.calculator-tools{--calc-chart-primary: var(--color-primary);--calc-chart-secondary: rgba(255, 255, 255, .5);--calc-alert-success: var(--color-success);--calc-alert-warning: var(--color-warning);--calc-alert-error: var(--color-error);--calc-icon-accent: var(--color-primary);--calc-bar-fill: var(--color-primary);--calc-bar-lmi: rgba(255, 255, 255, .3);--calc-transition: .15s ease;--primary: var(--color-primary);--success: var(--color-success);--warning: var(--color-warning);--error: var(--color-error);--border-light: rgba(255, 255, 255, .2);--border-medium: rgba(255, 255, 255, .4);--bg-lighter: var(--color-surface-elevated)}.calculator-tools .tool-body{padding:40px 0 60px;min-height:60vh}.calculator-tools .repayment-calc-wrapper{display:flex;flex-direction:column;gap:32px}.calculator-tools .tool-layout{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}.calculator-tools .ipe-results-column{display:flex;flex-direction:column;gap:24px}.calculator-tools .balance-chart-card{background:var(--color-surface);border-radius:var(--radius-xl);padding:32px;border:1px solid var(--color-border)}.calculator-tools .balance-chart h3{font-size:1.1rem;margin-bottom:20px;color:var(--color-text-primary)}.calculator-tools .balance-chart-svg{width:100%;max-width:560px;height:auto;display:block}.calculator-tools .balance-chart .chart-label{font-size:.75rem;fill:var(--color-text-muted)}.calculator-tools .balance-chart-legend{display:flex;gap:24px;margin-top:16px;font-size:.88rem;color:var(--color-text-secondary)}.calculator-tools .legend-item{display:flex;align-items:center;gap:8px}.calculator-tools .legend-dot{width:12px;height:12px;border-radius:50%}.calculator-tools .tool-card{background:var(--color-surface);border-radius:var(--radius-xl);padding:32px;border:1px solid var(--color-border);transition:all var(--calc-transition)}.calculator-tools .tool-card:hover{border-color:#fff3}.calculator-tools .tool-card h2{font-size:1.2rem;margin-bottom:24px;padding-bottom:12px;border-bottom:2px solid rgba(255,255,255,.15);display:flex;align-items:center;gap:10px;color:var(--color-text-primary)}.calculator-tools .tool-card h2 .icon{width:32px;height:32px;background:#ffffff1a;border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;flex-shrink:0}.calculator-tools .tool-card h2 .icon svg{width:18px;height:18px;stroke:var(--calc-icon-accent);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}.calculator-tools .results-card{position:sticky;top:20px}.calculator-tools .form-group{margin-bottom:18px}.calculator-tools .form-group label{display:block;font-size:.9rem;font-weight:600;color:var(--color-text-primary);margin-bottom:5px}.calculator-tools input[type=number],.calculator-tools input[type=text],.calculator-tools input[type=email],.calculator-tools input[type=tel],.calculator-tools select{width:100%;padding:12px 16px;font-size:1rem;font-weight:600;color:var(--color-text-primary);background:var(--color-surface-elevated);border:2px solid var(--color-border);border-radius:var(--radius-md);transition:all var(--calc-transition)}.calculator-tools input:focus,.calculator-tools select:focus{outline:none;border-color:var(--color-primary);box-shadow:0 0 0 3px #ffffff26}.calculator-tools .input-prefix{position:relative}.calculator-tools .input-prefix:before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);font-weight:600;color:var(--color-text-muted);font-size:1rem;pointer-events:none;z-index:1}.calculator-tools .input-prefix input{padding-left:30px}.calculator-tools .toggle-group{display:flex;gap:0;border:2px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;background:var(--color-surface-elevated)}.calculator-tools .toggle-group button{flex:1;padding:10px 8px;font-size:.85rem;font-weight:600;color:var(--color-text-muted);background:transparent;border:none;cursor:pointer;transition:all