Hide AI recommendation from results view; keep DB capture

AI text is still generated and saved to calc_submissions for internal
follow-up, but no longer displayed to the user — keeps the detailed
analysis behind the product sign-up wall.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

.env.example

@@ -0,0 +1,10 @@
+# Server
+PORT=3000
+ADMIN_KEY=your-admin-key-here
+
+# AI ROI Estimator (OpenAI-compatible API)
+AI_API_URL=https://integrate.api.nvidia.com/v1
+AI_API_KEY=your_nvidia_api_key_here
+AI_MODEL=qwen/qwen3.5-397b-a17b
+# Set to 'true' to enable detailed AI prompt/response logging
+AI_DEBUG=false

AI_SETUP.md

@@ -1,10 +1,8 @@
-# HOA LedgerIQ — AI API Configuration Guide
+# HOA LedgerIQ — AI Investment Advisor Configuration
 
 ## Overview
 
-The **Benefit Calculator widget** currently runs entirely client-side using conservative
+The **Benefit Calculator** uses an AI model to generate a personalized investment recommendation. It supports any **OpenAI-compatible API** — including OpenAI, NVIDIA NIM, Together AI, Groq, Ollama, and others — configured via environment variables.
-fixed-rate math. This guide explains how to upgrade it to call a real AI API
-(Claude or OpenAI) so the recommendation text is generated dynamically by a language model.
 
 ---
 
@@ -13,162 +11,72 @@ fixed-rate math. This guide explains how to upgrade it to call a real AI API
 ```
 Browser (app.js)
   └─► POST /api/calculate   (server.js)
-        └─► Anthropic / OpenAI API
+        └─► OpenAI-compatible API  (AI_API_URL)
-              └─► Returns AI-generated investment recommendation text
+              └─► Returns AI-generated recommendation text
                     └─► JSON response back to browser
+                          (falls back to client-side math text if unavailable)
 ```
 
 ---
 
-## Step 1 — Add your API key to `.env`
+## Configuration (.env)
 
-Open `.env` in the project root and add one of the following:
+Add these variables to your `.env` file (or systemd `EnvironmentFile`):
 
 ```env
-# For Claude (Anthropic) — recommended
+# AI Investment Advisor (OpenAI-compatible API)
-ANTHROPIC_API_KEY=sk-ant-...
+AI_API_URL=https://integrate.api.nvidia.com/v1
+AI_API_KEY=your_api_key_here
+AI_MODEL=qwen/qwen3.5-397b-a17b
 
-# OR for OpenAI
+# Set to 'true' to enable detailed AI prompt/response logging
-OPENAI_API_KEY=sk-...
+AI_DEBUG=false
 ```
 
+### Provider Examples
+
+| Provider | AI_API_URL | Example Model |
+|---|---|---|
+| OpenAI | `https://api.openai.com/v1` | `gpt-4o-mini` |
+| NVIDIA NIM | `https://integrate.api.nvidia.com/v1` | `qwen/qwen3.5-397b-a17b` |
+| Together AI | `https://api.together.xyz/v1` | `meta-llama/Llama-3-70b-chat-hf` |
+| Groq | `https://api.groq.com/openai/v1` | `llama3-70b-8192` |
+| Ollama (local) | `http://localhost:11434/v1` | `llama3` |
+
+> If `AI_API_KEY` is not set, the `/api/calculate` endpoint returns 503 and the calculator falls back to client-side generated text automatically.
+
 ---
 
