:root{
    --bg-base:#10131a;
    --bg-panel:#171b24;
    --bg-panel-2:#1d222c;
    --bg-inset:#0c0e13;
    --border:#282e3a;
    --border-soft:#20242e;
    --text-primary:#ece9e2;
    --text-secondary:#9498a3;
    --text-faint:#5d6270;
    --gold:#d6a85c;
    --gold-soft:rgba(214,168,92,0.14);
    --teal:#5fc7b8;
    --teal-soft:rgba(95,199,184,0.14);
    --red:#c97066;
    --red-soft:rgba(201,112,102,0.14);
    --radius:14px;
    --radius-sm:8px;
    --font-display:'Fraunces', serif;
    --font-body:'Inter', sans-serif;
    --font-mono:'JetBrains Mono', monospace;
  }

  *{box-sizing:border-box;}
  html,body{margin:0;padding:0;}
  html{overflow-x:hidden; width:100%;}
  body{
    background:
      radial-gradient(1200px 600px at 15% -10%, rgba(214,168,92,0.06), transparent 60%),
      radial-gradient(1000px 500px at 100% 0%, rgba(95,199,184,0.05), transparent 55%),
      var(--bg-base);
    color:var(--text-primary);
    font-family:var(--font-body);
    -webkit-font-smoothing:antialiased;
    min-height:100vh;
    padding:0 0 80px;
    overflow-x:hidden;
    width:100%;
  }
  /* Flex/grid children default to min-width:auto, which refuses to shrink
     below their content's natural size — this is the #1 cause of a mobile
     page overflowing sideways even when every element is styled width:100%.
     Force them shrinkable everywhere we use flex/grid layouts. */
  .grid > *, .results-col > *, .field label > *, .unit-toggle > *,
  .row-actions > *, .chart-legend > *, .strategy-head > *, .hero-top > * {
    min-width:0;
  }
  input, select, button, textarea{max-width:100%;}
  img, svg{max-width:100%;}

  @media (prefers-reduced-motion: reduce){
    *{transition:none !important; animation:none !important;}
  }

  .wrap{max-width:1180px;margin:0 auto;padding:40px 20px 0;}

  /* ---------- Top nav ---------- */
  .topnav{
    position:sticky; top:0; z-index:60;
    background:rgba(23,27,36,0.92);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--border);
    padding:12px 0;
  }
  .topnav-inner{
    max-width:1180px;margin:0 auto;padding:0 20px;
    display:flex; align-items:center; gap:6px; flex-wrap:wrap;
  }
  @media (max-width:760px){
    .topnav-inner{
      flex-wrap:nowrap;
      overflow-x:auto;
      -webkit-overflow-scrolling:touch;
      scrollbar-width:none;
      -ms-overflow-style:none;
      mask-image:linear-gradient(to right, transparent 0, black 12px, black calc(100% - 12px), transparent 100%);
    }
    .topnav-inner::-webkit-scrollbar{display:none;}
    .brand{flex:none;}
    .nav-btn{flex:none; white-space:nowrap;}
  }
  .brand{
    font-family:var(--font-display);
    font-size:16px;
    color:var(--text-primary);
    margin-right:14px;
    white-space:nowrap;
  }
  .brand-mark{
    width:24px;
    height:24px;
    vertical-align:middle;
    margin-right:8px;
    position:relative;
    top:-2px;
  }
  .brand span{color:var(--gold);}
  .nav-btn{
    background:transparent;
    border:none;
    color:var(--text-secondary);
    font-family:var(--font-body);
    font-size:13px;
    font-weight:600;
    padding:8px 14px;
    border-radius:999px;
    cursor:pointer;
    transition:background .15s ease, color .15s ease;
  }
  .nav-btn.active{background:var(--gold-soft); color:var(--gold);}
  .nav-btn:hover:not(.active){color:var(--text-primary);}

