/* NuVision Lending — Calculator site
   Navy + gold corporate palette, clean sans-serif typography.
   Single page focused on calculators. */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  /* Brand */
  --navy:        #102D5C;    /* primary navy — slightly closer to the logo */
  --navy-deep:   #0A1F40;    /* darker, for backgrounds */
  --navy-soft:   #1B3F73;    /* hover / link */
  --gold:        #C9A24C;    /* logo gold */
  --gold-deep:   #A8842F;
  --gold-soft:   #DDBC74;
  --gold-tint:   #FAF3E0;    /* pale gold wash */

  /* Surfaces */
  --paper:       #FFFFFF;
  --bone:        #F7F6F2;
  --ink:         #14202D;
  --ink-soft:    #475160;
  --ink-mute:    #7B8593;
  --rule:        #E4E6EB;

  /* Status */
  --good:        #2F7A4D;
  --warn:        #B17C2A;
  --bad:         #C0633D;

  /* Type scale */
  --display:     'Manrope', 'Inter', system-ui, -apple-system, sans-serif;
  --body:        'Inter', system-ui, -apple-system, sans-serif;
  --mono:        'JetBrains Mono', ui-monospace, Menlo, monospace;
}

html, body {
  background: var(--bone);
  color: var(--ink);
  font-family: var(--body);
  -webkit-font-smoothing: antialiased;
  font-feature-settings: 'cv11', 'ss01';
}
body { min-height: 100vh; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button { font: inherit; }

/* ─────────────────────────────────────────
   TOP NAV
   ───────────────────────────────────────── */
.top-nav {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  position: sticky; top: 0; z-index: 50;
}
.nav-inner {
  max-width: 1280px; margin: 0 auto;
  padding: 14px 32px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px;
}
.brand { display: inline-flex; align-items: center; gap: 14px; }
.brand-logo { height: 56px; width: auto; display: block; }
.brand-text {
  display: flex; flex-direction: column;
  line-height: 1.1;
}
.brand-name {
  font-family: var(--display);
  font-weight: 800; font-size: 20px;
  color: var(--navy-deep);
  letter-spacing: 0.01em;
}
.brand-sub {
  font-size: 11px; letter-spacing: 0.18em;
  color: var(--ink-mute);
  text-transform: uppercase;
  font-weight: 600;
  margin-top: 4px;
}
.nav-actions { display: flex; gap: 8px; align-items: center; }

.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 18px; border-radius: 8px;
  font-family: var(--body);
  font-size: 13.5px; font-weight: 600; letter-spacing: 0.01em;
  border: 1px solid transparent;
  cursor: pointer; transition: all .15s ease;
  white-space: nowrap;
}
.btn-primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-soft); border-color: var(--navy-soft); }
.btn-gold { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold-deep); border-color: var(--gold-deep); color: #fff; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--rule); }
.btn-ghost:hover { border-color: var(--navy); background: var(--paper); }
.btn-arrow { width: 14px; height: 14px; }

/* ─────────────────────────────────────────
   HERO
   ───────────────────────────────────────── */
.hero {
  background: linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 85% 0%, rgba(201, 162, 76, 0.22) 0%, transparent 55%),
    radial-gradient(circle at 0% 100%, rgba(201, 162, 76, 0.08) 0%, transparent 50%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1280px; margin: 0 auto;
  padding: 56px 32px 48px;
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.4fr 1fr;
  gap: 48px; align-items: end;
}

/* Slim hero — used by default for the LO tool. Single column, compact. */
.hero-slim .hero-inner {
  display: block;
  padding: 22px 32px 24px;
}
.hero-slim .hero-eyebrow {
  font-size: 10.5px;
  margin-bottom: 6px;
}
.hero-slim h1 {
  font-size: clamp(22px, 2.6vw, 30px);
  font-weight: 700;
  letter-spacing: -0.015em;
  margin: 0;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 11px; letter-spacing: 0.22em;
  text-transform: uppercase; font-weight: 700;
  color: var(--gold);
}
.hero-eyebrow::before {
  content: ""; width: 24px; height: 1px; background: var(--gold);
}
.hero h1 {
  font-family: var(--display);
  font-size: clamp(36px, 5vw, 60px);
  font-weight: 700; line-height: 1.04;
  letter-spacing: -0.02em;
  color: #fff; margin: 18px 0 16px;
  text-wrap: balance;
}
.hero h1 span { color: var(--gold); }
.hero p {
  font-size: 17px; line-height: 1.55;
  color: rgba(255, 255, 255, 0.78);
  max-width: 540px;
}
.hero-rates {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  align-self: end;
}
.hero-rate {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 10px;
  padding: 14px 16px;
  position: relative;
}
.hero-rate-label {
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase; font-weight: 600;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 6px;
}
.hero-rate-val {
  font-family: var(--display);
  font-size: 24px; font-weight: 700;
  color: #fff; letter-spacing: -0.01em;
}
.hero-rate-meta {
  grid-column: 1 / -1;
  font-size: 11px; color: rgba(255, 255, 255, 0.5);
  display: flex; align-items: center; gap: 8px;
  margin-top: 4px;
}
.live-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold);
  animation: live-pulse 2.4s ease-in-out infinite;
}
@keyframes live-pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.4; } }

/* ─────────────────────────────────────────
   TAB BAR
   ───────────────────────────────────────── */
.tab-shell {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
  position: sticky; top: 73px; z-index: 40;
}
.tabs {
  max-width: 1280px; margin: 0 auto;
  padding: 0 32px;
  display: flex; gap: 4px;
}
.tab-btn {
  padding: 18px 24px;
  background: transparent; border: none; cursor: pointer;
  font-family: var(--body); font-size: 14.5px; font-weight: 600;
  color: var(--ink-mute);
  border-bottom: 2px solid transparent;
  display: inline-flex; align-items: center; gap: 10px;
  margin-bottom: -1px;
  transition: color .12s;
}
.tab-btn svg { width: 16px; height: 16px; }
.tab-btn:hover { color: var(--navy); }
.tab-btn.is-active {
  color: var(--navy-deep);
  border-bottom-color: var(--gold);
}

/* ─────────────────────────────────────────
   CALCULATOR LAYOUT
   ───────────────────────────────────────── */
.calc {
  max-width: 1280px; margin: 0 auto;
  padding: 40px 32px 36px;
  display: grid; grid-template-columns: 1fr 1.15fr;
  gap: 36px; align-items: start;
}

.panel {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 28px 28px 24px;
  box-shadow: 0 1px 0 rgba(15, 31, 64, 0.02);
}
.panel-head { margin-bottom: 4px; }
.panel-head h2 {
  font-family: var(--display);
  font-size: 22px; font-weight: 700;
  color: var(--navy-deep);
  letter-spacing: -0.015em;
}
.panel-head .sub {
  font-size: 13.5px; color: var(--ink-soft);
  margin-top: 6px; line-height: 1.5;
}

