:root{
    --navy-950:#071527;
    --navy-900:#0a1f3d;
    --navy-800:#0f2a52;
    --navy-700:#173a6b;
    --navy-500:#2f5590;
    --navy-300:#8fa6c8;
    --navy-100:#e7ecf4;
    --gold:#b98b3e;
    --white:#ffffff;
    --paper:#f7f8fb;
    --ink:#0a1f3d;
    --ink-soft:#5b6b85;
    --line:#dfe4ee;
    --pos:#1c6e4a;
  }
  *{box-sizing:border-box;}
  html,body{margin:0;padding:0;}
  body{
    background:var(--navy-900);
    color:var(--white);
    font-family:'Inter',sans-serif;
    -webkit-font-smoothing:antialiased;
  }
  .wrap{max-width:1240px;margin:0 auto;padding:0 32px 100px;}

  /* ===== Site header (shared component, js/header.js) ===== */
  .site-header{
    background:var(--navy-950);
  }

  /* -- Top-top banner: left col = logo + search, right col = ad + auth -- */
  .topbar-top{
    background:var(--navy-950);
    border-bottom:1px solid rgba(143,166,200,0.15);
  }
  .topbar-top-inner{
    display:flex;
    flex-direction:column;
    padding:20px 24px;
  }
  .topbar-row{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:24px;
  }
  .topbar-row + .topbar-row{
    margin-top:26px;
  }
  .topbar-row-right{
    display:flex;
    align-items:center;
    gap:14px;
  }

  /* Google Website Translator widget — kept in the DOM because the API
     needs it to attach to, but hidden since translation now happens
     automatically based on the visitor's browser language (see the
     detectTargetLang()/triggerTranslation() script in index.html). */
  #google_translate_element{
    display:none !important;
  }
  /* Google injects a fixed banner iframe at the very top of the page while
     translating — hide it and cancel the body offset it adds. */
  .goog-te-banner-frame{
    display:none !important;
  }
  body{
    top:0 !important;
  }
  .ad-slot{
    display:flex;
    align-items:center;
    justify-content:center;
    gap:10px;
    border:1px dashed var(--navy-500);
    border-radius:6px;
    color:var(--navy-300);
    font-size:13px;
    font-weight:600;
    letter-spacing:0.03em;
    padding:20px 40px;
    min-width:280px;
    min-height:44px;
  }
  .ad-slot .ad-tag{
    border:1px solid var(--navy-500);
    border-radius:3px;
    padding:2px 6px;
    font-size:10px;
    letter-spacing:0.06em;
  }
  .auth-buttons{
    display:flex;
    gap:10px;
  }
  .auth-buttons a{
    font-size:13px;
    font-weight:700;
    text-decoration:none;
    padding:9px 20px;
    border-radius:6px;
    transition:background .15s, color .15s, border-color .15s;
  }
  .auth-buttons .btn-ghost{
    color:var(--navy-300);
    border:1px solid var(--navy-500);
    background:transparent;
  }
  .auth-buttons .btn-ghost:hover{
    color:var(--white);
    border-color:var(--navy-300);
  }
  .auth-buttons .btn-solid{
    color:var(--navy-950);
    background:var(--white);
    border:1px solid var(--white);
  }
  .auth-buttons .btn-solid:hover{
    background:var(--navy-100);
  }
  .site-header .logo-link{
    display:flex;
    align-items:center;
    text-decoration:none;
  }
  .site-header .site-logo{
    height:84px;
    width:auto;
    display:block;
  }

  .search-box{
    display:flex;
    align-items:center;
    gap:10px;
    width:340px;
    max-width:100%;
    background:rgba(255,255,255,0.06);
    border:1px solid rgba(143,166,200,0.3);
    border-radius:8px;
    padding:10px 14px;
    transition:border-color .15s, background .15s;
  }
  .search-box:focus-within{
    border-color:var(--navy-300);
    background:rgba(255,255,255,0.1);
  }
  .search-box .search-icon{
    width:16px;
    height:16px;
    color:var(--navy-300);
    flex-shrink:0;
  }
  .search-box input{
    flex:1;
    min-width:0;
    border:none;
    background:transparent;
    outline:none;
    color:var(--white);
    font-family:'Inter',sans-serif;
    font-size:14px;
    font-weight:500;
  }
  .search-box input::placeholder{
    color:var(--navy-300);
  }