  /* ---------- Header ---------- */
  header{margin-bottom:36px;}
  .eyebrow{
    font-family:var(--font-mono);
    font-size:12px;
    letter-spacing:0.14em;
    text-transform:uppercase;
    color:var(--gold);
    margin:0 0 10px;
  }
  h1{
    font-family:var(--font-display);
    font-weight:500;
    font-size:clamp(28px,4vw,40px);
    margin:0 0 10px;
    letter-spacing:-0.01em;
  }
  header p{
    color:var(--text-secondary);
    font-size:15px;
    max-width:640px;
    line-height:1.6;
    margin:0;
  }

  /* ---------- Layout ---------- */
  .grid{
    display:grid;
    grid-template-columns:minmax(0,380px) minmax(0,1fr);
    gap:22px;
    align-items:start;
  }
  @media (max-width:920px){
    .grid{grid-template-columns:minmax(0,1fr);}
  }

  .panel{
    background:var(--bg-panel);
    border:1px solid var(--border);
    border-radius:var(--radius);
    padding:24px;
  }

  .panel h2{
    font-family:var(--font-body);
    font-size:12px;
    font-weight:600;
    letter-spacing:0.08em;
    text-transform:uppercase;
    color:var(--text-secondary);
    margin:0 0 18px;
  }
  .badge{
    display:inline-block;
    margin-left:8px;
    padding:2px 8px;
    border-radius:999px;
    background:var(--bg-inset);
    border:1px solid var(--border);
    color:var(--text-faint);
    font-size:10px;
    font-weight:600;
    text-transform:none;
    letter-spacing:0;
    vertical-align:middle;
  }

