/*!
 * EasifyMe Mortgage Calculator
 * CSS Prefix: mc-
 */

/* ============================================================
   LAYOUT & TABS
   ============================================================ */
.mc-tool {
    font-family: inherit;
}

.mc-tabs {
    display: flex;
    gap: 4px;
    flex-wrap: wrap;
    margin-bottom: var(--space-5);
    background: var(--color-bg-secondary);
    padding: 6px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
}

.mc-tab-btn {
    flex: 1;
    min-width: 100px;
    padding: 8px 12px;
    border: none;
    background: transparent;
    color: var(--color-text-muted);
    font-size: var(--text-sm);
    font-weight: 500;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition-base);
    white-space: nowrap;
    display: flex;
    align-items: center;
    gap: 6px;
    justify-content: center;
}

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

.mc-tab-btn.active {
    background: var(--color-accent);
    color: #fff;
    box-shadow: 0 2px 8px rgba(59,130,246,0.3);
}

.mc-tab-panel { display: none; }
.mc-tab-panel.active { display: block; }

/* ============================================================
   CURRENCY / COUNTRY SELECTOR
   ============================================================ */
.mc-selectors {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: var(--space-4);
    font-size: var(--text-sm);
    color: var(--color-text-muted);
    flex-wrap: wrap;
}

.mc-selectors label {
    display: flex;
    align-items: center;
    gap: 6px;
}

.mc-selectors select {
    padding: 6px 10px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    background: var(--color-surface);
    color: var(--color-text);
    font-size: var(--text-sm);
    cursor: pointer;
}

/* ============================================================
   INPUT FIELDS
   ============================================================ */
.mc-inputs-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-5);
}

.mc-inputs-grid-3 {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-5);
}

.mc-field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.mc-field.full-width {
    grid-column: 1 / -1;
}

.mc-field label {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text);
    display: flex;
    align-items: center;
    gap: 6px;
}

.mc-field label i {
    color: var(--color-accent);
    font-size: 13px;
}

.mc-input-row {
    display: flex;
    gap: 8px;
    align-items: center;
}

.mc-input-wrap {
    position: relative;
    flex: 1;
}

.mc-currency-sym {
    position: absolute;
    left: 10px;
    top: 50%;
    transform: translateY(-50%);
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text-muted);
    pointer-events: none;
    z-index: 1;
}

.mc-input {
    width: 100%;
    padding: 10px 12px 10px 28px;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    font-weight: 500;
    color: var(--color-text);
    background: var(--color-surface);
    transition: var(--transition-base);
}

.mc-input:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(59,130,246,0.15);
}

.mc-input::-webkit-inner-spin-button,
.mc-input::-webkit-outer-spin-button {
    -webkit-appearance: none;
    margin: 0;
}

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

.mc-input.no-prefix {
    padding-left: 12px;
}

.mc-pct-sym {
    position: absolute;
    right: 10px;
    top: 50%;
    transform: translateY(-50%);
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text-muted);
    pointer-events: none;
}

.mc-slider {
    width: 100%;
    height: 6px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--color-border);
    border-radius: 3px;
    outline: none;
    margin-top: 4px;
}

.mc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--color-accent);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(59,130,246,0.3);
}

.mc-slider::-moz-range-thumb {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--color-accent);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 6px rgba(59,130,246,0.3);
}

/* Toggle Groups */
.mc-toggle-group {
    display: flex;
    border-radius: var(--radius-full);
    overflow: hidden;
    border: 1.5px solid var(--color-border);
    background: var(--color-bg-secondary);
}

.mc-toggle-btn {
    padding: 6px 14px;
    border: none;
    background: transparent;
    font-size: var(--text-sm);
    font-weight: 500;
    color: var(--color-text-muted);
    cursor: pointer;
    transition: var(--transition-base);
    white-space: nowrap;
}

.mc-toggle-btn.active {
    background: var(--color-accent);
    color: #fff;
}

.mc-toggle-btn:hover:not(.active) {
    background: var(--color-surface);
    color: var(--color-text);
}

/* Radio Group */
.mc-radio-group {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}

.mc-radio-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: var(--text-sm);
    cursor: pointer;
    color: var(--color-text);
}