-## Step 2 — Install the SDK
+## How It Works
 
-```bash
+`server.js` initializes the OpenAI client with your configured base URL and key:
-# Claude (Anthropic)
-npm install @anthropic-ai/sdk
-
-# OR OpenAI
-npm install openai
-```
-
----
-
-## Step 3 — Add the `/api/calculate` endpoint to `server.js`
-
-Add this block after the existing `/api/health` route:
-
-### Using Claude (Anthropic)
 
 ```js
-const Anthropic = require('@anthropic-ai/sdk');
+const aiClient = AI_API_KEY
-const anthropic = new Anthropic({ apiKey: process.env.ANTHROPIC_API_KEY });
+  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
+  : null;
+```
 
-app.post('/api/calculate', async (req, res) => {
+The `POST /api/calculate` endpoint builds a prompt from the form inputs and calls:
-  const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {};
 
-  if (!homesites || !annualIncome) {
+```js
-    return res.status(400).json({ error: 'homesites and annualIncome are required.' });
+const completion = await aiClient.chat.completions.create({
-  }
+  model:      AI_MODEL,
-
-  const fmt = n => '$' + Math.round(n).toLocaleString();
-  const freqLabel = { monthly: 'monthly', quarterly: 'quarterly', annually: 'annual' }[paymentFreq] || 'monthly';
-  const typeLabel = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
-
-  const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports.
-
-Community: ${homesites}-unit ${typeLabel} association
-Annual dues income: ${fmt(annualIncome)} (collected ${freqLabel})
-Reserve fund balance: ${fmt(reserveFunds || 0)}
-Interest income earned in 2025: ${fmt(interest2025 || 0)}
-
-Provide a recommendation focused on:
-1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills)
-2. How much operating cash could earn interest between collection and expense periods
-3. A realistic estimated annual interest income potential
-4. A single sentence comparing that to their 2025 actual if provided
-
-Keep the tone professional and factual. No bullet points — flowing paragraph only.`;
-
-  try {
-    const message = await anthropic.messages.create({
-      model: 'claude-opus-4-6',
   max_tokens: 300,
   messages:   [{ role: 'user', content: prompt }],
-    });
-
-    const text = message.content[0]?.text ?? '';
-    res.json({ recommendation: text });
-  } catch (err) {
-    console.error('AI API error:', err.message);
-    res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' });
-  }
 });
 ```
 
-### Using OpenAI (GPT-4o)
+`app.js` calls this endpoint on form submit and falls back to the client-side text if the server returns an error or is unreachable.
-
-```js
-const OpenAI = require('openai');
-const openai = new OpenAI({ apiKey: process.env.OPENAI_API_KEY });
-
-app.post('/api/calculate', async (req, res) => {
-  const { homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 } = req.body ?? {};
-
-  // ... (same prompt construction as above) ...
-
-  try {
-    const completion = await openai.chat.completions.create({
-      model: 'gpt-4o',
-      max_tokens: 300,
-      messages: [{ role: 'user', content: prompt }],
-    });
-
-    const text = completion.choices[0]?.message?.content ?? '';
-    res.json({ recommendation: text });
-  } catch (err) {
-    console.error('AI API error:', err.message);
-    res.status(502).json({ error: 'AI service unavailable.' });
-  }
-});
-```
 
 ---
 
-## Step 4 — Update `app.js` to call the API endpoint
+## Restart & Verify
-
-In the `initCalculator` function, replace this line in the submitBtn handler:
-
-```js
-document.getElementById('calcAiText').textContent = ai;  // current: client-side text
-```
-
-With this:
-
-```js
-// Call the AI endpoint; fall back to client-side text if unavailable
-try {
-  const aiRes = await fetch('/api/calculate', {
-    method: 'POST',
-    headers: { 'Content-Type': 'application/json' },
-    body: JSON.stringify({ homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025 }),
-  });
-  if (aiRes.ok) {
-    const { recommendation } = await aiRes.json();
-    document.getElementById('calcAiText').textContent = recommendation;
-  } else {
-    document.getElementById('calcAiText').textContent = ai; // fallback
-  }
-} catch (_) {
-  document.getElementById('calcAiText').textContent = ai; // fallback
-}
-```
-
-> Note: The `submitBtn` handler must be declared `async` for the `await` above to work:
-> ```js
-> submitBtn?.addEventListener('click', async () => { ... });
-> ```
-
----
-
-## Step 5 — Restart the server
 
 ```bash
 sudo systemctl restart hoaledgeriqweb
 
-# Verify the endpoint is live
+# Test the endpoint
 curl -X POST http://localhost:3000/api/calculate \
   -H "Content-Type: application/json" \
   -d '{"homesites":150,"propertyType":"sfh","annualIncome":300000,"paymentFreq":"monthly","reserveFunds":500000,"interest2025":4200}'
@@ -176,44 +84,35 @@ curl -X POST http://localhost:3000/api/calculate \
 
 ---
 
-## Prompt Tuning Tips
+## Prompt Tuning
 
-The prompt in Step 3 is the core of the AI's behavior. You can adjust it to:
+Edit the prompt in `server.js` (inside the `/api/calculate` route) to adjust tone or output:
 
 | Goal | Change |
 |---|---|
-| More optimistic estimates | Change "conservative" to "moderate" in the prompt |
+| More optimistic estimates | Change "conservative" to "moderate" |
 | Shorter output | Reduce `max_tokens` to `150` |
-| Include specific investment products | Add "mention specific products like Vanguard Federal Money Market or 6-month T-bills" |
+| Specific products | Add "mention Vanguard Federal Money Market or 6-month T-bills" |
-| Add a disclaimer | Append "End with one sentence reminding them this is not financial advice." |
+| Add disclaimer | Append "End with one sentence reminding them this is not financial advice." |
 
 ---
 
-## Cost Estimate
+## Debug Logging
 
-| Model | Approx. cost per calculator use |
+Set `AI_DEBUG=true` in `.env` to log the full prompt and response to the server console. Useful for testing new models or prompt changes.
-|---|---|
-| Claude Opus 4.6 | ~$0.002 |
-| Claude Sonnet 4.6 | ~$0.0004 |
-| GPT-4o | ~$0.002 |
-| GPT-4o-mini | ~$0.00005 |
-
-For a landing page with low traffic, even Claude Opus is negligible cost. For scale,
-`claude-sonnet-4-6` is the best balance of quality and price.
 
 ---
 
-## Security Notes
+## Security
 
-- **Never expose your API key in `app.js` or any client-side code.** All AI calls must go through `server.js`.
+- **Never put `AI_API_KEY` in `app.js`** — all AI calls go through `server.js`.
-- Rate-limit the `/api/calculate` endpoint to prevent abuse (e.g. with `express-rate-limit`):
+- Rate-limit the endpoint to prevent abuse:
 
