:root {
    --primary-color: #2563eb;
    --primary-dark: #1e40af;
    --secondary-color: #10b981;
    --danger-color: #ef4444;
    --text-primary: #1f2937;
    --text-secondary: #6b7280;
    --bg-primary: #ffffff;
    --bg-secondary: #f9fafb;
    --bg-tertiary: #f3f4f6;
    --border-color: #e5e7eb;
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --radius: 8px;
    --radius-lg: 12px;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-primary);
    background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
    min-height: 100vh;
    padding: 20px;
}

.container {
    max-width: 1400px;
    margin: 0 auto;
    background: var(--bg-primary);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    padding: 36px 32px;
    text-align: center;
}

header h1 {
    font-size: 2.4rem;
    margin-bottom: 12px;
    font-weight: 700;
    letter-spacing: -0.02em;
}

.subtitle {
    font-size: 1.05rem;
    opacity: 0.95;
    line-height: 1.5;
}

/* Calculator Tabs */
.calculator-tabs {
    display: flex;
    background: var(--bg-secondary);
    border-bottom: 2px solid var(--border-color);
    overflow-x: auto;
    padding: 0 20px;
}

.tab-btn {
    padding: 14px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text-secondary);
    border-bottom: 3px solid transparent;
    transition: all 0.3s ease;
    white-space: nowrap;
    letter-spacing: 0.01em;
}

.tab-btn:hover {
    color: var(--primary-color);
    background: var(--bg-tertiary);
}

.tab-btn.active {
    color: var(--primary-color);
    border-bottom-color: var(--primary-color);
    background: var(--bg-primary);
}

/* Tab Content */
.tab-content {
    display: none;
    padding: 20px 24px;
}

.tab-content.active {
    display: block;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 20px;
}

@media (max-width: 1024px) {
    .calculator-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    /* Make all input sections single column on tablets */
    #mortgage-tab .input-section,
    #affordability-tab .input-section,
    #refinance-tab .input-section {
        grid-template-columns: 1fr;
    }
    
    #mortgage-tab .input-group:has(#downPayment),
    #mortgage-tab .input-group:has(#pmi),
    #affordability-tab .input-group:has(#debtToIncome) {
        grid-column: 1;
    }
}

/* Input Section */
.input-section {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--radius-lg);
}

/* Compact grid layout for all input sections */
#mortgage-tab .input-section,
#affordability-tab .input-section,
#refinance-tab .input-section {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px 18px;
    align-content: start;
}

#mortgage-tab .input-section h2,
#affordability-tab .input-section h2,
#refinance-tab .input-section h2,
#mortgage-tab .input-section h3,
#affordability-tab .input-section h3,
#refinance-tab .input-section h3 {
    grid-column: 1 / -1;
}

#mortgage-tab .input-section h2,
#affordability-tab .input-section h2,
#refinance-tab .input-section h2 {
    margin-bottom: 12px;
}

#mortgage-tab .input-section h3,
#affordability-tab .input-section h3,
#refinance-tab .input-section h3 {
    margin-top: 16px;
    margin-bottom: 10px;
}

#mortgage-tab .input-group,
#affordability-tab .input-group,
#refinance-tab .input-group {
    margin-bottom: 0;
}

/* Section dividers span full width */
#mortgage-tab .section-divider,
#affordability-tab .section-divider,
#refinance-tab .section-divider {
    grid-column: 1 / -1;
    margin: 16px 0;
}

/* Make specific fields span both columns where needed */
#affordability-tab .input-group:has(#debtToIncome),
#mortgage-tab .input-group:has(#downPayment),
#mortgage-tab .input-group:has(#pmi) {
    grid-column: 1 / -1;
}

.input-section h2 {
    margin-bottom: 16px;
    color: var(--text-primary);
    font-size: 1.4rem;
    font-weight: 700;
    letter-spacing: -0.01em;
}

.input-section h3 {
    margin-top: 20px;
    margin-bottom: 14px;
    font-size: 1.15rem;
    font-weight: 600;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.input-group {
    margin-bottom: 16px;
}

.input-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--text-primary);
    font-size: 0.95rem;
    line-height: 1.4;
}

