/* ── HFG BRAND TOKENS (builder site) ── */
:root{
  --hfg-blue:#0f4369; --hfg-blue-dark:#0a3251; --hfg-blue-deep:#072438; --hfg-blue-light:#2e6a90;
  --hfg-teal:#499fbe; --hfg-teal-dark:#2f7c9b; --hfg-teal-light:#7ab7d0; --hfg-teal-pale:#d8e9f1;
  --hfg-lime:#d5e03f; --hfg-lime-bright:#dfe66c; --hfg-lime-deep:#bcc830;
  --cream:#faf8f3; --paper:#f7f4ec;
  --sans:'Dunbar Text','Outfit',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --mono:'Geist Mono','SF Mono',ui-monospace,monospace;
  --serif:'Instrument Serif','Georgia',serif;

  /* legacy aliases remapped to the builder palette so existing markup re-skins automatically */
  --navy:#0f4369; --navy-light:#2e6a90; --navy-dark:#072438;
  --gold:#499fbe; --gold-light:#7ab7d0; --gold-pale:#d8e9f1;          /* old "gold" accents → HFG teal */
  /* HFG palette has no green — positive/savings values use brand teal */
  --red:#c0392b; --red-pale:#fdf0ee;
  --white:#ffffff; --off-white:#f4f6f9;
  --gray:#8a96a3; --gray-light:#e8ecf0; --text:#1a2a3a;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:var(--sans);background:var(--paper);color:var(--text);min-height:100vh;line-height:1.5;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}
img{display:block;max-width:100%;}
a{color:inherit;text-decoration:none;}

/* ── SHARED NAV (builder style) ── */
.site-nav{position:sticky;top:0;z-index:100;background:rgba(247,244,236,.92);-webkit-backdrop-filter:saturate(180%) blur(10px);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid rgba(7,36,56,.07);}
.nav-inner{max-width:1180px;margin:0 auto;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;gap:20px;}
.nav-logo-img{height:46px;width:auto;}
.nav-logo-link{display:flex;align-items:center;line-height:0;}
.nav-context{text-align:right;}
.nav-context .eyebrow{justify-content:flex-end;}
.nav-context .nc-title{font-size:13px;font-weight:700;color:var(--hfg-blue-deep);margin-top:3px;letter-spacing:-.1px;}

/* ── EYEBROW ── */
.eyebrow{font-family:var(--mono);font-size:11px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--hfg-teal);display:inline-flex;align-items:center;gap:9px;}
.eyebrow .dot{width:7px;height:7px;flex:0 0 7px;border-radius:50%;background:var(--hfg-lime-deep);box-shadow:0 0 0 4px rgba(184,196,58,.2);}

/* ══════════ PAGE 1 — INPUTS ══════════ */
#pg1{display:block;}
.pg1-hero{background:linear-gradient(135deg,var(--hfg-blue-deep) 0%,var(--hfg-blue) 70%,var(--hfg-blue-light) 100%);padding:48px 32px;position:relative;overflow:hidden;}
.pg1-hero::before{content:'';position:absolute;top:-160px;right:-120px;width:480px;height:480px;border-radius:50%;background:var(--hfg-lime);opacity:.06;}
.pg1-hero::after{content:'';position:absolute;bottom:-120px;left:-80px;width:320px;height:320px;border-radius:50%;background:var(--hfg-teal);opacity:.08;}
.pg1-hero-inner{position:relative;z-index:1;max-width:1000px;margin:0 auto;}
.pg1-eyebrow{font-family:var(--mono);font-size:11px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--hfg-lime);margin-bottom:14px;}
.pg1-title{font-family:var(--sans);font-size:46px;font-weight:800;color:#fff;letter-spacing:-1.6px;line-height:.98;}
.pg1-title span{color:var(--hfg-lime);}
.pg1-sub{font-size:15px;color:rgba(255,255,255,.62);margin-top:14px;max-width:620px;font-weight:500;}
.pg1-tut-btn{display:inline-flex;align-items:center;gap:8px;margin-top:18px;background:var(--hfg-lime);color:var(--hfg-blue-deep);font-weight:700;font-size:13px;padding:10px 18px;border-radius:999px;text-decoration:none;box-shadow:0 6px 18px rgba(213,224,63,.2);transition:transform .12s;}
.pg1-tut-btn:hover{transform:translateY(-1px);}
.pg1-divider{display:none;}

