/* ============================================================
   Interest Rate Impact Calculator
   HipotekaAI | Cyan/Teal Theme
   ============================================================ */

/* 1. Hero section
   ------------------------------------------------------------ */
.ir-hero {
    background: linear-gradient(135deg, #1E3A5F 0%, #0891B2 60%, #06B6D4 100%);
    color: white;
    padding: 80px 0 60px;
    text-align: center;
}

.ir-hero h1 {
    font-size: 2.6rem;
    font-weight: 900;
    margin-bottom: 20px;
}

.ir-hero .lead {
    font-size: 1.15rem;
    opacity: 0.92;
    max-width: 650px;
    margin: 0 auto 24px;
}

.ir-hero-badges {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    justify-content: center;
}

.ir-hero-badge {
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.35);
    border-radius: 24px;
    padding: 8px 18px;
    font-size: 0.9rem;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

/* 2. Guide section
   ------------------------------------------------------------ */
.ir-guide-section {
    padding: 40px 0 0;
    background: #f8faff;
}

.ir-guide-card {
    background: white;
    border-radius: 16px;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
    border: 1px solid #f0f0f5;
    overflow: hidden;
}

.ir-guide-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 28px;
    cursor: pointer;
    gap: 16px;
    transition: background 0.2s;
}

.ir-guide-header:hover {
    background: #fafbfc;
}

.ir-guide-header-left {
    display: flex;
    align-items: center;
    gap: 14px;
}

.ir-guide-title {
    font-size: 1.1rem;
    font-weight: 700;
    color: #1E3A5F;
    margin: 0;
}

.ir-guide-subtitle {
    font-size: 0.85rem;
    color: #94a3b8;
    margin: 2px 0 0;
}

.ir-guide-chevron {
    transition: transform 0.3s ease;
}

.ir-guide-header[aria-expanded="true"] .ir-guide-chevron {
    transform: rotate(180deg);
}

.ir-guide-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.ir-guide-body.ir-guide-open {
    max-height: 2000px;
}

.ir-guide-steps {
    padding: 8px 28px 28px;
    display: flex;
    flex-direction: column;
    gap: 20px;
    border-top: 1px solid #f0f0f5;
}

.ir-guide-step {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.ir-guide-step-number {
    width: 32px;
    height: 32px;
    min-width: 32px;
    border-radius: 50%;
    background: linear-gradient(135deg, #0891B2, #06B6D4);
    color: white;
    font-weight: 800;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 2px;
}

.ir-guide-step-content h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: #1E3A5F;
    margin: 0 0 4px;
}

.ir-guide-step-content p {
    font-size: 0.9rem;
    color: #475569;
    line-height: 1.6;
    margin: 0;
}

.ir-guide-example {
    margin-top: 6px;
    font-size: 0.82rem;
    color: #0E7490;
    background: #ecfeff;
    border-left: 3px solid #06B6D4;
    padding: 8px 12px;
    border-radius: 0 8px 8px 0;
    line-height: 1.5;
}

@media (max-width: 767px) {
    .ir-guide-header {
        padding: 16px 18px;
    }

    .ir-guide-steps {
        padding: 8px 18px 20px;
    }

    .ir-guide-step-number {
        width: 28px;
        height: 28px;
        min-width: 28px;
        font-size: 0.8rem;
    }
}

/* 2b. Calculator section
   ------------------------------------------------------------ */
.ir-calculator-section {
    padding: 56px 0;
    background: #f8faff;
}

/* 3. Card
   ------------------------------------------------------------ */
.ir-card {
    background: white;
    border-radius: 24px;
    padding: 2.5rem;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
    border: 1px solid #f0f0f5;
}

.ir-card-header {
    text-align: center;
    margin-bottom: 32px;
}

.ir-card-title {
    font-size: 1.5rem;
    font-weight: 800;
    color: #1E3A5F;
}

.ir-card-subtitle {
    color: #64748b;
    font-size: 0.95rem;
    margin-top: 8px;
}

