:root{
  --navy:#061b3a;
  --navy-2:#0b2b55;
  --gold:#c9931a;
  --gold-2:#e2b341;
  --ink:#172033;
  --muted:#65758b;
  --line:#dbe3ef;
  --soft:#f6f8fb;
  --white:#ffffff;
  --green:#127c52;
  --red:#b42318;
  --shadow:0 20px 50px rgba(6,27,58,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,Segoe UI,Arial,sans-serif;
  color:var(--ink);
  background:linear-gradient(180deg,#f7f9fd 0%,#eef3fa 100%);
}
.app-shell{max-width:1560px;margin:0 auto;padding:24px}
.topbar{
  display:flex;align-items:center;justify-content:space-between;gap:24px;
  background:var(--white);border:1px solid var(--line);border-radius:22px;padding:18px 22px;box-shadow:var(--shadow);
}
.brand-wrap{display:flex;align-items:center;gap:20px;min-width:0}
.brand-logo{width:250px;max-height:92px;object-fit:contain;display:block;background:#fff;border-radius:8px}
.page-logo{width:250px;max-height:92px;object-fit:contain;background:#fff;border-radius:8px}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-weight:800;color:var(--gold);font-size:12px;margin:0 0 6px}
h1{font-size:clamp(26px,3vw,42px);line-height:1.02;color:var(--navy);margin:0;font-weight:900;letter-spacing:-.03em}
h2{font-size:24px;color:var(--navy);margin:0 0 5px;font-weight:900;letter-spacing:-.02em}
h3{margin:0;color:var(--navy);font-weight:900}.top-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.btn{border:0;border-radius:999px;padding:12px 18px;font-weight:900;cursor:pointer;transition:.2s;font-size:14px}
.btn.primary{background:var(--navy);color:#fff}.btn.primary:hover{background:#0e3362;transform:translateY(-1px)}
.btn.secondary{background:#f2f5fa;color:var(--navy);border:1px solid var(--line)}.btn.secondary:hover{background:#fff;transform:translateY(-1px)}
.tab-nav{display:flex;gap:10px;margin:18px 0;flex-wrap:wrap}.tab-btn{border:1px solid var(--line);background:#fff;color:var(--navy);font-weight:900;border-radius:999px;padding:12px 22px;cursor:pointer;box-shadow:0 8px 18px rgba(6,27,58,.06)}.tab-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.tab-panel{display:none}.tab-panel.active{display:block}
.calculator-layout{display:grid;grid-template-columns:390px 1fr;gap:22px;align-items:start}
.input-panel,.results-panel,.info-card,.presentation-flow,.summary-report,.page-card,.costs-page{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow)}
.input-panel{padding:20px;position:sticky;top:18px;max-height:calc(100vh - 36px);overflow:auto}.results-panel{padding:24px;overflow:hidden}
.section-heading{display:flex;gap:13px;align-items:center;margin-bottom:18px}.section-heading p,.program-header p,.summary-title p{margin:0;color:var(--muted);font-size:14px;line-height:1.35}.section-number{width:38px;height:38px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--gold),#f1c85b);color:#fff;font-weight:900;font-size:20px;box-shadow:0 8px 20px rgba(201,147,26,.3);flex:none}.section-heading.wide h2{font-size:34px}.section-heading.wide p{font-size:16px}
details{border:1px solid var(--line);border-radius:16px;margin:12px 0;background:#fbfcfe;overflow:hidden}summary{cursor:pointer;padding:13px 14px;font-weight:900;color:var(--navy);list-style:none}summary::-webkit-details-marker{display:none}details[open] summary{border-bottom:1px solid var(--line);background:#fff}.input-grid{display:grid;grid-template-columns:1fr;gap:12px;padding:14px}.input-grid.compact{grid-template-columns:1fr 1fr;padding:0;margin-bottom:12px}.input-grid.no-padding{padding:0;margin:0}.assumptions-grid{grid-template-columns:1fr 1fr}
label{display:grid;gap:6px;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:#42526a;font-weight:900}input{width:100%;border:1px solid #cfd9e6;border-radius:12px;background:#fff;padding:12px 13px;font-size:16px;color:var(--ink);font-weight:800;outline:none}input:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,147,26,.13)}
.metric-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-bottom:24px}.metric-card{background:linear-gradient(180deg,#092247,#061b3a);color:#fff;border-radius:18px;padding:18px;border:1px solid rgba(255,255,255,.18);position:relative;overflow:hidden}.metric-card:after{content:"";position:absolute;right:-34px;top:-34px;width:100px;height:100px;border-radius:50%;background:rgba(201,147,26,.18)}.metric-card span{display:block;color:#d7b25e;text-transform:uppercase;font-size:12px;letter-spacing:.12em;font-weight:900;margin-bottom:9px}.metric-card strong{font-size:24px;line-height:1.08}.metric-card em{display:block;font-style:normal;color:#c8d4e5;font-size:13px;margin-top:8px}
.program-header{display:flex;align-items:center;justify-content:space-between;gap:16px;margin:10px 0 14px}.program-header.spaced{margin-top:32px}.program-pill{display:inline-flex;align-items:center;justify-content:center;background:var(--navy);color:#fff;padding:10px 16px;border-radius:999px;font-size:14px;font-weight:900;white-space:nowrap}.program-pill.gold{background:linear-gradient(135deg,var(--gold),#efc458);color:#081d3a}.result-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.result-card{border:1px solid var(--line);border-top:6px solid var(--navy);border-radius:18px;background:#fff;box-shadow:0 12px 26px rgba(6,27,58,.08);overflow:hidden;display:flex;flex-direction:column}.result-card.best{border-top-color:var(--gold);box-shadow:0 16px 36px rgba(201,147,26,.20)}.result-card header{padding:16px;background:#fbfcfe;border-bottom:1px solid var(--line)}.result-card header h3{font-size:20px}.result-card header small{display:block;color:var(--muted);margin-top:4px;font-weight:800}.result-body{padding:14px;display:grid;gap:10px}.row{display:flex;justify-content:space-between;gap:10px;border-bottom:1px dashed #dde5f0;padding-bottom:8px;font-size:13px}.row span:first-child{color:#5a6980}.row strong{text-align:right;color:var(--navy)}.row.positive strong{color:var(--green)}.row.warning strong{color:var(--red)}.cash-box{margin:8px 14px 14px;padding:14px;border-radius:15px;text-align:center;background:#f5f7fb;border:1px solid var(--line)}.cash-box strong{display:block;font-size:24px;color:var(--navy)}.cash-box.warning strong{color:var(--red)}.cash-box.positive strong{color:var(--green)}.cash-box span{display:block;margin-top:4px;text-transform:uppercase;font-size:11px;letter-spacing:.1em;font-weight:900;color:#62728a}.badge{display:inline-block;border-radius:999px;background:#eaf7f0;color:var(--green);font-weight:900;font-size:11px;padding:5px 9px;margin-top:8px}
/* Welcome tab */
.welcome-hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,1fr) 420px;align-items:center;gap:30px;padding:46px 56px 42px;margin-bottom:22px;min-height:500px;border:1px solid var(--line);border-radius:24px;background:radial-gradient(circle at 80% 20%,rgba(226,179,65,.25),transparent 24%),linear-gradient(180deg,#fff 0%,#f9fbff 100%);box-shadow:var(--shadow)}