.mc-radio-label input[type="radio"] {
    accent-color: var(--color-accent);
}

/* Select dropdown */
.mc-select {
    width: 100%;
    padding: 10px 12px;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    font-weight: 500;
    color: var(--color-text);
    background: var(--color-surface);
    cursor: pointer;
}

.mc-select:focus {
    outline: none;
    border-color: var(--color-accent);
    box-shadow: 0 0 0 3px rgba(59,130,246,0.15);
}

/* Inline value display */
.mc-inline-val {
    font-size: var(--text-sm);
    color: var(--color-text-muted);
    margin-top: 2px;
}

.mc-inline-val strong {
    color: var(--color-text);
}

/* PMI Warning */
.mc-pmi-warning {
    display: none;
    align-items: center;
    gap: 6px;
    padding: 8px 12px;
    background: rgba(245,158,11,0.08);
    border: 1px solid rgba(245,158,11,0.2);
    border-radius: var(--radius-md);
    font-size: var(--text-sm);
    color: var(--color-warning);
    margin-top: 4px;
}

.mc-pmi-warning.show {
    display: flex;
}

/* Section header */
.mc-section-title {
    font-size: var(--text-sm);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin: var(--space-4) 0 var(--space-3);
    padding-bottom: 6px;
    border-bottom: 1px solid var(--color-border);
}

.mc-section-title i {
    margin-right: 6px;
    color: var(--color-accent);
}

/* ============================================================
   HERO RESULT
   ============================================================ */
.mc-results {
    text-align: center;
    padding: var(--space-5);
    background: linear-gradient(135deg, rgba(59,130,246,0.06), rgba(168,85,247,0.06));
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-5);
    border: 1px solid var(--color-border);
}

.mc-results-label {
    font-size: var(--text-sm);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    font-weight: 600;
    margin-bottom: 4px;
}

.mc-results-amount {
    font-size: clamp(28px, 5vw, 42px);
    font-weight: 800;
    color: var(--color-text);
    line-height: 1.2;
}

.mc-results-sub {
    font-size: var(--text-sm);
    color: var(--color-text-muted);
    margin-top: 6px;
}

/* ============================================================
   BREAKDOWN CARDS
   ============================================================ */
.mc-breakdown-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-3);
    margin-bottom: var(--space-5);
}

.mc-card {
    padding: var(--space-3);
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    text-align: center;
}

.mc-card.highlight {
    border-color: var(--color-accent);
    background: rgba(59,130,246,0.04);
}

.mc-card-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    font-weight: 600;
    margin-bottom: 4px;
}

.mc-card-value {
    font-size: var(--text-lg);
    font-weight: 700;
    color: var(--color-text);
}

.mc-card-pct {
    font-size: 11px;
    color: var(--color-text-muted);
    margin-top: 2px;
}

/* Wide breakdown (5 items) */
.mc-breakdown-cards-5 {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: var(--space-3);
    margin-bottom: var(--space-5);
}

/* ============================================================
   CHARTS
   ============================================================ */
.mc-chart-box {
    margin-bottom: var(--space-5);
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.mc-chart-header {
    padding: var(--space-3) var(--space-4);
    border-bottom: 1px solid var(--color-border);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.mc-chart-title {
    font-size: var(--text-sm);
    font-weight: 700;
    color: var(--color-text);
}

.mc-chart-container {
    width: 100%;
    overflow: hidden;
    padding: var(--space-3);
}

.mc-chart-tooltip {
    position: fixed;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 8px 12px;
    font-size: 12px;
    color: var(--color-text);
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
    pointer-events: none;
    z-index: 1000;
    display: none;
    max-width: 220px;
}

.mc-chart-tooltip.show { display: block; }

.mc-charts-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-5);
}

.mc-donut-wrap {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    padding: var(--space-3);
}

.mc-donut-svg {
    flex-shrink: 0;
}

.mc-donut-legend {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.mc-legend-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: var(--text-sm);
    color: var(--color-text);
}

.mc-legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 2px;
    flex-shrink: 0;
}

.mc-legend-amount {
    font-weight: 600;
    margin-left: auto;
}

/* ============================================================
   AMORTIZATION TABLE
   ============================================================ */
.mc-amort-controls {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: var(--space-3);
}

.mc-amort-toggle {
    display: flex;
    border-radius: var(--radius-full);
    overflow: hidden;
    border: 1px solid var(--color-border);
}

