/* Carrowmont Mortgage Decision Centre MDC1A - 2026-10-12 */
.decision-hero{padding:38px 0 34px;background:linear-gradient(180deg,#f3faf8,#fff)}
.decision-hero .hero-inner{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.55fr);gap:28px;align-items:center}
.decision-hero h1{font-size:clamp(38px,5vw,60px);line-height:1.04;letter-spacing:-2px;margin:0 0 14px;max-width:850px}
.decision-hero .hero-copy{font-size:18px;line-height:1.6;color:var(--muted);max-width:820px;margin:0}
.family-breadcrumb{font-size:13px;margin-bottom:18px}.family-breadcrumb a{text-decoration:none;color:var(--teal-dark);font-weight:850}.family-breadcrumb span{color:#7890a3;margin:0 6px}
.decision-question-card{background:#102945;color:#fff;border-radius:18px;padding:23px;box-shadow:var(--shadow)}.decision-question-card strong{display:block;font-size:22px;line-height:1.25}.decision-question-card p{margin:9px 0 0;color:#d8e5ed;line-height:1.55;font-size:13.5px}
.decision-grid-section{padding:42px 0 58px;background:var(--bg)}
.decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.decision-card{display:grid;grid-template-rows:auto auto 1fr auto;gap:9px;min-width:0;padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff;box-shadow:var(--shadow)}.decision-card .decision-status{justify-self:start;border-radius:999px;padding:5px 9px;background:#e8f7f3;color:var(--teal-dark);font-size:10.5px;font-weight:900;letter-spacing:.35px;text-transform:uppercase}.decision-card.planned .decision-status{background:#f1f4f6;color:#667b8d}.decision-card h2{margin:0;font-size:23px}.decision-card p{margin:0;color:var(--muted);line-height:1.55;font-size:14px}.decision-card .decision-link{margin-top:8px;text-decoration:none;color:var(--teal-dark);font-weight:900}.decision-card .decision-link:hover{text-decoration:underline}.decision-card .decision-learn-link{display:inline-flex;align-items:center;justify-self:start;margin-top:0;color:#526b82;font-size:12.5px;font-weight:800;line-height:1.35;text-decoration:none}.decision-card .decision-learn-link:hover{color:var(--teal-dark);text-decoration:underline}.decision-card.planned{background:#fbfdfe}.decision-card.planned .planned-note{margin-top:8px;color:#6b7d8d;font-weight:800;font-size:12px}
.profile-banner{margin-top:22px;border:1px solid #bcded8;background:#f0faf7;border-radius:14px;padding:15px 16px;display:flex;align-items:center;justify-content:space-between;gap:16px}.profile-banner[hidden]{display:none}.profile-banner strong{display:block;font-size:14px}.profile-banner p{margin:4px 0 0;color:var(--muted);font-size:12.5px;line-height:1.45}.profile-banner-actions{display:flex;gap:8px;flex:0 0 auto}
.decision-principles{padding:48px 0}.principle-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.principle-card{padding:18px;border:1px solid var(--line);border-radius:16px;background:#fff}.principle-card strong{display:block;margin-bottom:7px}.principle-card p{margin:0;color:var(--muted);line-height:1.5;font-size:13px}
/* MDC1A calculator */
.mdc-calculator-shell{padding:34px 0 54px;background:var(--bg)}.mdc-calculator-layout{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(330px,.78fr);gap:22px;align-items:start}.mdc-input-card,.mdc-summary-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);min-width:0}.mdc-input-card{padding:24px}.mdc-summary-column{display:grid;gap:15px;min-width:0}.mdc-summary-card{padding:20px}.mdc-section{padding-top:20px;margin-top:20px;border-top:1px solid #e1e9ed}.mdc-section:first-of-type{padding-top:0;margin-top:0;border-top:0}.mdc-section h3{margin:0 0 5px;font-size:19px}.mdc-section>p{margin:0 0 14px;color:var(--muted);font-size:12.5px;line-height:1.48}.mdc-mode-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}.mdc-mode-btn{border:1px