/* =====================================================================
   Wisercent — shared stylesheet
   Plain CSS3, no frameworks. Mobile-first, responsive, print-friendly.
   ===================================================================== */

:root {
  --brand: #0b63e5;          /* primary trust-blue */
  --brand-dark: #084bb0;
  --brand-light: #e8f0fe;
  --green: #0e9f6e;          /* money-green accent for positive results */
  --ink: #16233a;            /* headings / body text */
  --muted: #5b6b82;          /* secondary text */
  --line: #e3e8f0;           /* borders */
  --bg: #f6f8fb;             /* page background */
  --card: #ffffff;
  --radius: 14px;
  --shadow: 0 2px 12px rgba(16, 35, 58, 0.08);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Inter,
          "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 1rem;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; }

a { color: var(--brand); }
a:hover { color: var(--brand-dark); }

h1, h2, h3 { line-height: 1.25; letter-spacing: -0.01em; }
h1 { font-size: 2rem; margin: 0.4rem 0 0.5rem; }
h2 { font-size: 1.45rem; margin: 2.5rem 0 0.8rem; }
h3 { font-size: 1.1rem; margin: 1.4rem 0 0.5rem; }

.container { max-width: 1120px; margin: 0 auto; padding: 0 1.1rem; }

/* ---------------- Header ---------------- */
.site-header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 1px 6px rgba(16, 35, 58, 0.05);
}

.header-bar {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: 0.7rem;
  padding-bottom: 0.7rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  margin-right: auto;
  line-height: 1.15;
}

.brand-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 50%;
  background: #103050;
  color: #d0a010;
  font-weight: 800;
  font-size: 1.25rem;
  box-shadow: 0 2px 8px rgba(16, 48, 80, 0.35), inset 0 0 0 2px rgba(208, 160, 16, 0.35);
  flex: 0 0 auto;
}

.brand-text { display: inline-flex; flex-direction: column; }

.brand-name {
  font-weight: 800;
  font-size: 1.3rem;
  letter-spacing: -0.01em;
}
.brand-wiser { color: #103050; }
.brand-cent { color: #b8860b; }

.brand-tagline {
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--muted);
  white-space: nowrap;
}
@media (max-width: 400px) { .brand-tagline { display: none; } }

.main-nav { display: flex; gap: 0.25rem; }
.main-nav a {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  padding: 0.45rem 0.8rem;
  border-radius: 0.55rem;
}
.main-nav a:hover { background: var(--brand-light); color: var(--brand-dark); }

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 0.55rem;
  font-size: 1.25rem;
  padding: 0.3rem 0.7rem;
  cursor: pointer;
  color: var(--ink);
}

/* Calculator switcher — animated icon tiles */
.switcher {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  padding-top: 0.15rem;
  padding-bottom: 0.7rem;
  flex-wrap: wrap;
}

.switcher-label {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  white-space: nowrap;
}

.pills { display: flex; gap: 0.55rem; flex-wrap: wrap; }

.pills a {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--ink);
  background: var(--card);
  border: 1px solid var(--line);
  padding: 0.4rem 0.95rem 0.4rem 0.45rem;
  border-radius: 1rem;
  box-shadow: var(--shadow);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease, background 0.18s ease;
  animation: pill-in 0.45s cubic-bezier(0.2, 0.7, 0.3, 1.15) backwards;
}
.pills a:nth-child(1) { animation-delay: 0.02s; }
.pills a:nth-child(2) { animation-delay: 0.07s; }
.pills a:nth-child(3) { animation-delay: 0.12s; }
.pills a:nth-child(4) { animation-delay: 0.17s; }
.pills a:nth-child(5) { animation-delay: 0.22s; }
.pills a:nth-child(6) { animation-delay: 0.27s; }

.pill-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.1rem;
  height: 2.1rem;
  font-size: 1.15rem;
  border-radius: 0.7rem;
  background: linear-gradient(135deg, #2f7ff0, #0b63e5);
  box-shadow: 0 2px 6px rgba(11, 99, 229, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.25);
  transition: transform 0.18s ease;
  flex: 0 0 auto;
}
.pill-label { white-space: nowrap; }

