:root{--bg-primary:#f8faf9;--bg-secondary:#fff;--bg-card:#f0f7f2;--bg-input:#fff;--border:#d4e8da;--border-light:#e5f0e8;--border-focus:#3d7c47;--text-primary:#1a3d22;--text-secondary:#4a6b52;--text-muted:#6b8e73;--accent-primary:#e85c26;--accent-green:#2d6a4f;--accent-blue:#2563eb;--accent-amber:#d97706;--accent-red:#dc2626;--accent-purple:#7c3aed;--shadow-sm:0 1px 2px rgba(26,61,34,.05);--shadow-md:0 4px 12px rgba(26,61,34,.08);--shadow-lg:0 8px 24px rgba(26,61,34,.12);--radius:16px;--radius-sm:12px;--radius-xs:8px}
    *{margin:0;padding:0;box-sizing:border-box}
    body{font-family:'DM Sans',-apple-system,sans-serif;background:var(--bg-primary);color:var(--text-primary);line-height:1.6;min-height:100vh;font-size:16px}
    
    /* Layout */
    .app{max-width:800px;margin:0 auto;padding:24px;min-height:100vh;display:flex;flex-direction:column}
    .screen{display:none;flex-direction:column;flex:1}
    .screen.active{display:flex}
    
    /* Header */
    .header{text-align:center;padding:32px 0 24px}
    .header h1{font-size:28px;font-weight:800;margin-bottom:8px;display:flex;align-items:center;justify-content:center;gap:12px}
    .header p{color:var(--text-secondary);font-size:16px}
    
    /* Progress */
    .progress{display:flex;justify-content:center;gap:8px;margin-bottom:32px}
    .progress-dot{width:12px;height:12px;border-radius:50%;background:var(--border);transition:.2s}
    .progress-dot.active{background:var(--accent-primary);transform:scale(1.2)}
    .progress-dot.done{background:var(--accent-green)}
    
    /* Cards */
    .card{background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:32px;margin-bottom:24px}
    .card-title{font-size:20px;font-weight:700;margin-bottom:8px}
    .card-subtitle{color:var(--text-secondary);font-size:14px;margin-bottom:24px}
    
    /* Choice Cards */
    .choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:24px}
    @media(max-width:600px){.choice-grid{grid-template-columns:1fr}}
    .choice-card{background:var(--bg-secondary);border:2px solid var(--border);border-radius:var(--radius);padding:32px 24px;text-align:center;cursor:pointer;transition:.2s}
    .choice-card:hover{border-color:var(--accent-primary);box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .choice-card .icon{font-size:48px;margin-bottom:16px}
    .choice-card h3{font-size:18px;font-weight:700;margin-bottom:8px}
    .choice-card p{color:var(--text-secondary);font-size:14px}
    
    /* Form */
    .form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
    @media(max-width:500px){.form-grid{grid-template-columns:1fr}}
    .form-grid.cols-3{grid-template-columns:1fr 1fr 1fr}
    @media(max-width:600px){.form-grid.cols-3{grid-template-columns:1fr 1fr}}
    .field{display:flex;flex-direction:column;gap:8px}
    .field.full{grid-column:1/-1}
    .field label{font-size:14px;font-weight:600;color:var(--text-secondary)}
    .field input,.field select{width:100%;padding:14px 16px;background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius-xs);color:var(--text-primary);font-family:'JetBrains Mono',monospace;font-size:16px;transition:.15s}
    .field input:focus,.field select:focus{outline:none;border-color:var(--border-focus);box-shadow:0 0 0 3px rgba(61,124,71,.15)}
    .field select{font-family:'DM Sans',sans-serif;cursor:pointer}
    .field .hint{font-size:12px;color:var(--text-muted)}
    .field .computed{font-size:13px;color:var(--accent-primary);font-weight:600;margin-top:2px}
    .input-prefix{position:relative}
    .input-prefix input{padding-left:28px}
    .input-prefix::before{content:var(--prefix,'$');position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'JetBrains Mono',monospace;font-size:14px}
    .input-suffix{position:relative}
    .input-suffix input{padding-right:36px}
    .input-suffix::after{content:attr(data-suffix);position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'JetBrains Mono',monospace;font-size:14px}
    
    /* Checkbox */
    .checkbox{display:flex;align-items:center;gap:12px;cursor:pointer}
    .checkbox input{width:20px;height:20px;accent-color:var(--accent-primary)}
    .checkbox span{font-size:15px;color:var(--text-secondary)}
    
    /* Buttons */
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 28px;border-radius:var(--radius-xs);font-family:'DM Sans',sans-serif;font-size:16px;font-weight:600;cursor:pointer;border:none;transition:.15s}
    .btn:active{transform:scale(.98)}
    .btn-primary{background:var(--accent-primary);color:#fff;box-shadow:0 4px 12px rgba(232,92,38,.3)}
    .btn-primary:hover{background:#d14f1c}
    .btn-secondary{background:var(--bg-card);color:var(--text-primary);border:1px solid var(--border)}
    .btn-secondary:hover{background:#e2f0e6}
    .btn-lg{padding:18px 36px;font-size:17px}
    .btn-block{width:100%}
    
    .btn-row{display:flex;gap:12px;margin-top:32px;padding-bottom:env(safe-area-inset-bottom,20px);margin-bottom:20px}
    .btn-row .btn{flex:1}

    /* 🏠 Home button on the scenario screens + the home screen's continue banner */
    .screen-topbar{display:flex;justify-content:flex-start;gap:8px;margin-bottom:12px}
    .btn-home{display:inline-flex;align-items:center;gap:6px;padding:8px 14px;border-radius:999px;background:var(--bg-card);border:1px solid var(--border);color:var(--text-secondary);font-family:'DM Sans',sans-serif;font-size:13px;font-weight:600;cursor:pointer;transition:.15s}
    .btn-home:hover{background:#e2f0e6}
    .btn-home:active{transform:scale(.98)}
    .resume-banner{display:block;width:100%;text-align:left;margin:0 0 20px;padding:16px 20px;background:linear-gradient(135deg,rgba(232,92,38,.08),rgba(232,92,38,.02));border:1px solid rgba(232,92,38,.25);border-radius:var(--radius-sm);cursor:pointer;font-family:'DM Sans',sans-serif;transition:.15s}
    .resume-banner:active{transform:scale(.99)}
    .resume-banner-title{display:block;font-size:15px;font-weight:700;color:var(--text-primary);margin-bottom:4px}
    .resume-banner-sub{display:block;font-size:13px;color:var(--text-muted)}