.mc-amort-toggle button {
    padding: 6px 14px;
    border: none;
    background: transparent;
    font-size: var(--text-sm);
    cursor: pointer;
    color: var(--color-text-muted);
    transition: var(--transition-base);
}

.mc-amort-toggle button.active {
    background: var(--color-accent);
    color: #fff;
}

.mc-export-btns {
    display: flex;
    gap: 6px;
}

.mc-export-btn {
    padding: 6px 12px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    background: var(--color-surface);
    font-size: 12px;
    font-weight: 500;
    cursor: pointer;
    color: var(--color-text);
    display: flex;
    align-items: center;
    gap: 4px;
    transition: var(--transition-base);
}

.mc-export-btn:hover {
    background: var(--color-bg-secondary);
}

.mc-table-wrap {
    overflow-x: auto;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    max-height: 500px;
    overflow-y: auto;
}

.mc-table {
    width: 100%;
    border-collapse: collapse;
    font-size: var(--text-sm);
}

.mc-table thead {
    position: sticky;
    top: 0;
    z-index: 1;
}

.mc-table thead th {
    padding: 10px 12px;
    text-align: right;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    background: var(--color-bg-secondary);
    border-bottom: 1px solid var(--color-border);
    white-space: nowrap;
}

.mc-table thead th:first-child { text-align: left; }

.mc-table tbody tr {
    transition: background var(--transition-base);
}

.mc-table tbody tr:hover {
    background: rgba(59,130,246,0.04);
}

.mc-table tbody tr:nth-child(even) {
    background: var(--color-bg-secondary);
}

.mc-table tbody tr:nth-child(even):hover {
    background: rgba(59,130,246,0.06);
}

.mc-table td {
    padding: 8px 12px;
    text-align: right;
    border-bottom: 1px solid var(--color-border);
    color: var(--color-text);
    white-space: nowrap;
}

.mc-table td:first-child {
    text-align: left;
    font-weight: 600;
}

.mc-table td.td-principal { color: var(--color-accent); font-weight: 600; }
.mc-table td.td-interest { color: var(--color-warning); }
.mc-table td.td-pmi { color: #a855f7; }
.mc-table td.td-balance { font-weight: 600; }

.mc-table .pmi-dropoff {
    background: rgba(16,185,129,0.06);
}

.mc-table .pmi-dropoff td:last-child::after {
    content: ' PMI removed';
    color: var(--color-success);
    font-weight: 600;
    font-size: 10px;
}

.mc-show-all-btn {
    display: block;
    width: 100%;
    padding: 10px;
    margin-top: var(--space-3);
    border: 1px dashed var(--color-border);
    border-radius: var(--radius-md);
    background: transparent;
    color: var(--color-accent);
    font-size: var(--text-sm);
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition-base);
}

.mc-show-all-btn:hover {
    background: rgba(59,130,246,0.04);
}

/* ============================================================
   COMPARISON (15yr vs 30yr)
   ============================================================ */
.mc-compare-grid {
    display: grid;
    grid-template-columns: 160px 1fr 1fr 1fr;
    gap: 0;
    margin-bottom: var(--space-5);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.mc-compare-header {
    padding: 12px;
    font-weight: 700;
    font-size: var(--text-sm);
    text-align: center;
    background: var(--color-bg-secondary);
    border-bottom: 1px solid var(--color-border);
}

.mc-compare-header:first-child { text-align: left; }

.mc-compare-header.best {
    background: rgba(16,185,129,0.08);
    color: var(--color-success);
}

.mc-compare-label {
    padding: 10px 12px;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text-muted);
    border-bottom: 1px solid var(--color-border);
    background: var(--color-bg-secondary);
}

.mc-compare-cell {
    padding: 10px 12px;
    font-size: var(--text-sm);
    text-align: center;
    border-bottom: 1px solid var(--color-border);
    color: var(--color-text);
    font-weight: 500;
}

.mc-compare-cell.best {
    background: rgba(16,185,129,0.04);
    color: var(--color-success);
    font-weight: 700;
}

.mc-compare-cell.savings {
    color: var(--color-success);
    font-weight: 700;
}

.mc-savings-banner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: var(--space-3) var(--space-4);
    background: rgba(16,185,129,0.08);
    border: 1px solid rgba(16,185,129,0.2);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-5);
}

