/* heloc-payment-calculator — HELOC draw vs repayment shock simulator */

/* ============================================================
   Prime Rate Badge (live FRED data display)
   ============================================================ */
.evvy-rate-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: color-mix(in srgb, var(--cluster-dark) 9%, transparent);
  border: 1px solid color-mix(in srgb, var(--cluster-dark) 25%, transparent);
  color: var(--cluster-dark);
  padding: 0.35rem 0.75rem;
  border-radius: 50rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  margin-bottom: 0.5rem;
}
.evvy-rate-badge .evvy-rate-badge-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #198754;
  box-shadow: 0 0 0 0 rgba(25, 135, 84, 0.7);
  animation: heloc-pulse-dot 2s infinite;
}
@keyframes heloc-pulse-dot {
  0%   { box-shadow: 0 0 0 0 rgba(25, 135, 84, 0.65); }
  70%  { box-shadow: 0 0 0 10px rgba(25, 135, 84, 0); }
  100% { box-shadow: 0 0 0 0 rgba(25, 135, 84, 0); }
}

/* ============================================================
   Property grid — 2-column inputs
   ============================================================ */
.evvy-heloc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.evvy-heloc-grid .form-label,
.evvy-heloc-sublabel {
  font-size: 0.8125rem;
  font-weight: 500;
  margin-bottom: 0.25rem;
  display: block;
  color: var(--evvy-text-secondary, #666);
}
.evvy-heloc-grid .form-text {
  font-size: 0.72rem;
  margin-top: 0.25rem;
  color: var(--evvy-text-secondary, #888);
}

/* Equity summary readout */
.evvy-equity-summary {
  margin-top: 0.75rem;
  padding: 0.75rem 1rem;
  background: var(--cluster-surface);
  border: 1px solid color-mix(in srgb, var(--cluster-dark) 15%, transparent);
  border-radius: var(--evvy-radius-lg, 12px);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  font-size: 0.8125rem;
}
.evvy-equity-summary-item {
  text-align: center;
}
.evvy-equity-summary-label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--evvy-text-secondary, #666);
  margin-bottom: 0.25rem;
}
.evvy-equity-summary-value {
  font-weight: 700;
  font-size: 0.95rem;
  font-variant-numeric: tabular-nums;
  color: var(--cluster-dark);
}
[data-bs-theme="dark"] .evvy-equity-summary {
  background: color-mix(in srgb, var(--cluster-surface) 18%, var(--evvy-gray-100, #1E1E1E));
}

/* ============================================================
   Draw amount slider (range slider inline)
   ============================================================ */
.evvy-draw-slider-wrap {
  margin-top: 0.5rem;
  padding: 0.25rem 0.1rem;
}
.evvy-draw-slider-wrap input[type="range"] {
  width: 100%;
  accent-color: var(--cluster-dark);
}
.evvy-draw-slider-hint {
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  color: var(--evvy-text-secondary, #888);
  margin-top: 0.2rem;
  font-variant-numeric: tabular-nums;
}

/* ============================================================
   Rate scenario slider wrap
   ============================================================ */
.evvy-scenario-wrap {
  margin-top: 0.5rem;
  padding: 0.9rem 1rem;
  background: color-mix(in srgb, #fd7e14 8%, transparent);
  border: 1px dashed color-mix(in srgb, #fd7e14 40%, transparent);
  border-radius: var(--evvy-radius-lg, 12px);
}
.evvy-scenario-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: #b45309;
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  gap: 0.35rem;
}
[data-bs-theme="dark"] .evvy-scenario-label { color: #fbbf24; }
.evvy-scenario-display {
  display: inline-block;
  font-weight: 700;
  color: var(--cluster-dark);
  background: #fff;
  padding: 0.1rem 0.55rem;
  border-radius: 50rem;
  margin-left: 0.4rem;
  font-variant-numeric: tabular-nums;
}
[data-bs-theme="dark"] .evvy-scenario-display {
  background: var(--evvy-gray-100, #1E1E1E);
}