.pg1-body{max-width:1000px;margin:0 auto;padding:36px 24px 72px;}

/* Form cards */
.fcard{background:var(--white);border-radius:20px;overflow:hidden;margin-bottom:18px;border:1px solid var(--gray-light);box-shadow:0 4px 18px rgba(7,36,56,.05);}
.fcard-accent{height:4px;background:linear-gradient(90deg,var(--hfg-teal) 0%,var(--hfg-lime) 100%);}
.fcard-body{padding:24px 26px;}
.fcard-title{font-family:var(--mono);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.6px;color:var(--hfg-teal);margin-bottom:18px;}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;}
.fgrid-3{grid-template-columns:repeat(3,1fr);}
.fgrid-4{grid-template-columns:repeat(4,1fr);}
.inp-f{display:flex;flex-direction:column;gap:5px;}
.inp-f label{font-family:var(--mono);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--gray);}
.inp-wrap{position:relative;}
.inp-pre,.inp-suf{position:absolute;top:50%;transform:translateY(-50%);font-size:12px;color:#aab4be;font-weight:700;pointer-events:none;}
.inp-pre{left:11px;}.inp-suf{right:11px;}
.inp-f input,.inp-f select{width:100%;padding:11px 12px;font-size:15px;font-weight:600;color:var(--text);background:var(--cream);border:1.5px solid var(--gray-light);border-radius:11px;outline:none;font-family:inherit;-webkit-appearance:none;transition:border-color .15s,background .15s,box-shadow .15s;}
.inp-f input:focus,.inp-f select:focus{border-color:var(--hfg-teal);background:var(--white);box-shadow:0 0 0 3px rgba(73,159,190,.13);}
.has-pre input{padding-left:23px;}.has-suf input{padding-right:30px;}
.inp-hint{font-size:10px;color:var(--gray);margin-top:1px;}
.inp-auto-wrap{position:relative;}
.inp-auto-wrap input{padding-right:54px;}
.auto-badge{position:absolute;right:10px;top:50%;transform:translateY(-50%);font-family:var(--mono);font-size:9px;font-weight:700;background:rgba(73,159,190,.12);color:var(--hfg-teal-dark);padding:3px 8px;border-radius:10px;letter-spacing:.4px;text-transform:uppercase;pointer-events:none;}
.auto-badge.edited{background:rgba(213,224,63,.28);color:#6f7717;}

/* Future rates grid */
.fg-table{width:100%;border-collapse:collapse;border:1px solid var(--gray-light);border-radius:12px;overflow:hidden;margin-top:4px;}
.fg-table th{background:var(--hfg-blue-deep);color:#fff;font-family:var(--mono);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;padding:10px 14px;text-align:left;}
.fg-table td{padding:8px 14px;border-top:1px solid var(--gray-light);font-size:13px;background:var(--white);}
.fg-table td:first-child{background:var(--cream);font-weight:700;color:var(--hfg-blue);font-size:12px;}
.fg-table td input{width:90px;padding:6px 9px;font-size:13px;font-weight:600;color:var(--text);background:var(--cream);border:1.5px solid var(--gray-light);border-radius:8px;outline:none;font-family:inherit;}
.fg-table td input:focus{border-color:var(--hfg-teal);background:var(--white);}
.fg-unit{font-size:11px;color:var(--gray);margin-left:3px;}
.fg-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;}
.fg-scroll .fg-table{min-width:430px;}

