/* ================================================================
   MY SMSF — CALCULATORS PAGE
   All scoped to #msfcalc to avoid Blocksy conflicts
================================================================ */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

#msfcalc { font-family:'Plus Jakarta Sans',-apple-system,sans-serif; color:#1e293b; background:#fff; line-height:1.6; overflow-x:hidden; }
#msfcalc *, #msfcalc *::before, #msfcalc *::after { box-sizing:border-box; margin:0; padding:0; }

/* ── HERO ─────────────────────────────────────────────────── */
#msfcalc .calc-hero {
  position:relative; min-height:400px;
  background:linear-gradient(140deg,#0a3d6c 0%,#0d5aa3 55%,#1e3a8a 100%);
  display:flex; align-items:center; justify-content:center; text-align:center;
  padding:80px 24px 96px; overflow:hidden;
}
#msfcalc .calc-hero::before {
  content:''; position:absolute; inset:0;
  background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:48px 48px;
}
#msfcalc .calc-hero-inner { position:relative; z-index:1; max-width:700px; }
#msfcalc .calc-hero h1 { font-size:clamp(2rem,5vw,3.25rem); font-weight:800; color:#fff; margin:0 0 14px; line-height:1.15; }
#msfcalc .calc-hero p  { font-size:1.0625rem; color:rgba(255,255,255,.8); line-height:1.7; max-width:560px; margin:0 auto; }
#msfcalc .calc-wave { position:absolute; bottom:0; left:0; right:0; line-height:0; z-index:2; }
#msfcalc .calc-wave svg { display:block; width:100%; height:56px; }

/* ── WRAP ─────────────────────────────────────────────────── */
#msfcalc .calc-wrap { max-width:1160px; margin:0 auto; padding:0 24px; }

/* ── INTRO ────────────────────────────────────────────────── */
#msfcalc .calc-intro { padding:56px 24px 40px; text-align:center; }
#msfcalc .calc-intro h2 { font-size:clamp(1.625rem,3vw,2.25rem); font-weight:800; color:#1e293b; margin-bottom:14px; }
#msfcalc .calc-intro p  { font-size:1rem; color:#64748b; line-height:1.75; max-width:760px; margin:0 auto; }
#msfcalc .calc-intro a  { color:#0d5aa3; text-decoration:underline; text-underline-offset:3px; }

/* ── FEATURE CARDS ────────────────────────────────────────── */
#msfcalc .calc-cards { padding:8px 24px 56px; background:#f8fafc; }
#msfcalc .calc-cards-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:20px; max-width:1160px; margin:0 auto; }
#msfcalc .calc-card {
  background:#fff; border-radius:16px; padding:28px 22px;
  border:2px solid #e2e8f0; box-shadow:0 2px 12px rgba(0,0,0,.06);
  cursor:pointer; transition:transform .3s,box-shadow .3s,border-color .3s;
  border-top:4px solid #0d5aa3;
}
#msfcalc .calc-card:hover { transform:translateY(-5px); box-shadow:0 12px 36px rgba(0,0,0,.11); }
#msfcalc .calc-card.active { border-top-color:#f7931a; }
#msfcalc .calc-card-ico { width:56px; height:56px; border-radius:14px; display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
#msfcalc .calc-card h3 { font-size:1rem; font-weight:700; color:#1e293b; margin-bottom:4px; }
#msfcalc .calc-card .sub { font-size:.75rem; font-weight:700; text-transform:uppercase; letter-spacing:.3px; margin-bottom:6px; }
#msfcalc .calc-card p   { font-size:.84rem; color:#64748b; line-height:1.55; }

/* ── TABS ─────────────────────────────────────────────────── */
#msfcalc .calc-tabs-section { padding:48px 24px 72px; }
#msfcalc .calc-tabs-wrap { max-width:1000px; margin:0 auto; }
#msfcalc .calc-tab-nav {
  display:grid; grid-template-columns:repeat(4,1fr); gap:0;
  background:#f1f5f9; border-radius:12px; padding:5px; margin-bottom:32px;
}
#msfcalc .calc-tab-btn {
  padding:12px 8px; border:none; background:transparent; border-radius:9px;
  font-family:inherit; font-size:.875rem; font-weight:600; color:#64748b;
  cursor:pointer; display:flex; align-items:center; justify-content:center; gap:7px;
  transition:background .25s,color .25s,box-shadow .25s;
}
#msfcalc .calc-tab-btn.active {
  background:#fff; color:#0d5aa3;
  box-shadow:0 2px 10px rgba(0,0,0,.1);
}
#msfcalc .calc-tab-btn svg { width:17px; height:17px; stroke:currentColor; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }

#msfcalc .calc-panel { display:none; }
#msfcalc .calc-panel.active { display:block; animation:calcFadeIn .3s ease; }
@keyframes calcFadeIn { from{opacity:0;transform:translateY(8px)} to{opacity:1;transform:translateY(0)} }