.pills a:hover {
  transform: translateY(-3px);
  border-color: var(--brand);
  box-shadow: 0 8px 18px rgba(11, 99, 229, 0.18);
}
.pills a:hover .pill-icon { transform: scale(1.14) rotate(-8deg); }
.pills a:active { transform: translateY(-1px); }

.pills a.active {
  background: linear-gradient(135deg, var(--brand), var(--brand-dark));
  border-color: var(--brand-dark);
  color: #fff;
  box-shadow: 0 6px 16px rgba(11, 99, 229, 0.35);
}
.pills a.active .pill-icon {
  background: rgba(255, 255, 255, 0.16);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.4);
}

@keyframes pill-in {
  from { opacity: 0; transform: translateY(10px) scale(0.96); }
  to { opacity: 1; transform: none; }
}

@media (prefers-reduced-motion: reduce) {
  .pills a { animation: none; transition: none; }
  .pills a:hover { transform: none; }
  .pills a:hover .pill-icon { transform: none; }
}

/* ---------------- Breadcrumbs ---------------- */
.breadcrumbs { padding: 1rem 0 0; font-size: 0.9rem; color: var(--muted); }
.breadcrumbs ol { list-style: none; display: flex; gap: 0.5rem; margin: 0; padding: 0; flex-wrap: wrap; }
.breadcrumbs li + li::before { content: "›"; margin-right: 0.5rem; color: #9aa7bb; }
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--brand); }

/* ---------------- Layout with sidebar ---------------- */
.layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
  padding-top: 0.5rem;
  padding-bottom: 2.5rem;
}
@media (min-width: 1024px) {
  .layout { grid-template-columns: minmax(0, 1fr) 300px; align-items: start; }
}
.sidebar { display: flex; flex-direction: column; gap: 1.5rem; }
@media (min-width: 1024px) {
  .sidebar { position: sticky; top: 9.5rem; }
}

/* ---------------- Ad slots (AdSense placeholders) ---------------- */
.ad-slot {
  border: 2px dashed #c6d2e2;
  background: #f1f5fb;
  border-radius: var(--radius);
  min-height: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #93a3bb;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  text-align: center;
  padding: 1.25rem;
}
.ad-slot.sidebar-ad { min-height: 600px; }
.ad-slot.inline-ad { margin: 2rem 0; }
.ad-slot.leaderboard { min-height: 110px; }

/* ---------------- Calculator widget ---------------- */
.subtitle { color: var(--muted); font-size: 1.08rem; margin-top: 0; max-width: 46rem; }

.calc-widget {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.4rem;
  margin: 1.5rem 0 0;
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.6rem;
}
@media (min-width: 900px) {
  .calc-grid { grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); }
}

.calc-form fieldset {
  border: 0;
  padding: 0;
  margin: 0 0 1rem;
  display: grid;
  gap: 0.85rem;
}
.calc-form legend {
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  padding: 0;
  margin-bottom: 0.35rem;
}

.field label { display: block; font-weight: 600; font-size: 0.92rem; margin-bottom: 0.28rem; }
.field .hint { display: block; font-weight: 400; font-size: 0.8rem; color: var(--muted); margin-top: 0.22rem; }

.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .prefix,
.input-wrap .suffix {
  position: absolute;
  color: var(--muted);
  font-weight: 600;
  pointer-events: none;
}
.input-wrap .prefix { left: 0.85rem; }
.input-wrap .suffix { right: 0.85rem; }
.input-wrap input, .field select, .field input {
  width: 100%;
  font: inherit;
  padding: 0.62rem 0.85rem;
  border: 1px solid #c9d3e0;
  border-radius: 0.6rem;
  background: #fff;
  color: var(--ink);
}
.input-wrap input { padding-left: 1.9rem; }
.input-wrap input.has-suffix { padding-right: 2.4rem; }
.field select { cursor: pointer; }
.field input:focus, .field select:focus {
  outline: 2px solid var(--brand);
  outline-offset: 1px;
  border-color: var(--brand);
}

.form-actions { display: flex; gap: 0.6rem; flex-wrap: wrap; margin-top: 0.4rem; }

