:root{--navy:#123b67;--blue:#1b5f9e;--sky:#edf5fb;--ink:#17324d;--muted:#637589;--line:#d8e3ee;--white:#fff;--soft:#f7f9fc;--gold:#d7a72d;--danger:#a83b3b;--ok:#176a4b;--shadow:0 10px 28px rgba(20,53,85,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Lato,Arial,sans-serif;color:var(--ink);background:#f4f7fa;font-size:12px;line-height:1.45;padding-bottom:78px}.wrap{width:min(1180px,calc(100% - 24px));margin:auto}.top{background:linear-gradient(135deg,#0f3459,#1b5f9e);color:#fff;padding:16px 0 20px}.brand{display:flex;align-items:center;gap:10px}.logo{width:44px;height:44px;border:2px solid rgba(255,255,255,.8);border-radius:12px;display:grid;place-items:center;font-weight:900;font-size:17px}.brand h1{font-size:16px;margin:0;font-weight:900}.brand p{margin:2px 0 0;color:#dbe9f6;font-size:11px}.hero{margin-top:18px;display:grid;gap:10px}.hero h2{font-size:24px;line-height:1.08;margin:0;max-width:900px}.hero p{margin:0;color:#e6f0f8;max-width:900px}.rule{display:inline-flex;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);padding:7px 9px;border-radius:999px;width:max-content;max-width:100%}
main{padding:14px 0 28px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:13px;margin-bottom:12px}.card h3{font-size:14px;margin:0 0 9px}.sub{color:var(--muted);font-size:11px;margin:-4px 0 10px}.sectionTitle{display:flex;justify-content:space-between;align-items:center;gap:10px}.pill{background:#eaf2f9;color:var(--navy);padding:5px 8px;border-radius:999px;font-weight:700;font-size:10px}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.field label{display:flex;align-items:center;gap:5px;font-weight:700;margin-bottom:4px}.info{width:16px;height:16px;border-radius:50%;background:var(--sky);color:var(--blue);display:inline-grid;place-items:center;font-size:10px;font-weight:900;cursor:help;position:relative}.info:hover:after,.info:focus:after{content:attr(data-tip);position:absolute;z-index:40;left:0;top:20px;width:240px;background:#102b45;color:#fff;padding:8px;border-radius:8px;font-weight:400;line-height:1.35;box-shadow:var(--shadow)}input,select,textarea{width:100%;border:1px solid #cbd8e5;border-radius:9px;padding:0 10px;font:inherit;color:var(--ink);background:#fff;outline:none}input,select{height:38px}textarea{padding:10px;min-height:330px;resize:vertical;line-height:1.5}input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,95,158,.11)}.money{position:relative}.money:before{content:'$';position:absolute;left:10px;top:28px;color:var(--muted);font-weight:700}.money input{padding-left:22px}.pct{position:relative}.pct:after{content:'%';position:absolute;right:11px;top:28px;color:var(--muted);font-weight:700}.pct input{padding-right:24px}.switchline{display:flex;align-items:center;justify-content:space-between;border:1px solid var(--line);background:var(--soft);padding:9px 10px;border-radius:9px;gap:8px}.switchline input{width:18px;height:18px}.btnrow{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{border:0;border-radius:9px;padding:9px 11px;font-weight:900;font-size:11px;cursor:pointer;background:var(--navy);color:#fff}.btn.alt{background:#eaf2f9;color:var(--navy);border:1px solid #cbdcea}.btn.gold{background:var(--gold);color:#15283c}.btn:active{transform:translateY(1px)}
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;align-items:stretch}.flowbox{border:1px solid var(--line);border-radius:12px;padding:10px;background:var(--soft);text-align:center;position:relative}.flowbox:not(:last-child):after{content:'→';position:absolute;right:-13px;top:39%;z-index:3;font-size:20px;color:var(--blue);font-weight:900}.flowbox b{display:block;font-size:15px;color:var(--navy);margin:4px 0}.flowbox small{color:var(--muted)}
.results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.strategy{border:1px solid var(--line);border-radius:13px;padding:11px;background:#fff;position:relative;overflow:hidden}.strategy:before{content:'';position:absolute;left:0;right:0;top:0;height:4px;background:var(--blue)}.strategy.featured:before{background:var(--gold)}.strategy h4{font-size:14px;margin:4px 0 2px}.strategy .desc{font-size:10px;color:var(--muted);min-height:42px}.big{font-size:22px;font-weight:900;color:var(--navy);margin:7px 0 0}.caption{font-size:10px;color:var(--muted)}.rows{margin-top:9px;border-top:1px solid var(--line)}.r{display:flex;justify-content:space-between;gap:8px;padding:7px 0;border-bottom:1px solid #edf1f5}.r span:first-child{color:#56697d}.r b{text-align:right}.positive{color:var(--ok)!important}.negative{color:var(--danger)!important}.note{background:#f1f6fb;border-left:4px solid var(--blue);padding:10px;border-radius:8px;color:#445b70}.warn{background:#fff6f1;border-left-color:#cc7040}.good{background:#f1f8f4;border-left-color:var(--ok)}
.heroResult{display:grid;grid-template-columns:1fr 1fr;gap:10px}.edu{background:linear-gradient(135deg,#123b67,#245f97);color:#fff;border-radius:13px;padding:13px}.edu small{color:#dbe8f3}.edu .big{color:#fff}.meter{height:10px;background:#dfe8f0;border-radius:999px;overflow:hidden;margin:8px 0 4px}.meter i{display:block;height:100%;background:var(--gold);width:0}.recommend{border:1px solid #ead9a2;background:#fff9e9;border-radius:13px;padding:12px}.recommend .big{color:#6d5210}.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:11px}table{width:100%;border-collapse:collapse;min-width:760px;background:#fff}th,td{padding:8px 9px;border-bottom:1px solid #edf1f5;text-align:right;white-space:nowrap}th:first-child,td:first-child{text-align:left}th{background:#f2f6fa;color:#3b536a;font-size:10px;position:sticky;top:0}tbody tr:last-child td{border-bottom:0}.emailbox{background:#f9fbfd;border:1px solid var(--line);border-radius:11px;padding:10px}.emailActions{display:flex;gap:8px;flex-wrap:wrap;margin-top:8px}.footer{font-size:10px;color:#6d7c8b;padding:5px 0 18px}.sticky{position:fixed;z-index:50;bottom:0;left:0;right:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-top:1px solid #d4dee8;padding:8px max(10px,env(safe-area-inset-left)) calc(8px + env(safe-area-inset-bottom));display:grid;grid-template-columns:repeat(5,1fr);gap:6px}.sticky a,.sticky button{height:42px;border:0;border-radius:9px;display:flex;align-items:center;justify-content:center;text-decoration:none;font:700 10px Lato;color:#fff;background:var(--navy);cursor:pointer}.sticky .light{background:#eaf2f9;color:var(--navy)}
@media(max-width:820px){.results{grid-template-columns:1fr}.heroResult{grid-template-columns:1fr}.g3{grid-template-columns:1fr 1fr}.flow{grid-template-columns:1fr 1fr}.flowbox:nth-child(2):after{display:none}.flowbox:not(:last-child):after{content:'↓';right:8px;top:auto;bottom:-17px}.hero h2{font-size:22px}}
@media(max-width:540px){body{font-size:12px}.wrap{width:min(100% - 16px,1180px)}.top{padding-top:11px}.brand h1{font-size:14px}.hero h2{font-size:20px}.grid,.g3,.flow{grid-template-columns:1fr}.card{padding:11px;border-radius:12px}.flowbox:not(:last-child):after{content:'↓';right:50%;top:auto;bottom:-18px}.strategy{padding:10px}.sticky{grid-template-columns:repeat(5,1fr)}.sticky a,.sticky button{font-size:9px;padding:0 2px}.big{font-size:20px}textarea{min-height:400px}}
@media print{.sticky,.btnrow,.emailActions,.noPrint{display:none!important}body{padding:0;background:#fff}.top{-webkit-print-color-adjust:exact;print-color-adjust:exact}.card,.strategy{box-shadow:none;break-inside:avoid}.tablewrap{overflow:visible}table{min-width:0;font-size:9px}.emailCard{display:none}}
.retVisWrap{border:1px solid var(--line);border-radius:11px;background:var(--soft);padding:10px 8px 28px;position:relative}
.retVis{position:relative;height:110px}
.retVis .zero{position:absolute;left:0;right:0;top:50%;border-top:1px dashed #aebdcc}
.retVis .rbar{position:absolute;top:0;bottom:0}
.retVis .rbar .fill{position:absolute;left:3px;right:3px;border-radius:3px 3px 0 0}
.retVis .rbar .fill.neg{border-radius:0 0 3px 3px}
.retVis .rbar .fill.pos{background:var(--ok)}
.retVis .rbar .fill.neg{background:var(--danger)}
.retVis .rbar .lbl{position:absolute;bottom:-20px;left:0;right:0;text-align:center;font-size:8px;color:var(--muted);white-space:nowrap}
#returnRows input.yearReturn{width:64px;height:30px;padding:0 6px;text-align:right;display:inline-block}
#varReturnsBlock table td:nth-child(3){white-space:nowrap}

