/* ============================================================
   CONSUMER MORTGAGE TOOLS PAGE — consumer-page.css
   Loaded only on /mortgage-tools/
   Prefix: .con-
   ============================================================ */

/* ===== HERO ===== */
.con-hero {
  text-align: center;
  padding: 48px 20px 32px;
  max-width: 760px;
  margin: 0 auto;
}
.con-hero h1 {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--color-cream);
  margin-bottom: 12px;
  line-height: 1.2;
}
.con-hero p {
  font-size: 1.05rem;
  color: var(--color-muted);
  line-height: 1.6;
  margin: 0;
}

/* ===== SITUATION CARDS — reuse .use-grid / .use-card from style.css ===== */
/* Active state not defined globally, so define it here */
.use-card.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-cream);
}
.use-card.active .use-label,
.use-card.active .use-desc { color: var(--color-cream); }
.use-card { cursor: pointer; }

/* ===== SECTIONS ===== */
.con-sections {
  max-width: 900px;
  margin: 0 auto;
  padding: 0;
}
.con-section {
  animation: conFadeIn 200ms ease;
}
@keyframes conFadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.con-section-intro {
  font-size: 1rem;
  color: var(--color-body);
  line-height: 1.7;
  margin-bottom: 24px;
  padding: 16px 20px;
  background: var(--color-surface);
  border-radius: var(--radius);
  border-left: 3px solid var(--color-gold);
}

/* ===== SECTION HEADING ===== */
.con-section-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-cream);
  margin-bottom: 16px;
}
.con-subsection-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 6px;
}

/* ===== TAB BAR ===== */
.con-tab-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 24px;
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 0;
}
.con-calc-tab {
  padding: 8px 14px;
  border-radius: 6px 6px 0 0;
  border: 1px solid transparent;
  border-bottom: none;
  background: transparent;
  color: var(--color-muted);
  font-family: inherit;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 120ms ease;
  white-space: nowrap;
  position: relative;
  bottom: -1px;
}
.con-calc-tab:hover {
  color: var(--color-cream);
  background: var(--color-surface);
}
.con-calc-tab.active {
  color: var(--color-gold);
  background: var(--color-surface);
  border-color: var(--color-border);
  border-bottom-color: var(--color-surface);
}

/* ===== CALC PANELS ===== */
.con-calc-panel {
  background: var(--color-surface);
  border-radius: 0 var(--radius) var(--radius) var(--radius);
  border: 1px solid var(--color-border);
  padding: 24px;
  margin-bottom: 16px;
}

/* ===== SHARED FORM STYLES ===== */
.con-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 20px;
}
@media (max-width: 600px) {
  .con-form-grid { grid-template-columns: 1fr; }
}
.con-form-grid.con-3col {
  grid-template-columns: 1fr 1fr 1fr;
}
@media (max-width: 720px) {
  .con-form-grid.con-3col { grid-template-columns: 1fr 1fr; }
}

.con-var-table { margin-bottom: 20px; }
.con-var-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 12px;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid var(--color-border);
}
.con-var-row:last-child { border-bottom: none; }
.con-var-head > div {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-muted);
  text-align: center;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding-bottom: 4px;
}
.con-var-head > div:first-child { text-align: left; }
.con-var-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-cream);
}
@media (max-width: 600px) {
  .con-var-row { grid-template-columns: 1.3fr 1fr 1fr; gap: 8px; }
}

.con-field { margin-bottom: 0; }
.con-field label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-cream);
  margin-bottom: 5px;
}
.con-field .con-input-wrap {
  display: flex;
  align-items: center;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 6px;
  overflow: hidden;
}
.con-field .con-prefix,
.con-field .con-suffix {
  padding: 0 8px;
  font-size: 0.85rem;
  color: var(--color-muted);
  background: var(--color-border);
  align-self: stretch;
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.con-field input[type="number"],
.con-field input[type="text"],
.con-field input[type="month"],
.con-field select {
  flex: 1;
  padding: 8px 10px;
  border: none;
  background: transparent;
  color: var(--color-cream);
  font-family: inherit;
  font-size: 0.9rem;
  outline: none;
  width: 100%;
  min-width: 0;
}
.con-field select {
  cursor: pointer;
}
.con-field input[type="number"]::-webkit-inner-spin-button,
.con-field input[type="number"]::-webkit-outer-spin-button {
  opacity: 0.4;
}
.con-field input[type="month"],
.con-field input[type="date"] {
  color-scheme: dark;
}

