/* Debt Consolidation Analysis — tool stylesheet.
   Extracted from the original prototype. Brand tokens + @font-face live in tokens.css.
   No inline styles: values that were inline style= attributes are classes at the end. */

:root{
  /* DARK theme — HFG brand navy + lime + teal (exact brand hexes) */
  --bg:#022138; --bg2:#01182b; --panel:#06294a; --panel2:#0a3a5f;
  --line:#0e3a5c; --line2:#17527c;
  --ink:#eef4fa; --ink2:#9bb4c8; --ink3:#5f7d97;
  --gold:#5fb0c4; --gold2:#7bbccc; --goldsoft:rgba(95,176,196,.16);
  --green:#d2dc50; --green2:#e0e87a; --greensoft:rgba(210,220,80,.14);
  --red:#e8836a; --redsoft:rgba(232,131,106,.12);
  --blue:#50a0b4;
  --cta:#d2dc50; --cta-ink:#00325a; --cta-h:#e0e87a;
  /* Brand fonts only (HFG): Dunbar Text for text + display, Geist Mono for numerics.
     Instrument Serif / Outfit (Google Fonts) were dropped — see tokens.css. */
  --serif:var(--hfg-font-display);
  --sans:var(--hfg-font-sans);
  --mono:var(--hfg-font-mono);
}
/* ===== LIGHT THEME — HFG off-white / blue / lime (exact brand hexes) ===== */
body.light{
  --bg:#f4f6f9; --bg2:#ffffff; --panel:#ffffff; --panel2:#f4f6f9;
  --line:#e8ecf0; --line2:#d8dee6;
  --ink:#00325a; --ink2:#5b6b7b; --ink3:#94a3b0;
  --gold:#50a0b4; --gold2:#004678; --goldsoft:rgba(80,160,180,.12);
  --green:#7e8a1e; --green2:#9aa824; --greensoft:rgba(126,138,30,.10);
  --red:#b94a32; --redsoft:rgba(185,74,50,.08);
  --blue:#004678;
  --cta:#004678; --cta-ink:#ffffff; --cta-h:#00325a;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);background:var(--bg);color:var(--ink);line-height:1.5;-webkit-font-smoothing:antialiased;font-weight:400}
.app{display:grid;grid-template-columns:380px 1fr;min-height:100vh}

/* ===== SIDEBAR ===== */
.side{background:var(--bg2);border-right:1px solid var(--line);padding:0;overflow-y:auto;max-height:100vh;position:sticky;top:0}
.brand{padding:24px 26px 20px;background:linear-gradient(135deg,#00325a,#004678);border-bottom:4px solid #d2dc50}
/* The sidebar header is always deep navy. The white-horizontal logo sits on a
   translucent (frosted) chip so it reads clearly with a defined container. */
.brand .logo-chip{display:inline-flex;justify-content:center;align-items:center;margin-bottom:14px;padding:12px 18px;border-radius:12px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px)}
.brand .logo-chip .logo-link{display:inline-flex}
.brand .logo-chip .logo{display:block;width:auto;max-width:100%;height:34px}
.brand .brandtag{font-family:var(--mono);font-size:10.5px;letter-spacing:.17em;text-transform:uppercase;color:#9ec7d4;font-weight:600}
.brand .kick{font-family:var(--mono);font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:#7bbccc;font-weight:600}
.brand h1{font-family:var(--serif);font-size:30px;line-height:1.05;font-weight:400;margin-top:8px;letter-spacing:.01em;color:#fff}
.brand .sub{color:rgba(255,255,255,.62);font-size:12.5px;margin-top:6px}
.sec{padding:20px 26px;border-bottom:1px solid var(--line)}
.sec h2{font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--ink2);font-weight:600;margin-bottom:14px;display:flex;align-items:center;gap:8px}
.sec h2 .n{width:18px;height:18px;border-radius:50%;border:1px solid var(--gold);color:var(--gold);display:grid;place-items:center;font-size:9px;font-family:var(--mono)}
.fld{margin-bottom:13px}
.fld label{display:block;font-size:11.5px;color:var(--ink2);margin-bottom:5px;font-weight:500}
.inp{position:relative}
.inp .pre{position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--ink3);font-family:var(--mono);font-size:13px;pointer-events:none}
.inp .post{position:absolute;right:11px;top:50%;transform:translateY(-50%);color:var(--ink3);font-family:var(--mono);font-size:13px;pointer-events:none}
input[type=text],input[type=number],select{width:100%;background:var(--panel);border:1px solid var(--line2);border-radius:8px;color:var(--ink);font-family:var(--mono);font-size:14px;padding:9px 11px;transition:border .15s,box-shadow .15s}
.inp.haspre input{padding-left:24px}
.inp.haspost input{padding-right:34px}
input:focus,select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px var(--goldsoft)}
select{cursor:pointer;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%236b7587' stroke-width='1.4' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row3{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:7px}

