.naic {font-size:var(--body)}.workspace{max-width:1280px;margin:auto;padding:34px var(--outer-gutter) 85px}.workspace-heading{display:flex;justify-content:space-between;align-items:center;gap:16px}.workspace-heading h1{margin:0 0 8px}.workspace-heading p,.scope,.draft{color:var(--muted)}.stage{font-size:var(--label);border:1px solid var(--border);padding:6px 10px;white-space:nowrap}.totals{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--border);margin:24px 0}.totals>div{padding:16px 20px;border-right:1px solid var(--border)}.totals>div:first-child{padding-left:0}.totals>div:last-child{border:0}.totals span{display:block;font-size:var(--label);color:var(--muted)}.totals strong{display:block;font-size:var(--section);font-weight:700;font-variant-numeric:tabular-nums}.toolbar{display:flex;gap:8px;flex-wrap:wrap}.naic button{border:1px solid var(--border);background:white;color:var(--ink);padding:9px 13px;border-radius:3px;font-size:var(--label);min-height:var(--button-height)}.naic button.primary{background:var(--accent);color:white;border-color:var(--accent)}.naic button:hover{filter:brightness(.94)}.naic :focus-visible{outline:2px solid var(--accent);outline-offset:3px}.draft{font-size:var(--label)}#message{font-size:var(--label);color:#833b20;overflow-wrap:anywhere}.position{margin:16px 0;border:1px solid var(--border);border-radius:4px}.position-main{display:grid;grid-template-columns:1.1fr 1.3fr .75fr 1fr auto;gap:12px;padding:16px;align-items:end}.naic label{display:flex;flex-direction:column;gap:5px;font-size:var(--label);min-width:0}.naic input,.naic select{width:100%;min-width:0;min-height:var(--button-height);border:1px solid #a6b2ac;border-radius:3px;background:white;padding:8px;color:var(--ink);font-size:var(--body)}.row-status{padding:0 16px 12px;margin:0;font-size:var(--label);color:#78401e}.row-status.ready{color:var(--accent)}.position details{background:var(--surface);padding:0 16px;border-top:1px solid var(--border)}.position summary{font-size:var(--label)}.evidence{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;padding-bottom:16px}.field-note{font-size:var(--label);color:var(--muted);grid-column:1/-1;margin:0}.help{margin-top:28px;border-top:1px solid var(--border)}.help-body{max-width:900px;padding-bottom:16px}.help-body p{font-size:var(--body)}.empty{padding:32px;border:1px dashed var(--border);margin-top:20px}.remove{align-self:end}.naic [hidden]{display:none!important}@media(max-width:850px){.position-main{grid-template-columns:1fr 1fr}.position-main label:first-child{grid-column:1/-1}.evidence{grid-template-columns:1fr 1fr}.remove{justify-self:start}.workspace-heading{align-items:start;flex-direction:column}.totals strong{font-size:var(--section)}}@media(max-width:480px){.workspace{padding:34px var(--outer-gutter) 85px}.position-main,.evidence{grid-template-columns:1fr}.totals{grid-template-columns:1fr}.totals>div{padding:10px 0;border:0;display:flex;justify-content:space-between;align-items:center}.totals strong{font-size:var(--body)}}
.calculation-summary{display:grid;grid-template-columns:1fr 1fr;gap:16px 24px;padding:20px;margin:20px 0;background:var(--surface);border-left:3px solid var(--accent)}.calculation-summary span,.charge-grid span{display:block;color:var(--muted);font-size:var(--label)}.calculation-summary strong{display:block;font-size:var(--section);font-weight:700;font-variant-numeric:tabular-nums}.calculation-summary p{font-size:var(--label);margin:4px 0}.calculation-limit{grid-column:1/-1}.row-calculation{padding:12px 16px;border-top:1px solid var(--border);font-size:var(--label)}.charge-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.charge-grid strong{display:block;font-size:var(--body);font-weight:700;overflow-wrap:anywhere}.trace{color:var(--muted);font-size:var(--label);overflow-wrap:anywhere}@media(max-width:700px){.charge-grid{grid-template-columns:1fr 1fr}.calculation-summary{grid-template-columns:1fr}.calculation-summary strong{font-size:var(--section)}}
.mode-switch{margin:20px 0}.mode-switch [aria-pressed=true]{background:var(--accent);color:white}.impact-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0}.impact-fields .full{grid-column:1/-1}.naic textarea{font:inherit;border:1px solid #a6b2ac;padding:10px;max-width:100%;width:100%;resize:vertical}.impact-table{min-width:580px}.impact-table th,.impact-table td{padding:10px;text-align:left}.impact-table th span{display:block;font-weight:400;font-size:var(--label);color:var(--muted)}.impact-table input{min-width:130px}#impact-trace{white-space:pre-wrap;overflow-wrap:anywhere;font:var(--label)/1.7 monospace}#impact-errors{font-size:var(--label);color:#78401e}#impact-reconcile{font-size:var(--label)}@media(max-width:700px){.impact-fields{grid-template-columns:1fr 1fr}}@media(max-width:480px){.impact-fields{grid-template-columns:1fr}}
