:root {
    --primary-teal: #86C4D6;
    --primary-teal-dark: #6BA8B9;
    --primary-teal-light: #A8D8E6;
    --dark-navy: #143749;
    --dark-navy-light: #1E4D63;
    --white: #FFFFFF;
    --light-gray: #F3F3F3;
    --medium-gray: #9A9A9A;
    --success-green: #4CAF50;
    --warning-orange: #FF9800;
    --danger-red: #F44336;
}

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

body {
    font-family: 'Montserrat', sans-serif;
    background: var(--light-gray);
    color: var(--dark-navy);
    line-height: 1.6;
}

.header {
    background: var(--dark-navy);
    color: var(--white);
    padding: 10px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
}

.header-brand { display: flex; flex-direction: column; }

.logo { font-size: 18px; font-weight: 700; color: var(--primary-teal); }
.logo span { color: var(--white); }

.header-agent {
    font-size: 13px;
    color: var(--primary-teal-light);
    text-decoration: none;
    font-weight: 400;
    margin-top: 2px;
}
.header-agent:hover { color: var(--white); text-decoration: underline; }

.header-contact { font-size: 12px; color: var(--primary-teal-light); }

.header-link {
    color: var(--primary-teal-light);
    text-decoration: none;
}
.header-link:hover { color: var(--white); text-decoration: underline; }

.container { max-width: 1400px; margin: 0 auto; padding: 40px 20px; }

.page-title { text-align: center; margin-bottom: 40px; }
.page-title h1 { font-size: 28px; color: var(--dark-navy); margin-bottom: 10px; }
.page-title .disclaimer { color: var(--medium-gray); font-size: 13px; max-width: 700px; margin: 0 auto; font-style: italic; }

/* Section Tabs */
.section-tabs {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 30px;
    flex-wrap: wrap;
    align-items: center;
}

.tab-group {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.tab-group-label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--medium-gray);
}

.tab-group-tabs {
    display: flex;
    gap: 10px;
}

.tab-divider {
    width: 1px;
    height: 50px;
    background: #D0D0D0;
    margin: 0 5px;
    align-self: flex-end;
}

.section-tab {
    padding: 12px 24px;
    background: var(--white);
    border: 2px solid #E0E0E0;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    gap: 8px;
}

.section-tab:hover { border-color: var(--primary-teal); }
.section-tab.active {
    background: var(--primary-teal);
    border-color: var(--primary-teal);
    color: var(--white);
}

.section-tab .step-num {
    width: 24px;
    height: 24px;
    background: rgba(0,0,0,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 12px;
}

.section-tab.active .step-num { background: rgba(255,255,255,0.3); }

/* Form Sections */
.form-section { display: none; }
.form-section.active { display: block; animation: fadeIn 0.3s ease; }

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

/* Calculator Layout */
.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
}

.calculator-wrapper.full-width { grid-template-columns: 1fr; }

@media (max-width: 1024px) {
    .calculator-wrapper { grid-template-columns: 1fr; }
}

/* Cards */
.card {
    background: var(--white);
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    overflow: hidden;
}

.card-header {
    padding: 20px 25px;
    display: flex;
    align-items: center;
    gap: 12px;
}

.card-header.rent {
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-dark) 100%);
    color: var(--white);
}

.card-header.mortgage {
    background: linear-gradient(135deg, var(--dark-navy) 0%, var(--dark-navy-light) 100%);
    color: var(--white);
}

.card-header.assumption {
    background: linear-gradient(135deg, #7B1FA2 0%, #4A148C 100%);
    color: var(--white);
}

.card-header.deal {
    background: linear-gradient(135deg, #5C6BC0 0%, #3949AB 100%);
    color: var(--white);
}

.card-header.budget {
    background: linear-gradient(135deg, #6B8E23 0%, #556B2F 100%);
    color: var(--white);
}

