/* --- CSS VARIABLES --- */
    #ipol_calculator_wrapper {
      --primary-color: #0B1F51;    /* Navy */
      --text-color: #2B3445;       /* Body Text */
      --hover-color: #AFC8FF;      /* Light Blue Hover */
      --bg-color: #F8FAFC;
      --white: #FFFFFF;
      --border-color: #E2E8F0;
      
      --success-color: #10B981;    /* Green */
      --warning-color: #F59E0B;    /* Amber */
      --danger-color: #EF4444;     /* Red */
      --info-bg: #EFF6FF;          /* Light Blue Info Bg */
      --info-text: #1E40AF;        /* Dark Blue Info Text */
    }

    #ipol_calculator_wrapper * { box-sizing: border-box; margin: 0; padding: 0; }

    #ipol_calculator_wrapper {
      font-family: 'Inter', sans-serif;
      background-color: var(--bg-color);
      color: var(--text-color);
      line-height: 1.6;
      padding: 40px 20px;
      -webkit-font-smoothing: antialiased;
    }

    /* Accessibility: Screen Reader Only */
    #ipol_calculator_wrapper .ipol_sr-only {
        position: absolute;
        width: 1px;
        height: 1px;
        padding: 0;
        margin: -1px;
        overflow: hidden;
        clip: rect(0, 0, 0, 0);
        white-space: nowrap;
        border: 0;
    }

    /* Print Styles */
    @media print {
        #ipol_calculator_wrapper { padding: 0; background: white; }
        #ipol_calculator_wrapper .ipol_calculator-container { box-shadow: none; border: none; max-width: 100%; }
        #ipol_calculator_wrapper .ipol_input-section, #ipol_calculator_wrapper .ipol_action-buttons, #ipol_calculator_wrapper .ipol_tab-container, #ipol_calculator_wrapper .ipol_mode-description { display: none !important; }
        #ipol_calculator_wrapper .ipol_calculator-grid { display: block; }
        #ipol_calculator_wrapper .ipol_results-section { background: white; padding: 0; }
        #ipol_calculator_wrapper .ipol_chart-wrapper { page-break-inside: avoid; border: none; }
        #ipol_calculator_wrapper .ipol_schedule-container { page-break-before: auto; }
        #ipol_calculator_wrapper table { font-size: 10pt; }
        #ipol_calculator_wrapper .ipol_footnote-section { display: block !important; }
    }

    /* --- LAYOUT STRUCTURE --- */
    #ipol_calculator_wrapper .ipol_calculator-container {
      max-width: 1100px;
      margin: 0 auto;
      background: var(--white);
      border-radius: 12px;
      box-shadow: 0 4px 12px rgba(0, 0, 0, 0.07);
      overflow: hidden;
      border: 1px solid var(--border-color);
    }

    #ipol_calculator_wrapper .ipol_calculator-grid {
      display: grid;
      grid-template-columns: 1fr 1.2fr;
      min-height: 650px;
    }

    #ipol_calculator_wrapper .ipol_input-section, #ipol_calculator_wrapper .ipol_results-section { padding: 30px; }

    #ipol_calculator_wrapper .ipol_input-section {
      background-color: #ffffff;
      border-right: 1px solid var(--border-color);
      display: flex;
      flex-direction: column;
    }

    #ipol_calculator_wrapper .ipol_results-section {
      background-color: #fafbfd;
      display: flex;
      flex-direction: column;
    }

    #ipol_calculator_wrapper .ipol_section-title {
      color: var(--primary-color);
      font-size: 18px;
      font-weight: 700;
      margin-bottom: 20px;
      padding-bottom: 10px;
      border-bottom: 2px solid var(--border-color);
      display: flex;
      /* FIX: Ensure left alignment is strict */
      justify-content: flex-start;
      align-items: center;
      text-align: left;
    }

    /* --- TABS --- */
    #ipol_calculator_wrapper .ipol_tab-container {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
        gap: 8px;
        background: #F1F5F9;
        padding: 8px;
        border-radius: 10px;
        margin-bottom: 20px;
    }
    
    #ipol_calculator_wrapper .ipol_tab-btn {
        text-align: center;
        padding: 12px 5px;
        font-size: 13px;
        font-weight: 600;
        border-radius: 6px;
        cursor: pointer;
        color: var(--primary-color);
        background: transparent;
        transition: all 0.2s;
        border: 1px solid transparent;
        outline: none;
        display: flex;
        flex-direction: column;
        align-items: center;
        justify-content: center;
        line-height: 1.2;
    }
    
    #ipol_calculator_wrapper .ipol_tab-btn:hover { background-color: rgba(175, 200, 255, 0.3); }
    #ipol_calculator_wrapper .ipol_tab-btn:focus-visible { box-shadow: 0 0 0 2px var(--primary-color); }
    
