/* ToolVerse global navigation and footer — shared, namespaced, and independent of calculator logic. */
:root { --tv-nav-bg: #07111f; --tv-nav-panel: #0d1b2d; --tv-nav-panel-strong: #10243a; --tv-nav-line: rgba(148,163,184,.20); --tv-nav-text: #dbeafe; --tv-nav-muted: #9fb2c9; --tv-nav-cyan: #67e8f9; --tv-nav-violet: #c4b5fd; }
.tv-sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.tv-global-header{position:relative;z-index:70;border-bottom:1px solid var(--tv-nav-line);background:rgba(7,17,31,.94);box-shadow:0 12px 28px rgba(0,0,0,.10)}
@supports(backdrop-filter:blur(1px)){.tv-global-header{backdrop-filter:blur(18px)}}
.tv-global-inner{width:min(1180px,calc(100% - 32px));min-height:74px;margin:0 auto;display:flex;align-items:center;gap:20px}
.tv-brand{display:inline-flex;flex:none;align-items:center;gap:9px;color:#fff!important;text-decoration:none!important;font-weight:850;font-size:18px;letter-spacing:-.025em}.tv-brand-mark{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:9px;background:linear-gradient(135deg,#67e8f9,#a78bfa);color:#07111f;font-size:10px;font-weight:950;box-shadow:0 6px 18px rgba(103,232,249,.22)}.tv-brand b{color:var(--tv-nav-cyan)}
.tv-desktop-nav{display:flex;align-items:center;gap:4px;margin-left:4px}.tv-menu{position:relative}.tv-menu>summary,.tv-mobile-nav>summary{display:flex;align-items:center;gap:7px;list-style:none;cursor:pointer;border-radius:10px;padding:10px 11px;color:var(--tv-nav-text);font-size:14px;font-weight:760;transition:background .18s ease,color .18s ease}.tv-menu>summary::-webkit-details-marker,.tv-mobile-nav>summary::-webkit-details-marker{display:none}.tv-menu>summary::after{content:'⌄';color:var(--tv-nav-cyan);font-size:14px;line-height:1;transition:transform .18s ease}.tv-menu[open]>summary{color:#fff;background:rgba(255,255,255,.075)}.tv-menu[open]>summary::after{transform:rotate(180deg)}
.tv-mega{position:fixed;top:74px;left:50%;width:min(1100px,calc(100vw - 32px));max-height:calc(100vh - 90px);overflow-y:auto;padding:18px;border:1px solid rgba(103,232,249,.19);border-radius:18px;background:linear-gradient(145deg,rgba(16,36,58,.985),rgba(7,17,31,.99));box-shadow:0 24px 58px rgba(0,0,0,.42);transform:translateX(-50%);display:none}.tv-menu[open]>.tv-mega{display:grid;grid-template-columns:minmax(0,1.75fr) minmax(196px,.75fr);gap:18px}.tv-mega-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.tv-menu[data-tv-menu="guides"] .tv-mega-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.tv-mega-group{padding:6px 5px}.tv-mega-title{display:block;margin:0 0 7px;color:var(--tv-nav-violet);font-size:11px;font-weight:850;letter-spacing:.10em;text-transform:uppercase}.tv-mega-link{display:block;padding:7px 8px;border-radius:9px;color:#e5f4ff!important;text-decoration:none!important;font-size:13px;line-height:1.3}.tv-mega-link:hover,.tv-mega-link:focus-visible{background:rgba(103,232,249,.11);color:#fff!important}.tv-mega-link span{display:block;margin-top:2px;color:#8ea7c0;font-size:11px;font-weight:550;line-height:1.35}.tv-feature{display:flex;flex-direction:column;justify-content:space-between;gap:14px;padding:16px;border:1px solid rgba(167,139,250,.26);border-radius:14px;background:linear-gradient(145deg,rgba(103,232,249,.10),rgba(167,139,250,.11))}.tv-feature-eyebrow{margin:0;color:var(--tv-nav-cyan);font-size:11px;font-weight:850;letter-spacing:.11em;text-transform:uppercase}.tv-feature-title{margin:6px 