:root{--bg:#f6f7fa;--surface:#fff;--surface2:#f0f2f5;--text:#111318;--muted:#68707c;--border:#dfe3e8;--gold:#c9a227;--gold2:#8d6912;--good:#087443;--danger:#b42318;--shadow:0 18px 55px rgba(16,24,40,.08);--radius:22px}
[data-theme=dark]{--bg:#070707;--surface:#101010;--surface2:#171717;--text:#f6f0e3;--muted:#aaa398;--border:#30291c;--gold:#d8b44a;--gold2:#a47c19;--good:#68dfa4;--danger:#ff8278;--shadow:0 25px 80px rgba(0,0,0,.55)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.55}button,input,select,textarea{font:inherit}button,select{cursor:pointer}
body:before,body:after{content:"";position:fixed;z-index:-1;border-radius:50%;filter:blur(75px);opacity:.13;pointer-events:none}body:before{width:360px;height:360px;left:-110px;top:15%;background:var(--gold);animation:a 13s ease-in-out infinite}body:after{width:420px;height:420px;right:-130px;bottom:2%;background:var(--gold2);animation:b 16s ease-in-out infinite}@keyframes a{50%{transform:translate(65px,-40px)}}@keyframes b{50%{transform:translate(-60px,35px)}}
.site-header{position:sticky;top:0;z-index:50;display:flex;align-items:center;gap:14px;padding:10px clamp(14px,4vw,52px);background:color-mix(in srgb,var(--bg) 90%,transparent);backdrop-filter:blur(18px);border-bottom:1px solid var(--border)}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text);min-width:max-content}.brand-logo{width:44px;height:44px}.brand-word{font-size:18px;font-weight:950;letter-spacing:.06em}.brand-sub{display:block;font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}.main-nav{display:flex;gap:4px;margin-left:auto}.main-nav a{padding:9px 11px;border-radius:11px;text-decoration:none;color:var(--muted);font-weight:800;font-size:13px}.main-nav a:hover,.main-nav a.active{background:var(--surface2);color:var(--gold)}.header-actions{display:flex;gap:7px;align-items:center}.lang-select{height:40px;border:1px solid var(--border);border-radius:11px;background:var(--surface);color:var(--text);padding:0 9px;font-weight:800}.menu-btn{display:none}
.container{width:min(1220px,calc(100% - 28px));margin:auto}.page-shell{min-height:calc(100vh - 160px);padding-bottom:30px}.hero,.page-title{padding:48px 2px 26px}.hero{display:flex;justify-content:space-between;align-items:flex-end;gap:25px}.eyebrow{font-size:10px;font-weight:950;letter-spacing:.17em;color:var(--gold)}h1{font-size:clamp(34px,5vw,58px);line-height:1.03;letter-spacing:-.045em;margin:7px 0 12px}h2{letter-spacing:-.025em}.hero p,.page-subtitle{margin:0;color:var(--muted);font-size:17px;max-width:800px}.hero-actions,.actions{display:flex;gap:9px;flex-wrap:wrap}
.panel,.modern-box{background:linear-gradient(145deg,color-mix(in srgb,var(--surface) 96%,var(--gold) 4%),var(--surface));border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}.panel+.panel{margin-top:18px}.modern-box{position:relative;overflow:hidden}.modern-box:after{content:"";position:absolute;inset:0;background:linear-gradient(110deg,transparent 25%,color-mix(in srgb,var(--gold) 7%,transparent) 50%,transparent 75%);transform:translateX(-120%);animation:shine 8s linear infinite;pointer-events:none}@keyframes shine{0%,55%{transform:translateX(-120%)}70%,100%{transform:translateX(120%)}}
.overview-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}.overview-card{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:18px;box-shadow:var(--shadow)}.overview-card span{font-size:11px;color:var(--muted)}.overview-card strong{display:block;font-size:24px;margin-top:4px}.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.info-card{padding:18px;border:1px solid var(--border);border-radius:18px;background:var(--surface)}.info-card h3{margin:6px 0}.info-card p{margin:0;color:var(--muted);font-size:13px}
.pending-list{display:grid;gap:10px}.pending-item{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:12px;padding:15px;border:1px solid var(--border);border-radius:15px;background:var(--surface2)}.pending-item span{display:block;color:var(--muted);font-size:11px}.pending-item b{display:block;margin-top:3px}
.tutorial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.tutorial-card{overflow:hidden;border:1px solid var(--border);border-radius:18px;background:var(--surface)}.tutorial-art{height:150px;background:linear-gradient(135deg,#0c0c0c,#211b0c);display:grid;place-items:center}.tutorial-art svg{width:90%;height:90%}.tutorial-body{padding:16px}.tutorial-body h3{margin:0 0 5px}.tutorial-body p{margin:0;color:var(--muted);font-size:13px}
.primary-btn,.secondary-btn,.danger-btn,.icon-btn,.small-btn{border:1px solid var(--border);border-radius:12px;min-height:42px;padding:0 14px;background:var(--surface);color:var(--text);text-decoration:none;display:inline-flex;align-items:center;justify-content:center}.primary-btn{border-color:var(--gold);background:linear-gradient(135deg,var(--gold),var(--gold2));color:#090806;font-weight:950}.secondary-btn:hover{border-color:var(--gold);color:var(--gold)}.danger-btn{color:var(--danger)}.icon-btn{width:42px;padding:0;font-size:20px}.small-btn{min-height:36px;padding:0 10px;font-size:12px}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field-grid.single{grid-template-columns:1fr}.field{display:flex;flex-direction:column;gap:7px;font-size:12px;font-weight:850}.input,.select,.money-input{width:100%;min-height:48px;border:1px solid var(--border);border-radius:13px;background:var(--surface);color:var(--text);padding:0 13px;outline:none}.input:focus,.select:focus,.money-input:focus{border-color:var(--gold);box-shadow:0 0 0 3px color-mix(in srgb,var(--gold) 15%,transparent)}.hidden{display:none!important}.error{min-height:20px;color:var(--danger);font-size:13px;margin-top:10px}
.loan-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.loan-card{background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:18px}.loan-card-top{display:flex;justify-content:space-between;gap:15px}.loan-card h3{margin:0}.loan-card small{color:var(--muted)}.loan-balance{font-size:21px;font-weight:950;margin-top:14px}.detail-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}.detail-grid>div{padding:15px;border:1px solid var(--border);border-radius:14px;background:var(--surface2)}.detail-grid span{display:block;color:var(--muted);font-size:11px}.detail-grid b{display:block;margin-top:5px;font-size:14px;overflow-wrap:anywhere}.date-bar{display:flex;max-width:330px}.balance-summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:15px}.balance-summary-grid article{padding:18px;border:1px solid var(--border);border-radius:15px;background:var(--surface2)}.balance-summary-grid article.total{border-color:var(--gold)}.balance-summary-grid span{display:block;color:var(--muted);font-size:12px}.balance-summary-grid strong{display:block;font-size:clamp(20px,2.5vw,28px);margin-top:5px;overflow-wrap:anywhere}