/* Calculator layout: preserve the research site's green, white and charcoal palette. */
.naic{line-height:var(--body-line)}.naic h2{font-size:var(--section);line-height:var(--section-line);margin:32px 0 12px}.naic .pane-heading{margin:0 0 16px;font-size:var(--section);line-height:var(--section-line)}.workspace{max-width:1440px}.workspace-heading p{margin-bottom:0}.mode-switch{border-bottom:1px solid var(--border);padding:12px 0;background:var(--paper);gap:4px;z-index:9}.mode-switch button{border:0;border-radius:0;padding:11px 18px;font-weight:700}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(320px,1fr);gap:28px;align-items:start;margin-top:24px}.input-pane,.result-pane{min-width:0}.result-pane{padding:20px;background:var(--surface);border:1px solid var(--border);border-radius:4px}.result-pane .calculation-summary{margin:0 0 20px;padding:0 0 16px;border-left:0;border-bottom:1px solid var(--border);grid-template-columns:1fr}.result-pane .calculation-summary strong{font-size:var(--section);overflow-wrap:anywhere}.result-pane .help{margin:16px 0}.result-pane .impact-table{min-width:0;font-size:var(--label)}.result-pane .impact-table th,.result-pane .impact-table td{padding:8px 5px;overflow-wrap:anywhere}.position-main{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.position-main label:first-child{grid-column:1/-1}.evidence{grid-template-columns:1fr 1fr}.section-links{display:flex;flex-wrap:wrap;gap:8px 20px;margin:20px 0;border-bottom:1px solid var(--border);padding-bottom:12px;font-size:var(--label)}.section-links a{text-decoration:none}.section-links a:hover{text-decoration:underline}.validation-panel{padding:0 12px;background:white;border:1px solid var(--border);margin:0 0 16px}.validation-panel summary{font-size:var(--label);font-weight:700}.validation-panel p{font-size:var(--label);line-height:1.7}.naic button:disabled{opacity:.55;cursor:not-allowed}.naic .toolbar>input,.naic .toolbar>select{width:auto;flex:1 1 200px;max-width:420px}.naic .impact-fields{grid-template-columns:repeat(2,minmax(0,1fr))}.naic .impact-table td{font-variant-numeric:tabular-nums}.naic .impact-table th{font-weight:700}.naic .impact-table thead th{font-weight:700;background:var(--surface)}.naic [id]{scroll-margin-top:145px}.row-calculation>p{overflow-wrap:anywhere}.naic .scope{max-width:960px}.naic .table-wrap{max-width:100%}.naic .toolbar button{min-height:var(--button-height)}.naic .field-note{line-height:var(--body-line)}
@media(min-width:1000px){.mode-switch{position:sticky;top:var(--header-height)}.result-pane{position:sticky;top:calc(var(--header-height) + 75px);max-height:calc(100vh - 160px);overflow:auto}}
@media(max-width:1100px){.calculator-layout{grid-template-columns:minmax(0,1fr)}.result-pane .calculation-summary{grid-template-columns:1fr 1fr}.position-main{grid-template-columns:1fr 1fr 1fr}.position-main label:first-child{grid-column:auto}.evidence{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:700px){.position-main,.evidence{grid-template-columns:1fr 1fr}.position-main label:first-child{grid-column:1/-1}.naic .impact-table{min-width:0}.naic .impact-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}.naic .impact-table,.naic .impact-table tbody{display:block;width:100%}.naic .impact-table tr{display:block;border:1px solid var(--border);padding:12px;margin:0 0 12px;background:white}.naic .impact-table th{display:block;padding:0 0 8px;text-align:left;border:0}.naic .impact-table td{display:grid;grid-template-columns:minmax(100px,.85fr) minmax(0,1.15fr);align-items:center;gap:12px;padding:8px 0;border:0;border-top:1px solid var(--border);text-align:right}.naic .impact-table td::before{content:attr(data-column-label);text-align:left;font-size:var(--label);color:var(--muted)}.naic .impact-table input{min-width:0;text-align:right}.mode-switch button{flex:1 1 auto;font-size:var(--label);padding:10px}.result-pane{padding:16px}.naic .impact-table td button{justify-self:end}.naic h2{scroll-margin-top:85px}}
@media(max-width:480px){.position-main,.evidence,.naic .impact-fields{grid-template-columns:1fr}.result-pane .calculation-summary{grid-template-columns:1fr}.charge-grid{gap:16px}.mode-switch{gap:4px}.mode-switch button{flex-basis:100%;text-align:left}.naic [id]{scroll-margin-top:85px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.naic .workspace-heading { align-items: start; }
.naic .workspace-heading > div, .naic .totals > div { min-width: 0; }
