/* ==========================================================================
   Beaconshire Advisory — calculators.css
   Added 2026-10-16. Loads AFTER main.css and premium.css on /calculators/*.
   Shared layout, form controls, KPI tiles, charts and tables for the
   interactive calculator library. Uses the site tokens (navy / gold /
   Lora / Inter / JetBrains Mono). No framework, no external JS.
   ========================================================================== */

:root {
  --calc-ok:   #2E7D4F;
  --calc-warn: #B7791F;
  --calc-bad:  #B3261E;
  --calc-ok-bg:   #EAF5EE;
  --calc-warn-bg: #FBF3E3;
  --calc-bad-bg:  #FBECEA;
  --calc-line: rgba(10, 31, 54, .10);
  --calc-sticky-top: 88px;
}

/* --- hero variant ----------------------------------------------------- */
.calc-hero { padding-bottom: clamp(40px, 6vw, 64px); }
.calc-hero h1 { max-width: 26ch; }
.calc-meta {
  list-style: none; margin: 1.25rem 0 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 8px 10px;
}
.calc-meta li {
  font-family: var(--font-mono); font-size: 11px; letter-spacing: .08em;
  text-transform: uppercase; color: rgba(255,255,255,.78);
  border: 1px solid rgba(255,255,255,.18); border-radius: 999px;
  padding: 6px 12px; display: inline-flex; align-items: center; gap: 8px;
}
.calc-meta li::before { content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--gold-500); }

/* --- shell + layout --------------------------------------------------- */
.calc-shell { background: var(--neutral-50); padding: clamp(32px, 5vw, 56px) 0 clamp(56px, 7vw, 88px); }
.calc-layout {
  display: grid; gap: 28px;
  grid-template-columns: minmax(300px, 400px) minmax(0, 1fr);
  align-items: start;
}
@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } }

/* --- inputs panel ----------------------------------------------------- */
.calc-inputs {
  background: var(--neutral-0);
  border: 1px solid var(--calc-line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-elev-1);
  position: sticky; top: var(--calc-sticky-top);
  max-height: calc(100vh - var(--calc-sticky-top) - 16px);
  overflow-y: auto;
  overscroll-behavior: contain;
}
@media (max-width: 900px) { .calc-inputs { position: static; max-height: none; } }
.calc-inputs-head {
  padding: 18px 22px 14px;
  border-bottom: 1px solid var(--calc-line);
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
}
.calc-inputs-head h2 {
  font-family: var(--font-serif); font-weight: 500; font-size: 1.15rem;
  margin: 0; color: var(--navy-900);
}
.calc-inputs form { padding: 6px 22px 22px; }
.calc-fieldset { border: 0; padding: 0; margin: 0 0 6px; }
.calc-fieldset legend {
  font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold-ink); font-weight: 500;
  padding: 18px 0 8px; width: 100%;
  border-bottom: 1px solid var(--calc-line); margin-bottom: 12px;
}
.calc-fieldset:first-of-type legend { padding-top: 12px; }