.grp {
  border-top: 1px solid var(--rule);
  padding-top: 22px; margin-top: 22px;
}
.grp:first-of-type { border-top: none; padding-top: 24px; margin-top: 18px; }
.grp-label {
  font-size: 10.5px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--navy); margin-bottom: 16px; font-weight: 700;
  display: flex; align-items: center; gap: 10px;
}
.grp-label::before {
  content: ""; width: 14px; height: 2px; background: var(--gold);
  display: inline-block; border-radius: 2px;
}

/* ─────────────────────────────────────────
   FIELDS
   ───────────────────────────────────────── */
.field { margin-bottom: 18px; }
.field:last-child { margin-bottom: 0; }
.field-row {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 8px;
  gap: 12px;
}
.field label {
  font-size: 13.5px; color: var(--ink); font-weight: 600;
}
.field .out {
  font-family: var(--display);
  font-weight: 700; font-size: 15px;
  color: var(--navy);
  letter-spacing: -0.005em;
}

/* Range slider */
.field input[type=range] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 4px;
  background: var(--rule); border-radius: 999px; outline: none;
  cursor: pointer;
}
.field input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); border: 3px solid #fff;
  box-shadow: 0 0 0 1px var(--navy), 0 2px 6px rgba(15, 31, 64, 0.25);
  cursor: pointer;
  transition: transform .12s;
}
.field input[type=range]::-webkit-slider-thumb:hover {
  transform: scale(1.08); background: var(--gold-deep);
  box-shadow: 0 0 0 1px var(--gold-deep), 0 2px 8px rgba(168, 132, 47, 0.3);
}
.field input[type=range]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--navy); border: 3px solid #fff;
  box-shadow: 0 0 0 1px var(--navy);
  cursor: pointer;
}

/* Text input */
.field-input { position: relative; }
.field-input input[type=number],
.field-input input[type=text] {
  width: 100%; padding: 11px 14px 11px 26px;
  border: 1px solid var(--rule); border-radius: 8px;
  background: var(--paper);
  font-family: var(--body); font-size: 14.5px;
  color: var(--navy); font-weight: 600;
  outline: none; transition: border .12s, box-shadow .12s;
  -moz-appearance: textfield;
}
.field-input input[type=number]::-webkit-outer-spin-button,
.field-input input[type=number]::-webkit-inner-spin-button {
  -webkit-appearance: none; margin: 0;
}
.field-input.no-prefix input[type=number] { padding-left: 14px; }
.field-input input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(16, 45, 92, 0.1);
}
.field-input .pfx, .field-input .sfx {
  position: absolute; top: 50%; transform: translateY(-50%);
  font-size: 13px; color: var(--ink-mute); pointer-events: none;
  font-weight: 500;
}
.field-input .pfx { left: 12px; }
.field-input .sfx { right: 14px; }
.field-input.has-sfx input { padding-right: 36px; }
.field-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

/* Slider with editable value (a UX boost over the original) */
.slider-row {
  display: grid;
  grid-template-columns: 1fr 110px;
  gap: 14px;
  align-items: center;
  margin-top: 4px;
}
.slider-row .field-input input[type=number] {
  text-align: right; padding: 9px 14px 9px 22px;
  font-size: 13.5px;
}
.slider-row .field-input.has-sfx input { padding-right: 30px; }
.slider-row .field-input .pfx { left: 10px; font-size: 12px; }
.slider-row .field-input .sfx { right: 10px; font-size: 12px; }

/* Years + months precision row */
.yrs-mos-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 4px;
}
.yrs-mos-row .field-input input[type=number] {
  text-align: center;
  padding: 10px 32px 10px 14px;
  font-size: 14px;
}
.yrs-mos-row .field-input .sfx {
  right: 12px; font-size: 12px; color: var(--ink-mute);
}

/* Chip buttons */
.btn-group { display: flex; gap: 6px; flex-wrap: wrap; margin-top: 4px; }
.btn-chip {
  flex: 1 1 0;
  min-width: 64px;
  padding: 10px 12px;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 8px;
  font-family: var(--body); font-size: 12.5px; font-weight: 600;
  color: var(--ink-soft);
  cursor: pointer; transition: all .12s;
  text-align: center;
}
.btn-chip:hover { border-color: var(--navy); color: var(--navy); }
.btn-chip.is-active {
  background: var(--navy); border-color: var(--navy);
  color: #fff;
}

/* Toggle rows */
.toggle-row {
  display: grid; grid-template-columns: 1fr auto;
  align-items: center; gap: 14px;
  padding: 14px 16px;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 10px;
  margin-bottom: 10px;
  cursor: pointer;
  transition: all .15s;
}
.toggle-row.is-on {
  border-color: var(--gold);
  background: var(--gold-tint);
}
.toggle-row:hover { border-color: var(--navy); }
.toggle-row.is-on:hover { border-color: var(--gold-deep); }
.toggle-row.has-input { grid-template-columns: 1fr auto 130px; }
.toggle-row .switch {
  width: 38px; height: 22px;
  background: var(--rule); border-radius: 999px;
  position: relative; transition: background .2s;
  flex-shrink: 0;
}
.toggle-row .switch::after {
  content: ""; position: absolute; top: 2px; left: 2px;
  width: 18px; height: 18px; border-radius: 50%;
  background: #fff;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.25);
  transition: transform .2s;
}
.toggle-row.is-on .switch { background: var(--gold-deep); }
.toggle-row.is-on .switch::after { transform: translateX(16px); }
.toggle-title { font-size: 13.5px; font-weight: 700; color: var(--navy-deep); line-height: 1.3; }
.toggle-hint { font-size: 11.5px; color: var(--ink-mute); margin-top: 3px; line-height: 1.4; }
.toggle-row .field-input input {
  padding: 8px 12px 8px 22px;
  font-size: 13px;
  text-align: right;
}
.toggle-row .field-input.has-sfx input { padding-right: 30px; }

