:root {
  --bm-blue:    var(--global-palette1, #002868);
  --bm-charcoal:var(--global-palette3, #1D1D1F);
  --bm-gray:    var(--global-palette4, #5F6368);
  --bm-border:  var(--global-palette5, #E0E4E8);
  --bm-bg:      var(--global-palette6, #F7F9FC);
  --bm-white:   var(--global-palette7, #FFFFFF);
  --bm-red:     var(--global-palette8, #BF0A30);
  --bm-green:   var(--global-palette9, #00875A);
  --bm-amber:   #D97706;
  --bm-teal:    #0891B2;
  --bm-orange:  #EA580C;
  --bm-purple:  #7C3AED;
}

#bmWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1180px; margin: 0 auto;
  color: var(--bm-charcoal); -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.bm-header {
  background: linear-gradient(135deg, #001840 0%, #002868 40%, #0a3060 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.bm-header::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 10% 50%, rgba(8,145,178,0.12) 0%, transparent 50%),
              radial-gradient(ellipse at 90% 50%, rgba(0,135,90,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.bm-header::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.bm-header-icon { font-size: 2.6rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.bm-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important; font-weight: 800 !important;
  color: #fff !important; margin: 0 0 10px !important; line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.bm-subtitle {
  font-size: 0.87rem; color: rgba(255,255,255,0.72);
  max-width: 800px; margin: 0 auto 22px; line-height: 1.65; position: relative; z-index: 1;
}
.bm-badges { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
.bm-badge {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
}

/* ---- MODE BAR ---- */
.bm-mode-bar { display: flex; justify-content: center; gap: 10px; margin-bottom: 24px; flex-wrap: wrap; }
.bm-mode-btn {
  padding: 9px 22px; border: 1.5px solid var(--bm-border);
  background: var(--bm-white); color: var(--bm-gray);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 700;
  border-radius: 10px; cursor: pointer; transition: all 0.2s; letter-spacing: 0.03em;
}
.bm-mode-btn.active { background: var(--bm-blue); color: #fff; border-color: var(--bm-blue); box-shadow: 0 2px 10px rgba(0,40,104,0.25); }
.bm-mode-btn.comm-active { background: var(--bm-orange); color: #fff; border-color: var(--bm-orange); }

/* ---- MAIN GRID ---- */
.bm-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.bm-input-panel { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 16px; padding: 28px; }
.bm-results-panel { background: var(--bm-bg); border: 1px solid var(--bm-border); border-radius: 16px; padding: 24px; }

/* ---- SECTION HEADERS ---- */
.bm-sec {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase; color: var(--bm-blue);
  padding: 10px 0 6px; border-bottom: 2px solid var(--bm-border); margin-bottom: 12px;
}
.bm-sec.bm-gap { margin-top: 20px; }

/* ---- FORM FIELDS ---- */
.bm-r2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.bm-r3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.bm-field { margin-bottom: 10px; }
.bm-field label { display: block; font-size: 0.74rem; font-weight: 600; color: var(--bm-charcoal); margin-bottom: 4px; }
.bm-field label .h { font-weight: 400; color: var(--bm-gray); font-size: 0.68rem; }
.bm-iw { display: flex; align-items: center; border: 1.5px solid var(--bm-border); border-radius: 8px; overflow: hidden; background: var(--bm-white); transition: border-color 0.2s; }
.bm-iw:focus-within { border-color: var(--bm-blue); }
.bm-pre,.bm-suf { background: var(--bm-bg); color: var(--bm-gray); font-size: 0.78rem; font-weight: 600; padding: 0 8px; height: 38px; display: flex; align-items: center; flex-shrink: 0; border-right: 1.5px solid var(--bm-border); }
.bm-suf { border-right: none; border-left: 1.5px solid var(--bm-border); }
.bm-iw input,.bm-iw select { flex: 1; height: 38px; border: none; outline: none; background: transparent; font-size: 0.84rem; color: var(--bm-charcoal); padding: 0 8px; min-width: 0; }
.bm-sel { width: 100%; height: 38px; border: 1.5px solid var(--bm-border); border-radius: 8px; background: var(--bm-white); font-size: 0.84rem; color: var(--bm-charcoal); padding: 0 8px; outline: none; cursor: pointer; transition: border-color 0.2s; }
.bm-sel:focus { border-color: var(--bm-blue); }

/* ---- INTEREST-ONLY TOGGLE ---- */
.bm-toggle-row { display: flex; align-items: center; gap: 10px; padding: 10px 12px; background: var(--bm-bg); border: 1px solid var(--bm-border); border-radius: 8px; margin-bottom: 10px; cursor: pointer; }
.bm-toggle-switch { position: relative; width: 38px; height: 20px; flex-shrink: 0; }
.bm-toggle-switch input { opacity: 0; width: 0; height: 0; }
.bm-toggle-slider { position: absolute; cursor: pointer; inset: 0; background: var(--bm-border); border-radius: 20px; transition: 0.2s; }
.bm-toggle-slider::before { content:''; position:absolute; height:14px; width:14px; left:3px; bottom:3px; background:#fff; border-radius:50%; transition:0.2s; }
.bm-toggle-switch input:checked + .bm-toggle-slider { background: var(--bm-blue); }
.bm-toggle-switch input:checked + .bm-toggle-slider::before { transform: translateX(18px); }
.bm-toggle-label { font-size: 0.78rem; font-weight: 600; color: var(--bm-charcoal); }
.bm-toggle-sublabel { font-size: 0.67rem; color: var(--bm-gray); margin-left: auto; }

/* ---- LIVE RATE SLIDER ---- */
.bm-rate-hero {
  background: linear-gradient(135deg, var(--bm-blue) 0%, #001840 100%);
  border-radius: 14px; padding: 18px 20px; margin-bottom: 16px;
}
.bm-rate-eyebrow { font-size: 0.68rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.55); margin-bottom: 8px; }
.bm-rate-row { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; }
.bm-rate-lbl { font-size: 0.72rem; color: rgba(255,255,255,0.55); }
input[type="range"].bm-range { flex: 1; -webkit-appearance: none; height: 6px; border-radius: 3px; background: rgba(255,255,255,0.2); outline: none; cursor: pointer; }
input[type="range"].bm-range::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff; cursor: pointer; box-shadow: 0 2px 8px rgba(0,0,0,0.25); }
.bm-rate-live-val { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.1rem; font-weight: 900; color: #fff; min-width: 60px; text-align: right; }
.bm-rate-impact { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; margin-top: 4px; }
.bm-rli-block { text-align: center; }
.bm-rli-num { font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 900; color: #4ade80; }
.bm-rli-lbl { font-size: 0.62rem; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 2px; }

