@keyframes slideInUp {
      from { opacity: 0; transform: translateY(16px); }
      to { opacity: 1; transform: translateY(0); }
    }
    @keyframes fadeIn {
      from { opacity: 0; }
      to { opacity: 1; }
    }

    .ro-wrap { max-width: 1100px; margin: 0 auto; padding: 32px 24px 60px; }

    /* Clean Banner */
    .ro-banner {
      background: var(--bg-card);
      color: var(--text); padding: 34px 34px; border-radius: 14px; margin-bottom: 32px;
      position: relative; overflow: hidden;
      border: 1px solid var(--border);
      animation: fadeIn 0.6s ease-out;
    }
    .ro-banner::before {
      display: none;
    }
    .ro-banner h1 {
      color: var(--primary); font-size: 2rem; margin-bottom: 12px;
      position: relative; z-index: 1;
      font-weight: 800;
    }
    .ro-banner p {
      opacity: 1; font-size: 1.08rem; max-width: 720px;
      position: relative; z-index: 1;
      color: var(--text-light);
      line-height: 1.7;
    }
    .ro-banner .note {
      display: inline-block; margin-top: 16px;
      background: #f1f6f2; padding: 14px 20px; border-radius: 10px;
      font-size: .92rem; border-left: 4px solid var(--accent);
      backdrop-filter: none;
      position: relative; z-index: 1;
      box-shadow: none;
      color: var(--text);
      line-height: 1.6;
    }
    .ro-banner .note strong {
      color: var(--primary);
    }

    .btn-results-full {
      display: inline-block;
      background: #123f2e; color: #fff;
      padding: 14px 32px; border-radius: 8px;
      font-size: 1.05rem; font-weight: 700;
      text-decoration: none;
      transition: background .2s;
    }
    .btn-results-full:hover { background: #16543a; color: #fff; }

    .ro-layout { display: grid; grid-template-columns: 1fr 360px; gap: 32px; align-items: start; }
    @media (max-width: 960px) { .ro-layout { grid-template-columns: 1fr; } }

    /* Clean Cards with flat styling */
    .ro-card {
      background: #fff; border-radius: 8px; padding: 26px;
      box-shadow: 0 1px 3px rgba(0,0,0,.1); border: 1px solid #e2e8f0;
      transition: border-color 0.2s ease;
      animation: fadeIn 0.5s ease-out;
    }
    .ro-card:hover {
      border-color: #cbd5e1;
    }
    .ro-card + .ro-card { margin-top: 20px; }
    .ro-card h2 { font-size: 1.25rem; margin-bottom: 8px; color: #123f2e; }
    .ro-card h3 { font-size: 1.05rem; margin: 20px 0 10px; color: #123f2e; }
    .ro-card__lead { color: #64748b; font-size: .95rem; margin-bottom: 18px; }