/* ===== PankajBhatia.ca calculator theme override ===== */
:root{
  --brand:#c91f38;
  --brand-dark:#a7182d;
  --charcoal:#20242a;
  --charcoal-2:#30363d;
  --navy:#263746;
  --blue:#177da3;
  --sky:#eef7fa;
  --ink:#25313c;
  --muted:#6d7782;
  --line:#e1e5e9;
  --white:#fff;
  --soft:#f7f8fa;
  --gold:#c91f38;
  --danger:#c91f38;
  --ok:#177da3;
  --shadow:0 6px 20px rgba(32,36,42,.07)
}
body{background:#f6f6f7;color:var(--ink)}
.wrap{width:min(1160px,calc(100% - 24px))}
.top{background:var(--charcoal);color:#fff;padding:0;border-top:4px solid var(--brand);box-shadow:0 3px 16px rgba(0,0,0,.16)}
.top .wrap{padding-top:13px;padding-bottom:18px}
.brand{gap:14px;min-height:54px}
.logo{width:auto;height:auto;border:0;border-radius:0;display:block;font-size:0;overflow:visible}
.logo img{display:block;width:min(255px,66vw);height:auto;max-height:44px;object-fit:contain;object-position:left center}
.brand h1{font-size:13px;letter-spacing:.01em}.brand p{color:#d2d6da;font-size:10px}
.hero{margin-top:12px;padding-top:13px;border-top:1px solid rgba(255,255,255,.11)}
.hero h2{font-size:23px;max-width:880px}.hero p{color:#d9dde1;max-width:940px}
.rule{background:rgba(201,31,56,.13);border:1px solid rgba(201,31,56,.55);color:#fff;border-radius:7px;padding:6px 9px}
main{padding-top:16px}
.card{border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:14px}
.card h3{color:var(--charcoal);font-size:14px}
.sectionTitle{padding-bottom:2px}
.pill{background:#fbecef;color:var(--brand-dark);border:1px solid #f1c8d0;border-radius:6px}
input,select,textarea{border-color:#d6dbe0;border-radius:7px}
input:focus,select:focus,textarea:focus{border-color:var(--brand);box-shadow:0 0 0 3px rgba(201,31,56,.10)}
.info{background:#fbecef;color:var(--brand)}
.info:hover:after,.info:focus:after{background:var(--charcoal)}
.switchline{border-radius:8px;background:#fafafa}
.btn{background:var(--brand);border-radius:7px}
.btn:hover{background:var(--brand-dark)}
.btn.alt{background:#fff;color:var(--charcoal);border:1px solid #cfd5da}
.btn.alt:hover{background:#f4f5f6}
.btn.gold{background:var(--brand);color:#fff}
.flowbox{border-radius:9px;background:#fbfbfc;border-top:3px solid var(--brand)}
.flowbox:not(:last-child):after{color:var(--brand)}
.flowbox b{color:var(--charcoal)}
.strategy{border-radius:10px;box-shadow:0 3px 14px rgba(32,36,42,.05)}
.strategy:before{background:var(--charcoal-2)}
.strategy.featured{border-color:#e7b4be;background:#fffafb}
.strategy.featured:before{background:var(--brand)}
.strategy h4{color:var(--charcoal)}
.big{color:var(--charcoal)}
.positive{color:var(--blue)!important}.negative{color:var(--brand)!important}
.note{background:#f2f7f9;border-left-color:var(--blue)}
.note.warn{background:#fff3f5;border-left-color:var(--brand)}
.note.good{background:#f2f7f9;border-left-color:var(--blue)}
.edu{background:var(--charcoal);border-radius:10px;border-top:4px solid var(--brand)}
.edu small{color:#d6dadd}.edu .big{color:#fff}.meter{background:#4a5056}.meter i{background:var(--brand)}
.recommend{border-color:#e6d9dc;background:#fffafb;border-radius:10px}.recommend .big{color:var(--brand-dark)}
.tablewrap{border-radius:8px}th{background:#f2f3f5;color:#48525c}tbody tr:nth-child(even){background:#fbfbfc}
.emailbox{background:#fafafa;border-radius:8px}
.retVisWrap{border-radius:8px;background:#fafafa}.retVis .rbar .fill.pos{background:var(--blue)}.retVis .rbar .fill.neg{background:var(--brand)}
.sticky{background:rgba(255,255,255,.97);border-top:2px solid var(--brand);box-shadow:0 -4px 16px rgba(0,0,0,.08)}
.sticky a,.sticky button{background:var(--charcoal);border-radius:7px}
.sticky a:first-child{background:var(--brand)}
.sticky .light{background:#f1f2f3;color:var(--charcoal);border:1px solid #dfe2e5}
.footer{text-align:center}
@media(max-width:540px){
  .wrap{width:min(100% - 14px,1160px)}
  .top .wrap{padding-top:10px;padding-bottom:14px}
  .logo img{width:min(225px,72vw);max-height:39px}
  .brand h1,.brand p{display:none}
  .hero{margin-top:9px;padding-top:10px}
  .hero h2{font-size:19px;line-height:1.14}
  .card{padding:11px;border-radius:9px}
  .strategy,.edu,.recommend{border-radius:9px}
  .sticky{gap:5px;padding-left:7px;padding-right:7px}
  .sticky a,.sticky button{height:44px;font-size:9px}
}
@media print{
  .top{background:var(--charcoal)!important;border-top-color:var(--brand)!important}
  .strategy.featured{border-color:#d7d7d7;background:#fff}
}


