/*
 * CalcUSA - Main Stylesheet
 * https://yourdomain.com
 * 
 * Table of Contents:
 *  1. Reset & Base
 *  2. Layout
 *  3. Header & Navigation
 *  4. Home Page
 *  5. Calculator Pages
 *  6. Sidebar
 *  7. Results & Charts
 *  8. Articles & FAQ
 *  9. Footer
 * 10. Ad Units (AdSense)
 * 11. Scientific Calculator
 * 12. Responsive - Tablet (≤820px)
 * 13. Responsive - Mobile Nav (≤640px)
 * 14. Responsive - Mobile (≤520px)
 * 15. Responsive - Tiny (≤380px)
 * 16. Print
 */

/* ════════════════════ RESET ════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:14px;line-height:1.5;scroll-behavior:smooth}
body{font-family:'Inter',Arial,sans-serif;color:#1a1a2e;background:#f0f2f5;min-height:100vh}
a{color:#1a6096;text-decoration:none}
a:hover{text-decoration:underline}
button{cursor:pointer;font-family:inherit;border:none;background:none}
input,select{font-family:inherit;font-size:inherit;border:none;background:#fff}
table{border-collapse:collapse}
ul{list-style:none}
img{display:block;max-width:100%}

/* ════════════════════ LAYOUT ════════════════════ */
.container{max-width:1080px;margin:0 auto;padding:0 16px}
.two-col{display:flex;gap:18px;align-items:flex-start;padding-top:14px}
.main-col{flex:1;min-width:0}
.side-col{width:200px;flex-shrink:0}

/* ════════════════════ HEADER ════════════════════ */
.site-header{background:linear-gradient(135deg,#0d3b6e 0%,#1a6096 60%,#1e88e5 100%);position:sticky;top:0;z-index:1000;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.header-bar{display:flex;align-items:center;gap:12px;padding:10px 16px;max-width:1080px;margin:0 auto}
.logo{display:flex;align-items:center;gap:8px;cursor:pointer;flex-shrink:0}
.logo-icon{width:36px;height:36px;background:#fff;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:900;color:#1a6096;flex-shrink:0}
.logo-text{font-size:1.15rem;font-weight:800;color:#fff;letter-spacing:-.02em;white-space:nowrap}
.logo-text em{color:#ffd700;font-style:normal}
.search-bar{display:flex;flex:1;max-width:380px;margin-left:auto;position:relative}
.search-bar input{flex:1;padding:7px 12px;border-radius:6px 0 0 6px;font-size:.85rem;outline:none;color:#222;border:none;background:#fff}
.search-bar button{padding:7px 14px;background:#ffd700;color:#1a1a2e;font-weight:700;border-radius:0 6px 6px 0;font-size:.85rem;border:none;transition:background .15s}
.search-bar button:hover{background:#ffca00}
#srch-dd{position:absolute;top:calc(100% + 4px);left:0;right:46px;background:#fff;border:1px solid #ddd;border-radius:8px;z-index:9999;display:none;max-height:320px;overflow-y:auto;box-shadow:0 8px 24px rgba(0,0,0,.15)}
.sdi{padding:8px 12px;cursor:pointer;font-size:.83rem;border-bottom:1px solid #f5f5f5;color:#222;display:flex;align-items:center;gap:8px}
.sdi:hover{background:#f0f7ff;color:#1a6096}
.sdi-icon{width:22px;height:22px;background:#e8f0f8;border-radius:4px;display:flex;align-items:center;justify-content:center;font-size:.8rem;flex-shrink:0}
.sdcat{font-size:.68rem;color:#888;background:#f5f5f5;padding:4px 12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em}

/* ── Category Nav ── */

.cat-nav-inner{display:flex;flex-wrap:wrap;max-width:1080px;margin:0 auto}
.cat-nav a{color:#a8c8e8;font-size:.78rem;font-weight:500;padding:6px 14px;display:flex;align-items:center;gap:5px;cursor:pointer;border-right:1px solid rgba(255,255,255,.07);transition:all .15s;white-space:nowrap}
.cat-nav a:hover,.cat-nav a.active{background:#1a6096;color:#fff;text-decoration:none}
.cat-nav a .nav-icon{font-size:.85rem}

/* ════════════════════ HOME PAGE ════════════════════ */
#home-page{display:block}

