/* =============================================
   BREADCRUMB
   ============================================= */
.tool-breadcrumb {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 10px 16px;
    font-size: 14px;
    flex-wrap: wrap;
    margin-bottom: 14px;
    background: linear-gradient(135deg, #0d2137 0%, #1a3a6e 60%);
    border-radius: 8px;
    border: none;
}
.tool-breadcrumb a {
    color: #a8d8ea;
    text-decoration: none;
    transition: color 0.2s;
}
.tool-breadcrumb a:hover { color: #fff; text-decoration: underline; }
.tool-breadcrumb-sep { color: rgba(255,255,255,0.4); }
.tool-breadcrumb-current { color: rgba(255,255,255,0.85); }

/* =============================================
   TOOL PAGE — tool.css
   Common styles for all calculator tool pages
   ============================================= */

/* =============================================
   TOOL HEADER
   ============================================= */
.tool-header {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin-bottom: 16px;
    border-left: 4px solid var(--teal);
    box-shadow: var(--shadow);
}
.tool-header-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 6px;
    flex-wrap: wrap;
}
.tool-header-title {
    font-size: 24px;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.4px;
    margin: 0;
}
.tool-header-desc {
    font-size: 16px;
    color: var(--text2);
    line-height: 1.6;
    margin: 0;
    max-width: 680px;
}

/* =============================================
   MAIN WRAP
   ============================================= */
.tool-wrap {
    max-width: var(--container);
    margin: 0 auto;
    padding: 24px 20px 60px;
}

/* =============================================
   TOP DESCRIPTION
   ============================================= */
.tool-top-desc {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 16px 20px;
    font-size: 16px;
    line-height: 1.8;
    color: var(--text2);
    margin-bottom: 20px;
}
.tool-top-desc p { margin-bottom: 8px; }
.tool-top-desc p:last-child { margin-bottom: 0; }

/* =============================================
   CONTENT ROW
   ============================================= */
.tool-content-row {
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

/* =============================================
   LEFT: CALCULATOR
   ============================================= */
.tool-main { flex: 0 0 68%; max-width: 68%; min-width: 0; }

.tool-box {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 24px;
    overflow: visible;
    position: relative;
}

/* Form groups */
.tool-form { width: 100%; }

.tool-group { margin-bottom: 16px; }
.tool-group label {
    display: block;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
}
.tool-group input,
.tool-group select {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: 8px;
    font-size: 15px;
    font-family: var(--font-main);
    color: var(--text);
    background: var(--white);
    transition: border-color 0.2s;
    outline: none;
    box-sizing: border-box;
}
.tool-group input:focus,
.tool-group select:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(0,201,167,0.1);
}

/* Input rows */
.tool-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.tool-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; }

/* Input with prefix/suffix */
.tool-input-wrap { position: relative; display: flex; align-items: center; }
.tool-input-prefix,
.tool-input-suffix {
    position: absolute;
    font-size: 13px;
    font-weight: 600;
    color: var(--muted);
    pointer-events: none;
    z-index: 1;
}
.tool-input-prefix { left: 12px; }
.tool-input-suffix { right: 12px; }
.tool-input-wrap input.has-prefix { padding-left: 26px; }
.tool-input-wrap input.has-suffix { padding-right: 28px; }

/* Buttons */
.tool-actions {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 8px;
}
.tool-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 28px;
    background: var(--teal);
    color: var(--navy);
    font-size: 15px;
    font-weight: 700;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    transition: all 0.2s;
    font-family: var(--font-main);
}
.tool-btn:hover {
    background: #00b396;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0,201,167,0.3);
}
.tool-btn-full { width: 100%; }
.tool-reset {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 11px 20px;
    font-size: 14px;
    font-weight: 600;
    color: #fff;
    background: #64748b;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    font-family: var(--font-main);
    transition: all 0.2s;
}
.tool-reset:hover {
    background: #475569;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(100,116,139,0.3);
}