/* ─────────────────────────────────────────
   RATE WATCH BLOCK
   ───────────────────────────────────────── */
.rw-block {
  background: var(--navy-deep);
  color: #fff;
  border-radius: 12px;
  padding: 24px 24px 22px;
  margin-top: 22px;
  position: relative; overflow: hidden;
}
.rw-block::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(ellipse at top right, rgba(201, 162, 76, 0.22) 0%, transparent 60%);
  pointer-events: none;
}
.rw-block > * { position: relative; z-index: 1; }
.rw-eyebrow {
  font-size: 10.5px; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold);
  font-weight: 700; margin-bottom: 12px;
  display: inline-flex; align-items: center; gap: 8px;
}
.rw-eyebrow::before { content: ""; width: 18px; height: 1px; background: var(--gold); }
.rw-block h3 {
  font-family: var(--display);
  font-weight: 700; font-size: 20px;
  letter-spacing: -0.015em;
  margin-bottom: 4px;
}
.rw-block .sub {
  font-size: 12.5px; color: rgba(255, 255, 255, 0.6);
  margin-bottom: 16px; line-height: 1.55;
}
.rw-field { margin-bottom: 14px; }
.rw-field-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
.rw-block label { font-size: 12px; color: rgba(255, 255, 255, 0.75); font-weight: 600; }
.rw-field-input {
  position: relative;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  padding: 10px 14px 10px 28px;
}
.rw-field-input input {
  width: 100%; background: transparent; border: 0;
  color: #fff; font-size: 15px; font-weight: 600;
  font-family: var(--body); outline: none;
}
.rw-field-input .pfx {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  font-size: 13px; color: rgba(255, 255, 255, 0.5); pointer-events: none;
}
.rw-result {
  display: grid; grid-template-columns: 1fr auto;
  gap: 18px; align-items: center;
  padding-top: 16px; margin-top: 6px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.rw-result .k {
  font-size: 11px; color: rgba(255, 255, 255, 0.55);
  letter-spacing: 0.14em; text-transform: uppercase;
  font-weight: 700; margin-bottom: 4px;
}
.rw-result .v {
  font-family: var(--display); font-weight: 700;
  font-size: 28px; color: var(--gold);
  letter-spacing: -0.025em;
}
.rw-result .v small {
  font-family: var(--body); font-size: 13px;
  color: rgba(255, 255, 255, 0.55); font-weight: 500;
}
.rw-watch-btn {
  background: var(--gold);
  color: var(--navy-deep);
  border: none;
  padding: 11px 18px;
  border-radius: 8px;
  font-family: var(--body); font-size: 13px; font-weight: 700;
  cursor: pointer; transition: background .15s;
  display: inline-flex; align-items: center; gap: 8px;
}
.rw-watch-btn:hover { background: var(--gold-soft); }
.rw-watch-btn svg { width: 14px; height: 14px; }

/* ─────────────────────────────────────────
   SAVE / PRINT BLOCK
   ───────────────────────────────────────── */
.em-block {
  background: var(--bone);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 20px 22px;
  margin-top: 22px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 18px;
  align-items: center;
}
.em-block-text { display: flex; flex-direction: column; gap: 4px; }
.em-block-title {
  font-family: var(--display);
  font-weight: 700; font-size: 15px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.em-block-sub {
  font-size: 12.5px; color: var(--ink-soft);
  line-height: 1.5;
}
.em-send-btn {
  background: var(--navy);
  color: #fff;
  border: none;
  padding: 11px 18px;
  border-radius: 8px;
  font-family: var(--body); font-size: 13px; font-weight: 700;
  cursor: pointer; transition: background .15s;
  display: inline-flex; align-items: center; gap: 8px;
  white-space: nowrap;
}
.em-send-btn:hover { background: var(--navy-soft); }
.em-send-btn svg { width: 15px; height: 15px; }

.disclaimer {
  margin-top: 20px; padding-top: 18px;
  border-top: 1px solid var(--rule);
  font-size: 11.5px; color: var(--ink-mute); line-height: 1.6;
}

/* ─────────────────────────────────────────
   RESULTS COLUMN
   ───────────────────────────────────────── */
.results { display: flex; flex-direction: column; gap: 22px; }

/* Big headline */
.res-headline {
  background: var(--navy-deep);
  color: #fff;
  padding: 32px 34px 30px;
  border-radius: 12px;
  position: relative; overflow: hidden;
}
.res-headline::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at top right, rgba(201, 162, 76, 0.2) 0%, transparent 60%),
    radial-gradient(ellipse at bottom left, rgba(201, 162, 76, 0.06) 0%, transparent 50%);
  pointer-events: none;
}
.res-headline > * { position: relative; z-index: 1; }
.h-eyebrow {
  font-size: 11px; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold);
  font-weight: 700; margin-bottom: 12px;
  display: inline-flex; align-items: center; gap: 8px;
}
.h-eyebrow::before { content: ""; width: 22px; height: 1px; background: var(--gold); }
.h-big {
  font-family: var(--display);
  font-weight: 700; font-size: 64px;
  line-height: 0.98; letter-spacing: -0.035em;
}
.h-big small {
  font-family: var(--body); font-size: 17px;
  color: rgba(255, 255, 255, 0.55);
  font-weight: 500; letter-spacing: 0;
  margin-left: 6px;
}
.h-sub {
  font-size: 14px; color: rgba(255, 255, 255, 0.7);
  margin-top: 12px; max-width: 420px; line-height: 1.55;
}
.h-ledger {
  margin-top: 26px;
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding-top: 22px;
}
.h-ledger .k {
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase; color: rgba(255, 255, 255, 0.55);
  font-weight: 600; margin-bottom: 6px;
}
.h-ledger .v {
  font-family: var(--display); font-weight: 700;
  font-size: 22px; color: #fff;
  letter-spacing: -0.02em;
}
.h-ledger .v.gold { color: var(--gold); }
.h-ledger .v small {
  font-family: var(--body); font-size: 11px;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 500; letter-spacing: 0;
}

/* PITI breakdown */
.res-piti {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 24px 26px;
}
.res-piti-head {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 18px;
  flex-wrap: wrap; gap: 10px;
}
.res-piti-title {
  font-family: var(--display);
  font-weight: 700; font-size: 17px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.res-piti-total {
  font-family: var(--display); font-weight: 700;
  font-size: 22px; color: var(--navy);
  letter-spacing: -0.02em;
}
.res-piti-total small {
  font-size: 13px; color: var(--ink-mute);
  font-weight: 500; font-family: var(--body);
}
.res-piti-meta {
  font-size: 12px; color: var(--ink-mute);
}
.piti-row {
  display: grid; grid-template-columns: 110px 1fr 96px;
  align-items: center; gap: 14px;
  padding: 8px 0;
}
.piti-row .lbl { font-size: 13px; color: var(--ink-soft); font-weight: 600; }
.piti-row .track { height: 8px; background: var(--rule); border-radius: 999px; overflow: hidden; }
.piti-row .fill { height: 100%; border-radius: 999px; transition: width .35s ease; }
.fill.principal { background: var(--navy); }
.fill.tax       { background: var(--gold); }
.fill.ins       { background: #6B8AB0; }
.fill.pmi       { background: #C0633D; }
.fill.hoa       { background: #7B8593; }
.piti-row .amt {
  font-family: var(--display);
  font-weight: 700; font-size: 14.5px;
  color: var(--navy);
  text-align: right; letter-spacing: -0.005em;
}

/* Buydown summary */
.bd-sum-row {
  display: grid; grid-template-columns: 1fr auto;
  align-items: center; gap: 24px;
}
.bd-sum-k { font-size: 13px; color: var(--navy); font-weight: 700; }
.bd-sum-sub { font-size: 11.5px; color: var(--ink-mute); margin-top: 3px; line-height: 1.4; }
.bd-sum-v {
  font-family: var(--display); font-weight: 700;
  font-size: 24px; color: var(--navy);
  letter-spacing: -0.02em;
}
.bd-sum-v.gold { color: var(--gold-deep); }

