/* =============================================================
   DESIGN TOKENS — identical to index.html / tds-rate-calculator
   ============================================================= */
:root{
  --p:#003d6b; --p-dark:#00284a; --p-mid:#004f8b; --p-soft:#1a5a96;
  --p-tint:#e6eef7; --p-tint2:#ccdcee;
  --gold:#b8860b; --gold-lt:#d4a017; --gold-pl:#fdf6e3;
  --white:#ffffff; --off:#f5f7fa; --off2:#edf1f6;
  --text:#1a2535; --mid:#3a4f63; --muted:#56687a;
  --border:#d8e2ec; --bdr-dk:#b8c8d8;
  --sh-xs:0 1px 3px rgba(0,40,74,.06),0 1px 2px rgba(0,40,74,.04);
  --sh-sm:0 2px 8px rgba(0,40,74,.08),0 1px 4px rgba(0,40,74,.05);
  --sh-md:0 4px 20px rgba(0,40,74,.11),0 2px 8px rgba(0,40,74,.07);
  --r:4px; --r2:8px; --r3:12px;
  --green:#15803d; --green-bg:#f0fdf4; --green-border:#bbf7d0;
  --red:#b91c1c; --red-bg:#fef2f2; --red-border:#fecaca;
  --blue:#1d4ed8; --blue-bg:#eff6ff; --blue-border:#bfdbfe;
  --purple:#7c3aed; --purple-bg:#f5f3ff; --purple-border:#ddd6fe;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px;scroll-padding-top:108px;}
@media(max-width:768px){html{scroll-padding-top:70px;}}
@media(max-width:480px){html{scroll-padding-top:60px;}}
body{
  font-family:'Lato',sans-serif;font-size:1rem;line-height:1.72;
  color:var(--text);background:var(--white);
  overflow-x:hidden;-webkit-font-smoothing:antialiased;
  padding-top:108px;
}
::-webkit-scrollbar{width:4px}
::-webkit-scrollbar-track{background:var(--p-dark)}
::-webkit-scrollbar-thumb{background:var(--gold);border-radius:2px}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
button{font-family:inherit;cursor:pointer;border:none;outline:none}

/* ── TOP BAR ── */
.topbar{background:#00284a!important;height:38px!important;display:flex!important;align-items:center!important;justify-content:space-between!important;padding:0 1.5rem!important;border-bottom:1px solid rgba(255,255,255,.06)!important;position:fixed!important;top:0!important;left:0!important;right:0!important;z-index:1100!important;}
.topbar-left{font-family:'Source Code Pro',monospace!important;font-size:.68rem!important;color:#d4a017!important;letter-spacing:.06em!important;text-transform:uppercase!important;}
.topbar-right{display:flex!important;align-items:center!important;gap:1.6rem!important;}
.topbar-link{display:flex!important;align-items:center!important;gap:.4rem!important;font-family:'Source Code Pro',monospace!important;font-size:.7rem!important;color:rgba(255,255,255,.6)!important;letter-spacing:.03em!important;text-decoration:none!important;transition:color .2s!important;}
.topbar-link:hover{color:#d4a017!important;}
.topbar-link svg{width:12px!important;height:12px!important;fill:currentColor!important;flex-shrink:0!important;}
.tb-sep{width:1px!important;height:14px!important;background:rgba(255,255,255,.15)!important;}

/* ── NAV ── */
nav{position:fixed;top:38px;left:0;right:0;z-index:1000;height:70px;background:var(--white);display:flex;align-items:center;justify-content:space-between;padding:0 3rem;border-bottom:3px solid var(--gold);box-shadow:var(--sh-sm);transition:box-shadow .3s;}
nav.scrolled{box-shadow:var(--sh-md)}
.nav-brand{display:flex;align-items:center;gap:.9rem}
.nav-mark{width:50px;height:50px;background:var(--white);border-radius:var(--r);display:flex;align-items:center;justify-content:center;border:1.5px solid rgba(184,134,11,.3);flex-shrink:0;overflow:hidden;padding:3px;}
.nav-mark img{width:100%;height:100%;object-fit:contain;display:block}
.nav-text{display:flex;flex-direction:column;gap:1px}
.nav-name{font-family:'Merriweather',serif;font-size:1.08rem;font-weight:700;color:#d4a017;line-height:1;letter-spacing:-.015em;}
.nav-sub{font-family:'Source Code Pro',monospace;font-size:.58rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase;}
.nav-links{display:flex;list-style:none;align-items:center}
.nav-links li a{font-size:.86rem;font-weight:700;color:var(--mid);padding:.42rem .82rem;border-radius:var(--r);transition:color .2s,background .2s;letter-spacing:.01em;display:block;}
.nav-links li a:hover{color:var(--p);background:var(--p-tint)}
.nav-links .cta a{background:var(--p);color:var(--white)!important;margin-left:.4rem;padding:.46rem 1.2rem!important;border-radius:var(--r);}
.nav-links .cta a:hover{background:var(--p-soft)!important;box-shadow:0 4px 14px rgba(0,61,107,.3)}
.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;background:none;border:none}
.hamburger span{display:block;width:22px;height:2px;background:var(--p);border-radius:2px;transition:all .3s}
.mob-menu{display:none;position:fixed;top:108px;left:0;right:0;background:var(--white);border-top:3px solid var(--gold);border-bottom:1px solid var(--border);padding:.75rem 1.5rem;z-index:999;flex-direction:column;box-shadow:var(--sh-md);height:auto !important;max-height:calc(100vh - 70px);overflow-y:auto;align-items:stretch !important;justify-content:flex-start !important;}
.mob-menu.open{display:flex}
.mob-menu a{font-size:.9rem;font-weight:700;color:var(--mid);padding:.68rem .5rem;border-bottom:1px solid var(--border);transition:color .2s;}
.mob-menu a:last-child{border:none;color:var(--p);font-weight:900}
.mob-menu a:hover{color:var(--p)}

/* ── FOOTER — injected by footer.html ── */
footer{background:#010f1c;border-top:1px solid rgba(184,134,11,.18);padding:3.5rem 3rem 2rem;}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.06);}
.footer-brand-col{}
.footer-logo-row{display:flex;align-items:center;gap:.8rem;margin-bottom:.9rem}
.footer-mark{width:44px;height:44px;background:var(--white);border-radius:var(--r);display:flex;align-items:center;justify-content:center;border:1.5px solid rgba(184,134,11,.25);flex-shrink:0;overflow:hidden;padding:3px;}
.footer-mark img{width:100%;height:100%;object-fit:contain;display:block}
.footer-brand-name{font-family:'Merriweather',serif;font-size:1.15rem;font-weight:900;color:var(--white)}
.footer-brand-name span{color:var(--gold)}
.footer-tagline{font-size:.87rem;font-weight:300;color:rgba(255,255,255,.38);line-height:1.7;margin-bottom:1.4rem;max-width:280px;}
.footer-contact-row{display:flex;flex-direction:column;gap:.5rem}
.footer-contact-item{display:flex;align-items:center;gap:.5rem;font-size:.83rem;color:rgba(255,255,255,.45);transition:color .2s;}
.footer-contact-item:hover{color:var(--gold-lt)}
.footer-contact-item svg{width:13px;height:13px;fill:currentColor;flex-shrink:0}
.footer-col-title{font-family:'Lato',sans-serif;font-size:.7rem;font-weight:900;color:rgba(255,255,255,.55);letter-spacing:.12em;text-transform:uppercase;margin-bottom:1.1rem;padding-bottom:.5rem;border-bottom:1px solid rgba(184,134,11,.18);}
.footer-links{display:flex;flex-direction:column;gap:.55rem}
.footer-links a{font-size:.85rem;color:rgba(255,255,255,.4);transition:color .2s;font-weight:400}
.footer-links a:hover{color:var(--gold-lt)}
.footer-bottom{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding-top:1.5rem;flex-wrap:wrap;gap:1rem;}
.footer-copy{font-family:'Source Code Pro',monospace;font-size:.67rem;color:rgba(255,255,255,.2)}
.footer-social{display:flex;gap:.6rem}
.footer-social a{width:32px;height:32px;border:1px solid rgba(255,255,255,.1);border-radius:var(--r);display:grid;place-items:center;color:rgba(255,255,255,.35);font-family:'Source Code Pro',monospace;font-size:.65rem;font-weight:600;transition:all .2s;}
.footer-social a:hover{border-color:var(--gold);color:var(--gold-lt);background:rgba(184,134,11,.08)}