 ```bash
-npm install express-rate-limit
+npm install express-rate-limit --ignore-scripts
 ```
 
 ```js
 const rateLimit = require('express-rate-limit');
-const calcLimiter = rateLimit({ windowMs: 60 * 1000, max: 10 }); // 10 req/min per IP
+app.use('/api/calculate', rateLimit({ windowMs: 60_000, max: 10 }));
-app.use('/api/calculate', calcLimiter);
 ```

app.js

@@ -52,19 +52,32 @@
     close();
   });
 
-  submitBtn?.addEventListener('click', () => {
+  const calcBtnText    = submitBtn?.querySelector('.calc-btn-text');
+  const calcBtnLoading = submitBtn?.querySelector('.calc-btn-loading');
+
+  function setCalcLoading(on) {
+    if (!submitBtn) return;
+    submitBtn.disabled = on;
+    calcBtnText?.classList.toggle('hidden', on);
+    calcBtnLoading?.classList.toggle('hidden', !on);
+  }
+
+  submitBtn?.addEventListener('click', async () => {
     const homesites    = parseFloat(document.getElementById('calcHomesites').value)    || 0;
     const propertyType = document.getElementById('calcPropertyType').value;
     const annualIncome = parseFloat(document.getElementById('calcAnnualIncome').value) || 0;
     const paymentFreq  = document.getElementById('calcPaymentFreq').value;
     const reserveFunds = parseFloat(document.getElementById('calcReserveFunds').value) || 0;
     const interest2025 = parseFloat(document.getElementById('calcInterest2025').value) || 0;
+    const calcEmail    = document.getElementById('calcEmail')?.value.trim() || '';
+    const calcOptIn    = document.getElementById('calcOptIn')?.checked ?? true;
 
     if (!homesites || !annualIncome) {
       calcErr.classList.remove('hidden');
       return;
     }
     calcErr.classList.add('hidden');
+    setCalcLoading(true);
 
     // ── Conservative investment assumptions ──
     // Operating cash: depending on payment frequency, portion investable in high-yield savings
@@ -116,11 +129,23 @@
       ai += `This would represent entirely new interest income for your community at no additional risk.`;
     }
 
-    document.getElementById('calcAiText').textContent = ai;
+    // ── AI recommendation — call server to generate & save to DB (not displayed) ──
+    try {
+      await fetch('/api/calculate', {
+        method:  'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body:    JSON.stringify({
+          homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025,
+          email: calcEmail, optIn: calcOptIn,
+          totalPotential, opInterest, resInterest,
+        }),
+      });
+    } catch (_) { /* best-effort — DB save failed silently */ }
 
     // ── Animate the main number ──
     animateValue(document.getElementById('resultAmount'), 0, totalPotential);
 
+    setCalcLoading(false);
     calcForm.classList.add('hidden');
     calcRes.classList.remove('hidden');
   });

index.html

@@ -8,6 +8,7 @@
   <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
   <link href="https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap" rel="stylesheet" />
   <link rel="stylesheet" href="styles.css" />
+  <link rel="cononical" href="https://www.hoaledgeriq.com" />
 </head>
 <!-- Google tag (gtag.js) -->
 <script async src="https://www.googletagmanager.com/gtag/js?id=G-RTWNVXPMRF"></script>
@@ -436,8 +437,8 @@
 
       <div class="calc-header">
         <div class="section-label">ROI Calculator</div>
-        <h2>See What LedgerIQ Could Earn Your Community</h2>
+        <h2>See What HOA LedgerIQ Could Earn Your Community</h2>
-        <p>Answer a few quick questions for a personalized, conservative interest income estimate.</p>
+        <p>Answer a few quick questions for a personalized, AI-Driven interest income estimate.</p>
