/* ============================================================
   KADENCE CSS VARIABLES & BRAND STYLES
   ============================================================ */
:root {
  --navy: #002868; --navy-dark: #00183F; --charcoal: #1D1D1F;
  --gray: #5F6368; --border: #E0E4E8; --bg: #F7F9FC;
  --white: #FFFFFF; --red: #BF0A30; --green: #00875A;
  --gold: #f59e0b; --orange: #ea580c; --teal: #0891b2;
  --sh-sm: 0 1px 4px rgba(0,40,104,0.08);
  --sh-md: 0 4px 20px rgba(0,40,104,0.12);
}

/* ── BASE WRAPPER (Prevents bleeding into WordPress) ── */
#armWrapper {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray);
  background: var(--bg);
  width: 100%;
  overflow-x: hidden;
  box-sizing: border-box;
  -webkit-font-smoothing: antialiased;
}

#armWrapper *, #armWrapper *::before, #armWrapper *::after {
  box-sizing: border-box;
}

/* ── Typography Patch ── */
#armWrapper .panel-title, #armWrapper .slabel, #armWrapper .f label, #armWrapper .chart-title, #armWrapper .klabel, #armWrapper .wlabel { color: #1e293b; font-weight: 800; }
#armWrapper .iw input, #armWrapper .iw select { font-weight: 600; color: #0f172a; font-size: 15px; }
#armWrapper .pfx, #armWrapper .sfx { color: #334155; font-weight: 800; }
#armWrapper .info-strip span, #armWrapper .empty-s p { color: #64748b; font-weight: 500; }
#armWrapper .input-section legend { color: #1e293b; font-weight: 800; font-family: 'Montserrat', sans-serif; font-size: 14px; text-transform: uppercase; letter-spacing: 0.5px; padding: 0 8px; margin-bottom: 12px; }

#armWrapper ul, #armWrapper li { display: block; list-style-type: disc; list-style-position: outside; }
#armWrapper ul { padding-left: 32px; margin-left: 0; }
#armWrapper li { display: list-item; padding-left: 0; margin-bottom: 8px; }

/* ── HERO SECTION ── */
#armWrapper .hero { background: linear-gradient(135deg, #0f2540 0%, #1a3a5c 60%, #1e4d7b 100%); padding: 52px 20px 44px; text-align: center; position: relative; margin-bottom: 28px; width: 100%; }
#armWrapper .hero-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
#armWrapper .hero h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4vw, 42px); color: #ffffff; line-height: 1.15; margin-bottom: 14px; letter-spacing: -0.5px; }
#armWrapper .hero h1 span { color: #FCD34D; }
#armWrapper .hero p { font-size: 15.5px; color: rgba(255,255,255,.83); max-width: 780px; margin: 0 auto 22px; line-height: 1.75; }
#armWrapper .chips { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }
#armWrapper .chip { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.92); font-size: 12px; font-weight: 600; padding: 5px 14px; border-radius: 20px; }

/* ── BADGES (Allowed to wrap so they don't break mobile) ── */
#armWrapper .badge, #armWrapper .cbadge, #armWrapper .section-badge, #armWrapper .rex-badge, #armWrapper .tips-badge, #armWrapper .faq-badge, #armWrapper .rc-badge, #armWrapper .rex-type-pill, #armWrapper .tip-cat-badge, #armWrapper .disc-mode-badge, #armWrapper .disc-cbadge {
  display: inline-flex; align-items: center; gap: 6px; 
  white-space: normal; text-align: center; line-height: 1.4; word-wrap: break-word;
}
#armWrapper .badge { background: rgba(243,156,18,.15); border: 1px solid rgba(243,156,18,.4); color: #fcd34d; font-size: 12px; font-weight: 700; padding: 5px 16px; border-radius: 20px; margin-bottom: 18px; }
#armWrapper .bdot { width: 7px; height: 7px; background: #fcd34d; border-radius: 50%; animation: blink 1.5s ease-in-out infinite; flex-shrink: 0; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .2; } }

/* ── CALCULATOR WRAPPER & GRID ── */
#armWrapper .wrap { max-width: 1300px; margin: 0 auto; padding: 0 20px 60px; width: 100%; }
#armWrapper .grid { display: grid; grid-template-columns: 420px 1fr; gap: 24px; align-items: start; }