.table-scroll{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:13px}th,td{text-align:right;padding:12px 9px;border-bottom:1px solid var(--border);white-space:nowrap}th:first-child,td:first-child{text-align:left}th{font-size:10px;color:var(--muted);text-transform:uppercase}.status-pill{display:inline-flex;padding:4px 8px;border-radius:999px;font-size:10px;font-weight:900;background:var(--surface2)}.status-pill.actual{color:var(--good)}.status-pill.projected{color:var(--gold)}
.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.metric{padding:15px;border:1px solid var(--border);background:var(--surface2);border-radius:15px}.metric span{display:block;color:var(--muted);font-size:12px}.metric strong{display:block;font-size:clamp(16px,2.2vw,24px);margin-top:5px;overflow-wrap:anywhere}.calculator-grid,.split-layout{display:grid;grid-template-columns:370px 1fr;gap:18px}.split-layout{grid-template-columns:1fr 1fr}.result-hero{padding:20px;border:1px solid color-mix(in srgb,var(--gold) 45%,var(--border));border-radius:18px;background:color-mix(in srgb,var(--gold) 6%,var(--surface));margin-bottom:14px}.result-label{color:var(--muted);font-size:12px}.result-value{font-size:clamp(28px,4vw,42px);font-weight:950;margin-top:3px}.result-list{display:grid;gap:9px}.result-list div{display:flex;justify-content:space-between;gap:15px;padding:12px 0;border-bottom:1px solid var(--border)}.result-list span{color:var(--muted)}
.dynamic-row{display:grid;grid-template-columns:1fr 1fr auto;gap:8px}.row-list{display:grid;gap:9px}
.footer{display:grid;grid-template-columns:1fr 1fr;gap:40px;padding:35px max(14px,calc((100% - 1220px)/2));border-top:1px solid var(--border);margin-top:20px}.footer-section{display:flex;gap:13px;align-items:flex-start}.footer-logo{width:52px;flex:0 0 52px}.footer-section h3{margin:0 0 5px}.footer-section p{margin:0;color:var(--muted);font-size:12px;max-width:500px}.footer-links{display:flex;gap:12px;flex-wrap:wrap;margin-top:10px}.footer-links a{color:var(--muted);font-size:12px}.footer-center{text-align:center;display:flex;flex-direction:column;justify-content:center;align-items:center}.copyright-button{background:none;border:0;color:var(--muted);cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:12px}.modal-backdrop{position:absolute;inset:0;background:rgba(0,0,0,.74);backdrop-filter:blur(9px)}.modal-card{position:relative;width:min(850px,100%);max-height:91vh;overflow:auto;background:var(--surface);border:1px solid var(--border);border-radius:22px;box-shadow:0 30px 110px rgba(0,0,0,.5);padding:22px}.modal-head{display:flex;justify-content:space-between;gap:15px;margin-bottom:20px}.modal-head h2{margin:4px 0}.modal-head p{margin:0;color:var(--muted);font-size:13px}.modal-actions{display:flex;justify-content:flex-end;gap:9px;margin-top:18px}.selector-list{display:grid;gap:9px;margin-bottom:15px}.selector-item{width:100%;display:grid;grid-template-columns:42px 1fr auto;gap:12px;align-items:center;text-align:left;border:1px solid var(--border);background:var(--surface2);color:var(--text);border-radius:15px;padding:13px}.selector-item:hover{border-color:var(--gold)}.selector-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--gold),var(--gold2));color:#080706;font-weight:950}
.dev-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.dev-card{padding:18px;border:1px solid var(--border);border-radius:17px;background:var(--surface2)}.dev-card p{margin:5px 0;color:var(--muted);font-size:13px}.contact-message{min-height:110px;resize:vertical}.pdf-theme-select{min-height:40px;border:1px solid var(--border);border-radius:11px;background:var(--surface);color:var(--text);padding:0 10px}
.print-statement{display:none}.pdf-watermark{position:absolute;inset:0;display:grid;place-items:center;font-size:90px;font-weight:950;letter-spacing:.08em;color:rgba(201,162,39,.07);transform:rotate(-25deg);pointer-events:none}.pdf-sheet{position:relative;overflow:hidden;background:#0b0b0b;color:#f7f0df;border:2px solid #c9a227;border-radius:20px;padding:32px}.pdf-sheet.light{background:#fff;color:#151515}.pdf-head{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid rgba(201,162,39,.55);padding-bottom:18px}.pdf-brand{display:flex;gap:10px;align-items:center}.pdf-brand svg{width:52px}.pdf-title{font-size:26px;font-weight:950}.pdf-meta{font-size:11px;opacity:.75;text-align:right}.pdf-section{margin-top:20px}.pdf-section h3{color:#d8b44a;font-size:12px;letter-spacing:.12em;text-transform:uppercase}.pdf-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}.pdf-summary div{padding:12px;border:1px solid rgba(201,162,39,.25);border-radius:10px;background:rgba(255,255,255,.04)}.pdf-summary span{font-size:9px;opacity:.7;display:block}.pdf-summary b{display:block;margin-top:3px}.pdf-foot{margin-top:20px;padding-top:12px;border-top:1px solid rgba(201,162,39,.4);font-size:9px;opacity:.65}
@media print{@page{size:A4;margin:10mm}body{background:#fff!important}.site-header,.footer,.page-title,.hero,.notice,.actions,.modal{display:none!important}.print-statement{display:block!important}.pdf-sheet{box-shadow:none!important;min-height:270mm;break-inside:avoid}.pdf-watermark{display:grid!important}table{font-size:8px!important}th,td{padding:5px!important}}
@media(max-width:1000px){.detail-grid{grid-template-columns:repeat(3,1fr)}.metric-grid{grid-template-columns:1fr 1fr}.tutorial-grid{grid-template-columns:1fr 1fr}}
@media(max-width:820px){.main-nav{display:none;position:absolute;top:67px;left:12px;right:12px;background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:8px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{padding:12px}.menu-btn{display:inline-flex}.calculator-grid,.split-layout{grid-template-columns:1fr}.hero{display:block}.hero-actions{margin-top:18px}.footer{grid-template-columns:1fr}.footer-center{text-align:left;align-items:flex-start}}
@media(max-width:650px){.field-grid{grid-template-columns:1fr}.overview-grid{grid-template-columns:1fr 1fr}.detail-grid{grid-template-columns:1fr 1fr}.balance-summary-grid{grid-template-columns:1fr}.loan-list,.tutorial-grid,.info-grid{grid-template-columns:1fr}.pending-item{grid-template-columns:1fr}.panel{padding:17px}.modal-card{padding:17px}.dev-grid{grid-template-columns:1fr}.pdf-summary{grid-template-columns:1fr 1fr}.header-actions .head-btn{display:none}}
@media(max-width:420px){.overview-grid{grid-template-columns:1fr}.brand-sub{display:none}.lang-select{max-width:72px}}