/* MI */
.mi-note{font-size:11px;color:var(--gray);background:var(--cream);border-radius:10px;padding:10px 13px;margin-bottom:14px;line-height:1.5;border-left:3px solid var(--hfg-lime);}
.chk-row{display:flex;align-items:center;gap:8px;margin-top:10px;}
.chk-row input[type=checkbox]{width:16px;height:16px;accent-color:var(--hfg-blue);cursor:pointer;}
.chk-row label{font-size:12px;font-weight:600;color:var(--text);cursor:pointer;}

/* Submit */
.submit-wrap{text-align:center;margin-top:34px;}
.btn-submit{display:inline-flex;align-items:center;gap:10px;background:var(--hfg-blue);color:#fff;border:none;border-radius:999px;padding:17px 46px;font-size:16px;font-weight:700;font-family:inherit;cursor:pointer;box-shadow:0 10px 28px rgba(15,67,105,.32);transition:background .15s,transform .12s;letter-spacing:.2px;}
.btn-submit:hover{background:var(--hfg-blue-deep);transform:translateY(-2px);}
.btn-submit:active{transform:translateY(0);}
.btn-submit .arrow{font-size:18px;}
.req{color:var(--red);font-weight:700;}
.auto-lic{color:var(--hfg-teal-dark);font-size:9px;font-weight:700;letter-spacing:.5px;}
.inp-f input.field-error,.inp-f select.field-error{border-color:var(--red)!important;background:var(--red-pale)!important;}
.lo-error{background:var(--red-pale);color:var(--red);border:1px solid rgba(192,57,43,.3);border-radius:10px;padding:11px 16px;font-size:13px;font-weight:600;margin-bottom:16px;max-width:560px;margin-left:auto;margin-right:auto;}

/* ══════════ PAGE 2 — REPORT ══════════ */
#pg2{display:none;}
.pg2-bar{max-width:1000px;margin:0 auto;padding:22px 22px 14px;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}
.pg2-bar h2{font-size:16px;font-weight:800;color:var(--hfg-blue-deep);letter-spacing:-.2px;}
.pg2-bar p{font-size:11px;color:var(--gray);margin-top:2px;}
.btn-back{display:flex;align-items:center;gap:6px;background:transparent;color:var(--hfg-blue);border:1.5px solid var(--hfg-blue);border-radius:999px;padding:9px 18px;font-size:13px;font-weight:700;font-family:inherit;cursor:pointer;transition:background .15s,color .15s;}
.btn-back:hover{background:var(--hfg-blue);color:#fff;}
.btn-print{display:flex;align-items:center;gap:7px;background:var(--hfg-blue);color:#fff;border:none;border-radius:999px;padding:10px 20px;font-size:13px;font-weight:700;font-family:inherit;cursor:pointer;box-shadow:0 6px 18px rgba(15,67,105,.28);transition:background .15s;}
.btn-print:hover{background:var(--hfg-blue-deep);}

/* Report shell */
.report{max-width:1000px;margin:0 auto 48px;background:var(--white);border-radius:24px;box-shadow:0 8px 40px rgba(7,36,56,.12);overflow:hidden;}

/* Logo chip — color logo on dark panels */
.logo-chip{display:inline-flex;align-items:center;justify-content:center;background:#fff;border-radius:12px;padding:9px 14px;}
.logo-chip{flex-shrink:0;}
.logo-chip img{height:30px;width:auto;max-width:none;}
.logo-chip.sm{padding:7px 11px;border-radius:10px;}
.logo-chip.sm img{height:22px;}

/* Report header */
.rpt-head{background:linear-gradient(135deg,var(--hfg-blue-deep) 0%,var(--hfg-blue) 68%,var(--hfg-blue-light) 100%);padding:28px 36px;display:flex;align-items:center;justify-content:space-between;gap:16px;position:relative;overflow:hidden;}
.rpt-head::before{content:'';position:absolute;top:-120px;right:-100px;width:380px;height:380px;border-radius:50%;background:var(--hfg-lime);opacity:.06;}
.rpt-head-logo{position:relative;z-index:1;}
.rpt-head-right{text-align:right;position:relative;z-index:1;}
.rpt-eyebrow{font-family:var(--mono);font-size:10px;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;color:var(--hfg-lime);margin-bottom:6px;}
.rpt-title{font-family:var(--sans);font-size:26px;font-weight:800;color:#fff;letter-spacing:-.8px;line-height:1.05;}
.rpt-title span{color:var(--hfg-lime);}
.rpt-sub{font-size:11px;color:rgba(255,255,255,.55);margin-top:5px;}

