.bgc-page,
.bgc-table-widget,
.bgc-calculator {
    --bgc-navy: #071d3b;
    --bgc-navy-2: #0c315d;
    --bgc-blue: #159fd3;
    --bgc-blue-dark: #0c7faa;
    --bgc-light: #f4f8fb;
    --bgc-border: #dce6ef;
    --bgc-text: #172b44;
    --bgc-muted: #607084;
    --bgc-white: #fff;
    --bgc-green: #11885f;
    --bgc-red: #b43d4e;
    --bgc-shadow: 0 18px 52px rgba(15, 43, 75, .1);
    font-family: Heebo, Assistant, Arial, sans-serif;
    color: var(--bgc-text);
    line-height: 1.7;
    box-sizing: border-box;
}

.bgc-page *, .bgc-table-widget *, .bgc-calculator * { box-sizing: border-box; }
.bgc-page h1, .bgc-page h2, .bgc-page h3, .bgc-table-widget h2, .bgc-calculator h2, .bgc-calculator h3 { margin-top: 0; line-height: 1.22; }
.bgc-page p, .bgc-table-widget p, .bgc-calculator p { margin-top: 0; }
.bgc-container { width: min(1180px, calc(100% - 34px)); margin-inline: auto; }
.bgc-section { padding: 78px 0; }
.bgc-section-light { background: var(--bgc-light); }
.bgc-section-label, .bgc-kicker { display: inline-block; margin-bottom: 10px; color: var(--bgc-blue-dark); font-size: 14px; font-weight: 800; }
.bgc-section-heading { max-width: 760px; margin: 0 auto 38px; text-align: center; }
.bgc-section-heading h2 { color: var(--bgc-navy); font-size: clamp(29px, 4vw, 43px); }

.bgc-hero { position: relative; overflow: hidden; padding: 92px 0 104px; color: #fff; background: radial-gradient(circle at 8% 12%, rgba(21,159,211,.32), transparent 28%), radial-gradient(circle at 88% 92%, rgba(17,136,95,.18), transparent 24%), linear-gradient(135deg, #041326, #08284d 58%, #0d3d6e); }
.bgc-hero:before { content: ""; position: absolute; inset: 0; opacity: .23; background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px); background-size: 42px 42px; pointer-events: none; }
.bgc-hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.02fr .98fr; gap: 62px; align-items: center; }
.bgc-hero-label { display: inline-flex; padding: 7px 14px; margin-bottom: 19px; border: 1px solid rgba(255,255,255,.22); border-radius: 50px; background: rgba(255,255,255,.08); font-weight: 700; }
.bgc-hero h1 { margin-bottom: 18px; color: #fff; font-size: clamp(40px, 6vw, 68px); }
.bgc-hero-content > p { max-width: 720px; color: #d8e9f6; font-size: clamp(18px, 2vw, 22px); }
.bgc-hero-actions, .bgc-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.bgc-btn { display: inline-flex; align-items: center; justify-content: center; min-height: 51px; padding: 12px 24px; border: 2px solid transparent; border-radius: 11px; font-weight: 800; text-decoration: none !important; transition: transform .2s ease, background .2s ease; }
.bgc-btn:hover { transform: translateY(-2px); }
.bgc-btn-primary { background: var(--bgc-blue); color: #fff !important; }
.bgc-btn-primary:hover { background: var(--bgc-blue-dark); }
.bgc-btn-outline { border-color: rgba(255,255,255,.38); color: #fff !important; background: rgba(255,255,255,.06); }
.bgc-hero-card { padding: 31px; border: 1px solid rgba(255,255,255,.2); border-radius: 23px; background: rgba(255,255,255,.1); box-shadow: 0 24px 60px rgba(0,0,0,.2); backdrop-filter: blur(12px); }
.bgc-hero-card h2 { color: #fff; font-size: 28px; }
.bgc-hero-card ul, .bgc-info-box ul { display: grid; gap: 10px; padding: 0; margin: 20px 0; list-style: none; }
.bgc-hero-card li, .bgc-info-box li { position: relative; padding-right: 28px; }
.bgc-hero-card li:before, .bgc-info-box li:before { content: "✓"; position: absolute; right: 0; color: #72e3bb; font-weight: 900; }
.bgc-hero-card p { margin-bottom: 0; color: #d8e9f6; font-size: 14px; }

