/* ===== VA LOAN CALCULATOR STYLES ===== */
        .calc-hero {
            background: var(--color-primary);
            color: #fff;
            padding: 2.5rem 1.5rem 2rem;
            text-align: center;
        }
        .calc-hero h1 {
            font-size: clamp(1.5rem, 4vw, 2.25rem);
            margin: 0 0 0.5rem;
            font-weight: 800;
        }
        .calc-hero p {
            opacity: 0.85;
            max-width: 560px;
            margin: 0 auto;
            font-size: 1rem;
            line-height: 1.6;
        }

        .calc-wrapper {
            max-width: 900px;
            margin: 2rem auto;
            padding: 0 1.25rem 4rem;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 1.5rem;
            align-items: start;
        }

        /* Input panel */
        .calc-inputs {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 14px;
            padding: 1.75rem;
        }

        .calc-inputs h2 {
            font-size: 1rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.06em;
            color: var(--color-text-light);
            margin: 0 0 1.25rem;
        }

        .field-group {
            margin-bottom: 1.1rem;
        }

        .field-group label {
            display: block;
            font-size: 0.875rem;
            font-weight: 600;
            color: var(--color-text);
            margin-bottom: 0.35rem;
        }

        .field-group .label-hint {
            font-weight: 400;
            color: var(--color-text-light);
            font-size: 0.8rem;
        }

        .field-group input[type="number"],
        .field-group input[type="range"],
        .field-group select {
            width: 100%;
            font-size: 0.95rem;
            font-family: inherit;
            color: var(--color-text);
            background: var(--color-bg);
            border: 1px solid var(--color-border);
            border-radius: 8px;
            padding: 0.55rem 0.75rem;
            outline: none;
            transition: border-color 0.15s;
        }
        .field-group input:focus,
        .field-group select:focus {
            border-color: var(--color-primary);
        }

        .input-prefix-wrap {
            position: relative;
        }
        .input-prefix-wrap .prefix {
            position: absolute;
            left: 0.75rem;
            top: 50%;
            transform: translateY(-50%);
            color: var(--color-text-light);
            font-size: 0.9rem;
            pointer-events: none;
        }
        .input-prefix-wrap input {
            padding-left: 1.5rem;
        }
        .input-suffix-wrap {
            position: relative;
        }
        .input-suffix-wrap .suffix {
            position: absolute;
            right: 0.75rem;
            top: 50%;
            transform: translateY(-50%);
            color: var(--color-text-light);
            font-size: 0.9rem;
            pointer-events: none;
        }
        .input-suffix-wrap input {
            padding-right: 2rem;
        }

        /* Checkbox field */
        .checkbox-field {
            display: flex;
            align-items: flex-start;
            gap: 0.6rem;
            margin-bottom: 1.1rem;
            padding: 0.75rem 1rem;
            background: var(--color-success-bg);
            border: 1px solid rgba(22,163,74,0.2);
            border-radius: 8px;
        }
        [data-theme="dark"] .checkbox-field {
            background: rgba(22,163,74,0.08);
            border-color: rgba(74,222,128,0.15);
        }
        .checkbox-field input[type="checkbox"] {
            width: 18px; height: 18px;
            margin-top: 1px;
            flex-shrink: 0;
            accent-color: var(--color-success);
            cursor: pointer;
        }
        .checkbox-field label {
            font-size: 0.875rem;
            font-weight: 600;
            color: var(--color-text);
            cursor: pointer;
            line-height: 1.4;
        }
        .checkbox-field .hint {
            font-size: 0.78rem;
            color: var(--color-text-light);
            font-weight: 400;
            display: block;
            margin-top: 2px;
        }

        .section-divider {
            border: none;
            border-top: 1px solid var(--color-border);
            margin: 1.25rem 0;
        }
        .section-label {
            font-size: 0.78rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.07em;
            color: var(--color-text-light);
            margin: 0 0 0.85rem;
        }

        /* Results panel */
        .calc-results {
            display: flex;
            flex-direction: column;
            gap: 1rem;
        }