  /* ---------- Inputs ---------- */
  .field{margin-bottom:18px;}
  .field label{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    font-size:13px;
    color:var(--text-secondary);
    margin-bottom:8px;
  }
  .field label .val{
    font-family:var(--font-mono);
    color:var(--text-primary);
    font-size:13px;
    font-weight:500;
  }
  .field-head-row{
    display:flex;
    justify-content:space-between;
    align-items:center;
    margin-bottom:10px;
  }
  .sub-label{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    font-size:12px;
    color:var(--text-faint);
    margin-bottom:8px;
  }
  .sub-label .val{
    font-family:var(--font-mono);
    color:var(--text-primary);
    font-size:12.5px;
    font-weight:500;
  }
  .unit-toggle{
    display:flex;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:999px;
    padding:2px;
    gap:2px;
    flex:none;
  }
  .unit-btn{
    border:none;
    background:transparent;
    color:var(--text-secondary);
    font-family:var(--font-body);
    font-size:11px;
    font-weight:600;
    padding:5px 10px;
    border-radius:999px;
    cursor:pointer;
    transition:background .15s ease, color .15s ease;
  }
  .unit-btn.active{background:var(--gold-soft); color:var(--gold);}
  .unit-btn:hover:not(.active){color:var(--text-primary);}
  input[type="number"]{
    width:100%;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:var(--radius-sm);
    color:var(--text-primary);
    font-family:var(--font-mono);
    font-size:14px;
    padding:10px 12px;
    outline:none;
    transition:border-color .15s ease;
  }
  input[type="number"]:focus-visible{border-color:var(--gold);}
  input[type="text"], input[type="email"], input[type="tel"]{
    width:100%;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:var(--radius-sm);
    color:var(--text-primary);
    font-family:var(--font-body);
    font-size:13.5px;
    padding:10px 12px;
    outline:none;
    transition:border-color .15s ease;
  }
  input[type="text"]:focus-visible, input[type="email"]:focus-visible, input[type="tel"]:focus-visible{border-color:var(--gold);}
  input.input-invalid{border-color:var(--red) !important;}
  input[type="checkbox"]{
    width:16px; height:16px; flex:none;
    accent-color:var(--gold);
    background:var(--bg-inset);
    border:1px solid var(--border);
    cursor:pointer;
  }
  input[type="date"], input[type="month"]{
    width:100%;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:var(--radius-sm);
    color:var(--text-primary);
    font-family:var(--font-mono);
    font-size:14px;
    padding:10px 12px;
    outline:none;
    transition:border-color .15s ease;
    color-scheme:dark;
  }
  input[type="date"]:focus-visible, input[type="month"]:focus-visible{border-color:var(--gold);}
  .custom-payment-row, .debt-row{
    display:grid;
    grid-template-columns:1fr 1fr auto;
    gap:8px;
    margin-bottom:10px;
    align-items:center;
  }
  .debt-row{grid-template-columns:1.3fr 1fr 0.8fr 1fr auto;}
  .custom-payment-row input[type="month"],
  .custom-payment-row input[type="number"],
  .debt-row input{
    padding:9px 10px;
    font-size:13px;
  }
  .remove-payment-btn{
    background:transparent;
    border:1px solid var(--border);
    color:var(--text-faint);
    border-radius:var(--radius-sm);
    width:36px;
    height:36px;
    flex:none;
    cursor:pointer;
    font-size:13px;
    line-height:1;
    transition:border-color .15s ease, color .15s ease;
  }
  .remove-payment-btn:hover{border-color:var(--red); color:var(--red);}
  .add-payment-btn{
    width:100%;
    background:transparent;
    border:1px dashed var(--border);
    color:var(--text-secondary);
    font-family:var(--font-body);
    font-size:12.5px;
    padding:9px;
    border-radius:var(--radius-sm);
    cursor:pointer;
    transition:border-color .15s ease, color .15s ease;
  }
  .add-payment-btn:hover{border-color:var(--gold); color:var(--gold);}
  .custom-total{
    font-size:11.5px;
    color:var(--text-faint);
    font-family:var(--font-mono);
    margin-top:2px;
    margin-bottom:10px;
  }
  select{
    width:100%;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:var(--radius-sm);
    color:var(--text-primary);
    font-family:var(--font-body);
    font-size:13.5px;
    padding:10px 34px 10px 12px;
    outline:none;
    appearance:none;
    -webkit-appearance:none;
    -moz-appearance:none;
    cursor:pointer;
    background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='10' height='6'><path d='M0 0l5 6 5-6z' fill='%239498a3'/></svg>");
    background-repeat:no-repeat;
    background-position:right 12px center;
    transition:border-color .15s ease;
  }
  select:focus-visible{border-color:var(--gold);}
  select option{background:var(--bg-panel); color:var(--text-primary);}
  .field-hint{
    font-size:11.5px;
    color:var(--text-faint);
    margin-top:7px;
    font-family:var(--font-mono);
  }
  .field-hint.warn{color:var(--red);}
  input[type="range"]{
    -webkit-appearance:none;
    appearance:none;
    width:100%;
    height:20px;
    background:transparent;
    margin-top:8px;
    cursor:pointer;
  }
  input[type="range"]:focus-visible{outline:none;}
  input[type="range"]::-webkit-slider-runnable-track{
    height:4px;
    background:var(--border);
    border-radius:2px;
  }
  input[type="range"]::-webkit-slider-thumb{
    -webkit-appearance:none;
    appearance:none;
    width:15px;
    height:15px;
    margin-top:-5.5px;
    border-radius:50%;
    background:var(--gold);
    border:2px solid var(--bg-inset);
    box-shadow:0 0 0 1px var(--gold);
  }
  input[type="range"]::-moz-range-track{
    height:4px;
    background:var(--border);
    border-radius:2px;
  }
  input[type="range"]::-moz-range-thumb{
    width:15px;
    height:15px;
    border-radius:50%;
    background:var(--gold);
    border:2px solid var(--bg-inset);
    box-shadow:0 0 0 1px var(--gold);
  }
  input[type="range"]:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 3px rgba(214,168,92,0.35);}
  input[type="range"]:focus-visible::-moz-range-thumb{box-shadow:0 0 0 3px rgba(214,168,92,0.35);}
  input::-webkit-outer-spin-button,
  input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}

  .divider{
    height:1px;
    background:var(--border-soft);
    margin:22px 0;
  }

