:root{
  --navy:#002868;--navy-d:#001a45;--navy-l:#003a8c;--navy-xl:#e8ecf7;
  --red:#BF0A30;--red-l:#ffeaea;
  --green:#00875A;--green-l:#e6f5f0;
  --amber:#D97706;--amber-l:#fef3c7;
  --purple:#7c3aed;--purple-l:#ede9fe;
  --g50:#f8fafc;--g100:#f1f5f9;--g200:#e2e8f0;--g300:#cbd5e1;
  --g400:#94a3b8;--g500:#64748b;--g600:#475569;--g700:#334155;--g900:#0f172a;
  --r:10px;--rl:16px;
  --sh:0 1px 4px rgba(0,40,104,.07),0 4px 16px rgba(0,40,104,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--g50);color:var(--g900);font-size:14px;line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}

/* HERO */
.dscr-hdr{background:var(--navy-d);position:relative;overflow:hidden;padding:48px 20px 40px;text-align:center}
.dscr-hdr-bg{position:absolute;inset:0;background:
  radial-gradient(ellipse 70% 60% at 15% 50%,rgba(0,58,140,.6) 0,transparent 60%),
  radial-gradient(ellipse 50% 70% at 85% 30%,rgba(124,58,237,.16) 0,transparent 55%),
  linear-gradient(150deg,#001a45 0,#002868 55%,#003070 100%);z-index:0}
.dscr-hdr-grid{position:absolute;inset:0;background-image:
  linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),
  linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);
background-size:40px 40px;opacity:.75;z-index:1}
.dscr-hdr-inner{position:relative;z-index:2}
.dscr-hdr .brand{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:10px}
.dscr-hdr h1{font-size:clamp(22px,4.5vw,38px);font-weight:900;color:#fff;letter-spacing:-1px;line-height:1.1;margin-bottom:12px}
.dscr-hdr h1 em{font-style:normal;color:#93c5ff}
.dscr-hdr .sub{color:rgba(255,255,255,.62);font-size:14px;max-width:680px;margin:0 auto 22px}
.dscr-pill-row{display:flex;flex-wrap:wrap;gap:7px;justify-content:center}
.dscr-pill{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:4px 13px;font-size:11px;font-weight:600;color:rgba(255,255,255,.8);font-family:'Montserrat',sans-serif;letter-spacing:.2px}
.dscr-pill.hi{background:rgba(0,135,90,.2);border-color:rgba(0,135,90,.45);color:#6ee7b7}

/* LAYOUT */
.dscr-wrap{max-width:1120px;margin:0 auto;padding:28px 16px 90px}
.dscr-card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:24px;margin-bottom:20px;border:1px solid var(--g200)}
.dscr-sec-ttl{display:flex;align-items:center;gap:10px;margin-bottom:18px;flex-wrap:wrap}
.dscr-sec-ttl .ico{width:32px;height:32px;border-radius:8px;background:var(--navy-xl);display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.dscr-sec-ttl h2{font-size:14px;font-weight:700;color:var(--navy)}
.dscr-sec-ttl .opt{font-size:11px;font-weight:400;color:var(--g400);margin-left:4px}

/* INPUT GRID */
.dscr-igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.dscr-fg{display:flex;flex-direction:column;gap:4px}
.dscr-fg label{font-size:11px;font-weight:700;color:var(--g600);display:flex;align-items:center;gap:5px;text-transform:uppercase;letter-spacing:.4px}
.dscr-irow{display:flex;align-items:center;border:1.5px solid var(--g200);border-radius:8px;overflow:hidden;background:#fff;transition:border-color .15s}
.dscr-irow:focus-within{border-color:var(--navy)}
.dscr-ipfx,.dscr-isfx{padding:0 10px;background:var(--g100);color:var(--g500);font-size:12px;font-weight:700;height:40px;display:flex;align-items:center;flex-shrink:0;border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif}
.dscr-isfx{border-right:none;border-left:1px solid var(--g200)}
.dscr-fg input,.dscr-fg select{flex:1;border:none;outline:none;padding:0 10px;font-family:'DM Sans',sans-serif;font-size:14px;height:40px;background:transparent;color:var(--g900);width:100%;min-width:0}
.dscr-fg select{cursor:pointer}
.dscr-hint{font-size:10px;color:var(--g400);line-height:1.3;margin-top:2px}

/* Tooltip */
.dscr-tip{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;background:var(--g200);border-radius:50%;font-size:8px;font-weight:700;color:var(--g500);cursor:help;position:relative}
.dscr-tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;min-width:180px;max-width:260px;z-index:99;line-height:1.4;text-align:center;white-space:normal;pointer-events:none;font-family:'DM Sans',sans-serif}

/* Toggle */
.dscr-tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px}
.dscr-tgb{flex:1;padding:8px 10px;border:none;background:transparent;border-radius:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;color:var(--g500);transition:all .18s;white-space:nowrap;letter-spacing:.2px;text-align:center;line-height:1.3}
.dscr-tgb.on{background:var(--navy);color:#fff;box-shadow:0 1px 6px rgba(0,40,104,.25)}

/* Main calculate button */
.dscr-calc-btn{width:100%;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 50%,var(--navy-l) 100%);color:#fff;border:none;border-radius:var(--r);padding:15px 20px;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;cursor:pointer;letter-spacing:.3px;transition:transform .15s,box-shadow .15s;margin-top:8px;display:flex;align-items:center;justify-content:center;gap:8px}
.dscr-calc-btn:hover{transform:translateY(-2px);box-shadow:0 9px 30px rgba(0,40,104,.32)}
.dscr-calc-btn:active{transform:none;box-shadow:var(--sh)}

/* Results hero band */
.dscr-hero-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,#1a4fc4 100%);border-radius:var(--rl);padding:26px;color:#fff;margin-bottom:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:20px;align-items:center}
.dscr-hm .hl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.4px;color:rgba(255,255,255,.5);margin-bottom:4px;font-family:'Montserrat',sans-serif}
.dscr-hm .hv{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3vw,30px);font-weight:900;line-height:1}
.dscr-hm .hs{font-size:11px;color:rgba(255,255,255,.5);margin-top:4px}
.dscr-hm-sep{width:1px;background:rgba(255,255,255,.16);min-height:56px;align-self:stretch}
.dscr-band-chip{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;border-radius:999px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.23);margin-bottom:6px}