    #ipol_calculator_wrapper .ipol_tab-btn.ipol_active {
        background: var(--white);
        color: var(--primary-color);
        border-color: var(--border-color);
        box-shadow: 0 2px 4px rgba(0,0,0,0.05);
        font-weight: 700;
    }

    /* --- GUIDE TEXT --- */
    #ipol_calculator_wrapper .ipol_mode-description {
        background-color: var(--info-bg);
        color: var(--info-text);
        padding: 12px 15px;
        border-radius: 8px;
        font-size: 13px;
        font-weight: 500;
        margin-bottom: 20px;
        border-left: 4px solid #3B82F6;
        line-height: 1.4;
    }

    /* --- INPUT GROUPS --- */
    #ipol_calculator_wrapper .ipol_input-group { margin-bottom: 18px; position: relative; }
    
    #ipol_calculator_wrapper .ipol_input-row { display: flex; gap: 15px; margin-bottom: 18px; }
    #ipol_calculator_wrapper .ipol_input-row .ipol_input-group { margin-bottom: 0; flex: 1; }

    #ipol_calculator_wrapper .ipol_input-group label {
      display: flex; 
      align-items: center;
      margin-bottom: 8px;
      font-weight: 600;
      color: var(--primary-color);
      font-size: 13px;
      text-transform: uppercase;
      letter-spacing: 0.3px;
    }

    #ipol_calculator_wrapper .ipol_input-wrapper { position: relative; display: flex; align-items: center; }

    #ipol_calculator_wrapper .ipol_input-wrapper input, #ipol_calculator_wrapper .ipol_input-wrapper select {
      width: 100%;
      padding: 12px;
      border: 1px solid var(--border-color);
      border-radius: 8px;
      /* OPTIMIZATION: 16px font prevents iOS zoom on focus */
      font-size: 16px; 
      background-color: var(--white);
      transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
      font-family: 'Inter', sans-serif;
      color: var(--primary-color);
      appearance: none;
      /* FIX: Prevent text clipping in dropdowns */
      min-height: 48px;
      line-height: normal;
    }
    
    #ipol_calculator_wrapper .ipol_input-wrapper input:focus, #ipol_calculator_wrapper .ipol_input-wrapper select:focus {
      outline: none;
      border-color: var(--primary-color);
      box-shadow: 0 0 0 3px rgba(11, 31, 81, 0.1);
    }

    #ipol_calculator_wrapper .ipol_input-wrapper.ipol_error input { 
        border-color: var(--danger-color); 
        background-color: #FEF2F2; 
    }
    
    #ipol_calculator_wrapper .ipol_error-msg {
      color: var(--danger-color);
      font-size: 12px;
      margin-top: 6px;
      display: none;
      font-weight: 600;
      animation: fadeIn 0.2s;
    }

    #ipol_calculator_wrapper .ipol_helper-text {
        font-size: 11px;
        color: #64748B;
        margin-top: 5px;
        font-weight: 500;
        min-height: 18px;
    }

    #ipol_calculator_wrapper select {
        cursor: pointer;
        background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2364748B'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E");
        background-repeat: no-repeat;
        background-position: right 12px center;
        background-size: 16px;
        /* FIX: Extra padding to prevent text from hitting the arrow */
        padding-right: 35px !important;
    }

    /* --- TOOLTIPS --- */
    #ipol_calculator_wrapper .ipol_info-icon {
        display: inline-flex;
        align-items: center;
        justify-content: center;
        width: 15px;
        height: 15px;
        background-color: #E2E8F0;
        color: #64748B;
        border-radius: 50%;
        font-size: 10px;
        font-weight: 700;
        margin-left: 6px;
        cursor: help;
        position: relative;
    }
    
    #ipol_calculator_wrapper .ipol_info-icon:hover { background-color: var(--primary-color); color: white; }
    
    #ipol_calculator_wrapper .ipol_info-icon:hover::after {
        content: attr(aria-label);
        position: absolute;
        bottom: 22px;
        left: 50%;
        transform: translateX(-50%);
        background-color: #1E293B;
        color: white;
        padding: 6px 10px;
        border-radius: 4px;
        font-size: 11px;
        white-space: pre-wrap;
        width: 180px;
        text-align: center;
        z-index: 10;
        pointer-events: none;
        box-shadow: 0 4px 6px rgba(0,0,0,0.1);
        font-weight: 400;
        line-height: 1.4;
    }

    /* --- BUTTONS --- */
    #ipol_calculator_wrapper .ipol_action-buttons { margin-top: auto; padding-top: 20px; display: flex; gap: 10px; flex-direction: column; }
    
