/* Home Kruncher shared blog styles — generated from index.html style block */

  :root {
    --blue-900: #0c1a3a;
    --blue-800: #12296b;
    --blue-700: #1a3a8f;
    --blue-600: #1e4fc2;
    --blue-500: #2563eb;
    --blue-400: #3b82f6;
    --blue-300: #93c5fd;
    --blue-100: #dbeafe;
    --blue-50:  #eff6ff;
    --green-600: #16a34a;
    --green-500: #22c55e;
    --green-400: #4ade80;
    --green-100: #dcfce7;
    --green-50:  #f0fdf4;
    --amber-500: #f59e0b;
    --amber-100: #fef3c7;
    --red-500:   #ef4444;
    --red-100:   #fee2e2;
    --gray-900:  #0f172a;
    --gray-700:  #334155;
    --gray-500:  #64748b;
    --gray-300:  #cbd5e1;
    --gray-100:  #f1f5f9;
    --gray-50:   #f8fafc;
    --white:     #ffffff;
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,.08);
    --shadow-md: 0 4px 16px rgba(0,0,0,.10);
    --shadow-lg: 0 8px 32px rgba(0,0,0,.12);
  }
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  @keyframes spin { to { transform: rotate(360deg); } }
  html { scroll-behavior: smooth; }
  body {
    font-family: 'Sora', sans-serif;
    background: #ffffff;
    color: var(--gray-900);
    min-height: 100vh;
    font-size: 14px;
    line-height: 1.5;
  }

  /* ── HEADER ── */
  header {
    background: #0c1a3a;
    padding: 0;
    position: relative;
    border-bottom: 1px solid rgba(255,255,255,.06);
    box-shadow: 0 2px 20px rgba(0,0,0,.4);
  }
  header::before { display: none; }
  header::after { display: none; }
  .header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 12px 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    position: relative;
    z-index: 1;
  }
  .logo-area { display: flex; flex-direction: column; align-items: center; gap: 8px; }
  .logo-img { height: 70px; width: auto; display: block; mix-blend-mode: multiply; }
  .logo-reset { display: block; cursor: pointer; opacity: 1; transition: opacity .2s; }
  .logo-reset:hover { opacity: .8; }
  .header-pills { display: flex; gap: 8px; flex-wrap: wrap; justify-content: center; }
  .pill {
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.18);
    color: rgba(255,255,255,.85);
    padding: 5px 12px; border-radius: 100px;
    font-size: 11px; font-weight: 500;
    cursor: pointer; text-decoration: none;
    display: inline-flex; align-items: center; gap: 5px;
    transition: background .18s, border-color .18s, color .18s, transform .15s, box-shadow .18s;
  }
  .pill:hover {
    background: rgba(255,255,255,.28);
    border-color: rgba(255,255,255,.5);
    color: #ffffff;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(0,0,0,.25);
  }
  .pill:active { transform: translateY(0); box-shadow: none; }
  .pill.green { background: rgba(34,197,94,.15); border-color: rgba(34,197,94,.3); color: #4ade80; }
  .pill.green:hover { background: rgba(34,197,94,.35); border-color: rgba(34,197,94,.6); color: #86efac; }

  /* ── MAIN LAYOUT ── */
  main { max-width: 1200px; margin: 0 auto; padding: 28px 32px 64px; }

  /* ── TABS ── */
  .tab-bar {
    display: flex; gap: 0;
    background: white;
    border-radius: var(--radius-lg);
    padding: 6px;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(12, 26, 58, 0.14);
    margin-bottom: 24px;
    overflow-x: auto;
    scrollbar-width: none;
    flex-wrap: nowrap;
  }
  .tab-bar::-webkit-scrollbar { display: none; }
  .tab-btn {
    flex: 1; min-width: 100px;
    display: flex; align-items: center; justify-content: center; gap: 6px;
    padding: 10px 14px;
    border: none; background: none; cursor: pointer;
    font-family: 'Sora', sans-serif;
    font-size: 13px; font-weight: 500;
    color: var(--gray-500);
    border-radius: var(--radius-md);
    transition: all 0.2s;
    white-space: nowrap;
  }
  .tab-btn:hover { background: #ffffff; color: var(--gray-700); }
  .tab-btn.active {
    background: linear-gradient(135deg, var(--blue-600), var(--blue-500));
    color: white;
    box-shadow: 0 3px 10px rgba(37,99,235,.3);
  }
  .tab-btn i { font-size: 15px; }

  /* ── GRID ── */
  .grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
  .grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
  .grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 14px; }
  .col-stack { display: flex; flex-direction: column; gap: 20px; }

  /* ── CARDS ── */
  .card {
    background: white;
    border: 1px solid rgba(12, 26, 58, 0.14);
    border-radius: var(--radius-lg);
    padding: 22px;
    box-shadow: var(--shadow-sm);
  }
  .card-header {
    display: flex; align-items: center; gap: 10px;
    margin-bottom: 18px;
    padding-bottom: 14px;
    border-bottom: 1px solid rgba(12, 26, 58, 0.15);
  }
  .card-header .icon {
    width: 34px; height: 34px;
    background: var(--blue-50);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    color: var(--blue-600); font-size: 16px;
  }
  .card-header h2 { font-size: 15px; font-weight: 600; color: var(--gray-900); }

