/* ==========================================================================
   Mortgage Calculator — Embeddable Widget Styles
   Neutral (transparent) background so it blends into any host page when iFramed.
   Design tokens mirror /member/css/free_services.css for visual consistency.
   ========================================================================== */

:root {
    --mc-primary: #336699;
    --mc-primary-dark: #264d73;
    --mc-primary-light: #4a8ac4;
    --mc-accent: #e8f0f8;
    --mc-card-bg: #ffffff;
    --mc-text: #2c3e50;
    --mc-text-muted: #6b7785;
    --mc-border: #e0e6ed;
    --mc-border-strong: #d0d8e2;
    --mc-success: #5cb85c;
    --mc-warning: #f0ad4e;
    --mc-radius: 12px;
    --mc-radius-sm: 8px;
    --mc-shadow: 0 2px 12px rgba(20, 40, 70, 0.08);
    --mc-shadow-hover: 0 4px 20px rgba(20, 40, 70, 0.12);
    --mc-transition: all 0.25s ease;

    /* Breakdown segment colors */
    --mc-seg-pi: #336699;
    --mc-seg-tax: #4a8ac4;
    --mc-seg-ins: #7eb3dc;
    --mc-seg-pmi: #f0ad4e;
    --mc-seg-hoa: #b39ddb;
}

/* ---------- Loading overlay (shown until first render completes) ---------- */
.mc-loader {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 99999;
    transition: opacity 0.4s ease, visibility 0.4s ease;
    font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
}
.mc-loader.is-hidden {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}
.mc-loader-inner {
    text-align: center;
    padding: 20px;
}
.mc-loader-logo {
    display: block;
    margin: 0 auto 16px;
    width: 84px;
    height: auto;
    animation: mcLoaderPulse 1.6s ease-in-out infinite;
}
.mc-loader-spinner {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: 3px solid rgba(51, 102, 153, 0.18);
    border-top-color: var(--mc-primary);
    margin: 0 auto 14px;
    animation: mcLoaderSpin 0.9s linear infinite;
}
.mc-loader-text {
    font-size: 12px;
    font-weight: 700;
    color: var(--mc-text-muted);
    letter-spacing: 0.8px;
    text-transform: uppercase;
}
@keyframes mcLoaderSpin {
    to { transform: rotate(360deg); }
}
@keyframes mcLoaderPulse {
    0%, 100% { transform: scale(1);    opacity: 0.95; }
    50%      { transform: scale(1.06); opacity: 1; }
}

/* ---------- Base / Reset for iframe context ---------- */
.mc-body {
    font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
    background: transparent;
    color: var(--mc-text);
    margin: 0;
    padding: 0;
    -webkit-font-smoothing: antialiased;
    line-height: 1.5;
}
.mc-body * { box-sizing: border-box; }

/* ---------- Page wrapper ---------- */
.mc-wrap {
    max-width: 980px;
    margin: 0 auto;
    padding: 16px 14px 32px;
}

/* ---------- Loan Officer card (3 zones: identity / contact / free-services CTA) ---------- */
.mc-lo-card {
    background: var(--mc-card-bg);
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius);
    box-shadow: var(--mc-shadow);
    margin-bottom: 18px;
    overflow: hidden;
}

/* Zone 1: identity row (photo + name + NMLS) */
.mc-lo-zone1 {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 22px;
    border-bottom: 1px solid var(--mc-border);
    flex-wrap: wrap;
}
.mc-lo-photo {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    object-fit: cover;
    border: 3px solid #fff;
    box-shadow: 0 0 0 1px var(--mc-border), 0 2px 8px rgba(20, 40, 70, 0.08);
    flex-shrink: 0;
    background: var(--mc-accent);
}
.mc-lo-identity {
    flex: 1;
    min-width: 220px;
}
.mc-lo-name {
    font-size: 20px;
    font-weight: 700;
    color: var(--mc-primary);
    margin: 0 0 2px;
    line-height: 1.2;
}
.mc-lo-title {
    font-size: 13px;
    color: var(--mc-text-muted);
    margin: 0 0 4px;
    font-weight: 500;
}
.mc-lo-nmls {
    display: inline-block;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    color: var(--mc-primary-dark);
    background: var(--mc-accent);
    padding: 3px 9px;
    border-radius: 4px;
    font-weight: 700;
}