        /* Main result card */
        .result-main {
            background: var(--color-primary);
            color: #fff;
            border-radius: 14px;
            padding: 1.75rem;
            text-align: center;
        }
        .result-main__label {
            font-size: 0.78rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.08em;
            opacity: 0.75;
            margin-bottom: 0.5rem;
        }
        .result-main__amount {
            font-size: 3.25rem;
            font-weight: 800;
            letter-spacing: -0.02em;
            line-height: 1;
        }
        .result-main__sub {
            font-size: 0.85rem;
            opacity: 0.75;
            margin-top: 0.5rem;
        }

        /* Stats cards */
        .result-stats {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 0.75rem;
        }
        .stat-card {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 10px;
            padding: 1rem;
        }
        .stat-card__label {
            font-size: 0.72rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.06em;
            color: var(--color-text-light);
            margin-bottom: 0.35rem;
        }
        .stat-card__value {
            font-size: 1.35rem;
            font-weight: 800;
            color: var(--color-text);
            letter-spacing: -0.01em;
        }
        .stat-card__sub {
            font-size: 0.75rem;
            color: var(--color-text-light);
            margin-top: 2px;
        }
        .stat-card.accent { border-color: var(--color-primary); }
        .stat-card.accent .stat-card__value { color: var(--color-primary); }
        .stat-card.waived { border-color: #16A34A; background: var(--color-success-bg); }
        .stat-card.waived .stat-card__value { color: #16A34A; }
        [data-theme="dark"] .stat-card.waived { background: rgba(22,163,74,0.08); }

        /* Fee breakdown */
        .fee-breakdown {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 10px;
            padding: 1rem 1.25rem;
        }
        .fee-breakdown__title {
            font-size: 0.78rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.06em;
            color: var(--color-text-light);
            margin-bottom: 0.75rem;
        }
        .fee-row {
            display: flex;
            justify-content: space-between;
            align-items: center;
            font-size: 0.875rem;
            padding: 0.3rem 0;
            border-bottom: 1px solid var(--color-border-light);
        }
        .fee-row:last-child { border-bottom: none; }
        .fee-row__label { color: var(--color-text-light); }
        .fee-row__value { font-weight: 600; color: var(--color-text); }
        .fee-row.total .fee-row__label { font-weight: 700; color: var(--color-text); }
        .fee-row.total .fee-row__value { font-size: 1rem; color: var(--color-primary); }

        /* Affordability note */
        .affordability-note {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-left: 4px solid var(--color-cta);
            border-radius: 0 10px 10px 0;
            padding: 1rem 1.25rem;
            font-size: 0.875rem;
            color: var(--color-text-light);
            line-height: 1.55;
        }
        .affordability-note strong { color: var(--color-text); }
        .affordability-note.good { border-left-color: #16A34A; }
        .affordability-note.caution { border-left-color: #D97706; }
        .affordability-note.high { border-left-color: #DC2626; }

        /* VA info box */
        .va-info-box {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 14px;
            padding: 1.75rem;
            grid-column: 1 / -1;
        }
        .va-info-box h2 {
            font-size: 1.1rem;
            font-weight: 700;
            margin: 0 0 1rem;
        }
        .funding-fee-table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.875rem;
        }
        .funding-fee-table th {
            background: var(--color-primary);
            color: #fff;
            padding: 0.5rem 0.75rem;
            text-align: left;
            font-size: 0.78rem;
            text-transform: uppercase;
            letter-spacing: 0.04em;
        }
        .funding-fee-table td {
            padding: 0.5rem 0.75rem;
            border-bottom: 1px solid var(--color-border);
            color: var(--color-text);
        }
        .funding-fee-table tr:nth-child(even) td {
            background: var(--color-bg);
        }
        .waiver-note {
            margin-top: 1rem;
            padding: 0.75rem 1rem;
            background: var(--color-success-bg);
            border: 1px solid rgba(22,163,74,0.2);
            border-radius: 8px;
            font-size: 0.85rem;
            color: var(--color-text);
            line-height: 1.5;
        }
        [data-theme="dark"] .waiver-note {
            background: rgba(22,163,74,0.08);
        }

