:root{--navy:#102b46;--gold:#b38a46;--ink:#182e42;--muted:#617184;--border:#dce3ea}*{box-sizing:border-box}body{margin:0;background:#f5f7fa;color:var(--ink);font:15px -apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}main{max-width:860px;margin:auto;padding:24px 16px 70px}header{background:var(--navy);color:white;border-radius:20px;padding:25px;margin-bottom:14px}header .eyebrow{color:#e7c892;font-size:10px;font-weight:800;letter-spacing:1.7px}header h1{margin:10px 0 4px;font-size:28px}header p{margin:0;color:#d8e2ec}nav{display:flex;gap:8px;margin:14px 0 18px}nav a{flex:1;text-align:center;padding:12px 8px;border:1px solid var(--border);border-radius:11px;background:white;color:var(--navy);text-decoration:none;font-weight:700;font-size:13px}nav a.active{background:var(--navy);color:white}.hero{background:white;border:1px solid var(--border);border-radius:16px;padding:24px;margin-bottom:16px}.hero small{font-weight:800;color:var(--muted);letter-spacing:1px}.big{font-size:38px;font-weight:800;color:var(--navy);margin:8px 0 18px}.summary,.line,.totalrow{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid #e9edf1}.summary:last-child,.line:last-child{border:0}.panel{background:white;border:1px solid var(--border);border-radius:16px;padding:20px;margin:14px 0}.panel h2{font-size:18px;margin:4px 0 16px;color:var(--navy)}label{display:block;font-size:12px;font-weight:700;color:#52647a;margin:0 0 13px}input,select{display:block;width:100%;font:inherit;color:var(--ink);border:1px solid #ccd6e0;border-radius:9px;background:#fff;padding:12px;margin-top:6px;min-width:0}.two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 14px}.totalrow{border-top:2px solid var(--navy);border-bottom:0;font-size:18px;font-weight:800;margin-top:12px}.totalrow strong{color:var(--navy)}button{border:0;border-radius:11px;padding:13px 18px;font:inherit;font-weight:750;cursor:pointer}button:disabled{opacity:.35;cursor:default}.primary{background:var(--navy);color:white}.secondary{background:white;border:1px solid var(--border);color:var(--navy)}main>button{width:100%;margin:5px 0}.fine{font-size:12px;color:var(--muted);line-height:1.6}.actions{display:flex;gap:9px;flex-wrap:wrap;margin:12px 0}.actions button{flex:1;min-width:120px}.scenariohead{display:flex;align-items:center;justify-content:space-between}.scenariohead h2{margin:0 0 12px}.tiny{font-size:11px;padding:7px 10px;background:#f4f6f8;color:#7c3b3b}.result{display:flex;justify-content:space-between;gap:10px;background:#f0f4f8;padding:12px;border-radius:10px;flex-wrap:wrap}.result span{font-size:12px;color:var(--muted)}.result b{display:block;font-size:17px;color:var(--navy);margin-top:4px}.tablewrap{overflow-x:auto}table{border-collapse:collapse;width:100%;font-size:12px;white-space:nowrap}th,td{padding:10px 9px;text-align:right;border-bottom:1px solid #e3e8ee}th:first-child,td:first-child{text-align:left}th{background:var(--navy);color:white}tr.highlight{background:#f6f0e5;font-weight:800}#printArea{display:none}.printDoc{font-family:Arial,sans-serif;color:#182e42}.printTitle{border-bottom:3px solid #b38a46;padding-bottom:12px}.printTitle small{color:#b38a46;font-weight:700;letter-spacing:2px}.printTitle h1{margin:7px 0;font-size:26px}.printTitle p{margin:0}.printStats{display:flex;gap:18px;flex-wrap:wrap;margin:16px 0;font-size:11px}.printFoot{font-size:9px;color:#687688;line-height:1.5;margin-top:22px}@media(max-width:430px){main{padding:12px 12px 50px}.panel{padding:14px}.two{gap:0 10px}input,select{padding:11px 8px}.big{font-size:34px}}@media print{body{background:white}main{display:none!important}#printArea{display:block!important}.printDoc{padding:0}table{font-size:10px;white-space:normal}th,td{padding:9px 5px}tr{break-inside:avoid}thead{display:table-header-group}@page{size:letter portrait;margin:12mm}}@media print{body.widePrint table{font-size:9px}body.widePrint th,body.widePrint td{padding:8px 4px}}@page wide{size:letter landscape;margin:11mm}@media print{body.widePrint .printDoc{page:wide}}