.con-field-note {
  font-size: 0.78rem;
  color: var(--color-muted);
  margin-top: 4px;
}

/* ===== RESULTS ===== */
.con-results {
  margin-top: 20px;
  border-top: 1px solid var(--color-border);
  padding-top: 16px;
}
.con-results-section-title {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-muted);
  margin-bottom: 10px;
}

/* ===== YEAR TOGGLE (True Cost to Buy) ===== */
.con-tc-yr-bar {
  display: flex;
  gap: 6px;
  margin-bottom: 14px;
  flex-wrap: wrap;
}
.con-tc-yr-btn {
  padding: 4px 14px;
  border-radius: 20px;
  border: 1px solid var(--color-border);
  background: transparent;
  color: var(--color-muted);
  font-family: inherit;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 120ms ease;
}
.con-tc-yr-btn:hover {
  color: var(--color-cream);
  border-color: var(--color-cream);
}
.con-tc-yr-btn.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: #1a1a1a;
}
.con-result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 6px 0;
  border-bottom: 1px solid rgba(42,42,42,0.5);
  gap: 12px;
}
.con-result-row:last-child { border-bottom: none; }
.con-result-label {
  font-size: 0.85rem;
  color: var(--color-muted);
  flex: 1;
}
.con-result-label small {
  display: block;
  font-size: 0.74rem;
  color: var(--color-border);
  margin-top: 1px;
}
.con-result-value {
  font-weight: 700;
  color: var(--color-cream);
  font-size: 0.9rem;
  text-align: right;
}
.con-result-value.con-accent { color: var(--color-gold); }
.con-result-value.con-pos    { color: #4ade80; }
.con-result-value.con-neg    { color: #f87171; }

.con-headline {
  text-align: center;
  margin-bottom: 20px;
}
.con-headline-val {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--color-gold);
}
.con-headline-label {
  font-size: 0.85rem;
  color: var(--color-muted);
  margin-top: 4px;
}

/* ===== EMPTY STATE ===== */
.con-empty {
  text-align: center;
  color: var(--color-muted);
  font-size: 0.9rem;
  padding: 32px 20px;
  font-style: italic;
}

/* ===== FHA vs CONVENTIONAL COLUMNS ===== */
.fc-col-head {
  font-weight: 700;
  color: var(--color-cream);
  margin-bottom: 12px;
  font-size: 1rem;
}
.fc-divider {
  border-top: 1px solid var(--color-border);
  margin: 10px 0;
}

/* ===== SCENARIO CARDS ===== */
.con-scenario-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 16px;
}
@media (max-width: 720px) {
  .con-scenario-cards { grid-template-columns: 1fr; }
}
.con-scenario-card {
  background: var(--color-bg);
  border-radius: 8px;
  border: 1px solid var(--color-border);
  padding: 16px;
  position: relative;
}
.con-scenario-card.con-std {
  border-color: var(--color-gold);
}
.con-scenario-badge {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  background: var(--color-gold);
  color: var(--color-cream);
  padding: 2px 8px;
  border-radius: 20px;
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.con-scenario-name  { display: block; font-size: 0.8rem; font-weight: 700; color: var(--color-cream); margin-bottom: 4px; }
.con-scenario-price { display: block; font-size: 1.4rem; font-weight: 800; color: var(--color-gold); margin-bottom: 4px; }
.con-scenario-sub   { display: block; font-size: 0.78rem; color: var(--color-muted); line-height: 1.4; }
.con-scenario-sub small { display: block; margin-top: 4px; }

/* ===== AFFORDABILITY RANGE BLOCK ===== */
.aff-range-block {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 8px;
  padding: 24px 28px;
  margin: 0 auto 16px;
  max-width: 480px;
  text-align: center;
}
.aff-range-header {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--color-cream);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}
.aff-range-values {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--color-gold);
  margin-bottom: 4px;
}
.aff-range-sub {
  font-size: 0.78rem;
  color: var(--color-muted);
  margin-bottom: 14px;
}
.aff-range-note {
  font-size: 0.8rem;
  color: var(--color-muted);
  line-height: 1.55;
  text-align: left;
  border-top: 1px solid var(--color-border);
  padding-top: 12px;
}

/* ===== TWO-COLUMN LAYOUT ===== */
.con-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 720px) {
  .con-two-col { grid-template-columns: 1fr; }
}