    /* Debt row inputs with neutral alternating backgrounds */
    .debt-row {
      display: grid;
      grid-template-columns: 1.2fr 1.1fr 1fr 0.7fr 0.9fr 40px;
      gap: 8px; align-items: center; margin-bottom: 8px;
      padding: 10px 12px;
      border-radius: 8px;
      transition: background-color 0.2s ease;
    }
    .debt-row:nth-child(odd) { background: #f1f5f9; }
    .debt-row:hover { background: #e2e8f0; }
    .debt-row__hdr {
      display: grid; grid-template-columns: 1.2fr 1.1fr 1fr 0.7fr 0.9fr 40px;
      gap: 8px; padding: 10px 12px 8px; margin-bottom: 6px;
      font-size: .82rem; font-weight: 700; color: #123f2e;
      letter-spacing: .3px;
      border-bottom: 2px solid #e2ecda;
      background: linear-gradient(135deg, rgba(29,107,74,.04), rgba(29,107,74,.08));
      border-radius: 8px 8px 0 0;
    }
    .debt-row__hdr div {
      padding: 2px 0;
    }
    .debt-row input, .debt-row select {
      padding: 10px 12px; border: 1px solid #e2e8f0; border-radius: 6px;
      font-size: .9rem; font-family: inherit; width: 100%;
      transition: all 0.2s ease;
      box-sizing: border-box;
    }
    .debt-row select {
      appearance: auto; cursor: pointer;
      background: #fff;
    }
    .debt-row input:focus, .debt-row select:focus {
      outline: none;
      border-color: #1d6b4a;
      box-shadow: 0 0 0 2px rgba(13, 148, 136, 0.1);
    }
    .debt-row .del-btn {
      background: #fecaca; color: #7f1d1d; border: none; border-radius: 6px;
      height: 40px; font-size: 1.3rem; cursor: pointer; font-weight: 700;
      transition: all 0.2s ease;
    }
    .debt-row .del-btn:hover {
      background: #fca5a5;
    }
    @media (max-width: 900px) {
      .debt-row, .debt-row__hdr { grid-template-columns: 1fr 1fr; }
      .debt-row__hdr { display: none; }
      .debt-row input, .debt-row select { font-size: .88rem; }
      .debt-row input, .debt-row select, .debt-row .del-btn { grid-column: span 1; }
      .debt-row input::placeholder { font-size: .82rem; }
    }

    .add-row-btn {
      margin-top: 10px; background: #fff; color: #1d6b4a;
      border: 1px solid #e2e8f0; padding: 12px; border-radius: 6px;
      font-weight: 600; cursor: pointer; font-family: inherit; width: 100%;
      font-size: .95rem;
      transition: all 0.2s ease;
    }
    .add-row-btn:hover {
      background: #f1f5f9;
      border-color: #1d6b4a;
    }

    /* Clean Strategy Options */
    .strategy-group { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 12px; }
    @media (max-width: 600px) { .strategy-group { grid-template-columns: 1fr; } }
    .strategy-opt {
      padding: 16px; border: 1px solid #e2e8f0; border-radius: 6px;
      cursor: pointer; transition: all 0.2s;
      position: relative;
      background: #fff;
    }
    .strategy-opt:hover {
      border-color: #1d6b4a;
      background: #f8fafc;
    }
    .strategy-opt.active {
      border: 1px solid #1d6b4a;
      background: #f0fdf9;
      color: #123f2e;
    }
    .strategy-opt.active::after {
      content: '✓';
      position: absolute;
      top: 12px; right: 14px;
      font-size: 1.4rem;
      font-weight: 700;
      color: #1d6b4a;
    }
    .strategy-opt__title {
      font-weight: 700; color: #123f2e; margin-bottom: 4px;
    }
    .strategy-opt.active .strategy-opt__title { color: #123f2e; }
    .strategy-opt__desc {
      font-size: .85rem; color: #64748b; line-height: 1.4;
    }
    .strategy-opt.active .strategy-opt__desc { color: #475569; }

    /* Clean Extra Payment Row */
    .extra-pay-row {
      display: flex; gap: 12px; align-items: center; margin-top: 14px;
      padding: 16px 18px; border-radius: 10px;
      background: #f1f6f2;
      border: 1px solid #d8e6dc;
    }
    .extra-pay-row label {
      font-weight: 600; color: var(--primary); flex: 1;
    }
    .extra-pay-row input {
      padding: 10px 14px; border: 1px solid #e2e8f0; border-radius: 6px;
      font-size: 1rem; width: 140px; text-align: right; font-family: inherit;
      background: #fff;
      color: #123f2e;
      transition: all 0.2s ease;
    }
    .extra-pay-row input:focus {
      outline: none;
      border-color: #1d6b4a;
      box-shadow: 0 0 0 2px rgba(13, 148, 136, 0.1);
    }