/* Metric tiles */
.dscr-mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-bottom:20px}
.dscr-mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;overflow:hidden}
.dscr-mc::after{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.dscr-mc.g::after{background:var(--green)}
.dscr-mc.a::after{background:var(--amber)}
.dscr-mc.r::after{background:var(--red)}
.dscr-mc.n::after{background:var(--navy)}
.dscr-mc .ml{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g400);margin-bottom:5px;font-family:'Montserrat',sans-serif}
.dscr-mc .mv{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--g900)}
.dscr-mc .ms{font-size:11px;color:var(--g500);margin-top:3px}
.dscr-mc .mf{font-size:10px;color:var(--g400);margin-top:6px;font-style:italic}

/* Verdict badge */
.dscr-vb{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:999px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif}
.dscr-vg{background:var(--green-l);color:var(--green)}
.dscr-va{background:var(--amber-l);color:#92400e}
.dscr-vr{background:var(--red-l);color:var(--red)}
.dscr-vn{background:var(--navy-xl);color:var(--navy)}

/* Alerts */
.dscr-alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;display:flex;gap:8px;align-items:flex-start;line-height:1.5;border:1px solid}
.dscr-alrt.warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.dscr-alrt.dng{background:var(--red-l);color:var(--red);border-color:var(--red)}
.dscr-alrt.info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.2)}
.dscr-alrt.ok{background:var(--green-l);color:#065f46;border-color:var(--green)}

/* Tabs */
.dscr-tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:20px;overflow-x:auto;scrollbar-width:none}
.dscr-tabs::-webkit-scrollbar{display:none}
.dscr-tab-b{padding:9px 14px;border:none;background:transparent;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .15s;letter-spacing:.3px}
.dscr-tab-b.on{color:var(--navy);border-bottom-color:var(--navy)}
.dscr-tp{display:none}.dscr-tp.on{display:block}

/* Tables */
.dscr-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.dscr-stbl{width:100%;border-collapse:collapse;font-size:12px}
.dscr-stbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:8px 10px;text-align:left;border:1px solid var(--g200)}
.dscr-stbl td{padding:8px 10px;border:1px solid var(--g200);vertical-align:middle}
.dscr-stbl tr:nth-child(even) td{background:var(--g50)}
.dscr-stbl tr.hl td{background:var(--navy-xl);font-weight:700}

/* Sensitivity matrix */
.dscr-sens{width:100%;border-collapse:collapse;font-size:11px;text-align:center}
.dscr-sens th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;padding:7px 6px;border:1px solid var(--g200)}
.dscr-sens td{padding:7px 6px;border:1px solid var(--g200);font-family:'Montserrat',sans-serif;font-weight:600}
.dscr-sens td.sg{background:var(--green-l);color:var(--green)}
.dscr-sens td.sa{background:var(--amber-l);color:#92400e}
.dscr-sens td.sr{background:var(--red-l);color:var(--red)}
.dscr-sens td.sn{background:var(--navy-xl);color:var(--navy);font-weight:800}

/* Sliders scenario */
.dscr-scn{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:16px;margin-top:14px}
.dscr-scn h4{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:10px}
.dscr-slider-wrap{display:flex;flex-direction:column;gap:4px;margin-bottom:8px}
.dscr-slider-wrap label{font-size:11px;font-weight:700;color:var(--g600);text-transform:uppercase;letter-spacing:.4px;display:flex;justify-content:space-between;align-items:center}
.dscr-slider-wrap label span{font-family:'Montserrat',sans-serif;color:var(--navy);font-size:13px}
input[type=range]{width:100%;accent-color:var(--navy);height:4px;cursor:pointer}
.dscr-scn-res{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin-top:10px}
.dscr-scn-val{text-align:center;padding:10px;background:#fff;border-radius:8px;border:1px solid var(--g200)}
.dscr-scn-val .sv{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--navy)}
.dscr-scn-val .sl{font-size:10px;text-transform:uppercase;color:var(--g400);letter-spacing:.5px;margin-top:3px;font-family:'Montserrat',sans-serif}

/* Export buttons */
.dscr-ebtns{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.dscr-ebtn{flex:1;min-width:150px;padding:11px 16px;border-radius:var(--r);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all .15s;border:2px solid;display:flex;align-items:center;justify-content:center;gap:7px;letter-spacing:.2px}
.dscr-ebtn.prim{border-color:var(--navy);background:var(--navy);color:#fff}
.dscr-ebtn.prim:hover{background:var(--navy-l)}
.dscr-ebtn.sec{border-color:var(--navy);background:#fff;color:var(--navy)}
.dscr-ebtn.sec:hover{background:var(--navy);color:#fff}
.dscr-ebtn.wa{border-color:#25D366;background:#fff;color:#25D366}
.dscr-ebtn.wa:hover{background:#25D366;color:#fff}
.dscr-ebtn.rst{border-color:var(--red);background:#fff;color:var(--red)}
.dscr-ebtn.rst:hover{background:var(--red);color:#fff}

/* Mobile adjustments & safe area */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.dscr-wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.dscr-card{overflow:hidden;word-break:break-word}
.dscr-irow{min-width:0;width:100%}
.dscr-ipfx,.dscr-isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.dscr-tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.dscr-tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal}

/* Responsive */
@media(max-width:640px){
  .dscr-hero-band{grid-template-columns:1fr 1fr;gap:14px;padding:20px 16px}
  .dscr-hm-sep{display:none}
}
@media(max-width:600px){
  .dscr-igrid{grid-template-columns:1fr!important}
  .dscr-mgrid{grid-template-columns:1fr 1fr!important}
}
@media(max-width:520px){
  .dscr-mgrid{grid-template-columns:1fr!important}
  .dscr-ebtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
}
@media(max-width:440px){
  .dscr-ebtns{grid-template-columns:1fr}
}

.sec-ttl .ui-h2 { 
  font-size: 16px; /* Adjust to match your existing h2 size */
  font-weight: 700; 
  color: var(--navy); 
  font-family: 'Montserrat', sans-serif;
}