.card-header h2 { font-size: 20px; font-weight: 600; }

.card-icon {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.2);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
}

.card-body { padding: 25px; }

/* Sub-section headers */
.sub-section {
    margin-bottom: 25px;
    padding-bottom: 20px;
    border-bottom: 1px solid #EFEFEF;
}

.sub-section:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

.sub-section-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--dark-navy);
    margin-bottom: 15px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.sub-section-title::before {
    content: '';
    width: 4px;
    height: 16px;
    background: var(--primary-teal);
    border-radius: 2px;
}

/* Form Elements */
.form-group { margin-bottom: 18px; }

.form-group label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 500;
    color: var(--dark-navy);
    margin-bottom: 8px;
}

.tooltip {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    background: var(--primary-teal);
    color: var(--white);
    border-radius: 50%;
    font-size: 11px;
    cursor: help;
    position: relative;
}

.tooltip:hover::after {
    content: attr(data-tip);
    position: absolute;
    bottom: 100%;
    left: 50%;
    transform: translateX(-50%);
    background: var(--dark-navy);
    color: var(--white);
    padding: 10px 14px;
    border-radius: 8px;
    font-size: 12px;
    font-weight: 400;
    z-index: 100;
    margin-bottom: 8px;
    max-width: 250px;
    white-space: normal;
    text-align: left;
    line-height: 1.4;
}

.input-wrapper { position: relative; }

.input-prefix, .input-suffix {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    color: var(--medium-gray);
    font-size: 14px;
    font-weight: 500;
}

.input-prefix { left: 14px; }
.input-suffix { right: 14px; }

input[type="number"] {
    width: 100%;
    padding: 14px 40px 14px 30px;
    border: 2px solid #E0E0E0;
    border-radius: 8px;
    font-size: 16px;
    font-family: 'Montserrat', sans-serif;
    transition: all 0.3s ease;
}

input[type="number"]:focus {
    outline: none;
    border-color: var(--primary-teal);
    box-shadow: 0 0 0 3px rgba(134, 196, 214, 0.2);
}

input[type="number"].percent-input { padding-left: 14px; padding-right: 40px; }

select {
    width: 100%;
    padding: 14px;
    border: 2px solid #E0E0E0;
    border-radius: 8px;
    font-size: 16px;
    font-family: 'Montserrat', sans-serif;
    background: var(--white);
    cursor: pointer;
    transition: all 0.3s ease;
}

select:focus {
    outline: none;
    border-color: var(--primary-teal);
    box-shadow: 0 0 0 3px rgba(134, 196, 214, 0.2);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
}

.form-row-3 { grid-template-columns: 1fr 1fr 1fr; }

@media (max-width: 600px) {
    .form-row, .form-row-3 { grid-template-columns: 1fr; }
}

/* Buttons */
.btn-row {
    display: flex;
    gap: 15px;
    margin-top: 25px;
}

.btn {
    padding: 10px 22px;
    border: none;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    cursor: pointer;
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-dark) 100%);
    color: var(--white);
    flex: 1;
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(134, 196, 214, 0.4);
}

.btn-secondary {
    background: var(--light-gray);
    color: var(--dark-navy);
}

.btn-secondary:hover { background: #E5E5E5; }

.calculate-btn {
    width: 100%;
    padding: 14px 24px;
    background: linear-gradient(135deg, var(--dark-navy) 0%, var(--dark-navy-light) 100%);
    color: var(--white);
    border: none;
    border-radius: 8px;
    font-size: 15px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    cursor: pointer;
    transition: all 0.3s ease;
    margin-top: 30px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.calculate-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(20, 55, 73, 0.4);
}

/* Results Section */
.results-section { margin-top: 40px; display: none; }
.results-section.active { display: block; animation: fadeIn 0.5s ease; }

.results-header { text-align: center; margin-bottom: 30px; }
.results-header h2 { font-size: 28px; color: var(--dark-navy); }