.mc-savings-banner strong {
    color: var(--color-success);
    font-size: var(--text-lg);
}

/* ============================================================
   RENT VS BUY
   ============================================================ */
.mc-rvb-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-5);
    margin-bottom: var(--space-5);
}

.mc-rvb-panel {
    padding: var(--space-4);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    background: var(--color-surface);
}

.mc-rvb-panel-title {
    font-size: var(--text-sm);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin-bottom: var(--space-3);
    display: flex;
    align-items: center;
    gap: 6px;
}

.mc-rvb-result-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-4);
}

.mc-rvb-result-box {
    padding: var(--space-4);
    border-radius: var(--radius-lg);
    text-align: center;
    border: 1px solid var(--color-border);
}

.mc-rvb-result-box.rent { background: rgba(239,68,68,0.04); border-color: rgba(239,68,68,0.2); }
.mc-rvb-result-box.buy { background: rgba(16,185,129,0.04); border-color: rgba(16,185,129,0.2); }

.mc-rvb-box-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    font-weight: 600;
    margin-bottom: 4px;
}

.mc-rvb-box-amount {
    font-size: clamp(20px, 3vw, 28px);
    font-weight: 800;
    color: var(--color-text);
}

.mc-rvb-winner {
    text-align: center;
    padding: var(--space-4);
    background: rgba(16,185,129,0.08);
    border: 1px solid rgba(16,185,129,0.2);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-4);
}

.mc-rvb-winner-text {
    font-size: var(--text-lg);
    font-weight: 700;
    color: var(--color-success);
}

.mc-rvb-winner-sub {
    font-size: var(--text-sm);
    color: var(--color-text-muted);
    margin-top: 4px;
}

.mc-rvb-slider-row {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: var(--space-3);
}

.mc-rvb-slider-label {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text);
    min-width: 120px;
}

.mc-rvb-slider-val {
    font-size: var(--text-sm);
    font-weight: 700;
    color: var(--color-accent);
    min-width: 50px;
    text-align: right;
}

/* ============================================================
   EQUITY TIMELINE
   ============================================================ */
.mc-equity-bars {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: var(--space-5);
}

.mc-equity-row {
    display: flex;
    align-items: center;
    gap: 12px;
}

.mc-equity-year {
    min-width: 60px;
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text-muted);
    text-align: right;
}

.mc-equity-bar-wrap {
    flex: 1;
    height: 28px;
    background: var(--color-bg-secondary);
    border-radius: var(--radius-md);
    overflow: hidden;
    position: relative;
}

.mc-equity-bar {
    height: 100%;
    border-radius: var(--radius-md);
    background: linear-gradient(90deg, var(--color-accent), #a855f7);
    transition: width 1s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    align-items: center;
    justify-content: flex-end;
    padding-right: 8px;
}

.mc-equity-bar-text {
    font-size: 11px;
    font-weight: 700;
    color: #fff;
    white-space: nowrap;
}

.mc-equity-amount {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-text);
    min-width: 100px;
}

.mc-milestones {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: var(--space-5);
    padding: var(--space-4);
    background: var(--color-bg-secondary);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
}

.mc-milestone-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 6px 0;
    border-bottom: 1px solid var(--color-border);
    font-size: var(--text-sm);
}

.mc-milestone-item:last-child { border-bottom: none; }

.mc-milestone-icon {
    width: 28px;
    text-align: center;
    font-size: 18px;
}

/* ============================================================
   EXTRA PAYMENTS
   ============================================================ */
.mc-extra-options {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    margin-bottom: var(--space-4);
}

.mc-extra-row {
    display: flex;
    align-items: center;
    gap: 12px;
}

.mc-extra-row label {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: var(--text-sm);
    font-weight: 500;
    color: var(--color-text);
    min-width: 200px;
    cursor: pointer;
}

.mc-extra-row input[type="checkbox"] {
    accent-color: var(--color-accent);
}

.mc-extra-input {
    width: 140px;
    padding: 8px 10px 8px 26px;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: var(--text-sm);
    color: var(--color-text);
    background: var(--color-surface);
}

.mc-extra-input:focus {
    outline: none;
    border-color: var(--color-accent);
}