/* Compare table */
.res-compare {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  overflow: hidden;
}
.res-compare-head {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  background: var(--bone);
  border-bottom: 1px solid var(--rule);
}
.res-compare-head > div {
  padding: 14px 16px;
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase; font-weight: 700;
  color: var(--ink-mute);
}
.res-compare-head .col-now { color: var(--navy); border-left: 1px solid var(--rule); }
.res-compare-head .col-new { color: var(--ink-mute); border-left: 1px solid var(--rule); }
.res-compare-head .col-opt {
  color: var(--gold-deep);
  border-left: 1px solid var(--rule);
  background: var(--gold-tint);
}
.res-compare-head .col-opt small {
  display: block; font-size: 9px; opacity: 0.8;
  margin-top: 3px; letter-spacing: 0.1em;
}
.res-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr 1fr;
  border-bottom: 1px solid var(--rule);
}
.res-row:last-child { border-bottom: none; }
.res-row > div { padding: 12px 16px; font-size: 13.5px; }
.res-row .k { color: var(--ink-soft); font-weight: 600; }
.res-row .val {
  border-left: 1px solid var(--rule);
  font-family: var(--display);
  font-weight: 700; font-size: 14.5px;
  color: var(--navy);
  letter-spacing: -0.005em;
}
.res-row .val.col-opt {
  background: rgba(201, 162, 76, 0.08);
  color: var(--gold-deep);
}

/* Equity chart */
.res-chart {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 24px 28px 18px;
}
.res-chart-head {
  display: flex; justify-content: space-between; align-items: flex-end;
  margin-bottom: 16px; flex-wrap: wrap; gap: 10px;
}
.res-chart-title {
  font-family: var(--display);
  font-weight: 700; font-size: 16px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.res-chart-sub { font-size: 12px; color: var(--ink-mute); margin-top: 2px; }
.res-chart-legend { display: flex; gap: 16px; font-size: 12px; color: var(--ink-soft); }
.res-chart-legend .sw {
  display: inline-block; width: 12px; height: 12px;
  border-radius: 3px; margin-right: 6px; vertical-align: -1px;
}
.sw.now { background: var(--ink-mute); }
.sw.new { background: var(--navy); }
.sw.opt { background: var(--gold); }
#chart { width: 100%; height: 220px; display: block; }

/* CTA */
.res-cta {
  background: var(--gold-tint);
  border: 1px solid var(--gold-soft);
  border-radius: 12px;
  padding: 22px 26px;
  display: grid; grid-template-columns: 1fr auto;
  gap: 24px; align-items: center;
}
.res-cta-text {
  font-family: var(--display);
  font-weight: 600; font-size: 16px;
  line-height: 1.45;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.res-cta-text span { color: var(--gold-deep); }

/* ─────────────────────────────────────────
   AMORTIZATION TABLE — side-by-side, full width
   ───────────────────────────────────────── */
.amort-section {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px 100px;
}
.amort {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  overflow: hidden;
}
.amort-head {
  padding: 22px 26px 18px;
  display: flex; align-items: flex-end; justify-content: space-between;
  flex-wrap: wrap; gap: 14px;
  border-bottom: 1px solid var(--rule);
}
.amort-title {
  font-family: var(--display);
  font-weight: 700; font-size: 18px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.amort-sub {
  font-size: 12.5px; color: var(--ink-mute);
  margin-top: 4px;
}
.amort-controls {
  display: flex; gap: 6px; align-items: center;
}
.amort-view-toggle {
  background: var(--paper);
  border: 1px solid var(--rule);
  color: var(--ink-soft);
  font-size: 12px; font-weight: 600;
  padding: 8px 14px;
  border-radius: 8px;
  cursor: pointer;
  font-family: var(--body);
  transition: all .12s;
}
.amort-view-toggle:hover { border-color: var(--navy); color: var(--navy); }

.amort-scroll {
  max-height: 560px;
  overflow: auto;
  position: relative;
  border-bottom: 1px solid var(--rule);
}

.amort-table {
  width: 100%; border-collapse: collapse;
  font-family: var(--body);
  font-size: 12.5px;
  min-width: 880px; /* horizontal scroll on narrow screens */
}

/* GROUP HEADERS (Current / New / Optimized / Δ) */
.amort-table thead th {
  background: var(--bone);
  font-weight: 700;
  color: var(--navy);
  padding: 10px 12px;
  text-align: center;
  border-bottom: 1px solid var(--rule);
  font-size: 11px; letter-spacing: 0.06em;
  position: sticky; top: 0; z-index: 3;
}
.amort-table thead th.period-h {
  text-align: left;
  background: var(--bone);
}
.amort-table thead th.delta-h {
  background: #F4E8C8;
  color: var(--gold-deep);
}
.amort-table thead th.delta-h small {
  display: block;
  font-size: 9.5px;
  font-weight: 600;
  opacity: 0.8;
  margin-top: 2px;
  letter-spacing: 0.05em;
}
.amort-table thead th.grp-now { color: var(--ink-mute); border-bottom: 2px solid var(--ink-mute); }
.amort-table thead th.grp-new { color: var(--navy);    border-bottom: 2px solid var(--navy);    }
.amort-table thead th.grp-opt { color: var(--gold-deep); border-bottom: 2px solid var(--gold-deep); background: #FBF5E1; }

.amort-table thead tr.sub-head th {
  background: var(--paper);
  color: var(--ink-mute);
  font-size: 9.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 9px 10px;
  font-weight: 700;
  top: 41px; /* below the group header */
  border-bottom: 1px solid var(--rule);
}
.amort-table thead tr.sub-head th.grp-opt-sub,
.amort-table thead tr.sub-head th.delta-sub {
  /* opaque tint so body rows don't show through when scrolling */
  background: #FBF5E1;
  color: var(--gold-deep);
}

/* BODY CELLS */
.amort-table tbody td {
  padding: 9px 12px;
  border-bottom: 1px solid var(--rule);
  text-align: right;
  font-variant-numeric: tabular-nums;
  font-weight: 500;
}
.amort-table tbody tr:last-child td { border-bottom: none; }
.amort-table tbody td.period-c {
  text-align: left;
  color: var(--ink-soft);
  font-weight: 700;
  background: var(--bone);
  position: sticky; left: 0;
  border-right: 1px solid var(--rule);
}

/* Subtle column-group separators */
.amort-table tbody td.col-now.col-p,
.amort-table tbody td.col-new.col-p,
.amort-table tbody td.col-opt.col-p { border-left: 1px solid var(--rule); }

.amort-table tbody td.col-now { color: var(--ink-soft); }
.amort-table tbody td.col-new { color: var(--navy); }
.amort-table tbody td.col-opt {
  background: rgba(201, 162, 76, 0.05);
  color: var(--gold-deep);
}
.amort-table tbody td.col-b {
  font-family: var(--display);
  font-weight: 700;
}
.amort-table tbody td.col-i { color: var(--ink-mute); }

