:root {
  --red:#c8102e;
  --red-dark:#981128;
  --ink:#171717;
  --muted:#666;
  --line:#dedede;
  --soft:#f5f5f4;
  --white:#fff;
  --green:#147a4b;
  --amber:#9a6700;
  --shadow:0 16px 42px rgba(0,0,0,.08);
}
*{box-sizing:border-box}
html{font-size:16px}
body{margin:0;background:#ececeb;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.45}
button,input{font:inherit}
button,a{touch-action:manipulation}
.topbar{position:sticky;top:0;z-index:20;display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px;padding:12px clamp(16px,3vw,44px);background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{display:grid;place-items:center;width:42px;height:42px;background:var(--red);color:white;font-weight:900;font-family:Georgia,serif;font-size:1.45rem}
.brand strong,.brand span{display:block}.brand strong{font-size:1rem}.brand span{font-size:.8rem;color:var(--muted)}
.top-actions{display:flex;gap:8px}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:10px 16px;border:1px solid transparent;border-radius:7px;font-weight:750;text-decoration:none;cursor:pointer;transition:.18s ease}
.button:hover{transform:translateY(-1px)}
.button.dark{background:var(--ink);color:white}.button.ghost{background:white;border-color:var(--line);color:var(--ink)}.button.red{background:var(--red);color:white}.button.red:hover{background:var(--red-dark)}
main{max-width:1600px;margin:0 auto;padding:22px clamp(12px,2vw,32px) 40px}
.decision-bar{display:grid;grid-template-columns:minmax(280px,1.4fr) minmax(420px,1fr);gap:28px;align-items:center;padding:22px 26px;background:var(--ink);color:white;border-top:4px solid var(--red);box-shadow:var(--shadow)}
.decision-bar h1{margin:3px 0 5px;font:700 clamp(1.45rem,2.4vw,2.15rem)/1.15 Georgia,serif}.decision-bar p{margin:0;color:#c8c8c8;max-width:720px}
.eyebrow{display:block;color:var(--red);font-size:.72rem;font-weight:850;letter-spacing:.13em;text-transform:uppercase}
.decision-bar .eyebrow{color:#ff6a7f}
.decision-metrics{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid #3c3c3c;border-radius:9px;overflow:hidden}
.decision-metrics div{padding:14px 16px;border-left:1px solid #3c3c3c}.decision-metrics div:first-child{border-left:0}.decision-metrics span,.decision-metrics strong{display:block}.decision-metrics span{color:#a9a9a9;font-size:.75rem}.decision-metrics strong{margin-top:2px;font-size:1.4rem}
.workspace{display:grid;grid-template-columns:minmax(330px,420px) minmax(0,1fr);align-items:start;background:white;box-shadow:var(--shadow)}
.inputs-panel{position:sticky;top:77px;max-height:calc(100vh - 77px);overflow:auto;padding:24px;background:#fafafa;border-right:1px solid var(--line)}
.panel-heading,.section-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:16px}.panel-heading h2,.section-heading h2,.advisor h2{margin:4px 0 0;font:700 1.35rem/1.2 Georgia,serif}.text-button{padding:4px;border:0;background:none;color:var(--red);font-weight:750;cursor:pointer}
fieldset{margin:22px 0 0;padding:18px 0 0;border:0;border-top:1px solid var(--line)}legend{padding:0 10px 0 0;font-weight:850;font-size:.9rem}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 12px}
label{display:block;color:#444;font-size:.78rem;font-weight:700}
.input-wrap{display:flex;align-items:center;margin-top:5px;background:white;border:1px solid #cfcfcd;border-radius:6px;overflow:hidden;transition:.15s}
.input-wrap:focus-within{border-color:var(--red);box-shadow:0 0 0 3px rgba(200,16,46,.1)}
.input-wrap span{padding:0 10px;color:#777;font-size:.78rem;white-space:nowrap}.input-wrap.prefix span{border-right:1px solid #e6e6e4}.input-wrap.suffix span{border-left:1px solid #e6e6e4}
input{width:100%;min-width:0;height:42px;padding:8px 9px;border:0;outline:0;background:transparent;font-weight:700;color:var(--ink)}
.results-panel{min-width:0;padding:0 28px 30px}
.tabs{position:sticky;top:77px;z-index:10;display:flex;gap:24px;background:white;border-bottom:1px solid var(--line)}
.tab{position:relative;padding:19px 2px 16px;border:0;background:none;color:#777;font-size:.84rem;font-weight:800;cursor:pointer}.tab.active{color:var(--ink)}.tab.active:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:3px;background:var(--red)}
.tab-panel{display:none;padding-top:26px}.tab-panel.active{display:block}
.section-heading p{max-width:560px;margin:2px 0 0;color:var(--muted);font-size:.83rem;text-align:right}
.status-pill{padding:7px 10px;background:var(--soft);border-radius:99px;color:var(--muted);font-size:.72rem;font-weight:800}.status-pill.good{background:#e8f6ee;color:var(--green)}.status-pill.warn{background:#fff2d4;color:var(--amber)}.status-pill.bad{background:#fde9ec;color:var(--red)}
.metric-section{padding-bottom:28px}.metric-section+.metric-section{padding-top:26px;border-top:1px solid var(--line)}
.metric-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:18px}
.metric{min-height:106px;padding:15px;background:var(--soft);border:1px solid transparent;border-radius:7px}.metric.feature{background:white;border-color:#d2d2d0;box-shadow:0 5px 18px rgba(0,0,0,.045)}
