/* ═══════════════════════════════════════════════════════
       VARIABLE BRIDGE — maps simulator's --teal token to
       the site's --emerald system so simulator CSS works
    ═══════════════════════════════════════════════════════ */
    :root {
      --teal:              var(--emerald);
      --teal-dim:          var(--emerald-dim);
      --gold-border-hover: rgba(212,175,55,0.35);
    }

    /* ═══════════════════════════════════════════════════════
       ARTICLE PAGE-LOCAL STYLES
    ═══════════════════════════════════════════════════════ */
    .reform-banner{background:linear-gradient(135deg,rgba(80,200,120,.08),rgba(212,175,55,.06));border:1px solid var(--emerald-border);border-radius:var(--radius-lg);padding:1.75rem;margin:2rem 0}
    .reform-badge{display:inline-block;background:linear-gradient(135deg,var(--emerald),var(--emerald-dim));color:#080c14;font-family:var(--font-mono);font-size:.7rem;font-weight:700;padding:.25rem .85rem;border-radius:20px;letter-spacing:.05em;margin-bottom:.75rem}
    .reform-title{font-family:var(--font-display);font-size:1.25rem;font-weight:700;color:var(--emerald);margin-bottom:.5rem}
    .reform-stats{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:.75rem;margin-top:1rem}
    .reform-stat-box{border-radius:8px;padding:.75rem;text-align:center}
    .reform-stat-box.gold{background:rgba(212,175,55,.06);border:1px solid var(--gold-border)}
    .reform-stat-box.emerald{background:rgba(80,200,120,.08);border:1px solid var(--emerald-border)}
    .reform-stat-num{font-family:var(--font-mono);font-size:1.2rem;font-weight:700}
    .reform-stat-box.gold .reform-stat-num{color:var(--gold)}
    .reform-stat-box.emerald .reform-stat-num{color:var(--emerald)}
    .reform-stat-label{font-size:.75rem;color:var(--text-muted);margin-top:.2rem}

    .factor-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:.85rem;margin:1.5rem 0}
    .factor-card{background:var(--bg-glass);backdrop-filter:blur(10px);border:1px solid var(--border-subtle);border-radius:var(--radius-sm);padding:1rem;display:flex;gap:.85rem;align-items:flex-start;transition:border-color .2s}
    .factor-card:hover{border-color:var(--gold-border)}
    .factor-num{font-family:var(--font-mono);font-size:.7rem;font-weight:700;color:var(--gold);background:var(--gold-glow);border:1px solid var(--gold-border);border-radius:50%;width:26px;height:26px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .factor-info-name{font-size:.85rem;font-weight:600;color:var(--text-primary);margin-bottom:.2rem}
    .factor-info-desc{font-size:.78rem;color:var(--text-muted);line-height:1.5}
    .factor-expat-tag{display:inline-block;font-family:var(--font-mono);font-size:.6rem;font-weight:700;padding:.1rem .45rem;border-radius:10px;margin-top:.35rem;letter-spacing:.03em}
    .tag-win{background:rgba(80,200,120,.12);color:var(--emerald);border:1px solid var(--emerald-border)}
    .tag-watch{background:rgba(251,191,36,.1);color:var(--color-amber);border:1px solid rgba(251,191,36,.2)}
    .tag-neutral{background:rgba(255,255,255,.04);color:var(--text-muted);border:1px solid var(--border-subtle)}

    .score-scale{margin:2rem 0;display:flex;flex-direction:column;gap:.6rem}
    .score-row{display:flex;align-items:center;gap:1rem}
    .score-range{font-family:var(--font-mono);font-size:.78rem;font-weight:700;min-width:80px;color:var(--text-muted)}
    .score-bar-outer{flex:1;height:10px;background:rgba(255,255,255,.05);border-radius:20px;overflow:hidden}
    .score-bar-inner{height:100%;border-radius:20px}
    .score-label{font-size:.8rem;font-weight:600;min-width:140px}