  /* ---------- Strategy toggle rows ---------- */
  .strategy{
    border:1px solid var(--border-soft);
    border-radius:var(--radius-sm);
    padding:14px 14px 4px;
    margin-bottom:14px;
    background:var(--bg-panel-2);
  }
  .strategy.off{opacity:0.55;}
  .strategy-head{
    display:flex;
    align-items:center;
    justify-content:space-between;
    cursor:pointer;
    user-select:none;
  }
  .strategy-title{
    font-size:13.5px;
    font-weight:600;
    color:var(--text-primary);
  }
  .strategy-sub{
    font-size:11.5px;
    color:var(--text-faint);
    margin-top:2px;
  }
  .strategy-body{
    display:grid;
    grid-template-rows:0fr;
    transition:grid-template-rows .25s ease;
  }
  .strategy-body-inner{overflow:hidden; min-height:0; padding-top:14px; padding-bottom:2px;}
  .strategy:not(.off) .strategy-body{grid-template-rows:1fr;}

  /* toggle switch */
  .switch{
    position:relative;
    width:38px;
    height:21px;
    flex:none;
  }
  .switch input{position:absolute;opacity:0;width:100%;height:100%;margin:0;cursor:pointer;}
  .switch .track{
    position:absolute;inset:0;
    background:var(--bg-inset);
    border:1px solid var(--border);
    border-radius:999px;
    transition:background .15s ease, border-color .15s ease;
  }
  .switch .thumb{
    position:absolute;
    top:2px;left:2px;
    width:15px;height:15px;
    border-radius:50%;
    background:var(--text-faint);
    transition:transform .15s ease, background .15s ease;
  }
  .switch input:checked + .track{background:var(--gold-soft); border-color:var(--gold);}
  .switch input:checked + .track + .thumb{transform:translateX(17px); background:var(--gold);}
  .switch input:focus-visible + .track{outline:2px solid var(--gold); outline-offset:2px;}

  button.reset, a.reset{
    width:100%;
    background:transparent;
    border:1px solid var(--border);
    color:var(--text-secondary);
    font-family:var(--font-body);
    font-size:12.5px;
    padding:10px;
    border-radius:var(--radius-sm);
    cursor:pointer;
    margin-top:4px;
    transition:border-color .15s ease, color .15s ease;
  }
  button.reset:hover, a.reset:hover{border-color:var(--gold); color:var(--gold);}

  .cta-btn{
    display:block;
    width:100%;
    text-align:center;
    text-decoration:none;
    background:var(--gold-soft);
    border:1px solid var(--gold);
    color:var(--gold);
    font-family:var(--font-body);
    font-size:13px;
    font-weight:700;
    padding:12px;
    border-radius:var(--radius-sm);
    cursor:pointer;
    margin-top:4px;
    transition:background .15s ease;
  }
  .cta-btn:hover{background:rgba(214,168,92,0.24);}
  .cta-btn.disabled{
    background:transparent;
    border-color:var(--border);
    color:var(--text-faint);
    cursor:default;
    pointer-events:none;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:8px;
  }
  .cta-btn.disabled .badge{margin-left:0;}

  /* ---------- Lead capture modal ---------- */
  .modal-overlay{
    position:fixed; inset:0; background:rgba(8,10,14,0.72);
    display:none; align-items:center; justify-content:center;
    z-index:200; padding:20px;
  }
  .modal-overlay.show{display:flex;}
  .modal-card{
    background:var(--bg-panel); border:1px solid var(--border);
    border-radius:var(--radius); padding:28px; max-width:420px; width:100%;
    position:relative; box-shadow:0 20px 60px rgba(0,0,0,0.5);
  }
  .modal-close{
    position:absolute; top:12px; right:12px; background:transparent; border:none;
    color:var(--text-faint); font-size:15px; cursor:pointer; width:30px;height:30px;
    border-radius:50%; transition:background .15s ease, color .15s ease;
  }
  .modal-close:hover{ color:var(--text-primary); background:var(--bg-inset); }
  .modal-icon{ font-size:24px; margin-bottom:10px; }
  .modal-card h3{ font-family:var(--font-display); font-size:19px; font-weight:500; margin:0 0 6px; color:var(--text-primary); }
  .modal-sub{ font-size:13px; color:var(--text-secondary); margin:0 0 18px; line-height:1.5; }
  .field-optional{ font-size:10.5px; color:var(--text-faint); font-weight:400; text-transform:none; }
  .modal-consent{
    display:flex; gap:8px; align-items:flex-start; margin-top:14px;
    font-size:11.5px; color:var(--text-faint); line-height:1.5; cursor:pointer;
  }
  .modal-consent input{ margin-top:2px; flex:none; width:auto; }
  .modal-consent a{ color:var(--text-secondary); }
  .modal-consent a:hover{ color:var(--gold); }

