/* ============================================================================
   SCOPED RESET
   ============================================================================ */
.clvr-interest-only-calculator *,
.clvr-interest-only-calculator *::before,
.clvr-interest-only-calculator *::after {
  box-sizing: border-box;
}

/* ============================================================================
   COMPONENT ROOT
   ============================================================================ */
.clvr-interest-only-calculator {
  min-width: 0;
  width: 100%;
  font-family: var(--clvr-font);
  color: var(--clvr-text);
  line-height: 1.6;
}

/* Header */
.clvr-interest-only-calculator .clvr-calc-header {
  text-align: center;
  margin-bottom: var(--clvr-sp-12);
}

.clvr-interest-only-calculator .clvr-calc-header h2 {
  font-family: var(--clvr-font);
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 700;
  color: var(--clvr-blue);
  margin-bottom: var(--clvr-sp-2);
  letter-spacing: -0.02em;
}

.clvr-interest-only-calculator .clvr-calc-header p {
  color: var(--clvr-text-secondary);
  font-size: 0.95rem;
  max-width: 620px;
  margin: 0 auto;
}

/* ============================================================================
   LAYOUT
   ============================================================================ */
.clvr-interest-only-calculator .clvr-calc-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: var(--clvr-sp-6);
  align-items: start;
}

@media (max-width: 768px) {
  .clvr-interest-only-calculator .clvr-calc-layout {
    grid-template-columns: 1fr;
  }
}

/* ============================================================================
   PANELS
   ============================================================================ */
.clvr-interest-only-calculator .clvr-calc-panel {
  min-width: 0;
  background: var(--clvr-bg);
  border: 1px solid var(--clvr-border);
  border-radius: var(--clvr-radius);
  padding: var(--clvr-sp-6);
  box-shadow: var(--clvr-shadow);
}

.clvr-interest-only-calculator .clvr-calc-panel-title {
  font-family: var(--clvr-font);
  font-size: 1.05rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-blue);
  margin-bottom: var(--clvr-sp-6);
  padding-bottom: var(--clvr-sp-4);
  border-bottom: 2px solid var(--clvr-bg-tint);
  display: flex;
  align-items: center;
  gap: var(--clvr-sp-2);
}

.clvr-interest-only-calculator .clvr-calc-panel-title svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

/* ============================================================================
   INPUT GROUPS
   ============================================================================ */
.clvr-interest-only-calculator .clvr-input-group {
  margin-bottom: var(--clvr-sp-6);
}

.clvr-interest-only-calculator .clvr-input-group:last-child {
  margin-bottom: 0;
}

.clvr-interest-only-calculator .clvr-input-group label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.82rem;
  font-weight: var(--clvr-weight-semibold);
  color: var(--clvr-text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: var(--clvr-sp-2);
}

.clvr-interest-only-calculator .clvr-input-group label .clvr-label-text {
  display: inline-flex;
  align-items: center;
}

.clvr-interest-only-calculator .clvr-input-group label .clvr-label-value {
  font-family: var(--clvr-font);
  font-size: 0.95rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-blue);
  text-transform: none;
  letter-spacing: 0;
}

.clvr-interest-only-calculator .clvr-label-amount {
  font-weight: var(--clvr-weight-normal);
  color: var(--clvr-text-muted);
}

/* Loan Amount display row */
.clvr-interest-only-calculator .clvr-loan-display {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 14px;
  background: var(--clvr-bg-tint);
  border-radius: var(--clvr-radius);
  margin-bottom: var(--clvr-sp-6);
}

.clvr-interest-only-calculator .clvr-loan-display-label {
  font-size: 0.82rem;
  font-weight: var(--clvr-weight-semibold);
  color: var(--clvr-text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.clvr-interest-only-calculator .clvr-loan-display-value {
  font-family: var(--clvr-font);
  font-size: 1.05rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-blue);
}