.field { display: grid; gap: 6px; margin: 0 0 14px; }
.field label, .field .field-label {
  font-size: 13px; font-weight: 600; color: var(--navy-900); letter-spacing: .01em;
  display: flex; align-items: baseline; justify-content: space-between; gap: 8px;
}
.field .hint {
  font-size: 12px; color: var(--neutral-500); line-height: 1.45; margin: 0;
}
.field .hint a { color: var(--neutral-700); }
.control {
  position: relative; display: flex; align-items: stretch;
  border: 1px solid var(--neutral-300); border-radius: var(--radius-md);
  background: var(--neutral-50);
  transition: border-color var(--t-fast), background var(--t-fast), box-shadow var(--t-fast);
}
.control:focus-within { background: var(--neutral-0); border-color: var(--gold-600); box-shadow: 0 0 0 3px rgba(201,169,97,.22); }
.control .affix {
  display: flex; align-items: center; padding: 0 11px;
  font-family: var(--font-mono); font-size: 13px; color: var(--neutral-500);
  background: var(--neutral-100); border-right: 1px solid var(--neutral-200);
  border-radius: var(--radius-md) 0 0 var(--radius-md); user-select: none;
}
.control .affix.suffix { border-right: 0; border-left: 1px solid var(--neutral-200); border-radius: 0 var(--radius-md) var(--radius-md) 0; }
.control input, .control select {
  flex: 1; min-width: 0; width: 100%;
  padding: 10px 12px; font-size: 16px; font-family: var(--font-sans);
  color: var(--navy-900); background: transparent; border: 0; outline: 0;
  font-variant-numeric: tabular-nums;
}
.control input[data-type="money"], .control input[data-type="pct"], .control input[data-type="num"], .control input[data-type="int"] { text-align: right; font-family: var(--font-mono); font-size: 15px; }
.control select {
  appearance: none; padding-right: 34px; cursor: pointer;
  background-image: linear-gradient(45deg, transparent 50%, var(--navy-700) 50%), linear-gradient(135deg, var(--navy-700) 50%, transparent 50%);
  background-position: calc(100% - 17px) 50%, calc(100% - 12px) 50%;
  background-size: 5px 5px; background-repeat: no-repeat;
}
.control input::placeholder { color: var(--neutral-300); }
.control.is-invalid { border-color: var(--calc-bad); }
.field-error { font-size: 12px; color: var(--calc-bad); margin: 0; display: none; }
.field.has-error .field-error { display: block; }

/* range slider */
.field input[type="range"] {
  width: 100%; -webkit-appearance: none; appearance: none; height: 4px; margin: 10px 0 4px;
  background: linear-gradient(90deg, var(--gold-500) var(--fill, 0%), var(--neutral-200) var(--fill, 0%));
  border-radius: 2px; outline: 0;
}
.field input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--navy-900); border: 3px solid var(--gold-500); cursor: pointer; box-shadow: var(--shadow-sm); }
.field input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--navy-900); border: 3px solid var(--gold-500); cursor: pointer; }
.field input[type="range"]:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 4px; }
.range-row { display: flex; align-items: center; gap: 10px; }
.range-row .range-val { font-family: var(--font-mono); font-size: 13px; color: var(--navy-900); min-width: 56px; text-align: right; }

/* toggles / segmented */
.seg { display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 0; border: 1px solid var(--neutral-300); border-radius: var(--radius-md); overflow: hidden; background: var(--neutral-50); }
.seg label { position: relative; margin: 0; }
.seg input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.seg span {
  display: block; text-align: center; padding: 9px 8px; font-size: 13.5px; font-weight: 500;
  color: var(--neutral-700); border-right: 1px solid var(--neutral-200); cursor: pointer; transition: background var(--t-fast), color var(--t-fast);
}
.seg label:last-child span { border-right: 0; }
.seg input:checked + span { background: var(--navy-900); color: var(--neutral-0); }
.seg input:focus-visible + span { outline: 3px solid var(--gold-500); outline-offset: -3px; }

.check { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--neutral-700); margin: 0 0 12px; cursor: pointer; }
.check input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--navy-900); flex-shrink: 0; }
.check strong { color: var(--navy-900); font-weight: 600; }

.calc-form-actions { display: flex; flex-wrap: wrap; gap: 8px; padding-top: 10px; border-top: 1px solid var(--calc-line); margin-top: 8px; }
.btn-text {
  background: none; border: 1px solid var(--neutral-300); border-radius: var(--radius-md);
  padding: 8px 12px; font-size: 13px; font-weight: 500; color: var(--neutral-700); cursor: pointer;
  transition: border-color var(--t-fast), color var(--t-fast), background var(--t-fast);
}
.btn-text:hover { border-color: var(--navy-700); color: var(--navy-900); background: var(--neutral-50); }

/* collapsible advanced inputs */
.calc-adv { border: 0; padding: 0; margin: 4px 0 10px; }
.calc-adv summary {
  list-style: none; cursor: pointer;
  font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .14em; text-transform: uppercase;
  color: var(--navy-700); padding: 10px 0; border-top: 1px solid var(--calc-line); display: flex; justify-content: space-between; align-items: center;
}
.calc-adv summary::-webkit-details-marker { display: none; }
.calc-adv summary::after { content: "+"; font-size: 16px; color: var(--gold-600); font-family: var(--font-sans); }
.calc-adv[open] summary::after { content: "\2212"; }