/* ============================================================
   Current rate readout line
   ============================================================ */
.evvy-rate-readout {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: var(--evvy-text-secondary, #666);
  margin-top: 0.25rem;
  padding: 0.35rem 0.75rem;
  background: var(--bs-body-bg, #fff);
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: 50rem;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
  font-variant-numeric: tabular-nums;
}
.evvy-rate-readout strong {
  color: var(--cluster-dark);
  font-size: 1rem;
}
[data-bs-theme="dark"] .evvy-rate-readout { background: var(--evvy-gray-100, #1E1E1E); }

/* ============================================================
   THE SIGNATURE MOMENT — Payment Shock Panel
   Dramatic transition: draw (calm, green) → shock (red, alarming)
   ============================================================ */
.evvy-shock-panel {
  margin-top: 1.25rem;
  background: var(--bs-body-bg, #fff);
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: var(--evvy-radius-lg, 12px);
  padding: 1.25rem 1.25rem 1.5rem;
  overflow: hidden;
  position: relative;
}
[data-bs-theme="dark"] .evvy-shock-panel {
  background: var(--evvy-gray-100, #1E1E1E);
}
.evvy-shock-header {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--evvy-text-secondary, #666);
  text-align: center;
  margin-bottom: 0.9rem;
}
.evvy-shock-stage {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 1rem;
  align-items: stretch;
  position: relative;
}

/* Individual phase card */
.evvy-shock-phase {
  padding: 1rem 1rem 1.1rem;
  border-radius: var(--evvy-radius-lg, 12px);
  text-align: center;
  position: relative;
  transition: transform 0.3s ease;
  border: 1px solid transparent;
}
.evvy-shock-phase-label {
  font-size: 0.675rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.82;
  margin-bottom: 0.2rem;
}
.evvy-shock-phase-sublabel {
  font-size: 0.6875rem;
  opacity: 0.7;
  margin-bottom: 0.6rem;
  font-weight: 500;
}
.evvy-shock-phase-value {
  font-size: 1.85rem;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  line-height: 1.05;
}
.evvy-shock-phase-suffix {
  font-size: 0.7rem;
  font-weight: 600;
  opacity: 0.7;
  margin-top: 0.25rem;
  display: block;
}

/* Draw phase (calm/green) */
.evvy-shock-phase-draw {
  background: linear-gradient(160deg,
    color-mix(in srgb, #198754 12%, var(--bs-body-bg, #fff)) 0%,
    color-mix(in srgb, #eab308 10%, var(--bs-body-bg, #fff)) 100%);
  border-color: color-mix(in srgb, #198754 30%, transparent);
  color: #0f5132;
}
[data-bs-theme="dark"] .evvy-shock-phase-draw {
  background: linear-gradient(160deg,
    color-mix(in srgb, #198754 22%, var(--evvy-gray-100, #1E1E1E)) 0%,
    color-mix(in srgb, #eab308 14%, var(--evvy-gray-100, #1E1E1E)) 100%);
  color: #86efac;
}

/* Repayment phase (alarm/red) */
.evvy-shock-phase-repay {
  background: linear-gradient(160deg,
    color-mix(in srgb, #dc3545 14%, var(--bs-body-bg, #fff)) 0%,
    color-mix(in srgb, #be185d 10%, var(--bs-body-bg, #fff)) 100%);
  border-color: color-mix(in srgb, #dc3545 32%, transparent);
  color: #842029;
}
[data-bs-theme="dark"] .evvy-shock-phase-repay {
  background: linear-gradient(160deg,
    color-mix(in srgb, #dc3545 28%, var(--evvy-gray-100, #1E1E1E)) 0%,
    color-mix(in srgb, #be185d 18%, var(--evvy-gray-100, #1E1E1E)) 100%);
  color: #fca5a5;
}