.lockedHeader{background:#1f2328!important;border-top:4px solid #c9252d;padding:0 0 18px!important;color:#fff}
.lockedHeaderInner{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(240px,.85fr) minmax(180px,.65fr);align-items:center;gap:28px;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.10)}
.lockedBrand{display:flex;align-items:center;gap:14px;min-width:0}
.lockedLogoMark{font-family:Georgia,serif;font-size:38px;line-height:1;color:#c9252d;font-weight:700;letter-spacing:-3px;min-width:50px}
.lockedWordmark{min-width:0}
.lockedName{font-family:Georgia,serif;color:#c9252d;font-size:24px;line-height:1.05;font-weight:700;letter-spacing:.5px;white-space:nowrap}
.lockedCred{font-family:Georgia,serif;color:#fff;font-size:13px;font-weight:700;margin-top:3px}
.lockedPhones{border-left:1px solid rgba(255,255,255,.28);padding-left:28px;display:flex;flex-direction:column;gap:10px}
.lockedPhones a{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:900;font-size:18px;line-height:1}
.phoneIcon{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:#c9252d;color:#fff;font-size:16px;box-shadow:inset 0 0 0 2px rgba(255,255,255,.08)}
.lockedRole{border-left:1px solid rgba(255,255,255,.28);padding-left:28px;color:#fff;font-size:13px;line-height:1.45}
.lockedHeader .hero{margin-top:16px}
.lockedHeader .hero h2{color:#fff}
.lockedHeader .hero p{color:#e6e8eb}
.lockedHeader .rule{background:rgba(201,37,45,.12);border:1px solid rgba(201,37,45,.35);color:#fff}
@media(max-width:820px){
  .lockedHeaderInner{grid-template-columns:1fr 1fr;gap:16px}
  .lockedRole{grid-column:1/-1;border-left:0;border-top:1px solid rgba(255,255,255,.12);padding:10px 0 0}
}
@media(max-width:540px){
  .lockedHeaderInner{grid-template-columns:1fr;gap:12px;padding:14px 0}
  .lockedPhones,.lockedRole{border-left:0;padding-left:0}
  .lockedPhones{border-top:1px solid rgba(255,255,255,.12);padding-top:10px}
  .lockedPhones a{font-size:16px}
  .lockedName{font-size:20px;white-space:normal}
  .lockedLogoMark{font-size:34px}
  .lockedRole{font-size:12px}
}