    /* Live pointing: presenter banner (builder), follower pill (client), shared glow */
    .live-banner{position:fixed;top:0;left:0;right:0;z-index:2000;display:flex;align-items:center;justify-content:center;gap:12px;padding:10px 16px;background:#b91c1c;color:#fff;font-size:14px;font-weight:600;box-shadow:0 2px 8px rgba(0,0,0,.25)}
    .live-banner button{background:#fff;color:#b91c1c;border:none;border-radius:999px;padding:6px 14px;font-weight:700;font-size:13px;cursor:pointer}
    .live-banner .live-watch{font-size:12px;font-weight:600;opacity:.75;white-space:nowrap}
    .live-banner .live-watch.on{opacity:1}
    body.live-presenting{padding-top:48px}
    .btn-home.live-on{background:#b91c1c;color:#fff;border-color:#b91c1c}
    .live-pill{position:fixed;bottom:14px;left:50%;transform:translateX(-50%);z-index:2000;background:#b91c1c;color:#fff;font-size:12px;font-weight:700;padding:6px 14px;border-radius:999px;box-shadow:0 4px 14px rgba(0,0,0,.3);pointer-events:none;white-space:nowrap;max-width:calc(100vw - 24px);overflow:hidden;text-overflow:ellipsis}
    .live-glow{outline:3px solid var(--accent-primary);outline-offset:2px;border-radius:8px;animation:livePulse 1.5s ease-in-out infinite}
    /* The ring sits outside the row for breathing room. Sub-drawers clip overflow (their
       collapse animation needs it), so while a ring is inside an OPEN sub-drawer the
       clipping is lifted; closed ones keep clipping so their contents stay hidden. */
    .ctc-toggle.open+.ctc-items.live-glow-host{overflow:visible}
    /* Table cells sit inside horizontal-scroll wrappers that clip an outside ring —
       their ring draws just inside the cell instead, hugging the number */
    td.live-glow,th.live-glow{outline-offset:-3px}
    @keyframes livePulse{0%,100%{outline-color:var(--accent-primary)}50%{outline-color:rgba(232,92,38,.35)}}
    
    /* Divider */
    .divider{height:1px;background:var(--border-light);margin:24px 0}
    
    /* Results */
    .result-hero{text-align:center;padding:32px;background:linear-gradient(135deg,rgba(232,92,38,.08),rgba(232,92,38,.02));border-radius:var(--radius-sm);margin-bottom:24px;border:1px solid rgba(232,92,38,.15)}
    .result-hero .label{font-size:13px;color:var(--text-muted);text-transform:uppercase;font-weight:600;letter-spacing:.5px}
    .result-hero .value{font-family:'JetBrains Mono',monospace;font-size:42px;font-weight:800;color:var(--accent-primary);margin:8px 0}
    .result-hero .sub{font-size:14px;color:var(--text-secondary)}
    
    .result-section{margin-bottom:24px}
    .result-section h4{font-size:14px;font-weight:700;color:var(--accent-primary);text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px;padding-left:12px;border-left:3px solid var(--accent-primary)}
    .result-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;font-size:15px}
    .result-row+.result-row{border-top:1px solid var(--border-light)}
    .result-row .label{color:var(--text-secondary)}
    .result-row .value{font-family:'JetBrains Mono',monospace;font-weight:600}
    .result-row.total{border-top:2px solid var(--border);padding-top:14px;margin-top:4px;font-weight:700}
    .result-row.total .value{font-size:18px;color:var(--accent-primary)}
    .result-row .value.green{color:var(--accent-green)}
    
    /* Scenario comparison */
    .scenarios-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
    .scenarios-header h3{font-size:18px;font-weight:700}
    .scenario-tabs{display:flex;gap:8px;margin-bottom:20px;overflow-x:auto;padding-bottom:4px}
    .scenario-tab{padding:10px 20px;background:var(--bg-card);border:1px solid var(--border);border-radius:20px;font-size:14px;font-weight:600;cursor:pointer;white-space:nowrap;transition:.15s}
    .scenario-tab.active{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .scenario-tab .close{margin-left:8px;opacity:.7}
    .scenario-tab .close:hover{opacity:1}
    .scenario-hidden-strip{background:var(--bg-card);border:1.5px dashed var(--border);border-radius:var(--radius-sm);padding:12px 16px;margin-bottom:12px;display:flex;align-items:center;gap:12px;opacity:.7}
    .scenario-hidden-strip .hidden-badge{background:#6b8e73;color:#fff;font-size:10px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:2px 8px;border-radius:20px;flex-shrink:0}
    .scenario-hidden-strip .hidden-name{font-size:14px;font-weight:600;color:var(--text-secondary);flex:1}
    .scenario-hidden-strip .hidden-actions{display:flex;gap:8px;flex-shrink:0}
    
    /* Compare table */
    .compare-table{width:100%;border-collapse:collapse;font-size:14px;margin-top:20px}
    .compare-table th,.compare-table td{padding:12px 16px;text-align:right;border-bottom:1px solid var(--border-light)}
    .compare-table th:first-child,.compare-table td:first-child{text-align:left}
    .compare-table th{font-size:12px;font-weight:700;color:var(--text-muted);text-transform:uppercase;background:var(--bg-card)}
    .compare-table td{font-family:'JetBrains Mono',monospace}
    .compare-table .winner{background:var(--accent-green);color:#fff;padding:2px 8px;border-radius:4px;font-size:10px;font-weight:700;margin-left:6px}
    
