.ch-calc{
  --ch-primary:#0B2D5B;
  --ch-secondary:#0EA5E9;
  --ch-light-blue:#38BDF8;
  --ch-accent:#F59E0B;
  --ch-bg:#F8FAFC;
  --ch-text:#0F172A;
  --ch-muted:#64748B;
  --ch-border:#D7E2EC;
  --ch-surface:#FFFFFF;
  --ch-soft:#EFF8FF;
  --ch-soft-gold:#FFF8E6;
  --ch-good:#ECFDF5;
  --ch-danger:#B42318;
  font:inherit;
  color:var(--ch-text);
  max-width:1120px;
  margin:0 auto;
}
.ch-calc *{box-sizing:border-box}
.ch-calc [hidden]{display:none!important}
.ch-sourcebar{display:flex;gap:10px 22px;flex-wrap:wrap;padding:12px 14px;border:1px solid #BFE7FB;background:#F0FAFF;border-radius:12px;font-size:13px;color:#24445F;box-shadow:inset 4px 0 0 var(--ch-secondary)}
.ch-sourcebar strong{color:var(--ch-primary)}
.ch-intro-note{margin:12px 0 18px;color:var(--ch-muted);font-size:14px}
.ch-grid-main{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;align-items:start}
.ch-panel{border:1px solid var(--ch-border);border-radius:16px;background:var(--ch-surface);padding:22px;box-shadow:0 8px 24px rgba(11,45,91,.055)}
.ch-panel-title{font-size:21px;line-height:1.25;margin:2px 0 18px;color:var(--ch-primary);letter-spacing:-.01em}
.ch-section-label{font-size:11px;line-height:1.2;text-transform:uppercase;letter-spacing:.11em;font-weight:800;color:var(--ch-secondary)}
.ch-divider{height:1px;background:var(--ch-border);margin:20px 0}
.ch-field{display:grid;gap:7px;margin-bottom:15px;min-width:0}
.ch-field label{font-weight:700;font-size:14px;color:#18314D}
.ch-help{font-size:12px;color:var(--ch-muted);line-height:1.45}
.ch-field input,.ch-field select{width:100%;min-height:46px;border:1px solid #B8C7D5;border-radius:10px;padding:10px 12px;background:#fff;color:var(--ch-text);font:inherit;font-size:16px;transition:border-color .15s ease,box-shadow .15s ease}
.ch-field input:focus,.ch-field select:focus{outline:none;border-color:var(--ch-secondary);box-shadow:0 0 0 3px rgba(14,165,233,.16)}
.ch-row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px;min-width:0}
.ch-input-prefix,.ch-input-suffix,.ch-input-both{display:grid;align-items:center;border:1px solid #B8C7D5;border-radius:10px;background:#fff;overflow:hidden;transition:border-color .15s ease,box-shadow .15s ease}
.ch-input-prefix{grid-template-columns:auto 1fr}
.ch-input-suffix{grid-template-columns:1fr auto}
.ch-input-both{grid-template-columns:auto 1fr auto}
.ch-input-prefix span,.ch-input-suffix span,.ch-input-both span{padding:0 12px;color:var(--ch-muted);font-weight:750}
.ch-input-prefix input,.ch-input-suffix input,.ch-input-both input{border:0;border-radius:0;box-shadow:none!important}
.ch-input-prefix:focus-within,.ch-input-suffix:focus-within,.ch-input-both:focus-within{border-color:var(--ch-secondary);box-shadow:0 0 0 3px rgba(14,165,233,.16)}
.ch-muted{color:var(--ch-muted);font-weight:400}
.ch-primary,.ch-secondary{min-height:44px;border-radius:10px;padding:10px 15px;font:inherit;font-weight:800;cursor:pointer;transition:background .15s ease,border-color .15s ease,transform .08s ease}
.ch-primary{width:100%;border:1px solid var(--ch-primary);background:linear-gradient(135deg,var(--ch-primary),#134C88);color:#fff;box-shadow:0 7px 18px rgba(11,45,91,.16)}
.ch-primary:hover{background:linear-gradient(135deg,#082448,var(--ch-primary))}
.ch-primary:active,.ch-secondary:active{transform:translateY(1px)}
.ch-primary:focus-visible,.ch-secondary:focus-visible,.ch-advanced summary:focus-visible,.ch-all-payments summary:focus-visible{outline:3px solid rgba(14,165,233,.28);outline-offset:2px}
.ch-secondary{border:1px solid #BFD3E4;background:#fff;color:var(--ch-primary)}
.ch-secondary:hover{background:#F1F8FD;border-color:#9FC8E3}
.ch-advanced{border-top:1px solid var(--ch-border);border-bottom:1px solid var(--ch-border);padding:11px 0;margin:2px 0 16px}
.ch-advanced summary,.ch-all-payments summary{cursor:pointer;font-weight:800;color:var(--ch-primary)}
.ch-advanced-body{padding-top:16px}
.ch-check{display:flex;gap:10px;align-items:flex-start;margin:-2px 0 16px;font-size:14px;color:#334155}
.ch-check input{width:18px;height:18px;margin-top:2px;accent-color:var(--ch-secondary)}
.ch-error{padding:10px 12px;margin:0 0 12px;border-radius:9px;background:#FFF1F0;color:var(--ch-danger);font-size:14px;border:1px solid #FFD5D2}
.ch-results{display:flex;flex-direction:column;border-top:4px solid var(--ch-secondary)}
