/* apy-calculator.css | CalcWise.Finance v3 | prefix: ap- */
:root{
  --cw-navy:#002868;--cw-red:#BF0A30;--cw-green:#00875A;
  --cw-white:#FFFFFF;--cw-bg:#F4F6FA;--cw-border:#D0D9E8;
  --cw-text:#1A1A2E;--cw-muted:#6B7A99;
  --saffron:#FF9933;--r-md:10px;--r-lg:14px;--r-xl:18px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

/* HERO */
.ap-hero{border-radius:var(--r-xl);padding:44px 48px 40px;margin-bottom:32px}
.ap-badge{display:inline-block;background:rgba(255,153,51,.18);color:#FFDAA0;
  font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  border:1px solid rgba(255,153,51,.35);border-radius:20px;padding:4px 14px;margin-bottom:18px}
.ap-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3.2vw,2.3rem);
  font-weight:800;color:#fff;line-height:1.22;margin-bottom:14px;letter-spacing:-.02em}
.ap-subtitle{color:rgba(255,255,255,.82);font-size:1.05rem;line-height:1.6;
  max-width:700px;margin-bottom:24px}
.ap-pills{display:flex;flex-wrap:wrap;gap:8px}
.ap-pill{background:rgba(255,255,255,.12);color:rgba(255,255,255,.9);
  border:1px solid rgba(255,255,255,.2);border-radius:20px;
  font-size:.78rem;font-weight:600;padding:5px 14px}

/* WRAPPER */
.ap-calc-wrapper{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-xl);overflow:hidden;margin-bottom:40px;
  box-shadow:0 4px 24px rgba(0,40,104,.07)}
.ap-calc-header{background:var(--cw-navy);padding:20px 28px}
.ap-calc-header h2{font-family:'Montserrat',sans-serif;font-size:1.1rem;
  font-weight:700;color:#fff;margin:0}
.ap-calc-header .ap-hint{color:rgba(255,255,255,.78);display:block;
  margin-top:5px;font-size:.82rem}

/* MODE TABS */
.ap-tabs{display:flex;gap:8px;padding:16px 28px 0;flex-wrap:wrap}
.ap-tab{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-md);padding:9px 18px;font-family:'Montserrat',sans-serif;
  font-size:.82rem;font-weight:600;color:var(--cw-muted);cursor:pointer;transition:all .2s}
.ap-tab.active{background:var(--cw-navy);color:#fff;border-color:var(--cw-navy)}

/* CALC GRID */
.ap-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;padding:28px}
.ap-inputs-panel{display:flex;flex-direction:column;gap:18px}
.ap-results-panel{display:flex;flex-direction:column;gap:16px}

/* FIELDS */
.ap-field label{display:block;font-family:'Inter',sans-serif;font-size:.83rem;
  font-weight:600;color:var(--cw-text);margin-bottom:6px}
.ap-field .ap-hint-text{font-size:.74rem;color:var(--cw-muted);margin-top:4px}
.ap-input-group{display:flex;align-items:center}
.ap-input-group .ap-prefix,.ap-input-group .ap-suffix{
  background:var(--cw-bg);border:1px solid var(--cw-border);
  color:var(--cw-muted);font-weight:600;font-size:.88rem;
  padding:0 12px;height:44px;display:flex;align-items:center;white-space:nowrap}
.ap-input-group .ap-prefix{border-right:0;border-radius:var(--r-md) 0 0 var(--r-md)}
.ap-input-group .ap-suffix{border-left:0;border-radius:0 var(--r-md) var(--r-md) 0}
.ap-input-group input{flex:1;height:44px;border:1px solid var(--cw-border);
  border-radius:0;padding:0 12px;font-family:'Inter',sans-serif;
  font-size:.95rem;color:var(--cw-text);outline:none;min-width:0}
.ap-input-group input:focus{border-color:var(--cw-navy);
  box-shadow:0 0 0 3px rgba(0,40,104,.1)}
.ap-input-group.prefix-only input{border-radius:0 var(--r-md) var(--r-md) 0}
.ap-input-group.suffix-only input{border-radius:var(--r-md) 0 0 var(--r-md);border-right:0}

/* RANGE SLIDER */
.ap-range{width:100%;-webkit-appearance:none;appearance:none;height:6px;
  border-radius:6px;background:var(--cw-border);outline:none;margin-top:10px}
.ap-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;
  width:20px;height:20px;border-radius:50%;background:var(--saffron);
  cursor:pointer;border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.2)}
.ap-range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;
  background:var(--saffron);cursor:pointer;border:3px solid #fff}
.ap-range-val{display:flex;justify-content:space-between;margin-top:6px;
  font-size:.76rem;color:var(--cw-muted)}
.ap-range-current{font-family:'Montserrat',sans-serif;font-weight:700;
  color:var(--cw-navy);font-size:.95rem}