/* ===== THREE-COLUMN LAYOUT ===== */
.con-three-col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 16px;
}
@media (max-width: 720px) {
  .con-three-col { grid-template-columns: 1fr; }
}
.con-three-col > div {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 8px;
  padding: 16px;
}
.con-three-col > div.con-col-winner {
  border-color: var(--color-gold);
}
.con-result-winner {
  color: var(--color-gold) !important;
}
.con-col-header {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--color-cream);
  padding: 10px 0;
  border-bottom: 2px solid var(--color-gold);
  margin-bottom: 12px;
}

/* ===== YEAR SELECTOR ===== */
.con-year-selector {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.con-year-selector-label {
  font-size: 13px;
  color: var(--color-muted);
  white-space: nowrap;
}
.con-year-selector-options {
  display: flex;
  gap: 6px;
}
.con-year-btn {
  background: var(--color-surface);
  border: 1px solid var(--color-muted);
  color: var(--color-cream);
  padding: 6px 16px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 13px;
  font-weight: 600;
  font-family: inherit;
  line-height: 1;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
}
.con-year-btn:hover:not(:disabled) { border-color: var(--color-cream); }
.con-year-btn:disabled { opacity: 0.25; cursor: not-allowed; }
.con-year-btn.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-bg);
}

/* ===== BADGE ===== */
.con-badge {
  display: inline-block;
  padding: 8px 16px;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 16px;
}
.con-badge-green  { background: rgba(74,222,128,0.15); color: #4ade80; }
.con-badge-yellow { background: rgba(251,191,36,0.15); color: #fbbf24; }
.con-badge-red    { background: rgba(248,113,113,0.15); color: #f87171; }

/* ===== CALLOUT ===== */
.con-callout {
  background: var(--color-bg);
  border-radius: 8px;
  padding: 16px;
  margin-top: 16px;
  font-size: 0.88rem;
  color: var(--color-body);
  line-height: 1.6;
  border-left: 3px solid var(--color-gold);
}
.con-citation {
  font-size: 0.78rem;
  color: var(--color-muted);
  margin-top: 16px;
  padding-top: 12px;
  border-top: 1px solid var(--color-border);
  line-height: 1.5;
}

/* ===== TABLE ===== */
.con-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  margin-top: 12px;
}
.con-table th {
  text-align: left;
  padding: 8px 10px;
  font-weight: 700;
  color: var(--color-cream);
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
}
.con-table td {
  padding: 7px 10px;
  color: var(--color-body);
  border-bottom: 1px solid rgba(42,42,42,0.4);
}
.con-table tr:last-child td { border-bottom: none; }
.con-table .con-accent { color: var(--color-gold); font-weight: 700; }
.con-table .con-pos    { color: #4ade80; }
.con-table .con-neg    { color: #f87171; }

/* ===== AMORT ===== */
.con-amort-wrap { margin-top: 16px; }
.con-amort-btn {
  background: transparent;
  border: 1px solid var(--color-border);
  color: var(--color-muted);
  padding: 7px 14px;
  border-radius: 6px;
  font-family: inherit;
  font-size: 0.82rem;
  cursor: pointer;
  margin-bottom: 8px;
}
.con-amort-btn:hover { color: var(--color-cream); border-color: var(--color-gold); }
.con-amort-container { display: none; }
.con-amort-container.show { display: block; }
.con-amort-view-btns { display: flex; gap: 6px; margin-bottom: 10px; }
.con-amort-view-btn {
  padding: 4px 10px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 4px;
  font-family: inherit;
  font-size: 0.78rem;
  color: var(--color-muted);
  cursor: pointer;
}
.con-amort-view-btn.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-cream);
  font-weight: 700;
}
.con-amort-table-wrap { max-height: 360px; overflow-y: auto; }

/* ===== PMI NOTICE ===== */
.con-pmi-notice {
  display: none;
  background: rgba(150,123,69,0.12);
  border: 1px solid var(--color-gold);
  border-radius: 6px;
  padding: 10px 14px;
  margin-top: 12px;
  font-size: 0.82rem;
  color: var(--color-body);
}
.con-pmi-notice.show { display: block; }
.con-pmi-notice strong { color: var(--color-cream); }

