/* REGULAR VS DIRECT MF CALCULATOR - CalcWise.Finance | Prefix rd- | FY 2025-26 */
*,*::before,*::after{box-sizing:border-box}
:root{--saffron:#FF9933;--saffron-dark:#CC6600;--saffron-100:#FFF3E0;--green:#014D4E;--green-100:#E8F5E9;--navy:#002868;--navy-100:#E8EDF6;--white:#FFFFFF;--bg:#F4F6FA;--border:#D0D9E8;--text:#1A1A2E;--muted:#5A6A7A;--faint:#4D6666;--danger:#C62828;--danger-light:#FFEBEE;--r-sm:6px;--r-md:10px;--r-lg:14px;--r-pill:30px}
.rd-hero{border-radius:16px;padding:44px 48px 40px;margin-bottom:32px;position:relative;overflow:hidden}
.rd-badge{display:inline-block;background:rgba(255,255,255,.15);color:#fff;font-size:.75rem;font-weight:700;padding:4px 12px;border-radius:var(--r-pill);letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.rd-hero h1{font-family:Montserrat,sans-serif;font-size:clamp(24px,3.2vw,36px);font-weight:800;color:#fff;line-height:1.22;margin:0 0 12px;max-width:26ch}
.rd-subtitle{color:rgba(255,255,255,.88);font-size:1.05rem;margin:0 0 22px;line-height:1.55}
.rd-pills{display:flex;flex-wrap:wrap;gap:8px}
.rd-pill{background:rgba(255,255,255,.13);color:rgba(255,255,255,.9);font-size:.77rem;padding:5px 13px;border-radius:var(--r-pill);font-weight:500}
.rd-calc-wrapper{background:var(--white);border-radius:16px;border:1px solid var(--border);overflow:hidden;margin-bottom:32px}
.rd-calc-header{background:var(--navy);padding:16px 24px}
.rd-calc-header h2{font-family:Montserrat,sans-serif;font-size:1rem;font-weight:700;color:var(--white);margin:0;line-height:1.35}
.rd-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;min-width:0}
.rd-inputs-panel{padding:22px 24px;border-right:1px solid var(--border);min-width:0}
.rd-results-panel{padding:22px 24px;background:var(--bg);min-width:0}
.rd-field{margin-bottom:15px}
.rd-field label{display:block;font-size:.81rem;font-weight:600;color:var(--text);margin-bottom:5px}
.rd-field input,.rd-field select{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:.93rem;color:var(--text);background:var(--white);outline:none;transition:border-color .15s;min-width:0;font-family:Inter,sans-serif}
.rd-field input:focus,.rd-field select:focus{border-color:var(--navy)}
.rd-field input[type=checkbox]{width:auto;min-width:0}
.rd-input-group{position:relative;display:flex;align-items:center;min-width:0}
.rd-has-prefix .rd-input-group input{padding-left:38px}
.rd-has-suffix .rd-input-group input{padding-right:86px}
.rd-prefix{position:absolute;left:10px;font-size:.83rem;font-weight:700;color:var(--faint);pointer-events:none}
.rd-suffix{position:absolute;right:8px;font-size:.75rem;color:var(--faint);pointer-events:none;white-space:nowrap}
.rd-hint{font-size:.73rem;color:var(--faint);margin-top:3px}
.rd-field input[readonly]{background:var(--bg);color:var(--muted)}
.rd-field-divider{border:none;border-top:1px dashed var(--border);margin:12px 0}
.rd-chart-section{padding:0 24px 22px;background:var(--white);border-top:1px solid var(--border)}
.rd-chart-title{font-family:Montserrat,sans-serif;font-weight:700;font-size:.88rem;color:var(--text);padding:14px 0 10px}
.rd-chart-box{position:relative;height:280px}
.rd-chart-box canvas{max-width:100%;max-height:100%}
.rd-calc-actions{padding:14px 24px;background:var(--bg);border-top:1px solid var(--border);display:flex;gap:10px;flex-wrap:wrap}
.rd-btn-primary{background:var(--saffron);color:var(--navy);font-weight:800;font-family:Montserrat,sans-serif;font-size:.88rem;padding:11px 24px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap;transition:background .15s}
.rd-btn-primary:hover{background:var(--saffron-dark);color:var(--white)}
.rd-btn-secondary{background:var(--navy);color:var(--white);font-weight:700;font-size:.83rem;padding:11px 18px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap}
.rd-btn-wa{background:#25D366;color:var(--white);font-weight:700;font-size:.83rem;padding:11px 18px;border:none;border-radius:var(--r-pill);cursor:pointer;min-height:46px;white-space:nowrap}
.rd-section{margin:0 0 40px}
.rd-section h2{font-family:Montserrat,sans-serif;font-size:clamp(1.18rem,2.4vw,1.5rem);font-weight:800;color:var(--navy);margin:0 0 16px;line-height:1.32}
.rd-section p{color:var(--text);line-height:1.78;margin:0 0 13px;font-size:.98rem}