/* Zone 2: company logo + contact details */
.mc-lo-zone2 {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 14px 22px;
    border-bottom: 1px solid var(--mc-border);
    flex-wrap: wrap;
    background: #fafbfd;
}
.mc-lo-logo {
    max-height: 50px;
    max-width: 170px;
    height: auto;
    flex-shrink: 0;
}
.mc-lo-contact {
    flex: 1;
    min-width: 240px;
    font-size: 13px;
    color: var(--mc-text);
    line-height: 1.8;
}
.mc-lo-company {
    font-weight: 600;
    color: var(--mc-primary-dark);
    margin: 0 0 2px;
}
.mc-lo-contact-row {
    color: var(--mc-text-muted);
    font-size: 13px;
}
.mc-lo-contact-row strong {
    color: var(--mc-text);
    font-weight: 600;
}
.mc-lo-contact-row a {
    color: var(--mc-primary);
    text-decoration: none;
}
.mc-lo-contact-row a:hover { text-decoration: underline; }
.mc-lo-contact-row .sep {
    color: #c5cdd6;
    margin: 0 8px;
}

/* Zone 3: Free Services CTA */
.mc-fs-cta {
    background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 100%);
    padding: 18px 22px;
    border-top: 1px solid #d1fae5;
}
.mc-fs-cta-title {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 16px;
    font-weight: 700;
    color: #15803d;
    margin: 0 0 14px;
}
.mc-fs-cta-title .mc-fs-icon {
    width: 38px;
    height: 38px;
    flex-shrink: 0;
}
.mc-fs-options {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 22px;
    margin-bottom: 14px;
}
.mc-fs-option {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 13px;
    color: var(--mc-text);
    cursor: pointer;
    user-select: none;
}
.mc-fs-option input[type="checkbox"] {
    width: 16px;
    height: 16px;
    accent-color: #16a34a;
    cursor: pointer;
}
.mc-fs-form-row {
    display: flex;
    gap: 10px;
    align-items: end;
    flex-wrap: wrap;
}
.mc-fs-field {
    flex: 1;
    min-width: 130px;
}
.mc-fs-field.email { flex: 1.5; min-width: 180px; }
.mc-fs-field.phone { flex: 0 0 auto; }
.mc-fs-field-label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    color: var(--mc-text-muted);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.4px;
}
.mc-fs-input {
    font-family: inherit;
    font-size: 13px;
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    padding: 9px 11px;
    width: 100%;
    background: #fff;
    transition: var(--mc-transition);
    -webkit-appearance: none;
    appearance: none;
    box-sizing: border-box;
}
.mc-fs-input:focus {
    border-color: #16a34a;
    box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.15);
    outline: none;
}
.mc-fs-phone-group {
    display: flex;
    gap: 4px;
    align-items: center;
    font-size: 13px;
    color: var(--mc-text-muted);
}
.mc-fs-phone-group input {
    text-align: center;
    padding: 9px 4px;
    font-size: 12px;
}
.mc-fs-phone-group input.area  { width: 50px; }
.mc-fs-phone-group input.three { width: 50px; }
.mc-fs-phone-group input.four  { width: 60px; }
.mc-fs-submit {
    padding: 10px 22px;
    font-size: 13px;
    font-weight: 600;
    background: linear-gradient(135deg, #16a34a, #15803d);
    color: #fff;
    border: none;
    border-radius: 50px;
    cursor: pointer;
    box-shadow: 0 3px 10px rgba(22, 163, 74, 0.3);
    transition: var(--mc-transition);
    white-space: nowrap;
}
.mc-fs-submit:hover {
    transform: translateY(-1px);
    box-shadow: 0 5px 16px rgba(22, 163, 74, 0.4);
}