/* PENSION SLAB PICKER */
.ap-slabs{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
.ap-slab{background:var(--cw-bg);border:2px solid var(--cw-border);
  border-radius:var(--r-md);padding:10px 4px;text-align:center;cursor:pointer;
  transition:all .2s;font-family:'Montserrat',sans-serif}
.ap-slab:hover{border-color:var(--saffron)}
.ap-slab.active{background:var(--cw-navy);border-color:var(--cw-navy);color:#fff}
.ap-slab .ap-slab-amt{font-size:.9rem;font-weight:800;color:var(--cw-navy)}
.ap-slab.active .ap-slab-amt{color:#fff}
.ap-slab .ap-slab-lbl{font-size:.62rem;color:var(--cw-muted);margin-top:2px}
.ap-slab.active .ap-slab-lbl{color:rgba(255,255,255,.7)}

/* TOGGLE */
.ap-toggle-row{display:flex;align-items:center;justify-content:space-between;
  background:var(--cw-bg);border:1px solid var(--cw-border);border-radius:var(--r-md);
  padding:12px 16px}
.ap-toggle-row .ap-toggle-label{font-family:'Inter',sans-serif;font-size:.85rem;
  font-weight:600;color:var(--cw-text)}
.ap-toggle-row .ap-toggle-sub{font-size:.72rem;color:var(--cw-muted);margin-top:2px}
.ap-switch{position:relative;width:48px;height:26px;flex-shrink:0}
.ap-switch input{opacity:0;width:0;height:0}
.ap-slider-sw{position:absolute;cursor:pointer;inset:0;background:var(--cw-border);
  border-radius:26px;transition:.3s}
.ap-slider-sw::before{content:'';position:absolute;height:20px;width:20px;left:3px;
  bottom:3px;background:#fff;border-radius:50%;transition:.3s}
.ap-switch input:checked+.ap-slider-sw{background:var(--cw-red)}
.ap-switch input:checked+.ap-slider-sw::before{transform:translateX(22px)}

/* RESULTS BOX */
.ap-results-box{background:var(--cw-navy);color:#fff;border-radius:var(--r-lg);padding:22px}
.ap-result-label{font-size:.76rem;color:rgba(255,255,255,.6);
  text-transform:uppercase;letter-spacing:.07em;margin-bottom:6px}
.ap-result-primary{font-family:'Montserrat',sans-serif;font-size:2rem;
  font-weight:800;color:#fff;margin-bottom:4px}
.ap-result-sub{font-size:.8rem;color:rgba(255,255,255,.65);margin-bottom:14px}
.ap-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.ap-result-item{background:rgba(255,255,255,.09);border-radius:8px;padding:10px 14px}
.ap-result-item .ap-rval{font-family:'Montserrat',sans-serif;font-size:1.02rem;
  font-weight:700;color:#fff}
.ap-result-item .ap-rlbl{font-size:.7rem;color:rgba(255,255,255,.58);margin-top:2px}
.ap-value-badge{display:inline-flex;align-items:center;gap:6px;border-radius:8px;
  padding:6px 14px;font-weight:700;font-size:.85rem;margin-bottom:12px;
  background:rgba(0,135,90,.25);color:#4DFFA0}
.ap-placeholder{min-height:130px;display:flex;align-items:center;justify-content:center;
  text-align:center;color:rgba(255,255,255,.4);font-size:.88rem;flex-direction:column;gap:8px}

/* ALERT */
.ap-alert{border-radius:var(--r-lg);padding:14px 18px;border-left:4px solid;display:none}
.ap-alert-warn{background:rgba(191,10,48,.08);border-color:var(--cw-red)}
.ap-alert-ok{background:rgba(0,135,90,.08);border-color:var(--cw-green)}
.ap-alert .ap-alert-title{font-family:'Montserrat',sans-serif;font-size:.85rem;
  font-weight:700;margin-bottom:4px}
.ap-alert-warn .ap-alert-title{color:#8F0722}
.ap-alert-ok .ap-alert-title{color:#005C3A}
.ap-alert p{font-size:.8rem;color:var(--cw-text);margin:0;line-height:1.55}