        /* Disclaimer */
        .calc-disclaimer {
            grid-column: 1 / -1;
            font-size: 0.78rem;
            color: var(--color-text-light);
            line-height: 1.55;
            text-align: center;
            padding-top: 0.5rem;
        }

        @media (max-width: 680px) {
            .calc-wrapper { grid-template-columns: 1fr; }
            .result-stats { grid-template-columns: 1fr 1fr; }
            .va-info-box { overflow-x: auto; }
        }
        @media (max-width: 420px) {
            .result-stats { grid-template-columns: 1fr; }
        }

        /* ===== PHASE 9 EXTENSIONS: TABS, CHARTS, VERDICT, BAH GAUGE ===== */

        /* Field hint text below inputs */
        .field-hint {
            font-size: 0.76rem;
            color: var(--color-text-light);
            margin-top: 3px;
            line-height: 1.4;
        }

        /* Panel placeholder text */
        .panel-placeholder {
            color: var(--color-text-light);
            font-size: 0.875rem;
            padding: 1.5rem 0;
            text-align: center;
        }

        /* Tab scroll wrapper — enables horizontal scroll on mobile */
        .tab-scroll-wrapper {
            overflow-x: auto;
            -webkit-overflow-scrolling: touch;
            scrollbar-width: none; /* Firefox */
        }
        .tab-scroll-wrapper::-webkit-scrollbar { display: none; }

        /* Tab list container */
        .calc-tabs {
            display: flex;
            flex-direction: row;
            border-bottom: 1px solid var(--color-border);
            border-radius: 12px 12px 0 0;
            gap: 0;
            min-width: max-content;
        }

        /* Individual tab button */
        .calc-tab {
            font-size: 0.85rem;
            font-weight: 600;
            padding: 10px 16px;
            min-height: 44px;
            color: var(--color-text-light);
            background: transparent;
            border: none;
            border-bottom: 2px solid transparent;
            cursor: pointer;
            white-space: nowrap;
            transition: color 0.15s, border-color 0.15s;
            font-family: inherit;
        }
        .calc-tab:hover {
            background: var(--color-bg);
            color: var(--color-text);
        }
        .calc-tab[aria-selected="true"] {
            color: var(--color-primary);
            border-bottom-color: var(--color-accent, var(--color-primary));
            background: transparent;
        }

        /* Tab panels */
        .calc-panel {
            display: none;
            padding: 1.25rem 0 0;
        }
        .calc-panel.active {
            display: block;
        }

        /* Chart containers */
        .chart-container {
            position: relative;
            width: 100%;
            margin-bottom: 1rem;
        }
        .chart-container canvas {
            max-width: 100%;
        }

        /* Loan comparison table */
        .loan-compare-table {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.85rem;
            margin-top: 0.75rem;
        }
        .loan-compare-table th {
            background: var(--color-primary);
            color: #fff;
            padding: 0.6rem 0.75rem;
            text-align: left;
            font-size: 0.75rem;
            text-transform: uppercase;
            letter-spacing: 0.04em;
        }
        .loan-compare-table th.va-header {
            border-left: 4px solid var(--color-accent, #F5A623);
        }
        .loan-compare-table td {
            padding: 0.55rem 0.75rem;
            border-bottom: 1px solid var(--color-border);
            color: var(--color-text);
            vertical-align: middle;
        }
        .loan-compare-table tr:nth-child(even) td {
            background: var(--color-bg);
        }
        .loan-compare-table .row-label {
            font-weight: 600;
            color: var(--color-text-light);
            font-size: 0.78rem;
        }
        .loan-compare-table .best-cell {
            color: #16A34A;
            font-weight: 700;
        }
        .best-badge {
            display: inline-block;
            background: #16A34A;
            color: #fff;
            font-size: 0.65rem;
            font-weight: 700;
            padding: 1px 5px;
            border-radius: 4px;
            margin-left: 4px;
            vertical-align: middle;
            text-transform: uppercase;
            letter-spacing: 0.04em;
        }
        .compare-highlight {
            font-size: 0.85rem;
            color: var(--color-text);
            background: var(--color-success-bg);
            border: 1px solid rgba(22,163,74,0.2);
            border-radius: 8px;
            padding: 0.75rem 1rem;
            margin-top: 0.75rem;
            line-height: 1.5;
        }
        [data-theme="dark"] .compare-highlight {
            background: rgba(22,163,74,0.08);
        }

