/* credit-score-impact-calculator (cs) v3 */
.cs-calc-wrapper{--cs-navy:#002868;--cs-red:#BF0A30;--cs-green:#00875A;--cs-saffron:#FF9933;--cs-bg:#F4F6FA;--cs-border:#D0D9E8;--cs-text:#1A1A2E;--cs-muted:#5A6B85;--cs-faint:#4D6666;font-family:'Inter',system-ui,-apple-system,sans-serif;color:var(--cs-text);line-height:1.7;max-width:1080px;margin:0 auto;padding:0 16px}
.cs-calc-wrapper *{box-sizing:border-box}
.cs-calc-wrapper h1,.cs-calc-wrapper h2,.cs-calc-wrapper h3{font-family:'Montserrat',system-ui,sans-serif;line-height:1.25;color:var(--cs-navy)}

/* HERO */
.cs-hero{color:#fff;border-radius:16px;padding:44px 48px 40px;margin:18px 0 30px;background:linear-gradient(135deg,#002868 0%,#001a4d 60%,#BF0A30 100%)}
.cs-hero h1{color:#fff;font-size:clamp(1.6rem,3.4vw,2.4rem);margin:14px 0 10px}
.cs-badge{display:inline-block;background:rgba(255,153,51,.22);color:#FFD8A8;border:1px solid rgba(255,153,51,.5);padding:5px 14px;border-radius:999px;font-size:.78rem;font-weight:600;letter-spacing:.03em;text-transform:uppercase}
.cs-subtitle{color:#DCE6F5;font-size:clamp(1rem,1.6vw,1.15rem);max-width:770px;margin:0 0 20px}
.cs-pills{display:flex;flex-wrap:wrap;gap:10px}
.cs-pill{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#EAF1FB;padding:7px 14px;border-radius:999px;font-size:.83rem;font-weight:500}

/* SECTION */
.cs-section{margin:34px 0}
.cs-section h2{font-size:clamp(1.3rem,2.4vw,1.75rem);margin:0 0 14px;padding-bottom:8px;border-bottom:3px solid var(--cs-saffron)}
.cs-section h3{font-size:1.12rem;margin:22px 0 8px;color:var(--cs-red)}
.cs-section p{margin:0 0 14px}

/* CALCULATOR */
.cs-calc{background:var(--cs-bg);border:1px solid var(--cs-border);border-radius:16px;padding:26px;margin:8px 0 20px}
.cs-calc-header h2{border:0;margin:0 0 18px;padding:0}
.cs-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cs-inputs{display:flex;flex-direction:column;gap:16px}
.cs-field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--cs-navy)}
.cs-field input,.cs-field select{width:100%;padding:11px 13px;border:1px solid var(--cs-border);border-radius:10px;font-size:1rem;background:#fff;color:var(--cs-text);font-family:inherit}
.cs-field input:focus,.cs-field select:focus{outline:2px solid var(--cs-saffron);border-color:var(--cs-saffron)}
.cs-hint{font-size:.78rem;color:var(--cs-faint);margin-top:5px}
.cs-radios{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.cs-radio{position:relative}
.cs-radio input{position:absolute;opacity:0;pointer-events:none}
.cs-radio label{display:block;text-align:center;padding:10px 8px;border:1px solid var(--cs-border);border-radius:10px;background:#fff;cursor:pointer;font-weight:600;font-size:.86rem;color:var(--cs-navy);transition:all .15s;margin:0}
.cs-radio input:checked + label{background:var(--cs-navy);color:#fff;border-color:var(--cs-navy)}

/* FAMILY ROWS */
.cs-fam-row{display:grid;grid-template-columns:1fr 1.4fr auto;gap:8px;margin-bottom:8px;align-items:center}
.cs-fam-row input,.cs-fam-row select{padding:9px 11px;border:1px solid var(--cs-border);border-radius:8px;font-size:.9rem;background:#fff;color:var(--cs-text);font-family:inherit}
.cs-fam-del{background:var(--cs-red);color:#fff;border:0;border-radius:8px;padding:9px 12px;font-size:.82rem;cursor:pointer;font-weight:600}
.cs-add-btn{background:var(--cs-green);color:#fff;border:0;border-radius:8px;padding:10px 16px;font-size:.9rem;cursor:pointer;font-weight:600;font-family:'Montserrat',sans-serif;margin-top:4px}

