/* HELOC Calculator — heloc-calculator.css
   Mobile-first. Scoped to .hc-wrap */

.hc-wrap*,.hc-wrap *::before,.hc-wrap *::after{box-sizing:border-box;margin:0;padding:0}
.hc-wrap{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:#1e293b;max-width:960px;margin:0 auto;background:#fff;border-radius:16px;border:1px solid #e2e8f0;overflow:hidden}

.hc-header{display:flex;align-items:center;gap:14px;padding:20px 24px;background:#1e3a5f}
.hc-header-icon{width:44px;height:44px;background:rgba(255,255,255,.12);border-radius:10px;display:flex;align-items:center;justify-content:center;color:#93c5fd;flex-shrink:0}
.hc-title{font-size:19px;font-weight:700;color:#fff;margin-bottom:3px}
.hc-subtitle{font-size:12.5px;color:#93c5fd}

.hc-body{display:flex;flex-direction:column}
@media(min-width:720px){.hc-body{flex-direction:row;align-items:flex-start}.hc-form{width:50%;border-right:1px solid #e2e8f0}.hc-results{width:50%;position:sticky;top:0;max-height:100vh;overflow-y:auto}}

.hc-form{padding:20px;display:flex;flex-direction:column;gap:14px}
.hc-field{display:flex;flex-direction:column;gap:5px}
.hc-section-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#94a3b8;padding-bottom:4px;border-bottom:1px solid #f1f5f9}
.hc-label{font-size:12px;font-weight:700;color:#334155;text-transform:uppercase;letter-spacing:.04em}
.hc-hint-inline{font-size:11px;font-weight:400;color:#94a3b8;text-transform:none;letter-spacing:0}
.hc-hint{font-size:11.5px;color:#94a3b8}
.hc-row-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:400px){.hc-row-2{grid-template-columns:1fr}}

.hc-prefix-wrap,.hc-suffix-wrap{display:flex;align-items:center;border:1.5px solid #cbd5e1;border-radius:10px;overflow:hidden;background:#f8fafc;transition:border-color .18s}
.hc-prefix-wrap:focus-within,.hc-suffix-wrap:focus-within{border-color:#1e3a5f;background:#fff}
.hc-prefix,.hc-suffix{padding:0 11px;font-size:13px;font-weight:600;color:#64748b;background:#f1f5f9;height:44px;display:flex;align-items:center;flex-shrink:0}
.hc-prefix{border-right:1px solid #e2e8f0}
.hc-suffix{border-left:1px solid #e2e8f0}
.hc-input{flex:1;border:none;background:transparent;padding:0 12px;height:44px;font-size:14px;color:#1e293b;outline:none;-moz-appearance:textfield;min-width:0}
.hc-input::-webkit-outer-spin-button,.hc-input::-webkit-inner-spin-button{-webkit-appearance:none}

.hc-slider-wrap{display:flex;align-items:center;gap:12px}
.hc-slider{flex:1;-webkit-appearance:none;height:4px;background:#e2e8f0;border-radius:4px;outline:none}
.hc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#1e3a5f;cursor:pointer;border:2px solid #fff;box-shadow:0 0 0 2px #1e3a5f}
.hc-slider::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#1e3a5f;cursor:pointer;border:2px solid #fff}
.hc-slider-val{font-size:15px;font-weight:700;color:#1e3a5f;min-width:48px;text-align:right}

.hc-select{width:100%;padding:9px 30px 9px 12px;height:44px;border:1.5px solid #cbd5e1;border-radius:10px;font-size:14px;color:#1e293b;background:#f8fafc;appearance:none;outline: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='%23718096' d='M6 8L1 3h10z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;transition:border-color .18s}
.hc-select:focus{border-color:#1e3a5f;background-color:#fff}