/* ── WA FLOAT ── */
.wa-float{position:fixed;bottom:28px;right:28px;z-index:9999;display:flex;align-items:center;gap:0;cursor:pointer;text-decoration:none;}
.wa-float__label{background:#25d366;color:#fff;font-family:'Lato',sans-serif;font-size:.82rem;font-weight:700;padding:.45rem .9rem .45rem 1.1rem;border-radius:24px 0 0 24px;white-space:nowrap;max-width:0;overflow:hidden;opacity:0;transition:max-width .35s ease,opacity .25s ease;box-shadow:-2px 4px 14px rgba(0,0,0,.15);}
.wa-float:hover .wa-float__label{max-width:220px;opacity:1}
.wa-float__icon{width:58px;height:58px;background:#25d366;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 4px 20px rgba(37,211,102,.45),0 2px 8px rgba(0,0,0,.15);transition:transform .25s ease,box-shadow .25s ease;position:relative;}
.wa-float__icon svg{width:30px;height:30px}
.wa-float:hover .wa-float__icon{transform:scale(1.1) rotate(-5deg);box-shadow:0 6px 28px rgba(37,211,102,.6),0 3px 12px rgba(0,0,0,.2)}
.wa-float__icon::after{content:'';position:absolute;width:58px;height:58px;border-radius:50%;background:rgba(37,211,102,.35);animation:waPulse 2.2s ease-out infinite;}
@keyframes waPulse{0%{transform:scale(1);opacity:.7}70%{transform:scale(1.7);opacity:0}100%{transform:scale(1.7);opacity:0}}

/* ============================================================
   PAGE LAYOUT
   ============================================================ */
.page-wrap{max-width:960px;margin:0 auto;padding:3rem 1.5rem 5rem}

/* ── PAGE HERO ── */
.page-hero{background:var(--p);padding:3rem 3rem 2.5rem;border-radius:var(--r2);margin-bottom:2rem;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background-image:repeating-linear-gradient(-60deg,transparent,transparent 44px,rgba(255,255,255,.016) 44px,rgba(255,255,255,.016) 45px),repeating-linear-gradient(30deg,transparent,transparent 44px,rgba(255,255,255,.01) 44px,rgba(255,255,255,.01) 45px);}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent 0%,var(--gold) 30%,var(--gold-lt) 70%,transparent 100%);}
.hero-inner{position:relative;z-index:2}
.hero-kicker{display:inline-flex;align-items:center;gap:.5rem;background:rgba(184,134,11,.14);border:1px solid rgba(184,134,11,.32);color:var(--gold-lt);font-family:'Source Code Pro',monospace;font-size:.7rem;font-weight:500;letter-spacing:.13em;text-transform:uppercase;padding:5px 14px;border-radius:2px;margin-bottom:1rem;}
.kicker-dot{width:7px;height:7px;background:var(--gold);border-radius:50%;animation:pulse 2s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.3}}
.page-hero h1{font-family:'Merriweather',serif;font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:900;color:var(--white);letter-spacing:-.025em;line-height:1.15;margin-bottom:.6rem;}
.page-hero h1 .gold{color:var(--gold)}
.page-hero p{font-size:.97rem;font-weight:300;color:rgba(255,255,255,.6);line-height:1.78;max-width:580px;}

/* ── PANEL ── */
.panel{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r2);margin-bottom:1.1rem;overflow:hidden;box-shadow:var(--sh-xs);transition:box-shadow .25s;}
.panel:hover{box-shadow:var(--sh-sm)}
.panel-head{padding:1rem 1.4rem;display:flex;align-items:center;gap:12px;border-bottom:1px solid var(--border);background:var(--off);}
.step-badge{width:26px;height:26px;border-radius:50%;background:var(--p);color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;font-family:'Source Code Pro',monospace;flex-shrink:0;}
.ph-title{font-family:'Merriweather',serif;font-size:.98rem;font-weight:700;color:var(--p);line-height:1.2}
.ph-sub{font-size:.78rem;color:var(--muted);margin-top:1px}
.panel-body{padding:1.25rem 1.4rem}

/* ── FORM ── */
.form-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.2rem;}
.field{display:flex;flex-direction:column;gap:5px}
.field label{font-size:.7rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);font-family:'Source Code Pro',monospace;}
.field input,.field select{width:100%;padding:.65rem .9rem;background:var(--off);border:1.5px solid var(--border);border-radius:var(--r);font-family:'Lato',sans-serif;font-size:.92rem;color:var(--text);outline:none;transition:border-color .2s,background .2s,box-shadow .2s;}
.field input:focus,.field select:focus{border-color:var(--p);background:var(--white);box-shadow:0 0 0 3px rgba(0,61,107,.1)}
.field input::placeholder{color:var(--bdr-dk)}
.field select option{background:var(--white);color:var(--text)}
.field .hint{font-size:.7rem;color:var(--muted);font-family:'Source Code Pro',monospace;}
.loan-amt-display{font-size:.78rem;color:var(--gold-lt);font-family:'Source Code Pro',monospace;font-weight:600;min-height:1em;}

/* ── SECTION LABEL ── */
.section-label{font-family:'Source Code Pro',monospace;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:var(--p);margin:1.6rem 0 .9rem;padding-bottom:.5rem;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:.5rem;font-weight:700;}

/* ── INPUT ROWS (rate changes / prepayments) ── */
.input-rows{margin-top:.8rem;display:flex;flex-direction:column;gap:.6rem}
.input-row{display:grid;grid-template-columns:auto 1fr 1fr 32px;gap:.6rem;align-items:center;background:var(--off);border:1.5px solid var(--border);border-radius:var(--r2);padding:.65rem .9rem;}
.input-row input{padding:.5rem .7rem;border:1.5px solid var(--border);border-radius:var(--r);font-size:.88rem;font-family:'Lato',sans-serif;background:var(--white);color:var(--text);outline:none;width:100%;transition:border-color .2s;}
.input-row input:focus{border-color:var(--p);box-shadow:0 0 0 3px rgba(0,61,107,.1)}
.input-row input::placeholder{color:var(--bdr-dk)}
.row-num{font-family:'Source Code Pro',monospace;font-size:.7rem;font-weight:700;color:var(--white);background:var(--p);border-radius:3px;padding:2px 7px;white-space:nowrap;align-self:center;}