/* Phase card pulsing alarm glow on shock */
.evvy-shock-phase-repay.evvy-shock-alarm {
  animation: heloc-shock-glow 1.8s ease-out 1;
}
@keyframes heloc-shock-glow {
  0%   { box-shadow: 0 0 0 0 rgba(220, 53, 69, 0.0); transform: scale(1); }
  25%  { box-shadow: 0 0 0 6px rgba(220, 53, 69, 0.35); transform: scale(1.03); }
  60%  { box-shadow: 0 0 0 14px rgba(220, 53, 69, 0.08); transform: scale(1.01); }
  100% { box-shadow: 0 0 0 0 rgba(220, 53, 69, 0.0); transform: scale(1); }
}

/* Arrow between phases */
.evvy-shock-arrow {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 0 0.25rem;
  position: relative;
  min-width: 80px;
}
.evvy-shock-arrow-svg {
  width: 70px;
  height: 28px;
  overflow: visible;
}
.evvy-shock-arrow-path {
  stroke: var(--cluster-dark);
  stroke-width: 3;
  fill: none;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 120;
  stroke-dashoffset: 120;
  transition: stroke-dashoffset 0.9s ease 0.1s, stroke 0.3s ease;
}
.evvy-shock-arrow.is-shocked .evvy-shock-arrow-path {
  stroke-dashoffset: 0;
  stroke: #dc3545;
}
.evvy-shock-arrow-label {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--cluster-dark);
  margin-top: 0.35rem;
  text-align: center;
  white-space: nowrap;
  transition: color 0.3s ease;
}
.evvy-shock-arrow.is-shocked .evvy-shock-arrow-label {
  color: #dc3545;
}
.evvy-shock-jump-badge {
  display: inline-block;
  background: #dc3545;
  color: #fff;
  padding: 0.22rem 0.55rem;
  border-radius: 50rem;
  font-size: 0.72rem;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  margin-top: 0.35rem;
  opacity: 0;
  transform: translateY(-6px);
  transition: opacity 0.4s ease 0.6s, transform 0.4s ease 0.6s;
  white-space: nowrap;
}
.evvy-shock-arrow.is-shocked .evvy-shock-jump-badge {
  opacity: 1;
  transform: translateY(0);
}

/* Shock alert callout below stage */
.evvy-shock-alert {
  margin-top: 1rem;
  padding: 0.85rem 1rem;
  background: color-mix(in srgb, #dc3545 9%, transparent);
  border: 1px solid color-mix(in srgb, #dc3545 30%, transparent);
  border-radius: var(--evvy-radius-lg, 12px);
  font-size: 0.86rem;
  line-height: 1.45;
  color: var(--evvy-text-primary, #333);
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
}
.evvy-shock-alert i {
  color: #dc3545;
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
}
.evvy-shock-alert strong { color: #dc3545; }

/* ============================================================
   Rate Increase Impact block (stress test)
   ============================================================ */
.evvy-stress-panel {
  margin-top: 1rem;
  padding: 1rem 1.15rem;
  background: color-mix(in srgb, #fd7e14 7%, transparent);
  border: 1px solid color-mix(in srgb, #fd7e14 25%, transparent);
  border-radius: var(--evvy-radius-lg, 12px);
  font-size: 0.85rem;
}
.evvy-stress-header {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: #b45309;
  margin-bottom: 0.55rem;
}
[data-bs-theme="dark"] .evvy-stress-header { color: #fbbf24; }
.evvy-stress-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.6rem;
}
.evvy-stress-item {
  background: var(--bs-body-bg, #fff);
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: 10px;
  padding: 0.6rem 0.75rem;
  text-align: center;
}
[data-bs-theme="dark"] .evvy-stress-item {
  background: var(--evvy-gray-100, #1E1E1E);
}
.evvy-stress-item-label {
  font-size: 0.66rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--evvy-text-secondary, #666);
  margin-bottom: 0.15rem;
}
.evvy-stress-item-value {
  font-size: 1.05rem;
  font-weight: 800;
  color: #dc3545;
  font-variant-numeric: tabular-nums;
}
.evvy-stress-item-delta {
  font-size: 0.72rem;
  font-weight: 600;
  color: #b45309;
  margin-top: 0.1rem;
}
[data-bs-theme="dark"] .evvy-stress-item-delta { color: #fbbf24; }

