/* ANR Refinance Calculator */
.anr-refi-calc {
  background: var(--cream, #f8f6f1);
  padding: clamp(3rem, 6vw, 5rem) 0;
}

.anr-refi-calc__head {
  max-width: 40rem;
  margin: 0 auto 2.25rem;
  text-align: center;
}

.anr-refi-calc__title {
  font-family: var(--font-display, Georgia, serif);
  font-size: clamp(1.85rem, 3.5vw, 2.6rem);
  font-weight: 500;
  color: var(--navy, #070d18);
  margin: 0 0 0.65rem;
}

.anr-refi-calc__subtitle {
  margin: 0;
  color: var(--muted, #5c6b7f);
  line-height: 1.7;
}

.anr-refi-calc__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(1.25rem, 3vw, 2rem);
  max-width: 980px;
  margin: 0 auto;
  align-items: stretch;
}

.anr-refi-calc__form,
.anr-refi-calc__results {
  background: #fff;
  border: 1px solid rgba(7, 13, 24, 0.08);
  border-radius: 14px;
  box-shadow: 0 10px 28px rgba(7, 13, 24, 0.05);
  overflow: hidden;
}

.anr-refi-calc__form {
  padding: clamp(1.25rem, 3vw, 1.75rem);
}

.anr-refi-calc__group-title {
  margin: 0 0 0.85rem;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--navy, #070d18);
}

.anr-refi-calc__group + .anr-refi-calc__group {
  margin-top: 1.35rem;
  padding-top: 1.15rem;
  border-top: 1px solid rgba(7, 13, 24, 0.08);
}

.anr-refi-calc__fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}

.anr-refi-calc__field {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.anr-refi-calc__field--full {
  grid-column: 1 / -1;
}

.anr-refi-calc__field span {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted, #5c6b7f);
}

.anr-refi-calc__field input {
  border: 1px solid rgba(7, 13, 24, 0.14);
  border-radius: 10px;
  padding: 0.7rem 0.85rem;
  font-size: 1.02rem;
  color: var(--navy, #070d18);
  background: #fff;
}

.anr-refi-calc__field input:focus {
  outline: 2px solid rgba(196, 90, 26, 0.35);
  border-color: #c45a1a;
}

.anr-refi-calc__savings {
  background: linear-gradient(135deg, #c45a1a, #8b3a12);
  color: #fff;
  padding: 1.5rem 1.4rem 1.25rem;
}

.anr-refi-calc__savings-label {
  margin: 0 0 0.35rem;
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.85;
}

.anr-refi-calc__savings-value {
  margin: 0 0 0.45rem;
  font-family: var(--font-display, Georgia, serif);
  font-size: clamp(2rem, 4vw, 2.6rem);
  font-weight: 500;
  line-height: 1.1;
}

.anr-refi-calc__savings-compare {
  margin: 0;
  font-size: 0.9rem;
  opacity: 0.9;
}

.anr-refi-calc__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  padding: 1.15rem 1.25rem;
  border-bottom: 1px solid rgba(7, 13, 24, 0.08);
}

.anr-refi-calc__stat {
  text-align: center;
}

.anr-refi-calc__stat span {
  display: block;
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted, #5c6b7f);
  margin-bottom: 0.25rem;
}

.anr-refi-calc__stat strong {
  font-size: 1.05rem;
  color: var(--navy, #070d18);
  font-variant-numeric: tabular-nums;
}

.anr-refi-calc__body {
  padding: 1.15rem 1.25rem 1.4rem;
}

.anr-refi-calc__verdict {
  margin: 0 0 1.15rem;
  line-height: 1.6;
  color: var(--muted, #5c6b7f);
  font-size: 0.95rem;
}

.anr-refi-calc__verdict.is-good {
  color: #1f6b3a;
}

.anr-refi-calc__verdict.is-warn {
  color: #8a5a12;
}

.anr-refi-calc__verdict.is-bad {
  color: #8a2f1f;
}

.anr-refi-calc__cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  background: #c45a1a;
  color: #fff !important;
  text-decoration: none;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 0.82rem;
  padding: 0.9rem 1.25rem;
  border-radius: 10px;
}

.anr-refi-calc__cta:hover {
  background: #8b3a12;
}

@media (max-width: 860px) {
  .anr-refi-calc__grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 520px) {
  .anr-refi-calc__fields,
  .anr-refi-calc__stats {
    grid-template-columns: 1fr;
  }
}