.tooltip {
    display: inline-block;
    margin-left: 6px;
    cursor: help;
    font-size: 0.85rem;
    opacity: 0.6;
    position: relative;
}

.tooltip:hover::after {
    content: attr(data-tooltip);
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    background: var(--text-primary);
    color: white;
    padding: 8px 12px;
    border-radius: var(--radius);
    font-size: 0.75rem;
    line-height: 1.4;
    max-width: 280px;
    width: max-content;
    white-space: normal;
    word-wrap: break-word;
    z-index: 1000;
    margin-top: 6px;
    box-shadow: var(--shadow-md);
    text-align: left;
}

.tooltip:hover::before {
    content: '';
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    border: 5px solid transparent;
    border-bottom-color: var(--text-primary);
    z-index: 1000;
    margin-top: 1px;
}

.input-wrapper {
    display: flex;
    align-items: center;
    background: white;
    border: 2px solid var(--border-color);
    border-radius: var(--radius);
    padding: 0 14px;
    transition: all 0.3s ease;
    min-height: 44px;
}

.input-wrapper:focus-within {
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.input-wrapper input {
    flex: 1;
    border: none;
    padding: 10px 8px;
    font-size: 1rem;
    background: transparent;
    color: var(--text-primary);
    outline: none;
    line-height: 1.4;
}

.input-wrapper input[type="month"] {
    padding: 10px 12px;
    width: 100%;
    font-size: 1rem;
}

.currency {
    color: var(--text-secondary);
    font-weight: 600;
    margin-right: 6px;
    font-size: 1rem;
}

.unit {
    color: var(--text-secondary);
    font-weight: 600;
    margin-left: 10px;
    font-size: 1rem;
}

.toggle-group {
    display: flex;
    gap: 8px;
    margin-bottom: 8px;
}

.toggle-btn {
    padding: 6px 16px;
    border: 2px solid var(--border-color);
    background: white;
    border-radius: var(--radius);
    cursor: pointer;
    font-weight: 600;
    transition: all 0.3s ease;
    font-size: 0.9rem;
    min-height: 36px;
}

.toggle-btn:hover {
    border-color: var(--primary-color);
    color: var(--primary-color);
}

.toggle-btn.active {
    background: var(--primary-color);
    color: white;
    border-color: var(--primary-color);
}

.calculated-value {
    margin-top: 6px;
    font-size: 0.9rem;
    color: var(--text-secondary);
    font-weight: 600;
    padding-left: 4px;
}

.input-group small {
    display: block;
    margin-top: 6px;
    color: var(--text-secondary);
    font-size: 0.85rem;
    line-height: 1.4;
    padding-left: 4px;
}

.dti-explanation {
    background: var(--bg-tertiary);
    padding: 8px 12px;
    border-radius: var(--radius);
    border-left: 3px solid var(--primary-color);
    margin-top: 10px;
    font-size: 0.85rem;
    line-height: 1.5;
    color: var(--text-primary);
    display: none;
}

.section-divider {
    height: 2px;
    background: var(--border-color);
    margin: 20px 0;
    border: none;
}

/* Results Section */
.results-section {
    background: white;
    padding: 28px;
    border-radius: var(--radius-lg);
}

.results-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
    flex-wrap: wrap;
    gap: 12px;
}

.results-header h2 {
    color: var(--text-primary);
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: -0.01em;
}

.action-buttons {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.btn-primary,
.btn-secondary {
    padding: 10px 18px;
    border: none;
    border-radius: var(--radius);
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    font-size: 0.9rem;
    line-height: 1.4;
}

.btn-primary {
    background: var(--primary-color);
    color: white;
}

.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-secondary {
    background: var(--bg-tertiary);
    color: var(--text-primary);
    border: 1px solid var(--border-color);
}

.btn-secondary:hover {
    background: var(--bg-secondary);
    border-color: var(--primary-color);
    color: var(--primary-color);
}

/* Summary Cards */
.summary-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
    margin-bottom: 24px;
}

.summary-card {
    background: var(--bg-secondary);
    padding: 20px 18px;
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color);
    transition: all 0.3s ease;
}