var(--calc-transition);white-space:nowrap}.calculator-tools .toggle-group button.active{background:#ffffff26;color:var(--color-primary);box-shadow:inset 0 0 0 2px var(--color-primary);font-weight:700}.calculator-tools .toggle-group button:hover:not(.active){color:var(--color-text-primary);background:#ffffff0d}.calculator-tools .toggle-group-wrap{flex-wrap:wrap}.calculator-tools .toggle-group-wrap button{min-width:0}.calculator-tools .toggle-group-stack{flex-direction:column;overflow:visible}.calculator-tools .toggle-group-stack button{flex:none;width:100%;text-align:left;padding:10px 14px;white-space:normal;border-bottom:1px solid var(--color-border)}.calculator-tools .toggle-group-stack button:last-child{border-bottom:none}.calculator-tools .result-highlight{background:#417be91f;border-radius:var(--radius-lg);padding:20px;margin:20px 0 16px;text-align:center;border:1px solid rgba(65,123,233,.3)}.calculator-tools .result-highlight .big-number{font-size:2.2rem;font-weight:800;color:var(--color-primary);line-height:1}.calculator-tools .result-highlight .big-label{font-size:.85rem;font-weight:600;color:var(--color-text-secondary);margin-top:4px}.calculator-tools .result-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--color-border)}.calculator-tools .result-row:last-child{border-bottom:none}.calculator-tools .result-row .label{font-size:.88rem;color:var(--color-text-secondary)}.calculator-tools .result-row .value{font-size:1rem;font-weight:700;color:var(--color-text-primary);text-align:right}.calculator-tools .result-row .value.positive{color:var(--calc-alert-success)}.calculator-tools .result-row .value .result-meta{font-size:.8rem;font-weight:500;color:var(--color-text-muted)}.calculator-tools .savings-banner{background:#22c55e26;border:1px solid rgba(34,197,94,.3);border-radius:var(--radius-lg);padding:16px 20px;margin-top:12px;display:flex;align-items:center;gap:12px}.calculator-tools .savings-banner.hidden{display:none}.calculator-tools .savings-banner .savings-icon{width:36px;height:36px;background:var(--calc-alert-success);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}.calculator-tools .savings-banner .savings-icon svg{width:18px;height:18px;stroke:#fff;fill:none;stroke-width:2.5}.calculator-tools .savings-banner .savings-text .amount{font-weight:800;font-size:1.1rem;color:var(--calc-alert-success)}.calculator-tools .savings-banner .savings-text .desc{font-size:.8rem;color:var(--color-text-secondary)}.calculator-tools .grant-banner{background:#eab30826;border:1px solid rgba(234,179,8,.3);border-radius:var(--radius-lg);padding:14px 20px;margin-top:10px;display:flex;align-items:center;gap:12px}.calculator-tools .grant-banner.hidden{display:none}.calculator-tools .grant-banner .grant-icon{width:36px;height:36px;background:var(--calc-alert-warning);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0}.calculator-tools .grant-banner .grant-icon svg{width:18px;height:18px;stroke:#fff;fill:none;stroke-width:2.5}.calculator-tools .grant-banner .grant-text .amount{font-weight:800;font-size:1.05rem;color:var(--calc-alert-warning)}.calculator-tools .grant-banner .grant-text .desc{font-size:.78rem;color:var(--color-text-secondary)}.calculator-tools .fee-section{margin-top:16px;padding-top:12px;border-top:2px solid rgba(255,255,255,.1)}.calculator-tools .fee-section h3{font-size:.9rem;color:var(--color-text-primary);margin-bottom:8px}.calculator-tools .fee-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;font-size:.84rem}.calculator-tools .fee-row .fee-label{color:var(--color-text-muted)}.calculator-tools .fee-row .fee-value{font-weight:600;color:var(--color-text-secondary)}.calculator-tools .fee-total{display:flex;justify-content:space-between;align-items:center;padding:10px 