.chf-bank-statement-qualifier {
            --primary: #2e3192; 
            --secondary: #008fd5; 
            --green: #4b9a3e;
            --green-light: #8dc63f;
            --bg-color: #ffffff;
            --text-dark: #111111;
            --white: #ffffff;
            --gray-light: #f1f5f9;
            --border-color: #e2e8f0;
        }

        html { scroll-behavior: smooth; }

        .funnel-container {
            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
            color: var(--text-dark) !important;
            background-color: var(--white) !important;
            width: 100%;
            max-width: 700px;
            padding: 40px;
            margin: 0 auto;
            border-radius: 12px;
            box-shadow: 0 10px 25px rgba(0,0,0,0.05);
            text-align: center;
        }

        .brand-logo {
            display: block;
            max-width: 180px;
            width: 100%;
            height: auto;
            margin: 0 auto 28px auto;
        }

        @media (max-width: 520px) {
            .brand-logo { max-width: 150px; margin-bottom: 22px; }
        }

        .funnel-container .step {
            display: none;
            animation: fadeIn 0.5s ease-out;
        }

        .funnel-container .step.active { display: block; }

        @keyframes fadeIn {
            from { opacity: 0; transform: translateY(15px); }
            to { opacity: 1; transform: translateY(0); }
        }

        .funnel-container h2 {
            font-size: 1.5rem;
            margin-bottom: 20px;
            color: var(--primary) !important;
            line-height: 1.4;
        }

        .funnel-container h3 {
            font-size: 1.2rem;
            color: var(--primary) !important;
            border-bottom: 2px solid var(--border-color);
            padding-bottom: 8px;
            margin-top: 30px;
            text-align: left;
        }

        p.instruction-text {
            font-size: 0.95rem;
            color: #4b5563 !important;
            margin-bottom: 20px;
            line-height: 1.5;
        }

        .btn-option {
            display: block;
            width: 100%;
            background-color: var(--white) !important;
            color: var(--primary) !important;
            border: 2px solid var(--secondary) !important;
            padding: 15px;
            margin-bottom: 12px;
            border-radius: 8px;
            font-size: 1rem;
            font-weight: 600;
            cursor: pointer;
            transition: all 0.2s ease;
        }

        .btn-option:hover {
            background-color: var(--green) !important;
            border-color: var(--green) !important;
            color: var(--white) !important;
        }
        
        .btn-secondary-option {
            background-color: var(--white) !important;
            color: var(--primary) !important;
            border: 2px solid var(--primary) !important;
        }
        
        .btn-secondary-option:hover {
            background-color: var(--green) !important;
            border-color: var(--green) !important;
            color: var(--white) !important;
        }

        .input-group { margin-bottom: 15px; text-align: left; }
        
        .input-group label {
            display: block;
            font-size: 0.9rem;
            font-weight: 700;
            margin-bottom: 5px;
            color: var(--text-dark) !important;
        }

        .input-field {
            width: 100%;
            padding: 12px;
            border: 1px solid #cbd5e1 !important;
            border-radius: 8px;
            font-size: 1rem;
            box-sizing: border-box;
            background-color: var(--white) !important;
            color: var(--text-dark) !important;
            font-family: inherit;
            transition: border-color 0.2s;
        }

        select.input-field {
            appearance: auto;
            background-color: #fff !important;
        }

        .subtext {
            font-size: 0.8rem;
            color: #6b7280 !important;
            margin-top: 5px;
            display: block;
        }

        .btn-primary {
            background-color: var(--primary) !important;
            color: var(--white) !important;
            border: none;
            padding: 15px 30px;
            border-radius: 8px;
            font-size: 1.1rem;
            font-weight: bold;
            cursor: pointer;
            width: 100%;
            margin-top: 15px;
            transition: background 0.2s;
        }

        .btn-primary:hover { background-color: var(--green) !important; }
        
        .btn-calculate {
            background-color: var(--secondary) !important;
            color: var(--white) !important;
        }
        
        .btn-calculate:hover { background-color: var(--green) !important; }

        .btn-edit {
            background-color: var(--white) !important;
            color: var(--primary) !important;
            border: 2px solid var(--primary) !important;
        }

        .btn-edit:hover { background-color: var(--green) !important; border-color: var(--green) !important; color: var(--white) !important; }

        .back-btn {
            background: none;
            border: none;
            color: #6b7280 !important;
            cursor: pointer;
            font-size: 0.9rem;
            margin-top: 25px;
            text-decoration: underline;
        }

        .back-btn:hover { color: var(--green) !important; }

        .success-icon {
            font-size: 4rem;
            color: var(--secondary) !important;
            margin-bottom: 15px;
        }

        .liability-card {
            background-color: var(--white) !important;
            border: 2px solid var(--secondary) !important;
            border-radius: 8px;
            margin-bottom: 15px;
            text-align: left;
            position: relative;
            overflow: hidden;
            transition: all 0.2s ease;
        }