/* Hero */
.hero{background:linear-gradient(135deg,#0d3b6e 0%,#1565c0 50%,#1e88e5 100%);color:#fff;padding:52px 16px 48px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");pointer-events:none}
.hero-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:50px;padding:4px 14px;font-size:.74rem;font-weight:600;margin-bottom:18px;letter-spacing:.03em;text-transform:uppercase}
.hero h1{font-size:clamp(1.6rem,4vw,2.6rem);font-weight:800;line-height:1.2;margin-bottom:14px;letter-spacing:-.03em}
.hero h1 span{color:#ffd700}
.hero p{font-size:clamp(.88rem,2vw,1rem);opacity:.88;max-width:560px;margin:0 auto 28px;line-height:1.7}
.hero-stats{display:flex;justify-content:center;gap:32px;flex-wrap:wrap}
.hstat{text-align:center}
.hstat .hn{font-size:1.5rem;font-weight:800;color:#ffd700}
.hstat .hl{font-size:.72rem;opacity:.78;text-transform:uppercase;letter-spacing:.05em;margin-top:2px}
.hero-search{display:flex;max-width:500px;margin:0 auto 28px;border-radius:10px;overflow:hidden;box-shadow:0 8px 32px rgba(0,0,0,.25)}
.hero-search input{flex:1;padding:12px 16px;font-size:.92rem;outline:none;color:#222;border:none}
.hero-search button{padding:12px 22px;background:#ffd700;color:#1a1a2e;font-weight:700;font-size:.9rem;border:none;cursor:pointer;white-space:nowrap;transition:background .15s}
.hero-search button:hover{background:#f0c500}

/* Section heading */
.sec-head{display:flex;align-items:center;gap:10px;margin:28px 0 14px}
.sec-head h2{font-size:1.1rem;font-weight:700;color:#1a1a2e}
.sec-head .sec-line{flex:1;height:1px;background:linear-gradient(to right,#d0d8e8,transparent)}
.sec-head .sec-badge{font-size:.7rem;font-weight:700;background:#e8f0f8;color:#1a6096;padding:2px 9px;border-radius:50px;text-transform:uppercase;letter-spacing:.04em;white-space:nowrap}

/* Category section */
.cat-section{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:20px;overflow:hidden}
.cat-section-head{display:flex;align-items:center;gap:10px;padding:14px 16px;background:linear-gradient(90deg,#f0f7ff,#fff);border-bottom:1px solid #dde4ee;cursor:pointer}
.cat-section-head:hover{background:linear-gradient(90deg,#e4f0ff,#f8faff)}
.cat-icon-big{width:40px;height:40px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.25rem;flex-shrink:0}
.cat-section-head h3{font-size:.95rem;font-weight:700;color:#1a1a2e}
.cat-section-head p{font-size:.75rem;color:#666;margin-top:1px}
.cat-section-head .arrow{margin-left:auto;font-size:1rem;color:#aaa;transition:transform .2s}
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}

.calc-item{display:flex;align-items:center;gap:10px;padding:11px 14px;border-right:1px solid #f0f0f0;border-bottom:1px solid #f0f0f0;cursor:pointer;transition:background .12s}
.calc-item:hover{background:#f0f7ff}
.calc-item:nth-child(3n){border-right:0}
.calc-item-icon{width:30px;height:30px;border-radius:6px;background:#e8f0f8;display:flex;align-items:center;justify-content:center;font-size:.9rem;flex-shrink:0}
.calc-item-name{font-size:.78rem;font-weight:600;color:#1a1a2e;line-height:1.3}
.calc-item-desc{font-size:.68rem;color:#888;line-height:1.2;margin-top:1px}
.calc-item:hover .calc-item-name{color:#1a6096}

/* Featured tools */
.featured-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:20px}

.featured-card{background:#fff;border:1px solid #dde4ee;border-radius:10px;padding:18px;cursor:pointer;transition:all .18s;display:flex;gap:14px;align-items:flex-start}
.featured-card:hover{border-color:#1a6096;box-shadow:0 4px 20px rgba(26,96,150,.12);transform:translateY(-1px)}
.featured-card-icon{width:48px;height:48px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;flex-shrink:0}
.featured-card h4{font-size:.88rem;font-weight:700;color:#1a1a2e;margin-bottom:4px}
.featured-card p{font-size:.74rem;color:#666;line-height:1.5}
.featured-card .tag{display:inline-block;font-size:.65rem;font-weight:700;color:#1a6096;background:#e8f0f8;padding:2px 7px;border-radius:50px;margin-top:6px;text-transform:uppercase;letter-spacing:.04em}

/* About section */
.about-section{background:#fff;border:1px solid #dde4ee;border-radius:10px;padding:20px;margin-bottom:20px}
.about-section h3{font-size:.95rem;font-weight:700;color:#1a1a2e;margin-bottom:8px}
.about-section p{font-size:.8rem;color:#555;line-height:1.75;margin-bottom:8px}
.about-section p:last-child{margin-bottom:0}