       </div>
 
       <!-- INPUTS -->
@@ -488,7 +489,24 @@
           </div>
         </div>
         <p class="calc-error hidden" id="calcError">Please fill in homesites and annual dues income to continue.</p>
-        <button class="btn btn-primary btn-lg calc-submit-btn" id="calcSubmit">Calculate My Potential →</button>
+        <!-- Email + opt-in -->
+        <div class="calc-email-row">
+          <div class="calc-field calc-field--full">
+            <label for="calcEmail">Your Email Address <span class="calc-optional">(optional)</span></label>
+            <input type="email" id="calcEmail" placeholder="you@example.com" />
+          </div>
+          <label class="calc-optin-label">
+            <input type="checkbox" id="calcOptIn" checked />
+            <span>I'd like HOA LedgerIQ to provide informative insights over time.</span>
+          </label>
+          <p class="calc-privacy">🔒 Your email and submitted data are used solely to provide your ROI estimate and will never be shared with any third party or outside organization.</p>
+        </div>
+
+        <p class="calc-error hidden" id="calcError">Please fill in homesites and annual dues income to continue.</p>
+        <button class="btn btn-primary btn-lg calc-submit-btn" id="calcSubmit">
+          <span class="calc-btn-text">Calculate My Potential →</span>
+          <span class="calc-btn-loading hidden"><span class="calc-spinner"></span> Calculating…</span>
+        </button>
         <p class="calc-fine">Conservative estimates for illustrative purposes only. Not financial advice.</p>
       </div>
 
@@ -514,9 +532,12 @@
           </div>
         </div>
 
-        <div class="calc-ai-bubble">
+        <!-- AI text captured to DB only — not displayed -->
-          <span class="ai-label">✦ LedgerIQ AI Estimate</span>
+        <p id="calcAiText" style="display:none"></p>
-          <p id="calcAiText"></p>
+
+        <div class="calc-refine-blurb">
+          <span class="calc-refine-icon">⚙</span>
+          <p>This is a high-level estimate based on your inputs. Inside HOA LedgerIQ, your investment strategy is continuously refined against your live cash flows, upcoming expenses, and reserve study timelines — automatically maximizing yield while keeping your community fully liquid.</p>
         </div>
 
         <div class="calc-cta">

package.json

@@ -9,6 +9,8 @@
   },
   "dependencies": {
     "better-sqlite3": "^9.4.3",
-    "express": "^4.18.3"
+    "dotenv": "^17.3.1",
+    "express": "^4.18.3",
+    "openai": "^6.27.0"
   }
 }

server.js

@@ -14,9 +14,20 @@ const path    = require('path');
 const fs      = require('fs');
 const express = require('express');
 const Database = require('better-sqlite3');
+const OpenAI   = require('openai');
 
 // ── Config ──────────────────────────────────────────────
 const PORT    = process.env.PORT || 3000;
+
+// ── AI client (OpenAI-compatible) ────────────────────────
+const AI_API_URL = process.env.AI_API_URL || 'https://api.openai.com/v1';
+const AI_API_KEY = process.env.AI_API_KEY || '';
+const AI_MODEL   = process.env.AI_MODEL   || 'gpt-4o-mini';
+const AI_DEBUG   = process.env.AI_DEBUG   === 'true';
+
+const aiClient = AI_API_KEY
+  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
+  : null;
 const DB_DIR  = path.join(__dirname, 'data');
 const DB_PATH = path.join(DB_DIR, 'leads.db');
 
@@ -42,6 +53,25 @@ db.exec(`
   );
 `);
 
+db.exec(`
+  CREATE TABLE IF NOT EXISTS calc_submissions (
+    id                INTEGER PRIMARY KEY AUTOINCREMENT,
+    email             TEXT,
+    opt_in            INTEGER DEFAULT 1,
+    homesites         REAL,
