/* RDSP v1 — consistent PankajBhatia.ca navy/red site shell. */
:root{--pb-navy:#0B1F3A;--pb-red:#C62828;--pb-dark:#20242B}
body{margin:0;background:#edf1f6;color:#16253c;font-family:Lato,Arial,Helvetica,sans-serif}
.pb-tfsa-app *, .pb-tfsa-app *::before, .pb-tfsa-app *::after{box-sizing:border-box}
.pb-tfsa-app .pb-topbar-inner{box-sizing:border-box!important;max-width:1220px!important}
.pb-tfsa-app .pb-support{min-width:0}
.pb-rdsp-page{--pbd-red:#C62828;--pbd-red-dark:#A91C21;--pbd-charcoal:#0B1F3A;--pbd-text:#1E2A3D;--pbd-muted:#536176;--pbd-surface:#fff;--pbd-soft:#F0F3F8;max-width:1220px;margin:0 auto 38px;padding:18px clamp(10px,2.5vw,24px);font-size:14px}
.pbd-shell{background:#fff;border:1px solid #d7dee9;box-shadow:0 14px 40px rgba(11,31,58,.1)}
.pbd-hero{background:radial-gradient(circle at 90% 0%,#30384e 0%,#0B1F3A 55%,#091727 100%)!important;color:#fff!important}
.pbd-hero h1,.pbd-hero p,.pbd-eyebrow{color:#fff!important}
.pbd-hero .pbd-button.secondary{background:#fff!important;color:#0B1F3A!important}
.pbd-input-panel,.pbd-results-panel,.pbd-result-card,.pbd-suggestion,.pbd-info-card,.pbd-rule-card,.pbd-faq-item{color:#203048}
.pb-rdsp-page .pbd-section-title,.pb-rdsp-page .pbd-subheading,.pb-rdsp-page h2,.pb-rdsp-page h3{color:#0B1F3A}
.pb-rdsp-page p,.pb-rdsp-page li,.pb-rdsp-page td,.pb-rdsp-page label{color:inherit}
.pb-rdsp-page .pbd-hero h1{font-size:clamp(27px,3vw,43px);line-height:1.14}
.pb-rdsp-page input,.pb-rdsp-page select,.pb-rdsp-page textarea{font-size:16px}
.pb-rdsp-page .pbd-input,.pb-rdsp-page .pbd-select{color:#0B1F3A!important;background:#fff!important;border-color:#bfcbd9!important}
.pb-rdsp-page .pbd-input:focus,.pb-rdsp-page .pbd-select:focus{outline:2px solid #C62828;outline-offset:1px}
.pbd-button.primary,.pbd-calculator-grid .primary{background:#C62828!important;color:#fff!important}
.pb-rdsp-page a{color:#ae2329}.pb-rdsp-page a:focus-visible,.pb-rdsp-page button:focus-visible{outline:3px solid #e06969;outline-offset:2px}
.pbd-hero a,.pb-site-footer a,.pb-site-header a{color:inherit}
.pb-rdsp-page .pbd-result-primary,.pb-rdsp-page .pbd-results-hero{background:#0B1F3A!important;color:#fff!important}
.pbd-result-primary *, .pbd-results-hero *{color:#fff!important}
.pbd-suggestion.good{background:#edf8f2!important;color:#133d27}.pbd-suggestion.warn{background:#fff7e7!important;color:#4c3300}.pbd-suggestion.alert{background:#fff1f1!important;color:#632222}
.pbd-suggestion strong,.pbd-suggestion span{color:inherit!important}
.pb-share-section{padding:18px 24px;border-bottom:1px solid #d9e0e9;background:#0B1F3A;color:#fff;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:14px}
.pb-share-label{display:flex;flex-direction:column;gap:3px;max-width:450px}.pb-share-label strong{font-size:16px}.pb-share-label span{font-size:12px;color:#d6deec}.pb-share-actions{display:flex;flex-wrap:wrap;gap:7px}
.pb-share-btn{border:1px solid #465976;background:#263b58!important;color:#fff!important;border-radius:9px;padding:9px 14px;cursor:pointer;font-weight:800;font-size:12px!important;min-width:104px;text-align:left}.pb-share-btn:hover{background:#C62828!important}.pb-share-btn span{display:block;font-weight:400;font-size:10px;color:#dce3ee;margin-top:2px}
.pb-calc-status{width:100%;font-size:12px;color:#dfe6f0;min-height:13px}
.pb-methodology{padding:26px clamp(17px,4vw,42px);background:#0B1F3A;color:#edf4ff}.pb-methodology h2{color:#fff!important;margin:6px 0 12px}.pb-methodology p{color:#e0e8f4!important}.pb-methodology-kicker{font-size:11px;color:#ffaaaa;font-weight:800;letter-spacing:1.5px}.pb-methodology-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:19px 0}.pb-methodology-grid>div{border:1px solid #4d607a;background:#1a2d49;border-radius:12px;padding:16px}.pb-methodology-grid strong{color:#fff}.pb-methodology-grid p{font-size:12px;line-height:1.55}.pb-methodology a{color:#ffd3d3;text-decoration:underline}
.pb-compose[hidden]{display:none!important}.pb-compose{position:fixed;inset:0;background:rgba(5,15,27,.78);z-index:999999;padding:20px;display:flex;align-items:center;justify-content:center}.pb-compose-panel{background:#fff;max-width:700px;width:100%;max-height:92vh;overflow:auto;border-top:5px solid #C62828;border-radius:12px;padding:22px;box-shadow:0 20px 70px #0007;color:#0B1F3A}.pb-compose-head{display:flex;align-items:center;justify-content:space-between}.pb-compose-head h3{margin:3px 0 14px;font-size:22px}.pb-compose-head small{color:#C62828}.pb-compose-panel label{display:block;font-size:12px;font-weight:700;margin-top:10px}.pb-compose-panel input,.pb-compose-panel textarea{display:block;width:100%;margin:4px 0 10px;padding:10px;color:#142740;background:#f7f8fa;border:1px solid #bac4d2;border-radius:6px;font-size:14px}.pb-compose-actions{display:flex;flex-wrap:wrap;gap:6px}.pb-compose-actions button{background:#0B1F3A;color:#fff;border:0;border-radius:6px;padding:9px 12px;cursor:pointer}.pb-compose-actions button:hover{background:#C62828}.pb-compose-head button{font-size:25px;border:0;background:#f0f1f4;cursor:pointer;color:#1c2940}.pb-compose-foot{font-size:11px;color:#637186}.pb-modal-open{overflow:hidden}
@media(max-width:840px){.pb-methodology-grid{grid-template-columns:1fr}}
@media(max-width:600px){.pb-rdsp-page{padding:10px 8px}.pbd-hero{padding:26px 17px!important}.pb-share-section{padding:15px}.pb-share-actions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));width:100%}.pb-share-btn{min-width:0}.pb-methodology{padding:24px 15px}.pb-compose{padding:8px}.pb-compose-panel{padding:16px}}

/* Locked PB primary header / nav colors */
.pb-tfsa-app .pb-topbar{background:#0B1F3A!important}
.pb-tfsa-app .pb-site-nav{background:#C62828!important}
.pb-tfsa-app .pb-site-footer{background:#0B1F3A!important;border-top-color:#C62828!important}
.pb-tfsa-app .pb-site-header, .pb-tfsa-app .pb-site-footer{width:100%;max-width:100%}
@media(max-width:470px){.pb-tfsa-app .pb-site-header .pb-topbar-inner{gap:7px}}