/* ---- BUTTONS ---- */
.bm-calc-btn { width: 100%; padding: 14px; background: var(--bm-blue); color: #fff; font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 800; border: none; border-radius: 10px; cursor: pointer; letter-spacing: 0.04em; transition: all 0.2s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.bm-calc-btn:hover { background: #001a4d; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,40,104,0.3); }
.bm-reset-btn { width: 100%; padding: 10px; background: transparent; color: var(--bm-gray); font-size: 0.78rem; font-weight: 600; border: 1.5px solid var(--bm-border); border-radius: 10px; cursor: pointer; margin-top: 8px; transition: all 0.2s; }
.bm-reset-btn:hover { border-color: var(--bm-red); color: var(--bm-red); }
.bm-err { background: #FFF5F7; border: 1.5px solid var(--bm-red); border-radius: 10px; padding: 10px 14px; margin-bottom: 12px; font-size: 0.82rem; color: var(--bm-red); display: none; gap: 8px; align-items: center; }
.bm-err.show { display: flex; }
.bm-disc { font-size: 0.68rem; color: var(--bm-gray); line-height: 1.55; text-align: center; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--bm-border); }

/* ---- AD PLACEHOLDER ---- */
.ad-container.ad-in-calc { background: var(--bm-bg); border: 1.5px dashed var(--bm-border); border-radius: 10px; min-height: 90px; display: flex; align-items: center; justify-content: center; color: var(--bm-gray); font-size: 0.72rem; text-align: center; margin: 18px 0; }

/* ---- RESULTS ---- */
.bm-empty { text-align: center; padding: 48px 20px; color: var(--bm-gray); }
.bm-empty-icon { font-size: 3rem; display: block; margin-bottom: 14px; opacity: 0.35; }
.bm-empty p { font-size: 0.85rem; line-height: 1.65; }
.bm-results { display: none; }
.bm-results.show { display: block; }

/* ---- BALLOON HERO ---- */
.bm-hero {
  background: linear-gradient(135deg, #001840 0%, #002868 60%, #003d8c 100%);
  border-radius: 16px; padding: 22px 20px 16px;
  text-align: center; margin-bottom: 18px; position: relative; overflow: hidden;
}
.bm-hero::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px); background-size: 40px 40px; pointer-events: none; }
.bm-hero-eyebrow { font-size: 0.67rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 6px; position: relative; z-index: 1; }
.bm-hero-amount { font-family: 'Montserrat','Inter',sans-serif; font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 900; color: #fff; line-height: 1; margin-bottom: 4px; position: relative; z-index: 1; }
.bm-hero-label { font-size: 0.82rem; color: rgba(255,255,255,0.7); position: relative; z-index: 1; margin-bottom: 4px; }
.bm-hero-due { font-size: 0.78rem; color: #fbbf24; font-weight: 700; position: relative; z-index: 1; }
.bm-hero-pills { display: flex; gap: 8px; justify-content: center; margin-top: 12px; flex-wrap: wrap; position: relative; z-index: 1; }
.bm-hero-pill { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.85); font-size: 0.71rem; font-weight: 600; padding: 4px 12px; border-radius: 20px; }

/* ---- STATS GRID ---- */
.bm-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
.bm-stat { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 10px; padding: 12px 14px; text-align: center; }
.bm-stat.red { border-color: rgba(191,10,48,0.25); background: #FFF5F7; }
.bm-stat.green { border-color: rgba(0,135,90,0.25); background: #F0FBF6; }
.bm-stat.amber { border-color: rgba(217,119,6,0.25); background: #FFFBEB; }
.bm-stat.blue { border-color: rgba(8,145,178,0.25); background: #F0F9FF; }
.bm-stat.purple { border-color: rgba(124,58,237,0.25); background: #F5F3FF; }
.bm-stat.orange { border-color: rgba(234,88,12,0.25); background: #FFF7ED; }
.bm-stat-label { font-size: 0.63rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--bm-gray); margin-bottom: 4px; }
.bm-stat-value { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.05rem; font-weight: 800; color: var(--bm-charcoal); }
.bm-stat.red .bm-stat-value { color: var(--bm-red); }
.bm-stat.green .bm-stat-value { color: var(--bm-green); }
.bm-stat.amber .bm-stat-value { color: var(--bm-amber); }
.bm-stat.blue .bm-stat-value { color: var(--bm-teal); }
.bm-stat.purple .bm-stat-value { color: var(--bm-purple); }
.bm-stat.orange .bm-stat-value { color: var(--bm-orange); }

/* ---- COMPARISON TABLE ---- */
.bm-compare-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.bm-compare-head { background: var(--bm-blue); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; }
.bm-compare-tbl { width: 100%; border-collapse: collapse; font-size: 0.79rem; }
.bm-compare-tbl thead tr { background: var(--bm-bg); }
.bm-compare-tbl thead th { padding: 8px 10px; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--bm-gray); text-align: right; }
.bm-compare-tbl thead th:first-child { text-align: left; }
.bm-compare-tbl tbody tr:nth-child(even) { background: var(--bm-bg); }
.bm-compare-tbl tbody td { padding: 9px 10px; text-align: right; color: var(--bm-charcoal); font-weight: 500; }
.bm-compare-tbl tbody td:first-child { text-align: left; font-weight: 700; }
.bm-compare-tbl tbody tr.winner-row td { color: var(--bm-green); font-weight: 700; background: #F0FBF6; }
.bm-winner-badge { display: inline-block; background: var(--bm-green); color: #fff; font-size: 0.6rem; font-weight: 700; padding: 1px 7px; border-radius: 10px; margin-left: 6px; }
.bm-balloon-badge { display: inline-block; background: var(--bm-orange); color: #fff; font-size: 0.6rem; font-weight: 700; padding: 1px 7px; border-radius: 10px; margin-left: 6px; }

/* ---- EXIT STRATEGY ---- */
.bm-exit-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.bm-exit-head { background: var(--bm-orange); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; display: flex; align-items: center; gap: 8px; }
.bm-exit-body { padding: 16px; }
.bm-exit-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; }
.bm-exit-card { background: var(--bm-bg); border: 1px solid var(--bm-border); border-radius: 10px; padding: 14px 12px; text-align: center; }
.bm-exit-icon { font-size: 1.6rem; margin-bottom: 6px; }
.bm-exit-title { font-size: 0.72rem; font-weight: 700; color: var(--bm-charcoal); margin-bottom: 4px; }
.bm-exit-amount { font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 800; color: var(--bm-blue); margin-bottom: 4px; }
.bm-exit-detail { font-size: 0.65rem; color: var(--bm-gray); line-height: 1.4; }
.bm-exit-tag { display: inline-block; font-size: 0.62rem; font-weight: 700; padding: 2px 8px; border-radius: 10px; margin-top: 5px; }
.bm-exit-tag.green { background: #D1FAE5; color: #065F46; }
.bm-exit-tag.amber { background: #FEF3C7; color: #92400E; }
.bm-exit-tag.red { background: #FEE2E2; color: #991B1B; }