0 7px;color:#fff;font-size:17px;font-weight:700;line-height:1.22}.tv-feature p{margin:0;color:#c7d8ec;font-size:12px;line-height:1.45}.tv-feature a{display:inline-flex;align-items:center;justify-content:center;min-height:38px;border-radius:10px;background:var(--tv-nav-cyan);color:#062033!important;text-decoration:none!important;font-size:12px;font-weight:850;transition:transform .16s ease,box-shadow .16s ease}.tv-feature a:hover,.tv-feature a:focus-visible{transform:translateY(-1px);box-shadow:0 8px 20px rgba(103,232,249,.18)}
.tv-header-cta{margin-left:auto;display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:0 14px;border-radius:11px;background:linear-gradient(135deg,#67e8f9,#a78bfa);color:#07111f!important;text-decoration:none!important;font-size:13px;font-weight:900;white-space:nowrap;box-shadow:0 10px 20px rgba(103,232,249,.13);transition:transform .16s ease,box-shadow .16s ease}.tv-header-cta:hover,.tv-header-cta:focus-visible{transform:translateY(-1px);box-shadow:0 12px 25px rgba(103,232,249,.22)}
.tv-mobile-nav{display:none;margin-left:auto;position:relative}.tv-mobile-nav>summary{border:1px solid var(--tv-nav-line);color:#e7f4ff}.tv-mobile-nav[open]>summary{background:rgba(255,255,255,.08)}.tv-mobile-panel{position:absolute;right:0;top:calc(100% + 10px);width:min(360px,calc(100vw - 32px));padding:12px;border:1px solid rgba(103,232,249,.2);border-radius:16px;background:rgba(7,17,31,.99);box-shadow:0 24px 58px rgba(0,0,0,.48)}.tv-mobile-cta{display:flex;align-items:center;justify-content:center;min-height:44px;margin:4px;padding:0 14px;border-radius:10px;background:linear-gradient(135deg,#67e8f9,#a78bfa);color:#07111f!important;text-decoration:none!important;font-weight:900}.tv-mobile-section{border-top:1px solid var(--tv-nav-line)}.tv-mobile-section:first-of-type{margin-top:10px}.tv-mobile-section summary{display:flex;align-items:center;justify-content:space-between;list-style:none;cursor:pointer;padding:13px 9px;color:#f0f9ff;font-size:14px;font-weight:850}.tv-mobile-section summary::-webkit-details-marker{display:none}.tv-mobile-section summary::after{content:'+';color:var(--tv-nav-cyan);font-size:19px;font-weight:500}.tv-mobile-section[open] summary::after{content:'–'}.tv-mobile-categories{display:grid;gap:6px;padding:0 5px 12px}.tv-mobile-category{overflow:hidden;border:1px solid rgba(148,163,184,.16);border-radius:10px;background:rgba(16,36,58,.52)}.tv-mobile-category-toggle{width:100%;min-height:44px;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:11px 12px;border:0;background:transparent;color:#dff7ff;font:inherit;font-size:13px;font-weight:800;line-height:1.3;text-align:left;cursor:pointer;transition:background .18s ease,color .18s ease,transform .16s cubic-bezier(.23,1,.32,1)}.tv-mobile-category-toggle:hover{background:rgba(103,232,249,.08);color:#fff}.tv-mobile-category-toggle:active{transform:scale(.985)}.tv-mobile-category-toggle:focus-visible{outline:3px solid var(--tv-nav-cyan);outline-offset:-3px}.tv-mobile-category-chevron{width:18px;height:18px;flex:none;color:var(--tv-nav-cyan);transition:transform .2s cubic-bezier(.23,1,.32,1)}.tv-mobile-category-toggle[aria-expanded="true"] .tv-mobile-category-chevron{transform:rotate(90deg)}.tv-mobile-category-panel{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:3px;padding:7px;border-top:1px solid rgba(148,163,184,.16);background:rgba(4,12,24,.32)}.tv-mobile-category-panel[hidden]{display:none}.tv-mobile-category-panel