/* PHASE 7.1 VISUAL + RESPONSIVE REPAIR */
.gold-text{color:var(--gold)}
.brand-mark{width:44px;height:44px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:14px;background:linear-gradient(145deg,#17130a,#080808);color:var(--gold);font-weight:1000;font-size:22px;box-shadow:0 8px 30px rgba(201,162,39,.14)}
.footer-mark{width:50px;height:50px}
.section-title{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-bottom:18px}.section-title h2,.section-title h3{margin:3px 0}.section-title p{margin:3px 0 0;color:var(--muted);font-size:13px}
.overview-card{min-width:0;position:relative;overflow:hidden}.overview-card.accent{border-color:color-mix(in srgb,var(--gold) 60%,var(--border))}.overview-card small{display:block;margin-top:5px;color:var(--muted);font-size:11px}
.info-icon{width:36px;height:36px;display:grid;place-items:center;border-radius:11px;background:linear-gradient(135deg,var(--gold),var(--gold2));color:#090806;font-weight:1000}.info-card{min-height:170px}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.tool-card{display:flex;flex-direction:column;gap:7px;padding:18px;border:1px solid var(--border);border-radius:17px;background:var(--surface2);text-decoration:none;color:var(--text);transition:.2s}.tool-card:hover{transform:translateY(-2px);border-color:var(--gold);box-shadow:var(--shadow)}.tool-card span{font-size:10px;color:var(--gold);font-weight:950}.tool-card b{font-size:16px}.tool-card small{font-size:12px;color:var(--muted)}
.dynamic-section{margin-top:18px;padding-top:18px;border-top:1px solid var(--border)}.subpanel-title{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:10px}.dynamic-row{grid-template-columns:1fr 1fr auto}.calculator-form{min-width:0}.result-panel{min-width:0}.result-list b{overflow-wrap:anywhere}
@media(max-width:1000px){.tool-grid{grid-template-columns:1fr 1fr}.overview-grid{grid-template-columns:1fr 1fr}}
@media(max-width:820px){.site-header{padding:9px 14px}.brand-mark{width:40px;height:40px}.main-nav{top:62px}.hero{padding-top:34px}.section-title{align-items:flex-start;flex-direction:column}.section-title>.actions,.section-title>.hero-actions{width:100%}.section-title>.actions>*{flex:1}.calculator-grid{grid-template-columns:1fr}.footer{padding-left:14px;padding-right:14px}}
@media(max-width:600px){.container{width:min(100% - 20px,1220px)}.page-title{padding-top:32px}.hero h1{font-size:38px}.page-subtitle{font-size:14px}.overview-grid,.tool-grid{grid-template-columns:1fr}.panel{padding:16px;border-radius:18px}.loan-card-top{align-items:flex-start}.loan-card-top>strong{font-size:14px}.dynamic-row{grid-template-columns:1fr}.pending-item{padding:13px}.modal{padding:8px}.modal-card{max-height:94vh;padding:16px;border-radius:18px}.modal-actions{flex-direction:column-reverse}.modal-actions>*{width:100%}.header-actions{gap:5px}.lang-select{max-width:66px;padding:0 5px}.icon-btn{width:40px}}
@media(max-width:420px){.brand>span:last-child strong{font-size:15px}.brand-mark{width:38px;height:38px}.hero-actions>*{width:100%}.footer-section{align-items:flex-start}.footer-center{margin-top:12px}}

