.loan-wrap {
  max-width: 980px;
  margin: 0 auto;
  padding: 0 16px 40px;
}

:root {
  --chart-principal-line: #9CB3CB;              /* muted steel */
  --chart-principal-fill: rgba(156, 179, 203, 0.35);

  --chart-interest-line:  #D3C3B1;              /* warm neutral */
  --chart-interest-fill:  rgba(211, 195, 177, 0.35);

  --chart-grid:           rgba(255, 255, 255, 0.08);
  --chart-axis:           rgba(255, 255, 255, 0.72);
  --chart-axis-dim:       rgba(255, 255, 255, 0.50);
}

html[data-theme="light"] {
  --chart-principal-line: #4E6E8E;               /* desaturated blue */
  --chart-principal-fill: rgba(78, 110, 142, 0.22);

  --chart-interest-line:  #8B6F54;               /* desaturated brown */
  --chart-interest-fill:  rgba(139, 111, 84, 0.22);

  --chart-grid:           rgba(0, 0, 0, 0.10);
  --chart-axis:           rgba(0, 0, 0, 0.72);
  --chart-axis-dim:       rgba(0, 0, 0, 0.52);
}


.loan-card {
  background: rgba(255, 255, 255, 0.02);
  border-radius: 12px;
  padding: 24px 20px 28px;
  margin-top: 16px;
  border: 1px solid var(--border);
}

.loan-schedule-card {
  background: rgba(255, 255, 255, 0.02);
  border-radius: 12px;
  padding: 18px 16px 22px;
  margin-top: 20px;
  border: 1px solid var(--border);
}

.loan-lead {
  margin-top: 8px;
  margin-bottom: 16px;
  font-size: 15px;
  line-height: 1.6;
}

.loan-intro-list {
  margin: 8px 0 12px;
  padding-left: 20px;
}

.loan-intro-list li {
  margin-bottom: 4px;
}

.loan-calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1.2fr) minmax(0, 1.6fr);
  gap: 20px;
  margin-top: 20px;
}

.loan-panel {
  background: rgba(0, 0, 0, 0.15);
  border-radius: 10px;
  padding: 16px 16px 20px;
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.loan-section-title {
  margin: 0 0 12px;
  font-size: 16px;
  font-weight: 600;
}

.loan-field {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 12px;
}

.loan-field label {
  font-size: 13px;
  font-weight: 500;
}

.loan-field input,
.loan-field select {
  padding: 8px 10px;
  border-radius: 6px;
  border: 1px solid var(--border);
  background: rgba(0, 0, 0, 0.3);
  color: inherit;
  font-size: 14px;
}

.loan-field input:focus,
.loan-field select:focus {
  outline: none;
  border-color: var(--accent2);
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.06);
}

html[data-theme="light"] .loan-field input,
html[data-theme="light"] .loan-field select {
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(0, 0, 0, 0.12);
}

.loan-field-error input,
.loan-field-error select {
  border-color: #d94b4b;
}

.loan-field-error-message {
  font-size: 12px;
  color: #ff9b9b;
}

.loan-help {
  font-size: 12px;
  color: var(--muted);
}

.loan-results-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 10px;
  margin-bottom: 12px;
}

.loan-result-tile {
  padding: 10px 10px 12px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
}

.loan-result-tile.highlight {
  background: linear-gradient(135deg, rgba(185, 146, 67, 0.15) 0%, rgba(185, 146, 67, 0.08) 100%),
              rgba(255, 255, 255, 0.06);
  border-color: var(--accent2);
}

html[data-theme="light"] .loan-result-tile {
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(0, 0, 0, 0.12);
}

html[data-theme="light"] .loan-result-tile.highlight {
  background: linear-gradient(135deg, rgba(154, 119, 40, 0.12) 0%, rgba(154, 119, 40, 0.06) 100%),
              rgba(255, 255, 255, 0.9);
  border-color: var(--accent2);
}

.loan-result-label {
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 2px;
}

.loan-result-value {
  font-size: 18px;
  font-weight: 600;
}

.loan-result-sub {
  font-size: 11px;
  color: var(--muted);
  margin-top: 2px;
}

.loan-results-caption {
  margin-top: 8px;
  font-size: 13px;
  color: var(--muted);
}

.loan-charts {
  margin-top: 16px;
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 16px;
}

.loan-chart-container {
  background: transparent;
  border-radius: 8px;
  padding: 6px 6px 10px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
  height: 340px;
}

html[data-theme="light"] .loan-chart-container {
  background: transparent;
  border: 1px solid rgba(0, 0, 0, 0.12);
}

#chart-balance,
#chart-principal-interest,
#chart-payment-composition {
  width: 100%;
  height: 100%;
  display: block;
}

.loan-chart-title {
  font-size: 13px;
  margin-bottom: 6px;
}

.loan-chart-note {
  margin-top: 4px;
  font-size: 11px;
  color: var(--muted);
}

.loan-chart-subtitle {
  margin: 4px 0 0;
  font-size: 12px;
  color: var(--chart-axis-dim);
}

.loan-accordion {
  margin-top: 18px;
}

.loan-accordion summary {
  cursor: pointer;
  padding: 10px 12px;
  background: rgba(255, 255, 255, 0.03);
  border-radius: 8px;
  border: 1px solid var(--border);
  font-weight: 600;
  font-size: 14px;
}

.loan-accordion[open] summary {
  border-bottom-left-radius: 0;
  border-bottom-right-radius: 0;
}

.loan-accordion-body {
  padding: 10px 12px 12px;
  border: 1px solid var(--border);
  border-top: none;
  border-bottom-left-radius: 8px;
  border-bottom-right-radius: 8px;
  background: rgba(0, 0, 0, 0.2);
}

.loan-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 12px;
}

.loan-table th,
.loan-table td {
  padding: 6px 4px;
  text-align: right;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.loan-table th:first-child,
.loan-table td:first-child {
  text-align: left;
}

.loan-table tfoot td {
  font-weight: 600;
}

.loan-table tfoot tr {
  background: rgba(255, 255, 255, 0.04);
}

.loan-methods {
  margin-top: 32px;
}

.loan-methods h2 {
  font-size: 20px;
  margin-bottom: 8px;
}

.loan-methods p {
  font-size: 14px;
  line-height: 1.6;
}

.loan-methods ul {
  margin: 8px 0 12px;
  padding-left: 20px;
}

.loan-methods li {
  margin-bottom: 4px;
}

@media (max-width: 768px) {
  .loan-card {
    padding: 20px 14px 22px;
  }

  .loan-schedule-card {
    padding: 16px 12px 20px;
  }

  .loan-calc-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .loan-charts {
    grid-template-columns: minmax(0, 1fr);
  }

  .loan-results-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}