/* =============================================================
   MORTGAGE CALCULATOR
============================================================= */

.mortgage-calculator {
	--mc-accent: var(--color-accent, #d4b978);
	--mc-dark: var(--color-primary-dark, #3d3022);
	--mc-muted: var(--color-text-muted, #6b6358);
	--mc-border: var(--color-border, #e8e0d4);
	--mc-surface: var(--color-white, #fff);
	--mc-bg: var(--color-surface, #faf8f5);
}

.mortgage-calculator--full {
	padding-block: var(--space-2xl);
}

.mortgage-calculator--embedded {
	padding-block: var(--space-xl);
}

.mortgage-calculator__header {
	max-width: 42rem;
	margin-bottom: var(--space-lg);
}

.mortgage-calculator__heading {
	font-family: var(--font-heading);
	font-size: clamp(1.75rem, 3vw, 2.35rem);
	color: var(--mc-dark);
	margin-bottom: var(--space-sm);
}

.mortgage-calculator--embedded .mortgage-calculator__heading {
	font-size: clamp(1.45rem, 2.5vw, 1.85rem);
}

.mortgage-calculator__intro {
	font-size: var(--fs-lg);
	line-height: 1.7;
	color: var(--mc-muted);
	max-width: 40rem;
}

.mortgage-calculator__layout {
	display: grid;
	grid-template-columns: 1fr;
	gap: var(--space-lg);
}

.mortgage-calculator__panel {
	background: var(--mc-surface);
	border: 1px solid var(--mc-border);
	border-radius: var(--radius-md);
	box-shadow: var(--shadow-sm);
}

.mortgage-calculator__panel--inputs {
	padding: clamp(1.25rem, 3vw, 1.75rem);
}

.mortgage-calculator__panel--summary {
	padding: clamp(1.25rem, 3vw, 1.75rem);
	display: flex;
	flex-direction: column;
	gap: var(--space-lg);
}

.mortgage-calculator__fields {
	display: grid;
	gap: var(--space-md);
}

.mortgage-calculator__field-row {
	display: grid;
	grid-template-columns: 1fr;
	gap: var(--space-md);
}

.mortgage-calculator__field label {
	display: flex;
	align-items: center;
	gap: 0.5rem;
	font-size: var(--fs-sm);
	font-weight: 600;
	color: var(--mc-dark);
	margin-bottom: 0.45rem;
}

.mortgage-calculator__input-wrap {
	display: flex;
	align-items: center;
	border: 1px solid var(--mc-border);
	border-radius: var(--radius-sm);
	background: var(--mc-bg);
	overflow: hidden;
	transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.mortgage-calculator__input-wrap:focus-within {
	border-color: var(--mc-accent);
	box-shadow: 0 0 0 3px rgba(212, 185, 120, 0.22);
}

.mortgage-calculator__prefix,
.mortgage-calculator__suffix {
	padding-inline: 0.75rem;
	font-size: var(--fs-sm);
	color: var(--mc-muted);
	background: rgba(61, 48, 34, 0.04);
	flex-shrink: 0;
}

.mortgage-calculator__input-wrap input,
.mortgage-calculator__input-wrap select,
.mortgage-calculator__field select {
	width: 100%;
	min-height: 3rem;
	padding: 0.75rem 0.85rem;
	border: 0;
	background: transparent;
	font: inherit;
	color: var(--mc-dark);
}

.mortgage-calculator__input-wrap input[readonly] {
	color: var(--mc-muted);
	cursor: default;
}

.mortgage-calculator__field select {
	border: 1px solid var(--mc-border);
	border-radius: var(--radius-sm);
	background: var(--mc-bg);
	min-height: 3rem;
}

.mortgage-calculator__hint {
	display: block;
	margin-top: 0.35rem;
	font-size: 0.82rem;
	color: var(--mc-muted);
	line-height: 1.45;
}

.mortgage-calculator__hint--rate-note {
	font-size: 0.78rem;
	font-style: italic;
}

