.bt-tool{--bt-primary:#23AAE1;--bt-primary-dark:#1A7FA8;--bt-primary-light:#E8F6FC;--bt-charcoal:#6D6E72;--bt-ink:#1E2530;--bt-ink-mid:#2E3A47;--bt-ink-light:#5A6472;--bt-cream:#F4F7FA;--bt-cream-mid:#E8EDF2;--bt-white:#FFFFFF;--bt-border:#CED5DC;--bt-success:#2A6B39;--bt-success-bg:#EAF4EC;--bt-warning:#7A5320;--bt-warning-bg:#FFF8E1;--bt-danger:#C0392B;--bt-danger-bg:#FDECEA;--bt-radius:6px;--bt-shadow:0 4px 20px rgba(30,37,48,0.10);--bt-font-ui:'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;--bt-font-display:'Playfair Display', Georgia, serif;font-family:var(--bt-font-ui)}.bt-tool{background:var(--bt-white);border:1px solid var(--bt-border);border-radius:12px;overflow:hidden;box-shadow:var(--bt-shadow);max-width:960px;margin:32px auto}.bt-tool-header{background:var(--bt-ink);padding:24px 32px;display:flex;align-items:center;gap:16px}.bt-tool-header-icon{font-size:32px;flex-shrink:0}.bt-tool-header h2{font-family:var(--bt-font-display);font-size:1.3rem;font-weight:700;color:#fff;margin:0 0 3px}.bt-tool-header p{font-size:.85rem;color:rgb(230 240 248 / .65);margin:0}.bt-tool-body{display:grid;grid-template-columns:1fr 1fr;gap:0}.bt-tool-body.single-col{grid-template-columns:1fr}.bt-tool-inputs{padding:28px 32px;border-right:1px solid var(--bt-border)}.bt-tool-results{padding:28px 32px;background:var(--bt-cream)}@media (max-width:680px){.bt-tool-body{grid-template-columns:1fr}.bt-tool-inputs{border-right:none;border-bottom:1px solid var(--bt-border)}.bt-tool-header{padding:20px 20px}.bt-tool-inputs,.bt-tool-results{padding:20px 20px}}.bt-section-label{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--bt-charcoal);display:block;margin-bottom:12px;margin-top:20px}.bt-section-label:first-child{margin-top:0}.bt-field{margin-bottom:14px}.bt-field label{display:block;font-size:.82rem;font-weight:500;color:var(--bt-ink-mid);margin-bottom:5px}.bt-field input,.bt-field select{width:100%;padding:10px 13px;border:1.5px solid var(--bt-border);border-radius:var(--bt-radius);font-family:var(--bt-font-ui);font-size:.9rem;color:var(--bt-ink);background:var(--bt-white);outline:none;transition:border-color .2s;box-sizing:border-box}.bt-field input:focus,.bt-field select:focus{border-color:var(--bt-primary)}.bt-field input[type="number"]{text-align:right}.bt-field .bt-prefix-wrap{position:relative}.bt-field .bt-prefix-wrap::before{content:'$';position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--bt-ink-light);font-size:.9rem;pointer-events:none}.bt-field .bt-prefix-wrap input{padding-left:24px;text-align:left}.bt-field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media (max-width:480px){.bt-field-row{grid-template-columns:1fr}}.bt-add-row{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;font-weight:600;color:var(--bt-primary);background:none;border:none;cursor:pointer;padding:6px 0;transition:color .2s}.bt-add-row:hover{color:var(--bt-primary-dark)}.bt-remove-row{background:none;border:none;cursor:pointer;color:var(--bt-danger);font-size:18px;line-height:1;padding:0 4px;opacity:.6;transition:opacity .2s}.bt-remove-row:hover{opacity:1}.bt-result-hero{text-align:center;padding:20px 0 24px;border-bottom:1px solid var(--bt-border);margin-bottom:20px}.bt-result-hero .bt-result-label{font-size:.72rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--bt-ink-light);display:block;margin-bottom:6px}.bt-result-hero .bt-result-amount{font-family:var(--bt-font-display);font-size:2.8rem;font-weight:700;color:var(--bt-primary);line-height:1;display:block;margin-bottom:4px}.bt-result-hero .bt-result-sub{font-size:.8rem;color:var(--bt-ink-light)}.bt-result-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid var(--bt-border);font-size:.875rem}.bt-result-row:last-child{border-bottom:none}.bt-result-row .bt-rl{color:var(--bt-ink-light)}.bt-result-row .bt-rv{font-weight:600;color:var(--bt-ink)}.bt-result-row.bt-row-highlight .bt-rv{color:var(--bt-primary);font-size:1.05rem}.bt-result-row.bt-row-success .bt-rv{color:var(--bt-success)}.bt-result-row.bt-row-danger .bt-rv{color:var(--bt-danger)}.bt-bar-wrap{margin:16px 0}.bt-bar-top{display:flex;justify-content:space-between;font-size:.82rem;font-weight:600;color:var(--bt-ink-mid);margin-bottom:5px}.bt-bar-track{height:10px;background:var(--bt-cream-mid);border-radius:100px;overflow:hidden}.bt-bar-fill{height:100%;border-radius:100px;transition:width .4s ease}.bt-bar-bottom{display:flex;justify-content:space-between;font-size:.75rem;color:var(--bt-ink-light);margin-top:4px}.bt-status{padding:12px 16px;border-radius:var(--bt-radius);font-size:.875rem;line-height:1.55;margin-bottom:16px}.bt-status-good{background:var(--bt-success-bg);color:var(--bt-success);border:1px solid rgb(42 107 57 / .2)}.bt-status-warn{background:var(--bt-warning-bg);color:var(--bt-warning);border:1px solid rgb(122 83 32 / .2)}.bt-status-bad{background:var(--bt-danger-bg);color:var(--bt-danger);border:1px solid rgb(192 57 43 / .2)}.bt-status-neutral{background:var(--bt-primary-light);color:var(--bt-primary-dark);border:1px solid rgb(35 170 225 / .2)}.bt-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px}@media (max-width:480px){.bt-stat-grid{grid-template-columns:repeat(2,1fr)}}.bt-stat{background:var(--bt-white);border:1px solid var(--bt-border);border-radius:var(--bt-radius);padding:14px;text-align:center}.bt-stat .bt-sn{font-family:var(--bt-font-display);font-size:1.5rem;font-weight:700;color:var(--bt-primary);display:block;line-height:1;margin-bottom:4px}.bt-stat .bt-sl{font-size:.72rem;color:var(--bt-ink-light);text-transform:uppercase;letter-spacing:.05em}.bt-stat.bt-stat-good .bt-sn{color:var(--bt-success)}.bt-stat.bt-stat-bad .bt-sn{color:var(--bt-danger)}.bt-debt-list{display:flex;flex-direction:column;gap:10px;margin:12px 0}.bt-debt-row{display:grid;grid-template-columns:1fr 100px 80px 32px;gap:8px;align-items:center}@media (max-width:500px){.bt-debt-row{grid-template-columns:1fr 1fr}.bt-debt-row>*:nth-child(3){grid-column:1}.bt-debt-row>*:nth-child(4){grid-column:2;justify-self:end}}.bt-debt-result{background:var(--bt-white);border:1px solid var(--bt-border);border-radius:var(--bt-radius);padding:14px 16px;margin-bottom:10px}.bt-debt-result-name{font-weight:600;font-size:.9rem;color:var(--bt-ink);margin-bottom:8px}.bt-debt-result-bar{height:6px;background:var(--bt-cream-mid);border-radius:100px;overflow:hidden;margin-bottom:6px}.bt-debt-result-fill{height:100%;background:var(--bt-primary);border-radius:100px}.bt-debt-result-meta{display:flex;gap:16px;flex-wrap:wrap;font-size:.78rem;color:var(--bt-ink-light)}.bt-debt-result-meta span strong{color:var(--bt-ink-mid)}.bt-toggle-wrap{display:flex;gap:0;margin-bottom:20px;border:1.5px solid var(--bt-primary);border-radius:var(--bt-radius);overflow:hidden}.bt-toggle-btn{flex:1;padding:9px;text-align:center;cursor:pointer;font-family:var(--bt-font-ui);font-size:.82rem;font-weight:600;background:#fff0;border:none;color:var(--bt-primary);transition:all .2s}.bt-toggle-btn.active{background:var(--bt-primary);color:#fff}.bt-nw-list{display:flex;flex-direction:column;gap:8px;margin:10px 0 16px}.bt-nw-row{display:grid;grid-template-columns:1fr 120px 32px;gap:8px;align-items:center}.bt-donut-wrap{position:relative;width:140px;height:140px;margin:0 auto 16px}.bt-donut-wrap svg{width:100%;height:100%;transform:rotate(-90deg)}.bt-donut-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}.bt-donut-center .bt-dc-num{font-family:var(--bt-font-display);font-size:1.1rem;font-weight:700;line-height:1}.bt-donut-center .bt-dc-lbl{font-size:.65rem;color:var(--bt-ink-light);text-transform:uppercase;letter-spacing:.05em}.bt-disclaimer{margin:20px 32px 0;padding:12px 16px;background:var(--bt-cream);border-top:1px solid var(--bt-border);font-size:.75rem;color:var(--bt-ink-light);line-height:1.6}@media (max-width:680px){.bt-disclaimer{margin:16px 20px 0}}.bt-tabs{display:flex;gap:0;border-bottom:2px solid var(--bt-border);margin-bottom:20px}.bt-tab{padding:8px 18px;font-family:var(--bt-font-ui);font-size:.82rem;font-weight:600;cursor:pointer;border:none;background:none;color:var(--bt-ink-light);border-bottom:2px solid #fff0;margin-bottom:-2px;transition:all .2s}.bt-tab.active{color:var(--bt-primary);border-bottom-color:var(--bt-primary)}.bt-tab-panel{display:none}.bt-tab-panel.active{display:block}.bt-mt{margin-top:16px}.bt-divider{height:1px;background:var(--bt-border);margin:16px 0}.bt-text-muted{font-size:.78rem;color:var(--bt-ink-light);margin-top:6px}.bt-canada-badge{display:inline-flex;align-items:center;gap:5px;font-size:.72rem;font-weight:600;color:var(--bt-primary-dark);background:var(--bt-primary-light);padding:3px 10px;border-radius:100px;border:1px solid rgb(35 170 225 / .2);margin-bottom:16px}