.rd-intro-box{background:var(--navy-100);border-left:4px solid var(--navy);border-radius:0 var(--r-md) var(--r-md) 0;padding:14px 18px;margin-bottom:20px;font-size:.93rem;line-height:1.7}
.rd-intro-box strong{color:var(--navy)}
.rd-table-wrap{overflow-x:auto;margin-bottom:20px}
.rd-table{width:100%;border-collapse:collapse;font-size:.86rem}
.rd-table th{background:var(--navy);color:var(--white);padding:10px 12px;text-align:left;font-family:Montserrat,sans-serif;font-weight:700}
.rd-table td{padding:8px 12px;border-bottom:1px solid var(--border);color:var(--text)}
.rd-table tr:nth-child(even) td{background:var(--bg)}
.rd-table .rd-hi{color:var(--danger);font-weight:700}
.rd-steps{display:flex;flex-direction:column;gap:14px;margin-top:8px}
.rd-step{display:flex;gap:16px;align-items:flex-start;background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:16px}
.rd-step-num{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--white);display:flex;align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-weight:800;font-size:.9rem;flex-shrink:0}
.rd-step-body h3{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:700;color:var(--navy);margin:0 0 5px}
.rd-step-body p{font-size:.85rem;color:var(--text);line-height:1.65;margin:0}
.rd-example{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px 22px;margin-bottom:20px}
.rd-ex-header{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.rd-ex-avatar{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.9rem;flex-shrink:0;font-family:Montserrat,sans-serif}
.rd-ex-info{flex:1}
.rd-ex-name{font-weight:700;font-size:.93rem;color:var(--text)}
.rd-ex-sit{font-size:.75rem;color:var(--faint)}
.rd-ex-badge{font-size:.71rem;font-weight:700;padding:3px 10px;border-radius:var(--r-pill)}
.rd-badge-saffron{background:var(--saffron-100);color:var(--saffron-dark)}
.rd-ex-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:12px 0}
.rd-ex-cell{background:var(--bg);border-radius:var(--r-sm);padding:8px 10px;text-align:center}
.rd-ex-cell .k{font-size:.69rem;color:var(--faint);margin-bottom:2px}
.rd-ex-cell .v{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;color:var(--navy)}
.rd-ex-take{background:var(--green-100);border-radius:var(--r-sm);padding:9px 13px;font-size:.81rem;color:var(--green);font-weight:600;margin-top:10px}
.rd-tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:8px}
.rd-tip{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:17px}
.rd-tip-num{font-family:Montserrat,sans-serif;font-size:1.4rem;font-weight:900;color:var(--saffron);line-height:1;margin-bottom:5px}
.rd-tip h3{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:700;color:var(--navy);margin:0 0 5px}
.rd-tip p{font-size:.81rem;color:var(--text);line-height:1.62;margin:0}
.rd-qr-table{width:100%;border-collapse:collapse;font-size:.86rem;margin:10px 0}
.rd-qr-table th{background:var(--saffron);color:var(--navy);padding:9px 12px;text-align:left;font-weight:700;font-family:Montserrat,sans-serif}
.rd-qr-table td{padding:8px 12px;border-bottom:1px solid var(--border);color:var(--text)}
.rd-qr-table tr:nth-child(even) td{background:var(--saffron-100)}
.rd-faq{border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;margin-bottom:7px}
.rd-faq details summary{padding:13px 18px;font-weight:600;font-size:.9rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--navy);background:var(--white)}
.rd-faq details summary::-webkit-details-marker{display:none}
.rd-faq details summary::after{content:'+';font-size:1.15rem;color:var(--faint)}
.rd-faq details[open] summary::after{content:'-'}
.rd-faq-body{padding:0 18px 14px;font-size:.86rem;line-height:1.72;color:var(--text)}
.rd-faq-body p{margin:8px 0 0}
.rd-related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px;margin-top:8px}
.rd-related-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);padding:15px;text-align:center;text-decoration:none;transition:border-color .15s,box-shadow .15s;display:block}
.rd-related-card:hover{border-color:var(--navy);box-shadow:0 4px 14px rgba(0,40,104,.09)}
.rd-related-icon{font-size:1.55rem;margin-bottom:7px}
.rd-related-name{font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;color:var(--navy);margin-bottom:4px;line-height:1.35}