/* BREAKDOWN */
.ap-breakdown{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:18px}
.ap-breakdown-title{font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:700;
  color:var(--cw-navy);margin-bottom:12px}
.ap-bd-row{display:flex;justify-content:space-between;font-size:.83rem;
  color:var(--cw-text);padding:7px 0;border-bottom:1px dashed var(--cw-border)}
.ap-bd-row:last-child{border-bottom:none;font-weight:700;color:var(--cw-navy)}
.ap-bd-row span:last-child{font-weight:700}

/* CHART */
.ap-chart-box{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:18px;position:relative;height:300px}
.ap-chart-box canvas{max-width:100%;max-height:100%}
.ap-chart-title{font-family:'Montserrat',sans-serif;font-size:.82rem;
  font-weight:700;color:var(--cw-navy);margin-bottom:12px}

/* ACTIONS */
.ap-calc-actions{padding:0 28px 28px;display:flex;gap:12px;flex-wrap:wrap}
.ap-btn-primary{background:var(--saffron);color:var(--cw-navy);border:none;
  border-radius:var(--r-md);padding:0 28px;height:46px;
  font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:700;
  cursor:pointer;transition:all .2s;white-space:nowrap}
.ap-btn-primary:hover{background:#e8841a;transform:translateY(-1px)}
.ap-btn-secondary{background:transparent;color:var(--cw-navy);
  border:2px solid var(--cw-navy);border-radius:var(--r-md);padding:0 20px;
  height:46px;font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:600;cursor:pointer;transition:all .2s;white-space:nowrap}
.ap-btn-secondary:hover{background:var(--cw-navy);color:#fff}
.ap-btn-wa{background:#25D366;color:#fff;border:none;border-radius:var(--r-md);
  padding:0 20px;height:46px;font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:600;cursor:pointer;transition:all .2s;white-space:nowrap}
.ap-btn-wa:hover{background:#1da851}

/* CONTENT */
.ap-section{margin-bottom:48px}
.ap-section h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.2rem,2.5vw,1.6rem);
  font-weight:800;color:var(--cw-navy);margin-bottom:18px;line-height:1.3}
.ap-section h3{font-family:'Montserrat',sans-serif;font-size:1.05rem;
  font-weight:700;color:var(--cw-navy);margin:22px 0 10px}
.ap-section p{font-family:'Inter',sans-serif;font-size:.97rem;color:var(--cw-text);
  line-height:1.8;margin-bottom:14px}
.ap-section a{color:var(--cw-navy);font-weight:600;text-decoration:underline}
.ap-section a:hover{color:var(--cw-red)}

/* TABLE */
.ap-table{width:100%;border-collapse:collapse;font-family:'Inter',sans-serif;
  font-size:.88rem;margin-bottom:16px;border-radius:var(--r-md);overflow:hidden}
.ap-table thead tr{background:var(--cw-navy);color:#fff}
.ap-table thead th{padding:12px 16px;text-align:left;font-weight:600;font-size:.82rem}
.ap-table tbody tr:nth-child(even){background:var(--cw-bg)}
.ap-table tbody tr:hover{background:rgba(0,40,104,.05)}
.ap-table tbody td{padding:11px 16px;border-bottom:1px solid var(--cw-border);color:var(--cw-text)}
.ap-table .ap-highlight{color:var(--cw-green);font-weight:700}
.ap-table .ap-warn{color:var(--cw-red);font-weight:700}

/* EXAMPLES */
.ap-examples{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  gap:20px;margin-bottom:16px}
.ap-ex-card{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);overflow:hidden}
.ap-ex-header{background:var(--cw-navy);padding:14px 18px;display:flex;
  align-items:center;gap:12px}
.ap-ex-avatar{width:38px;height:38px;border-radius:50%;background:var(--saffron);
  display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;
  font-size:.95rem;font-weight:800;color:var(--cw-navy);flex-shrink:0}
.ap-ex-who strong{font-family:'Montserrat',sans-serif;font-size:.9rem;
  font-weight:700;display:block;color:#fff}
.ap-ex-who span{font-size:.75rem;color:rgba(255,255,255,.7)}
.ap-ex-badge{margin-left:auto;background:rgba(255,153,51,.2);color:#FFD08A;
  border-radius:20px;padding:3px 10px;font-size:.72rem;font-weight:700;white-space:nowrap}
.ap-ex-body{padding:16px 18px}
.ap-ex-strip{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:10px}
.ap-ex-cell{background:var(--cw-bg);border-radius:8px;padding:8px 10px}
.ap-ex-cell .ap-ecv{font-family:'Montserrat',sans-serif;font-size:.9rem;
  font-weight:700;color:var(--cw-navy)}
.ap-ex-cell .ap-ecl{font-size:.7rem;color:var(--cw-muted);margin-top:2px}
.ap-ex-takeaway{background:rgba(0,135,90,.09);border-left:3px solid var(--cw-green);
  border-radius:0 8px 8px 0;padding:8px 12px;font-size:.82rem;color:#005C3A;line-height:1.55}