    #ipol_calculator_wrapper button {
      padding: 14px;
      border-radius: 8px;
      cursor: pointer;
      font-size: 15px;
      font-weight: 600;
      transition: all 0.2s;
      border: 1px solid transparent;
      width: 100%;
    }

    #ipol_calculator_wrapper #ipol_calculateBtn { background-color: var(--primary-color); color: white; }
    #ipol_calculator_wrapper #ipol_resetBtn { background-color: white; color: var(--primary-color); border-color: var(--border-color); }

    #ipol_calculator_wrapper button:hover { transform: translateY(-1px); box-shadow: 0 4px 6px rgba(0,0,0,0.05); }
    #ipol_calculator_wrapper #ipol_calculateBtn:hover { background-color: #1a3675; }
    #ipol_calculator_wrapper #ipol_resetBtn:hover { background-color: var(--hover-color); border-color: var(--hover-color); }

    /* --- RESULTS UI (ENHANCED) --- */
    #ipol_calculator_wrapper .ipol_result-summary {
      background-color: #F1F5F9;
      padding: 20px;
      border-radius: 8px;
      margin-bottom: 25px;
      border-left: 5px solid var(--primary-color);
      display: flex;
      flex-direction: column;
      gap: 15px;
    }

    #ipol_calculator_wrapper .ipol_rate-comparison {
        display: flex;
        justify-content: space-between;
        align-items: flex-start;
        gap: 15px;
    }

    #ipol_calculator_wrapper .ipol_rate-box {
        flex: 1;
        display: flex;
        flex-direction: column;
    }

    #ipol_calculator_wrapper .ipol_rate-box h3 { 
        font-size: 11px; 
        color: #64748B; 
        text-transform: uppercase; 
        letter-spacing: 0.5px; 
        margin-bottom: 5px; 
        font-weight: 600;
    }

    #ipol_calculator_wrapper .ipol_summary-value { 
        font-size: 28px; 
        font-weight: 700; 
        color: var(--primary-color); 
        line-height: 1.2; 
    }
    
    #ipol_calculator_wrapper .ipol_summary-value.ipol_secondary { 
        font-size: 22px; 
        color: #475569;
    }

    #ipol_calculator_wrapper .ipol_rate-desc {
        font-size: 12px;
        color: #64748B;
        margin-top: 2px;
        font-style: italic;
    }
    
    #ipol_calculator_wrapper .ipol_rate-divider {
        width: 1px;
        background-color: #CBD5E1;
        align-self: stretch;
        margin: 0 5px;
    }

    #ipol_calculator_wrapper .ipol_summary-sub { 
        font-size: 13px; 
        color: var(--info-text); 
        background-color: rgba(224, 231, 255, 0.4);
        padding: 10px;
        border-radius: 6px;
        font-weight: 500;
        display: flex;
        align-items: center;
        border: 1px solid rgba(175, 200, 255, 0.3);
    }
    
    #ipol_calculator_wrapper .ipol_summary-sub strong { color: var(--primary-color); margin-left: 4px; margin-right: 4px;}

    /* Key Metrics Grid */
    #ipol_calculator_wrapper .ipol_key-metrics-grid {
      display: grid; grid-template-columns: repeat(2, 1fr); gap: 15px; margin-bottom: 25px;
    }

    #ipol_calculator_wrapper .ipol_metric-card {
      background: var(--white);
      padding: 15px;
      border-radius: 8px;
      border: 1px solid var(--border-color);
      display: flex; flex-direction: column;
    }
    
    #ipol_calculator_wrapper .ipol_metric-label { color: var(--primary-color); font-size: 11px; font-weight: 600; margin-bottom: 5px; text-transform: uppercase; }
    #ipol_calculator_wrapper .ipol_metric-value { font-size: 16px; font-weight: 700; color: #334155; }

    /* Chart Area */
    #ipol_calculator_wrapper .ipol_chart-wrapper {
      background: var(--white);
      padding: 20px;
      border-radius: 8px;
      border: 1px solid var(--border-color);
      height: 280px;
      position: relative;
      margin-top: 10px;
    }

    #ipol_calculator_wrapper .ipol_inline-explanation {
        margin-top: 0;
        padding: 15px;
        background-color: #FFFBEB; /* Light yellow for insight */
        border-left: 3px solid var(--warning-color);
        border-radius: 4px;
        font-size: 13px;
        color: #78350F;
        line-height: 1.5;
        margin-bottom: 25px;
        display: none; 
    }

    /* --- SCHEDULE TABLE --- */
    #ipol_calculator_wrapper .ipol_schedule-container {
        margin-top: 30px;
        border: 1px solid var(--border-color);
        border-radius: 8px;
        overflow: hidden;
        background: white;
    }
    
