@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

:root,
[data-theme="light"] {
  color-scheme: light;
  --bg: #f4f6fa;
  --bg-elevated: #ffffff;
  --surface: #ffffff;
  --surface-muted: #f8fafc;
  --surface-hover: #f1f5f9;
  --header-bg: rgba(255, 255, 255, 0.9);
  --border: #e2e8f0;
  --border-strong: #cbd5e1;
  --text: #0f172a;
  --text-secondary: #475569;
  --muted: #64748b;
  --primary: #2563eb;
  --primary-dark: #1d4ed8;
  --primary-soft: #eff6ff;
  --success: #059669;
  --success-soft: #ecfdf5;
  --warning: #d97706;
  --warning-soft: #fffbeb;
  --danger: #dc2626;
  --danger-soft: #fef2f2;
  --tax: #e11d48;
  --takehome: #059669;
  --chart-tax: #e11d48;
  --chart-takehome: #059669;
  --alert-info-text: #1e40af;
  --alert-warning-text: #92400e;
  --alert-success-text: #065f46;
  --shadow: 0 1px 3px rgba(15, 23, 42, 0.06), 0 8px 24px rgba(15, 23, 42, 0.06);
  --shadow-lg: 0 4px 6px rgba(15, 23, 42, 0.04), 0 20px 40px rgba(15, 23, 42, 0.08);
  --radius: 12px;
  --radius-lg: 16px;
  --select-chevron: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none'%3E%3Cpath d='M4 6l4 4 4-4' stroke='%2364748b' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
}

[data-theme="dark"] {
  color-scheme: dark;
  --bg: #090c10;
  --bg-elevated: #0f1419;
  --surface: #151b24;
  --surface-muted: #1a222d;
  --surface-hover: #1f2835;
  --header-bg: rgba(15, 20, 25, 0.85);
  --border: rgba(255, 255, 255, 0.08);
  --border-strong: rgba(255, 255, 255, 0.14);
  --text: #f1f5f9;
  --text-secondary: #94a3b8;
  --muted: #64748b;
  --primary: #60a5fa;
  --primary-dark: #93c5fd;
  --primary-soft: rgba(96, 165, 250, 0.12);
  --success: #34d399;
  --success-soft: rgba(52, 211, 153, 0.1);
  --warning: #fbbf24;
  --warning-soft: rgba(251, 191, 36, 0.1);
  --danger: #f87171;
  --danger-soft: rgba(248, 113, 113, 0.1);
  --tax: #fb7185;
  --takehome: #34d399;
  --chart-tax: #fb7185;
  --chart-takehome: #34d399;
  --alert-info-text: #93c5fd;
  --alert-warning-text: #fcd34d;
  --alert-success-text: #6ee7b7;
  --shadow: 0 1px 2px rgba(0, 0, 0, 0.4), 0 8px 24px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 4px 12px rgba(0, 0, 0, 0.45), 0 24px 48px rgba(0, 0, 0, 0.4);
  --select-chevron: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none'%3E%3Cpath d='M4 6l4 4 4-4' stroke='%2394a3b8' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

[data-theme="light"] body {
  background-image: none;
}

[data-theme="dark"] body {
  background-image: radial-gradient(ellipse 80% 50% at 50% -20%, rgba(96, 165, 250, 0.08), transparent);
}

body {
  margin: 0;
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  transition: background-color 0.2s ease, color 0.2s ease;
}

a { color: var(--primary); text-decoration: none; }
a:hover { color: var(--primary-dark); }

/* Header */
.site-header {
  background: var(--header-bg);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.site-header__actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.theme-toggle {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.4rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--surface-muted);
  color: var(--text-secondary);
  font-family: inherit;
  font-size: 0.75rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s, color 0.15s;
}

.theme-toggle:hover {
  background: var(--surface-hover);
  color: var(--text);
  border-color: var(--border-strong);
}

.theme-toggle__icon {
  font-size: 0.95rem;
  line-height: 1;
}

.theme-toggle__label {
  display: none;
}

@media (min-width: 480px) {
  .theme-toggle__label {
    display: inline;
  }
}

.site-header__inner {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0.875rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--text);
  text-decoration: none;
}

.logo-mark {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, var(--primary), #7c3aed);
  border-radius: 8px;
  display: grid;
  place-items: center;
  color: white;
  font-size: 0.75rem;
  font-weight: 800;
}

.nav {
  display: flex;
  gap: 0.25rem;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  background: var(--surface-muted);
  padding: 0.25rem;
  border-radius: 10px;
  border: 1px solid var(--border);
}

.nav a {
  padding: 0.45rem 0.85rem;
  border-radius: 8px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--muted);
  text-decoration: none;
}

.nav a:hover { color: var(--text); background: var(--surface); }
.nav a.active {
  background: var(--surface-hover);
  color: var(--primary);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.3);
}

