@import url('https://fonts.googleapis.com/css2?family=Lora:ital,wght@0,400;0,600;1,400&family=DM+Mono:wght@400;500&display=swap');

  :root {
    --ink: #1a1a1a;
    --ink-soft: #4a4a4a;
    --ink-muted: #888;
    --paper: #faf8f4;
    --paper-warm: #f2ede4;
    --accent: #c0392b;
    --accent-soft: #e8c5c0;
    --green: #2d6a4f;
    --green-soft: #c8e6c9;
    --border: #d8d0c4;
    --mono: 'DM Mono', monospace;
    --serif: 'Lora', Georgia, serif;
  }

  * { box-sizing: border-box; margin: 0; padding: 0; }

  body {
    background: var(--paper);
    color: var(--ink);
    font-family: var(--serif);
    font-size: 16px;
    line-height: 1.75;
    min-height: 100vh;
    max-width: 1920px;
    margin: 0 auto;
    position: relative;
    overflow-x: hidden;
    padding-top: 45px;
  }

  /* ─── HEADER NAVIGATOR SOHA ─── */
  .sp-sticky-header {
    position: fixed !important; 
    top: 0 !important; 
    left: 0 !important; 
    width: 100%; 
    height: 45px !important;
    background-color: #000 !important; 
    display: flex !important; 
    align-items: center !important; 
    justify-content: space-between !important;
    z-index: 99999 !important; 
    box-shadow: 0 2px 5px rgba(0,0,0,0.5) !important; 
    font-family: Arial, sans-serif !important;
  }
  .left-group, .right-group { display: flex; align-items: center; height: 100%; }
  .sp-back-to-soha-new {
    display: flex; align-items: center; justify-content: center; 
    width: 45px; height: 45px;
    background-color: #007f74; color: white; cursor: pointer;
  }
  .sp-back-to-soha-new:hover { background-color: #00665d; }
  .emg-icon-svg { fill: currentColor; width: 20px; height: 20px; }
  .sp-mag-logo-new { margin-left: 15px; display: flex; align-items: center; }
  .sp-mag-logo-new img { height: 24px; width: auto; display: block; }
  .center-logo {
    position: absolute; left: 50%; transform: translateX(-50%); 
    pointer-events: none; user-select: none;
    display: flex; align-items: center; justify-content: center;
  }
  .center-logo img { height: 26px; width: auto; display: block; }
  .mobile-emag-logo { display: none; height: 24px; width: auto; margin-right: 15px; }
  .fb-custom-btn {
    display: flex; align-items: center; gap: 6px; color: white; 
    font-size: 13px; font-weight: bold; cursor: pointer; opacity: 0.9;
    margin-right: 15px;
  }
  .fb-custom-btn:hover { opacity: 1; text-decoration: underline; }

  /* ─── DECORATIVE FINANCE LINES (Desktop Only) ─── */
  .finance-decor {
    position: absolute;
    top: 0; bottom: 0; left: 0; right: 0;
    pointer-events: none;
    z-index: -1;
  }
  .finance-decor .decor-axis {
    position: absolute;
    top: 0; bottom: 0;
    width: 1px;
    background: var(--border);
    opacity: 0.5;
  }
  .finance-decor .decor-axis::after {
    content: '';
    position: absolute;
    top: 0; bottom: 0;
    width: 4px; left: -1.5px;
    background: repeating-linear-gradient(to bottom, transparent, transparent 99px, var(--ink-muted) 99px, var(--ink-muted) 100px);
    opacity: 0.25;
  }
  .finance-decor .axis-left { left: calc(50% - 370px); }
  .finance-decor .axis-right { right: calc(50% - 370px); }

  /* ─── LAYOUT CONTAINERS ─── */
  .container-text {
    max-width: 660px;
    margin: 0 auto;
    padding: 0 1.25rem;
  }

  .container-wide {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.25rem;
  }

  .full-width-image {
    width: 100%;
    max-width: 1920px;
    margin: 2.5rem auto 2.5rem auto;
    display: block;
  }

  .full-width-image img {
    width: 100%;
    height: auto;
    display: block;
  }

  /* ─── HEADER ─── */
  .page-header {
    background: var(--ink);
    color: var(--paper);
    padding: 3.5rem 0 3rem;
    text-align: center;
  }