/* ---- REFINANCE MODULE ---- */
.bm-refi-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.bm-refi-head { background: var(--bm-green); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; display: flex; align-items: center; gap: 8px; }
.bm-refi-body { padding: 16px; }
.bm-refi-scenarios { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.bm-refi-card { background: var(--bm-bg); border: 1px solid var(--bm-border); border-radius: 10px; padding: 12px; }
.bm-refi-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; color: var(--bm-gray); margin-bottom: 6px; }
.bm-refi-val { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.95rem; font-weight: 800; color: var(--bm-blue); margin-bottom: 3px; }
.bm-refi-sub { font-size: 0.64rem; color: var(--bm-gray); }

/* ---- CHARTS ---- */
.bm-chart-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; padding: 16px; margin-bottom: 18px; }
.bm-chart-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--bm-blue); margin-bottom: 12px; }
.bm-chart-tabs { display: flex; gap: 6px; margin-bottom: 14px; }
.bm-chart-tab { padding: 5px 14px; border: 1.5px solid var(--bm-border); background: var(--bm-bg); color: var(--bm-gray); font-size: 0.72rem; font-weight: 600; border-radius: 6px; cursor: pointer; transition: all 0.15s; }
.bm-chart-tab.active { background: var(--bm-blue); color: #fff; border-color: var(--bm-blue); }

/* ---- AMORTIZATION TABLE ---- */
.bm-amort-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.bm-amort-head { background: var(--bm-blue); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; display: flex; align-items: center; justify-content: space-between; }
.bm-amort-toggle { font-size: 0.7rem; background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); color: #fff; padding: 3px 10px; border-radius: 6px; cursor: pointer; }
.bm-amort-scroll { max-height: 340px; overflow-y: auto; }
.bm-amort-tbl { width: 100%; border-collapse: collapse; font-size: 0.77rem; }
.bm-amort-tbl thead tr { background: var(--bm-bg); position: sticky; top: 0; }
.bm-amort-tbl thead th { padding: 7px 9px; font-size: 0.65rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--bm-gray); text-align: right; }
.bm-amort-tbl thead th:first-child { text-align: left; }
.bm-amort-tbl tbody td { padding: 7px 9px; text-align: right; color: var(--bm-charcoal); font-size: 0.76rem; }
.bm-amort-tbl tbody td:first-child { text-align: left; }
.bm-amort-tbl tbody tr:nth-child(even) { background: var(--bm-bg); }
.bm-amort-tbl tbody tr.balloon-row { background: #FFF7ED !important; border-top: 2px solid var(--bm-orange); }
.bm-amort-tbl tbody tr.balloon-row td { color: var(--bm-orange); font-weight: 700; }
.bm-balloon-row-badge { display: inline-block; background: var(--bm-orange); color: #fff; font-size: 0.58rem; font-weight: 700; padding: 1px 6px; border-radius: 8px; margin-left: 4px; }

/* ---- RISK METER ---- */
.bm-risk-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; padding: 16px; margin-bottom: 18px; }
.bm-risk-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--bm-charcoal); margin-bottom: 12px; }
.bm-risk-bar-wrap { background: var(--bm-bg); border-radius: 8px; height: 14px; overflow: hidden; margin-bottom: 6px; }
.bm-risk-bar { height: 100%; border-radius: 8px; transition: width 0.5s ease; }
.bm-risk-labels { display: flex; justify-content: space-between; font-size: 0.63rem; color: var(--bm-gray); }
.bm-risk-items { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 12px; }
.bm-risk-item { display: flex; align-items: center; gap: 6px; font-size: 0.73rem; }
.bm-risk-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }

/* ---- ACTION BUTTONS ROW ---- */
.bm-action-row { display: flex; gap: 8px; margin-bottom: 16px; }
.bm-action-btn { flex: 1; padding: 9px; border: 1.5px solid var(--bm-border); background: var(--bm-white); color: var(--bm-charcoal); font-size: 0.74rem; font-weight: 600; border-radius: 8px; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 6px; transition: all 0.2s; }
.bm-action-btn:hover { border-color: var(--bm-blue); color: var(--bm-blue); }
.bm-action-btn.pdf-btn { border-color: var(--bm-red); color: var(--bm-red); }
.bm-action-btn.pdf-btn:hover { background: #FFF5F7; }
.bm-action-btn.wa-btn { border-color: #25D366; color: #25D366; }
.bm-action-btn.wa-btn:hover { background: #F0FFF4; }

/* ---- BUSINESS / COMMERCIAL SECTION ---- */
.bm-comm-section { display: none; }
.bm-info-box { background: #EFF6FF; border: 1px solid #BFDBFE; border-radius: 10px; padding: 10px 12px; font-size: 0.76rem; color: #1E40AF; margin-bottom: 10px; line-height: 1.5; }
.bm-info-box.amber { background: #FFFBEB; border-color: #FDE68A; color: #92400E; }
.bm-info-box.red { background: #FFF5F7; border-color: #FECDD3; color: #9F1239; }
.bm-info-box.green { background: #F0FBF6; border-color: #A7F3D0; color: #065F46; }

/* ---- EXTRA PAYMENTS ---- */
.bm-extra-result { background: #F0FBF6; border: 1px solid rgba(0,135,90,0.25); border-radius: 10px; padding: 12px 14px; margin-bottom: 14px; display: none; }
.bm-extra-result.show { display: block; }
.bm-extra-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.bm-extra-item { text-align: center; }
.bm-extra-val { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.95rem; font-weight: 800; color: var(--bm-green); }
.bm-extra-lbl { font-size: 0.62rem; color: var(--bm-gray); text-transform: uppercase; letter-spacing: 0.04em; margin-top: 2px; }

/* ---- SENSITIVITY TABLE ---- */
.bm-sens-wrap { background: var(--bm-white); border: 1px solid var(--bm-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.bm-sens-head { background: var(--bm-purple); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; }
.bm-sens-tbl { width: 100%; border-collapse: collapse; font-size: 0.77rem; }
.bm-sens-tbl thead th { padding: 7px 9px; background: var(--bm-bg); font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; color: var(--bm-gray); text-align: right; }
.bm-sens-tbl thead th:first-child { text-align: left; }
.bm-sens-tbl tbody td { padding: 8px 9px; text-align: right; }
.bm-sens-tbl tbody tr:nth-child(even) { background: var(--bm-bg); }
.bm-sens-tbl tbody td.highlight { background: #EFF6FF; color: var(--bm-blue); font-weight: 700; }