  /* ---------- Results column ---------- */
  .results-col{display:flex;flex-direction:column;gap:22px;}

  .hero{
    background:linear-gradient(160deg, var(--bg-panel) 0%, var(--bg-panel-2) 100%);
    border:1px solid var(--border);
    border-radius:var(--radius);
    padding:28px 28px 24px;
  }
  .hero-top{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:24px;
  }
  @media (max-width:560px){ .hero-top{grid-template-columns:1fr;} }

  .stat-label{
    font-size:12px;
    letter-spacing:0.06em;
    text-transform:uppercase;
    color:var(--text-secondary);
    margin-bottom:8px;
  }
  .stat-number{
    font-family:var(--font-display);
    font-size:clamp(30px,4.2vw,44px);
    font-weight:500;
    line-height:1;
    letter-spacing:-0.01em;
  }
  .stat-number.gold{color:var(--gold); text-shadow:0 0 30px rgba(214,168,92,0.25);}
  .stat-number.teal{color:var(--teal); text-shadow:0 0 30px rgba(95,199,184,0.25);}
  .stat-foot{
    font-size:12.5px;
    color:var(--text-faint);
    margin-top:8px;
  }

  /* ---------- Timeline compression (signature element) ---------- */
  .timeline{margin-top:26px;}
  .timeline-row{margin-bottom:14px;}
  .timeline-label{
    display:flex;
    justify-content:space-between;
    font-size:12px;
    color:var(--text-secondary);
    margin-bottom:6px;
    font-family:var(--font-mono);
  }
  .timeline-track{
    position:relative;
    height:14px;
    background:var(--bg-inset);
    border-radius:999px;
    overflow:hidden;
    border:1px solid var(--border-soft);
  }
  .timeline-fill{
    position:absolute;
    top:0;left:0;bottom:0;
    border-radius:999px;
    transition:width .5s cubic-bezier(.4,0,.2,1);
  }
  .timeline-fill.base{background:linear-gradient(90deg,#7a4f45,var(--red)); width:100%;}
  .timeline-fill.strat{background:linear-gradient(90deg,#3f958a,var(--teal));}
  .timeline-saved-marker{
    position:absolute;
    top:-4px; bottom:-4px;
    width:2px;
    background:var(--gold);
    box-shadow:0 0 8px rgba(214,168,92,0.8);
  }
  .saved-callout{
    display:flex;
    align-items:center;
    gap:8px;
    margin-top:12px;
    font-size:12.5px;
    color:var(--gold);
  }
  .saved-callout .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);box-shadow:0 0 8px rgba(214,168,92,0.8);}