/* debt table */
.debt-head{display:grid;grid-template-columns:1.5fr 1.2fr 0.92fr 1.05fr 15px;gap:6px;font-size:9.5px;font-family:var(--mono);letter-spacing:.04em;text-transform:uppercase;color:var(--ink3);margin-bottom:7px;padding:0 2px}
.debt-row{display:grid;grid-template-columns:1.5fr 1.2fr 0.92fr 1.05fr 15px;gap:6px;margin-bottom:7px;align-items:center}
.debt-row input,.debt-row select{padding:7px 6px;font-size:12px;border-radius:6px}
.debt-row select{padding-right:22px;background-position:right 6px center}
.debt-row input.pmt-auto{opacity:.6;cursor:default;background:var(--bg)}
.debt-row .del{background:none;border:none;color:var(--ink3);cursor:pointer;font-size:16px;line-height:1;padding:0;transition:color .15s}
.debt-row .del:hover{color:var(--red)}
.addbtn{width:100%;background:var(--panel);border:1px dashed var(--line2);color:var(--ink2);border-radius:8px;padding:8px;font-family:var(--sans);font-size:12px;cursor:pointer;font-weight:500;transition:.15s;margin-top:4px}
.addbtn:hover{border-color:var(--gold);color:var(--gold)}

/* lever toggle */
.lever{display:grid;grid-template-columns:1fr 1fr 1fr;gap:6px;margin-bottom:10px}
.lever button{background:var(--panel);border:1px solid var(--line2);color:var(--ink2);border-radius:8px;padding:9px 4px;font-family:var(--sans);font-size:11px;font-weight:500;cursor:pointer;transition:.15s;text-align:center;line-height:1.2}
.lever button.on{background:var(--goldsoft);border-color:var(--gold);color:var(--gold2)}
.lever button:hover{border-color:var(--gold)}
.rangewrap{display:flex;align-items:center;gap:10px}
input[type=range]{-webkit-appearance:none;appearance:none;height:4px;background:var(--line2);border-radius:3px;flex:1;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:16px;height:16px;border-radius:50%;background:var(--gold);cursor:pointer;border:2px solid var(--bg2);box-shadow:0 0 0 1px var(--gold)}
.rangeval{font-family:var(--mono);font-size:13px;color:var(--gold2);min-width:42px;text-align:right}
.tog{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-top:4px}
.tog label:not(.switch){font-size:11.5px;color:var(--ink2);font-weight:500;flex:1}
.switch{position:relative;width:40px;height:22px;flex-shrink:0}
.switch input{opacity:0;width:0;height:0}
.slider{position:absolute;inset:0;background:var(--line2);border-radius:22px;cursor:pointer;transition:.2s}
.slider:before{content:"";position:absolute;height:16px;width:16px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.2s}
.switch input:checked + .slider{background:var(--gold)}
.switch input:checked + .slider:before{transform:translateX(18px)}
.hint{font-size:10.5px;color:var(--ink3);margin-top:6px;line-height:1.45}