  .page-header h1 {
    font-size: clamp(1.8rem, 5vw, 3rem);
    font-weight: 600;
    line-height: 1.35;
    letter-spacing: -0.02em;
    margin-bottom: 1.5rem;
  }

  .page-header h1 em {
    color: var(--accent-soft);
    font-style: italic;
  }
  
  .title-top-mobile { display: inline; }

  .label-tag {
    display: inline-block;
    font-family: var(--mono);
    font-size: 0.65rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--accent-soft);
    border: 1px solid rgba(255,255,255,0.2);
    padding: 0.35rem 1rem;
    border-radius: 2px;
  }

  /* ─── CONTENT WRAPPER ─── */
  .content { padding-bottom: 2rem; }

  /* ─── EDITORIAL ─── */
  .editorial { padding: 2.5rem 0 1rem; }

  .editorial h2 {
    font-size: 1.15rem;
    font-weight: 600;
    margin-bottom: 1rem;
    margin-top: 2rem;
    color: var(--ink);
    letter-spacing: -0.01em;
    line-height: 1.5;
  }

  .editorial h2:first-child { margin-top: 0; }

  .editorial p {
    margin-bottom: 1.25rem;
    color: var(--ink-soft);
    font-size: 0.97rem;
  }

  .editorial p:last-child { margin-bottom: 0; }
  .editorial strong { color: var(--ink); font-weight: 600; }

  .pull-quote {
    border: none;
    padding: 3rem 2rem;
    margin: 3rem 0 2rem;
    background: var(--ink);
    text-align: center;
  }

  .pull-quote p {
    font-style: italic;
    color: var(--paper);
    font-size: clamp(1.35rem, 3.5vw, 2rem);
    margin: 0;
    line-height: 1.55;
    max-width: 780px;
    margin: 0 auto;
  }

  .pull-quote cite {
    display: block;
    font-style: normal;
    font-family: var(--mono);
    font-size: 0.72rem;
    letter-spacing: 0.1em;
    color: rgba(255,255,255,0.45);
    margin-top: 1.25rem;
    text-transform: uppercase;
  }

  .formula-box {
    background: var(--ink);
    color: var(--paper);
    padding: 1.25rem 1.5rem;
    border-radius: 6px;
    margin: 1.5rem 0;
    font-family: var(--mono);
    font-size: 0.82rem;
    line-height: 1.9;
  }

  .formula-box .formula-title {
    font-size: 0.6rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.4);
    margin-bottom: 0.75rem;
  }

  .formula-box .formula-main {
    color: var(--accent-soft);
    font-size: 0.95rem;
    font-weight: 500;
  }

  .formula-box .formula-vars {
    margin-top: 0.75rem;
    color: rgba(255,255,255,0.6);
    font-size: 0.75rem;
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 0.75rem;
  }

  .formula-box .formula-vars span {
    display: block;
    margin-bottom: 0.2rem;
  }

  /* Static comparison table (crawlable) */
  .compare-table-wrap {
    overflow-x: auto;
    margin: 1.5rem 0 0.5rem 0;
    border-radius: 6px;
    border: 1.5px solid var(--border);
  }

  .compare-table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--mono);
    font-size: 0.78rem;
  }

  .compare-table thead tr {
    background: var(--ink);
    color: var(--paper);
  }

  .compare-table thead th {
    padding: 0.75rem 1rem;
    text-align: left;
    font-weight: 500;
    letter-spacing: 0.06em;
    font-size: 0.68rem;
    text-transform: uppercase;
  }

  .compare-table tbody tr { border-bottom: 1px solid var(--border); }
  .compare-table tbody tr:last-child { border-bottom: none; }
  .compare-table tbody tr:nth-child(even) { background: var(--paper-warm); }

  .compare-table td {
    padding: 0.65rem 1rem;
    color: var(--ink-soft);
    vertical-align: middle;
  }

  .compare-table td:first-child { color: var(--ink); font-weight: 500; }
  .compare-table td.green { color: var(--green); font-weight: 500; }
  .compare-table td.red   { color: var(--accent); font-weight: 500; }

  /* ─── TOOL ─── */
  .tool-section { padding: 1.5rem 0 3rem; }

  .tool-section h2 {
    font-size: 1.1rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    color: var(--ink);
  }

  /* ─── TAB SWITCHER ─── */
  .tab-switcher {
    display: flex;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
    margin-bottom: 2rem;
    background: var(--paper-warm);
  }