.welcome-hero:before{content:"";position:absolute;inset:auto 0 0 0;height:12px;background:linear-gradient(90deg,var(--navy),var(--gold),var(--navy))}.script-kicker{font-family:"Segoe Script","Brush Script MT",cursive;color:var(--gold);font-size:clamp(34px,4vw,62px);line-height:1;margin:0 0 4px}.welcome-copy h2{font-size:clamp(56px,6.5vw,98px);line-height:.92;margin:0;color:var(--navy);letter-spacing:-.05em;text-transform:uppercase}.gold-ribbon{display:inline-block;margin:20px 0 22px;padding:12px 22px;background:linear-gradient(135deg,#b98200,#efc85b,#b98200);color:#081d3a;border-radius:999px;font-size:26px;font-weight:900;text-transform:uppercase;letter-spacing:.02em;box-shadow:0 14px 30px rgba(201,147,26,.27)}.welcome-message{font-size:25px;line-height:1.32;color:#0f274b;max-width:850px;margin:0}.welcome-message strong{color:var(--gold)}.agent-signature-box{display:flex;align-items:flex-end;gap:18px;margin-top:30px;border-top:2px solid rgba(201,147,26,.45);padding-top:20px}.agent-signature-box span{font-size:16px;text-transform:uppercase;letter-spacing:.12em;color:#5a6980;font-weight:900}.agent-signature-box strong{font-family:"Segoe Script","Brush Script MT",cursive;font-size:46px;color:var(--gold);font-weight:600;line-height:1}.welcome-art{position:relative;min-height:390px;display:grid;place-items:center}.sunburst{position:absolute;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(226,179,65,.45),rgba(226,179,65,.12) 45%,transparent 70%);filter:blur(.2px)}.house-icon{position:relative;width:270px;height:270px;border-radius:42px;background:#fff;display:grid;place-items:center;font-size:150px;border:1px solid rgba(201,147,26,.32);box-shadow:0 28px 70px rgba(6,27,58,.12)}.key-chip,.handshake-chip{position:absolute;width:112px;height:112px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),#f4ce68);font-size:54px;box-shadow:0 18px 36px rgba(201,147,26,.35);border:6px solid #fff}.key-chip{right:44px;bottom:34px}.handshake-chip{left:20px;bottom:78px}
.presentation-flow,.summary-report{padding:28px;margin-bottom:22px}.presentation-flow h2,.summary-report h2{font-size:34px;margin-bottom:18px}.flow-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.flow-grid article{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fbfcfe;min-height:210px}.flow-grid span{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),#efc458);color:#fff;font-size:24px;font-weight:900;margin-bottom:14px}.flow-grid h3{font-size:20px;line-height:1.05;margin-bottom:12px}.flow-grid p{font-size:15px;line-height:1.45;color:#4f6075;margin:0}
/* Process tab */
.page-card{padding:28px}.page-title-row,.costs-header{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-bottom:20px}.page-title-row h2,.costs-header h2{font-size:44px;line-height:1}.page-title-row.small-gap{margin-bottom:12px}.full-flyer{display:block;width:100%;height:auto;border-radius:18px;border:1px solid var(--line);box-shadow:0 20px 50px rgba(6,27,58,.10);background:#fff}.image-page{min-height:calc(100vh - 190px)}
/* Costs tab */
.costs-page{padding:28px;overflow:hidden}.formula-banner{display:flex;align-items:center;justify-content:center;gap:22px;background:linear-gradient(180deg,#0b2b55,#061b3a);color:#fff;border:3px solid var(--gold);border-radius:22px;padding:22px 26px;font-size:clamp(22px,2.25vw,38px);font-weight:900;margin:20px 0 22px;box-shadow:0 18px 34px rgba(6,27,58,.12)}.formula-banner strong{color:var(--gold-2);font-size:1.13em}.formula-banner b{color:var(--gold-2);font-size:1.25em}.cost-card-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}.cost-card-grid article{position:relative;text-align:center;border:1px solid var(--line);border-radius:22px;background:linear-gradient(180deg,#fff,#fbfcfe);padding:24px 18px 18px;min-height:300px;box-shadow:0 12px 28px rgba(6,27,58,.06)}.cost-num{position:absolute;left:18px;top:18px;width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),#efc458);color:#fff;font-size:24px;font-weight:900}.cost-icon{width:108px;height:108px;margin:16px auto 18px;border-radius:50%;display:grid;place-items:center;background:#eef2f8;font-size:58px}.cost-card-grid h3{text-transform:uppercase;font-size:24px;line-height:1.05;border-bottom:2px solid var(--gold);padding-bottom:12px;margin-bottom:12px}.cost-card-grid p{font-size:17px;line-height:1.35;margin:0 0 14px;color:#111827}.cost-card-grid small{display:block;border-top:1px solid var(--line);padding-top:12px;color:#4f6075;font-size:14px;line-height:1.35}.simple-example{display:flex;align-items:center;gap:20px;margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:16px 18px;box-shadow:0 12px 26px rgba(6,27,58,.06)}.example-label{background:linear-gradient(180deg,#0b2b55,#061b3a);color:#fff;border-radius:16px;padding:18px 24px;font-size:25px;text-transform:uppercase;font-weight:900;white-space:nowrap;border-right:8px solid var(--gold)}.example-math{flex:1;display:grid;grid-template-columns:repeat(5,1fr auto) 1.1fr;gap:12px;align-items:center}.example-math div{min-width:0}.example-math span{display:block;color:var(--navy);font-weight:900;font-size:14px}.example-math strong{display:block;color:var(--navy);font-size:32px;line-height:1;margin-top:5px}.example-math b{font-size:32px;color:var(--navy)}.example-total{background:linear-gradient(135deg,#f3d272,#c9931a);border:2px solid #bb8612;border-radius:16px;padding:12px;text-align:center}.example-total strong{font-size:36px}.bottom-note{margin-top:20px;background:linear-gradient(180deg,#0b2b55,#061b3a);color:#fff;border-radius:18px;padding:18px 24px;font-size:20px;font-weight:800;text-align:center}
/* Assumptions */
.info-card{padding:26px}.assumption-layout{display:grid;grid-template-columns:1.2fr .8fr;gap:22px}.disclaimer-card p,.info-card p{line-height:1.55;color:#48596f}.disclaimer-card{background:#fff}.disclaimer-card h2{font-size:34px;margin-bottom:16px}
@media (max-width:1300px){.calculator-layout{grid-template-columns:1fr}.input-panel{position:relative;top:0;max-height:none}.result-grid{grid-template-columns:repeat(2,1fr)}.metric-grid{grid-template-columns:repeat(2,1fr)}.flow-grid{grid-template-columns:repeat(2,1fr)}.cost-card-grid{grid-template-columns:repeat(2,1fr)}.simple-example{display:block}.example-label{display:inline-block;margin-bottom:15px}.example-math{grid-template-columns:1fr}.example-math b{text-align:center}.welcome-hero{grid-template-columns:1fr}.welcome-art{display:none}.assumption-layout{grid-template-columns:1fr}.formula-banner{flex-wrap:wrap}.page-title-row,.costs-header{align-items:flex-start;flex-direction:column}}
@media (max-width:720px){.app-shell{padding:12px}.topbar{align-items:flex-start;flex-direction:column}.brand-logo,.page-logo{width:190px}.input-grid.compact,.metric-grid,.result-grid,.flow-grid,.cost-card-grid,.assumptions-grid{grid-template-columns:1fr}.welcome-hero{padding:30px 24px}.welcome-copy h2{font-size:46px}.welcome-message{font-size:19px}.gold-ribbon{font-size:18px}.agent-signature-box{display:block}.agent-signature-box strong{display:block;font-size:40px;margin-top:8px}.page-title-row h2,.costs-header h2{font-size:34px}.formula-banner{font-size:22px}.cost-card-grid article{min-height:auto}.simple-example{padding:14px}.example-math strong{font-size:26px}}
@media print{body{background:#fff}.app-shell{max-width:none;padding:0}.no-print,.tab-nav,.input-panel,.top-actions{display:none!important}.topbar{box-shadow:none;border:none;border-radius:0;padding:12px 0}.brand-logo{width:180px}.calculator-layout{display:block}.results-panel,.welcome-hero,.presentation-flow,.summary-report,.info-card,.page-card,.costs-page{box-shadow:none;border:1px solid #ccc;break-inside:avoid}.tab-panel{display:none!important}.tab-panel.active{display:block!important}.print-section{page-break-inside:avoid}.flow-grid{grid-template-columns:repeat(5,1fr)}.cost-card-grid{grid-template-columns:repeat(5,1fr)}.welcome-hero{grid-template-columns:1fr 300px;min-height:auto}.welcome-art{display:grid}.page-logo{width:180px}.full-flyer{box-shadow:none}.formula-banner{font-size:24px}.cost-card-grid article{min-height:260px}.cost-icon{width:80px;height:80px;font-size:42px}.example-math strong{font-size:24px}}