/* Home sidebar */
.home-sidebar{display:flex;flex-direction:column;gap:14px}
.hs-card{background:#fff;border:1px solid #dde4ee;border-radius:10px;overflow:hidden}
.hs-card-head{background:linear-gradient(135deg,#1a6096,#1e88e5);color:#fff;padding:10px 14px;font-size:.8rem;font-weight:700;display:flex;align-items:center;gap:6px}
.hs-card ul{padding:6px 0}
.hs-card ul li a{display:flex;align-items:center;gap:8px;font-size:.77rem;color:#1a1a2e;padding:6px 14px;cursor:pointer;transition:background .1s}
.hs-card ul li a:hover{background:#f0f7ff;color:#1a6096;text-decoration:none}
.hs-card ul li a .ic{font-size:.8rem;width:18px;text-align:center;flex-shrink:0}
.hs-promo{background:linear-gradient(135deg,#1a6096,#0d3b6e);border-radius:10px;padding:18px;color:#fff;text-align:center}
.hs-promo .icon{font-size:2rem;margin-bottom:8px}
.hs-promo h4{font-size:.85rem;font-weight:700;margin-bottom:6px}
.hs-promo p{font-size:.72rem;opacity:.82;line-height:1.6;margin-bottom:12px}
.hs-promo-btn{display:block;background:#ffd700;color:#1a1a2e;font-weight:700;font-size:.78rem;padding:8px;border-radius:6px;text-align:center;cursor:pointer;transition:background .15s}
.hs-promo-btn:hover{background:#f0c500;text-decoration:none}

/* ════════════════════ CALC PAGES ════════════════════ */
.calc-page{display:none}
.breadcrumb{font-size:.76rem;color:#888;padding:6px 0;display:flex;flex-wrap:wrap;gap:4px;align-items:center}
.breadcrumb a{color:#1a6096;cursor:pointer;font-weight:500}
.breadcrumb .sep{color:#ccc}
.page-title{font-size:1.35rem;font-weight:800;color:#1a1a2e;margin-bottom:12px;line-height:1.2;letter-spacing:-.02em}

/* Cards */
.card{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:14px;overflow:hidden}
.card-head{background:linear-gradient(90deg,#1a6096,#1565c0);color:#fff;padding:10px 14px;font-weight:600;font-size:.85rem;display:flex;align-items:center;gap:7px}
.card-body{padding:14px}

/* Inputs */
.it{width:100%;border-collapse:collapse}
.it td{padding:5px 3px;vertical-align:middle}
.it td:first-child{width:170px;font-size:.82rem;color:#444;font-weight:500}
abbr.tip{border-bottom:1px dashed #aaa;cursor:help;text-decoration:none}
.fw{display:flex;align-items:center;gap:5px;flex-wrap:wrap}
.fw input[type=number],.fw input[type=text],.fw input[type=date]{
  padding:5px 8px;border:1.5px solid #d0d8e8;border-radius:6px;font-size:.88rem;color:#1a1a2e;background:#fff;transition:border .15s;outline:none}
.fw input[type=number]{width:110px}
.fw input:focus{border-color:#1a6096;box-shadow:0 0 0 3px rgba(26,96,150,.12)}
.fw select{padding:5px 8px;border:1.5px solid #d0d8e8;border-radius:6px;font-size:.82rem;background:#fff;color:#1a1a2e;cursor:pointer}
.fw select:focus{border-color:#1a6096;outline:none}
.fw .sym{font-size:.9rem;color:#777;flex-shrink:0;font-weight:500}
.ut{display:inline-flex;border:1.5px solid #d0d8e8;border-radius:6px;overflow:hidden;font-size:.77rem;flex-shrink:0}
.ut button{padding:3px 9px;background:#f5f7fa;color:#555;border:none;transition:all .15s;font-weight:500}
.ut button.on{background:#1a6096;color:#fff}
.tlink{font-size:.8rem;color:#1a6096;background:none;border:none;padding:2px 0;text-decoration:underline;cursor:pointer;display:inline-block;margin-top:8px;font-weight:500}
.collap{display:none;margin-top:10px}
.collap.open{display:block}
.chklbl{display:flex;align-items:center;gap:6px;font-size:.83rem;font-weight:500;cursor:pointer;padding:4px 0;color:#333}
.chklbl input[type=checkbox],.chklbl input[type=radio]{width:14px;height:14px;accent-color:#1a6096;cursor:pointer}
.calc-btn{display:block;width:100%;padding:10px;background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;font-size:.95rem;font-weight:700;border:none;border-radius:8px;margin-top:12px;cursor:pointer;letter-spacing:.01em;transition:opacity .15s;box-shadow:0 4px 12px rgba(26,96,150,.3)}
.calc-btn:hover{opacity:.9}
.pdf-btn{display:inline-flex;align-items:center;gap:6px;padding:7px 14px;background:#f0f7ff;color:#1a6096;font-size:.79rem;font-weight:600;border:1.5px solid #c0d8f0;border-radius:6px;cursor:pointer;transition:all .15s}
.pdf-btn:hover{background:#e0f0ff;border-color:#1a6096}
.print-btn{display:inline-flex;align-items:center;gap:6px;padding:7px 14px;background:#f5f5f5;color:#555;font-size:.79rem;font-weight:600;border:1.5px solid #ddd;border-radius:6px;cursor:pointer;transition:all .15s;margin-left:6px}
.print-btn:hover{background:#ebebeb}
.err{color:#e53935;font-size:.74rem;margin-top:3px;display:none;font-weight:500}