        /* BAH gauge */
        .bah-gauge-wrap {
            margin: 1rem 0;
        }
        .bah-gauge-label {
            display: flex;
            justify-content: space-between;
            font-size: 0.78rem;
            color: var(--color-text-light);
            margin-bottom: 4px;
        }
        .bah-gauge {
            height: 16px;
            background: var(--color-border);
            border-radius: 8px;
            overflow: hidden;
        }
        .bah-gauge-fill {
            height: 100%;
            border-radius: 8px;
            transition: width 0.4s ease, background 0.4s ease;
        }
        .bah-gauge-fill.good   { background: #16A34A; }
        .bah-gauge-fill.caution { background: #D97706; }
        .bah-gauge-fill.high   { background: #DC2626; }
        .bah-coverage-pct {
            font-size: 2rem;
            font-weight: 800;
            color: var(--color-text);
            margin: 0.5rem 0 0.25rem;
        }
        .bah-summary {
            font-size: 0.875rem;
            color: var(--color-text-light);
            line-height: 1.55;
        }
        .bah-summary strong { color: var(--color-text); }
        .bah-stats {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 0.75rem;
            margin-top: 1rem;
        }

        /* Verdict card */
        .verdict-card {
            background: var(--color-primary);
            color: #fff;
            border-radius: 14px;
            padding: 1.5rem;
            margin-bottom: 1rem;
        }
        .verdict-card.strong-buy  { background: #15803D; }
        .verdict-card.buy         { background: #1D4ED8; }
        .verdict-card.consider    { background: #92400E; }
        .verdict-card.wait        { background: #7C3AED; }
        .verdict-card.rent        { background: #B91C1C; }
        .verdict-headline {
            font-size: 1.25rem;
            font-weight: 800;
            margin: 0 0 0.5rem;
            line-height: 1.2;
        }
        .verdict-body {
            font-size: 0.9rem;
            font-weight: 400;
            line-height: 1.65;
            color: rgba(255,255,255,0.88);
            margin: 0 0 1rem;
        }
        .verdict-factors {
            list-style: none;
            padding: 0;
            margin: 0;
        }
        .verdict-factors li {
            font-size: 0.85rem;
            padding: 0.3rem 0;
            color: rgba(255,255,255,0.9);
            line-height: 1.4;
        }

        /* PCS rental section */
        .pcs-rental-box {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 10px;
            padding: 1rem 1.25rem;
            margin-top: 1rem;
        }
        .pcs-rental-box h4 {
            font-size: 0.85rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.05em;
            color: var(--color-text-light);
            margin: 0 0 0.75rem;
        }

        /* VA Qualification Check sidebar */
        .qa-sidebar {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 10px;
            padding: 1rem 1.25rem;
        }
        .qa-sidebar__title {
            font-size: 0.75rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.06em;
            color: var(--color-text-light);
            margin-bottom: 0.6rem;
        }
        .qa-row {
            display: flex;
            align-items: center;
            gap: 0.5rem;
            padding: 0.35rem 0;
            border-bottom: 1px solid var(--color-border-light);
            font-size: 0.82rem;
        }
        .qa-row:last-child { border-bottom: none; }
        .qa-label {
            flex: 1;
            color: var(--color-text-light);
            font-weight: 500;
        }
        .qa-value {
            font-weight: 600;
            color: var(--color-text);
        }
        .qa-badge {
            display: inline-block;
            padding: 1px 7px;
            border-radius: 20px;
            font-size: 0.68rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.04em;
        }
        .qa-badge.pass { background: rgba(22,163,74,0.15); color: #15803D; }
        .qa-badge.warn { background: rgba(217,119,6,0.15); color: #B45309; }
        .qa-badge.fail { background: rgba(220,38,38,0.12); color: #B91C1C; }
        [data-theme="dark"] .qa-badge.pass { background: rgba(22,163,74,0.2); color: #4ADE80; }
        [data-theme="dark"] .qa-badge.warn { background: rgba(217,119,6,0.2); color: #FCD34D; }
        [data-theme="dark"] .qa-badge.fail { background: rgba(220,38,38,0.18); color: #F87171; }