    /* Sidebar results */
    .ro-sidebar { position: sticky; top: 88px; }

    /* Clean Result Card */
    .result-card {
      background: var(--bg-card);
      color: var(--text); padding: 26px; border-radius: 14px;
      box-shadow: var(--shadow-card);
      border: 1px solid var(--border);
      animation: fadeIn 0.6s ease-out;
    }
    .result-card h3 { color: var(--text-light); opacity: 1; font-size: .78rem; letter-spacing:.08em; text-transform:uppercase; margin-bottom: 16px; }
    .result-big { font-size: 2.2rem; font-weight: 800; line-height: 1.1; color: var(--primary); }
    .result-big.positive { color: var(--accent-mid); }
    .result-row {
      display: flex; justify-content: space-between;
      padding: 8px 0; font-size: .92rem;
    }
    .result-row + .result-row { border-top: 1px solid var(--border-light); }
    .result-row .val { font-weight: 700; }

    /* Clean Savings Card */
    .savings-card {
      background: #fff;
      border: 1px solid #e2e8f0;
      border-radius: 6px; padding: 18px 22px; margin-top: 16px;
      box-shadow: 0 1px 3px rgba(0,0,0,.1);
    }
    .savings-card__label { font-size: .78rem; font-weight: 700; color: #123f2e;
      text-transform: uppercase; letter-spacing: .4px; }
    .savings-card__big { font-size: 1.5rem; font-weight: 800; color: #1d6b4a; margin: 4px 0; }
    .savings-card__sub { font-size: .82rem; color: #475569; }

    /* Clean Payoff schedule */
    .payoff-schedule {
      margin-top: 24px; border: 1px solid #e2e8f0; border-radius: 6px;
      overflow: hidden;
      animation: fadeIn 0.6s ease-out;
    }
    .payoff-row {
      display: grid; grid-template-columns: 40px 1fr 140px 140px; gap: 12px;
      padding: 14px 18px; align-items: center;
      border-bottom: 1px solid #e2e8f0; font-size: .92rem;
      transition: background-color 0.2s ease;
    }
    .payoff-row:nth-child(odd):not(.hdr) { background: #f8fafc; }
    .payoff-row:hover:not(.hdr) { background: #f1f5f9; }
    .payoff-row:last-child { border-bottom: none; }
    .payoff-row.hdr {
      background: #f1f5f9; font-weight: 700; font-size: .78rem;
      color: #64748b; text-transform: uppercase; letter-spacing: .5px;
    }
    .payoff-rank {
      width: 32px; height: 32px; color: #fff;
      border-radius: 50%; display: flex; align-items: center; justify-content: center;
      font-weight: 700; font-size: .85rem;
      box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
    }
    .payoff-rank:nth-child(1) { background: #1d6b4a; }
    .payoff-rank:nth-child(2) { background: #1d6b4a; }
    .payoff-rank:nth-child(3) { background: #16543a; }
    .payoff-rank:nth-child(n+4) { background: #64748b; color: #fff; }
    @media (max-width: 720px) {
      .payoff-row { grid-template-columns: 40px 1fr; }
      .payoff-row .m-hide { display: none; }
    }

    /* Clean Bar chart */
    .chart-wrap { margin-top: 24px; }
    .chart-bars {
      display: flex; gap: 3px; align-items: flex-end;
      height: 180px; padding: 16px 0; border-bottom: 1px solid #e2e8f0;
      animation: fadeIn 0.6s ease-out;
    }
    .chart-bar {
      flex: 1; background: #1d6b4a;
      border-radius: 2px 2px 0 0; min-height: 2px; transition: all .3s;
      box-shadow: none;
    }
    .chart-bar:hover {
      opacity: 0.8;
    }
    .chart-labels {
      display: flex; justify-content: space-between;
      font-size: .75rem; color: #64748b; margin-top: 8px;
    }

    /* Clean Calculate Button */
    .calc-btn {
      width: 100%; padding: 16px; margin-top: 20px;
      background: #123f2e;
      color: #fff;
      border: 1px solid #e2e8f0; border-radius: 6px; font-weight: 700; font-size: 1.05rem;
      cursor: pointer; font-family: inherit; transition: all .2s;
      box-shadow: none;
      position: relative;
      overflow: hidden;
    }
    .calc-btn:hover {
      background: #16543a;
      border-color: #64748b;
    }
    .calc-btn:active { opacity: 0.95; }