/* RESULTS */
.cs-results,.cs-fam-results{display:none}
.cs-results-box{background:var(--cs-navy);color:#fff;border-radius:14px;padding:22px;margin-bottom:16px}
.cs-headline{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.cs-head-card{border-radius:10px;padding:14px 16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15)}
.cs-head-card .k{font-size:.74rem;color:#CDD8EC;margin:0 0 3px;text-transform:uppercase;letter-spacing:.03em}
.cs-head-card .v{font-family:'Montserrat',sans-serif;font-size:1.5rem;font-weight:700;color:#fff;margin:0}
.cs-subrow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:6px}
.cs-mini .k{font-size:.72rem;color:#AEC2E4;margin:0;text-transform:uppercase;letter-spacing:.03em}
.cs-mini .v{font-family:'Montserrat',sans-serif;font-size:1.05rem;font-weight:600;color:#fff;margin:2px 0 0}
.cs-approp{width:100%;border-collapse:collapse;margin:12px 0 0;background:#fff;border-radius:10px;overflow:hidden;border:1px solid var(--cs-border)}
.cs-approp td{padding:8px 13px;border-bottom:1px solid var(--cs-border);font-size:.88rem;color:var(--cs-text)}
.cs-approp tr:last-child td{border-bottom:0}
.cs-approp td:last-child{text-align:right;font-weight:600;font-family:'Montserrat',sans-serif;color:var(--cs-navy)}
.cs-approp caption{caption-side:top;text-align:left;font-size:.76rem;color:#CDD8EC;padding:0 0 6px}
.cs-chart-wrap{position:relative;height:300px;background:#fff;border:1px solid var(--cs-border);border-radius:12px;padding:14px 12px 8px;margin-top:16px}
.cs-chart-cap{font-size:.78rem;color:var(--cs-faint);text-align:center;margin:6px 0 0}
.cs-chart-wrap canvas{max-width:100%}
.cs-fam-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}

/* ACTIONS */
.cs-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.cs-btn-primary,.cs-btn-secondary,.cs-btn-wa{border:0;border-radius:10px;padding:13px 22px;font-size:1rem;font-weight:600;cursor:pointer;font-family:'Montserrat',sans-serif}
.cs-btn-primary{background:var(--cs-saffron);color:#3A2200}
.cs-btn-primary:hover{background:#F08A1D}
.cs-btn-secondary{background:var(--cs-navy);color:#fff}
.cs-btn-wa{background:var(--cs-green);color:#fff}

/* TABLES */
.cs-table{width:100%;border-collapse:collapse;margin:14px 0;font-size:.9rem}
.cs-table th,.cs-table td{border:1px solid var(--cs-border);padding:10px 12px;text-align:left}
.cs-table th{background:var(--cs-navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:.85rem}
.cs-table tr:nth-child(even) td{background:var(--cs-bg)}
.cs-table caption{caption-side:top;font-size:.82rem;color:var(--cs-faint);text-align:left;margin-bottom:6px}

/* EXAMPLES / TIPS */
.cs-example{background:var(--cs-bg);border-left:4px solid var(--cs-saffron);border-radius:0 10px 10px 0;padding:16px 20px;margin:14px 0}
.cs-example h3{margin-top:0}
.cs-tips{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:14px 0}
.cs-tip{background:#fff;border:1px solid var(--cs-border);border-radius:12px;padding:16px 18px}
.cs-tip h3{margin:0 0 6px;font-size:1rem;color:var(--cs-navy)}
.cs-tip p{margin:0;font-size:.9rem;color:var(--cs-muted)}

/* FAQ */
.cs-faqs{margin:14px 0}
.cs-faqs details{border:1px solid var(--cs-border);border-radius:10px;margin-bottom:10px;background:#fff;overflow:hidden}
.cs-faqs summary{padding:14px 18px;font-weight:600;cursor:pointer;color:var(--cs-navy);font-family:'Montserrat',sans-serif;font-size:.96rem;list-style:none}
.cs-faqs summary::-webkit-details-marker{display:none}
.cs-faqs summary::after{content:'+';float:right;font-size:1.3rem;color:var(--cs-saffron);line-height:1}
.cs-faqs details[open] summary::after{content:'−'}
.cs-faqs details p{padding:0 18px 16px;margin:0;color:var(--cs-muted);font-size:.92rem}

/* RELATED */
.cs-related{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:14px 0}
.cs-related-card{display:block;background:#fff;border:1px solid var(--cs-border);border-radius:12px;padding:16px;text-decoration:none;color:var(--cs-text);transition:box-shadow .15s,transform .15s}
.cs-related-card:hover{box-shadow:0 6px 18px rgba(0,40,104,.12);transform:translateY(-2px)}
.cs-related-card .ic{font-size:1.5rem}
.cs-related-card .nm{display:block;font-weight:700;font-family:'Montserrat',sans-serif;color:var(--cs-navy);margin:6px 0 4px;font-size:.95rem}
.cs-related-card .ds{font-size:.82rem;color:var(--cs-muted)}