@media (max-width: 600px) {
    .mc-lo-zone1, .mc-lo-zone2, .mc-fs-cta { padding: 14px 16px; }
    .mc-lo-zone2 { gap: 14px; }
    .mc-fs-form-row { gap: 8px; }
    .mc-fs-submit { width: 100%; }
}

/* ---------- Cards ---------- */
.mc-card {
    background: var(--mc-card-bg);
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius);
    box-shadow: var(--mc-shadow);
    padding: 22px 22px;
    margin-bottom: 18px;
}
.mc-card-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 6px;
}
.mc-card-title {
    font-size: 19px;
    font-weight: 700;
    color: var(--mc-primary);
    margin: 0;
}
.mc-card-title .fa { margin-right: 6px; }
.mc-card-subtitle {
    font-size: 13px;
    color: var(--mc-text-muted);
    margin: 0 0 18px;
}

/* ---------- Calculator grid (form left, right column right on desktop) ---------- */
.mc-calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}
@media (max-width: 760px) {
    .mc-calc-grid { grid-template-columns: 1fr; gap: 18px; }
}

/* ---------- Mobile-only line break helper ---------- */
.mc-mobile-only { display: none; }
@media (max-width: 760px) {
    .mc-mobile-only { display: inline; }
}

/* ---------- Mobile-only scroll hint ---------- */
.mc-mobile-scroll-hint {
    display: none; /* hidden on desktop — the right column already shows results */
}
@media (max-width: 760px) {
    .mc-mobile-scroll-hint {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 10px;
        width: 100%;
        margin: 6px 0 14px;
        padding: 10px 14px;
        background: linear-gradient(135deg, var(--mc-accent), #f7fafd);
        border: 1px solid var(--mc-border);
        border-radius: var(--mc-radius-sm);
        font-family: inherit;
        cursor: pointer;
        transition: var(--mc-transition);
        -webkit-tap-highlight-color: rgba(51, 102, 153, 0.15);
    }
    .mc-mobile-scroll-hint:hover,
    .mc-mobile-scroll-hint:active {
        background: linear-gradient(135deg, #dbe7f3, var(--mc-accent));
        border-color: var(--mc-primary-light);
    }
    .mc-scroll-amount {
        font-size: 18px;
        font-weight: 700;
        color: var(--mc-primary-dark);
        font-variant-numeric: tabular-nums;
        line-height: 1;
        display: inline-flex;
        align-items: baseline;
        gap: 2px;
    }
    .mc-scroll-suffix {
        font-size: 12px;
        font-weight: 600;
        color: var(--mc-text-muted);
    }
    .mc-scroll-tail {
        font-size: 12.5px;
        font-weight: 600;
        color: var(--mc-text-muted);
        white-space: nowrap;
    }
    .mc-scroll-tail .fa {
        font-size: 12px;
        color: var(--mc-primary);
        margin-left: 4px;
        animation: mcScrollBounce 1.4s ease-in-out infinite;
    }
}
@keyframes mcScrollBounce {
    0%, 100% { transform: translateY(0); opacity: 0.85; }
    50%      { transform: translateY(4px); opacity: 1; }
}

/* ---------- Right column stack (LO / Free Services / Results) ---------- */
.mc-right-col {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

/* On mobile (form stacks above), float the Monthly Payment results to the
   top of the stacked block so it sits right below the form, and push the
   LO contact + Free Services callout below it. */
@media (max-width: 760px) {
    .mc-right-col .mc-results    { order: 1; }
    .mc-right-col .mc-lo-compact { order: 2; }
    .mc-right-col .mc-fs-slim    { order: 3; }
}