.bgc-hero-trust { display: flex; flex-wrap: wrap; gap: 9px; margin-top: 24px; }
.bgc-hero-trust span { display: inline-flex; align-items: center; gap: 7px; padding: 7px 11px; border: 1px solid rgba(255,255,255,.15); border-radius: 50px; background: rgba(255,255,255,.065); color: #d9ebf8; font-size: 13px; font-weight: 700; }
.bgc-hero-trust span:before { content: "✓"; color: #72e3bb; font-weight: 900; }
.bgc-hero-visual { position: relative; min-height: 475px; overflow: visible; border: 1px solid rgba(255,255,255,.2); border-radius: 28px; background: rgba(255,255,255,.08); box-shadow: 0 32px 85px rgba(0,0,0,.31); transform: perspective(1200px) rotateY(-3deg); }
.bgc-hero-visual > img { display: block; width: 100%; height: 475px; border-radius: 27px; object-fit: cover; object-position: center; }
.bgc-hero-visual-shade { position: absolute; inset: 0; border-radius: 27px; background: linear-gradient(180deg, rgba(4,19,38,.03) 28%, rgba(4,19,38,.92) 100%); }
.bgc-hero-visual-copy { position: absolute; z-index: 2; right: 28px; bottom: 26px; left: 28px; }
.bgc-hero-visual-copy span { display: block; margin-bottom: 5px; color: #8edfff; font-size: 14px; font-weight: 800; }
.bgc-hero-visual-copy strong { display: block; color: #fff; font-size: clamp(23px, 2.7vw, 34px); line-height: 1.25; }
.bgc-floating-card { position: absolute; z-index: 3; min-width: 190px; padding: 14px 17px; border: 1px solid rgba(255,255,255,.22); border-radius: 15px; background: rgba(5,24,47,.87); box-shadow: 0 16px 38px rgba(0,0,0,.24); backdrop-filter: blur(10px); }
.bgc-floating-card b, .bgc-floating-card small { display: block; }
.bgc-floating-card b { color: #fff; font-size: 16px; }
.bgc-floating-card small { margin-top: 3px; color: #c9dceb; font-size: 12px; line-height: 1.4; }
.bgc-floating-card-top { top: 26px; left: -34px; }
.bgc-floating-card-bottom { right: -30px; bottom: 94px; }

.bgc-intro-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 55px; align-items: center; }
.bgc-intro-grid h2 { color: var(--bgc-navy); font-size: clamp(29px, 4vw, 43px); }
.bgc-intro-grid p { color: var(--bgc-muted); font-size: 18px; }
.bgc-info-box { padding: 31px; border: 1px solid #cde6f1; border-radius: 20px; background: linear-gradient(145deg, #eaf8fd, #fff); box-shadow: var(--bgc-shadow); }
.bgc-info-box h3 { color: var(--bgc-navy); font-size: 25px; }
.bgc-info-box li { color: var(--bgc-text); }
.bgc-info-box li:before { color: var(--bgc-blue-dark); }
.bgc-anchor-offset { position: relative; top: -90px; }

.bgc-table-widget { padding: 36px; border: 1px solid var(--bgc-border); border-radius: 24px; background: #fff; box-shadow: var(--bgc-shadow); }
.bgc-table-head { display: flex; justify-content: space-between; gap: 28px; align-items: flex-start; margin-bottom: 28px; }
.bgc-table-head h2 { margin-bottom: 10px; color: var(--bgc-navy); font-size: clamp(27px, 3.5vw, 40px); }
.bgc-table-head p { max-width: 760px; margin-bottom: 0; color: var(--bgc-muted); }
.bgc-update-pill { flex: 0 0 auto; display: inline-flex; gap: 9px; align-items: center; padding: 9px 13px; border-radius: 50px; background: #eaf8f3; color: #0e7251; font-size: 14px; font-weight: 800; }
.bgc-update-dot { width: 8px; height: 8px; border-radius: 50%; background: #20ad7b; box-shadow: 0 0 0 5px rgba(32,173,123,.12); }
.bgc-controls { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; padding: 19px; margin-bottom: 15px; border-radius: 16px; background: var(--bgc-light); }
.bgc-controls label { display: grid; gap: 6px; }
.bgc-controls label > span { color: var(--bgc-navy); font-size: 13px; font-weight: 800; }
.bgc-controls input, .bgc-controls select { width: 100%; min-height: 45px; padding: 8px 12px; border: 1px solid #cbd8e3; border-radius: 9px; background: #fff; color: var(--bgc-text); font: inherit; }
.bgc-controls input:focus, .bgc-controls select:focus { border-color: var(--bgc-blue); outline: 3px solid rgba(21,159,211,.14); }
.bgc-result-bar { display: flex; justify-content: space-between; gap: 15px; padding: 5px 2px 12px; color: var(--bgc-muted); font-size: 14px; }
.bgc-result-count { color: var(--bgc-navy); }
.bgc-table-scroll { overflow-x: auto; border: 1px solid var(--bgc-border); border-radius: 15px; }
.bgc-table-scroll:focus { outline: 3px solid rgba(21,159,211,.18); }
.bgc-table { width: 100%; min-width: 1080px; border-collapse: collapse; background: #fff; }
.bgc-table th, .bgc-table td { padding: 16px 14px; border-bottom: 1px solid var(--bgc-border); text-align: right; vertical-align: middle; }
.bgc-table th { position: sticky; top: 0; z-index: 1; background: var(--bgc-navy); color: #fff; font-size: 14px; white-space: nowrap; }
.bgc-table th small { color: #bfd2e3; font-weight: 500; }
.bgc-table tbody tr:nth-child(even) { background: #f8fbfd; }
.bgc-table tbody tr:hover { background: #eef8fc; }
.bgc-table tbody tr:last-child td { border-bottom: 0; }
.bgc-table td:not(:first-child):not(:nth-child(2)) { direction: ltr; text-align: center; font-weight: 700; white-space: nowrap; }
.bgc-fund-name { display: block; min-width: 245px; color: var(--bgc-navy); line-height: 1.35; }
.bgc-track-tag { display: inline-block; padding: 3px 8px; margin-top: 7px; border-radius: 40px; background: #e9f6fb; color: var(--bgc-blue-dark); font-size: 12px; font-weight: 800; }
.bgc-positive { color: var(--bgc-green); }
.bgc-negative { color: var(--bgc-red); }
.bgc-neutral, .bgc-na { color: var(--bgc-muted); }
.bgc-table-notes { padding-top: 18px; color: var(--bgc-muted); font-size: 13px; line-height: 1.6; }
.bgc-table-notes p { margin-bottom: 8px; }
.bgc-table-notes a { color: var(--bgc-blue-dark); font-weight: 700; }
.bgc-empty { padding: 25px; border: 1px solid #f0d7a5; border-radius: 12px; background: #fff9e9; color: #6d5319; }