.naic .totals strong, .naic .calculation-summary strong { font-size: var(--section); line-height: var(--section-line); overflow-wrap: anywhere; }
.naic .stage { white-space: normal; font-size: var(--label); line-height: 1.5; }
.naic input, .naic select, .naic textarea { font-size: var(--body); line-height: var(--body-line); }
.naic button, .naic label, .naic .section-links { line-height: 1.5; }
.naic .help-body p, .naic .validation-panel p { font-size: var(--body); line-height: var(--body-line); }
.naic .impact-table, .naic .impact-table td { font-size: var(--label); line-height: var(--table-line); }
.naic .impact-table th, .naic .impact-table th span { font-size: var(--label); line-height: var(--table-line); }
@media (max-width: 1100px) { .naic .workspace-heading { align-items: start; flex-direction: column; } }

/* Collateral loans use the same position card, with four inputs and a year comparison. */
.collateral-fields{display:grid;grid-column:1/-1;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.position-main .collateral-fields label:first-child{grid-column:auto}
.collateral-ratios{display:flex;flex-wrap:wrap;gap:12px 28px;padding:2px 0 14px;font-variant-numeric:tabular-nums}
.collateral-ratios span{color:var(--muted)}.collateral-ratios strong{color:var(--ink);margin-left:6px}
.naic .collateral-comparison{min-width:0;width:100%;table-layout:fixed;margin:0;font-size:var(--label)}
.collateral-comparison caption{text-align:left;font-size:var(--label);font-weight:700;padding:0 0 10px;color:var(--ink)}
.naic .collateral-comparison th,.naic .collateral-comparison td{padding:10px 6px;overflow-wrap:anywhere;vertical-align:top}
.naic .collateral-comparison td{text-align:right;font-variant-numeric:tabular-nums}
.collateral-increase{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;padding:12px;background:var(--surface);border-left:3px solid var(--accent);font-variant-numeric:tabular-nums}
.collateral-increase strong{overflow-wrap:anywhere}.collateral-notice{padding:10px 12px;border-left:3px solid #8b602b;background:#faf7f0;color:#654315;font-size:var(--label)}
.naic .subtotal-heading{font-size:var(--body);line-height:1.5;margin:0 0 12px}
.collateral-summary{padding:18px 0;margin:0 0 18px;border-bottom:1px solid var(--border)}
.collateral-totals{margin:0}.collateral-totals>div{padding:8px 0}.collateral-totals dt{font-size:var(--label);color:var(--muted)}
.collateral-totals dd{margin:2px 0 0;font-size:var(--section);font-weight:700;line-height:var(--section-line);overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
@media(max-width:700px){.naic .collateral-comparison td{text-align:right}.naic .collateral-comparison caption{display:block}.naic .collateral-comparison tr{padding:10px}.naic .collateral-comparison th{padding:0 0 8px}.naic .collateral-comparison td{padding:8px 0}.collateral-increase{align-items:start}}
@media(max-width:480px){.collateral-fields{grid-template-columns:1fr}.collateral-ratios{gap:10px 20px}}
.collateral-stress-body,.collateral-calculation-body{padding-bottom:16px;font-size:var(--label);overflow-wrap:anywhere}
.collateral-stress-body>label{max-width:300px;margin-bottom:8px}
.collateral-calculation-body p{font-size:var(--label);line-height:1.7}
.paydown-result{padding:14px;border:1px solid var(--border);background:white;margin:14px 0}
.paydown-result h4{font-size:var(--body);line-height:1.5;margin:0 0 8px}
.paydown-result>strong{display:block;font-size:var(--section);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.paydown-result p{font-size:var(--label);line-height:1.7;margin:8px 0 0}

/* Keep the insurer bridge optional and its review values readable at narrow widths. */
.collateral-bridge{padding-bottom:18px;overflow-wrap:anywhere}
.collateral-bridge>p,.collateral-bridge summary{font-size:var(--label);line-height:1.7}
.naic .bridge-confirm{display:flex;flex-direction:row;align-items:flex-start;gap:10px}
.naic .bridge-confirm input{width:20px;min-width:20px;min-height:20px;height:20px;margin:3px 0 0;flex:0 0 20px}
.bridge-values{margin:0;padding:12px;background:var(--surface);border-left:3px solid var(--accent)}
.bridge-values>div{display:grid;grid-template-columns:minmax(0,1fr) minmax(100px,auto);gap:12px;padding:8px 0;border-bottom:1px solid var(--border)}
.bridge-values>div:last-child{border:0}.bridge-values dt,.bridge-values dd{font-size:var(--label);line-height:1.6;margin:0}
.bridge-values dd{text-align:right;font-weight:700;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
@media(max-width:480px){.bridge-values>div{grid-template-columns:minmax(0,1fr)}.bridge-values dd{text-align:left}}