/* Text / Number inputs */
.clvr-interest-only-calculator .clvr-input-field {
  width: 100%;
  padding: 10px 14px;
  font-family: var(--clvr-font);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.6;
  color: var(--clvr-text);
  background: var(--clvr-bg-muted);
  border: 1.5px solid var(--clvr-border);
  border-radius: var(--clvr-radius-sm);
  outline: none;
  transition: border-color var(--clvr-transition), box-shadow var(--clvr-transition);
}

.clvr-interest-only-calculator .clvr-input-field:hover {
  box-shadow: var(--clvr-shadow);
}

.clvr-interest-only-calculator .clvr-input-field:focus,
.clvr-interest-only-calculator .clvr-input-field:focus-visible {
  border-color: var(--clvr-orange);
  outline: 2px solid var(--clvr-orange);
  outline-offset: -2px;
}

/* Prefix wrappers */
.clvr-interest-only-calculator .clvr-input-with-prefix {
  position: relative;
}

.clvr-interest-only-calculator .clvr-input-with-prefix .clvr-prefix {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.95rem;
  font-weight: var(--clvr-weight-semibold);
  color: var(--clvr-text-muted);
  pointer-events: none;
}

.clvr-interest-only-calculator .clvr-input-with-prefix .clvr-input-field {
  padding-left: 28px;
}

/* Row of two inputs */
.clvr-interest-only-calculator .clvr-input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--clvr-sp-4);
}

@media (max-width: 480px) {
  .clvr-interest-only-calculator .clvr-input-row {
    grid-template-columns: 1fr;
  }
}

/* ============================================================================
   RANGE SLIDERS
   ============================================================================ */
.clvr-interest-only-calculator .clvr-slider-track {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: linear-gradient(
    to right,
    var(--clvr-orange) 0%,
    var(--clvr-orange) var(--clvr-slider-fill, 0%),
    var(--clvr-border-light) var(--clvr-slider-fill, 0%),
    var(--clvr-border-light) 100%
  );
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  margin-top: 2px;
}

.clvr-interest-only-calculator .clvr-slider-track::-moz-range-track {
  height: 6px;
  background: var(--clvr-border-light);
  border-radius: 3px;
  border: none;
}

.clvr-interest-only-calculator .clvr-slider-track::-moz-range-progress {
  height: 6px;
  background: var(--clvr-orange);
  border-radius: 3px 0 0 3px;
}

.clvr-interest-only-calculator .clvr-slider-track:focus-visible {
  outline: 2px solid var(--clvr-orange);
  outline-offset: 4px;
}

.clvr-interest-only-calculator .clvr-slider-track::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  background: var(--clvr-blue);
  border: 3px solid var(--clvr-bg);
  box-shadow: var(--clvr-shadow);
  border-radius: 50%;
  cursor: pointer;
  transition: transform var(--clvr-transition), box-shadow var(--clvr-transition);
}

.clvr-interest-only-calculator .clvr-slider-track::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: var(--clvr-shadow-lg);
}

.clvr-interest-only-calculator .clvr-slider-track::-moz-range-thumb {
  width: 20px;
  height: 20px;
  background: var(--clvr-blue);
  border: 3px solid var(--clvr-bg);
  box-shadow: var(--clvr-shadow);
  border-radius: 50%;
  cursor: pointer;
}

/* ============================================================================
   SELECT / DROPDOWN
   ============================================================================ */
.clvr-interest-only-calculator .clvr-select-field {
  width: 100%;
  padding: 10px 14px;
  font-family: var(--clvr-font);
  font-size: 0.95rem;
  font-weight: 500;
  line-height: 1.6;
  color: var(--clvr-text);
  background: var(--clvr-bg-muted);
  border: 1.5px solid var(--clvr-border);
  border-radius: var(--clvr-radius-sm);
  outline: none;
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%234b698b' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
  transition: border-color var(--clvr-transition), box-shadow var(--clvr-transition);
}

.clvr-interest-only-calculator .clvr-select-field:hover {
  box-shadow: var(--clvr-shadow);
}