  /* ── METRIC CARDS ── */
  .metric {
    border-radius: var(--radius-md);
    padding: 14px 16px;
    display: flex; flex-direction: column; gap: 3;
  }
  .metric.default { background: #ffffff; border: 1px solid var(--gray-100); }
  .metric.blue { background: var(--blue-50); border: 1px solid var(--blue-100); }
  .metric.green { background: var(--green-50); border: 1px solid var(--green-100); }
  .metric.amber { background: var(--amber-100); border: 1px solid #fde68a; }
  .metric.red { background: var(--red-100); border: 1px solid #fca5a5; }
  .metric .m-label { font-size: 11px; font-weight: 500; text-transform: uppercase; letter-spacing: .05em; }
  .metric.default .m-label { color: var(--gray-500); }
  .metric.blue .m-label { color: var(--blue-600); }
  .metric.green .m-label { color: var(--green-600); }
  .metric.amber .m-label { color: #92400e; }
  .metric.red .m-label { color: var(--red-500); }
  .metric .m-value { font-size: 20px; font-weight: 400; font-family: 'DM Mono', monospace; }
  .metric.default .m-value { color: var(--gray-900); }
  .metric.blue .m-value { color: var(--blue-700); }
  .metric.green .m-value { color: var(--green-600); }
  .metric.amber .m-value { color: #92400e; }
  .metric.red .m-value { color: var(--red-500); }
  .metric .m-sub { font-size: 11px; }
  .metric.default .m-sub { color: var(--gray-500); }
  .metric.blue .m-sub { color: var(--blue-500); }
  .metric.green .m-sub { color: var(--green-500); }

  /* ── SLIDERS ── */
  .slider-group { margin-bottom: 18px; }
  .slider-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 7px; }
  .slider-label { font-size: 13px; color: var(--gray-500); display: flex; align-items: center; gap: 6px; }
  .slider-label i { font-size: 14px; color: var(--blue-400); }
  .slider-value { font-size: 14px; font-weight: 600; color: var(--gray-900); font-family: 'DM Mono', monospace; }
  .slider-ends { display: flex; justify-content: space-between; font-size: 11px; color: var(--gray-400); margin-top: 3px; }
  input[type=range] {
    width: 100%; height: 5px;
    -webkit-appearance: none; appearance: none;
    background: linear-gradient(to right, var(--blue-500) 0%, var(--blue-500) var(--pct,50%), var(--gray-200) var(--pct,50%));
    border-radius: 100px; outline: none; cursor: pointer;
  }
  input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: white;
    border: 2px solid var(--blue-500);
    box-shadow: 0 2px 6px rgba(37,99,235,.3);
    cursor: pointer;
    transition: transform .15s;
  }
  input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.15); }
  input[type=range]::-moz-range-thumb {
    width: 18px; height: 18px; border-radius: 50%;
    background: white; border: 2px solid var(--blue-500);
    cursor: pointer;
  }

  /* ── LINE ROWS ── */
  .line-row {
    display: flex; justify-content: space-between; align-items: center;
    padding: 9px 0; border-bottom: 1px solid var(--gray-100);
    gap: 8px;
  }
  .line-row:last-child { border-bottom: none; }
  .line-row .lr-label { font-size: 13px; color: var(--gray-500); display: flex; align-items: center; gap: 8px; flex: 1; }
  .line-row .lr-label i { font-size: 13px; color: var(--blue-400); flex-shrink: 0; }
  .line-row .lr-label.bold { color: var(--gray-900); font-weight: 600; }
  .line-row .lr-val { font-size: 13px; font-weight: 500; font-family: 'DM Mono', monospace; color: var(--gray-900); flex-shrink: 0; }
  .line-row .lr-val.positive { color: var(--green-600); }

  /* ── TOTAL BARS ── */
  .total-bar {
    display: flex; justify-content: space-between; align-items: center;
    padding: 16px 18px; border-radius: var(--radius-md);
    margin-top: 12px;
  }
  .total-bar.blue { background: linear-gradient(135deg, var(--blue-600), var(--blue-500)); }
  .total-bar.green { background: linear-gradient(135deg, var(--green-600), var(--green-500)); }
  .total-bar.amber { background: linear-gradient(135deg, #d97706, var(--amber-500)); }
  .total-bar.red { background: #ef4444; }
  .total-bar .tb-label { font-size: 14px; font-weight: 600; color: white; display: flex; align-items: center; flex-wrap: wrap; gap: 8px; }
  .total-bar .tb-label i { font-size: 16px; }
  .total-bar .tb-label::after { content: "Estimate only"; flex-basis: 100%; font-size: 10px; font-weight: 400; letter-spacing: .03em; opacity: .8; margin-top: -2px; }
  .total-bar .tb-value { font-size: 24px; font-weight: 600; color: white; font-family: 'DM Mono', monospace; }

  /* ── TOGGLE BUTTONS ── */
  .toggle-group { display: flex; gap: 8px; }
  .toggle-btn {
    flex: 1; padding: 9px 8px; border-radius: var(--radius-md);
    border: 1px solid var(--gray-200); background: #ffffff;
    font-family: 'Sora', sans-serif; font-size: 12px; font-weight: 500;
    color: var(--gray-500); cursor: pointer; transition: all .2s;
  }
  .toggle-btn.active {
    background: var(--blue-50); border-color: var(--blue-300);
    color: var(--blue-700);
  }
  .toggle-btn.active-green {
    background: var(--green-50); border-color: var(--green-400);
    color: var(--green-600);
  }

