/* FFFS calculators */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:26px}
.calc h2{font-size:1.25rem;margin-bottom:4px}
.calc .sub{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.cgroup{background:var(--soft);border-radius:14px;padding:18px;margin-bottom:16px}
.cgroup>h3{font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:12px;font-weight:700}
.calc input[type=number],.calc input[type=date],.calc select,.gate input{width:100%;padding:11px 12px;border:1px solid #CBD6E6;border-radius:10px;font:inherit;font-size:.98rem;background:#fff;color:var(--ink)}
.calc input:focus,.calc select:focus{outline:2px solid var(--blue);outline-offset:0;border-color:var(--blue)}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.calc .fg{margin-bottom:12px}.calc .fg:last-child{margin-bottom:0}
.hint{font-size:.8rem;color:var(--muted);margin-top:4px;display:block;line-height:1.4}
.exs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px;align-items:center}
.exs b{font-size:.85rem;color:var(--muted);margin-right:4px}
.exs button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 13px;font:inherit;font-size:.85rem;font-weight:600;color:var(--navy);cursor:pointer}
.exs button:hover,.exs button.on{background:var(--ice);border-color:var(--blue)}
.cats{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}
.cats label{cursor:pointer}.cats input{position:absolute;opacity:0;pointer-events:none}
.cats span{display:block;text-align:center;padding:10px 6px;border:1px solid #CBD6E6;border-radius:10px;background:#fff;font-size:.86rem;font-weight:700;color:var(--navy);line-height:1.25}
.cats span small{display:block;font-weight:500;color:var(--muted);font-size:.74rem;margin-top:2px}
.cats input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}.cats input:checked+span small{color:#C9D6EE}
.cats input:focus-visible+span{outline:2px solid var(--blue)}
.prow{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:12px;padding:12px;margin-bottom:10px;display:grid;gap:10px}
.prow.single{border-left-color:var(--gold)}
.prow .top{display:flex;justify-content:space-between;align-items:center;gap:8px}
.prow .tag{font-size:.75rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--blue)}
.prow.single .tag{color:#9A7300}
.prow .del{border:0;background:#FFF0F0;color:var(--red);border-radius:8px;padding:6px 10px;font:inherit;font-size:.8rem;font-weight:700;cursor:pointer}
.prow .g{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.prow label{font-size:.78rem;font-weight:700;color:var(--muted);display:block;margin-bottom:4px}
.prow .chk{display:flex;gap:6px;align-items:center;font-size:.82rem;font-weight:600;color:var(--ink);margin:0}
.prow .chk input{width:auto}
.prow .extra{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;background:var(--soft);padding:10px;border-radius:10px}
.prow .s4{display:none}.calc.m4 .prow .s4{display:block}
.addrow{display:flex;gap:10px;flex-wrap:wrap}
.addrow button{flex:1;min-width:180px;border:1.5px dashed #AFC2DF;background:#fff;border-radius:12px;padding:12px;font:inherit;font-weight:700;color:var(--navy);cursor:pointer}
.addrow button small{display:block;font-weight:500;color:var(--muted);font-size:.78rem}
.go{width:100%;justify-content:center;font-size:1.05rem;padding:15px}
.cerr{display:none;background:#FFF0F0;color:var(--red-d);border-radius:10px;padding:10px 14px;font-weight:600;font-size:.92rem;margin:0 0 12px}.cerr.show{display:block}