/* ---- MOBILE ---- */
@media (max-width: 860px) {
  .bm-grid { grid-template-columns: 1fr; }
  .bm-stats { grid-template-columns: 1fr 1fr; }
  .bm-exit-grid { grid-template-columns: 1fr; }
  .bm-refi-scenarios { grid-template-columns: 1fr; }
  .bm-r2 { grid-template-columns: 1fr; }
  .bm-r3 { grid-template-columns: 1fr 1fr; }
  .bm-action-row { flex-wrap: wrap; }
  .bm-extra-grid { grid-template-columns: 1fr 1fr; }
  .bm-sens-tbl { font-size: 0.7rem; }
  .bm-header { padding: 24px 18px 20px; border-radius: 14px; }
}
@media (max-width: 480px) {
  .bm-stats { grid-template-columns: 1fr; }
  .bm-r3 { grid-template-columns: 1fr; }
  .bm-extra-grid { grid-template-columns: 1fr; }
}

/* ---- FAQ WRAPPER ---- */
.bmc-faq-intro {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 22px;
}

/* ---- FAQ CATEGORY TABS ---- */
.bmc-faq-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 22px;
}
.bmc-faq-tab {
  padding: 7px 16px;
  border: 1.5px solid var(--bm-border, #E0E4E8);
  background: var(--bm-white, #FFFFFF);
  color: var(--bm-gray, #5F6368);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  border-radius: 20px;
  cursor: pointer;
  letter-spacing: 0.03em;
  transition: all 0.2s;
}
.bmc-faq-tab:hover {
  border-color: var(--bm-blue, #002868);
  color: var(--bm-blue, #002868);
}
.bmc-faq-tab.active {
  background: var(--bm-blue, #002868);
  border-color: var(--bm-blue, #002868);
  color: #fff;
}

/* ---- FAQ GROUP LABEL ---- */
.bmc-faq-group-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--bm-blue, #002868);
  padding: 10px 0 8px;
  border-bottom: 2px solid var(--bm-border, #E0E4E8);
  margin: 22px 0 4px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.bmc-faq-group-label:first-of-type { margin-top: 0; }

/* ---- ACCORDION ITEM ---- */
.bmc-faq-item {
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
  overflow: hidden;
}
.bmc-faq-item:last-child { border-bottom: none; }

/* ---- ACCORDION TRIGGER ---- */
.bmc-faq-q {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  background: none;
  border: none;
  padding: 15px 4px;
  cursor: pointer;
  text-align: left;
  transition: background 0.15s;
  border-radius: 6px;
}
.bmc-faq-q:hover { background: var(--bm-bg, #F7F9FC); }
.bmc-faq-q:hover .bmc-faq-qnum { background: var(--bm-blue, #002868); color: #fff; }

.bmc-faq-qnum {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  min-width: 24px;
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  color: var(--bm-gray, #5F6368);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.62rem;
  font-weight: 700;
  border-radius: 6px;
  transition: all 0.2s;
  flex-shrink: 0;
}

.bmc-faq-qtext {
  flex: 1;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--bm-charcoal, #1D1D1F);
  line-height: 1.4;
}

.bmc-faq-arrow {
  width: 20px;
  height: 20px;
  min-width: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 50%;
  color: var(--bm-gray, #5F6368);
  font-size: 0.65rem;
  transition: transform 0.25s, background 0.2s;
  flex-shrink: 0;
}
.bmc-faq-item.open .bmc-faq-arrow {
  transform: rotate(180deg);
  background: var(--bm-blue, #002868);
  color: #fff;
  border-color: var(--bm-blue, #002868);
}
.bmc-faq-item.open .bmc-faq-qnum {
  background: var(--bm-blue, #002868);
  color: #fff;
  border-color: var(--bm-blue, #002868);
}
.bmc-faq-item.open .bmc-faq-qtext {
  color: var(--bm-blue, #002868);
}

/* ---- ACCORDION ANSWER PANEL ---- */
.bmc-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.bmc-faq-item.open .bmc-faq-a {
  max-height: 1200px;
}
.bmc-faq-a-inner {
  padding: 0 4px 18px 40px;
  font-size: 0.845rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
}
.bmc-faq-a-inner strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}
.bmc-faq-a-inner p { margin-bottom: 10px; }
.bmc-faq-a-inner p:last-child { margin-bottom: 0; }
.bmc-faq-a-inner ul {
  margin: 8px 0 10px 16px;
}
.bmc-faq-a-inner ul li {
  margin-bottom: 5px;
  line-height: 1.65;
}

/* ---- FAQ SEARCH ---- */
.bmc-faq-search-wrap {
  position: relative;
  margin-bottom: 18px;
}
.bmc-faq-search-icon {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 0.85rem;
  color: var(--bm-gray, #5F6368);
  pointer-events: none;
}
.bmc-faq-search {
  width: 100%;
  height: 40px;
  border: 1.5px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 0 14px 0 36px;
  font-size: 0.84rem;
  color: var(--bm-charcoal, #1D1D1F);
  font-family: Inter, sans-serif;
  background: var(--bm-white, #FFFFFF);
  outline: none;
  transition: border-color 0.2s;
}
.bmc-faq-search:focus { border-color: var(--bm-blue, #002868); }
.bmc-faq-search::placeholder { color: var(--bm-gray, #5F6368); opacity: 0.6; }

/* ---- FAQ COUNT BADGE ---- */
.bmc-faq-count {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 20px;
  padding: 4px 12px;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--bm-gray, #5F6368);
  margin-bottom: 18px;
  font-family: Montserrat, Inter, sans-serif;
}
.bmc-faq-count span {
  font-size: 0.88rem;
  color: var(--bm-blue, #002868);
  font-weight: 800;
}

/* ---- NO RESULTS ---- */
.bmc-faq-no-results {
  text-align: center;
  padding: 32px 16px;
  color: var(--bm-gray, #5F6368);
  font-size: 0.84rem;
  display: none;
}
.bmc-faq-no-results.show { display: block; }

/* ---- MOBILE ---- */
@media (max-width: 480px) {
  .bmc-faq-qtext    { font-size: 0.82rem; }
  .bmc-faq-a-inner  { padding-left: 28px; font-size: 0.81rem; }
  .bmc-faq-tab      { font-size: 0.68rem; padding: 6px 12px; }
}

/* ---- PRO TIP CARDS ---- */
.bmc-tips-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

.bmc-tip-card {
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.bmc-tip-card:hover {
  box-shadow: 0 8px 32px rgba(0,40,104,0.10);
  transform: translateY(-2px);
}

/* ---- TIP HEADER ---- */
.bmc-tip-head {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px 20px 16px;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
  background: var(--bm-bg, #F7F9FC);
}

.bmc-tip-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1.1rem;
  font-weight: 900;
  flex-shrink: 0;
  color: #fff;
}
.bmc-tip-number.blue   { background: var(--bm-blue,  #002868); }
.bmc-tip-number.green  { background: var(--bm-green, #00875A); }
.bmc-tip-number.amber  { background: #D97706; }
.bmc-tip-number.red    { background: var(--bm-red,   #BF0A30); }
.bmc-tip-number.teal   { background: #0891B2; }