.langbar{display:flex;justify-content:flex-end;margin-bottom:10px}.langbar button{padding:8px 14px;background:#fff;border:1px solid #dce3ea}.langbar button.selected{background:#102b46;color:white}.public-result{background:#eef3f8;border-radius:10px;padding:12px;margin:8px 0}.public-result strong{font-size:20px;color:#102b46}.public-actions{display:flex;gap:10px;flex-wrap:wrap}.public-actions button{flex:1}@media print{.contact-banner{display:none!important}}

/* V8: compact, two-tone contact banner; transparent original brand artwork */
.contact-banner{display:block;background:#f7f5f0;color:#29344d;border:1px solid #e4e0d8;border-radius:18px;overflow:hidden;margin-top:26px}
.contact-top{display:flex;align-items:center;gap:26px;padding:24px 28px}
.contact-photo{display:block;width:142px;height:142px;min-height:0;flex:0 0 142px;object-fit:cover;object-position:center 25%;border-radius:50%;border:3px solid #e9e5de}
.contact-intro{flex:1;min-width:0}
.contact-logo{display:block;width:112px;max-width:100%;max-height:85px;height:auto;object-fit:contain;object-position:left center;background:transparent;border-radius:0;padding:0;margin:0 0 3px}
.contact-intro h2{font-size:23px;line-height:1.2;margin:8px 0;color:#29344d}
.contact-intro p{font-size:14px;line-height:1.5;color:#59647a;margin:0}
.contact-bottom{background:#102b46;color:#fff;padding:18px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.contact-details{display:flex;flex-direction:column;gap:5px;font-size:12px;line-height:1.35;min-width:0}
.contact-details strong{font-size:16px}
.contact-details span{color:#d7e1eb}
.contact-details a{color:#fff;text-decoration:underline;overflow-wrap:anywhere}
.contact-actions{display:flex;flex-wrap:wrap;gap:8px;margin:0}
.contact-actions a{display:inline-block;background:#b38a46;color:#102b46;text-decoration:none;border-radius:9px;padding:10px 12px;font-weight:700;font-size:12px}
@media(max-width:600px){.contact-top{gap:16px;padding:18px;align-items:flex-start}.contact-photo{width:96px;height:96px;flex-basis:96px;min-height:0}.contact-logo{width:100px;max-height:76px}.contact-intro h2{font-size:19px}.contact-intro p{font-size:12px}.contact-bottom{padding:18px;align-items:flex-start}.contact-actions{width:100%}.contact-actions a{flex:1;text-align:center}}
@media(max-width:360px){.contact-photo{width:76px;height:76px;flex-basis:76px}.contact-top{gap:12px}.contact-logo{width:88px}}

.program-options:empty{display:none}.program-options{padding:10px 0}.checkline{display:flex!important;align-items:center;gap:10px}.checkline input{width:auto!important;flex:none}.program-options select{max-width:100%}label[hidden]{display:none!important}

/* V14: editable names for broker comparison scenarios */
.scenario-name-label{display:block;margin:5px 0 15px;font-size:13px;color:var(--navy)}.scenario-name{font-weight:650;border-color:#b7c7d8;background:#fafcff}.scenario-name:focus{outline:2px solid #b38a46;outline-offset:1px}th{white-space:normal;min-width:95px;overflow-wrap:anywhere}

.cloud-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:13px 0;border-bottom:1px solid #e3e8ee}.cloud-row small{display:block;color:#617184;margin-top:5px}.cloud-buttons{display:flex;gap:6px;flex-wrap:wrap}.cloud-buttons button{padding:8px 10px;font-size:12px}@media(max-width:550px){.cloud-row{align-items:flex-start;flex-direction:column}}