.mortgage-calculator__advanced {
	margin-top: var(--space-sm);
	border-top: 1px solid var(--mc-border);
	padding-top: var(--space-sm);
}

.mortgage-calculator__advanced-toggle {
	cursor: pointer;
	font-weight: 600;
	color: var(--mc-dark);
	padding: 0.65rem 0;
	list-style: none;
}

.mortgage-calculator__advanced-toggle::-webkit-details-marker {
	display: none;
}

.mortgage-calculator__advanced[open] .mortgage-calculator__advanced-toggle {
	margin-bottom: var(--space-sm);
}

.mortgage-calculator__pmi-note {
	font-size: var(--fs-sm);
	color: var(--mc-muted);
	margin: 0;
}

.mortgage-calculator__payment-card {
	padding: clamp(1.1rem, 2.5vw, 1.5rem);
	border-radius: var(--radius-md);
	background: linear-gradient(145deg, rgba(61, 48, 34, 0.97) 0%, rgba(42, 34, 24, 0.98) 100%);
	color: var(--color-white);
}

.mortgage-calculator__payment-label {
	font-size: var(--fs-sm);
	text-transform: uppercase;
	letter-spacing: 0.12em;
	color: rgba(255, 255, 255, 0.72);
	margin-bottom: 0.5rem;
}

.mortgage-calculator__payment-total-wrap {
	margin: 0 0 var(--space-sm);
}

.mortgage-calculator__payment-total {
	display: block;
	font-family: var(--font-heading);
	font-size: clamp(2.75rem, 8vw, 4.25rem);
	font-weight: 700;
	line-height: 1.05;
	letter-spacing: -0.02em;
	color: var(--mc-accent);
}

.mortgage-calculator__payment-exclusion-note {
	margin: 0 0 var(--space-md);
	font-size: 0.85rem;
	line-height: 1.5;
	color: rgba(255, 255, 255, 0.78);
	max-width: 28rem;
}

.mortgage-calculator__price-notice {
	font-size: var(--fs-sm);
	line-height: 1.55;
	color: rgba(255, 255, 255, 0.88);
	margin: 0 0 var(--space-md);
	max-width: 28rem;
}

.mortgage-calculator__payment-card.is-inactive .mortgage-calculator__viz,
.mortgage-calculator__payment-card.is-inactive .mortgage-calculator__breakdown,
.mortgage-calculator__payment-card.is-inactive .mortgage-calculator__pmi-status {
	opacity: 0.5;
}

.mortgage-calculator__viz {
	margin-bottom: var(--space-md);
}

.mortgage-calculator__viz-bar {
	display: block;
	width: 100%;
	height: 0.75rem;
	border-radius: 999px;
	overflow: hidden;
	background: rgba(255, 255, 255, 0.12);
}

.mortgage-calculator__breakdown,
.mortgage-calculator__loan-stats {
	margin: 0;
}

.mortgage-calculator__breakdown-row,
.mortgage-calculator__loan-stat {
	display: flex;
	justify-content: space-between;
	align-items: baseline;
	gap: var(--space-sm);
	padding-block: 0.45rem;
	border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.mortgage-calculator__loan-stat {
	border-bottom-color: var(--mc-border);
}

.mortgage-calculator__breakdown-row:last-child {
	border-bottom: 0;
}

.mortgage-calculator__breakdown-row--pmi {
	transition:
		opacity 0.25s ease,
		max-height 0.25s ease,
		padding 0.25s ease,
		border-color 0.25s ease;
	max-height: 3.5rem;
	overflow: hidden;
}

.mortgage-calculator__breakdown-row--pmi.is-collapsed {
	opacity: 0;
	max-height: 0;
	padding-block: 0;
	border-bottom-color: transparent;
	pointer-events: none;
}

.mortgage-calculator__breakdown-row--total {
	margin-top: 0.35rem;
	padding-top: 0.65rem;
	border-top: 1px solid rgba(255, 255, 255, 0.18);
	border-bottom: 0;
}

.mortgage-calculator__breakdown-row--total dt,
.mortgage-calculator__breakdown-row--total dd {
	font-weight: 700;
	color: rgba(255, 255, 255, 0.95);
}

