.fct-v3,
.fct-v3 *{box-sizing:border-box}
.fct-v3{
  --blue-dark:#1e3a8a;
  --blue:#2563eb;
  --green:#22c55e;
  --green-dark:#15803d;
  --white:#ffffff;
  --light:#f8fafc;
  --border:#dbeafe;
  --text:#0f172a;
  --muted:#64748b;
  max-width:900px;
  margin:24px auto;
  font-family:Arial,Helvetica,sans-serif;
  color:var(--text);
  line-height:1.55;
}
.fct-v3-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:0 14px 35px rgba(15,23,42,.15)}
.fct-v3-header{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;padding:36px 24px;text-align:center}
.fct-v3-header h1,.fct-v3-header h2{margin:0 0 10px;color:#fff;font-size:clamp(28px,5vw,42px);line-height:1.15}
.fct-v3-header p{max-width:760px;margin:0 auto;color:#eff6ff;font-size:17px}
.fct-v3-line{width:90px;height:5px;background:var(--green);margin:18px auto 0;border-radius:999px}
.fct-v3-body{padding:26px;background:var(--light)}
.fct-v3-intro,.fct-v3-card,.fct-v3-tip,.fct-v3-disclaimer{background:#fff;border:1px solid var(--border);border-radius:12px}
.fct-v3-intro{padding:17px;margin-bottom:22px;border-left:5px solid var(--green)}
.fct-v3-intro p{margin:0}
.fct-v3-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.fct-v3-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.fct-v3-card{padding:18px;margin-bottom:18px}
.fct-v3-card h3{margin:0 0 14px;color:var(--blue-dark)}
.fct-v3-field{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px}
.fct-v3-field label,.fct-v3-card label{display:block;margin-bottom:7px;font-weight:700;color:var(--text)}
.fct-v3 input,.fct-v3 select{width:100%;min-height:50px;padding:12px 13px;border:1px solid #cbd5e1;border-radius:9px;background:#fff;color:#000;font-size:16px;outline:none}
.fct-v3 input:focus,.fct-v3 select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.18)}
.fct-v3 input::placeholder{color:#6b7280}
.fct-v3-help{display:block;margin-top:6px;color:var(--muted);font-size:13px}
.fct-v3-buttons{display:grid;grid-template-columns:2fr 1fr;gap:12px;margin-top:22px}
.fct-v3 button{min-height:50px;border:0;border-radius:9px;padding:13px 16px;font-size:17px;font-weight:700;cursor:pointer}
.fct-v3-calc{background:var(--green);color:#fff}
.fct-v3-calc:hover{background:var(--green-dark)}
.fct-v3-reset{background:#e2e8f0;color:#111827}
.fct-v3-secondary{background:#2563eb;color:#fff}
.fct-v3-error{display:none;margin-top:15px;padding:13px;background:#fee2e2;border-left:5px solid #dc2626;color:#7f1d1d;border-radius:8px;font-weight:700}
.fct-v3-success{display:none;margin-top:15px;padding:13px;background:#ecfdf5;border-left:5px solid var(--green);color:#14532d;border-radius:8px;font-weight:700}
.fct-v3-results{display:none;margin-top:24px;background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;border-radius:14px;padding:24px}
.fct-v3-results h2,.fct-v3-results h3{text-align:center;margin:0 0 18px;color:#fff}
.fct-v3-main{background:rgba(15,23,42,.42);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:23px 15px;text-align:center;margin-bottom:16px}
.fct-v3-main span{display:block;color:#dbeafe}
.fct-v3-main strong{display:block;color:#4ade80;font-size:clamp(36px,8vw,60px);line-height:1.05;margin-top:5px}
.fct-v3-result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.fct-v3-result{background:#fff;color:var(--text);border-radius:10px;padding:15px;text-align:center}
.fct-v3-result strong{display:block;color:var(--green-dark);font-size:21px;margin-top:5px;word-break:break-word}
.fct-v3-breakdown{margin-top:16px;background:#ecfdf5;color:#14532d;border-left:5px solid var(--green);border-radius:8px;padding:15px}
.fct-v3-warning{margin-top:14px;background:#fef3c7;color:#78350f;border-left:5px solid #f59e0b;border-radius:8px;padding:14px}