  /* -- Top-mid banner: site map / main navigation with hover dropdowns -- */
  .topbar-mid{
    background:var(--navy-800);
    border-bottom:1px solid var(--navy-700);
  }
  .topbar-mid-inner{
    display:flex;
    align-items:center;
    gap:28px;
    padding:13px 24px;
    overflow-x:auto;
    scrollbar-width:none;
  }
  .topbar-mid-inner::-webkit-scrollbar{display:none;}
  .nav-item{
    position:relative;
  }
  .nav-item > a{
    display:block;
    color:var(--navy-300);
    text-decoration:none;
    font-size:14px;
    font-weight:600;
    white-space:nowrap;
    padding:4px 0;
    border-bottom:2px solid transparent;
    transition:color .15s, border-color .15s;
  }
  .nav-item:hover > a,
  .nav-item > a.active{
    color:var(--white);
    border-bottom-color:var(--gold);
  }
  .nav-dropdown{
    display:none;
    flex-direction:column;
    position:absolute;
    top:100%;
    left:0;
    margin-top:13px;
    background:var(--navy-900);
    border:1px solid var(--navy-700);
    border-radius:8px;
    min-width:170px;
    padding:6px;
    box-shadow:0 20px 40px -16px rgba(0,0,0,0.5);
    z-index:20;
  }
  .nav-item:hover .nav-dropdown{
    display:flex;
  }
  .nav-dropdown a{
    display:flex;
    align-items:center;
    gap:10px;
    color:var(--navy-300);
    text-decoration:none;
    font-size:13px;
    font-weight:600;
    padding:9px 10px;
    border-radius:5px;
    white-space:nowrap;
    transition:background .15s, color .15s;
  }
  .nav-dropdown a:hover{
    background:var(--navy-800);
    color:var(--white);
  }
  .nav-dropdown a .dd-index{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    width:18px;
    height:18px;
    border-radius:50%;
    background:var(--navy-700);
    color:var(--navy-300);
    font-size:10px;
    font-weight:700;
    flex-shrink:0;
  }
  .nav-dropdown a:hover .dd-index{
    background:var(--gold);
    color:var(--navy-950);
  }

  /* ===== Page intro (per-page hero, sits under the shared header) ===== */
  .page-intro{
    background:var(--navy-900);
    color:var(--white);
    padding:56px 24px 120px;
    position:relative;
    overflow:hidden;
  }
  .page-intro .wrap{position:relative;z-index:2;padding-bottom:0;}
  .eyebrow{
    font-size:13px;
    letter-spacing:0.14em;
    text-transform:uppercase;
    color:var(--navy-300);
    font-weight:600;
    margin-bottom:18px;
  }
  h1{
    font-family:'Source Serif 4',serif;
    font-weight:600;
    font-size:44px;
    line-height:1.15;
    margin:0 0 16px;
    letter-spacing:-0.01em;
  }
  .page-intro p.sub{
    font-size:16px;
    color:var(--navy-300);
    max-width:540px;
    line-height:1.6;
    margin:0;
  }
  .stairs{
    position:absolute;
    right:-10px;
    bottom:0;
    display:flex;
    align-items:flex-end;
    gap:6px;
    height:170px;
    opacity:0.9;
  }
  .stairs .bar{
    width:16px;
    background:linear-gradient(180deg,var(--gold),#8f6a2c);
    border-radius:3px 3px 0 0;
    transform-origin:bottom;
    animation:rise 1.1s cubic-bezier(.2,.8,.2,1) both;
  }
  @keyframes rise{from{transform:scaleY(0);}to{transform:scaleY(1);}}

  .toggle-row{
    margin-top:-56px;
    position:relative;
    z-index:4;
    display:flex;
    justify-content:center;
  }
  .toggle{
    display:inline-flex;
    background:var(--white);
    border:1px solid var(--line);
    border-radius:999px;
    padding:4px;
    box-shadow:0 14px 30px -18px rgba(10,31,61,0.35);
  }
  .toggle button{
    border:none;
    background:transparent;
    padding:10px 24px;
    font-size:14px;
    font-weight:700;
    font-family:'Inter',sans-serif;
    color:var(--ink-soft);
    border-radius:999px;
    cursor:pointer;
    transition:background .15s, color .15s;
  }
  .toggle button.active{
    background:var(--navy-900);
    color:var(--white);
  }

  .card{
    background:var(--white);
    border:1px solid var(--line);
    border-radius:14px;
    box-shadow:0 20px 40px -24px rgba(10,31,61,0.25);
    margin-top:24px;
    position:relative;
    z-index:3;
    padding:36px;
  }
  .panel{display:none;}
  .panel.active{display:block;}

  .field-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:20px;
    margin-bottom:8px;
  }
  .field-grid.two{grid-template-columns:repeat(2,1fr);}
  .field-note{
    font-size:12px;
    color:var(--ink-soft);
    margin-top:6px;
  }
  label{
    display:block;
    font-size:13px;
    font-weight:600;
    color:var(--ink-soft);
    margin-bottom:8px;
  }
  .input-box{
    position:relative;
    display:flex;
    align-items:center;
    border:1.5px solid var(--line);
    border-radius:8px;
    background:var(--paper);
    transition:border-color .15s, background .15s;
  }
  .input-box:focus-within{
    border-color:var(--navy-500);
    background:var(--white);
  }
  .input-box input, .input-box select{
    width:100%;
    border:none;
    background:transparent;
    padding:13px 14px;
    font-size:16px;
    font-family:'Inter',sans-serif;
    font-weight:600;
    color:var(--ink);
    outline:none;
    -moz-appearance:textfield;
  }
  .input-box select{
    appearance:none;
    -webkit-appearance:none;
    padding-right:8px;
    cursor:pointer;
  }
  .input-box input::-webkit-outer-spin-button,
  .input-box input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0;}
  .input-box .unit{
    padding-right:14px;
    font-size:14px;
    color:var(--ink-soft);
    font-weight:600;
    white-space:nowrap;
  }
  .split-pair{display:flex;gap:10px;}
  .split-pair .input-box{flex:1;}