/* Agent strip */
.rpt-agent{display:flex;align-items:center;gap:15px;padding:17px 36px;background:var(--cream);border-bottom:1px solid var(--gray-light);}
.agent-icon{display:flex;align-items:center;flex-shrink:0;}
.agent-badge{width:44px;height:44px;border-radius:50%;background:var(--hfg-lime);color:var(--hfg-blue-deep);display:flex;align-items:center;justify-content:center;font-family:var(--sans);font-size:16px;font-weight:800;letter-spacing:.5px;}
.agent-photo{width:44px;height:44px;border-radius:50%;object-fit:cover;display:block;}
.agent-name{font-size:15px;font-weight:800;color:var(--hfg-blue-deep);letter-spacing:-.2px;}
.agent-info{font-size:11px;color:var(--gray);margin-top:2px;line-height:1.5;}
.agent-info a{color:var(--hfg-teal-dark);text-decoration:none;font-weight:600;}

/* Client row */
.rpt-client{display:flex;align-items:center;justify-content:space-between;padding:14px 36px;border-bottom:1px solid var(--gray-light);flex-wrap:wrap;gap:12px;}
.rpt-cl label{font-family:var(--mono);font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--gray);}
.rpt-cl .val{font-size:14px;font-weight:700;color:var(--hfg-blue-deep);margin-top:3px;}
.rpt-pill{background:var(--hfg-lime);color:var(--hfg-blue-deep);font-family:var(--mono);font-size:10px;font-weight:700;padding:7px 16px;border-radius:999px;letter-spacing:.6px;text-transform:uppercase;}

/* ── HERO "WHY NOW" ── */
.hero{background:linear-gradient(135deg,var(--hfg-blue-deep) 0%,var(--hfg-blue) 100%);padding:34px 36px;position:relative;overflow:hidden;}
.hero::after{content:'';position:absolute;top:-100px;right:-100px;width:340px;height:340px;border-radius:50%;background:var(--hfg-lime);opacity:.05;}
.hero-eyebrow{font-family:var(--mono);font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--hfg-lime);margin-bottom:8px;position:relative;z-index:1;}
.hero-title{font-family:var(--sans);font-size:24px;font-weight:800;color:#fff;margin-bottom:5px;letter-spacing:-.6px;position:relative;z-index:1;}
.hero-sub{font-size:12px;color:rgba(255,255,255,.55);margin-bottom:24px;position:relative;z-index:1;}
.hero-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;position:relative;z-index:1;}
.be-box{background:linear-gradient(135deg,rgba(73,159,190,.10),rgba(213,224,63,.14));border:1px solid var(--gray-light);border-left:4px solid var(--hfg-lime);border-radius:14px;padding:16px 20px;}
.be-box-tag{font-family:var(--mono);font-size:10px;font-weight:700;letter-spacing:1.6px;text-transform:uppercase;color:var(--hfg-teal-dark);margin-bottom:6px;}
.be-box-text{font-size:13px;line-height:1.55;color:var(--hfg-blue-deep);font-weight:500;}
.be-box-text strong{font-weight:800;}
.be-sec{padding-top:14px!important;padding-bottom:14px!important;}
.be-box-feature{background:linear-gradient(135deg,rgba(73,159,190,.14),rgba(213,224,63,.20));border:1px solid rgba(73,159,190,.25);border-left:7px solid var(--hfg-lime);border-radius:16px;padding:18px 24px;box-shadow:0 6px 22px rgba(15,67,105,.10);}
.be-box-feature .be-box-tag{display:inline-block;background:var(--hfg-lime);color:var(--hfg-blue-deep);padding:4px 12px;border-radius:999px;margin-bottom:10px;}
.be-box-feature .be-box-text{font-size:15.5px;line-height:1.55;color:var(--hfg-blue-deep);}
.be-box-feature .be-box-text strong{color:var(--hfg-blue);font-weight:800;}
.hcard{background:rgba(255,255,255,.05);border:1px solid rgba(213,224,63,.25);border-radius:16px;padding:20px 17px;position:relative;overflow:hidden;}
.hcard::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--hfg-lime),var(--hfg-lime-bright));}
.hcard-period{font-family:var(--mono);font-size:9px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--hfg-lime);margin-bottom:11px;}
.hcard-amount{font-family:var(--sans);font-size:28px;font-weight:800;color:var(--hfg-lime);line-height:1;margin-bottom:4px;letter-spacing:-1px;font-variant-numeric:tabular-nums;}
.hcard-amount.negative{color:#e87d6a;}
.hcard-lbl{font-size:10px;color:rgba(255,255,255,.5);margin-bottom:13px;font-weight:600;letter-spacing:.3px;}
.hcard-divider{height:1px;background:rgba(213,224,63,.2);margin-bottom:11px;}
.hcard-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:7px;gap:6px;}
.hcard-row:last-child{margin-bottom:0;}
.hcard-row-lbl{font-size:10px;color:rgba(255,255,255,.62);font-weight:600;flex:1;line-height:1.3;}
.hcard-row-val{font-size:11px;font-weight:700;white-space:nowrap;font-variant-numeric:tabular-nums;}
.hcard-row-val.pos{color:#7ab7d0;}
.hcard-row-val.neg{color:#e8c46a;}
.hcard-row-val.cost{color:#e87d6a;}