  /* ── TERM BUTTONS ── */
  .term-group { display: flex; gap: 8px; }
  .term-btn {
    flex: 1; padding: 8px 4px; border-radius: var(--radius-md);
    border: 1px solid var(--gray-200); background: #ffffff;
    font-family: 'Sora', sans-serif; font-size: 13px; font-weight: 500;
    color: var(--gray-500); cursor: pointer; transition: all .2s;
  }
  .term-btn.active {
    background: var(--blue-600); border-color: var(--blue-600);
    color: white; box-shadow: 0 2px 8px rgba(37,99,235,.3);
  }

  /* ── INFO BOX ── */
  .info-box {
    border-radius: var(--radius-md); padding: 10px 14px;
    font-size: 12px; margin-top: 10px;
  }
  .info-box.blue { background: var(--blue-50); color: var(--blue-700); border: 1px solid var(--blue-100); }
  .info-box.green { background: var(--green-50); color: var(--green-600); border: 1px solid var(--green-100); }
  .info-box.amber { background: var(--amber-100); color: #92400e; border: 1px solid #fde68a; }
  .info-box.red { background: var(--red-100); color: var(--red-500); border: 1px solid #fca5a5; }
  .info-box.gray { background: #ffffff; color: var(--gray-600); border: 1px solid var(--gray-200); }

  /* ── INPUTS ── */
  .text-input {
    width: 100%; padding: 9px 12px;
    border: 1px solid var(--gray-200); border-radius: var(--radius-md);
    font-family: 'Sora', sans-serif; font-size: 13px; color: var(--gray-900);
    background: white; outline: none; transition: border-color .2s;
    box-sizing: border-box;
  }
  .text-input:focus { border-color: var(--blue-400); box-shadow: 0 0 0 3px rgba(59,130,246,.12); }
  input[type=number].text-input { font-family: 'DM Mono', monospace; }
  input[type=number]::-webkit-inner-spin-button,
  input[type=number]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
  input[type=number] { -moz-appearance: textfield; }

  /* ── MORTGAGE FIELD ROWS ── */
  .field-row { display:flex; align-items:center; gap:8px; padding:9px 0; border-bottom:1px solid var(--gray-100); }
  .field-lbl { font-size:13px; color:var(--gray-700); font-weight:500; flex:1; white-space:nowrap; }
  .field-num { width:110px; padding:7px 10px; border:1px solid var(--gray-300); border-radius:var(--radius-sm); font-family:'DM Mono',monospace; font-size:13px; color:var(--gray-900); background:white; outline:none; transition:border-color .2s; box-sizing:border-box; }
  .field-num.money-input { width:128px; }
  .field-num:focus { border-color:var(--blue-400); box-shadow:0 0 0 3px rgba(59,130,246,.12); }
  .field-num[readonly] { background:var(--gray-50); color:var(--gray-500); cursor:default; }
  /* iOS Safari: prevent auto-zoom on input focus (requires font-size >= 16px on mobile) */
  @media (max-width: 768px) {
    .field-num, .text-input, input[type="number"], input[type="text"], input[type="search"] { font-size: 16px !important; }
  }
  .field-sel { flex:1; padding:7px 10px; border:1px solid var(--gray-300); border-radius:var(--radius-sm); font-family:'Sora',sans-serif; font-size:13px; color:var(--gray-900); background:white; outline:none; cursor:pointer; box-sizing:border-box; }
  .field-sel:focus { border-color:var(--blue-400); }
  /* Custom dropdown (replaces native select for Loan Type) */
  .cdd-wrap { position:relative; flex:1; }
  .cdd-btn { width:100%; padding:7px 10px; border:1px solid var(--gray-300); border-radius:var(--radius-sm); font-family:'Sora',sans-serif; font-size:13px; color:var(--gray-900); background:white; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:6px; box-sizing:border-box; text-align:left; }
  .cdd-btn:focus { border-color:var(--blue-400); outline:none; box-shadow:0 0 0 3px rgba(59,130,246,.12); }
  .cdd-btn i { font-size:13px; color:var(--gray-500); transition:transform .18s; flex-shrink:0; }
  .cdd-btn.open i { transform:rotate(180deg); }
  .cdd-list { display:none; position:absolute; top:calc(100% + 4px); left:0; right:0; background:white; border:1px solid var(--gray-300); border-radius:var(--radius-sm); box-shadow:0 6px 20px rgba(0,0,0,.13); z-index:9999; overflow-y:auto; max-height:220px; }
  .cdd-list.open { display:block; }
  .cdd-opt { padding:10px 12px; font-family:'Sora',sans-serif; font-size:13px; color:var(--gray-900); cursor:pointer; transition:background .15s; }
  .cdd-opt:hover { background:rgba(59,130,246,.07); }
  .cdd-opt.active { background:rgba(59,130,246,.11); color:var(--blue-600); font-weight:600; }
  .field-unit { font-size:13px; color:var(--gray-500); white-space:nowrap; }
  .txn-seg { display:flex; border:1px solid var(--gray-300); border-radius:var(--radius-sm); overflow:hidden; }
  .txn-btn { flex:1; padding:7px 16px; font-size:12px; font-family:'Sora',sans-serif; font-weight:600; border:none; background:white; color:var(--gray-500); cursor:pointer; transition:background .18s,color .18s; white-space:nowrap; }
  .txn-btn + .txn-btn { border-left:1px solid var(--gray-300); }
  .txn-btn.active { background:var(--blue-500); color:#fff; }
  .txn-btn.active:hover { background:var(--blue-600); }
  .refi-insight-grid { display:grid; grid-template-columns:1fr 1fr 1fr; gap:10px; margin-bottom:10px; }
  .refi-kpi-label { font-size:10px; text-transform:uppercase; letter-spacing:.06em; opacity:.65; font-family:'Sora',sans-serif; }
  .refi-kpi-value { font-size:17px; font-weight:600; font-family:'DM Mono',monospace; margin-top:2px; }
  .dp-toggle { display:flex; gap:8px; align-items:center; font-size:12px; white-space:nowrap; }
  .dp-toggle label { display:flex; align-items:center; gap:3px; color:var(--gray-700); cursor:pointer; }
  .dp-mode-seg { display:inline-flex; border:1px solid var(--blue-300); border-radius:var(--radius-sm); overflow:hidden; }
  .dp-seg-btn { min-width:34px; height:30px; padding:0 10px; border:none; background:var(--blue-50); color:var(--blue-400); font-family:'DM Mono',monospace; font-size:14px; font-weight:400; cursor:pointer; transition:background .18s,color .18s; display:inline-flex; align-items:center; justify-content:center; }
  .dp-seg-btn + .dp-seg-btn { border-left:1px solid var(--blue-300); }
  .dp-seg-btn.active { background:var(--blue-500); color:#fff; }
  .dp-seg-btn:not(.active):hover { background:#dbeafe; color:var(--blue-600); }
  .dp-seg-btn:focus-visible { outline:none; box-shadow:inset 0 0 0 2px rgba(59,130,246,.45); }
  .cta-btn { display:block; width:100%; padding:11px 16px; background:var(--blue-500); color:#fff; border:none; border-radius:var(--radius-md); font-size:13px; font-weight:600; font-family:'Sora',sans-serif; cursor:pointer; margin:10px 0 4px; transition:background .2s; text-align:center; }
  .cta-btn:hover { background:var(--blue-600); }
  .cta-btn.outline { background:transparent; color:var(--blue-600); border:1.5px solid var(--blue-300); margin-top:6px; }
  .cta-btn.outline:hover { background:var(--blue-50); }
  select.text-input { cursor: pointer; }