.bgc-feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.bgc-feature-card { padding: 26px 23px; border: 1px solid var(--bgc-border); border-radius: 18px; background: #fff; box-shadow: 0 11px 30px rgba(15,43,75,.06); }
.bgc-feature-card > span { display: grid; place-items: center; width: 43px; height: 43px; margin-bottom: 17px; border-radius: 13px; background: #e9f6fb; color: var(--bgc-blue-dark); font-weight: 900; }
.bgc-feature-card h3 { color: var(--bgc-navy); font-size: 21px; }
.bgc-feature-card p { margin-bottom: 0; color: var(--bgc-muted); }
.bgc-faq { max-width: 900px; margin: 0 auto; }
.bgc-faq details { margin-bottom: 12px; border: 1px solid var(--bgc-border); border-radius: 14px; background: #fff; overflow: hidden; }
.bgc-faq summary { padding: 18px 20px; color: var(--bgc-navy); font-weight: 800; cursor: pointer; }
.bgc-faq details p { padding: 0 20px 20px; margin: 0; color: var(--bgc-muted); }
.bgc-cta { padding: 62px 0; color: #fff; background: linear-gradient(135deg, #06172e, #0b315e); }
.bgc-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 35px; }
.bgc-cta h2 { margin-bottom: 10px; color: #fff; font-size: clamp(28px, 4vw, 43px); }
.bgc-cta p { margin-bottom: 0; color: #d8e9f6; }
.bgc-cta-actions { margin-top: 0; flex: 0 0 auto; }

@media (max-width: 1000px) {
    .bgc-hero-grid, .bgc-intro-grid { grid-template-columns: 1fr; }
    .bgc-controls { grid-template-columns: 1fr 1fr; }
    .bgc-feature-grid { grid-template-columns: repeat(2, 1fr); }
    .bgc-cta-inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 680px) {
    .bgc-container { width: min(100% - 22px, 1180px); }
    .bgc-section { padding: 56px 0; }
    .bgc-hero { padding: 66px 0; }
    .bgc-hero-actions, .bgc-cta-actions { display: grid; width: 100%; grid-template-columns: 1fr; }
    .bgc-btn { width: 100%; }
    .bgc-table-widget { padding: 22px 14px; border-radius: 17px; }
    .bgc-table-head { flex-direction: column; }
    .bgc-update-pill { align-self: flex-start; }
    .bgc-controls { grid-template-columns: 1fr; padding: 14px; }
    .bgc-result-bar { flex-direction: column; gap: 3px; }
    .bgc-feature-grid { grid-template-columns: 1fr; }
}

/* Version 2 additions */
.bgc-hero-photo { position: relative; overflow: hidden; background-position: center; background-size: cover; }
.bgc-hero-photo:after { content: ""; position: absolute; inset: auto 0 0; height: 80px; background: linear-gradient(transparent, rgba(3,18,35,.2)); pointer-events: none; }
.bgc-hero-photo .bgc-container { position: relative; z-index: 1; }
.bgc-text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--bgc-blue-dark) !important; font-weight: 800; text-decoration: none !important; }
.bgc-text-link:after { content: "←"; transition: transform .2s ease; }
.bgc-text-link:hover:after { transform: translateX(-4px); }

.bgc-snapshot { position: relative; z-index: 4; margin-top: -33px; }
.bgc-snapshot-grid { display: grid; grid-template-columns: repeat(4, 1fr); overflow: hidden; border: 1px solid var(--bgc-border); border-radius: 19px; background: #fff; box-shadow: var(--bgc-shadow); }
.bgc-snapshot-grid > div { padding: 23px 20px; text-align: center; }
.bgc-snapshot-grid > div + div { border-right: 1px solid var(--bgc-border); }
.bgc-snapshot-grid span { display: block; margin-bottom: 5px; color: var(--bgc-muted); font-size: 13px; font-weight: 700; }
.bgc-snapshot-grid strong { display: block; color: var(--bgc-navy); font-size: clamp(19px, 2.2vw, 27px); line-height: 1.2; }

.bgc-image-card { position: relative; margin: 0; overflow: hidden; border-radius: 22px; background: var(--bgc-navy); box-shadow: var(--bgc-shadow); }
.bgc-image-card img { display: block; width: 100%; aspect-ratio: 16/10; object-fit: cover; transition: transform .5s ease; }
.bgc-image-card:hover img { transform: scale(1.035); }
.bgc-image-card:after { content: ""; position: absolute; inset: 45% 0 0; background: linear-gradient(transparent, rgba(5,24,47,.92)); pointer-events: none; }
.bgc-image-card figcaption { position: absolute; z-index: 1; right: 24px; bottom: 20px; left: 24px; color: #fff; font-weight: 700; line-height: 1.5; }