.lockedFooter{
  position:fixed;z-index:60;left:50%;transform:translateX(-50%);
  bottom:10px;width:min(980px,calc(100% - 18px));padding:0;
  display:grid;grid-template-columns:repeat(5,1fr);gap:0;
  background:linear-gradient(180deg,#171a1e,#111418);
  border:1px solid #2d3238;border-radius:12px;
  box-shadow:0 10px 26px rgba(0,0,0,.25);
  overflow:hidden;backdrop-filter:none
}
.lockedFooter .footerAction{
  min-width:0;height:62px;border:0;border-radius:0!important;
  background:transparent!important;color:#fff!important;text-decoration:none;
  display:flex;align-items:center;justify-content:flex-start;gap:9px;
  padding:8px 12px;cursor:pointer;font-family:Lato,Arial,sans-serif;
  border-right:1px solid rgba(255,255,255,.12)!important
}
.lockedFooter .footerAction:last-child{border-right:0!important}
.lockedFooter .footerIcon{
  width:28px;min-width:28px;height:28px;display:grid;place-items:center;
  font-size:22px;font-weight:900;line-height:1
}
.lockedFooter .footerIcon.red{color:#d52a31}
.lockedFooter .footerIcon.white{color:#f5f5f5}
.lockedFooter .footerIcon.whatsapp{
  color:#fff;background:#27b44a;border:2px solid #e9f8ed;border-radius:50%;
  font-size:0;position:relative
}
.lockedFooter .footerIcon.whatsapp:after{
  content:'☎';font-size:15px;transform:rotate(-18deg);color:#fff
}
.lockedFooter .pdfIcon{
  border:2px solid #d52a31;border-radius:3px;font-size:9px;
  height:30px;width:24px;min-width:24px
}
.lockedFooter .footerText{display:flex;flex-direction:column;min-width:0;text-align:left;line-height:1.05}
.lockedFooter .footerText b{
  font-size:10px;letter-spacing:.1px;white-space:nowrap;color:#fff
}
.lockedFooter .footerText small{
  font-size:8px;color:#bfc4ca;margin-top:4px;white-space:nowrap
}
@media(max-width:720px){
  body{padding-bottom:74px}
  .lockedFooter{bottom:7px;width:calc(100% - 12px);border-radius:10px}
  .lockedFooter .footerAction{
    height:58px;justify-content:center;gap:4px;padding:6px 3px;flex-direction:column
  }
  .lockedFooter .footerIcon{width:23px;min-width:23px;height:23px;font-size:19px}
  .lockedFooter .footerIcon.whatsapp:after{font-size:13px}
  .lockedFooter .pdfIcon{height:24px;width:20px;min-width:20px;font-size:7px}
  .lockedFooter .footerText{text-align:center;align-items:center}
  .lockedFooter .footerText b{font-size:7.5px}
  .lockedFooter .footerText small{font-size:6.5px;margin-top:2px}
}
@media(max-width:430px){
  .lockedFooter .footerAction{height:55px}
  .lockedFooter .footerText b{font-size:6.8px}
  .lockedFooter .footerText small{font-size:5.9px}
}
@media print{.lockedFooter{display:none!important}}