    .build-steps{counter-reset:step;margin:2rem 0}
    .build-step{display:grid;grid-template-columns:auto 1fr;gap:1.25rem;margin-bottom:1.5rem;padding-bottom:1.5rem;border-bottom:1px solid var(--border-subtle)}
    .build-step:last-child{border-bottom:none}
    .build-step-num{width:44px;height:44px;border-radius:50%;background:var(--gold-glow);border:2px solid var(--gold-border);color:var(--gold);font-family:var(--font-mono);font-size:1rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .build-step-phase{font-family:var(--font-mono);font-size:.72rem;color:var(--emerald);text-transform:uppercase;letter-spacing:.07em;margin-bottom:.3rem}
    .build-step-title{font-family:var(--font-display);font-size:1.05rem;font-weight:700;margin-bottom:.35rem}
    .build-step-desc{font-size:.87rem;color:var(--text-secondary);line-height:1.65}
    .build-step-tip{margin-top:.6rem;font-size:.8rem;color:var(--text-muted);background:var(--gold-glow);border-left:2px solid var(--gold-border);padding:.5rem .75rem;border-radius:0 var(--radius-sm) var(--radius-sm) 0}
    .build-step-tip strong{color:var(--gold)}

    .bank-table-wrap{overflow-x:auto;margin:1.5rem 0}
    .bank-table{width:100%;border-collapse:collapse;font-size:.85rem}
    .bank-table th{font-family:var(--font-mono);font-size:.72rem;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.05em;padding:.65rem .85rem;border-bottom:1px solid var(--border);text-align:left;white-space:nowrap}
    .bank-table td{padding:.75rem .85rem;border-bottom:1px solid var(--border-subtle);color:var(--text-secondary);vertical-align:top}
    .bank-table tr:hover td{background:rgba(255,255,255,.02)}
    .bank-table .bank-name-cell{font-weight:600;color:var(--text-primary);white-space:nowrap}
    .pill{display:inline-block;font-family:var(--font-mono);font-size:.65rem;font-weight:700;padding:.15rem .55rem;border-radius:20px;letter-spacing:.04em}
    .pill-green{background:rgba(80,200,120,.12);color:var(--emerald);border:1px solid var(--emerald-border)}
    .pill-gold{background:var(--gold-glow);color:var(--gold);border:1px solid var(--gold-border)}
    .pill-red{background:rgba(239,68,68,.08);color:#EF4444;border:1px solid rgba(239,68,68,.2)}

    .mistake-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:.85rem;margin:1.5rem 0}
    .mistake-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius-md);padding:1.1rem 1.25rem;transition:border-color .2s}
    .mistake-card:hover{border-color:rgba(239,68,68,.25)}
    .mistake-icon{font-size:1.3rem;margin-bottom:.5rem}
    .mistake-title{font-size:.9rem;font-weight:700;color:var(--text-primary);margin-bottom:.4rem}
    .mistake-desc{font-size:.8rem;color:var(--text-muted);line-height:1.55}
    .mistake-fix{margin-top:.55rem;font-size:.78rem;color:var(--emerald);font-family:var(--font-mono)}

    .rights-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:.85rem;margin:1.5rem 0}
    .right-card{background:var(--bg-card);border:1px solid var(--border-subtle);border-radius:var(--radius-md);padding:1.1rem;transition:border-color .2s}
    .right-card:hover{border-color:var(--gold-border)}
    .right-icon{font-size:1.4rem;margin-bottom:.5rem}
    .right-title{font-weight:700;font-size:.9rem;margin-bottom:.35rem;color:var(--text-primary)}
    .right-desc{font-size:.8rem;color:var(--text-muted);line-height:1.55}
    .right-law{font-family:var(--font-mono);font-size:.68rem;color:var(--emerald);margin-top:.5rem}

    .callout-gold{background:rgba(212,175,55,.05);border:1px solid var(--gold-border);border-radius:var(--radius-sm);padding:1rem 1.25rem;margin:1.5rem 0;font-size:.87rem}
    .callout-red{background:rgba(239,68,68,.05);border:1px solid rgba(239,68,68,.18);border-radius:var(--radius-sm);padding:1rem 1.25rem;margin:1.5rem 0;font-size:.87rem}
    .callout-emerald{background:rgba(80,200,120,.05);border:1px solid var(--emerald-border);border-radius:var(--radius-sm);padding:1rem 1.25rem;margin:1.5rem 0;font-size:.87rem}
    .section-divider{border:none;border-top:1px solid var(--border-subtle);margin:2.5rem 0}