/* Hide results until calculated */
.dscr-res{display:none}
.dscr-res.on{display:block}

/* ── Layout wrapper ─────────────────────────────────────────── */
.ed1-wrap{max-width:1120px;margin:0 auto;padding:0 16px 60px}

/* ── Section divider ────────────────────────────────────────── */
.ed1-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed1-divider-line{flex:1;height:1px;background:var(--g200)}
.ed1-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── Step cards grid (How to Use) ───────────────────────────── */
.ed1-step-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:4px}
.ed1-step{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:14px 14px 12px;display:flex;gap:12px;align-items:flex-start}
.ed1-step-num{width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.ed1-step-body{}
.ed1-step-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);margin-bottom:3px}
.ed1-step-text{font-size:11px;color:var(--g600);line-height:1.6}
.ed1-step-tag{display:inline-flex;align-items:center;gap:4px;margin-top:5px;padding:2px 7px;border-radius:999px;background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;letter-spacing:.3px}

/* ── Formula box ─────────────────────────────────────────────── */
.ed1-formula-main{background:var(--navy-d);border-radius:var(--rl);padding:22px 24px;color:#fff;text-align:center;margin:14px 0 10px}
.ed1-formula-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:8px}
.ed1-formula-eq{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:900;color:#fff;line-height:1.3;letter-spacing:-.3px}
.ed1-formula-eq .hi{color:#93c5ff}
.ed1-formula-note{font-size:11px;color:rgba(255,255,255,.55);margin-top:8px;line-height:1.5}

/* Formula variants grid */
.ed1-fvar-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.ed1-fvar{border-radius:var(--r);padding:14px;text-align:center;border:1px solid transparent}
.ed1-fvar.mode1{background:var(--navy-xl);border-color:rgba(0,40,104,.15)}
.ed1-fvar.mode2{background:var(--green-l);border-color:rgba(0,135,90,.2)}
.ed1-fvar.mode3{background:var(--amber-l);border-color:rgba(217,119,6,.2)}
.ed1-fvar-mode{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;margin-bottom:5px}
.ed1-fvar.mode1 .ed1-fvar-mode{color:var(--navy)}
.ed1-fvar.mode2 .ed1-fvar-mode{color:var(--green)}
.ed1-fvar.mode3 .ed1-fvar-mode{color:var(--amber)}
.ed1-fvar-eq{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--g900);line-height:1.4}
.ed1-fvar-desc{font-size:10px;color:var(--g600);margin-top:4px;line-height:1.5}

/* ── NOI waterfall ───────────────────────────────────────────── */
.ed1-waterfall{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);overflow:hidden;margin-top:14px}
.ed1-wf-row{display:flex;align-items:center;justify-content:space-between;padding:8px 14px;border-bottom:1px solid var(--g200);font-size:12px}
.ed1-wf-row:last-child{border-bottom:none}
.ed1-wf-row.income{background:var(--green-l)}
.ed1-wf-row.deduct{background:#fff}
.ed1-wf-row.sub{background:var(--navy-xl)}
.ed1-wf-row.result{background:var(--navy-d);color:#fff}
.ed1-wf-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:11px;display:flex;align-items:center;gap:6px}
.ed1-wf-row.result .ed1-wf-label{color:rgba(255,255,255,.8)}
.ed1-wf-val{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12px;color:var(--navy)}
.ed1-wf-row.income .ed1-wf-val{color:var(--green)}
.ed1-wf-row.deduct .ed1-wf-val{color:var(--red)}
.ed1-wf-row.sub .ed1-wf-val{color:var(--navy)}
.ed1-wf-row.result .ed1-wf-val{color:#6ee7b7;font-size:14px}

/* ── DSCR scale bar ──────────────────────────────────────────── */
.ed1-scale{margin-top:14px}
.ed1-scale-bar{height:14px;border-radius:999px;background:linear-gradient(to right,#BF0A30 0%,#D97706 30%,#00875A 55%,#003a8c 80%,#001a45 100%);position:relative;margin:8px 0 18px}
.ed1-scale-markers{display:flex;justify-content:space-between;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;color:var(--g500);margin-top:4px}
.ed1-scale-zones{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin-top:8px}
.ed1-zone{border-radius:var(--r);padding:9px 10px;text-align:center}
.ed1-zone.zr{background:var(--red-l);border:1px solid var(--red)}
.ed1-zone.za{background:var(--amber-l);border:1px solid var(--amber)}
.ed1-zone.zg{background:var(--green-l);border:1px solid var(--green)}
.ed1-zone.zn{background:var(--navy-xl);border:1px solid rgba(0,40,104,.2)}
.ed1-zone.zd{background:#ede9fe;border:1px solid var(--purple)}
.ed1-zone-range{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;margin-bottom:2px}
.ed1-zone.zr .ed1-zone-range{color:var(--red)}
.ed1-zone.za .ed1-zone-range{color:var(--amber)}
.ed1-zone.zg .ed1-zone-range{color:var(--green)}
.ed1-zone.zn .ed1-zone-range{color:var(--navy)}
.ed1-zone.zd .ed1-zone-range{color:var(--purple)}
.ed1-zone-label{font-size:10px;font-weight:700;font-family:'Montserrat',sans-serif;margin-bottom:2px}
.ed1-zone-desc{font-size:9px;color:var(--g600);line-height:1.4}

/* ── Lender standards table ──────────────────────────────────── */
.ed1-lender-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:14px}
.ed1-lender-card{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:12px 14px;position:relative;overflow:hidden}
.ed1-lender-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.ed1-lender-card.sba::before{background:#00875A}
.ed1-lender-card.conv::before{background:var(--navy)}
.ed1-lender-card.cmbs::before{background:var(--purple)}
.ed1-lender-card.dscrloan::before{background:var(--amber)}
.ed1-lender-card.bridge::before{background:var(--red)}
.ed1-lender-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);margin-bottom:2px}
.ed1-lender-dscr{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;margin-bottom:4px}
.ed1-lender-card.sba .ed1-lender-dscr{color:var(--green)}
.ed1-lender-card.conv .ed1-lender-dscr{color:var(--navy)}
.ed1-lender-card.cmbs .ed1-lender-dscr{color:var(--purple)}
.ed1-lender-card.dscrloan .ed1-lender-dscr{color:var(--amber)}
.ed1-lender-card.bridge .ed1-lender-dscr{color:var(--red)}
.ed1-lender-note{font-size:10px;color:var(--g600);line-height:1.5}