/* ---------- Compact LO + company / contact card ---------- */
.mc-lo-compact {
    background: var(--mc-card-bg);
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    padding: 12px 14px;
    display: flex;
    align-items: center;
    gap: 12px;
}
.mc-lo-compact-info {
    flex: 1;
    min-width: 0;
}
.mc-lo-compact-logo {
    flex-shrink: 0;
    max-height: 64px;
    max-width: 127px;
    width: auto;
    height: auto;
    object-fit: contain;
    align-self: center;
}
@media (max-width: 380px) {
    /* Stack logo below contact info on very narrow screens (small phones in
       full-width iframe contexts) so neither side gets squeezed. */
    .mc-lo-compact { flex-direction: column; align-items: flex-start; }
    .mc-lo-compact-logo { max-height: 44px; max-width: 140px; align-self: flex-end; }
}
.mc-lo-compact-header {
    display: flex;
    align-items: flex-end;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 2px;
}
.mc-lo-compact-name {
    font-size: 16px;
    font-weight: 700;
    color: var(--mc-primary);
}
.mc-lo-compact-nmls {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--mc-primary-dark);
    background: var(--mc-accent);
    padding: 2px 7px;
    border-radius: 3px;
    font-weight: 700;
    white-space: nowrap;
}
.mc-lo-compact-sub {
    font-size: 12px;
    color: var(--mc-text-muted);
    margin-bottom: 6px;
    font-weight: 500;
}
.mc-lo-compact-contact {
    list-style: none;
    margin: 0;
    padding: 0;
    font-size: 12px;
    line-height: 1.7;
    color: var(--mc-text-muted);
}
.mc-lo-compact-contact a {
    color: var(--mc-primary);
    text-decoration: none;
}
.mc-lo-compact-contact a:hover { text-decoration: underline; }
.mc-lo-compact-contact .fa {
    width: 14px;
    text-align: center;
    margin-right: 6px;
    color: var(--mc-primary-light);
    font-size: 12px;
}
.mc-lo-compact-contact .lbl {
    font-size: 10px;
    color: #98a2b3;
    font-weight: 600;
    text-transform: uppercase;
    margin-left: 1px;
}

/* ---------- Slim Free Services CTA (no contact fields) ---------- */
.mc-fs-slim {
    background: linear-gradient(135deg, #f0fdf4 0%, #ecfdf5 100%);
    border: 1px solid #d1fae5;
    border-radius: var(--mc-radius-sm);
    padding: 12px 14px;
}
.mc-fs-slim-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 700;
    color: #15803d;
    margin: 0 0 8px;
}
.mc-fs-slim-icon {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
}
.mc-fs-info-btn {
    margin-left: auto;
    background: none;
    border: none;
    padding: 2px;
    color: #15803d;
    font-size: 17px;
    line-height: 1;
    cursor: pointer;
    opacity: 0.75;
    transition: opacity 0.15s ease, transform 0.15s ease;
    display: inline-flex;
    align-items: center;
}
.mc-fs-info-btn:hover,
.mc-fs-info-btn[aria-expanded="true"] {
    opacity: 1;
    transform: scale(1.1);
}
.mc-fs-info-btn:focus { outline: none; }
.mc-fs-info-btn:focus-visible {
    outline: 2px solid #16a34a;
    outline-offset: 2px;
    border-radius: 50%;
}

.mc-fs-info-panel {
    background: #fff;
    border: 1px solid #d1fae5;
    border-radius: var(--mc-radius-sm);
    padding: 8px 12px;
    margin-bottom: 10px;
}
.mc-fs-info-list {
    list-style: none;
    margin: 0;
    padding: 0;
}
.mc-fs-info-list li {
    display: flex;
    gap: 10px;
    padding: 8px 0;
    border-bottom: 1px solid #ecfdf5;
}
.mc-fs-info-list li:last-child { border-bottom: none; }
.mc-fs-info-list li > .fa {
    color: #16a34a;
    font-size: 15px;
    margin-top: 3px;
    flex-shrink: 0;
    width: 18px;
    text-align: center;
}
.mc-fs-info-list strong {
    display: block;
    color: #15803d;
    font-size: 12.5px;
    margin-bottom: 2px;
    font-weight: 700;
}
.mc-fs-info-list span {
    display: block;
    color: var(--mc-text);
    font-size: 11.5px;
    line-height: 1.5;
    font-weight: 400;
}