.ch-result-kicker{font-size:13px;color:var(--ch-muted);font-weight:750;text-transform:uppercase;letter-spacing:.06em}
.ch-result-main{display:flex;align-items:baseline;gap:8px;flex-wrap:wrap;margin:5px 0 2px}
.ch-result-payment{font-size:43px;line-height:1.06;font-weight:850;letter-spacing:-.035em;color:var(--ch-primary)}
.ch-result-frequency{color:var(--ch-muted);font-weight:700}
.ch-result-sub{font-size:14px;color:#42617B;margin:3px 0 14px;padding:9px 11px;background:#F2FAFF;border-radius:9px;border-left:3px solid var(--ch-light-blue)}
.ch-stats{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--ch-border);border-left:1px solid var(--ch-border);margin-top:14px;border-radius:10px;overflow:hidden}
.ch-stats>div{display:grid;gap:4px;padding:13px;border-right:1px solid var(--ch-border);border-bottom:1px solid var(--ch-border);background:#fff}
.ch-stats span{font-size:12px;color:var(--ch-muted)}
.ch-stats strong{font-size:16px;color:#173454;overflow-wrap:anywhere}
.ch-savings,.ch-stress{margin-top:14px;padding:12px 14px;border-radius:10px;display:grid;gap:4px;font-size:14px}
.ch-savings{background:var(--ch-good);border:1px solid #CDEFE0}
.ch-stress{background:var(--ch-soft-gold);border:1px solid #F8DDA4}
.ch-savings strong,.ch-stress strong{color:var(--ch-primary)}
.ch-balloon-comparison{margin-top:15px;border:1px solid #F5D08A;border-radius:12px;background:#FFFBF2;overflow:hidden}
.ch-comparison-head{display:grid;gap:3px;padding:13px 14px;border-bottom:1px solid #F5DDAE}
.ch-comparison-head strong{color:var(--ch-primary)}
.ch-comparison-head span{font-size:12px;color:var(--ch-muted);line-height:1.4}
.ch-comparison-grid{display:grid;grid-template-columns:1fr 1fr}
.ch-comparison-grid>div{display:grid;gap:4px;padding:12px 14px;border-right:1px solid #F5DDAE;border-bottom:1px solid #F5DDAE}
.ch-comparison-grid>div:nth-child(even){border-right:0}
.ch-comparison-grid span{font-size:12px;color:var(--ch-muted)}
.ch-comparison-grid strong{font-size:15px;color:#173454}
.ch-result-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:auto;padding-top:18px}
.ch-explainer,.ch-assumptions{margin-top:20px;border:1px solid var(--ch-border);border-radius:16px;padding:20px;background:#fff;box-shadow:0 6px 20px rgba(11,45,91,.04)}
.ch-explainer{border-top:3px solid var(--ch-light-blue)}
.ch-assumptions{border-top:3px solid var(--ch-accent)}
.ch-explainer h3,.ch-assumptions h3{margin:0 0 12px;font-size:19px;color:var(--ch-primary)}
.ch-equation{padding:15px;border-radius:10px;background:#F1F8FD;border:1px solid #D8EDF9;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;overflow-wrap:anywhere;color:#0B2D5B}
.ch-formula-values{padding:12px 14px;border-left:3px solid var(--ch-accent);background:#FFFBF2;border-radius:0 9px 9px 0}
.ch-schedule-head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}
.ch-table-scroll,.ch-year-table-wrap{overflow-x:auto}
.ch-table{width:100%;border-collapse:collapse;margin-top:12px;font-size:13px}
.ch-table th,.ch-table td{text-align:right;padding:9px 10px;border-bottom:1px solid var(--ch-border);white-space:nowrap}
.ch-table th:first-child,.ch-table td:first-child{text-align:left}
.ch-table th{background:#EFF8FF;color:var(--ch-primary);font-weight:800}
.ch-all-payments{margin-top:15px}
.ch-all-payments[open] summary{margin-bottom:6px}
.ch-assumptions{font-size:14px;color:#34495D;line-height:1.55}
.ch-assumptions li{margin:7px 0}
.ch-source-note{margin-bottom:0;padding-top:8px;border-top:1px solid var(--ch-border)}
.ch-source-note a{color:#087FB5;font-weight:700;text-decoration-thickness:1px;text-underline-offset:2px}
@media(max-width:760px){
  .ch-grid-main{grid-template-columns:1fr}
  .ch-row-2{grid-template-columns:1fr}
  .ch-panel{padding:17px}
  .ch-result-payment{font-size:35px}
  .ch-stats{grid-template-columns:1fr}
  .ch-comparison-grid{grid-template-columns:1fr}
  .ch-comparison-grid>div{border-right:0}
  .ch-result-actions>*{flex:1 1 140px}
  .ch-schedule-head{display:grid}
  .ch-sourcebar{display:grid;gap:6px}
}
@media print{
  .ch-form,.ch-result-actions,.ch-download,.ch-all-payments summary{display:none!important}
  .ch-calc{max-width:none}
  .ch-results,.ch-explainer,.ch-assumptions{break-inside:avoid;box-shadow:none}
  .ch-schedule[hidden],.ch-formula[hidden]{display:block!important}
}