/* ===== FHA LIMITS TABLE ===== */
.con-fha-limits-search {
  display: flex;
  gap: 10px;
  margin-bottom: 16px;
}
.con-fha-limits-search input {
  flex: 1;
  padding: 8px 12px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 6px;
  color: var(--color-cream);
  font-family: inherit;
  font-size: 0.9rem;
  outline: none;
}
.con-fha-limits-search select {
  padding: 8px 12px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 6px;
  color: var(--color-cream);
  font-family: inherit;
  font-size: 0.9rem;
  outline: none;
  cursor: pointer;
}
.con-fha-table-wrap { max-height: 480px; overflow-y: auto; }

/* ===== SE MULTI-BIZ ===== */
.con-biz-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 16px;
  align-items: center;
}
.con-biz-tab {
  padding: 6px 14px;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: 6px;
  color: var(--color-muted);
  font-family: inherit;
  font-size: 0.82rem;
  cursor: pointer;
  position: relative;
}
.con-biz-tab.active {
  background: var(--color-surface);
  border-color: var(--color-gold);
  color: var(--color-cream);
}
.con-biz-tab-type {
  display: block;
  font-size: 0.7rem;
  color: var(--color-muted);
  margin-top: 1px;
}
.con-biz-remove {
  background: none;
  border: none;
  color: var(--color-muted);
  cursor: pointer;
  font-size: 1rem;
  padding: 0 0 0 6px;
  vertical-align: middle;
  line-height: 1;
}
.con-biz-add {
  padding: 6px 12px;
  background: transparent;
  border: 1px dashed var(--color-border);
  border-radius: 6px;
  color: var(--color-muted);
  font-family: inherit;
  font-size: 0.82rem;
  cursor: pointer;
}
.con-biz-add:hover { border-color: var(--color-gold); color: var(--color-gold); }

/* ===== OIC CARDS ===== */
.con-oic-card {
  background: var(--color-bg);
  border-radius: 8px;
  border: 1px solid var(--color-border);
  margin-bottom: 8px;
  overflow: hidden;
}
.con-oic-card.is-active { border-color: var(--color-gold); }
.con-oic-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  cursor: pointer;
}
.con-oic-header label { cursor: pointer; font-size: 0.85rem; color: var(--color-body); flex: 1; margin: 0; }
.con-oic-body {
  padding: 12px 14px;
  border-top: 1px solid var(--color-border);
}

/* ===== TREND CHIPS ===== */
.con-trend-chip {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
}
.con-trend-up   { background: rgba(74,222,128,0.15); color: #4ade80; }
.con-trend-down { background: rgba(248,113,113,0.15); color: #f87171; }
.con-trend-flat { background: rgba(176,168,152,0.15); color: var(--color-muted); }

/* ===== AGENCY TABLE ===== */
.con-agency-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}
.con-agency-table th, .con-agency-table td {
  padding: 8px 10px;
  border-bottom: 1px solid var(--color-border);
}
.con-agency-table th { color: var(--color-cream); font-weight: 700; background: var(--color-bg); }
.con-agency-table td { color: var(--color-body); }
.con-agency-table .con-agency-note { font-size: 0.75rem; color: var(--color-muted); }

/* ===== WIC RESULTS ===== */
.con-wic-row {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 8px 16px;
  padding: 6px 0;
  border-bottom: 1px solid rgba(42,42,42,0.4);
  align-items: baseline;
  font-size: 0.85rem;
}
.con-wic-label { color: var(--color-body); }
.con-wic-amt   { color: var(--color-cream); font-weight: 700; text-align: right; }
.con-wic-note  { color: var(--color-muted); font-size: 0.75rem; text-align: right; }
.con-wic-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0 4px;
  border-top: 2px solid var(--color-gold);
  margin-top: 8px;
}
.con-wic-total-label { font-weight: 700; color: var(--color-cream); }
.con-wic-total-amt   { font-size: 1.2rem; font-weight: 800; color: var(--color-gold); }

/* ===== FLAG / ALERT ===== */
.con-flag {
  padding: 10px 14px;
  border-radius: 6px;
  margin: 8px 0;
  font-size: 0.82rem;
  line-height: 1.5;
}
.con-flag.declining { background: rgba(248,113,113,0.1); border-left: 3px solid #f87171; color: var(--color-body); }
.con-flag.one-year  { background: rgba(251,191,36,0.1);  border-left: 3px solid #fbbf24; color: var(--color-body); }
.con-flag strong    { color: var(--color-cream); }