/* Budget Summary Card */
.budget-summary {
    background: var(--white);
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    padding: 30px;
    margin-bottom: 30px;
}

.budget-summary h3 {
    font-size: 18px;
    color: var(--dark-navy);
    margin-bottom: 25px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.budget-comparison-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 30px;
    align-items: start;
}

@media (max-width: 900px) {
    .budget-comparison-grid { grid-template-columns: 1fr; gap: 20px; }
    .budget-arrow { transform: rotate(90deg); }
}

.budget-scenario {
    padding: 25px;
    border-radius: 12px;
    background: var(--light-gray);
}

.budget-scenario.rent { border-left: 4px solid var(--primary-teal); }
.budget-scenario.mortgage { border-left: 4px solid var(--dark-navy); }

.budget-scenario h4 {
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--medium-gray);
    margin-bottom: 15px;
}

.cash-flow-amount {
    font-size: 32px;
    font-weight: 700;
    margin-bottom: 5px;
}

.cash-flow-amount.positive { color: var(--success-green); }
.cash-flow-amount.negative { color: var(--danger-red); }

.cash-flow-label { font-size: 14px; color: var(--medium-gray); margin-bottom: 20px; }

/* Budget Gauge */
.budget-gauge {
    margin-top: 20px;
}

.gauge-header {
    display: flex;
    justify-content: space-between;
    font-size: 13px;
    margin-bottom: 8px;
}

.gauge-label { color: var(--medium-gray); }
.gauge-value { font-weight: 600; color: var(--dark-navy); }

.gauge-bar {
    height: 12px;
    background: #E0E0E0;
    border-radius: 6px;
    overflow: hidden;
    position: relative;
}

.gauge-fill {
    height: 100%;
    border-radius: 6px;
    transition: width 0.5s ease;
}

.gauge-fill.healthy { background: linear-gradient(90deg, var(--success-green), #66BB6A); }
.gauge-fill.caution { background: linear-gradient(90deg, var(--warning-orange), #FFB74D); }
.gauge-fill.warning { background: linear-gradient(90deg, var(--danger-red), #EF5350); }

.gauge-markers {
    display: flex;
    justify-content: space-between;
    font-size: 10px;
    color: var(--medium-gray);
    margin-top: 4px;
}

.gauge-marker-28 {
    position: absolute;
    left: 28%;
    top: 0;
    height: 100%;
    width: 2px;
    background: rgba(0,0,0,0.3);
}

/* Budget Arrow */
.budget-arrow {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.arrow-icon {
    font-size: 32px;
    color: var(--dark-navy);
}

.impact-badge {
    padding: 10px 20px;
    border-radius: 25px;
    font-size: 14px;
    font-weight: 600;
    text-align: center;
    margin-top: 10px;
}

.impact-badge.deficit {
    background: rgba(244, 67, 54, 0.1);
    color: var(--danger-red);
}

.impact-badge.surplus {
    background: rgba(76, 175, 80, 0.1);
    color: var(--success-green);
}

/* Expense Breakdown */
.expense-breakdown {
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px dashed #DDD;
}

.expense-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 13px;
}

.expense-row .label { color: var(--medium-gray); }
.expense-row .value { font-weight: 500; color: var(--dark-navy); }

/* Monthly Comparison */
.monthly-comparison {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 20px;
    align-items: stretch;
    margin-bottom: 40px;
}

@media (max-width: 900px) {
    .monthly-comparison { grid-template-columns: 1fr; }
}

.monthly-card {
    background: var(--white);
    border-radius: 12px;
    padding: 25px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.monthly-card.rent-result { border-top: 4px solid var(--primary-teal); }
.monthly-card.mortgage-result { border-top: 4px solid var(--dark-navy); }

.monthly-card h3 {
    font-size: 16px;
    color: var(--medium-gray);
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.monthly-total {
    font-size: 36px;
    font-weight: 700;
    color: var(--dark-navy);
    margin-bottom: 20px;
}