/* PHASE 7.2 POLISH */
.nav-preferences{margin-top:8px;padding:10px;border-top:1px solid var(--border);display:flex;gap:10px;align-items:end;justify-content:flex-end}.nav-preferences label{display:flex;flex-direction:column;gap:5px;font-size:10px;color:var(--muted);font-weight:900}.nav-theme-btn{min-height:40px;border:1px solid var(--border);border-radius:11px;background:var(--surface2);color:var(--text);padding:0 12px;font-weight:800}.contact-details{margin-top:15px;padding-top:10px;border-top:1px solid var(--border)}.detail-modal-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.detail-modal-grid>div{padding:14px;border:1px solid var(--border);border-radius:14px;background:var(--surface2)}.detail-modal-grid span{display:block;color:var(--muted);font-size:11px}.detail-modal-grid b{display:block;margin-top:4px;overflow-wrap:anywhere}.loan-details-card{width:min(720px,100%)}.seo-panel p{color:var(--muted);max-width:1000px}.keyword-cloud{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.keyword-cloud span{padding:7px 10px;border:1px solid var(--border);border-radius:999px;background:var(--surface2);color:var(--text);font-size:11px}.pdf-highlight{padding:15px;border:1px solid rgba(201,162,39,.35);border-radius:12px;background:rgba(201,162,39,.06)}.pdf-highlight p{margin:5px 0}.pdf-note{font-size:10px;line-height:1.5;opacity:.78}.pdf-sheet{min-height:auto!important;height:auto!important;max-height:277mm;overflow:hidden}.pdf-sheet .pdf-section{margin-top:14px}.pdf-sheet .pdf-summary{grid-template-columns:repeat(3,1fr)}.pdf-sheet .pdf-summary div{padding:9px}.pdf-sheet .pdf-foot{margin-top:14px}.money-input{font-variant-numeric:tabular-nums}.main-nav{z-index:60}.main-nav.open{display:flex}
@media(max-width:820px){.main-nav{top:62px;max-height:calc(100vh - 75px);overflow:auto}.nav-preferences{flex-direction:column;align-items:stretch}.nav-preferences label{width:100%}.nav-preferences .lang-select,.nav-theme-btn{width:100%}.detail-modal-grid{grid-template-columns:1fr}.loan-details-card .modal-actions{flex-direction:column}.loan-details-card .modal-actions>*{width:100%}}
@media(max-width:600px){.site-header{min-height:58px}.brand-mark{width:38px;height:38px}.brand-word{font-size:16px}.hero{padding-top:28px}.hero h1{font-size:34px}.loan-card{padding:15px}.loan-card .actions{display:grid;grid-template-columns:1fr 1fr}.loan-card .actions .danger-btn{grid-column:1/-1}.pdf-sheet .pdf-summary{grid-template-columns:1fr 1fr}.pdf-sheet{padding:22px}.pdf-title{font-size:21px}}
@media print{@page{size:A4;margin:8mm}body{background:#fff!important}.print-statement{display:block!important}.pdf-sheet{width:100%;max-height:none;overflow:hidden;border-radius:0;padding:18px;break-after:avoid;page-break-after:avoid}.pdf-sheet .pdf-head{padding-bottom:10px}.pdf-sheet .pdf-section{margin-top:10px}.pdf-sheet .pdf-summary{gap:6px}.pdf-sheet .pdf-summary div{padding:7px}.pdf-sheet .pdf-title{font-size:21px}.pdf-sheet .pdf-foot{margin-top:8px}.pdf-sheet table{display:none!important}}