/* Results */
.res-box{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:14px;overflow:hidden}
.res-hdr{background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;padding:14px 16px}
.res-lbl{font-size:.8rem;opacity:.85;font-weight:500}
.res-big{font-size:1.8rem;font-weight:800;line-height:1.2;letter-spacing:-.02em}
.res-sub{font-size:.75rem;opacity:.75;margin-top:2px}
.res-inner{display:flex;flex-wrap:wrap}
.res-tbl{width:100%;border-collapse:collapse;font-size:.79rem}
.res-tbl th{background:#f0f5fc;padding:6px 10px;text-align:right;font-size:.73rem;color:#555;border-bottom:1px solid #e0e8f4;font-weight:600}
.res-tbl th:first-child{text-align:left}
.res-tbl td{padding:6px 10px;border-bottom:1px solid #f5f7fa;text-align:right;color:#333}
.res-tbl td:first-child{text-align:left;color:#444}
.res-tbl tr.tot td{font-weight:700;background:#f0f5fc;color:#1a6096;border-top:1.5px solid #d0e0f0}
.res-tbl tr.sub td:first-child{padding-left:18px;color:#888;font-size:.76rem}
.res-tbl tr.sub td{color:#777;font-size:.76rem}
.res-sum{border-top:1px solid #f0f0f0;padding:0}
.res-sum table{width:100%;font-size:.79rem;border-collapse:collapse}
.res-sum td{padding:5px 10px;border-bottom:1px solid #f8f8f8;color:#444}
.res-sum td:last-child{text-align:right;font-weight:600;color:#1a1a2e}
.res-sum tr.hl td{font-weight:700;color:#1a6096;font-size:.84rem;background:#f8fbff}

/* Charts */
.pie-wrap{display:flex;align-items:center;gap:14px;padding:12px;flex-wrap:wrap;min-width:180px}
.pie-leg{font-size:.72rem;line-height:2}
.pie-li{display:flex;align-items:center;gap:6px}
.pie-sw{width:10px;height:10px;border-radius:2px;flex-shrink:0;display:inline-block}
.bar-sec{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:14px;padding:14px}
.bar-sec h3{font-size:.87rem;font-weight:700;color:#1a1a2e;margin-bottom:8px}
.bar-leg{display:flex;gap:12px;font-size:.71rem;margin-bottom:6px;flex-wrap:wrap}
.bar-leg span{display:flex;align-items:center;gap:4px}
.bsw{width:10px;height:10px;border-radius:2px;display:inline-block}

/* Amortization */
.amort-card{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:14px;overflow:hidden}
.amort-hdr{padding:10px 14px;border-bottom:1px solid #f0f0f0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:6px}
.amort-hdr h2{font-size:.9rem;font-weight:700;color:#1a1a2e}
.vtog{display:flex;gap:4px;font-size:.76rem}
.vtog button{padding:3px 11px;border:1.5px solid #d0d8e8;border-radius:6px;background:#f5f7fa;color:#555;font-weight:500}
.vtog button.on{background:#1a6096;color:#fff;border-color:#1a6096}
.amort-scroll{max-height:420px;overflow-y:auto}
.atbl{font-size:.75rem;width:100%;border-collapse:collapse}
.atbl th{background:linear-gradient(90deg,#1a6096,#1565c0);color:#fff;padding:6px 9px;text-align:right;position:sticky;top:0;z-index:2;white-space:nowrap;font-weight:600}
.atbl th:first-child,.atbl td:first-child{text-align:left}
.atbl td{padding:5px 9px;border-bottom:1px solid #f5f7fa;text-align:right;color:#333}
.atbl tr:nth-child(even) td{background:#fafbfd}
.atbl tr.yr-sep td{background:#e8f0f8;font-weight:700;font-size:.73rem;color:#1a6096;padding:4px 9px}
.atbl tr:hover td{background:#f0f7ff}

/* Stat boxes */
.stat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;padding:12px}
.stat-grid.g3{grid-template-columns:repeat(3,1fr)}
.stat-grid.g4{grid-template-columns:repeat(4,1fr)}

.sb2{background:linear-gradient(135deg,#f8fbff,#f0f5fc);border:1px solid #dde8f8;border-radius:8px;padding:10px 12px;text-align:center}
.sb2 .sv{font-size:1.1rem;font-weight:800;color:#1a6096;word-break:break-word;letter-spacing:-.01em}
.sb2 .sl{font-size:.69rem;color:#777;margin-top:2px;font-weight:500}

/* Article */
.art{background:#fff;border:1px solid #dde4ee;border-radius:10px;margin-bottom:14px;padding:16px}
.art h2{font-size:.92rem;font-weight:700;color:#1a6096;margin:14px 0 6px;padding-bottom:4px;border-bottom:1px solid #f0f0f0}
.art h2:first-child{margin-top:0}
.art h3{font-size:.83rem;font-weight:700;color:#333;margin:10px 0 4px}
.art p{font-size:.8rem;color:#555;line-height:1.75;margin-bottom:7px}
.art ul{margin:4px 0 10px 16px;list-style:disc}
.art ul li{font-size:.8rem;color:#555;line-height:1.7;margin-bottom:3px}
.faq-item{border-bottom:1px solid #f5f5f5;padding:8px 0}
.faq-q{font-size:.82rem;font-weight:600;color:#1a6096;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:8px;user-select:none}
.faq-a{font-size:.79rem;color:#555;line-height:1.72;margin-top:6px;display:none}
.faq-a.open{display:block}
.faq-icon{font-style:normal;font-size:1.1rem;color:#aaa;transition:transform .2s;flex-shrink:0}

