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

/* HERO */
.ef-hero{color:#fff;border-radius:16px;padding:44px 48px 40px;margin:18px 0 30px;background:linear-gradient(135deg,#002868 0%,#001a4d 60%,#BF0A30 100%)}
.ef-hero h1{color:#fff;font-size:clamp(1.6rem,3.4vw,2.4rem);margin:14px 0 10px}
.ef-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}
.ef-subtitle{color:#DCE6F5;font-size:clamp(1rem,1.6vw,1.15rem);max-width:770px;margin:0 0 20px}
.ef-pills{display:flex;flex-wrap:wrap;gap:10px}
.ef-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 */
.ef-section{margin:34px 0}
.ef-section h2{font-size:clamp(1.3rem,2.4vw,1.75rem);margin:0 0 14px;padding-bottom:8px;border-bottom:3px solid var(--ef-saffron)}
.ef-section h3{font-size:1.12rem;margin:22px 0 8px;color:var(--ef-red)}
.ef-section p{margin:0 0 14px}

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

/* FAMILY ROWS */
.ef-fam-row{display:grid;grid-template-columns:1fr 1.4fr auto;gap:8px;margin-bottom:8px;align-items:center}
.ef-fam-row input,.ef-fam-row select{padding:9px 11px;border:1px solid var(--ef-border);border-radius:8px;font-size:.9rem;background:#fff;color:var(--ef-text);font-family:inherit}
.ef-fam-del{background:var(--ef-red);color:#fff;border:0;border-radius:8px;padding:9px 12px;font-size:.82rem;cursor:pointer;font-weight:600}
.ef-add-btn{background:var(--ef-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 */
.ef-results,.ef-fam-results{display:none}
.ef-results-box{background:var(--ef-navy);color:#fff;border-radius:14px;padding:22px;margin-bottom:16px}
.ef-headline{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.ef-head-card{border-radius:10px;padding:14px 16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15)}
.ef-head-card .k{font-size:.74rem;color:#CDD8EC;margin:0 0 3px;text-transform:uppercase;letter-spacing:.03em}
.ef-head-card .v{font-family:'Montserrat',sans-serif;font-size:1.5rem;font-weight:700;color:#fff;margin:0}
.ef-subrow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:6px}
.ef-mini .k{font-size:.72rem;color:#AEC2E4;margin:0;text-transform:uppercase;letter-spacing:.03em}
.ef-mini .v{font-family:'Montserrat',sans-serif;font-size:1.05rem;font-weight:600;color:#fff;margin:2px 0 0}
.ef-approp{width:100%;border-collapse:collapse;margin:12px 0 0;background:#fff;border-radius:10px;overflow:hidden;border:1px solid var(--ef-border)}
.ef-approp td{padding:8px 13px;border-bottom:1px solid var(--ef-border);font-size:.88rem;color:var(--ef-text)}
.ef-approp tr:last-child td{border-bottom:0}
.ef-approp td:last-child{text-align:right;font-weight:600;font-family:'Montserrat',sans-serif;color:var(--ef-navy)}
.ef-approp caption{caption-side:top;text-align:left;font-size:.76rem;color:#CDD8EC;padding:0 0 6px}
.ef-chart-wrap{position:relative;height:300px;background:#fff;border:1px solid var(--ef-border);border-radius:12px;padding:14px 12px 8px;margin-top:16px}
.ef-chart-cap{font-size:.78rem;color:var(--ef-faint);text-align:center;margin:6px 0 0}
.ef-chart-wrap canvas{max-width:100%}
.ef-fam-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}

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

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

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

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

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

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

/* RUNWAY HERO + VERDICT STATES + BURN CARDS + BUILD + CHART */
.ef-runway-hero{text-align:center;padding:6px 0 10px}
.ef-runway-hero .big{font-family:'Montserrat',sans-serif;font-weight:700;font-size:clamp(1.8rem,4.5vw,2.6rem);color:#fff;margin:0;line-height:1.1}
.ef-runway-hero .sub{font-size:.85rem;color:#CDD8EC;margin:6px 0 0}
.ef-cards{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:14px}
.ef-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:12px 10px;text-align:center}
.ef-card .k{font-size:.66rem;color:#AEC2E4;text-transform:uppercase;letter-spacing:.03em;margin:0}
.ef-card .v{font-family:'Montserrat',sans-serif;font-weight:700;font-size:1rem;color:#fff;margin:3px 0 0}
.ef-burn-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:12px}
.ef-burn{background:#fff;border:1px solid var(--ef-border);border-radius:10px;padding:12px 10px;text-align:center}
.ef-burn .k{font-size:.66rem;color:var(--ef-faint);text-transform:uppercase;letter-spacing:.03em;margin:0}
.ef-burn .v{font-family:'Montserrat',sans-serif;font-weight:700;font-size:1.05rem;color:var(--ef-navy);margin:3px 0 0}
.ef-verdict{border-radius:12px;padding:14px 16px;margin-top:14px;font-size:.92rem;font-weight:500}
.ef-verdict-ample{background:rgba(0,135,90,.12);border:1px solid rgba(0,135,90,.4);color:#0A5C42}
.ef-verdict-adequate{background:#FFF6E9;border:1px solid #FFD8A8;color:#7A4208}
.ef-verdict-thin{background:rgba(191,10,48,.08);border:1px solid rgba(191,10,48,.35);color:#8A1020}
.ef-runway-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}
.ef-build-box{background:#FFF6E9;border:1px solid #FFD8A8;color:#7A4208;border-radius:12px;padding:14px 16px;margin-top:12px;font-size:.9rem}
.ef-runwaychart-wrap{position:relative;height:280px;background:#fff;border:1px solid var(--ef-border);border-radius:12px;padding:14px;margin-top:16px}
.ef-runwaychart-wrap canvas{max-width:100%}
[data-theme="dark"] .ef-burn{background:#0E1B31}
[data-theme="dark"] .ef-burn .v{color:#BCD3F5}
[data-theme="dark"] .ef-runway-note{background:#0E2340;border-color:#26466E;color:#BCD3F5}
[data-theme="dark"] .ef-build-box{background:#3A2A12;border-color:#5A4420;color:#FFD8A8}
[data-theme="dark"] .ef-runwaychart-wrap{background:#0E1B31}

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

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