  /* ── CHECKBOX ITEMS ── */
  .check-item { padding: 10px 0; border-bottom: 1px solid var(--gray-100); }
  .check-item:last-child { border-bottom: none; }
  .check-row { display: flex; align-items: center; gap: 8px; }
  .check-row input[type=checkbox] { width: 15px; height: 15px; cursor: pointer; accent-color: var(--blue-500); flex-shrink: 0; }
  .check-row label { font-size: 13px; cursor: pointer; flex: 1; display: flex; align-items: center; gap: 7px; color: var(--gray-500); }
  .check-row label.enabled { color: var(--gray-900); font-weight: 500; }
  .check-row label i { font-size: 13px; color: var(--blue-400); }
  .check-row .check-val { font-size: 13px; font-weight: 600; font-family: 'DM Mono', monospace; color: var(--gray-900); }
  .check-row input[type=number] {
    width: 90px; padding: 3px 8px; border: 1px solid var(--gray-200);
    border-radius: var(--radius-sm); font-family: 'DM Mono', monospace;
    font-size: 13px; text-align: right; color: var(--gray-900);
    background: white; outline: none;
  }
  .check-row input[type=number]:focus { border-color: var(--blue-400); }

  /* ── TABLE ── */
  .data-table { width: 100%; border-collapse: collapse; font-size: 13px; }
  .data-table th { padding: 9px 12px; text-align: left; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: .05em; color: var(--gray-400); border-bottom: 1px solid var(--gray-100); }
  .data-table td { padding: 11px 12px; border-bottom: 1px solid var(--gray-50); color: var(--gray-700); }
  .data-table td.mono { font-family: 'DM Mono', monospace; font-weight: 500; color: var(--gray-900); }
  .data-table td.dim { color: var(--gray-400); }
  .data-table tr:last-child td { border-bottom: none; }
  .data-table tr:hover td { background: #ffffff; }

  /* ── SEARCH BTN ── */
  .search-btn {
    width: 100%; padding: 11px; border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--blue-600), var(--blue-500));
    color: white; border: none; font-family: 'Sora', sans-serif;
    font-size: 14px; font-weight: 600; cursor: pointer;
    display: flex; align-items: center; justify-content: center; gap: 8px;
    box-shadow: 0 3px 10px rgba(37,99,235,.3);
    transition: all .2s;
  }
  .search-btn:hover { box-shadow: 0 4px 16px rgba(37,99,235,.4); transform: translateY(-1px); }
  .search-btn:disabled { opacity: .6; cursor: not-allowed; transform: none; }

  /* ── BAR CHART ── */
  .bar-track { background: var(--gray-100); border-radius: 6px; height: 10px; overflow: hidden; position: relative; }
  .bar-fill { height: 100%; border-radius: 6px; transition: width .4s ease; }
  .bar-fill.green { background: linear-gradient(90deg, var(--green-500), var(--green-400)); }
  .bar-fill.red { background: var(--red-500); opacity: .6; }