/* Disclaimer */
.disclaim{background:#fffde7;border:1px solid #ffe082;border-left:4px solid #ffc107;border-radius:8px;padding:10px 13px;margin-bottom:14px;font-size:.75rem;color:#555;line-height:1.65}
.disclaim strong{color:#444}

/* ════════════════════ SIDEBAR ════════════════════ */
/* Section sidebar */
.sec-sidebar{display:flex;flex-direction:column;gap:12px}
.ssb{background:#fff;border:1px solid #dde4ee;border-radius:10px;overflow:hidden}
.ssb-head{background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;padding:9px 13px;font-size:.78rem;font-weight:700;display:flex;align-items:center;gap:6px}
.ssb ul{padding:5px 0}
.ssb ul li a{display:flex;align-items:center;gap:8px;font-size:.76rem;color:#1a1a2e;padding:6px 12px;cursor:pointer;transition:all .1s;border-bottom:1px solid #f8f8f8;font-weight:500}
.ssb ul li a:hover{background:#f0f7ff;color:#1a6096;text-decoration:none;padding-left:16px}
.ssb ul li a.cur{background:#e8f3ff;color:#1a6096;font-weight:700;border-left:3px solid #1a6096}
.ssb ul li a .ic{font-size:.82rem;width:16px;text-align:center;flex-shrink:0}
.ssb-tip{background:linear-gradient(135deg,#e8f3ff,#f0f7ff);border:1px solid #c8e0f8;border-radius:10px;padding:14px;font-size:.75rem;color:#444;line-height:1.65}
.ssb-tip h4{font-size:.8rem;font-weight:700;color:#1a6096;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.ssb-tip ul{margin:6px 0 0 12px;list-style:disc}
.ssb-tip ul li{margin-bottom:3px}

/* ════════════════════ FOOTER ════════════════════ */
.site-footer{background:#0d3b6e;color:#a0bcd4;margin-top:32px;padding:32px 16px 20px}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;max-width:1080px;margin:0 auto 24px}
@media(max-width:700px){.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:420px){.footer-grid{grid-template-columns:1fr}}
.footer-col h4{font-size:.82rem;font-weight:700;color:#fff;margin-bottom:10px;text-transform:uppercase;letter-spacing:.05em}
.footer-col ul li{margin-bottom:5px}
.footer-col ul li a{font-size:.76rem;color:#a0bcd4;cursor:pointer;transition:color .15s}
.footer-col ul li a:hover{color:#fff;text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:16px;text-align:center;max-width:1080px;margin:0 auto}
.footer-bottom p{font-size:.72rem;color:#7090a8}

/* Cookie */
#cookie-banner{position:fixed;bottom:0;left:0;right:0;background:rgba(13,59,110,.97);backdrop-filter:blur(8px);color:#fff;padding:12px 16px;display:flex;align-items:center;flex-wrap:wrap;gap:10px;font-size:.77rem;z-index:99999;transform:translateY(100%);transition:transform .35s;border-top:1px solid rgba(255,255,255,.1)}
#cookie-banner.show{transform:translateY(0)}
#cookie-banner a{color:#7ec8e3;text-decoration:underline}
.ck-btns{display:flex;gap:8px;margin-left:auto}
.ck-btns button{padding:5px 14px;border-radius:6px;font-size:.76rem;cursor:pointer;font-weight:600;border:none}
#ck-ok{background:#1a6096;color:#fff}
#ck-no{background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.2)!important}

/* Misc */
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

/* Scientific calculator buttons */
.sci-btn{padding:9px 4px;border-radius:7px;border:none;font-size:.88rem;font-weight:600;cursor:pointer;transition:all .12s;font-family:'Inter',sans-serif}
.sci-btn:hover{opacity:.85;transform:translateY(-1px)}
.sci-btn:active{transform:translateY(0);opacity:1}
.sci-num{background:#fff;color:#1a1a2e;border:1.5px solid #d0d8e8}
.sci-fn{background:#e8f0f8;color:#1a6096;border:1.5px solid #c8dff0}
.sci-op{background:#1a6096;color:#fff;border:none}
.sci-eq{background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;border:none;font-size:1.1rem}
.sci-del{background:#fff3f3;color:#e53935;border:1.5px solid #ffd0d0}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield}
.divider{height:1px;background:linear-gradient(to right,transparent,#dde4ee,transparent);margin:4px 0}

/* ════ HOME PAGE — NEW LAYOUT ════ */
.home-layout{display:flex;gap:20px;align-items:flex-start;padding:20px 0 32px}
.home-main{flex:1;min-width:0}
.home-sidebar-col{width:220px;flex-shrink:0;display:flex;flex-direction:column;gap:12px}