#armWrapper .card { background: var(--white); border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--sh-sm); overflow: hidden; width: 100%; }
#armWrapper .card-sticky { position: sticky; top: 24px; padding: 24px; }

#armWrapper .input-section { border: 1px solid var(--border); border-radius: 12px; padding: 18px 20px; margin-bottom: 18px; background: var(--bg); }
#armWrapper .input-section.pro-only { border-left: 4px solid var(--navy); background: #f0f4f8; }

/* ── INPUTS ── */
#armWrapper .fg { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
#armWrapper .fg.triple { grid-template-columns: 1fr 1fr 1fr; }
#armWrapper .f { display: flex; flex-direction: column; gap: 5px; }
#armWrapper .f.full { grid-column: 1 / -1; margin-bottom: 14px; }
#armWrapper .f label { font-size: 12.5px; font-weight: 700; color: var(--charcoal); }
#armWrapper .f .hint { font-size: 11px; color: var(--gray); margin-top: -2px; display: block; }

#armWrapper .iw { position: relative; display: flex; align-items: center; height: 42px; border: 1.5px solid var(--border); border-radius: 8px; background: var(--white); overflow: hidden; transition: border-color .2s; width: 100%; }
#armWrapper .iw:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,40,104,0.09); }
#armWrapper .iw .pfx, #armWrapper .iw .sfx { flex: 0 0 auto; padding: 0 12px; font-size: 13px; font-weight: 700; color: var(--navy); background: var(--bg); height: 100%; display: inline-flex; align-items: center; border-right: 1.5px solid var(--border); z-index: 1; }
#armWrapper .iw.s .sfx { order: 2; border-right: 0; border-left: 1.5px solid var(--border); }
#armWrapper .iw input, #armWrapper .iw select { border: 0; background: transparent; padding: 0 12px; height: 100%; font-size: 14px; color: var(--charcoal); width: 100%; outline: none; }
#armWrapper .iw select { cursor: pointer; appearance: none; }
#armWrapper .iw.readonly { background: var(--bg); cursor: not-allowed; }
#armWrapper .iw.readonly input { color: var(--gray); cursor: not-allowed; }

/* ── TOGGLES & BUTTONS ── */
#armWrapper .mode-toggle-container { background: var(--bg); border: 1px solid var(--border); border-radius: 12px; padding: 12px 16px; margin-bottom: 18px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
#armWrapper .mode-toggle-label { font-size: 13px; font-weight: 700; color: var(--charcoal); display: flex; align-items: center; gap: 6px; }
#armWrapper .mode-badge { font-size: 10px; padding: 3px 8px; border-radius: 12px; font-weight: 800; text-transform: uppercase; }
#armWrapper .mode-badge.consumer { background: var(--green); color: #fff; }
#armWrapper .mode-badge.pro { background: var(--navy); color: #fff; }

#armWrapper .toggle-switch { position: relative; width: 44px; height: 24px; display: inline-block; cursor: pointer; flex-shrink: 0; }
#armWrapper .toggle-switch input { opacity: 0; width: 0; height: 0; }
#armWrapper .toggle-slider { position: absolute; inset: 0; background: var(--border); border-radius: 24px; transition: .2s; }
#armWrapper .toggle-slider::before { content: ''; position: absolute; height: 18px; width: 18px; left: 3px; bottom: 3px; background: white; border-radius: 50%; transition: .2s; box-shadow: var(--sh-sm); }
#armWrapper .toggle-switch input:checked + .toggle-slider { background: var(--navy); }
#armWrapper .toggle-switch input:checked + .toggle-slider::before { transform: translateX(20px); }

#armWrapper .chk-label { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--charcoal); cursor: pointer; margin-bottom: 8px; }

#armWrapper .actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; padding-top: 20px; border-top: 1px solid var(--border); }
#armWrapper .btn-p, #armWrapper .btn-s, #armWrapper .btn-g, #armWrapper .btn-rst { display: inline-flex; align-items: center; justify-content: center; gap: 7px; min-height: 46px; padding: 10px 18px; border-radius: 8px; font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700; cursor: pointer; border: none; transition: transform .16s; }
#armWrapper .btn-p { background: var(--navy); color: #fff; box-shadow: 0 6px 18px rgba(0,40,104,0.22); flex: 1 1 100%; }
#armWrapper .btn-p:hover { transform: translateY(-1px); background: var(--navy-dark); }
#armWrapper .btn-s { background: var(--red); color: #fff; display: none; flex: 1 1 calc(50% - 5px); }
#armWrapper .btn-g { background: var(--bg); color: var(--charcoal); border: 1.5px solid var(--border); display: none; flex: 1 1 calc(50% - 5px); }
#armWrapper .btn-rst { background: transparent; color: var(--gray); border: 1.5px solid var(--border); display: none; flex: 1 1 100%; }