  .tab-btn {
    flex: 1;
    padding: 0.75rem 0.5rem;
    border: none;
    background: transparent;
    font-family: var(--mono);
    font-size: 0.65rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--ink-muted);
    cursor: pointer;
    transition: all 0.2s;
    border-right: 1.5px solid var(--border);
    line-height: 1.4;
  }

  .tab-btn:last-child { border-right: none; }

  .tab-btn.active {
    background: var(--ink);
    color: var(--paper);
  }

  .tab-btn:hover:not(.active) { background: var(--border); color: var(--ink); }

  .tab-panel { display: none; }
  .tab-panel.active { display: block; }

  .input-group { margin-bottom: 1.25rem; }

  .input-group label {
    display: block;
    font-family: var(--mono);
    font-size: 0.65rem;
    letter-spacing: 0.15em;
    text-transform: uppercase;
    color: var(--ink-muted);
    margin-bottom: 0.5rem;
  }

  .input-row {
    position: relative;
    display: flex;
    align-items: stretch;
    border: 1.5px solid var(--border);
    border-radius: 6px;
    background: #fff;
    transition: border-color 0.2s;
  }

  .input-row:focus-within { border-color: var(--ink); }

  .input-row input {
    flex: 1;
    border: none;
    outline: none;
    padding: 0.75rem 1rem;
    font-family: var(--mono);
    font-size: 1.05rem;
    color: var(--ink);
    background: transparent;
    min-width: 0;
    border-radius: 6px 0 0 6px;
  }

  .input-row .unit {
    padding: 0 1rem;
    font-family: var(--mono);
    font-size: 0.72rem;
    color: var(--ink-muted);
    letter-spacing: 0.08em;
    white-space: nowrap;
    border-left: 1px solid var(--border);
    display: flex;
    align-items: center;
    background: var(--paper-warm);
    border-radius: 0 6px 6px 0;
  }

  .slider-wrap { margin-top: 0.5rem; }

  input[type="range"] {
    width: 100%;
    -webkit-appearance: none;
    height: 4px;
    border-radius: 2px;
    background: var(--border);
    outline: none;
    cursor: pointer;
  }

  input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 18px; height: 18px;
    border-radius: 50%;
    background: var(--ink);
    cursor: pointer;
    border: 2px solid var(--paper);
    box-shadow: 0 0 0 1px var(--ink);
    transition: transform 0.15s;
  }

  input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }

  .slider-labels {
    display: flex;
    justify-content: space-between;
    font-family: var(--mono);
    font-size: 0.62rem;
    color: var(--ink-muted);
    margin-top: 0.35rem;
  }

  .input-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0 1rem;
  }

  @media (max-width: 400px) { .input-grid { grid-template-columns: 1fr; } }

  .calc-btn {
    width: 100%;
    padding: 1rem;
    background: var(--accent);
    color: #fff;
    border: none;
    border-radius: 6px;
    font-family: var(--mono);
    font-size: 0.8rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    cursor: pointer;
    margin-top: 1.75rem;
    transition: opacity 0.15s, transform 0.1s;
    font-weight: 500;
  }

  .calc-btn:hover { opacity: 0.88; }
  .calc-btn:active { transform: scale(0.99); }

  /* ─── PRESET GRID ─── */
  .preset-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0.5rem;
    margin-bottom: 1.5rem;
  }

  @media (max-width: 480px) { .preset-grid { grid-template-columns: repeat(3, 1fr); } }

  .preset-btn {
    padding: 0.65rem 0.25rem;
    border: 1.5px solid var(--border);
    border-radius: 6px;
    background: #fff;
    font-family: var(--mono);
    font-size: 0.68rem;
    color: var(--ink-soft);
    cursor: pointer;
    text-align: center;
    transition: all 0.15s;
    line-height: 1.3;
  }

  .preset-btn:hover { border-color: var(--ink); color: var(--ink); }

  .preset-btn.active {
    background: var(--green);
    color: #fff;
    border-color: var(--green);
  }

  .preset-note {
    font-family: var(--mono);
    font-size: 0.62rem;
    color: var(--ink-muted);
    margin-bottom: 1rem;
    line-height: 1.5;
  }

  /* ─── RESULTS ─── */
  .results {
    display: none;
    margin-top: 2rem;
    animation: fadeUp 0.4s ease;
  }