/* Home featured cards */
.home-featured-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px}
.hf-card{background:#fff;border:1.5px solid #dde4ee;border-radius:10px;padding:14px;
  cursor:pointer;display:flex;align-items:center;gap:12px;transition:all .18s;
  box-shadow:0 1px 4px rgba(0,0,0,.04)}
.hf-card:hover{border-color:#1a6096;box-shadow:0 4px 16px rgba(26,96,150,.14);transform:translateY(-1px)}
.hf-card.active{border-color:#1a6096;background:#f0f7ff;box-shadow:0 4px 16px rgba(26,96,150,.14)}
.hf-icon{width:42px;height:42px;border-radius:9px;display:flex;align-items:center;
  justify-content:center;font-size:1.25rem;flex-shrink:0}
.hf-body{flex:1;min-width:0}
.hf-body h4{font-size:.83rem;font-weight:700;color:#1a1a2e;margin-bottom:3px;line-height:1.3}
.hf-body p{font-size:.71rem;color:#666;line-height:1.4}
.hf-tag{display:inline-block;font-size:.62rem;font-weight:700;color:#1a6096;
  background:#e8f0f8;padding:2px 7px;border-radius:50px;margin-top:5px;text-transform:uppercase;letter-spacing:.04em}
.hf-arrow{font-size:1rem;color:#c0cce0;flex-shrink:0}
.hf-card.active .hf-arrow{color:#1a6096}

/* Inline calc area */
#home-inline-calc{background:#fff;border:1.5px solid #1a6096;border-radius:10px;overflow:hidden}
.inline-calc-header{background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;
  padding:10px 14px;display:flex;align-items:center;justify-content:space-between}
.inline-calc-header span{font-size:.88rem;font-weight:700}
.inline-close-btn{background:rgba(255,255,255,.2);border:none;color:#fff;
  padding:4px 10px;border-radius:6px;cursor:pointer;font-size:.8rem;font-family:inherit}
.inline-close-btn:hover{background:rgba(255,255,255,.35)}
.inline-calc-body{padding:0}
.inline-calc-body .card{border:none;border-radius:0;margin:0;box-shadow:none}
.inline-calc-body .card-head{display:none}
.inline-calc-body .two-col{flex-direction:column;padding:0;gap:0}
.inline-calc-body .side-col{display:none}
.inline-calc-body .breadcrumb{display:none}
.inline-calc-body .page-title{display:none}
.inline-calc-body .art{display:none}
.inline-calc-body .disclaim{display:none}

/* Home sidebar */
.home-sb-box{background:#fff;border:1px solid #dde4ee;border-radius:10px;overflow:hidden}
.home-sb-head{background:linear-gradient(135deg,#1a6096,#1565c0);color:#fff;
  padding:9px 13px;font-size:.77rem;font-weight:700}
.home-sb-box ul{padding:4px 0}
.home-sb-box ul li{border-bottom:1px solid #f5f7fa}
.home-sb-box ul li:last-child{border-bottom:none}
.home-sb-box ul li span{display:flex;align-items:center;gap:7px;font-size:.75rem;
  color:#1a1a2e;padding:6px 13px;cursor:pointer;transition:all .1s;font-weight:500}
.home-sb-box ul li span:hover{background:#f0f7ff;color:#1a6096;padding-left:16px}

/* Category pages grid */
.cat-grid-page{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
.cgp-item{background:#fff;border:1.5px solid #dde4ee;border-radius:10px;
  padding:16px;cursor:pointer;display:flex;align-items:center;gap:14px;
  transition:all .15s;box-shadow:0 1px 3px rgba(0,0,0,.04)}
.cgp-item:hover{border-color:#1a6096;box-shadow:0 4px 14px rgba(26,96,150,.12);transform:translateY(-1px)}
.cgp-icon{font-size:1.5rem;width:44px;height:44px;background:#f0f7ff;border-radius:9px;
  display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cgp-item div strong{font-size:.85rem;font-weight:700;color:#1a1a2e;display:block;margin-bottom:3px}
.cgp-item div p{font-size:.73rem;color:#666;margin:0;line-height:1.4}

/* Mobile: home */

.ad-unit{display:block;width:100%;margin:0;text-align:center;overflow:hidden;background:transparent;border-radius:8px}
.ad-unit ins{display:block!important}
/* NO min-height — collapses when AdSense not approved yet */
.ad-leaderboard{min-height:0}
.ad-inarticle{min-height:0}
.ad-sidebar{min-height:0;position:sticky;top:80px}
.ad-between{min-height:0}

@media(max-width:768px){.ad-sidebar{position:static}}
/* Only show height when ad actually loads */
.adsbygoogle{display:block;min-height:0}