.clvr-interest-only-calculator .clvr-select-field:focus,
.clvr-interest-only-calculator .clvr-select-field:focus-visible {
  border-color: var(--clvr-orange);
  outline: 2px solid var(--clvr-orange);
  outline-offset: -2px;
}

/* ============================================================================
   CALCULATE BUTTON — Primary CTA
   ============================================================================ */
.clvr-interest-only-calculator .clvr-calc-btn {
  display: block;
  width: 100%;
  padding: 14px 24px;
  margin-top: var(--clvr-sp-6);
  font-family: var(--clvr-font);
  font-size: 1rem;
  font-weight: var(--clvr-weight-bold);
  letter-spacing: 0.01em;
  text-align: center;
  color: var(--clvr-text-inverse);
  background: var(--clvr-orange);
  border: none;
  border-radius: var(--clvr-radius-pill);
  cursor: pointer;
  box-shadow: var(--clvr-shadow);
  transition: background var(--clvr-transition), transform var(--clvr-transition), box-shadow var(--clvr-transition);
}

.clvr-interest-only-calculator .clvr-calc-btn:hover {
  background: var(--clvr-orange-dark);
  transform: translateY(-1px);
  box-shadow: var(--clvr-shadow-lg);
}

.clvr-interest-only-calculator .clvr-calc-btn:active {
  transform: translateY(0);
  box-shadow: var(--clvr-shadow);
}

.clvr-interest-only-calculator .clvr-calc-btn:focus-visible {
  outline: 2px solid var(--clvr-blue);
  outline-offset: 2px;
}

/* ============================================================================
   SECTION DIVIDER
   ============================================================================ */
.clvr-interest-only-calculator .clvr-section-divider {
  display: flex;
  align-items: center;
  gap: var(--clvr-sp-2);
  margin: var(--clvr-sp-4) 0;
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.clvr-interest-only-calculator .clvr-section-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--clvr-border-light);
}

/* ============================================================================
   RESULTS PANEL
   ============================================================================ */
.clvr-interest-only-calculator .clvr-results-container {
  grid-column: 1 / -1;
}

.clvr-interest-only-calculator .clvr-results-hidden {
  display: none;
}

/* ============================================================================
   PAYMENT COMPARISON — 2-column IO vs Amortizing
   ============================================================================ */
.clvr-interest-only-calculator .clvr-io-payment-comparison {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--clvr-sp-4);
  margin-bottom: var(--clvr-sp-6);
}

.clvr-interest-only-calculator .clvr-io-pmt-card {
  background: var(--clvr-bg-muted);
  border: 1px solid var(--clvr-border-light);
  border-radius: var(--clvr-radius);
  padding: var(--clvr-sp-4) var(--clvr-sp-6);
  text-align: center;
}

.clvr-interest-only-calculator .clvr-io-pmt-card--io {
  background: var(--clvr-bg-tint);
  border-color: var(--clvr-blue);
}

.clvr-interest-only-calculator .clvr-io-pmt-card--amort {
  background: rgba(219, 164, 80, 0.08);
  border-color: var(--clvr-orange);
}

.clvr-interest-only-calculator .clvr-io-pmt-label {
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--clvr-sp-1);
}

.clvr-interest-only-calculator .clvr-io-pmt-card--amort .clvr-io-pmt-label {
  color: var(--clvr-orange-dark);
}

.clvr-interest-only-calculator .clvr-io-pmt-value {
  font-family: var(--clvr-font);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--clvr-blue);
  letter-spacing: -0.02em;
}

.clvr-interest-only-calculator .clvr-io-pmt-sub {
  font-size: 0.78rem;
  color: var(--clvr-text-secondary);
  margin-top: 2px;
}

@media (max-width: 480px) {
  .clvr-interest-only-calculator .clvr-io-payment-comparison {
    grid-template-columns: 1fr;
  }
}

/* ============================================================================
   SHOCK BAR — comparison-bar pattern
   ============================================================================ */
.clvr-interest-only-calculator .clvr-comparison-bar-wrap {
  margin: var(--clvr-sp-6) 0;
}