  .results.visible { display: block; }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: translateY(0); }
  }

  .tool-section .input-group label {
    font-size: 0.82rem;
    letter-spacing: 0.08em;
  }
  .tool-section .input-row input {
    font-size: 1rem;
  }
  .tool-section .input-row .unit {
    font-size: 0.85rem;
  }
  .tool-section .slider-labels {
    font-size: 0.75rem;
  }
  .tool-section .tab-btn {
    font-size: 0.78rem;
  }
  .tool-section .preset-btn {
    font-size: 0.82rem;
  }
  .tool-section .preset-note {
    font-size: 0.82rem;
  }
  .tool-section .global-constraint {
    font-size: 0.8rem;
  }
  .result-table {
    font-size: 0.88rem;
  }
  .result-table thead th {
    font-size: 0.78rem;
  }
  .sum-card-label { font-size: 0.72rem; }
  .sum-card-value { font-size: 1.05rem; }
  .sum-card-sub   { font-size: 0.72rem; }
  .chart-wrap h3  { font-size: 0.75rem; }
  .chart-legend   { font-size: 0.75rem; }
  .css-bar-label  { font-size: 0.68rem; }
  .css-bar-tooltip { font-size: 0.72rem; }
  .pmt-tag    { font-size: 0.72rem; }
  .pmt-amount { font-size: clamp(1.6rem, 6vw, 2.4rem); }
  .pmt-desc   { font-size: 0.88rem; }
  .insight-note { font-size: 0.95rem; }
  .val-error    { font-size: 0.78rem; }

  .chart-wrap {
    background: var(--paper-warm);
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 1.25rem;
    margin-bottom: 1rem;
  }

  .chart-wrap h3 {
    font-family: var(--mono);
    font-size: 0.62rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--ink-muted);
    margin-bottom: 1rem;
    font-weight: 400;
  }

  .css-chart {
    display: flex;
    align-items: flex-end;
    gap: 0.5rem;
    height: 260px;
    padding-bottom: 1.75rem;
    position: relative;
    border-bottom: 1.5px solid var(--border);
  }

  .css-chart::before {
    content: '';
    position: absolute;
    left: 0; right: 0; top: 0; bottom: 1.75rem;
    background: repeating-linear-gradient(
      to bottom,
      var(--border) 0px, var(--border) 1px,
      transparent 1px, transparent 25%
    );
    opacity: 0.4;
    pointer-events: none;
  }

  .css-bar-col {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    height: 100%;
    position: relative;
    justify-content: flex-end;
  }

  .css-bar-stack {
    width: 100%;
    max-width: 52px;
    display: flex;
    flex-direction: column-reverse;
    border-radius: 4px 4px 0 0;
    overflow: hidden;
    position: relative;
  }

  .css-bar-principal {
    background: #c8c0b4;
    flex-shrink: 0;
    transition: height 0.8s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .css-bar-interest {
    background: var(--green);
    flex-shrink: 0;
    transition: height 0.8s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .css-bar-label {
    position: absolute;
    bottom: -1.6rem;
    left: 50%;
    transform: translateX(-50%);
    font-family: var(--mono);
    font-size: 0.58rem;
    color: var(--ink-muted);
    white-space: nowrap;
    text-align: center;
  }

  .css-bar-tooltip {
    position: absolute;
    bottom: 105%;
    left: 50%;
    transform: translateX(-50%);
    background: var(--ink);
    color: var(--paper);
    padding: 0.5rem 0.65rem;
    border-radius: 5px;
    font-family: var(--mono);
    font-size: 0.6rem;
    line-height: 1.5;
    white-space: nowrap;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.15s;
    z-index: 10;
    text-align: left;
  }

  .css-bar-tooltip::after {
    content: '';
    position: absolute;
    top: 100%; left: 50%;
    transform: translateX(-50%);
    border: 5px solid transparent;
    border-top-color: var(--ink);
  }

  .css-bar-col:hover .css-bar-tooltip { opacity: 1; }

  .chart-legend {
    display: flex;
    gap: 1.25rem;
    margin-top: 0.75rem;
    font-family: var(--mono);
    font-size: 0.62rem;
    color: var(--ink-muted);
    flex-wrap: wrap;
  }