    /* Deep Comparison Tool */
    .deep-compare-card{background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border);padding:24px;margin-bottom:16px}
    .deep-compare-card h3{font-size:20px;font-weight:700;color:var(--accent-primary);margin-bottom:4px}
    .deep-compare-verdict{background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border);padding:24px;text-align:center}
    .deep-compare-verdict h3{font-size:20px;font-weight:700;color:var(--accent-primary);margin-bottom:12px}
    .deep-compare-slider-card{background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border);padding:24px}
    .deep-compare-net{text-align:center;padding:16px;background:var(--bg-card);border-radius:var(--radius-sm);border:1px solid var(--border-light);margin-bottom:16px}
    .deep-compare-net .net-label{font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:0.05em}
    .deep-compare-net .net-value{font-size:24px;font-weight:900;color:var(--accent-primary);margin-top:8px;min-height:62px}
    .dc-slider{width:100%;height:12px;border-radius:8px;appearance:none;-webkit-appearance:none;background:var(--border-light);cursor:pointer;outline:none}
    .dc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:36px;height:36px;border-radius:50%;background:var(--accent-primary);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2)}
    .dc-slider::-moz-range-thumb{width:36px;height:36px;border-radius:50%;background:var(--accent-primary);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2)}
    .dc-quick-btns{display:flex;justify-content:center;gap:8px;margin-top:12px}
    .dc-quick-btn{padding:6px 16px;font-size:12px;font-weight:700;border-radius:20px;background:var(--bg-card);border:2px solid var(--border-light);color:var(--text-muted);cursor:pointer;transition:.15s}
    .dc-quick-btn:hover{border-color:var(--accent-primary);background:var(--accent-primary);color:#fff}
    .dc-a2a-btn{display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:var(--radius-sm);border:2px solid var(--border-light);background:var(--bg-secondary);color:var(--text-muted);font-size:13px;font-weight:600;cursor:pointer;transition:.15s}
    .dc-a2a-btn:hover{border-color:var(--accent-primary)}
    .dc-a2a-btn.active{border-color:var(--accent-primary);background:var(--accent-primary);color:#fff}
    .dc-breakdown{margin-top:16px;padding-top:16px;border-top:1px solid var(--border-light)}
    .dc-breakdown-item{background:var(--bg-card);padding:12px;border-radius:var(--radius-sm);border:1px solid var(--border-light);margin-bottom:8px}
    .dc-breakdown-row{display:flex;justify-content:space-between;align-items:center}
    .dc-breakdown-sub{font-size:12px;color:var(--text-muted);padding-left:12px;border-left:2px solid var(--border-light);margin-top:8px}
    .dc-breakdown-sub .dc-breakdown-row{padding:2px 0}
    .dc-breakdown-total{background:var(--accent-primary);color:#fff;padding:12px;border-radius:var(--radius-sm)}
    .dc-breakdown-total .dc-breakdown-row{font-weight:700;font-size:16px}
    .dc-table{width:100%;border-collapse:collapse;font-size:14px}
    .dc-table th,.dc-table td{padding:12px 16px;border-bottom:1px solid var(--border-light)}
    .dc-table th{font-size:12px;font-weight:700;color:var(--text-muted);text-transform:uppercase;text-align:center;background:var(--bg-card)}
    .dc-table th:first-child{text-align:left}
    .dc-table td{text-align:center;font-family:'JetBrains Mono',monospace}
    .dc-table td:first-child{text-align:left;font-family:inherit;font-weight:500;color:var(--text-secondary)}
    .dc-table .row-highlight{background:var(--bg-card);font-weight:700}
    .dc-table .row-highlight td:first-child{color:var(--accent-primary)}
    .dc-table .section-header td{background:var(--accent-primary);color:#fff;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:8px 16px;border-bottom:none;font-family:inherit}
    .dc-table .section-header td:first-child{text-align:left}
    .dc-table .section-header td:not(:first-child){text-align:center}
    .dc-table .text-green{color:var(--accent-green)}
    .dc-table .text-red{color:var(--accent-red,#c44536)}
    .dc-table .text-a{color:var(--accent-primary);font-weight:700}
    .dc-table .text-b{color:var(--accent-amber);font-weight:700}
    .dc-a2a-row{background:rgba(212,162,71,.08)!important}
    .dc-a2a-row td{color:var(--accent-amber)!important;font-weight:600!important}
    /* Precision slider overlay */
    .dc-precision-overlay{position:fixed;inset:0;background:rgba(26,61,34,.45);z-index:1100;display:flex;align-items:flex-start;justify-content:center;padding:60px 16px 0;-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px)}
    .dc-precision-card{background:var(--bg-secondary);border-radius:16px;width:100%;max-width:420px;padding:20px 24px 24px;box-shadow:0 8px 40px rgba(0,0,0,.2);animation:dc-slide-down .25s ease;touch-action:manipulation}
    @keyframes dc-slide-down{from{opacity:0;transform:translateY(-30px)}to{opacity:1;transform:translateY(0)}}
    @keyframes dc-pulse-border{0%,100%{border-color:var(--accent-primary);box-shadow:0 0 0 0 rgba(34,139,34,0)}50%{border-color:var(--accent-amber);box-shadow:0 0 0 4px rgba(34,139,34,.15)}}
    @keyframes dc-slide-up{from{transform:translateY(100%);opacity:0}to{transform:translateY(0);opacity:1}}
    .dc-precision-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;font-size:14px;font-weight:700;color:var(--accent-primary)}
    .dc-precision-close{background:none;border:none;font-size:24px;color:var(--text-muted);cursor:pointer;padding:0 4px;line-height:1}
    .dc-precision-value{text-align:center;font-size:15px;font-weight:600;color:var(--text-secondary);margin-bottom:16px;display:flex;align-items:baseline;justify-content:center;gap:8px;flex-wrap:nowrap;white-space:nowrap}
    .dc-precision-value .dc-pv-month{font-size:32px;font-weight:900;color:var(--text-primary)}
    .dc-precision-range-labels{display:flex;justify-content:space-between;padding:0 2px;margin-bottom:4px;font-size:12px;font-weight:600;color:var(--text-muted);font-family:'JetBrains Mono',monospace}
    .dc-precision-slider{width:100%;height:14px;border-radius:10px;appearance:none;-webkit-appearance:none;background:linear-gradient(to right,var(--accent-primary),var(--accent-amber));cursor:pointer;outline:none}
    .dc-precision-slider::-webkit-slider-thumb{-webkit-appearance:none;width:36px;height:36px;border-radius:50%;background:#fff;cursor:pointer;border:4px solid var(--accent-primary);box-shadow:0 2px 10px rgba(0,0,0,.25)}
    .dc-precision-slider::-moz-range-thumb{width:36px;height:36px;border-radius:50%;background:#fff;cursor:pointer;border:4px solid var(--accent-primary);box-shadow:0 2px 10px rgba(0,0,0,.25)}
    .dc-precision-ticks{display:flex;justify-content:space-between;padding:6px 0 0;height:24px}
    .dc-precision-ticks span{width:1px;background:var(--border-light);display:block}
    .dc-precision-ticks span.major{width:2px;background:var(--text-muted);height:12px}
    .dc-precision-ticks span.minor{height:6px;opacity:.5}
    .dc-precision-nudge{display:flex;justify-content:center;gap:10px;margin-top:16px}
    .dc-nudge-btn{padding:10px 20px;border-radius:10px;border:2px solid var(--border-light);background:var(--bg-card);font-size:14px;font-weight:700;color:var(--text-secondary);cursor:pointer;transition:.15s;min-width:70px;touch-action:manipulation;-webkit-user-select:none;user-select:none}
    .dc-nudge-btn:active{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .dc-nudge-done{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary);min-width:90px}
    .dc-nudge-done:active{opacity:.8}
    @media(max-width:600px){
      .dc-table th,.dc-table td{padding:8px 6px;font-size:12px}
      .deep-compare-net .net-value{font-size:20px;min-height:52px}
    }
    