.fct-v3-quote{margin-top:15px;text-align:center;color:#dcfce7;font-weight:700}
.fct-v3-tip{margin-top:18px;padding:14px;background:#ecfdf5;color:#14532d;border-left:5px solid var(--green)}
.fct-v3-disclaimer{margin-top:18px;padding:14px;background:#fef3c7;color:#78350f;border-left:5px solid #f59e0b;font-size:14px}
.fct-v3-list{display:grid;gap:10px;margin-top:14px}
.fct-v3-list-item{display:grid;grid-template-columns:1fr auto auto;gap:10px;align-items:center;padding:10px 12px;background:#fff;border:1px solid #e2e8f0;border-radius:10px}
.fct-v3-remove{min-height:auto!important;padding:8px 10px!important;background:#fee2e2!important;color:#991b1b!important;font-size:13px!important}
.fct-v3-hidden{display:none!important}
.fct-v3-table{width:100%;border-collapse:collapse;background:#fff}
.fct-v3-table th,.fct-v3-table td{padding:11px;border-bottom:1px solid #dbeafe;text-align:left}
.fct-v3-table th{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff}
.fct-v3-mode{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
.fct-v3-mode button{background:#e2e8f0;color:#111827}
.fct-v3-mode button.active{background:var(--green);color:#fff}
@media(max-width:760px){
 .fct-v3-body{padding:18px}
 .fct-v3-grid,.fct-v3-grid-3,.fct-v3-result-grid,.fct-v3-buttons{grid-template-columns:1fr}
 .fct-v3-list-item{grid-template-columns:1fr}
}

/* Enhanced How Much Do I Make Per Minute calculator — v6.4.0 */
.fct-pay-minute-upgraded{max-width:1120px}
.fct-pay-minute-upgraded .fct-v3-header p{max-width:900px;line-height:1.65}
.fct-minute-results{padding:28px}
.fct-minute-clock{max-width:650px;margin:0 auto 22px;padding:24px;text-align:center;border:1px solid rgba(255,255,255,.22);border-radius:14px;background:rgba(15,23,42,.42)}
.fct-minute-clock span,.fct-minute-clock small{display:block;color:#dbeafe}
.fct-minute-clock strong{display:block;margin:5px 0;color:#4ade80;font-size:clamp(42px,8vw,68px);line-height:1.05}
.fct-minute-timeline{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.fct-minute-time-card{padding:17px;text-align:center;border-radius:11px;background:#fff;color:var(--text)}
.fct-minute-time-card span{display:block;color:var(--muted);font-weight:700}
.fct-minute-time-card strong{display:block;margin-top:6px;color:var(--green-dark);font-size:22px}
.fct-minute-wide{grid-column:span 3}
.fct-minute-explanation,.fct-minute-raise,.fct-minute-milestones{margin-top:20px;padding:20px;border-radius:12px;background:#fff;color:var(--text)}
.fct-minute-explanation h3,.fct-minute-raise h3,.fct-minute-milestones h3{color:var(--blue-dark)!important;text-align:left!important;margin-bottom:10px!important}
.fct-minute-explanation p,.fct-minute-raise p{margin:0;color:#334155}
.fct-minute-raise-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:16px}
.fct-minute-raise-grid div{padding:13px;text-align:center;border:1px solid var(--border);border-radius:9px;background:#f8fafc}
.fct-minute-raise-grid span{display:block;color:var(--muted);font-size:13px}
.fct-minute-raise-grid strong{display:block;margin-top:4px;color:var(--green-dark);font-size:19px}
.fct-minute-link-button{display:inline-flex;margin-top:16px;min-height:46px;padding:11px 18px;align-items:center;justify-content:center;border-radius:8px;background:var(--green);color:#fff!important;font-weight:800;text-decoration:none!important}
.fct-minute-link-button:hover{background:var(--green-dark);color:#fff!important}
.fct-minute-table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:9px}
.fct-minute-milestones small{display:block;margin-top:10px;color:var(--muted)}
.fct-minute-content,.fct-minute-related,.fct-minute-faq{margin-top:24px;padding:25px;border:1px solid var(--border);border-radius:14px;background:#fff}