  .legend-item { display: flex; align-items: center; gap: 0.35rem; }

  .legend-dot { width: 10px; height: 10px; border-radius: 2px; flex-shrink: 0; }
  .legend-dot-principal { background: #c8c0b4; }
  .legend-dot-interest  { background: var(--green); }

  .tool-reveal-wrap {
    position: relative;
    cursor: pointer;
    user-select: none;
    overflow: hidden;
  }

  .tool-reveal-img {
    width: 100%;
    max-width: 1920px;
    display: block;
    margin: 0 auto;
  }

  .tool-reveal-img img {
    width: 100%;
    height: auto;
    display: block;
  }

  .tool-reveal-wrap { position: relative; cursor: pointer; user-select: none; }

  .container-tool {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.25rem;
  }

  .img-caption-bar {
    font-family: var(--mono);
    font-size: 0.65rem;
    color: var(--ink-muted);
    text-align: center;
    padding: 0.4rem 1rem;
    background: var(--paper-warm);
    border-bottom: 1px solid var(--border);
    letter-spacing: 0.06em;
  }
  .tool-reveal-img  { width: 100%; max-width: 1920px; display: block; margin: 0 auto; }
  .tool-reveal-img img { width: 100%; height: auto; display: block; }

  .reveal-overlay {
    position: absolute;
    inset: 0;
    background: transparent;
    transition: opacity 0.4s;
    pointer-events: none;
  }

  .tool-reveal-wrap.opened .reveal-overlay { opacity: 0; }

  .reveal-cta-positioned {
    position: absolute;
    top: 3%;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    pointer-events: none;
    z-index: 2;
  }

  .reveal-cta-text {
    font-family: var(--mono);
    font-size: clamp(0.82rem, 2vw, 1.05rem);
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: #c0392b;
    background: rgba(255, 255, 255, 0.92);
    border: 2px solid rgba(192, 57, 43, 0.55);
    padding: 0.5rem 1.1rem;
    border-radius: 4px;
    white-space: nowrap;
    box-shadow: 0 3px 16px rgba(0,0,0,0.35);
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
  }

  .reveal-arrow {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0;
  }

  .reveal-arrow span {
    display: block;
    font-size: clamp(1rem, 2.2vw, 1.4rem);
    color: #c0392b;
    animation: bounceDown 1.2s ease-in-out infinite;
    filter: drop-shadow(0 2px 4px rgba(0,0,0,0.5));
    line-height: 1.05;
  }
  .reveal-arrow span:nth-child(2) { animation-delay: 0.15s; opacity: 0.75; }
  .reveal-arrow span:nth-child(3) { animation-delay: 0.3s;  opacity: 0.5; }

  @keyframes bounceDown {
    0%, 100% { transform: translateY(0); }
    50%       { transform: translateY(6px); }
  }

  .tool-content-inner {
    max-height: 0;
    overflow: hidden;
    transition: max-height 1.2s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .tool-content-inner.open { max-height: 9999px; }

  .val-error {
    display: none;
    font-family: var(--mono);
    font-size: 0.65rem;
    color: var(--accent);
    margin-top: 0.4rem;
    line-height: 1.5;
    padding: 0.4rem 0.6rem;
    background: #fdf0ee;
    border-left: 2px solid var(--accent);
    border-radius: 0 4px 4px 0;
  }

  .global-constraint {
    font-family: var(--mono);
    font-size: 0.62rem;
    color: var(--ink-muted);
    font-style: italic;
    line-height: 1.6;
    margin-bottom: 1.25rem;
    padding: 0.5rem 0.75rem;
    border-left: 2px solid var(--border);
  }

  .summary-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
    margin-bottom: 1rem;
  }

  @media (max-width: 500px) { .summary-cards { grid-template-columns: 1fr 1fr; } }

  .sum-card {
    background: var(--paper-warm);
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 0.85rem 0.75rem;
  }

  .sum-card-label {
    font-family: var(--mono);
    font-size: 0.58rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--ink-muted);
    margin-bottom: 0.3rem;
  }

  .sum-card-value {
    font-family: var(--mono);
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--green);
    line-height: 1.2;
  }

  .sum-card-sub {
    font-family: var(--mono);
    font-size: 0.6rem;
    color: var(--ink-muted);
    margin-top: 0.2rem;
  }

  .result-table-wrap {
    overflow-x: auto;
    border-radius: 6px;
    border: 1.5px solid var(--border);
    margin-bottom: 1rem;
  }