/* Report section */
.rpt-sec{padding:26px 36px;border-bottom:1px solid var(--gray-light);}
.rpt-sec:last-of-type{border-bottom:none;}
.sec-hd{font-family:var(--mono);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.8px;color:var(--hfg-teal);margin-bottom:18px;display:flex;align-items:center;gap:12px;}
.sec-hd::after{content:'';flex:1;height:1px;background:var(--gray-light);}

/* Comparison table */
.tbl-wrap{overflow-x:auto;}
.comp-tbl{width:100%;border-collapse:collapse;font-size:12px;min-width:700px;}
.comp-tbl th{background:var(--hfg-blue-deep);color:#fff;padding:11px 13px;font-family:var(--mono);font-weight:700;font-size:10px;text-transform:uppercase;letter-spacing:.6px;text-align:left;}
.comp-tbl th:first-child{border-radius:10px 0 0 0;}
.comp-tbl th:last-child{border-radius:0 10px 0 0;}
.comp-tbl th.today{background:linear-gradient(135deg,var(--hfg-blue-light),var(--hfg-blue));}
.comp-tbl td{padding:9px 13px;border-bottom:1px solid var(--gray-light);font-weight:500;color:var(--text);font-variant-numeric:tabular-nums;}
.comp-tbl tr:last-child td{border-bottom:none;}
.comp-tbl tr:nth-child(even) td{background:#fafbfc;}
.comp-tbl td.today{background:rgba(15,67,105,.05)!important;font-weight:700;color:var(--hfg-blue);}
.comp-tbl td.row-lbl{font-weight:700;color:var(--hfg-blue-deep);font-size:11px;background:var(--cream)!important;}
.comp-tbl tr.rate-row td{background:var(--hfg-teal-pale)!important;}
.comp-tbl tr.rate-row td.today{background:rgba(73,159,190,.22)!important;}
.comp-tbl tr.total-row td{background:var(--hfg-blue-deep)!important;color:#fff!important;font-weight:700!important;font-size:13px!important;}
.comp-tbl tr.total-row td.row-lbl{background:var(--hfg-blue-deep)!important;color:#fff!important;border-radius:0 0 0 10px;}
.comp-tbl tr.total-row td:last-child{border-radius:0 0 10px 0;}
.appr-tag{display:inline-block;background:rgba(213,224,63,.22);color:#6f7717;font-family:var(--mono);font-size:9px;font-weight:700;padding:2px 6px;border-radius:8px;margin-left:4px;border:1px solid rgba(184,196,58,.3);}