0 0;margin-top:6px;border-top:1px dashed var(--color-border);font-size:.88rem}.calculator-tools .fee-total .fee-label{font-weight:600;color:var(--color-text-primary)}.calculator-tools .fee-total .fee-value{font-weight:700;color:var(--color-text-primary)}.calculator-tools .grand-total{background:var(--color-surface-elevated);border-radius:var(--radius-lg);padding:16px 20px;margin-top:16px;display:flex;justify-content:space-between;align-items:center;border:1px solid var(--color-border)}.calculator-tools .grand-total .gt-label{font-size:.9rem;font-weight:600;color:var(--color-text-secondary)}.calculator-tools .grand-total .gt-value{font-size:1.4rem;font-weight:800;color:var(--color-primary)}.calculator-tools .state-comparison{margin-top:20px}.calculator-tools .state-comparison h3{font-size:.95rem;margin-bottom:10px;color:var(--color-text-muted);font-weight:600}.calculator-tools .comparison-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.calculator-tools .comparison-item{background:var(--color-surface-elevated);border-radius:var(--radius-md);padding:12px;text-align:center;border:1px solid var(--color-border)}.calculator-tools .comparison-item.active-state{background:#ffffff1a;border-color:var(--color-primary)}.calculator-tools .comparison-item .state-name{font-size:.78rem;font-weight:600;color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.03em}.calculator-tools .comparison-item .state-duty{font-size:1.05rem;font-weight:700;color:var(--color-text-primary);margin-top:2px}.calculator-tools .comparison-item .state-fees{font-size:.75rem;color:var(--color-text-muted);margin-top:1px}.calculator-tools .disclosure-checkbox{display:inline-flex;align-items:center;gap:10px;cursor:pointer;font-size:.9rem;font-weight:500;color:var(--color-text-secondary);user-select:none;transition:color var(--calc-transition)}.calculator-tools .disclosure-checkbox:hover{color:var(--color-text-primary)}.calculator-tools .disclosure-checkbox input{position:absolute;opacity:0;width:0;height:0}.calculator-tools .disclosure-checkbox__box{width:20px;height:20px;min-width:20px;flex-shrink:0;border:2px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface-elevated);display:flex;align-items:center;justify-content:center;transition:all var(--calc-transition)}.calculator-tools .disclosure-checkbox__box:after{content:"";width:5px;height:10px;border:solid var(--color-background);border-width:0 2px 2px 0;transform:rotate(45deg) translateY(-1px);opacity:0;transition:opacity var(--calc-transition)}.calculator-tools .disclosure-checkbox input:checked+.disclosure-checkbox__box{background:var(--color-primary);border-color:var(--color-primary)}.calculator-tools .disclosure-checkbox input:checked+.disclosure-checkbox__box:after{opacity:1}.calculator-tools .disclosure-checkbox:hover .disclosure-checkbox__box{border-color:#fff6}.calculator-tools .disclosure-checkbox input:checked:hover+.disclosure-checkbox__box{border-color:var(--color-primary);background:var(--color-primary-light)}.calculator-tools .disclosure-checkbox input:focus-visible+.disclosure-checkbox__box{box-shadow:0 0 0 3px #fff3}.calculator-tools .ipe-tooltip-trigger{position:relative;display:inline-flex;align-items:center;cursor:help;margin-right:6px;flex-shrink:0}.calculator-tools .ipe-tooltip-icon{width:16px;height:16px;color:var(--color-text-muted);opacity:.7;transition:color .2s,opacity .2s}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-icon{color:var(--color-primary);opacity:1}.calculator-tools .ipe-tooltip-popup{position:absolute;bottom:calc(100% + 8px);left:50%;transform:translate(-50%) translateY(4px);padding:10px 14px;font-size:.8rem;font-weight:500;line-height:1.4;color:var(--color-text-primary);background:var(--color-surface-elevated);border:1px