/* All styles are scoped to protect the existing PankajBhatia.ca theme. */
    .pb-rdsp-page {
      --pbd-red:#cf202f; --pbd-red-dark:#a81724; --pbd-charcoal:#24272c;
      --pbd-text:#34383f; --pbd-muted:#68707b; --pbd-border:#dfe3e8;
      --pbd-surface:#fff; --pbd-soft:#f5f6f8; --pbd-success:#16794d;
      --pbd-success-soft:#eaf7f0; --pbd-warning:#9a6700; --pbd-warning-soft:#fff7db;
      --pbd-danger:#b4232e; --pbd-danger-soft:#fff0f1; --pbd-blue:#245a9a;
      --pbd-blue-soft:#edf5ff; --pbd-radius:14px; --pbd-shadow:0 12px 35px rgba(31,37,45,.10);
      width:100%; max-width:1180px; margin:24px auto; padding:0 14px;
      box-sizing:border-box; color:var(--pbd-text); font-family:Lato,Arial,Helvetica,sans-serif;
      font-size:12px; line-height:1.55;
    }
    .pb-rdsp-page *, .pb-rdsp-page *::before, .pb-rdsp-page *::after { box-sizing:border-box; }
    .pb-rdsp-page button, .pb-rdsp-page input, .pb-rdsp-page select { font:inherit; }
    .pb-rdsp-page a { color:var(--pbd-red-dark); }
    .pbd-shell { overflow:hidden; border:1px solid var(--pbd-border); border-radius:18px; background:#fff; box-shadow:var(--pbd-shadow); }
    .pbd-hero { position:relative; padding:30px 30px 26px; color:#fff; background:radial-gradient(circle at 100% 0,rgba(255,255,255,.16),transparent 34%),linear-gradient(135deg,var(--pbd-charcoal),#393d44); }
    .pbd-eyebrow { display:inline-flex; align-items:center; gap:7px; margin-bottom:8px; color:#ffd7db; font-size:11px; font-weight:900; letter-spacing:.08em; text-transform:uppercase; }
    .pbd-eyebrow::before { content:""; width:22px; height:3px; border-radius:99px; background:var(--pbd-red); }
    .pbd-hero h1 { max-width:850px; margin:0; color:#fff; font-size:clamp(27px,4vw,43px); line-height:1.08; letter-spacing:-.025em; }
    .pbd-hero p { max-width:840px; margin:13px 0 0; color:rgba(255,255,255,.84); font-size:14px; }
    .pbd-trust-row { display:flex; flex-wrap:wrap; gap:8px; margin-top:18px; }
    .pbd-pill { display:inline-flex; align-items:center; min-height:30px; padding:6px 10px; border:1px solid rgba(255,255,255,.18); border-radius:999px; background:rgba(255,255,255,.08); color:#fff; font-weight:800; }
    .pbd-hero-actions { display:flex; flex-wrap:wrap; gap:10px; margin-top:19px; }
    .pbd-button { display:inline-flex; align-items:center; justify-content:center; min-height:42px; padding:10px 16px; border:0; border-radius:9px; text-decoration:none; font-weight:900; cursor:pointer; transition:.18s ease; }
    .pbd-button.primary { background:var(--pbd-red); color:#fff; }
    .pbd-button.secondary { border:1px solid rgba(255,255,255,.35); background:transparent; color:#fff; }
    .pbd-button:hover { transform:translateY(-1px); }
    .pbd-calculator-grid { display:grid; grid-template-columns:minmax(320px,.94fr) minmax(480px,1.36fr); align-items:stretch; }
    .pbd-input-panel { min-width:0; padding:26px; border-right:1px solid var(--pbd-border); background:#fff; }
    .pbd-results-panel { min-width:0; padding:26px; background:var(--pbd-soft); }
    .pbd-section-title { display:flex; align-items:center; justify-content:space-between; gap:12px; margin:0 0 18px; color:var(--pbd-charcoal); font-size:18px; line-height:1.2; }
    .pbd-subsection { margin:0 0 21px; padding-bottom:20px; border-bottom:1px solid var(--pbd-border); }
    .pbd-subsection:last-of-type { border-bottom:0; }
    .pbd-subheading { display:flex; align-items:center; gap:8px; margin:0 0 13px; color:var(--pbd-charcoal); font-size:13px; font-weight:900; }
    .pbd-info { display:inline-grid; place-items:center; flex:0 0 auto; width:22px; height:22px; padding:0; border:1px solid var(--pbd-border); border-radius:50%; background:#fff; color:var(--pbd-red); font-size:12px; font-weight:900; cursor:pointer; }
    .pbd-fields-2 { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:13px; }
    .pbd-field { min-width:0; margin-bottom:15px; }
    .pbd-fields-2 .pbd-field { margin-bottom:0; }