/* ── BUTTONS ── */
.btn-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:.6rem}
.btn-add{padding:.5rem 1.1rem;background:transparent;color:var(--p);border:1.5px solid var(--p-tint2);border-radius:var(--r);font-size:.8rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;cursor:pointer;font-family:'Lato',sans-serif;transition:all .2s;display:flex;align-items:center;gap:.4rem;}
.btn-add:hover{background:var(--p-tint);border-color:var(--p)}
.btn-remove{background:none;border:1px solid rgba(185,28,28,.3);border-radius:var(--r);color:var(--red);cursor:pointer;width:32px;height:32px;font-size:1rem;display:grid;place-items:center;transition:all .2s;flex-shrink:0;padding:0;}
.btn-remove:hover{background:var(--red-bg);border-color:var(--red)}
.btn-calc{margin-top:1.5rem;padding:.85rem 2.5rem;background:var(--p);color:#fff;border:none;border-radius:var(--r);font-family:'Lato',sans-serif;font-size:.95rem;font-weight:900;cursor:pointer;transition:all .2s;display:flex;align-items:center;gap:8px;letter-spacing:.02em;box-shadow:0 2px 12px rgba(0,61,107,.25);}
.btn-calc:hover{background:var(--p-mid);transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,61,107,.3)}
.btn-calc:active{transform:translateY(0)}
.btn-download{padding:.85rem 2rem;background:transparent;color:var(--p);border:1.5px solid var(--p-tint2);border-radius:var(--r);font-size:.9rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;cursor:pointer;font-family:'Lato',sans-serif;transition:all .2s;display:flex;align-items:center;gap:.5rem;margin-top:1.5rem;}
.btn-download:hover{background:var(--p-tint);border-color:var(--p)}

/* ── RESULTS ── */
#results{display:none}

/* ── SECTION TAG ── */
.section-tag{display:inline-flex;align-items:center;gap:.4rem;background:var(--p-tint);color:var(--p);border:1px solid var(--p-tint2);font-family:'Source Code Pro',monospace;font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;padding:4px 12px;border-radius:3px;margin-bottom:1rem;}

/* ── SUMMARY BOXES ── */
.summary-boxes{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:1rem;margin-bottom:1.5rem;}
.summary-box{background:var(--off);border:1.5px solid var(--border);border-radius:var(--r2);padding:1rem 1.2rem;text-align:center;position:relative;overflow:hidden;}
.summary-box::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--gold);border-radius:0 0 8px 8px;}
.s-icon{font-size:1.2rem;margin-bottom:.3rem}
.summary-box .s-label{font-size:.65rem;font-family:'Source Code Pro',monospace;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:.4rem;}
.summary-box .s-value{font-family:'Merriweather',serif;font-size:clamp(1rem,4vw,1.25rem);font-weight:700;color:var(--p);word-break:break-word;overflow-wrap:break-word;white-space:normal;}
.summary-box.ok{border-color:rgba(21,128,61,.3);background:var(--green-bg);}
.summary-box.ok .s-value{color:var(--green)}
.summary-box.ok::after{background:var(--green)}
.summary-box.highlight{border-color:rgba(185,28,28,.3);background:var(--red-bg);}
.summary-box.highlight .s-value{color:var(--red)}
.summary-box.highlight::after{background:var(--red)}
.summary-box.principal{border-color:rgba(29,78,216,.3);background:var(--blue-bg);}
.summary-box.principal .s-value{color:var(--blue)}
.summary-box.principal::after{background:var(--blue)}
.summary-box.total{border-color:rgba(184,134,11,.3);background:var(--gold-pl);}
.summary-box.total .s-value{color:var(--gold-lt)}
.summary-box.total::after{background:var(--gold)}
.summary-box.closure{border-color:rgba(124,58,237,.3);background:var(--purple-bg);}
.summary-box.closure .s-value{color:var(--purple)}
.summary-box.closure::after{background:var(--purple)}

/* ── CHART (old rule overridden below) ── */
.chart-wrap{ display:none; } /* superseded by .chart-outer below */

/* ── RESULT TABLE ── */
.result-table{width:100%;border-collapse:collapse;font-size:.85rem;overflow-x:auto;display:block;}
.result-table th{background:var(--off2);color:var(--p);padding:.7rem 1rem;text-align:left;font-family:'Source Code Pro',monospace;font-size:.7rem;letter-spacing:.07em;text-transform:uppercase;font-weight:700;white-space:nowrap;border-bottom:2px solid var(--border);}
.result-table td{padding:.6rem 1rem;border-bottom:1px solid var(--border);color:var(--text);font-family:'Source Code Pro',monospace;font-size:.82rem;text-align:right;white-space:nowrap;}
.result-table td:first-child,.result-table td:nth-child(2){text-align:left;font-family:'Lato',sans-serif;}
.result-table tr:last-child td{border-bottom:none}
.result-table tr:hover td{background:var(--p-tint)}
.result-table tr.prepay-row td{background:var(--gold-pl)}

/* ── NOTE / DISCLAIMER BOXES ── */
.note-box{background:var(--off);border-left:3px solid var(--gold);border-radius:0 var(--r2) var(--r2) 0;padding:.9rem 1.1rem;font-size:.82rem;color:var(--mid);margin-top:1.5rem;line-height:1.72;}
.note-box strong{font-weight:700;color:var(--text)}
.input-note-box{display:flex;align-items:flex-start;gap:.75rem;margin-top:1.5rem;padding:1rem 1.2rem;background:var(--gold-pl);border:1px solid rgba(184,134,11,.3);border-left:3px solid var(--gold);border-radius:0 var(--r2) var(--r2) 0;font-size:.82rem;color:var(--mid);line-height:1.72;}
.input-note-box strong{font-weight:700;color:var(--text)}
.input-note-icon{font-size:1rem;margin-top:1px;flex-shrink:0}
.disclaimer-box{margin-top:2rem;border:1.5px solid var(--border);border-left:4px solid var(--gold);border-radius:var(--r2);background:var(--gold-pl);overflow:hidden;}
.disclaimer-inner{display:flex;align-items:flex-start;gap:1rem;padding:1.25rem 1.4rem;}
.disclaimer-title{font-family:'Merriweather',serif;font-size:.88rem;font-weight:700;color:var(--gold);letter-spacing:.01em;margin-bottom:.5rem;}
.disclaimer-text{font-size:.8rem;color:var(--mid);line-height:1.72;}
.disclaimer-text strong{font-weight:700;color:var(--text)}
.prepay-display{font-size:.7rem;color:var(--gold-lt);font-family:'Source Code Pro',monospace;font-weight:600;min-height:1em;}