/* ===== SECTION CTA ===== */
.con-section-cta {
  margin-top: 32px;
  padding: 24px;
  text-align: center;
  background: var(--color-surface);
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
}

/* ===== PAGE DISCLAIMER ===== */
.con-disclaimer {
  max-width: 1200px;
  margin: 40px auto 20px;
  padding: 16px 20px;
  background: var(--color-surface);
  border-radius: 8px;
  font-size: 0.78rem;
  color: var(--color-muted);
  line-height: 1.6;
  border: 1px solid var(--color-border);
}

/* ===== PAGE CTA ===== */
.con-page-cta {
  max-width: 640px;
  margin: 40px auto;
  padding: 40px 24px;
  text-align: center;
}
.con-page-cta h2 { font-size: 1.4rem; color: var(--color-cream); margin-bottom: 10px; }
.con-page-cta p  { color: var(--color-muted); margin-bottom: 20px; }

/* ===== RADIO TOGGLE ===== */
.con-radio-toggle {
  display: flex;
  gap: 6px;
  margin-bottom: 16px;
}
.con-radio-opt {
  padding: 6px 14px;
  border-radius: 6px;
  border: 1px solid var(--color-border);
  background: var(--color-bg);
  color: var(--color-muted);
  font-family: inherit;
  font-size: 0.82rem;
  cursor: pointer;
}
.con-radio-opt.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-cream);
  font-weight: 700;
}
.con-radio-opt input[type="radio"] { display: none; }

/* ===== BREAKEVEN HIGHLIGHT ===== */
.con-breakeven {
  text-align: center;
  padding: 16px;
  background: var(--color-bg);
  border-radius: 8px;
  margin-bottom: 16px;
}
.con-breakeven-val   { font-size: 2rem; font-weight: 800; color: var(--color-gold); display: block; }
.con-breakeven-label { font-size: 0.85rem; color: var(--color-muted); margin-top: 4px; display: block; }

/* ===== SE HINT ICON ===== */
.se-hint {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: var(--color-muted);
  cursor: help;
  margin-left: 4px;
  vertical-align: middle;
  opacity: 0.7;
  transition: opacity 120ms ease;
  position: relative;
}
.se-hint:hover { opacity: 1; color: var(--color-gold); }
.se-hint::after {
  content: attr(data-hint);
  position: absolute;
  bottom: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  background: #2a2a2a;
  color: var(--color-body);
  font-size: 0.75rem;
  font-weight: 400;
  line-height: 1.4;
  padding: 6px 10px;
  border-radius: 6px;
  border: 1px solid var(--color-border);
  white-space: nowrap;
  pointer-events: none;
  opacity: 0;
  transition: opacity 150ms ease;
  z-index: 100;
  max-width: 260px;
  white-space: normal;
  text-align: left;
  width: max-content;
}
.se-hint:hover::after { opacity: 1; }

/* ===== HIDDEN UTILITY ===== */
.con-hidden { display: none !important; }

/* ===== THREE-COLUMN LAYOUT ===== */
.con-three-col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
@media (max-width: 720px) {
  .con-three-col { grid-template-columns: 1fr; }
}

/* ===== RESULT TOTAL ROW ===== */
.con-result-total {
  border-top: 2px solid var(--color-gold) !important;
  margin-top: 8px;
  padding-top: 10px !important;
}
.con-result-big {
  font-size: 1.2rem;
  color: var(--color-gold);
}

/* ===== SCENARIO CARD SUB-CLASSES ===== */
.con-scenario-label  { display: block; font-size: 0.8rem;  font-weight: 700; color: var(--color-cream); margin-bottom: 6px; }
.con-scenario-big    { display: block; font-size: 1.5rem;  font-weight: 800; color: var(--color-gold);  margin-bottom: 4px; }
.con-scenario-detail { display: block; font-size: 0.77rem; color: var(--color-muted); margin-top: 6px; line-height: 1.4; }
.con-scenario-note   { display: block; font-size: 0.75rem; color: var(--color-muted); margin-top: 6px; font-style: italic; }

/* ===== EMPTY STATE (alias) ===== */
.con-empty-state {
  text-align: center;
  color: var(--color-muted);
  font-size: 0.9rem;
  padding: 32px 20px;
  font-style: italic;
}