.mc-fs-slim-options {
    display: flex;
    flex-direction: column;
    gap: 5px;
    margin-bottom: 10px;
}
.mc-fs-slim-options label {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 12px;
    color: var(--mc-text);
    cursor: pointer;
    user-select: none;
    line-height: 1.3;
    font-weight: 500;
}
.mc-fs-slim-options input[type="checkbox"] {
    width: 14px;
    height: 14px;
    accent-color: #16a34a;
    cursor: pointer;
    flex-shrink: 0;
}
.mc-fs-slim-submit {
    display: block;
    width: 100%;
    padding: 9px 14px;
    font-size: 12.5px;
    font-weight: 600;
    background: linear-gradient(135deg, #16a34a, #15803d);
    color: #fff;
    border: none;
    border-radius: 50px;
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(22, 163, 74, 0.25);
    transition: var(--mc-transition);
    letter-spacing: 0.2px;
}
.mc-fs-slim-submit .fa { margin-left: 4px; font-size: 11px; }
.mc-fs-slim-submit:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(22, 163, 74, 0.35);
}

/* ---------- Form ---------- */
.mc-form-group {
    margin-bottom: 14px;
}
.mc-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--mc-text);
    margin-bottom: 5px;
}

/* ---------- Help icon + popover tip ---------- */
.mc-help-btn {
    background: none;
    border: none;
    padding: 0;
    margin: 0;
    cursor: pointer;
    color: var(--mc-text-muted);
    font-size: 13px;
    line-height: 1;
    display: inline-flex;
    align-items: center;
    transition: color 0.15s ease;
}
.mc-help-btn:hover,
.mc-help-btn[aria-expanded="true"] {
    color: var(--mc-primary);
}
.mc-help-btn:focus { outline: none; }
.mc-help-btn:focus-visible {
    outline: 2px solid var(--mc-primary-light);
    outline-offset: 2px;
    border-radius: 50%;
}
.mc-help-tip {
    display: none;
    background: var(--mc-accent);
    border-left: 3px solid var(--mc-primary);
    border-radius: var(--mc-radius-sm);
    padding: 8px 11px;
    font-size: 12px;
    font-weight: 400;
    color: var(--mc-text);
    line-height: 1.5;
    margin: 0 0 6px;
}
.mc-form-group.is-help-open .mc-help-tip { display: block; }
.mc-input,
.mc-select {
    font-family: inherit;
    font-size: 14px;
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    padding: 10px 12px;
    width: 100%;
    transition: var(--mc-transition);
    background: #fff;
    color: var(--mc-text);
    -webkit-appearance: none;
    appearance: none;
}
.mc-input:focus,
.mc-select:focus {
    border-color: var(--mc-primary-light);
    box-shadow: 0 0 0 3px rgba(51, 102, 153, 0.12);
    outline: none;
}
.mc-select {
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'><path fill='%236b7785' d='M6 9L1 4h10z'/></svg>");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 32px;
}
.mc-input-prefix,
.mc-input-suffix {
    position: relative;
}
.mc-input-prefix .mc-input { padding-left: 28px; }
.mc-input-suffix .mc-input { padding-right: 32px; }
.mc-input-prefix::before,
.mc-input-suffix::after {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    color: var(--mc-text-muted);
    font-size: 14px;
    font-weight: 500;
    pointer-events: none;
}
.mc-input-prefix::before { content: attr(data-prefix); left: 12px; }
.mc-input-suffix::after { content: attr(data-suffix); right: 12px; }

.mc-form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}
@media (max-width: 480px) {
    .mc-form-row { grid-template-columns: 1fr; }
}