/* ── RESPONSIVE ── */
@media(max-width:768px){
  nav{padding:0 1.3rem}
  .nav-links{display:none}
  .hamburger{display:flex}
  .topbar{display:none!important}
  body{padding-top:70px}
  footer{padding:2.5rem 1.4rem 1.5rem}
  .footer-grid{grid-template-columns:1fr;gap:2rem}
  .footer-bottom{flex-direction:column;align-items:center;text-align:center}
  .page-wrap{padding:1.5rem 1rem 4rem}
  .page-hero{padding:2rem 1.4rem 1.75rem}
}
@media(max-width:600px){
  .form-grid{grid-template-columns:1fr}
  .input-row{grid-template-columns:auto 1fr 32px;grid-template-rows:auto auto;}
  .input-row .row-num{grid-row:1;grid-column:1}
  .input-row input:first-of-type{grid-row:1;grid-column:2}
  .input-row input:last-of-type{grid-row:2;grid-column:1/span 2}
  .input-row .btn-remove{grid-row:1;grid-column:3}
  .btn-row{flex-direction:column}
  .btn-calc,.btn-download{width:100%;justify-content:center;margin-top:.75rem}
  .summary-boxes{grid-template-columns:1fr}
}
@media(max-width:480px){
  nav{height:60px}
  .mob-menu{top:60px}
  body{padding-top:60px}
  .page-hero h1{font-size:1.45rem}
}
.hidden{display:none!important}
/* ── WA FLOAT ── */
.wa-float{position:fixed;bottom:28px;right:28px;z-index:9999;display:flex;align-items:center;gap:0;cursor:pointer;text-decoration:none;}
.wa-float__label{background:#25d366;color:#fff;font-family:'Lato',sans-serif;font-size:.82rem;font-weight:700;letter-spacing:.03em;padding:.45rem .9rem .45rem 1.1rem;border-radius:24px 0 0 24px;white-space:nowrap;max-width:0;overflow:hidden;opacity:0;transition:max-width .35s ease,opacity .25s ease;box-shadow:-2px 4px 14px rgba(0,0,0,.15);}
.wa-float:hover .wa-float__label{max-width:220px;opacity:1}
.wa-float__icon{width:58px;height:58px;background:#25d366;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 4px 20px rgba(37,211,102,.45),0 2px 8px rgba(0,0,0,.15);transition:transform .25s ease,box-shadow .25s ease;position:relative;}
.wa-float__icon svg{width:30px;height:30px}
.wa-float:hover .wa-float__icon{transform:scale(1.1) rotate(-5deg);box-shadow:0 6px 28px rgba(37,211,102,.6),0 3px 12px rgba(0,0,0,.2)}
.wa-float__icon::after{content:'';position:absolute;width:58px;height:58px;border-radius:50%;background:rgba(37,211,102,.35);animation:waPulse 2.2s ease-out infinite;}
@keyframes waPulse{0%{transform:scale(1);opacity:.7}70%{transform:scale(1.7);opacity:0}100%{transform:scale(1.7);opacity:0}}
@media(max-width:768px){.wa-float{bottom:20px;right:18px}.wa-float__icon{width:52px;height:52px}.wa-float__icon svg{width:26px;height:26px}.wa-float__icon::after{width:52px;height:52px}.wa-float__label{display:none}}

/* ================================================================
   NEW FEATURES CSS — v2 (no dark mode, no compare, no preset chips)
   ================================================================ */

/* ── Main tabs ── */
.main-tabs {
  display: flex; gap: .25rem; background: var(--white);
  padding: .3rem; border-radius: var(--r2); border: 1.5px solid var(--border);
  margin-bottom: 1.25rem; overflow-x: auto; box-shadow: var(--sh-xs);
}
.main-tab {
  flex: 1; min-width: max-content; padding: .65rem 1rem;
  border: none; background: transparent;
  font-family: 'Lato', sans-serif; font-size: .88rem; font-weight: 700;
  color: var(--mid); cursor: pointer; border-radius: 6px; transition: all .2s; white-space: nowrap;
}
.main-tab:hover { color: var(--text); background: var(--p-tint); }
.main-tab.active { background: var(--p); color: #fff; }

/* ── Tab panels ── */
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: panelFade .3s ease; }
@keyframes panelFade { from { opacity:0; transform:translateY(4px); } to { opacity:1; transform:none; } }

/* ── Scenarios bar ── */
.scenarios-bar {
  display: flex; gap: .5rem; flex-wrap: wrap; align-items: center;
  padding: .65rem 1rem; background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--r2); margin-bottom: 1rem; box-shadow: var(--sh-xs);
}
.scenarios-label {
  font-family: 'Source Code Pro', monospace; font-size: .7rem;
  text-transform: uppercase; letter-spacing: .08em; color: var(--muted);
  font-weight: 700; margin-right: .25rem; flex-shrink: 0;
}
.scenario-chip {
  display: inline-flex; align-items: center; gap: .35rem;
  padding: .3rem .65rem; background: var(--p-tint); border: 1px solid var(--p-tint2);
  border-radius: 100px; font-size: .78rem; color: var(--p); cursor: pointer;
  font-family: 'Lato', sans-serif; font-weight: 600;
}
.scenario-chip:hover { border-color: var(--p); }
.sc-close { opacity: .5; font-size: .9rem; line-height: 1; padding: 0 .1rem; }
.sc-close:hover { opacity: 1; }

/* ── Advanced option collapsibles ── */
.adv-details { border-top: 1px solid var(--border); }
.adv-details:first-of-type { border-top: none; }
.adv-details summary {
  cursor: pointer; padding: .75rem 0; font-weight: 700;
  color: var(--p); font-size: .88rem; font-family: 'Lato', sans-serif;
  list-style: none; display: flex; align-items: center; gap: .5rem;
}
.adv-details summary::-webkit-details-marker { display: none; }
.adv-details summary::before {
  content: '+'; display: inline-block; width: 1.1em;
  font-weight: 900; font-family: 'Source Code Pro', monospace;
  color: var(--gold);
}
.adv-details[open] summary::before { content: '−'; }
.adv-body {
  padding: .85rem 1rem; background: var(--off);
  border: 1px solid var(--border); border-radius: var(--r2); margin-bottom: .75rem;
}
.adv-desc { font-size: .83rem; color: var(--mid); margin-bottom: .75rem; line-height: 1.6; }
.adv-field { display: flex; flex-direction: column; gap: 4px; margin-bottom: .6rem; }
.adv-field:last-child { margin-bottom: 0; }
.adv-field-head { display: flex; justify-content: space-between; align-items: baseline; }
.adv-field label, .adv-field > label {
  font-size: .72rem; font-weight: 700; letter-spacing: .07em;
  text-transform: uppercase; color: var(--muted); font-family: 'Source Code Pro', monospace;
}
.adv-value-tag { font-family: 'Merriweather', serif; font-weight: 700; font-size: .95rem; color: var(--p); }
.adv-input {
  padding: .6rem .85rem; background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--r); font-family: 'Lato', sans-serif; font-size: .9rem;
  color: var(--text); outline: none; transition: border-color .2s; width: 100%;
}
.adv-input:focus { border-color: var(--p); box-shadow: 0 0 0 3px rgba(0,61,107,.1); }
.adv-suffix { font-size: .78rem; color: var(--muted); font-family: 'Source Code Pro', monospace; }
.adv-range {
  width: 100%; height: 4px; -webkit-appearance: none; appearance: none;
  background: var(--border); border-radius: 2px; outline: none;
}
.adv-range::-webkit-slider-thumb {
  -webkit-appearance: none; width: 16px; height: 16px;
  background: var(--p); border-radius: 50%; cursor: pointer;
  border: 2px solid #fff; box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
.adv-note { margin-top: .5rem; padding: .65rem .9rem; border-radius: 4px; font-size: .82rem; color: var(--mid); line-height: 1.55; }
.info-note { background: var(--p-tint); border-left: 3px solid var(--p); }
.info-note strong { color: var(--p); }

/* ── Impact note ── */
.impact-note { margin-top: .75rem; padding: .75rem 1rem; border-radius: 4px; font-size: .85rem; line-height: 1.55; }
.impact-success { background: var(--green-bg); border-left: 3px solid var(--green); color: var(--green); }
.impact-success strong { color: var(--green); }
.impact-info { background: var(--p-tint); border-left: 3px solid var(--p); }

