.ltv-badge {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 8px 16px; border-radius: 10px;
    font-family: var(--font-head); font-weight: 700; font-size: .88rem;
    margin-bottom: 18px; width: 100%;
  }
  .ltv-badge.ltv-safe   { background: #e6f4ec; color: var(--green); }
  .ltv-badge.ltv-warn   { background: #fef9c3; color: #92400e; }
  .ltv-badge.ltv-danger { background: #fee2e2; color: #dc2626; }
  .ltv-badge__bar-wrap  { flex: 1; height: 6px; background: var(--gray-l); border-radius: 100px; overflow: hidden; }
  .ltv-badge__bar       { height: 100%; border-radius: 100px; transition: width .5s ease; }
  .ltv-badge.ltv-safe   .ltv-badge__bar { background: var(--green); }
  .ltv-badge.ltv-warn   .ltv-badge__bar { background: #ca8a04; }
  .ltv-badge.ltv-danger .ltv-badge__bar { background: #dc2626; }
 
  /* ── Total monthly cost row (EMI + tax + insurance) ─────── */
  .monthly-cost-row {
    display: flex; align-items: center; justify-content: space-between;
    background: var(--navy); border-radius: 12px;
    padding: 14px 18px; margin-bottom: 18px; gap: 8px; flex-wrap: wrap;
  }
  .monthly-cost-row__label {
    font-size: .82rem; color: rgba(255,255,255,.65); font-weight: 500;
  }
  .monthly-cost-row__value {
    font-family: var(--font-head); font-weight: 800;
    font-size: 1.3rem; color: var(--white);
  }
  .monthly-cost-row__sub {
    font-size: .72rem; color: rgba(255,255,255,.45); margin-top: 2px;
  }
 
  /* ── Cost split mini-grid ────────────────────────────────── */
  .cost-split { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 18px; }
  .cost-split__item {
    background: var(--light); border: 1px solid var(--gray-l);
    border-radius: 10px; padding: 10px 12px; text-align: center;
  }
  .cost-split__label { font-size: .72rem; color: var(--gray); margin-bottom: 4px; }
  .cost-split__value { font-family: var(--font-head); font-weight: 700; font-size: .9rem; color: var(--navy); }
 
  /* ── Breakdown bar: principal (navy) vs interest (orange) ─ */
  .breakdown-bar-fill {
    background: linear-gradient(
      90deg,
      var(--navy)   var(--principal-pct, 60%),
      var(--orange) var(--principal-pct, 60%)
    );
  }
 
  /* ── Optional cost inputs (property tax, insurance) ─────── */
  .optional-costs { margin-top: 6px; }
  .optional-costs__toggle {
    display: flex; align-items: center; gap: 8px; cursor: pointer;
    font-family: var(--font-head); font-size: .83rem; font-weight: 600;
    color: var(--green); margin-bottom: 0; user-select: none;
    background: none; border: none; padding: 0;
  }
  .optional-costs__toggle i { font-size: .72rem; transition: transform .25s; }
  .optional-costs__toggle.is-open i { transform: rotate(180deg); }
  .optional-costs__body { display: none; padding-top: 14px; }
  .optional-costs__body.is-open { display: block; }
 
  /* ── 2-col secondary cards for mortgage ─────────────────── */
  .mortgage-secondary-cards {
    display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
  }
  @media (max-width: 480px) {
    .mortgage-secondary-cards { grid-template-columns: 1fr; }
    .cost-split { grid-template-columns: 1fr 1fr; }
  }