.fct-minute-content>h2,.fct-minute-related>h2,.fct-minute-faq>h2{margin:0 0 14px;color:var(--blue-dark);font-size:27px}
.fct-minute-content>p{color:#475569}
.fct-minute-info-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:18px}
.fct-minute-info-grid article{padding:18px;border-left:5px solid var(--green);border-radius:10px;background:#eff6ff}
.fct-minute-info-grid h3{margin:0 0 8px;color:var(--blue-dark);font-size:19px}
.fct-minute-info-grid p{margin:0;color:#475569;font-size:15px}
.fct-minute-related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.fct-minute-related-grid a{display:flex;min-height:165px;padding:20px;flex-direction:column;border:1px solid var(--border);border-radius:12px;background:#f8fafc;color:var(--text)!important;text-decoration:none!important;transition:transform .2s ease,box-shadow .2s ease}
.fct-minute-related-grid a:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(15,23,42,.1)}
.fct-minute-related-grid strong{color:var(--blue-dark);font-size:19px}
.fct-minute-related-grid span{margin:7px 0 15px;color:var(--muted)}
.fct-minute-related-grid b{display:block;margin-top:auto;padding:10px 14px;text-align:center;border-radius:8px;background:var(--green);color:#fff}
.fct-minute-faq details{margin-top:10px;border:1px solid var(--border);border-radius:9px;background:#f8fafc}
.fct-minute-faq summary{padding:14px 16px;cursor:pointer;color:var(--blue-dark);font-weight:800}
.fct-minute-faq details p{margin:0;padding:0 16px 16px;color:#475569}
@media(max-width:800px){
 .fct-minute-timeline,.fct-minute-info-grid{grid-template-columns:1fr 1fr}
 .fct-minute-wide{grid-column:span 2}
 .fct-minute-raise-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
 .fct-minute-results{padding:18px}
 .fct-minute-timeline,.fct-minute-info-grid,.fct-minute-related-grid,.fct-minute-raise-grid{grid-template-columns:1fr}
 .fct-minute-wide{grid-column:auto}
 .fct-minute-content,.fct-minute-related,.fct-minute-faq{padding:19px}
}


/* Facebook follow card — v6.6.4 */
.fct-facebook-follow,
.fct-facebook-follow *{box-sizing:border-box}
.fct-facebook-follow{max-width:1120px;margin:28px auto;padding:24px 26px;display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:20px;border:1px solid #bfdbfe;border-radius:18px;background:linear-gradient(135deg,#eff6ff 0%,#ffffff 58%,#f0fdf4 100%);box-shadow:0 12px 30px rgba(15,23,42,.08);font-family:Arial,Helvetica,sans-serif;color:#17212b}
.fct-facebook-follow__icon{width:44px!important;height:44px!important;min-width:44px!important;max-width:44px!important;display:grid;place-items:center;color:#1877f2;overflow:hidden}
.fct-facebook-follow__icon svg{display:block!important;width:36px!important;height:36px!important;min-width:36px!important;min-height:36px!important;max-width:36px!important;max-height:36px!important}
.fct-facebook-follow__copy{min-width:0}
.fct-facebook-follow__eyebrow{display:block;margin:0 0 4px;color:#166534;font-size:12px;font-weight:800;letter-spacing:.09em;text-transform:uppercase}
.fct-facebook-follow h2{margin:0 0 7px;color:#1e3a8a;font-size:clamp(20px,2.4vw,27px);line-height:1.2}
.fct-facebook-follow p{margin:0;color:#475569;font-size:15px;line-height:1.55}
.fct-facebook-follow__button{min-height:46px;padding:12px 18px;display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:10px;background:#1877f2;color:#fff!important;text-decoration:none!important;font-size:15px;font-weight:800;white-space:nowrap;box-shadow:0 7px 17px rgba(24,119,242,.22);transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.fct-facebook-follow__button span{width:22px;height:22px;display:inline-grid;place-items:center;border-radius:50%;background:#fff;color:#1877f2;font-family:Arial,Helvetica,sans-serif;font-size:18px;font-weight:900;line-height:1}