/* ---------- Numeric stepper (subtle ▲▼ stacked on the right) ---------- */
.mc-stepper {
    display: flex;
    align-items: stretch;
    width: 100%;
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    background: #fff;
    transition: var(--mc-transition);
    overflow: hidden;
}
.mc-stepper:focus-within {
    border-color: var(--mc-primary-light);
    box-shadow: 0 0 0 3px rgba(51, 102, 153, 0.12);
}
.mc-stepper .mc-input-prefix {
    flex: 1;
    min-width: 0;
}
.mc-stepper .mc-input-prefix .mc-input {
    border: none;
    border-radius: 0;
    background: transparent;
}
.mc-stepper .mc-input-prefix .mc-input:focus {
    border: none;
    box-shadow: none;
}
.mc-step-btns {
    display: flex;
    flex-direction: column;
    flex-shrink: 0;
    width: 22px;
    border-left: 1px solid var(--mc-border);
}
.mc-step-btn {
    flex: 1;
    margin: 0;
    padding: 0;
    background: transparent;
    border: none;
    color: var(--mc-text-muted);
    opacity: 0.45;
    cursor: pointer;
    font-size: 10px;
    line-height: 1;
    user-select: none;
    -webkit-tap-highlight-color: transparent;
    transition: opacity 0.15s ease, color 0.15s ease, background 0.15s ease;
}
.mc-stepper:hover .mc-step-btn { opacity: 0.7; }
.mc-step-btn:hover {
    opacity: 1;
    color: var(--mc-primary);
    background: var(--mc-accent);
}
.mc-step-btn:active {
    opacity: 1;
    color: #fff;
    background: var(--mc-primary-light);
}
.mc-step-btn:focus { outline: none; }
.mc-step-btn:focus-visible {
    outline: 2px solid var(--mc-primary-light);
    outline-offset: -2px;
}
.mc-step-btn.plus { border-bottom: 1px solid var(--mc-border); }

/* ---------- Range sliders ---------- */
.mc-slider-row,
.mc-slider-group {
    margin-top: 8px;
}
.mc-slider {
    width: 100%;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 6px;
    background: linear-gradient(to right,
        var(--mc-primary) 0%,
        var(--mc-primary) var(--mc-fill, 0%),
        #dde4ec var(--mc-fill, 0%),
        #dde4ec 100%);
    outline: none;
    transition: background 0.1s linear;
    margin: 6px 0 4px;
    cursor: pointer;
}
/* WebKit thumb */
.mc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #fff;
    border: 2px solid var(--mc-primary);
    box-shadow: 0 2px 6px rgba(51, 102, 153, 0.25);
    cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.mc-slider::-webkit-slider-thumb:hover,
.mc-slider:focus::-webkit-slider-thumb {
    transform: scale(1.1);
    box-shadow: 0 0 0 6px rgba(51, 102, 153, 0.12);
}
/* Firefox thumb */
.mc-slider::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: #fff;
    border: 2px solid var(--mc-primary);
    box-shadow: 0 2px 6px rgba(51, 102, 153, 0.25);
    cursor: pointer;
    transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.mc-slider::-moz-range-thumb:hover,
.mc-slider:focus::-moz-range-thumb {
    transform: scale(1.1);
    box-shadow: 0 0 0 6px rgba(51, 102, 153, 0.12);
}
.mc-slider::-moz-range-track {
    height: 6px;
    border-radius: 6px;
    background: transparent;
}
.mc-slider:focus { outline: none; }

.mc-slider-ticks {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    color: var(--mc-text-muted);
    padding: 0 2px;
    font-weight: 600;
    letter-spacing: 0.3px;
}

/* ---------- Results panel ---------- */
.mc-results {
    background: linear-gradient(135deg, #f7fafd 0%, #eef4fa 100%);
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    padding: 22px 20px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}
.mc-result-headline {
    text-align: center;
    margin-bottom: 18px;
}
.mc-result-headline-label {
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    color: var(--mc-text-muted);
    margin: 0 0 4px;
    font-weight: 600;
}
.mc-result-headline-value {
    font-size: 36px;
    font-weight: 700;
    color: var(--mc-primary);
    margin: 0;
    line-height: 1.1;
}
.mc-result-headline-suffix {
    font-size: 13px;
    color: var(--mc-text-muted);
    margin: 4px 0 0;
}