    .pbd-label-row { display:flex; align-items:center; justify-content:space-between; gap:8px; margin-bottom:7px; }
    .pbd-label { color:var(--pbd-charcoal); font-weight:800; }
    .pbd-help { color:var(--pbd-muted); font-size:10px; }
    .pbd-control { position:relative; min-width:0; }
    .pbd-prefix,.pbd-suffix { position:absolute; top:50%; z-index:1; transform:translateY(-50%); color:var(--pbd-muted); font-weight:800; pointer-events:none; }
    .pbd-prefix { left:12px; } .pbd-suffix { right:12px; }
    .pbd-input,.pbd-select { width:100%; min-width:0; height:42px; padding:9px 11px; border:1px solid #cfd5dc; border-radius:8px; background:#fff; color:var(--pbd-charcoal); outline:none; }
    .pbd-input.money { padding-left:28px; } .pbd-input.percent { padding-right:28px; }
    .pbd-input:focus,.pbd-select:focus { border-color:var(--pbd-red); box-shadow:0 0 0 3px rgba(207,32,47,.10); }
    .pbd-range { width:100%; accent-color:var(--pbd-red); }
    .pbd-check { display:flex; gap:9px; align-items:flex-start; padding:11px 12px; border:1px solid var(--pbd-border); border-radius:9px; background:var(--pbd-soft); cursor:pointer; }
    .pbd-check input { margin-top:2px; accent-color:var(--pbd-red); }
    .pbd-check strong { display:block; color:var(--pbd-charcoal); }
    .pbd-check span { display:block; color:var(--pbd-muted); font-size:10.5px; }
    .pbd-inline-note { margin-top:8px; padding:9px 11px; border-left:3px solid var(--pbd-blue); border-radius:5px; background:var(--pbd-blue-soft); color:#294f7a; font-size:10.5px; }
    .pbd-hidden { display:none !important; }
    .pbd-calc-actions { display:flex; gap:9px; }
    .pbd-calc-actions .pbd-button { flex:1; }
    .pbd-calc-actions .primary { background:var(--pbd-red); color:#fff; }
    .pbd-calc-actions .reset { border:1px solid var(--pbd-border); background:#fff; color:var(--pbd-charcoal); }
    .pbd-validation { display:none; margin:0 0 14px; padding:10px 12px; border:1px solid #f2b8bd; border-radius:9px; background:var(--pbd-danger-soft); color:var(--pbd-danger); font-weight:800; }
    .pbd-validation.show { display:block; }
    .pbd-main-result { padding:20px; border-radius:14px; color:#fff; background:linear-gradient(135deg,var(--pbd-charcoal),#3b3f46); }
    .pbd-main-result-label { color:rgba(255,255,255,.72); font-size:11px; font-weight:800; text-transform:uppercase; letter-spacing:.05em; }
    .pbd-main-result-value { margin-top:3px; font-size:clamp(30px,5vw,44px); font-weight:900; line-height:1.08; }
    .pbd-main-result-note { margin-top:7px; color:rgba(255,255,255,.78); }
    .pbd-result-grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:10px; margin-top:11px; }
    .pbd-result-card { min-width:0; padding:13px; border:1px solid var(--pbd-border); border-radius:11px; background:#fff; }
    .pbd-result-card span { display:block; color:var(--pbd-muted); font-size:10.5px; }
    .pbd-result-card strong { display:block; overflow-wrap:anywhere; margin-top:3px; color:var(--pbd-charcoal); font-size:16px; line-height:1.2; }
    .pbd-result-card.highlight { border-color:#bcd9c9; background:var(--pbd-success-soft); }
    .pbd-result-card.highlight strong { color:var(--pbd-success); }
    .pbd-smart { margin-top:14px; border:1px solid var(--pbd-border); border-radius:12px; background:#fff; overflow:hidden; }
    .pbd-smart summary { display:flex; align-items:center; justify-content:space-between; gap:10px; padding:14px; cursor:pointer; list-style:none; }
    .pbd-smart summary::-webkit-details-marker { display:none; }
    .pbd-smart-title { color:var(--pbd-charcoal); font-size:13px; font-weight:900; }
    .pbd-smart-count { padding:4px 8px; border-radius:999px; background:var(--pbd-red); color:#fff; font-size:10px; font-weight:900; }
    .pbd-suggestions { display:grid; gap:8px; padding:0 14px 14px; }
    .pbd-suggestion { display:grid; grid-template-columns:28px 1fr; gap:9px; padding:10px; border-radius:9px; background:var(--pbd-blue-soft); }