.bmc-tip-head-text {}
.bmc-tip-label {
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 3px;
}
.bmc-tip-label.blue   { color: var(--bm-blue,  #002868); }
.bmc-tip-label.green  { color: var(--bm-green, #00875A); }
.bmc-tip-label.amber  { color: #D97706; }
.bmc-tip-label.red    { color: var(--bm-red,   #BF0A30); }
.bmc-tip-label.teal   { color: #0891B2; }

.bmc-tip-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--bm-charcoal, #1D1D1F);
  line-height: 1.3;
}

/* ---- TIP BODY ---- */
.bmc-tip-body {
  padding: 20px 20px 22px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 20px;
  align-items: start;
}

.bmc-tip-content {}

.bmc-tip-p {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 14px;
}
.bmc-tip-p:last-of-type { margin-bottom: 0; }
.bmc-tip-p strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}

/* ---- TIP ACTION BOX (right column) ---- */
.bmc-tip-action {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 16px;
}
.bmc-tip-action-head {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--bm-gray, #5F6368);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
}
.bmc-tip-action-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.bmc-tip-action-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.78rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.6;
  padding: 6px 0;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
}
.bmc-tip-action-list li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}
.bmc-tip-action-list li strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
  display: block;
  margin-bottom: 1px;
}
.bmc-tip-action-icon {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.bmc-tip-action-icon.blue   { background: #DBEAFE; color: #1E40AF; }
.bmc-tip-action-icon.green  { background: #D1FAE5; color: #065F46; }
.bmc-tip-action-icon.amber  { background: #FEF3C7; color: #92400E; }
.bmc-tip-action-icon.red    { background: #FEE2E2; color: #991B1B; }
.bmc-tip-action-icon.teal   { background: #CFFAFE; color: #164E63; }

/* ---- INLINE STAT PILLS ---- */
.bmc-tip-stat-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 12px 0;
}
.bmc-tip-stat {
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 8px;
  padding: 8px 14px;
  text-align: center;
}
.bmc-tip-stat-val {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--bm-charcoal, #1D1D1F);
  display: block;
}
.bmc-tip-stat-lbl {
  font-size: 0.62rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--bm-gray, #5F6368);
  display: block;
  margin-top: 2px;
}

/* ---- INTRO TEXT ---- */
.bmc-tips-intro {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 22px;
}

/* ---- MOBILE ---- */
@media (max-width: 860px) {
  .bmc-tip-body {
    grid-template-columns: 1fr;
    gap: 14px;
    padding: 16px;
  }
  .bmc-tip-head { padding: 14px 16px 12px; }
}
@media (max-width: 480px) {
  .bmc-tip-title  { font-size: 0.88rem; }
  .bmc-tip-number { width: 38px; height: 38px; font-size: 1rem; border-radius: 10px; }
  .bmc-tip-p      { font-size: 0.84rem; }
}

/* ---- EXAMPLE CARDS ---- */
.bmc-ex-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 8px;
}
.bmc-ex-card {
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.bmc-ex-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,0.10);
}

/* Full-width 5th card */
.bmc-ex-card.full {
  grid-column: 1 / -1;
}

/* ---- EXAMPLE CARD HEADER ---- */
.bmc-ex-head {
  padding: 14px 18px 12px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.bmc-ex-head.blue   { background: linear-gradient(135deg, #002868 0%, #003d8c 100%); }
.bmc-ex-head.green  { background: linear-gradient(135deg, #00875A 0%, #006644 100%); }
.bmc-ex-head.amber  { background: linear-gradient(135deg, #D97706 0%, #B45309 100%); }
.bmc-ex-head.red    { background: linear-gradient(135deg, #BF0A30 0%, #9F0020 100%); }
.bmc-ex-head.teal   { background: linear-gradient(135deg, #0891B2 0%, #0E7490 100%); }

.bmc-ex-icon {
  font-size: 2rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.bmc-ex-head-text {}
.bmc-ex-num {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 3px;
}
.bmc-ex-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.25;
  margin-bottom: 3px;
}
.bmc-ex-location {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

/* ---- EXAMPLE CARD BODY ---- */
.bmc-ex-body {
  padding: 16px 18px 18px;
}

/* ---- LOAN STATS ROW ---- */
.bmc-ex-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
}
.bmc-ex-stat {
  text-align: center;
  background: var(--bm-bg, #F7F9FC);
  border-radius: 8px;
  padding: 8px 6px;
}
.bmc-ex-stat-val {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--bm-charcoal, #1D1D1F);
  display: block;
}
.bmc-ex-stat-lbl {
  font-size: 0.6rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--bm-gray, #5F6368);
  display: block;
  margin-top: 2px;
}

/* ---- SCENARIO TEXT ---- */
.bmc-ex-scenario {
  font-size: 0.82rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.7;
  margin-bottom: 12px;
}
.bmc-ex-scenario strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}

/* ---- OUTCOME BADGE ROW ---- */
.bmc-ex-outcome {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.bmc-ex-outcome-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--bm-gray, #5F6368);
  flex-shrink: 0;
}
.bmc-ex-badge {
  display: inline-block;
  font-size: 0.71rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
}
.bmc-ex-badge.green  { background: #D1FAE5; color: #065F46; }
.bmc-ex-badge.amber  { background: #FEF3C7; color: #92400E; }
.bmc-ex-badge.red    { background: #FEE2E2; color: #991B1B; }
.bmc-ex-badge.blue   { background: #DBEAFE; color: #1E40AF; }

/* ---- LESSON BOX ---- */
.bmc-ex-lesson {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  background: var(--bm-bg, #F7F9FC);
  border-radius: 8px;
  padding: 10px 12px;
  margin-top: 12px;
  font-size: 0.76rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.6;
  border-left: 3px solid var(--bm-border, #E0E4E8);
}
.bmc-ex-lesson.blue  { border-left-color: var(--bm-blue,  #002868); background: #EFF6FF; color: #1E40AF; }
.bmc-ex-lesson.green { border-left-color: var(--bm-green, #00875A); background: #F0FBF6; color: #065F46; }
.bmc-ex-lesson.amber { border-left-color: #D97706;                  background: #FFFBEB; color: #92400E; }
.bmc-ex-lesson.red   { border-left-color: var(--bm-red,   #BF0A30); background: #FFF5F7; color: #9F1239; }
.bmc-ex-lesson.teal  { border-left-color: #0891B2;                  background: #F0F9FF; color: #0E7490; }
.bmc-ex-lesson-icon  { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

/* ---- SECTION INTRO ---- */
.bmc-ex-intro {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 22px;
}

/* ---- MOBILE ---- */
@media (max-width: 860px) {
  .bmc-ex-grid             { grid-template-columns: 1fr; }
  .bmc-ex-card.full        { grid-column: auto; }
  .bmc-ex-stats            { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 480px) {
  .bmc-ex-stats            { grid-template-columns: 1fr 1fr; }
  .bmc-ex-head             { padding: 12px 14px 10px; }
  .bmc-ex-body             { padding: 14px 14px 16px; }
  .bmc-ex-title            { font-size: 0.82rem; }
}