.amort-table tbody td.col-delta {
  background: rgba(201, 162, 76, 0.1);
  color: var(--gold-deep);
  font-family: var(--display);
  font-weight: 700;
  border-left: 1px solid var(--rule);
}

.amort-table tbody tr:hover td:not(.period-c) { background: rgba(15, 31, 64, 0.025); }
.amort-table tbody tr:hover td.col-opt   { background: rgba(201, 162, 76, 0.1); }
.amort-table tbody tr:hover td.col-delta { background: rgba(201, 162, 76, 0.18); }
.amort-table tbody tr:hover td.period-c  { background: var(--bone); }

.amort-table tbody tr.is-payoff td {
  background: rgba(47, 122, 77, 0.08) !important;
  color: var(--good);
  font-weight: 700;
}

.amort-empty {
  padding: 36px 26px;
  text-align: center;
  color: var(--ink-mute);
  font-size: 13px;
}

.amort-foot {
  padding: 14px 26px;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
  background: var(--bone);
  font-size: 12px; color: var(--ink-mute);
}
.amort-legend { display: flex; gap: 18px; }
.amort-legend .sw {
  display: inline-block; width: 12px; height: 12px;
  border-radius: 3px; margin-right: 6px; vertical-align: -1px;
}
.amort-legend .sw.now { background: var(--ink-mute); }
.amort-legend .sw.new { background: var(--navy); }
.amort-legend .sw.opt { background: var(--gold-deep); }
.amort-note { font-style: italic; }

@media (max-width: 960px) {
  .amort-section { padding: 0 20px 60px; }
  .amort-head { padding: 18px 20px 14px; }
  .amort-foot { padding: 12px 20px; }
  .amort-table { font-size: 11.5px; min-width: 780px; }
  .amort-table thead th { padding: 8px 8px; font-size: 10px; }
  .amort-table thead tr.sub-head th { font-size: 9px; padding: 7px 8px; top: 36px; }
  .amort-table tbody td { padding: 7px 8px; }
}

@media (max-width: 640px) {
  .amort-table { min-width: 720px; }
  .amort-foot { flex-direction: column; align-items: flex-start; }
}
.dti-result {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 24px 26px;
}
.dti-result-head {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 4px;
}
.dti-result-title {
  font-family: var(--display);
  font-weight: 700; font-size: 17px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
}
.dti-result-sub {
  font-size: 12.5px; color: var(--ink-mute);
  margin-bottom: 18px;
}
.dti-gauge {
  background: var(--bone);
  border: 1px solid var(--rule);
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 18px;
}
.dti-gauge-label {
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--ink-mute);
  font-weight: 700; margin-bottom: 10px;
}
.dti-gauge-val {
  font-family: var(--display); font-weight: 700;
  font-size: 36px; color: var(--navy);
  letter-spacing: -0.025em; line-height: 1;
  display: flex; align-items: baseline; gap: 4px;
}
.dti-gauge-val small {
  font-size: 14px; color: var(--ink-mute);
  font-weight: 500; font-family: var(--body);
}
.dti-gauge.good .dti-gauge-val { color: var(--good); }
.dti-gauge.warn .dti-gauge-val { color: var(--warn); }
.dti-gauge.bad  .dti-gauge-val { color: var(--bad); }
.dti-gauge-bar {
  height: 6px; background: var(--rule);
  border-radius: 999px; overflow: hidden;
  margin-top: 14px;
}
.dti-gauge-bar > div {
  height: 100%; transition: width .3s;
  background: var(--good); border-radius: 999px;
}
.dti-gauge.warn .dti-gauge-bar > div { background: var(--warn); }
.dti-gauge.bad  .dti-gauge-bar > div { background: var(--bad); }
.dti-gauge-hint { font-size: 11.5px; color: var(--ink-mute); margin-top: 10px; line-height: 1.45; }

.dti-status {
  display: grid; grid-template-columns: auto 1fr;
  gap: 16px; align-items: flex-start;
  padding: 18px 20px;
  border-radius: 10px;
  background: rgba(47, 122, 77, 0.08);
  border: 1px solid rgba(47, 122, 77, 0.2);
}
.dti-status-dot {
  width: 12px; height: 12px; border-radius: 50%;
  background: var(--good); margin-top: 5px;
  box-shadow: 0 0 0 4px rgba(47, 122, 77, 0.18);
}
.dti-status.warn { background: rgba(177, 124, 42, 0.1); border-color: rgba(177, 124, 42, 0.25); }
.dti-status.warn .dti-status-dot { background: var(--warn); box-shadow: 0 0 0 4px rgba(177, 124, 42, 0.18); }
.dti-status.bad  { background: rgba(192, 99, 61, 0.1);  border-color: rgba(192, 99, 61, 0.25); }
.dti-status.bad  .dti-status-dot { background: var(--bad); box-shadow: 0 0 0 4px rgba(192, 99, 61, 0.18); }
.dti-status-headline {
  font-family: var(--display);
  font-weight: 700; font-size: 15px;
  color: var(--navy);
  letter-spacing: -0.005em;
  margin-bottom: 4px;
}
.dti-status-sub { font-size: 12.5px; color: var(--ink-soft); line-height: 1.55; }

/* ─────────────────────────────────────────
   MODAL
   ───────────────────────────────────────── */
.modal-backdrop {
  position: fixed; inset: 0;
  background: rgba(10, 31, 64, 0.6);
  z-index: 100;
  display: none; align-items: center; justify-content: center;
  padding: 24px;
  backdrop-filter: blur(4px);
}
.modal-backdrop.is-open { display: flex; }
.modal {
  background: var(--paper);
  border-radius: 14px;
  box-shadow: 0 50px 100px -20px rgba(0, 0, 0, 0.4);
  max-width: 480px; width: 100%;
  overflow: hidden;
  animation: modal-rise .25s ease;
}
@keyframes modal-rise {
  from { transform: translateY(20px); opacity: 0; }
  to   { transform: translateY(0); opacity: 1; }
}
.modal-head {
  background: var(--navy-deep);
  color: #fff;
  padding: 28px 32px;
  position: relative;
}
.modal-close {
  position: absolute; top: 16px; right: 16px;
  width: 32px; height: 32px; border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #fff; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background .15s;
}
.modal-close:hover { background: rgba(255, 255, 255, 0.16); }
.modal-head h2 {
  font-family: var(--display); font-weight: 700;
  font-size: 24px; letter-spacing: -0.015em;
  margin-bottom: 6px;
}
.modal-head h2 span { color: var(--gold); }
.modal-head p {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.55;
}
.modal-body { padding: 24px 32px 28px; }
.modal-row { margin-bottom: 16px; }
.modal-row label {
  display: block;
  font-size: 11px; letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-mute);
  margin-bottom: 6px; font-weight: 700;
}
.modal-row input,
.modal-row .field-input input {
  width: 100%; padding: 12px 14px;
  border: 1px solid var(--rule); border-radius: 8px;
  background: var(--paper);
  font-family: var(--body); font-size: 14.5px;
  color: var(--navy); font-weight: 600;
  outline: none;
}
.modal-row .field-input input { padding-left: 26px; }
.modal-row input:focus { border-color: var(--navy); }
.modal-summary {
  background: var(--gold-tint);
  border: 1px solid var(--gold-soft);
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 18px;
  font-size: 12.5px; color: var(--ink-soft);
  line-height: 1.6;
}
.modal-summary strong { color: var(--navy-deep); font-weight: 700; }
.modal-submit {
  width: 100%;
  background: var(--navy); color: #fff;
  border: none;
  padding: 14px 18px;
  border-radius: 8px;
  font-family: var(--body); font-size: 14px; font-weight: 700;
  cursor: pointer; transition: background .15s;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
}
.modal-submit:hover { background: var(--navy-soft); }
.modal-submit svg { width: 15px; height: 15px; }
.modal-disclaimer {
  font-size: 11px; color: var(--ink-mute);
  margin-top: 12px; line-height: 1.5; text-align: center;
}