/* LEGAL */
.cs-legal{background:var(--cs-bg);border:1px solid var(--cs-border);border-radius:12px;padding:20px 22px;margin:28px 0 20px;font-size:.86rem;color:var(--cs-muted)}
.cs-legal h2{font-size:1.1rem;border:0;padding:0;margin:0 0 10px}
.cs-legal a{color:var(--cs-navy);font-weight:600}

/* SCORE HERO + FACTOR TABLE + RECOVERY CARDS + OPTIMISER */
.cs-score-hero{text-align:center;padding:6px 0 10px}
.cs-score-hero .big{font-family:'Montserrat',sans-serif;font-weight:700;font-size:clamp(2.4rem,6vw,3.4rem);color:#fff;margin:0;line-height:1}
.cs-score-hero .band{font-size:.9rem;color:#CDD8EC;margin:6px 0 0}
.cs-score-hero .cur{font-size:.78rem;color:#AEC2E4;margin:4px 0 0}
.cs-neg{color:#BF0A30;font-weight:700;font-family:'Montserrat',sans-serif}
.cs-pos{color:#00875A;font-weight:700;font-family:'Montserrat',sans-serif}
.cs-rec-cards{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:10px;margin-top:14px}
.cs-rec{background:#fff;border:1px solid var(--cs-border);border-radius:10px;padding:12px 8px;text-align:center}
.cs-rec .k{font-size:.66rem;color:var(--cs-faint);text-transform:uppercase;letter-spacing:.03em;margin:0}
.cs-rec .v{font-family:'Montserrat',sans-serif;font-weight:700;font-size:1.15rem;color:var(--cs-navy);margin:3px 0 0}
.cs-rec-note{background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.25);color:#08306B;border-radius:12px;padding:14px 16px;margin-top:12px;font-size:.9rem}
.cs-opt-box{background:#FFF6E9;border:1px solid #FFD8A8;color:#7A4208;border-radius:12px;padding:14px 16px;margin-top:12px;font-size:.9rem}
.cs-recchart-wrap{position:relative;height:300px;background:#fff;border:1px solid var(--cs-border);border-radius:12px;padding:14px;margin-top:16px}
.cs-recchart-wrap canvas{max-width:100%}
[data-theme="dark"] .cs-rec{background:#0E1B31}
[data-theme="dark"] .cs-rec .v{color:#BCD3F5}
[data-theme="dark"] .cs-rec-note{background:#0E2340;border-color:#26466E;color:#BCD3F5}
[data-theme="dark"] .cs-opt-box{background:#3A2A12;border-color:#5A4420;color:#FFD8A8}
[data-theme="dark"] .cs-recchart-wrap{background:#0E1B31}

/* DARK MODE */
[data-theme="dark"] .cs-calc-wrapper{--cs-bg:#12213B;--cs-border:#26385A;--cs-text:#E8EEF8;--cs-muted:#9DB0CE;--cs-faint:#8DA0BE;--cs-navy:#7FA8E8}
[data-theme="dark"] .cs-calc-wrapper h1,[data-theme="dark"] .cs-calc-wrapper h2,[data-theme="dark"] .cs-calc-wrapper h3{color:#BCD3F5}
[data-theme="dark"] .cs-calc,[data-theme="dark"] .cs-tip,[data-theme="dark"] .cs-faqs details,[data-theme="dark"] .cs-related-card,[data-theme="dark"] .cs-field input,[data-theme="dark"] .cs-field select,[data-theme="dark"] .cs-approp,[data-theme="dark"] .cs-chart-wrap,[data-theme="dark"] .cs-radio label,[data-theme="dark"] .cs-fam-row input,[data-theme="dark"] .cs-fam-row select{background:#0E1B31;color:#E8EEF8}
[data-theme="dark"] .cs-approp td{color:#E8EEF8}
[data-theme="dark"] .cs-table th{background:#1B2B4A}
[data-theme="dark"] .cs-table tr:nth-child(even) td{background:#16263F}

/* RESPONSIVE */
@media (max-width:768px){
  .cs-hero{padding:30px 22px 26px}
  .cs-grid{grid-template-columns:1fr}
  .cs-tips{grid-template-columns:1fr}
  .cs-related{grid-template-columns:1fr 1fr}
  .cs-headline,.cs-subrow,.cs-fam-grid{grid-template-columns:1fr}
}
@media (max-width:560px){
  .cs-actions{flex-direction:column}
  .cs-btn-primary,.cs-btn-secondary,.cs-btn-wa{width:100%;flex:none;border-radius:10px;white-space:nowrap}
  .cs-related{grid-template-columns:1fr}
  .cs-fam-row{grid-template-columns:1fr 1fr auto}
}