    /* Walkthrough steps */
    .walk-step {
      display: flex; gap: 16px; padding: 16px 0;
      border-bottom: 1px solid #e2e8f0;
      animation: fadeIn 0.4s ease-out;
    }
    .walk-step:last-child { border-bottom: none; }
    .walk-step__num {
      width: 32px; height: 32px; border-radius: 50%;
      background: #123f2e; color: #fff; font-weight: 700; font-size: .85rem;
      display: flex; align-items: center; justify-content: center; flex-shrink: 0;
      margin-top: 2px;
    }
    .walk-step__content { flex: 1; }
    .walk-step__title { font-weight: 700; color: #123f2e; font-size: .95rem; margin-bottom: 4px; }
    .walk-step__desc { font-size: .88rem; color: #475569; line-height: 1.6; }
    .walk-step__highlight {
      display: inline-block; background: #f0fdf9; border: 1px solid #e2ecda;
      border-radius: 6px; padding: 6px 12px; margin-top: 8px;
      font-size: .85rem; font-weight: 600; color: #123f2e;
    }

    @media (max-width: 600px) {
      #strategyCard [style*="grid-template-columns: 1fr 1fr"],
      #comparisonCard [style*="grid-template-columns: 1fr 1fr"] {
        grid-template-columns: 1fr !important;
      }
      #strategyCard [style*="border-right"] {
        border-right: none !important;
        border-bottom: 1px solid #e2e8f0;
      }
      #comparisonCard [style*="border-right"] {
        border-right: none !important;
        border-bottom: 1px solid #e2e8f0;
      }
    }

    .empty-state {
      text-align: center; padding: 30px; color: #64748b; font-size: .95rem;
    }
    .empty-state__icon { font-size: 2rem; margin-bottom: 8px; opacity: .6; }

    /* Clean Success card */
    .success-card {
      background: #f0fdf9;
      border: 1px solid #e2e8f0; border-radius: 6px;
      padding: 26px 28px; margin-top: 24px;
      box-shadow: 0 1px 3px rgba(0,0,0,.1);
      animation: fadeIn 0.6s ease-out;
      position: relative;
    }
    .success-card__label {
      display: inline-block; background: #1d6b4a; color: #fff;
      font-size: .72rem; font-weight: 800; letter-spacing: .5px;
      text-transform: uppercase; padding: 4px 10px; border-radius: 4px;
      margin-bottom: 12px;
    }
    .success-card h3 { font-size: 1.3rem; color: #123f2e; margin-bottom: 10px; }
    .success-card p { color: #475569; font-size: .95rem; line-height: 1.55; margin-bottom: 14px; }
    .success-card ul {
      color: #475569; font-size: .92rem; line-height: 1.65;
      margin: 0 0 14px 20px; list-style: none; padding: 0;
    }
    .success-card ul li { padding: 4px 0; }
    .success-card ul li::before { content: '✓ '; color: #1d6b4a; font-weight: 700; }
    .success-card__cta {
      display: inline-block; background: #123f2e; color: #fff;
      padding: 12px 24px; border-radius: 6px; text-decoration: none;
      font-weight: 700; font-size: .95rem; transition: all .2s;
    }
    .success-card__cta:hover {
      background: #16543a;
    }
    .success-card__secondary {
      display: inline-block; margin-left: 12px; color: #123f2e;
      font-weight: 600; font-size: .92rem; text-decoration: underline;
    }