.m4only,.tulonly{display:none}.calc.m4 .m4only,.calc.tul .tulonly{display:block}
/* results */
.res{display:none;margin-top:26px}.res.show{display:block}
.hero-r{background:linear-gradient(130deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--r);padding:26px;display:grid;grid-template-columns:1.1fr 1fr;gap:20px;align-items:center}
.hero-r .k{font-size:.82rem;color:#C9D6EE;font-weight:600;letter-spacing:.03em}
.hero-r .big{font-size:clamp(2.4rem,6vw,3.4rem);font-weight:800;color:var(--gold);line-height:1.05;margin:4px 0}
.hero-r .note{font-size:.85rem;color:#DCE5F5}
.hero-r .side2{display:grid;gap:10px}
.hero-r .mini{background:rgba(255,255,255,.08);border-radius:12px;padding:12px 14px}
.hero-r .mini b{display:block;font-size:1.25rem;color:#fff}
.hero-r .mini span{font-size:.8rem;color:#C9D6EE}
.badge{display:inline-flex;align-items:center;gap:6px;padding:6px 12px;border-radius:999px;font-size:.82rem;font-weight:800;margin-top:6px}
.badge.free{background:#E5F6EC;color:#16723F}.badge.tax{background:#FFF0F0;color:var(--red-d)}.badge.chk{background:var(--gold-soft);color:#8A6500}
.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:16px 0}
.metric{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px}
.metric .l{font-size:.78rem;color:var(--muted);font-weight:700}
.metric .v{font-size:1.2rem;font-weight:800;color:var(--navy);margin:2px 0}
.metric .s{font-size:.76rem;color:var(--muted)}
.taxbox{border-radius:14px;padding:14px 16px;font-size:.92rem;line-height:1.55;margin-bottom:16px;border:1px solid}
.taxbox.free{background:#F2FBF5;border-color:#BFE5CD}.taxbox.tax{background:#FFF7F8;border-color:#F4C7CE}.taxbox.chk{background:var(--gold-soft);border-color:#F0D88E}
.taxbox ul{margin:6px 0 0 18px}
.rsec{border:1px solid var(--line);border-radius:14px;margin-bottom:12px;background:#fff;overflow:hidden}
.rsec>summary{padding:15px 18px;font-weight:800;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:10px}
.rsec>summary::-webkit-details-marker{display:none}
.rsec>summary:after{content:'+';font-size:1.3rem;line-height:1;color:var(--blue)}
.rsec[open]>summary:after{content:'–'}
.rsec .in{padding:0 18px 18px}
.tw{overflow:auto;max-height:420px;border:1px solid var(--line);border-radius:10px}
table.ct{width:100%;border-collapse:collapse;font-size:.88rem;font-variant-numeric:tabular-nums}
table.ct th{background:var(--navy);color:#fff;font-weight:700;text-align:right;padding:9px 10px;position:sticky;top:0;white-space:nowrap}
table.ct th:first-child,table.ct td:first-child{text-align:left}
table.ct td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
table.ct tr:nth-child(even) td{background:#F8FAFE}
table.ct tr.me td{background:var(--gold-soft)!important;font-weight:800}
table.ct td.neg{color:var(--red-d)}table.ct td.pos{color:#16723F}
.small{font-size:.8rem;color:var(--muted);margin-top:8px;line-height:1.45}
.interp .langs{display:flex;gap:8px;margin-bottom:12px;flex-wrap:wrap}
.interp .langs button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;font:inherit;font-weight:700;font-size:.88rem;color:var(--navy);cursor:pointer}
.interp .langs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.interp .txt p{margin-bottom:10px;line-height:1.65;font-family:var(--f),'Noto Sans Devanagari','Noto Sans Gujarati','Noto Sans Bengali','Noto Sans Tamil','Noto Sans Telugu','Noto Sans Kannada','Noto Sans Malayalam',sans-serif}
.ract{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:16px}
.ract .btn{justify-content:center}