        .liability-card.collapsed {
            border: 1px solid var(--border-color) !important;
            background-color: var(--gray-light) !important;
        }

        .liability-summary {
            display: flex;
            padding: 15px 55px 15px 20px; 
            cursor: pointer;
            align-items: center;
            justify-content: space-between;
            gap: 15px;
            border-bottom: 1px solid transparent;
            background: transparent;
        }

        .liability-card:not(.collapsed) .liability-summary {
            border-bottom-color: var(--border-color);
            background-color: #f8fafc;
        }

        .liability-card.collapsed .liability-details { display: none; }

        .liability-details {
            padding: 20px 55px 20px 20px; 
            background: var(--white);
            display: block;
        }

        .summary-info-group {
            display: flex;
            flex-direction: column;
            gap: 2px;
            flex: 1;
        }
        
        .summary-owner {
            font-size: 0.75rem;
            font-weight: 700;
            color: var(--secondary);
            text-transform: uppercase;
            letter-spacing: 0.5px;
            transition: all 0.2s ease;
        }

        .summary-title {
            font-size: 1.05rem;
            font-weight: bold;
            color: var(--primary);
        }

        .summary-subtext {
            font-size: 0.85rem;
            color: #6b7280;
        }

        .summary-payment {
            font-size: 1.1rem;
            font-weight: bold;
            color: var(--text-dark);
            white-space: nowrap;
        }

        .chevron {
            transition: transform 0.3s ease;
            color: #6b7280;
        }
        .liability-card:not(.collapsed) .chevron {
            transform: rotate(180deg);
            color: var(--primary);
        }

        .remove-liability {
            position: absolute;
            top: 15px;
            right: 15px;
            background: var(--white) !important;
            color: #94a3b8 !important; 
            border: 1px solid #fecaca !important; 
            border-radius: 6px;
            padding: 8px;
            cursor: pointer;
            z-index: 10;
            display: flex;
            align-items: center;
            justify-content: center;
            transition: all 0.2s ease;
            box-shadow: 0 1px 2px rgba(0,0,0,0.05);
        }

        .remove-liability:hover {
            color: #ef4444 !important; 
            background: #fef2f2 !important; 
            border-color: #ef4444 !important; 
        }
        
        .remove-liability svg {
            width: 18px;
            height: 18px;
            stroke: currentColor;
            stroke-width: 2;
            fill: none;
        }

        .two-col {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 15px;
        }

        @media (max-width: 520px) {
            .funnel-container { padding: 25px 18px; }
            .two-col { grid-template-columns: 1fr; }
            .funnel-container h2 { font-size: 1.3rem; }
        }

        .shake { animation: shakeError 0.4s ease-in-out; }
        @keyframes shakeError {
            0%, 100% { transform: translateX(0); }
            25%, 75% { transform: translateX(-5px); }
            50% { transform: translateX(5px); }
        }

        .needs-attention {
            border: 2px solid #ef4444 !important;
            background-color: #fef2f2 !important;
        }

        .accordion-header {
            background-color: var(--white) !important;
            color: var(--primary) !important;
            cursor: pointer;
            padding: 15px 20px;
            width: 100%;
            border: 2px solid var(--secondary) !important;
            border-radius: 8px;
            text-align: left;
            outline: none;
            font-size: 1.1rem;
            font-weight: bold;
            transition: 0.2s;
            margin-bottom: 8px;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }
        .accordion-header:after { content: '\002B'; font-size: 1.5rem; line-height: 1; }
        .accordion-header.active {
            background-color: var(--gray-light) !important;
            border-bottom-left-radius: 0;
            border-bottom-right-radius: 0;
            margin-bottom: 0;
        }
        .accordion-header.active:after { content: "\2212"; }
        .accordion-content {
            padding: 0 20px;
            background-color: white;
            display: none;
            overflow: hidden;
            border: 2px solid var(--secondary);
            border-top: none;
            border-bottom-left-radius: 8px;
            border-bottom-right-radius: 8px;
            margin-bottom: 15px;
            text-align: left;
        }
        .accordion-content.show { display: block; padding: 20px; }

        .pulse-badge {
            display: inline-block;
            font-size: 0.65rem;
            padding: 2px 8px;
            border: 1px solid var(--secondary);
            color: var(--secondary);
            background-color: var(--white);
            border-radius: 999px;
            margin-left: 10px;
            font-weight: bold;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            opacity: 0; 
        }
        
        .fade-out-badge { animation: pulse-and-fade 6.5s forwards ease-out; }

        @keyframes pulse-and-fade {
            0% { opacity: 0; transform: scale(0.95); }
            5%, 50% { opacity: 1; transform: scale(1); box-shadow: 0 0 0 0 rgba(59, 130, 246, 0.4); }
            15%, 35% { box-shadow: 0 0 0 4px rgba(59, 130, 246, 0); }
            100% { opacity: 0; transform: scale(1); visibility: hidden; }
        }