.rd-related-desc{font-size:.72rem;color:var(--faint);line-height:1.4}
.rd-legal{background:var(--bg);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px 24px;font-size:.79rem;color:var(--faint);line-height:1.72}
.rd-legal h2{font-family:Montserrat,sans-serif;font-size:.83rem;font-weight:700;color:var(--text);margin:0 0 8px;text-transform:uppercase;letter-spacing:.04em}
.rd-legal a{color:var(--navy)}
.rd-verdict-box{background:linear-gradient(135deg,#B71C1C 0%,#7F0000 100%);border-radius:var(--r-lg);padding:16px 18px;text-align:center;color:var(--white);margin-bottom:12px}
.rd-verdict-label{font-size:.74rem;opacity:.85;text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
.rd-verdict-big{font-family:Montserrat,sans-serif;font-size:1.7rem;font-weight:800;line-height:1.1;color:var(--saffron)}
.rd-verdict-sub{font-size:.78rem;opacity:.92;margin-top:5px}
.rd-result-rows{display:flex;flex-direction:column;gap:7px;margin-bottom:10px}
.rd-rr{display:flex;justify-content:space-between;align-items:center;padding:9px 13px;background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);font-size:.83rem}
.rd-rr span{color:var(--faint)}
.rd-rr strong{font-family:Montserrat,sans-serif;font-weight:700;color:var(--navy)}
.rd-rr.rd-rr-danger strong{color:var(--danger)}
.rd-rr.rd-rr-good strong{color:var(--green)}
.rd-compare{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;margin-bottom:10px}
.rd-compare-head{display:grid;grid-template-columns:1fr 1fr;background:var(--bg)}
.rd-compare-head div{padding:9px 12px;font-family:Montserrat,sans-serif;font-weight:700;font-size:.8rem;text-align:center}
.rd-compare-head .rd-ch-dir{color:var(--green);border-bottom:2px solid var(--green)}
.rd-compare-head .rd-ch-reg{color:var(--danger);border-bottom:2px solid var(--danger)}
.rd-compare-body{display:grid;grid-template-columns:1fr 1fr}
.rd-compare-body div{padding:11px 12px;text-align:center}
.rd-cb-dir{background:var(--green-100)}
.rd-cb-reg{background:var(--danger-light)}
.rd-cb-label{font-size:.7rem;color:var(--faint);margin-bottom:3px}
.rd-cb-val{font-family:Montserrat,sans-serif;font-size:1.1rem;font-weight:800}
.rd-cb-dir .rd-cb-val{color:var(--green)}
.rd-cb-reg .rd-cb-val{color:var(--danger)}
.rd-switch{border-radius:var(--r-md);padding:11px 14px;font-size:.83rem;line-height:1.55;margin-bottom:10px;font-weight:600}
.rd-switch-yes{background:var(--green-100);border:1.5px solid var(--green);color:#0a3f36}
.rd-switch-yes strong{color:var(--green)}
.rd-switch-no{background:var(--saffron-100);border:1.5px solid var(--saffron);color:#5c3a08}
.rd-switch-no strong{color:var(--saffron-dark)}
.rd-note{background:#FFF8E1;border:1.5px solid #F9A825;border-radius:var(--r-md);padding:10px 13px;font-size:.78rem;color:#4E342E;margin-top:9px;line-height:1.55}
.rd-note strong{color:#B26A00}
.rd-toggle{display:flex;gap:8px;margin-top:4px}
.rd-toggle-opt{flex:1;position:relative}
.rd-toggle-opt input{position:absolute;opacity:0;pointer-events:none}
.rd-toggle-opt label{display:block;text-align:center;padding:10px 8px;border:1.5px solid var(--border);border-radius:var(--r-md);font-size:.82rem;font-weight:700;color:var(--text);cursor:pointer;background:var(--white);transition:all .15s;margin:0}
.rd-toggle-opt input:checked+label{border-color:var(--navy);background:var(--navy);color:var(--white)}
@media(max-width:900px){.rd-related-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.rd-calc-grid{grid-template-columns:1fr}.rd-inputs-panel{border-right:none;border-bottom:1px solid var(--border)}.rd-tips-grid{grid-template-columns:1fr}.rd-ex-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.rd-hero{padding:28px 20px 24px}.rd-calc-header,.rd-inputs-panel,.rd-results-panel,.rd-chart-section,.rd-calc-actions{padding-left:16px;padding-right:16px}.rd-calc-actions{flex-direction:column}.rd-calc-actions .rd-btn-primary,.rd-calc-actions .rd-btn-secondary,.rd-calc-actions .rd-btn-wa{width:100%;flex:none;border-radius:var(--r-md)}.rd-related-grid{grid-template-columns:1fr 1fr}.rd-chart-box{height:240px}.rd-steps .rd-step{flex-direction:column}}
@media(max-width:460px){.rd-ex-grid{grid-template-columns:repeat(2,1fr)}}