.ytt-risk-tool {
    --ytt-navy: #142b44;
    --ytt-navy-2: #1f3d5a;
    --ytt-accent: #b38a45;
    --ytt-bg: #f6f8fb;
    --ytt-border: #dfe5ec;
    --ytt-text: #1f2933;
    --ytt-muted: #667381;
    --ytt-danger: #a63a3a;
    --ytt-radius: 14px;
    color: var(--ytt-text);
    font-family: inherit;
    line-height: 1.7;
}
.ytt-risk-tool *, .ytt-risk-tool *::before, .ytt-risk-tool *::after { box-sizing: border-box; }
.ytt-hero {
    padding: 30px;
    border-radius: var(--ytt-radius);
    background: linear-gradient(135deg, var(--ytt-navy), var(--ytt-navy-2));
    color: #fff;
    margin-bottom: 18px;
}
.ytt-hero h2 { color: #fff; margin: 3px 0 8px; font-size: clamp(1.45rem, 3vw, 2rem); }
.ytt-hero p { margin: 0; }
.ytt-eyebrow { margin: 0 0 3px; font-weight: 700; letter-spacing: .08em; font-size: .82rem; }
.ytt-notice { border: 1px solid var(--ytt-border); border-left: 5px solid var(--ytt-accent); background: #fff; padding: 14px 16px; border-radius: 10px; margin: 0 0 18px; }
.ytt-notice strong { display: block; margin-bottom: 2px; }
.ytt-panel, .ytt-results {
    background: #fff;
    border: 1px solid var(--ytt-border);
    border-radius: var(--ytt-radius);
    padding: 24px;
    margin-bottom: 18px;
    box-shadow: 0 8px 28px rgba(23, 42, 62, .06);
}
.ytt-step-title { display: flex; gap: 12px; align-items: center; margin-bottom: 20px; }
.ytt-step-title > span { background: var(--ytt-navy); color: #fff; border-radius: 999px; padding: 4px 11px; font-size: .75rem; font-weight: 800; letter-spacing: .06em; }
.ytt-step-title h3 { margin: 0; font-size: 1.25rem; }
.ytt-segment { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; margin-bottom: 18px; }
.ytt-segment input { position: absolute; opacity: 0; pointer-events: none; }
.ytt-segment span { display: block; text-align: center; border: 1px solid var(--ytt-border); border-radius: 10px; padding: 10px 12px; cursor: pointer; font-weight: 700; background: var(--ytt-bg); }
.ytt-segment input:checked + span { background: var(--ytt-navy); color: #fff; border-color: var(--ytt-navy); }
.ytt-grid { display: grid; gap: 14px; margin-bottom: 14px; }
.ytt-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.ytt-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.ytt-field { display: flex; flex-direction: column; gap: 5px; font-weight: 700; }
.ytt-field > span { font-size: .92rem; }
.ytt-field small, .ytt-help { color: var(--ytt-muted); font-size: .8rem; font-weight: 400; margin: 0; }
.ytt-field input, .ytt-field select {
    width: 100%;
    min-height: 46px;
    border: 1px solid #cbd4de;
    border-radius: 9px;
    padding: 9px 11px;
    background: #fff;
    color: var(--ytt-text);
    font: inherit;
}
.ytt-field input:focus, .ytt-field select:focus { outline: 2px solid rgba(20,43,68,.18); border-color: var(--ytt-navy); }
.ytt-input-suffix { display: flex; align-items: stretch; }
.ytt-input-suffix input { border-radius: 9px 0 0 9px; }
.ytt-input-suffix > span { display: inline-flex; align-items: center; padding: 0 12px; border: 1px solid #cbd4de; border-left: 0; border-radius: 0 9px 9px 0; background: var(--ytt-bg); font-weight: 700; }
.ytt-field--prop-base { margin-bottom: 14px; }
.ytt-subpanel { background: var(--ytt-bg); border: 1px solid var(--ytt-border); border-radius: 12px; padding: 16px; margin-top: 5px; }
.ytt-subpanel h4 { margin: 0 0 5px; }
.ytt-advanced { border-top: 1px solid var(--ytt-border); border-bottom: 1px solid var(--ytt-border); padding: 11px 0; margin: 16px 0; }
.ytt-advanced summary { cursor: pointer; font-weight: 700; }
.ytt-advanced[open] summary { margin-bottom: 14px; }