.mc-impact-compare {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-4);
    margin-bottom: var(--space-5);
}

.mc-impact-box {
    padding: var(--space-4);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    background: var(--color-surface);
}

.mc-impact-box-title {
    font-size: var(--text-sm);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin-bottom: var(--space-3);
}

.mc-impact-row {
    display: flex;
    justify-content: space-between;
    padding: 6px 0;
    border-bottom: 1px solid var(--color-border);
    font-size: var(--text-sm);
}

.mc-impact-row:last-child { border-bottom: none; }

.mc-impact-row span:last-child { font-weight: 600; color: var(--color-text); }

.mc-extra-savings {
    text-align: center;
    padding: var(--space-4);
    background: rgba(16,185,129,0.08);
    border: 1px solid rgba(16,185,129,0.2);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-5);
}

.mc-extra-savings-amount {
    font-size: clamp(20px, 4vw, 32px);
    font-weight: 800;
    color: var(--color-success);
}

.mc-extra-savings-sub {
    font-size: var(--text-sm);
    color: var(--color-text-muted);
    margin-top: 4px;
}

/* ============================================================
   CLOSING COSTS
   ============================================================ */
.mc-closing-table {
    width: 100%;
    margin-bottom: var(--space-5);
    border-collapse: collapse;
}

.mc-closing-table tr {
    border-bottom: 1px solid var(--color-border);
}

.mc-closing-table td {
    padding: 10px 12px;
    font-size: var(--text-sm);
    color: var(--color-text);
}

.mc-closing-table td:first-child {
    font-weight: 500;
}

.mc-closing-table td:last-child {
    text-align: right;
    font-weight: 600;
}

.mc-closing-table tr.total {
    border-top: 2px solid var(--color-text);
    font-weight: 700;
}

.mc-closing-table tr.total td {
    font-weight: 700;
    font-size: var(--text-base);
    padding-top: 14px;
}

.mc-closing-summary {
    padding: var(--space-4);
    background: var(--color-bg-secondary);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
}

.mc-closing-summary-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: var(--text-sm);
    border-bottom: 1px solid var(--color-border);
}

.mc-closing-summary-row:last-child { border-bottom: none; }

.mc-closing-summary-row.total {
    font-weight: 700;
    font-size: var(--text-base);
    padding-top: 12px;
    border-top: 2px solid var(--color-border);
}

/* ============================================================
   REFINANCE
   ============================================================ */
.mc-refi-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-5);
    margin-bottom: var(--space-5);
}

.mc-refi-panel {
    padding: var(--space-4);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.mc-refi-panel-title {
    font-size: var(--text-sm);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin-bottom: var(--space-3);
}

.mc-refi-result {
    text-align: center;
    padding: var(--space-4);
    margin-bottom: var(--space-4);
}

.mc-refi-breakeven {
    font-size: clamp(24px, 4vw, 36px);
    font-weight: 800;
    color: var(--color-accent);
}

.mc-refi-verdict {
    padding: var(--space-3) var(--space-4);
    border-radius: var(--radius-lg);
    font-size: var(--text-sm);
    font-weight: 600;
    text-align: center;
    margin-top: var(--space-3);
}

.mc-refi-verdict.good {
    background: rgba(16,185,129,0.08);
    color: var(--color-success);
    border: 1px solid rgba(16,185,129,0.2);
}

.mc-refi-verdict.bad {
    background: rgba(239,68,68,0.08);
    color: var(--color-error);
    border: 1px solid rgba(239,68,68,0.2);
}

/* ============================================================
   AFFORDABILITY / DTI
   ============================================================ */
.mc-dti-section {
    margin-bottom: var(--space-5);
}

.mc-dti-bar-wrap {
    height: 32px;
    background: var(--color-bg-secondary);
    border-radius: var(--radius-lg);
    overflow: hidden;
    margin-bottom: 8px;
    position: relative;
}

.mc-dti-bar {
    height: 100%;
    border-radius: var(--radius-lg);
    transition: width 0.8s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    align-items: center;
    padding-left: 12px;
    font-size: var(--text-sm);
    font-weight: 700;
    color: #fff;
}

.mc-dti-bar.healthy { background: linear-gradient(90deg, #10b981, #34d399); }
.mc-dti-bar.moderate { background: linear-gradient(90deg, #f59e0b, #fbbf24); }
.mc-dti-bar.high { background: linear-gradient(90deg, #ef4444, #f87171); }