/* About You worksheet */
.about-sheet{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:28px;margin-bottom:22px}
.worksheet-title-row{align-items:flex-start}.worksheet-subtitle{margin:6px 0 0;color:var(--gold);font-size:24px;font-weight:900;line-height:1.1}.worksheet-actions{display:flex;justify-content:flex-end;gap:12px;margin:-8px 0 18px;flex-wrap:wrap}
.worksheet-page{background:#fff;border:2px solid var(--navy);border-radius:18px;padding:22px;margin:0 0 28px;box-shadow:0 12px 30px rgba(6,27,58,.08)}
.worksheet-grid{display:grid;gap:14px}.worksheet-grid.two-col{grid-template-columns:1fr 1fr}.worksheet-section{border:1px solid #b9c5d4;border-radius:12px;background:linear-gradient(180deg,#fff,#fbfcff);padding:14px}.worksheet-section.full{grid-column:1/-1}.worksheet-section-title{display:flex;align-items:center;gap:12px;margin:-14px -14px 12px;padding:8px 12px;border-bottom:1px solid var(--line);background:#fff;border-radius:12px 12px 0 0}.worksheet-section-title span{width:38px;height:38px;display:grid;place-items:center;border-radius:8px;background:linear-gradient(135deg,var(--navy),#0b2b55);color:#fff;font-size:24px;font-weight:900;border-right:6px solid var(--gold)}.worksheet-section-title h3{text-transform:uppercase;font-size:18px;letter-spacing:.01em;line-height:1.1}
.worksheet-form label{display:grid;gap:5px;text-transform:none;letter-spacing:0;color:#111827;font-weight:800;font-size:13px}.worksheet-form input,.worksheet-form textarea,.worksheet-form select{width:100%;border:0;border-bottom:2px solid #aeb9c8;border-radius:0;background:transparent;padding:8px 4px 5px;font-size:16px;font-weight:700;color:#162033;outline:none}.worksheet-form input:focus,.worksheet-form textarea:focus{border-bottom-color:var(--gold);box-shadow:none;background:#fffaf0}.worksheet-form textarea{min-height:56px;resize:vertical;font-family:Inter,Segoe UI,Arial,sans-serif;line-height:1.35}.worksheet-fields{display:grid;gap:11px}.field-row{display:grid;gap:10px}.compact-row{grid-template-columns:1fr auto auto;align-items:end}.mini-checks{display:flex;align-items:center;gap:11px;flex-wrap:wrap;font-size:13px;font-weight:800;color:#111827}.mini-checks span{color:#162033;font-weight:900}.mini-checks label,.checklist-grid label{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:700;color:#111827;line-height:1.25}.worksheet-form input[type="checkbox"]{width:18px;height:18px;min-width:18px;padding:0;border:2px solid #667085;border-radius:2px;accent-color:var(--navy);box-shadow:none}.mini-checks.inline{min-height:42px;border-bottom:2px solid #aeb9c8;padding-bottom:6px}.finance-grid,.home-grid,.action-grid{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:28px}.three-notes{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:14px}.three-notes label{border:2px solid var(--gold);border-radius:10px;padding:0;background:#fff}.three-notes label::before{content:attr(data-title)}.three-notes label{font-size:0}.three-notes label textarea{font-size:15px;border:0;min-height:120px;padding:42px 12px 10px}.three-notes label{position:relative;overflow:hidden}.three-notes label:after{content:"";position:absolute;left:0;right:0;top:0;height:34px;background:linear-gradient(180deg,#0b2b55,#061b3a)}.three-notes label:nth-child(1):before{content:"MUST-HAVES"}.three-notes label:nth-child(2):before{content:"NICE-TO-HAVES"}.three-notes label:nth-child(3):before{content:"DEAL BREAKERS"}.three-notes label:before{position:absolute;z-index:2;left:0;right:0;top:8px;text-align:center;color:#fff;font-size:15px;font-weight:900}.checklist-grid{display:grid;gap:9px}.docs-grid label{display:grid;grid-template-columns:18px auto 1fr;align-items:center;gap:8px}.docs-grid label input[type="text"]{padding:4px;border-bottom:2px solid #aeb9c8}.large-notes{width:100%;min-height:180px!important;border:0!important;background:repeating-linear-gradient(to bottom,#fff 0,#fff 29px,#aeb9c8 30px)!important;border-radius:0!important;line-height:30px!important;padding:0 6px!important;box-shadow:none!important}.worksheet-footer{margin-top:16px;border:2px solid var(--navy);border-radius:8px;padding:10px;text-align:center;color:var(--navy);font-weight:900;background:#fbfcff}.worksheet-footer span{color:var(--gold);padding:0 14px}