+    property_type     TEXT,
+    annual_income     REAL,
+    payment_freq      TEXT,
+    reserve_funds     REAL,
+    interest_2025     REAL,
+    total_potential   REAL,
+    op_interest       REAL,
+    res_interest      REAL,
+    ai_recommendation TEXT,
+    created_at        TEXT NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%fZ','now'))
+  );
+`);
+
 // Migrate existing DBs: add new columns if they don't exist yet
 const cols = db.pragma('table_info(leads)').map(c => c.name);
 if (!cols.includes('org_name'))      db.exec('ALTER TABLE leads ADD COLUMN org_name TEXT');
@@ -56,6 +86,19 @@ const insertLead = db.prepare(`
 
 const findByEmail = db.prepare(`SELECT id FROM leads WHERE email = ? LIMIT 1`);
 
+const insertCalcSubmission = db.prepare(`
+  INSERT INTO calc_submissions
+    (email, opt_in, homesites, property_type, annual_income, payment_freq,
+     reserve_funds, interest_2025, total_potential, op_interest, res_interest, ai_recommendation)
+  VALUES
+    (@email, @optIn, @homesites, @propertyType, @annualIncome, @paymentFreq,
+     @reserveFunds, @interest2025, @totalPotential, @opInterest, @resInterest, @aiRecommendation)
+`);
+
+const getAllCalcSubmissions = db.prepare(`
+  SELECT * FROM calc_submissions ORDER BY created_at DESC
+`);
+
 const getAllLeads = db.prepare(`
   SELECT id, first_name, last_name, email, org_name, state, role, unit_count, beta_interest, source, created_at
   FROM leads
@@ -127,6 +170,100 @@ app.get('/api/leads', (req, res) => {
   res.json({ count: leads.length, leads });
 });
 
+// POST /api/calculate  — AI-powered investment recommendation
+app.post('/api/calculate', async (req, res) => {
+  function saveCalcSubmission(aiRecommendation) {
+    try {
+      insertCalcSubmission.run({
+        email:           email?.trim() || null,
+        optIn:           optIn ? 1 : 0,
+        homesites:       homesites || null,
+        propertyType:    propertyType || null,
+        annualIncome:    annualIncome || null,
+        paymentFreq:     paymentFreq || null,
+        reserveFunds:    reserveFunds || null,
+        interest2025:    interest2025 || null,
+        totalPotential:  totalPotential || null,
+        opInterest:      opInterest || null,
+        resInterest:     resInterest || null,
+        aiRecommendation: aiRecommendation || null,
+      });
+    } catch (err) {
+      console.error('Failed to save calc submission:', err.message);
+    }
+  }
+
+  if (!aiClient) {
+    saveCalcSubmission(null);
+    return res.status(503).json({ error: 'AI service not configured.' });
+  }
+
+  const {
+    homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025,
+    email, optIn, totalPotential, opInterest, resInterest,
+  } = req.body ?? {};
+
+  if (!homesites || !annualIncome) {
+    return res.status(400).json({ error: 'homesites and annualIncome are required.' });
+  }
+
+  const fmt          = n => '$' + Math.round(n).toLocaleString();
+  const typeLabel    = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
+  const freqDivisor  = { monthly: 12, quarterly: 4, annually: 1 }[paymentFreq] || 12;
+  const installmentAmt = annualIncome / freqDivisor;
+  const freqDesc     = { monthly: 'monthly installments', quarterly: 'quarterly installments', annually: 'one lump-sum annual payment' }[paymentFreq] || 'monthly installments';
+
+  const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports.
+
+Community: ${homesites}-unit ${typeLabel} association
+Total annual dues income: ${fmt(annualIncome)} per year
+Dues collection schedule: collected in ${freqDesc} of approximately ${fmt(installmentAmt)} per cycle (this affects operating cash flow timing, not the total annual amount)