/* ── Key concept cards ───────────────────────────────────────── */
.ed1-concept-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.ed1-concept{background:#fff;border-radius:var(--r);border-left:4px solid var(--navy);padding:12px 14px;border-top:1px solid var(--g200);border-right:1px solid var(--g200);border-bottom:1px solid var(--g200)}
.ed1-concept.green{border-left-color:var(--green)}
.ed1-concept.amber{border-left-color:var(--amber)}
.ed1-concept.red{border-left-color:var(--red)}
.ed1-concept.purple{border-left-color:var(--purple)}
.ed1-concept-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);margin-bottom:4px}
.ed1-concept-text{font-size:11px;color:var(--g600);line-height:1.6}

/* ── FAQ accordion ───────────────────────────────────────────── */
.ed1-faq-item{border-bottom:1px solid var(--g200)}
.ed1-faq-item:last-child{border-bottom:none}
.ed1-faq-q{width:100%;background:none;border:none;text-align:left;padding:12px 0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:10px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);line-height:1.4}
.ed1-faq-arrow{font-size:11px;color:var(--g400);flex-shrink:0;transition:transform .2s}
.ed1-faq-q[aria-expanded="true"] .ed1-faq-arrow{transform:rotate(180deg)}
.ed1-faq-a{font-size:12px;color:var(--g600);line-height:1.7;max-height:0;overflow:hidden;transition:max-height .3s ease,padding .2s}
.ed1-faq-a.open{max-height:400px;padding-bottom:12px}

/* ── Responsive breakpoints ─────────────────────────────────── */
@media(max-width:760px){
  .ed1-lender-grid{grid-template-columns:repeat(2,1fr)}
  .ed1-concept-grid{grid-template-columns:repeat(2,1fr)}
  .ed1-fvar-grid{grid-template-columns:1fr}
  .ed1-scale-zones{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .ed1-step-grid{grid-template-columns:1fr}
  .ed1-lender-grid{grid-template-columns:1fr}
  .ed1-concept-grid{grid-template-columns:1fr}
  .ed1-scale-zones{grid-template-columns:1fr}
}

/* ── Layout ─────────────────────────────────────────────────── */
.ed2-wrap{max-width:1120px;margin:0 auto;padding:0 16px 60px}

/* ── Divider ────────────────────────────────────────────────── */
.ed2-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed2-divider-line{flex:1;height:1px;background:var(--g200)}
.ed2-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── Example card grid ──────────────────────────────────────── */
.ed2-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ed2-card{background:#fff;border:1px solid var(--g200);border-radius:var(--rl);padding:18px 18px 14px;position:relative;overflow:hidden;transition:box-shadow .18s,transform .18s}
.ed2-card:hover{box-shadow:var(--sh);transform:translateY(-2px)}
.ed2-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--navy)}
.ed2-card.pass::before{background:var(--green)}
.ed2-card.warn::before{background:var(--amber)}
.ed2-card.fail::before{background:var(--red)}
.ed2-card.bridge::before{background:var(--purple)}

/* Full-width 5th card */
.ed2-card-full{grid-column:1/-1}

/* ── Card header ────────────────────────────────────────────── */
.ed2-kicker{display:inline-flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;color:var(--g500);margin-bottom:5px}
.ed2-kicker span{font-size:12px}
.ed2-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin-bottom:2px;line-height:1.3}
.ed2-meta{font-size:10px;color:var(--g500);margin-bottom:10px}

/* ── Data rows ──────────────────────────────────────────────── */
.ed2-rows{display:flex;flex-direction:column;gap:0;border:1px solid var(--g200);border-radius:var(--r);overflow:hidden;margin-bottom:10px}
.ed2-row{display:flex;justify-content:space-between;align-items:center;padding:7px 12px;font-size:11px;border-bottom:1px solid var(--g200)}
.ed2-row:last-child{border-bottom:none}
.ed2-row.sep{background:var(--g50)}
.ed2-row.result{background:var(--navy-xl)}
.ed2-row.good{background:var(--green-l)}
.ed2-row.bad{background:var(--red-l)}
.ed2-row.caution{background:var(--amber-l)}
.ed2-row-label{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--g700);font-size:10px;text-transform:uppercase;letter-spacing:.3px}
.ed2-row-val{font-family:'Montserrat',sans-serif;font-weight:800;color:var(--navy);font-size:12px}
.ed2-row.good .ed2-row-val{color:var(--green)}
.ed2-row.bad .ed2-row-val{color:var(--red)}
.ed2-row.caution .ed2-row-val{color:var(--amber)}
.ed2-row.result .ed2-row-label{color:var(--navy)}

/* ── DSCR big display ───────────────────────────────────────── */
.ed2-dscr-band{display:flex;align-items:center;justify-content:space-between;gap:10px;background:var(--navy-d);border-radius:var(--r);padding:12px 16px;color:#fff;margin-bottom:10px}
.ed2-dscr-left .ed2-dscr-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:3px}
.ed2-dscr-left .ed2-dscr-val{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:900;line-height:1;color:#fff}
.ed2-dscr-right{text-align:right}
.ed2-dscr-right .ed2-dscr-prog{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:3px}
.ed2-dscr-right .ed2-dscr-verdict{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800}
.ed2-dscr-right .ed2-dscr-verdict.pass{color:#6ee7b7}
.ed2-dscr-right .ed2-dscr-verdict.warn{color:#fcd34d}
.ed2-dscr-right .ed2-dscr-verdict.fail{color:#fca5a5}