    .faq-list{list-style:none;padding:0;margin:1.5rem 0}
    .faq-item{border-bottom:1px solid var(--border-subtle)}
    .faq-item:first-child{border-top:1px solid var(--border-subtle)}
    .faq-q{width:100%;background:none;border:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1rem 0;font-family:var(--font-body);font-size:.95rem;font-weight:600;color:var(--text-primary);cursor:pointer;text-align:left;transition:color .2s}
    .faq-q:hover{color:var(--gold)}
    .faq-icon{font-family:var(--font-mono);font-size:1.1rem;color:var(--gold);flex-shrink:0;transition:transform .25s}
    .faq-q[aria-expanded="true"] .faq-icon{transform:rotate(45deg)}
    .faq-a{display:none;font-size:.9rem;color:var(--text-secondary);line-height:1.7;padding:0 0 1rem}
    .faq-a.open{display:block}

    /* ═══════════════════════════════════════════════════════
       SIMULATOR EMBED WRAPPER — replaces the iframe block
    ═══════════════════════════════════════════════════════ */
    #simulator-section{
      background:linear-gradient(135deg,rgba(26,32,53,.9),rgba(17,24,39,.95));
      border:1px solid var(--gold-border);
      border-radius:var(--radius-lg);
      padding:2rem 1.5rem 1.75rem;
      margin:2.5rem 0;
      position:relative;
      overflow:hidden;
    }
    #simulator-section::before{
      content:'';position:absolute;inset:0;z-index:0;
      background:radial-gradient(ellipse 60% 60% at 50% 0%,rgba(212,175,55,.04),transparent 70%);
      pointer-events:none;
    }
    #simulator-section > *{position:relative;z-index:1}
    .sim-section-eyebrow{font-family:var(--font-mono);font-size:.72rem;font-weight:700;color:var(--gold);letter-spacing:.08em;text-transform:uppercase;text-align:center;margin-bottom:.5rem}
    .sim-section-heading{font-family:var(--font-display);font-size:1.4rem;font-weight:700;color:var(--text-primary);text-align:center;margin-bottom:.5rem}
    .sim-section-sub{font-size:.9rem;color:var(--text-secondary);max-width:480px;margin:0 auto 1.5rem;text-align:center;line-height:1.6}
    .sim-trust{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;font-family:var(--font-mono);font-size:.7rem;color:var(--text-muted);margin-top:1.25rem}
    .sim-trust span::before{content:'✓ ';color:var(--emerald)}