.bgc-calculator { padding: 38px; border: 1px solid var(--bgc-border); border-radius: 24px; background: #fff; box-shadow: var(--bgc-shadow); }
.bgc-calculator-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 28px; margin-bottom: 28px; }
.bgc-calculator-head h2 { margin-bottom: 10px; color: var(--bgc-navy); font-size: clamp(29px, 4vw, 43px); }
.bgc-calculator-head p { max-width: 780px; margin-bottom: 0; color: var(--bgc-muted); }
.bgc-private-pill { flex: 0 0 auto; display: inline-flex; align-items: center; padding: 8px 12px; border-radius: 50px; background: #eaf8f3; color: #0e7251; font-size: 13px; font-weight: 800; }
.bgc-private-pill:before { content: "✓"; margin-left: 7px; }
.bgc-calculator-grid { display: grid; grid-template-columns: 1.13fr .87fr; gap: 24px; align-items: stretch; }
.bgc-calculator-grid-single { grid-template-columns: 1fr; }
.bgc-calculator-form { padding: 25px; border: 1px solid var(--bgc-border); border-radius: 18px; background: var(--bgc-light); }
.bgc-form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.bgc-form-grid label { display: grid; gap: 7px; }
.bgc-form-grid label > span { color: var(--bgc-navy); font-size: 14px; font-weight: 800; }
.bgc-input-wrap { display: flex; align-items: center; overflow: hidden; border: 1px solid #cbd8e3; border-radius: 10px; background: #fff; transition: border .2s ease, box-shadow .2s ease; }
.bgc-input-wrap:focus-within { border-color: var(--bgc-blue); box-shadow: 0 0 0 3px rgba(21,159,211,.13); }
.bgc-input-wrap input { width: 100%; min-width: 0; min-height: 48px; padding: 9px 12px; border: 0 !important; outline: 0 !important; background: transparent; color: var(--bgc-text); font: inherit; direction: ltr; text-align: right; box-shadow: none !important; }
.bgc-input-wrap b { flex: 0 0 auto; padding: 0 12px; color: var(--bgc-muted); font-size: 13px; font-weight: 800; }
.bgc-fee-field-a .bgc-input-wrap { border-right: 4px solid #8ca2b8; }
.bgc-fee-field-b .bgc-input-wrap { border-right: 4px solid var(--bgc-blue); }
.bgc-calc-presets { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin-bottom: 17px; }
.bgc-calc-presets > span { margin-left: 4px; color: var(--bgc-navy); font-size: 13px; font-weight: 800; }
.bgc-calc-presets button { padding: 6px 11px; border: 1px solid #cbd8e3; border-radius: 50px; background: #fff; color: var(--bgc-blue-dark); cursor: pointer; font: inherit; font-size: 12px; font-weight: 800; transition: border-color .2s ease, background .2s ease, transform .2s ease; }
.bgc-calc-presets button:hover { border-color: var(--bgc-blue); background: #eaf8fd; transform: translateY(-1px); }
.bgc-calc-action-row { display: flex; flex-wrap: wrap; align-items: center; gap: 13px; margin-top: 19px; }
.bgc-calc-button { margin-top: 0; border: 0; cursor: pointer; font-family: inherit; box-shadow: 0 11px 28px rgba(21,159,211,.22); }
.bgc-calc-status { min-height: 22px; color: var(--bgc-green); font-size: 13px; font-weight: 800; }
.bgc-calc-error { margin: 12px 0 0; color: var(--bgc-red); font-size: 14px; font-weight: 700; }
.bgc-calculator-visual { position: relative; min-height: 100%; overflow: hidden; border-radius: 18px; background: var(--bgc-navy); }
.bgc-calculator-visual img { display: block; width: 100%; height: 100%; min-height: 360px; object-fit: cover; opacity: .75; }
.bgc-calculator-visual:after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(5,24,47,.02) 20%, rgba(5,24,47,.94) 88%); }
.bgc-calculator-visual-copy { position: absolute; z-index: 1; right: 24px; bottom: 22px; left: 24px; color: #fff; }
.bgc-calculator-visual-copy > span { display: block; margin-bottom: 7px; color: #8edfff; font-size: 13px; font-weight: 800; }
.bgc-calculator-visual-copy h3 { margin-bottom: 8px; color: #fff; font-size: 24px; }
.bgc-calculator-visual-copy p { margin: 0; color: #d8e9f6; font-size: 15px; }
.bgc-calc-results { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 20px; }
.bgc-result-card { padding: 20px 18px; border: 1px solid var(--bgc-border); border-radius: 15px; background: #fff; transition: transform .25s ease, box-shadow .25s ease; }
.bgc-calculator-updated .bgc-result-card { animation: bgc-result-pop .48s ease both; }
.bgc-calculator-updated .bgc-result-card:nth-child(2) { animation-delay: .05s; }
.bgc-calculator-updated .bgc-result-card:nth-child(3) { animation-delay: .1s; }
.bgc-calculator-updated .bgc-result-card:nth-child(4) { animation-delay: .15s; }
@keyframes bgc-result-pop { 0% { transform: translateY(7px); box-shadow: none; } 100% { transform: translateY(0); box-shadow: 0 10px 28px rgba(15,43,75,.08); } }
.bgc-result-card span { display: block; min-height: 42px; margin-bottom: 7px; color: var(--bgc-muted); font-size: 13px; font-weight: 700; }
.bgc-result-card strong { display: block; margin-bottom: 6px; color: var(--bgc-navy); font-size: clamp(22px, 2.4vw, 31px); line-height: 1.15; direction: ltr; text-align: right; }
.bgc-result-card small { display: block; color: var(--bgc-muted); font-size: 12px; line-height: 1.45; }
.bgc-result-card-a { border-top: 4px solid #8ca2b8; }
.bgc-result-card-b { border-top: 4px solid var(--bgc-blue); }
.bgc-result-card-difference { border-top: 4px solid var(--bgc-green); background: #f1fbf7; }
.bgc-comparison-bars { display: grid; gap: 10px; padding: 18px; margin-top: 15px; border-radius: 14px; background: var(--bgc-light); }
.bgc-comparison-bars > div { display: grid; grid-template-columns: 90px 1fr; align-items: center; gap: 12px; }
.bgc-comparison-bars span { color: var(--bgc-muted); font-size: 13px; font-weight: 800; }
.bgc-comparison-bars i { display: block; width: 0; max-width: 100%; height: 12px; border-radius: 50px; transition: width .45s ease; }
.bgc-bar-a { background: #8ca2b8; }
.bgc-bar-b { background: var(--bgc-blue); }
.bgc-calc-disclaimer { padding: 16px 18px; margin-top: 16px; border-right: 4px solid var(--bgc-blue); border-radius: 10px; background: #eef8fc; color: var(--bgc-muted); font-size: 13px; line-height: 1.65; }
.bgc-calc-disclaimer strong { color: var(--bgc-navy); }