/* TIPS */
.ap-tips{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:18px;margin-bottom:16px}
.ap-tip{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:20px}
.ap-tip-num{font-family:'Montserrat',sans-serif;font-size:1.4rem;font-weight:800;
  color:var(--saffron);margin-bottom:8px}
.ap-tip h3{font-family:'Montserrat',sans-serif;font-size:.92rem;font-weight:700;
  color:var(--cw-navy);margin-bottom:6px}
.ap-tip p{font-size:.84rem;color:var(--cw-muted);line-height:1.6;margin:0}

/* INFO CARD */
.ap-info-card{background:rgba(0,40,104,.05);border-left:4px solid var(--cw-navy);
  border-radius:0 var(--r-md) var(--r-md) 0;padding:12px 16px;margin:14px 0}
.ap-info-card p{font-size:.88rem;color:var(--cw-text);margin:0;line-height:1.65}
.ap-info-card strong{color:var(--cw-navy)}

/* QUICK REF */
.ap-qr-wrap{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:22px;margin-bottom:40px;overflow-x:auto}

/* FAQs */
.ap-faq-list{display:flex;flex-direction:column;gap:10px;margin-bottom:40px}
.ap-faq-list details{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-md);overflow:hidden}
.ap-faq-list details[open]{border-color:var(--cw-navy)}
.ap-faq-list summary{padding:16px 20px;font-family:'Inter',sans-serif;
  font-size:.93rem;font-weight:600;color:var(--cw-text);cursor:pointer;
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.ap-faq-list summary::after{content:'+';font-size:1.2rem;color:var(--cw-navy);flex-shrink:0}
.ap-faq-list details[open] summary::after{content:'-'}
.ap-faq-list .ap-faq-ans{padding:0 20px 16px;font-family:'Inter',sans-serif;
  font-size:.88rem;color:var(--cw-muted);line-height:1.75}

/* RELATED */
.ap-related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));
  gap:16px;margin-bottom:40px}
.ap-related-card{background:var(--cw-white);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:18px;text-decoration:none;
  transition:all .2s;display:block}
.ap-related-card:hover{border-color:var(--cw-navy);transform:translateY(-2px);
  box-shadow:0 6px 20px rgba(0,40,104,.1);text-decoration:none}
.ap-related-icon{font-size:1.6rem;margin-bottom:8px}
.ap-related-card h3{font-family:'Montserrat',sans-serif;font-size:.88rem;
  font-weight:700;color:var(--cw-navy);margin-bottom:4px}
.ap-related-card p{font-size:.78rem;color:var(--cw-muted);margin:0;line-height:1.5}

/* LEGAL */
.ap-legal{background:var(--cw-bg);border:1px solid var(--cw-border);
  border-radius:var(--r-lg);padding:22px;margin-bottom:24px}
.ap-legal h2{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:700;
  color:var(--cw-text);margin-bottom:10px}
.ap-legal p{font-size:.8rem;color:var(--cw-muted);line-height:1.7;margin-bottom:8px}
.ap-legal a{color:var(--cw-navy);font-weight:600}

/* RESPONSIVE */
@media(max-width:900px){
  .ap-hero{padding:32px 24px 28px}
  .ap-calc-grid{grid-template-columns:1fr;gap:20px;padding:20px}
  .ap-calc-actions{padding:0 20px 20px;flex-direction:column}
  .ap-calc-actions .ap-btn-primary,
  .ap-calc-actions .ap-btn-secondary,
  .ap-calc-actions .ap-btn-wa{width:100%;flex:none;border-radius:var(--r-md)}
}
@media(max-width:560px){
  .ap-hero{padding:24px 16px 20px}
  .ap-hero h1{font-size:1.35rem}
  .ap-result-grid{grid-template-columns:1fr}
  .ap-examples{grid-template-columns:1fr}
  .ap-tips{grid-template-columns:1fr}
  .ap-slabs{grid-template-columns:repeat(5,1fr);gap:3px}
  .ap-slab{padding:8px 2px}
  .ap-slab .ap-slab-amt{font-size:.72rem}
}