.discl{font-size:.8rem;color:var(--muted);line-height:1.5;margin-top:14px}
/* tabs for PV/FV */
.ttabs{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:18px}
.ttabs button{border:1px solid var(--line);background:#fff;border-radius:12px;padding:12px 8px;font:inherit;font-weight:700;font-size:.85rem;color:var(--navy);cursor:pointer;line-height:1.3}
.ttabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
/* gate */
.gate{position:fixed;inset:0;background:rgba(11,26,51,.6);z-index:120;display:none;align-items:center;justify-content:center;padding:16px}
.gate.open{display:flex}
.gate .gbox{background:#fff;border-radius:20px;max-width:440px;width:100%;padding:26px;position:relative;max-height:92vh;overflow:auto}
.gate h3{font-size:1.2rem;margin-bottom:6px}.gate p{font-size:.9rem;margin-bottom:14px}
.gate .x{position:absolute;right:12px;top:10px;border:0;background:none;font-size:1.6rem;cursor:pointer;color:var(--muted)}
.gate .fg{margin-bottom:12px}
.gate label.consent{display:flex;gap:8px;font-size:.84rem;align-items:flex-start;margin:6px 0 12px}
.gate label.consent input{width:auto;margin-top:3px}
@media(max-width:900px){
 .cats{grid-template-columns:repeat(3,1fr)}.metrics{grid-template-columns:repeat(2,1fr)}
 .hero-r{grid-template-columns:1fr}.ttabs{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
 .calc{padding:16px}.cgroup{padding:14px}
 .row3,.row2c{grid-template-columns:1fr 1fr}.prow .g{grid-template-columns:1fr 1fr}.prow .extra{grid-template-columns:1fr 1fr}
 .cats{grid-template-columns:repeat(2,1fr)}.ract{grid-template-columns:1fr}.metric .v{font-size:1.05rem}
}
/* print report */
#rpt{display:none}
@media print{
 @page{size:A4;margin:12mm}
 body.printing>*:not(#rpt){display:none!important}
 body.printing #rpt{display:block!important}
 body.printing{background:#fff}
 #rpt *{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}
#rpt{font-family:var(--f),'Noto Sans Devanagari','Noto Sans Gujarati','Noto Sans Bengali','Noto Sans Tamil','Noto Sans Telugu','Noto Sans Kannada','Noto Sans Malayalam',sans-serif;color:#0F1E36;font-size:11.5pt}
#rpt .wm{position:fixed;inset:0;display:flex;align-items:center;justify-content:center;pointer-events:none;z-index:0}
#rpt .wm span{transform:rotate(-32deg);font-size:30pt;font-weight:800;color:rgba(11,42,91,.06);white-space:nowrap}
#rpt .rh{background:#0B2A5B;color:#fff;border-radius:10px;padding:14px 16px;display:flex;align-items:center;gap:14px;position:relative;z-index:1}
#rpt .rh .lg{background:#D4A017;color:#0B2A5B;font-weight:800;border-radius:8px;padding:8px 10px;font-size:13pt}
#rpt .rh img{width:54px;height:54px;border-radius:50%;object-fit:cover;border:2px solid #D4A017;margin-left:auto}
#rpt .rh b{font-size:13pt;display:block}#rpt .rh small{color:#C9D6EE;font-size:9pt}
#rpt h1{font-size:16pt;color:#0B2A5B;margin:14px 0 2px;position:relative;z-index:1}
#rpt .meta{font-size:9pt;color:#55657F;margin-bottom:10px}
#rpt h2{font-size:12pt;color:#0B2A5B;margin:14px 0 6px;border-bottom:2px solid #D4A017;padding-bottom:3px;position:relative;z-index:1}
#rpt .kp{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;position:relative;z-index:1}
#rpt .kp div{border:1px solid #E2E9F4;border-radius:8px;padding:8px}
#rpt .kp div.hl{background:#0B2A5B;color:#fff}#rpt .kp div.hl b{color:#D4A017}
#rpt .kp b{display:block;font-size:13pt}#rpt .kp span{font-size:8.5pt;color:inherit;opacity:.8}
#rpt table{width:100%;border-collapse:collapse;font-size:9pt;position:relative;z-index:1}