@media (max-width:1100px){.worksheet-grid.two-col,.finance-grid,.home-grid,.action-grid,.three-notes{grid-template-columns:1fr}.compact-row{grid-template-columns:1fr}.worksheet-actions{justify-content:flex-start}.worksheet-subtitle{font-size:19px}}
@media print{.about-sheet,.worksheet-page{box-shadow:none!important;border-color:#333!important}.about-sheet{padding:0;border:0!important}.worksheet-actions{display:none!important}.worksheet-title-row .page-logo{width:170px}.worksheet-page{page-break-after:always;margin:0 0 18px;padding:14px}.worksheet-page:last-child{page-break-after:auto}.worksheet-section{break-inside:avoid}.worksheet-section-title h3{font-size:15px}.worksheet-form input,.worksheet-form textarea{font-size:12px}.worksheet-form label{font-size:11px}.worksheet-subtitle{font-size:18px}.three-notes label textarea{min-height:90px}.large-notes{min-height:130px!important}.about-sheet{background:#fff!important}}

/* V4 additions: Disclaimer tab, logo placement, and print presentation */
.welcome-logo{
  position:absolute;
  right:32px;
  top:24px;
  width:230px;
  max-height:86px;
  object-fit:contain;
  background:#fff;
  border-radius:10px;
  padding:6px;
  box-shadow:0 10px 24px rgba(6,27,58,.08);
  z-index:4;
}
.calculator-print-logo-row{display:flex;justify-content:flex-end;margin-bottom:12px}.calculator-print-logo-row .page-logo{width:220px}
.disclaimer-page{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:30px;margin-bottom:22px;overflow:hidden}.disclaimer-hero{display:grid;grid-template-columns:320px 1fr;gap:28px;align-items:center;border-bottom:8px solid var(--navy);padding-bottom:18px;margin-bottom:18px}.disclaimer-logo{width:300px;max-height:110px;object-fit:contain;background:#fff;border-radius:10px}.disclaimer-hero h2{font-size:clamp(34px,4vw,58px);line-height:.95;margin:0;color:var(--navy);text-transform:uppercase}.disclaimer-subtitle{display:inline-block;margin:12px 0 0;background:linear-gradient(90deg,var(--navy),#1c3f84);color:#fff;border-radius:999px;padding:10px 16px;font-weight:900;font-size:15px}.disclaimer-mini-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:16px 0}.disclaimer-mini-row span{background:#e8edf5;color:var(--navy);font-weight:900;text-align:center;padding:12px;border-radius:8px}.disclosure-main-card{background:linear-gradient(180deg,#fbfcff,#fff);border:1px solid var(--line);border-radius:18px;box-shadow:0 12px 26px rgba(6,27,58,.06);overflow:hidden;margin-bottom:20px}.disclosure-main-card h3,.read-aloud-box h3,.disclaimer-card-grid h3{background:var(--navy);color:#fff;text-align:center;padding:12px 16px;margin:0;font-size:18px}.disclosure-main-card p{font-size:19px;line-height:1.55;text-align:center;margin:0;padding:20px 34px;color:#0f274b}.disclaimer-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:20px 0}.disclaimer-card-grid article{border:1px solid var(--line);border-left:5px solid #1c3f84;border-radius:16px;background:#fff;overflow:hidden;box-shadow:0 12px 24px rgba(6,27,58,.06)}.disclaimer-card-grid p{font-size:16px;line-height:1.45;margin:0;padding:16px;color:#213047}.read-aloud-box{border:2px solid var(--gold);border-radius:18px;overflow:hidden;background:#fffdf7;box-shadow:0 12px 24px rgba(201,147,26,.13)}.read-aloud-box h3{background:linear-gradient(90deg,#183a7a,#233f8f)}.read-aloud-box p{font-size:20px;line-height:1.45;text-align:center;font-weight:900;color:var(--navy);padding:18px 34px;margin:0}
@media (max-width:1000px){.disclaimer-hero{grid-template-columns:1fr}.disclaimer-card-grid{grid-template-columns:1fr}.welcome-logo{position:relative;right:auto;top:auto;margin:0 0 16px;width:220px}.calculator-print-logo-row{justify-content:flex-start}}