/* ── Verdict badge ──────────────────────────────────────────── */
.ed2-vb{display:inline-flex;align-items:center;gap:5px;padding:3px 9px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;margin-top:6px}
.ed2-vb.g{background:var(--green-l);color:var(--green)}
.ed2-vb.a{background:var(--amber-l);color:#92400e}
.ed2-vb.r{background:var(--red-l);color:var(--red)}
.ed2-vb.p{background:#ede9fe;color:var(--purple)}
.ed2-vb.n{background:var(--navy-xl);color:var(--navy)}

/* ── Takeaway note ──────────────────────────────────────────── */
.ed2-note{font-size:11px;color:var(--g600);line-height:1.6;margin-top:8px;padding:8px 10px;background:var(--g50);border-radius:var(--r);border:1px solid var(--g200)}
.ed2-note strong{color:var(--navy)}

/* ── Full-width inner layout (Example 5) ───────────────────── */
.ed2-full-inner{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}

/* ── Responsive ─────────────────────────────────────────────── */
@media(max-width:760px){
  .ed2-full-inner{grid-template-columns:1fr}
}
@media(max-width:600px){
  .ed2-grid{grid-template-columns:1fr}
  .ed2-card-full{grid-column:unset}
}

/* ── Layout ─────────────────────────────────────────────────── */
.ed3-wrap{max-width:1120px;margin:0 auto;padding:0 16px 60px}

/* ── Divider ────────────────────────────────────────────────── */
.ed3-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed3-divider-line{flex:1;height:1px;background:var(--g200)}
.ed3-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── Tip card grid ───────────────────────────────────────────── */
.ed3-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ed3-tip-card{background:#fff;border:1px solid var(--g200);border-radius:var(--rl);overflow:hidden;transition:box-shadow .18s,transform .18s}
.ed3-tip-card:hover{box-shadow:var(--sh);transform:translateY(-2px)}

/* Full-width card */
.ed3-tip-full{grid-column:1/-1}

/* ── Tip header band ─────────────────────────────────────────── */
.ed3-tip-hdr{padding:16px 18px 12px;position:relative}
.ed3-tip-hdr.navy{background:var(--navy-d)}
.ed3-tip-hdr.green{background:linear-gradient(135deg,#065f46,#00875A)}
.ed3-tip-hdr.amber{background:linear-gradient(135deg,#92400e,#D97706)}
.ed3-tip-hdr.red{background:linear-gradient(135deg,#7f1d1d,#BF0A30)}
.ed3-tip-hdr.purple{background:linear-gradient(135deg,#4c1d95,#7c3aed)}

.ed3-tip-num{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:4px;display:flex;align-items:center;gap:6px}
.ed3-tip-icon{font-size:14px}
.ed3-tip-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:900;color:#fff;line-height:1.25;letter-spacing:-.2px}
.ed3-tip-sub{font-size:11px;color:rgba(255,255,255,.6);margin-top:4px;line-height:1.5}

/* ── Tip body ────────────────────────────────────────────────── */
.ed3-tip-body{padding:16px 18px}

/* ── Key insight box ─────────────────────────────────────────── */
.ed3-insight{border-radius:var(--r);padding:10px 12px;margin-bottom:12px;font-size:12px;line-height:1.6;display:flex;gap:8px;align-items:flex-start}
.ed3-insight.navy{background:var(--navy-xl);border:1px solid rgba(0,40,104,.15)}
.ed3-insight.green{background:var(--green-l);border:1px solid rgba(0,135,90,.2)}
.ed3-insight.amber{background:var(--amber-l);border:1px solid rgba(217,119,6,.2)}
.ed3-insight.red{background:var(--red-l);border:1px solid rgba(191,10,48,.2)}
.ed3-insight.purple{background:#ede9fe;border:1px solid rgba(124,58,237,.2)}
.ed3-insight-icon{font-size:14px;flex-shrink:0;margin-top:1px}
.ed3-insight-text{color:var(--g700)}
.ed3-insight-text strong{color:var(--navy)}
.ed3-insight.green .ed3-insight-text strong{color:var(--green)}
.ed3-insight.amber .ed3-insight-text strong{color:#92400e}
.ed3-insight.red .ed3-insight-text strong{color:var(--red)}
.ed3-insight.purple .ed3-insight-text strong{color:var(--purple)}

/* ── Comparison table ─────────────────────────────────────────── */
.ed3-cmp{width:100%;border-collapse:collapse;font-size:11px;margin-bottom:12px}
.ed3-cmp th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;padding:7px 10px;text-align:left;border:1px solid var(--g200)}
.ed3-cmp td{padding:7px 10px;border:1px solid var(--g200);vertical-align:middle;color:var(--g700);line-height:1.5}
.ed3-cmp tr:nth-child(even) td{background:var(--g50)}
.ed3-cmp td.good{color:var(--green);font-family:'Montserrat',sans-serif;font-weight:800}
.ed3-cmp td.bad{color:var(--red);font-family:'Montserrat',sans-serif;font-weight:800}
.ed3-cmp td.warn{color:var(--amber);font-family:'Montserrat',sans-serif;font-weight:800}
.ed3-cmp td.bold{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}

/* ── Step list ───────────────────────────────────────────────── */
.ed3-steps{display:flex;flex-direction:column;gap:8px;margin-bottom:12px}
.ed3-step{display:flex;gap:10px;align-items:flex-start}
.ed3-step-dot{width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:#fff;flex-shrink:0;margin-top:1px}
.ed3-step-dot.navy{background:var(--navy)}
.ed3-step-dot.green{background:var(--green)}
.ed3-step-dot.amber{background:var(--amber)}
.ed3-step-dot.red{background:var(--red)}
.ed3-step-dot.purple{background:var(--purple)}
.ed3-step-text{font-size:11px;color:var(--g600);line-height:1.6;padding-top:2px}
.ed3-step-text strong{color:var(--navy)}

/* ── Checklist ───────────────────────────────────────────────── */
.ed3-checklist{display:flex;flex-direction:column;gap:6px;margin-bottom:12px}
.ed3-check{display:flex;align-items:flex-start;gap:8px;font-size:11px;color:var(--g600);line-height:1.5}
.ed3-check-icon{font-size:13px;flex-shrink:0;margin-top:1px}
.ed3-check strong{color:var(--navy)}