.bgc-method-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 38px; align-items: start; }
.bgc-method-copy h2 { color: var(--bgc-navy); font-size: clamp(29px, 4vw, 43px); }
.bgc-method-copy > p { color: var(--bgc-muted); font-size: 18px; }
.bgc-method-list { display: grid; gap: 12px; padding: 0; margin: 26px 0 0; list-style: none; counter-reset: bgc-method; }
.bgc-method-list li { position: relative; padding: 16px 55px 16px 17px; border: 1px solid var(--bgc-border); border-radius: 13px; background: #fff; color: var(--bgc-muted); }
.bgc-method-list li:before { counter-increment: bgc-method; content: counter(bgc-method); position: absolute; top: 14px; right: 14px; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 9px; background: #e9f6fb; color: var(--bgc-blue-dark); font-weight: 900; }
.bgc-method-list strong { color: var(--bgc-navy); }
.bgc-checklist-card { position: relative; overflow: hidden; padding: 31px; border-radius: 21px; background: linear-gradient(145deg, rgba(7,29,59,.96), rgba(12,49,93,.92)), var(--bgc-checklist-image) center/cover no-repeat; color: #fff; box-shadow: var(--bgc-shadow); }
.bgc-checklist-card:after { content: ""; position: absolute; left: -55px; bottom: -65px; width: 210px; height: 210px; border: 1px solid rgba(255,255,255,.12); border-radius: 50%; }
.bgc-checklist-card > * { position: relative; z-index: 1; }
.bgc-checklist-card h3 { color: #fff; font-size: 27px; }
.bgc-checklist-card ul { display: grid; gap: 13px; padding: 0; margin: 20px 0 0; list-style: none; }
.bgc-checklist-card li { position: relative; padding: 13px 42px 13px 13px; border-radius: 11px; background: rgba(255,255,255,.08); color: #e2edf6; }
.bgc-checklist-card li:before { content: "✓"; position: absolute; top: 13px; right: 14px; display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: rgba(114,227,187,.18); color: #72e3bb; font-weight: 900; }

.bgc-related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.bgc-related-card { overflow: hidden; border: 1px solid var(--bgc-border); border-radius: 18px; background: #fff; box-shadow: 0 11px 30px rgba(15,43,75,.06); color: inherit !important; text-decoration: none !important; transition: transform .2s ease, box-shadow .2s ease; }
.bgc-related-card:hover { transform: translateY(-4px); box-shadow: var(--bgc-shadow); }
.bgc-related-card img { display: block; width: 100%; aspect-ratio: 16/9; object-fit: cover; }
.bgc-related-card > div { padding: 22px; }
.bgc-related-card span { display: block; margin-bottom: 7px; color: var(--bgc-blue-dark); font-size: 13px; font-weight: 800; }
.bgc-related-card h3 { margin-bottom: 8px; color: var(--bgc-navy); font-size: 22px; }
.bgc-related-card p { margin: 0; color: var(--bgc-muted); font-size: 15px; }

.bgc-section-heading > p { max-width: 720px; margin: -20px auto 0; color: var(--bgc-muted); }