.mortgage-calculator__pmi-status {
	font-size: 0.82rem;
	color: rgba(255, 255, 255, 0.72);
	margin: 0.35rem 0 0;
	font-style: italic;
	transition: opacity 0.25s ease;
}

.mortgage-calculator__breakdown-row dt,
.mortgage-calculator__loan-stat dt {
	margin: 0;
	font-size: var(--fs-sm);
	color: rgba(255, 255, 255, 0.82);
}

.mortgage-calculator__loan-stat dt {
	color: var(--mc-muted);
}

.mortgage-calculator__breakdown-row dd,
.mortgage-calculator__loan-stat dd {
	margin: 0;
	font-weight: 600;
}

.mortgage-calculator__loan-summary-title {
	font-family: var(--font-heading);
	font-size: 1.15rem;
	margin-bottom: var(--space-sm);
	color: var(--mc-dark);
}

.mortgage-calculator__cta {
	margin-top: var(--space-lg);
	padding: var(--space-lg);
	border: 1px solid var(--mc-border);
	border-radius: var(--radius-md);
	background: var(--mc-bg);
	text-align: center;
}

.mortgage-calculator__cta-title {
	font-family: var(--font-heading);
	font-size: 1.25rem;
	margin-bottom: var(--space-xs);
	color: var(--mc-dark);
}

.mortgage-calculator__cta-copy {
	color: var(--mc-muted);
	margin-bottom: var(--space-md);
	max-width: 34rem;
	margin-inline: auto;
}

.mortgage-calculator__disclaimer {
	margin-top: var(--space-md);
	font-size: 0.82rem;
	line-height: 1.55;
	color: var(--mc-muted);
}

.mortgage-page__intro {
	max-width: 42rem;
	margin-bottom: var(--space-xl);
}

.mortgage-page__intro p {
	font-size: var(--fs-lg);
	line-height: 1.7;
	color: var(--mc-muted);
}

.mortgage-page__cta {
	margin-top: var(--space-2xl);
	padding: var(--space-xl);
	border-radius: var(--radius-md);
	background: var(--gradient-tan);
	text-align: center;
}

.mortgage-page__cta h2 {
	font-family: var(--font-heading);
	margin-bottom: var(--space-sm);
}

.mortgage-page__cta p {
	color: var(--mc-muted);
	margin-bottom: var(--space-md);
}

.page-hero--mortgage {
	min-height: clamp(260px, 38vh, 420px);
	padding: calc(var(--header-height) + var(--space-md)) var(--container-padding) var(--space-md);
}

.page-hero--mortgage .page-hero__media {
	background-image:
		var(--gradient-hero-overlay),
		linear-gradient(180deg, rgba(61, 48, 34, 0.38) 0%, rgba(26, 22, 16, 0.55) 100%),
		url('/img/lifestyle-idaho.webp');
	background-position: center 18%;
	transform-origin: center 18%;
}

@media (max-width: 767px) {
	.page-hero--mortgage .page-hero__media {
		background-position: center 14%;
		transform-origin: center 14%;
	}
}

.mls-property-mortgage {
	background: var(--color-bg);
}

@media (min-width: 768px) {
	.mortgage-calculator__field-row {
		grid-template-columns: repeat(2, minmax(0, 1fr));
	}
}

@media (min-width: 1024px) {
	.mortgage-calculator__layout {
		grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
		align-items: start;
	}
}

@media (max-width: 1023px) {
	.mortgage-calculator__layout {
		display: flex;
		flex-direction: column;
	}

	.mortgage-calculator__panel--summary {
		order: -1;
	}
}

@media (max-width: 767px) {
	.mortgage-calculator__advanced:not([open]) .mortgage-calculator__fields--primary {
		margin-bottom: 0;
	}

	.mortgage-calculator__input-wrap input,
	.mortgage-calculator__input-wrap select,
	.mortgage-calculator__field select {
		min-height: 3.25rem;
		font-size: 1rem;
	}
}