/* ===== MAIN ===== */
.main{padding:34px 40px 60px;overflow-y:auto;max-height:100vh}
.topbar{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:26px;flex-wrap:wrap;gap:16px}
.topbar .lead{max-width:560px}
.topbar .lead .eyebrow{font-family:var(--mono);font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.topbar .lead h2{font-family:var(--serif);font-size:34px;font-weight:400;line-height:1.08;margin-top:6px}
.topbar .lead p{color:var(--ink2);font-size:13.5px;margin-top:8px}
.actions{display:flex;gap:10px}
.btn{background:var(--panel);border:1px solid var(--line2);color:var(--ink);border-radius:9px;padding:9px 16px;font-family:var(--sans);font-size:12.5px;font-weight:500;cursor:pointer;transition:.15s}
.btn:hover{border-color:var(--gold);color:var(--gold2)}
.btn.primary{background:var(--cta);border-color:var(--cta);color:var(--cta-ink);font-weight:600}
.btn.primary:hover{background:var(--cta-h);border-color:var(--cta-h);color:var(--cta-ink)}

/* hero metrics */
.hero{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:16px;margin-bottom:18px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px 24px}
.card .lab{font-family:var(--mono);font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink3);font-weight:500}
.card .big{font-family:var(--serif);font-size:46px;font-weight:400;line-height:1;margin-top:10px;letter-spacing:.01em}
.card .big.sm{font-size:34px}
.card .note{font-size:11.5px;color:var(--ink2);margin-top:9px;line-height:1.4}
.hero .feature{background:linear-gradient(150deg,#004678,#00325a);border-color:#0e3a5c;position:relative;overflow:hidden}
.hero .feature:before{content:"";position:absolute;top:-40px;right:-40px;width:150px;height:150px;border-radius:50%;background:rgba(210,220,80,.16)}
.hero .feature .big{color:#d2dc50}
.hero .feature .big.neg{color:#f0a890}
.hero .feature .lab{color:#7bbccc}
.hero .feature .note{color:#d7e6f2}
.hero .feature .note b{color:#fff}
.pos{color:var(--green)} .neg{color:var(--red)}

/* before/after bar */
.ba{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-bottom:18px}
.ba h3{font-family:var(--serif);font-size:21px;font-weight:400;margin-bottom:4px}
.ba .desc{font-size:12px;color:var(--ink3);margin-bottom:18px}
.barrow{display:grid;grid-template-columns:120px 1fr 110px;align-items:center;gap:14px;margin-bottom:11px}
.barrow .nm{font-size:12.5px;color:var(--ink2);font-weight:500}
.bartrack{height:30px;background:var(--bg);border-radius:7px;overflow:hidden;position:relative}
.barfill{height:100%;border-radius:7px;display:flex;align-items:center;padding-left:12px;font-family:var(--mono);font-size:11px;color:#0d0f14;font-weight:600;transition:width .5s ease}
.barfill.before{background:linear-gradient(90deg,#33586f,#4a7790);color:#eef1f6}
.barfill.after{background:linear-gradient(90deg,#c2cc3e,#d2dc50);color:#1a2a0a}
.barrow .amt{font-family:var(--mono);font-size:14px;text-align:right;font-weight:500}

/* chart card */
.chartcard{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-bottom:18px}
.chartcard .ctitle{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:6px;flex-wrap:wrap;gap:10px}
.chartcard h3{font-family:var(--serif);font-size:22px;font-weight:400}
.chartcard .csub{font-size:12px;color:var(--ink3);max-width:480px;margin-top:2px}
.legend{display:flex;gap:16px;flex-wrap:wrap;margin:14px 0 6px}
.legend .li{display:flex;align-items:center;gap:7px;font-size:12px;color:var(--ink2)}
.legend .dot{width:11px;height:11px;border-radius:3px}
.chart-h{position:relative;height:250px}
.gapnote{margin-top:16px;padding:14px 16px;background:var(--greensoft);border:1px solid rgba(126,138,30,.30);border-radius:10px;font-size:13px;color:var(--ink);line-height:1.5}
.gapnote b{color:var(--green);font-weight:600}