/* Layout */
.page {
  max-width: 1120px;
  margin: 0 auto;
  padding: 2rem 1.5rem 4rem;
}

.page-hero {
  margin-bottom: 2rem;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.3rem 0.65rem;
  background: var(--primary-soft);
  color: var(--primary);
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
}

.page-hero h1 {
  font-size: clamp(1.75rem, 4vw, 2.35rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin: 0 0 0.5rem;
  line-height: 1.15;
}

.page-hero p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 1.05rem;
  max-width: 560px;
}

.calc-grid {
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 900px) {
  .calc-grid {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }
  .calc-results {
    position: sticky;
    top: 5rem;
  }
}

/* Cards */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.card__header {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--border);
}

.card__header h2 {
  margin: 0;
  font-size: 1rem;
  font-weight: 700;
}

.card__header p {
  margin: 0.25rem 0 0;
  font-size: 0.8rem;
  color: var(--muted);
}

.card__body { padding: 1.5rem; }

/* Inputs */
.input-group { margin-bottom: 1.25rem; }

.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 0.5rem;
}

.input-group .hint {
  font-weight: 400;
  font-size: 0.75rem;
  color: var(--muted);
}

.input-wrap {
  display: flex;
  align-items: center;
  background: var(--surface-muted);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  transition: border-color 0.15s, box-shadow 0.15s;
}

[data-theme="dark"] .input-wrap:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(96, 165, 250, 0.2);
  background: var(--surface-hover);
}

[data-theme="light"] .input-wrap:focus-within,
:root:not([data-theme]) .input-wrap:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
  background: var(--surface);
}

.input-prefix {
  padding: 0 0 0 1rem;
  font-weight: 700;
  color: var(--muted);
  font-size: 1.1rem;
}

.input-wrap input[type="text"],
.input-wrap input[type="number"] {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0.85rem 1rem 0.85rem 0.35rem;
  font-size: 1.35rem;
  font-weight: 700;
  font-family: inherit;
  color: var(--text);
  width: 100%;
  outline: none;
}

.input-wrap input::placeholder { color: var(--muted); font-weight: 500; }

input[type="range"] {
  width: 100%;
  margin-top: 0.65rem;
  accent-color: var(--primary);
  height: 4px;
}

/* Advanced (native <details> — works without JS) */
.advanced-details {
  margin-top: 0.5rem;
  border-top: 1px solid var(--border);
}

.advanced-details[hidden] {
  display: none !important;
}

.advanced-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 0.85rem 0;
  border: none;
  background: none;
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary);
  cursor: pointer;
  list-style: none;
  -webkit-tap-highlight-color: transparent;
}

.advanced-toggle::-webkit-details-marker {
  display: none;
}

.advanced-toggle::marker {
  content: '';
}

.advanced-toggle svg {
  flex-shrink: 0;
  transition: transform 0.2s;
}

.advanced-details[open] .advanced-toggle svg {
  transform: rotate(180deg);
}

.input-wrap--select {
  padding: 0;
  background: var(--surface-muted);
}

.input-wrap--select select {
  flex: 1;
  width: 100%;
  min-height: 3rem;
  border: none;
  margin: 0;
  padding: 0.85rem 2.5rem 0.85rem 1rem;
  font-family: inherit;
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1.35;
  color: var(--text);
  outline: none;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  color-scheme: light;
  background-color: var(--surface-muted);
  background-image: var(--select-chevron);
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  background-size: 1rem;
}

.input-wrap--select select:hover {
  background-color: var(--surface-hover);
}

.input-wrap--select select:focus {
  background-color: var(--surface-hover);
}

.input-wrap--select select option {
  background-color: var(--surface);
  color: var(--text);
  font-weight: 500;
}

[data-theme="dark"] .input-wrap--select {
  background: var(--surface-muted);
  border-color: var(--border-strong);
}

[data-theme="dark"] .input-wrap--select:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(96, 165, 250, 0.2);
  background: var(--surface-hover);
}

[data-theme="dark"] .input-wrap--select select {
  color-scheme: dark;
  background-color: var(--surface-muted);
}

[data-theme="dark"] .input-wrap--select select:hover,
[data-theme="dark"] .input-wrap--select select:focus {
  background-color: var(--surface-hover);
}

[data-theme="dark"] .input-wrap--select:focus-within select {
  background-color: var(--surface-hover);
}

[data-theme="dark"] .input-wrap--select select option {
  background-color: var(--surface);
  color: var(--text);
}

[data-theme="light"] .input-wrap--select:focus-within,
:root:not([data-theme]) .input-wrap--select:focus-within {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
  background: var(--surface);
}

[data-theme="light"] .input-wrap--select:focus-within select,
:root:not([data-theme]) .input-wrap--select:focus-within select {
  background-color: var(--surface);
}