.summary-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-color);
}

.summary-card.primary {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    border-color: var(--primary-color);
}

.card-label {
    font-size: 0.9rem;
    opacity: 0.85;
    margin-bottom: 8px;
    font-weight: 600;
    letter-spacing: 0.01em;
}

.card-value {
    font-size: 1.9rem;
    font-weight: 700;
    margin-bottom: 6px;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

.summary-card.primary .card-value {
    color: white;
}

.card-value.savings.negative-savings {
    color: #dc2626;
}

.summary-card.primary .card-value.negative-savings {
    color: #fecaca;
}

.refinance-warning {
    background: #fef2f2;
    border: 2px solid #dc2626;
    border-radius: var(--radius);
    padding: 12px 16px;
    margin-top: 16px;
    color: #991b1b;
    font-size: 0.9rem;
    line-height: 1.5;
}

.card-subtitle {
    font-size: 0.85rem;
    opacity: 0.75;
    margin-top: 4px;
    line-height: 1.4;
}

.savings {
    color: var(--secondary-color);
}

.savings-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
    margin-bottom: 0;
}

.savings-highlight {
    background: linear-gradient(135deg, rgba(16, 185, 129, 0.1) 0%, rgba(16, 185, 129, 0.05) 100%);
    border-color: var(--secondary-color);
}

.savings-highlight:hover {
    border-color: var(--secondary-color);
    box-shadow: 0 4px 12px rgba(16, 185, 129, 0.2);
}

/* Breakdown Section */
.breakdown-section {
    margin-bottom: 28px;
}

.breakdown-section h3 {
    margin-bottom: 16px;
    color: var(--text-primary);
    font-size: 1.3rem;
    font-weight: 700;
    letter-spacing: -0.01em;
    display: flex;
    align-items: center;
    justify-content: space-between;
    cursor: pointer;
    user-select: none;
    padding: 8px 0;
    transition: color 0.2s ease;
}

.breakdown-section h3:hover {
    color: var(--primary-color);
}

.breakdown-section h3 .toggle-icon {
    font-size: 1rem;
    opacity: 0.6;
    transition: transform 0.3s ease;
}

.breakdown-section.collapsed h3 .toggle-icon {
    transform: rotate(-90deg);
}

.breakdown-section.collapsed .breakdown-content {
    display: none;
}

.breakdown-chart,
.chart-container {
    background: var(--bg-secondary);
    padding: 20px;
    border-radius: var(--radius-lg);
    height: 280px;
    position: relative;
    margin-bottom: 0;
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 16px;
}

.info-item {
    display: flex;
    flex-direction: column;
    padding: 16px 18px;
    background: var(--bg-secondary);
    border-radius: var(--radius);
}

.info-label {
    font-size: 1rem;
    color: var(--text-secondary);
    margin-bottom: 12px;
    font-weight: 600;
    line-height: 1.4;
}

.info-value {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-primary);
    line-height: 1.3;
}

/* Table */
.table-container {
    overflow-x: auto;
    border-radius: var(--radius);
    border: 1px solid var(--border-color);
}

table {
    width: 100%;
    border-collapse: collapse;
    background: white;
}

thead {
    background: var(--bg-secondary);
}

th {
    padding: 12px 16px;
    text-align: left;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--text-primary);
    border-bottom: 2px solid var(--border-color);
    letter-spacing: 0.01em;
}

td {
    padding: 10px 16px;
    border-bottom: 1px solid var(--border-color);
    font-size: 0.9rem;
    line-height: 1.5;
}

tbody tr:hover {
    background: var(--bg-secondary);
}

/* Scenario Comparison */
.scenario-comparison {
    padding: 20px;
}

.scenario-comparison h2 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 14px;
    color: var(--text-primary);
    letter-spacing: -0.01em;
}

.scenario-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 16px;
    margin-bottom: 16px;
}

.scenario-card {
    background: var(--bg-secondary);
    padding: 16px;
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color);
}

.scenario-card h3 {
    margin-bottom: 12px;
    color: var(--primary-color);
    font-size: 1.15rem;
    font-weight: 700;
}