/* Charts */
.charts-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.ch-card{background:var(--cream);border-radius:16px;padding:18px 16px 14px;border:1px solid var(--gray-light);}
.ch-title{font-family:var(--mono);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--gray);margin-bottom:12px;}
.ch-wrap{position:relative;height:185px;}

/* Cost table */
.cost-tbl{width:100%;border-collapse:collapse;font-size:12px;}
.cost-tbl th{background:var(--hfg-blue-deep);color:#fff;padding:11px 13px;font-family:var(--mono);font-weight:700;font-size:10px;text-transform:uppercase;letter-spacing:.6px;text-align:right;}
.cost-tbl th:first-child{text-align:left;border-radius:10px 0 0 0;}
.cost-tbl th:last-child{border-radius:0 10px 0 0;}
.cost-tbl td{padding:9px 13px;border-bottom:1px solid var(--gray-light);font-weight:500;text-align:right;font-variant-numeric:tabular-nums;}
.cost-tbl td:first-child{text-align:left;font-weight:700;color:var(--hfg-blue-deep);}
.cost-tbl tr:nth-child(even) td{background:#fafbfc;}
.cost-tbl tr.total-row td{background:var(--hfg-blue-deep)!important;color:#fff!important;font-weight:700!important;font-size:13px!important;border-bottom:none;}
.cost-tbl tr.total-row td:first-child{border-radius:0 0 0 10px;}
.cost-tbl tr.total-row td:last-child{border-radius:0 0 10px 0;}
.val-pos{color:var(--hfg-teal-dark);font-weight:700;}
.val-neg{color:var(--red);font-weight:700;}

/* Bottom grid */
.bot-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:22px;align-items:start;}
.cash-card{background:var(--cream);border-radius:16px;padding:22px;border:1px solid var(--gray-light);}
.cash-card-title{font-family:var(--mono);font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--hfg-teal);margin-bottom:14px;}
.cash-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--gray-light);gap:10px;}
.cash-row:last-child{border-bottom:none;}
.cash-row .lbl{font-size:12px;font-weight:700;color:var(--hfg-blue-deep);}
.cash-row .amt{font-size:12px;font-weight:700;color:var(--red);background:var(--red-pale);padding:4px 11px;border-radius:999px;font-variant-numeric:tabular-nums;}
.cf-card{background:var(--cream);border-radius:16px;padding:18px 16px 14px;border:1px solid var(--gray-light);}
.cf-wrap{position:relative;height:195px;}

/* Disclaimer / footer */
.rpt-disc{background:var(--cream);padding:16px 36px;font-size:9.5px;color:var(--gray);line-height:1.6;border-top:1px solid var(--gray-light);}
.rpt-foot{background:var(--hfg-blue-deep);padding:18px 36px;display:flex;align-items:center;justify-content:space-between;gap:12px;}
.rpt-foot-text{font-size:11px;color:rgba(255,255,255,.45);}