    /* Loan type badge */
    
    /* ===== REFINANCE ANALYSIS STYLES ===== */
    .refi-mode-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin-top:24px}
    @media(max-width:700px){.refi-mode-grid{grid-template-columns:1fr}}
    @media(max-width:600px){#screen-refi-results [style*="grid-template-columns:1fr 1fr"]{grid-template-columns:1fr !important}}
    .refi-mode-card{background:var(--bg-secondary);border:2px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center;cursor:pointer;transition:.2s;position:relative;overflow:hidden}
    .refi-mode-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;opacity:0;transition:.2s}
    .refi-mode-card:hover{border-color:var(--accent-primary);box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .refi-mode-card:hover::before{opacity:1}
    .refi-mode-card.basic::before{background:var(--accent-primary)}
    .refi-mode-card.advanced::before{background:var(--accent-green)}
    .refi-mode-card.compare::before{background:var(--accent-blue)}
    .refi-mode-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;font-size:24px}
    .refi-mode-icon.basic{background:rgba(232,92,38,.1);color:var(--accent-primary)}
    .refi-mode-icon.advanced{background:rgba(45,106,79,.1);color:var(--accent-green)}
    .refi-mode-icon.compare{background:rgba(37,99,235,.1);color:var(--accent-blue)}
    .refi-mode-card h3{font-size:16px;font-weight:700;margin-bottom:4px}
    .refi-mode-card p{font-size:13px;color:var(--text-secondary)}
    .refi-mode-card .mode-btn{display:block;width:100%;margin-top:12px;padding:10px;border-radius:var(--radius-xs);font-weight:700;font-size:14px;border:none;cursor:pointer;transition:.15s;color:#fff}
    .refi-mode-card.basic .mode-btn{background:var(--accent-primary)}
    .refi-mode-card.advanced .mode-btn{background:var(--accent-green)}
    .refi-mode-card.compare .mode-btn{background:var(--accent-blue)}
    .refi-stepper{display:flex;align-items:center;justify-content:center;gap:0;margin-bottom:24px}
    .refi-step{display:flex;align-items:center;gap:8px;color:var(--text-muted);font-size:13px;font-weight:600}
    .refi-step .num{width:28px;height:28px;border-radius:50%;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;flex-shrink:0;transition:.2s}
    .refi-step.active{color:var(--accent-primary)}
    .refi-step.active .num{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .refi-step.done{color:var(--accent-green)}
    .refi-step.done .num{background:var(--accent-green);color:#fff;border-color:var(--accent-green)}
    .refi-step-line{width:40px;height:2px;background:var(--border);margin:0 8px;transition:.2s}
    .refi-step-line.done{background:var(--accent-green)}
    @media(max-width:500px){.refi-step span.label{display:none}.refi-step-line{width:24px}}
    .refi-section{border:1px solid var(--border);border-radius:var(--radius-sm);overflow:hidden;margin-bottom:16px}
    .refi-section-header{background:var(--bg-card);padding:12px 16px;font-weight:700;font-size:14px;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:8px}
    .refi-section-body{padding:16px;background:var(--bg-secondary)}
    .refi-section-body .form-grid{gap:16px}
    .refi-collapsible-header{cursor:pointer;user-select:none}
    .refi-collapsible-header .chevron{transition:.2s;font-size:12px}
    .refi-collapsible-header.open .chevron{transform:rotate(90deg)}
    .refi-collapsible-body{max-height:0;overflow:hidden;transition:max-height .3s ease-out}
    .refi-collapsible-body.open{max-height:2000px}
    .refi-verdict{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center;margin-bottom:16px}
    .refi-verdict h3{font-size:18px;font-weight:800;margin-bottom:8px}
    .refi-verdict .summary{font-size:14px;color:var(--text-secondary);line-height:1.7}
    .refi-comp-table{width:100%;border-collapse:collapse;font-size:13px}
    .refi-comp-table th,.refi-comp-table td{padding:10px 12px;text-align:right;border-bottom:1px solid var(--border-light)}
    .refi-comp-table th:first-child,.refi-comp-table td:first-child{text-align:left}
    .refi-comp-table thead th{font-weight:700;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:var(--text-muted);background:var(--bg-card)}
    .refi-comp-table .total-row{font-weight:700;background:var(--bg-card)}
    .refi-comp-table .total-row td{border-top:2px solid var(--border)}
    .refi-comp-table .positive{color:var(--accent-green)}
    .refi-comp-table .negative{color:var(--accent-red)}
    .refi-slider-panel{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:20px;margin-bottom:16px}
    .refi-net-display{text-align:center;padding:16px;background:var(--bg-secondary);border-radius:var(--radius-sm);border:1px solid var(--border-light);margin-bottom:16px}
    .refi-net-display .net-label{font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em}
    .refi-net-display .net-value{font-size:28px;font-weight:900;margin-top:4px;font-family:'JetBrains Mono',monospace}
    .refi-slider input[type=range]{width:100%;accent-color:var(--accent-primary);cursor:pointer}
    .refi-quick-btns{display:flex;gap:6px;flex-wrap:wrap;margin-top:8px;justify-content:center}
    .refi-quick-btn{padding:4px 12px;border-radius:20px;border:1px solid var(--border);background:var(--bg-secondary);font-size:11px;font-weight:600;cursor:pointer;transition:.15s;color:var(--text-secondary)}
    .refi-quick-btn:hover,.refi-quick-btn.active{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .refi-breakdown{border:1px solid var(--border-light);border-radius:var(--radius-xs);overflow:hidden;margin-top:12px}
    .refi-breakdown-item{display:flex;justify-content:space-between;padding:8px 12px;font-size:13px;border-bottom:1px solid var(--border-light)}
    .refi-breakdown-item:last-child{border-bottom:none}
    .refi-breakdown-item .label{color:var(--text-secondary)}
    .refi-breakdown-item .value{font-family:'JetBrains Mono',monospace;font-weight:600}
    .refi-breakdown-total{display:flex;justify-content:space-between;padding:10px 12px;font-weight:700;background:var(--accent-primary);color:#fff;font-size:14px}
    .refi-metric-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
    @media(max-width:500px){.refi-metric-grid{grid-template-columns:1fr}}
    .refi-metric{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius-sm);padding:16px;text-align:center}
    .refi-metric .metric-label{font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em}
    .refi-metric .metric-value{font-family:'JetBrains Mono',monospace;font-size:22px;font-weight:800;margin-top:4px}
    .refi-metric .metric-sub{font-size:12px;color:var(--text-secondary);margin-top:2px}
    .refi-tab-row{display:flex;border:2px solid var(--border);border-radius:var(--radius-xs);overflow:hidden;margin-bottom:16px}
    .refi-tab{flex:1;padding:10px;text-align:center;font-size:13px;font-weight:700;cursor:pointer;background:var(--bg-card);color:var(--text-secondary);transition:.15s;border-right:1px solid var(--border)}
    .refi-tab:last-child{border-right:none}
    .refi-tab.active{background:var(--accent-primary);color:#fff}
    .refi-amort-table{width:100%;border-collapse:collapse;font-size:12px}
    .refi-amort-table th,.refi-amort-table td{padding:6px 8px;border-bottom:1px solid var(--border-light);text-align:right;font-family:'JetBrains Mono',monospace}
    .refi-amort-table th{font-family:'DM Sans',sans-serif;font-size:10px;font-weight:700;color:var(--text-muted);text-transform:uppercase;background:var(--bg-card);position:sticky;top:0}
    .refi-amort-table th:first-child,.refi-amort-table td:first-child{text-align:center}
    .refi-amort-table .be-row{background:rgba(232,92,38,.08);font-weight:700}
    .refi-amort-table .be-row td{color:var(--accent-primary)}
    .refi-info-modal{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:9999;display:flex;align-items:center;justify-content:center;padding:16px}
    .refi-info-modal .modal-card{background:var(--bg-secondary);border-radius:var(--radius);max-width:500px;width:100%;max-height:85vh;overflow-y:auto;padding:24px;box-shadow:var(--shadow-lg)}
    .refi-info-modal .modal-card h3{font-size:16px;font-weight:700;margin-bottom:12px}
    .refi-info-modal .modal-card p{font-size:13px;color:var(--text-secondary);margin-bottom:8px;line-height:1.6}
    .refi-basic-result{background:var(--bg-secondary);border:1px solid var(--border);border-radius:var(--radius);padding:24px;text-align:center;margin-bottom:16px}
    .refi-basic-result .big-rate{font-family:'JetBrains Mono',monospace;font-size:36px;font-weight:900;color:var(--accent-primary)}
    .refi-basic-result .rate-label{font-size:12px;color:var(--text-muted);text-transform:uppercase;font-weight:700;margin-top:4px}
    .green{color:var(--accent-green)}.red{color:var(--accent-red)}.orange{color:var(--accent-primary)}
    .font-mono{font-family:'JetBrains Mono',monospace}
    
    
    
    
    
    .loan-badge{display:inline-block;padding:4px 10px;border-radius:6px;font-size:12px;font-weight:700;color:#fff;text-transform:uppercase}
    .loan-badge.fha{background:var(--accent-purple)}
    .loan-badge.conventional{background:var(--accent-green)}
    .loan-badge.va{background:var(--accent-blue)}
    .loan-badge.usda{background:var(--accent-amber)}
    