/* ── PDF button ── */
.btn-pdf { background: var(--p) !important; color: #fff !important; border-color: var(--p) !important; }
.btn-pdf:hover { opacity: .88; background: var(--p-mid) !important; }

/* ── Schedule head ── */
.schedule-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: .85rem; flex-wrap: wrap; gap: .6rem; }
.schedule-actions { display: flex; gap: .4rem; flex-wrap: wrap; }
.btn-sm {
  display: inline-flex; align-items: center; gap: .3rem;
  padding: .42rem .85rem; border-radius: var(--r);
  border: 1.5px solid var(--border); background: var(--white);
  color: var(--mid); font-family: 'Lato', sans-serif; font-size: .78rem; font-weight: 700;
  cursor: pointer; transition: all .15s; white-space: nowrap;
}
.btn-sm:hover { background: var(--p-tint); border-color: var(--p); color: var(--p); }

/* ── FY note ── */
.fy-note {
  margin-bottom: .85rem; padding: .7rem 1rem; border-radius: var(--r);
  background: var(--gold-pl); border: 1px solid rgba(184,134,11,.3);
  border-left: 3px solid var(--gold); font-size: .82rem; color: var(--mid); line-height: 1.6;
}
.fy-note strong { color: var(--gold); }
.year-row td { font-weight: 700; color: var(--p); background: var(--p-tint); }

/* ── Reverse calc ── */
.reverse-grid { display: grid; grid-template-columns: minmax(280px, 420px) 1fr; gap: 1.5rem; align-items: start; }
@media(max-width: 800px) { .reverse-grid { grid-template-columns: 1fr; } }
.reverse-result-card {
  background: linear-gradient(135deg, var(--p), var(--p-soft));
  color: #fff; padding: 1.5rem; border-radius: var(--r2); box-shadow: var(--sh-md);
}
.rr-label { font-family: 'Source Code Pro', monospace; font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; opacity: .82; margin-bottom: .4rem; }
.rr-amount { font-family: 'Merriweather', serif; font-size: 2rem; font-weight: 900; color: #fff; letter-spacing: -.02em; }
.rr-sub { font-size: .85rem; opacity: .82; margin-top: .35rem; }

/* ════════════════════════════════════════════════
   LOAN INFO SECTION
   ════════════════════════════════════════════════ */
.info-section {
  margin-top: 3rem; padding-top: 2.5rem;
  border-top: 2px solid var(--border);
}
.info-section-head { text-align: center; margin-bottom: 2rem; }
.info-eyebrow {
  font-family: 'Source Code Pro', monospace; font-size: .72rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold);
  margin-bottom: .6rem; display: inline-block;
}
.info-section-head h2 {
  font-family: 'Merriweather', serif; font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 900; color: var(--p); letter-spacing: -.02em; margin-bottom: .6rem;
}
.info-section-head p { color: var(--mid); font-size: .95rem; max-width: 560px; margin: 0 auto; }

.loan-types-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 1.25rem; margin-bottom: 1.5rem; }

.loan-type-card {
  background: var(--white); border: 1.5px solid var(--border); border-radius: var(--r2);
  padding: 1.4rem 1.5rem; box-shadow: var(--sh-xs); transition: box-shadow .25s, transform .2s;
  display: flex; flex-direction: column; gap: .6rem;
}
.loan-type-card:hover { box-shadow: var(--sh-md); transform: translateY(-2px); }
.lt-icon { font-size: 1.6rem; }
.loan-type-card h3 {
  font-family: 'Merriweather', serif; font-size: 1rem; font-weight: 700;
  color: var(--p); margin: 0;
}
.loan-type-card p { font-size: .84rem; color: var(--mid); line-height: 1.7; margin: 0; }
.lt-docs-title {
  font-family: 'Source Code Pro', monospace; font-size: .7rem; font-weight: 700;
  letter-spacing: .07em; text-transform: uppercase; color: var(--gold);
  padding-top: .5rem; border-top: 1px solid var(--border); margin-top: .2rem;
}
.lt-docs { padding-left: 1.1rem; display: flex; flex-direction: column; gap: .3rem; }
.lt-docs li { font-size: .82rem; color: var(--mid); line-height: 1.55; }

.info-note-box {
  background: var(--gold-pl); border: 1px solid rgba(184,134,11,.3);
  border-left: 4px solid var(--gold); border-radius: var(--r2);
  padding: 1rem 1.25rem; font-size: .84rem; color: var(--mid); line-height: 1.7;
}
.info-note-box strong { color: var(--gold); font-weight: 700; }

/* ════════════════════════════════════════════════
   FAQ SECTION
   ════════════════════════════════════════════════ */
.faq-section {
  margin-top: 3rem; padding-top: 2.5rem;
  border-top: 2px solid var(--border);
}
.faq-list { display: flex; flex-direction: column; gap: 0; }

.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-item summary {
  cursor: pointer; padding: 1.1rem 0; font-weight: 700;
  font-family: 'Merriweather', serif; font-size: .95rem;
  color: var(--p); list-style: none; display: flex; align-items: center;
  justify-content: space-between; gap: 1rem; line-height: 1.4;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; flex-shrink: 0; width: 24px; height: 24px;
  background: var(--p-tint); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem; font-weight: 900; color: var(--p);
  font-family: 'Source Code Pro', monospace; line-height: 1;
  padding-top: 1px; text-align: center;
}
.faq-item[open] summary::after { content: '−'; }
.faq-body {
  padding: 0 0 1.2rem;
  font-size: .9rem; color: var(--mid); line-height: 1.75;
}
.faq-body p { margin: 0; }
.faq-body ul { padding-left: 1.2rem; }
.faq-body li { margin-bottom: .2rem; }

/* ════════════════════════════════════════════════
   BOOK CONSULTATION SECTION
   ════════════════════════════════════════════════ */
.consult-section {
  margin-top: 3rem; background: var(--p); border-radius: var(--r2);
  padding: 3rem; position: relative; overflow: hidden;
}
.consult-section::before {
  content: ''; position: absolute; inset: 0;
  background-image: repeating-linear-gradient(-60deg, transparent, transparent 44px, rgba(255,255,255,.016) 44px, rgba(255,255,255,.016) 45px),
                    repeating-linear-gradient(30deg, transparent, transparent 44px, rgba(255,255,255,.01) 44px, rgba(255,255,255,.01) 45px);
}
.consult-section::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), var(--gold-lt), transparent);
}
.consult-inner {
  position: relative; z-index: 2; display: grid;
  grid-template-columns: 1fr minmax(280px, 360px); gap: 3rem; align-items: start;
}
@media(max-width: 860px) { .consult-inner { grid-template-columns: 1fr; } .consult-section { padding: 2rem 1.5rem; } }

.consult-text h2 {
  font-family: 'Merriweather', serif; font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 900; color: #fff; letter-spacing: -.02em; margin-bottom: .75rem; line-height: 1.2;
}
.consult-text p { font-size: .95rem; color: rgba(255,255,255,.72); line-height: 1.75; margin-bottom: 1.25rem; }
.consult-text .info-eyebrow { color: var(--gold-lt); }

.consult-points { list-style: none; padding: 0; display: flex; flex-direction: column; gap: .6rem; margin-bottom: 1.5rem; }
.consult-points li { display: flex; align-items: center; gap: .6rem; font-size: .9rem; color: rgba(255,255,255,.82); }
.consult-points li svg { flex-shrink: 0; stroke: var(--gold-lt); }

