[hidden]{display:none!important}
/* ==========================================================================
   pb-calc.css - ONE design file for every calculator (public and advisor).
   Change a colour or size here and every calculator follows.
   ========================================================================== */
:root{
  --pbc-navy:#0B1F3A; --pbc-navy-2:#163A66; --pbc-red:#C62828; --pbc-red-dark:#A61F1F;
  --pbc-green:#1E8E5A; --pbc-amber:#B7791F; --pbc-ink:#172033; --pbc-muted:#5F6B7A;
  --pbc-line:#DCE3EA; --pbc-bg:#F2F5F9; --pbc-card:#FFFFFF; --pbc-soft:#F7F9FC;
  --pbc-radius:14px; --pbc-radius-sm:10px; --pbc-shadow:0 4px 14px rgba(11,31,58,.06);
  --pbc-font:Arial,Helvetica,sans-serif; --pbc-fs:16px; --pbc-max:1180px;
}
.pbc,.pbc *{box-sizing:border-box}
body.pbc{margin:0;background:var(--pbc-bg);color:var(--pbc-ink);font-family:var(--pbc-font);font-size:var(--pbc-fs);line-height:1.5}
.pbc a{color:var(--pbc-navy)}
.pbc-wrap{max-width:var(--pbc-max);margin:0 auto;padding:0 20px}
.pbc-main{padding:26px 20px 90px}
.pbc-muted{color:var(--pbc-muted);font-size:14px}
.pbc code{background:#EEF2F6;border-radius:6px;padding:1px 6px;font-size:13px}

/* ---------- Advisor top bar ---------- */
.pbc-top{background:linear-gradient(120deg,var(--pbc-navy),var(--pbc-navy-2));color:#fff;border-bottom:4px solid var(--pbc-red)}
.pbc-top-in{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:20px;padding-bottom:18px}
.pbc-top h1{margin:0;font-size:24px;line-height:1.2}
.pbc-kicker{display:block;color:#AFC2DA;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:4px}
.pbc-nav{display:flex;gap:8px;flex-wrap:wrap}
.pbc-nav a{color:#fff;text-decoration:none;font-weight:700;font-size:14px;border:1px solid rgba(255,255,255,.35);border-radius:var(--pbc-radius-sm);padding:9px 13px;white-space:nowrap}
.pbc-nav a:hover{background:rgba(255,255,255,.12)} .pbc-nav a.primary{background:var(--pbc-red);border-color:var(--pbc-red)}
.pbc-badge{display:inline-block;background:rgba(255,255,255,.14);color:#fff;border-radius:999px;padding:3px 10px;font-size:12px;font-weight:700;letter-spacing:.04em}

/* ---------- Public hero ---------- */
.pbc-hero{background:linear-gradient(120deg,var(--pbc-navy),var(--pbc-navy-2));color:#fff;border-bottom:4px solid var(--pbc-red);padding:38px 0 34px}
.pbc-hero h1{margin:6px 0 10px;font-size:clamp(28px,4vw,40px);line-height:1.15}
.pbc-hero p{margin:0;max-width:760px;color:#D6E0EC;font-size:17px}
.pbc-hero .pbc-kicker{color:#F2A9A9}
.pbc-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.pbc-pills span{border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:5px 11px;font-size:13px;font-weight:700}

/* ---------- Cards and steps ---------- */
.pbc-layout{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:20px;align-items:start}
.pbc-layout .pbc-sticky{position:sticky;top:16px}
.pbc-layout>*{min-width:0}
.pbc-card{background:var(--pbc-card);border:1px solid var(--pbc-line);border-radius:var(--pbc-radius);box-shadow:var(--pbc-shadow);padding:20px;margin-bottom:18px}
.pbc-card-head{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px}
.pbc-card-head h2{margin:0;font-size:19px;color:var(--pbc-navy)} .pbc-card-head p{margin:3px 0 0;color:var(--pbc-muted);font-size:14px}
.pbc-step{flex:0 0 30px;height:30px;border-radius:50%;background:var(--pbc-red);color:#fff;display:grid;place-items:center;font-weight:800;font-size:15px}
.pbc-sub{font-size:15px;color:var(--pbc-navy);margin:18px 0 10px;text-transform:uppercase;letter-spacing:.05em}
.pbc-grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.pbc-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}