    .pbd-suggestion.good { background:var(--pbd-success-soft); } .pbd-suggestion.warn { background:var(--pbd-warning-soft); } .pbd-suggestion.alert { background:var(--pbd-danger-soft); }
    .pbd-suggestion-icon { font-size:17px; } .pbd-suggestion strong { display:block; color:var(--pbd-charcoal); } .pbd-suggestion span { color:var(--pbd-muted); }
    .pbd-data-section { margin-top:14px; padding:16px; border:1px solid var(--pbd-border); border-radius:12px; background:#fff; }
    .pbd-data-title { margin:0 0 12px; color:var(--pbd-charcoal); font-size:13px; }
    .pbd-grant-grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:9px; }
    .pbd-grant-item { min-width:0; padding:10px; border-radius:8px; background:var(--pbd-soft); }
    .pbd-grant-item span { display:block; color:var(--pbd-muted); font-size:10px; } .pbd-grant-item strong { display:block; margin-top:2px; color:var(--pbd-charcoal); font-size:14px; overflow-wrap:anywhere; }
    .pbd-limit-row { margin-top:12px; }
    .pbd-limit-head { display:flex; justify-content:space-between; gap:8px; margin-bottom:5px; color:var(--pbd-muted); font-size:10px; }
    .pbd-limit-track { height:8px; overflow:hidden; border-radius:999px; background:#e7e9ed; }
    .pbd-limit-fill { height:100%; width:0; border-radius:inherit; background:linear-gradient(90deg,var(--pbd-red),#e65a66); transition:width .25s ease; }
    .pbd-chart-wrap { position:relative; width:100%; min-height:260px; }
    .pbd-chart { width:100%; height:260px; display:block; }
    .pbd-legend { display:flex; flex-wrap:wrap; gap:12px; margin-top:8px; color:var(--pbd-muted); font-size:10px; }
    .pbd-legend-item { display:flex; align-items:center; gap:5px; }
    .pbd-dot { width:9px; height:9px; border-radius:50%; background:var(--pbd-red); } .pbd-dot.contribution { background:var(--pbd-charcoal); } .pbd-dot.government { background:var(--pbd-success); }
    .pbd-table-wrap { width:100%; overflow-x:auto; -webkit-overflow-scrolling:touch; }
    .pbd-table { width:100%; min-width:650px; border-collapse:collapse; font-size:10.5px; }
    .pbd-table th,.pbd-table td { padding:8px 7px; border-bottom:1px solid var(--pbd-border); text-align:right; white-space:nowrap; }
    .pbd-table th:first-child,.pbd-table td:first-child { text-align:left; } .pbd-table th { color:var(--pbd-muted); font-size:9.5px; text-transform:uppercase; letter-spacing:.03em; }
    .pbd-rules { margin-top:14px; border:1px solid var(--pbd-border); border-radius:12px; background:#fff; overflow:hidden; }
    .pbd-rules summary { padding:13px 15px; color:var(--pbd-charcoal); font-weight:900; cursor:pointer; }
    .pbd-rule-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:9px; padding:0 15px 15px; }
    .pbd-rule { padding:10px; border-radius:8px; background:var(--pbd-soft); }
    .pbd-rule strong,.pbd-rule span { display:block; } .pbd-rule strong { color:var(--pbd-charcoal); } .pbd-rule span { color:var(--pbd-muted); font-size:10.5px; }
    .pbd-disclaimer { margin:14px 0 0; color:var(--pbd-muted); font-size:9.5px; }
    .pbd-content { padding:34px 30px; border-top:1px solid var(--pbd-border); background:#fff; }
    .pbd-content h2 { margin:0 0 12px; color:var(--pbd-charcoal); font-size:clamp(22px,3vw,31px); line-height:1.2; }
    .pbd-content h3 { color:var(--pbd-charcoal); font-size:16px; }
    .pbd-content p { margin:0 0 14px; font-size:13px; }
    .pbd-section-copy { max-width:900px; color:var(--pbd-muted); }
    .pbd-content-section { padding:30px 0; border-bottom:1px solid var(--pbd-border); }
    .pbd-content-section:first-child { padding-top:0; }
    .pbd-content-section:last-child { border-bottom:0; }
    .pbd-feature-grid { display:grid; grid-template-columns:repeat(3,minmax(0,1fr)); gap:13px; margin-top:18px; }
    .pbd-feature { padding:17px; border:1px solid var(--pbd-border); border-radius:12px; background:var(--pbd-soft); }
    .pbd-feature .icon { font-size:22px; } .pbd-feature h3 { margin:8px 0 5px; } .pbd-feature p { margin:0; color:var(--pbd-muted); font-size:11.5px; }