@media (max-width: 1000px) {
    .bgc-snapshot-grid { grid-template-columns: repeat(2, 1fr); }
    .bgc-snapshot-grid > div:nth-child(3) { border-top: 1px solid var(--bgc-border); }
    .bgc-snapshot-grid > div:nth-child(4) { border-top: 1px solid var(--bgc-border); }
    .bgc-calculator-grid, .bgc-method-grid { grid-template-columns: 1fr; }
    .bgc-calc-results { grid-template-columns: repeat(2, 1fr); }
    .bgc-related-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 680px) {
    .bgc-hero-photo { background-position: 67% center; }
    .bgc-snapshot { margin-top: -20px; }
    .bgc-snapshot-grid { grid-template-columns: 1fr 1fr; }
    .bgc-snapshot-grid > div { padding: 18px 10px; }
    .bgc-snapshot-grid strong { font-size: 18px; }
    .bgc-calculator { padding: 23px 14px; border-radius: 18px; }
    .bgc-calculator-head { flex-direction: column; }
    .bgc-private-pill { align-self: flex-start; }
    .bgc-calculator-form { padding: 18px 14px; }
    .bgc-form-grid { grid-template-columns: 1fr; }
    .bgc-calculator-visual img { min-height: 310px; }
    .bgc-calc-results { grid-template-columns: 1fr; }
    .bgc-result-card span { min-height: 0; }
    .bgc-comparison-bars > div { grid-template-columns: 72px 1fr; }
    .bgc-related-grid { grid-template-columns: 1fr; }
    .bgc-image-card figcaption { right: 16px; bottom: 14px; left: 16px; font-size: 14px; }
}


@media (max-width: 1000px) {
    .bgc-hero-visual { max-width: 720px; width: 100%; margin-inline: auto; transform: none; }
    .bgc-floating-card-top { left: 18px; }
    .bgc-floating-card-bottom { right: 18px; }
}

@media (max-width: 680px) {
    .bgc-hero { padding-bottom: 78px; }
    .bgc-hero-visual { min-height: 355px; border-radius: 20px; }
    .bgc-hero-visual > img { height: 355px; border-radius: 19px; }
    .bgc-hero-visual-shade { border-radius: 19px; }
    .bgc-hero-visual-copy { right: 18px; bottom: 18px; left: 18px; }
    .bgc-floating-card { min-width: 0; max-width: 175px; padding: 10px 12px; }
    .bgc-floating-card-top { top: 14px; left: 12px; }
    .bgc-floating-card-bottom { right: 12px; bottom: 98px; }
    .bgc-calc-action-row { display: grid; grid-template-columns: 1fr; }
    .bgc-calc-status { text-align: center; }
}