.comparison-table {
    margin-top: 12px;
    overflow-x: auto;
}

.comparison-table table {
    width: 100%;
    min-width: 800px;
}

.comparison-table th {
    padding: 8px 12px;
    font-size: 0.85rem;
}

.comparison-table td {
    padding: 8px 12px;
    font-size: 0.85rem;
    line-height: 1.4;
}

.scenario-comparison .btn-primary {
    margin-bottom: 12px;
}

/* Resources Section */
.resources-section {
    padding: 20px;
    max-width: 1200px;
    margin: 0 auto;
}

.resources-intro {
    font-size: 1.1rem;
    color: var(--text-secondary);
    margin-bottom: 32px;
    line-height: 1.6;
}

.resources-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 24px;
    margin-bottom: 32px;
}

.resource-card {
    background: var(--bg-secondary);
    padding: 24px;
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color);
    transition: all 0.3s ease;
}

.resource-card:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.resource-card h3 {
    color: var(--primary-color);
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.3;
}

.resource-card p {
    color: var(--text-primary);
    line-height: 1.7;
    margin-bottom: 12px;
}

.resource-card ul,
.resource-card ol {
    margin: 12px 0;
    padding-left: 24px;
    color: var(--text-primary);
    line-height: 1.7;
}

.resource-card li {
    margin-bottom: 8px;
}

.resource-card li strong {
    color: var(--text-primary);
    font-weight: 600;
}

.term-item {
    margin-bottom: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border-color);
}

.term-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.term-item strong {
    color: var(--primary-color);
    font-weight: 600;
    display: block;
    margin-bottom: 4px;
}

.faq-item {
    margin-bottom: 20px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--border-color);
}

.faq-item:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.faq-item strong {
    color: var(--primary-color);
    font-weight: 600;
    display: block;
    margin-bottom: 8px;
}

.faq-item p {
    margin: 0;
    color: var(--text-primary);
    line-height: 1.7;
}

/* Contact Form */
.contact-form {
    margin: 24px 0;
    padding: 24px;
    background: var(--bg-tertiary);
    border-radius: var(--radius-lg);
    border: 2px solid var(--border-color);
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    color: var(--text-primary);
    font-size: 0.95rem;
}

.required {
    color: #dc2626;
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 14px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius);
    font-size: 1rem;
    font-family: inherit;
    background: white;
    color: var(--text-primary);
    transition: all 0.3s ease;
    box-sizing: border-box;
}

.form-group input[type="text"]:focus,
.form-group input[type="email"]:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23333' d='M6 9L1 4h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 40px;
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
    line-height: 1.6;
}

.form-group button[type="submit"] {
    width: 100%;
    padding: 12px 24px;
    font-size: 1rem;
    font-weight: 600;
}

.form-status {
    margin-top: 12px;
    padding: 12px;
    border-radius: var(--radius);
    font-size: 0.9rem;
    text-align: center;
    display: none;
}

.form-status.success {
    display: block;
    background: #d1fae5;
    color: #065f46;
    border: 2px solid #10b981;
}

.form-status.error {
    display: block;
    background: #fee2e2;
    color: #991b1b;
    border: 2px solid #dc2626;
}

.contact-info {
    margin-top: 32px;
    padding-top: 24px;
    border-top: 2px solid var(--border-color);
}

.contact-info h3 {
    color: var(--primary-color);
    font-size: 1.1rem;
    font-weight: 600;
    margin-top: 20px;
    margin-bottom: 8px;
}

.contact-info h3:first-child {
    margin-top: 0;
}

.scenario-card .input-group {
    margin-bottom: 12px;
}

.scenario-card .input-group label {
    font-size: 0.9rem;
    margin-bottom: 6px;
}

.scenario-card .input-group input {
    width: 100%;
    padding: 8px 10px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius);
    font-size: 0.95rem;
    min-height: 40px;
}

.scenario-card .input-group input:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.scenario-card .remove-scenario {
    margin-top: 12px;
    width: 100%;
    padding: 10px 20px;
    font-size: 0.95rem;
}