@media print{
  .topbar{display:none!important}
  body.print-all .tab-panel{display:block!important;page-break-after:always}
  body.print-all .tab-panel:last-child{page-break-after:auto}
  body.print-all .tab-panel .print-section{page-break-inside:avoid}
  .welcome-logo{position:absolute;right:24px;top:18px;width:170px;box-shadow:none;border:0;padding:0}
  .calculator-print-logo-row{display:flex!important;justify-content:flex-end!important;margin-bottom:10px!important}.calculator-print-logo-row .page-logo{width:170px!important}
  .disclaimer-page{box-shadow:none!important;border:1px solid #333!important;border-radius:0!important;padding:16px!important}.disclaimer-hero{grid-template-columns:220px 1fr;gap:18px;border-bottom:6px solid var(--navy);padding-bottom:12px;margin-bottom:12px}.disclaimer-logo{width:210px;max-height:78px}.disclaimer-hero h2{font-size:34px}.disclaimer-subtitle{font-size:11px;padding:8px 12px}.disclosure-main-card p{font-size:14px;padding:12px 18px}.disclaimer-card-grid{gap:12px}.disclaimer-card-grid p{font-size:12px}.read-aloud-box p{font-size:14px;padding:12px 18px}.disclaimer-mini-row span{padding:8px;font-size:12px}
}