.ytt-actions, .ytt-result-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.ytt-btn { display: inline-flex; align-items: center; justify-content: center; border: 0; border-radius: 10px; padding: 12px 18px; min-height: 46px; font-weight: 800; cursor: pointer; text-decoration: none !important; transition: transform .15s ease, opacity .15s ease; }
.ytt-btn:hover { transform: translateY(-1px); opacity: .94; }
.ytt-btn--primary { background: var(--ytt-navy); color: #fff !important; }
.ytt-btn--secondary { background: var(--ytt-accent); color: #fff !important; }
.ytt-btn--ghost { background: var(--ytt-bg); color: var(--ytt-text); border: 1px solid var(--ytt-border); }
.ytt-errors { color: var(--ytt-danger); font-weight: 700; margin-top: 12px; }
.ytt-errors:empty { display: none; }
.ytt-result-hero { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; margin-bottom: 14px; }
.ytt-result-hero > div { background: var(--ytt-navy); color: #fff; border-radius: 12px; padding: 18px; }
.ytt-result-hero span, .ytt-result-card span { display: block; font-size: .82rem; opacity: .82; margin-bottom: 4px; }
.ytt-result-hero strong { display: block; font-size: clamp(1.25rem, 3vw, 1.7rem); }
.ytt-result-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px; }
.ytt-result-card { background: var(--ytt-bg); border: 1px solid var(--ytt-border); border-radius: 10px; padding: 14px; }
.ytt-result-card strong { font-size: 1.08rem; }
.ytt-prop-results { margin-top: 18px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.ytt-meter-block { border: 1px solid var(--ytt-border); border-radius: 12px; padding: 16px; }
.ytt-meter-head { display: flex; justify-content: space-between; gap: 12px; margin-bottom: 8px; }
.ytt-meter { height: 12px; background: #e8edf2; border-radius: 999px; overflow: hidden; }
.ytt-meter span { display: block; height: 100%; width: 0; background: var(--ytt-navy); border-radius: inherit; transition: width .3s ease; }
.ytt-meter-block p { margin: 8px 0 0; color: var(--ytt-muted); font-size: .85rem; }
.ytt-result-note { margin-top: 14px; padding: 11px 13px; background: #fff8e9; border-radius: 9px; font-size: .88rem; }
.ytt-result-note:empty { display: none; }
.ytt-cta-area, .ytt-dwm-area { margin-top: 24px; border-top: 1px solid var(--ytt-border); padding-top: 20px; }
.ytt-cta-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.ytt-cta-card { display: block; border: 1px solid var(--ytt-border); border-radius: 10px; padding: 15px; font-weight: 800; text-decoration: none !important; color: var(--ytt-navy) !important; background: var(--ytt-bg); }
.ytt-dwm-area { background: var(--ytt-bg); border-radius: 12px; padding: 20px; }
.ytt-dwm-area h3 { margin-top: 0; }
.ytt-disclaimer { color: var(--ytt-muted); font-size: .82rem; border-top: 1px solid var(--ytt-border); padding-top: 13px; margin-top: 12px; }
.ytt-disclaimer p { margin: 3px 0 0; }
[hidden] { display: none !important; }
@media (max-width: 760px) {
    .ytt-panel, .ytt-results, .ytt-hero { padding: 18px; }
    .ytt-grid--2, .ytt-grid--3, .ytt-result-hero, .ytt-result-grid, .ytt-prop-results, .ytt-cta-grid { grid-template-columns: 1fr; }
    .ytt-actions .ytt-btn, .ytt-result-actions .ytt-btn { width: 100%; }
}

.ytt-dwm-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
@media (max-width: 640px) { .ytt-dwm-actions .ytt-btn { width: 100%; } }

/* v1.2.1: compact helper notice for page-integrated layout */
.ytt-notice--compact {
    margin-top: 0;
    margin-bottom: 16px;
}

/* v1.3.0: related free-tool cross link */
.ytt-related-tool { margin-top: 18px; border: 1px solid var(--ytt-border); border-left: 5px solid var(--ytt-accent); background: #fff; border-radius: 12px; padding: 18px; }
.ytt-related-tool h3 { margin-top: 0; }
.ytt-related-tool p:last-of-type { margin-bottom: 14px; }