/* two col */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
.minicard{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:20px 22px}
.minicard h3{font-family:var(--serif);font-size:19px;font-weight:400;margin-bottom:3px}
.minicard .mh{font-size:11.5px;color:var(--ink3);margin-bottom:16px}
.statline{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px solid var(--line)}
.statline:last-child{border-bottom:none}
.statline .k{font-size:12.5px;color:var(--ink2)}
.statline .v{font-family:var(--mono);font-size:14px;font-weight:500}
.reality{background:var(--redsoft);border:1px solid rgba(224,121,95,.28)}
.reality .big{font-family:var(--serif);font-size:38px;color:var(--red);line-height:1;margin:4px 0 2px}
.reality p{font-size:12px;color:var(--ink2);line-height:1.5}

/* table */
.tablecard{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-bottom:18px;overflow-x:auto}
.tablecard h3{font-family:var(--serif);font-size:20px;font-weight:400;margin-bottom:14px}
table{width:100%;border-collapse:collapse;font-size:12.5px}
th{text-align:right;font-family:var(--mono);font-size:9.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink3);font-weight:600;padding:8px 10px;border-bottom:1px solid var(--line2)}
th:first-child,td:first-child{text-align:left}
td{padding:10px 10px;border-bottom:1px solid var(--line);font-family:var(--mono);font-weight:400;text-align:right}
td.pcell{white-space:nowrap}
td.pcell .mintag{display:inline-block;width:30px;text-align:left;padding-left:6px;color:var(--ink3);font-size:9.5px}
tr:last-child td{border-bottom:none}
tfoot td{font-weight:600;border-top:1px solid var(--line2);color:var(--ink)}

/* guardrails */
.guard{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-bottom:18px}
.guard h3{font-family:var(--serif);font-size:20px;font-weight:400;margin-bottom:4px;display:flex;align-items:center;gap:9px}
.guard .gh{font-size:12px;color:var(--ink3);margin-bottom:16px}
.guard ul{list-style:none}
.guard li{display:flex;gap:11px;padding:9px 0;font-size:12.5px;color:var(--ink2);line-height:1.5;border-bottom:1px solid var(--line)}
.guard li:last-child{border-bottom:none}
.guard li .ic{color:var(--gold);flex-shrink:0;font-size:14px;margin-top:1px}

.foot{margin-top:30px;padding-top:20px;border-top:1px solid var(--line);font-size:10.5px;color:var(--ink3);line-height:1.6}
.foot b{color:var(--ink2)}

@media (max-width:1080px){.hero,.grid2{grid-template-columns:1fr}.app{grid-template-columns:1fr}.side{position:relative;max-height:none}.main{max-height:none}}