/* ── Mini metric row ─────────────────────────────────────────── */
.ed3-mrow{display:flex;gap:10px;margin-bottom:12px;flex-wrap:wrap}
.ed3-mbox{flex:1;min-width:100px;background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:10px 12px;text-align:center}
.ed3-mbox-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;color:var(--navy);line-height:1}
.ed3-mbox-val.good{color:var(--green)}
.ed3-mbox-val.bad{color:var(--red)}
.ed3-mbox-val.warn{color:var(--amber)}
.ed3-mbox-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g500);margin-top:4px}

/* ── Lender layering matrix ──────────────────────────────────── */
.ed3-layer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:12px}
.ed3-layer{border-radius:var(--r);padding:10px 12px;text-align:center;border:1px solid transparent}
.ed3-layer.a{background:var(--navy-xl);border-color:rgba(0,40,104,.15)}
.ed3-layer.b{background:var(--green-l);border-color:rgba(0,135,90,.2)}
.ed3-layer.c{background:var(--amber-l);border-color:rgba(217,119,6,.2)}
.ed3-layer.d{background:var(--red-l);border-color:rgba(191,10,48,.15)}
.ed3-layer.e{background:#ede9fe;border-color:rgba(124,58,237,.2)}
.ed3-layer.f{background:var(--g50);border-color:var(--g200)}
.ed3-layer-name{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;margin-bottom:3px}
.ed3-layer.a .ed3-layer-name{color:var(--navy)}
.ed3-layer.b .ed3-layer-name{color:var(--green)}
.ed3-layer.c .ed3-layer-name{color:#92400e}
.ed3-layer.d .ed3-layer-name{color:var(--red)}
.ed3-layer.e .ed3-layer-name{color:var(--purple)}
.ed3-layer.f .ed3-layer-name{color:var(--g600)}
.ed3-layer-val{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:900;color:var(--g900);margin-bottom:2px}
.ed3-layer-desc{font-size:9px;color:var(--g500);line-height:1.4}

/* ── Bottom note ─────────────────────────────────────────────── */
.ed3-footnote{font-size:11px;color:var(--g500);margin-top:8px;font-style:italic;line-height:1.5;padding-top:8px;border-top:1px solid var(--g200)}

/* ── Responsive ──────────────────────────────────────────────── */
@media(max-width:760px){
  .ed3-layer-grid{grid-template-columns:repeat(2,1fr)}
  .ed3-mrow{flex-wrap:wrap}
  .ed3-mbox{min-width:80px}
}
@media(max-width:600px){
  .ed3-grid{grid-template-columns:1fr}
  .ed3-tip-full{grid-column:unset}
  .ed3-layer-grid{grid-template-columns:repeat(2,1fr)}
  .ed3-cmp{font-size:10px}
}

/* ── Layout ─────────────────────────────────────────────────── */
.ed4-wrap{max-width:1120px;margin:0 auto;padding:0 16px 60px}

/* ── Divider ────────────────────────────────────────────────── */
.ed4-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed4-divider-line{flex:1;height:1px;background:var(--g200)}
.ed4-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── FAQ category header ─────────────────────────────────────── */
.ed4-cat{display:flex;align-items:center;gap:10px;margin:20px 0 10px}
.ed4-cat-ico{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0}
.ed4-cat-ico.navy{background:var(--navy-xl)}
.ed4-cat-ico.green{background:var(--green-l)}
.ed4-cat-ico.amber{background:var(--amber-l)}
.ed4-cat-ico.red{background:var(--red-l)}
.ed4-cat-ico.purple{background:#ede9fe}
.ed4-cat-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.8px}
.ed4-cat-title.navy{color:var(--navy)}
.ed4-cat-title.green{color:var(--green)}
.ed4-cat-title.amber{color:#92400e}
.ed4-cat-title.red{color:var(--red)}
.ed4-cat-title.purple{color:var(--purple)}
.ed4-cat-line{flex:1;height:1px;background:var(--g200)}

/* ── FAQ accordion ───────────────────────────────────────────── */
.ed4-faq-list{display:flex;flex-direction:column;gap:0;border:1px solid var(--g200);border-radius:var(--r);overflow:hidden;margin-bottom:4px}
.ed4-faq-item{border-bottom:1px solid var(--g200)}
.ed4-faq-item:last-child{border-bottom:none}

.ed4-faq-q{width:100%;background:#fff;border:none;text-align:left;padding:13px 16px;cursor:pointer;display:flex;justify-content:space-between;align-items:flex-start;gap:12px;transition:background .15s}
.ed4-faq-q:hover{background:var(--g50)}
.ed4-faq-q[aria-expanded="true"]{background:var(--navy-xl)}

.ed4-faq-q-inner{display:flex;align-items:flex-start;gap:10px;flex:1}
.ed4-faq-qnum{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:var(--g400);flex-shrink:0;margin-top:2px;min-width:22px}
.ed4-faq-qtext{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);line-height:1.45;text-align:left}
.ed4-faq-q[aria-expanded="true"] .ed4-faq-qtext{color:var(--navy)}

.ed4-faq-arrow{font-size:10px;color:var(--g400);flex-shrink:0;margin-top:3px;transition:transform .2s}
.ed4-faq-q[aria-expanded="true"] .ed4-faq-arrow{transform:rotate(180deg);color:var(--navy)}

/* Answer panel */
.ed4-faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .2s}
.ed4-faq-a.open{max-height:900px}
.ed4-faq-a-inner{padding:4px 16px 14px 48px;font-size:12px;color:var(--g600);line-height:1.75;border-top:1px solid var(--g200);background:var(--g50)}

/* Answer inline elements */
.ed4-faq-a-inner strong{color:var(--navy)}
.ed4-faq-a-inner .hi-g{color:var(--green);font-weight:700}
.ed4-faq-a-inner .hi-r{color:var(--red);font-weight:700}
.ed4-faq-a-inner .hi-a{color:var(--amber);font-weight:700}
.ed4-faq-a-inner .hi-n{color:var(--navy);font-weight:700}
.ed4-faq-a-inner .hi-p{color:var(--purple);font-weight:700}