a{min-width:0;padding:8px 7px;border-radius:8px;color:#cfe4f5!important;text-decoration:none!important;font-size:12px;line-height:1.3}.tv-mobile-category-panel a:hover,.tv-mobile-category-panel a:focus-visible{background:rgba(103,232,249,.10);color:#fff!important}.tv-mobile-links{display:grid;grid-template-columns:1fr 1fr;gap:4px;padding:0 5px 12px}.tv-mobile-links a{padding:8px 7px;border-radius:8px;color:#cfe4f5!important;text-decoration:none!important;font-size:12px;line-height:1.3}.tv-mobile-links a:hover,.tv-mobile-links a:focus-visible{background:rgba(103,232,249,.10);color:#fff!important}.tv-mobile-direct{display:grid;gap:4px;padding:7px 5px 4px}.tv-mobile-direct a{padding:9px 7px;color:#cfe4f5!important;text-decoration:none!important;font-size:13px;font-weight:700}.tv-mobile-direct a:hover,.tv-mobile-direct a:focus-visible{color:#fff!important}
.tv-footer{margin-top:56px;border-top:1px solid var(--tv-nav-line);background:linear-gradient(180deg,rgba(10,25,43,.72),rgba(4,12,24,.98));color:var(--tv-nav-muted)}.tv-footer-inner{width:min(1180px,calc(100% - 32px));margin:0 auto;padding:42px 0 24px}.tv-footer-grid{display:grid;grid-template-columns:1.45fr repeat(4,minmax(0,1fr));gap:28px}.tv-footer-brand{max-width:260px}.tv-footer-brand .tv-brand{margin-bottom:12px}.tv-footer-brand p{margin:0;color:#9db1c9;font-size:13px;line-height:1.55}.tv-footer-heading{margin:0 0 11px;color:#dff7ff;font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.tv-footer-column{display:grid;align-content:start;gap:7px}.tv-footer-column a{color:#a8bed4!important;text-decoration:none!important;font-size:13px;line-height:1.35}.tv-footer-column a:hover,.tv-footer-column a:focus-visible{color:var(--tv-nav-cyan)!important;text-decoration:underline!important}.tv-footer-bottom{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-top:34px;padding-top:18px;border-top:1px solid var(--tv-nav-line);color:#7187a0;font-size:11px}.tv-footer-bottom p{margin:0;max-width:700px;line-height:1.45}
.tv-global-header a:focus-visible,.tv-global-header summary:focus-visible,.tv-footer a:focus-visible{outline:3px solid #67e8f9;outline-offset:3px}
@media(max-width:980px){.tv-desktop-nav,.tv-header-cta{display:none}.tv-mobile-nav{display:block}.tv-global-inner{min-height:66px}.tv-footer-grid{grid-template-columns:1.25fr repeat(2,minmax(0,1fr));gap:26px}.tv-footer-brand{grid-row:span 2}}
@media(max-width:620px){.tv-global-inner,.tv-footer-inner{width:min(100% - 28px,1180px)}.tv-brand{font-size:17px}.tv-brand-mark{width:27px;height:27px}.tv-mobile-panel{right:-1px;width:min(390px,calc(100vw - 28px));max-height:calc(100vh - 86px);overflow:auto}.tv-mega-grid{grid-template-columns:1fr}.tv-footer{margin-top:42px}.tv-footer-inner{padding-top:32px}.tv-footer-grid{grid-template-columns:1fr 1fr;gap:24px 17px}.tv-footer-brand{grid-column:1/-1;grid-row:auto;max-width:340px}.tv-footer-bottom{align-items:flex-start;flex-direction:column;gap:8px;margin-top:27px}.tv-mobile-category-panel,.tv-mobile-links{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.tv-global-header *, .tv-footer *{transition:none!important;animation:none!important}}

/* Premium footer architecture */