  /* ---------- Goal Seek celebratory result ---------- */
  .goal-result{
    display:none;
    align-items:flex-start;
    gap:14px;
    background:linear-gradient(135deg, rgba(214,168,92,0.16), rgba(95,199,184,0.08));
    border:1px solid var(--gold);
    border-radius:var(--radius);
    padding:18px 20px;
    margin-top:14px;
  }
  .goal-result.show{display:flex;}
  .goal-result.pop{animation:goalPop .45s cubic-bezier(.34,1.56,.64,1);}
  .goal-result .icon{
    flex:none;
    width:36px;height:36px;
    border-radius:50%;
    background:var(--gold-soft);
    border:1px solid var(--gold);
    color:var(--gold);
    display:flex;align-items:center;justify-content:center;
    font-size:17px;
    box-shadow:0 0 16px rgba(214,168,92,0.35);
  }
  .goal-result-text{flex:1;}
  .goal-result-title{
    font-family:var(--font-display);
    font-size:17px;
    font-weight:500;
    color:var(--gold);
    margin-bottom:6px;
  }
  .goal-result-detail{
    font-size:13px;
    color:var(--text-secondary);
    line-height:1.6;
  }
  .goal-result-compare{
    margin-top:12px;
    padding:12px 14px;
    background:var(--bg-inset);
    border:1px solid var(--border-soft);
    border-radius:var(--radius-sm);
    font-size:12.5px;
  }
  .goal-result-compare .row{
    display:flex;
    justify-content:space-between;
    padding:4px 0;
    color:var(--text-secondary);
  }
  .goal-result-compare .row.savings{
    color:var(--gold);
    font-weight:600;
    border-top:1px solid var(--border-soft);
    margin-top:4px;
    padding-top:8px;
  }
  .goal-result-compare .row span:last-child{font-family:var(--font-mono);}
  @keyframes goalPop{
    0%{ opacity:0; transform:translateY(8px) scale(.96); }
    60%{ opacity:1; transform:translateY(-2px) scale(1.01); }
    100%{ opacity:1; transform:translateY(0) scale(1); }
  }

  /* ---------- Comparison cards ---------- */
  .compare{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:16px;
  }
  @media (max-width:560px){ .compare{grid-template-columns:1fr;} }
  .cmp-card{
    background:var(--bg-panel);
    border:1px solid var(--border);
    border-radius:var(--radius);
    padding:22px;
  }
  .cmp-card.strategy-card{border-color:rgba(95,199,184,0.35);}
  .cmp-head{
    display:flex;
    align-items:center;
    justify-content:space-between;
    margin-bottom:16px;
  }
  .cmp-head h3{
    font-size:13px;
    font-weight:600;
    text-transform:uppercase;
    letter-spacing:0.06em;
    margin:0;
    color:var(--text-secondary);
  }
  .cmp-card.strategy-card .cmp-head h3{color:var(--teal);}
  .pill{
    font-family:var(--font-mono);
    font-size:10.5px;
    padding:3px 8px;
    border-radius:999px;
    background:var(--red-soft);
    color:var(--red);
  }
  .strategy-card .pill{background:var(--teal-soft); color:var(--teal);}
  .cmp-row{
    display:flex;
    justify-content:space-between;
    align-items:baseline;
    padding:9px 0;
    border-bottom:1px solid var(--border-soft);
    font-size:13.5px;
  }
  .cmp-row:last-child{border-bottom:none;}
  .cmp-row span:first-child{color:var(--text-secondary);}
  .cmp-row span:last-child{
    font-family:var(--font-mono);
    font-weight:500;
    color:var(--text-primary);
  }

  /* ---------- Chart ---------- */
  .chart-panel svg{width:100%;height:auto;display:block;}
  .chart-legend{
    display:flex;
    flex-wrap:wrap;
    gap:10px 20px;
    margin-bottom:16px;
    font-size:12.5px;
    color:var(--text-secondary);
  }
  .chart-legend .item{display:flex;align-items:center;gap:7px;}
  .chart-legend .swatch{width:10px;height:10px;border-radius:2px;}

  /* ---------- Table ---------- */
  .table-toggle{
    display:flex;
    align-items:center;
    justify-content:space-between;
    cursor:pointer;
    user-select:none;
  }
  .table-toggle .arrow{
    color:var(--text-secondary);
    transition:transform .2s ease;
    font-size:12px;
  }
  .table-toggle.open .arrow{transform:rotate(90deg);}
  .table-wrap{
    max-height:0;
    overflow:hidden;
    transition:max-height .3s ease;
  }
  .table-wrap.open{max-height:2000px;}
  .table-scroll{
    width:100%;
    overflow-x:auto;
    -webkit-overflow-scrolling:touch;
  }
  table{
    width:100%;
    min-width:480px;
    border-collapse:collapse;
    margin-top:18px;
    font-family:var(--font-mono);
    font-size:12.5px;
  }
  thead th{
    text-align:right;
    color:var(--text-faint);
    font-weight:500;
    text-transform:uppercase;
    font-size:10.5px;
    letter-spacing:0.05em;
    padding:8px 10px;
    border-bottom:1px solid var(--border);
    white-space:nowrap;
  }
  thead th:first-child, tbody td:first-child{text-align:left;}
  tbody td{
    text-align:right;
    padding:8px 10px;
    border-bottom:1px solid var(--border-soft);
    color:var(--text-secondary);
  }
  tbody tr:hover td{background:var(--bg-panel-2); color:var(--text-primary);}
  tbody td.extra{color:var(--teal);}