/* Second sidebar ad — below sidebar content */

/* ══════════════════════════════════
   HAMBURGER MENU
══════════════════════════════════ */
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;
  gap:5px;width:38px;height:38px;background:rgba(255,255,255,.15);border-radius:7px;
  cursor:pointer;border:none;padding:0;flex-shrink:0;margin-left:8px}
.hamburger span{display:block;width:20px;height:2px;background:#fff;border-radius:2px;transition:all .25s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0)}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ══ TABLET ≤820px ══ */

.cat-nav{transition:max-height .3s ease,opacity .2s}
/* ══ NAV ≤640px ══ */

/* ══ MOBILE ≤520px — FULL FIX ══ */

/* ══ TINY ≤380px ══ */
@media(max-width:380px){
  .header-bar{padding:6px 8px;gap:5px}
  .logo-text{font-size:.8rem}
  .hero h1{font-size:1.15rem}
  .hero-stats{gap:8px}
  .calc-grid{grid-template-columns:1fr}
  .stat-grid{grid-template-columns:1fr 1fr!important}
  .footer-grid{grid-template-columns:1fr}
  .fw input[type=number]{min-width:50px!important}
}

/* ══ PRINT ══ */

/* ══════════════════════════════════
   PRINT
══════════════════════════════════ */

@media(max-width:820px){
.two-col{flex-direction:column}.side-col{width:100%}
.home-layout{flex-direction:column;gap:16px;padding:16px 0 24px}
  .home-sidebar-col{width:100%}
  .home-sb-box ul{display:grid;grid-template-columns:1fr 1fr}
.two-col{flex-direction:column}
  .side-col{width:100%}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
}

@media(max-width:640px){
.home-featured-grid{grid-template-columns:1fr}
  .cat-grid-page{grid-template-columns:1fr}
  .home-sb-box ul{grid-template-columns:1fr}
.contact-grid{grid-template-columns:1fr!important}
.hamburger{display:flex}
  .search-bar{max-width:none;flex:1}
  .search-bar button{padding:7px 10px;font-size:.8rem}
  
  .cat-nav.mobile-open{max-height:400px;opacity:1;pointer-events:auto}
  .cat-nav-inner{flex-direction:column;gap:0}
  .cat-nav a{border-right:none;border-bottom:1px solid rgba(255,255,255,.1);padding:11px 16px;font-size:.88rem;width:100%}
  .contact-grid{grid-template-columns:1fr!important}
  .featured-grid{grid-template-columns:1fr}
}

@media(max-width:520px){
.stat-grid.g3,.stat-grid.g4{grid-template-columns:repeat(2,1fr)}
.hf-card{padding:10px}
  .hf-icon{width:36px;height:36px;font-size:1.05rem}
  .hf-body h4{font-size:.78rem}
  .hf-body p{font-size:.67rem}
  .cgp-item{padding:12px}
  .cgp-icon{width:36px;height:36px;font-size:1.2rem}
  .cgp-item div strong{font-size:.8rem}
  .cgp-item div p{font-size:.68rem}
  .home-sb-box ul li span{font-size:.72rem;padding:5px 10px}
/* Prevent ANY horizontal overflow */
  html,body{overflow-x:hidden;max-width:100vw}
  *{min-width:0;box-sizing:border-box}

  /* Header */
  .header-bar{padding:7px 10px;gap:6px}
  .logo-text{font-size:.9rem}
  .logo-icon{width:28px;height:28px;font-size:.82rem}
  .search-bar input{font-size:.8rem;padding:6px 8px;min-width:0}
  .search-bar button{font-size:.76rem;padding:6px 8px}

  /* Hero */
  .hero{padding:28px 12px 24px}
  .hero h1{font-size:1.3rem}
  .hero p{font-size:.8rem;margin-bottom:16px}
  .hero-search{margin:0 0 20px}
  .hero-search input{font-size:.82rem;padding:10px 10px}
  .hero-search button{font-size:.8rem;padding:10px 12px}
  .hero-stats{gap:12px}
  .hstat .hn{font-size:1.05rem}
  .hstat .hl{font-size:.62rem}
  .hero-badge{font-size:.65rem;padding:3px 10px}

  /* Home */
  .featured-grid{grid-template-columns:1fr;gap:8px}
  .featured-card{padding:12px;gap:10px}
  .featured-card-icon{width:36px;height:36px;font-size:1rem;flex-shrink:0}
  .calc-grid{grid-template-columns:1fr 1fr}
  .calc-item{padding:8px 8px}
  .calc-item-icon{width:24px;height:24px;font-size:.76rem}
  .calc-item-name{font-size:.72rem}
  .calc-item-desc{font-size:.62rem}
  .cat-section-head h3{font-size:.86rem}
  .cat-section-head p{font-size:.68rem}

  /* Layout */
  .container{padding:0 8px}
  .two-col{gap:8px;padding-top:8px}
  .page-title{font-size:.95rem;margin-bottom:8px}
  .card{margin-bottom:10px}
  .card-body{padding:10px 8px}
  .card-head{font-size:.78rem;padding:8px 10px}