#rpt th{background:#0B2A5B;color:#fff;padding:5px 6px;text-align:right}#rpt th:first-child,#rpt td:first-child{text-align:left}
#rpt td{padding:4px 6px;border-bottom:1px solid #E2E9F4;text-align:right}
#rpt tr{break-inside:avoid}
#rpt p{margin:0 0 7px;line-height:1.5;position:relative;z-index:1}
#rpt ul{margin:0 0 6px 16px;font-size:9.5pt}
#rpt .rf{margin-top:14px;border-top:1px solid #E2E9F4;padding-top:8px;font-size:8pt;color:#55657F}
.calc.m4 .a8:after{content:' at 8%'}
#irrApp,#pvApp{min-width:0}
.prow .g,.prow .extra{grid-template-columns:repeat(auto-fit,minmax(118px,1fr))}.calc .row2{grid-template-columns:repeat(auto-fit,minmax(150px,1fr))}
.prow .g>*,.prow .extra>*,.calc .row2>*{min-width:0}
.calc input,.calc select{min-width:0;max-width:100%;box-sizing:border-box}
.cats label{position:relative}.cats input{left:0;top:0;width:1px;height:1px}
.inflbar{display:flex;gap:14px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:12px 16px;margin-bottom:16px}
.inflbar b{display:block;color:var(--navy);font-size:.95rem}.inflbar span{font-size:.8rem;color:var(--muted)}
.inflbar .ib{display:flex;gap:6px;flex-wrap:wrap;align-items:center}
.inflbar .ib button{border:1px solid #CBD6E6;background:#fff;border-radius:999px;padding:6px 12px;font:inherit;font-size:.85rem;font-weight:700;color:var(--navy);cursor:pointer}
.inflbar .ib button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.inflbar .ib input{width:92px;padding:6px 10px;border:1px solid #CBD6E6;border-radius:999px;font:inherit;font-size:.85rem}
.ttabs .tgl{grid-column:1/-1;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-top:4px}
#reinvSec tbody tr{cursor:pointer}
.sub4{font-size:.95rem;color:var(--navy);margin:16px 0 0}
#rpt .edu{font-size:9pt;font-weight:700;color:#8A6500;background:#FFF5DA;border-radius:6px;padding:5px 8px;margin-bottom:6px;position:relative;z-index:1}
#rpt .rfoot{display:flex;align-items:center;gap:14px;border:1px solid #E2E9F4;border-radius:10px;padding:10px 12px;margin-top:14px;break-inside:avoid;position:relative;z-index:1}
#rpt .rfoot .ph{width:62px;height:62px;border-radius:50%;object-fit:cover;border:2px solid #D4A017}
#rpt .rfoot .who{flex:1;display:flex;flex-direction:column;font-size:9pt;color:#55657F}#rpt .rfoot .who b{font-size:12pt;color:#0B2A5B}
#rpt .rfoot .qr{text-align:center;width:92px}#rpt .rfoot .qr img{width:78px;height:78px;display:block;margin:0 auto 3px}#rpt .rfoot .qr span{font-size:7.5pt;color:#0B2A5B;font-weight:700;line-height:1.2;display:block}
#rpt h4.sub4{font-size:10.5pt}
.ttabs button small{display:block;font-weight:500;font-size:.75rem;opacity:.75;margin-top:2px}.ttabs .tgl span{font-weight:600;letter-spacing:0;text-transform:none;margin-left:6px}
#advFields .fg{align-content:end;margin-bottom:0}

.langs{flex-wrap:wrap}
@media(max-width:640px){.interp .langs{gap:6px}.interp .langs button{padding:6px 11px;font-size:.82rem}}
.fhint{display:block;font-size:.76rem;color:var(--muted);line-height:1.35;margin-top:2px;font-weight:500}
.howc{margin:4px 0 14px;border:1px solid var(--line);border-radius:12px;padding:10px 14px;background:#F7F9FD}
.howc summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:.9rem}
.howc p{font-size:.88rem;margin:10px 0 8px;line-height:1.6;color:var(--ink)}
.howr{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:.86rem;font-weight:600;color:var(--navy)}
.howr select{padding:6px 10px;border-radius:8px;border:1px solid var(--line);font:inherit}