  /* ---------- Scenario comparison table ---------- */
  .scenario-table{min-width:520px;}
  .scenario-table .scenario-mode{font-family:var(--font-body);font-weight:600;color:var(--text-primary);font-size:13px;}
  .scenario-table .scenario-detail{font-family:var(--font-body);color:var(--text-faint);font-size:11.5px;margin-top:2px;line-height:1.4;}
  .scenario-remove-btn{
    background:transparent;border:1px solid var(--border);color:var(--text-faint);
    border-radius:var(--radius-sm); width:28px;height:28px; cursor:pointer; font-size:12px; line-height:1;
    transition:border-color .15s ease, color .15s ease;
  }
  .scenario-remove-btn:hover{border-color:var(--red); color:var(--red);}

  /* Scoped to .tab so this only hits the small per-tab disclaimer     */
  /* blurbs — NOT the site-wide <footer class="site-footer"> below,    */
  /* which is a sibling of .tab, not a descendant. A bare `footer{}`   */
  /* tag selector here was the actual root cause of the "narrow        */
  /* footer" issue this whole time: it matches ANY <footer> element,   */
  /* including the site-wide one, and since .site-footer never set    */
  /* its own max-width, this unrelated 760px cap just won by default  */
  /* — no amount of flex/block changes inside it could ever fix that. */
  .tab footer{
    margin-top:30px;
    font-size:12px;
    color:var(--text-faint);
    line-height:1.6;
    max-width:760px;
  }

  /* ---------- Site-wide legal footer ---------- */
  /* Deliberately plain block layout — no flex, no grid, no media       */
  /* queries. Every element here is a normal block box that simply     */
  /* takes 100% of its parent's width by default; there is no shrink/  */
  /* basis math left for the cascade to get wrong. .site-footer itself */
  /* has no width rule at all (a <footer> is block-level by default,   */
  /* so it already fills the body edge-to-edge); .site-footer-inner    */
  /* reuses .wrap to center a max-width column of content inside it,   */
  /* same as every other section on the page.                         */
  .site-footer{
    margin-top:60px;
    border-top:1px solid var(--border);
    background:var(--bg-panel);
  }
  .site-footer-inner{
    padding:28px 20px 32px !important;
  }
  .site-footer-disclaimer{
    font-size:12px;
    color:var(--text-faint);
    line-height:1.6;
    width:100%;
    max-width:none;
    margin:0 0 18px;
  }
  .site-footer-disclaimer a{color:var(--text-secondary);}
  .site-footer-meta{
    padding-top:14px;
    border-top:1px solid var(--border-soft);
    text-align:center;
  }
  .site-footer-links{
    display:flex; flex-wrap:wrap; align-items:center; justify-content:center; gap:8px;
    font-size:12.5px;
    margin-bottom:10px;
  }
  .site-footer-links a{color:var(--text-secondary); text-decoration:none;}
  .site-footer-links a:hover{color:var(--gold); text-decoration:underline;}
  .site-footer-links span{color:var(--text-faint);}
  .site-footer-copy{font-size:11.5px; color:var(--text-faint); margin:0;}

  /* ---------- Tabs ---------- */
  .tab{display:none;}
  .tab.active{display:block;}