.fct-facebook-follow__button:hover,.fct-facebook-follow__button:focus{background:#1265d1;color:#fff!important;transform:translateY(-1px);box-shadow:0 10px 22px rgba(24,119,242,.28)}
.fct-facebook-follow__button:focus-visible{outline:3px solid rgba(24,119,242,.3);outline-offset:3px}
@media(max-width:760px){.fct-facebook-follow{grid-template-columns:auto 1fr;padding:22px 20px}.fct-facebook-follow__button{grid-column:1/-1;width:100%}}
@media(max-width:480px){.fct-facebook-follow{margin:22px 12px;grid-template-columns:1fr;text-align:center}.fct-facebook-follow__icon{margin:0 auto}.fct-facebook-follow__button{grid-column:auto}.fct-facebook-follow h2{font-size:21px}}


/* Debt-to-Income Ratio Calculator — v6.7.5 */
.fct-dti .fct-dti-section-title{margin:24px 0 12px;color:var(--blue-dark);font-size:21px;text-align:left}
.fct-dti-intro-note,.fct-dti-not-debt{padding:14px 16px;border-radius:10px;background:#eff6ff;border-left:5px solid #2563eb;color:#1e3a8a;line-height:1.55}
.fct-dti-not-debt{margin:17px 0 4px;background:#f8fafc;border-left-color:#94a3b8;color:#475569}
.fct-dti-optional{font-size:12px;color:#64748b;font-weight:600}
.fct-dti-results{padding:28px}
.fct-dti-score-row{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(280px,.9fr);gap:16px;align-items:stretch}
.fct-dti-main{margin:0;display:flex;flex-direction:column;justify-content:center;min-height:260px}
.fct-dti-main small{display:inline-flex;align-self:center;margin-top:10px;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.12);color:#fff;font-weight:800}
.fct-dti-chart-card{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:260px;padding:18px;border-radius:12px;background:#fff;color:#17212b}
.fct-dti-pie{width:174px;height:174px;border-radius:50%;display:grid;place-items:center;background:conic-gradient(#22c55e 0deg,#22c55e 0deg,#dbeafe 0deg,#dbeafe 360deg);position:relative;transition:background .4s ease}
.fct-dti-pie:after{content:"";position:absolute;width:112px;height:112px;border-radius:50%;background:#fff}
.fct-dti-pie>div{position:relative;z-index:1;text-align:center}.fct-dti-pie strong{display:block;color:#1e3a8a;font-size:29px}.fct-dti-pie span{font-size:12px;color:#64748b;font-weight:700}
.fct-dti-legend{display:grid;gap:7px;margin-top:14px;font-size:12px;color:#475569}.fct-dti-legend span{display:flex;align-items:center;gap:7px}.fct-dti-dot{width:10px;height:10px;border-radius:50%;display:inline-block}.fct-dti-dot-debt{background:#22c55e}.fct-dti-dot-free{background:#dbeafe}
.fct-dti-result-grid{grid-template-columns:repeat(4,minmax(0,1fr));margin-top:16px}.fct-dti-result-grid .fct-v3-result small{display:block;margin-top:6px;color:#64748b;font-size:12px}
.fct-dti-insight{margin-top:16px;padding:18px;border-radius:11px;background:#fff;color:#17212b;line-height:1.6}.fct-dti-insight strong{color:#1e3a8a}
.fct-dti-meter-wrap{margin-top:16px;padding:16px;border-radius:11px;background:rgba(255,255,255,.1)}.fct-dti-meter-labels,.fct-dti-meter-scale{display:flex;justify-content:space-between;color:#dbeafe;font-size:12px}.fct-dti-meter{height:16px;margin:8px 0;position:relative;border-radius:999px;background:linear-gradient(90deg,#22c55e 0 45%,#facc15 45% 62%,#fb923c 62% 78%,#ef4444 78% 100%);overflow:visible}.fct-dti-meter b{position:absolute;top:-5px;width:4px;height:26px;border-radius:4px;background:#fff;box-shadow:0 0 0 2px rgba(15,23,42,.35);transform:translateX(-2px)}
.fct-dti-scenarios{margin-top:18px;padding:19px;border-radius:12px;background:#fff;color:#17212b}.fct-dti-scenarios h3{color:#1e3a8a!important;text-align:left!important;margin:0 0 13px!important}.fct-dti-scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.fct-dti-scenario-grid div{padding:14px;border:1px solid #dbeafe;border-radius:9px;background:#f8fafc}.fct-dti-scenario-grid span{display:block;color:#64748b;font-size:12px;font-weight:700}.fct-dti-scenario-grid strong{display:block;margin-top:5px;color:#166534;font-size:20px}.fct-dti-scenarios p{margin:12px 0 0;color:#475569;font-size:14px;line-height:1.55}