/* PHASE 7.3 RESPONSIVE MENU, ELFSIGHT TRANSLATOR, BLOG, PIE CHART & PRINT */
.menu-tools{margin-top:8px;padding:12px;border-top:1px solid var(--border);display:grid;gap:10px}.translator-wrap{padding:10px;border:1px solid var(--border);border-radius:13px;background:var(--surface2);min-width:0}.menu-tool-label{display:block;margin-bottom:7px;color:var(--muted);font-size:10px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.translator-wrap .eapps-widget-toolbar{display:none!important}.nav-theme-btn{width:100%}.analysis-split{display:grid;grid-template-columns:1fr 1fr;gap:18px}.chart-panel{min-width:0}.analysis-chart-wrap{display:grid;grid-template-columns:210px 1fr;gap:22px;align-items:center;min-height:220px}.pie-chart{width:190px;height:190px;border-radius:50%;position:relative;background:conic-gradient(#d8b44a 0 var(--g1),#8d6912 var(--g1) var(--g2),#6f6250 var(--g2) 100%);box-shadow:0 0 0 1px rgba(216,180,74,.28),0 18px 50px rgba(0,0,0,.28);animation:pieIn .9s cubic-bezier(.2,.8,.2,1) both;transform-origin:center}.pie-chart:before{content:"";position:absolute;inset:7px;border-radius:50%;background:var(--surface);opacity:.13;pointer-events:none}.pie-hole{position:absolute;inset:29%;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;background:var(--surface);border:1px solid var(--border);box-shadow:inset 0 0 25px rgba(0,0,0,.2);text-align:center}.pie-hole span{font-size:9px;color:var(--muted);letter-spacing:.14em;font-weight:900}.pie-hole b{font-size:24px;color:var(--gold);line-height:1.1}.pie-hole small{font-size:9px;color:var(--muted)}@keyframes pieIn{from{transform:scale(.65) rotate(-22deg);opacity:.2}to{transform:scale(1) rotate(0);opacity:1}}.pie-legend{display:grid;gap:12px}.pie-legend>div{display:grid;grid-template-columns:13px 1fr auto;gap:9px;align-items:center;padding:10px;border:1px solid var(--border);border-radius:12px;background:var(--surface2)}.pie-legend span{font-size:12px;color:var(--muted)}.pie-legend b{font-size:12px;overflow-wrap:anywhere}.dot{width:10px;height:10px;border-radius:50%;display:block}.dot-principal{background:#d8b44a}.dot-balance{background:#8d6912}.dot-interest{background:#6f6250}.blog-teaser{margin-top:18px}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.blog-card{padding:20px;border:1px solid var(--border);border-radius:20px;background:linear-gradient(145deg,var(--surface),var(--surface2));box-shadow:var(--shadow);display:flex;flex-direction:column;align-items:flex-start}.blog-card h2{margin:8px 0}.blog-card p{color:var(--muted);font-size:13px;flex:1}.blog-card .secondary-btn{margin-top:10px}.main-nav{max-width:100%;min-width:0}.main-nav a{white-space:nowrap}.pdf-history{width:100%}.pdf-history th,.pdf-history td{padding:7px 6px;font-size:9px}.pdf-sheet .pdf-section{break-inside:avoid}.pdf-sheet .pdf-summary b{overflow-wrap:anywhere}.pdf-sheet .table-scroll{overflow:visible}
@media(max-width:1050px){.main-nav{gap:2px}.main-nav a{font-size:12px;padding:8px}.analysis-chart-wrap{grid-template-columns:180px 1fr}.pie-chart{width:165px;height:165px}.blog-grid{grid-template-columns:1fr 1fr}}
@media(max-width:900px){.main-nav{display:none;position:absolute;top:calc(100% + 8px);left:10px;right:10px;max-height:calc(100vh - 78px);overflow-y:auto;overflow-x:hidden;background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:10px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{white-space:normal;padding:13px 12px}.menu-btn{display:inline-flex}.analysis-split{grid-template-columns:1fr}.analysis-chart-wrap{grid-template-columns:190px 1fr}.site-header{padding:9px 14px}.brand{min-width:0}.brand>span:last-child{min-width:0}.brand>span:last-child strong,.brand>span:last-child small{white-space:nowrap}.hero{display:block}.hero-actions{margin-top:18px}.footer{grid-template-columns:1fr}.footer-center{align-items:flex-start;text-align:left}}
@media(max-width:600px){.container{width:min(100% - 18px,1220px)}.page-shell{padding-bottom:20px}.hero,.page-title{padding-top:30px}.hero h1{font-size:34px}.panel{padding:15px;border-radius:17px}.section-title{gap:12px}.section-title>.actions{width:100%;display:grid;grid-template-columns:1fr 1fr}.section-title>.actions>*{width:100%;min-width:0}.analysis-head>.actions{grid-template-columns:1fr 1fr}.analysis-head>.actions .pdf-theme-select{grid-column:1/-1}.analysis-head>.actions #pdfBtn{grid-column:1/-1}.detail-grid{grid-template-columns:1fr 1fr}.metric-grid{grid-template-columns:1fr 1fr}.balance-summary-grid{grid-template-columns:1fr}.analysis-chart-wrap{grid-template-columns:1fr;justify-items:center}.pie-legend{width:100%}.blog-grid{grid-template-columns:1fr}.dynamic-row{grid-template-columns:1fr}.footer{padding-left:10px;padding-right:10px}.modal{padding:7px}.modal-card{width:100%;max-height:94vh;padding:15px}.modal-head{align-items:flex-start}.modal-actions{gap:8px}.table-scroll{max-width:100%;-webkit-overflow-scrolling:touch}.table-scroll table{min-width:680px}.pdf-sheet .pdf-summary{grid-template-columns:1fr 1fr}.pdf-sheet{padding:18px}.pdf-head{gap:10px}.pdf-brand svg{width:44px}.pdf-title{font-size:20px}.pdf-meta{font-size:9px}.pdf-history{min-width:0!important}.pdf-history th,.pdf-history td{white-space:normal;padding:5px 4px;font-size:8px}}
@media(max-width:380px){.brand>span:last-child small{display:none}.brand>span:last-child strong{font-size:15px}.header-actions .icon-btn{width:38px}.hero h1{font-size:30px}.detail-grid,.metric-grid,.pdf-sheet .pdf-summary{grid-template-columns:1fr}.analysis-head>.actions{grid-template-columns:1fr}.analysis-head>.actions .pdf-theme-select,#pdfBtn{grid-column:auto}}
@media print{.pdf-sheet .table-scroll{overflow:visible!important}.pdf-sheet .pdf-history{display:table!important;min-width:0!important}.pdf-sheet .pdf-history th,.pdf-sheet .pdf-history td{white-space:nowrap!important}.pdf-sheet{max-width:190mm;margin:0 auto}.pdf-watermark{font-size:78px}.pdf-sheet .pdf-summary{grid-template-columns:repeat(3,1fr)}}