  /* ── SECTION DIVIDER ── */
  .section-divider { border: none; border-top: 1px solid var(--blue-800); margin: 18px 0; opacity: 0.18; }
  .section-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: .07em; color: var(--gray-400); margin-bottom: 10px; }

  /* ── MISC ── */
  .footnote { font-size: 11px; color: var(--gray-400); margin-top: 10px; line-height: 1.5; }
  .points-mini-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; margin-top: 10px; }
  .mini-card { border-radius: var(--radius-md); padding: 9px 10px; }
  .mini-card .mc-label { font-size: 11px; margin-bottom: 2px; }
  .mini-card .mc-val { font-size: 14px; font-weight: 600; font-family: 'DM Mono', monospace; }
  .tab-content { animation: fadeIn .15s ease; }
  @keyframes fadeIn { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: none; } }

  /* Darker dividers inside cards */
  .card-header { border-bottom: 1px solid rgba(12, 26, 58, 0.15); }
  .line-row { border-bottom: 1px solid rgba(12, 26, 58, 0.12); }
  .check-item { border-bottom: 1px solid rgba(12, 26, 58, 0.12); }
  .data-table th { border-bottom: 1px solid rgba(12, 26, 58, 0.18); }
  .data-table td { border-bottom: 1px solid rgba(12, 26, 58, 0.07); }
  .slider-group { border-bottom: none; }

  /* ── AMORTIZATION CHART ── */
  .amort-chart-wrap {
    background: var(--blue-900);
    border-radius: var(--radius-lg);
    padding: 20px 24px 18px;
    margin-bottom: 20px;
    box-shadow: 0 8px 32px rgba(12,26,58,.25);
    position: relative;
    z-index: 0;
  }
  .amort-chart-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 14px;
    gap: 12px;
    flex-wrap: wrap;
  }
  .amort-chart-title {
    font-family: 'Sora', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: rgba(255,255,255,.92);
    letter-spacing: .01em;
  }
  .amort-chart-sub {
    font-family: 'DM Mono', monospace;
    font-size: 11px;
    color: rgba(255,255,255,.7);
    margin-top: 2px;
  }
  .amort-chart-kpis {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
  }
  .amort-kpi {
    text-align: right;
  }
  .amort-kpi-label {
    font-size: 10px;
    color: rgba(255,255,255,.7);
    font-family: 'Sora', sans-serif;
    text-transform: uppercase;
    letter-spacing: .06em;
  }
  .amort-kpi-value {
    font-size: 14px;
    font-weight: 400;
    font-family: 'DM Mono', monospace;
    color: rgba(255,255,255,.88);
    margin-top: 1px;
  }
  .amort-canvas-wrap {
    position: relative;
    height: 240px;
  }

  /* ── LOAN GUIDE ── */
  .guide-term { display: flex; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--gray-100); align-items: baseline; }
  .guide-term:last-child { border-bottom: none; }
  .guide-term-name { font-size: 13px; font-weight: 600; color: var(--blue-700); min-width: 130px; flex-shrink: 0; font-family: 'Sora', sans-serif; }
  .guide-term-def { font-size: 13px; color: var(--gray-700); line-height: 1.5; }
  .guide-compare-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 0; }
  .guide-compare-cell { padding: 10px 14px; font-size: 13px; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); line-height: 1.4; }
  .guide-compare-cell:last-child { border-bottom: none; }
  .guide-compare-head { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; padding: 10px 14px; color: var(--gray-500); background: var(--gray-50); border-bottom: 1px solid var(--gray-100); }
  .guide-compare-head.blue { color: var(--blue-600); background: var(--blue-50); }
  .guide-compare-head.green { color: var(--green-600); background: var(--green-50); }
  .guide-compare-label { font-weight: 600; color: var(--gray-900); font-size: 13px; }
  .guide-highlight { background: var(--blue-50); border-left: 3px solid var(--blue-400); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 12px 16px; font-size: 13px; color: var(--gray-800); line-height: 1.6; margin-top: 4px; }
  .guide-highlight.green { background: var(--green-50); border-left-color: var(--green-500); }
  .guide-highlight.amber { background: var(--amber-100); border-left-color: var(--amber-500); }