solid var(--color-border);border-radius:8px;white-space:normal;max-width:260px;min-width:180px;pointer-events:none;z-index:1000;opacity:0;visibility:hidden;transition:opacity .2s ease,transform .2s ease,visibility .2s}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-popup{opacity:1;visibility:visible;transform:translate(-50%) translateY(0)}.calculator-tools .ipe-tooltip-popup:after{content:"";position:absolute;top:100%;left:50%;transform:translate(-50%);border:6px solid transparent;border-top-color:var(--color-surface-elevated)}.calculator-tools .ipe-tooltip-popup--down{bottom:auto;top:calc(100% + 8px);transform:translate(-50%) translateY(-4px)}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-popup--down{transform:translate(-50%) translateY(0)}.calculator-tools .ipe-tooltip-popup--down:after{top:auto;bottom:100%;border-top-color:transparent;border-bottom-color:var(--color-surface-elevated)}.calculator-tools .ipe-tooltip-popup--right{bottom:auto;top:50%;left:calc(100% + 10px);transform:translate(0) translateY(-50%) translate(-4px)}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-popup--right{transform:translate(0) translateY(-50%)}.calculator-tools .ipe-tooltip-popup--right:after{top:50%;left:auto;right:100%;transform:translateY(-50%);border-top-color:transparent;border-right-color:var(--color-surface-elevated)}.calculator-tools .ipe-tooltip-popup--left{bottom:auto;top:50%;right:calc(100% + 10px);left:auto;transform:translate(0) translateY(-50%) translate(4px)}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-popup--left{transform:translate(0) translateY(-50%)}.calculator-tools .ipe-tooltip-popup--left:after{inset:50% auto auto 100%;transform:translateY(-50%);border:6px solid transparent;border-left-color:var(--color-surface-elevated);border-top-color:transparent}.calculator-tools .ipe-tooltip-popup--up{bottom:calc(100% + 8px);top:auto;left:50%;right:auto;transform:translate(-50%) translateY(4px)}.calculator-tools .ipe-tooltip-trigger:hover .ipe-tooltip-popup--up{opacity:1;visibility:visible;transform:translate(-50%) translateY(0)}.calculator-tools .ipe-tooltip-popup--up:after{inset:100% auto auto 50%;transform:translate(-50%);border:6px solid transparent;border-top-color:var(--color-surface-elevated)}.calculator-tools .lmi-explainer-wrapper,.calculator-tools .supporting-docs-wrapper{max-width:720px;margin:0 auto}.calculator-tools .lmi-info-card{margin-bottom:24px}.calculator-tools .lmi-info-card-title{font-size:1.25rem;margin-bottom:12px;color:var(--color-text-primary)}.calculator-tools .lmi-info-card-body{margin:0 0 12px;font-size:.95rem;line-height:1.6;color:var(--color-text-secondary)}.calculator-tools .lmi-explainer-heading{display:flex;align-items:center;gap:10px;font-size:1.2rem;margin-bottom:24px;padding-bottom:12px;border-bottom:2px solid rgba(255,255,255,.15);color:var(--color-text-primary)}.calculator-tools .lmi-explainer-heading .icon{width:32px;height:32px;background:#ffffff1a;border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center}.calculator-tools .lmi-explainer-heading .icon svg{width:18px;height:18px;stroke:var(--calc-icon-accent);fill:none}.calculator-tools .lmi-zone-status{background:var(--color-surface-elevated);border:1px solid var(--color-border);border-left:6px solid var(--color-primary);border-radius:var(--radius-md);padding:16px 20px;margin-bottom:24px;min-height:140px;overflow-y:auto}.calculator-tools .lmi-zone-status h3{font-size:1.1rem;margin-bottom:8px;color:var(--color-text-primary)}.calculator-tools .lmi-zone-status p{margin:0;font-size:.95rem;color:var(--color-text-secondary);line-height:1.5}.calculator-tools .ipe-simplified-lvr-slider{width:100%;height:6px;-webkit-appearance:none;appearance:none;background:linear-gradient(to