/* FINAL NAVIGATION OVERRIDE: every page uses the hamburger menu */
.site-header{position:sticky;top:0}.main-nav{display:none!important;position:absolute;top:calc(100% + 8px);right:clamp(10px,4vw,52px);left:auto;width:min(390px,calc(100vw - 20px));max-height:calc(100vh - 78px);overflow-y:auto;overflow-x:hidden;background:var(--surface);border:1px solid var(--border);border-radius:18px;padding:10px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;margin-left:0}.main-nav.open{display:flex!important}.main-nav a{white-space:normal}.menu-btn{display:inline-flex!important}.header-actions{margin-left:auto}.menu-tools{min-width:0}.translator-wrap{min-width:0;overflow:hidden}.translator-wrap>div{max-width:100%}
@media(max-width:600px){.main-nav{right:9px;width:calc(100vw - 18px)}.site-header{padding:8px 10px}.brand-mark{width:38px;height:38px}.panel{overflow:hidden}.section-title>.actions{min-width:0}.section-title>.actions>*{min-width:0}}

/* Phase 7.3.2 layout and print fixes */
.amortization-panel{margin-top:20px!important;overflow:hidden}
.amortization-panel .section-title{margin-bottom:14px}
.amortization-panel .table-scroll{border:1px solid var(--border);border-radius:14px;overflow:auto;background:var(--surface2)}
.amortization-panel table{min-width:720px}
.amortization-panel th,.amortization-panel td{padding:11px 10px;vertical-align:middle}
.analysis-split{align-items:stretch;margin-top:20px}
.analysis-split>.panel{min-height:100%}
.chart-panel{display:flex;flex-direction:column}
.chart-panel #loanPieChart{flex:1;display:flex;align-items:center}
@media(max-width:900px){.amortization-panel{margin-top:16px!important}.amortization-panel table{min-width:680px}}
@media(max-width:600px){.analysis-split{gap:14px}.analysis-split>.panel{padding:15px}.amortization-panel{padding:15px}.amortization-panel .section-title{margin-bottom:12px}.amortization-panel table{min-width:650px}.amortization-panel th,.amortization-panel td{padding:9px 8px;font-size:11px}}
@media print{
  html,body{background:#fff!important;margin:0!important;padding:0!important}
  body>*{display:none!important}
  body>main{display:block!important;margin:0!important;padding:0!important;width:100%!important;max-width:none!important}
  body>main>*{display:none!important}
  body>main>#printStatement{display:block!important;visibility:visible!important;position:relative!important;width:100%!important;margin:0!important;padding:0!important}
  body>main>#printStatement *{visibility:visible!important}
  .print-statement{display:block!important}
  .pdf-sheet{display:block!important;width:100%!important;max-width:190mm!important;margin:0 auto!important;box-sizing:border-box!important;min-height:0!important;height:auto!important;max-height:none!important;overflow:hidden!important;page-break-after:avoid!important;break-after:avoid-page!important}
}

/* PHASE 7.4 PREMIUM POLISH */
.brand-logo{width:180px;height:auto;display:block}.footer-logo-img{width:150px;height:auto;display:block}.copyright-text{color:var(--muted);font-size:12px}.footer-contact-btn{margin-top:9px}.home-banner{margin:10px 0 22px;border:1px solid var(--border);border-radius:24px;overflow:hidden;box-shadow:var(--shadow);background:#080808}.home-banner img{display:block;width:100%;height:auto}.loan-card-clickable{cursor:pointer;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.loan-card-clickable:hover{transform:translateY(-2px);border-color:var(--gold);box-shadow:0 18px 45px rgba(0,0,0,.25)}.analysis-split{align-items:stretch}.analysis-split>.panel{min-width:0}.chart-panel{background:linear-gradient(145deg,color-mix(in srgb,var(--surface) 92%,#ff4d8d 8%),color-mix(in srgb,var(--surface2) 88%,#2ab8ff 12%))}.pie-chart{background:conic-gradient(#25b8ff 0 var(--g1),#ffd447 var(--g1) var(--g2),#ff4d8d var(--g2) 100%);box-shadow:0 0 0 1px rgba(255,255,255,.15),0 18px 55px rgba(37,184,255,.16),0 10px 45px rgba(255,77,141,.14);animation:pieIn .9s cubic-bezier(.2,.8,.2,1) both}.dot-principal{background:#25b8ff}.dot-balance{background:#ff4d8d}.dot-interest{background:#ffd447}.analysis-split .panel{margin-top:0}.analysis-split{margin-bottom:18px}.analysis-chart-wrap{min-height:245px}.main-nav a{white-space:normal}.footer{align-items:center}.footer-center{gap:8px}.contact-message{min-height:120px;padding:12px}.menu-tools{max-width:100%}
@media(max-width:900px){.brand-logo{width:160px}.main-nav{position:fixed;left:10px;right:10px;top:68px;max-height:calc(100vh - 80px);overflow:auto;flex-direction:column;gap:3px;padding:12px;background:color-mix(in srgb,var(--surface) 96%,transparent);border:1px solid var(--border);border-radius:18px;box-shadow:0 24px 80px rgba(0,0,0,.45);display:none}.main-nav.open{display:flex}.main-nav a{width:100%;padding:12px 13px}.menu-btn{display:inline-flex}.header-actions{margin-left:auto}.footer{grid-template-columns:1fr;gap:20px}.footer-center{align-items:flex-start;text-align:left}.home-banner{border-radius:18px}.analysis-split{grid-template-columns:1fr}}
@media(max-width:600px){.brand-logo{width:145px}.home-banner{margin-top:4px}.analysis-chart-wrap{grid-template-columns:1fr}.pie-chart{width:170px;height:170px}.analysis-split{gap:12px}.panel{overflow:hidden}.footer-logo-img{width:130px}}
@media print{body>*{display:none!important}.print-statement{display:none!important}}

/* ===== DSR4U MOBILE APP-STYLE BOTTOM NAVIGATION ===== */
.mobile-bottom-nav{display:none}