/* ============================================================
   Prime Rate History Chart (SVG)
   ============================================================ */
.evvy-prime-chart-wrap {
  margin-top: 0.75rem;
  padding: 1rem 0.75rem 0.5rem;
  background: var(--bs-body-bg, #fff);
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: var(--evvy-radius-lg, 12px);
}
[data-bs-theme="dark"] .evvy-prime-chart-wrap {
  background: var(--evvy-gray-100, #1E1E1E);
}
.evvy-prime-chart-svg {
  width: 100%;
  height: auto;
  display: block;
  overflow: visible;
}
.evvy-prime-chart-grid {
  stroke: var(--evvy-border-color, #DEE2E6);
  stroke-width: 1;
  stroke-dasharray: 3 4;
  opacity: 0.55;
}
.evvy-prime-chart-axis {
  stroke: var(--evvy-border-color, #999);
  stroke-width: 1;
}
.evvy-prime-chart-label {
  font-size: 10px;
  fill: var(--evvy-text-secondary, #666);
  font-variant-numeric: tabular-nums;
}
.evvy-prime-chart-area {
  fill: url(#helocPrimeGrad);
  opacity: 0.85;
}
.evvy-prime-chart-line {
  fill: none;
  stroke: var(--cluster-dark);
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 2000;
  stroke-dashoffset: 2000;
  animation: heloc-chart-draw 2.2s ease-out 0.2s forwards;
}
@keyframes heloc-chart-draw {
  to { stroke-dashoffset: 0; }
}
.evvy-prime-chart-point {
  fill: var(--bs-body-bg, #fff);
  stroke: var(--cluster-dark);
  stroke-width: 2;
  opacity: 0;
  animation: heloc-chart-fade 0.3s ease forwards;
}
[data-bs-theme="dark"] .evvy-prime-chart-point {
  fill: var(--evvy-gray-100, #1E1E1E);
}
@keyframes heloc-chart-fade { to { opacity: 1; } }
.evvy-prime-chart-callout {
  font-size: 9px;
  fill: var(--evvy-text-secondary, #666);
  font-weight: 600;
}
.evvy-prime-chart-hi {
  fill: #dc3545;
  font-weight: 700;
  font-size: 10px;
}
.evvy-prime-chart-legend {
  font-size: 0.78rem;
  color: var(--evvy-text-secondary, #666);
  text-align: center;
  margin-top: 0.35rem;
  line-height: 1.45;
}
.evvy-prime-chart-legend strong { color: var(--cluster-dark); }

/* ============================================================
   Full Amortization Schedule (premium)
   ============================================================ */
.evvy-heloc-amort-wrap {
  margin-top: 0.75rem;
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: var(--evvy-radius-lg, 12px);
  max-height: 480px;
  overflow-y: auto;
  overflow-x: auto;
  background: var(--bs-body-bg, #fff);
}
[data-bs-theme="dark"] .evvy-heloc-amort-wrap {
  background: var(--evvy-gray-100, #1E1E1E);
}
.evvy-heloc-amort-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
}
.evvy-heloc-amort-table thead th {
  position: sticky;
  top: 0;
  background: var(--cluster-surface);
  font-size: 0.66rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--evvy-text-secondary, #666);
  padding: 0.5rem 0.55rem;
  text-align: right;
  border-bottom: 1px solid var(--evvy-border-color, #DEE2E6);
  z-index: 1;
}
[data-bs-theme="dark"] .evvy-heloc-amort-table thead th {
  background: color-mix(in srgb, var(--cluster-surface) 18%, var(--evvy-gray-100, #1E1E1E));
}
.evvy-heloc-amort-table thead th:first-child,
.evvy-heloc-amort-table tbody td:first-child { text-align: left; }
.evvy-heloc-amort-table thead th:nth-child(2),
.evvy-heloc-amort-table tbody td:nth-child(2) { text-align: center; }
.evvy-heloc-amort-table tbody td {
  padding: 0.38rem 0.55rem;
  text-align: right;
  border-bottom: 1px solid color-mix(in srgb, var(--evvy-border-color, #DEE2E6) 60%, transparent);
  font-variant-numeric: tabular-nums;
}
.evvy-heloc-amort-phase-pill {
  display: inline-block;
  padding: 0.12rem 0.5rem;
  border-radius: 50rem;
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.evvy-heloc-amort-phase-draw {
  background: color-mix(in srgb, #198754 18%, transparent);
  color: #0f5132;
}
[data-bs-theme="dark"] .evvy-heloc-amort-phase-draw {
  background: color-mix(in srgb, #198754 30%, transparent);
  color: #86efac;
}
.evvy-heloc-amort-phase-repay {
  background: color-mix(in srgb, #dc3545 18%, transparent);
  color: #842029;
}
[data-bs-theme="dark"] .evvy-heloc-amort-phase-repay {
  background: color-mix(in srgb, #dc3545 30%, transparent);
  color: #fca5a5;
}
.evvy-heloc-amort-divider td {
  background: color-mix(in srgb, #dc3545 8%, transparent);
  border-top: 2px solid #dc3545;
  border-bottom: 2px solid #dc3545;
  font-weight: 700;
  text-align: center;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #842029;
  padding: 0.5rem;
}
[data-bs-theme="dark"] .evvy-heloc-amort-divider td {
  background: color-mix(in srgb, #dc3545 16%, var(--evvy-gray-100, #1E1E1E));
  color: #fca5a5;
}