  /* ── BLOG ── */
  .blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 20px; margin-top: 4px; }
  .blog-card { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-md); overflow: hidden; display: flex; flex-direction: column; transition: box-shadow .2s, transform .2s; }
  .blog-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,.10); transform: translateY(-2px); }
  .blog-card-hero { height: 120px; display: flex; align-items: center; justify-content: center; font-size: 36px; }
  .blog-card-body { padding: 16px; flex: 1; display: flex; flex-direction: column; gap: 8px; }
  .blog-tag { display: inline-block; font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; padding: 2px 8px; border-radius: 100px; background: var(--blue-50); color: var(--blue-600); }
  .blog-tag.green { background: var(--green-50); color: var(--green-600); }
  .blog-tag.amber { background: var(--amber-100); color: #92400e; }
  .blog-tag.purple { background: #f3e8ff; color: #7c3aed; }
  .blog-card-title { font-size: 15px; font-weight: 700; color: var(--gray-900); line-height: 1.35; font-family: 'Sora', sans-serif; cursor: pointer; }
  .blog-card-title:hover { color: var(--blue-600); }
  .blog-card-excerpt { font-size: 13px; color: var(--gray-600); line-height: 1.55; flex: 1; }
  .blog-card-meta { display: flex; align-items: center; gap: 10px; font-size: 11px; color: var(--gray-400); margin-top: 4px; }
  .blog-read-btn { margin-top: 6px; font-size: 12px; font-weight: 600; color: var(--blue-600); background: none; border: none; cursor: pointer; padding: 0; text-align: left; display: flex; align-items: center; gap: 4px; }
  .blog-read-btn:hover { color: var(--blue-700); }
  .blog-article { display: none; background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-md); padding: 28px; margin-top: 4px; }
  .blog-article.open { display: block; animation: fadeIn .18s ease; }
  .blog-article h3 { font-size: 20px; font-weight: 700; color: var(--gray-900); margin-bottom: 12px; line-height: 1.3; }
  .blog-article p { font-size: 14px; color: var(--gray-700); line-height: 1.7; margin-bottom: 14px; }
  .blog-article h4 { font-size: 14px; font-weight: 700; color: var(--gray-800); margin: 18px 0 6px; }
  .blog-article ul { padding-left: 20px; margin-bottom: 14px; }
  .blog-article ul li { font-size: 14px; color: var(--gray-700); line-height: 1.65; margin-bottom: 4px; }
  .blog-back-btn { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 600; color: var(--blue-600); background: none; border: none; cursor: pointer; padding: 0; margin-bottom: 20px; }
  .blog-back-btn:hover { color: var(--blue-700); }
  @media (max-width: 600px) { .blog-grid { grid-template-columns: 1fr; } }