/* =============================================
   RESULTS
   ============================================= */
.tool-result {
    margin-top: 20px;
    background: linear-gradient(135deg, #f0fdf9 0%, #e6faf5 100%);
    border: 1px solid #b2f0e3;
    border-radius: var(--radius);
    padding: 20px 24px;
    display: none;
}
.tool-result.show { display: block; }

.tool-result-title {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--teal);
    margin-bottom: 10px;
}
.tool-result-main {
    display: flex;
    align-items: baseline;
    gap: 8px;
    margin-bottom: 14px;
}
.tool-result-value {
    font-family: var(--font-mono);
    font-size: 32px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
}
.tool-result-unit {
    font-size: 14px;
    color: var(--text2);
    font-weight: 500;
}
.tool-result-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(130px, 1fr));
    gap: 10px;
    margin-top: 10px;
}
.tool-result-item {
    background: var(--white);
    border-radius: 8px;
    padding: 10px 14px;
    border: 1px solid #c8f0e8;
}
.tool-result-item-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 4px;
}
.tool-result-item-value {
    font-family: var(--font-mono);
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
}
.tool-copy-btn {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 5px 12px;
    background: var(--white);
    border: 1px solid #b2f0e3;
    border-radius: 6px;
    font-size: 12px;
    font-weight: 600;
    color: var(--teal);
    cursor: pointer;
    margin-top: 12px;
    transition: all 0.2s;
    font-family: var(--font-main);
}
.tool-copy-btn:hover { background: #e6faf5; }

/* =============================================
   RIGHT: SIDEBAR
   IMPORTANT: Categories shown first (no ads yet).
   When AdSense approved → move .tool-ad-box ABOVE
   .tool-sidebar-categories in blade file.
   ============================================= */
.tool-sidebar {
    flex: 0 0 calc(32% - 20px);
    max-width: calc(32% - 20px);
    min-width: 0;
}

/* Ad box (hidden until AdSense approved) */
.tool-ad-box {
    width: 100%;
    height: 250px;
    background: var(--light);
    border: 2px dashed var(--border);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--muted);
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 16px;
}

/* Categories sidebar */
.tool-sidebar-categories {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow);
    position: sticky;
    top: 16px;
}
.tool-sidebar-title {
    padding: 12px 16px;
    font-size: 12px;
    font-weight: 700;
    color: var(--white);
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}



.sidebar-links {
    list-style: none;
    padding: 6px 0 10px;
    margin: 0;
}
.sidebar-links li a {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    font-size: 14px;
    color: var(--text2);
    transition: all 0.15s;
    border-left: 3px solid transparent;
    text-decoration: none;
}
.sidebar-links li a::before {
    content: '';
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--teal);
    flex-shrink: 0;
    opacity: 0.4;
}
.sidebar-links li a:hover {
    background: var(--light);
    color: var(--navy);
    border-left-color: var(--teal);
    padding-left: 20px;
}
.sidebar-links li a:hover::before { opacity: 1; }
.sidebar-links li a.active {
    background: transparent;
    color: var(--teal);
    font-weight: 600;
    border-left-color: var(--teal);
}
.sidebar-links li a.active::before { opacity: 1; width: 8px; height: 8px; }