#msfcalc .calc-box {
  background:#fff; border-radius:20px; border:1px solid #e2e8f0;
  box-shadow:0 4px 24px rgba(0,0,0,.07); overflow:hidden;
}
#msfcalc .calc-box-head { padding:24px 28px; border-bottom:1px solid #e2e8f0; display:flex; align-items:center; gap:12px; }
#msfcalc .calc-box-head h3 { font-size:1.25rem; font-weight:700; color:#1e293b; }
#msfcalc .calc-box-body { padding:28px; }

/* ── FORM ELEMENTS ────────────────────────────────────────── */
#msfcalc .calc-grid-2 { display:grid; grid-template-columns:repeat(2,1fr); gap:18px; margin-bottom:18px; }
#msfcalc .calc-field { display:flex; flex-direction:column; }
#msfcalc .calc-field label { font-size:.8125rem; font-weight:600; color:#1e293b; margin-bottom:6px; }
#msfcalc .calc-field input,
#msfcalc .calc-field select,
#msfcalc .calc-field textarea {
  padding:11px 14px; border:2px solid #e2e8f0; border-radius:10px;
  font-family:inherit; font-size:.9375rem; color:#1e293b;
  background:#fff; transition:border-color .2s,box-shadow .2s; appearance:none;
}
#msfcalc .calc-field input:focus,
#msfcalc .calc-field select:focus,
#msfcalc .calc-field textarea:focus {
  outline:none; border-color:#0d5aa3; box-shadow:0 0 0 3px rgba(13,90,163,.1);
}
#msfcalc .calc-field input[readonly] { background:#f8fafc; color:#64748b; }
#msfcalc .calc-field select {
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748b' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat:no-repeat; background-position:right 12px center; padding-right:40px; cursor:pointer;
}
#msfcalc .calc-field textarea { resize:vertical; min-height:100px; }
#msfcalc .calc-field-full { grid-column:1/-1; }

/* Checkbox row */
#msfcalc .calc-checkboxes { display:flex; flex-wrap:wrap; gap:16px; padding:6px 0; }
#msfcalc .calc-checkboxes label { display:flex; align-items:center; gap:8px; font-size:.9rem; font-weight:500; cursor:pointer; }
#msfcalc .calc-checkboxes input[type=checkbox] { width:18px; height:18px; accent-color:#0d5aa3; cursor:pointer; }

/* Radio row */
#msfcalc .calc-radios { display:flex; gap:24px; flex-wrap:wrap; padding:6px 0; }
#msfcalc .calc-radios label { display:flex; align-items:center; gap:8px; font-size:.9rem; font-weight:500; cursor:pointer; }
#msfcalc .calc-radios input[type=radio] { width:18px; height:18px; accent-color:#0d5aa3; cursor:pointer; }

/* ── BUTTONS ──────────────────────────────────────────────── */
#msfcalc .calc-btn {
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:13px 28px; border-radius:10px; font-family:inherit; font-size:.9375rem;
  font-weight:700; cursor:pointer; border:none; transition:all .3s ease; width:100%; margin-top:8px;
}
#msfcalc .calc-btn-blue  { background:linear-gradient(135deg,#0d5aa3,#0a3d6c); color:#fff; box-shadow:0 4px 16px rgba(13,90,163,.28); }
#msfcalc .calc-btn-green { background:linear-gradient(135deg,#10b981,#059669); color:#fff; box-shadow:0 4px 16px rgba(16,185,129,.28); }
#msfcalc .calc-btn-gold  { background:linear-gradient(135deg,#f7931a,#d4700c); color:#fff; box-shadow:0 4px 16px rgba(247,147,26,.3); }
#msfcalc .calc-btn-outline { background:transparent; color:#0d5aa3; border:2px solid #0d5aa3; width:auto; padding:10px 22px; }
#msfcalc .calc-btn:hover { transform:translateY(-2px); }
#msfcalc .calc-btn-outline:hover { background:#0d5aa3; color:#fff; }