.tv-footer-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-bottom:34px;padding:20px 22px;border:1px solid rgba(103,232,249,.16);border-radius:16px;background:linear-gradient(105deg,rgba(103,232,249,.08),rgba(167,139,250,.09))}.tv-footer-cta-eyebrow{margin:0 0 5px;color:var(--tv-nav-cyan);font-size:10px;font-weight:900;letter-spacing:.12em;text-transform:uppercase}.tv-footer-cta h2{margin:0;color:#f3f9ff;font-size:clamp(18px,2vw,23px);line-height:1.2}.tv-footer-cta p:not(.tv-footer-cta-eyebrow){margin:6px 0 0;color:#9fb2c9;font-size:12px;line-height:1.45}.tv-footer-cta-link{display:inline-flex;flex:none;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:0 16px;border-radius:11px;background:linear-gradient(135deg,#67e8f9,#a78bfa);color:#07111f!important;text-decoration:none!important;font-size:12px;font-weight:900;white-space:nowrap;box-shadow:0 10px 20px rgba(103,232,249,.12);transition:transform .16s cubic-bezier(.23,1,.32,1),box-shadow .16s ease}.tv-footer-cta-link:hover,.tv-footer-cta-link:focus-visible{transform:translateY(-1px);box-shadow:0 12px 25px rgba(103,232,249,.2)}.tv-footer-accordion-toggle{display:none}.tv-footer-accordion-panel{display:grid;align-content:start;gap:7px}.tv-footer-trust{margin-top:13px!important;color:#c4b5fd!important;font-size:11px!important;font-weight:750!important;letter-spacing:.02em}
@media(max-width:980px){.tv-footer-cta{align-items:flex-start;flex-direction:column;gap:14px}.tv-footer-grid{grid-template-columns:1fr;gap:0}.tv-footer-brand{grid-column:auto;max-width:420px;padding-bottom:20px}.tv-footer-accordion{display:block;border-top:1px solid var(--tv-nav-line)}.tv-footer-accordion-toggle{width:100%;min-height:44px;display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 0;border:0;background:transparent;color:#dff7ff;font:inherit;font-size:12px;font-weight:900;letter-spacing:.1em;text-align:left;text-transform:uppercase;cursor:pointer;transition:color .16s ease,transform .16s cubic-bezier(.23,1,.32,1)}.tv-footer-accordion-toggle:hover{color:#fff}.tv-footer-accordion-toggle:active{transform:scale(.985)}.tv-footer-accordion-toggle:focus-visible{outline:3px solid var(--tv-nav-cyan);outline-offset:3px;border-radius:5px}.tv-footer-chevron{width:18px;height:18px;flex:none;color:var(--tv-nav-cyan);transition:transform .2s cubic-bezier(.23,1,.32,1)}.tv-footer-accordion-toggle[aria-expanded="true"] .tv-footer-chevron{transform:rotate(180deg)}.tv-footer-accordion>.tv-footer-heading{display:none}.tv-footer-accordion-panel{gap:5px;padding:0 0 14px}.tv-footer-accordion-panel[hidden]{display:none}.tv-footer-accordion-panel a{display:block;padding:7px 0}.tv-footer-bottom{margin-top:24px}}
@media(max-width:620px){.tv-footer-inner{padding-top:30px}.tv-footer-cta{margin-bottom:24px;padding:17px}.tv-footer-cta h2{font-size:18px}.tv-footer-cta p:not(.tv-footer-cta-eyebrow){font-size:11px}.tv-footer-cta-link{width:100%}.tv-footer-bottom{padding-top:16px}}
@media(min-width:981px){.tv-footer-accordion-panel[hidden]{display:grid}}
@media(prefers-reduced-motion:reduce){.tv-footer-cta-link,.tv-footer-accordion-toggle,.tv-footer-chevron{transition:none!important}}

/* Homepage public-source ticker: contextual trust signal, not an endorsement or partner strip. */