/* =============================================
   BOTTOM DESCRIPTION
   ============================================= */
.tool-bottom-desc {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px 28px;
    font-size: 16px;
    line-height: 1.8;
    color: var(--text2);
    margin-top: 20px;
}
.tool-bottom-desc h2 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin: 20px 0 8px;
}
.tool-bottom-desc h2:first-child { margin-top: 0; }
.tool-bottom-desc h3 {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin: 16px 0 6px;
}
.tool-bottom-desc p  { margin-bottom: 12px; }
.tool-bottom-desc ul,
.tool-bottom-desc ol { padding-left: 20px; margin-bottom: 12px; }
.tool-bottom-desc li { margin-bottom: 4px; }
.tool-bottom-desc table {
    width: 100%;
    border-collapse: collapse;
    margin-bottom: 16px;
    font-size: 13px;
}
.tool-bottom-desc th {
    background: var(--light);
    padding: 8px 12px;
    text-align: left;
    font-weight: 600;
    color: var(--navy);
    border: 1px solid var(--border);
}
.tool-bottom-desc td {
    padding: 8px 12px;
    border: 1px solid var(--border);
    color: var(--text2);
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 900px) {
    .tool-sidebar        { display: none; }
    .tool-content-row    { flex-direction: column; }
    .tool-main           { flex: 0 0 100%; max-width: 100%; }
    .tool-wrap           { padding: 16px 16px 40px; }
    .tool-header-title   { font-size: 20px; }
}
@media (max-width: 600px) {
    .tool-row           { grid-template-columns: 1fr; }
    .tool-row-3         { grid-template-columns: 1fr 1fr; }
    .tool-box           { padding: 16px; }
    .tool-result-value  { font-size: 26px; }
    .tool-bottom-desc   { padding: 16px; }
}
/* =============================================
   CURRENCY SELECTOR (tool.css — shared)
   ============================================= */
.currency-selector-wrap {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    background: var(--light);
    border: 1px solid var(--border);
    border-radius: 8px;
    margin-bottom: 16px;
}
.currency-label {
    font-size: 12px;
    font-weight: 700;
    color: var(--navy);
    white-space: nowrap;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.currency-dropdown-wrap {
    position: relative;
    z-index: 9999;
}
.currency-trigger {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
    padding: 7px 14px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    border: none;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 600;
    font-family: var(--font-main);
    color: #fff;
    cursor: pointer;
    white-space: nowrap;
    transition: all 0.2s;
    min-width: 220px;
    box-shadow: 0 2px 8px rgba(13,33,55,0.2);
}
.currency-trigger:hover {
    background: linear-gradient(135deg, #1a3a6e 0%, #0d2137 100%);
    box-shadow: 0 4px 12px rgba(13,33,55,0.3);
}
.currency-arrow { color: var(--teal); font-size: 12px; }
.currency-dropdown {
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    position: fixed;
    min-width: 300px;
    background: #fff;
    border: 1px solid #e2e8f0;
    border-radius: 8px;
    box-shadow: 0 8px 24px rgba(0,0,0,0.15);
    z-index: 99999;
    overflow: hidden;
    transition: opacity 0.15s, visibility 0.15s;
}
.currency-dropdown.open {
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
}
.currency-search-wrap {
    padding: 10px;
    border-bottom: 1px solid var(--border);
    background: var(--light);
}
.currency-search {
    width: 100%;
    padding: 8px 12px;
    border: 1px solid var(--border);
    border-radius: 6px;
    font-size: 13px;
    font-family: var(--font-main);
    outline: none;
    box-sizing: border-box;
}
.currency-search:focus { border-color: var(--teal); }
.currency-list {
    max-height: 240px;
    overflow-y: auto;
}
.currency-list::-webkit-scrollbar { width: 4px; }
.currency-list::-webkit-scrollbar-thumb { background: #cbd5e1; border-radius: 2px; }
.currency-option {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px;
    cursor: pointer;
    transition: background 0.1s;
    border-bottom: 1px solid #f1f5f9;
}
.currency-option:hover { background: #f0fdf9; }
.currency-flag,
.currency-option img {
    width: 20px;
    height: 15px;
    border-radius: 2px;
    object-fit: cover;
    flex-shrink: 0;
}
.currency-info {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 1px;
    min-width: 0;
}
.currency-name {
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}
.currency-sub {
    font-size: 11px;
    color: var(--muted);
}
.currency-code {
    font-size: 12px;
    font-weight: 700;
    color: var(--teal);
    white-space: nowrap;
    background: #f0fdf9;
    padding: 2px 6px;
    border-radius: 4px;
    border: 1px solid #b2f0e3;
}
.currency-no-result {
    padding: 16px;
    text-align: center;
    color: var(--muted);
    font-size: 13px;
}
/* =============================================
   COMMON CALCULATOR STYLES
   Shared across all tool pages
   ============================================= */

