/* Free tools: /tools/ and the pages under it. The payoff calculators (payoff.js) and the template
   page's download buttons. Built on site.css's tokens and compare.css's guide styles. */

/* ---------- Calculator panel ---------- */

.calc {
  --calc-pad: clamp(1.25rem, 1rem + 1.5vw, 2rem);
  margin: 0 0 var(--space-8);
  padding: var(--calc-pad);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}

.calc-fields {
  display: grid;
  gap: var(--space-4);
}
@media (min-width: 560px) {
  .calc-fields {
    grid-template-columns: 1fr 1fr;
  }
}
/* In the grid, the gap spaces the fields (site.css adds a top margin between stacked ones). */
.calc .field + .field {
  margin-top: 0;
}
.calc .field {
  align-content: start;
}
.calc .field .hint {
  margin: 0;
  line-height: 1.45;
}
.calc .input[aria-invalid="true"] {
  border-color: var(--danger);
}

/* "Or pick a payoff month": a second way to use the same form. */
.calc-target {
  margin: var(--space-5) 0 0;
  padding: var(--space-5) 0 0;
  border: 0;
  border-top: 1px solid var(--border);
  min-width: 0;
}
.calc-target legend {
  float: left;
  width: 100%;
  margin-bottom: var(--space-1);
  padding: 0;
  font-weight: 650;
}
.calc-target legend + * {
  clear: both;
}
.calc-target > .hint {
  margin: 0 0 var(--space-3);
  color: var(--text-3);
  font-size: var(--step--1);
}
/* The card's minimum payment terms, set off like the payoff-month finder. */
.calc-minimum {
  margin: var(--space-5) 0 0;
  padding: var(--space-5) 0 0;
  border: 0;
  border-top: 1px solid var(--border);
  min-width: 0;
}
.calc-minimum legend {
  float: left;
  width: 100%;
  margin-bottom: var(--space-1);
  padding: 0;
  font-weight: 650;
}
.calc-minimum legend + * {
  clear: both;
}
.calc-minimum > .hint {
  margin: 0 0 var(--space-3);
  color: var(--text-3);
  font-size: var(--step--1);
}
.calc-check {
  display: flex;
  gap: var(--space-2);
  align-items: center;
  margin-top: var(--space-3);
  cursor: pointer;
}
.calc-check input {
  width: 1.05rem;
  height: 1.05rem;
  margin: 0;
  accent-color: var(--brand);
}
.calc-target-row {
  display: grid;
  gap: var(--space-3);
  align-items: end;
}
@media (min-width: 560px) {
  .calc-target-row {
    grid-template-columns: 1fr auto;
  }
}

/* ---------- Results ---------- */

.calc-results {
  margin-top: var(--space-6);
}
.calc-cards {
  display: grid;
  gap: var(--space-4);
}
@media (min-width: 640px) {
  .calc-cards {
    grid-template-columns: 1fr 1fr;
  }
  .calc-cards.is-single {
    grid-template-columns: 1fr;
  }
}
.calc-card {
  padding: var(--space-4) var(--space-5);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--bg-soft);
}
.calc-card.is-extra {
  border-color: var(--brand-line);
  background: var(--brand-softer);
}
.guide .calc-card h3 {
  margin: 0 0 var(--space-3);
  font-size: var(--step-0);
  font-weight: 650;
}
/* One row per figure: the label on the left, the number on the right. */
.calc-stats {
  margin: 0;
}
.calc-stats > div {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 0 var(--space-3);
  padding: var(--space-2) 0;
  border-top: 1px solid var(--border);
}
.calc-stats > div:first-child {
  border-top: 0;
  padding-top: 0;
}
.calc-stats > div:last-child {
  padding-bottom: 0;
}
.calc-stats dt {
  color: var(--text-2);
  font-size: var(--step--1);
}
.calc-stats dd {
  margin: 0 0 0 auto;
  color: var(--text);
  font-size: var(--step-0);
  font-weight: 650;
  font-variant-numeric: tabular-nums;
  text-align: right;
}
.calc-stats dd span {
  display: block;
  color: var(--text-3);
  font-size: var(--step--1);
  font-weight: 400;
}
.calc-card.is-extra .calc-stats > div {
  border-color: var(--brand-line);
}

.guide .calc-saving,
.guide .calc-note,
.guide .calc-problem {
  margin: var(--space-4) 0 0;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius);
  line-height: 1.5;
}
.guide .calc-saving,
.guide .calc-note {
  border-left: 3px solid var(--brand);
  background: var(--brand-softer);
  color: var(--text);
}
.guide .calc-note {
  margin: 0 0 var(--space-4);
}
.guide .calc-problem {
  margin: 0;
  border: 1px solid var(--danger-line);
  background: var(--danger-bg);
  color: var(--text);
}
.guide .calc-card .calc-problem {
  border: 0;
  padding: 0;
  background: none;
  color: var(--danger);
}

/* ---------- Payment schedule ---------- */

.calc-schedule {
  margin-top: var(--space-5);
}
.calc-schedule summary {
  color: var(--brand-text);
  font-weight: 620;
  cursor: pointer;
}
.calc-table-wrap {
  max-height: 30rem;
  margin-top: var(--space-3);
  overflow: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
}
.calc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: var(--step--1);
  font-variant-numeric: tabular-nums;
}
.calc-table th,
.calc-table td {
  padding: 0.45rem 0.75rem;
  border-bottom: 1px solid var(--border);
  text-align: right;
  white-space: nowrap;
  color: var(--text-2);
}
.calc-table th:first-child {
  text-align: left;
}
.calc-table thead th {
  position: sticky;
  top: 0;
  z-index: 1;
  background: var(--bg-soft);
  color: var(--text);
  font-weight: 650;
}
.calc-table tbody th {
  font-weight: 400;
}
.calc-table tfoot th,
.calc-table tfoot td {
  border-bottom: 0;
  color: var(--text);
  font-weight: 650;
}
/* On a phone the table runs to the panel's edges, so five columns fit without scrolling. */
@media (max-width: 559.98px) {
  .calc-table-wrap {
    margin-inline: calc(-1 * var(--calc-pad));
    border-inline: 0;
    border-radius: 0;
  }
  .calc-table th,
  .calc-table td {
    padding: 0.4rem 0.3rem;
    font-size: 0.78rem;
  }
  .calc-table th:first-child {
    padding-left: 0.75rem;
  }
  .calc-table td:last-child {
    padding-right: 0.75rem;
  }
}

/* ---------- Worked examples and downloads in the text ---------- */

.guide .calc-figures td,
.guide .calc-figures th {
  font-variant-numeric: tabular-nums;
}
.guide .calc-figures tbody th {
  width: auto;
}
.guide .compare-wrap + p,
.guide .downloads + p {
  margin-top: var(--space-4);
}
.guide .downloads {
  justify-content: flex-start;
  margin-top: var(--space-4);
}
.guide .downloads .btn span {
  color: inherit;
  font-weight: 400;
  opacity: 0.8;
}

/* Paying only the minimum: shown first, for comparison. */
.calc-card.is-minimum {
  border-style: dashed;
}
.calc-card h3 span {
  color: var(--text-3);
  font-size: var(--step--1);
  font-weight: 500;
}

/* Download or print the schedule. */
.calc-schedule-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-2);
  margin: var(--space-3) 0;
}

@media print {
  .site-header,
  .site-footer,
  .skip-link,
  .calc-form,
  .calc-schedule-actions,
  .guide-cta,
  .related {
    display: none !important;
  }
  .calc-table-wrap {
    overflow: visible;
    max-height: none;
  }
}