/* Locked footer icon system: inline SVGs so browser/device emoji rendering cannot change them */
.lockedFooter .footerSvg{
  width:29px;min-width:29px;height:29px;
  display:grid;place-items:center;flex:0 0 auto
}
.lockedFooter .footerSvg svg{width:100%;height:100%;display:block}
.lockedFooter .redIcon svg{fill:#d9302f}
.lockedFooter .whatsappIcon svg circle{fill:#27b34b;stroke:#dff3e5;stroke-width:1.6}
.lockedFooter .whatsappIcon .waPhone{fill:#fff}
.lockedFooter .whatsappIcon .waTail{fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round}
.lockedFooter .copyIcon svg{fill:none;stroke:#f4f4f4;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .redStrokeIcon svg{fill:none;stroke:#cf2c2c;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .pdfSvg svg{fill:none;stroke:#d9302f;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .pdfSvg text{
  fill:#d9302f;stroke:none;font-family:Lato,Arial,sans-serif;font-size:7px;font-weight:900
}
@media(max-width:720px){
  .lockedFooter .footerSvg{width:24px;min-width:24px;height:24px}
}


/* APPROVED footer styling — matches reference image */
.lockedFooter{
  bottom:8px;
  width:min(1000px,calc(100% - 12px));
  min-height:62px;
  background:linear-gradient(180deg,#12161a 0%,#0c0f12 100%);
  border:1px solid #2a2e33;
  border-radius:10px;
  box-shadow:0 7px 20px rgba(0,0,0,.30);
}
.lockedFooter .footerAction{
  height:62px;
  gap:10px;
  padding:7px 14px;
  border-right:1px solid rgba(255,255,255,.11)!important;
}
.lockedFooter .footerText b{font-size:10px;font-weight:900;letter-spacing:.1px}
.lockedFooter .footerText small{font-size:7.5px;color:#bcc1c7;margin-top:3px}
.lockedFooter .footerSvg{width:29px;min-width:29px;height:29px}
.lockedFooter .phoneRef svg{fill:#d81920}
.lockedFooter .waRef svg circle{fill:#2bb84a;stroke:#f1fff4;stroke-width:1.7}
.lockedFooter .waRef .waHandset{fill:#fff}
.lockedFooter .waRef .waBubble{fill:none;stroke:#fff;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .copyRef svg{fill:none;stroke:#f6f6f6;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .mailRef svg{fill:#d51b21;stroke:#d51b21;stroke-width:1.3;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .mailRef svg path{fill:none;stroke:#090b0d;stroke-width:1.3}
.lockedFooter .pdfRef svg{fill:none;stroke:#e21d24;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.lockedFooter .pdfRef text{fill:#e21d24;stroke:none;font:900 7px Lato,Arial,sans-serif}
@media(max-width:720px){
  .lockedFooter{bottom:5px;width:calc(100% - 8px);border-radius:9px}
  .lockedFooter .footerAction{height:57px;gap:3px;padding:5px 2px;flex-direction:column}
  .lockedFooter .footerSvg{width:23px;min-width:23px;height:23px}
  .lockedFooter .footerText b{font-size:7px}
  .lockedFooter .footerText small{font-size:5.8px;margin-top:1px}
}

/* Better mobile header packing */
@media(max-width:540px){
  .lockedHeaderInner{gap:9px;padding:12px 0 10px}
  .lockedBrand{gap:9px}
  .lockedLogoMark{font-size:30px;min-width:42px}
  .lockedName{font-size:18px;line-height:1}
  .lockedCred{font-size:11px;margin-top:2px}
  .lockedPhones{
    display:grid;grid-template-columns:1fr 1fr;gap:6px;
    border-top:1px solid rgba(255,255,255,.11);padding-top:9px
  }
  .lockedPhones a{
    justify-content:center;gap:6px;font-size:13px;
    border:1px solid rgba(255,255,255,.09);
    background:rgba(255,255,255,.025);
    border-radius:8px;padding:7px 5px
  }
  .phoneIcon{width:23px;height:23px;font-size:12px}
  .lockedRole{display:flex;gap:6px;align-items:center;font-size:10.5px;padding-top:8px}
  .lockedRole div:last-child:before{content:'· ';color:#c9252d}
  .lockedHeader .hero{margin-top:11px}
  .lockedHeader .rule{font-size:9.5px;padding:6px 8px}
  .lockedHeader .hero h2{font-size:18px;line-height:1.15}
  .lockedHeader .hero p{font-size:10.5px;line-height:1.45}
}


/* v10 logo fix: use cropped approved PB logo image instead of plain text */
.lockedLogoMark{
  display:flex;
  align-items:center;
  justify-content:center;
  min-width:130px;
  width:130px;
  height:92px;
  font-size:0!important;
  line-height:0!important;
  letter-spacing:0!important;
}
.lockedLogoMark img{
  display:block;
  width:auto;
  height:92px;
  object-fit:contain;
}
@media(max-width:540px){
  .lockedLogoMark{
    min-width:78px;
    width:78px;
    height:58px;
  }
  .lockedLogoMark img{
    height:58px;
  }
}