/* CalcHarbour v1.1.1 — visual polish only. Calculation logic is unchanged. */
.ch-calc{
  --ch-navy-900:#071F3F;
  --ch-navy-800:#0B2D5B;
  --ch-navy-700:#124A7A;
  --ch-blue-500:#0EA5E9;
  --ch-blue-300:#7DD3FC;
  --ch-gold-500:#F59E0B;
  --ch-gold-100:#FFF7E0;
  --ch-slate-50:#F8FAFC;
  --ch-slate-100:#F1F5F9;
  --ch-slate-200:#E2E8F0;
  --ch-slate-500:#64748B;
  --ch-slate-900:#0F172A;
}

.ch-sourcebar{
  gap:8px;
  padding:10px;
  border-color:#C8E9F9;
  background:linear-gradient(135deg,#F5FBFF 0%,#EFF9FF 100%);
  box-shadow:none;
}
.ch-sourcebar span{
  display:inline-flex;
  align-items:center;
  gap:4px;
  min-height:30px;
  padding:6px 9px;
  border:1px solid #D7ECF8;
  border-radius:999px;
  background:#fff;
  color:#49657B;
  line-height:1.25;
}
.ch-sourcebar span:last-child{
  border-color:#F6D99F;
  background:var(--ch-gold-100);
}
.ch-sourcebar strong{font-weight:800}

.ch-intro-note{
  margin:12px 2px 16px;
  padding-left:12px;
  border-left:3px solid var(--ch-light-blue);
  line-height:1.5;
}

.ch-grid-main{
  grid-template-columns:minmax(0,1.04fr) minmax(0,.96fr);
  gap:18px;
}