/* ===== OIC GRID + TOGGLE ===== */
.con-oic-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
@media (max-width: 600px) {
  .con-oic-grid { grid-template-columns: 1fr; }
}
.con-oic-toggle {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  cursor: pointer;
  font-size: 0.85rem;
  color: var(--color-body);
  width: 100%;
}
.con-oic-toggle input[type="checkbox"] {
  width: 16px;
  height: 16px;
  cursor: pointer;
  accent-color: var(--color-gold);
  flex-shrink: 0;
}

/* ===== OIC RESULTS TABLE ===== */
.oic-rt-scroll { overflow-x: auto; }
.oic-rt { min-width: 500px; font-size: 0.82rem; }
.oic-rt-head, .oic-rt-row, .oic-rt-total {
  display: grid;
  grid-template-columns: 1fr repeat(4, 90px);
  gap: 4px;
  align-items: center;
  padding: 6px 0;
}
.oic-rt-head  { border-bottom: 2px solid var(--color-border); }
.oic-rt-row   { border-bottom: 1px solid rgba(42,42,42,0.4); }
.oic-rt-total { border-top: 2px solid var(--color-gold); margin-top: 4px; }
.oic-rt-prog  { font-size: 0.74rem; font-weight: 700; color: var(--color-cream); text-align: center; }
.oic-rt-prog.is-conv { color: var(--color-gold); }
.oic-rt-label  { color: var(--color-body); }
.oic-rt-method { display: block; font-size: 0.71rem; color: var(--color-muted); }
.oic-rt-amt    { text-align: center; color: var(--color-cream); }
.oic-rt-amt.oic-rt-conv { font-weight: 700; color: var(--color-gold); }
.oic-rt-amt.oic-rt-na   { color: var(--color-muted); }
.oic-rt-grand  { text-align: center; font-weight: 700; color: var(--color-cream); }
.oic-rt-total-label { font-weight: 700; color: var(--color-cream); }

/* ===== TREND BAR (SE Section) ===== */
.con-trend-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 16px;
  border-radius: 6px;
  margin-bottom: 16px;
  font-size: 0.85rem;
  font-weight: 600;
}
.con-trend-bar.up   { background: rgba(74,222,128,0.1); color: #4ade80; border-left: 3px solid #4ade80; }
.con-trend-bar.down { background: rgba(248,113,113,0.1); color: #f87171; border-left: 3px solid #f87171; }
.con-trend-bar.flat { background: rgba(176,168,152,0.1); color: var(--color-muted); border-left: 3px solid var(--color-muted); }

/* ===== LOAN ESTIMATE STYLE (Closing Costs tab) ===== */
.le-wrap { margin-top: 20px; }
.le-section {
  margin-bottom: 10px;
  border: 1px solid var(--color-border);
  border-radius: 6px;
  overflow: hidden;
}
.le-head {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--color-bg);
  padding: 7px 14px;
  border-bottom: 1px solid var(--color-border);
}
.le-letter {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-gold);
  color: #1a1a1a;
  font-size: 0.72rem;
  font-weight: 800;
  flex-shrink: 0;
}
.le-name {
  flex: 1;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-cream);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.le-head-amt {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-gold);
}
.le-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 5px 14px;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  gap: 12px;
}
.le-row:last-child { border-bottom: none; }
.le-row-hidden { display: none; }
.le-label {
  font-size: 0.83rem;
  color: var(--color-muted);
  flex: 1;
}
.le-note {
  font-size: 0.75rem;
  color: var(--color-border);
  font-style: italic;
  margin-left: 4px;
}
.le-amt {
  font-size: 0.87rem;
  font-weight: 600;
  color: var(--color-cream);
  text-align: right;
  white-space: nowrap;
}
.le-grand {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 14px;
  background: var(--color-bg);
  border: 1px solid var(--color-gold);
  border-radius: 6px;
  margin: 12px 0;
  gap: 12px;
}
.le-grand-label {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-cream);
}
.le-grand-sub {
  font-size: 0.75rem;
  font-weight: 400;
  color: var(--color-muted);
}
.le-grand-amt {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-gold);
  white-space: nowrap;
}
.le-ctc {
  border: 1px solid var(--color-border);
  border-radius: 6px;
  overflow: hidden;
}
.le-ctc-head {
  background: var(--color-bg);
  padding: 7px 14px;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-cream);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 1px solid var(--color-border);
}
.le-ctc-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: var(--color-bg);
  border-top: 1px solid var(--color-border);
  font-size: 1rem;
  font-weight: 800;
  color: var(--color-gold);
}