.breakdown-list { list-style: none; }

.breakdown-list li {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid #EFEFEF;
    font-size: 14px;
}

.breakdown-list li:last-child { border-bottom: none; }
.breakdown-list .label { color: var(--medium-gray); }
.breakdown-list .value { font-weight: 600; color: var(--dark-navy); }

.vs-divider { display: flex; align-items: center; justify-content: center; }

.vs-circle {
    width: 60px;
    height: 60px;
    background: var(--dark-navy);
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    font-weight: 700;
}

/* Comparison Table */
.comparison-table-wrapper {
    background: var(--white);
    border-radius: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    overflow: hidden;
    margin-bottom: 40px;
}

.comparison-table-header {
    background: var(--dark-navy);
    color: var(--white);
    padding: 20px 25px;
}

.comparison-table-header h3 { font-size: 18px; }

.comparison-table { width: 100%; border-collapse: collapse; }

.comparison-table th, .comparison-table td { padding: 15px 20px; text-align: right; }
.comparison-table th:first-child, .comparison-table td:first-child { text-align: left; }

.comparison-table th {
    background: var(--light-gray);
    font-weight: 600;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--dark-navy);
}

.comparison-table td { border-bottom: 1px solid #EFEFEF; font-size: 14px; }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: rgba(134, 196, 214, 0.05); }

.badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
}

.badge.buy { background: rgba(76, 175, 80, 0.15); color: #2E7D32; }
.badge.rent { background: rgba(33, 150, 243, 0.15); color: #1565C0; }

/* Break-even Card */
.breakeven-card {
    background: linear-gradient(135deg, var(--dark-navy) 0%, var(--dark-navy-light) 100%);
    color: var(--white);
    border-radius: 12px;
    padding: 30px;
    text-align: center;
    margin-bottom: 40px;
}

.breakeven-card h3 { font-size: 16px; font-weight: 400; margin-bottom: 10px; opacity: 0.9; }
.breakeven-card .years { font-size: 48px; font-weight: 700; color: var(--primary-teal); }
.breakeven-card .years span { font-size: 24px; font-weight: 400; }

.breakeven-card p {
    margin-top: 15px;
    font-size: 14px;
    opacity: 0.8;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

/* Loan Details */
.loan-details {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
    gap: 15px;
    background: var(--light-gray);
    padding: 20px;
    border-radius: 8px;
    margin-top: 20px;
}

.loan-detail-item { text-align: center; }
.loan-detail-item .value { font-size: 20px; font-weight: 700; color: var(--dark-navy); }
.loan-detail-item .label {
    font-size: 12px;
    color: var(--medium-gray);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.pmi-warning {
    background: rgba(255, 152, 0, 0.1);
    border: 1px solid var(--warning-orange);
    color: #E65100;
    padding: 12px 16px;
    border-radius: 8px;
    font-size: 13px;
    margin-top: 15px;
    display: flex;
    align-items: center;
    gap: 10px;
}

/* Transparency Note */
.transparency-note {
    background: var(--white);
    border-left: 4px solid var(--primary-teal);
    padding: 20px 25px;
    border-radius: 0 12px 12px 0;
    margin-bottom: 40px;
}

.transparency-note h4 {
    color: var(--dark-navy);
    font-size: 16px;
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.transparency-note ul { margin-left: 25px; color: var(--medium-gray); font-size: 14px; }
.transparency-note li { margin-bottom: 5px; }

/* Footer */
.footer {
    background: var(--dark-navy);
    color: var(--white);
    padding: 40px 20px;
    text-align: center;
    margin-top: 60px;
}

.footer-logo { font-size: 20px; font-weight: 700; color: var(--primary-teal); margin-bottom: 4px; }
.footer-logo span { color: var(--white); }