/* Footer */
footer {
    background: var(--bg-secondary);
    padding: 28px 24px;
    text-align: center;
    color: var(--text-secondary);
    font-size: 0.9rem;
    line-height: 1.6;
    border-top: 1px solid var(--border-color);
}

.footer-content {
    max-width: 800px;
    margin: 0 auto;
}

.footer-links {
    margin: 16px 0;
}

.footer-links a {
    color: var(--primary-color);
    text-decoration: none;
    transition: color 0.2s ease;
}

.footer-links a:hover {
    color: var(--primary-dark);
    text-decoration: underline;
}

.disclaimer {
    margin-top: 20px;
    font-size: 0.85rem;
    opacity: 0.85;
    line-height: 1.6;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
    padding: 16px;
    background: var(--bg-tertiary);
    border-radius: var(--radius);
    border-left: 4px solid var(--primary-color);
}

/* Modal Styles */
.modal {
    display: none; /* Hidden by default */
    position: fixed;
    z-index: 10000;
    left: 0;
    top: 0;
    width: 100%;
    height: 100%;
    overflow: auto;
    background-color: rgba(0, 0, 0, 0.5);
    backdrop-filter: blur(4px);
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

.modal-content {
    background-color: white;
    margin: 5% auto;
    padding: 32px;
    border-radius: var(--radius-lg);
    width: 90%;
    max-width: 700px;
    max-height: 80vh;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
    position: relative;
}

.close {
    color: var(--text-secondary);
    float: right;
    font-size: 32px;
    font-weight: bold;
    cursor: pointer;
    position: absolute;
    right: 20px;
    top: 20px;
    line-height: 1;
}

.close:hover,
.close:focus {
    color: var(--text-primary);
}

.modal-body {
    margin-top: 20px;
}

.modal-body h3 {
    margin-top: 24px;
    margin-bottom: 12px;
    color: var(--text-primary);
    font-size: 1.2rem;
    font-weight: 700;
}

.modal-body p {
    margin-bottom: 16px;
    line-height: 1.7;
    color: var(--text-primary);
}

/* FAQ Section */
.faq-section {
    max-width: 900px;
    margin: 0 auto;
}

.faq-intro {
    text-align: center;
    color: var(--text-secondary);
    margin-bottom: 32px;
    font-size: 1.05rem;
}

.faq-container {
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.faq-category {
    background: var(--bg-secondary);
    padding: 24px;
    border-radius: var(--radius-lg);
}

.faq-category h3 {
    color: var(--primary-color);
    margin-bottom: 20px;
    font-size: 1.3rem;
    border-bottom: 2px solid var(--border-color);
    padding-bottom: 12px;
}

.faq-item-expandable {
    margin-bottom: 12px;
    border: 1px solid var(--border-color);
    border-radius: var(--radius);
    overflow: hidden;
    background: var(--bg-primary);
    transition: all 0.3s ease;
}

.faq-item-expandable:hover {
    border-color: var(--primary-color);
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    padding: 16px 20px;
    background: none;
    border: none;
    text-align: left;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-primary);
    transition: background 0.2s ease;
}

.faq-question:hover {
    background: var(--bg-secondary);
}

.faq-question span:first-child {
    flex: 1;
    padding-right: 16px;
}

.faq-toggle {
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--primary-color);
    min-width: 24px;
    text-align: center;
    transition: transform 0.3s ease;
}

.faq-item-expandable.active .faq-toggle {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    padding: 0 20px;
}

.faq-item-expandable.active .faq-answer {
    max-height: 1000px;
    padding: 0 20px 20px 20px;
}

.faq-answer p {
    margin-bottom: 12px;
    line-height: 1.7;
    color: var(--text-secondary);
}

.faq-answer p:last-child {
    margin-bottom: 0;
}

.faq-answer ul,
.faq-answer ol {
    margin: 12px 0 12px 20px;
    color: var(--text-secondary);
}

.faq-answer li {
    margin-bottom: 8px;
    line-height: 1.6;
}

.faq-answer strong {
    color: var(--text-primary);
    font-weight: 600;
}

/* Blog Section */
.blog-section {
    max-width: 1200px;
    margin: 0 auto;
}

.blog-intro {
    text-align: center;
    color: var(--text-secondary);
    margin-bottom: 40px;
    font-size: 1.05rem;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 24px;
}