.advanced-panel {
  padding: 0.75rem 0 0.25rem;
}

.advanced-panel .input-group:first-child {
  margin-top: 0;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.85rem;
  color: var(--text-secondary);
  margin-top: 0.75rem;
}

.checkbox-row input { margin-top: 0.2rem; accent-color: var(--primary); }

/* Results hero */
.result-hero {
  text-align: center;
  padding: 1.75rem 1.5rem;
  background: linear-gradient(160deg, var(--success-soft) 0%, var(--surface-muted) 100%);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  border-bottom: 1px solid var(--border);
}

.result-hero__label {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
  margin-bottom: 0.35rem;
}

.result-hero__amount {
  font-size: clamp(2.25rem, 6vw, 3rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--takehome);
  line-height: 1;
}

.result-hero__sub {
  margin-top: 0.5rem;
  font-size: 0.875rem;
  color: var(--muted);
}

/* Affiliate recommendations (high-intent, below take-home) */
.affiliate-strip {
  margin: 0 1.5rem 1rem;
  padding: 1rem 1rem 1.1rem;
  background: var(--primary-soft);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
}

.affiliate-strip__heading {
  margin: 0;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--muted);
}

.affiliate-strip__disclosure {
  margin: 0.35rem 0 0.85rem;
  font-size: 0.68rem;
  line-height: 1.4;
  color: var(--muted);
}

.affiliate-strip__grid {
  display: grid;
  gap: 0.5rem;
}

@media (min-width: 600px) {
  .affiliate-strip__grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

a.affiliate-card {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  padding: 0.75rem 0.85rem;
  background: var(--surface);
  border: 2px solid var(--primary);
  border-radius: var(--radius);
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s, background 0.15s;
}

a.affiliate-card:hover,
a.affiliate-card:focus-visible {
  border-color: var(--primary-dark);
  background: var(--surface-hover);
  box-shadow: var(--shadow);
  transform: translateY(-1px);
  text-decoration: none;
  color: inherit;
  outline: none;
}

.affiliate-card__name {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text);
}

.affiliate-card__desc {
  font-size: 0.72rem;
  line-height: 1.35;
  color: var(--text-secondary);
  flex: 1;
}

.affiliate-card__cta {
  display: inline-block;
  margin-top: 0.4rem;
  padding: 0.4rem 0.65rem;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--primary);
  background: var(--primary-soft);
  border: 1px solid var(--primary);
  border-radius: 6px;
  text-decoration: underline;
  text-underline-offset: 2px;
  align-self: flex-start;
}

a.affiliate-card:hover .affiliate-card__cta {
  color: #fff;
  background: var(--primary);
  border-color: var(--primary);
  text-decoration: none;
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--border);
  border-bottom: 1px solid var(--border);
}

.stat {
  background: var(--surface);
  padding: 1rem 0.75rem;
  text-align: center;
}

.stat__val {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text);
}

.stat__val.tax { color: var(--tax); }

.stat__label {
  font-size: 0.7rem;
  color: var(--muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 0.2rem;
}

/* Waterfall */
.waterfall { padding: 0; }

.waterfall-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.65rem 1.5rem;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--border);
}

.waterfall-row:last-child { border-bottom: none; }

.waterfall-row.subtotal {
  background: var(--surface-muted);
  font-weight: 700;
}

.waterfall-row.total {
  background: var(--success-soft);
  font-weight: 800;
  font-size: 1rem;
}

.waterfall-row .amt {
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}

.waterfall-row .amt.negative { color: var(--tax); }
.waterfall-row.total .amt { color: var(--takehome); font-size: 1.1rem; }

/* Alerts */
.alerts { padding: 1rem 1.5rem 0; }

.alert {
  display: flex;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  border-radius: var(--radius);
  margin-bottom: 0.65rem;
  font-size: 0.85rem;
}

.alert strong { display: block; font-size: 0.875rem; margin-bottom: 0.15rem; }

.alert--info { background: var(--primary-soft); color: var(--alert-info-text); }
.alert--warning { background: var(--warning-soft); color: var(--alert-warning-text); }
.alert--success { background: var(--success-soft); color: var(--alert-success-text); }

/* Bracket bars */
.bracket-section { padding: 1.25rem 1.5rem; border-top: 1px solid var(--border); }

.bracket-section h3 {
  margin: 0 0 1rem;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
}

.bracket-item { margin-bottom: 0.85rem; }

.bracket-item__head {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  margin-bottom: 0.35rem;
}

.bracket-item__head span:first-child { color: var(--text-secondary); font-weight: 500; }
.bracket-item__head span:last-child { font-weight: 700; }

.bracket-bar {
  height: 8px;
  background: var(--bg);
  border-radius: 999px;
  overflow: hidden;
}