/* ---- CONTENT SECTIONS SHARED WRAPPER ---- */
.bm-content-sections {
  max-width: 1180px;
  margin: 32px auto 0;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--bm-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION CARD BASE ---- */
.bmc-card {
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 28px;
}

/* ---- CARD HEADER BAR ---- */
.bmc-head {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 20px;
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
}
.bmc-head.navy  { background: var(--bm-blue, #002868); }
.bmc-head.green { background: var(--bm-green, #00875A); }
.bmc-head.red   { background: var(--bm-red, #BF0A30); }
.bmc-head.amber { background: #D97706; }
.bmc-head.teal  { background: #0891B2; }
.bmc-head.purple{ background: #7C3AED; }

/* ---- CARD BODY ---- */
.bmc-body {
  padding: 24px 24px 28px;
}

/* ---- SECTION INTRO TEXT ---- */
.bmc-lead {
  font-size: 0.95rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin: 0 0 22px;
}

/* ---- HOW IT WORKS STEPS ---- */
.bmc-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 28px;
}
.bmc-step {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 12px;
  padding: 18px 14px 16px;
  text-align: center;
  position: relative;
}
.bmc-step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--bm-blue, #002868);
  color: #fff;
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  border-radius: 50%;
  margin-bottom: 10px;
}
.bmc-step-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--bm-charcoal, #1D1D1F);
  margin-bottom: 6px;
}
.bmc-step-desc {
  font-size: 0.73rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.55;
}

/* ---- CONNECTOR ARROW (desktop only) ---- */
.bmc-step::after {
  content: '→';
  position: absolute;
  right: -12px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1rem;
  color: var(--bm-border, #E0E4E8);
  z-index: 1;
}
.bmc-step:last-child::after { display: none; }

/* ---- EDUCATION HEADINGS ---- */
.bmc-h2 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--bm-charcoal, #1D1D1F);
  margin: 28px 0 10px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--bm-border, #E0E4E8);
}
.bmc-h2:first-of-type { margin-top: 0; }

.bmc-h3 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--bm-blue, #002868);
  margin: 18px 0 6px;
}

/* ---- BODY PARAGRAPHS ---- */
.bmc-p {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin: 0 0 14px;
}
.bmc-p strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}

/* ---- FORMULA BOX ---- */
.bmc-formula {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  border-left: 4px solid var(--bm-blue, #002868);
  border-radius: 8px;
  padding: 14px 18px;
  margin: 16px 0;
  font-size: 0.82rem;
  color: #1E40AF;
  line-height: 1.65;
}
.bmc-formula code {
  font-family: 'Courier New', monospace;
  font-size: 0.85rem;
  font-weight: 700;
  display: block;
  margin-top: 6px;
  color: #002868;
}

/* ---- HIGHLIGHT CALLOUT BOX ---- */
.bmc-callout {
  border-radius: 10px;
  padding: 14px 18px;
  margin: 16px 0;
  font-size: 0.82rem;
  line-height: 1.65;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.bmc-callout.blue   { background: #EFF6FF; border: 1px solid #BFDBFE; color: #1E40AF; }
.bmc-callout.green  { background: #F0FBF6; border: 1px solid #A7F3D0; color: #065F46; }
.bmc-callout.amber  { background: #FFFBEB; border: 1px solid #FDE68A; color: #92400E; }
.bmc-callout.red    { background: #FFF5F7; border: 1px solid #FECDD3; color: #9F1239; }
.bmc-callout-icon   { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.bmc-callout strong { font-weight: 700; display: block; margin-bottom: 3px; }

/* ---- TWO-COL LAYOUT FOR EDUCATION ---- */
.bmc-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 16px 0;
}
.bmc-mini-card {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 16px;
}
.bmc-mini-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--bm-charcoal, #1D1D1F);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.bmc-mini-card ul {
  margin: 0;
  padding-left: 16px;
}
.bmc-mini-card ul li {
  font-size: 0.78rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.65;
  margin-bottom: 4px;
}

/* ---- COMPARISON PILL ROW ---- */
.bmc-pill-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 12px 0;
}
.bmc-pill {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--bm-charcoal, #1D1D1F);
}
.bmc-pill.blue   { background: #EFF6FF; border-color: #BFDBFE; color: #1E40AF; }
.bmc-pill.green  { background: #F0FBF6; border-color: #A7F3D0; color: #065F46; }
.bmc-pill.red    { background: #FFF5F7; border-color: #FECDD3; color: #9F1239; }
.bmc-pill.amber  { background: #FFFBEB; border-color: #FDE68A; color: #92400E; }

/* ---- MOBILE RESPONSIVE ---- */
@media (max-width: 860px) {
  .bmc-steps           { grid-template-columns: 1fr 1fr; }
  .bmc-step::after     { display: none; }
  .bmc-two-col         { grid-template-columns: 1fr; }
  .bmc-body            { padding: 18px 16px 22px; }
}
@media (max-width: 480px) {
  .bmc-steps           { grid-template-columns: 1fr; }
  .bmc-head            { padding: 10px 14px; font-size: 0.68rem; }
  .bmc-h2              { font-size: 0.95rem; }
  .bmc-lead            { font-size: 0.88rem; }
}

/* ---- RELATED CALCULATORS SECTION ---- */
.bmc-rel-intro {
  font-size: 0.875rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 22px;
}

/* ---- CATEGORY GROUP ---- */
.bmc-rel-group {
  margin-bottom: 28px;
}
.bmc-rel-group-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 8px 0 10px;
  border-bottom: 2px solid var(--bm-border, #E0E4E8);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.bmc-rel-group-label.blue   { color: var(--bm-blue,  #002868); }
.bmc-rel-group-label.green  { color: var(--bm-green, #00875A); }
.bmc-rel-group-label.amber  { color: #D97706; }
.bmc-rel-group-label.red    { color: var(--bm-red,   #BF0A30); }
.bmc-rel-group-label.teal   { color: #0891B2; }
.bmc-rel-group-label.purple { color: #7C3AED; }
.bmc-rel-group-label.orange { color: #EA580C; }

/* ---- CALCULATOR CARD GRID ---- */
.bmc-rel-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

/* ---- INDIVIDUAL CALC CARD ---- */
.bmc-rel-card {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 12px 13px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.18s, border-color 0.18s, transform 0.18s;
  cursor: pointer;
}
.bmc-rel-card:hover {
  box-shadow: 0 4px 16px rgba(0, 40, 104, 0.10);
  border-color: var(--bm-blue, #002868);
  transform: translateY(-2px);
  text-decoration: none;
}

.bmc-rel-card-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 1px;
  line-height: 1;
}