.blog-post {
    background: var(--bg-secondary);
    border-radius: var(--radius-lg);
    padding: 24px;
    border: 1px solid var(--border-color);
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
}

.blog-post:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--primary-color);
    transform: translateY(-2px);
}

.blog-post-header {
    margin-bottom: 16px;
}

.blog-post h3 {
    margin-bottom: 12px;
    font-size: 1.2rem;
    line-height: 1.4;
}

.blog-post h3 a {
    color: var(--text-primary);
    text-decoration: none;
    transition: color 0.2s ease;
}

.blog-post h3 a:hover {
    color: var(--primary-color);
}

.blog-meta {
    font-size: 0.85rem;
    color: var(--text-secondary);
    margin-bottom: 12px;
}

.blog-excerpt {
    flex: 1;
    margin-bottom: 16px;
}

.blog-excerpt p {
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 12px;
}

.blog-excerpt p:last-child {
    margin-bottom: 0;
}

.blog-excerpt strong {
    color: var(--text-primary);
    font-weight: 600;
}

.blog-read-more {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: gap 0.2s ease;
}

.blog-read-more:hover {
    gap: 10px;
}

/* Responsive Design */
@media (max-width: 768px) {
    body {
        padding: 8px;
    }
    
    .calculator-grid {
        gap: 12px;
    }

    header {
        padding: 16px 12px;
    }

    header h1 {
        font-size: 1.6rem;
        margin-bottom: 4px;
    }
    
    .subtitle {
        font-size: 0.85rem;
        margin-top: 4px;
    }

    .tab-content {
        padding: 12px 10px;
    }

    .input-section,
    .results-section {
        padding: 12px 10px;
    }
    
    .input-section h2 {
        font-size: 1.2rem;
        margin-bottom: 10px;
    }
    
    .input-section h3 {
        font-size: 1.05rem;
        margin-top: 12px;
        margin-bottom: 8px;
    }
    
    .results-header h2 {
        font-size: 1.2rem;
        margin-bottom: 12px;
    }
    
    .breakdown-section h3 {
        font-size: 1.05rem;
    }

    .summary-cards {
        grid-template-columns: 1fr;
        gap: 10px;
        margin-bottom: 12px;
    }

    .action-buttons {
        width: 100%;
        gap: 8px;
    }

    .btn-secondary {
        flex: 1;
        padding: 8px 12px;
        font-size: 0.85rem;
    }
    
    .btn-primary {
        padding: 8px 12px;
        font-size: 0.85rem;
    }

    .calculator-tabs {
        padding: 0 8px;
        margin-bottom: 8px;
    }

    .tab-btn {
        padding: 10px 12px;
        font-size: 0.85rem;
        font-weight: 600;
    }
    
    .summary-card {
        padding: 12px 10px;
    }
    
    .card-label {
        font-size: 0.8rem;
        margin-bottom: 4px;
    }
    
    .card-value {
        font-size: 1.4rem;
    }
    
    /* Make all input sections single column on mobile */
    #mortgage-tab .input-section,
    #affordability-tab .input-section,
    #refinance-tab .input-section {
        grid-template-columns: 1fr;
        gap: 10px;
    }
    
    #mortgage-tab .input-group:has(#downPayment),
    #mortgage-tab .input-group:has(#pmi),
    #affordability-tab .input-group:has(#debtToIncome) {
        grid-column: 1;
    }
    
    #mortgage-tab .input-section h2,
    #affordability-tab .input-section h2,
    #refinance-tab .input-section h2 {
        margin-bottom: 8px;
    }
    
    #mortgage-tab .input-section h3,
    #affordability-tab .input-section h3,
    #refinance-tab .input-section h3 {
        margin-top: 10px;
        margin-bottom: 6px;
    }
    
    .input-group {
        margin-bottom: 10px;
    }
    
    .input-group label {
        font-size: 0.85rem;
        margin-bottom: 4px;
    }
    