.mc-dti-labels {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--color-text-muted);
    margin-bottom: var(--space-3);
}

.mc-dti-marker {
    position: absolute;
    top: 0;
    height: 100%;
    width: 2px;
    background: var(--color-text);
    z-index: 1;
}

.mc-dti-marker::after {
    content: attr(data-label);
    position: absolute;
    bottom: -18px;
    left: 50%;
    transform: translateX(-50%);
    font-size: 10px;
    font-weight: 600;
    color: var(--color-text-muted);
    white-space: nowrap;
}

.mc-afford-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-3);
    margin-bottom: var(--space-5);
}

.mc-afford-card {
    padding: var(--space-3);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    text-align: center;
    background: var(--color-surface);
    transition: var(--transition-base);
}

.mc-afford-card.active {
    border-color: var(--color-accent);
    background: rgba(59,130,246,0.04);
    box-shadow: 0 2px 8px rgba(59,130,246,0.15);
}

.mc-afford-card-dp {
    font-size: 11px;
    text-transform: uppercase;
    font-weight: 600;
    color: var(--color-text-muted);
    margin-bottom: 4px;
}

.mc-afford-card-price {
    font-size: var(--text-base);
    font-weight: 700;
    color: var(--color-text);
    margin-bottom: 2px;
}

.mc-afford-card-payment {
    font-size: 12px;
    color: var(--color-accent);
    font-weight: 600;
}

.mc-afford-card-pmi {
    font-size: 11px;
    color: var(--color-success);
    margin-top: 2px;
}

.mc-advice-box {
    padding: var(--space-4);
    background: rgba(59,130,246,0.04);
    border: 1px solid rgba(59,130,246,0.15);
    border-radius: var(--radius-lg);
    font-size: var(--text-sm);
    color: var(--color-text);
    line-height: 1.6;
}

/* ============================================================
   SHARE CARD
   ============================================================ */
.mc-share-section {
    margin-top: var(--space-5);
    padding-top: var(--space-4);
    border-top: 1px solid var(--color-border);
}

.mc-share-controls {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: var(--space-3);
    flex-wrap: wrap;
}

.mc-share-btn {
    padding: 8px 16px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-full);
    background: var(--color-surface);
    font-size: var(--text-sm);
    cursor: pointer;
    color: var(--color-text);
    display: flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition-base);
}

.mc-share-btn:hover {
    background: var(--color-bg-secondary);
}

.mc-share-theme-btn {
    padding: 6px 12px;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-full);
    background: transparent;
    font-size: 12px;
    cursor: pointer;
    color: var(--color-text-muted);
    transition: var(--transition-base);
}

.mc-share-theme-btn.active {
    border-color: var(--color-accent);
    color: var(--color-accent);
    background: rgba(59,130,246,0.04);
}

/* Dark card */
.mc-sc-dark {
    background: linear-gradient(135deg, #1e293b, #0f172a);
    color: #e2e8f0;
    border-radius: var(--radius-lg);
    padding: var(--space-4);
    width: 340px;
    max-width: 100%;
}

.mc-sc-dark .mc-sc-header {
    font-size: 13px;
    color: #94a3b8;
    margin-bottom: var(--space-3);
    display: flex;
    align-items: center;
    gap: 6px;
}

.mc-sc-dark .mc-sc-amount {
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 4px;
}

.mc-sc-dark .mc-sc-sub {
    font-size: 12px;
    color: #94a3b8;
    margin-bottom: var(--space-3);
}

.mc-sc-dark .mc-sc-rows {
    border-top: 1px solid #334155;
    padding-top: var(--space-3);
}

.mc-sc-dark .mc-sc-row {
    display: flex;
    justify-content: space-between;
    padding: 4px 0;
    font-size: 12px;
    border-bottom: 1px solid #1e293b;
}

.mc-sc-dark .mc-sc-row span:first-child { color: #94a3b8; }
.mc-sc-dark .mc-sc-row span:last-child { font-weight: 600; }

.mc-sc-dark .mc-sc-footer {
    margin-top: var(--space-3);
    font-size: 10px;
    color: #64748b;
    text-align: center;
}