.ch-panel{
  border-color:#DCE6EF;
  border-radius:18px;
  padding:20px;
  box-shadow:0 12px 30px rgba(11,45,91,.065);
}
.ch-form{
  background:linear-gradient(180deg,#FFFFFF 0%,#FBFDFF 100%);
}
.ch-panel-title{
  margin:3px 0 16px;
  font-size:22px;
  font-weight:850;
}
.ch-section-label{
  width:max-content;
  padding:5px 8px;
  border-radius:999px;
  background:#EAF8FF;
  color:#087FB5;
  font-size:10px;
  letter-spacing:.1em;
}
.ch-divider{margin:18px 0}
.ch-field{gap:6px;margin-bottom:13px}
.ch-field label{font-size:13.5px}
.ch-help{font-size:11.5px;line-height:1.4}
.ch-field input,.ch-field select{min-height:44px;border-color:#C7D5E1;background:#FFFFFF}
.ch-input-prefix,.ch-input-suffix,.ch-input-both{border-color:#C7D5E1}
.ch-input-prefix span,.ch-input-suffix span,.ch-input-both span{font-weight:800;color:#5F7285}

.ch-advanced{
  margin:5px 0 14px;
  padding:0;
  border:1px solid #DDE7EF;
  border-radius:11px;
  background:#fff;
  overflow:hidden;
}
.ch-advanced summary{
  position:relative;
  list-style:none;
  min-height:44px;
  padding:12px 38px 12px 13px;
  color:var(--ch-primary);
  background:#F8FBFE;
}
.ch-advanced summary::-webkit-details-marker{display:none}
.ch-advanced summary::after{
  content:'+';
  position:absolute;
  right:13px;
  top:50%;
  transform:translateY(-50%);
  width:22px;
  height:22px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:#E8F7FE;
  color:#087FB5;
  font-size:17px;
  line-height:1;
}
.ch-advanced[open] summary::after{content:'−'}
.ch-advanced-body{padding:14px 13px 2px;border-top:1px solid #E5EDF4}

.ch-primary{
  min-height:48px;
  border-radius:11px;
  border:0;
  background:linear-gradient(135deg,#0B2D5B 0%,#124A7A 58%,#0E73B4 100%);
  box-shadow:0 8px 20px rgba(11,45,91,.18);
  letter-spacing:.005em;
}
.ch-primary:hover{background:linear-gradient(135deg,#071F3F 0%,#0B2D5B 60%,#0B6AA8 100%)}

.ch-results{
  position:relative;
  overflow:hidden;
  border-top:0;
  background:linear-gradient(180deg,#FFFFFF 0%,#F9FCFF 100%);
}
.ch-results::before{
  content:'';
  position:absolute;
  inset:0 0 auto 0;
  height:4px;
  background:linear-gradient(90deg,var(--ch-secondary),var(--ch-light-blue) 65%,var(--ch-accent));
}
.ch-result-kicker{
  margin-top:3px;
  color:#567089;
  font-size:11px;
  font-weight:850;
  letter-spacing:.085em;
}
.ch-result-main{margin:6px 0 4px}
.ch-result-payment{font-size:46px;font-weight:900;color:var(--ch-primary)}
.ch-result-frequency{font-size:14px;color:#5D7285}

.ch-stats{
  gap:8px;
  border:0;
  margin-top:14px;
  border-radius:0;
  overflow:visible;
  background:transparent;
}
.ch-stats>div{
  min-width:0;
  padding:11px 12px;
  border:1px solid #DFE8F0;
  border-radius:10px;
  background:#fff;
}
.ch-stats span{font-size:11px;line-height:1.35}
.ch-stats strong{font-size:15px;line-height:1.3}
.ch-car-loan .ch-stats strong[data-result="finance-cost"],
.ch-car-loan .ch-stats strong[data-result="balloon-payment"]{
  color:#9A6200;
}

.ch-result-actions{
  gap:7px;
  margin-top:2px;
  padding-top:16px;
  border-top:1px solid #E5EDF4;
}
.ch-secondary{
  min-height:42px;
  padding:9px 13px;
  border-color:#C8D9E6;
  border-radius:9px;
  background:#fff;
  font-size:13px;
}
.ch-secondary:hover{background:#EFF9FE;border-color:#8FCBE9}

.ch-balloon-comparison{
  border-color:#F4CF86;
  background:linear-gradient(180deg,#FFFDF8 0%,#FFF9EB 100%);
}
.ch-comparison-head{background:#FFF8E6}