.consult-actions { display: flex; gap: .75rem; flex-wrap: wrap; }
.consult-btn-primary {
  display: inline-flex; align-items: center; gap: .5rem;
  background: #25d366; color: #fff; font-family: 'Lato', sans-serif;
  font-size: .9rem; font-weight: 700; padding: .75rem 1.4rem;
  border-radius: var(--r); text-decoration: none; transition: all .2s;
  box-shadow: 0 2px 12px rgba(37,211,102,.35);
}
.consult-btn-primary:hover { background: #1fba58; transform: translateY(-2px); box-shadow: 0 4px 20px rgba(37,211,102,.5); }
.consult-btn-secondary {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.12); color: #fff;
  font-family: 'Lato', sans-serif; font-size: .9rem; font-weight: 700;
  padding: .75rem 1.4rem; border-radius: var(--r); text-decoration: none;
  border: 1.5px solid rgba(255,255,255,.25); transition: all .2s;
}
.consult-btn-secondary:hover { background: rgba(255,255,255,.2); }

.consult-card {
  background: var(--white); border-radius: var(--r2); padding: 1.5rem;
  box-shadow: 0 8px 32px rgba(0,0,0,.22); border: 1.5px solid rgba(184,134,11,.2);
}
.consult-card-header {
  font-family: 'Merriweather', serif; font-size: 1.05rem; font-weight: 900;
  color: var(--p); border-bottom: 2px solid var(--gold); padding-bottom: .6rem;
  margin-bottom: 1.1rem;
}
.consult-details { display: flex; flex-direction: column; gap: .9rem; margin-bottom: 1.25rem; }
.consult-detail-row { display: flex; align-items: flex-start; gap: .75rem; }
.consult-detail-row svg { flex-shrink: 0; stroke: var(--p); margin-top: 2px; }
.cd-label { font-size: .7rem; font-family: 'Source Code Pro', monospace; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 2px; }
.cd-value { font-size: .88rem; color: var(--text); font-weight: 500; line-height: 1.5; }
.consult-cta {
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  width: 100%; background: var(--p); color: #fff; font-family: 'Lato', sans-serif;
  font-size: .92rem; font-weight: 700; padding: .85rem; border-radius: var(--r);
  text-decoration: none; letter-spacing: .02em; transition: all .2s;
  box-shadow: 0 2px 12px rgba(0,61,107,.25);
}
.consult-cta:hover { background: var(--p-mid); transform: translateY(-1px); box-shadow: 0 4px 18px rgba(0,61,107,.35); }

/* ── Share modal ── */
.modal-backdrop { position: fixed; inset: 0; background: rgba(0,0,0,.45); display: none; align-items: center; justify-content: center; z-index: 9000; padding: 1rem; }
.modal-backdrop.open { display: flex; }
.modal-box { background: var(--white); border-radius: var(--r2); padding: 1.75rem; max-width: 480px; width: 100%; box-shadow: var(--sh-md); border: 1.5px solid var(--border); }
.modal-title { font-family: 'Merriweather', serif; font-size: 1.1rem; font-weight: 700; margin-bottom: 1rem; color: var(--p); }
.share-url-box { background: var(--off); padding: .65rem .85rem; border-radius: var(--r); font-family: 'Source Code Pro', monospace; font-size: .78rem; word-break: break-all; border: 1px solid var(--border); margin-bottom: 1rem; color: var(--mid); line-height: 1.6; }
.share-options { display: flex; gap: .5rem; flex-wrap: wrap; }

/* ── Toast ── */
.toast-msg { position: fixed; bottom: 1.5rem; left: 50%; transform: translateX(-50%); background: var(--text); color: var(--white); padding: .65rem 1.2rem; border-radius: 6px; font-family: 'Lato', sans-serif; font-size: .85rem; font-weight: 600; box-shadow: var(--sh-md); opacity: 0; pointer-events: none; transition: opacity .2s; z-index: 9999; white-space: nowrap; }
.toast-msg.show { opacity: 1; }

/* ── Print ── */
@media print {
  .main-tabs, .schedule-actions, .chart-tabs, .scenarios-bar, .consult-section,
  .tab-panel:not(.active) { display: none !important; }
  body { background: #fff; }
  .panel, .summary-box { box-shadow: none; border-color: #ddd; page-break-inside: avoid; }
}

/* ── Responsive extras ── */
@media(max-width: 600px) {
  .loan-types-grid { grid-template-columns: 1fr; }
  .schedule-head { flex-direction: column; align-items: flex-start; }
}

/* ================================================================
   NEW FEATURES — EMI Calculator Enhanced
   ================================================================ */

/* ── Tabs ── */
.emi-tabs {
  display: flex; gap: .25rem; background: var(--white);
  padding: .3rem; border-radius: var(--r2); border: 1.5px solid var(--border);
  margin-bottom: 1.25rem; overflow-x: auto; box-shadow: var(--sh-xs);
}
.emi-tab {
  flex: 1; min-width: max-content; padding: .65rem 1.25rem;
  border: none; background: transparent;
  font-family: 'Lato', sans-serif; font-size: .88rem; font-weight: 700;
  color: var(--mid); cursor: pointer; border-radius: 6px;
  transition: all .2s; white-space: nowrap;
}
.emi-tab:hover { color: var(--text); background: var(--p-tint); }
.emi-tab.active { background: var(--p); color: #fff; }

/* ── Tab panels ── */
.emi-tab-panel { display: none; }
.emi-tab-panel.active { display: block; animation: panelFade .3s ease; }
@keyframes panelFade { from { opacity:0; transform:translateY(4px); } to { opacity:1; transform:none; } }

/* ── Scenarios bar ── */
.scenarios-bar {
  display: flex; gap: .5rem; flex-wrap: wrap; align-items: center;
  padding: .65rem 1rem; background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--r2); margin-bottom: 1rem; box-shadow: var(--sh-xs);
}
.scenarios-label {
  font-family: 'Source Code Pro', monospace; font-size: .7rem;
  text-transform: uppercase; letter-spacing: .08em; color: var(--muted);
  font-weight: 700; margin-right: .25rem; flex-shrink: 0;
}
.scenario-chip {
  display: inline-flex; align-items: center; gap: .35rem;
  padding: .3rem .65rem; background: var(--p-tint); border: 1px solid var(--p-tint2);
  border-radius: 100px; font-size: .78rem; color: var(--p); cursor: pointer;
  font-family: 'Lato', sans-serif; font-weight: 600;
}
.scenario-chip:hover { border-color: var(--p); }
.sc-close { opacity: .5; font-size: .9rem; line-height: 1; padding: 0 .1rem; }
.sc-close:hover { opacity: 1; }

