/* ============================================================================
   MoneyTool.io — Personal Loan Calculator Stylesheet
   Scope: .personal-loan-calculator-page
   ============================================================================ */

.personal-loan-calculator-page {
    --primary-color: #0f766e;
    --primary-hover: #0d5f59;
    --primary-soft: #ccfbf1;
    --primary-tint: #f0fdfa;

    --link-blue: #1d4ed8;
    --link-blue-hover: #1e40af;
    --link-blue-soft: #dbeafe;
    --link-blue-tint: #eff6ff;

    --text-primary: #0f172a;
    --text-secondary: #334155;
    --text-muted: #64748b;

    --bg-page: #f8fafc;
    --bg-card: #ffffff;
    --bg-soft: #f1f5f9;
    --bg-tint: #f8fafc;

    --border-light: #e2e8f0;
    --border-medium: #cbd5e1;

    --danger: #dc2626;

    --radius-sm: 6px;
    --radius-md: 8px;
    --radius-lg: 12px;

    --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.05);
    --shadow-md: 0 2px 6px rgba(15, 23, 42, 0.06);
    --shadow-lg: 0 6px 20px rgba(15, 23, 42, 0.08);

    --font-base: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

    box-sizing: border-box;
    font-family: var(--font-base);
    color: var(--text-primary);
    background: var(--bg-page);
    line-height: 1.6;
}

.personal-loan-calculator-page *,
.personal-loan-calculator-page *::before,
.personal-loan-calculator-page *::after { box-sizing: inherit; }

/* Breadcrumbs */
.breadcrumb-nav {
    max-width: 1230px;
    width: 100%;
    margin: 0 auto;
    padding: 18px 20px 0;
    box-sizing: border-box;
}
.breadcrumb-list {
    display: flex; flex-wrap: wrap; align-items: center;
    gap: 0; list-style: none; padding: 0; margin: 0;
    font-size: 0.875rem; line-height: 1.4; color: #64748b;
}
.breadcrumb-list li { display: inline-flex; align-items: center; }
.breadcrumb-list li:not(:last-child)::after {
    content: '/'; display: inline-block; margin: 0 8px;
    color: #cbd5e1; user-select: none;
}
.breadcrumb-list a { color: #0f766e; text-decoration: none; font-weight: 500; }
.breadcrumb-list a:hover { color: #0d5f59; text-decoration: underline; }
.breadcrumb-list [aria-current="page"] { color: #334155; font-weight: 600; }

/* App wrapper */
.pl-app-wrapper {
    max-width: 1230px;
    margin: 0 auto;
    padding: 24px 20px 60px;
}

/* Header */
.pl-header {
    text-align: center;
    max-width: 900px;
    margin: 0 auto 32px;
    padding: 8px 0;
}
.pl-eyebrow {
    display: inline-block;
    font-size: 0.75rem; font-weight: 700;
    letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--primary-color); background: var(--primary-soft);
    padding: 6px 14px; border-radius: 999px; margin-bottom: 14px;
}
.pl-header h1 {
    font-size: clamp(1.6rem, 3.2vw, 2.4rem);
    font-weight: 800; line-height: 1.2; letter-spacing: -0.02em;
    color: var(--text-primary); margin: 0 0 14px;
}
.pl-header p {
    font-size: 1.05rem; color: var(--text-secondary);
    line-height: 1.65; max-width: 780px; margin: 0 auto;
}

/* Toolbar */
.pl-toolbar {
    display: flex; flex-wrap: wrap; align-items: center;
    justify-content: space-between; gap: 14px;
    background: var(--bg-card); border: 1px solid var(--border-light);
    border-radius: var(--radius-lg); padding: 14px 18px;
    margin-bottom: 22px; box-shadow: var(--shadow-sm);
}
.toolbar-group { display: flex; align-items: center; gap: 10px; }
.color-label { font-size: 0.875rem; font-weight: 500; color: var(--text-secondary); }
.color-picker-wrapper { position: relative; display: inline-flex; align-items: center; }
.color-picker-input {
    width: 44px; height: 34px; padding: 2px;
    border: 1px solid var(--border-medium);
    border-radius: var(--radius-sm); background: var(--bg-card); cursor: pointer;
}
.toolbar-actions { display: flex; flex-wrap: wrap; gap: 8px; }