/* ── EXTRACTED INLINE STYLES (formerly style="" attributes; declarations verbatim — Phase 1B-4B).
   Kept after all component rules so equal-specificity contests resolve the same way the
   old inline styles did. JS still toggles visibility via el.style.* (CSSOM), which
   overrides these rules exactly as it overrode the removed attributes. ── */
.mb-18{margin-bottom:18px;}
.mb-10{margin-bottom:10px;}
.mb-4{margin-bottom:4px;}
.mt-4{margin-top:4px;}
.pb-6{padding-bottom:6px;}
.minw-150{min-width:150px;}
.sub-label{font-family:var(--mono);font-size:10px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--hfg-teal);margin-bottom:8px;}
.fg-pre{margin-right:2px;}
.fg-conc{width:90px;}
.lbl-auto{color:var(--hfg-teal-dark);font-size:9px;letter-spacing:.5px;}
.hint-note{font-size:11px;color:var(--gray);margin-top:8px;}
.lo-autofill-note{font-size:11.5px;color:var(--hfg-teal-dark);background:var(--hfg-teal-pale);border-radius:8px;padding:8px 12px;margin-bottom:12px;line-height:1.5;}
.accent-teal{border-left-color:var(--hfg-teal);}
.va-row{display:flex;gap:14px;flex-wrap:wrap;align-items:flex-end;}
.pg2-actions{display:flex;gap:10px;}
#finmi-wrap{display:none;}
#va-sec{display:none;padding-top:12px;border-top:1px solid var(--gray-light);}
#lo-error{display:none;}
/* report-template classes (formerly inline in the JS-generated report markup) */
.th-note{font-size:9px;opacity:.75;}
.cash-note{font-size:10px;color:var(--gray);margin-top:10px;line-height:1.6;}
.cf-sub{font-size:10px;color:var(--gray);margin-bottom:10px;}

/* ── AUTH GATE + FAIL-CLOSED FIRST PAINT (Phase 3B; layout mirrors vuln-tracker-dashboard) ──
   The body ships data-auth-state="checking" in static HTML, and every protected
   region stays display:none in ANY state except signed-in — so the calculator can
   never flash before auth completes, even if JavaScript fails entirely.
   scripts/auth.js advances the state machine: checking | signed-out | signed-in | error. */
body:not([data-auth-state="signed-in"]) .site-nav,
body:not([data-auth-state="signed-in"]) #pg1,
body:not([data-auth-state="signed-in"]) #pg2{display:none;}
body[data-auth-state="signed-in"] .auth-gate{display:none;}
.auth-gate{position:fixed;inset:0;z-index:1000;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;background:var(--hfg-blue-deep);text-align:center;padding:24px;}
.auth-title{font-family:var(--sans);font-size:26px;font-weight:800;color:#fff;letter-spacing:-.01em;}
.auth-msg{font-size:13px;color:rgba(255,255,255,.45);max-width:380px;line-height:1.55;}
.auth-btn{margin-top:8px;padding:10px 22px;border-radius:8px;background:var(--hfg-teal);border:none;color:#fff;font-family:var(--sans);font-size:14px;font-weight:500;cursor:pointer;}
.auth-btn:hover{background:var(--hfg-teal-dark);}
.auth-btn[hidden]{display:none;}
.auth-portal-link{margin-top:4px;font-size:12px;color:rgba(255,255,255,.55);text-decoration:none;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.08);border-radius:8px;padding:8px 20px;}
.auth-portal-link:hover{background:rgba(255,255,255,.14);color:rgba(255,255,255,.8);}
.auth-portal-link[hidden]{display:none;}

/* ── PRINT ── */
@media print{
  *{-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important;}
  @page{margin:.38in;size:letter portrait;}
  html,body{background:#fff;}
  #pg1,#pg2 .pg2-bar,.site-nav,.fab-connect{display:none!important;}
  .report{box-shadow:none;border-radius:0;margin:0;max-width:100%;}

  /* Tight page chrome */
  .rpt-head{padding:8px 20px!important;}
  .rpt-agent{padding:4px 20px!important;}
  .rpt-client{padding:4px 20px!important;}
  .rpt-sec{padding:6px 20px!important;border-bottom:1px solid var(--gray-light);}
  .rpt-disc{padding:5px 20px!important;font-size:7.5px!important;line-height:1.38!important;}
  .rpt-foot{padding:7px 20px!important;}
  .sec-hd{margin-bottom:5px!important;page-break-after:avoid;break-after:avoid;}

  /* Keep blocks whole; page 2 begins at Visual Trends */
  .hero,.hero-cards,.comp-tbl,.cost-tbl,.charts-row,.bot-grid,.ch-card,.cf-card,.cash-card{page-break-inside:avoid;break-inside:avoid;}
  .rpt-sec.pb-before{page-break-before:always;break-before:page;}