    .pbd-seo-table-wrap { overflow-x:auto; margin-top:16px; }
    .pbd-seo-table { width:100%; min-width:700px; border-collapse:collapse; border:1px solid var(--pbd-border); }
    .pbd-seo-table th,.pbd-seo-table td { padding:12px; border:1px solid var(--pbd-border); text-align:left; vertical-align:top; }
    .pbd-seo-table th { background:var(--pbd-charcoal); color:#fff; } .pbd-seo-table tr:nth-child(even) td { background:var(--pbd-soft); }
    .pbd-steps { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:12px; counter-reset:steps; margin-top:17px; }
    .pbd-step { position:relative; padding:43px 15px 15px; border:1px solid var(--pbd-border); border-radius:11px; }
    .pbd-step::before { counter-increment:steps; content:counter(steps); position:absolute; top:12px; left:14px; display:grid; place-items:center; width:24px; height:24px; border-radius:50%; background:var(--pbd-red); color:#fff; font-weight:900; }
    .pbd-step strong { display:block; color:var(--pbd-charcoal); } .pbd-step span { color:var(--pbd-muted); font-size:11px; }
    .pbd-advisor { display:grid; grid-template-columns:1fr auto; gap:20px; align-items:center; padding:24px; border-radius:14px; background:linear-gradient(135deg,var(--pbd-charcoal),#393d44); color:#fff; }
    .pbd-advisor h2 { color:#fff; } .pbd-advisor p { margin:0; color:rgba(255,255,255,.78); }
    .pbd-advisor-actions { display:flex; flex-direction:column; gap:8px; min-width:185px; }
    .pbd-advisor-actions a { color:#fff; }
    .pbd-faq-list { display:grid; gap:11px; margin-top:17px; }
    .pbd-faq { padding:17px; border:1px solid var(--pbd-border); border-radius:11px; background:#fff; }
    .pbd-faq h3 { margin:0 0 7px; font-size:14px; } .pbd-faq p { margin:0; color:var(--pbd-muted); font-size:12px; }
    .pbd-source-list { margin:12px 0 0; padding-left:19px; } .pbd-source-list li { margin:6px 0; }
    .pbd-modal { position:fixed; inset:0; z-index:99999; display:grid; place-items:center; padding:18px; background:rgba(15,18,22,.64); }
    .pbd-modal[hidden] { display:none; }
    .pbd-modal-card { width:min(520px,100%); max-height:85vh; overflow:auto; border-radius:14px; background:#fff; box-shadow:0 20px 70px rgba(0,0,0,.3); }
    .pbd-modal-head { display:flex; align-items:center; justify-content:space-between; gap:12px; padding:16px 18px; border-bottom:1px solid var(--pbd-border); }
    .pbd-modal-title { margin:0; color:var(--pbd-charcoal); font-size:17px; } .pbd-modal-close { width:32px; height:32px; border:0; border-radius:50%; background:var(--pbd-soft); color:var(--pbd-charcoal); font-size:20px; cursor:pointer; }
    .pbd-modal-copy { padding:18px; margin:0; color:var(--pbd-muted); font-size:12px; }
    @media (max-width:900px) {
      .pbd-calculator-grid { grid-template-columns:1fr; }
      .pbd-input-panel { border-right:0; border-bottom:1px solid var(--pbd-border); }
      .pbd-result-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }
      .pbd-feature-grid,.pbd-steps { grid-template-columns:repeat(2,minmax(0,1fr)); }
      .pbd-advisor { grid-template-columns:1fr; }
      .pbd-advisor-actions { flex-direction:row; min-width:0; }
    }
    @media (max-width:600px) {
      .pb-rdsp-page { margin:0 auto; padding:0; font-size:12px; }
      .pbd-shell { border-radius:0; border-left:0; border-right:0; }
      .pbd-hero,.pbd-input-panel,.pbd-results-panel,.pbd-content { padding:22px 15px; }
      .pbd-hero h1 { font-size:29px; }
      .pbd-fields-2,.pbd-result-grid,.pbd-grant-grid,.pbd-rule-grid,.pbd-feature-grid,.pbd-steps { grid-template-columns:1fr; }
      .pbd-fields-2 { gap:15px; }
      .pbd-fields-2 .pbd-field { margin-bottom:0; }
      .pbd-result-card strong { font-size:17px; }
      .pbd-main-result-value { font-size:34px; }
      .pbd-chart-wrap,.pbd-chart { min-height:220px; height:220px; }
      .pbd-advisor-actions { flex-direction:column; }
      .pbd-button { width:100%; }
      .pbd-calc-actions { flex-direction:column; }
    }