    /* Clean Pro help card */
    .pro-help-card {
      background: #fffbeb;
      border: 1px solid #e2e8f0; border-radius: 6px;
      padding: 26px 28px; margin-top: 24px;
      box-shadow: 0 1px 3px rgba(0,0,0,.1);
      animation: fadeIn 0.6s ease-out;
      position: relative;
    }
    .pro-help-card__label {
      display: inline-block; background: #b45309; color: #fff;
      font-size: .72rem; font-weight: 800; letter-spacing: .5px;
      text-transform: uppercase; padding: 4px 10px; border-radius: 4px;
      margin-bottom: 12px;
    }
    .pro-help-card h3 {
      font-size: 1.3rem; color: #123f2e; margin-bottom: 10px;
    }
    .pro-help-card p {
      color: #475569; font-size: .95rem; line-height: 1.55; margin-bottom: 14px;
    }
    .pro-help-card ul {
      color: #475569; font-size: .92rem; line-height: 1.65;
      margin: 0 0 14px 20px;
    }
    .pro-help-card strong { color: #123f2e; }
    .pro-help-card__cta {
      display: inline-block; background: #123f2e; color: #fff;
      padding: 11px 22px; border-radius: 6px; text-decoration: none;
      font-weight: 700; font-size: .95rem;
      transition: all .2s;
    }
    .pro-help-card__cta:hover {
      background: #16543a;
    }

    /* Healthy-plan advisor card: de-emphasized secondary resource, not an equal CTA.
       Kept available for anyone who wants it, but smaller and quieter so a healthy
       free user isn't pushed toward the lead-gen referral. */
    .ro-card.advisor-secondary {
      padding: 16px 22px;
      border-top: 1px solid #e2e8f0 !important;
      background: #f8fafc;
      box-shadow: none;
    }
    .ro-card.advisor-secondary > div:first-child { display: none; } /* hide large avatar circle */
    .ro-card.advisor-secondary h3 { font-size: .98rem; margin-bottom: 4px; color: #475569; }
    .ro-card.advisor-secondary p { font-size: .84rem; margin-bottom: 8px; }
    .ro-card.advisor-secondary button {
      padding: 4px 0 !important;
      background: none !important;
      color: var(--accent-mid, #1d6b4a) !important;
      box-shadow: none !important;
      font-size: .9rem !important;
      font-weight: 600 !important;
      text-decoration: underline;
    }
    .ro-card.advisor-secondary button:hover { transform: none !important; }

    /* ══════════ Roll-Up responsive hardening — fit the layout, never mask overflow ══════════ */
    /* Let every container shrink below its content so nothing is forced wider than the viewport. */
    .ro-wrap, .ro-layout, .ro-card, .debt-row, .debt-row__hdr,
    .strategy-group, .strategy-opt, .payoff-schedule { box-sizing: border-box; min-width: 0; max-width: 100%; }
    .debt-row > *, .debt-row input, .debt-row select { min-width: 0; }
    /* 44px minimum interactive targets. */
    .debt-row input, .debt-row select, .debt-row .del-btn, .add-row-btn { min-height: 44px; }
    .debt-row .del-btn { height: 44px; }
    @media (max-width: 768px) {
      .ro-wrap { padding: 20px 16px 48px; }
      .ro-banner { padding: 24px 18px; }
      .ro-banner h1 { font-size: 1.6rem; }
      .ro-card { padding: 20px; }
    }
    @media (max-width: 560px) {
      /* Stack every debt-row field into one column; each control fills the available width. */
      .debt-row { grid-template-columns: 1fr; gap: 6px; padding: 12px; }
      .debt-row__hdr { display: none; }
      .debt-row input, .debt-row select, .debt-row .del-btn { width: 100%; grid-column: 1 / -1; }
      /* Stack Avalanche / Snowball strategy choices. */
      .strategy-group { grid-template-columns: 1fr; }
      .strategy-opt { min-height: 44px; }
      .ro-card { padding: 16px; }
      .ro-banner p, .ro-banner .note { font-size: .95rem; }
    }

.rf-skip{position:absolute;left:-9999px;top:0;z-index:100000;background:#12492f;color:#fff;padding:12px 18px;border-radius:0 0 10px 0;font-weight:700;text-decoration:none;font-family:inherit;}.rf-skip:focus{left:0;outline:3px solid #e3a07f;}