@media(max-width:850px){.fct-dti-score-row{grid-template-columns:1fr}.fct-dti-result-grid{grid-template-columns:1fr 1fr}.fct-dti-scenario-grid{grid-template-columns:1fr}}
@media(max-width:560px){.fct-dti-results{padding:18px}.fct-dti-result-grid{grid-template-columns:1fr}.fct-dti-pie{width:154px;height:154px}.fct-dti-pie:after{width:98px;height:98px}}

/* v6.13 Interest Cost Calculator */
.fct-interest-note,.fct-interest-credit-hint{margin:0 0 24px;padding:15px 17px;border-left:4px solid #22c55e;border-radius:10px;background:#eff6ff;color:#334155;line-height:1.6}.fct-interest-term-row{display:grid;grid-template-columns:1.2fr .8fr;gap:10px}.fct-interest-hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(260px,.85fr);gap:20px;align-items:stretch;margin:18px 0}.fct-interest-main{display:flex;flex-direction:column;justify-content:center;min-height:250px}.fct-interest-donut-card{border:1px solid #dbeafe;border-radius:16px;background:#fff;padding:18px;display:flex;flex-direction:column;align-items:center;justify-content:center}.fct-interest-donut{width:180px;height:180px;border-radius:50%;background:conic-gradient(#1e3a8a 0 360deg);display:grid;place-items:center;position:relative}.fct-interest-donut:before{content:"";position:absolute;width:116px;height:116px;border-radius:50%;background:#fff}.fct-interest-donut>div{position:relative;z-index:1;text-align:center}.fct-interest-donut strong{display:block;color:#1e3a8a;font-size:26px}.fct-interest-donut span{font-size:12px;color:#64748b;line-height:1.25}.fct-interest-legend{margin-top:14px;display:flex;flex-wrap:wrap;gap:12px;justify-content:center;font-size:12px;color:#475569}.fct-interest-dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:5px}.fct-interest-dot-principal{background:#1e3a8a}.fct-interest-dot-interest{background:#22c55e}.fct-interest-explanation{margin:20px 0;padding:18px;border-radius:14px;background:#f8fafc;border:1px solid #e2e8f0;color:#334155;line-height:1.65}.fct-interest-explanation strong{color:#1e3a8a}.fct-interest-comparison{margin:22px 0;padding:22px;border:1px solid #dbeafe;border-radius:16px;background:#f8fbff}.fct-interest-comparison h3{margin:0 0 6px;color:#1e3a8a}.fct-interest-comparison>p{margin:0 0 16px;color:#64748b}.fct-interest-compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.fct-interest-compare-grid>div{background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:15px}.fct-interest-compare-grid span,.fct-interest-compare-grid small{display:block;color:#64748b;font-size:12px}.fct-interest-compare-grid strong{display:block;margin:5px 0;color:#1e3a8a;font-size:20px}.fct-interest-content,.fct-interest-faq{margin-top:30px}.fct-interest-content h2,.fct-interest-faq h2{color:#1e3a8a}.fct-interest-info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.fct-interest-info-grid article{padding:18px;border:1px solid #e2e8f0;border-radius:14px;background:#fff}.fct-interest-info-grid h3{margin-top:0;color:#1e3a8a}.fct-interest-faq details{margin:10px 0;padding:14px 16px;border:1px solid #e2e8f0;border-radius:12px;background:#fff}.fct-interest-faq summary{cursor:pointer;font-weight:700;color:#1e3a8a}.fct-interest-faq p{margin:12px 0 0;color:#475569}.fct-v3-hidden{display:none!important}@media(max-width:760px){.fct-interest-hero-grid,.fct-interest-info-grid,.fct-interest-compare-grid{grid-template-columns:1fr}.fct-interest-main{min-height:auto}.fct-interest-term-row{grid-template-columns:1fr 1fr}}