/* ─────────────────────────────────────────
   FOOTER
   ───────────────────────────────────────── */
.site-foot {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.6);
  padding: 40px 32px 28px;
  font-size: 12px;
}
.foot-inner {
  max-width: 1280px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 22px;
}
.foot-top {
  display: flex; justify-content: space-between; align-items: flex-start;
  gap: 32px; flex-wrap: wrap;
  padding-bottom: 22px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.foot-brand {
  display: flex; align-items: center; gap: 14px;
}
.foot-brand img { height: 44px; width: auto; }
.foot-brand-text strong { color: #fff; font-weight: 700; display: block; font-size: 14px; letter-spacing: 0.02em; }
.foot-brand-text span { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255, 255, 255, 0.5); margin-top: 3px; display: block; }
.foot-contact { text-align: right; line-height: 1.7; font-size: 12.5px; }
.foot-contact a { color: rgba(255, 255, 255, 0.85); font-weight: 600; }
.foot-contact a:hover { color: var(--gold); }
.foot-eho {
  display: flex; align-items: center; gap: 12px;
  font-size: 10.5px; letter-spacing: 0.14em;
  text-transform: uppercase; font-weight: 600;
  color: rgba(255, 255, 255, 0.55);
}
.foot-eho svg { color: rgba(255, 255, 255, 0.5); }
.foot-disclaimer {
  font-size: 11px; color: rgba(255, 255, 255, 0.45);
  line-height: 1.6;
}
.foot-meta {
  display: flex; justify-content: space-between;
  gap: 24px; flex-wrap: wrap;
  font-size: 11px; color: rgba(255, 255, 255, 0.4);
}

/* ─────────────────────────────────────────
   MOBILE
   ───────────────────────────────────────── */
@media (max-width: 960px) {
  .nav-inner { padding: 12px 20px; }
  .brand-text { display: none; }
  .nav-actions .btn-ghost { display: none; }

  .hero-inner {
    padding: 40px 20px 36px;
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .hero h1 { font-size: clamp(30px, 7vw, 44px); }
  .hero p { font-size: 15px; }
  .hero-rates { grid-template-columns: 1fr 1fr; }

  .tab-shell { top: 67px; }
  .tabs { padding: 0 20px; }
  .tab-btn { padding: 14px 16px; font-size: 13.5px; }

  .calc {
    padding: 28px 20px 60px;
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .panel { padding: 22px; }
  .field-grid-2 { grid-template-columns: 1fr; gap: 14px; }
  .slider-row { grid-template-columns: 1fr; gap: 8px; }

  .toggle-row.has-input { grid-template-columns: 1fr auto 110px; gap: 10px; }

  .h-big { font-size: 44px; }
  .h-ledger { grid-template-columns: 1fr 1fr; gap: 18px; }
  .h-ledger .v { font-size: 18px; }

  .res-headline { padding: 24px 22px; }
  .res-piti, .res-chart, .dti-result { padding: 20px 22px; }

  .res-compare { overflow-x: auto; }
  .res-compare-head, .res-row { min-width: 540px; }

  .res-cta {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .res-cta .btn { width: 100%; justify-content: center; }

  .em-block { grid-template-columns: 1fr; gap: 14px; }
  .em-send-btn { justify-content: center; }

  .foot-top { flex-direction: column; gap: 18px; }
  .foot-contact { text-align: left; }
  .foot-meta { flex-direction: column; gap: 8px; }
}

@media (max-width: 480px) {
  .hero-rates { grid-template-columns: 1fr 1fr; gap: 8px; }
  .hero-rate { padding: 12px 14px; }
  .hero-rate-val { font-size: 20px; }

  .h-big { font-size: 36px; }
  .h-ledger { grid-template-columns: 1fr; }

  .piti-row { grid-template-columns: 90px 1fr 70px; gap: 10px; font-size: 12px; }
  .piti-row .lbl { font-size: 12px; }
  .piti-row .amt { font-size: 13px; }

  .toggle-row.has-input { grid-template-columns: 1fr auto; }
  .toggle-row.has-input .field-input { grid-column: 1 / -1; margin-top: 6px; }
}

/* ─────────────────────────────────────────
   PRINT
   ───────────────────────────────────────── */
@media screen {
  .print-only { display: none !important; }
}

@media print {
  @page { size: letter; margin: 0.4in; }

  * {
    background: transparent !important;
    background-image: none !important;
    box-shadow: none !important;
    text-shadow: none !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }
  *::before, *::after {
    background: transparent !important;
    background-image: none !important;
  }
  html, body {
    background: #fff !important;
    color: #14202D !important;
    margin: 0 !important;
    padding: 0 !important;
    width: 100% !important;
    overflow: visible !important;
  }
  body { font-size: 10px !important; }

  /* Hide site chrome and non-essential blocks */
  .top-nav, .hero, .tab-shell, .site-foot,
  .modal-backdrop, .em-block, .res-cta, .rw-block,
  .toggle-row, .res-chart, .disclaimer,
  .grp:has(.toggle-row),
  input[type="range"], .slider-row > input[type="range"],
  #p-buydown-card,
  .panel-head .sub,
  .amort-view-toggle,
  .amort-foot
  { display: none !important; }

  /* Hide whichever tab the user isn't printing */
  body[data-print-mode="refi"]     [data-tab-panel="purchase"] { display: none !important; }
  body[data-print-mode="purchase"] [data-tab-panel="refi"]     { display: none !important; }

  [data-tab-panel] { display: block !important; }
  .print-only { display: block !important; }