.tv-source-ticker{overflow:hidden}.tv-source-ticker-shell{display:grid;gap:20px;overflow:hidden;border:1px solid rgba(103,232,249,.18);border-radius:24px;background:linear-gradient(110deg,rgba(34,211,238,.065),rgba(15,23,42,.38) 48%,rgba(167,139,250,.075));padding:20px 22px;box-shadow:0 18px 46px rgba(2,6,23,.18)}.tv-source-ticker-heading{min-width:0}.tv-source-ticker-eyebrow{margin:0;color:#67e8f9;font-size:10px;font-weight:900;letter-spacing:.18em;text-transform:uppercase}.tv-source-ticker-heading h2{margin:8px 0 0;color:#f8fafc;font-size:21px;font-weight:900;letter-spacing:-.025em}.tv-source-ticker-heading p:not(.tv-source-ticker-eyebrow){max-width:44rem;margin:8px 0 0;color:#9fb2c9;font-size:12px;line-height:1.6}.tv-source-ticker-viewport{min-width:0;overflow:hidden;border:1px solid rgba(255,255,255,.11);border-radius:18px;background:rgba(2,6,23,.38);padding:14px 0;mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}.tv-source-ticker-viewport:focus-visible{outline:3px solid #67e8f9;outline-offset:3px}.tv-source-ticker-run{display:flex;width:max-content;gap:14px;animation:tv-source-ticker-scroll 42s linear infinite;will-change:transform}.tv-source-ticker-track{display:flex;flex:none;align-items:stretch;gap:14px;margin:0;padding:0;list-style:none}.tv-source-ticker-track li{display:flex;min-width:150px;align-items:center;gap:11px;padding:12px 14px;border:1px solid rgba(148,163,184,.18);border-radius:14px;background:linear-gradient(145deg,rgba(30,41,59,.74),rgba(15,23,42,.55));box-shadow:inset 0 1px 0 rgba(255,255,255,.05),0 8px 18px rgba(2,6,23,.18);white-space:nowrap;color:#e2e8f0;font-size:11px;font-weight:800;line-height:1.25}.tv-source-mark{display:inline-grid;flex:none;place-items:center;min-width:35px;height:27px;padding:0 6px;border:1px solid rgba(103,232,249,.35);border-radius:8px;background:linear-gradient(135deg,rgba(103,232,249,.18),rgba(167,139,250,.18));color:#a5f3fc;font-size:9px;font-weight:950;letter-spacing:.04em}.tv-source-ticker-viewport:hover .tv-source-ticker-run,.tv-source-ticker-viewport:focus-within .tv-source-ticker-run{animation-play-state:paused}@keyframes tv-source-ticker-scroll{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}
@media(min-width:760px){.tv-source-ticker-shell{grid-template-columns:minmax(250px,.72fr) minmax(0,1.28fr);align-items:center;gap:28px;padding:24px 26px}.tv-source-ticker-heading h2{font-size:22px}.tv-source-ticker-viewport{padding:17px 0}.tv-source-ticker-track li{min-width:175px;padding:14px 16px;font-size:12px}.tv-source-mark{min-width:39px;height:29px}}
@media(max-width:759px){.tv-source-ticker-track li{min-width:156px}.tv-source-ticker-track li:last-child{min-width:180px}}
@media(prefers-reduced-motion:reduce){.tv-source-ticker-run{animation:none}.tv-source-ticker-track[aria-hidden="true"]{display:none}}

.tv-menu-section-label{display:block;padding:.55rem 1rem .25rem;color:#67e8f9;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}.tv-menu-panel>[data-fintech-center]{border-top:1px solid rgba(148,163,184,.15);margin-top:.35rem;padding-top:.25rem}

/* Financial Centers polish: reuse the native footer/mobile patterns with a quiet category accent. */
.tv-footer-accordion[data-fintech-footer-enhanced="true"] .tv-footer-accordion-panel a{min-width:0}
.tv-mobile-category[data-fintech-mobile-category="true"]{border-color:rgba(103,232,249,.24);background:linear-gradient(145deg,rgba(16,36,58,.62),rgba(16,36,58,.42))}
.tv-mobile-category[data-fintech-mobile-category="true"] .tv-mobile-category-toggle{color:#e8fbff}
@media(min-width:981px){.tv-global-inner{gap:22px}.tv-desktop-nav{min-width:0;flex:none}.tv-menu>summary{white-space:nowrap}}
@media(max-width:980px){.tv-footer-accordion[data-fintech-footer-enhanced="true"] .tv-footer-accordion-panel{padding-bottom:16px}}