React UI Coding: Loan Calculator (with a11y, debounce, caching follow-ups)

React UI Coding: Implement a Loan Calculator (with a11y, debounce, caching follow-ups) Given a React starter codebase, implement a loan calculator component/page. You need to complete UI, interactions, calculation logic, and accessibility improvements. Functional requirements: Provide input fields as specified (commonly: principal, APR, term in months/years, down payment/fees if any) Recalculate and update results when inputs change (real-time or as specified) Results may include monthly payment, total interest, and total payment (per prompt) Match the provided styling/mock as closely as possible Accessibility (a11y): proper labels/aria attributes, keyboard navigation, sensible focus management Follow-up (verbal): How would you debounce input-driven calculations/requests? How would you cache computed/fetched results to avoid repeated work? Constraints Online editor environment (e.g., HackerRank) Implement on top of the provided starter code Expected behaviors Changing any input updates the results with correct values Invalid inputs are handled gracefully Fully usable via keyboard; screen readers can understand the UI Layout/styling roughly matches the prompt Example Input principal=100000, APR=6%, term=30y Output Monthly payment matches formula; totals consistent