/* 4. Form layout — aligned two-column grid
   ------------------------------------------------------------ */
.ir-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0 32px;
    align-items: start;
}

.ir-form-grid .ir-form-group {
    margin-bottom: 24px;
}

/* 4b. Form elements
   ------------------------------------------------------------ */
.ir-form-group {
    margin-bottom: 24px;
}

.ir-form-label {
    display: block;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 8px;
    font-size: 0.95rem;
}

.ir-form-input {
    width: 100%;
    border: 2px solid #e5e7eb;
    border-radius: 12px;
    padding: 14px 16px;
    font-size: 1rem;
    font-family: 'Inter', sans-serif;
    transition: all 0.3s ease;
    background: #fafbfc;
}

.ir-form-input:focus {
    outline: none;
    border-color: #0891B2;
    box-shadow: 0 0 0 3px rgba(8, 145, 178, 0.1);
    transform: translateY(-1px);
}

.ir-form-hint {
    font-size: 0.82rem;
    color: #94a3b8;
    margin-top: 6px;
}

/* 5. Slider
   ------------------------------------------------------------ */
.ir-slider-row {
    margin-top: 8px;
}

input[type="range"].ir-range {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: #e5e7eb;
    border-radius: 6px;
    outline: none;
    transition: background 0.3s;
}

input[type="range"].ir-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: linear-gradient(135deg, #0891B2, #06B6D4);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(8, 145, 178, 0.4);
    transition: transform 0.2s;
}

input[type="range"].ir-range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

input[type="range"].ir-range::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: linear-gradient(135deg, #0891B2, #06B6D4);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(8, 145, 178, 0.4);
}

.ir-value-display {
    text-align: center;
    font-size: 0.85rem;
    color: #64748b;
    margin-top: 4px;
}

/* 5b. Special rate change slider
   ------------------------------------------------------------ */
.ir-rate-change-group {
    grid-column: 1 / -1;
    background: linear-gradient(135deg, #f0fdfa 0%, #ecfeff 100%);
    border: 2px solid #a5f3fc;
    border-radius: 16px;
    padding: 24px;
    margin-bottom: 8px;
}

.ir-rate-change-label {
    display: block;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 4px;
    font-size: 1rem;
}

.ir-rate-change-sublabel {
    font-size: 0.85rem;
    color: #64748b;
    margin-bottom: 16px;
}

.ir-rate-change-display {
    text-align: center;
    margin-bottom: 16px;
}

.ir-rate-change-value {
    font-size: 2.4rem;
    font-weight: 900;
    transition: color 0.2s;
}

.ir-rate-change-value.positive {
    color: #dc2626;
}

.ir-rate-change-value.negative {
    color: #059669;
}

.ir-rate-change-value.neutral {
    color: #64748b;
}

.ir-rate-change-unit {
    font-size: 1rem;
    color: #64748b;
    margin-left: 4px;
    font-weight: 600;
}

.ir-rate-change-description {
    font-size: 0.85rem;
    color: #475569;
    margin-top: 4px;
}

input[type="range"].ir-range-change {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    background: linear-gradient(to right, #059669 0%, #e5e7eb 37.5%, #dc2626 100%);
    border-radius: 6px;
    outline: none;
}

input[type="range"].ir-range-change::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: white;
    border: 3px solid #0891B2;
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.15);
    transition: transform 0.2s;
}

input[type="range"].ir-range-change::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

input[type="range"].ir-range-change::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: white;
    border: 3px solid #0891B2;
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.15);
}

.ir-rate-change-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.78rem;
    color: #94a3b8;
    margin-top: 6px;
}

/* 6. Primary button
   ------------------------------------------------------------ */
.btn-ir-primary {
    background: linear-gradient(135deg, #0891B2, #06B6D4);
    color: white;
    border: none;
    border-radius: 12px;
    padding: 16px 32px;
    font-size: 1.05rem;
    font-weight: 700;
    cursor: pointer;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    transition: all 0.3s ease;
    margin-top: 8px;
}

.btn-ir-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(8, 145, 178, 0.3);
}