.clvr-interest-only-calculator .clvr-comparison-bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  font-weight: var(--clvr-weight-semibold);
  margin-bottom: var(--clvr-sp-2);
}

.clvr-interest-only-calculator .clvr-comparison-bar {
  height: 14px;
  border-radius: 7px;
  overflow: hidden;
  display: flex;
  background: var(--clvr-border-light);
}

.clvr-interest-only-calculator .clvr-comparison-bar .clvr-bar-shock {
  background: linear-gradient(to right, var(--clvr-orange), var(--clvr-orange-dark));
  border-radius: 7px;
}

@media (prefers-reduced-motion: no-preference) {
  .clvr-interest-only-calculator .clvr-comparison-bar .clvr-bar-shock {
    transition: width 0.6s ease;
  }
}

.clvr-interest-only-calculator .clvr-shock-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  padding: 2px 8px;
  border-radius: var(--clvr-radius-pill);
  vertical-align: middle;
  margin-left: var(--clvr-sp-2);
}

.clvr-interest-only-calculator .clvr-shock-badge--low {
  background: rgba(14, 193, 143, 0.12);
  color: #0a7d5a;
}

.clvr-interest-only-calculator .clvr-shock-badge--medium {
  background: rgba(255, 152, 0, 0.12);
  color: #b45309;
}

.clvr-interest-only-calculator .clvr-shock-badge--high {
  background: rgba(244, 67, 54, 0.12);
  color: #991b1b;
}

/* Shock note */
.clvr-interest-only-calculator .clvr-io-shock-note {
  padding: 10px 14px;
  margin-bottom: var(--clvr-sp-4);
  background: var(--clvr-bg-subtle);
  border-left: 3px solid var(--clvr-orange);
  border-radius: var(--clvr-radius-sm);
  font-size: 0.8rem;
  color: var(--clvr-text-secondary);
  line-height: 1.5;
}

.clvr-interest-only-calculator .clvr-io-shock-note:empty {
  display: none;
}

/* ============================================================================
   METRICS GRID
   ============================================================================ */
.clvr-interest-only-calculator .clvr-metrics-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--clvr-sp-4);
  margin-bottom: var(--clvr-sp-6);
}

.clvr-interest-only-calculator .clvr-metric-card {
  background: var(--clvr-bg-muted);
  border: 1px solid var(--clvr-border-light);
  border-radius: var(--clvr-radius);
  padding: var(--clvr-sp-4) var(--clvr-sp-6);
  text-align: center;
}

.clvr-interest-only-calculator .clvr-metric-card.clvr-metric-card--highlight {
  background: var(--clvr-bg-tint);
  border-color: var(--clvr-blue);
}

.clvr-interest-only-calculator .clvr-metric-card.clvr-metric-card--error {
  background: rgba(244, 67, 54, 0.05);
  border-color: var(--clvr-error);
}

.clvr-interest-only-calculator .clvr-metric-card .clvr-metric-label {
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--clvr-sp-1);
}

.clvr-interest-only-calculator .clvr-metric-card .clvr-metric-value {
  font-family: var(--clvr-font);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--clvr-blue);
  letter-spacing: -0.02em;
}

.clvr-interest-only-calculator .clvr-metric-card.clvr-metric-card--error .clvr-metric-value {
  color: var(--clvr-error);
}

.clvr-interest-only-calculator .clvr-metric-card .clvr-metric-sub {
  font-size: 0.78rem;
  color: var(--clvr-text-secondary);
  margin-top: 2px;
}

/* ============================================================================
   AMORTIZATION TABLE
   ============================================================================ */
.clvr-interest-only-calculator .clvr-table-section {
  margin-top: var(--clvr-sp-6);
}

.clvr-interest-only-calculator .clvr-table-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--clvr-sp-4);
  flex-wrap: wrap;
  gap: var(--clvr-sp-2);
}

.clvr-interest-only-calculator .clvr-table-title {
  font-family: var(--clvr-font);
  font-size: 1rem;
  font-weight: var(--clvr-weight-bold);
  color: var(--clvr-blue);
}