/* Breakdown bar */
.mc-bar {
    display: flex;
    height: 10px;
    border-radius: 6px;
    overflow: hidden;
    margin: 16px 0 14px;
    background: #e9eef4;
}
.mc-bar-seg { height: 100%; transition: width 0.4s ease; }
.mc-bar-seg.pi  { background: var(--mc-seg-pi); }
.mc-bar-seg.tax { background: var(--mc-seg-tax); }
.mc-bar-seg.ins { background: var(--mc-seg-ins); }
.mc-bar-seg.pmi { background: var(--mc-seg-pmi); }
.mc-bar-seg.hoa { background: var(--mc-seg-hoa); }

.mc-breakdown {
    list-style: none;
    margin: 0;
    padding: 0;
}
.mc-breakdown li {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px solid rgba(208, 216, 226, 0.5);
    font-size: 14px;
}
.mc-breakdown li:last-child { border-bottom: none; }
.mc-breakdown .mc-bd-label {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--mc-text);
}
.mc-bd-dot {
    display: inline-block;
    width: 10px;
    height: 10px;
    border-radius: 50%;
    flex-shrink: 0;
}
.mc-bd-dot.pi  { background: var(--mc-seg-pi); }
.mc-bd-dot.tax { background: var(--mc-seg-tax); }
.mc-bd-dot.ins { background: var(--mc-seg-ins); }
.mc-bd-dot.pmi { background: var(--mc-seg-pmi); }
.mc-bd-dot.hoa { background: var(--mc-seg-hoa); }
.mc-bd-value {
    font-weight: 600;
    color: var(--mc-text);
    font-variant-numeric: tabular-nums;
}

/* Totals strip */
.mc-totals {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 16px;
    padding-top: 14px;
    border-top: 1px solid var(--mc-border);
}
.mc-total-cell {
    text-align: center;
}
.mc-total-cell .lbl {
    display: block;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--mc-text-muted);
    font-weight: 600;
    margin-bottom: 2px;
}
.mc-total-cell .val {
    font-size: 16px;
    font-weight: 700;
    color: var(--mc-primary-dark);
    font-variant-numeric: tabular-nums;
}

/* ---------- Buttons ---------- */
.mc-btn {
    display: inline-block;
    padding: 11px 28px;
    font-size: 14px;
    font-weight: 600;
    font-family: inherit;
    border: none;
    border-radius: 50px;
    cursor: pointer;
    transition: var(--mc-transition);
    text-decoration: none;
    text-align: center;
    letter-spacing: 0.3px;
}
.mc-btn-primary {
    background: linear-gradient(135deg, var(--mc-primary), var(--mc-primary-dark));
    color: #fff;
    box-shadow: 0 3px 10px rgba(51, 102, 153, 0.3);
}
.mc-btn-primary:hover {
    box-shadow: 0 5px 16px rgba(51, 102, 153, 0.4);
    transform: translateY(-1px);
    color: #fff;
}
.mc-btn-secondary {
    background: #fff;
    color: var(--mc-primary);
    border: 1.5px solid var(--mc-primary);
}
.mc-btn-secondary:hover { background: var(--mc-accent); }
.mc-btn-block { display: block; width: 100%; }

/* ---------- Collapsible sections ---------- */
.mc-collapse {
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
    margin-bottom: 12px;
    overflow: hidden;
    background: #fff;
}
.mc-collapse-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 14px 18px;
    cursor: pointer;
    font-size: 15px;
    font-weight: 600;
    color: var(--mc-primary);
    background: #fff;
    transition: var(--mc-transition);
    user-select: none;
}
.mc-collapse-header:hover { background: var(--mc-accent); }
.mc-collapse-header .fa-chevron-down {
    transition: transform 0.25s ease;
    color: var(--mc-text-muted);
    font-size: 12px;
}
.mc-collapse.open .mc-collapse-header .fa-chevron-down {
    transform: rotate(180deg);
}
.mc-collapse-body {
    display: none;
    padding: 16px 18px 20px;
    border-top: 1px solid var(--mc-border);
}
.mc-collapse.open .mc-collapse-body { display: block; }