@media(max-width:767px){
  body{padding-bottom:calc(86px + env(safe-area-inset-bottom));}
  .mobile-bottom-nav{
    position:fixed;
    z-index:9998;
    left:10px;
    right:10px;
    bottom:calc(8px + env(safe-area-inset-bottom));
    height:68px;
    display:grid;
    grid-template-columns:repeat(5,1fr);
    align-items:end;
    padding:7px 5px 5px;
    border:1px solid rgba(227,191,86,.34);
    border-radius:24px;
    background:linear-gradient(145deg,rgba(10,10,10,.97),rgba(24,20,12,.97));
    box-shadow:0 16px 45px rgba(0,0,0,.55),0 0 28px rgba(227,191,86,.10),inset 0 1px 0 rgba(255,255,255,.06);
    backdrop-filter:blur(18px);
    -webkit-backdrop-filter:blur(18px);
  }
  .mobile-bottom-nav::before{
    content:"";
    position:absolute;
    inset:0;
    border-radius:24px;
    pointer-events:none;
    background:linear-gradient(90deg,transparent,rgba(227,191,86,.08),transparent);
    opacity:.7;
  }
  .mobile-nav-item{
    position:relative;
    min-width:0;
    height:58px;
    border:0;
    background:transparent;
    color:#aaa395;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:flex-end;
    gap:3px;
    padding:4px 2px 2px;
    font:inherit;
    cursor:pointer;
    -webkit-tap-highlight-color:transparent;
    transition:color .22s ease,transform .22s ease;
  }
  .mobile-nav-icon{
    width:30px;
    height:30px;
    display:grid;
    place-items:center;
    border-radius:50%;
    transition:transform .28s cubic-bezier(.2,.8,.2,1),background .28s ease,box-shadow .28s ease,border-color .28s ease;
  }
  .mobile-nav-icon svg{width:23px;height:23px;stroke:currentColor;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
  .mobile-nav-label{font-size:10px;font-weight:800;letter-spacing:.02em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:100%}
  .mobile-nav-item.active{color:#f2cd63;transform:translateY(-4px)}
  .mobile-nav-item.active .mobile-nav-icon{
    width:45px;height:45px;margin-top:-20px;
    background:radial-gradient(circle at 50% 35%,#ffe58b 0,#e6bd4f 36%,#9a731a 72%,#211a0b 100%);
    color:#090909;
    border:3px solid #0b0b0b;
    box-shadow:0 0 0 2px rgba(227,191,86,.9),0 0 25px rgba(227,191,86,.55),0 7px 20px rgba(0,0,0,.5);
    transform:translateY(-2px) scale(1.02);
  }
  .mobile-nav-item.active .mobile-nav-icon svg{width:25px;height:25px}
  .mobile-nav-item:active{transform:translateY(1px) scale(.97)}
  .mobile-nav-item:active .mobile-nav-icon{transform:scale(.90)}
  .mobile-nav-item.ripple .mobile-nav-icon::after{
    content:"";position:absolute;width:45px;height:45px;border-radius:50%;border:2px solid rgba(227,191,86,.75);animation:mobileNavRipple .55s ease-out forwards;pointer-events:none
  }
  @keyframes mobileNavRipple{from{transform:scale(.65);opacity:.8}to{transform:scale(1.55);opacity:0}}

  /* Hide the desktop/hamburger navigation trigger on phones; bottom nav replaces it. */
  .site-header .menu-btn{display:none!important}
  .main-nav{display:none!important}

  /* Footer alignment: contact button and copyright always centered. */
  .footer{display:grid;grid-template-columns:1fr;gap:22px;text-align:center;align-items:center}
  .footer-section{display:flex;flex-direction:column;align-items:center;text-align:center}
  .footer-section>div:last-child{max-width:680px}
  .footer-links{justify-content:center}
  .footer-center{display:flex!important;flex-direction:column;align-items:center!important;justify-content:center!important;text-align:center!important;gap:11px!important;width:100%}
  .copyright-text{width:100%;text-align:center!important;display:block}
  .footer-contact-btn{margin:0 auto!important;min-width:145px}
}

@media(max-width:390px){
  .mobile-bottom-nav{left:6px;right:6px;height:66px;border-radius:22px;padding-left:2px;padding-right:2px}
  .mobile-nav-label{font-size:9px}
  .mobile-nav-icon{width:28px;height:28px}
  .mobile-nav-item.active .mobile-nav-icon{width:42px;height:42px}
}

/* Desktop footer remains clean and centered around the contact action. */
@media(min-width:768px){
  .footer-center{display:flex;align-items:center;justify-content:center;text-align:center;gap:14px}
  .copyright-text{text-align:center}
}

/* Mobile app-style refinement inspired by the supplied navigation reference */
@media(max-width:767px){
  [data-theme=light] .mobile-bottom-nav{
    background:linear-gradient(145deg,rgba(255,255,255,.98),rgba(250,247,239,.98));
    border-color:rgba(201,162,39,.35);
    box-shadow:0 15px 40px rgba(16,24,40,.18),0 0 24px rgba(201,162,39,.10),inset 0 1px 0 rgba(255,255,255,.9);
  }
  [data-theme=light] .mobile-nav-item{color:#74716a}
  [data-theme=light] .mobile-nav-item.active{color:#8d6912}
  [data-theme=light] .mobile-nav-item.active .mobile-nav-icon{color:#fff;background:radial-gradient(circle at 50% 35%,#e9cf78 0,#c9a227 58%,#8d6912 100%);border-color:#fff;box-shadow:0 0 0 2px #c9a227,0 0 22px rgba(201,162,39,.30)}
  .page-shell{padding-bottom:28px}
  .home-banner{box-shadow:0 12px 35px rgba(0,0,0,.22),0 0 22px rgba(216,180,74,.08)}
  .hero{gap:16px}
  .hero h1{letter-spacing:-.035em}
  .overview-grid{grid-template-columns:1fr 1fr;gap:9px}
  .overview-card{min-width:0;padding:14px;border-radius:16px}
  .overview-card strong{font-size:21px;overflow-wrap:anywhere}
  .loan-list{grid-template-columns:1fr;gap:11px}
  .loan-card{border-radius:17px;box-shadow:0 10px 30px rgba(0,0,0,.10)}
  .loan-card-top strong{font-size:14px;white-space:nowrap}
  .loan-balance{font-size:20px}
  .pending-item{grid-template-columns:1fr;gap:9px}
  .info-grid{grid-template-columns:1fr}
  .section-title h2{font-size:21px}
  .section-title h3{font-size:14px}
  .primary-btn,.secondary-btn,.danger-btn{min-height:44px}
  .analysis-head>.actions{display:grid;grid-template-columns:1fr 1fr}
  .analysis-head>.actions .pdf-theme-select,.analysis-head>.actions #pdfBtn{grid-column:1/-1}
  .analysis-split>.panel{box-shadow:0 12px 32px rgba(0,0,0,.10)}
  .chart-panel{background:linear-gradient(145deg,color-mix(in srgb,var(--surface) 88%,#ff4d8d 12%),color-mix(in srgb,var(--surface2) 82%,#25b8ff 18%))}
}