    /* ═══════════════════════════════════════════════════════
       SIMULATOR COMPONENT STYLES (inlined from schufa-simulator.html)
    ═══════════════════════════════════════════════════════ */
    .sim-wrap{max-width:720px;margin:0 auto}
    .sim-progress-header{text-align:center;margin-bottom:2rem}
    .sim-eyebrow{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);border:1px solid var(--gold-border);border-radius:20px;padding:.25rem 1rem;display:inline-block;margin-bottom:.85rem;background:var(--gold-glow)}
    .sim-title{font-family:var(--font-display);font-size:clamp(1.4rem,3vw,2rem);color:var(--gold-light);margin-bottom:.4rem}
    .sim-subtitle{font-size:.93rem;color:var(--text-muted);margin-bottom:1.5rem}
    .step-tracker{display:flex;align-items:center;justify-content:center;gap:0;margin-bottom:.65rem}
    .step-dot{width:10px;height:10px;border-radius:50%;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);transition:all .4s}
    .step-dot.active{background:var(--gold);border-color:var(--gold);box-shadow:0 0 12px rgba(212,175,55,.5);transform:scale(1.25)}
    .step-dot.done{background:var(--teal);border-color:var(--teal)}
    .step-connector{width:36px;height:1px;background:rgba(255,255,255,.08);transition:background .4s}
    .step-connector.done{background:var(--teal)}
    .step-label{font-family:var(--font-mono);font-size:.72rem;color:var(--text-muted);text-align:center;margin-top:.5rem}
    .sim-progress-track{height:3px;background:rgba(255,255,255,.06);border-radius:2px;margin-top:.85rem;overflow:hidden}
    .sim-progress-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:2px;transition:width .5s cubic-bezier(.4,0,.2,1)}
    .sim-card{background:var(--bg-card);border:1px solid var(--border);border-radius:16px;padding:2rem;box-shadow:0 8px 48px rgba(0,0,0,.5);animation:simCardIn .4s cubic-bezier(.4,0,.2,1);position:relative;overflow:hidden}
    .sim-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold-dim),transparent)}
    @keyframes simCardIn{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
    @keyframes simCardOut{from{opacity:1;transform:translateY(0)}to{opacity:0;transform:translateY(-20px)}}
    .sim-card.leaving{animation:simCardOut .28s ease forwards}
    .sim-q-number{font-family:var(--font-mono);font-size:.72rem;color:var(--gold);letter-spacing:.1em;margin-bottom:.6rem}
    .sim-question{font-family:var(--font-display);font-size:clamp(1.1rem,2.5vw,1.5rem);color:var(--text-primary);margin-bottom:.5rem;line-height:1.3}
    .sim-q-hint{font-size:.88rem;color:var(--text-muted);margin-bottom:1.75rem;line-height:1.65}
    .sim-options{display:flex;flex-direction:column;gap:.75rem}
    .sim-option{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.08);border-radius:10px;padding:1rem 1.25rem;cursor:pointer;transition:all .2s;display:flex;align-items:center;gap:1rem;position:relative}
    .sim-option:hover{border-color:var(--gold-border-hover);background:var(--gold-glow);transform:translateX(4px)}
    .sim-option.selected{border-color:var(--gold);background:linear-gradient(135deg,rgba(212,175,55,.12),rgba(212,175,55,.05));box-shadow:0 0 24px rgba(212,175,55,.15),inset 0 0 0 1px var(--gold)}
    .opt-radio{width:20px;height:20px;border-radius:50%;border:1.5px solid rgba(255,255,255,.2);flex-shrink:0;transition:all .2s;position:relative}
    .sim-option.selected .opt-radio{background:var(--gold);border-color:var(--gold);box-shadow:0 0 12px rgba(212,175,55,.6)}
    .sim-option.selected .opt-radio::after{content:'';position:absolute;inset:3px;background:var(--bg-card);border-radius:50%}
    .opt-content{flex:1}
    .opt-label{font-size:1rem;color:var(--text-primary);font-weight:500}
    .opt-sub{font-size:.82rem;color:var(--text-muted);margin-top:.2rem}
    .opt-badge{font-family:var(--font-mono);font-size:.68rem;padding:.15rem .55rem;border-radius:20px;font-weight:600;letter-spacing:.06em;flex-shrink:0}
    .badge-best{background:rgba(80,200,120,.12);color:var(--teal);border:1px solid rgba(80,200,120,.25)}
    .badge-neutral{background:rgba(212,175,55,.08);color:var(--gold-dim);border:1px solid var(--gold-border)}
    .badge-risk{background:rgba(239,68,68,.1);color:#EF4444;border:1px solid rgba(239,68,68,.2)}
    .sim-nav{display:flex;align-items:center;justify-content:space-between;margin-top:1.75rem;padding-top:1.25rem;border-top:1px solid var(--border-subtle)}
    .sim-back-btn{background:transparent;border:1px solid var(--border);color:var(--text-muted);padding:.6rem 1.25rem;border-radius:8px;cursor:pointer;font-size:.875rem;font-family:var(--font-body);transition:all .2s}
    .sim-back-btn:hover{border-color:var(--text-muted);color:var(--text-secondary)}
    .sim-next-btn{background:linear-gradient(135deg,var(--gold) 0%,#a07830 100%);color:#080c10;font-weight:700;font-size:.9rem;letter-spacing:.05em;padding:.7rem 2rem;border-radius:8px;border:none;cursor:pointer;transition:all .2s;font-family:var(--font-body);opacity:.4;pointer-events:none}
    .sim-next-btn.enabled{opacity:1;pointer-events:all}
    .sim-next-btn.enabled:hover{box-shadow:0 4px 20px rgba(212,175,55,.4);transform:translateY(-1px)}
    .sim-calculating{text-align:center;padding:3rem 1.5rem;display:none}
    .calc-spinner{width:64px;height:64px;border-radius:50%;border:2px solid var(--border);border-top-color:var(--gold);animation:simSpin 1s linear infinite;margin:0 auto 1.5rem}
    @keyframes simSpin{to{transform:rotate(360deg)}}
    .calc-text{font-family:var(--font-display);font-size:1.4rem;color:var(--gold-light);margin-bottom:.5rem}
    .calc-sub{font-size:.9rem;color:var(--text-muted)}
    .calc-steps{margin:1.5rem auto 0;display:flex;flex-direction:column;gap:.5rem;max-width:280px}
    .calc-step{font-family:var(--font-mono);font-size:.78rem;color:var(--text-muted);opacity:0;transform:translateX(-8px);transition:all .4s}
    .calc-step.visible{opacity:1;transform:translateX(0)}
    .calc-step::before{content:'→ ';color:var(--teal)}
    .sim-result{display:none}
    .result-hero{text-align:center;padding:2rem 1.5rem 1.5rem;background:var(--bg-card);border:1px solid var(--border);border-radius:16px;margin-bottom:1.5rem;position:relative;overflow:hidden}