/* 7. Secondary button
   ------------------------------------------------------------ */
.btn-ir-secondary {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    border: 2px solid #e5e7eb;
    background: white;
    border-radius: 10px;
    padding: 10px 20px;
    font-size: 0.9rem;
    color: #64748b;
    cursor: pointer;
    transition: all 0.2s ease;
    font-weight: 600;
}

.btn-ir-secondary:hover {
    border-color: #0891B2;
    color: #0891B2;
}

/* 8. Result card
   ------------------------------------------------------------ */
.ir-result-card {
    margin-top: 32px;
    padding: 32px;
    border: 2px solid #f0f0f5;
    border-radius: 20px;
    background: linear-gradient(to bottom, #f0fdfa, #fff);
}

/* Main comparison grid — two boxes side by side */
.ir-comparison-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 24px;
}

.ir-comparison-box {
    padding: 24px;
    border-radius: 16px;
    background: white;
    border: 2px solid #f0f0f5;
    text-align: center;
}

.ir-comparison-box.current {
    border-top: 4px solid #0891B2;
}

.ir-comparison-box.simulated {
    border-top: 4px solid #D97706;
}

.ir-comparison-box-title {
    font-size: 0.85rem;
    color: #64748b;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.ir-comparison-box-rate {
    font-size: 1.6rem;
    font-weight: 900;
    color: #1E3A5F;
    margin-bottom: 4px;
}

.ir-comparison-box-payment {
    font-size: 1.1rem;
    font-weight: 700;
    color: #334155;
}

/* Difference display */
.ir-difference {
    text-align: center;
    padding: 16px;
    background: #f8fafc;
    border-radius: 12px;
    margin-bottom: 24px;
}

.ir-difference-value {
    font-size: 1.4rem;
    font-weight: 800;
}

.ir-difference-value.cheaper {
    color: #059669;
}

.ir-difference-value.expensive {
    color: #dc2626;
}

.ir-difference-value.neutral {
    color: #64748b;
}

.ir-difference-label {
    font-size: 0.85rem;
    color: #64748b;
    margin-top: 4px;
}

/* Total interest cost card */
.ir-total-cost-card {
    padding: 24px;
    border: 2px solid #f0f0f5;
    border-radius: 16px;
    background: white;
    margin-bottom: 24px;
}

.ir-total-cost-title {
    font-size: 1rem;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 16px;
    text-align: center;
}

.ir-total-cost-grid {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 16px;
    text-align: center;
}

.ir-total-cost-value {
    font-size: 1.2rem;
    font-weight: 800;
    color: #1E3A5F;
}

.ir-total-cost-value.savings {
    color: #059669;
}

.ir-total-cost-value.loss {
    color: #dc2626;
}

.ir-total-cost-label {
    font-size: 0.8rem;
    color: #64748b;
    margin-top: 4px;
}

/* 8b. Chart
   ------------------------------------------------------------ */
.ir-chart-container {
    margin-bottom: 24px;
    padding: 24px;
    border: 2px solid #f0f0f5;
    border-radius: 16px;
    background: white;
}

.ir-chart-title {
    font-size: 1rem;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 16px;
    text-align: center;
}

.ir-chart-wrapper {
    position: relative;
    width: 100%;
    height: 260px;
}

.ir-chart-wrapper svg {
    width: 100%;
    height: 100%;
}

/* 8c. Scenario table
   ------------------------------------------------------------ */
.ir-scenario-section {
    margin-bottom: 24px;
}

.ir-scenario-title {
    font-size: 1rem;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 16px;
    text-align: center;
}

.ir-scenario-table-wrapper {
    overflow-x: auto;
    border-radius: 12px;
}

.ir-scenario-table {
    width: 100%;
    border-collapse: collapse;
    border-radius: 12px;
    overflow: hidden;
}

.ir-scenario-table thead th {
    background: #1E3A5F;
    color: white;
    padding: 12px 16px;
    font-weight: 700;
    font-size: 0.9rem;
    text-align: left;
    white-space: nowrap;
}