/* ── RESULTS ──────────────────────────────────────────────── */
#msfcalc .calc-results { margin-top:24px; padding:24px; background:#f8fafc; border-radius:14px; border:1px solid #e2e8f0; }
#msfcalc .calc-results h4 { font-size:1.125rem; font-weight:700; color:#1e293b; margin-bottom:16px; }
#msfcalc .calc-results-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:14px; }
#msfcalc .calc-result-item { background:#fff; border-radius:10px; padding:14px 16px; border:1px solid #e2e8f0; }
#msfcalc .calc-result-item .lbl { font-size:.78rem; font-weight:600; color:#64748b; text-transform:uppercase; letter-spacing:.3px; margin-bottom:4px; }
#msfcalc .calc-result-item .val { font-size:1.125rem; font-weight:800; color:#0d5aa3; }
#msfcalc .calc-result-highlight { background:linear-gradient(135deg,#0d5aa3,#0a3d6c); color:#fff; border-radius:12px; padding:18px 22px; text-align:center; margin-top:14px; }
#msfcalc .calc-result-highlight .lbl { color:rgba(255,255,255,.75); font-size:.8125rem; font-weight:600; margin-bottom:4px; }
#msfcalc .calc-result-highlight .val { color:#fff; font-size:1.75rem; font-weight:800; }
#msfcalc .calc-compare-grid { display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-top:14px; }
#msfcalc .calc-compare-smsf { background:linear-gradient(135deg,rgba(16,185,129,.1),rgba(16,185,129,.05)); border:1.5px solid rgba(16,185,129,.3); border-radius:12px; padding:18px; text-align:center; }
#msfcalc .calc-compare-retail { background:linear-gradient(135deg,rgba(13,90,163,.1),rgba(13,90,163,.05)); border:1.5px solid rgba(13,90,163,.2); border-radius:12px; padding:18px; text-align:center; }
#msfcalc .calc-compare-smsf .lbl  { color:#059669; font-size:.8rem; font-weight:700; text-transform:uppercase; margin-bottom:4px; }
#msfcalc .calc-compare-retail .lbl { color:#0d5aa3; font-size:.8rem; font-weight:700; text-transform:uppercase; margin-bottom:4px; }
#msfcalc .calc-compare-smsf .val  { color:#047857; font-size:1.5rem; font-weight:800; }
#msfcalc .calc-compare-retail .val { color:#0d5aa3; font-size:1.5rem; font-weight:800; }

/* Table */
#msfcalc .calc-table-wrap { overflow-x:auto; margin-top:16px; border-radius:10px; border:1px solid #e2e8f0; }
#msfcalc .calc-table { width:100%; border-collapse:collapse; font-size:.875rem; }
#msfcalc .calc-table th { background:#0d5aa3; color:#fff; padding:11px 14px; text-align:left; font-weight:700; font-size:.8rem; text-transform:uppercase; letter-spacing:.3px; }
#msfcalc .calc-table td { padding:10px 14px; border-bottom:1px solid #e2e8f0; }
#msfcalc .calc-table tr:last-child td { border-bottom:none; }
#msfcalc .calc-table tr:nth-child(even) td { background:#f8fafc; }

/* Disclaimer */
#msfcalc .calc-disclaimer { margin-top:18px; padding:14px 16px; background:#fffbeb; border:1px solid #fde68a; border-radius:10px; }
#msfcalc .calc-disclaimer p { font-size:.78rem; color:#92400e; line-height:1.55; }
#msfcalc .calc-disclaimer strong { color:#78350f; }

/* ── LEAD FORM ────────────────────────────────────────────── */
#msfcalc .calc-lead-section { padding:72px 24px; background:linear-gradient(135deg,#e8f2fb,#f0f7ff); }
#msfcalc .calc-lead-box {
  max-width:760px; margin:0 auto;
  background:#fff; border-radius:20px; padding:48px 44px;
  box-shadow:0 12px 48px rgba(0,0,0,.1); border:1px solid #e2e8f0;
}
#msfcalc .calc-lead-head { text-align:center; margin-bottom:32px; }
#msfcalc .calc-lead-head h2 { font-size:clamp(1.5rem,2.5vw,2rem); font-weight:800; color:#1e293b; margin-bottom:8px; }
#msfcalc .calc-lead-head p { font-size:1rem; color:#64748b; }

#msfcalc .calc-success { text-align:center; padding:40px 16px; display:none; }
#msfcalc .calc-success.show { display:block; }
#msfcalc .calc-success-ico { width:80px; height:80px; border-radius:50%; background:linear-gradient(135deg,#10b981,#059669); display:flex; align-items:center; justify-content:center; margin:0 auto 20px; box-shadow:0 8px 28px rgba(16,185,129,.35); }
#msfcalc .calc-success-ico svg { width:36px; height:36px; stroke:#fff; fill:none; stroke-width:2.5; stroke-linecap:round; stroke-linejoin:round; }
#msfcalc .calc-success h3 { font-size:1.5rem; font-weight:800; color:#1e293b; margin-bottom:8px; }
#msfcalc .calc-success p  { font-size:.9375rem; color:#64748b; }

#msfcalc .calc-terms { font-size:.75rem; color:#94a3b8; text-align:center; margin-top:12px; }

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media(max-width:900px) {
  #msfcalc .calc-cards-grid { grid-template-columns:repeat(2,1fr); }
}
@media(max-width:640px) {
  #msfcalc .calc-cards-grid { grid-template-columns:repeat(2,1fr); gap:14px; }
  #msfcalc .calc-grid-2 { grid-template-columns:1fr; }
  #msfcalc .calc-tab-nav { grid-template-columns:repeat(2,1fr); }
  #msfcalc .calc-results-grid { grid-template-columns:1fr; }
  #msfcalc .calc-compare-grid { grid-template-columns:1fr; }
  #msfcalc .calc-lead-box { padding:28px 18px; }
  #msfcalc .calc-box-body { padding:20px 16px; }
}