    .result-hero::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--teal),var(--gold),var(--teal))}
    .gauge-wrap{position:relative;width:220px;margin:0 auto 1.25rem}
    #gauge-svg{width:100%;overflow:visible}
    .gauge-score-text{position:absolute;left:50%;top:62%;transform:translate(-50%,-50%);text-align:center;pointer-events:none}
    .gauge-num{font-family:var(--font-display);font-size:2.8rem;font-weight:700;line-height:1;color:var(--gold-light)}
    .gauge-max{font-family:var(--font-mono);font-size:.72rem;color:var(--text-muted);letter-spacing:.1em}
    .gauge-label{font-family:var(--font-display);font-size:1.4rem;font-weight:600;margin-bottom:.25rem}
    .gauge-desc{font-size:.9rem;color:var(--text-muted);max-width:440px;margin:0 auto;line-height:1.65}
    .score-pills{display:flex;justify-content:center;gap:.6rem;flex-wrap:wrap;margin:1rem 0 0}
    .score-pill{font-family:var(--font-mono);font-size:.72rem;padding:.25rem .75rem;border-radius:20px;letter-spacing:.06em}
    .factors-card{background:var(--bg-card);border:1px solid var(--border);border-radius:16px;padding:1.5rem;margin-bottom:1.5rem}
    .factors-title{font-family:var(--font-display);font-size:1.25rem;color:var(--gold-light);margin-bottom:1.25rem}
    .factor-item{display:flex;align-items:center;gap:.75rem;margin-bottom:.9rem}
    .factor-label{font-size:.83rem;color:var(--text-secondary);width:155px;flex-shrink:0;line-height:1.3}
    .factor-bar-wrap{flex:1;height:6px;background:rgba(255,255,255,.06);border-radius:3px;overflow:hidden}
    .factor-bar{height:100%;border-radius:3px;transition:width 1.2s cubic-bezier(.4,0,.2,1)}
    .factor-val{font-family:var(--font-mono);font-size:.78rem;color:var(--text-muted);width:36px;text-align:right;flex-shrink:0}
    .banks-title{font-family:var(--font-display);font-size:1.6rem;color:var(--gold-light);margin-bottom:.35rem}
    .banks-sub{font-size:.9rem;color:var(--text-muted);margin-bottom:1.25rem;line-height:1.6}
    .bank-cards{display:flex;flex-direction:column;gap:1rem}
    .bank-card{background:var(--bg-card);border:1px solid var(--border);border-radius:14px;padding:1.25rem 1.5rem;transition:all .25s;position:relative;overflow:hidden}
    .bank-card:hover{border-color:var(--gold-border-hover);transform:translateY(-2px);box-shadow:0 8px 32px rgba(0,0,0,.4),0 0 24px rgba(212,175,55,.1)}
    .bank-card.featured{border-color:rgba(80,200,120,.35);box-shadow:0 4px 24px rgba(80,200,120,.07)}
    .bank-card.featured::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--teal),var(--gold))}
    .bank-top{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;margin-bottom:.85rem}
    .bank-rank-badge{font-family:var(--font-mono);font-size:.68rem;font-weight:700;padding:.2rem .6rem;border-radius:20px;letter-spacing:.08em;text-transform:uppercase;flex-shrink:0}
    .rank-1{background:rgba(80,200,120,.12);color:var(--teal);border:1px solid rgba(80,200,120,.3)}
    .rank-2{background:rgba(212,175,55,.1);color:var(--gold);border:1px solid var(--gold-border)}
    .rank-3{background:rgba(255,255,255,.05);color:var(--text-muted);border:1px solid var(--border-subtle)}
    .bank-name{font-family:var(--font-display);font-size:1.25rem;font-weight:700;color:var(--text-primary)}
    .bank-tagline{font-size:.88rem;color:var(--text-muted);margin-top:.2rem}
    .bank-features{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1rem}
    .bank-feat{font-size:.78rem;color:var(--text-secondary);background:rgba(255,255,255,.04);border:1px solid var(--border-subtle);border-radius:6px;padding:.2rem .6rem;display:flex;align-items:center;gap:.3rem}
    .feat-check{color:var(--teal);font-size:.7rem}
    .bank-bottom{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap}
    .bank-cta{background:linear-gradient(135deg,var(--gold) 0%,#a07830 100%);color:#080c10!important;font-weight:700;font-size:.85rem;letter-spacing:.05em;padding:.65rem 1.5rem;border-radius:7px;text-decoration:none;transition:all .2s;display:inline-flex;align-items:center;gap:.4rem;border:none;cursor:pointer;font-family:var(--font-body);flex-shrink:0}
    .bank-cta:hover{box-shadow:0 4px 20px rgba(212,175,55,.5);transform:translateY(-1px);color:#080c10!important}
    .bank-cta.teal-cta{background:linear-gradient(135deg,var(--teal) 0%,var(--teal-dim) 100%)}
    .bank-cta.teal-cta:hover{box-shadow:0 4px 20px rgba(80,200,120,.4)}
    .next-steps-card{background:var(--bg-card);border:1px solid var(--border);border-radius:16px;padding:1.5rem;margin-top:1.5rem}
    .next-steps-title{font-family:var(--font-display);font-size:1.25rem;color:var(--text-primary);margin-bottom:1.25rem}
    .next-step-item{display:flex;align-items:flex-start;gap:1rem;padding:.85rem 0;border-bottom:1px solid var(--border-subtle)}
    .next-step-item:last-child{border-bottom:none}
    .step-num-circle{width:28px;height:28px;border-radius:50%;background:var(--gold-glow);border:1px solid var(--gold-border);color:var(--gold);font-weight:700;font-size:.78rem;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:var(--font-mono);margin-top:.1rem}
    .next-step-text{font-size:.92rem;color:var(--text-secondary);line-height:1.65}
    .next-step-text strong{color:var(--text-primary)}
    .restart-btn{background:transparent;border:1px solid var(--border);color:var(--text-muted);padding:.6rem 1.5rem;border-radius:8px;cursor:pointer;font-size:.875rem;font-family:var(--font-body);transition:all .2s;display:block;margin:1.5rem auto 0;text-align:center}
    .restart-btn:hover{border-color:var(--text-muted);color:var(--text-secondary)}
    .sim-disclaimer{font-size:.78rem;color:var(--text-muted);text-align:center;margin-top:2rem;line-height:1.65;border-top:1px solid var(--border-subtle);padding-top:1.5rem}
    .trust-mini{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;margin-top:1.25rem}
    .trust-mini-item{font-family:var(--font-mono);font-size:.72rem;color:var(--text-muted);display:flex;align-items:center;gap:.4rem;letter-spacing:.04em}
    .trust-mini-dot{width:6px;height:6px;border-radius:50%;background:var(--teal)}
    .bank-why-box{font-size:.85rem;color:var(--text-muted);margin-bottom:1rem;line-height:1.65;border-left:2px solid rgba(212,175,55,.3);padding-left:.75rem}