.ir-scenario-table thead th:first-child {
    border-radius: 12px 0 0 0;
}

.ir-scenario-table thead th:last-child {
    border-radius: 0 12px 0 0;
}

.ir-scenario-table tbody td {
    padding: 12px 16px;
    border-bottom: 1px solid #f0f0f5;
    font-size: 0.9rem;
    white-space: nowrap;
}

.ir-scenario-table tbody tr:nth-child(even) {
    background: #fafbfc;
}

.ir-scenario-table tbody tr.ir-row-positive td:first-child {
    color: #059669;
    font-weight: 700;
}

.ir-scenario-table tbody tr.ir-row-neutral td:first-child {
    color: #64748b;
    font-weight: 700;
}

.ir-scenario-table tbody tr.ir-row-negative td:first-child {
    color: #dc2626;
    font-weight: 700;
}

.ir-scenario-table tbody tr.ir-row-current {
    background: #ecfeff;
    font-weight: 600;
}

.ir-scenario-table tbody tr:last-child td:first-child {
    border-radius: 0 0 0 12px;
}

.ir-scenario-table tbody tr:last-child td:last-child {
    border-radius: 0 0 12px 0;
}

.ir-scenario-diff-positive {
    color: #059669;
    font-weight: 700;
}

.ir-scenario-diff-negative {
    color: #dc2626;
    font-weight: 700;
}

.ir-scenario-diff-neutral {
    color: #64748b;
    font-weight: 600;
}

/* Save row */
.ir-save-row {
    display: flex;
    justify-content: center;
    margin-top: 24px;
}

/* 9. Saved / Compare results
   ------------------------------------------------------------ */
.ir-compare-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px;
}

.ir-compare-card {
    position: relative;
    padding: 20px;
    border: 2px solid #f0f0f5;
    border-radius: 16px;
    background: white;
    text-align: center;
}

.ir-compare-remove {
    position: absolute;
    top: 8px;
    right: 8px;
    background: none;
    border: none;
    font-size: 1.2rem;
    color: #94a3b8;
    cursor: pointer;
    padding: 4px 8px;
    border-radius: 6px;
}

.ir-compare-remove:hover {
    color: #dc2626;
    background: #fef2f2;
}

.ir-compare-big {
    font-size: 1.4rem;
    font-weight: 900;
    margin-bottom: 4px;
}

.ir-compare-big.savings {
    color: #059669;
}

.ir-compare-big.loss {
    color: #dc2626;
}

.ir-compare-big.neutral {
    color: #64748b;
}

.ir-compare-sub {
    font-size: 0.85rem;
    color: #64748b;
    margin-bottom: 12px;
    padding-bottom: 12px;
    border-bottom: 1px solid #f0f0f5;
}

.ir-compare-detail {
    font-size: 0.85rem;
    color: #475569;
    padding: 2px 0;
}

/* 10. Educational section
   ------------------------------------------------------------ */
.ir-edu-section {
    padding: 56px 0;
}

.ir-edu-section h2 {
    font-size: 1.5rem;
    font-weight: 800;
    color: #1E3A5F;
    margin-bottom: 16px;
    margin-top: 40px;
}

.ir-edu-section h2:first-child {
    margin-top: 0;
}

.ir-edu-definition {
    background: linear-gradient(135deg, #ecfeff 0%, #f0fdfa 100%);
    border-left: 4px solid #0891B2;
    padding: 20px 24px;
    border-radius: 0 12px 12px 0;
    margin-bottom: 24px;
    line-height: 1.7;
}

.ir-edu-definition strong {
    color: #0E7490;
}

/* Compare table */
.ir-compare-table {
    width: 100%;
    border-collapse: collapse;
    margin: 20px 0;
    border-radius: 12px;
    overflow: hidden;
}

.ir-compare-table thead th {
    background: #1E3A5F;
    color: white;
    padding: 12px 16px;
    font-weight: 700;
    font-size: 0.9rem;
    text-align: left;
}