/* ---------- Fields ---------- */
.pbc-field{display:flex;flex-direction:column;gap:6px;min-width:0}
.pbc-field>span:first-child,.pbc-label{font-weight:700;font-size:14px;color:var(--pbc-navy)}
.pbc-help{display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;background:#E6ECF3;color:var(--pbc-navy);font-size:12px;font-weight:800;margin-left:6px;cursor:help;border:0;vertical-align:1px}
.pbc-input{display:flex;align-items:center;background:#fff;border:1px solid #B9C6D4;border-radius:var(--pbc-radius-sm);min-height:48px;overflow:hidden}
.pbc-input:focus-within{border-color:var(--pbc-red);box-shadow:0 0 0 3px rgba(198,40,40,.12)}
.pbc-input input,.pbc-input select{flex:1;min-width:0;border:0;outline:0;background:transparent;font:inherit;font-size:17px;padding:10px 12px;color:var(--pbc-ink)}
.pbc-input i{font-style:normal;color:var(--pbc-muted);font-weight:700;padding:0 12px;background:var(--pbc-soft);align-self:stretch;display:grid;place-items:center}
.pbc-input.prefix i{border-right:1px solid var(--pbc-line)} .pbc-input.suffix i{border-left:1px solid var(--pbc-line)}
.pbc-input input[readonly]{background:#F1F4F8;color:var(--pbc-muted)}
.pbc-hint{font-size:13px;color:var(--pbc-muted)}
.pbc-check{display:flex;gap:10px;align-items:flex-start;border:1px solid var(--pbc-line);border-radius:var(--pbc-radius-sm);padding:11px 12px;cursor:pointer;background:#fff}
.pbc-check input{width:18px;height:18px;margin-top:2px;accent-color:var(--pbc-red)}
.pbc-chips{display:flex;flex-wrap:wrap;gap:8px}
.pbc-chip{border:1px solid var(--pbc-line);background:#fff;border-radius:999px;padding:8px 13px;font:inherit;font-size:14px;font-weight:700;color:var(--pbc-navy);cursor:pointer}
.pbc-chip[aria-pressed=true],.pbc-chip.active{background:var(--pbc-navy);border-color:var(--pbc-navy);color:#fff}

/* ---------- Buttons ---------- */
.pbc-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:0 18px;border-radius:var(--pbc-radius-sm);border:1.5px solid transparent;font:inherit;font-weight:800;font-size:15px;cursor:pointer;text-decoration:none;white-space:nowrap}
.pbc-btn.primary{background:var(--pbc-red);color:#fff} .pbc-btn.primary:hover{background:var(--pbc-red-dark)}
.pbc-btn.dark{background:var(--pbc-navy);color:#fff}
.pbc-btn.ghost{background:#fff;border-color:var(--pbc-navy);color:var(--pbc-navy)} .pbc-btn.ghost:hover{background:var(--pbc-navy);color:#fff}
.pbc-btn.wa{background:#1E8E5A;color:#fff}
.pbc-btn[disabled]{opacity:.5;cursor:not-allowed}
.pbc-actions{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:6px 0 18px}

/* ---------- Results ---------- */
.pbc-tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}
.pbc-tile{background:var(--pbc-soft);border:1px solid var(--pbc-line);border-radius:12px;padding:14px}
.pbc-tile small{display:block;color:var(--pbc-muted);font-size:13px;font-weight:700}
.pbc-tile b{display:block;font-size:22px;color:var(--pbc-navy);margin-top:3px;line-height:1.2}
.pbc-tile.hero{background:var(--pbc-navy);border-color:var(--pbc-navy)} .pbc-tile.hero small{color:#AFC2DA} .pbc-tile.hero b{color:#fff;font-size:30px}
.pbc-tile.good b{color:var(--pbc-green)} .pbc-tile.bad b{color:var(--pbc-red)}
/* Lettered working: A + B - C = D */
.pbc-sum{border:1px solid var(--pbc-line);border-radius:12px;overflow:hidden;background:#fff}
.pbc-sum-line{display:flex;align-items:center;gap:12px;padding:11px 14px;border-top:1px solid var(--pbc-line)}
.pbc-sum-line:first-child{border-top:0}
.pbc-sum-line .l{flex:0 0 28px;height:28px;border-radius:8px;background:#EEF2F6;color:var(--pbc-navy);display:grid;place-items:center;font-weight:800;font-size:14px}
.pbc-sum-line .t{flex:1;min-width:0} .pbc-sum-line .t small{display:block;color:var(--pbc-muted);font-size:12.5px}
.pbc-sum-line .v{font-weight:800;color:var(--pbc-navy);white-space:nowrap}
.pbc-sum-line.total{background:var(--pbc-soft)} .pbc-sum-line.total .l{background:var(--pbc-navy);color:#fff} .pbc-sum-line.total .v{font-size:18px}
.pbc-sum-line.gap .l{background:var(--pbc-red);color:#fff} .pbc-sum-line.gap .v{color:var(--pbc-red);font-size:18px}
/* Bars (e.g. GDS/TDS against a limit) */
.pbc-bar{height:12px;background:#E6ECF3;border-radius:999px;overflow:hidden;position:relative}
.pbc-bar i{display:block;height:100%;background:var(--pbc-green);border-radius:999px}
.pbc-bar.over i{background:var(--pbc-red)}