right,#38bdf8 var(--ipe-lvr-pct, 0%),var(--color-surface-elevated) var(--ipe-lvr-pct, 0%));border-radius:9999px;outline:none}.calculator-tools .ipe-simplified-lvr-slider::-moz-range-progress{background:#38bdf8;height:6px;border-radius:9999px}.calculator-tools .ipe-simplified-lvr-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;background:#38bdf8;border-radius:50%;cursor:pointer;border:2px solid var(--color-background)}.calculator-tools .ipe-simplified-lvr-slider::-moz-range-thumb{width:22px;height:22px;background:#38bdf8;border-radius:50%;cursor:pointer;border:2px solid var(--color-background)}.calculator-tools .lmi-slider-group{margin-bottom:32px}.calculator-tools .lmi-slider-group label{display:block;margin-bottom:8px;font-weight:600;color:var(--color-text-primary)}.calculator-tools .lmi-lvr-slider{width:100%;height:8px;-webkit-appearance:none;appearance:none;background:var(--color-surface-elevated);border-radius:9999px;outline:none}.calculator-tools .lmi-lvr-slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;background:var(--calc-bar-fill);border-radius:50%;cursor:pointer;border:2px solid var(--color-background)}.calculator-tools .lmi-lvr-slider::-moz-range-thumb{width:24px;height:24px;background:var(--calc-bar-fill);border-radius:50%;cursor:pointer;border:2px solid var(--color-background)}.calculator-tools .lmi-slider-labels{display:flex;justify-content:space-between;margin-top:6px;font-size:.8rem;color:var(--color-text-muted);position:relative}.calculator-tools .lmi-slider-labels .lmi-slider-value{position:absolute;transform:translate(-50%);font-weight:600;color:var(--color-primary)}.calculator-tools .lmi-bar-chart{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:flex-end;height:200px;margin-bottom:24px;padding-bottom:8px;border-bottom:2px solid var(--color-border)}.calculator-tools .lmi-bar-container{display:flex;flex-direction:column;align-items:center;height:100%;position:relative}.calculator-tools .lmi-bar-value{font-size:.85rem;font-weight:700;color:var(--color-text-primary);margin-bottom:8px;min-height:1.2em}.calculator-tools .lmi-bar{width:100%;max-width:80px;margin:0 auto;min-height:4px;border-radius:var(--radius-md) var(--radius-md) 0 0;background:var(--calc-bar-fill);transition:height .3s ease,background-color .3s ease}.calculator-tools .lmi-bar-lmi{background:repeating-linear-gradient(45deg,transparent,transparent 5px,var(--calc-bar-lmi) 5px,var(--calc-bar-lmi) 10px)!important}.calculator-tools .lmi-bar-label{font-size:.8rem;color:var(--color-text-muted);text-align:center;margin-top:8px;line-height:1.2}.calculator-tools .lmi-insight-callout{background:#ffffff14;border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:16px 20px}.calculator-tools .lmi-insight-callout p{margin:0;font-size:.95rem;font-weight:600;color:var(--color-text-primary);line-height:1.5}.calculator-tools .dhu-disclaimer{font-size:.9rem;color:var(--color-text-muted);margin-bottom:20px;line-height:1.5;border-left:3px solid var(--color-border);padding-left:12px}.calculator-tools .dhu-list{display:flex;flex-direction:column;gap:10px}.calculator-tools .dhu-item{display:flex;align-items:flex-start;gap:12px;padding:14px 16px;border:1.5px solid var(--color-border);border-radius:var(--radius-md);cursor:pointer;transition:border-color var(--calc-transition),background var(--calc-transition);background:var(--color-surface)}.calculator-tools .dhu-item:hover{border-color:#fff3;background:var(--color-surface-elevated)}.calculator-tools .dhu-item--checked{border-color:var(--color-primary);background:#ffffff14}.calculator-tools .dhu-checkbox-input{position:absolute;opacity:0;width:0;height:0}.calculator-tools .dhu-checkbox__box{width:20px;height:20px;min-width:20px;border:2px solid