.ir-compare-table thead th:first-child {
    border-radius: 12px 0 0 0;
}

.ir-compare-table thead th:last-child {
    border-radius: 0 12px 0 0;
}

.ir-compare-table tbody td {
    padding: 12px 16px;
    border-bottom: 1px solid #f0f0f5;
    font-size: 0.9rem;
}

.ir-compare-table tbody tr:nth-child(even) {
    background: #fafbfc;
}

.ir-compare-table tbody tr:last-child td:first-child {
    border-radius: 0 0 0 12px;
}

.ir-compare-table tbody tr:last-child td:last-child {
    border-radius: 0 0 12px 0;
}

/* Checklist */
.ir-checklist {
    list-style: none;
    padding: 0;
    margin: 20px 0;
}

.ir-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 8px 0;
    font-size: 0.95rem;
}

.ir-check-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    flex-shrink: 0;
}

.ir-check-icon.yes {
    background: #dcfce7;
    color: #059669;
}

.ir-check-icon.warn {
    background: #fef3c7;
    color: #D97706;
}

.ir-check-icon.info {
    background: #e0f2fe;
    color: #0891B2;
}

/* Steps */
.ir-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 24px 0;
}

.ir-step-card {
    background: white;
    border: 2px solid #f0f0f5;
    border-radius: 16px;
    padding: 24px 20px;
    text-align: center;
}

.ir-step-num {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, #0891B2, #06B6D4);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 1.1rem;
    margin: 0 auto 12px;
}

.ir-step-card h3 {
    font-size: 1rem;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 8px;
}

.ir-step-card p {
    font-size: 0.85rem;
    color: #64748b;
    line-height: 1.5;
    margin: 0;
}

/* 11. FAQ section
   ------------------------------------------------------------ */
.ir-faq-section {
    padding: 56px 0;
    background: #f8faff;
}

.ir-faq-section h2 {
    font-size: 1.5rem;
    font-weight: 800;
    color: #1E3A5F;
    margin-bottom: 8px;
}

.ir-faq-lead {
    color: #64748b;
    margin-bottom: 24px;
}

.ir-faq-item {
    border: 2px solid #f0f0f5;
    border-radius: 14px;
    margin-bottom: 12px;
    overflow: hidden;
    background: white;
}

.ir-faq-question {
    padding: 18px 24px;
    font-weight: 700;
    color: #1E3A5F;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    font-size: 0.95rem;
    transition: background 0.2s;
}

.ir-faq-question:hover {
    background: #fafbfc;
}

.ir-faq-chevron {
    transition: transform 0.3s ease;
    flex-shrink: 0;
}

.ir-faq-question.active .ir-faq-chevron {
    transform: rotate(180deg);
}

.ir-faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    padding: 0 24px;
    color: #475569;
    font-size: 0.9rem;
    line-height: 1.7;
}

.ir-faq-answer.open {
    max-height: 1000px;
    padding: 0 24px 18px;
}

/* 12. Related calculators
   ------------------------------------------------------------ */
.ir-related-section {
    padding: 56px 0;
}

.ir-related-section h2 {
    font-size: 1.5rem;
    font-weight: 800;
    color: #1E3A5F;
    margin-bottom: 8px;
}

.ir-related-lead {
    color: #64748b;
    margin-bottom: 24px;
}

.ir-related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.ir-related-card {
    background: white;
    border: 2px solid #f0f0f5;
    border-radius: 16px;
    padding: 24px 20px;
    text-align: center;
    transition: all 0.2s ease;
    text-decoration: none;
    color: inherit;
    display: block;
}

.ir-related-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06);
    border-color: #0891B2;
    text-decoration: none;
    color: inherit;
}

.ir-related-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: linear-gradient(135deg, #ecfeff, #f0fdfa);
    color: #0891B2;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 12px;
}

.ir-related-card h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: #1E3A5F;
    margin-bottom: 6px;
}

.ir-related-card p {
    font-size: 0.82rem;
    color: #64748b;
    line-height: 1.5;
    margin: 0;
}

