/* SGFinanceCalculators — Credit Cards SS3 — P161
   Singapore CBS Credit Score Impact Simulator
   Accent: Cobalt #1D4ED8 */
:root{
  --navy:#002868;--navy-d:#00183F;--navy-l:#EAF0FA;
  --white:#FFFFFF;--green:#00875A;--green-l:#ECFDF5;
  --charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;
  --cob:#1D4ED8;--cob-d:#1E40AF;--cob-l:#EFF6FF;--cob-m:#3B82F6;
  --red:#DC2626;--red-l:#FEF2F2;--amber:#B45309;--amber-l:#FEF3C7;
  --pur:#7C3AED;--lime:#65A30D;
}
.tool-wrap{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);line-height:1.65;max-width:1180px;margin:0 auto;padding:0 16px 72px;box-sizing:border-box}
.cp-breadcrumb{display:flex;align-items:center;gap:6px;font-size:12px;padding:14px 0 4px;flex-wrap:wrap}
.cp-breadcrumb a{color:var(--cob);text-decoration:none}.cp-breadcrumb a:hover{text-decoration:underline}
.cp-breadcrumb .sep{color:var(--border)}
.tool-wrap h2{font-family:'Montserrat',sans-serif;font-size:clamp(20px,2.8vw,27px);font-weight:800;color:var(--navy);margin:52px 0 16px;line-height:1.25;letter-spacing:-.3px}
.tool-wrap h3{font-family:'Montserrat',sans-serif;font-size:clamp(15px,2vw,19px);font-weight:700;color:var(--charcoal);margin:24px 0 10px;line-height:1.3}
.tool-wrap p{margin-bottom:14px}
.tool-wrap ul{padding-left:20px;margin-bottom:14px}.tool-wrap ul li{margin-bottom:7px}
.tool-wrap a{color:var(--cob);text-decoration:none}.tool-wrap a:hover{text-decoration:underline}
.tool-hero{background:linear-gradient(130deg,var(--navy-d) 0%,#1e3a8a 55%,var(--cob-d) 100%);border-radius:16px;padding:40px 38px 36px;margin:8px 0 28px;position:relative;overflow:hidden}
.tool-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 55% 70% at 88% 50%,rgba(59,130,246,.3) 0%,transparent 55%);pointer-events:none}
.th-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.9);font-size:10.5px;font-weight:700;letter-spacing:1px;text-transform:uppercase;padding:4px 12px;border-radius:20px;margin-bottom:14px;position:relative;z-index:1}
.th-dot{width:6px;height:6px;background:#bfdbfe;border-radius:50%;animation:blC 1.4s infinite}
@keyframes blC{0%,100%{opacity:1}50%{opacity:.3}}
.tool-hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3.2vw,36px);font-weight:800;color:#fff;line-height:1.13;margin:0 0 12px;letter-spacing:-.5px;position:relative;z-index:1}
.tool-hero h1 em{font-style:normal;color:#bfdbfe}
.th-sub{font-size:15px;color:rgba(255,255,255,.72);max-width:660px;line-height:1.65;position:relative;z-index:1}
.info-band{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:0 0 28px}
.ib-card{background:var(--white);border:1.5px solid var(--border);border-top:3px solid var(--cob);border-radius:10px;padding:14px 16px;text-align:center}
.ib-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--cob);line-height:1.1}
.ib-lbl{font-size:11px;color:var(--gray);margin-top:4px;line-height:1.4}
.calc-section{background:var(--bg);border-radius:14px;padding:28px;margin:0 0 44px;border:1px solid var(--border)}
.calc-ttl{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--cob);text-transform:uppercase;letter-spacing:.8px;margin-bottom:22px;display:flex;align-items:center;gap:8px}
.calc-ttl::before{content:'';display:block;width:3px;height:16px;background:var(--cob);border-radius:2px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.input-panel{display:flex;flex-direction:column;gap:14px}
.inp-block{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.inp-block-hd{background:var(--navy);padding:9px 16px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:rgba(255,255,255,.9);letter-spacing:.7px;text-transform:uppercase}
.inp-block-hd.cob{background:var(--cob)}.inp-block-hd.red{background:var(--red)}
.inp-block-body{padding:16px;display:flex;flex-direction:column;gap:12px}
.form-row{display:flex;flex-direction:column;gap:5px}
.form-row>label{font-size:12.5px;font-weight:600;color:var(--charcoal)}
.form-row .hint{font-size:11px;color:var(--gray);margin-top:-2px}