/* Instruction bar */
.mort-instruction {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    color: rgba(255,255,255,0.9);
    padding: 10px 16px;
    border-radius: 8px;
    font-size: 14px;
    margin-bottom: 20px;
    text-align: center;
}

/* Two-column layout */
.mort-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    align-items: start;
}
.mort-inputs { min-width: 0; }
.mort-results { animation: fadeIn 0.3s ease; min-width: 0; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.mort-optional { font-size: 11px; font-weight: 400; color: var(--muted); }

/* Result header */
.mort-result-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    border-radius: 10px;
    padding: 14px 18px;
    margin-bottom: 16px;
}
.mort-result-label {
    font-size: 12px;
    font-weight: 600;
    color: rgba(255,255,255,0.7);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 4px;
}
.mort-result-value {
    font-family: var(--font-mono);
    font-size: 28px;
    font-weight: 700;
    color: var(--teal);
}
.mort-print-btn {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 14px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.25);
    border-radius: 8px;
    color: #fff;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
    font-family: var(--font-main);
    white-space: nowrap;
}
.mort-print-btn:hover { background: rgba(255,255,255,0.2); }

/* Breakdown table */
.mort-table { width: 100%; border-collapse: collapse; font-size: 14px; margin-bottom: 16px; }
.mort-table th {
    background: var(--light);
    padding: 8px 10px;
    text-align: right;
    font-size: 12px;
    font-weight: 700;
    color: var(--navy);
    border-bottom: 2px solid var(--border);
}
.mort-table th:first-child { text-align: left; }
.mort-table td {
    padding: 9px 10px;
    border-bottom: 1px solid var(--border);
    color: var(--text2);
    text-align: right;
    font-family: var(--font-mono);
    font-size: 13px;
}
.mort-table td:first-child { text-align: left; font-family: var(--font-main); color: var(--text); }
.mort-row-highlight td { background: #f0fdf9; color: var(--navy) !important; font-weight: 600; }
.mort-row-highlight td:first-child { color: var(--navy) !important; }
.mort-row-total td { background: var(--light); font-weight: 700; color: var(--navy) !important; border-top: 2px solid var(--border); font-family: var(--font-mono); }
.mort-row-total td:first-child { font-family: var(--font-main); }

/* Summary cards */
.mort-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.mort-summary-item { background: var(--light); border-radius: 8px; padding: 10px 14px; border: 1px solid var(--border); }
.mort-summary-label { font-size: 11px; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 4px; }
.mort-summary-val { font-family: var(--font-mono); font-size: 16px; font-weight: 700; color: var(--navy); }

/* Amortization section */
.mort-amort { margin-top: 20px; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.mort-amort-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 18px;
    background: var(--light);
    cursor: pointer;
    font-weight: 600;
    font-size: 14px;
    color: var(--navy);
    user-select: none;
    border-bottom: 1px solid var(--border);
}
.mort-amort-header:hover { background: #e2e8f0; }
.mort-amort-header-right { display: flex; align-items: center; gap: 12px; }
.mort-amort-toggle { font-size: 12px; color: var(--teal); font-weight: 700; }
.mort-csv-btn {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 5px 12px;
    background: var(--teal);
    color: var(--navy);
    border: none;
    border-radius: 6px;
    font-size: 12px;
    font-weight: 700;
    cursor: pointer;
    font-family: var(--font-main);
    transition: all 0.2s;
}
.mort-csv-btn:hover { background: #00b396; }

