.apr-calculator-embed {
  color-scheme: light;
  --navy: #0b1726;
  --blue: #28a9df;
  --blue-dark: #0877a8;
  --mist: #eef7fb;
  --line: #d5e2e9;
  --text: #14202b;
  --muted: #60717e;
  --white: #ffffff;
  --danger: #b42318;
  --shadow: 0 24px 70px rgba(11, 23, 38, 0.16);
}

.apr-calculator-embed,
.apr-calculator-embed * {
  box-sizing: border-box;
}

.apr-calculator-embed {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at 15% 10%, rgba(40, 169, 223, 0.23), transparent 35%),
    linear-gradient(135deg, #f8fbfd 0%, #e8f3f8 100%);
  overflow: hidden;
}

.apr-calculator-embed button,
.apr-calculator-embed input {
  font: inherit;
}

.page-shell {
  padding: 0;
}

.calculator-card {
  width: 100%;
  overflow: hidden;
  background: var(--white);
  border: 0;
  border-radius: 0;
  box-shadow: none;
}

.heading-block {
  padding: 38px 42px 30px;
  color: var(--white);
  background: linear-gradient(120deg, var(--navy), #17354d);
}

.heading-block h1,
.heading-block p,
.heading-block .eyebrow,
.apr-result,
.apr-result span,
.apr-result strong,
.apr-result small,
.fca-check,
.fca-check h4,
.fca-check p,
.fca-check span,
.fca-check strong,
.fca-check small {
  color: var(--white);
}

.heading-block p,
.fca-check .equation,
.fca-check small {
  color: #d4e6ef;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 10px;
  color: #79d5fa;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.apr-calculator-embed h1,
.apr-calculator-embed h2,
.apr-calculator-embed p {
  margin-top: 0;
}

.apr-calculator-embed h1 {
  margin-bottom: 9px;
  font-size: clamp(2rem, 5vw, 3.25rem);
  line-height: 1;
}

.heading-block p { max-width: 620px; margin-bottom: 0; color: #d4e6ef; line-height: 1.55; }

.apr-calculator-embed form {
  padding: 32px 42px 12px;
}

.section-heading {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 18px;
}
.section-heading h2 { margin-bottom: 0; font-size: 1.15rem; }
.section-heading span { color: var(--muted); font-size: 0.85rem; }

.input-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.field {
  display: grid;
  gap: 8px;
  align-content: start;
  color: #354450;
  font-size: 0.9rem;
  font-weight: 700;
}
.field:last-child { grid-column: 1 / 2; }

.input-wrap {
  min-height: 52px;
  display: flex;
  align-items: center;
  align-self: start;
  border: 1px solid #c3d5df;
  border-radius: 12px;
  background: #f1f7fb;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.78), 0 8px 20px rgba(11, 23, 38, 0.045);
  transition: border-color 150ms ease, box-shadow 150ms ease, background 150ms ease;
}
.input-wrap:focus-within {
  border-color: var(--blue);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(40, 169, 223, 0.16), 0 10px 24px rgba(11, 23, 38, 0.07);
}
.apr-calculator-embed input {
  width: 100%;
  min-width: 0;
  padding: 14px 15px;
  border: 0;
  outline: 0;
  color: var(--navy);
  background: transparent;
  font-size: 1rem;
  font-weight: 750;
}

.apr-calculator-embed input[type="number"] {
  appearance: textfield;
  -moz-appearance: textfield;
}

.apr-calculator-embed input[type="number"]::-webkit-outer-spin-button,
.apr-calculator-embed input[type="number"]::-webkit-inner-spin-button {
  margin: 0;
  -webkit-appearance: none;
}
.prefix, .suffix { color: var(--muted); font-weight: 800; }
.prefix { padding-left: 15px; }
.suffix { padding-right: 15px; }

.error-message { min-height: 22px; margin: 12px 0 0; color: var(--danger); font-size: 0.88rem; }

.results {
  display: grid;
  grid-template-columns: minmax(210px, 0.72fr) 1.7fr;
  gap: 22px;
  margin: 12px 42px 0;
  padding: 24px;
  border-radius: 18px;
  background: var(--mist);
}

.apr-result {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 22px;
  border-radius: 14px;
  background: linear-gradient(145deg, var(--blue-dark), var(--blue));
}
.apr-result span { font-size: 0.9rem; font-weight: 750; }
.apr-result strong { margin: 8px 0 3px; font-size: clamp(2.6rem, 7vw, 4.5rem); line-height: 1; letter-spacing: -0.055em; }
.apr-result small { color: #dff5ff; }