/* ===== COLOR ACCENTS — lifts the light theme out of plain white ===== */
.sec h2 .n{background:var(--gold);color:#fff;border-color:var(--gold)}
.hero .card:not(.feature){border-top:3px solid var(--blue)}
.hero .card:not(.feature) .big{color:var(--blue)}
#hBlended{color:var(--red)}
body.light .hero .card:not(.feature){background:linear-gradient(165deg,#ffffff 45%,#e9f1f7)}
.ba,.chartcard,.tablecard,.guard{border-top:3px solid var(--gold)}
.minicard.reality{border-top:3px solid #cf6b4a}
.minicard.score{border-top:3px solid var(--green2)}
.minicard.wide{border-top:3px solid var(--gold)}
body.light .ba,body.light .chartcard,body.light .tablecard,body.light .guard,body.light .minicard:not(.reality){background:linear-gradient(180deg,#eef5f8,#ffffff 78px)}
.topbar .lead h2:after{content:"";display:block;width:66px;height:4px;border-radius:3px;background:var(--green2);margin-top:13px}
.preparedfor{margin-top:14px;font-size:12px;font-family:var(--mono);letter-spacing:.04em;color:var(--ink3)}
.preparedfor b{color:var(--gold);font-weight:600}
.goallead{margin-top:8px;font-size:15px;color:var(--ink);line-height:1.5;max-width:620px}
.goallead b{color:var(--green);font-weight:600}
.is-focus{position:relative;box-shadow:0 0 0 2px var(--green2)}
.is-focus::after{content:"★ Your focus";position:absolute;top:0;right:0;background:var(--green2);color:#15200a;font-family:var(--mono);font-size:8.5px;font-weight:600;padding:3px 9px;border-radius:0 13px 0 11px;letter-spacing:.05em;z-index:3}
.minicard.wide{margin-bottom:18px}
.minicard.score .big{font-family:var(--serif);font-size:28px;color:var(--green);line-height:1.05;margin:4px 0 2px}
.minicard.trapcard{margin-bottom:18px;display:grid;grid-template-columns:250px 1fr;gap:8px 30px;align-items:center}
.minicard.trapcard .big{margin-top:6px}
.minicard.trapcard p{margin:0}
@media(max-width:1080px){.minicard.trapcard{grid-template-columns:1fr;gap:12px}}
.minicard.score p{font-size:12px;color:var(--ink2);line-height:1.5}
.cta{background:var(--panel);border:1px solid var(--line);border-top:3px solid var(--green2);border-radius:14px;padding:22px 24px;margin-bottom:18px}
.cta h3{font-family:var(--serif);font-size:20px;font-weight:400;margin-bottom:4px}
.cta .gh{font-size:12.5px;color:var(--ink3);margin-bottom:14px}
.cta .steps{list-style:none;counter-reset:s}
.cta .steps li{counter-increment:s;position:relative;padding:9px 0 9px 40px;font-size:13px;color:var(--ink2);line-height:1.5;border-bottom:1px solid var(--line)}
.cta .steps li:last-child{border-bottom:none}
.cta .steps li:before{content:counter(s);position:absolute;left:0;top:7px;width:25px;height:25px;border-radius:50%;background:var(--cta);color:var(--cta-ink);display:grid;place-items:center;font-family:var(--mono);font-size:12px;font-weight:600}
.cta .steps li b{color:var(--ink)}
body.light .cta{background:linear-gradient(180deg,#eef5f8,#ffffff 78px)}
.loblock{background:var(--panel);border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:14px;padding:18px 24px;margin-bottom:18px;display:grid;grid-template-columns:1.1fr 1fr;gap:14px 24px;align-items:start}
.loblock .lo-name{font-family:var(--serif);font-size:22px;color:var(--ink);line-height:1.1}
.loblock .lo-title{font-size:12px;color:var(--ink2);margin-top:3px}
.loblock .lo-nmls{font-family:var(--mono);font-size:11px;color:var(--gold);margin-top:7px;letter-spacing:.03em}
.loblock .lo-grid{font-size:12.5px;color:var(--ink2);line-height:1.7;align-self:center}
.loblock .lo-row{display:flex;gap:9px}
.loblock .licon{width:14px;height:14px;flex-shrink:0;fill:var(--gold);margin-top:2px}
.loblock .lo-co{grid-column:1/-1;border-top:1px solid var(--line);padding-top:12px;margin-top:2px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:10.5px;color:var(--ink3);font-family:var(--mono);letter-spacing:.02em}
.loblock .lo-co b{color:var(--ink2)}
.loblock .lo-disc{grid-column:1/-1;font-size:9.5px;color:var(--ink3);margin-top:-4px;line-height:1.4}
.loblock .lo-disc b{color:var(--ink2)}
body.light .loblock{background:linear-gradient(180deg,#eef5f8,#ffffff 78px)}
/* Report logo sits directly on the (themed) page. Its src is swapped by theme in
   JS: white-horizontal logo in dark, full-color logo in light — no chip either way. */
.report-brand{display:inline-block;margin-bottom:20px;background:none;border:none;padding:0}
.report-brand .report-logo{height:30px;width:auto;display:block}
@media (max-width:1080px){.loblock{grid-template-columns:1fr}}