  .effective-rate{
    margin-top:18px;
    background:var(--navy-100);
    border-radius:8px;
    padding:12px 16px;
    font-size:13px;
    color:var(--navy-700);
    font-weight:600;
  }
  .effective-rate b{
    font-family:'Source Serif 4',serif;
    font-size:15px;
  }

  .calc-btn{
    width:100%;
    margin-top:22px;
    background:var(--navy-900);
    color:var(--white);
    border:none;
    border-radius:8px;
    padding:15px;
    font-size:15px;
    font-weight:700;
    letter-spacing:0.01em;
    cursor:pointer;
    transition:background .15s, transform .1s;
  }
  .calc-btn:hover{background:var(--navy-700);}
  .calc-btn:active{transform:translateY(1px);}

  .results{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:1px;
    background:var(--line);
    border:1px solid var(--line);
    border-radius:10px;
    overflow:hidden;
    margin-top:28px;
  }
  .results.three{grid-template-columns:1fr 1fr 1fr;}
  .result-cell{
    background:var(--navy-100);
    padding:22px 24px;
  }
  .result-cell.final{background:var(--navy-900);}
  .result-cell .r-label{
    font-size:12px;
    font-weight:700;
    letter-spacing:0.08em;
    text-transform:uppercase;
    color:var(--navy-500);
    margin-bottom:8px;
  }
  .result-cell.final .r-label{color:var(--navy-300);}
  .result-cell .r-value{
    font-family:'Source Serif 4',serif;
    font-size:28px;
    font-weight:600;
    color:var(--navy-900);
    font-variant-numeric:tabular-nums;
  }
  .result-cell.final .r-value{color:var(--white);}
  .result-cell .r-value span.unit{
    font-size:16px;
    font-weight:500;
    margin-left:2px;
    color:inherit;
    opacity:0.7;
  }

  .table-section{margin-top:44px;}
  .table-section h2{
    font-family:'Source Serif 4',serif;
    font-size:20px;
    font-weight:600;
    margin:0 0 16px;
  }
  .table-scroll{
    border:1px solid var(--line);
    border-radius:10px;
    overflow:hidden;
    background:var(--white);
  }
  table{width:100%;border-collapse:collapse;font-size:14px;}
  thead th{
    background:var(--navy-900);
    color:var(--white);
    text-align:right;
    padding:12px 16px;
    font-weight:600;
    font-size:12.5px;
    letter-spacing:0.03em;
  }
  thead th:first-child{text-align:left;}
  tbody td{
    padding:11px 16px;
    text-align:right;
    border-top:1px solid var(--line);
    font-variant-numeric:tabular-nums;
    color:var(--ink);
  }
  tbody td:first-child{
    text-align:left;
    color:var(--ink-soft);
    font-weight:600;
  }
  tbody tr:nth-child(even){background:var(--paper);}
  tbody td.profit{color:var(--pos);font-weight:600;}
  tbody td.rate{color:var(--navy-500);font-weight:600;}

  /* ===== Site footer (shared component, js/footer.js) ===== */
  .site-footer{
    background:var(--navy-950);
    color:var(--navy-300);
    margin-top:60px;
    border-top:1px solid rgba(143,166,200,0.15);
    justify-content: left;
    align-items:left;
  }
  .site-footer-inner{
    padding:24px;
    align-items:left;
  }
  .site-footer-brand{
    font-family:'Source Serif 4',serif;
    align-items:left;
    font-size:15px;
    font-weight:600;
    color:var(--white);
  }
  .site-footer-links{
    display:flex;
    gap:20px;
    flex-wrap:wrap;
  }
  .site-footer-links a{
    color:var(--navy-300);
    text-decoration:none;
    font-size:13px;
    font-weight:600;
  }
  .site-footer-links a:hover{color:var(--white);}
  .site-footer-copy{
    font-size:12px;
    color:var(--navy-500);
    padding:0 24px 24px;
  }

  /* ===== Side banners (shared components, js/left-banner.js + js/right-banner.js) ===== */
  /* Plain blank white boxes for now — hidden below 1700px so they never
     overlap page content; see responsive.css for the breakpoint. */
  .side-banner{
    display:none;
    position:fixed;
    top:50%;
    transform:translateY(-50%);
    width:160px;
    height:600px;
    max-height:70vh;
    background:var(--white);
    border-radius:8px;
    z-index:15;
  }
  .side-banner-left{left:24px;}
  .side-banner-right{right:24px;}