  /* ── BLOG ARTICLE BODY ── */
  :root { --hk-navy:#1a3a5c; --hk-blue:#3a8fd4; --hk-green:#5cb85c; --hk-green-mid:#3a8a38; --hk-blue-light:#e8f3fb; --hk-green-light:#edf7ed; --hk-navy-light:#e8eef4; }
  .blog-art-intro { font-size:16px; color:var(--gray-600); font-style:italic; border-left:3px solid var(--hk-green); padding-left:1.25rem; margin-bottom:1.75rem; line-height:1.7; }
  .blog-section-h2 { font-family:'Playfair Display',serif; font-size:1.3rem; margin:2rem 0 .6rem; color:var(--gray-900); line-height:1.3; }
  .blog-section-h2::before { content:''; display:block; width:32px; height:3px; background:linear-gradient(90deg,var(--hk-green),var(--hk-blue)); margin-bottom:.5rem; border-radius:2px; }
  .term-card { background:#fff; border:0.5px solid var(--gray-200); border-top:3px solid var(--hk-blue); border-radius:var(--radius-lg); padding:1.25rem 1.4rem; margin:1.25rem 0 1.75rem; }
  .term-card:nth-child(even) { border-top-color:var(--hk-green); }
  .term-label { font-family:'Sora',sans-serif; font-size:11px; letter-spacing:.1em; text-transform:uppercase; color:var(--hk-blue); margin-bottom:.3rem; font-weight:500; }
  .term-card:nth-child(even) .term-label { color:var(--hk-green-mid); }
  .term-name { font-family:'Playfair Display',serif; font-size:1.3rem; margin-bottom:.5rem; color:var(--gray-900); font-weight:700; }
  .quick-def { font-family:'Sora',sans-serif; font-size:13px; color:var(--gray-500); border-bottom:0.5px solid var(--gray-100); padding-bottom:.65rem; margin-bottom:.65rem; }
  .quick-def span { font-weight:500; color:var(--gray-900); }
  .scenario { background:var(--hk-blue-light); border-radius:var(--radius-md); padding:1rem 1.2rem; margin:1rem 0; font-size:14px; color:var(--hk-navy); font-family:'Sora',sans-serif; line-height:1.6; }
  .scenario strong { display:block; font-size:11px; text-transform:uppercase; letter-spacing:.08em; margin-bottom:.4rem; color:var(--hk-blue); font-weight:600; }
  .tip-box { background:var(--hk-green-light); border-left:3px solid var(--hk-green); border-radius:0 var(--radius-md) var(--radius-md) 0; padding:1rem 1.2rem; margin:1rem 0; font-family:'Sora',sans-serif; font-size:14px; color:var(--hk-navy); line-height:1.6; }
  .tip-box strong { font-size:11px; text-transform:uppercase; letter-spacing:.08em; display:block; margin-bottom:.3rem; color:var(--hk-green-mid); font-weight:600; }
  .warning-box { background:#FFF8E6; border-left:3px solid #E0A020; border-radius:0 var(--radius-md) var(--radius-md) 0; padding:1rem 1.2rem; margin:1rem 0; font-family:'Sora',sans-serif; font-size:14px; color:#5A3E00; line-height:1.6; }
  .warning-box strong { font-size:11px; text-transform:uppercase; letter-spacing:.08em; display:block; margin-bottom:.3rem; color:#8A5F00; font-weight:600; }
  .cheatsheet { background:#fff; border:0.5px solid var(--gray-200); border-radius:var(--radius-lg); padding:1.25rem; margin:1.75rem 0; }
  .cheatsheet-title { font-family:'Sora',sans-serif; font-size:12px; font-weight:500; text-transform:uppercase; letter-spacing:.08em; margin-bottom:1rem; color:var(--gray-500); display:flex; align-items:center; gap:8px; }
  .cheatsheet-title::before { content:''; display:inline-block; width:10px; height:10px; border-radius:50%; background:linear-gradient(135deg,var(--hk-green),var(--hk-blue)); flex-shrink:0; }
  .cheat-row { display:grid; grid-template-columns:120px 1fr; gap:8px 16px; padding:8px 0; border-bottom:0.5px solid var(--gray-100); font-family:'Sora',sans-serif; font-size:13px; align-items:start; }
  .cheat-row:last-child { border-bottom:none; }
  .cheat-term { font-weight:500; color:var(--hk-blue); }
  .cheat-def { color:var(--gray-600); }
  .tag-line { display:inline-block; font-size:11px; font-weight:500; letter-spacing:.12em; text-transform:uppercase; color:var(--hk-blue); background:var(--hk-blue-light); padding:4px 14px; border-radius:20px; margin-bottom:1rem; }
  .blog-intro { font-size:16px; line-height:1.75; color:var(--gray-600); margin-bottom:1.5rem; border-left:3px solid var(--hk-blue); padding-left:1rem; }
  h2.section-head { font-family:'Lora',serif; font-size:19px; font-weight:600; margin:2rem 0 .6rem; color:var(--hk-navy); display:flex; align-items:center; gap:10px; }
  h2.section-head i { font-size:20px; color:var(--hk-blue); }
  .blog-body p { font-size:15px; line-height:1.8; color:var(--gray-800); margin:0 0 1rem; }
  .scenario-box { background:var(--hk-blue-light); border:0.5px solid #b8d8f0; border-left:3px solid var(--hk-blue); border-radius:var(--radius-md); padding:1rem 1.25rem; margin:1.25rem 0; }
  .scenario-box .scenario-label { font-size:11px; font-weight:500; text-transform:uppercase; letter-spacing:.1em; color:var(--hk-blue); margin-bottom:6px; }
  .scenario-box p { font-size:14px; line-height:1.7; color:var(--hk-navy); margin:0; }
  .checklist { list-style:none; padding:0; margin:.75rem 0 1.25rem; display:flex; flex-direction:column; gap:9px; }
  .checklist li { display:flex; align-items:flex-start; gap:10px; font-size:14px; line-height:1.6; color:var(--gray-800); }
  .checklist li i { font-size:16px; margin-top:2px; flex-shrink:0; color:var(--hk-green); }
  .tip-card { background:var(--hk-green-light); border:0.5px solid #b8dfb8; border-left:3px solid var(--hk-green); border-radius:var(--radius-md); padding:1rem 1.25rem; margin:1rem 0; display:flex; gap:12px; align-items:flex-start; }
  .tip-card i.tip-icon { font-size:20px; color:var(--hk-green); flex-shrink:0; margin-top:2px; }
  .tip-card .tip-content { font-size:14px; line-height:1.7; color:var(--hk-navy); }
  .tip-card .tip-label { font-size:11px; font-weight:500; text-transform:uppercase; letter-spacing:.08em; color:var(--hk-green); margin-bottom:4px; }
  .divider { border:none; border-top:1px solid var(--gray-100); margin:1.75rem 0; }
  .stat-row { display:grid; grid-template-columns:repeat(3,1fr); gap:10px; margin:1.25rem 0; }
  .stat-card { background:var(--hk-navy-light); border-radius:var(--radius-md); padding:.85rem 1rem; text-align:center; border:0.5px solid #b0c4d8; }
  .stat-card .stat-num { font-size:20px; font-weight:500; color:var(--hk-navy); font-family:'Lora',serif; }
  .stat-card .stat-label { font-size:11px; color:var(--hk-blue); margin-top:4px; line-height:1.4; }
  .hk-cta { background:var(--hk-navy); border-radius:var(--radius-lg); padding:1.5rem; margin-top:2rem; display:flex; gap:14px; align-items:flex-start; }
  .hk-cta .hk-icon { font-size:32px; color:var(--hk-green); flex-shrink:0; margin-top:2px; }
  .hk-text .hk-label { font-size:11px; font-weight:500; text-transform:uppercase; letter-spacing:.12em; color:var(--hk-green); margin-bottom:6px; }
  .hk-text strong { font-family:'Lora',serif; font-size:18px; font-weight:600; color:#fff; display:block; margin-bottom:8px; }
  .hk-text strong span { color:var(--hk-green); }
  .hk-text p { font-size:14px; line-height:1.7; color:#b8cfe0; margin:0 0 12px; }
  .hk-link { display:inline-flex; align-items:center; gap:6px; font-size:14px; font-weight:500; color:var(--hk-navy); background:var(--hk-green); text-decoration:none; border-radius:var(--radius-md); padding:8px 16px; transition:opacity .15s; cursor:pointer; border:none; }
  .hk-link:hover { opacity:.88; }
  @media (max-width:480px) { .stat-row { grid-template-columns:1fr 1fr; } .stat-row .stat-card:last-child { grid-column:span 2; } }

  /* ── FOOTER ── */
  footer {
    background: var(--blue-900);
    color: rgba(255,255,255,.7);
    text-align: center;
    padding: 28px 32px;
    font-size: 14px;
  }
  footer strong { color: rgba(255,255,255,.8); }