/* V5 simple agent login screen */
.app-hidden{display:none!important}
.login-screen{min-height:100vh;display:grid;place-items:center;padding:28px;background:radial-gradient(circle at 76% 22%, rgba(201,147,26,.22), transparent 28%), linear-gradient(135deg,#061b3a 0%,#0d2a55 43%,#f7f9fc 43%,#ffffff 100%);position:relative;overflow:hidden}
.login-screen:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.03),rgba(255,255,255,.65));pointer-events:none}.login-card{position:relative;z-index:1;width:min(760px,94vw);background:rgba(255,255,255,.97);border:1px solid rgba(6,27,58,.12);border-radius:28px;box-shadow:0 30px 80px rgba(6,27,58,.28);padding:42px;text-align:center}.login-logo{width:min(420px,80%);max-height:145px;object-fit:contain;margin:0 auto 22px;display:block}.login-eyebrow{text-transform:uppercase;letter-spacing:.18em;color:var(--gold);font-weight:900;margin:0 0 10px}.login-card h1{font-size:clamp(34px,5vw,64px);line-height:.95;text-transform:uppercase;color:var(--navy);margin:0 auto 16px;max-width:680px}.login-message{font-size:20px;line-height:1.45;color:#27364c;max-width:610px;margin:0 auto 28px}.login-form{display:grid;gap:10px;max-width:530px;margin:0 auto}.login-form label{text-align:left;text-transform:uppercase;letter-spacing:.08em;color:var(--navy);font-weight:900;font-size:13px}.password-row{display:grid;grid-template-columns:1fr auto;gap:12px}.password-row input{border:2px solid #d6deea;border-radius:14px;padding:14px 16px;font-size:18px;font-weight:800;color:var(--navy);outline:none;background:#fff}.password-row input:focus{border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,147,26,.18)}.login-error{min-height:22px;color:#b42318;font-weight:900;margin:4px 0 0;text-align:left}@media(max-width:700px){.login-card{padding:28px}.password-row{grid-template-columns:1fr}.password-row .btn{width:100%}.login-message{font-size:17px}}
@media print{.login-screen{display:none!important}.app-hidden{display:block!important}}


/* =========================================================
   ERG DISCLOSURES TAB — added to current buyer tool
   Light/navy/gold design to match existing website.
========================================================= */
.disclosures-tab-panel{margin-bottom:22px}.disclosure-hub{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:28px;overflow:hidden}.disclosure-title-row h2{font-size:44px;line-height:1}.disclosure-subtitle{margin:6px 0 0;color:#48596f;font-weight:800}.disclosure-print-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.disclosure-tab-list{display:grid;grid-template-columns:repeat(7,minmax(120px,1fr));gap:10px;margin:18px 0}.disclosure-tab-btn{border:1px solid var(--line);background:#fff;color:var(--navy);font-weight:900;border-radius:999px;padding:12px 14px;cursor:pointer;box-shadow:0 8px 18px rgba(6,27,58,.06)}.disclosure-tab-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}.disclosure-control-row{display:grid;grid-template-columns:auto 1fr auto;gap:12px;align-items:center;margin:0 0 16px}.disclosure-control-row p{text-align:center;margin:0;color:#48596f;font-weight:900}.disclosure-sheet-stage{background:#f3f6fa;border:1px solid var(--line);border-radius:20px;padding:18px}.disclosure-sheet{display:none;position:relative;max-width:1180px;margin:0 auto;background:#fff;border:1px solid #cad5e3;border-radius:18px;box-shadow:0 14px 34px rgba(6,27,58,.10);padding:28px;overflow:hidden}.disclosure-sheet.active{display:block}.disclosure-sheet:before{content:"";position:absolute;top:0;left:0;right:0;height:10px;background:linear-gradient(90deg,var(--navy),var(--gold),var(--navy))}.sheet-print-link{position:absolute;right:18px;top:18px;z-index:5;border:1px solid rgba(201,147,26,.45);background:#fff7df;color:var(--navy);border-radius:999px;padding:9px 14px;font-weight:900;cursor:pointer}.disclosure-sheet-header{text-align:center;padding:12px 0 18px;margin-bottom:18px;border-bottom:2px solid rgba(201,147,26,.35)}.disclosure-logo{display:block;width:min(430px,72vw);max-height:150px;object-fit:contain;margin:0 auto 12px;background:#fff;border-radius:10px}.disclosure-sheet-header h2{font-size:clamp(34px,4.5vw,60px);line-height:.95;text-transform:uppercase;color:var(--navy);letter-spacing:-.03em;margin:0}.disclosure-sheet-header p:not(.eyebrow){font-size:18px;line-height:1.35;color:#48596f;margin:10px auto 0;max-width:860px}.client-guarantee-grid,.disclosure-card-grid,.disclosure-two-panel{display:grid;gap:14px}.client-guarantee-grid{grid-template-columns:repeat(3,1fr)}.disclosure-card-grid{grid-template-columns:repeat(3,1fr)}.disclosure-card-grid.two-col{grid-template-columns:repeat(2,1fr)}.disclosure-two-panel{grid-template-columns:repeat(2,1fr)}.guarantee-card,.disclosure-explain-card,.disclosure-info-panel{position:relative;border:1px solid #d7e0eb;border-radius:16px;background:linear-gradient(180deg,#fff,#fbfcff);box-shadow:0 8px 18px rgba(6,27,58,.06);padding:18px;text-align:left;color:var(--ink)}button.guarantee-card,button.disclosure-explain-card{width:100%;cursor:pointer;font:inherit}.guarantee-card h3,.disclosure-explain-card h3,.disclosure-info-panel h3{font-size:19px;text-transform:uppercase;margin:0 0 9px;color:var(--navy);line-height:1.05}.guarantee-card p,.disclosure-explain-card p,.disclosure-info-panel p,.disclosure-info-panel li{font-size:15px;line-height:1.42;color:#243047;margin:0}.disclosure-info-panel ul{margin:0;padding-left:20px;display:grid;gap:8px}.disclosure-number{width:38px;height:38px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--gold),#efc458);color:#fff;font-size:20px;font-weight:900;margin-bottom:10px;box-shadow:0 8px 18px rgba(201,147,26,.22)}.disclosure-icon{display:block;font-size:46px;margin:8px 0 10px}.inspector-card{display:grid;gap:4px;background:#f6f8fb;border:1px solid #dde5ef;border-radius:12px;padding:11px 12px;margin:10px 0}.inspector-card strong{color:var(--navy)}.inspector-card span{color:#48596f;font-weight:700}.do-panel{border-top:8px solid #127c52}.dont-panel{border-top:8px solid #b42318}.disclosure-callout{margin-top:16px;border-radius:16px;padding:18px 22px;text-align:center;background:linear-gradient(180deg,var(--navy-2),var(--navy));color:#fff;border:2px solid var(--gold);font-size:clamp(20px,2.2vw,30px);line-height:1.15;font-weight:900}.disclosure-callout.danger{background:linear-gradient(180deg,#802019,var(--navy))}.green-section-check,.small-green-check{display:none;position:absolute;z-index:4;border-radius:50%;align-items:center;justify-content:center;background:radial-gradient(circle at 32% 28%,#37f68b,#12a952);color:#fff;border:4px solid #fff;box-shadow:0 10px 24px rgba(18,169,82,.34);font-weight:900}.green-section-check{right:14px;top:14px;width:78px;height:78px;font-size:54px}.small-green-check{left:60px;top:16px;width:44px;height:44px;font-size:28px}.checked .green-section-check,.checked .small-green-check{display:inline-flex}.circle-review.checked{outline:8px solid rgba(18,169,82,.78);outline-offset:-11px;border-radius:28px;box-shadow:inset 0 0 0 4px rgba(255,255,255,.65),0 8px 24px rgba(18,169,82,.16)}.page-check-sheet{cursor:pointer}.full-page-check{display:none;position:absolute;inset:0;z-index:9;align-items:center;justify-content:center;pointer-events:none;color:#fff;font-size:min(34vw,340px);line-height:1;font-weight:900;text-shadow:0 8px 18px rgba(0,0,0,.28)}.full-page-check:before{content:"";position:absolute;width:min(42vw,440px);height:min(42vw,440px);border-radius:50%;background:rgba(18,169,82,.86);border:12px solid #fff;box-shadow:0 0 0 10px rgba(18,169,82,.27),0 18px 56px rgba(0,0,0,.26);z-index:-1}.page-checked .full-page-check{display:flex}.disclosure-review-actions{display:flex;justify-content:center;gap:10px;margin-top:16px;flex-wrap:wrap}#disclosurePrintArea{display:none}.compact-cards .disclosure-explain-card p{font-size:14px}@media(max-width:1250px){.disclosure-tab-list{grid-template-columns:repeat(4,minmax(130px,1fr))}.client-guarantee-grid,.disclosure-card-grid,.disclosure-card-grid.two-col,.disclosure-two-panel{grid-template-columns:1fr}.disclosure-control-row,.disclosure-title-row{display:block;text-align:center}.disclosure-print-actions{justify-content:center;margin-top:12px}.disclosure-control-row .btn{margin:5px}.disclosure-logo{width:min(360px,80vw)}}@media(max-width:720px){.disclosure-hub{padding:16px}.disclosure-tab-list{grid-template-columns:repeat(2,minmax(130px,1fr))}.disclosure-sheet{padding:18px}.sheet-print-link{position:relative;right:auto;top:auto;margin:0 auto 10px;display:block}.disclosure-logo{width:min(310px,86vw)}}