/* Buttons */
.personal-loan-calculator-page .btn {
    display: inline-flex; align-items: center; justify-content: center;
    padding: 9px 16px; font-size: 0.875rem; font-weight: 600;
    line-height: 1; border-radius: var(--radius-sm);
    border: 1px solid transparent; cursor: pointer;
    transition: all 0.15s ease; white-space: nowrap; font-family: inherit;
}
.personal-loan-calculator-page .btn:focus-visible { outline: 2px solid var(--primary-color); outline-offset: 2px; }
.personal-loan-calculator-page .btn-primary { background: var(--primary-color); color: #fff; border-color: var(--primary-color); }
.personal-loan-calculator-page .btn-primary:hover { background: var(--primary-hover); border-color: var(--primary-hover); }
.personal-loan-calculator-page .btn-secondary { background: var(--bg-soft); color: var(--text-primary); border-color: var(--border-medium); }
.personal-loan-calculator-page .btn-secondary:hover { background: var(--border-light); }
.personal-loan-calculator-page .btn-outline { background: transparent; color: var(--text-secondary); border-color: var(--border-medium); }
.personal-loan-calculator-page .btn-outline:hover { background: var(--bg-tint); color: var(--primary-color); border-color: var(--primary-color); }
.personal-loan-calculator-page .btn-danger-soft { background: #fef2f2; color: var(--danger); border-color: #fecaca; }
.personal-loan-calculator-page .btn-danger-soft:hover { background: #fee2e2; border-color: #fca5a5; }
.personal-loan-calculator-page .btn:disabled { opacity: 0.6; cursor: not-allowed; }

/* Workspace */
.pl-workspace {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 24px; align-items: flex-start; margin-bottom: 40px;
}

/* Editor */
.editor-column { display: flex; flex-direction: column; gap: 18px; }
.editor-card {
    background: var(--bg-card); border: 1px solid var(--border-light);
    border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm);
}
.card-header {
    background: var(--bg-tint); padding: 14px 18px;
    border-bottom: 1px solid var(--border-light);
}
.card-header h3 {
    font-size: 0.95rem; font-weight: 700;
    letter-spacing: 0.01em; color: var(--text-primary); margin: 0;
}
.card-body {
    padding: 18px; display: grid;
    grid-template-columns: 1fr 1fr; gap: 14px 16px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full-width { grid-column: 1 / -1; }
.form-group label {
    font-size: 0.85rem; font-weight: 600;
    color: var(--text-secondary); letter-spacing: 0.005em;
}
.form-control {
    width: 100%; padding: 10px 12px;
    font-size: 0.95rem; font-family: inherit;
    color: var(--text-primary); background: var(--bg-card);
    border: 1px solid var(--border-medium);
    border-radius: var(--radius-sm);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    -webkit-appearance: none; appearance: none;
}
.form-control:hover { border-color: #94a3b8; }
.form-control:focus {
    outline: none; border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(15, 118, 110, 0.12);
}
textarea.form-control { resize: vertical; min-height: 60px; line-height: 1.5; }
select.form-control {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%2364748b' d='M6 8L0 0h12z'/%3E%3C/svg%3E");
    background-repeat: no-repeat; background-position: right 12px center;
    padding-right: 34px;
}
.form-hint {
    display: block; font-size: 0.78rem; color: var(--text-muted);
    line-height: 1.4; margin: 2px 0 0;
}

/* Preview */
.pl-preview-container { position: sticky; top: 20px; }
.pl-paper {
    background: #fff; border: 1px solid var(--border-light);
    border-radius: var(--radius-lg); overflow: hidden;
    box-shadow: var(--shadow-lg); position: relative;
}
.paper-accent-bar {
    height: 6px; width: 100%; background: var(--primary-color);
}
.paper-header {
    display: flex; justify-content: space-between;
    align-items: flex-start; gap: 14px;
    padding: 18px 22px 14px;
    border-bottom: 1px solid var(--border-light);
}
.doc-title {
    font-size: 1rem; font-weight: 800; letter-spacing: 0.06em;
    color: var(--text-primary); margin: 0 0 3px;
}
.doc-subtitle { font-size: 0.78rem; color: var(--text-muted); margin: 0; }
.paper-meta { text-align: right; font-size: 0.78rem; color: var(--text-muted); line-height: 1.5; }
.meta-line strong { color: var(--text-secondary); font-weight: 600; }