        /* Advanced analysis toggle */
        .adv-analysis-toggle {
            margin-top: 1rem;
            border: 1px solid var(--color-border);
            border-radius: 8px;
            padding: 0.5rem 1rem;
        }
        .adv-analysis-toggle summary {
            font-size: 0.82rem;
            font-weight: 700;
            color: var(--color-text-light);
            min-height: 36px;
            display: flex;
            align-items: center;
            cursor: pointer;
            list-style: none;
            user-select: none;
        }
        .adv-analysis-toggle summary::-webkit-details-marker { display: none; }
        .adv-analysis-toggle summary::after {
            content: '▼';
            margin-left: auto;
            font-size: 0.65rem;
            transition: transform 0.2s;
        }
        .adv-analysis-toggle[open] summary::after {
            transform: rotate(180deg);
        }
        .adv-analysis-toggle .field-group {
            margin-top: 0.75rem;
        }

        /* Equity snapshot stat cards row */
        .equity-stats {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 0.5rem;
            margin-top: 0.75rem;
        }
        .equity-stat {
            background: var(--color-card);
            border: 1px solid var(--color-border);
            border-radius: 8px;
            padding: 0.65rem 0.75rem;
            text-align: center;
        }
        .equity-stat__year {
            font-size: 0.7rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.05em;
            color: var(--color-text-light);
            margin-bottom: 3px;
        }
        .equity-stat__value {
            font-size: 1rem;
            font-weight: 800;
            color: var(--color-primary);
        }

        /* Buy vs rent summary table */
        .buy-rent-summary {
            width: 100%;
            border-collapse: collapse;
            font-size: 0.85rem;
            margin-top: 0.75rem;
        }
        .buy-rent-summary th {
            background: var(--color-bg);
            padding: 0.5rem 0.75rem;
            text-align: left;
            font-size: 0.75rem;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.04em;
            color: var(--color-text-light);
            border-bottom: 2px solid var(--color-border);
        }
        .buy-rent-summary td {
            padding: 0.45rem 0.75rem;
            border-bottom: 1px solid var(--color-border-light);
            color: var(--color-text);
        }
        .buy-rent-summary .winner-col { color: #16A34A; font-weight: 700; }

        /* Break-even callout */
        .breakeven-callout {
            font-size: 0.9rem;
            padding: 0.75rem 1rem;
            border-radius: 8px;
            margin-bottom: 0.75rem;
            line-height: 1.5;
        }
        .breakeven-callout.positive {
            background: var(--color-success-bg);
            border: 1px solid rgba(22,163,74,0.2);
            color: #15803D;
        }
        .breakeven-callout.negative {
            background: rgba(220,38,38,0.07);
            border: 1px solid rgba(220,38,38,0.2);
            color: #B91C1C;
        }
        [data-theme="dark"] .breakeven-callout.positive { color: #4ADE80; background: rgba(22,163,74,0.1); }
        [data-theme="dark"] .breakeven-callout.negative { color: #F87171; background: rgba(220,38,38,0.1); }

        /* Responsive adjustments */
        @media (max-width: 680px) {
            .calc-tabs { flex-wrap: nowrap; }
            .equity-stats { grid-template-columns: 1fr 1fr; }
            .bah-stats { grid-template-columns: 1fr; }
            .loan-compare-table { font-size: 0.78rem; }
            .loan-compare-table th, .loan-compare-table td { padding: 0.4rem 0.5rem; }
        }

        @media (prefers-reduced-motion: reduce) {
            .calc-tab,
            .bah-gauge-fill,
            .adv-analysis-toggle summary::after {
                transition: none;
            }
        }