/* Inline answer table */
.ed4-ans-tbl{width:100%;border-collapse:collapse;font-size:11px;margin:8px 0 4px}
.ed4-ans-tbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;padding:6px 10px;text-align:left;border:1px solid var(--g200)}
.ed4-ans-tbl td{padding:6px 10px;border:1px solid var(--g200);vertical-align:top;line-height:1.5}
.ed4-ans-tbl tr:nth-child(even) td{background:#fff}
.ed4-ans-tbl td.g{color:var(--green);font-family:'Montserrat',sans-serif;font-weight:800}
.ed4-ans-tbl td.r{color:var(--red);font-family:'Montserrat',sans-serif;font-weight:800}
.ed4-ans-tbl td.a{color:var(--amber);font-family:'Montserrat',sans-serif;font-weight:800}
.ed4-ans-tbl td.b{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}

/* Inline answer note */
.ed4-ans-note{background:var(--navy-xl);border-left:3px solid var(--navy);padding:7px 10px;border-radius:0 var(--r) var(--r) 0;font-size:11px;color:var(--navy);margin:8px 0 4px;line-height:1.5}
.ed4-ans-note.g{background:var(--green-l);border-left-color:var(--green);color:#065f46}
.ed4-ans-note.a{background:var(--amber-l);border-left-color:var(--amber);color:#92400e}
.ed4-ans-note.r{background:var(--red-l);border-left-color:var(--red);color:var(--red)}

/* ── Responsive ──────────────────────────────────────────────── */
@media(max-width:600px){
  .ed4-faq-a-inner{padding-left:16px}
  .ed4-ans-tbl{font-size:10px}
}

/* ── Layout ─────────────────────────────────────────────────── */
.ed5-wrap{max-width:1120px;margin:0 auto;padding:0 16px 60px}

/* ── Divider ─────────────────────────────────────────────────── */
.ed5-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed5-divider-line{flex:1;height:1px;background:var(--g200)}
.ed5-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── Category label row ──────────────────────────────────────── */
.ed5-cat{display:flex;align-items:center;gap:10px;margin:20px 0 10px}
.ed5-cat-ico{width:28px;height:28px;border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0}
.ed5-cat-ico.navy{background:var(--navy-xl)}
.ed5-cat-ico.green{background:var(--green-l)}
.ed5-cat-ico.amber{background:var(--amber-l)}
.ed5-cat-ico.red{background:var(--red-l)}
.ed5-cat-ico.purple{background:#ede9fe}
.ed5-cat-title{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px}
.ed5-cat-title.navy{color:var(--navy)}
.ed5-cat-title.green{color:var(--green)}
.ed5-cat-title.amber{color:#92400e}
.ed5-cat-title.red{color:var(--red)}
.ed5-cat-title.purple{color:var(--purple)}
.ed5-cat-line{flex:1;height:1px;background:var(--g200)}

/* ── Calculator card grid ────────────────────────────────────── */
.ed5-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:4px}

/* ── Single calc card ────────────────────────────────────────── */
.ed5-card{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:0;overflow:hidden;text-decoration:none;display:flex;flex-direction:column;transition:box-shadow .18s,transform .18s;position:relative}
.ed5-card:hover{box-shadow:var(--sh);transform:translateY(-2px);border-color:var(--navy)}
.ed5-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.ed5-card.navy::before{background:var(--navy)}
.ed5-card.green::before{background:var(--green)}
.ed5-card.amber::before{background:var(--amber)}
.ed5-card.red::before{background:var(--red)}
.ed5-card.purple::before{background:var(--purple)}

/* Featured card (wider) */
.ed5-card-feat{grid-column:span 2}

/* ── Card inner ──────────────────────────────────────────────── */
.ed5-card-top{padding:12px 14px 8px;flex:1}
.ed5-card-ico-row{display:flex;align-items:center;gap:8px;margin-bottom:6px}
.ed5-card-emoji{font-size:18px;line-height:1}
.ed5-card-tag{font-family:'Montserrat',sans-serif;font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:2px 6px;border-radius:999px}
.ed5-card.navy .ed5-card-tag{background:var(--navy-xl);color:var(--navy)}
.ed5-card.green .ed5-card-tag{background:var(--green-l);color:var(--green)}
.ed5-card.amber .ed5-card-tag{background:var(--amber-l);color:#92400e}
.ed5-card.red .ed5-card-tag{background:var(--red-l);color:var(--red)}
.ed5-card.purple .ed5-card-tag{background:#ede9fe;color:var(--purple)}

.ed5-card-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);line-height:1.35;margin-bottom:4px}
.ed5-card-desc{font-size:10px;color:var(--g500);line-height:1.55}

/* ── Card footer link ────────────────────────────────────────── */
.ed5-card-foot{padding:8px 14px;border-top:1px solid var(--g200);display:flex;align-items:center;justify-content:space-between;background:var(--g50)}
.ed5-card-foot-url{font-size:9px;color:var(--g400);font-family:'Montserrat',sans-serif;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:80%}
.ed5-card-foot-arrow{font-size:11px;color:var(--navy);flex-shrink:0}

/* ── "All calculators" CTA band ──────────────────────────────── */
.ed5-all-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 60%,#1a4fc4 100%);border-radius:var(--rl);padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:18px}
.ed5-all-band-left .ed5-all-ttl{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:900;color:#fff;margin-bottom:3px}
.ed5-all-band-left .ed5-all-sub{font-size:11px;color:rgba(255,255,255,.6);line-height:1.5}
.ed5-all-btn{background:#fff;color:var(--navy);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;letter-spacing:.3px;padding:10px 20px;border-radius:var(--r);text-decoration:none;white-space:nowrap;border:none;cursor:pointer;transition:background .15s,color .15s;display:inline-flex;align-items:center;gap:6px;flex-shrink:0}
.ed5-all-btn:hover{background:var(--navy-xl)}

/* ── Responsive ──────────────────────────────────────────────── */
@media(max-width:760px){
  .ed5-grid{grid-template-columns:repeat(2,1fr)}
  .ed5-card-feat{grid-column:span 2}
}
@media(max-width:520px){
  .ed5-grid{grid-template-columns:1fr}
  .ed5-card-feat{grid-column:unset}
  .ed5-all-band{flex-direction:column;align-items:flex-start}
}