.paper-summary {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 1px; background: var(--border-light);
    border-bottom: 1px solid var(--border-light);
}
.summary-item {
    background: var(--bg-tint); padding: 14px 16px;
    display: flex; flex-direction: column; gap: 4px;
}
.summary-label {
    font-size: 0.72rem; font-weight: 600;
    letter-spacing: 0.04em; text-transform: uppercase;
    color: var(--text-muted);
}
.summary-value { font-size: 0.95rem; font-weight: 700; color: var(--text-primary); }

.paper-results {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 12px; padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}
.result-card {
    background: var(--bg-tint); border: 1px solid var(--border-light);
    border-radius: var(--radius-md); padding: 14px;
    display: flex; flex-direction: column; gap: 6px; text-align: center;
}
.result-card.highlight { background: var(--primary-tint); border-color: var(--primary-soft); }
.result-card.grand { background: #fef9c3; border-color: #fde68a; }
.result-label {
    font-size: 0.72rem; font-weight: 600; letter-spacing: 0.05em;
    text-transform: uppercase; color: var(--text-muted);
}
.result-value {
    font-size: 1.15rem; font-weight: 800;
    color: var(--text-primary); letter-spacing: -0.01em;
}
.result-card.highlight .result-value { color: var(--primary-color); }
.result-card.grand .result-value { color: #92400e; }

.paper-cost-breakdown {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}
.paper-cost-breakdown h4 {
    font-size: 0.85rem; font-weight: 700;
    letter-spacing: 0.03em; text-transform: uppercase;
    color: var(--text-secondary); margin: 0 0 12px;
}
.breakdown-grid {
    display: grid; grid-template-columns: repeat(2, 1fr);
    gap: 10px 20px;
}
.breakdown-item {
    display: flex; justify-content: space-between;
    align-items: baseline; padding: 8px 0;
    border-bottom: 1px dashed var(--border-light);
}
.breakdown-item:last-child { border-bottom: none; }
.breakdown-label { font-size: 0.85rem; color: var(--text-muted); }
.breakdown-value { font-size: 0.9rem; font-weight: 700; color: var(--text-primary); }
.breakdown-value.grand-value { color: var(--primary-color); font-size: 1rem; }

/* APR */
.paper-apr {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}
.apr-box {
    background: var(--primary-tint);
    border: 1px solid var(--primary-soft);
    border-radius: var(--radius-md);
    padding: 16px 18px;
}
.apr-box h4 {
    font-size: 0.8rem; font-weight: 700;
    letter-spacing: 0.04em; text-transform: uppercase;
    color: var(--text-secondary); margin: 0 0 6px;
}
.apr-value {
    font-size: 1.5rem; font-weight: 800;
    color: var(--primary-color); margin: 0 0 6px;
    letter-spacing: -0.02em;
}
.apr-detail {
    font-size: 0.78rem; color: var(--text-muted);
    line-height: 1.5; margin: 0;
}

/* Formula box */
.paper-formula {
    padding: 18px 22px;
    border-bottom: 1px solid var(--border-light);
}
.formula-box {
    background: var(--bg-soft);
    border-left: 3px solid var(--primary-color);
    border-radius: var(--radius-sm);
    padding: 14px 16px;
}
.formula-box h4 {
    font-size: 0.8rem; font-weight: 700;
    letter-spacing: 0.04em; text-transform: uppercase;
    color: var(--text-secondary); margin: 0 0 8px;
}
.formula-box p {
    font-size: 0.83rem; color: var(--text-secondary);
    line-height: 1.55; margin: 0 0 8px;
}
.formula-box p:last-child { margin-bottom: 0; }

/* Notes / signature */
.paper-notes {
    padding: 16px 22px;
    border-bottom: 1px solid var(--border-light);
}
.paper-notes strong {
    display: block; font-size: 0.78rem; font-weight: 700;
    letter-spacing: 0.04em; text-transform: uppercase;
    color: var(--text-muted); margin-bottom: 6px;
}
.paper-notes p {
    font-size: 0.88rem; color: var(--text-secondary);
    margin: 0; line-height: 1.5;
}
.paper-signature-block { padding: 18px 22px 22px; }
.sig-notice {
    font-size: 0.78rem; color: var(--text-muted);
    line-height: 1.5; padding: 10px 12px;
    background: var(--bg-tint);
    border-radius: var(--radius-sm); margin-bottom: 18px;
}
.sig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.sig-item { display: flex; flex-direction: column; gap: 6px; }
.sig-line { border-bottom: 1px solid var(--border-medium); height: 26px; }
.sig-item span {
    font-size: 0.75rem; font-weight: 600;
    letter-spacing: 0.03em; text-transform: uppercase;
    color: var(--text-muted);
}