  /* HERO — compressed to free page-1 room for the comparison table */
  .hero{padding:8px 20px!important;}
  .hero-eyebrow{margin-bottom:2px!important;}
  .hero-title{font-size:15px!important;margin-bottom:2px!important;}
  .hero-sub{font-size:9.5px!important;margin-bottom:5px!important;}
  .hero-cards{grid-template-columns:repeat(4,1fr)!important;gap:8px!important;}
  .hcard{padding:6px 8px!important;border-radius:9px!important;}
  .hcard-period{font-size:8px!important;margin-bottom:2px!important;}
  .hcard-amount{font-size:15px!important;margin-bottom:2px!important;}
  .hcard-lbl{font-size:7.5px!important;margin-bottom:4px!important;}
  .hcard-divider{margin-bottom:4px!important;}
  .hcard-row{margin-bottom:1px!important;}
  .hcard-row-lbl{font-size:7.5px!important;}
  .hcard-row-val{font-size:8.5px!important;}
  .be-sec{padding-top:4px!important;padding-bottom:4px!important;}
  .be-box-feature{padding:8px 15px!important;box-shadow:none!important;border-radius:12px!important;border-left-width:6px!important;}
  .be-box-feature .be-box-text{font-size:11px!important;line-height:1.4!important;}
  .be-box-feature .be-box-tag{font-size:9px!important;padding:2px 9px!important;margin-bottom:4px!important;}

  /* Comparison table — dense, full width, no clipping */
  .tbl-wrap{overflow:visible!important;}
  .comp-tbl{min-width:0!important;width:100%!important;font-size:9px!important;table-layout:fixed!important;}
  .comp-tbl th{padding:3px 5px!important;font-size:8px!important;white-space:nowrap;}
  .comp-tbl td{padding:2px 5px!important;font-size:9px!important;}
  .comp-tbl td.row-lbl{font-size:9px!important;}
  .comp-tbl th:first-child,.comp-tbl td:first-child{width:22%;}
  .appr-tag{font-size:7px!important;padding:1px 4px!important;margin-left:3px!important;}

  /* Cost table — dense */
  .cost-tbl{width:100%!important;font-size:9px!important;}
  .cost-tbl th{padding:4px 5px!important;font-size:8px!important;}
  .cost-tbl td{padding:4px 5px!important;font-size:9px!important;}

  /* CHARTS — fit the page (no clipping) and shorter for the 2-page fit */
  .charts-row{grid-template-columns:1fr 1fr!important;gap:12px!important;}
  .ch-card,.cf-card{overflow:hidden!important;padding:10px 10px 8px!important;}
  .ch-wrap{height:104px!important;}
  .cf-wrap{height:118px!important;}
  .ch-wrap canvas,.cf-wrap canvas{width:100%!important;height:100%!important;max-width:100%!important;}

  /* Cash section — dense */
  .bot-grid{gap:14px!important;}
  .cash-card{padding:9px!important;}
  .cash-card-title{margin-bottom:8px!important;}
  .cash-row{padding:3px 0!important;}
  .cash-row .lbl{font-size:11px!important;}
  .cash-row .amt{font-size:11px!important;padding:2px 9px!important;}
}
@media(max-width:720px){
  .pg1-title{font-size:34px;letter-spacing:-1px;}
  .hero-cards{grid-template-columns:repeat(2,1fr);}
  .charts-row,.bot-grid{grid-template-columns:1fr;}
  .fgrid-3,.fgrid-4{grid-template-columns:1fr 1fr;}
  .nav-inner{padding:14px 20px;}
  .rpt-head,.rpt-agent,.rpt-client,.hero,.rpt-sec{padding-left:20px;padding-right:20px;}
  .cost-tbl{min-width:460px;}
  .rpt-foot{flex-direction:column;align-items:flex-start;gap:12px;}
  .logo-chip.sm img{height:26px;}
}