/* ===== RESET ===== */
.va-wrap *, .va-wrap *::before, .va-wrap *::after { box-sizing: border-box; margin: 0; padding: 0; }

/* ===== BASE ===== */
.va-wrap {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: clamp(13px, 1.5vw, 15px);
  color: #1e293b; max-width: 1060px; margin: 0 auto;
  background: #fff; border: 1px solid #e2e8f0;
  border-radius: 16px; overflow: hidden;
}

/* ===== HEADER ===== */
.va-header {
  padding: clamp(14px, 2vw, 22px) clamp(14px, 2.5vw, 24px);
  background: #1e3a5f;
  display: flex; align-items: center; gap: clamp(10px, 1.5vw, 14px);
}
.va-header-icon {
  width: clamp(40px, 5vw, 50px); height: clamp(40px, 5vw, 50px);
  border-radius: 12px; background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  color: #fbbf24; flex-shrink: 0;
}
.va-title    { font-size: clamp(16px, 2vw, 20px); font-weight: 700; color: #fff; margin-bottom: 3px; }
.va-subtitle { font-size: clamp(11px, 1.3vw, 13px); color: rgba(255,255,255,0.7); line-height: 1.4; }

/* ===== BODY — default stacked ===== */
.va-body    { display: flex; flex-direction: column; }
.va-form    { padding: 16px; display: flex; flex-direction: column; gap: 13px; width: 100%; }
.va-results { padding: 16px; display: flex; flex-direction: column; gap: 12px; background: #f0f6ff; width: 100%; border-top: 1px solid #e2e8f0; }

/* ===== SECTION LABELS ===== */
.va-section-label {
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .07em; color: #64748b;
  padding-bottom: 4px; border-bottom: 1px solid #f1f5f9;
  margin-top: 2px;
}

/* ===== FIELDS ===== */
.va-field     { display: flex; flex-direction: column; gap: 6px; }
.va-label     { font-size: 13px; font-weight: 600; color: #334155; }
.va-label-row { display: flex; justify-content: space-between; align-items: center; gap: 8px; flex-wrap: wrap; }
.va-field-hint { font-size: 12px; color: #64748b; line-height: 1.5; }

/* ===== INPUTS ===== */
.va-prefix-wrap, .va-suffix-wrap {
  display: flex; align-items: center;
  border: 1.5px solid #cbd5e1; border-radius: 8px;
  overflow: hidden; background: #f8fafc; min-width: 0;
}
.va-prefix-wrap:focus-within, .va-suffix-wrap:focus-within { border-color: #1e3a5f; background: #fff; }
.va-prefix, .va-suffix {
  padding: 0 10px; height: 42px;
  display: flex; align-items: center;
  font-size: 14px; font-weight: 600; color: #64748b;
  background: #f1f5f9; white-space: nowrap; flex-shrink: 0;
}
.va-prefix { border-right: 1px solid #e2e8f0; }
.va-suffix { border-left: 1px solid #e2e8f0; }
.va-input {
  flex: 1; border: none; background: transparent;
  padding: 0 12px; height: 42px;
  font-size: 14px; color: #1e293b; outline: none; min-width: 0;
  -moz-appearance: textfield;
}
.va-input::-webkit-outer-spin-button,
.va-input::-webkit-inner-spin-button { -webkit-appearance: none; }

/* ===== ROW 2 — default 1 col ===== */
.va-row-2 { display: grid; grid-template-columns: 1fr; gap: 10px; }

/* ===== SERVICE BUTTONS ===== */
.va-service-group { display: grid; grid-template-columns: repeat(2,1fr); gap: 7px; }
.va-service-btn {
  padding: 10px 8px; border: 1.5px solid #e2e8f0;
  border-radius: 9px; background: #f8fafc;
  font-size: 12.5px; font-weight: 600; color: #475569;
  cursor: pointer; transition: all .15s; text-align: center; white-space: nowrap;
}
.va-service-btn.active { background: #1e3a5f; border-color: #1e3a5f; color: #fff; }
.va-service-btn:hover:not(.active) { border-color: #1e3a5f; color: #ffffff; }

/* ===== USE BUTTONS ===== */
.va-use-group { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; }
.va-use-btn {
  padding: 10px 8px; border: 1.5px solid #e2e8f0;
  border-radius: 9px; background: #f8fafc;
  font-size: 13px; font-weight: 600; color: #475569;
  cursor: pointer; transition: all .15s;
}
.va-use-btn.active { background: #1e3a5f; border-color: #1e3a5f; color: #fff; }
.va-use-btn:hover:not(.active) { border-color: #1e3a5f; color: #ffffff; }

/* ===== TERM BUTTONS ===== */
.va-btn-group { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; }
.va-term-btn {
  padding: 10px 0; border: 1.5px solid #cbd5e1;
  border-radius: 8px; font-size: 13px; font-weight: 600;
  cursor: pointer; background: #f8fafc; color: #475569; transition: all .15s;
}
.va-term-btn.active { background: #1e3a5f; border-color: #1e3a5f; color: #fff; }
.va-term-btn:hover:not(.active) { border-color: #1e3a5f; color: #ffffff; }