/* --- results ---------------------------------------------------------- */
.calc-results { display: grid; gap: 20px; min-width: 0; }
.kpi-grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(155px, 1fr)); }
.kpi {
  background: var(--neutral-0); border: 1px solid var(--calc-line); border-radius: var(--radius-md);
  padding: 18px 20px 16px; box-shadow: var(--shadow-elev-1); position: relative; overflow: hidden;
  min-width: 0;
}
.kpi::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 3px; background: var(--gold-500); }
.kpi.kpi-hero { background: var(--navy-900); border-color: var(--navy-900); color: var(--neutral-0); }
.kpi.kpi-hero::before { background: var(--gold-500); }
.kpi.good::before { background: var(--calc-ok); }
.kpi.warn::before { background: var(--calc-warn); }
.kpi.bad::before  { background: var(--calc-bad); }
.kpi-label { font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .13em; text-transform: uppercase; color: var(--neutral-500); margin: 0 0 8px; }
.kpi.kpi-hero .kpi-label { color: rgba(255,255,255,.65); }
.kpi-value { font-family: var(--font-mono); font-size: clamp(1.25rem, .9vw + .85rem, 1.65rem); font-weight: 500; color: var(--navy-900); line-height: 1.05; letter-spacing: -.02em; font-variant-numeric: tabular-nums; margin: 0; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.kpi.kpi-hero .kpi-value { color: var(--gold-500); }
.kpi-sub { font-size: 12.5px; color: var(--neutral-500); margin: 8px 0 0; line-height: 1.4; }
.kpi.kpi-hero .kpi-sub { color: rgba(255,255,255,.7); }

.calc-card {
  background: var(--neutral-0); border: 1px solid var(--calc-line); border-radius: var(--radius-md);
  box-shadow: var(--shadow-elev-1); padding: 22px 24px 24px; min-width: 0;
}
.calc-card > h2, .calc-card > h3 {
  font-family: var(--font-serif); font-weight: 500; font-size: 1.2rem; color: var(--navy-900);
  margin: 0 0 4px;
}
.calc-card .card-sub { font-size: 13.5px; color: var(--neutral-500); margin: 0 0 16px; }
.calc-card.dark { background: var(--navy-950); border-color: var(--navy-950); color: var(--neutral-0); }
.calc-card.dark h2, .calc-card.dark h3 { color: var(--neutral-0); }
.calc-card.dark .card-sub { color: rgba(255,255,255,.65); }

/* verdict / status banner */
.verdict {
  display: grid; grid-template-columns: auto 1fr; gap: 14px; align-items: start;
  padding: 16px 18px; border-radius: var(--radius-md); border: 1px solid transparent;
  font-size: 15px; line-height: 1.5; color: var(--navy-900);
}
.verdict .v-icon { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; font-family: var(--font-mono); font-size: 14px; font-weight: 600; color: #fff; flex-shrink: 0; }
.verdict strong { display: block; font-family: var(--font-serif); font-weight: 500; font-size: 1.05rem; margin-bottom: 2px; }
.verdict.ok   { background: var(--calc-ok-bg);   border-color: rgba(46,125,79,.25); }  .verdict.ok .v-icon { background: var(--calc-ok); }
.verdict.warn { background: var(--calc-warn-bg); border-color: rgba(183,121,31,.3); } .verdict.warn .v-icon { background: var(--calc-warn); }
.verdict.bad  { background: var(--calc-bad-bg);  border-color: rgba(179,38,30,.25); }  .verdict.bad .v-icon { background: var(--calc-bad); }
.verdict.info { background: var(--neutral-100); border-color: var(--neutral-200); }     .verdict.info .v-icon { background: var(--navy-700); }

/* insights list */
.insights { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.insights li { position: relative; padding-left: 20px; font-size: 14.5px; line-height: 1.55; color: var(--neutral-700); }
.insights li::before { content: ""; position: absolute; left: 0; top: 8px; width: 6px; height: 6px; border-radius: 50%; background: var(--gold-500); }
.insights li strong { color: var(--navy-900); }
.insights li.flag::before { background: var(--calc-bad); }
.insights li.good::before { background: var(--calc-ok); }
.calc-card.dark .insights li { color: rgba(255,255,255,.8); }
.calc-card.dark .insights li strong { color: var(--neutral-0); }