    /* Toast */
    /* Info Icon */
    .info-icon{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;background:var(--bg-card);border:1px solid var(--border);color:var(--text-muted);font-size:12px;cursor:pointer;transition:.15s;font-style:normal}
    .info-icon:hover{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    
    /* Info Modal */
    .info-modal{position:fixed;inset:0;background:rgba(26,61,34,.5);z-index:1000;display:flex;align-items:center;justify-content:center;padding:24px;overflow-y:auto}
    .info-modal-content{background:var(--bg-secondary);border-radius:var(--radius);max-width:480px;width:100%;box-shadow:var(--shadow-lg);overflow-y:auto;max-height:90vh;margin:auto}
    .info-modal-header{display:flex;justify-content:space-between;align-items:center;padding:18px 24px;background:var(--bg-card);border-bottom:1px solid var(--border)}
    .info-modal-header h3{font-size:18px;font-weight:700}
    .info-modal-close{width:32px;height:32px;border-radius:50%;background:var(--bg-secondary);border:none;cursor:pointer;font-size:20px;color:var(--text-muted);display:flex;align-items:center;justify-content:center}
    .info-modal-close:hover{background:var(--accent-red);color:#fff}
    .info-modal-body{padding:24px}
    .info-modal-body p{margin-bottom:16px;color:var(--text-secondary);line-height:1.7}
    .info-modal-body code{background:var(--bg-card);padding:2px 6px;border-radius:4px;font-family:'JetBrains Mono',monospace;font-size:13px}
    
    /* Report Cards */
    .report-card{background:var(--bg-secondary);border-radius:var(--radius);border:1px solid var(--border);margin-bottom:12px;overflow:hidden;cursor:pointer;transition:.2s}
    .report-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .report-card-header{padding:20px 24px;border-left:5px solid var(--accent-primary)}
    .report-card-header.fha{border-left-color:var(--accent-purple)}
    .report-card-header.conventional{border-left-color:var(--accent-green)}
    .report-card-header.va{border-left-color:var(--accent-blue)}
    .report-card-header.usda{border-left-color:var(--accent-amber)}
    .report-card-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
    .report-card-title h4{font-size:18px;font-weight:700;display:flex;align-items:center;gap:8px}
    .btn-edit-name{background:none;border:none;cursor:pointer;font-size:14px;opacity:0.6;padding:2px}
    .btn-edit-name:hover{opacity:1}
    .report-card-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px 16px}
    @media(max-width:700px){.report-card-stats{display:flex;flex-direction:column;gap:0}}
    .report-stat{text-align:center}
    @media(max-width:700px){.report-stat{display:flex;justify-content:space-between;align-items:baseline;text-align:left;padding:8px 0}.report-stat+.report-stat{border-top:1px solid var(--border-light)}}
    .report-stat .label{font-size:11px;color:var(--text-muted);text-transform:uppercase;font-weight:600;margin-bottom:4px;white-space:nowrap}
    @media(max-width:700px){.report-stat .label{margin-bottom:0;font-size:11px;flex-shrink:0}}
    .report-stat .value{font-family:'JetBrains Mono',monospace;font-size:16px;font-weight:700;color:var(--text-primary)}
    @media(max-width:700px){.report-stat .value{text-align:right}}
    .report-stat .value.highlight{color:var(--accent-primary);font-size:18px}
    @media(max-width:700px){.report-stat .value.highlight{font-size:16px}}
    .report-card-details{display:none;padding:20px 24px;background:#fafafa;border-top:1px solid var(--border)}
    .report-card.expanded .report-card-details{display:block}
    .report-card-expand{text-align:center;padding:8px;color:var(--text-muted);font-size:13px;border-top:1px solid var(--border-light)}
    .report-card.expanded .report-card-expand{border-top:none}
    .report-card-expand span{transition:.2s}
    .report-card.expanded .report-card-expand span{transform:rotate(180deg);display:inline-block}
    .ctc-toggle{display:flex;justify-content:space-between;align-items:center;font-weight:600;cursor:pointer;padding:6px 0;border-radius:var(--radius-xs);user-select:none}
    .ctc-toggle:active{opacity:0.7}
    .ctc-toggle .ctc-arrow{font-size:10px;color:var(--text-muted);transition:transform .2s;margin-left:8px}
    .ctc-toggle.open .ctc-arrow{transform:rotate(180deg)}
    .ctc-items{max-height:0;overflow:hidden;transition:max-height .25s ease;padding-left:16px;font-size:13px}
    .ctc-toggle.open+.ctc-items{max-height:2000px}
    
    .toast-container{position:fixed;bottom:24px;right:24px;z-index:1000}
    .toast{background:var(--bg-secondary);border:1px solid var(--border);border-left:4px solid var(--accent-green);border-radius:var(--radius-sm);padding:16px 20px;box-shadow:var(--shadow-lg);font-size:14px;animation:slideIn .2s ease}
    @keyframes slideIn{from{transform:translateX(100%);opacity:0}to{transform:translateX(0);opacity:1}}
    
    /* Mobile Responsive */
    @media(max-width:600px){
      .app{padding:16px;padding-bottom:calc(20px + env(safe-area-inset-bottom,0px))}
      .header{padding:16px 0 16px}
      .header h1{font-size:22px;gap:8px}
      .header p{font-size:14px}
      .card{padding:20px;margin-bottom:12px}
      .card-title{font-size:18px;margin-bottom:8px}
      .card-subtitle{font-size:13px;margin-bottom:16px}
      .progress{margin-bottom:20px}
      .btn{padding:12px 20px;font-size:15px}
      .btn-lg{padding:14px 24px;font-size:16px}
      .btn-row{flex-direction:column;gap:10px;margin-top:24px;padding-bottom:20px}
      .btn-row .btn{width:100%}
      .field label{font-size:13px}
      .field input,.field select{padding:12px 14px;font-size:16px}
      .input-prefix input{padding-left:26px}
      .input-prefix::before{left:12px}
      .result-hero{padding:24px 16px}
      .result-hero .value{font-size:32px}
      .result-section h4{font-size:13px}
      .result-row{font-size:14px;padding:8px 0}
      .divider{margin:16px 0}
      .scenarios-header{flex-direction:column;align-items:flex-start;gap:12px}
      .scenarios-header > div{width:100%;display:flex;gap:8px}
      .scenarios-header > div .btn{flex:1}
      .compare-table{font-size:12px}
      .compare-table th,.compare-table td{padding:8px 6px}
      .report-card-header{padding:16px}
      .report-card-title{flex-direction:column;align-items:flex-start;gap:8px;margin-bottom:8px}
      .report-card-details{padding:16px}
      .info-modal{padding:16px}
      .info-modal-content{max-width:100%}
      .info-modal-header{padding:14px 16px}
      .info-modal-header h3{font-size:16px}
      .info-modal-body{padding:16px}
      .choice-card{padding:24px 16px}
      .choice-card .icon{font-size:36px;margin-bottom:12px}
      .choice-card h3{font-size:16px}
      .choice-card p{font-size:13px}
    }
    
    @media(max-width:400px){
      .app{padding:12px}
      .header h1{font-size:20px}
      .card{padding:16px}
      .result-hero .value{font-size:28px}
    }
    