  /* ── INPUT TABLES: THE CORE FIX ── */
  /* Make each row a flex column so label & input stack vertically */
  .it,
  .it tbody,
  .it tr,
  .it td{
    display:block;
    width:100%!important;
  }
  .it tr{
    padding:4px 0;
    border-bottom:1px solid #f5f7fa;
  }
  .it tr:last-child{border-bottom:none}
  .it td:first-child{
    font-size:.72rem;
    color:#666;
    font-weight:600;
    padding:0 0 3px 0;
    width:100%!important;
  }
  .it td:last-child{
    padding:0;
    width:100%!important;
  }

  /* Form row — inputs fill available space */
  .fw{
    display:flex;
    flex-wrap:wrap;
    align-items:center;
    gap:5px;
    width:100%;
  }
  /* Override ALL hardcoded input widths */
  .fw input[type=number],
  .fw input[type=text],
  .fw input[type=date]{
    width:auto!important;
    min-width:60px!important;
    flex:1;
    font-size:.85rem;
    padding:6px 8px;
    border:1.5px solid #d0d8e8;
    border-radius:6px;
    background:#fff;
    max-width:140px;
  }
  .fw select{
    font-size:.78rem;
    padding:5px 6px;
    flex:1;
    min-width:80px;
    max-width:160px;
    border:1.5px solid #d0d8e8;
    border-radius:6px;
    background:#fff;
  }
  .fw .sym{font-size:.82rem}
  .fw .ut button{padding:3px 7px;font-size:.72rem}

  /* Results */
  .res-big{font-size:1.2rem}
  .res-lbl{font-size:.72rem}
  .res-hdr{padding:12px 12px}
  .res-tbl{font-size:.72rem}
  .res-tbl th,.res-tbl td{padding:4px 6px}
  .res-sum td{padding:4px 8px;font-size:.76rem}
  .stat-grid{grid-template-columns:repeat(2,1fr)!important;gap:6px;padding:8px}
  .sb2{padding:7px 8px}
  .sb2 .sv{font-size:.88rem}
  .sb2 .sl{font-size:.62rem}

  /* Pie chart */
  .pie-wrap{flex-direction:column;gap:8px;padding:10px}
  .pie-leg{font-size:.66rem}

  /* Amortization */
  .amort-hdr{flex-wrap:wrap;gap:6px;padding:8px 10px}
  .amort-hdr h2{font-size:.82rem}
  .atbl{font-size:.67rem}
  .atbl th,.atbl td{padding:4px 4px}

  /* Articles */
  .art{padding:12px 10px}
  .art h2{font-size:.84rem;margin:10px 0 5px}
  .art p,.art li{font-size:.74rem;line-height:1.65}
  .faq-q{font-size:.76rem}
  .faq-a{font-size:.73rem}
  .disclaim{font-size:.72rem;padding:8px 10px}

  /* Buttons */
  .calc-btn{font-size:.86rem;padding:9px}
  .pdf-btn,.print-btn{font-size:.72rem;padding:5px 9px}

  /* Sidebar */
  .sec-sidebar{gap:8px}
  .ssb-head{font-size:.72rem;padding:7px 10px}
  .ssb ul li a{font-size:.7rem;padding:5px 10px}
  .ssb-tip{font-size:.68rem;padding:10px}

  /* Cookie */
  #cookie-banner{flex-wrap:wrap;gap:5px;font-size:.7rem;padding:10px 12px}
  #cookie-banner span{flex:1 1 100%}
  .ck-btns{width:100%;justify-content:flex-end}

  /* Footer */
  .footer-grid{grid-template-columns:1fr 1fr;gap:14px}
  .site-footer{padding:20px 12px 16px}
  .footer-col h4{font-size:.72rem}
  .footer-col ul li a{font-size:.68rem}
  .footer-bottom p{font-size:.66rem}
}

@media(max-width:600px){
.calc-grid{grid-template-columns:repeat(2,1fr)}
.featured-grid{grid-template-columns:1fr}
}

@media print{
  .no-print,.site-header,.cat-nav,.breadcrumb,.side-col,.home-sidebar,
  .home-sidebar-col,.bar-sec,#cookie-banner,.pdf-btn,.print-btn,.calc-btn,
  .vtog,.tlink,.site-footer,.hamburger,.ad-unit,.ad-sidebar,.ad-leaderboard,
  .ad-inarticle,.ad-sidebar-bottom,#__pdf_bar__,.hf-card,.inline-calc-header,
  .home-sb-box,.home-layout > .home-sidebar-col
  {display:none!important}
  .amort-scroll{max-height:none!important;overflow:visible!important}
  .calc-page,.res-box,.amort-card,.art,.disclaim{display:block!important}
  body{background:#fff!important;font-size:12pt}
  .container{max-width:100%;padding:0 8px}
  .two-col{flex-direction:column!important}
  .main-col{width:100%!important}
  @page{margin:15mm;size:A4}
}
.ad-sidebar-bottom{display:block;width:100%;margin-top:14px;text-align:center;overflow:hidden;background:transparent;border-radius:8px}