/* Table wrapper for horizontal scroll on mobile */
.clvr-interest-only-calculator .clvr-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1px solid var(--clvr-border);
  border-radius: var(--clvr-radius);
  max-height: 480px;
  overflow-y: auto;
}

.clvr-interest-only-calculator .clvr-amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
  min-width: 580px;
}

.clvr-interest-only-calculator .clvr-amort-table thead th {
  font-family: var(--clvr-font);
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--clvr-text-muted);
  background: var(--clvr-bg-muted);
  padding: 12px 14px;
  text-align: right;
  white-space: nowrap;
  border-bottom: 2px solid var(--clvr-border);
  position: sticky;
  top: 0;
  z-index: 1;
}

.clvr-interest-only-calculator .clvr-amort-table thead th:first-child {
  text-align: left;
}

.clvr-interest-only-calculator .clvr-amort-table tbody td {
  padding: 10px 14px;
  text-align: right;
  font-variant-numeric: tabular-nums;
  border-bottom: 1px solid var(--clvr-border-light);
  color: var(--clvr-text);
}

.clvr-interest-only-calculator .clvr-amort-table tbody td:first-child {
  text-align: left;
  font-weight: var(--clvr-weight-semibold);
  color: var(--clvr-text-secondary);
}

.clvr-interest-only-calculator .clvr-amort-table tbody tr:hover {
  background: var(--clvr-bg-tint);
}

/* IO phase row highlighting — blue tint */
.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-io-phase-row {
  background: var(--clvr-bg-tint);
}

.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-io-phase-row:hover {
  background: rgba(20, 36, 74, 0.08);
}

/* Transition row highlighting — orange tint */
.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-io-transition-row {
  background: rgba(219, 164, 80, 0.1);
}

.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-io-transition-row:hover {
  background: rgba(219, 164, 80, 0.18);
}

/* Phase badges */
.clvr-interest-only-calculator .clvr-phase-badge {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: var(--clvr-weight-bold);
  padding: 2px 7px;
  border-radius: var(--clvr-radius-sm);
  margin-left: 6px;
  vertical-align: middle;
}

.clvr-interest-only-calculator .clvr-phase-badge--io {
  background: rgba(33, 150, 243, 0.15);
  color: var(--clvr-info);
}

.clvr-interest-only-calculator .clvr-phase-badge--amort {
  background: var(--clvr-orange);
  color: var(--clvr-text-inverse);
}

/* Totals row */
.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-totals-row {
  background: var(--clvr-bg-tint);
  font-weight: var(--clvr-weight-bold);
}

.clvr-interest-only-calculator .clvr-amort-table tbody tr.clvr-totals-row td {
  border-top: 2px solid var(--clvr-blue);
  border-bottom: none;
  color: var(--clvr-blue);
}

/* ============================================================================
   RESPONSIVE ADJUSTMENTS
   ============================================================================ */
@media (max-width: 768px) {
  .clvr-interest-only-calculator .clvr-calc-panel {
    padding: var(--clvr-sp-4);
  }
  .clvr-interest-only-calculator .clvr-metrics-grid {
    grid-template-columns: 1fr 1fr;
  }
  .clvr-interest-only-calculator .clvr-metric-card .clvr-metric-value {
    font-size: 1.2rem;
  }
}

@media (max-width: 480px) {
  .clvr-interest-only-calculator .clvr-metrics-grid {
    grid-template-columns: 1fr;
  }
  .clvr-interest-only-calculator .clvr-amort-table {
    font-size: 0.78rem;
  }
  .clvr-interest-only-calculator .clvr-amort-table thead th,
  .clvr-interest-only-calculator .clvr-amort-table tbody td {
    padding: 8px 10px;
  }
  .clvr-interest-only-calculator .clvr-table-header {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ============================================================================
   PRINT STYLES
   ============================================================================ */
@media print {
  .clvr-interest-only-calculator .clvr-calc-btn { display: none; }
  .clvr-interest-only-calculator .clvr-calc-panel { box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
}