/* =========================================================
   PRINT SAFETY: Calculator and Assumptions never print.
   Disclosure sheets print landscape and are included in Print Presentation.
========================================================= */
@page{size:11in 8.5in;margin:.35in}@media print{#calculator,#assumptions,.calculator-layout,#calculator *,#assumptions *{display:none!important}body.print-all #calculator,body.print-all #assumptions{display:none!important}body.print-all #disclosures{display:block!important;page-break-after:auto!important}body.print-all #disclosures .disclosure-sheet{display:block!important;page-break-after:always;break-after:page}body.print-all #disclosures .disclosure-sheet:last-child{page-break-after:auto;break-after:auto}.sheet-print-link,.disclosure-title-row,.disclosure-tab-list,.disclosure-control-row,.disclosure-review-actions{display:none!important}.disclosure-hub,.disclosure-sheet-stage,.disclosure-sheet{box-shadow:none!important;border:0!important;border-radius:0!important;background:#fff!important;padding:0!important;max-width:none!important;width:100%!important;overflow:visible!important}.disclosure-sheet{page-break-after:always;break-after:page}.disclosure-sheet:before{display:none!important}.disclosure-sheet-header{padding:0 0 8px!important;margin-bottom:10px!important}.disclosure-logo{width:3.05in!important;max-height:.95in!important;margin-bottom:4px!important}.disclosure-sheet-header h2{font-size:24pt!important;color:#061b3a!important}.disclosure-sheet-header p:not(.eyebrow){font-size:11pt!important}.client-guarantee-grid,.disclosure-card-grid{grid-template-columns:repeat(3,1fr)!important;gap:8px!important}.disclosure-card-grid.two-col{grid-template-columns:repeat(2,1fr)!important}.disclosure-two-panel{grid-template-columns:repeat(2,1fr)!important;gap:8px!important}.guarantee-card,.disclosure-explain-card,.disclosure-info-panel,.inspector-card{box-shadow:none!important;border:1px solid #b7c4d3!important;padding:9px!important;break-inside:avoid}.guarantee-card h3,.disclosure-explain-card h3,.disclosure-info-panel h3{font-size:10.5pt!important}.guarantee-card p,.disclosure-explain-card p,.disclosure-info-panel li,.inspector-card{font-size:8.8pt!important;line-height:1.22!important}.disclosure-callout{font-size:13pt!important;padding:9px!important;margin-top:8px!important;background:#061b3a!important;color:#fff!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.disclosure-number{background:#c9931a!important;color:#fff!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}.green-section-check,.small-green-check,.full-page-check,.circle-review.checked{-webkit-print-color-adjust:exact;print-color-adjust:exact}body.print-disclosure-only .app-shell{display:none!important}body.print-disclosure-only #disclosurePrintArea{display:block!important}body.print-disclosure-only #disclosurePrintArea .disclosure-sheet{display:block!important}.topbar{display:none!important}}