/* SEO container */
.pl-seo-container {
    display: flex; flex-direction: column;
    gap: 22px; margin-top: 20px;
}
.seo-card {
    background: var(--bg-card); border: 1px solid var(--border-light);
    border-radius: var(--radius-lg); padding: 28px 30px;
    box-shadow: var(--shadow-sm);
}
.seo-eyebrow {
    display: inline-block; font-size: 0.7rem; font-weight: 700;
    letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--primary-color); background: var(--primary-soft);
    padding: 5px 12px; border-radius: 999px; margin-bottom: 12px;
}
.seo-card h2 {
    font-size: clamp(1.25rem, 2.4vw, 1.55rem);
    font-weight: 800; line-height: 1.3;
    letter-spacing: -0.015em; color: var(--text-primary);
    margin: 0 0 14px;
}
.seo-card h3 {
    font-size: 1.05rem; font-weight: 700; line-height: 1.4;
    color: var(--text-primary); margin: 20px 0 8px;
}
.seo-card h4 {
    font-size: 0.95rem; font-weight: 700;
    color: var(--text-primary); margin: 0 0 6px;
}
.seo-card p {
    font-size: 0.95rem; color: var(--text-secondary);
    line-height: 1.7; margin: 0 0 14px;
}
.seo-card p:last-child { margin-bottom: 0; }
.seo-card a {
    color: var(--primary-color); text-decoration: none; font-weight: 500;
    border-bottom: 1px solid rgba(15, 118, 110, 0.25);
    transition: border-color 0.15s ease, color 0.15s ease;
}
.seo-card a:hover { color: var(--primary-hover); border-bottom-color: var(--primary-hover); }
.seo-card strong { color: var(--text-primary); font-weight: 700; }

/* Steps */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 14px; margin-top: 18px;
}
.step-box {
    background: var(--bg-tint); border: 1px solid var(--border-light);
    border-radius: var(--radius-md); padding: 18px 16px;
    transition: border-color 0.15s ease, transform 0.15s ease;
}
.step-box:hover { border-color: var(--primary-soft); transform: translateY(-2px); }
.step-num {
    display: inline-flex; align-items: center; justify-content: center;
    width: 30px; height: 30px; border-radius: 50%;
    background: var(--primary-color); color: #fff;
    font-size: 0.85rem; font-weight: 700; margin-bottom: 10px;
}
.step-box h3 { font-size: 0.95rem; font-weight: 700; color: var(--text-primary); margin: 0 0 6px; }
.step-box p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.55; margin: 0; }

/* Benefits */
.benefits-list {
    list-style: none; padding: 0; margin: 0 0 14px;
    display: flex; flex-direction: column; gap: 10px;
}
.benefits-list li {
    position: relative; padding-left: 26px;
    font-size: 0.92rem; color: var(--text-secondary); line-height: 1.6;
}
.benefits-list li::before {
    content: ''; position: absolute; left: 0; top: 9px;
    width: 14px; height: 8px;
    border-left: 2px solid var(--primary-color);
    border-bottom: 2px solid var(--primary-color);
    transform: rotate(-45deg);
}
.benefits-list strong { color: var(--text-primary); font-weight: 700; }

/* Author */
.author-box {
    border-left: 4px solid var(--primary-color);
    background: var(--bg-tint);
    border-radius: var(--radius-sm);
    padding: 16px 20px; margin: 16px 0;
    font-size: 0.92rem; line-height: 1.6;
    color: var(--text-secondary);
}
.author-box p { margin: 0 0 8px; font-size: 0.92rem; color: var(--text-secondary); }
.author-box p:last-child { margin-bottom: 0; }
.author-box strong { color: var(--text-primary); font-weight: 700; }
.author-box a {
    color: var(--primary-color); font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid rgba(15, 118, 110, 0.3);
}
.author-box a:hover { border-bottom-color: var(--primary-hover); color: var(--primary-hover); }

/* Tips */
.tips-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px; margin-top: 18px;
}
.tip-item {
    background: var(--bg-tint); border: 1px solid var(--border-light);
    border-radius: var(--radius-md); padding: 18px 16px;
    transition: border-color 0.15s ease, transform 0.15s ease;
}
.tip-item:hover { border-color: var(--primary-soft); transform: translateY(-2px); }
.tip-icon { display: inline-block; font-size: 1.5rem; line-height: 1; margin-bottom: 8px; }
.tip-item h4 { font-size: 0.95rem; font-weight: 700; color: var(--text-primary); margin: 0 0 6px; }
.tip-item p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.55; margin: 0; }