    .input-wrapper {
        min-height: 40px;
        padding: 0 10px;
    }
    
    .input-wrapper input {
        padding: 8px 6px;
        font-size: 0.95rem;
    }
    
    .section-divider {
        margin: 10px 0;
    }
    
    .calculated-value {
        font-size: 0.85rem;
        margin-top: 4px;
    }
    
    .input-group small {
        font-size: 0.75rem;
        margin-top: 4px;
    }
    
    /* Make tooltips smaller on mobile */
    .tooltip:hover::after {
        max-width: 240px;
        font-size: 0.7rem;
        padding: 8px 12px;
    }
    
    .breakdown-section {
        margin-bottom: 16px;
    }
    
    .breakdown-chart,
    .chart-container {
        height: 200px;
        padding: 12px;
    }
    
    .info-grid {
        gap: 10px;
    }
    
    .info-item {
        padding: 10px 12px;
    }
    
    .info-label {
        font-size: 0.85rem;
        margin-bottom: 6px;
    }
    
    .info-value {
        font-size: 1.1rem;
    }
    
    .scenario-comparison {
        padding: 12px 10px;
    }
    
    .scenario-comparison h2 {
        font-size: 1.2rem;
        margin-bottom: 10px;
    }
    
    .scenario-grid {
        gap: 10px;
        margin-bottom: 12px;
    }
    
    .scenario-card {
        padding: 12px 10px;
    }
    
    .scenario-card h3 {
        font-size: 1.05rem;
        margin-bottom: 8px;
    }
    
    .scenario-card .input-group {
        margin-bottom: 8px;
    }
    
    .scenario-card .input-group label {
        font-size: 0.85rem;
        margin-bottom: 4px;
    }
    
    .scenario-card .input-group input {
        padding: 8px 10px;
        min-height: 38px;
        font-size: 0.9rem;
    }
    
    .comparison-table {
        margin-top: 10px;
    }
    
    .comparison-table th,
    .comparison-table td {
        padding: 6px 8px;
        font-size: 0.75rem;
    }
    
    .refinance-warning {
        padding: 8px 10px;
        font-size: 0.8rem;
        margin-top: 10px;
    }
    
    .resources-section {
        padding: 12px 10px;
    }
    
    .resources-intro {
        font-size: 0.95rem;
        margin-bottom: 20px;
    }
    
    .resources-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .resource-card {
        padding: 16px;
    }
    
    .resource-card h3 {
        font-size: 1.15rem;
        margin-bottom: 12px;
    }
    
    .resource-card p,
    .resource-card ul,
    .resource-card ol {
        font-size: 0.9rem;
    }
    
    .term-item,
    .faq-item {
        margin-bottom: 12px;
        padding-bottom: 12px;
    }
    
    /* FAQ Mobile Styles */
    .faq-category {
        padding: 16px;
    }

    .faq-category h3 {
        font-size: 1.1rem;
    }

    .faq-question {
        padding: 14px 16px;
        font-size: 0.95rem;
    }

    .faq-answer {
        padding: 0 16px;
    }

    .faq-item-expandable.active .faq-answer {
        padding: 0 16px 16px 16px;
    }

    /* Blog Mobile Styles */
    .blog-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .blog-post {
        padding: 20px;
    }

    .blog-post h3 {
        font-size: 1.1rem;
    }
    
    .contact-form {
        padding: 16px;
        margin: 16px 0;
    }
    
    .form-group {
        margin-bottom: 16px;
    }
    
    .form-group input[type="text"],
    .form-group input[type="email"],
    .form-group select,
    .form-group textarea {
        padding: 10px 12px;
        font-size: 0.95rem;
    }
    
    .form-group textarea {
        min-height: 100px;
    }
    
    .contact-info {
        margin-top: 24px;
        padding-top: 16px;
    }
    
    .contact-info h3 {
        font-size: 1rem;
        margin-top: 16px;
    }
}
}

/* Loading Animation */
@keyframes pulse {
    0%, 100% {
        opacity: 1;
    }
    50% {
        opacity: 0.5;
    }
}

.loading {
    animation: pulse 2s cubic-bezier(0.4, 0, 0.6, 1) infinite;
}