/* ---------- Amortization table ---------- */
.mc-amort-controls {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 13px;
    color: var(--mc-text-muted);
}
.mc-amort-controls label { font-weight: 600; }
.mc-amort-table-wrap {
    overflow-x: auto;
    border: 1px solid var(--mc-border);
    border-radius: var(--mc-radius-sm);
}
.mc-amort-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 13px;
    font-variant-numeric: tabular-nums;
}
.mc-amort-table thead th {
    background: var(--mc-accent);
    color: var(--mc-primary-dark);
    font-weight: 700;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    padding: 10px 12px;
    text-align: right;
    border-bottom: 1px solid var(--mc-border);
}
.mc-amort-table thead th:first-child { text-align: left; }
.mc-amort-table tbody td {
    padding: 8px 12px;
    text-align: right;
    border-bottom: 1px solid #f0f3f7;
    color: var(--mc-text);
}
.mc-amort-table tbody td:first-child {
    text-align: left;
    color: var(--mc-text-muted);
    font-weight: 600;
}
.mc-amort-table tbody tr:hover td { background: #fafbfd; }
.mc-amort-table tbody tr.year-row td {
    background: #f5f8fb;
    font-weight: 600;
    color: var(--mc-primary-dark);
}

/* ---------- Mortgage Details (dynamic lifetime breakdown) ---------- */
.mc-detail-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
    font-variant-numeric: tabular-nums;
}
.mc-detail-table td {
    padding: 6px 0 4px;
    vertical-align: baseline;
}
.mc-detail-table td.lbl {
    color: var(--mc-text);
    font-weight: 500;
    text-align: left;
    padding-right: 12px;
}
.mc-detail-table td.val {
    color: var(--mc-text);
    font-weight: 600;
    text-align: right;
    white-space: nowrap;
}
.mc-detail-table td.bar-cell {
    padding: 0 0 8px;
}
.mc-detail-bar {
    width: 100%;
    height: 5px;
    background: #eef2f7;
    border-radius: 4px;
    overflow: hidden;
}
.mc-detail-bar .fill {
    height: 100%;
    width: 0%;
    border-radius: 4px;
    transition: width 0.4s ease;
}
/* Color-code each row's portion bar */
[data-row="loan"]     .mc-detail-bar .fill { background: var(--mc-seg-pi); }
[data-row="down"]     .mc-detail-bar .fill { background: #6b8db8; }
[data-row="interest"] .mc-detail-bar .fill { background: var(--mc-seg-tax); }
[data-row="pmi"]      .mc-detail-bar .fill { background: var(--mc-seg-pmi); }
[data-row="tax"]      .mc-detail-bar .fill { background: var(--mc-seg-ins); }
[data-row="ins"]      .mc-detail-bar .fill { background: var(--mc-seg-hoa); }

.mc-detail-table tr.divider td { padding: 6px 0 8px; }
.mc-detail-table tr.divider hr {
    border: none;
    border-top: 1px solid var(--mc-border);
    margin: 0;
}
.mc-detail-table tr.total td {
    padding: 6px 0;
    font-size: 15px;
    font-weight: 700;
    color: var(--mc-primary-dark);
}
.mc-detail-table tr.total td.lbl { font-weight: 700; }

@media (max-width: 480px) {
    .mc-detail-table { font-size: 13px; }
    .mc-detail-table tr.total td { font-size: 14px; }
}

/* ---------- Footer / disclaimer ---------- */
.mc-footer {
    text-align: center;
    padding: 14px 12px 4px;
    font-size: 11px;
    color: #98a2b3;
    line-height: 1.6;
}

/* ---------- Utility ---------- */
.mc-hidden { display: none !important; }
.mc-mt-12 { margin-top: 12px; }
.mc-text-center { text-align: center; }

/* ---------- Print ---------- */
@media print {
    .mc-body { background: #fff; }
    .mc-card, .mc-lo-header { box-shadow: none; border: 1px solid #ccc; }
    .mc-btn, .mc-lo-cta { display: none; }
    .mc-collapse-body { display: block !important; }
}