    /* iOS Picker Trigger */
    .ios-picker-trigger{width:100%;padding:14px 16px;background:var(--bg-input);border:1px solid var(--border);border-radius:var(--radius-xs);font-family:'JetBrains Mono',monospace;font-size:16px;cursor:pointer;display:flex;justify-content:space-between;align-items:center}
    .ios-picker-trigger::after{content:'▼';font-size:10px;color:var(--text-muted)}
    
    /* Rate field: desktop vs mobile */
    .rate-desktop{display:block}
    .rate-mobile{display:none}
    @media(max-width:600px){
      .rate-desktop{display:none}
      .rate-mobile{display:flex}
    }
    
    /* iOS Picker Modal */
    .ios-picker-overlay{position:fixed;inset:0;background:rgba(0,0,0,.4);z-index:2000;opacity:0;pointer-events:none;transition:opacity .3s}
    .ios-picker-overlay.active{opacity:1;pointer-events:auto}
    .ios-picker-sheet{position:fixed;bottom:0;left:0;right:0;background:#d1d5db;transform:translateY(100%);transition:transform .3s cubic-bezier(.4,0,.2,1);z-index:2001;padding-bottom:env(safe-area-inset-bottom)}
    .ios-picker-overlay.active .ios-picker-sheet{transform:translateY(0)}
    .ios-picker-toolbar{display:flex;justify-content:space-between;align-items:center;padding:0 8px;height:44px;background:#f7f7f7;border-bottom:0.5px solid #b0b0b0}
    .ios-picker-btn{padding:8px 16px;font-size:17px;background:none;border:none;color:#007aff;cursor:pointer}
    .ios-picker-btn.done{font-weight:600}
    .ios-picker-wheel-container{height:270px;background:#fff;position:relative;overflow:hidden}
    .ios-picker-highlight{position:absolute;left:0;right:0;top:108px;height:54px;border-top:0.5px solid #c6c6c6;border-bottom:0.5px solid #c6c6c6;pointer-events:none}
    .ios-picker-wheel{position:absolute;left:0;right:0;top:108px;will-change:transform}
    .ios-picker-item{height:54px;display:flex;align-items:center;justify-content:center;font-size:23px;font-family:-apple-system,BlinkMacSystemFont,'Helvetica Neue',sans-serif;color:#000;user-select:none;-webkit-user-select:none;transition:transform 0.1s ease-out}
    .ios-picker-item.selected{transform:scale(1.25)}
    .ios-picker-fade-top,.ios-picker-fade-bottom{position:absolute;left:0;right:0;height:108px;pointer-events:none;z-index:1}
    .ios-picker-fade-top{top:0;background:linear-gradient(to bottom,rgba(255,255,255,.9),rgba(255,255,255,0))}
    .ios-picker-fade-bottom{bottom:0;background:linear-gradient(to top,rgba(255,255,255,.9),rgba(255,255,255,0))}

    /* ===== WHAT-IF MODAL ===== */
    .wi-btn{display:inline-flex;align-items:center;gap:5px;padding:5px 13px;border-radius:20px;background:var(--accent-primary);color:#fff;border:none;font-size:12px;font-weight:700;cursor:pointer;transition:.15s;white-space:nowrap;font-family:'DM Sans',sans-serif;letter-spacing:.02em;box-shadow:0 2px 6px rgba(232,92,38,.35)}
    .wi-btn:hover{background:#d14f1c;box-shadow:0 3px 8px rgba(232,92,38,.45)}
    .wi-btn:active{transform:scale(.97)}
    .wi-result-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;font-size:14px}
    .wi-result-row+.wi-result-row{border-top:1px solid var(--border-light)}
    .wi-result-row .wi-label{color:var(--text-secondary)}
    .wi-result-row .wi-val{font-family:'JetBrains Mono',monospace;font-weight:600}
    .wi-total-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0 8px;border-top:2px solid var(--border);margin-top:4px}

    /* ===== Inline down-payment warning ===== */
    .dp-warn{display:none;margin-top:8px}
    .dp-warn-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;background:rgba(220,38,38,.07);border:1px solid rgba(220,38,38,.28);border-radius:9px;padding:9px 11px;font-size:12.5px;line-height:1.45;color:var(--text-secondary)}
    .dp-warn-row+.dp-warn-row{margin-top:6px}
    .dp-warn-ico{flex-shrink:0;font-size:13px}
    .dp-warn-msg{flex:1;min-width:140px}
    .dp-warn-msg strong{color:var(--accent-red,#dc2626);font-weight:700}
    .dp-warn-fix{flex-shrink:0;background:var(--accent-red,#dc2626);color:#fff;border:none;border-radius:14px;padding:5px 12px;font-size:11.5px;font-weight:700;cursor:pointer;font-family:'DM Sans',sans-serif;white-space:nowrap}
    .dp-warn-fix:active{transform:scale(.96)}

    /* ===== Styled confirm dialog ===== */
    .cfm-overlay{position:fixed;inset:0;background:rgba(26,61,34,.45);z-index:1300;display:flex;align-items:center;justify-content:center;padding:24px 16px;-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px)}
    .cfm-card{background:var(--bg-secondary);border-radius:16px;width:100%;max-width:380px;padding:24px;box-shadow:0 12px 48px rgba(0,0,0,.25);animation:cfmPop .16s ease}
    @keyframes cfmPop{from{opacity:0;transform:scale(.94)}to{opacity:1;transform:scale(1)}}
    .cfm-title{font-size:17px;font-weight:800;color:var(--text-primary);margin-bottom:8px}
    .cfm-msg{font-size:14px;line-height:1.55;color:var(--text-secondary);margin-bottom:22px}
    .cfm-actions{display:flex;gap:10px}
    .cfm-btn{flex:1;padding:13px;font-size:14px;font-weight:700;border-radius:10px;cursor:pointer;font-family:'DM Sans',sans-serif;border:1px solid var(--border-light)}
    .cfm-btn-cancel{background:var(--bg-primary);color:var(--text-secondary)}
    .cfm-btn-confirm{border:none;color:#fff;background:var(--accent-primary)}
    .cfm-btn-confirm.danger{background:var(--accent-red,#dc2626)}
    .cfm-btn:focus-visible{outline:2px solid var(--accent-primary);outline-offset:2px}