        .summary-panel {
            background-color: var(--gray-light) !important;
            border: 1px solid var(--border-color) !important;
            padding: 20px;
            border-radius: 8px;
            text-align: left;
            margin-bottom: 25px;
            color: var(--text-dark) !important;
        }
        .summary-panel p { margin: 8px 0; font-size: 0.95rem; }

        .results-box {
            background-color: #eff6ff !important;
            border: 2px solid #bfdbfe !important;
            padding: 15px 20px;
            border-radius: 8px;
            margin-top: 15px;
            text-align: left;
            color: var(--text-dark) !important;
        }
        .results-box h4 {
            margin: 0 0 10px 0;
            color: var(--primary) !important;
            font-size: 1.3rem;
            text-align: center;
            border-bottom: 1px solid #bfdbfe;
            padding-bottom: 10px;
        }
        .results-row {
            display: flex;
            justify-content: space-between;
            margin-bottom: 8px;
            font-size: 1.05rem;
            color: var(--text-dark);
        }
        .results-row strong { color: #000; }
        .ratio-row {
            display: flex;
            justify-content: space-between;
            margin-top: 10px;
            padding-top: 10px;
            border-top: 2px dotted #93c5fd;
            font-weight: bold;
            font-size: 1.15rem;
            color: var(--secondary) !important;
        }

        .general-disclaimer {
            display: none;
            margin-top: 10px;
            margin-bottom: 5px;
            font-size: 0.75rem;
            color: #6b7280 !important;
            text-align: justify;
            line-height: 1.4;
        }

        /* Below-credit-threshold warning (red) */
        .credit-disclaimer {
            display: none;
            margin-top: 15px;
            font-size: 0.85rem;
            color: #7f1d1d !important;
            text-align: left;
            background-color: #fef2f2 !important;
            padding: 15px;
            border-radius: 6px;
            border: 1px solid #fca5a5 !important;
            border-left: 4px solid #ef4444 !important;
            line-height: 1.5;
        }
        .credit-disclaimer h5 {
            margin: 0 0 10px 0;
            font-size: 0.95rem;
            color: #b91c1c !important;
        }

        /* Informational documentation disclosures (amber, not alarming) */
        .info-disclaimer {
            display: none;
            margin-top: 15px;
            font-size: 0.85rem;
            color: #4b5563 !important;
            text-align: left;
            background-color: #fffbeb !important;
            padding: 15px;
            border-radius: 6px;
            border: 1px solid #fde68a !important;
            border-left: 4px solid #f59e0b !important;
            line-height: 1.5;
        }
        .info-disclaimer h5 {
            margin: 0 0 10px 0;
            font-size: 0.95rem;
            color: #b45309 !important;
        }
        .info-disclaimer p { margin: 0 0 8px 0; }
        .info-disclaimer p:last-child { margin-bottom: 0; }

        .modal-overlay {
            position: fixed;
            top: 0; left: 0; right: 0; bottom: 0;
            background: rgba(0, 0, 0, 0.6);
            display: flex;
            justify-content: center;
            align-items: center;
            z-index: 1000;
            backdrop-filter: blur(3px);
            animation: fadeIn 0.2s ease-in-out;
        }
        .modal-content {
            background: var(--white);
            padding: 30px;
            border-radius: 12px;
            max-width: 400px;
            width: 90%;
            text-align: center;
            box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
        }
        .modal-buttons {
            display: flex;
            gap: 15px;
            margin-top: 25px;
        }
        .btn-modal-no {
            flex: 1;
            padding: 12px;
            background: #fef2f2;
            color: #ef4444;
            border: 2px solid #ef4444;
            border-radius: 8px;
            font-weight: bold;
            cursor: pointer;
            font-size: 1rem;
            transition: all 0.2s;
        }
        .btn-modal-no:hover { background: #ef4444; color: white; }
        .btn-modal-yes {
            flex: 1;
            padding: 12px;
            background: #f0fdf4;
            color: #22c55e;
            border: 2px solid #22c55e;
            border-radius: 8px;
            font-weight: bold;
            cursor: pointer;
            font-size: 1rem;
            transition: all 0.2s;
        }
        .btn-modal-yes:hover { background: #22c55e; color: white; }

        .bs-badge {
            display: inline-block;
            background-color: var(--primary);
            color: #fff;
            font-size: 0.7rem;
            padding: 3px 10px;
            border-radius: 999px;
            font-weight: bold;
            text-transform: uppercase;
            letter-spacing: 0.5px;
            margin-bottom: 10px;
        }

        /* Resource callouts (bank statement program info) */
        .resource-card {
            display: none;
            margin-top: 15px;
            padding: 15px;
            background-color: #eff6ff !important;
            border: 1px solid #bfdbfe !important;
            border-left: 4px solid var(--secondary) !important;
            border-radius: 6px;
            text-align: left;
            color: var(--text-dark) !important;
            font-size: 0.85rem;
            line-height: 1.5;
        }
        .resource-card h5 {
            margin: 0 0 8px 0;
            color: var(--primary) !important;
            font-size: 0.95rem;
        }