.metric span,.metric strong,.metric small{display:block}.metric span{color:#666;font-size:.75rem;font-weight:700}.metric strong{margin-top:8px;font-size:1.3rem;letter-spacing:-.025em}.metric small{margin-top:6px;color:#777;font-size:.68rem}
.lender .metric.feature{border-left:4px solid var(--red)}
.value-section{padding:26px;background:var(--ink);color:white;border-left:4px solid var(--red)}
.value-section h2{margin:4px 0 0;font:700 1.35rem Georgia,serif}
.value-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-top:18px;background:#414141}.value-cards article{padding:17px;background:#232323}.value-cards span,.value-cards strong,.value-cards small{display:block}.value-cards span{color:#aaa;font-size:.72rem}.value-cards strong{margin-top:5px;font-size:1.2rem}.value-cards small{margin-top:5px;color:#999;font-size:.67rem}
.review-notes{display:grid;grid-template-columns:minmax(220px,.7fr) 1.3fr;gap:28px;margin-top:22px;padding:22px 24px;border:1px solid var(--line);border-left:4px solid var(--red);background:#fafafa}.review-notes h2{margin:4px 0 0;font:700 1.25rem/1.2 Georgia,serif}.review-notes ul{display:grid;grid-template-columns:1fr 1fr;gap:12px 22px;margin:0;padding-left:18px;color:#555;font-size:.78rem}.review-notes li::marker{color:var(--red)}
.scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px}
.scenario-card{padding:20px;border:1px solid var(--line);border-radius:8px}.scenario-card.base{border-top:4px solid var(--red);box-shadow:var(--shadow)}.scenario-card h3{margin:0 0 2px;font:700 1.15rem Georgia,serif}.scenario-card>p{margin:0 0 18px;color:var(--muted);font-size:.75rem}.scenario-row{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-top:1px solid #ececea;font-size:.78rem}.scenario-row strong{font-size:.86rem}
.table-wrap{overflow:auto;margin-top:20px;border:1px solid var(--line);border-radius:7px}table{width:100%;border-collapse:collapse;white-space:nowrap}th,td{padding:12px 14px;border-bottom:1px solid #e9e9e7;text-align:right;font-size:.78rem}th:first-child,td:first-child{text-align:left}th{background:#f1f1ef;color:#555;font-size:.7rem;text-transform:uppercase;letter-spacing:.06em}tbody tr:last-child td{border-bottom:0}tbody tr:last-child{background:#faf2f4}
.method-note{margin-top:18px;padding:15px 17px;background:#f5f5f3;border-left:3px solid #aaa}.method-note strong{font-size:.78rem}.method-note p{margin:4px 0 0;color:#666;font-size:.75rem}
.advisor{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:28px;padding:24px;background:#f4f4f2;border-top:1px solid var(--line)}.advisor p{margin:6px 0 0;color:var(--muted);font-size:.85rem}
footer{padding:22px 0 0;color:#555;font-size:.76rem}footer p{margin:0 0 8px}.disclaimer{color:#888;font-size:.68rem}
.toast{position:fixed;right:20px;bottom:20px;z-index:40;padding:12px 16px;background:var(--ink);color:white;border-radius:6px;opacity:0;transform:translateY(12px);pointer-events:none;transition:.2s}.toast.show{opacity:1;transform:none}
.negative{color:var(--red)!important}.positive{color:var(--green)!important}
@media(max-width:1100px){.decision-bar{grid-template-columns:1fr}.workspace{grid-template-columns:350px minmax(0,1fr)}.metric-grid{grid-template-columns:repeat(2,1fr)}.value-cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.topbar{position:static;align-items:flex-start}.brand span{display:none}.top-actions{flex-direction:column}.top-actions .button{min-height:36px;padding:7px 10px;font-size:.74rem}main{padding:0}.decision-bar{box-shadow:none}.workspace{display:block}.inputs-panel{position:static;max-height:none;border-right:0;border-bottom:1px solid var(--line)}.results-panel{padding:0 16px 24px}.tabs{top:0;gap:15px;overflow-x:auto}.tab{white-space:nowrap}.scenario-grid{grid-template-columns:1fr}.advisor{align-items:flex-start;flex-direction:column}.advisor .button{width:100%}}
@media(max-width:820px){.review-notes{grid-template-columns:1fr}.review-notes ul{grid-template-columns:1fr}}
@media(max-width:520px){.decision-bar{padding:20px 16px}.decision-metrics div{padding:10px}.decision-metrics strong{font-size:1.05rem}.field-grid{grid-template-columns:1fr 1fr}.inputs-panel{padding:20px 16px}.metric-grid,.value-cards{grid-template-columns:1fr 1fr}.metric{min-height:96px;padding:12px}.metric strong{font-size:1.05rem}.section-heading{display:block}.section-heading .status-pill{display:inline-block;margin-top:10px}.section-heading p{text-align:left;margin-top:8px}th,td{padding:10px}}
@media print{body{background:white}.topbar,.inputs-panel,.tabs,.advisor,.toast{display:none!important}main{max-width:none;padding:0}.decision-bar{break-inside:avoid}.workspace{display:block;box-shadow:none}.results-panel{padding:0}.tab-panel{display:block!important;padding-top:20px}.metric-section,.value-section,.scenario-card,.method-note{break-inside:avoid}.metric-grid{grid-template-columns:repeat(4,1fr)}.scenario-grid{grid-template-columns:repeat(3,1fr)}footer{border-top:1px solid #ccc;margin-top:20px}}