.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.inp-wrap{display:flex;align-items:stretch;border:1.5px solid var(--border);border-radius:7px;overflow:hidden;background:var(--white);transition:border-color .2s}
.inp-wrap:focus-within{border-color:var(--cob);box-shadow:0 0 0 3px rgba(29,78,216,.1)}
.inp-pre,.inp-suf{background:var(--bg);padding:9px 10px;font-size:12.5px;font-weight:600;color:var(--gray);border-right:1px solid var(--border);flex-shrink:0;display:flex;align-items:center}
.inp-suf{border-right:none;border-left:1px solid var(--border)}
.inp-wrap input{flex:1;min-width:0;border:none;outline:none;padding:9px 12px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);background:transparent}
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
input[type=range]{width:100%;accent-color:var(--cob)}
.form-row select{width:100%;border:1.5px solid var(--border);border-radius:7px;padding:9px 11px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--charcoal);background:var(--white);outline:none;cursor:pointer}
.form-row select:focus{border-color:var(--cob)}
.calc-actions{display:flex;flex-direction:column;gap:10px;margin-top:4px}
.btn-calc{width:100%;padding:13px 20px;background:var(--cob);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;cursor:pointer;transition:background .2s,transform .15s;display:flex;align-items:center;justify-content:center;gap:8px}
.btn-calc:hover{background:var(--cob-d);transform:translateY(-1px)}
.btn-row2{display:flex;gap:10px}
.btn-pdf{flex:1;padding:12px 16px;background:var(--navy-l);color:var(--navy);border:1.5px solid var(--navy);border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:all .2s;display:flex;align-items:center;justify-content:center;gap:6px;white-space:nowrap}
.btn-pdf:hover{background:var(--navy);color:#fff}
.btn-wa{flex:1;padding:12px 16px;background:#25D366;color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:background .2s;display:flex;align-items:center;justify-content:center;gap:6px;white-space:nowrap}
.btn-wa:hover{background:#1ebe5d}
.results-panel{display:flex;flex-direction:column;gap:14px}
.d-none{display:none !important}
.res-placeholder{background:var(--white);border:2px dashed var(--border);border-radius:12px;padding:48px 20px;text-align:center}
.ph-icon{font-size:52px;opacity:.35;margin-bottom:12px}
.ph-title{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:var(--charcoal);margin-bottom:6px}
.ph-sub{font-size:13px;color:var(--gray)}
/* CBS Grade badge */
.grade-row{display:flex;gap:8px;align-items:stretch;flex-wrap:wrap}
.grade-box{flex:1;min-width:120px;border-radius:12px;padding:16px;text-align:center;border:2px solid}
.grade-box.current{background:linear-gradient(135deg,#1e3a8a,var(--cob-d));border-color:var(--cob)}
.grade-box.scenario{border-color:var(--border)}
.grade-box.scenario.better{background:linear-gradient(135deg,#064e3b,var(--green));border-color:var(--green)}
.grade-box.scenario.worse{background:linear-gradient(135deg,#7f1d1d,var(--red));border-color:var(--red)}
.grade-box.scenario.neutral{background:var(--bg)}
.grade-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;margin-bottom:4px;color:rgba(255,255,255,.65)}
.grade-box.scenario.neutral .grade-lbl{color:var(--gray)}
.grade-letter{font-family:'Montserrat',sans-serif;font-size:44px;font-weight:800;line-height:1;color:#fff}
.grade-box.scenario.neutral .grade-letter{color:var(--charcoal)}
.grade-desc{font-size:11px;color:rgba(255,255,255,.7);margin-top:4px}
.grade-box.scenario.neutral .grade-desc{color:var(--gray)}
.grade-change{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;margin-top:6px}
/* CBS Scale */
.cbs-scale{display:flex;gap:3px;margin:4px 0}
.cbs-pip{flex:1;height:8px;border-radius:2px;opacity:.4;transition:opacity .3s}
.cbs-pip.active{opacity:1}