/* ── Advanced option collapsibles ── */
.adv-details { border-top: 1px solid var(--border); }
.adv-details:first-of-type { border-top: none; }
.adv-details summary {
  cursor: pointer; padding: .75rem 0; font-weight: 700;
  color: var(--p); font-size: .88rem; font-family: 'Lato', sans-serif;
  list-style: none; display: flex; align-items: center; gap: .5rem;
}
.adv-details summary::-webkit-details-marker { display: none; }
.adv-details summary::before {
  content: '+'; display: inline-block; width: 1.1em;
  font-weight: 900; font-family: 'Source Code Pro', monospace;
  color: var(--gold);
}
.adv-details[open] summary::before { content: '\2212'; }
.adv-body {
  padding: .85rem 1rem; background: var(--off);
  border: 1px solid var(--border); border-radius: var(--r2); margin-bottom: .75rem;
}
.adv-desc {
  font-size: .82rem; color: var(--muted); margin-bottom: .85rem;
  line-height: 1.6; font-style: italic;
}
.adv-field { display: flex; flex-direction: column; gap: 5px; margin-bottom: .6rem; }
.adv-field:last-child { margin-bottom: 0; }
.adv-field-head { display: flex; justify-content: space-between; align-items: baseline; }
.adv-field label, .adv-field > label {
  font-size: .72rem; font-weight: 700; letter-spacing: .07em;
  text-transform: uppercase; color: var(--muted); font-family: 'Source Code Pro', monospace;
}
.adv-value-tag { font-family: 'Merriweather', serif; font-weight: 700; font-size: .95rem; color: var(--p); }
.adv-input {
  padding: .6rem .85rem; background: var(--white); border: 1.5px solid var(--border);
  border-radius: var(--r); font-family: 'Lato', sans-serif; font-size: .9rem;
  color: var(--text); outline: none; transition: border-color .2s; width: 100%;
}
.adv-input:focus { border-color: var(--p); box-shadow: 0 0 0 3px rgba(0,61,107,.1); }
.adv-suffix { font-size: .78rem; color: var(--muted); font-family: 'Source Code Pro', monospace; margin-top: 2px; }
.adv-range {
  width: 100%; height: 4px; margin-top: .5rem;
  -webkit-appearance: none; appearance: none;
  background: var(--border); border-radius: 2px; outline: none;
}
.adv-range::-webkit-slider-thumb {
  -webkit-appearance: none; width: 16px; height: 16px;
  background: var(--p); border-radius: 50%; cursor: pointer;
  border: 2px solid #fff; box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
.adv-range::-moz-range-thumb {
  width: 16px; height: 16px; background: var(--p);
  border-radius: 50%; cursor: pointer; border: 2px solid #fff;
}
.adv-note { margin-top: .6rem; padding: .65rem .9rem; border-radius: 4px; font-size: .82rem; color: var(--mid); line-height: 1.55; }
.info-note { background: var(--p-tint); border-left: 3px solid var(--p); }
.info-note strong { color: var(--p); }

/* ── Impact note ── */
.impact-note { margin-top: .75rem; padding: .75rem 1rem; border-radius: 4px; font-size: .85rem; line-height: 1.55; }
.impact-success { background: var(--green-bg); border-left: 3px solid var(--green); color: var(--green); }
.impact-success strong { color: var(--green); }
.impact-info { background: var(--p-tint); border-left: 3px solid var(--p); color: var(--p); }
.impact-info strong { color: var(--p); }

/* ── PDF button ── */
.btn-pdf { background: var(--p) !important; color: #fff !important; border-color: var(--p) !important; }
.btn-pdf:hover { background: var(--p-mid) !important; }

/* ── Chart ── */
.chart-outer { margin: 0 0 1.75rem; width: 100%; display: block; }
.chart-tabs-row {
  display: flex; gap: .4rem; margin-bottom: .85rem;
  border-bottom: 1px solid var(--border);
}
.chart-tab {
  border: none; background: transparent; padding: .5rem .4rem;
  font-family: 'Lato', sans-serif; font-size: .88rem; font-weight: 700;
  color: var(--muted); cursor: pointer; border-bottom: 2px solid transparent;
  margin-bottom: -1px; transition: all .15s; white-space: nowrap;
}
.chart-tab.active { color: var(--p); border-bottom-color: var(--p); }
.chart-tab:hover { color: var(--text); }
.chart-box {
  position: relative;
  width: 100%;
  height: 340px;
  display: block;
}

/* ── Schedule head ── */
.schedule-head {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: .85rem; flex-wrap: wrap; gap: .6rem;
}
.schedule-actions { display: flex; gap: .4rem; flex-wrap: wrap; }
.btn-sm {
  display: inline-flex; align-items: center; gap: .3rem;
  padding: .42rem .85rem; border-radius: var(--r);
  border: 1.5px solid var(--border); background: var(--white);
  color: var(--mid); font-family: 'Lato', sans-serif; font-size: .78rem;
  font-weight: 700; cursor: pointer; transition: all .15s; white-space: nowrap;
}
.btn-sm:hover { background: var(--p-tint); border-color: var(--p); color: var(--p); }

/* ── FY note ── */
.fy-note {
  background: var(--p-tint); border-left: 3px solid var(--p);
  border-radius: 0 var(--r2) var(--r2) 0; padding: .75rem 1rem;
  font-size: .83rem; color: var(--mid); margin-bottom: .85rem; line-height: 1.6;
}
.fy-note strong { color: var(--p); }

/* ── Year row ── */
.year-row td { font-weight: 700; color: var(--p); background: var(--p-tint); }

/* ── Reverse calc ── */
.reverse-grid {
  display: grid; grid-template-columns: minmax(280px,420px) 1fr;
  gap: 2rem; align-items: start;
}
@media(max-width:800px) { .reverse-grid { grid-template-columns: 1fr; } }
.reverse-result-card {
  background: linear-gradient(135deg, var(--p), var(--p-soft));
  color: #fff; padding: 1.5rem; border-radius: var(--r2); box-shadow: var(--sh-md);
}
.rr-label {
  font-family: 'Source Code Pro', monospace; font-size: .72rem;
  letter-spacing: .1em; text-transform: uppercase; opacity: .85; margin-bottom: .4rem;
}
.rr-amount { font-family: 'Merriweather', serif; font-size: 2rem; font-weight: 900; color: #fff; letter-spacing: -.02em; line-height: 1.15; }
.rr-sub { font-size: .85rem; opacity: .82; margin-top: .35rem; }

/* ── Share modal ── */
.modal-backdrop { position: fixed; inset: 0; background: rgba(0,0,0,.45); display: none; align-items: center; justify-content: center; z-index: 9000; padding: 1rem; }
.modal-backdrop.open { display: flex; }
.modal-box { background: var(--white); border-radius: var(--r2); padding: 1.75rem; max-width: 480px; width: 100%; box-shadow: var(--sh-md); border: 1.5px solid var(--border); }
.modal-title { font-family: 'Merriweather', serif; font-size: 1.1rem; font-weight: 700; margin-bottom: 1rem; color: var(--p); }
.share-url-box { background: var(--off); padding: .65rem .85rem; border-radius: var(--r); font-family: 'Source Code Pro', monospace; font-size: .78rem; word-break: break-all; border: 1px solid var(--border); margin-bottom: 1rem; color: var(--mid); line-height: 1.6; }
.share-options { display: flex; gap: .5rem; flex-wrap: wrap; }

/* ── Toast ── */
.toast-msg { position: fixed; bottom: 1.5rem; left: 50%; transform: translateX(-50%); background: var(--text); color: var(--white); padding: .65rem 1.2rem; border-radius: 6px; font-family: 'Lato', sans-serif; font-size: .85rem; font-weight: 600; box-shadow: var(--sh-md); opacity: 0; pointer-events: none; transition: opacity .2s; z-index: 9999; white-space: nowrap; }
.toast-msg.show { opacity: 1; }