/* Light card */
.mc-sc-light {
    background: linear-gradient(135deg, #f8fafc, #f1f5f9);
    color: #0f172a;
    border: 1px solid #e2e8f0;
    border-radius: var(--radius-lg);
    padding: var(--space-4);
    width: 340px;
    max-width: 100%;
}

.mc-sc-light .mc-sc-header {
    font-size: 13px;
    color: #64748b;
    margin-bottom: var(--space-3);
    display: flex;
    align-items: center;
    gap: 6px;
}

.mc-sc-light .mc-sc-amount {
    font-size: 32px;
    font-weight: 800;
    color: #0f172a;
    margin-bottom: 4px;
}

.mc-sc-light .mc-sc-sub {
    font-size: 12px;
    color: #64748b;
    margin-bottom: var(--space-3);
}

.mc-sc-light .mc-sc-rows {
    border-top: 1px solid #e2e8f0;
    padding-top: var(--space-3);
}

.mc-sc-light .mc-sc-row {
    display: flex;
    justify-content: space-between;
    padding: 4px 0;
    font-size: 12px;
    border-bottom: 1px solid #f1f5f9;
}

.mc-sc-light .mc-sc-row span:first-child { color: #64748b; }
.mc-sc-light .mc-sc-row span:last-child { font-weight: 600; }

.mc-sc-light .mc-sc-footer {
    margin-top: var(--space-3);
    font-size: 10px;
    color: #94a3b8;
    text-align: center;
}

/* ============================================================
   TOAST
   ============================================================ */
.mc-toast {
    position: fixed;
    bottom: 24px;
    left: 50%;
    transform: translateX(-50%) translateY(20px);
    background: var(--color-text);
    color: var(--color-bg);
    padding: 10px 20px;
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 500;
    opacity: 0;
    transition: all 0.3s ease;
    z-index: 9999;
    pointer-events: none;
}

.mc-toast.show {
    opacity: 1;
    transform: translateX(-50%) translateY(0);
}

/* Disclaimer */
.mc-disclaimer {
    margin-top: var(--space-5);
    padding: var(--space-3) var(--space-4);
    background: var(--color-bg-secondary);
    border-radius: var(--radius-md);
    font-size: 12px;
    color: var(--color-text-muted);
    line-height: 1.6;
}

/* Animation */
.mc-num-anim {
    animation: mc-pulse 0.3s ease;
}

@keyframes mc-pulse {
    0% { transform: scale(1); }
    50% { transform: scale(1.04); }
    100% { transform: scale(1); }
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 992px) {
    .mc-compare-grid {
        grid-template-columns: 120px 1fr 1fr 1fr;
    }
    .mc-afford-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .mc-breakdown-cards-5 {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 768px) {
    .mc-tabs { gap: 3px; }
    .mc-tab-btn {
        min-width: auto;
        padding: 6px 10px;
        font-size: 12px;
    }
    .mc-tab-btn i { display: none; }

    .mc-inputs-grid,
    .mc-inputs-grid-3,
    .mc-rvb-grid,
    .mc-refi-grid,
    .mc-impact-compare,
    .mc-rvb-result-grid {
        grid-template-columns: 1fr;
    }

    .mc-charts-row {
        grid-template-columns: 1fr;
    }

    .mc-breakdown-cards,
    .mc-breakdown-cards-5 {
        grid-template-columns: 1fr;
    }

    .mc-compare-grid {
        grid-template-columns: 100px 1fr 1fr 1fr;
        font-size: 12px;
    }

    .mc-afford-grid {
        grid-template-columns: 1fr 1fr;
    }

    .mc-results-amount {
        font-size: 28px;
    }

    .mc-donut-wrap {
        flex-direction: column;
    }

    .mc-extra-row {
        flex-direction: column;
        align-items: flex-start;
        gap: 6px;
    }

    .mc-extra-input { width: 100%; }

    .mc-sc-dark, .mc-sc-light {
        width: 100%;
        max-width: 340px;
    }

    .mc-selectors {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }
}

@media (max-width: 480px) {
    .mc-compare-grid {
        grid-template-columns: 80px 1fr 1fr 1fr;
    }

    .mc-compare-label,
    .mc-compare-cell,
    .mc-compare-header {
        padding: 6px 4px;
        font-size: 11px;
    }
}