    /* ===== Amortization & Payoff Explorer ===== */
    .amz-btn{display:inline-flex;align-items:center;gap:5px;padding:5px 13px;border-radius:20px;background:var(--bg-secondary);color:var(--accent-green);border:1.5px solid var(--accent-green);font-size:12px;font-weight:700;cursor:pointer;transition:.15s;white-space:nowrap;font-family:'DM Sans',sans-serif;letter-spacing:.02em}
    .amz-btn:hover{background:var(--accent-green);color:#fff}
    .amz-btn:active{transform:scale(.97)}
    .report-card-actions{display:flex;align-items:center;gap:8px;flex-wrap:wrap;justify-content:flex-end}
    .amz-content{max-width:680px}
    .amz-summary{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:18px}
    .amz-stat{background:var(--bg-card);border:1px solid var(--border-light);border-radius:12px;padding:13px 14px}
    .amz-stat.hero{grid-column:1 / -1;background:linear-gradient(135deg,rgba(45,106,79,.10),rgba(212,162,71,.06));border-color:rgba(45,106,79,.25)}
    .amz-stat .amz-stat-label{font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:5px;display:flex;align-items:center;gap:5px}
    .amz-stat .amz-stat-val{font-family:'JetBrains Mono',monospace;font-size:21px;font-weight:800;color:var(--text-primary);line-height:1.15}
    .amz-stat.hero .amz-stat-val{font-size:25px;color:var(--accent-green)}
    .amz-stat .amz-stat-sub{font-size:12px;color:var(--text-secondary);margin-top:3px}
    .amz-stat .amz-stat-val.save{color:var(--accent-green)}
    .amz-section-label{font-size:13px;font-weight:700;color:var(--accent-primary);text-transform:uppercase;letter-spacing:.04em;margin:18px 0 12px;padding-left:11px;border-left:3px solid var(--accent-primary)}
    .amz-ctrl{margin-bottom:16px}
    .amz-ctrl-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:7px}
    .amz-ctrl-head label{font-size:14px;font-weight:600;color:var(--text-secondary)}
    .amz-ctrl-head .amz-ctrl-val{font-family:'JetBrains Mono',monospace;font-size:15px;font-weight:700;color:var(--accent-primary)}
    .amz-slider{width:100%;height:10px;border-radius:8px;appearance:none;-webkit-appearance:none;background:var(--border-light);cursor:pointer;outline:none;margin:2px 0 6px}
    .amz-slider::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:var(--accent-primary);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2)}
    .amz-slider::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:var(--accent-primary);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.2)}
    .amz-chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}
    .amz-chip{padding:6px 12px;border-radius:16px;border:1px solid var(--border);background:var(--bg-secondary);font-size:12px;font-weight:600;color:var(--text-secondary);cursor:pointer;transition:.15s;font-family:'DM Sans',sans-serif}
    .amz-chip:hover{border-color:var(--accent-primary);color:var(--accent-primary)}
    .amz-chip.active{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .amz-row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
    .amz-inp{width:100%;padding:11px 12px 11px 26px;font-size:15px;font-weight:600;font-family:'JetBrains Mono',monospace;border:1.5px solid var(--border);border-radius:9px;background:var(--bg-input);color:var(--text-primary);outline:none;box-sizing:border-box}
    .amz-inp:focus{border-color:var(--accent-primary)}
    .amz-inp-wrap{position:relative}
    .amz-inp-wrap::before{content:var(--amz-prefix,'$');position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-family:'JetBrains Mono',monospace;font-size:13px}
    .amz-toggle{display:flex;align-items:center;justify-content:space-between;gap:10px;padding:12px 14px;background:var(--bg-card);border:1px solid var(--border-light);border-radius:10px;cursor:pointer}
    .amz-toggle .amz-toggle-txt{font-size:13px;font-weight:600;color:var(--text-primary)}
    .amz-toggle .amz-toggle-sub{font-size:11px;color:var(--text-muted);margin-top:2px}
    .amz-switch{position:relative;width:44px;height:25px;border-radius:13px;background:var(--border);transition:.2s;flex-shrink:0}
    .amz-switch.on{background:var(--accent-green)}
    .amz-switch::after{content:'';position:absolute;top:2.5px;left:2.5px;width:20px;height:20px;border-radius:50%;background:#fff;transition:.2s;box-shadow:0 1px 3px rgba(0,0,0,.25)}
    .amz-switch.on::after{transform:translateX(19px)}
    .amz-chart-wrap{position:relative;height:230px;margin:6px 0 4px}
    .amz-note{font-size:12px;color:var(--text-secondary);background:rgba(217,119,6,.07);border:1px solid rgba(217,119,6,.22);border-radius:9px;padding:10px 12px;line-height:1.55;margin-top:10px}
    .amz-note.pmi{background:rgba(45,106,79,.07);border-color:rgba(45,106,79,.22)}
    .amz-table-wrap{max-height:340px;overflow-y:auto;border:1px solid var(--border-light);border-radius:10px;margin-top:6px}
    table.amz-table{width:100%;border-collapse:collapse;font-size:12px}
    table.amz-table th{position:sticky;top:0;background:var(--bg-card);font-size:10px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.03em;padding:8px 6px;text-align:right;border-bottom:1px solid var(--border)}
    table.amz-table th:first-child{text-align:left}
    table.amz-table td{padding:7px 6px;text-align:right;font-family:'JetBrains Mono',monospace;border-bottom:1px solid var(--border-light);color:var(--text-secondary);white-space:nowrap}
    table.amz-table td:first-child{text-align:left;font-family:'DM Sans',sans-serif;font-weight:600;color:var(--text-primary)}
    table.amz-table tr.amz-yr-row{cursor:pointer}
    table.amz-table tr.amz-yr-row:hover td{background:rgba(45,106,79,.04)}
    table.amz-table tr.amz-mo-row td{background:var(--bg-primary);font-size:11px;color:var(--text-muted)}
    table.amz-table tr.amz-mo-row td:first-child{padding-left:18px;font-weight:400;color:var(--text-muted)}
    .amz-tbl-toggle{display:flex;gap:8px;margin:14px 0 4px}
    .amz-tbl-toggle button{flex:1;padding:9px;font-size:12px;font-weight:700;border-radius:8px;border:1px solid var(--border);background:var(--bg-secondary);color:var(--text-secondary);cursor:pointer}
    .amz-tbl-toggle button.active{background:var(--accent-primary);color:#fff;border-color:var(--accent-primary)}
    .amz-legend{display:flex;gap:16px;justify-content:center;margin-bottom:6px;font-size:12px;color:var(--text-secondary)}
    .amz-legend span{display:inline-flex;align-items:center;gap:6px}
    .amz-legend .swatch{width:16px;height:3px;border-radius:2px;display:inline-block}
    @media(max-width:600px){
      .amz-summary{grid-template-columns:1fr}
      .amz-stat.hero .amz-stat-val{font-size:22px}
      table.amz-table th,table.amz-table td{padding:6px 4px}
    }

/* ===== Chat (was a second inline style block) ===== */
    @media(max-width:500px){
    }