  /* Branded print header */
  .print-header {
    padding: 0 0 10px 0;
    border-bottom: 2px solid #102D5C !important;
    margin: 0 0 12px 0 !important;
    page-break-after: avoid;
  }
  .print-header .ph-top {
    display: flex !important;
    justify-content: space-between !important;
    align-items: center !important;
    gap: 24px;
  }
  .print-header .ph-brand {
    display: flex !important; align-items: center !important; gap: 12px !important;
  }
  .print-header .ph-brand img { height: 44px !important; width: auto !important; }
  .print-header .ph-brand-text strong {
    font-family: 'Manrope', sans-serif !important;
    font-weight: 800 !important; font-size: 14px !important;
    color: #102D5C !important; letter-spacing: 0.4px !important; display: block;
  }
  .print-header .ph-brand-text span {
    font-size: 8.5px !important; letter-spacing: 1.6px !important;
    color: #7B8593 !important; text-transform: uppercase !important;
    font-weight: 700 !important;
  }
  .print-header .ph-contact {
    text-align: right !important; font-size: 9px !important; color: #475160 !important;
    line-height: 1.5 !important;
  }
  .print-header .ph-contact strong {
    color: #102D5C !important; font-weight: 700 !important; display: block !important;
    font-size: 10px !important; margin-bottom: 2px;
  }
  .print-header .ph-title {
    margin-top: 8px !important;
    font-family: 'Manrope', sans-serif !important;
    font-size: 16px !important; font-weight: 700 !important; color: #102D5C !important;
    letter-spacing: -0.4px;
  }
  .print-header .ph-title span { color: #A8842F !important; }
  .print-header .ph-date {
    font-size: 8.5px !important; color: #7B8593 !important;
    letter-spacing: 0.8px; text-transform: uppercase;
    font-weight: 700 !important; margin-top: 3px;
  }

  /* Calc layout: single column on paper */
  section.calc {
    display: block !important;
    padding: 0 !important;
    margin: 0 !important;
    max-width: 100% !important;
    page-break-inside: auto !important;
  }
  section.calc > * {
    padding: 0 !important;
    margin: 0 0 10px 0 !important;
    max-width: 100% !important;
    width: 100% !important;
    border-radius: 0 !important;
    border: none !important;
  }

  .panel-head h2 {
    font-family: 'Manrope', sans-serif !important;
    color: #102D5C !important;
    font-size: 13px !important;
    font-weight: 700 !important;
    border-bottom: 1px solid #E4E6EB;
    padding-bottom: 4px !important;
    margin-bottom: 6px !important;
  }
  .grp {
    margin-bottom: 8px !important;
    padding: 0 !important;
    border: none !important;
    page-break-inside: avoid;
  }
  .grp-label {
    color: #A8842F !important;
    font-size: 8.5px !important;
    letter-spacing: 1.3px;
    text-transform: uppercase;
    font-weight: 700;
    margin-bottom: 4px !important;
    padding: 0 !important;
  }
  .grp-label::before { display: none !important; }
  .field {
    margin: 0 !important;
    padding: 3px 0 !important;
    border-bottom: 1px solid #E4E6EB !important;
  }
  .field-row {
    display: flex !important;
    justify-content: space-between !important;
    align-items: center !important;
    gap: 10px;
    margin-bottom: 0 !important;
  }
  .field-row label {
    color: #475160 !important;
    font-size: 10px !important;
    font-weight: 600;
  }
  .field .out, .out {
    color: #102D5C !important;
    font-weight: 700 !important;
    font-size: 10.5px !important;
    font-family: 'Inter', sans-serif !important;
  }
  .slider-row,
  .yrs-mos-row { display: none !important; }
  .field input[type="number"], .field input[type="text"] {
    border: none !important;
    color: #102D5C !important;
    font-size: 10.5px !important;
    font-weight: 700 !important;
    padding: 0 !important;
    width: auto !important;
    background: transparent !important;
  }
  .field-input { display: inline-flex !important; align-items: baseline !important; gap: 2px !important; position: static !important; padding: 0 !important; border: none !important; }
  .field-input .pfx, .field-input .sfx {
    position: static !important;
    transform: none !important;
    color: #7B8593 !important;
    font-size: 10px !important;
  }
  .field-input .pfx { order: -1; margin-right: 2px; }
  .field-input .sfx { margin-left: 2px; }
  .field-input.has-sfx input { padding-right: 0 !important; }

  /* Purchase: 2-col grids stay 2-col */
  .field-grid-2 { display: grid !important; grid-template-columns: 1fr 1fr !important; gap: 8px 18px !important; }

  .btn-group { display: flex !important; gap: 3px; margin-top: 3px; flex-wrap: wrap; }
  .btn-group button {
    font-size: 9px !important;
    color: #475160 !important;
    border: 1px solid #E4E6EB !important;
    padding: 2px 6px !important;
    border-radius: 3px !important;
    font-weight: 600;
    background: transparent !important;
  }
  .btn-group button.is-active {
    background: #FAF3E0 !important;
    color: #A8842F !important;
    border-color: #C9A24C !important;
    font-weight: 700;
  }

  /* Results column: stack normally */
  .results { gap: 8px !important; }

  /* Results headline */
  .res-headline {
    padding: 10px 0 !important;
    border-top: 1px solid #E4E6EB !important;
    border-bottom: 1px solid #E4E6EB !important;
    margin: 6px 0 10px !important;
    page-break-inside: avoid;
  }
  .h-eyebrow {
    color: #A8842F !important;
    font-size: 9px !important;
    letter-spacing: 1.4px !important;
    font-weight: 700;
  }
  .h-eyebrow::before { background: #A8842F !important; }
  .h-big {
    color: #102D5C !important;
    font-size: 26px !important;
    font-family: 'Manrope', sans-serif !important;
    font-weight: 700 !important;
    line-height: 1 !important;
  }
  .h-big small {
    font-size: 12px !important;
    color: #7B8593 !important;
  }
  .h-sub {
    color: #475160 !important;
    font-size: 10px !important;
    line-height: 1.45;
    margin-top: 6px !important;
    max-width: 100% !important;
  }
  .h-ledger {
    display: grid !important;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 10px;
    margin-top: 8px !important;
    border-top: 1px solid #E4E6EB !important;
    padding-top: 8px !important;
  }
  .h-ledger .k { color: #7B8593 !important; font-size: 8.5px !important; letter-spacing: 0.9px; }
  .h-ledger .v {
    color: #102D5C !important;
    font-family: 'Manrope', sans-serif !important;
    font-size: 12px !important;
    font-weight: 700 !important;
  }
  .h-ledger .v.gold { color: #A8842F !important; }