/* Dedicated provident-fund calculator page */
.bgc-provident-calculator {
    --bgc-navy: #071d3b;
    --bgc-navy-2: #0c315d;
    --bgc-blue: #159fd3;
    --bgc-blue-dark: #087eae;
    --bgc-green: #21a179;
    --bgc-red: #bc3c43;
    --bgc-text: #18304b;
    --bgc-muted: #607286;
    --bgc-border: #dce6ef;
    --bgc-light: #f4f8fb;
    --bgc-shadow: 0 18px 50px rgba(15,43,75,.10);
    font-family: "Heebo", "Assistant", Arial, sans-serif;
    color: var(--bgc-text);
}
.bgc-provident-calculator * { box-sizing: border-box; }
.bgc-provident-calculator { padding: 38px; border: 1px solid var(--bgc-border); border-radius: 26px; background: #fff; box-shadow: var(--bgc-shadow); }
.bgc-pc-head { display: flex; justify-content: space-between; gap: 28px; align-items: flex-start; margin-bottom: 26px; }
.bgc-pc-head h2 { margin: 0 0 10px; color: var(--bgc-navy); font-size: clamp(32px,4vw,46px); line-height: 1.15; }
.bgc-pc-head p { max-width: 800px; margin: 0; color: var(--bgc-muted); font-size: 17px; }
.bgc-pc-tabs { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; padding: 7px; margin-bottom: 26px; border: 1px solid var(--bgc-border); border-radius: 15px; background: var(--bgc-light); }
.bgc-pc-tabs button { min-height: 50px; padding: 10px 16px; border: 0; border-radius: 10px; background: transparent; color: var(--bgc-muted); cursor: pointer; font: inherit; font-weight: 800; transition: .2s ease; }
.bgc-pc-tabs button:hover { color: var(--bgc-blue-dark); background: #fff; }
.bgc-pc-tabs button.is-active { background: var(--bgc-navy); color: #fff; box-shadow: 0 9px 24px rgba(7,29,59,.18); }
.bgc-pc-panel[hidden] { display: none !important; }
.bgc-pc-layout { display: grid; grid-template-columns: .9fr 1.1fr; gap: 22px; align-items: start; }
.bgc-pc-form-card { padding: 25px; border: 1px solid var(--bgc-border); border-radius: 19px; background: var(--bgc-light); }
.bgc-pc-form-card h3 { margin: 0 0 19px; color: var(--bgc-navy); font-size: 23px; }
.bgc-pc-form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 15px; }
.bgc-pc-form-grid label { display: grid; gap: 7px; }
.bgc-pc-form-grid label > span { color: var(--bgc-navy); font-size: 13px; font-weight: 800; }
.bgc-pc-form-grid label > small { margin-top: -3px; color: var(--bgc-muted); font-size: 11px; }
.bgc-pc-option-a .bgc-input-wrap { border-right: 4px solid #7c8fa2; }
.bgc-pc-option-b .bgc-input-wrap { border-right: 4px solid var(--bgc-blue); }
.bgc-pc-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 13px; margin-top: 20px; }
.bgc-pc-actions button { border: 0; cursor: pointer; font-family: inherit; }
.bgc-pc-status { min-height: 20px; color: var(--bgc-green); font-size: 13px; font-weight: 800; }
.bgc-pc-error { margin: 12px 0 0; color: var(--bgc-red); font-size: 13px; font-weight: 700; }
.bgc-pc-result-area { display: grid; gap: 16px; min-width: 0; }
.bgc-pc-result-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 13px; }
.bgc-pc-result-grid-three { grid-template-columns: repeat(3,1fr); }
.bgc-pc-result-grid article,
.bgc-pc-compare-results article { padding: 20px; border: 1px solid var(--bgc-border); border-radius: 16px; background: #fff; box-shadow: 0 9px 26px rgba(15,43,75,.055); transition: transform .25s ease, box-shadow .25s ease; }
.bgc-pc-updated .bgc-pc-result-grid article,
.bgc-pc-updated .bgc-pc-compare-results article { animation: bgc-pc-result .42s ease both; }
@keyframes bgc-pc-result { from { transform: translateY(6px); opacity: .7; } to { transform: translateY(0); opacity: 1; } }
.bgc-pc-result-grid article > span,
.bgc-pc-compare-results article > span { display: block; margin-bottom: 7px; color: var(--bgc-muted); font-size: 13px; font-weight: 700; }
.bgc-pc-result-grid article > strong,
.bgc-pc-compare-results article > strong { display: block; color: var(--bgc-navy); font-size: clamp(23px,2.5vw,32px); line-height: 1.15; direction: ltr; text-align: right; }
.bgc-pc-result-grid article > small,
.bgc-pc-compare-results article > small { display: block; margin-top: 7px; color: var(--bgc-muted); font-size: 11px; line-height: 1.45; }
.bgc-pc-result-grid .bgc-pc-highlight { border-top: 4px solid var(--bgc-green); background: #f1fbf7; }
.bgc-pc-chart-card { padding: 19px 18px 12px; overflow: hidden; border: 1px solid var(--bgc-border); border-radius: 17px; background: #fff; }
.bgc-pc-chart-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; margin-bottom: 10px; }
.bgc-pc-chart-head h3 { margin: 0; color: var(--bgc-navy); font-size: 18px; }
.bgc-pc-chart-head > div { display: flex; flex-wrap: wrap; gap: 10px; }
.bgc-pc-chart-head > span { color: var(--bgc-muted); font-size: 13px; font-weight: 700; }
.bgc-pc-legend { position: relative; padding-right: 18px; color: var(--bgc-muted); font-size: 11px; font-weight: 700; }
.bgc-pc-legend:before { content:""; position:absolute; top:50%; right:0; width:12px; height:3px; border-radius:10px; transform:translateY(-50%); }
.bgc-pc-legend-net:before,.bgc-pc-legend-b:before { background:var(--bgc-blue); }
.bgc-pc-legend-gross:before,.bgc-pc-legend-a:before { background:#7c8fa2; }
.bgc-pc-chart-card canvas { display: block; width: 100%; max-width: 100%; }
.bgc-pc-projection { margin-top: 22px; }
.bgc-pc-projection h3 { margin: 0 0 13px; color: var(--bgc-navy); font-size: 21px; }
.bgc-pc-table-scroll { overflow-x: auto; border: 1px solid var(--bgc-border); border-radius: 15px; }
.bgc-pc-table-scroll table { width: 100%; min-width: 650px; border-collapse: collapse; background: #fff; }
.bgc-pc-table-scroll th,.bgc-pc-table-scroll td { padding: 13px 15px; border-bottom: 1px solid var(--bgc-border); text-align: right; }
.bgc-pc-table-scroll th { background: var(--bgc-navy); color: #fff; font-size: 13px; }
.bgc-pc-table-scroll td { color: var(--bgc-muted); font-size: 13px; }
.bgc-pc-table-scroll tr:last-child td { border-bottom: 0; }
.bgc-pc-target-hero { padding: 30px; border-radius: 20px; background: linear-gradient(135deg,var(--bgc-navy),var(--bgc-navy-2)); color: #fff; box-shadow: var(--bgc-shadow); }
.bgc-pc-target-hero span { display:block; margin-bottom:8px; color:#a8dff3; font-weight:800; }
.bgc-pc-target-hero strong { display:block; font-size:clamp(36px,5vw,58px); line-height:1; direction:ltr; text-align:right; }
.bgc-pc-target-hero small { display:block; margin-top:10px; color:#d4e6f3; }
.bgc-pc-compare-results { display:grid; grid-template-columns:repeat(3,1fr); gap:13px; }
.bgc-pc-compare-a { border-top:4px solid #7c8fa2 !important; }
.bgc-pc-compare-b { border-top:4px solid var(--bgc-blue) !important; }
.bgc-pc-compare-diff { border-top:4px solid var(--bgc-green) !important; background:#f1fbf7 !important; }
.bgc-pc-disclaimer { padding:17px 19px; margin-top:22px; border-right:4px solid var(--bgc-blue); border-radius:11px; background:#eef8fc; color:var(--bgc-muted); font-size:13px; line-height:1.7; }
.bgc-pc-disclaimer strong { color:var(--bgc-navy); }