.pip-aa{background:var(--green)}.pip-bb{background:#16a34a}.pip-cc{background:var(--lime)}.pip-dd{background:#ca8a04}.pip-ee{background:var(--amber)}.pip-ff{background:#ea580c}.pip-gg{background:var(--red)}.pip-hh{background:#7f1d1d}
/* Factor bars */
.factor-bars{display:flex;flex-direction:column;gap:8px}
.fb-row{display:flex;align-items:center;gap:10px}
.fb-label{font-size:12px;font-weight:600;color:var(--charcoal);width:130px;flex-shrink:0}
.fb-bar-wrap{flex:1;background:var(--border);border-radius:4px;height:8px;overflow:hidden}
.fb-bar{height:100%;border-radius:4px;transition:width .6s}
.fb-pts{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--cob);width:36px;text-align:right;flex-shrink:0}
/* What-if buttons */
.whatif-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.wi-btn{padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;background:var(--white);font-size:12px;font-weight:600;color:var(--charcoal);cursor:pointer;transition:all .2s;text-align:left;display:flex;align-items:center;gap:7px}
.wi-btn:hover{border-color:var(--cob);background:var(--cob-l);color:var(--cob-d)}
.wi-btn.selected{border-color:var(--cob);background:var(--cob);color:#fff}
.wi-icon{font-size:14px;flex-shrink:0}
/* Actions list */
.action-list{display:flex;flex-direction:column;gap:6px}
.action-item{display:flex;align-items:center;gap:10px;padding:10px 14px;border-radius:8px;background:var(--white);border:1.5px solid var(--border);font-size:13px}
.action-item.high{border-color:rgba(0,135,90,.3);background:var(--green-l)}
.action-item.med{border-color:rgba(29,78,216,.2);background:var(--cob-l)}
.action-item.low{border-color:rgba(101,163,13,.2);background:#f7fee7}
.ai-num{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;color:#fff}
.action-item.high .ai-num{background:var(--green)}.action-item.med .ai-num{background:var(--cob)}.action-item.low .ai-num{background:var(--lime)}
.ai-txt{flex:1;color:var(--charcoal)}.ai-imp{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--gray)}
/* Recovery timeline */
.recovery-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:18px}
.rc-ttl{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--charcoal);margin-bottom:14px}
#cbsChart{max-height:180px}
/* Breakdown */
.res-block{background:var(--white);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.rb-hd{background:var(--cob);padding:10px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.5px}
.rb-hd.navy{background:var(--navy)}.rb-hd.red{background:var(--red)}
.rb-rows{padding:12px 14px;display:flex;flex-direction:column}
.rb-row{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--border);font-size:13.5px}
.rb-row:last-child{border-bottom:none}
.rb-lbl{color:var(--gray)}.rb-val{font-weight:700}
.rb-val.cob{color:var(--cob)}.rb-val.red{color:var(--red)}.rb-val.navy{color:var(--navy)}.rb-val.green{color:var(--green)}.rb-val.amber{color:var(--amber)}
/* Content */
.car-ref{width:100%;border-collapse:collapse;font-size:13px;margin:16px 0;border-radius:8px;overflow:hidden}
.car-ref th{background:var(--navy);color:#fff;padding:8px 10px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;text-transform:uppercase;text-align:left}
.car-ref td{padding:8px 10px;border-bottom:1px solid var(--border);font-size:12.5px}
.car-ref tr:nth-child(even) td{background:var(--cob-l)}
.rr-cob{font-weight:700;color:var(--cob)}.rr-green{color:var(--green);font-weight:700}.rr-red{color:var(--red);font-weight:700}.rr-amber{color:var(--amber);font-weight:700}
.how-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px 0}
.how-step{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:18px 14px;text-align:center}
.how-num{width:38px;height:38px;background:var(--cob);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;margin:0 auto 12px}
.how-step h3{font-size:13px;color:var(--navy);margin:0 0 6px}
.how-step p{font-size:12px;color:var(--gray);margin:0}
.example-box{background:var(--cob-l);border:1.5px solid rgba(29,78,216,.2);border-left:4px solid var(--cob);border-radius:8px;padding:20px 22px;margin:20px 0}