.result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 0;
}
.result-grid div {
  min-width: 0;
  padding: 15px 16px;
  border: 1px solid rgba(213, 226, 233, 0.9);
  border-radius: 12px;
  background: var(--white);
}
.apr-calculator-embed dt { margin-bottom: 5px; color: var(--muted); font-size: 0.79rem; font-weight: 700; }
.apr-calculator-embed dd { margin: 0; color: var(--navy); font-size: 1.08rem; font-weight: 800; overflow-wrap: anywhere; }

.note { margin: 20px 42px 32px; color: var(--muted); font-size: 0.78rem; line-height: 1.55; }

@media (max-width: 720px) {
  .heading-block, form { padding-left: 24px; padding-right: 24px; }
  .input-grid, .results, .result-grid { grid-template-columns: 1fr; }
  .field:last-child { grid-column: auto; }
  .results { margin-left: 24px; margin-right: 24px; }
  .note { margin-left: 24px; margin-right: 24px; }
}

.interest-field {
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}

.interest-field legend {
  margin-bottom: 8px;
  padding: 0;
  color: #354450;
  font-size: 0.9rem;
  font-weight: 700;
}

.interest-toggle {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 6px;
  margin-bottom: 8px;
  padding: 4px;
  border: 1px solid #c3d5df;
  border-radius: 12px;
  background: #edf5fa;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.72), 0 8px 18px rgba(11, 23, 38, 0.035);
}

.interest-toggle label { cursor: pointer; }
.interest-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.interest-toggle span {
  display: block;
  padding: 9px 10px;
  border-radius: 8px;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 800;
  text-align: center;
  transition: background 150ms ease, color 150ms ease, box-shadow 150ms ease;
}
.interest-toggle input:checked + span {
  color: var(--navy);
  background: var(--white);
  box-shadow: 0 2px 8px rgba(11, 23, 38, 0.1);
}
.interest-toggle input:focus-visible + span {
  outline: 3px solid rgba(40, 169, 223, 0.25);
}

.interest-input { display: grid; }
.interest-input.is-hidden { display: none; }
.calculated-interest {
  margin: 7px 2px 0;
  color: var(--muted);
  font-size: 0.76rem;
}
.calculated-interest strong { color: var(--navy); }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.calculator-tabs {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  padding: 18px 42px 0;
  background: var(--white);
}

.tab-button {
  padding: 13px 16px;
  border: 1px solid var(--line);
  border-radius: 12px;
  color: var(--muted);
  background: #f4f8fa;
  font-weight: 800;
  cursor: pointer;
  transition: border-color 150ms ease, color 150ms ease, background 150ms ease, box-shadow 150ms ease;
}

.tab-button:hover { border-color: var(--blue); color: var(--navy); }
.tab-button.is-active {
  border-color: var(--blue);
  color: var(--navy);
  background: var(--mist);
  box-shadow: inset 0 -3px 0 var(--blue);
}
.tab-button:focus-visible { outline: 3px solid rgba(40, 169, 223, 0.25); outline-offset: 2px; }

.calculator-panel { display: none; }
.calculator-panel.is-active { display: block; }
.reverse-result strong { font-size: clamp(2.25rem, 6vw, 4rem); }

@media (max-width: 720px) {
  .calculator-tabs { padding-left: 24px; padding-right: 24px; }
  .tab-button { padding: 11px 8px; font-size: 0.82rem; }
}