  /* PITI */
  .res-piti {
    page-break-inside: avoid;
    border: 1px solid #E4E6EB !important;
    border-radius: 4px !important;
    padding: 8px 10px !important;
  }
  .res-piti-head {
    display: flex !important;
    justify-content: space-between !important;
    padding-bottom: 6px;
    border-bottom: 1px solid #E4E6EB !important;
    margin-bottom: 6px;
  }
  .res-piti-title {
    font-family: 'Manrope', sans-serif !important;
    color: #102D5C !important;
    font-size: 11px !important;
    font-weight: 700 !important;
  }
  .res-piti-total {
    font-family: 'Manrope', sans-serif !important;
    color: #A8842F !important;
    font-size: 14px !important;
  }
  .piti-row {
    display: grid !important;
    grid-template-columns: 110px 1fr 70px !important;
    align-items: center;
    padding: 3px 0 !important;
    font-size: 10px !important;
    gap: 10px;
  }
  .piti-row .lbl { color: #475160 !important; }
  .piti-row .amt {
    color: #102D5C !important;
    font-weight: 700 !important;
    text-align: right;
  }
  .piti-row .track {
    background: #F7F6F2 !important;
    height: 4px !important;
    border-radius: 3px;
    overflow: hidden;
  }
  .piti-row .fill { background: #A8842F !important; height: 100% !important; }

  /* Compare table */
  .res-compare {
    page-break-inside: avoid;
    border: 1px solid #E4E6EB !important;
    border-radius: 4px !important;
    overflow: hidden;
  }
  .res-compare-head {
    background: #F7F6F2 !important;
  }
  .res-compare-head > div {
    padding: 6px 8px !important;
    font-size: 8.5px !important;
    color: #A8842F !important;
    border-left-color: #E4E6EB !important;
  }
  .res-compare-head .col-opt {
    background: #FAF3E0 !important;
    color: #A8842F !important;
  }
  .res-row {
    font-size: 10px !important;
    border-bottom-color: #E4E6EB !important;
  }
  .res-row > div {
    padding: 4px 8px !important;
    border-left-color: #E4E6EB !important;
  }
  .res-row .k { color: #475160 !important; }
  .res-row .val {
    font-size: 10.5px !important;
    font-family: 'Manrope', sans-serif !important;
    color: #102D5C !important;
  }
  .res-row .val.col-opt { background: #FAF3E0 !important; color: #A8842F !important; }

  /* DTI (purchase) */
  .dti-result {
    page-break-inside: avoid;
    border: 1px solid #E4E6EB !important;
    border-radius: 4px !important;
    padding: 8px 10px !important;
  }
  .dti-result-title { color: #102D5C !important; font-size: 11px !important; }
  .dti-result-sub { font-size: 9.5px !important; margin-bottom: 8px !important; }
  .dti-gauge { padding: 8px 10px !important; margin-bottom: 6px !important; border: 1px solid #E4E6EB !important; }
  .dti-gauge-label { font-size: 8.5px !important; margin-bottom: 4px !important; }
  .dti-gauge-val { color: #102D5C !important; font-size: 18px !important; }
  .dti-gauge-bar { background: #F7F6F2 !important; height: 4px !important; margin-top: 6px !important; }
  .dti-gauge-bar > div { background: #A8842F !important; }
  .dti-gauge-hint { font-size: 9px !important; margin-top: 6px !important; }
  .dti-status { border: 1px solid #E4E6EB !important; padding: 8px 10px !important; }
  .dti-status-dot { box-shadow: none !important; width: 8px !important; height: 8px !important; }
  .dti-status-headline { font-size: 11px !important; }
  .dti-status-sub { font-size: 9.5px !important; }

  /* ──────── AMORTIZATION ON PRINT ────────
     Page 2 onward: landscape would be nicer but we can't force per-section
     orientation reliably across browsers. We scale font + padding instead
     so the 10-column table fits within letter portrait at 0.4in margins. */
  .amort-section {
    padding: 0 !important;
    margin: 0 !important;
    page-break-before: always !important;
  }
  .amort {
    border: 1px solid #E4E6EB !important;
    border-radius: 4px !important;
    overflow: visible !important;
  }
  .amort-head {
    padding: 8px 10px !important;
    border-bottom: 1px solid #E4E6EB !important;
    page-break-after: avoid;
  }
  .amort-title {
    font-family: 'Manrope', sans-serif !important;
    color: #102D5C !important;
    font-size: 13px !important;
    font-weight: 700 !important;
  }
  .amort-sub { font-size: 9.5px !important; color: #7B8593 !important; margin-top: 2px !important; }
  .amort-controls { display: none !important; }
  .amort-scroll {
    max-height: none !important;
    overflow: visible !important;
    border-bottom: none !important;
  }
  .amort-table {
    min-width: 0 !important;
    width: 100% !important;
    font-size: 8px !important;
    table-layout: fixed !important;
  }
  .amort-table thead th {
    padding: 4px 3px !important;
    font-size: 7.5px !important;
    letter-spacing: 0.04em;
    background: #F7F6F2 !important;
    position: static !important;
    border-bottom: 1px solid #E4E6EB !important;
  }
  .amort-table thead th.grp-now { color: #7B8593 !important; border-bottom-color: #7B8593 !important; }
  .amort-table thead th.grp-new { color: #102D5C !important; border-bottom-color: #102D5C !important; }
  .amort-table thead th.grp-opt { color: #A8842F !important; background: #FAF3E0 !important; }
  .amort-table thead th.delta-h { background: #FAF3E0 !important; color: #A8842F !important; }
  .amort-table thead th.delta-h small { font-size: 6.5px !important; margin-top: 1px !important; }
  .amort-table thead tr.sub-head th {
    font-size: 6.5px !important;
    padding: 3px 2px !important;
    background: #fff !important;
    color: #7B8593 !important;
    letter-spacing: 0.08em;
    top: auto !important;
  }
  .amort-table tbody td {
    padding: 3px 2px !important;
    font-size: 8px !important;
    border-bottom: 1px solid #F0EFEA !important;
  }
  .amort-table tbody td.period-c {
    background: #F7F6F2 !important;
    border-right: 1px solid #E4E6EB !important;
    position: static !important;
    font-size: 8px !important;
    padding: 3px 4px !important;
  }
  .amort-table tbody td.col-now { color: #7B8593 !important; }
  .amort-table tbody td.col-new { color: #102D5C !important; }
  .amort-table tbody td.col-opt {
    background: rgba(201, 162, 76, 0.06) !important;
    color: #A8842F !important;
  }
  .amort-table tbody td.col-b { font-family: 'Manrope', sans-serif !important; font-weight: 700 !important; }
  .amort-table tbody td.col-delta {
    background: #FAF3E0 !important;
    color: #A8842F !important;
    font-weight: 700;
    border-left: 1px solid #E4E6EB !important;
  }
  .amort-table tbody tr.is-payoff td {
    background: rgba(47, 122, 77, 0.1) !important;
    color: #2F7A4D !important;
  }

  /* Print footer */
  .print-footer {
    margin-top: 14px !important;
    padding-top: 10px !important;
    border-top: 1px solid #E4E6EB !important;
    font-size: 8.5px !important;
    color: #7B8593 !important;
    line-height: 1.5 !important;
    page-break-inside: avoid;
  }
  .print-footer strong { color: #102D5C !important; }
}