.example-box h3{color:var(--cob-d);margin:0 0 14px}
.eg-row{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;padding:8px 0;border-bottom:1px solid rgba(29,78,216,.12);font-size:13px}
.eg-row:last-child{border-bottom:none}
.eg-row .er-lbl{color:var(--gray);flex:1;min-width:0;line-height:1.6}.eg-row .er-val{font-weight:700;color:var(--cob-d);flex-shrink:0;max-width:185px;text-align:right;line-height:1.45;font-size:12.5px}
.eg-row.eg-total .er-val{color:var(--navy);font-size:13.5px;max-width:220px}
.tips-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0}
.tip-card{background:var(--white);border:1.5px solid var(--border);border-top:4px solid var(--cob);border-radius:10px;padding:20px;transition:box-shadow .2s,transform .2s}
.tip-card:hover{box-shadow:0 6px 20px rgba(0,40,104,.1);transform:translateY(-2px)}
.tip-icon{font-size:28px;margin-bottom:10px}
.tip-card h3{font-size:14px;color:var(--navy);margin:0 0 8px}
.tip-card p{font-size:13px;color:var(--gray);margin:0}
.faq-list{display:flex;flex-direction:column;gap:8px;margin:20px 0}
.faq-item{background:var(--white);border:1.5px solid var(--border);border-radius:8px;overflow:hidden}
.faq-item[open]{border-color:var(--cob)}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 18px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--charcoal);cursor:pointer;list-style:none;user-select:none}
.faq-q::-webkit-details-marker{display:none}
.faq-q::after{content:'+';font-size:20px;font-weight:400;color:var(--cob);flex-shrink:0;line-height:1}
.faq-item[open] .faq-q::after{content:'-'}
.faq-a{display:none;padding:14px 18px 18px;font-size:14px;color:var(--gray);line-height:1.72;border-top:1px solid var(--border)}
details.faq-item[open] .faq-a{display:block !important}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0}
.rel-card{display:flex;align-items:center;gap:12px;background:var(--white);border:1.5px solid var(--border);border-radius:10px;padding:14px 16px;text-decoration:none;transition:all .2s}
.rel-card:hover{border-color:var(--cob);box-shadow:0 4px 14px rgba(29,78,216,.15);transform:translateY(-2px)}
.rel-icon{font-size:22px;width:44px;height:44px;background:var(--cob-l);border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.rel-info .rel-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--charcoal);margin:0 0 3px;display:block}
.rel-info p{font-size:11px;color:var(--gray);margin:0}
.disclaimer-box{background:var(--bg);border:1px solid var(--border);border-left:4px solid var(--gray);border-radius:8px;padding:20px 24px;margin:44px 0 0;font-size:13px;color:var(--gray);line-height:1.72}
.disclaimer-box h2{font-size:16px !important;color:var(--charcoal) !important;margin:0 0 10px !important}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr !important}.info-band{grid-template-columns:repeat(2,1fr)}.tips-grid{grid-template-columns:1fr}.how-steps{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:repeat(2,1fr)}.tool-hero{padding:28px 22px 26px}.form-row-2{grid-template-columns:1fr}.whatif-grid{grid-template-columns:1fr}}
@media(max-width:640px){.info-band{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:1fr}.btn-row2{flex-direction:column !important}.tool-wrap h2{margin-top:36px}.grade-row{flex-direction:column}}
.example-box{overflow-x:hidden}
@media(max-width:768px){
.eg-row{flex-direction:column!important;gap:4px!important;align-items:flex-start!important}
.eg-row .er-val{text-align:left!important;max-width:100%!important;font-size:12px!important;width:100%!important}
.eg-row.eg-total .er-val{font-size:13px!important}
}
@media(min-width:769px){
.eg-row{gap:16px!important;align-items:flex-start!important}
.eg-row .er-lbl{flex:1!important;min-width:0!important}
.eg-row .er-val{flex-shrink:0!important;max-width:190px!important;text-align:right!important;font-size:12.5px!important}
.eg-row.eg-total .er-val{max-width:220px!important;font-size:13.5px!important}
}