/* ── Layout ─────────────────────────────────────────────────── */
.ed6-wrap{max-width:1120px;margin:0 auto;padding:0 16px 80px}

/* ── Divider ─────────────────────────────────────────────────── */
.ed6-divider{display:flex;align-items:center;gap:12px;margin:36px 0 20px}
.ed6-divider-line{flex:1;height:1px;background:var(--g200)}
.ed6-divider-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;color:var(--g400);white-space:nowrap}

/* ── Two-column layout ───────────────────────────────────────── */
.ed6-cols{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}

/* ── Authority link card ─────────────────────────────────────── */
.ed6-auth-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:14px}
.ed6-auth-card{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:12px 14px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:box-shadow .18s,transform .18s;position:relative;overflow:hidden}
.ed6-auth-card:hover{box-shadow:var(--sh);transform:translateY(-2px);border-color:var(--navy)}
.ed6-auth-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.ed6-auth-card.sba::before{background:var(--green)}
.ed6-auth-card.fdic::before{background:var(--navy)}
.ed6-auth-card.cfpb::before{background:var(--amber)}
.ed6-auth-card.irs::before{background:var(--red)}
.ed6-auth-card.fannie::before{background:var(--navy)}
.ed6-auth-card.hud::before{background:var(--purple)}

.ed6-auth-row{display:flex;align-items:center;gap:8px}
.ed6-auth-badge{font-size:18px;line-height:1}
.ed6-auth-agency{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:2px 6px;border-radius:999px}
.ed6-auth-card.sba .ed6-auth-agency{background:var(--green-l);color:var(--green)}
.ed6-auth-card.fdic .ed6-auth-agency{background:var(--navy-xl);color:var(--navy)}
.ed6-auth-card.cfpb .ed6-auth-agency{background:var(--amber-l);color:#92400e}
.ed6-auth-card.irs .ed6-auth-agency{background:var(--red-l);color:var(--red)}
.ed6-auth-card.fannie .ed6-auth-agency{background:var(--navy-xl);color:var(--navy)}
.ed6-auth-card.hud .ed6-auth-agency{background:#ede9fe;color:var(--purple)}

.ed6-auth-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);line-height:1.3}
.ed6-auth-desc{font-size:10px;color:var(--g500);line-height:1.5}
.ed6-auth-foot{display:flex;align-items:center;justify-content:space-between;padding-top:6px;border-top:1px solid var(--g200);margin-top:auto}
.ed6-auth-url{font-size:9px;color:var(--g400);font-family:'Montserrat',sans-serif;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:85%}
.ed6-auth-arrow{font-size:10px;color:var(--navy);flex-shrink:0}

/* ── Disclaimer box ──────────────────────────────────────────── */
.ed6-disclaimer{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:16px 18px;font-size:11px;color:var(--g600);line-height:1.75}
.ed6-disclaimer strong{color:var(--navy)}
.ed6-disclaimer h3{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin:0 0 8px;display:flex;align-items:center;gap:6px}

/* ── Transparency block ──────────────────────────────────────── */
.ed6-transp{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px 18px}
.ed6-transp h3{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin:0 0 10px;display:flex;align-items:center;gap:6px}

/* ── Transparency rows ───────────────────────────────────────── */
.ed6-tr-rows{display:flex;flex-direction:column;gap:8px}
.ed6-tr-row{display:flex;align-items:flex-start;gap:10px;font-size:11px;color:var(--g600);line-height:1.6}
.ed6-tr-ico{font-size:14px;flex-shrink:0;margin-top:1px}
.ed6-tr-row strong{color:var(--navy)}

/* ── Privacy strip ───────────────────────────────────────────── */
.ed6-privacy{background:var(--navy-d);border-radius:var(--r);padding:14px 18px;display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-top:14px}
.ed6-privacy-icon{font-size:22px;flex-shrink:0}
.ed6-privacy-text{font-size:11px;color:rgba(255,255,255,.75);line-height:1.6;flex:1}
.ed6-privacy-text strong{color:#fff}
.ed6-privacy-links{display:flex;gap:10px;flex-wrap:wrap;flex-shrink:0}
.ed6-privacy-link{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;color:rgba(255,255,255,.6);text-decoration:none;letter-spacing:.3px;padding:4px 8px;border:1px solid rgba(255,255,255,.2);border-radius:4px;white-space:nowrap;transition:color .15s,border-color .15s}
.ed6-privacy-link:hover{color:#fff;border-color:rgba(255,255,255,.5)}

/* ── Copyright footer ────────────────────────────────────────── */
.ed6-copyright{text-align:center;padding:16px 0 0;font-size:10px;color:var(--g400);font-family:'Montserrat',sans-serif;letter-spacing:.3px}
.ed6-copyright a{color:var(--navy);text-decoration:none}
.ed6-copyright a:hover{text-decoration:underline}

/* ── Responsive ──────────────────────────────────────────────── */
@media(max-width:760px){
  .ed6-auth-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .ed6-cols{grid-template-columns:1fr}
  .ed6-auth-grid{grid-template-columns:1fr}
  .ed6-privacy{flex-direction:column;align-items:flex-start}
}
/* =========================================================
   📱 MOBILE CONTAINMENT FIX
   ========================================================= */
html, body {
  max-width: 100vw !important;
  overflow-x: hidden !important;
  width: 100% !important;
  margin: 0 !important;
  padding: 0 !important;
}

/* Force main wrappers to respect screen width */
.wrap, .ed6-content-wrap, .card, .mgrid, .igrid, #results {
  min-width: 0 !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow-x: hidden !important;
}

/* Ensure tables scroll instead of stretching the screen */
.table-wrapper {
  min-width: 0 !important;
  width: 100% !important;
  overflow-x: auto !important;
  -webkit-overflow-scrolling: touch !important;
}

@media screen and (max-width: 768px) {
  .igrid, .mgrid, .dual-box {
    grid-template-columns: 1fr !important;
  }
}

/* =========================================================
   🧨 LENDER BENCHMARK MOBILE FIX
   ========================================================= */
.ed1-lender-card.bridge {
  grid-column: 1 / -1 !important;
}