.btn {
  font: inherit;
  font-weight: 700;
  border-radius: 0.6rem;
  padding: 0.65rem 1.4rem;
  cursor: pointer;
  border: 1px solid transparent;
}
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-dark); }
.btn-ghost { background: #fff; border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { border-color: var(--brand); color: var(--brand-dark); }

.form-error {
  display: none;
  background: #fdecea;
  color: #9b1c1c;
  border: 1px solid #f5c6c2;
  border-radius: 0.6rem;
  padding: 0.6rem 0.9rem;
  font-size: 0.9rem;
  margin-bottom: 0.8rem;
}
.form-error.show { display: block; }

/* ---------------- Results ---------------- */
.calc-results { min-width: 0; }

.result-headline {
  background: linear-gradient(135deg, var(--brand) 0%, #1e7ef2 100%);
  color: #fff;
  border-radius: var(--radius);
  padding: 1.2rem 1.4rem;
  margin-bottom: 1.1rem;
}
.result-headline .rh-label { font-size: 0.85rem; opacity: 0.92; font-weight: 600; }
.result-headline .rh-value {
  font-size: 2.15rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0.1rem 0;
}
.result-headline .rh-sub { font-size: 0.88rem; opacity: 0.92; }

.breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem; margin-bottom: 1.1rem; }
.breakdown .bd-item {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: 0.7rem;
  padding: 0.75rem 0.9rem;
}
.bd-item .bd-label { font-size: 0.78rem; color: var(--muted); font-weight: 600; }
.bd-item .bd-value { font-size: 1.08rem; font-weight: 800; }

.chart-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.1rem;
  margin-bottom: 1.1rem;
  background: #fff;
}
.chart-flex { display: flex; align-items: center; gap: 1.2rem; flex-wrap: wrap; }
.donut-wrap { flex: 0 0 auto; }
.chart-legend { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.45rem; font-size: 0.9rem; }
.chart-legend li { display: flex; align-items: center; gap: 0.55rem; }
.chart-legend .swatch { width: 0.9rem; height: 0.9rem; border-radius: 0.25rem; flex: 0 0 auto; }
.chart-legend .lg-val { margin-left: auto; font-weight: 700; padding-left: 1rem; }

details.amort {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  margin-top: 0.4rem;
}
details.amort summary {
  cursor: pointer;
  font-weight: 700;
  padding: 0.9rem 1.1rem;
  list-style: none;
}
details.amort summary::-webkit-details-marker { display: none; }
details.amort summary::before { content: "▸"; color: var(--brand); margin-right: 0.5rem; }
details.amort[open] summary::before { content: "▾"; }

.table-scroll { overflow-x: auto; padding: 0 1.1rem 1.1rem; }
table.data {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
table.data caption { text-align: left; font-weight: 700; padding-bottom: 0.5rem; }
table.data th, table.data td {
  text-align: right;
  padding: 0.5rem 0.7rem;
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}
table.data th:first-child, table.data td:first-child { text-align: left; }
table.data thead th {
  background: var(--bg);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
  position: sticky;
  top: 0;
}
table.data tbody tr:nth-child(even) { background: #fafcfe; }
table.data tfoot td { font-weight: 800; border-top: 2px solid var(--line); }

.tax-note {
  font-size: 0.82rem;
  color: var(--muted);
  background: var(--brand-light);
  border-left: 4px solid var(--brand);
  border-radius: 0 0.5rem 0.5rem 0;
  padding: 0.7rem 1rem;
  margin: 1.1rem 0 0;
}

/* ---------------- Article content ---------------- */
.article-body { max-width: 46rem; }
.article-body p { margin: 0.9rem 0; }
.article-body ul, .article-body ol { padding-left: 1.4rem; }
.article-body li { margin: 0.35rem 0; }
.article-body code {
  background: #eef2f7;
  border: 1px solid var(--line);
  border-radius: 0.35rem;
  padding: 0.08rem 0.4rem;
  font-size: 0.88em;
}
.formula-box {
  background: #f0f4f9;
  border: 1px solid var(--line);
  border-radius: 0.7rem;
  padding: 1rem 1.2rem;
  font-size: 0.95rem;
  overflow-x: auto;
  margin: 1rem 0;
}
.formula-box code { background: none; border: 0; padding: 0; }