/* Amortization scroll */
.mort-amort-scroll {
    max-height: 420px;
    overflow-y: auto;
    overflow-x: auto;
    padding: 8px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.mort-amort-scroll::-webkit-scrollbar { width: 5px; }
.mort-amort-scroll::-webkit-scrollbar-track { background: #f1f5f9; }
.mort-amort-scroll::-webkit-scrollbar-thumb { background: #cbd5e1; border-radius: 3px; }
.mort-amort-scroll::-webkit-scrollbar-thumb:hover { background: #94a3b8; }

/* Amortization table — card rows */
.mort-amort-table { width: 100%; border-collapse: separate; border-spacing: 0 4px; font-size: 13px; min-width: 520px; }
.mort-amort-table thead { position: sticky; top: 0; z-index: 2; }
.mort-amort-table thead tr th {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    color: #fff;
    padding: 11px 16px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    text-align: right;
    white-space: nowrap;
    border: none;
}
.mort-amort-table thead tr th:first-child  { text-align: center; width: 50px; border-radius: 8px 0 0 8px; }
.mort-amort-table thead tr th:nth-child(2) { text-align: left; }
.mort-amort-table thead tr th:last-child   { border-radius: 0 8px 8px 0; }
.mort-amort-table tbody tr td {
    padding: 10px 16px;
    text-align: right;
    font-size: 13px;
    color: var(--text2);
    white-space: nowrap;
    background: #fff;
    border-top: 1px solid #e2e8f0;
    border-bottom: 1px solid #e2e8f0;
    transition: all 0.15s;
}
.mort-amort-table tbody tr td:first-child { text-align: center; font-weight: 700; color: #94a3b8; font-size: 12px; border-left: 1px solid #e2e8f0; border-radius: 8px 0 0 8px; }
.mort-amort-table tbody tr td:nth-child(2) { text-align: left; color: var(--navy); font-weight: 600; }
.mort-amort-table tbody tr td:nth-child(3) { color: var(--navy); font-weight: 600; }
.mort-amort-table tbody tr td:nth-child(4) { color: #16a34a; font-weight: 600; }
.mort-amort-table tbody tr td:nth-child(5) { color: #dc2626; }
.mort-amort-table tbody tr td:last-child   { border-right: 1px solid #e2e8f0; border-radius: 0 8px 8px 0; }
.mort-amort-table tbody tr:hover td { background: #f0fdf9 !important; border-color: #b2f0e3 !important; }

/* Print modal */
.mort-modal-overlay {
    display: none; position: fixed; inset: 0;
    background: rgba(0,0,0,0.5); z-index: 1000; backdrop-filter: blur(2px);
}
.mort-modal {
    display: none; position: fixed; top: 50%; left: 50%;
    transform: translate(-50%, -50%); z-index: 1001;
    background: var(--white); border-radius: 12px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.3);
    width: 560px; max-width: 95vw; max-height: 85vh;
    flex-direction: column; overflow: hidden;
}
.mort-modal-header {
    display: flex; align-items: center; justify-content: space-between;
    padding: 16px 20px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
    color: #fff;
}
.mort-modal-header h3 { font-size: 16px; font-weight: 700; }
.mort-modal-actions { display: flex; align-items: center; gap: 8px; }
.mort-modal-print-btn {
    display: flex; align-items: center; gap: 5px;
    padding: 6px 14px; background: var(--teal); color: var(--navy);
    border: none; border-radius: 6px; font-size: 13px; font-weight: 700;
    cursor: pointer; font-family: var(--font-main); transition: all 0.2s;
}
.mort-modal-print-btn:hover { background: #00b396; }
.mort-modal-close {
    width: 30px; height: 30px; border-radius: 50%; border: none;
    background: rgba(255,255,255,0.15); color: #fff; font-size: 16px;
    cursor: pointer; display: flex; align-items: center; justify-content: center;
    transition: background 0.2s;
}
.mort-modal-close:hover { background: rgba(255,255,255,0.25); }
.mort-modal-body { padding: 20px; overflow-y: auto; flex: 1; }