.footer-agent {
    display: block;
    font-size: 14px;
    color: var(--primary-teal-light);
    text-decoration: none;
    margin-bottom: 10px;
}
.footer-agent:hover { color: var(--white); text-decoration: underline; }

.footer-contact { color: var(--primary-teal-light); font-size: 14px; margin-bottom: 20px; }

.footer-link {
    color: var(--primary-teal-light);
    text-decoration: none;
}
.footer-link:hover { color: var(--white); text-decoration: underline; }
.footer-disclaimer { font-size: 12px; color: var(--medium-gray); max-width: 600px; margin: 0 auto; }

/* Loading & Spinner */
.loading { pointer-events: none; opacity: 0.7; }

.spinner {
    display: inline-block;
    width: 20px;
    height: 20px;
    border: 2px solid rgba(255,255,255,0.3);
    border-radius: 50%;
    border-top-color: var(--white);
    animation: spin 0.8s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

/* Checkbox */
.checkbox-group { margin-top: 5px; }

.checkbox-label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--primary-teal);
    cursor: pointer;
}

/* Deal Analyzer Results */
.deal-analyzer-results .monthly-card {
    animation: fadeIn 0.3s ease;
}

.monthly-card.deal-result {
    border-top: 4px solid #5C6BC0;
}

.deal-summary {
    margin-bottom: 20px;
    padding-bottom: 15px;
    border-bottom: 2px solid #EFEFEF;
}

.deal-summary-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 15px;
    font-weight: 600;
}

.deal-summary-row.income .value { color: var(--success-green); }
.deal-summary-row.expense .value { color: var(--danger-red); }

.cash-flow-positive { color: var(--success-green) !important; }
.cash-flow-negative { color: var(--danger-red) !important; }

/* Loan Assumption Results */
.loan-assumption-results .monthly-card {
    animation: fadeIn 0.3s ease;
}

.monthly-card.assumption-result {
    border-top: 4px solid #7B1FA2;
}

.assumption-comparison {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 20px;
    align-items: stretch;
}

@media (max-width: 900px) {
    .assumption-comparison { grid-template-columns: 1fr; }
}

/* Mortgage Calculator Results (standalone tab) */
.mortgage-calc-results .monthly-card {
    animation: fadeIn 0.3s ease;
}

@media (max-width: 600px) {
    .header { flex-direction: column; gap: 6px; text-align: center; padding: 8px 15px; }
    .header-agent { font-size: 11px; }
    .header-contact { font-size: 11px; }

    .container { padding: 20px 12px; }

    .page-title { margin-bottom: 20px; }
    .page-title h1 { font-size: 20px; margin-bottom: 6px; }
    .page-title .disclaimer { font-size: 11px; }

    /* Tabs: stack groups vertically, shrink tabs */
    .section-tabs {
        flex-direction: column;
        align-items: center;
        gap: 10px;
        margin-bottom: 20px;
    }

    .tab-group-label { display: none; }

    .tab-divider {
        width: 80%;
        height: 1px;
        margin: 0;
    }

    .tab-group-tabs {
        gap: 6px;
        flex-wrap: wrap;
        justify-content: center;
    }

    .section-tab {
        padding: 8px 12px;
        font-size: 11px;
        gap: 5px;
    }

    .section-tab .step-num {
        width: 18px;
        height: 18px;
        font-size: 10px;
    }

    /* Cards */
    .card-header { padding: 14px 16px; }
    .card-header h2 { font-size: 16px; }
    .card-body { padding: 16px; }
    .card-icon { width: 32px; height: 32px; font-size: 16px; }

    .sub-section-title { font-size: 12px; margin-bottom: 10px; }

    .monthly-total { font-size: 28px; }
    .comparison-table { font-size: 12px; }
    .comparison-table th, .comparison-table td { padding: 10px 8px; }
    .cash-flow-amount { font-size: 26px; }

    .assumption-comparison { grid-template-columns: 1fr; }
}