    #ipol_calculator_wrapper .ipol_schedule-header {
        padding: 15px 20px;
        background: #F8FAFC;
        border-bottom: 1px solid var(--border-color);
        font-weight: 700;
        color: var(--primary-color);
        display: flex;
        justify-content: space-between;
        align-items: center;
        font-size: 14px;
    }
    
    #ipol_calculator_wrapper .ipol_table-wrapper {
        max-height: 400px;
        overflow-y: auto;
        overflow-x: auto; /* Fix for mobile table view */
    }
    
    #ipol_calculator_wrapper table {
        width: 100%;
        border-collapse: collapse;
        font-size: 13px;
        text-align: right;
        min-width: 500px; /* Ensure table doesn't squish too much */
    }
    
    #ipol_calculator_wrapper th {
        position: sticky;
        top: 0;
        background: #fff;
        z-index: 10;
        padding: 12px 15px;
        text-transform: uppercase;
        font-size: 11px;
        color: #64748B;
        border-bottom: 2px solid var(--border-color);
    }
    
    #ipol_calculator_wrapper td {
        padding: 10px 15px;
        border-bottom: 1px solid #F1F5F9;
        color: var(--text-color);
    }
    
    #ipol_calculator_wrapper .ipol_text-left { text-align: left; }
    
    /* Expandable Logic */
    #ipol_calculator_wrapper .ipol_year-row {
        background-color: #F8FAFC;
        cursor: pointer;
        font-weight: 600;
        transition: background-color 0.15s;
    }
    
    #ipol_calculator_wrapper .ipol_year-row:hover {
        background-color: #F1F5F9;
    }
    
    #ipol_calculator_wrapper .ipol_year-row td {
        border-bottom: 1px solid var(--border-color);
        color: var(--primary-color);
    }
    
    #ipol_calculator_wrapper .ipol_month-row {
        display: none;
        background-color: #fff;
    }
    
    #ipol_calculator_wrapper .ipol_month-row.ipol_visible {
        display: table-row;
        animation: fadeInRow 0.2s ease-in;
    }
    
    @keyframes fadeInRow {
        from { opacity: 0; }
        to { opacity: 1; }
    }
    
    #ipol_calculator_wrapper .ipol_month-row td {
        color: #64748B;
        font-size: 12px;
    }
    
    /* Toggle Icon */
    #ipol_calculator_wrapper .ipol_toggle-icon {
        display: inline-block;
        width: 32px;            
        height: 32px;           
        line-height: 32px;      
        text-align: center;
        transition: transform 0.2s;
        margin-right: 10px;
        color: #475569;         
        background-color: #F1F5F9; 
        border-radius: 50%;     
    }
    
    #ipol_calculator_wrapper .ipol_year-row.ipol_expanded .ipol_toggle-icon {
        transform: rotate(90deg);
        color: var(--primary-color);
        background-color: #e2e8f0;
    }
    
    /* Footnote Section */
    #ipol_calculator_wrapper .ipol_footnote-section {
        margin-top: 25px;
        padding-top: 15px;
        border-top: 1px dashed var(--border-color);
        font-size: 11px;
        color: #64748B;
        line-height: 1.6;
    }
    
    #ipol_calculator_wrapper .ipol_footnote-section strong { color: #334155; }
    
    #ipol_calculator_wrapper .ipol_formula-box {
        background: #F1F5F9;
        padding: 8px 12px;
        border-radius: 4px;
        font-family: 'Courier New', monospace;
        margin-top: 5px;
        display: inline-block;
        color: #475569;
        border: 1px solid #E2E8F0;
        font-size: 10px;
    }
    
    /* Animation */
    #ipol_calculator_wrapper .ipol_fade-in { animation: fadeIn 0.3s ease; }
    @keyframes fadeIn { from { opacity: 0; transform: translateY(5px); } to { opacity: 1; transform: translateY(0); } }

    /* Responsive Logic */
    @media (max-width: 900px) {
      /* Stack columns */
      #ipol_calculator_wrapper .ipol_calculator-grid { grid-template-columns: 1fr; }
      
      /* Reset Borders */
      #ipol_calculator_wrapper .ipol_input-section { border-right: none; border-bottom: 1px solid var(--border-color); }
      
      /* OPTIMIZATION: Reduce padding on mobile to max out screen space */
      #ipol_calculator_wrapper .ipol_input-section, #ipol_calculator_wrapper .ipol_results-section { padding: 20px; }
      #ipol_calculator_wrapper .ipol_calculator-container { margin: 0; border-radius: 0; border: none; }
      #ipol_calculator_wrapper { padding: 0; background-color: white; }
    }