/* ============================================================
   HEL vs HELOC premium comparison
   ============================================================ */
.evvy-hel-compare {
  margin-top: 0.75rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.evvy-hel-compare-card {
  background: var(--bs-body-bg, #fff);
  border: 1px solid var(--evvy-border-color, #DEE2E6);
  border-radius: var(--evvy-radius-lg, 12px);
  padding: 0.85rem 1rem 0.95rem;
}
[data-bs-theme="dark"] .evvy-hel-compare-card {
  background: var(--evvy-gray-100, #1E1E1E);
}
.evvy-hel-compare-card.is-winner {
  border-color: var(--cluster-dark);
  box-shadow: 0 0 0 2px color-mix(in srgb, var(--cluster-dark) 18%, transparent);
}
.evvy-hel-compare-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--cluster-dark);
  margin-bottom: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.evvy-hel-compare-title-badge {
  background: #198754;
  color: #fff;
  font-size: 0.6rem;
  font-weight: 800;
  padding: 0.15rem 0.4rem;
  border-radius: 50rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  display: none;
}
.evvy-hel-compare-card.is-winner .evvy-hel-compare-title-badge { display: inline-block; }
.evvy-hel-compare-row {
  display: flex;
  justify-content: space-between;
  padding: 0.28rem 0;
  font-size: 0.82rem;
  border-bottom: 1px dashed color-mix(in srgb, var(--evvy-border-color, #DEE2E6) 60%, transparent);
}
.evvy-hel-compare-row:last-child { border-bottom: none; }
.evvy-hel-compare-row span:first-child { color: var(--evvy-text-secondary, #666); }
.evvy-hel-compare-row span:last-child {
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.evvy-hel-input-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 0.75rem;
}

/* ============================================================
   Mobile
   ============================================================ */
@media (max-width: 767.98px) {
  .evvy-equity-summary { grid-template-columns: repeat(2, 1fr); }
  .evvy-shock-stage { grid-template-columns: 1fr; gap: 0.4rem; }
  .evvy-shock-arrow { min-width: 100%; padding: 0.4rem 0; }
  .evvy-shock-arrow-svg { transform: rotate(90deg); }
  .evvy-shock-phase-value { font-size: 1.6rem; }
  .evvy-stress-row { grid-template-columns: 1fr; }
  .evvy-hel-compare { grid-template-columns: 1fr; }
  .evvy-hel-input-row { grid-template-columns: 1fr; }
}
@media (max-width: 575.98px) {
  .evvy-heloc-grid { grid-template-columns: 1fr; }
  #results-area .evvy-results-row { grid-template-columns: 1fr !important; }
}