  /* ── GLOBAL SAFARI / WEBKIT FIXES ── */
  html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
  button, .tab-btn, .txn-btn, .seg-btn { touch-action: manipulation; -webkit-tap-highlight-color: transparent; }
  input, select, textarea { -webkit-appearance: none; appearance: none; }
  .tab-bar { -webkit-overflow-scrolling: touch; }

  /* ── TABLET (≤ 900px) ── */
  @media (max-width: 900px) {
    .grid-3 { grid-template-columns: 1fr 1fr; }
    .grid-4 { grid-template-columns: 1fr 1fr; }
  }

  /* ── MOBILE (≤ 640px) ── */
  @media (max-width: 640px) {
    /* Header */
    .header-inner {
      flex-direction: column;
      align-items: center;
      justify-content: center;
      padding: 8px 16px;
      gap: 12px;
    }
    .logo-img { height: 48px; }
    .header-pills { flex-wrap: wrap; gap: 5px; justify-content: center; }
    .pill { font-size: 10px; padding: 4px 9px; }

    /* Main */
    main { padding: 14px 12px 56px; }

    /* Tab bar — scrollable, icon+text, 44px touch targets */
    .tab-bar {
      padding: 4px;
      gap: 0;
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
      scrollbar-width: none;
      border-radius: var(--radius-md);
    }
    .tab-bar::-webkit-scrollbar { display: none; }
    .tab-btn {
      min-width: 44px;
      padding: 8px 10px;
      font-size: 11px;
      flex: none;
      gap: 4px;
    }
    .tab-btn i { font-size: 15px; }
    .tab-btn span { font-size: 10px; }

    .card { padding: 14px 12px; position: relative; z-index: 1; }
    .card-title { font-size: 13px; }


    /* All grids collapse to 1 column */
    .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }

    /* Metric grids stay 2-col on mobile */
    .grid-2.metric-grid { grid-template-columns: 1fr 1fr !important; gap: 8px; }
    .grid-4.metric-grid { grid-template-columns: 1fr 1fr !important; gap: 8px; }

    /* Refi insight grid — 2×2 */
    .refi-insight-grid { grid-template-columns: 1fr 1fr !important; }
    .refi-kpi-value { font-size: 14px; }

    /* Summary donut grid — stack vertically */
    .summary-donut-grid { grid-template-columns: 1fr !important; gap: 20px !important; }

    /* Chart heights */
    .amort-chart-wrap { min-height: 200px; }

    /* Chart section headers — wrap cleanly */
    .amort-chart-header {
      flex-wrap: wrap;
      gap: 6px;
    }
    .amort-chart-kpis { flex-wrap: wrap; gap: 6px; }

    /* Field rows */
    .field-row { flex-wrap: wrap; gap: 4px; }
    .field-lbl { font-size: 12px; min-width: 0; flex: 1 1 auto; }
    .field-num { font-size: 16px !important; min-width: 80px; max-width: 120px; }
    .field-num.money-input { width: 130px; max-width: 140px; min-width: 130px; }
    .field-unit { font-size: 12px; }
    .field-sel { font-size: 16px !important; }

    /* CRITICAL: prevent iOS Safari zoom on focus */
    input[type="number"],
    input[type="text"],
    input[type="email"],
    input[type="tel"],
    select,
    textarea,
    .field-num,
    .field-sel { font-size: 16px !important; }

    /* Slider labels */
    .sl-row { gap: 6px; }
    .sl-lbl { font-size: 11px; }

    /* Total bar */
    .total-bar { padding: 10px 12px; font-size: 13px; }
    .tb-value { font-size: 18px; }

    /* Metric cards */
    .metric { padding: 10px 10px; }
    .m-label { font-size: 10px; }
    .m-value { font-size: 16px; }
    .m-sub { font-size: 10px; }

    /* Line rows in closing snapshot */
    .line-row { font-size: 12px; padding: 5px 0; }

    /* Fixer table */
    .fixer-table th, .fixer-table td { padding: 7px 8px; font-size: 12px; }

    /* Comps scatter chart */
  
    /* Guide page — comparison table horizontal scroll */
    #tab-guide .card > .guide-compare-row,
    #tab-guide .card > div:has(.guide-compare-row) {
      overflow-x: auto;
      -webkit-overflow-scrolling: touch;
    }
    .guide-compare-row { min-width: 420px; }
    #tab-guide .card { overflow-x: auto; -webkit-overflow-scrolling: touch; }

    /* Closing cost items */
    .cc-item-row { font-size: 12px; }

    /* Toggle (Purchase/Refi) */
    .txn-btn { padding: 6px 10px; font-size: 11px; }

    /* ROI table */
    .roi-table th, .roi-table td { padding: 7px 6px; font-size: 12px; }

    /* Footer */
    footer { padding: 18px 16px; font-size: 12px; }

    /* Summary page donut labels */
    .donut-legend-label { font-size: 11px; }
    .donut-legend-val { font-size: 12px; }

    /* Insight chip */
    .insight-chip { font-size: 11px; padding: 4px 10px; }
  }

  /* ── VERY SMALL PHONES (≤ 380px) ── */
  @media (max-width: 380px) {
    .header-inner { padding: 6px 10px; }
    .logo-img { height: 40px; }
    main { padding: 10px 8px 48px; }
    .card { padding: 12px 10px; }
    .tab-btn { padding: 7px 8px; }
    .tab-btn span { display: none; }
  }