:root{
    --bg:#0f1419; --panel:#1a2129; --panel2:#212a33; --line:#2e3a45;
    --ink:#e6edf3; --muted:#9aa7b2; --accent:#46c08d; --accent2:#3b9ae1;
    --warn:#e0a64a; --bad:#e0635a; --good:#46c08d;
  }
  *{box-sizing:border-box}
  body{margin:0;background:var(--bg);color:var(--ink);font:14px/1.5 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
  header{padding:22px 28px;background:linear-gradient(90deg,#16321f,#0f1419);border-bottom:1px solid var(--line)}
  h1{margin:0;font-size:22px;letter-spacing:.3px}
  h1 span{color:var(--accent)}
  .sub{color:var(--muted);font-size:13px;margin-top:4px}
  main{padding:24px 28px;max-width:1320px;margin:0 auto}
  h2{font-size:15px;text-transform:uppercase;letter-spacing:1px;color:var(--accent);border-bottom:1px solid var(--line);padding-bottom:7px;margin:34px 0 16px}
  .panel{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:18px 20px}
  /* assumptions grid */
  .grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px}
  .field label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);margin-bottom:4px}
  .field input,.field select{width:100%;background:var(--panel2);border:1px solid var(--line);color:var(--ink);border-radius:7px;padding:8px 9px;font-size:14px}
  .field input:focus{outline:1px solid var(--accent)}
  .hint{font-size:11px;color:var(--muted);margin-top:3px}
  .toggle{display:flex;gap:8px;align-items:center;margin:6px 0}
  /* summary cards */
  .cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
  .card{background:var(--panel);border:1px solid var(--line);border-radius:10px;overflow:hidden}
  .card .top{padding:14px 16px;background:var(--panel2);border-bottom:1px solid var(--line)}
  .card .top .tier{font-size:18px;font-weight:700}
  .card .top .rp{color:var(--muted);font-size:12px}
  .card .body{padding:14px 16px}
  .row{display:flex;justify-content:space-between;padding:5px 0;border-bottom:1px dashed var(--line);font-size:13px}
  .row:last-child{border-bottom:none}
  .row .k{color:var(--muted)}
  .row .v{font-variant-numeric:tabular-nums;font-weight:600}
  .pos{color:var(--good)} .neg{color:var(--bad)}
  .pill{display:inline-block;font-size:10px;padding:2px 8px;border-radius:20px;background:#16321f;color:var(--accent);border:1px solid #1f4a2e;margin-left:6px}
  /* tables */
  table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:12.5px}
  th,td{padding:7px 9px;text-align:right;border-bottom:1px solid var(--line)}
  th:first-child,td:first-child{text-align:left}
  thead th{color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.5px;position:sticky;top:0;background:var(--panel)}
  tbody tr:hover{background:var(--panel2)}
  tr.repay td{background:#2a2016;color:var(--warn);font-weight:600}
  tr.total td{background:var(--panel2);font-weight:700;border-top:2px solid var(--line)}
  .tabbar{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:14px}
  .tab{padding:7px 14px;border:1px solid var(--line);border-radius:7px;background:var(--panel);cursor:pointer;font-size:13px;color:var(--muted)}
  .tab.active{background:var(--accent);color:#06130c;border-color:var(--accent);font-weight:700}
  .opttoggle{display:inline-flex;border:1px solid var(--line);border-radius:8px;overflow:hidden;margin-bottom:14px}
  .opttoggle button{padding:8px 16px;background:var(--panel);border:none;color:var(--muted);cursor:pointer;font-size:13px}
  .opttoggle button.active{background:var(--accent2);color:#04121f;font-weight:700}
  .notes{font-size:13px;color:var(--muted)}
  .notes li{margin:6px 0}
  .flag{color:var(--warn)}
  .tablewrap{overflow:auto;border:1px solid var(--line);border-radius:10px;max-height:560px}
  .mini{font-size:11px;color:var(--muted);font-weight:400}
  .cols2{display:grid;gap:24px}
  /* source-doc bar + gallery */
  .docbar{display:flex;align-items:center;gap:14px;margin:34px 0 10px;padding-top:20px;border-top:1px solid var(--line)}
  .docbtn{padding:11px 20px;background:var(--accent2);color:#04121f;border:none;border-radius:8px;font-size:14px;font-weight:700;cursor:pointer}
  .docbtn:hover{filter:brightness(1.1)}
  .gallery{position:fixed;inset:0;z-index:1000;display:none}
  .gallery.open{display:block}
  .gbackdrop{position:absolute;inset:0;background:rgba(0,0,0,.82)}
  .gbox{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:48px 70px}
  #gimg{max-width:100%;max-height:calc(100vh - 130px);object-fit:contain;border-radius:8px;background:#fff;box-shadow:0 10px 40px rgba(0,0,0,.6)}
  .gclose{position:absolute;top:18px;right:24px;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--panel);color:var(--ink);font-size:26px;line-height:1;cursor:pointer;z-index:2}
  .gnav{position:absolute;top:50%;transform:translateY(-50%);width:52px;height:72px;border:1px solid var(--line);background:rgba(26,33,41,.85);color:var(--ink);font-size:34px;cursor:pointer;border-radius:10px;z-index:2}
  .gnav:hover{background:var(--accent2);color:#04121f}
  .gprev{left:16px} .gnext{right:16px}
  .gcap{position:absolute;bottom:20px;left:0;right:0;text-align:center;color:var(--ink);font-size:13px;background:rgba(0,0,0,.4);padding:8px;backdrop-filter:blur(2px)}
  #gcount{color:var(--accent);font-weight:700}