.bmc-rel-card-text {}

.bmc-rel-card-name {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--bm-charcoal, #1D1D1F);
  line-height: 1.3;
  margin-bottom: 3px;
  transition: color 0.15s;
}
.bmc-rel-card:hover .bmc-rel-card-name {
  color: var(--bm-blue, #002868);
}

.bmc-rel-card-desc {
  font-size: 0.68rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.5;
}

/* ---- FEATURED CARD (highlighted top pick) ---- */
.bmc-rel-card.featured {
  border-color: var(--bm-blue, #002868);
  background: #EFF6FF;
  position: relative;
}
.bmc-rel-card.featured::before {
  content: "⭐ Most Relevant";
  position: absolute;
  top: -1px;
  right: 10px;
  background: var(--bm-blue, #002868);
  color: #fff;
  font-size: 0.58rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 0 0 6px 6px;
  letter-spacing: 0.04em;
}

/* ---- VIEW ALL CALLOUT ---- */
.bmc-rel-viewall {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  background: linear-gradient(135deg, #001840 0%, #002868 60%, #003d8c 100%);
  border-radius: 12px;
  padding: 18px 22px;
  margin-top: 8px;
  flex-wrap: wrap;
}
.bmc-rel-viewall-text {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.5;
}
.bmc-rel-viewall-text strong {
  display: block;
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 3px;
}
.bmc-rel-viewall-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: #fff;
  color: var(--bm-blue, #002868);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  padding: 10px 20px;
  border-radius: 8px;
  text-decoration: none;
  flex-shrink: 0;
  transition: background 0.15s, transform 0.15s;
}
.bmc-rel-viewall-btn:hover {
  background: #DBEAFE;
  transform: translateY(-1px);
  text-decoration: none;
}

/* ---- MOBILE ---- */
@media (max-width: 900px) {
  .bmc-rel-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .bmc-rel-grid { grid-template-columns: 1fr; }
  .bmc-rel-card.featured::before { font-size: 0.55rem; padding: 2px 6px; }
  .bmc-rel-viewall { flex-direction: column; align-items: flex-start; }
}

/* ---- DISCLAIMER SECTION CONTAINER ---- */
.bmc-legal-wrap {
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
}

/* ---- TOP HEADER BAR ---- */
.bmc-legal-header {
  background: linear-gradient(135deg, #1D1D1F 0%, #2d2d30 100%);
  padding: 16px 22px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.bmc-legal-header-icon {
  font-size: 1.4rem;
  flex-shrink: 0;
}
.bmc-legal-header-text {}
.bmc-legal-header-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 2px;
}
.bmc-legal-header-sub {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
}

/* ---- INNER BODY ---- */
.bmc-legal-body {
  padding: 24px 24px 20px;
}

/* ---- TWO-COL LAYOUT (Disclaimer + Editorial) ---- */
.bmc-legal-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}

/* ---- INDIVIDUAL PANEL ---- */
.bmc-legal-panel {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 12px;
  overflow: hidden;
}

.bmc-legal-panel-head {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 11px 16px;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}
.bmc-legal-panel-head.charcoal { color: var(--bm-charcoal, #1D1D1F); background: #F3F4F6; }
.bmc-legal-panel-head.blue     { color: var(--bm-blue, #002868); background: #EFF6FF; }
.bmc-legal-panel-head.green    { color: var(--bm-green, #00875A); background: #F0FBF6; }
.bmc-legal-panel-head.amber    { color: #D97706; background: #FFFBEB; }

.bmc-legal-panel-body {
  padding: 14px 16px;
}

/* ---- TEXT INSIDE PANELS ---- */
.bmc-legal-p {
  font-size: 0.78rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.7;
  margin-bottom: 10px;
}
.bmc-legal-p:last-child { margin-bottom: 0; }
.bmc-legal-p strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}
.bmc-legal-p a {
  color: var(--bm-blue, #002868);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}
.bmc-legal-p a:hover { color: #001a4d; }

/* ---- CHECK LIST ---- */
.bmc-legal-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
}
.bmc-legal-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.76rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.6;
  padding: 5px 0;
  border-bottom: 1px solid var(--bm-border, #E0E4E8);
}
.bmc-legal-checklist li:last-child { border-bottom: none; padding-bottom: 0; }
.bmc-legal-checklist li strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
  display: block;
  margin-bottom: 1px;
}
.bmc-legal-check-icon {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  flex-shrink: 0;
  margin-top: 2px;
  font-weight: 700;
}
.bmc-legal-check-icon.green  { background: #D1FAE5; color: #065F46; }
.bmc-legal-check-icon.blue   { background: #DBEAFE; color: #1E40AF; }
.bmc-legal-check-icon.amber  { background: #FEF3C7; color: #92400E; }
.bmc-legal-check-icon.red    { background: #FEE2E2; color: #991B1B; }

/* ---- GOV AUTHORITY SOURCES ROW ---- */
.bmc-legal-gov-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 20px;
}
.bmc-legal-gov-card {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: var(--bm-white, #FFFFFF);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 12px 13px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.18s, border-color 0.18s, transform 0.18s;
}
.bmc-legal-gov-card:hover {
  box-shadow: 0 4px 16px rgba(0, 40, 104, 0.10);
  border-color: var(--bm-blue, #002868);
  transform: translateY(-2px);
  text-decoration: none;
}
.bmc-legal-gov-seal {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.bmc-legal-gov-seal.cfpb   { background: #DBEAFE; }
.bmc-legal-gov-seal.fdic   { background: #D1FAE5; }
.bmc-legal-gov-seal.hud    { background: #FEF3C7; }
.bmc-legal-gov-info {}
.bmc-legal-gov-agency {
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--bm-gray, #5F6368);
  margin-bottom: 2px;
}
.bmc-legal-gov-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--bm-charcoal, #1D1D1F);
  line-height: 1.3;
  margin-bottom: 3px;
}
.bmc-legal-gov-card:hover .bmc-legal-gov-title { color: var(--bm-blue, #002868); }
.bmc-legal-gov-desc {
  font-size: 0.64rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.45;
}
.bmc-legal-gov-link {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  font-size: 0.62rem;
  font-weight: 600;
  color: var(--bm-blue, #002868);
  margin-top: 4px;
}

/* ---- BOTTOM FINE PRINT BAR ---- */
.bmc-legal-fine {
  background: var(--bm-bg, #F7F9FC);
  border: 1px solid var(--bm-border, #E0E4E8);
  border-radius: 10px;
  padding: 14px 16px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.bmc-legal-fine-icon {
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.bmc-legal-fine-text {
  font-size: 0.72rem;
  color: var(--bm-gray, #5F6368);
  line-height: 1.65;
}
.bmc-legal-fine-text a {
  color: var(--bm-blue, #002868);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.bmc-legal-fine-text strong {
  color: var(--bm-charcoal, #1D1D1F);
  font-weight: 600;
}