/* data tables */
.calc-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 -4px; padding: 0 4px; }
.calc-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.calc-table th, .calc-table td { padding: 9px 10px; border-bottom: 1px solid var(--calc-line); text-align: right; white-space: nowrap; vertical-align: top; }
.calc-table th { font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--neutral-500); font-weight: 500; border-bottom: 1px solid var(--navy-900); }
.calc-table th:first-child, .calc-table td:first-child { text-align: left; white-space: normal; }
.calc-table td { font-family: var(--font-mono); font-size: 13.5px; color: var(--navy-900); font-variant-numeric: tabular-nums; }
.calc-table td:first-child { font-family: var(--font-sans); color: var(--neutral-700); font-size: 14px; }
.calc-table tr.total td { font-weight: 600; border-top: 1px solid var(--navy-900); border-bottom: 0; background: var(--neutral-50); }
.calc-table tr.sub td { color: var(--neutral-500); font-size: 12.5px; }
.calc-table tr.neg td { color: var(--calc-bad); }
.calc-table tr.hl td { background: rgba(201,169,97,.10); }
.calc-table td.neg { color: var(--calc-bad); }
.calc-table td.pos { color: var(--calc-ok); }
.calc-table td.muted { color: var(--neutral-500); }
.calc-table td.wrap { white-space: normal; max-width: 34ch; }
.calc-table .pill { display: inline-block; font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .08em; text-transform: uppercase; padding: 3px 8px; border-radius: 999px; background: var(--neutral-100); color: var(--neutral-700); }
.calc-table .pill.ok { background: var(--calc-ok-bg); color: var(--calc-ok); }
.calc-table .pill.warn { background: var(--calc-warn-bg); color: var(--calc-warn); }
.calc-table .pill.bad { background: var(--calc-bad-bg); color: var(--calc-bad); }
.calc-table input { width: 92px; padding: 5px 7px; font-family: var(--font-mono); font-size: 13px; text-align: right; border: 1px solid var(--neutral-300); border-radius: 4px; background: var(--neutral-50); color: var(--navy-900); }
.calc-table input:focus { outline: 0; border-color: var(--gold-600); box-shadow: 0 0 0 3px rgba(201,169,97,.22); background: var(--neutral-0); }
.calc-table .editable-note { font-size: 12px; color: var(--neutral-500); }
.calc-table.grid-table td:first-child { white-space: nowrap; }

/* comparison columns */
.compare { display: grid; gap: 0; grid-template-columns: 1.4fr 1fr 1fr; border-top: 1px solid var(--navy-900); }
.compare > div { padding: 10px 10px; border-bottom: 1px solid var(--calc-line); font-size: 14px; }
.compare .ch { font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--neutral-500); }
.compare .cv { font-family: var(--font-mono); font-size: 13.5px; text-align: right; color: var(--navy-900); }
.compare .cl { color: var(--neutral-700); }
.compare .ct { font-weight: 600; background: var(--neutral-50); }