/* ===== Phase 7.6 mobile/header refinements ===== */
.header-actions{display:flex;align-items:center;gap:8px;margin-left:auto;min-width:0}.header-translator{display:flex;align-items:center;justify-content:center;max-width:150px;min-width:0;overflow:hidden}.header-translator>div{max-width:100%;font-size:11px}.header-theme-btn{width:38px;height:38px;min-width:38px;padding:0;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--border);border-radius:12px;background:var(--surface);color:var(--gold);font-size:18px;cursor:pointer}.header-translator iframe{max-width:150px}.mobile-bottom-nav{transition:transform .28s cubic-bezier(.2,.8,.2,1),opacity .22s ease}.mobile-bottom-nav.nav-hidden{transform:translateY(calc(100% + 22px));opacity:.08;pointer-events:none}.pending-alert{border-color:rgba(255,77,138,.48)!important;box-shadow:0 0 24px rgba(255,77,138,.10)}.success-notice{border-color:rgba(84,211,133,.35)}.contact-page-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:18px}.contact-intro,.contact-form{min-width:0}.contact-form .field{margin-bottom:14px}
@media(max-width:767px){
  .site-header{gap:8px;padding-left:10px;padding-right:10px}.brand-logo{width:135px}.header-actions{gap:5px}.header-translator{max-width:92px}.header-theme-btn{width:34px;height:34px;min-width:34px;font-size:16px}.menu-btn{width:36px;height:36px;min-width:36px}.contact-page-grid{grid-template-columns:1fr}.mobile-bottom-nav.nav-hidden{transform:translateY(calc(100% + 28px))}
}
@media(max-width:390px){.brand-logo{width:122px}.header-translator{width:88px;max-width:88px}.header-theme-btn{width:32px;height:32px;min-width:32px}.menu-btn{width:34px;height:34px;min-width:34px}}

/* Phase 7.7: animated theme control + compact translator */
.header-translator{height:40px;width:112px;max-width:112px;overflow:hidden;position:relative;border:1px solid var(--border);border-radius:12px;background:var(--surface);display:flex;align-items:center;justify-content:center}
.header-translator:after{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(110deg,transparent,rgba(255,215,100,.12),transparent);transform:translateX(-120%);animation:translatorShimmer 4s ease-in-out infinite}
@keyframes translatorShimmer{50%{transform:translateX(120%)}}
.header-translator>div{width:100%;max-width:100%;font-size:10px;transform:none;pointer-events:auto;position:relative;z-index:2}
.header-theme-btn{position:relative;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;gap:5px;min-width:72px!important;width:auto!important;padding:0 10px!important;border-radius:999px!important;transition:background .35s ease,border-color .35s ease,box-shadow .35s ease,transform .2s ease}
.header-theme-btn:active{transform:scale(.94)}
.theme-icon{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:15px;transition:transform .5s cubic-bezier(.2,.8,.2,1),background .35s ease,box-shadow .35s ease}
.theme-icon.sun{background:#f7d46a;color:#332500;box-shadow:0 0 18px rgba(247,212,106,.45);transform:rotate(0)}
.theme-icon.moon{background:#232b46;color:#dbe7ff;box-shadow:0 0 18px rgba(120,160,255,.28);transform:rotate(-18deg)}
.header-theme-btn .theme-label{font-size:10px;font-weight:900;letter-spacing:.02em}
.header-theme-btn.is-dark{border-color:#5c4820;box-shadow:0 0 18px rgba(216,180,74,.12)}
@media(max-width:600px){.header-translator{width:94px;max-width:94px;height:36px}.header-theme-btn{min-width:34px!important;width:34px!important;padding:0!important}.header-theme-btn .theme-label{display:none}.theme-icon{width:24px;height:24px}}

/* ===== Eligibility calculator enhancements ===== */
.dynamic-section .subpanel-title{align-items:flex-start;flex-wrap:wrap}
.row-help{font-size:10px;color:var(--muted);font-weight:700;margin-left:auto}
.add-row-bottom{width:100%;margin-top:10px;min-height:42px;border-style:dashed;display:flex;align-items:center;justify-content:center}
.dynamic-section .row-list:empty{display:none}
.elig-status{display:flex;align-items:flex-start;gap:10px;margin:0 0 14px;padding:11px 12px;border-radius:13px;border:1px solid var(--border);background:var(--surface2);animation:eligStatusIn .28s ease both}
.elig-status.hidden{display:none}
.elig-status .status-icon{width:27px;height:27px;flex:0 0 27px;border-radius:50%;display:grid;place-items:center;font-weight:900}
.elig-status strong{display:block;font-size:12px;margin-bottom:2px}
.elig-status small{display:block;color:var(--muted);font-size:10px;line-height:1.45}
.elig-status.error{border-color:rgba(255,77,138,.45);background:rgba(255,77,138,.07)}
.elig-status.error .status-icon{background:#ff4d8a;color:#fff;box-shadow:0 0 18px rgba(255,77,138,.35)}
.elig-status.success{border-color:rgba(84,211,133,.35);background:rgba(84,211,133,.06)}
.elig-status.success .status-icon{background:#54d385;color:#07120b}
.elig-status.info{border-color:rgba(216,180,74,.35);background:rgba(216,180,74,.06)}
.elig-status.info .status-icon{background:var(--gold);color:#171106}
.result-actions{margin-top:16px;padding-top:14px;border-top:1px solid var(--border)}
.result-actions .primary-btn{width:100%}
.header-translator{z-index:4;pointer-events:auto;position:relative;isolation:isolate}
.header-translator:after{z-index:-1}
.header-translator iframe,.header-translator button,.header-translator [role="button"],.header-translator select{pointer-events:auto!important}
@keyframes eligStatusIn{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:translateY(0)}}
@media(max-width:600px){.row-help{width:100%;margin-left:0}.add-row-bottom{min-height:44px}.elig-status{padding:10px}.result-actions{margin-top:14px}}