/* Modal content */
.mpm-section { margin-bottom: 16px; }
.mpm-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--teal); border-bottom: 1px solid var(--border); padding-bottom: 4px; margin-bottom: 8px; }
.mpm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.mpm-item { padding: 8px 12px; background: var(--light); border-radius: 6px; border: 1px solid var(--border); }
.mpm-item.highlight { border-color: var(--teal); background: #f0fdf9; }
.mpm-label { font-size: 11px; color: var(--muted); margin-bottom: 3px; }
.mpm-val { font-size: 15px; font-weight: 700; color: var(--navy); font-family: var(--font-mono); }
.mpm-val.teal { color: var(--teal); font-size: 18px; }
.mpm-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.mpm-table th { background: var(--light); padding: 7px 10px; text-align: right; font-weight: 700; color: var(--navy); border-bottom: 2px solid var(--border); font-size: 12px; }
.mpm-table th:first-child { text-align: left; }
.mpm-table td { padding: 7px 10px; border-bottom: 1px solid var(--border); text-align: right; font-family: var(--font-mono); font-size: 13px; }
.mpm-table td:first-child { text-align: left; font-family: var(--font-main); }
.mpm-table tr.hl td { background: #f0fdf9; font-weight: 600; color: var(--navy); }
.mpm-table tr.total td { background: var(--light); font-weight: 700; color: var(--navy); border-top: 2px solid var(--border); }

@media (max-width: 768px) { .mort-layout { grid-template-columns: 1fr; } }
/* =============================================
   COMMON TAB SWITCHER
   Used by loan, auto-loan, interest and all
   multi-tab calculator tools
   ============================================= */
.calc-tabs {
    display: flex;
    gap: 0;
    margin-bottom: 20px;
    border-bottom: 2px solid var(--border);
}
.calc-tab {
    padding: 10px 22px;
    background: none;
    border: none;
    border-bottom: 3px solid transparent;
    font-size: 14px;
    font-weight: 600;
    color: var(--muted);
    cursor: pointer;
    font-family: var(--font-main);
    transition: all 0.2s;
    margin-bottom: -2px;
    white-space: nowrap;
}
.calc-tab:hover { color: var(--navy); background: var(--light); }
.calc-tab.active {
    color: var(--teal);
    border-bottom-color: var(--teal);
    background: none;
}
.calc-panel { display: none !important; }
.calc-panel.active { display: block !important; }
/* =============================================
   SETTINGS BUTTON — Common for all tools
   Usage: <button class="tool-settings-btn" onclick="...">
          ⚙️ Settings <span class="tool-settings-arrow">▼</span>
          </button>
   ============================================= */
.tool-settings-wrap { margin: 12px 0; }

.tool-settings-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 18px;
    background: var(--navy);
    color: #fff;
    border: none;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 700;
    cursor: pointer;
    font-family: var(--font-main);
    transition: background 0.2s;
    user-select: none;
}
.tool-settings-btn:hover { background: var(--navy2); }
.tool-settings-arrow {
    font-size: 10px;
    margin-left: 2px;
    transition: transform 0.2s;
}

.tool-settings-panel {
    margin-top: 10px;
    background: var(--light);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 16px 20px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}
.tool-settings-row {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}
.tool-settings-label {
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
    min-width: 130px;
}
.tool-settings-options {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
}

/* Radio & Checkbox — common for settings panels */
.tool-settings-radio {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text);
    cursor: pointer;
}
.tool-settings-radio input[type="radio"] {
    width: 17px;
    height: 17px;
    accent-color: var(--teal);
    cursor: pointer;
}
.tool-settings-check {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text2);
    cursor: pointer;
}
.tool-settings-check input[type="checkbox"] {
    width: 16px;
    height: 16px;
    accent-color: var(--teal);
    cursor: pointer;
}

@media (max-width: 600px) {
    .tool-settings-row { flex-direction: column; align-items: flex-start; }
    .tool-settings-options { gap: 12px; }
}