    /* Sticky CTA bar (simulator result) */
    #sticky-cta-bar{position:fixed;bottom:0;left:0;right:0;background:rgba(10,14,23,.97);border-top:1px solid var(--gold-border);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);padding:.85rem 1.5rem;z-index:9990;transform:translateY(100%);transition:transform .4s cubic-bezier(.4,0,.2,1);display:flex;align-items:center;justify-content:space-between;gap:1rem}
    #sticky-cta-bar.visible{transform:translateY(0)}
    .sticky-text{font-size:.88rem;color:var(--text-secondary)}
    .sticky-text strong{color:var(--gold-light)}
    .sticky-cta-btn{background:linear-gradient(135deg,var(--gold) 0%,#a07830 100%);color:#080c10!important;font-weight:700;font-size:.82rem;padding:.6rem 1.4rem;border-radius:7px;text-decoration:none;white-space:nowrap;flex-shrink:0;transition:all .2s}
    .sticky-cta-btn:hover{box-shadow:0 4px 16px rgba(212,175,55,.4);color:#080c10!important}

    @media(max-width:600px){
      .sim-card{padding:1.25rem 1rem}
      .factor-label{width:110px;font-size:.78rem}
      .bank-card{padding:1rem}
      .bank-bottom{flex-direction:column;align-items:flex-start}
      .bank-cta{width:100%;justify-content:center}
      #sticky-cta-bar{flex-direction:column;gap:.5rem;text-align:center}
      .sticky-cta-btn{width:100%;text-align:center;display:block}
    }