* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --orange: #FD853A;
    --dark: #2D2D2D;
    --white: #ffffff;
    --light-bg: #FFF2EA;
    --border: #e0e0e0;
    --shadow: 3px 4px 14px 2px rgba(0, 0, 0, 0.35);
    --radius: 24px;
}

body {
    font-family: 'Poppins', sans-serif;
    background-color: var(--dark);
    color: var(--dark);
    min-height: 100vh;
    padding: 40px 20px 60px;
}

/* ── Header ── */
header {
    text-align: center;
    margin-bottom: 40px;
}

.app-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 2.4rem;
    font-weight: 900;
    color: var(--white);
    letter-spacing: -0.5px;
}

.app-sub {
    color: #aaa;
    font-size: 0.95rem;
    margin-top: 6px;
}

.orng {
    color: var(--orange);
}

/* ── Layout ── */
main {
    max-width: 900px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

/* Card 3 and results span full width */
#card-finance,
.card-results,
.actions {
    grid-column: 1 / -1;
}

/* ── Cards ── */
.card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px 36px;
    box-shadow: var(--shadow);
}

.card-header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 24px;
}

.card-num {
    font-family: 'Montserrat', sans-serif;
    font-size: 1rem;
    font-weight: 900;
    color: var(--white);
    background: var(--orange);
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.card-header h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.4rem;
    font-weight: 700;
}

/* ── Frequency Toggle ── */
.freq-toggle {
    display: flex;
    background: #f2f2f2;
    border-radius: 50px;
    padding: 4px;
    margin-bottom: 22px;
    width: fit-content;
}

.freq-btn {
    cursor: pointer;
    position: relative;
}

.freq-btn input[type="radio"] {
    position: absolute;
    opacity: 0;
    width: 0;
}

.freq-btn span {
    display: block;
    padding: 7px 22px;
    border-radius: 50px;
    font-size: 0.875rem;
    font-weight: 500;
    color: #666;
    transition: all 0.25s ease;
}

.freq-btn input:checked + span {
    background: var(--orange);
    color: var(--white);
    font-weight: 600;
}

/* ── Field Groups ── */
.field-group {
    margin-bottom: 18px;
}

.field-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 6px;
    color: #555;
}

.field-group input[type="number"],
.field-group input[type="text"] {
    width: 100%;
    padding: 11px 16px;
    border: 1.5px solid var(--border);
    border-radius: 12px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    color: var(--dark);
    transition: border-color 0.2s;
    outline: none;
}

.field-group input:focus {
    border-color: var(--orange);
}

.field-group input.error {
    border-color: #e53e3e;
}

/* ── Summary Box ── */
.summary-box {
    background: var(--light-bg);
    border-radius: 16px;
    padding: 16px 20px;
    margin-top: 20px;
}

.summary-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.9rem;
    padding: 5px 0;
    color: #555;
}

.summary-row + .summary-row {
    border-top: 1px solid #f0ddd0;
}

.summary-row.highlight {
    color: var(--dark);
    font-weight: 600;
    font-size: 1rem;
}

.summary-row.highlight strong {
    color: var(--orange);
    font-size: 1.05rem;
}

.total-box {
    margin-top: 16px;
}

/* ── Fees / Checkboxes ── */
.fees-section {
    margin-top: 4px;
}

.fees-title {
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: #999;
    margin-bottom: 12px;
}

.checkbox-row {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 10px 0;
    border-bottom: 1px solid #f4f4f4;
    cursor: pointer;
    position: relative;
}

.checkbox-row input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0;
}

.checkmark {
    width: 20px;
    height: 20px;
    border: 2px solid var(--border);
    border-radius: 6px;
    flex-shrink: 0;
    transition: all 0.2s;
    display: flex;
    align-items: center;
    justify-content: center;
}

.checkbox-row input:checked ~ .checkmark {
    background: var(--orange);
    border-color: var(--orange);
}

.checkbox-row input:checked ~ .checkmark::after {
    content: '';
    width: 5px;
    height: 9px;
    border: 2px solid white;
    border-top: none;
    border-left: none;
    transform: rotate(45deg) translate(-1px, -1px);
    display: block;
}

.chk-label {
    flex: 1;
    font-size: 0.9rem;
    color: #444;
}

.chk-label em {
    font-style: normal;
    color: #999;
    font-size: 0.8rem;
}

.chk-amount {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--dark);
    min-width: 80px;
    text-align: right;
}

.inline-input {
    width: 90px;
    padding: 4px 8px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.85rem;
    text-align: right;
    outline: none;
    transition: border-color 0.2s;
}

.inline-input:not(:disabled):focus {
    border-color: var(--orange);
}

.inline-input:disabled {
    background: #f9f9f9;
    color: #bbb;
}

/* ── Loan Term Buttons ── */
.term-group {
    display: flex;
    gap: 10px;
    margin-top: 2px;
}

.term-btn {
    flex: 1;
    padding: 10px 0;
    border: 2px solid var(--border);
    border-radius: 12px;
    background: var(--white);
    font-family: 'Poppins', sans-serif;
    font-size: 0.95rem;
    font-weight: 600;
    color: #666;
    cursor: pointer;
    transition: all 0.2s;
}

.term-btn:hover {
    border-color: var(--orange);
    color: var(--orange);
}

.term-btn.active {
    background: var(--orange);
    border-color: var(--orange);
    color: var(--white);
}

/* ── Results Card ── */
.card-results {
    background: var(--dark);
    color: var(--white);
}

.card-results .card-header h2 {
    color: var(--white);
}

.result-car-name {
    font-size: 1.05rem;
    font-weight: 600;
    color: #ccc;
    margin-bottom: 20px;
    margin-top: -8px;
}

.warning-box {
    background: rgba(229, 62, 62, 0.15);
    border: 1px solid rgba(229, 62, 62, 0.4);
    border-radius: 12px;
    padding: 12px 16px;
    font-size: 0.875rem;
    color: #ff8080;
    margin-bottom: 20px;
}

.results-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.result-item {
    background: rgba(255, 255, 255, 0.07);
    border-radius: 16px;
    padding: 18px 20px;
}

.result-item.full-width {
    grid-column: 1 / -1;
}

.result-label {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: #999;
    margin-bottom: 8px;
}

.result-value {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
}

.result-value.orng {
    color: var(--orange);
}

.result-note {
    font-size: 0.8rem;
    color: #888;
    margin-top: 6px;
}

/* ── Actions ── */
.actions {
    display: flex;
    justify-content: center;
    margin-top: 8px;
}

.btn-reset {
    padding: 12px 40px;
    background: transparent;
    border: 2px solid #666;
    border-radius: 50px;
    font-family: 'Poppins', sans-serif;
    font-size: 0.9rem;
    font-weight: 600;
    color: #aaa;
    cursor: pointer;
    transition: all 0.2s;
}

.btn-reset:hover {
    border-color: var(--orange);
    color: var(--orange);
}

/* ── Footer ── */
footer {
    text-align: center;
    margin-top: 48px;
    color: #666;
    font-size: 0.8rem;
}

/* ── Responsive ── */
@media (max-width: 700px) {
    main {
        grid-template-columns: 1fr;
    }

    #card-finance,
    .card-results,
    .actions {
        grid-column: 1;
    }

    .card {
        padding: 24px 22px;
    }

    .app-title {
        font-size: 1.8rem;
    }

    .results-grid {
        grid-template-columns: 1fr;
    }

    .term-group {
        gap: 6px;
    }
}