/* charts */
.chart { width: 100%; }
.chart svg { width: 100%; height: auto; display: block; font-family: var(--font-mono); }
.chart .axis { stroke: var(--calc-line); stroke-width: 1; }
.chart .grid { stroke: rgba(10,31,54,.06); stroke-width: 1; }
.chart .tick { fill: var(--neutral-500); font-size: 11px; }
.chart .lbl { fill: var(--neutral-700); font-size: 11px; }
.chart .lbl-strong { fill: var(--navy-900); font-size: 11.5px; font-weight: 500; }
.chart .bar-a { fill: var(--navy-900); }
.chart .bar-b { fill: var(--gold-500); }
.chart .bar-c { fill: var(--neutral-300); }
.chart .bar-d { fill: var(--navy-600); }
.chart .bar-neg { fill: var(--calc-bad); }
.chart .line-a { fill: none; stroke: var(--navy-900); stroke-width: 2.2; stroke-linejoin: round; }
.chart .line-b { fill: none; stroke: var(--gold-500); stroke-width: 2.2; stroke-linejoin: round; }
.chart .line-c { fill: none; stroke: var(--neutral-500); stroke-width: 1.6; stroke-dasharray: 4 4; }
.chart .area-a { fill: rgba(10,31,54,.08); }
.chart .area-b { fill: rgba(201,169,97,.18); }
.chart .dot-a { fill: var(--navy-900); }
.chart .dot-b { fill: var(--gold-500); }
.chart .marker { stroke: var(--calc-bad); stroke-width: 1.5; stroke-dasharray: 3 3; }
.chart .marker-lbl { fill: var(--calc-bad); font-size: 11px; }
.chart .zero { stroke: var(--navy-900); stroke-width: 1; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 10px 0 0; padding: 0; list-style: none; font-size: 12.5px; color: var(--neutral-700); }
.chart-legend li { display: inline-flex; align-items: center; gap: 7px; }
.chart-legend .sw { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.sw.a { background: var(--navy-900); } .sw.b { background: var(--gold-500); } .sw.c { background: var(--neutral-300); } .sw.d { background: var(--navy-600); } .sw.neg { background: var(--calc-bad); }

/* stacked meter */
.meter { display: flex; height: 18px; border-radius: 999px; overflow: hidden; background: var(--neutral-100); margin: 8px 0 10px; }
.meter > span { display: block; height: 100%; min-width: 0; }
.meter .a { background: var(--navy-900); } .meter .b { background: var(--gold-500); } .meter .c { background: var(--neutral-300); } .meter .d { background: var(--navy-600); } .meter .neg { background: var(--calc-bad); }

/* actions */
.calc-actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.calc-actions .btn-text { background: var(--neutral-0); }
.calc-actions .note { font-size: 12.5px; color: var(--neutral-500); margin: 0; }
.copied { color: var(--calc-ok) !important; border-color: var(--calc-ok) !important; }

/* methodology */
.method-grid { display: grid; gap: 28px; grid-template-columns: 1.3fr 1fr; align-items: start; }
@media (max-width: 900px) { .method-grid { grid-template-columns: 1fr; } }
.method-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.method-list li { position: relative; padding-left: 26px; font-size: 15px; line-height: 1.55; color: var(--neutral-700); }
.method-list li::before { content: "\2014"; position: absolute; left: 0; top: 0; color: var(--gold-500); }
.method-list strong { color: var(--navy-900); }
.method-list code { font-family: var(--font-mono); font-size: .9em; background: var(--neutral-0); padding: 1px 6px; border-radius: 4px; border: 1px solid var(--neutral-200); }
.sources { background: var(--neutral-0); border: 1px solid var(--neutral-200); border-radius: var(--radius-md); padding: 20px 22px; }
.sources h3 { font-family: var(--font-mono); font-size: 10.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-ink); font-weight: 500; margin: 0 0 12px; }
.sources ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; counter-reset: src; }
.sources li { position: relative; padding-left: 30px; font-size: 13.5px; line-height: 1.5; color: var(--neutral-700); counter-increment: src; }
.sources li::before { content: counter(src, decimal-leading-zero); position: absolute; left: 0; top: 2px; font-family: var(--font-mono); font-size: 11px; color: var(--neutral-500); }
.sources li a { color: var(--navy-700); word-break: break-word; }
.calc-disclaimer { font-size: 13px; color: var(--neutral-500); line-height: 1.55; border-left: 2px solid var(--gold-500); padding-left: 14px; margin: 24px 0 0; max-width: 90ch; }