.breakdown-section { margin: 18px 42px 0; }
.breakdown-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 14px;
  color: var(--navy);
  background: #fbfdfe;
  font-size: 0.92rem;
  font-weight: 800;
  cursor: pointer;
}
.breakdown-toggle input { position: absolute; opacity: 0; pointer-events: none; }
.switch {
  position: relative;
  flex: 0 0 46px;
  width: 46px;
  height: 26px;
  border-radius: 999px;
  background: #bfd0d9;
  transition: background 160ms ease;
}
.switch::after {
  content: "";
  position: absolute;
  top: 3px;
  left: 3px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 2px 6px rgba(11, 23, 38, 0.22);
  transition: transform 160ms ease;
}
.breakdown-toggle input:checked + .switch { background: var(--blue); }
.breakdown-toggle input:checked + .switch::after { transform: translateX(20px); }
.breakdown-toggle input:focus-visible + .switch { outline: 3px solid rgba(40, 169, 223, 0.25); outline-offset: 3px; }
.calculation-breakdown {
  margin-top: 10px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #f8fbfd;
}
.breakdown-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 18px; margin-bottom: 18px; }
.breakdown-heading h3 { margin: 2px 0 0; color: var(--navy); font-size: 1.22rem; }
.eyebrow.dark { margin: 0; color: var(--blue-dark); }
.status-pill { padding: 7px 10px; border-radius: 999px; color: #08618a; background: #dff4fc; font-size: 0.72rem; font-weight: 800; white-space: nowrap; }
.calculation-steps { display: grid; gap: 9px; margin: 0; padding: 0; list-style: none; counter-reset: calc-step; }
.calculation-steps li {
  counter-increment: calc-step;
  display: grid;
  grid-template-columns: minmax(160px, .8fr) minmax(260px, 1.5fr) minmax(100px, auto);
  align-items: center;
  gap: 14px;
  padding: 13px 14px;
  border: 1px solid rgba(213, 226, 233, .9);
  border-radius: 11px;
  background: var(--white);
}
.calculation-steps li > span:first-child::before { content: counter(calc-step) ". "; color: var(--blue-dark); }
.calculation-steps li > span:first-child { color: #3e505d; font-size: .82rem; font-weight: 800; }
.calculation-steps code { color: #4f6371; font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: .76rem; overflow-wrap: anywhere; }
.calculation-steps strong { color: var(--navy); text-align: right; font-size: .9rem; }
.fca-check { margin-top: 16px; padding: 18px; border-radius: 13px; color: var(--white); background: linear-gradient(120deg, var(--navy), #17354d); }
.fca-check h4 { margin: 0 0 8px; }
.fca-check .equation { margin: 0 0 14px; color: #d9edf6; font-family: Georgia, serif; font-size: 1rem; }
.balance-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.balance-grid div { padding: 11px; border: 1px solid rgba(255,255,255,.15); border-radius: 9px; background: rgba(255,255,255,.06); }
.balance-grid span { display: block; margin-bottom: 4px; color: #bcd9e6; font-size: .69rem; font-weight: 700; }
.balance-grid strong { font-size: .9rem; }
.fca-check small { display: block; margin-top: 12px; color: #bcd9e6; line-height: 1.45; }
@media (max-width: 720px) {
  .breakdown-section { margin-left: 24px; margin-right: 24px; }
  .breakdown-heading { display: block; }
  .status-pill { display: inline-block; margin-top: 10px; }
  .calculation-steps li { grid-template-columns: 1fr; gap: 5px; }
  .calculation-steps strong { text-align: left; }
  .balance-grid { grid-template-columns: 1fr; }
}

/* Annualised / balance analysis */
.calculator-tabs { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.annual-result strong { font-size: clamp(2.35rem, 6vw, 4.15rem); }
.analysis-callout {
  margin: 18px 42px 0;
  padding: 16px 18px;
  border: 1px solid #bfe3f2;
  border-radius: 14px;
  background: #eefaff;
  color: var(--navy);
}
.analysis-callout strong { display: block; margin-bottom: 5px; color: var(--blue-dark); }
.analysis-callout p { margin: 0; color: #3f5968; font-size: .86rem; line-height: 1.5; }
.method-grid { display: grid; gap: 9px; margin-bottom: 16px; }
.method-grid > div {
  display: grid;
  grid-template-columns: minmax(170px,.8fr) minmax(260px,1.5fr) minmax(100px,auto);
  gap: 14px;
  align-items: center;
  padding: 13px 14px;
  border: 1px solid rgba(213,226,233,.9);
  border-radius: 11px;
  background: var(--white);
}
.method-grid span { color: #3e505d; font-size: .82rem; font-weight: 800; }
.method-grid code { color: #4f6371; font-family: ui-monospace,SFMono-Regular,Menlo,Consolas,monospace; font-size: .76rem; overflow-wrap:anywhere; }
.method-grid strong { text-align:right; color:var(--navy); font-size:.9rem; }
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius:12px; background:var(--white); }
.balance-table { width:100%; border-collapse:collapse; min-width:690px; font-size:.8rem; }
.balance-table th, .balance-table td { padding:11px 12px; border-bottom:1px solid #e7eef2; text-align:right; white-space:nowrap; }
.balance-table th:first-child, .balance-table td:first-child { text-align:left; }
.balance-table th { color:#516573; background:#f4f8fa; font-size:.72rem; text-transform:uppercase; letter-spacing:.04em; }
.balance-table tr:last-child td { border-bottom:0; }
.method-note { margin:14px 2px 0; color:#58707e; font-size:.78rem; line-height:1.5; }
@media (max-width:720px) {
  .calculator-tabs { grid-template-columns:1fr; }
  .analysis-callout { margin-left:24px; margin-right:24px; }
  .method-grid > div { grid-template-columns:1fr; gap:5px; }
  .method-grid strong { text-align:left; }
}