  .result-table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--mono);
    font-size: 0.76rem;
  }

  .result-table thead tr { background: var(--ink); color: var(--paper); }

  .result-table thead th {
    padding: 0.65rem 1rem;
    text-align: left;
    font-weight: 400;
    font-size: 0.63rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  .result-table tbody td {
    padding: 0.6rem 1rem;
    color: var(--ink-soft);
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
  }

  .result-table tbody tr:last-child td { border-bottom: none; }
  .result-table tbody td:first-child { color: var(--ink); }
  .result-table .td-green { color: var(--green); font-weight: 500; }
  .result-table .td-accent { color: var(--accent); font-weight: 500; }

  .insight-note {
    background: var(--paper-warm);
    border-left: 3px solid var(--accent);
    padding: 1rem 1.25rem;
    border-radius: 0 6px 6px 0;
    font-size: 0.88rem;
    line-height: 1.65;
    color: var(--ink-soft);
    font-style: italic;
  }

  .insight-note strong { color: var(--accent); font-style: normal; }

  .pmt-result {
    display: none;
    margin-top: 2rem;
    animation: fadeUp 0.4s ease;
  }

  .pmt-result.visible { display: block; }

  .pmt-highlight {
    background: var(--green);
    color: #fff;
    border-radius: 8px;
    padding: 1.5rem 1.25rem;
    margin-bottom: 1rem;
    text-align: center;
  }

  .pmt-tag {
    font-family: var(--mono);
    font-size: 0.6rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    opacity: 0.7;
    margin-bottom: 0.5rem;
  }

  .pmt-amount {
    font-family: var(--mono);
    font-size: clamp(1.5rem, 6vw, 2.2rem);
    font-weight: 500;
    color: #fff;
    line-height: 1.1;
    margin-bottom: 0.4rem;
  }

  .pmt-desc {
    font-size: 0.78rem;
    opacity: 0.8;
    font-family: var(--mono);
  }

  .footer-note {
    border-top: 1px solid var(--border);
    padding: 1.5rem 0 2.5rem;
    font-family: var(--mono);
    font-size: 0.63rem;
    color: var(--ink-muted);
    line-height: 1.7;
    letter-spacing: 0.01em;
  }

  .footer-note a { color: var(--ink-muted); text-decoration: underline; }

  .iframe-wrapper {
    max-width: 1920px;
    margin: 0 auto;
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    display: flex;
    justify-content: center;
    background: transparent;
    line-height: 0;
  }

  .iframe-wrapper iframe {
    width: 100%;
    min-height: 85vh;
    height: 100%;
    border: none;
    display: block;
    margin: 0; padding: 0;
  }

  @media (max-width: 768px) {
    .center-logo, .fb-custom-btn { display: none !important; }
    .mobile-emag-logo { display: block !important; }

    .title-top-mobile {
      font-size: 37px;
      display: block;
      line-height: 1.25;
      margin-bottom: 0.25rem;
    }

    .finance-decor { display: none; }
    .container-wide { padding: 0; }
    .full-width-image { margin: 2rem 0; }

    .compare-table-wrap, .result-table-wrap {
      border: none;
      border-top: 1px solid var(--border);
      border-bottom: 1px solid var(--border);
      border-radius: 0;
      margin: 1.5rem 0;
    }

    .compare-table td:first-child, .compare-table th:first-child,
    .result-table td:first-child, .result-table th:first-child { padding-left: 1.25rem; }
    .compare-table td:last-child, .compare-table th:last-child,
    .result-table td:last-child, .result-table th:last-child { padding-right: 1.25rem; }

    .chart-wrap {
      border: none;
      border-top: 1px solid var(--border);
      border-bottom: 1px solid var(--border);
      border-radius: 0;
      background: transparent;
      padding: 1.5rem 1.25rem;
    }

    .formula-box {
      border-radius: 0;
      margin-left: -1.25rem;
      margin-right: -1.25rem;
      padding-left: 1.25rem;
      padding-right: 1.25rem;
    }
    .pull-quote {
      margin-left: -1.25rem;
      margin-right: -1.25rem;
    }

    .pull-quote { padding: 2.5rem 1.5rem; }

    .tab-btn { font-size: 0.58rem; padding: 0.65rem 0.25rem; }
    .preset-grid { grid-template-columns: repeat(3, 1fr); }
  }