/* v11 refined header: remove right-side designation block, push phones right, improve spacing */
.lockedHeader{
  background:#1a1e23!important;
  border-top:4px solid #cf1f25;
  padding:0 0 16px!important;
}
.lockedHeaderInner{
  display:grid!important;
  grid-template-columns:minmax(0,1.45fr) minmax(420px,.95fr)!important;
  align-items:center;
  gap:34px;
  padding:18px 0 14px;
  border-bottom:1px solid rgba(255,255,255,.10);
}
.lockedBrand{
  display:flex;
  align-items:center;
  gap:18px;
  min-width:0;
}
.lockedLogoMark{
  width:138px!important;
  min-width:138px!important;
  height:94px!important;
  position:relative;
}
.lockedLogoMark:after{
  content:'';
  position:absolute;
  right:-10px;
  top:8px;
  bottom:8px;
  width:1px;
  background:rgba(255,255,255,.28);
}
.lockedLogoMark img{
  height:94px!important;
  width:auto;
}
.lockedWordmark{
  min-width:0;
}
.lockedName{
  font-family:Georgia,serif!important;
  color:#cf1f25!important;
  font-size:32px!important;
  line-height:1!important;
  font-weight:700!important;
  letter-spacing:.4px!important;
  white-space:nowrap;
}
.lockedCred{
  font-family:Georgia,serif!important;
  color:#ffffff!important;
  font-size:16px!important;
  font-weight:700!important;
  margin-top:7px!important;
  line-height:1.1;
  white-space:nowrap;
}
.lockedPhones{
  display:flex!important;
  justify-content:flex-end;
  align-items:center;
  gap:24px;
  border-left:1px solid rgba(255,255,255,.28);
  padding-left:28px;
  min-width:0;
}
.lockedPhones a{
  display:flex!important;
  align-items:center;
  gap:12px;
  color:#fff;
  text-decoration:none;
  font-weight:900;
  font-size:18px;
  line-height:1;
  white-space:nowrap;
}
.phoneIcon{
  display:inline-grid;
  place-items:center;
  width:34px;
  height:34px;
  border-radius:50%;
  background:#cf1f25;
  color:#fff;
  font-size:17px;
  box-shadow:inset 0 0 0 2px rgba(255,255,255,.08);
}
.lockedHeader .hero{
  margin-top:14px!important;
}
.lockedHeader .rule{
  background:rgba(207,31,37,.10)!important;
  border:1px solid rgba(207,31,37,.34)!important;
  color:#fff!important;
}
.lockedHeader .hero h2{
  color:#fff!important;
  max-width:920px;
}
.lockedHeader .hero p{
  color:#e3e7eb!important;
  max-width:960px;
}

/* Tablet */
@media(max-width:980px){
  .lockedHeaderInner{
    grid-template-columns:1fr!important;
    gap:14px;
  }
  .lockedPhones{
    justify-content:flex-start;
    border-left:0;
    border-top:1px solid rgba(255,255,255,.12);
    padding-left:0;
    padding-top:12px;
    flex-wrap:wrap;
    gap:16px 20px;
  }
}

/* Mobile */
@media(max-width:540px){
  .lockedHeader{
    padding-bottom:12px!important;
  }
  .lockedHeaderInner{
    gap:10px;
    padding:12px 0 10px;
  }
  .lockedBrand{
    gap:10px;
    align-items:center;
  }
  .lockedLogoMark{
    width:88px!important;
    min-width:88px!important;
    height:60px!important;
  }
  .lockedLogoMark img{
    height:60px!important;
  }
  .lockedLogoMark:after{
    right:-6px;
    top:4px;
    bottom:4px;
  }
  .lockedName{
    font-size:20px!important;
    white-space:normal;
  }
  .lockedCred{
    font-size:12px!important;
    margin-top:4px!important;
    white-space:normal;
  }
  .lockedPhones{
    display:grid!important;
    grid-template-columns:1fr 1fr;
    gap:8px;
    padding-top:10px;
  }
  .lockedPhones a{
    justify-content:center;
    gap:7px;
    font-size:13px;
    border:1px solid rgba(255,255,255,.10);
    background:rgba(255,255,255,.025);
    border-radius:9px;
    padding:8px 6px;
  }
  .phoneIcon{
    width:24px;
    height:24px;
    font-size:12px;
  }
  .lockedHeader .rule{
    font-size:9.5px;
    padding:6px 8px;
  }
  .lockedHeader .hero{
    margin-top:10px!important;
  }
  .lockedHeader .hero h2{
    font-size:18px!important;
    line-height:1.15!important;
  }
  .lockedHeader .hero p{
    font-size:10.5px!important;
    line-height:1.45!important;
  }
}