/* ── Loan types info section ── */
.info-section { margin-top: 3rem; padding-top: 2.5rem; border-top: 1px solid var(--border); }
.info-section-head { text-align: center; margin-bottom: 2rem; }
.info-eyebrow {
  font-family: 'Source Code Pro', monospace; font-size: .68rem; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: .6rem;
}
.info-section-head h2 { font-family: 'Merriweather', serif; font-size: clamp(1.35rem,3vw,1.85rem); font-weight: 900; color: var(--p); letter-spacing: -.02em; margin-bottom: .6rem; }
.info-section-head p { font-size: .95rem; color: var(--muted); max-width: 580px; margin: 0 auto; }
.loan-types-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(290px,1fr)); gap: 1.25rem; margin-bottom: 1.5rem; }
.loan-type-card { background: var(--white); border: 1.5px solid var(--border); border-radius: var(--r2); padding: 1.5rem; box-shadow: var(--sh-xs); transition: box-shadow .2s, transform .2s; }
.loan-type-card:hover { box-shadow: var(--sh-sm); transform: translateY(-2px); }
.lt-icon { font-size: 1.8rem; margin-bottom: .75rem; }
.loan-type-card h3 { font-family: 'Merriweather', serif; font-size: 1rem; font-weight: 700; color: var(--p); margin-bottom: .65rem; }
.loan-type-card p { font-size: .85rem; color: var(--mid); line-height: 1.7; margin-bottom: 1rem; }
.lt-docs-title { font-family: 'Source Code Pro', monospace; font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin-bottom: .5rem; }
.lt-docs { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .38rem; }
.lt-docs li { font-size: .8rem; color: var(--mid); line-height: 1.55; padding-left: 1.1rem; position: relative; }
.lt-docs li::before { content: '\203A'; position: absolute; left: 0; color: var(--gold); font-weight: 700; }
.info-note-box { background: var(--gold-pl); border: 1px solid rgba(184,134,11,.25); border-left: 4px solid var(--gold); border-radius: 0 var(--r2) var(--r2) 0; padding: 1rem 1.25rem; font-size: .84rem; color: var(--mid); line-height: 1.7; }
.info-note-box strong { color: var(--text); }

/* ── FAQ section ── */
.faq-section { margin-top: 3rem; padding-top: 2.5rem; border-top: 2px solid var(--border); }
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:first-child { border-top: 1px solid var(--border); }
.faq-item summary { cursor: pointer; padding: 1.1rem 0; font-weight: 700; font-family: 'Merriweather', serif; font-size: .95rem; color: var(--p); list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 1rem; line-height: 1.4; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; flex-shrink: 0; width: 24px; height: 24px; background: var(--p-tint); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .9rem; font-weight: 900; color: var(--p); font-family: 'Source Code Pro', monospace; line-height: 1; padding-top: 1px; text-align: center; }
.faq-item[open] summary::after { content: '\2212'; background: var(--p); color: #fff; }
.faq-body { padding: 0 0 1.2rem; font-size: .9rem; color: var(--mid); line-height: 1.75; }
.faq-body p { margin: 0; }
.faq-body ul { padding-left: 1.2rem; }
.faq-body li { margin-bottom: .2rem; }

/* ── Consultation section ── */
.consult-section { margin-top: 3rem; background: var(--p); border-radius: var(--r2); position: relative; overflow: hidden; }
.consult-section::before { content: ''; position: absolute; inset: 0; background-image: repeating-linear-gradient(-60deg,transparent,transparent 44px,rgba(255,255,255,.016) 44px,rgba(255,255,255,.016) 45px),repeating-linear-gradient(30deg,transparent,transparent 44px,rgba(255,255,255,.01) 44px,rgba(255,255,255,.01) 45px); }
.consult-section::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg,transparent,var(--gold),var(--gold-lt),transparent); }
.consult-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1fr minmax(280px,360px); gap: 3rem; align-items: start; padding: 3rem; }
@media(max-width:860px) { .consult-inner { grid-template-columns: 1fr; padding: 2rem 1.5rem; } }
.consult-text h2 { font-family: 'Merriweather', serif; font-size: clamp(1.4rem,3vw,1.9rem); font-weight: 900; color: #fff; letter-spacing: -.02em; margin-bottom: .75rem; line-height: 1.2; }
.consult-text p { font-size: .95rem; color: rgba(255,255,255,.72); line-height: 1.75; margin-bottom: 1.25rem; }
.consult-points { list-style: none; padding: 0; display: flex; flex-direction: column; gap: .6rem; margin-bottom: 1.5rem; }
.consult-points li { display: flex; align-items: center; gap: .6rem; font-size: .9rem; color: rgba(255,255,255,.82); }
.consult-points li svg { flex-shrink: 0; stroke: var(--gold-lt); }
.consult-actions { display: flex; gap: .75rem; flex-wrap: wrap; }
.consult-btn-primary { display: inline-flex; align-items: center; gap: .5rem; background: #25d366; color: #fff; font-family: 'Lato', sans-serif; font-size: .9rem; font-weight: 700; padding: .75rem 1.4rem; border-radius: var(--r); text-decoration: none; transition: all .2s; box-shadow: 0 2px 12px rgba(37,211,102,.35); }
.consult-btn-primary:hover { background: #1fba58; transform: translateY(-2px); }
.consult-btn-secondary { display: inline-flex; align-items: center; gap: .5rem; background: rgba(255,255,255,.12); color: #fff; font-family: 'Lato', sans-serif; font-size: .9rem; font-weight: 700; padding: .75rem 1.4rem; border-radius: var(--r); text-decoration: none; border: 1.5px solid rgba(255,255,255,.25); transition: all .2s; }
.consult-btn-secondary:hover { background: rgba(255,255,255,.2); }
.consult-card { background: var(--white); border-radius: var(--r2); padding: 1.5rem; box-shadow: 0 8px 32px rgba(0,0,0,.22); border: 1.5px solid rgba(184,134,11,.2); }
.consult-card-header { font-family: 'Merriweather', serif; font-size: 1.05rem; font-weight: 900; color: var(--p); border-bottom: 2px solid var(--gold); padding-bottom: .6rem; margin-bottom: 1.1rem; }
.consult-details { display: flex; flex-direction: column; gap: .9rem; margin-bottom: 1.25rem; }
.consult-detail-row { display: flex; align-items: flex-start; gap: .75rem; }
.consult-detail-row svg { flex-shrink: 0; stroke: var(--p); margin-top: 2px; }
.cd-label { font-size: .7rem; font-family: 'Source Code Pro', monospace; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 2px; }
.cd-value { font-size: .88rem; color: var(--text); font-weight: 500; line-height: 1.5; }
.consult-cta { display: flex; align-items: center; justify-content: center; gap: .5rem; width: 100%; background: var(--p); color: #fff; font-family: 'Lato', sans-serif; font-size: .92rem; font-weight: 700; padding: .85rem; border-radius: var(--r); text-decoration: none; letter-spacing: .02em; transition: all .2s; box-shadow: 0 2px 12px rgba(0,61,107,.25); }
.consult-cta:hover { background: var(--p-mid); transform: translateY(-1px); }

/* ── Print ── */
@media print {
  .emi-tabs, .schedule-actions, .chart-outer, .consult-section, .scenarios-bar,
  .emi-tab-panel:not(.active) { display: none !important; }
  body { background: #fff; }
  .panel, .summary-box { box-shadow: none; border-color: #ddd; page-break-inside: avoid; }
  .result-table { display: table; }
}

/* ── Responsive extras ── */
@media(max-width:600px) {
  .loan-types-grid { grid-template-columns: 1fr; }
  .schedule-head { flex-direction: column; align-items: flex-start; }
  .chart-tabs-row { flex-wrap: wrap; }
}