.hc-btn-group{display:grid;gap:8px}
.hc-btn-2{grid-template-columns:1fr 1fr}
.hc-choice{padding:10px 12px;border:1.5px solid #e2e8f0;border-radius:10px;background:#f8fafc;font-size:13px;font-weight:600;color:#475569;cursor:pointer;transition:all .15s;text-align:center}
.hc-choice:hover{border-color:#1e3a5f;color:#1e3a5f}
.hc-choice.active{background:#1e3a5f;border-color:#1e3a5f;color:#fff}

.hc-disclaimer{display:flex;align-items:flex-start;gap:8px;background:#fefce8;border:1px solid #fde047;border-radius:9px;padding:10px 14px;font-size:12px;color:#854d0e;line-height:1.5}
.hc-disclaimer svg{flex-shrink:0;margin-top:1px;color:#ca8a04}

/* Results */
.hc-results{background:#f8fafc;padding:20px}
.hc-placeholder{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:280px;gap:14px;color:#94a3b8;text-align:center}
.hc-placeholder p{font-size:13.5px;line-height:1.6;max-width:220px}

.hc-equity-hero{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:10px;background:#1e3a5f;border-radius:14px;padding:18px;margin-bottom:12px;text-align:center}
.hc-eq-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:#93c5fd;margin-bottom:5px}
.hc-eq-val{font-size:22px;font-weight:800;color:rgba(255,255,255,.8)}
.hc-eq-main{font-size:28px;color:#fff}
.hc-eq-divider{width:1px;height:48px;background:rgba(255,255,255,.15)}

.hc-equity-bar-block{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:14px;margin-bottom:12px}
.hc-eq-bar-label{display:grid;grid-template-columns:1fr 1fr 1fr;font-size:10.5px;color:#94a3b8;font-weight:600;margin-bottom:7px;text-align:center}
.hc-eq-bar-track{display:flex;height:14px;border-radius:8px;overflow:hidden}
.hc-eq-bar-mortgage{background:#ef4444;transition:width .5s ease}
.hc-eq-bar-usable{background:#22c55e;transition:width .5s ease}
.hc-eq-bar-buffer{background:#e2e8f0;transition:width .5s ease}

.hc-payment-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:12px}
@media(max-width:500px){.hc-payment-cards{grid-template-columns:1fr 1fr}}
.hc-pay-card{background:#fff;border:1px solid #e2e8f0;border-radius:10px;padding:12px;text-align:center}
.hc-pay-highlight{border-color:#1e3a5f;background:#eff6ff}
.hc-pay-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#94a3b8;margin-bottom:5px}
.hc-pay-val{font-size:18px;font-weight:800;color:#1e293b}
.hc-pay-highlight .hc-pay-val{color:#1e3a5f;font-size:22px}
.hc-pay-interest{color:#dc2626}
.hc-pay-sub{font-size:11px;color:#94a3b8;margin-top:2px}

.hc-over-limit{display:flex;align-items:flex-start;gap:8px;background:#fff7ed;border:1px solid #fdba74;border-radius:9px;padding:10px 14px;font-size:12.5px;color:#9a3412;margin-bottom:12px;line-height:1.5}
.hc-over-limit svg{flex-shrink:0;margin-top:1px;color:#ea580c}

.hc-summary{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:14px}
.hc-summary-title{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:#94a3b8;margin-bottom:10px}
.hc-sum-row{display:flex;justify-content:space-between;padding:6px 0;font-size:13px;color:#475569;border-bottom:1px solid #f1f5f9}
.hc-sum-row:last-child{border-bottom:none}
.hc-sum-row span:last-child{font-weight:600;color:#1e293b}
.hc-sum-bold{font-weight:700}
.hc-sum-bold span:last-child{color:#1e3a5f;font-size:14px}

@media(max-width:480px){
  .hc-header,.hc-form,.hc-results{padding:14px}
  .hc-title{font-size:17px}
  .hc-equity-hero{grid-template-columns:1fr}
  .hc-eq-divider{width:100%;height:1px}
}