solid #cddbe1;background:#fff;border-radius:11px;padding:12px;min-height:48px;font-weight:850;color:#3c566d;cursor:pointer}.mdc-mode-btn.active{background:#e9f7f4;border-color:#79bdb5;color:var(--teal-dark)}.mdc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.mdc-field{display:grid;gap:6px;min-width:0}.mdc-field.wide{grid-column:1/-1}.mdc-field>span{font-size:13px;font-weight:850;color:#334d66}.mdc-field small{color:#708397;font-size:11.5px;line-height:1.38}.mdc-field input,.mdc-field select{width:100%;min-width:0;max-width:100%;min-height:42px;border:1px solid #cbd9df;border-radius:10px;padding:9px 11px;background:#fff;color:var(--ink)}.mdc-field input:focus,.mdc-field select:focus{outline:3px solid rgba(14,130,122,.12);border-color:#66b8ae}.mdc-money,.mdc-suffix{display:grid;grid-template-columns:auto minmax(0,1fr);align-items:center;border:1px solid #cbd9df;border-radius:10px;background:#fff;overflow:hidden;min-width:0}.mdc-suffix{grid-template-columns:minmax(0,1fr) auto}.mdc-money span,.mdc-suffix span{padding:0 10px;color:#667b8d;font-weight:800}.mdc-money input,.mdc-suffix input{border:0;border-radius:0;outline:0!important;box-shadow:none!important}.mdc-check{display:flex;gap:10px;align-items:flex-start;border:1px solid #dce5e8;border-radius:12px;padding:11px;background:#fbfdfe}.mdc-check input{margin-top:3px}.mdc-check strong{display:block;font-size:12.5px}.mdc-check small{display:block;margin-top:3px;color:var(--muted);font-size:11.5px;line-height:1.35}.mdc-hidden{display:none!important}.mdc-validation{margin-top:16px;padding:12px 14px;border-radius:12px;background:var(--red-bg);border:1px solid #e8baba;color:var(--red);font-size:13px;font-weight:750;line-height:1.5}.mdc-hero-result{background:linear-gradient(145deg,#102945,#17496b);color:#fff}.mdc-hero-result .result-kicker{color:#a6ddd8}.mdc-hero-value{font-size:34px!important;letter-spacing:-.6px}.mdc-results-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));padding:0;overflow:hidden}.mdc-results-grid>div{padding:15px;border-right:1px solid #e1eaed;border-bottom:1px solid #e1eaed;min-width:0}.mdc-results-grid>div:nth-child(2n){border-right:0}.mdc-results-grid>div:nth-last-child(-n+2){border-bottom:0}.mdc-results-grid span{display:block;font-size:10.5px;font-weight:850;color:var(--muted);line-height:1.35}.mdc-results-grid strong{display:block;margin-top:5px;font-size:16px;overflow-wrap:anywhere}.mdc-action-card{display:grid;gap:9px}.mdc-action-card .action-status{min-height:17px}.mdc-result-note{font-size:12.5px;line-height:1.55;color:var(--muted);margin:0}.mdc-uncertainty{border-color:#e7d4a5;background:#fff9ec}.mdc-uncertainty strong{display:block;color:#77561c;margin-bottom:6px}.mdc-uncertainty p{margin:0;color:#6c5d42;font-size:12.5px;line-height:1.5}.comparison-section{padding:48px 0}.comparison-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;background:#fff}.comparison-table{border-collapse:collapse;width:100%;min-width:720px}.comparison-table th,.comparison-table td{padding:13px;border-bottom:1px solid #e3ecef;text-align:left;font-size:12.5px;line-height:1.45}.comparison-table th{background:#f7fafb;color:#385169}.comparison-table td:last-child,.comparison-table th:last-child{text-align:right}.comparison-table tr:last-child td{border-bottom:0}.mdc-value-chart{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}.value-bar-card{border:1px solid var(--line);border-radius:16px;padding:17px;background:#fff;min-width:0}.value-bar-card strong{display:block;font-size:18px}.value-bar-card p{margin:5px 0 12px;color:var(--muted);font-size:12px}.value-bar-track{height:16px;border-radius:999px;background:#e9eff2;overflow:hidden}.value-bar-fill{height:100%;width:0;background:#6c8397;border-radius:999px}.value-bar-card.prepay .value-bar-fill{background:var(--teal)}.value-bar-label{display:flex;justify-content:space-between;gap:10px;margin-top:8px;font-size:11.5px;color:var(--muted)}.methodology-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:20px}.methodology-card{border:1px solid var(--line);border-radius:16px;padding:19px;background:#fff}.methodology-card h3{margin:0 0 8px}.methodology-card p,.methodology-card li{color:var(--muted);font-size:13px;line-height:1.55}.methodology-card ol,.methodology-card ul{padding-left:20px}.decision-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.decision-links a{display:grid;gap:4px;padding:14px;border:1px solid var(--line);border-radius:13px;text-decoration:none}.decision-links strong{color:var(--teal-dark)}.decision-links span{color:var(--muted);font-size:12px;line-height:1.4}
.mdc-profile-banner{margin:0 0 18px}.mdc-profile-summary{font-size:12px;color:var(--muted)}
.mdc-mode-btn:focus-visible,.mdc-field input:focus-visible,.mdc-field select:focus-visible{outline:3px solid rgba(14,130,122,.24);outline-offset:2px}
@media(max-width:980px){.decision-hero .hero-inner,.mdc-calculator-layout,.methodology-grid{grid-template-columns:1fr}.decision-grid{grid-template-columns:1fr 1fr}.principle-grid{grid-template-columns:1fr}.mdc-summary-column{grid-template-columns:1fr 1fr}.mdc-hero-result,.mdc-action-card{grid-column:1/-1}}
@media(max-width:720px){.decision-hero{padding-top:28px}.decision-hero .hero-inner{gap:18px}.decision-hero h1{font-size:39px;letter-spacing:-1.4px}.decision-grid,.mdc-fields,.mdc-mode-grid,.mdc-summary-column,.mdc-value-chart,.decision-links{grid-template-columns:1fr}.profile-banner{align-items:flex-start;flex-direction:column}.profile-banner-actions{width:100%;display:grid;grid-template-columns:1fr 1fr}.mdc-input-card{padding:17px}.mdc-results-grid{grid-template-columns:1fr}.mdc-results-grid>div{border-right:0}.mdc-results-grid>div:nth-last-child(-n+2){border-bottom:1px solid #e1eaed}.mdc-results-grid>div:last-child{border-bottom:0}}
@media(max-width:390px){.decision-hero h1{font-size:35px}.decision-card,.mdc-input-card,.mdc-summary-card{border-radius:15px}.profile-banner-actions{grid-template-columns:1fr}.mdc-field input,.mdc-field select{font-size:16px}.mdc-hero-value{font-size:30px!important}}

/* MDC1B refinance / balance-transfer break-even - 2026-10-14 */
.refi-cost-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:12px 0}.refi-cost-grid>div{min-width:0;padding:10px;border:1px solid #e1eaed;border-radius:11px;background:#fbfdfe}.refi-cost-grid span{display:block;font-size:10.5px;line-height:1.35;color:var(--muted);font-weight:850}.refi-cost-grid strong{display:block;margin-top:4px;font-size:15px;overflow-wrap:anywhere}.refinance-warning{border-color:#e5c77f;background:#fff8e9}.refinance-warning strong{display:block;color:#745317;margin-bottom:6px}.refinance-warning p{margin:0;color:#6b5a3a;font-size:12.5px;line-height:1.5}.refinance-warning.strong-warning{border-color:#e4aaa5;background:#fff2f0}.refinance-warning.strong-warning strong{color:#9b2f27}.refinance-warning.strong-warning p{color:#7c3d38}.refi-comparison-table{min-width:820px}.refi-comparison-table th:not(:first-child),.refi-comparison-table td:not(:first-child){text-align:right}.refi-chart-card{border:1px solid var(--line);border-radius:18px;background:#fff;padding:20px;box-shadow:var(--shadow);min-width:0}.refi-chart-head{display:flex;align-items:flex-start;justify-content:space-between;gap:20px}.refi-chart-head strong{display:block;margin-top:4px;font-size:17px;line-height:1.35}.refi-chart-key{display:flex;flex-wrap:wrap;gap:12px;font-size:11px;color:var(--muted);font-weight:750}.refi-chart-key