var(--color-border);border-radius:var(--radius-sm);background:var(--color-surface-elevated);display:flex;align-items:center;justify-content:center;margin-top:2px;transition:all var(--calc-transition)}.calculator-tools .dhu-item--checked .dhu-checkbox__box{background:var(--color-primary);border-color:var(--color-primary)}.calculator-tools .dhu-item--checked .dhu-checkbox__box:after{content:"";width:5px;height:10px;border:solid var(--color-background);border-width:0 2px 2px 0;transform:rotate(45deg) translateY(-1px)}.calculator-tools .dhu-item-name{font-weight:700;font-size:.95rem;color:var(--color-text-primary)}.calculator-tools .dhu-item-meta{font-size:.83rem;color:var(--color-text-secondary)}.calculator-tools .dhu-gap-number{font-size:2rem!important;color:var(--calc-alert-error)!important;margin-bottom:8px}.calculator-tools .sme-slider-wrap{display:flex;flex-direction:column;gap:4px}.calculator-tools .sme-slider-wrap .sme-slider-value{font-weight:700;font-size:1rem;color:var(--color-primary);order:-1}.calculator-tools .sme-section-heading{font-size:.95rem;font-weight:600;color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.04em;margin:24px 0 12px;padding-top:16px;border-top:1px solid var(--color-border)}.calculator-tools .sme-section-heading:first-of-type{margin-top:0;padding-top:0;border-top:none}.calculator-tools .bcrf-slider-wrap{margin-top:10px;padding:8px 0}.calculator-tools .bcrf-cost-slider{display:block;width:100%;min-height:8px;background:var(--color-border)!important;border:1px solid var(--color-border)}.calculator-tools .ltg-actions{display:flex;gap:10px;margin-bottom:20px}.calculator-tools .ltg-pool{display:flex;flex-wrap:wrap;gap:10px;min-height:72px;padding:16px;background:var(--color-surface-elevated);border:2px dashed var(--color-border);border-radius:var(--radius-lg);transition:border-color var(--calc-transition),background var(--calc-transition)}.calculator-tools .ltg-pool.drag-over{border-color:var(--color-primary);background:#ffffff0d}.calculator-tools .ltg-pool-empty{font-size:.9rem;color:var(--color-text-muted);align-self:center}.calculator-tools .ltg-states-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.calculator-tools .ltg-state-zone{min-height:140px;padding:14px;background:var(--color-surface-elevated);border:2px solid var(--color-border);border-radius:var(--radius-lg);transition:border-color var(--calc-transition),background var(--calc-transition)}.calculator-tools .ltg-state-zone.drag-over{border-color:var(--color-primary);background:#ffffff0d}.calculator-tools .ltg-state-header{font-size:1rem;font-weight:700;color:var(--color-text-primary);margin-bottom:8px}.calculator-tools .ltg-house{display:inline-flex;align-items:center;gap:6px;padding:6px 10px;background:var(--color-surface);border:2px solid var(--color-border);border-radius:var(--radius-md);cursor:grab;transition:border-color var(--calc-transition)}.calculator-tools .ltg-house:hover{border-color:#fff3}.calculator-tools .ltg-house:active{cursor:grabbing}.calculator-tools .ltg-house-icon svg{width:22px;height:22px;stroke:var(--calc-icon-accent);fill:none}.calculator-tools .ltg-house-value{font-size:.85rem;font-weight:700;color:var(--color-text-primary)}.calculator-tools .ltg-tax-zero{background:#22c55e33;color:var(--calc-alert-success)}.calculator-tools .ltg-tax-low{background:#eab30833;color:var(--calc-alert-warning)}.calculator-tools .ltg-tax-high{background:#ef444433;color:var(--calc-alert-error)}.calculator-tools .ltg-trash-zone{display:flex;align-items:center;justify-content:center;width:44px;height:44px;border:2px dashed var(--color-border);border-radius:var(--radius-md);color:var(--color-text-muted);transition:border-color var(--calc-transition)}.calculator-tools 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