/* =========================================================
   UPDATE: Unified section highlight review behavior
   - No full-page checkmarks
   - No large section checkmarks
   - Clicked sections highlight and show one small green check at top-right
========================================================= */

.full-page-check,
.green-section-check,
.small-green-check {
  display: none !important;
}

.page-check-sheet {
  cursor: default !important;
}

.disclosure-status-box {
  text-align: center;
}

.disclosure-status-box p {
  margin: 0;
}

.disclosure-review-counter {
  margin-top: 4px !important;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 6px 12px;
  border-radius: 999px;
  background: #eef3fa;
  border: 1px solid #dbe3ef;
  color: var(--navy) !important;
  font-size: 13px;
  font-weight: 900;
}

.disclosure-review-counter.complete {
  color: #0d6f3e !important;
  background: #e9fbf1;
  border-color: rgba(18,169,82,.35);
}

.review-section {
  cursor: pointer;
  transition: background .18s ease, border-color .18s ease, box-shadow .18s ease, outline .18s ease, transform .18s ease;
}

.review-section:hover {
  border-color: rgba(18,169,82,.45) !important;
  box-shadow: 0 10px 24px rgba(18,169,82,.10);
}

.review-section.checked {
  position: relative;
  background: linear-gradient(180deg, #f0fff6, #ffffff) !important;
  border-color: rgba(18,169,82,.82) !important;
  outline: 6px solid rgba(18,169,82,.22);
  outline-offset: -8px;
  box-shadow: inset 0 0 0 3px rgba(255,255,255,.78), 0 10px 26px rgba(18,169,82,.14) !important;
}

.review-section.checked::after {
  content: "✓";
  position: absolute;
  top: 10px;
  right: 10px;
  z-index: 7;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: radial-gradient(circle at 32% 28%, #37f68b, #12a952);
  color: white;
  border: 3px solid white;
  box-shadow: 0 7px 18px rgba(18,169,82,.35);
  font-size: 22px;
  font-weight: 900;
  line-height: 1;
}

button.review-section,
.review-section[role="button"] {
  text-align: left;
}

@media print {
  .review-section.checked {
    background: #f0fff6 !important;
    border-color: #12a952 !important;
    outline: 3px solid rgba(18,169,82,.35) !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }

  .review-section.checked::after {
    background: #12a952 !important;
    color: #fff !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }

  .full-page-check,
  .green-section-check,
  .small-green-check {
    display: none !important;
  }
}


/* =========================================================
   FINAL CORRECTION: Clean start + highlight when clicked
   - All sections open unchecked/unhighlighted because app.js clears saved review marks on page load.
   - When clicked, each section highlights AND shows a small green check.
========================================================= */

.review-section.checked,
.guarantee-card.review-section.checked,
.disclosure-explain-card.review-section.checked,
.inspector-card.review-section.checked,
.do-panel.review-section.checked,
.dont-panel.review-section.checked,
.rep-card.review-section.checked,
.big-check-card.review-section.checked,
.circle-review.review-section.checked {
  position: relative;
  background: linear-gradient(180deg, #f0fff6, #ffffff) !important;
  border-color: rgba(18,169,82,.82) !important;
  outline: 6px solid rgba(18,169,82,.22) !important;
  outline-offset: -8px !important;
  box-shadow: inset 0 0 0 3px rgba(255,255,255,.78), 0 10px 26px rgba(18,169,82,.14) !important;
}

.review-section.checked::after,
.guarantee-card.review-section.checked::after,
.disclosure-explain-card.review-section.checked::after,
.inspector-card.review-section.checked::after,
.do-panel.review-section.checked::after,
.dont-panel.review-section.checked::after,
.rep-card.review-section.checked::after,
.big-check-card.review-section.checked::after,
.circle-review.review-section.checked::after {
  content: "✓";
  position: absolute;
  top: 10px;
  right: 10px;
  z-index: 7;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: radial-gradient(circle at 32% 28%, #37f68b, #12a952);
  color: white;
  border: 3px solid white;
  box-shadow: 0 7px 18px rgba(18,169,82,.35);
  font-size: 22px;
  font-weight: 900;
  line-height: 1;
}

.review-section:hover {
  border-color: rgba(18,169,82,.45) !important;
  box-shadow: 0 10px 24px rgba(18,169,82,.10);
}

@media print {
  .review-section.checked,
  .guarantee-card.review-section.checked,
  .disclosure-explain-card.review-section.checked,
  .inspector-card.review-section.checked,
  .do-panel.review-section.checked,
  .dont-panel.review-section.checked,
  .rep-card.review-section.checked,
  .big-check-card.review-section.checked,
  .circle-review.review-section.checked {
    background: #f0fff6 !important;
    border-color: #12a952 !important;
    outline: 3px solid rgba(18,169,82,.35) !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }
}