/* ===== v12 final UX review refinements ===== */
body{padding-bottom:92px}
.compactNote{font-size:10px}
.calcDetails{padding:0;overflow:hidden}
.calcDetails>summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;cursor:pointer;padding:13px 14px;background:#fff;user-select:none}
.calcDetails>summary::-webkit-details-marker{display:none}
.calcDetails>summary:after{content:'+';width:24px;height:24px;border-radius:50%;display:grid;place-items:center;color:var(--brand);background:#fbecef;border:1px solid #f1c8d0;font-size:16px;font-weight:900;flex:0 0 auto}
.calcDetails[open]>summary:after{content:'−'}
.calcDetails>summary>span:first-child{display:flex;flex-direction:column;gap:2px;min-width:0}
.calcDetails>summary b{color:var(--charcoal);font-size:14px}
.calcDetails>summary small{font-size:10px;color:var(--muted);font-weight:400}
.calcDetails .pill{margin-left:auto;white-space:nowrap}
.detailsBody{border-top:1px solid var(--line);padding:12px 14px 14px}
.strategyTop{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
.strategyTop h4{margin-right:auto}
.strategyBadge{display:none;background:var(--brand);color:#fff;border-radius:999px;padding:3px 6px;font-size:8px;font-weight:900;white-space:nowrap}
.strategy.isBest{border-color:#d994a0;box-shadow:0 7px 20px rgba(201,31,56,.10)}
.strategy.isBest .strategyBadge{display:inline-flex}
.swipeHint{display:none;font-size:9px;color:var(--muted);margin:0 0 7px}
#timelineTable th:first-child,#timelineTable td:first-child{position:sticky;left:0;z-index:2;background:#fff}
#timelineTable th:first-child{z-index:3;background:#f2f3f5}
.toast{position:fixed;z-index:1000;left:50%;bottom:84px;transform:translate(-50%,20px);background:#171a1e;color:#fff;border:1px solid #373d44;border-radius:8px;padding:9px 13px;font-size:11px;font-weight:700;opacity:0;pointer-events:none;transition:.2s ease;box-shadow:0 8px 24px rgba(0,0,0,.25);max-width:calc(100% - 24px);text-align:center}
.toast.show{opacity:1;transform:translate(-50%,0)}
.pdfBusy{opacity:.65;pointer-events:none}
@media(max-width:540px){body{padding-bottom:82px}.calcDetails>summary{padding:11px}.calcDetails>summary small{font-size:9px}.calcDetails .pill{display:none}.detailsBody{padding:10px 11px 12px}.swipeHint{display:block}.strategyTop{align-items:center}.strategyBadge{font-size:7px;padding:3px 5px}.toast{bottom:72px}.emailActions .btn{flex:1 1 calc(50% - 5px);min-height:38px}}


/* =========================================================
   COMPACT STANDARD CALCULATOR HEADER — v13
   Brand masthead is reusable across calculators.
   Calculator-specific hero content is moved to .pageIntro.
   ========================================================= */
.compactHeader{
  background:#1d2126!important;
  border-top:3px solid #c9232b!important;
  padding:0!important;
  color:#fff;
}
.compactHeader .wrap{
  width:min(1180px,calc(100% - 24px));
}
.compactHeaderInner{
  min-height:76px;
  display:flex!important;
  align-items:center!important;
  justify-content:space-between!important;
  gap:22px!important;
  padding:10px 0!important;
  border:0!important;
}
.compactBrand{
  display:flex;
  align-items:center;
  min-width:0;
  gap:11px;
}
.compactLogo{
  width:76px;
  min-width:76px;
  height:54px;
  display:flex;
  align-items:center;
  justify-content:center;
  padding-right:11px;
  border-right:1px solid rgba(255,255,255,.22);
  overflow:hidden;
}
.compactLogo img{
  display:block;
  width:auto;
  height:54px;
  max-width:64px;
  object-fit:contain;
}
.compactWordmark{
  min-width:0;
}
.compactName{
  font-family:Georgia,'Times New Roman',serif;
  font-weight:700;
  color:#cf2b31;
  font-size:23px;
  line-height:1;
  letter-spacing:.25px;
  white-space:nowrap;
}
.compactCred{
  font-family:Georgia,'Times New Roman',serif;
  color:#fff;
  font-size:12px;
  line-height:1.1;
  font-weight:700;
  margin-top:4px;
  white-space:nowrap;
}
.compactPhones{
  margin-left:auto;
  display:flex!important;
  flex-direction:row!important;
  align-items:center;
  justify-content:flex-end;
  gap:22px!important;
  padding:0!important;
  border:0!important;
}
.compactPhones a{
  display:flex!important;
  align-items:center;
  gap:7px!important;
  color:#fff!important;
  text-decoration:none;
  font-size:14px!important;
  line-height:1!important;
  font-weight:900!important;
  white-space:nowrap;
  background:transparent!important;
  border:0!important;
  padding:0!important;
}
.compactPhoneIcon{
  width:25px;
  height:25px;
  min-width:25px;
  border-radius:50%;
  background:#cb232b;
  display:grid;
  place-items:center;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.12);
}
.compactPhoneIcon svg{
  width:14px;
  height:14px;
  fill:#fff;
}

/* Calculator-specific intro — intentionally outside the dark masthead */
.pageIntro{
  background:#fff;
  border-bottom:1px solid #e4e7ea;
  padding:17px 0 16px;
}
.pageIntro .wrap{
  width:min(1180px,calc(100% - 24px));
}
.introEyebrow{
  display:inline-flex;
  align-items:center;
  max-width:100%;
  padding:5px 9px;
  border-radius:999px;
  color:#b92028;
  background:#fff5f5;
  border:1px solid #f0c9cb;
  font-size:10px;
  line-height:1.2;
  font-weight:900;
  margin-bottom:8px;
}
.pageIntro h1{
  margin:0;
  max-width:900px;
  color:#20262c;
  font-size:22px;
  line-height:1.12;
  font-weight:900;
}
.pageIntro p{
  margin:7px 0 0;
  max-width:930px;
  color:#5b6671;
  font-size:11px;
  line-height:1.5;
}

/* Tablet */
@media(max-width:820px){
  .compactHeaderInner{
    min-height:70px;
    gap:14px!important;
  }
  .compactName{font-size:20px}
  .compactCred{font-size:10.5px}
  .compactPhones{gap:12px!important}
  .compactPhones a{font-size:12px!important}
  .compactPhoneIcon{width:22px;height:22px;min-width:22px}
}