  /* ---------- Mobile ---------- */
  @media (max-width:600px){
    .debt-row{grid-template-columns:1fr;}
    .debt-row .remove-payment-btn{width:100%;height:38px;}
    .custom-payment-row{grid-template-columns:1fr;}
    .custom-payment-row .remove-payment-btn{width:100%;height:38px;}
  }
  @media (max-width:480px){
    body{padding:0 0 60px;}
    .wrap{padding:24px 14px 0;}
    .topnav{padding:10px 0;}
    .topnav-inner{gap:4px;padding:0 14px;}
    .brand{font-size:14px;margin-right:6px;}
    .nav-btn{padding:7px 10px;font-size:12.5px;}
    .panel{padding:16px;}
    .hero{padding:20px 18px 18px;}
    .cmp-card{padding:16px;}
    .goal-result{padding:14px 16px;flex-direction:column;}
    .goal-result .icon{margin-bottom:2px;}
    table{font-size:11.5px;}
    thead th, tbody td{padding:7px 8px;}
  }


/* ---------- Multi-page nav/link anchors ---------- */
a.brand, a.nav-btn{text-decoration:none;}
a.nav-btn{display:inline-block;}
a.reset{text-decoration:none;display:inline-block;text-align:center;}

/* ---------- Hub landing page ---------- */
.hub-hero{padding:48px 0 8px;}
.hub-hero .eyebrow{font-family:var(--font-mono);font-size:12px;letter-spacing:0.12em;text-transform:uppercase;color:var(--gold);margin:0 0 12px;}
.hub-hero h1{font-family:var(--font-display);font-weight:500;font-size:clamp(28px,5vw,44px);letter-spacing:-0.01em;margin:0 0 14px;}
.hub-sub{color:var(--text-secondary);font-size:16px;line-height:1.7;max-width:700px;margin:0;}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin:34px 0;}
.hub-card{display:block;background:var(--bg-panel);border:1px solid var(--border);border-radius:var(--radius);padding:22px;text-decoration:none;transition:border-color .15s ease, transform .15s ease;}
.hub-card:hover{border-color:var(--gold);transform:translateY(-2px);}
.hub-card h2{font-family:var(--font-display);color:var(--text-primary);font-size:19px;font-weight:500;margin:0 0 8px;}
.hub-card p{color:var(--text-secondary);font-size:14px;line-height:1.6;margin:0 0 14px;}
.hub-card-cta{color:var(--gold);font-size:13px;font-weight:600;}
.hub-about{margin:44px 0;color:var(--text-secondary);font-size:15px;line-height:1.8;max-width:none;}
.hub-about h2{font-family:var(--font-display);color:var(--gold);font-weight:500;font-size:22px;margin:0 0 12px;}
.hub-about a{color:var(--teal);}


  /* ---------- Legal / static content pages ---------- */
  .legal-wrap{max-width:none;}
  .legal-wrap h1{font-family:var(--font-display); font-size:clamp(26px,5vw,34px); margin:0 0 6px; font-weight:500; letter-spacing:-0.01em;}
  .legal-wrap .updated{color:var(--text-faint); font-size:13px; margin:0 0 30px;}
  .legal-wrap h2{font-family:var(--font-display); font-size:19px; color:var(--gold); margin:34px 0 10px; font-weight:500;}
  .legal-wrap p, .legal-wrap li{color:var(--text-secondary); font-size:15px; line-height:1.75;}
  .legal-wrap ul, .legal-wrap ol{padding-left:20px; margin:10px 0;}
  .legal-wrap li{margin-bottom:6px;}
  .legal-wrap a{color:var(--teal);}
  .legal-wrap strong{color:var(--text-primary);}
  .legal-wrap .callout{background:var(--bg-panel); border:1px solid var(--border); border-radius:var(--radius); padding:16px 20px; margin:22px 0; font-size:14px; color:var(--text-secondary);}
  .legal-wrap .callout strong{color:var(--gold);}
  .legal-wrap .headline-box{background:var(--red-soft); border:1px solid var(--red); border-radius:var(--radius); padding:18px 22px; margin:22px 0 30px; font-size:15.5px; color:var(--text-primary); font-weight:500; line-height:1.6;}