.bgc-cp-hero { position:relative; overflow:hidden; padding:88px 0 84px; background:radial-gradient(circle at 12% 15%,rgba(21,159,211,.24),transparent 28%),linear-gradient(135deg,#06182f,#0b315d); }
.bgc-cp-hero-grid { display:grid; grid-template-columns:1.02fr .98fr; gap:56px; align-items:center; }
.bgc-calculator-page .bgc-cp-hero .bgc-hero-label { color:#f4fbff !important; border-color:rgba(255,255,255,.42); background:rgba(255,255,255,.12); text-shadow:0 1px 2px rgba(0,0,0,.18); }
.bgc-cp-hero-copy h1 { margin:0 0 18px; color:#fff; font-size:clamp(42px,6vw,70px); line-height:1.05; }
.bgc-cp-hero-copy > p { max-width:700px; margin:0 0 27px; color:#d8e8f4; font-size:clamp(18px,2vw,22px); line-height:1.65; }
.bgc-cp-hero-visual { position:relative; min-height:440px; overflow:hidden; border:1px solid rgba(255,255,255,.18); border-radius:26px; box-shadow:0 30px 75px rgba(0,0,0,.26); }
.bgc-cp-hero-visual img { width:100%; height:100%; min-height:440px; object-fit:cover; display:block; }
.bgc-cp-hero-overlay { position:absolute; inset:0; background:linear-gradient(180deg,rgba(3,17,34,.05),rgba(3,17,34,.62)); }
.bgc-cp-floating { position:absolute; z-index:2; max-width:230px; padding:16px 18px; border:1px solid rgba(255,255,255,.22); border-radius:15px; background:rgba(6,24,47,.78); color:#fff; backdrop-filter:blur(10px); }
.bgc-cp-floating strong,.bgc-cp-floating span { display:block; }
.bgc-cp-floating strong { margin-bottom:3px; }
.bgc-cp-floating span { color:#cae2f1; font-size:12px; }
.bgc-cp-floating-one { top:24px; right:24px; }
.bgc-cp-floating-two { bottom:24px; left:24px; }
.bgc-cp-benefits { position:relative; z-index:3; margin-top:-33px; }
.bgc-cp-benefit-grid { display:grid; grid-template-columns:repeat(4,1fr); overflow:hidden; border:1px solid var(--bgc-border); border-radius:19px; background:#fff; box-shadow:var(--bgc-shadow); }
.bgc-cp-benefit-grid > div { padding:22px; text-align:center; }
.bgc-cp-benefit-grid > div + div { border-right:1px solid var(--bgc-border); }
.bgc-cp-benefit-grid strong { display:block; color:var(--bgc-navy); font-size:28px; line-height:1; }
.bgc-cp-benefit-grid span { display:block; margin-top:6px; color:var(--bgc-muted); font-size:13px; }
.bgc-cp-tools-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; }
.bgc-cp-tools-grid article { padding:28px 25px; border:1px solid var(--bgc-border); border-radius:18px; background:#fff; box-shadow:0 10px 30px rgba(15,43,75,.055); }
.bgc-cp-tools-grid article > span { display:grid; place-items:center; width:43px; height:43px; margin-bottom:17px; border-radius:12px; background:#e9f6fb; color:var(--bgc-blue-dark); font-weight:900; }
.bgc-cp-tools-grid h3 { margin:0 0 9px; color:var(--bgc-navy); font-size:22px; }
.bgc-cp-tools-grid p { margin:0; color:var(--bgc-muted); font-size:15px; }
.bgc-cp-explain-grid { display:grid; grid-template-columns:.9fr 1.1fr; gap:48px; align-items:center; }
.bgc-check-list { display:grid; gap:11px; padding:0; margin:24px 0; list-style:none; }
.bgc-check-list li { position:relative; padding-right:31px; color:var(--bgc-text); }
.bgc-check-list li:before { content:"✓"; position:absolute; top:2px; right:0; display:grid; place-items:center; width:22px; height:22px; border-radius:50%; background:#e9f8f2; color:var(--bgc-green); font-size:13px; font-weight:900; }

@media (max-width:1024px) {
    .bgc-pc-layout,.bgc-cp-hero-grid,.bgc-cp-explain-grid { grid-template-columns:1fr; }
    .bgc-pc-result-grid-three,.bgc-pc-compare-results { grid-template-columns:repeat(2,1fr); }
    .bgc-cp-tools-grid { grid-template-columns:repeat(2,1fr); }
    .bgc-cp-hero-visual { min-height:380px; }
    .bgc-cp-hero-visual img { min-height:380px; }
}
@media (max-width:700px) {
    .bgc-provident-calculator { padding:22px 14px; border-radius:18px; }
    .bgc-pc-head { display:block; }
    .bgc-pc-head .bgc-private-pill { margin-top:14px; }
    .bgc-pc-tabs { grid-template-columns:1fr; }
    .bgc-pc-form-grid,.bgc-pc-result-grid,.bgc-pc-result-grid-three,.bgc-pc-compare-results { grid-template-columns:1fr; }
    .bgc-pc-form-card { padding:19px 15px; }
    .bgc-pc-chart-head { align-items:flex-start; flex-direction:column; }
    .bgc-cp-hero { padding:62px 0 70px; }
    .bgc-cp-hero-visual,.bgc-cp-hero-visual img { min-height:310px; }
    .bgc-cp-floating { max-width:190px; padding:12px 14px; }
    .bgc-cp-benefit-grid { grid-template-columns:repeat(2,1fr); }
    .bgc-cp-benefit-grid > div + div { border-right:0; }
    .bgc-cp-benefit-grid > div:nth-child(even) { border-right:1px solid var(--bgc-border); }
    .bgc-cp-benefit-grid > div:nth-child(n+3) { border-top:1px solid var(--bgc-border); }
    .bgc-cp-tools-grid { grid-template-columns:1fr; }
}