/* ---------- Tables ---------- */
.pbc-table-wrap{overflow-x:auto;border:1px solid var(--pbc-line);border-radius:12px;background:#fff;-webkit-overflow-scrolling:touch}
.pbc-table{width:100%;border-collapse:collapse;font-size:14px}
.pbc-table th{background:var(--pbc-soft);color:var(--pbc-muted);font-size:12px;text-transform:uppercase;letter-spacing:.04em;text-align:right;padding:10px 12px;white-space:nowrap;position:sticky;top:0}
.pbc-table td{padding:9px 12px;border-top:1px solid #E7ECF1;text-align:right;white-space:nowrap}
.pbc-table th:first-child,.pbc-table td:first-child{text-align:left;position:sticky;left:0;background:inherit}
.pbc-table tbody tr:nth-child(even){background:#FAFBFD} .pbc-table tbody tr{background:#fff}
.pbc-table td.num{font-variant-numeric:tabular-nums}

/* ---------- Messages, disclosure, footer ---------- */
.pbc-alert{border-radius:var(--pbc-radius-sm);padding:12px 14px;margin-bottom:16px;font-size:15px;border:1px solid}
.pbc-alert.ok{background:#E9F6EF;border-color:#BFE3CF;color:#155B39} .pbc-alert.bad{background:#FFF1F1;border-color:#F0C7C7;color:#8A1C1C}
.pbc-alert.info{background:#EEF4FB;border-color:#C9DAEE;color:#173E6D}
.pbc-disclose{border-left:4px solid var(--pbc-amber);background:#FFF9EF;border-radius:var(--pbc-radius-sm);padding:12px 14px;font-size:13.5px;color:#5C4513}
.pbc-disclose b{color:#4A3610}
.pbc-foot{color:var(--pbc-muted);font-size:13px;border-top:1px solid var(--pbc-line);margin-top:24px;padding-top:14px}

/* ---------- Share bar (bottom on mobile, inline on desktop) ---------- */
.pbc-share{display:flex;flex-wrap:wrap;gap:8px}
.pbc-share .pbc-btn{min-height:42px;font-size:14px;padding:0 14px}
.pbc-sharebar{position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--pbc-navy);border-top:3px solid var(--pbc-red);display:none}
.pbc-sharebar .in{display:grid;grid-template-columns:repeat(4,1fr)}
.pbc-sharebar a,.pbc-sharebar button{background:none;border:0;color:#fff;font:inherit;font-size:12px;font-weight:700;padding:9px 4px;display:flex;flex-direction:column;align-items:center;gap:2px;text-decoration:none;cursor:pointer}
.pbc-sharebar svg{width:20px;height:20px;stroke:#fff;fill:none;stroke-width:2}

/* ---------- Mobile ---------- */
@media (max-width:900px){.pbc-layout{grid-template-columns:minmax(0,1fr)}.pbc-layout .pbc-sticky{position:static}}
@media (max-width:640px){
  .pbc-main{padding:18px 14px 96px} .pbc-wrap{padding-left:14px;padding-right:14px}
  .pbc-grid-2,.pbc-grid-3{grid-template-columns:1fr}
  .pbc-top h1{font-size:21px}
  .pbc-nav{display:grid;grid-template-columns:repeat(2,1fr);width:100%} .pbc-nav a{text-align:center}
  .pbc-card{padding:16px} .pbc-tile b{font-size:20px} .pbc-tile.hero b{font-size:26px}
  .pbc-actions .pbc-btn{flex:1 1 100%}
  .pbc-sharebar{display:block} .pbc-share.desktop-only{display:none}
}
@media print{.pbc-top .pbc-nav,.pbc-sharebar,.pbc-share,.pbc-actions,.pbc-noprint{display:none!important}
  body.pbc{background:#fff}.pbc-card{box-shadow:none;break-inside:avoid}}
.pbc-brand{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.pbc-brand img{height:40px;width:auto}

/* Information block under the lettered working (Nov 2026) */
.pbc-sum-line.head{background:#F4F7FB;border-top:2px solid var(--pbc-line)}
.pbc-sum-line.head .l{visibility:hidden}
.pbc-sum-line.head .t{font-weight:800;color:var(--pbc-navy)}
.pbc-sum-line.info .l{background:#fff;border:1px solid var(--pbc-line);color:var(--pbc-muted)}
.pbc-sum-line.info .v{color:var(--pbc-muted);font-weight:700}