/* 13. Final CTA
   ------------------------------------------------------------ */
.ir-final-cta {
    background: linear-gradient(135deg, #0E7490 0%, #0891B2 60%, #06B6D4 100%);
    color: white;
    text-align: center;
    padding: 56px 0;
}

.ir-final-cta h2 {
    font-size: 1.8rem;
    font-weight: 900;
    margin-bottom: 12px;
}

.ir-final-cta p {
    opacity: 0.92;
    max-width: 600px;
    margin: 0 auto 24px;
}

.ir-final-cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.btn-cta-white-ir {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: white;
    color: #0E7490;
    padding: 16px 32px;
    border-radius: 12px;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    transition: all 0.3s ease;
}

.btn-cta-white-ir:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
    color: #0E7490;
    text-decoration: none;
}

.btn-cta-outline-ir {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: transparent;
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.5);
    padding: 14px 28px;
    border-radius: 12px;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    transition: all 0.3s ease;
}

.btn-cta-outline-ir:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: white;
    color: white;
    text-decoration: none;
}

/* 14. Toast
   ------------------------------------------------------------ */
.ir-toast {
    position: fixed;
    bottom: 24px;
    left: 50%;
    transform: translateX(-50%) translateY(20px);
    background: #1E3A5F;
    color: white;
    padding: 14px 24px;
    border-radius: 12px;
    font-size: 0.9rem;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
    z-index: 9999;
    opacity: 0;
    transition: opacity 0.3s ease, transform 0.3s ease;
}

.ir-toast-visible {
    opacity: 1;
    transform: translateX(-50%) translateY(0);
}

.ir-toast-content {
    display: flex;
    align-items: center;
    gap: 10px;
}

/* 15. Disclaimer
   ------------------------------------------------------------ */
.ir-disclaimer {
    font-size: 0.82rem;
    color: #94a3b8;
    text-align: center;
    padding: 16px;
    background: #fafbfc;
    border-radius: 10px;
}

/* 16. Responsive
   ------------------------------------------------------------ */
@media (max-width: 991px) {
    .ir-card {
        padding: 1.5rem;
    }

    .ir-hero {
        padding: 60px 0 40px;
    }

    .ir-hero h1 {
        font-size: 2rem;
    }

    .ir-steps {
        grid-template-columns: 1fr;
    }

    .ir-related-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 767px) {
    .ir-form-grid {
        grid-template-columns: 1fr;
    }

    .ir-comparison-grid {
        grid-template-columns: 1fr;
    }

    .ir-total-cost-grid {
        grid-template-columns: 1fr;
    }

    .ir-compare-grid {
        grid-template-columns: 1fr;
    }

    .ir-related-grid {
        grid-template-columns: 1fr;
    }

    .ir-hero {
        padding: 48px 0 32px;
    }

    .ir-hero h1 {
        font-size: 1.7rem;
    }

    .ir-hero .lead {
        font-size: 1rem;
    }

    .ir-result-card {
        padding: 20px;
    }

    .ir-rate-change-value {
        font-size: 2rem;
    }

    .ir-final-cta-buttons {
        flex-direction: column;
        align-items: center;
    }

    .ir-chart-wrapper {
        height: 200px;
    }

    .ir-scenario-table {
        font-size: 0.82rem;
    }

    .ir-scenario-table thead th,
    .ir-scenario-table tbody td {
        padding: 10px 10px;
    }
}

@media (max-width: 480px) {
    .ir-hero h1 {
        font-size: 1.4rem;
    }

    .ir-hero .lead {
        font-size: 0.9rem;
    }

    .ir-card {
        padding: 1rem;
        border-radius: 16px;
    }

    .ir-hero-badges {
        flex-direction: column;
        align-items: center;
    }

    .ir-form-input {
        padding: 12px 14px;
        font-size: 0.95rem;
    }

    .ir-rate-change-group {
        padding: 16px;
    }

    .ir-rate-change-value {
        font-size: 1.7rem;
    }
}