/* ===== MOBILE / PHONE ===== */
@media (max-width:560px){
  .main{padding:18px 14px 44px}
  .brand{padding:20px 18px 16px}
  .sec{padding:16px 18px}
  .topbar{flex-direction:column;align-items:stretch;gap:14px;margin-bottom:18px}
  .topbar .lead{max-width:none}
  .topbar .lead h2{font-size:24px;line-height:1.12}
  .goallead{font-size:13.5px}
  .actions{flex-wrap:wrap;gap:8px}
  .actions .btn{flex:1 1 0;min-width:0;text-align:center;padding:9px 8px}
  .hero{gap:12px}
  .hero .feature .big{font-size:38px}
  .card,.ba,.chartcard,.minicard,.guard,.cta,.loblock{padding:18px 16px}
  .ba .barrow{grid-template-columns:76px 1fr;gap:10px}
  .ba .barrow .amt{display:none}
  .reality .big{font-size:32px}
  .minicard.score .big{font-size:24px}
  .chart-h{height:220px}
  .tablecard{padding:18px 14px}
  .tablecard table{min-width:440px}
  .cta .steps li{padding-left:36px}
  .report-brand .report-logo{height:26px}
  .is-focus::after{font-size:8px;padding:2px 7px}
}

/* ===== PRINT: clean, readable light theme (flows naturally; readability over page count) ===== */
@media print{
  @page{margin:0.5in;size:letter}
  *{-webkit-print-color-adjust:exact;print-color-adjust:exact}
  /* force the LIGHT theme variables so print is correct no matter the screen mode */
  body{
    --bg:#ffffff;--bg2:#ffffff;--panel:#ffffff;--panel2:#f4f6f9;
    --line:#e8ecf0;--line2:#d8dee6;
    --ink:#00325a;--ink2:#5b6b7b;--ink3:#94a3b0;
    --gold:#50a0b4;--gold2:#004678;--goldsoft:rgba(80,160,180,.12);
    --green:#7e8a1e;--green2:#9aa824;--greensoft:rgba(126,138,30,.10);
    --red:#b94a32;--redsoft:rgba(179,74,50,.08);
    --blue:#004678;--cta:#004678;--cta-ink:#ffffff;--cta-h:#00325a;
    background:#fff;color:#1a2a3a;
  }
  /* keep the multi-column layout in print (don't collapse to the mobile breakpoint) */
  .hero{grid-template-columns:1.5fr 1fr 1fr}
  .grid2{grid-template-columns:1fr 1fr}
  .app{display:block}
  .side{display:none}
  /* fixed layout width so phones lay out + paginate exactly like desktop (no iOS scale-up) */
  .main{padding:0;max-height:none;overflow:visible;width:7.4in;max-width:7.4in;margin:0 auto}
  .actions{display:none}
  .card,.ba,.chartcard,.minicard,.tablecard,.guard,.cta,.loblock{background:#fff;border:1px solid #e8ecf0;box-shadow:none;break-inside:avoid;padding:13px 18px;margin-bottom:9px}
  .hero,.grid2{break-inside:avoid;margin-bottom:9px;gap:10px}
  .topbar{margin-bottom:12px}
  .statline{padding:5px 0}
  td,th{padding:6px 9px}
  .guard li{padding:5px 0}
  .cta .steps li{padding:5px 0 5px 40px}
  .report-brand{background:none;border:none;padding:0;margin-bottom:16px}
  .guard .gh,.cta .gh,.minicard .mh,.ba .desc{margin-bottom:8px}
  .legend{margin:8px 0 4px}
  .gapnote{margin-top:10px}
  .foot{margin-top:14px;padding-top:12px}
  .topbar .lead h2{font-size:28px;color:#00325a}
  .chartcard h3,.ba h3,.minicard h3,.tablecard h3,.guard h3,.cta h3,.card .big,.card .big.sm,.loblock .lo-name{color:#00325a}
  .hero .feature{background:linear-gradient(150deg,#004678,#00325a);border-color:#00325a}
  .hero .feature .big{color:#d2dc50}
  .hero .feature .lab{color:#7bbccc}
  .hero .feature .note{color:#d7e6f2}
  .card .lab,.card .note,.ba .desc,.csub,.mh,.gh,th{color:#5a6675}
  .statline .k,.guard li,.legend .li,.cta .steps li{color:#33414f}
  .reality .big{color:#b94a32}
  .reality{background:#fbf0ec}
  .gapnote{background:#f1f5e4}
  .pos{color:#7e8a1e}.neg{color:#b94a32}
  .foot{font-size:10px}
  .is-focus{box-shadow:none}.is-focus::after{display:none}
}