/* Mobile — brand first row, BOTH phone numbers stay on one compact second row */
@media(max-width:620px){
  .compactHeader .wrap,
  .pageIntro .wrap{
    width:min(100% - 16px,1180px);
  }
  .compactHeaderInner{
    min-height:0;
    display:grid!important;
    grid-template-columns:1fr!important;
    gap:7px!important;
    padding:8px 0 9px!important;
  }
  .compactBrand{
    gap:8px;
  }
  .compactLogo{
    width:55px;
    min-width:55px;
    height:41px;
    padding-right:7px;
  }
  .compactLogo img{
    height:41px;
    max-width:46px;
  }
  .compactName{
    font-size:17px;
    line-height:1;
  }
  .compactCred{
    font-size:9.5px;
    margin-top:3px;
  }
  .compactPhones{
    width:100%;
    display:grid!important;
    grid-template-columns:1fr 1fr!important;
    gap:6px!important;
    border-top:1px solid rgba(255,255,255,.10)!important;
    padding-top:7px!important;
  }
  .compactPhones a{
    justify-content:center;
    gap:5px!important;
    font-size:11px!important;
    min-width:0;
  }
  .compactPhoneIcon{
    width:19px;
    height:19px;
    min-width:19px;
  }
  .compactPhoneIcon svg{
    width:11px;
    height:11px;
  }
  .pageIntro{
    padding:12px 0 11px;
  }
  .introEyebrow{
    font-size:8.8px;
    padding:4px 7px;
    margin-bottom:6px;
  }
  .pageIntro h1{
    font-size:18px;
    line-height:1.13;
  }
  .pageIntro p{
    margin-top:6px;
    font-size:10px;
    line-height:1.45;
  }
}

/* Very narrow phones */
@media(max-width:360px){
  .compactPhones a{font-size:10px!important}
  .compactPhoneIcon{display:none}
  .compactName{font-size:16px}
}


/* Smart date fields: same one-line footprint as native date inputs, with reliable 4-digit year entry */
.smartDate{
  position:relative;
  width:100%;
  height:38px;
}
.smartDateText{
  width:100%;
  height:38px;
  padding:0 42px 0 10px;
  border:1px solid #cbd8e5;
  border-radius:9px;
  background:#fff;
  color:var(--ink);
  font:inherit;
  font-variant-numeric:tabular-nums;
  letter-spacing:.1px;
  outline:none;
}
.smartDateText:focus{
  border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(27,95,158,.11);
}
.smartDateText.dateInvalid{
  border-color:#a83b3b;
  background:#fff7f7;
}
.smartDateBtn{
  position:absolute;
  z-index:3;
  right:1px;
  top:1px;
  width:38px;
  height:36px;
  border:0;
  border-left:1px solid #e2e8ee;
  border-radius:0 8px 8px 0;
  background:#fff;
  display:grid;
  place-items:center;
  cursor:pointer;
  padding:0;
}
.smartDateBtn:hover{background:#f6f8fa}
.smartDateBtn svg{
  width:17px;
  height:17px;
  fill:none;
  stroke:#667789;
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round;
}
.smartDatePicker{
  position:absolute!important;
  width:1px!important;
  height:1px!important;
  opacity:0!important;
  pointer-events:none!important;
  left:auto!important;
  right:4px!important;
  bottom:0!important;
  padding:0!important;
  border:0!important;
}


/* v16 date control reliability fix:
   normal text input for keyboard entry + real native date input over icon area */
.smartDate{
  position:relative;
  width:100%;
  height:38px;
}
.smartDateText{
  width:100%;
  height:38px;
  padding:0 42px 0 10px;
  border:1px solid #cbd8e5;
  border-radius:9px;
  background:#fff;
  color:var(--ink);
  font:inherit;
  font-variant-numeric:tabular-nums;
  outline:none;
  cursor:text;
}
.smartDateText:focus{
  border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(27,95,158,.11);
}
.smartDateText.dateInvalid{
  border-color:#a83b3b;
  background:#fff7f7;
}
.smartDateIcon{
  position:absolute;
  z-index:3;
  right:1px;
  top:1px;
  width:38px;
  height:36px;
  display:grid;
  place-items:center;
  border-left:1px solid #e2e8ee;
  border-radius:0 8px 8px 0;
  background:#fff;
  pointer-events:none;
}
.smartDateIcon svg{
  width:17px;
  height:17px;
  fill:none;
  stroke:#667789;
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round;
}
.smartDatePicker{
  position:absolute!important;
  z-index:5!important;
  right:1px!important;
  top:1px!important;
  width:38px!important;
  height:36px!important;
  margin:0!important;
  padding:0!important;
  border:0!important;
  opacity:0!important;
  cursor:pointer!important;
  pointer-events:auto!important;
  color:transparent!important;
  background:transparent!important;
}
.smartDatePicker::-webkit-calendar-picker-indicator{
  position:absolute;
  inset:0;
  width:100%;
  height:100%;
  margin:0;
  padding:0;
  opacity:0;
  cursor:pointer;
}