/* --- hub page ---------------------------------------------------------- */
.hub-groups { display: grid; gap: 40px; margin-top: 8px; }
.hub-group-head { display: grid; grid-template-columns: auto 1fr; gap: 16px; align-items: baseline; padding-bottom: 12px; border-bottom: 1px solid var(--navy-900); margin-bottom: 20px; }
.hub-group-head .gnum { font-family: var(--font-mono); font-size: 11px; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-ink); }
.hub-group-head h2 { font-family: var(--font-serif); font-weight: 500; font-size: 1.45rem; margin: 0; color: var(--navy-900); }
.hub-group-head p { grid-column: 2; margin: 4px 0 0; font-size: 15px; color: var(--neutral-700); }
.hub-grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.hub-card {
  display: flex; flex-direction: column; gap: 10px;
  background: var(--neutral-0); border: 1px solid var(--calc-line); border-radius: var(--radius-md);
  padding: 24px 24px 22px; text-decoration: none; color: var(--navy-900); position: relative; overflow: hidden;
  box-shadow: var(--shadow-elev-1);
  transition: transform var(--motion-med) var(--ease-out-expo), box-shadow var(--motion-med) var(--ease-out-expo), border-color var(--motion-med);
}
.hub-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold-700), var(--gold-500), var(--gold-300)); opacity: 0; transition: opacity var(--motion-med); }
.hub-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-elev-3); border-color: rgba(201,169,97,.45); color: var(--navy-900); }
.hub-card:hover::before { opacity: 1; }
.hub-card .hc-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--navy-900); display: grid; place-items: center; color: var(--gold-500); }
.hub-card .hc-icon svg { width: 20px; height: 20px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.hub-card h3 { font-family: var(--font-serif); font-weight: 500; font-size: 1.2rem; margin: 6px 0 0; line-height: 1.25; }
.hub-card p { font-size: 14.5px; color: var(--neutral-700); margin: 0; line-height: 1.55; flex: 1; }
.hub-card .hc-answers { font-family: var(--font-mono); font-size: 11px; letter-spacing: .06em; color: var(--gold-ink); margin: 2px 0 0; }
.hub-card .hc-go { font-size: 14px; font-weight: 600; color: var(--navy-700); margin-top: 8px; }
.hub-card:hover .hc-go { color: var(--gold-600); }
.hub-principles { display: grid; gap: 20px; grid-template-columns: repeat(4, 1fr); margin-top: 32px; }
@media (max-width: 900px) { .hub-principles { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .hub-principles { grid-template-columns: 1fr; } }
.hub-principles div { border-top: 2px solid var(--navy-900); padding-top: 14px; }
.hub-principles h4 { font-family: var(--font-serif); font-weight: 500; font-size: 1.05rem; margin: 0 0 6px; color: var(--navy-900); }
.hub-principles p { font-size: 14px; color: var(--neutral-700); margin: 0; }

/* related calculators strip */
.calc-related { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); margin-top: 24px; }
.calc-related a { display: block; padding: 16px 18px; background: var(--neutral-0); border: 1px solid var(--neutral-200); border-radius: var(--radius-md); text-decoration: none; color: var(--navy-900); font-size: 14.5px; font-weight: 600; transition: border-color var(--t-fast), transform var(--t-fast); }
.calc-related a span { display: block; font-weight: 400; font-size: 13px; color: var(--neutral-500); margin-top: 4px; }
.calc-related a:hover { border-color: var(--gold-500); transform: translateY(-2px); color: var(--navy-900); }

.print-brand { display: none; }
/* --- print ------------------------------------------------------------- */
@media print {
  .print-brand { display: block; font-family: var(--font-mono); font-size: 10px; letter-spacing: .08em; text-transform: uppercase; color: #555; border-bottom: 1px solid #C9A961; padding: 0 0 6px; margin: 0 0 10px; }
  [data-action=example] { display: none !important; }
  .site-header, .site-footer, .breadcrumbs, .page-cta, .calc-actions, .calc-form-actions, .calc-related, .skip-link, #vtag-ai-js { display: none !important; }
  .page-hero { background: #fff !important; color: #000 !important; padding: 0 0 12px !important; }
  .page-hero h1, .page-hero .lede { color: #000 !important; }
  .page-hero::before, .page-hero::after { display: none !important; }
  .calc-meta li { color: #333 !important; border-color: #999 !important; }
  .calc-shell { background: #fff; padding: 0; }
  .calc-layout { grid-template-columns: 1fr; gap: 16px; }
  .calc-inputs { position: static; max-height: none; box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
  .calc-inputs .calc-adv { display: block; } .calc-inputs .calc-adv summary { display: none; }
  .calc-card, .kpi { box-shadow: none; break-inside: avoid; border: 1px solid #ccc; }
  .kpi.kpi-hero { background: #0A1F36 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .content-block { padding: 16px 0; }
  body { font-size: 12px; }
}