/* ---- MOBILE ---- */
@media (max-width: 860px) {
  .bmc-legal-cols    { grid-template-columns: 1fr; gap: 14px; }
  .bmc-legal-gov-row { grid-template-columns: 1fr 1fr; }
  .bmc-legal-body    { padding: 18px; }
}
@media (max-width: 540px) {
  .bmc-legal-gov-row  { grid-template-columns: 1fr; }
  .bmc-legal-header   { padding: 14px 16px; }
  .bmc-legal-fine     { flex-direction: column; gap: 8px; }
}
/* =========================================================
   🧨 DYNAMIC RESULTS CARD BLOWOUT FIX (BALLOON MORTGAGE)
   ========================================================= */
@media screen and (max-width: 860px) {
  
  /* 1. THE STRAITJACKET: Target the exact ID that expands after calculation */
  #bmWrapper #bmResults,
  #bmWrapper .bmc-results-panel {
    width: 100% !important;
    max-width: 100vw !important;
    min-width: 0 !important; /* CRITICAL: This is the only command that stops a flex/grid child from stretching */
    box-sizing: border-box !important;
    overflow-x: hidden !important; /* Traps the content inside the card */
  }

  /* 2. THE TABLE TRAP: Force the table to scroll internally */
  #bmWrapper .bmc-table-wrap {
    display: block !important;
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }

  #bmWrapper .bmc-table {
    min-width: 550px !important; /* Keeps table columns readable */
    width: 100% !important;
  }

  /* 3. CHART CONTAINMENT */
  #bmWrapper .bmc-chart-wrap {
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
    overflow: hidden !important;
  }
  
  #bmWrapper .bmc-chart-wrap canvas {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
  }

  /* 4. LONG NUMBER WRAP: Stop large dollar amounts from stretching the blue banner */
  #bmWrapper .bmc-winner-value,
  #bmWrapper .bmc-winner-left,
  #bmWrapper .bmc-winner-right,
  #bmWrapper .bmc-kval {
    word-wrap: break-word !important;
    overflow-wrap: break-word !important;
    white-space: normal !important;
  }
}
/* ============================================================
   MOBILE FIX v2 — Results Card Overflow & Expand Issue
   Root cause: inline style on #bmStats, table overflow,
   results panel width not constrained on reveal
   ============================================================ */

/* ---- CORE FIX: Contain the results panel itself ---- */
.bm-results-panel {
  min-width: 0;
  max-width: 100%;
  overflow-x: hidden;
}

/* ---- CORE FIX: Contain the grid columns ---- */
.bm-grid {
  min-width: 0;
}
.bm-grid > * {
  min-width: 0;
  max-width: 100%;
}

/* ---- FIX: Stats inline style override ---- */
@media (max-width: 860px) {
  #bmStats {
    grid-template-columns: 1fr 1fr !important;
  }
}
@media (max-width: 420px) {
  #bmStats {
    grid-template-columns: 1fr 1fr !important;
  }
}

/* ---- FIX: All tables must scroll horizontally, not push layout ---- */
.bm-amort-scroll {
  overflow-x: auto !important;
  -webkit-overflow-scrolling: touch;
  width: 100%;
}
.bm-sens-wrap {
  overflow-x: auto !important;
  -webkit-overflow-scrolling: touch;
}
/* Override overflow:hidden on compare/sens wrappers that block scroll */
.bm-compare-wrap {
  overflow: visible !important;
}
.bm-compare-wrap > .bm-compare-head {
  border-radius: 12px 12px 0 0;
}
.bm-compare-tbl,
.bm-sens-tbl,
.bm-amort-tbl {
  min-width: 460px;
  width: 100%;
}
/* Scroll wrapper for compare table */
.bm-compare-tbl-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  width: 100%;
}

/* ---- FIX: Hero pills don't overflow ---- */
.bm-hero-pills {
  flex-wrap: wrap;
  width: 100%;
  box-sizing: border-box;
}
.bm-hero-pill {
  white-space: nowrap;
}

/* ---- FIX: Hero amount doesn't overflow on mobile ---- */
@media (max-width: 600px) {
  .bm-hero-amount {
    font-size: clamp(1.4rem, 8vw, 2rem) !important;
    word-break: break-word;
  }
}

/* ---- FIX: Action buttons row wraps ---- */
.bm-action-row {
  flex-wrap: wrap;
}
.bm-action-btn {
  min-width: 0;
  flex: 1 1 auto;
}
@media (max-width: 480px) {
  .bm-action-btn {
    flex: 1 1 100%;
    font-size: 0.72rem;
  }
}

/* ---- FIX: Exit grid single column on mobile ---- */
@media (max-width: 860px) {
  .bm-exit-grid {
    grid-template-columns: 1fr 1fr !important;
  }
}
@media (max-width: 480px) {
  .bm-exit-grid {
    grid-template-columns: 1fr !important;
  }
}

/* ---- FIX: Refi scenarios wrap ---- */
@media (max-width: 480px) {
  .bm-refi-scenarios {
    grid-template-columns: 1fr 1fr !important;
  }
}
@media (max-width: 380px) {
  .bm-refi-scenarios {
    grid-template-columns: 1fr !important;
  }
}

/* ---- FIX: Rate slider impact doesn't overflow ---- */
.bm-rate-impact {
  width: 100%;
  box-sizing: border-box;
}
@media (max-width: 380px) {
  .bm-rate-impact {
    grid-template-columns: 1fr 1fr !important;
  }
  .bm-rli-num {
    font-size: 0.85rem;
  }
}

/* ---- FIX: Extra payment grid ---- */
@media (max-width: 380px) {
  .bm-extra-grid {
    grid-template-columns: 1fr 1fr !important;
  }
}

/* ---- FIX: Risk items wrap ---- */
@media (max-width: 480px) {
  .bm-risk-items {
    grid-template-columns: 1fr !important;
  }
}

/* ---- FIX: Chart tabs wrap ---- */
@media (max-width: 480px) {
  .bm-chart-tabs {
    flex-wrap: wrap;
  }
  .bm-chart-tab {
    flex: 1 1 auto;
    text-align: center;
    font-size: 0.68rem;
    padding: 5px 6px;
  }
}

/* ---- FIX: All inner cards/wraps don't overflow ---- */
.bm-compare-wrap,
.bm-exit-wrap,
.bm-refi-wrap,
.bm-chart-wrap,
.bm-amort-wrap,
.bm-sens-wrap,
.bm-risk-wrap {
  max-width: 100%;
  box-sizing: border-box;
}

/* ---- FIX: Results panel padding tighter on small screens ---- */
@media (max-width: 600px) {
  .bm-results-panel {
    padding: 14px 10px;
  }
  .bm-input-panel {
    padding: 18px 14px;
  }
  .bm-refi-body,
  .bm-exit-body {
    padding: 12px 10px;
  }
}