/* ===== Utility classes replacing former inline style= attributes =====
   (strict CSP forbids inline style attributes, incl. those injected via innerHTML) */

/* Chart legend swatches — colors mirror the chart line colors */
.legend .dot.dot-red{background:#cf6b4a}
.legend .dot.dot-teal{background:#50a0b4}
.legend .dot.dot-lime{background:#aeb828}

/* LTV hint emphasis (was inline color styles in JS) */
#ltvHint .hint-strong{color:var(--ink)}
#ltvHint .hint-good{color:var(--green)}
#ltvHint .hint-warn{color:var(--red)}

/* Loan-officer contact placeholder (was inline color style in JS) */
.loblock .lo-empty{color:var(--ink3)}

/* ===== Loan-officer autofill note (sidebar) ===== */
.lo-note{margin:0 0 12px;padding:9px 11px;border-radius:8px;font-size:11px;line-height:1.45;
  background:var(--goldsoft);border:1px solid var(--line2);color:var(--ink2)}
.lo-note[hidden]{display:none}

/* ===== Loan-officer headshot / initials (report signature block) ===== */
.loblock .lo-left{display:flex;align-items:center;gap:14px}
.loblock .lo-photo{width:56px;height:56px;border-radius:50%;object-fit:cover;flex-shrink:0;
  border:2px solid var(--gold);background:var(--panel2)}
.loblock .lo-initials{width:56px;height:56px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;
  font-family:var(--serif);font-size:22px;color:var(--cta-ink);background:var(--gold);
  border:2px solid var(--gold)}
.loblock .lo-idtext{min-width:0}

/* ===== Required-fields modal (themed; blocks report generation) ===== */
.modal{position:fixed;inset:0;z-index:1200;display:flex;align-items:center;justify-content:center;
  padding:24px;background:rgba(2,16,28,.62);-webkit-backdrop-filter:blur(3px);backdrop-filter:blur(3px)}
.modal[hidden]{display:none}
.modal-card{width:100%;max-width:440px;background:var(--panel);border:1px solid var(--line);
  border-top:4px solid var(--red);border-radius:14px;padding:24px 26px;
  box-shadow:0 24px 70px rgba(0,0,0,.45);color:var(--ink)}
.modal-card h3{font-family:var(--serif);font-size:22px;font-weight:400;margin-bottom:8px}
.modal-card p{font-size:13px;color:var(--ink2);line-height:1.5;margin-bottom:12px}
.modal-card .modal-sub{font-size:11.5px;color:var(--ink3);margin-top:12px;margin-bottom:0}
.modal-card ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:7px}
.modal-card li{font-family:var(--mono);font-size:12px;color:var(--red);
  background:var(--redsoft);border:1px solid rgba(224,121,95,.30);border-radius:7px;padding:5px 10px}
.modal-actions{display:flex;justify-content:flex-end;margin-top:20px}

@media print{ .modal{display:none !important} .lo-note{display:none !important} }