/* Related calculators — BLUE */
.tools-link-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 14px; margin-top: 14px;
}
.tool-link-card {
    display: block; background: var(--link-blue-tint);
    border: 1px solid var(--link-blue-soft);
    border-radius: var(--radius-md); padding: 16px 18px;
    text-decoration: none; transition: all 0.15s ease; color: inherit;
}
.tool-link-card:hover {
    border-color: var(--link-blue); background: var(--link-blue-soft);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(29, 78, 216, 0.15);
}
.tool-link-card h4 {
    font-size: 0.95rem; font-weight: 700;
    color: var(--link-blue); margin: 0 0 6px;
    transition: color 0.15s ease;
}
.tool-link-card:hover h4 { color: var(--link-blue-hover); text-decoration: underline; }
.tool-link-card p { font-size: 0.83rem; color: var(--text-muted); line-height: 1.5; margin: 0; }

/* Learning center — BLUE */
.learning-topics-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 14px; margin-top: 14px;
}
.learning-topic-card {
    display: block; background: var(--link-blue-tint);
    border: 1px solid var(--link-blue-soft);
    border-radius: var(--radius-md); padding: 18px;
    text-decoration: none; transition: all 0.15s ease; color: inherit;
}
.learning-topic-card:hover {
    border-color: var(--link-blue); background: var(--link-blue-soft);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(29, 78, 216, 0.15);
}
.topic-icon { display: inline-block; font-size: 1.4rem; line-height: 1; margin-bottom: 8px; }
.learning-topic-card h4 {
    font-size: 0.95rem; font-weight: 700;
    color: var(--link-blue); margin: 0 0 6px;
    transition: color 0.15s ease;
}
.learning-topic-card:hover h4 { color: var(--link-blue-hover); text-decoration: underline; }
.learning-topic-card p { font-size: 0.83rem; color: var(--text-muted); line-height: 1.55; margin: 0; }

/* FAQ */
.faq-item {
    border-top: 1px solid var(--border-light);
    padding: 16px 0;
}
.faq-item:first-of-type { border-top: none; padding-top: 6px; }
.faq-item h3 { font-size: 1rem; font-weight: 700; color: var(--text-primary); margin: 0 0 8px; line-height: 1.45; }
.faq-item p { font-size: 0.92rem; color: var(--text-secondary); line-height: 1.65; margin: 0; }

/* Legal */
.legal-content p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.7; margin: 0 0 14px; }
.legal-note {
    font-size: 0.83rem; color: var(--text-muted);
    line-height: 1.6; background: var(--bg-tint);
    border-left: 3px solid var(--primary-color);
    border-radius: var(--radius-sm);
    padding: 12px 16px; margin-top: 16px;
}
.legal-note strong { color: var(--text-secondary); font-weight: 700; }

/* Responsive */
@media (max-width: 1024px) {
    .pl-workspace { grid-template-columns: 1fr; }
    .pl-preview-container { position: static; }
}
@media (max-width: 640px) {
    .breadcrumb-nav { padding: 14px 16px 0; }
    .breadcrumb-list { font-size: 0.8rem; }
    .breadcrumb-list li:not(:last-child)::after { margin: 0 6px; }
    .card-body { grid-template-columns: 1fr; }
    .paper-results { grid-template-columns: 1fr; }
    .seo-card { padding: 22px 20px; }
}
@media (max-width: 480px) {
    .paper-summary { grid-template-columns: 1fr; }
    .breakdown-grid { grid-template-columns: 1fr; }
}

/* Print */
@media print {
    .pl-toolbar,
    .breadcrumb-nav,
    .pl-seo-container,
    .editor-column { display: none !important; }
    .pl-workspace { display: block; }
    .pl-preview-container { position: static; }
    .pl-paper { box-shadow: none; border: 1px solid #d1d5db; page-break-inside: avoid; }
    .personal-loan-calculator-page { background: #fff; }
    .pl-paper * { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    .personal-loan-calculator-page *,
    .personal-loan-calculator-page *::before,
    .personal-loan-calculator-page *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
    }
    .tool-link-card:hover,
    .learning-topic-card:hover,
    .step-box:hover,
    .tip-item:hover { transform: none; }
}