+Reserve fund balance: ${fmt(reserveFunds || 0)}
+Interest income earned in 2025: ${fmt(interest2025 || 0)}
+
+Provide a recommendation focused on:
+1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills)
+2. How much operating cash float could earn interest between each collection cycle and upcoming expenses, given the ${freqDesc} schedule
+3. A realistic estimated annual interest income potential based on the full ${fmt(annualIncome)} annual dues total
+4. A single sentence comparing that to their 2025 actual if provided
+
+Keep the tone professional and factual. No bullet points — flowing paragraph only.`;
+
+  if (AI_DEBUG) {
+    console.log('[AI_DEBUG] model:', AI_MODEL);
+    console.log('[AI_DEBUG] prompt:', prompt);
+  }
+
+  try {
+    const completion = await aiClient.chat.completions.create({
+      model:      AI_MODEL,
+      max_tokens: 300,
+      messages:   [{ role: 'user', content: prompt }],
+    });
+
+    const text = completion.choices[0]?.message?.content ?? '';
+
+    if (AI_DEBUG) console.log('[AI_DEBUG] response:', text);
+
+    saveCalcSubmission(text);
+    res.json({ recommendation: text });
+  } catch (err) {
+    console.error('AI API error:', err.message);
+    saveCalcSubmission(null);
+    res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' });
+  }
+});
+
+// GET /api/calc-submissions  — internal: list all calculator submissions
+app.get('/api/calc-submissions', (req, res) => {
+  const secret = req.headers['x-admin-key'];
+  if (!secret || secret !== process.env.ADMIN_KEY) {
+    return res.status(401).json({ error: 'Unauthorized.' });
+  }
+  const rows = getAllCalcSubmissions.all();
+  res.json({ count: rows.length, submissions: rows });
+});
+
 // Health check
 app.get('/api/health', (_req, res) => res.json({ status: 'ok', ts: new Date().toISOString() }));
 

styles.css

@@ -840,6 +840,50 @@ body {
 .calc-recalc { font-size: 14px; color: var(--gray-500); }
 .calc-recalc:hover { color: var(--gray-200); }
 
+/* ── Calc email + opt-in ── */
+.calc-email-row { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }
+.calc-field--full { grid-column: 1 / -1; }
+.calc-optional { font-weight: 400; color: var(--gray-600); font-size: 11px; }
+.calc-optin-label {
+  display: flex; align-items: flex-start; gap: 10px;
+  font-size: 13px; color: var(--gray-300); cursor: pointer; line-height: 1.5;
+}
+.calc-optin-label input[type="checkbox"] {
+  margin-top: 2px; accent-color: var(--blue); flex-shrink: 0;
+  width: 15px; height: 15px; cursor: pointer;
+}
+.calc-privacy {
+  font-size: 11px; color: var(--gray-600); line-height: 1.5;
+  border-left: 2px solid rgba(255,255,255,0.06); padding-left: 10px; margin: 0;
+}
+
+/* ── Calc button spinner ── */
+.calc-btn-loading { display: flex; align-items: center; gap: 8px; }
+.calc-spinner {
+  display: inline-block; width: 14px; height: 14px;
+  border: 2px solid rgba(255,255,255,0.3);
+  border-top-color: #fff;
+  border-radius: 50%;
+  animation: spin 0.7s linear infinite;
+}
+@keyframes spin { to { transform: rotate(360deg); } }
+
+/* ── Results refinement blurb ── */
+.calc-refine-blurb {
+  display: flex; gap: 12px; align-items: flex-start;
+  background: rgba(14,165,233,0.07);
+  border: 1px solid rgba(14,165,233,0.18);
+  border-radius: 10px;
+  padding: 14px 16px;
+  margin-bottom: 20px;
+}
+.calc-refine-icon {
+  font-size: 18px; color: var(--sky); flex-shrink: 0; margin-top: 1px;
+}
+.calc-refine-blurb p {
+  font-size: 12.5px; color: var(--gray-400); line-height: 1.6; margin: 0;
+}
+
 /* ---- Screenshot Carousel ---- */
 .screenshot-carousel {
   width: 100%;