.tips { display: grid; gap: 0.8rem; margin: 1rem 0; }
.tip {
  background: var(--card);
  border: 1px solid var(--line);
  border-left: 4px solid var(--green);
  border-radius: 0.6rem;
  padding: 0.85rem 1rem;
}
.tip strong { display: block; margin-bottom: 0.15rem; }

/* ---------------- FAQ ---------------- */
.faq { max-width: 46rem; }
.faq details {
  border: 1px solid var(--line);
  border-radius: 0.7rem;
  background: var(--card);
  margin-bottom: 0.7rem;
}
.faq summary { cursor: pointer; font-weight: 700; padding: 0.9rem 1.1rem; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before { content: "+"; color: var(--brand); font-weight: 800; margin-right: 0.6rem; }
.faq details[open] summary::before { content: "−"; }
.faq .faq-answer { padding: 0 1.1rem 1rem; color: var(--ink); }
.faq .faq-answer p { margin: 0.4rem 0; }

/* ---------------- Cards / homepage ---------------- */
.hero {
  text-align: center;
  padding: 3.2rem 0 2.2rem;
}
.hero h1 { font-size: 2.5rem; margin-bottom: 0.6rem; }
.hero p.lead { color: var(--muted); font-size: 1.15rem; max-width: 40rem; margin: 0 auto 1.6rem; }
.hero-badges { display: flex; gap: 0.6rem; justify-content: center; flex-wrap: wrap; }
.hero-badges span {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.35rem 0.9rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--muted);
}

.section-title { text-align: center; margin-top: 1rem; }
.section-sub { text-align: center; color: var(--muted); max-width: 42rem; margin: 0 auto 1.6rem; }

.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.1rem;
  padding-bottom: 1rem;
}
@media (min-width: 640px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .card-grid { grid-template-columns: 1fr 1fr 1fr; } }

.calc-card {
  display: block;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow);
  transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
.calc-card:hover { transform: translateY(-3px); box-shadow: 0 6px 20px rgba(16,35,58,0.12); border-color: var(--brand); }
.calc-card .card-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3.2rem;
  height: 3.2rem;
  font-size: 1.7rem;
  border-radius: 1rem;
  background: linear-gradient(135deg, var(--brand-light), #d9e8fd);
  box-shadow: inset 0 0 0 1px rgba(11, 99, 229, 0.14), 0 3px 8px rgba(11, 99, 229, 0.12);
  transition: transform 0.2s ease;
}
.calc-card:hover .card-icon { transform: scale(1.1) rotate(-6deg); }
.calc-card h3 { margin: 0.6rem 0 0.35rem; color: var(--ink); }
.calc-card p { margin: 0; color: var(--muted); font-size: 0.93rem; }
.calc-card .card-cta { display: inline-block; margin-top: 0.8rem; font-weight: 700; color: var(--brand); font-size: 0.9rem; }

.trust { display: grid; gap: 1rem; grid-template-columns: 1fr; padding: 1rem 0 2.5rem; }
@media (min-width: 760px) { .trust { grid-template-columns: 1fr 1fr 1fr; } }
.trust-item { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem; }
.trust-item h3 { margin-top: 0; font-size: 1.02rem; }
.trust-item p { color: var(--muted); font-size: 0.93rem; margin-bottom: 0; }

/* ---------------- Footer ---------------- */
.site-footer {
  background: #101a2e;
  color: #c3cede;
  padding: 2.2rem 0 1.6rem;
  margin-top: 1rem;
  font-size: 0.92rem;
}
.footer-nav { display: flex; flex-wrap: wrap; gap: 0.4rem 1.2rem; margin-bottom: 1rem; }
.footer-nav a { color: #e8eef8; text-decoration: none; }
.footer-nav a:hover { text-decoration: underline; }
.site-footer .fine { color: #93a3bb; font-size: 0.84rem; max-width: 60rem; }
.site-footer .copy { color: #93a3bb; font-size: 0.84rem; }