span{display:flex;align-items:center;gap:6px}.refi-key-line,.refi-key-zero{display:inline-block;width:18px;height:3px;border-radius:999px;background:var(--teal)}.refi-key-zero{background:#94a5b2}.refi-advantage-chart{display:block;width:100%;height:auto;min-height:220px;margin-top:14px;overflow:visible}.refi-chart-summary{margin-top:8px;color:var(--muted);font-size:12px;line-height:1.5}.refi-chart-axis{stroke:#b9c7d0;stroke-width:1}.refi-chart-zero{stroke:#738999;stroke-width:1.3;stroke-dasharray:5 5}.refi-chart-path{fill:none;stroke:#0e827a;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.refi-chart-marker{fill:#0e827a;stroke:#fff;stroke-width:2}.refi-chart-marker.holding{fill:#102945}.refi-chart-label{font:11px Arial,sans-serif;fill:#5e7486}.refi-chart-label.strong{font-weight:700;fill:#20394f}.refi-chart-area{fill:rgba(14,130,122,.08)}
@media(max-width:720px){.refi-cost-grid{grid-template-columns:1fr}.refi-chart-head{display:grid}.refi-chart-key{justify-content:flex-start}.refi-chart-card{padding:14px}.refi-advantage-chart{min-height:190px}}

/* MDC1C Mortgage Rate Rise & Payment Stress Test */
.stress-profile-actions{flex-wrap:wrap}.stress-profile-actions .btn{white-space:nowrap}.stress-override-check{margin-top:14px}.stress-assumption-note{grid-column:1/-1;border:1px solid #dce5e8;border-radius:12px;padding:11px 12px;background:#fbfdfe;display:grid;gap:4px}.stress-assumption-note strong{font-size:12px;color:#334d66}.stress-assumption-note span{font-size:11.5px;line-height:1.45;color:var(--muted)}
.stress-reset-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:12px 0}.stress-reset-grid>div{min-width:0;padding:10px;border:1px solid #e1eaed;border-radius:11px;background:#fbfdfe}.stress-reset-grid span{display:block;font-size:10.5px;line-height:1.35;color:var(--muted);font-weight:850}.stress-reset-grid strong{display:block;margin-top:4px;font-size:15px;overflow-wrap:anywhere}.stress-budget-card[data-state="shortfall"]{border-color:#e4aaa5;background:#fff4f2}.stress-budget-card[data-state="shortfall"]>strong{color:#9b2f27}.stress-budget-card[data-state="surplus"]{border-color:#b9dcd7;background:#f4fbf9}.stress-budget-card[data-state="break-even"]{border-color:#ead7a5;background:#fffaf0}
.stress-table{min-width:940px}.stress-table th:not(:first-child),.stress-table td:not(:first-child){text-align:right}.stress-table tr.custom-row td{background:#eef8f6;font-weight:800}.stress-table tr.baseline-row td{background:#f7fafb}.stress-table-foot{font-size:11.5px;color:var(--muted);margin:9px 2px 0}
.stress-chart-card{border:1px solid var(--line);border-radius:18px;background:#fff;padding:20px;box-shadow:var(--shadow);min-width:0;margin-top:18px}.stress-key-budget{display:inline-block;width:18px;height:3px;border-radius:999px;background:#102945}.stress-payment-chart{display:block;width:100%;height:auto;min-height:230px;margin-top:14px;overflow:visible}.stress-chart-axis{stroke:#b9c7d0;stroke-width:1}.stress-chart-path{fill:none;stroke:#0e827a;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}.stress-chart-point{fill:#0e827a;stroke:#fff;stroke-width:2}.stress-chart-point.custom{fill:#102945}.stress-chart-budget{stroke:#102945;stroke-width:1.6;stroke-dasharray:6 5}.stress-chart-label{font:11px Arial,sans-serif;fill:#5e7486}.stress-chart-label.strong{font-weight:700;fill:#20394f}.stress-chart-grid{stroke:#e5ecef;stroke-width:1}.stress-chart-area{fill:rgba(14,130,122,.07)}
@media(max-width:720px){.stress-reset-grid{grid-template-columns:1fr}.stress-chart-card{padding:14px}.stress-payment-chart{min-height:190px}.stress-profile-actions{width:100%;display:grid;grid-template-columns:1fr}.stress-profile-actions .btn{width:100%}}