.ch-assumptions{
  padding:20px;
  background:linear-gradient(180deg,#FFFFFF 0%,#FFFEFB 100%);
}
.ch-assumptions h3{margin-bottom:14px}
.ch-assumptions ul{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:9px;
  margin:0;
  padding:0;
  list-style:none;
}
.ch-assumptions li{
  position:relative;
  margin:0;
  min-width:0;
  padding:11px 12px 11px 30px;
  border:1px solid #E6ECF2;
  border-radius:10px;
  background:#FFFFFF;
  color:#3F5367;
  line-height:1.48;
}
.ch-assumptions li::before{
  content:'✓';
  position:absolute;
  left:11px;
  top:10px;
  color:#0E8EC4;
  font-weight:900;
}
.ch-source-note{
  margin-top:14px;
  padding:12px 13px;
  border:1px solid #D8EBF7;
  border-radius:10px;
  background:#F3FAFE;
}

.ch-explainer{padding:20px}
.ch-equation{background:#F5FAFE}

@media(min-width:900px){
  .ch-results{position:sticky;top:24px}
}

@media(max-width:760px){
  .ch-grid-main{grid-template-columns:1fr;gap:14px}
  .ch-sourcebar{display:flex;gap:6px}
  .ch-sourcebar span{width:100%;border-radius:9px;justify-content:flex-start}
  .ch-panel{padding:16px;border-radius:14px}
  .ch-panel-title{font-size:20px}
  .ch-result-payment{font-size:37px}
  .ch-stats{grid-template-columns:1fr 1fr;gap:7px}
  .ch-stats>div{padding:10px}
  .ch-assumptions{padding:16px}
  .ch-assumptions ul{grid-template-columns:1fr}
  .ch-result-actions{display:grid;grid-template-columns:1fr 1fr}
  .ch-result-actions .ch-print{grid-column:1 / -1}
}

@media(max-width:420px){
  .ch-row-2{grid-template-columns:1fr}
  .ch-stats{grid-template-columns:1fr}
  .ch-result-actions{grid-template-columns:1fr}
  .ch-result-actions .ch-print{grid-column:auto}
  .ch-result-payment{font-size:34px}
  .ch-sourcebar{font-size:12px}
}

/* CalcHarbour v1.2.0 — NSW Stamp Duty Calculator */
.ch-duty-value-help{margin:-4px 0 14px;padding:9px 11px;border-radius:9px;background:#F5FAFE;border-left:3px solid var(--ch-light-blue)}
.ch-duty-check{padding:11px 12px;margin:0 0 10px;border:1px solid #E1E9F0;border-radius:10px;background:#fff}
.ch-duty-check strong{color:var(--ch-primary)}
.ch-duty-check small{display:inline-block;margin-top:3px;color:var(--ch-muted);line-height:1.4}
.ch-duty-stats strong[data-result="transfer-duty"],
.ch-duty-stats strong[data-result="first-home-saving"]{color:#0A7C55}
.ch-duty-stats strong[data-result="foreign-surcharge"]{color:#9A6200}
.ch-duty-breakdown{display:grid;gap:9px;margin-top:12px}
.ch-duty-breakdown>div{display:grid;grid-template-columns:minmax(150px,.42fr) minmax(0,1fr);gap:14px;padding:12px 13px;border:1px solid #E1E9F0;border-radius:10px;background:#fff}
.ch-duty-breakdown span{color:var(--ch-muted);font-size:12px;font-weight:700}
.ch-duty-breakdown strong{color:#173454;line-height:1.5;overflow-wrap:anywhere}
.ch-nsw-stamp-duty .ch-result-sub{margin-bottom:2px}
.ch-nsw-stamp-duty .ch-fhb-status{background:#ECFDF5}
.ch-nsw-stamp-duty .ch-premium-warning{background:#FFF8E6}
@media(max-width:760px){.ch-duty-breakdown>div{grid-template-columns:1fr;gap:4px}}

/* CalcHarbour v1.3.0 — Queensland Stamp Duty Calculator */
.ch-qld-stamp-duty .ch-result-sub{margin-bottom:2px}
.ch-qld-stamp-duty .ch-duty-stats strong[data-result="concession-saving"],
.ch-qld-stamp-duty .ch-duty-stats strong[data-result="transfer-duty"]{color:#0A7C55}
.ch-qld-stamp-duty .ch-duty-stats strong[data-result="afad"]{color:#9A6200}
.ch-qld-stamp-duty .ch-qld-concession-status{background:#ECFDF5}
.ch-duty-check input:disabled + span{opacity:.58}