/* ---------------- Cookie banner ---------------- */
.cookie-banner {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  max-width: 40rem;
  margin: 0 auto;
  background: #101a2e;
  color: #e8eef8;
  border-radius: var(--radius);
  padding: 1.1rem 1.3rem;
  box-shadow: 0 8px 30px rgba(0,0,0,0.35);
  z-index: 100;
  display: flex;
  gap: 1rem;
  align-items: center;
  flex-wrap: wrap;
}
.cookie-banner p { margin: 0; font-size: 0.88rem; flex: 1 1 16rem; }
.cookie-banner a { color: #9dc0ff; }
.cookie-banner[hidden] { display: none; }
.cookie-actions { display: flex; gap: 0.6rem; }
.cookie-banner .btn-ghost {
  background: transparent;
  border-color: rgba(232, 238, 248, 0.45);
  color: #e8eef8;
}
.cookie-banner .btn-ghost:hover { background: rgba(255, 255, 255, 0.08); border-color: #e8eef8; color: #fff; }

/* Guides / articles */
.byline { color: var(--muted); font-size: 0.88rem; margin: -0.5rem 0 1.5rem; }
.guide-cta {
  background: linear-gradient(135deg, #103050 0%, #1c3f6e 100%);
  color: #eef3fb;
  border-radius: var(--radius);
  padding: 1.4rem 1.6rem;
  margin: 2rem 0;
}
.guide-cta h3 { margin: 0 0 0.4rem; color: #fff; }
.guide-cta p { margin: 0 0 1rem; color: #c4d2e8; }
.guide-cta .btn-primary { background: #d0a010; color: #103050; }
.guide-cta .btn-primary:hover { background: #e3b62a; }
.guide-list { display: grid; gap: 1.1rem; margin: 1.5rem 0; }
.guide-card {
  display: block;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.2rem 1.4rem;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.2s, transform 0.2s;
}
.guide-card:hover { box-shadow: 0 6px 22px rgba(16, 48, 80, 0.12); transform: translateY(-2px); }
.guide-card h3 { margin: 0 0 0.35rem; color: var(--brand-dark); }
.guide-card p { margin: 0; color: var(--muted); font-size: 0.93rem; }
.guide-card .guide-meta { display: block; margin-top: 0.5rem; font-size: 0.8rem; color: var(--muted); }
.related-box { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.1rem 1.3rem; margin-top: 1.2rem; }
.related-box h3 { margin: 0 0 0.6rem; font-size: 1rem; }
.related-box ul { margin: 0; padding-left: 1.1rem; }
.related-box li { margin-bottom: 0.45rem; font-size: 0.92rem; }

/* ---------------- Contact form ---------------- */
.contact-form { max-width: 38rem; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); }
.contact-form .field { margin-bottom: 1rem; }

/* ---------------- Utilities ---------------- */
.page-intro { max-width: 46rem; }
.mt-0 { margin-top: 0; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ---------------- Responsive tweaks ---------------- */
@media (max-width: 767px) {
  .switcher-label { width: 100%; }
  .pills {
    flex-wrap: nowrap;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: thin;
    scroll-snap-type: x proximity;
    margin: 0 -1.1rem;
    padding: 0.15rem 1.1rem 0.45rem;
  }
  .pills a { flex: 0 0 auto; scroll-snap-align: start; animation: none; }
  .menu-toggle { display: inline-block; }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--card);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    padding: 0.6rem 1.1rem 1rem;
  }
  .main-nav.open { display: flex; }
  h1 { font-size: 1.7rem; }
  .hero h1 { font-size: 2rem; }
  .result-headline .rh-value { font-size: 1.8rem; }
  .breakdown { grid-template-columns: 1fr 1fr; }
  .calc-widget { padding: 1.1rem; }
  .header-bar { position: relative; }
}

/* ---------------- Print ---------------- */
@media print {
  .no-print, .site-header, .site-footer, .ad-slot, .cookie-banner,
  .form-actions, .switcher, .related, .faq, .article-body, .breadcrumbs,
  details.amort summary { display: none !important; }
  body { background: #fff; }
  .calc-widget { box-shadow: none; border: 1px solid #999; }
  .calc-grid { grid-template-columns: 1fr; }
  details.amort { display: block !important; }
  .table-scroll { overflow: visible; }
}