/* ===== FEE BUTTONS ===== */
.va-fee-group { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; }
.va-fee-btn {
  padding: 10px 0; border: 1.5px solid #cbd5e1;
  border-radius: 8px; font-size: 13px; font-weight: 600;
  cursor: pointer; background: #f8fafc; color: #475569; transition: all .15s;
}
.va-fee-btn.active { background: #1e3a5f; border-color: #1e3a5f; color: #fff; }
.va-fee-btn:hover:not(.active) { border-color: #1e3a5f; color: #ffffff; }

/* ===== TOGGLE ===== */
.va-toggle { position: relative; display: inline-block; width: 44px; height: 24px; cursor: pointer; flex-shrink: 0; }
.va-toggle input { opacity: 0; width: 0; height: 0; }
.va-toggle-track { position: absolute; inset: 0; background: #cbd5e1; border-radius: 24px; transition: .2s; }
.va-toggle input:checked + .va-toggle-track { background: #1e3a5f; }
.va-toggle-thumb { position: absolute; top: 3px; left: 3px; width: 18px; height: 18px; border-radius: 50%; background: #fff; transition: .2s; box-shadow: 0 1px 3px rgba(0,0,0,.2); }
.va-toggle input:checked + .va-toggle-track .va-toggle-thumb { left: 23px; }

/* ===== EXEMPT OPTIONS ===== */
.va-exempt-grid {
  display: flex; flex-direction: column; gap: 6px; margin-bottom: 8px;
}
.va-exempt-btn {
  padding: 10px 12px; border: 1.5px solid #e2e8f0;
  border-radius: 8px; background: #f8fafc;
  font-size: 12.5px; font-weight: 600; color: #475569;
  cursor: pointer; text-align: left; transition: all .15s;
}
.va-exempt-btn.active { background: #1e3a5f; border-color: #1e3a5f; color: #fff; }
.va-exempt-btn:hover:not(.active) { border-color: #1e3a5f; color: #ffffff; }
.va-exempt-badge {
  display: flex; align-items: center; gap: 7px;
  background: #dcfce7; border: 1px solid #86efac;
  border-radius: 8px; padding: 10px 14px;
  font-size: 13px; font-weight: 700; color: #15803d;
}

/* ===== DISCLAIMER ===== */
.va-disclaimer {
  background: #fefce8; border: 1px solid #fde68a;
  border-radius: 8px; padding: 12px 14px;
  font-size: 12px; color: #78350f; line-height: 1.5;
}

/* ===== HERO CARD ===== */
.va-hero-card {
  background: #1e3a5f; border-radius: 14px;
  padding: clamp(16px, 2vw, 22px) 20px; text-align: center; color: #fff;
}
.va-hero-label  { font-size: 12px; font-weight: 600; opacity: .7; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 6px; }
.va-hero-amount { font-size: clamp(36px, 5vw, 46px); font-weight: 800; line-height: 1; color: #fbbf24; }
.va-hero-sub    { font-size: 12px; opacity: .65; margin-top: 6px; }

/* ===== FUNDING FEE CARD ===== */
.va-fee-card {
  display: flex; align-items: stretch; gap: 0;
  border-radius: 12px; overflow: hidden; border: 1.5px solid #e2e8f0;
}
.va-fee-left {
  background: #1e3a5f; color: #fff;
  padding: 14px 18px; text-align: center;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  min-width: 130px; flex-shrink: 0;
}
.va-fee-right { flex: 1; padding: 14px 16px; display: flex; flex-direction: column; justify-content: center; gap: 4px; }
.va-fee-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; opacity: .7; margin-bottom: 4px; }
.va-fee-val   { font-size: 24px; font-weight: 800; line-height: 1; }
.va-fee-rate  { font-size: 12px; opacity: .7; margin-top: 3px; }
.va-fee-status { font-size: 14px; font-weight: 700; color: #1e293b; }
.va-fee-sub    { font-size: 12px; color: #64748b; }

/* ===== EXEMPT BANNER ===== */
.va-exempt-banner {
  display: flex; align-items: flex-start; gap: 14px;
  background: #f0fdf4; border: 2px solid #86efac;
  border-radius: 12px; padding: 16px;
}
.va-exempt-icon  { font-size: 28px; flex-shrink: 0; }
.va-exempt-title { font-size: 14px; font-weight: 800; color: #15803d; margin-bottom: 3px; }
.va-exempt-saved { font-size: 22px; font-weight: 800; color: #15803d; }
.va-exempt-note  { font-size: 12px; color: #166534; margin-top: 3px; }

/* ===== BREAKDOWN CARD ===== */
.va-breakdown-card {
  background: #fff; border: 1px solid #e2e8f0;
  border-radius: 12px; padding: 14px 16px;
}
.va-breakdown-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: #94a3b8; margin-bottom: 10px; }
.va-breakdown-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 7px 0; font-size: 13px; color: #475569;
  border-bottom: 1px solid #f1f5f9;
}
.va-breakdown-row:last-child { border-bottom: none; }
.va-bk-val       { font-weight: 600; color: #1e293b; }
.va-bk-highlight { background: #f0fdf4; margin: 0 -4px; padding: 8px 4px; border-radius: 6px; }
.va-green { color: #16a34a; }
.va-red   { color: #dc2626; }