  /* ---- text modal (Introduction) ---- */
  .modal{position:fixed;inset:0;z-index:1000;display:none}
  .modal.open{display:block}
  .mbackdrop{position:absolute;inset:0;background:rgba(0,0,0,.82)}
  .mbox{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:min(760px,92vw);max-height:88vh;overflow-y:auto;background:var(--panel);border:1px solid var(--line);border-radius:12px;padding:28px 34px;box-shadow:0 20px 60px rgba(0,0,0,.6)}
  .mclose{position:absolute;top:14px;right:16px;width:38px;height:38px;border-radius:50%;border:1px solid var(--line);background:var(--panel2);color:var(--ink);font-size:24px;line-height:1;cursor:pointer}
  .mbody{font-size:14px;line-height:1.65;color:var(--ink)}
  .mbody h3{color:var(--accent);font-size:14px;text-transform:uppercase;letter-spacing:.5px;margin:20px 0 6px}
  .mbody p{margin:8px 0;color:var(--muted)}
  .mbody b{color:var(--ink)}
  /* on-screen executive summary */
  .mbody .sumdoc h1{font-size:19px;margin:0 0 4px;color:var(--ink)}
  .mbody .sumdoc h2{font-size:13px;margin:18px 0 6px}
  .mbody .sumdoc .meta{font-size:11px;color:var(--muted);margin-bottom:8px}
  .mbody .sumdoc .g{color:var(--accent);font-style:italic}
  .mbody .sumdoc .note{font-size:11px;color:var(--muted)}
  .mbody table.kv td{border:none;padding:2px 10px 2px 0;text-align:left;color:var(--muted)}
  .mbody table.mtx{font-variant-numeric:tabular-nums}
  .mbody table.mtx th,.mbody table.mtx td{border:1px solid var(--line);padding:6px 8px;text-align:right}
  .mbody table.mtx th:first-child,.mbody table.mtx td:first-child{text-align:left}
  .mbody table.mtx thead th{background:var(--panel2);position:static}

  /* ---- footer ---- */
  footer{margin-top:40px;border-top:1px solid var(--line);background:var(--panel);padding:18px 28px;display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:10px;font-size:12.5px;color:var(--muted)}
  footer .fitem{display:flex;align-items:center;gap:6px}
  footer .fitem b{color:var(--ink);font-weight:600}
  footer .fdot{color:var(--accent)}

  /* ---- mobile responsive ---- */
  @media (max-width: 820px){
    .cols2{grid-template-columns:1fr !important}
  }
  @media (max-width: 640px){
    header{padding:16px 16px}
    h1{font-size:18px}
    .sub{font-size:12px}
    main{padding:16px 14px}
    h2{font-size:13px;margin:26px 0 12px}
    .panel{padding:14px 13px}
    .grid{grid-template-columns:1fr 1fr;gap:10px}            /* two compact columns of inputs */
    .field input,.field select{padding:9px 8px;font-size:16px} /* 16px avoids iOS zoom-on-focus */
    .cards{grid-template-columns:1fr;gap:12px}
    /* let wide tables scroll horizontally instead of squashing */
    .cols2 > div{overflow-x:auto}
    table{font-size:12px}
    th,td{padding:6px 7px}
    .tablewrap{max-height:none}
    .opttoggle{display:flex;width:100%}
    .opttoggle button{flex:1;padding:10px 6px;font-size:12px}
    .tab{padding:8px 12px}
    .docbar{flex-direction:column;align-items:flex-start;gap:8px}
    .docbtn{width:100%;text-align:center}
    /* gallery: shrink chrome, move arrows to bottom corners for thumb reach */
    .gbox{padding:54px 8px 70px}
    #gimg{max-height:calc(100vh - 150px)}
    .gnav{top:auto;bottom:16px;transform:none;width:46px;height:46px;font-size:26px}
    .gprev{left:12px} .gnext{right:12px}
    .gclose{top:12px;right:12px}
    .mbox{padding:20px 18px}
    footer{flex-direction:column;align-items:flex-start;padding:16px 14px;gap:6px}
  }
  @media (max-width: 380px){
    .grid{grid-template-columns:1fr}
  }