.bracket-bar__fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), #7c3aed);
  border-radius: 999px;
  transition: width 0.35s ease;
}

/* Schedule pills */
.schedule {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  padding: 1.25rem 1.5rem;
  border-top: 1px solid var(--border);
}

.schedule-box {
  background: var(--surface-muted);
  border-radius: var(--radius);
  padding: 0.85rem 1rem;
}

.schedule-box__label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
}

.schedule-box__val {
  font-size: 1.15rem;
  font-weight: 800;
  margin-top: 0.2rem;
}

.schedule-box__hint {
  font-size: 0.7rem;
  color: var(--muted);
  margin-top: 0.15rem;
}

/* Chart */
.expense-insight {
  margin-top: 1rem;
  padding: 1rem;
  background: var(--primary-soft);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
  font-size: 0.85rem;
}

.expense-insight__title {
  margin: 0 0 0.65rem;
  font-weight: 700;
  font-size: 0.8rem;
  color: var(--primary-dark);
}

.expense-insight__row {
  display: flex;
  justify-content: space-between;
  padding: 0.35rem 0;
  color: var(--text-secondary);
}

.expense-insight__row--total {
  margin-top: 0.35rem;
  padding-top: 0.5rem;
  border-top: 1px dashed var(--border-strong);
  font-weight: 600;
  color: var(--text);
}

.expense-insight__row .negative { color: var(--tax); }
.expense-insight__row .positive { color: var(--success); }

.expense-insight__note {
  margin: 0.75rem 0 0;
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.45;
}

.chart-caption {
  margin: 0 0 0.75rem;
  font-size: 0.8rem;
  color: var(--muted);
  text-align: center;
}

.chart-section {
  padding: 1rem 1.5rem 1.25rem;
  border-top: 1px solid var(--border);
}

.chart-wrap { height: 180px; position: relative; }

/* FAQ & guide */
.section-below {
  margin-top: 2.5rem;
  display: grid;
  gap: 1.5rem;
}

@media (min-width: 700px) {
  .section-below { grid-template-columns: 1fr 1fr; }
}

.faq-item {
  border-bottom: 1px solid var(--border);
}

.faq-q {
  width: 100%;
  text-align: left;
  padding: 1rem 0;
  border: none;
  background: none;
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}

.faq-a {
  display: none;
  padding: 0 0 1rem;
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.faq-item.open .faq-a { display: block; }

.deduction-grid {
  display: grid;
  gap: 0.65rem;
}

.deduction-chip {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  padding: 0.75rem 1rem;
  background: var(--surface-muted);
  border-radius: var(--radius);
  font-size: 0.875rem;
  color: var(--text-secondary);
}

.deduction-chip::before {
  content: "✓";
  color: var(--success);
  font-weight: 800;
  flex-shrink: 0;
}

/* Hub */
.hub-hero { text-align: center; padding: 3rem 1.5rem 2rem; }

.hub-hero h1 {
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin: 0 0 0.75rem;
}

.hub-grid {
  display: grid;
  gap: 1rem;
  max-width: 960px;
  margin: 0 auto;
}

@media (min-width: 560px) {
  .hub-grid { grid-template-columns: 1fr 1fr; }
}

.hub-card {
  display: block;
  padding: 1.75rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  text-decoration: none;
  color: inherit;
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}

.hub-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
  text-decoration: none;
}

.hub-card__flag { font-size: 2rem; margin-bottom: 0.75rem; }
.hub-card h2 { margin: 0 0 0.35rem; font-size: 1.2rem; }
.hub-card p { margin: 0; color: var(--muted); font-size: 0.9rem; }

.features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem 2rem;
  margin-top: 2.5rem;
  padding: 0 1.5rem;
}

.feature {
  text-align: center;
  max-width: 140px;
}

.feature__icon { font-size: 1.5rem; margin-bottom: 0.35rem; }
.feature__text { font-size: 0.8rem; color: var(--muted); font-weight: 500; }

.site-footer {
  max-width: 1120px;
  margin: 0 auto;
  padding: 2rem 1.5rem;
  font-size: 0.8rem;
  color: var(--muted);
  border-top: 1px solid var(--border);
  text-align: center;
}

.disclaimer-bar {
  margin: 1.25rem 1.5rem 1.5rem;
  padding: 0.85rem 1rem;
  background: var(--surface-muted);
  border-radius: var(--radius);
  font-size: 0.75rem;
  color: var(--muted);
  line-height: 1.5;
}

.hidden { display: none !important; }

.calc-notice {
  margin: 0.65rem 0 0;
  padding: 0.5rem 0.65rem;
  font-size: 0.75rem;
  line-height: 1.35;
  color: var(--warning, #b45309);
  background: var(--warning-soft, #fffbeb);
  border: 1px solid #fcd34d;
  border-radius: 8px;
}