/* V18 client-organized quote library */
.cloud-library-toolbar{display:flex;align-items:end;justify-content:space-between;gap:14px;flex-wrap:wrap;margin:20px 0 8px}.cloud-library-toolbar label{min-width:210px;max-width:360px;flex:1}.cloud-library-toolbar .fine{margin-bottom:15px}.cloud-client-group{border:1px solid #dce3ea;border-radius:12px;padding:12px 16px;margin:12px 0;background:#fcfdff}.cloud-client-group h3{font-size:16px;color:#102b46;margin:3px 0 8px}.cloud-count{font-size:12px;color:#617184;font-weight:500;margin-left:6px}.cloud-client-group .cloud-row:last-child{border-bottom:0}

/* V29 enhancements */
.langbar{display:flex;justify-content:flex-end;gap:8px;margin:8px 0 16px}.langbar button{border:1px solid #cbd5e1;border-radius:9px;background:#fff;color:#17334f;padding:8px 14px;cursor:pointer}.langbar button.selected{background:#17334f;color:#fff}.bd-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:16px}.bd-box{padding:14px;border:1px solid #d8e0e8;border-radius:12px;background:#f6f8fb}.bd-box strong{display:block;font-size:22px;color:#102b46;margin-top:5px}.bd-box small{color:#536579}.bd-note{margin-top:12px;font-size:13px;color:#4b5f73}.public-actions{flex-wrap:wrap}

/* V34: branded calculator hero — photo and identity, desktop/mobile */
.calculator-brand-hero{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:218px;padding:28px 34px;overflow:hidden}
.calculator-brand-copy{flex:1;min-width:0}
.calculator-brand-hero .eyebrow{display:block;color:#e7c892;font-size:12px;letter-spacing:2px}
.calculator-brand-hero h1{font-size:clamp(27px,4vw,38px);line-height:1.13;margin:15px 0 8px}
.calculator-brand-hero p{font-size:15px;line-height:1.45}
.calculator-brand-signature{display:flex;flex-direction:column;gap:3px;margin-top:19px;padding-left:13px;border-left:3px solid #d4ad6b}
.calculator-brand-signature strong{font-size:17px;color:#fff}
.calculator-brand-signature span{font-size:12px;color:#d8e2ec}
.calculator-brand-photo{display:block;flex:0 0 156px;width:156px;height:156px;object-fit:cover;object-position:center;border-radius:50%;border:3px solid #d4ad6b;background:#d9e2ec;box-shadow:0 6px 20px #07182a66}
@media(max-width:540px){.calculator-brand-hero{padding:22px 18px;gap:12px;min-height:0}.calculator-brand-hero h1{font-size:clamp(23px,6vw,31px)}.calculator-brand-hero p{font-size:13px}.calculator-brand-hero .eyebrow{font-size:9px;letter-spacing:1.1px}.calculator-brand-photo{flex-basis:94px;width:94px;height:94px;border-width:2px}.calculator-brand-signature{margin-top:15px;padding-left:9px}.calculator-brand-signature strong{font-size:14px}.calculator-brand-signature span{font-size:10px}}
@media(max-width:365px){.calculator-brand-hero{gap:9px;padding:19px 13px}.calculator-brand-photo{flex-basis:76px;width:76px;height:76px}.calculator-brand-hero h1{font-size:23px}}

.bd-broker-preview{margin-top:10px;padding:11px 13px;border-radius:9px;background:#eef3f8;color:#18324d;font-size:13px;line-height:1.65}.bd-broker-preview strong{color:#15304a}

/* V38: readable public three-scenario buydown schedules */
.bd-compare-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(125px,1fr));gap:9px;margin-top:10px}.bd-compare-grid>div{background:white;border:1px solid #d9e3eb;border-radius:8px;padding:10px}.bd-compare-grid strong{display:block;font-size:18px}.bd-compare-grid small{display:block;font-size:11px;color:#536579}.bd-broker-preview p{margin:10px 0 0}