/* ===== COMPARE CARD ===== */
.va-compare-card {
  background: #fff; border: 1.5px solid #bfdbfe;
  border-radius: 12px; padding: 16px;
}
.va-compare-title { font-size: 13px; font-weight: 700; color: #1e3a5f; margin-bottom: 3px; }
.va-compare-hint  { font-size: 12px; color: #64748b; margin-bottom: 12px; }
.va-compare-grid  { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 12px; }
.va-compare-col   { border-radius: 10px; padding: 14px 12px; text-align: center; }
.va-col-va        { background: #eff6ff; border: 1.5px solid #93c5fd; }
.va-col-conv      { background: #f8fafc; border: 1.5px solid #e2e8f0; }
.va-col-header    { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: #64748b; margin-bottom: 5px; }
.va-col-amount    { font-size: 22px; font-weight: 800; color: #1e293b; }
.va-col-sub       { font-size: 11px; color: #64748b; margin-top: 4px; }
.va-savings-rows  { border-top: 1px solid #e2e8f0; padding-top: 10px; display: flex; flex-direction: column; gap: 7px; }
.va-savings-row   { display: flex; justify-content: space-between; font-size: 13px; color: #475569; }
.va-savings-total { font-size: 14px; padding-top: 8px; border-top: 1px solid #e2e8f0; }

/* ===== STATS GRID ===== */
.va-stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; }
.va-stat { background: #fff; border: 1px solid #e2e8f0; border-radius: 10px; padding: 12px 14px; }
.va-stat-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: #94a3b8; margin-bottom: 4px; }
.va-stat-val   { font-size: clamp(13px, 1.5vw, 16px); font-weight: 700; color: #1e293b; }
.va-stat-sub   { font-size: 11px; color: #94a3b8; margin-top: 2px; }

/* ===== JUMBO CARD ===== */
.va-jumbo-card {
  display: flex; align-items: flex-start; gap: 12px;
  background: #fff7ed; border: 1.5px solid #fed7aa;
  border-radius: 12px; padding: 14px 16px;
}
.va-jumbo-icon  { font-size: 22px; flex-shrink: 0; }
.va-jumbo-title { font-size: 13px; font-weight: 700; color: #c2410c; margin-bottom: 4px; }
.va-jumbo-text  { font-size: 13px; color: #9a3412; line-height: 1.5; }

/* ==============================================
   SCREEN 1 — MOBILE: max 480px
   ============================================== */
@media (max-width: 480px) {
  .va-wrap { font-size: 13px; border-radius: 12px; }
  .va-header { padding: 14px; gap: 10px; }
  .va-header-icon { width: 38px; height: 38px; }
  .va-title { font-size: 15px; }
  .va-subtitle { font-size: 11px; }
  .va-form, .va-results { padding: 14px; gap: 12px; }
  .va-body { flex-direction: column; }
  .va-row-2 { grid-template-columns: 1fr; }
  .va-service-group { grid-template-columns: 1fr 1fr; }
  .va-stats-grid { grid-template-columns: 1fr; }
  .va-compare-grid { grid-template-columns: 1fr; }
  .va-hero-amount { font-size: 32px; }
  .va-fee-card { flex-direction: column; }
  .va-fee-left { min-width: unset; flex-direction: row; gap: 16px; justify-content: flex-start; }
}

/* ==============================================
   SCREEN 2 — TABLET: 481px – 899px
   ============================================== */
@media (min-width: 481px) and (max-width: 899px) {
  .va-wrap { font-size: 14px; }
  .va-header { padding: 18px 20px; }
  .va-form, .va-results { padding: 18px; gap: 14px; }
  .va-body { flex-direction: column; }
  .va-results { border-top: 1px solid #e2e8f0; }
  .va-row-2 { grid-template-columns: 1fr 1fr; }
  .va-service-group { grid-template-columns: repeat(4,1fr); }
  .va-stats-grid { grid-template-columns: repeat(4,1fr); }
  .va-compare-grid { grid-template-columns: 1fr 1fr; }
  .va-hero-amount { font-size: 40px; }
}

/* ==============================================
   SCREEN 3 — DESKTOP: 900px+
   ============================================== */
@media (min-width: 900px) {
  .va-wrap { font-size: 15px; }
  .va-header { padding: 22px 24px; }
  .va-form, .va-results { padding: 20px; gap: 14px; }
  .va-body { flex-direction: row; align-items: flex-start; }
  .va-form { width: 50%; border-right: 1px solid #e2e8f0; border-top: none; }
  .va-results { width: 50%; border-top: none; }
  .va-row-2 { grid-template-columns: 1fr 1fr; }
  .va-service-group { grid-template-columns: repeat(2,1fr); }
  .va-stats-grid { grid-template-columns: 1fr 1fr; }
  .va-compare-grid { grid-template-columns: 1fr 1fr; }
  .va-hero-amount { font-size: 44px; }
}