/* ===== Reports list (builder lookup modal) ===== */
.rl-toolbar{display:flex;gap:8px;margin-bottom:10px;flex-wrap:wrap}
.rl-toolbar input[type=text]{flex:1;min-width:150px;padding:10px 12px;border:1px solid var(--border);border-radius:8px;font-size:14px;font-family:'DM Sans',sans-serif;background:var(--bg-input);color:var(--text-primary)}
.rl-toolbar input[type=text]:focus{outline:none;border-color:var(--border-focus);box-shadow:0 0 0 3px rgba(61,124,71,.15)}
.rl-toolbar select{padding:10px 12px;border:1px solid var(--border);border-radius:8px;font-size:13px;font-family:'DM Sans',sans-serif;background:var(--bg-input);color:var(--text-primary);cursor:pointer}
.rl-list{max-height:52vh;overflow-y:auto;margin:0 -4px;padding:0 4px}
.rl-row{display:flex;flex-direction:column;gap:6px;padding:10px 12px;background:var(--bg-card);border:1px solid var(--border-light);border-radius:10px;margin-bottom:6px;cursor:pointer;transition:.15s}
.rl-row:hover{border-color:var(--accent-primary);background:var(--bg-secondary)}
.rl-row.archived{opacity:.7}
.rl-top{display:flex;justify-content:space-between;align-items:center;gap:8px}
.rl-name{font-weight:700;font-size:14px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;color:var(--text-primary)}
.rl-meta{font-size:11px;color:var(--text-muted);display:flex;flex-wrap:wrap;gap:3px 10px}
.rl-meta .id{font-family:'JetBrains Mono',monospace;color:var(--text-secondary)}
.rl-pill{font-size:10px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:2px 8px;border-radius:20px;white-space:nowrap;flex-shrink:0}
.rl-pill.live{background:rgba(45,106,79,.12);color:var(--accent-green)}
.rl-pill.soon{background:rgba(217,119,6,.14);color:var(--accent-amber)}
.rl-pill.expired{background:rgba(220,38,38,.1);color:var(--accent-red)}
.rl-pill.archived{background:rgba(107,142,115,.15);color:var(--text-muted)}
.rl-actions{display:flex;gap:6px;flex-wrap:wrap}
.rl-btn,.am-link-btn{background:var(--bg-secondary);border:1px solid var(--border-light);border-radius:6px;padding:5px 10px;font-size:11.5px;font-weight:600;color:var(--text-secondary);cursor:pointer;font-family:'DM Sans',sans-serif;white-space:nowrap}
.rl-btn:hover,.am-link-btn:hover{border-color:var(--accent-primary);color:var(--accent-primary)}
.rl-empty{text-align:center;padding:18px 8px;font-size:13px;color:var(--text-muted);line-height:1.6}
@media(max-width:600px){.rl-list{max-height:48vh}.rl-toolbar select{width:100%}}

/* Affordability Matrix (builder) — the table scrolls sideways inside its card on phones;
   the payment column stays pinned so every row keeps its label. */
.am-summary{font-size:13px;font-weight:600;color:var(--text-secondary);margin-bottom:12px}
.am-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--border-light);border-radius:8px}
.am-table{border-collapse:collapse;width:100%;font-size:13px}
.am-table th,.am-table td{padding:0;border-bottom:1px solid var(--border-light);text-align:center;white-space:nowrap}
.am-table thead th{font-size:12px;font-weight:700;color:var(--text-muted);background:var(--bg-card);padding:10px 8px;font-family:'JetBrains Mono',monospace}
.am-table thead th.am-corner{font-family:inherit;font-weight:600;font-size:11px;text-align:left}
.am-table tbody th{font-family:'JetBrains Mono',monospace;font-weight:700;color:var(--text-primary);background:var(--bg-card);padding:8px 10px;text-align:left}
.am-table th:first-child{position:sticky;left:0;z-index:1;border-right:1px solid var(--border-light)}
.am-table .am-center{background:rgba(26,61,34,.06)}
.am-table thead th.am-center{color:var(--accent-primary)}
.am-cell{display:block;width:100%;padding:8px;background:none;border:none;font-family:'JetBrains Mono',monospace;font-size:13px;color:var(--text-primary);cursor:pointer}
.am-cell:hover{background:rgba(26,61,34,.1);color:var(--accent-primary)}
.am-cell sup{color:var(--accent-amber);font-size:10px;margin-left:1px}
.am-none{display:block;padding:8px;color:var(--text-muted)}
.am-empty{padding:16px;font-size:13px;color:var(--text-muted);text-align:center}
.am-legend{margin-top:12px;font-size:12px;line-height:1.5;color:var(--text-muted)}
.am-legend p{margin-bottom:6px}
.am-modal-sub{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);margin:14px 0 4px}
.am-modal-note{margin-top:10px;font-size:12px;line-height:1.5;color:var(--text-secondary)}
@media print{
  .no-print,.toast-container{display:none!important}
  .am-table-wrap{overflow:visible;border:none}
  .am-table{font-size:11px}
  .am-table th:first-child{position:static}
  .am-cell,.am-none{padding:4px}
}

/* Realtor links for the Affordability Matrix */
.rl-pill.matrix{background:rgba(26,61,34,.1);color:var(--accent-primary)}
.rl-pill+.rl-pill{margin-left:4px}
.am-link-bar{padding:14px 16px}
.am-link-bar .hint{font-size:12px;color:var(--text-muted);line-height:1.5}
#am-link-none{display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px}
#am-link-loaded{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 12px}
.am-link-hdr{font-size:13px;color:var(--text-secondary)}
.am-link-hdr .id{font-family:'JetBrains Mono',monospace;font-size:11px;color:var(--text-muted);margin-left:4px}
.am-link-actions{display:flex;gap:6px;flex-wrap:wrap}
.am-locked-note{margin-top:12px;font-size:12px;line-height:1.5;color:var(--text-muted)}
.am-intro p{font-size:14px;line-height:1.6;color:var(--text-secondary);margin-bottom:10px}
.am-intro p:last-child{margin-bottom:0}
.am-adjust-title{font-size:16px;font-weight:700;margin-bottom:4px}
.am-adjust-hint{font-size:13px;color:var(--text-muted);line-height:1.5;margin-bottom:14px}

/* Mortgage News Daily rates */
.mnd-badge{display:block;font-size:11px;font-weight:500;color:var(--text-muted);margin-top:3px;line-height:1.4;text-transform:none;letter-spacing:0}
.mnd-badge.manual{color:var(--accent-amber)}
.mnd-badge.off{color:var(--accent-red,#c44536)}
.mnd-badge a{color:var(--accent-primary);text-decoration:underline}
.mnd-stale{color:var(--accent-amber)}
.mnd-card{text-align:center;padding:16px}
.mnd-card-title{font-size:14px;font-weight:700;margin-bottom:6px}
.mnd-card-foot{font-size:12px;color:var(--text-muted);margin:8px 0;line-height:1.6}
.mnd-iframe{border:1px solid #cecece;box-sizing:border-box;width:300px;max-width:100%;height:510px;display:block;margin:0 auto}
@media print{.mnd-card{display:none!important}}
.am-locked{display:none!important}
.am-fieldset{display:contents}
.am-mode{display:flex;gap:6px;margin-bottom:10px;flex-wrap:wrap}
.am-mode button{flex:1;min-width:140px;padding:8px 10px;border-radius:999px;border:1px solid var(--border);background:var(--bg-card);color:var(--text-secondary);font-family:'DM Sans',sans-serif;font-size:13px;font-weight:600;cursor:pointer}
.am-mode button.active{background:var(--accent-primary);border-color:var(--accent-primary);color:#fff}
@media print{.am-mode{display:none!important}}
/* Loan officer contact block (public matrix + realtor links) */
.am-contact{background:var(--bg-secondary);border:2px solid var(--accent-primary);border-radius:var(--radius);padding:14px 16px;margin:12px 0;text-align:center}
.am-contact-who{font-size:13px;color:var(--text-secondary);margin-bottom:8px}
.am-contact-cta{font-size:14px;font-weight:600;display:flex;flex-wrap:wrap;gap:8px;align-items:center;justify-content:center}
.am-contact .btn-sm{padding:8px 14px;font-size:13px;text-decoration:none}
.am-actions{flex-wrap:wrap}
@media print{.am-contact .btn{display:none}}
.am-offline{text-align:center;padding:60px 16px;color:var(--text-secondary)}
.am-offline h1{margin-bottom:10px}