/* ── RESULTS PANEL ── */
#armWrapper .res-panel { background: var(--bg); padding: 24px; border: 1px solid var(--border); border-radius: 18px; display: flex; flex-direction: column; width: 100%; }
#armWrapper .empty-s { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 48px 16px; flex: 1; }
#rc { display: none; flex-direction: column; gap: 16px; }

#armWrapper .res-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 10px; flex-wrap: wrap; }
#armWrapper .winner { padding: 22px; border-radius: 14px; background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%); color: #fff; position: relative; overflow: hidden; display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
#armWrapper .wlabel { font-size: 11px; font-weight: 700; text-transform: uppercase; color: rgba(255,255,255,0.65); font-family: 'Montserrat', sans-serif;}
#armWrapper .wtitle { font-family: 'Montserrat', sans-serif; font-size: clamp(24px, 3vw, 32px); font-weight: 900; line-height: 1.15; }

#armWrapper .kpis { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
#armWrapper .kpi { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 16px; text-align: center; }
#armWrapper .klabel { display: block; font-size: 11px; font-weight: 700; text-transform: uppercase; color: var(--gray); margin-bottom: 7px; font-family: 'Montserrat', sans-serif;}
#armWrapper .kval { font-family: 'Montserrat', sans-serif; font-size: clamp(18px, 2vw, 24px); font-weight: 800; color: var(--charcoal); word-wrap: break-word; }

/* ── CHARTS & TABLES (CONTAINED) ── */
#armWrapper .cw { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 18px; width: 100%; overflow-x: auto; }
#armWrapper .cw canvas { width: 100% !important; max-width: 100% !important; height: 280px !important; }

#armWrapper .tw, #armWrapper .rex-tw { border: 1px solid var(--border); border-radius: 10px; overflow-x: auto; -webkit-overflow-scrolling: touch; background: var(--white); width: 100%; }
#armWrapper .ct, #armWrapper .rex-ct { width: 100%; border-collapse: collapse; min-width: 500px; } /* Forces scroll on mobile */
#armWrapper .ct th, #armWrapper .ct td, #armWrapper .rex-ct th, #armWrapper .rex-ct td { padding: 12px 14px; border-bottom: 1px solid var(--border); font-size: 13px; text-align: right; color: var(--charcoal); }
#armWrapper .ct th, #armWrapper .rex-ct th { background: rgba(0,40,104,0.05); font-family: 'Montserrat', sans-serif; font-size: 11.5px; color: var(--navy); font-weight: 700; text-transform: uppercase; text-align: left; }

/* ── HOW IT WORKS & OTHER SECTIONS ── */
#armWrapper .hiw-section, #armWrapper .rex-section, #armWrapper .tips-section, #armWrapper .faq-section, #armWrapper .disc-section, #armWrapper .rc-section { padding: 0 20px 60px; max-width: 1300px; margin: 0 auto; width: 100%; }
#armWrapper .hiw-header, #armWrapper .rex-header, #armWrapper .tips-header, #armWrapper .faq-header, #armWrapper .disc-header, #armWrapper .rc-header { text-align: center; margin-bottom: 36px; }

#armWrapper .hiw-steps-grid, #armWrapper .hiw-concepts-grid, #armWrapper .tips-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
#armWrapper .tips-grid-2, #armWrapper .faq-layout, #armWrapper .disc-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
#armWrapper .rc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }

#armWrapper .hiw-step-card, #armWrapper .hiw-concept-card, #armWrapper .tip-card, #armWrapper .faq-item, #armWrapper .rc-card, #armWrapper .disc-card { background: var(--white); border: 1px solid var(--border); border-radius: 18px; padding: 20px; width: 100%; }

/* ============================================================
   MOBILE BREAKPOINTS (Safe Grid Collapse)
   ============================================================ */
@media screen and (max-width: 900px) {
  
  /* Collapse main grid */
  #armWrapper .grid { 
    grid-template-columns: 1fr; 
  }
  
  /* Convert multi-column grids to 1 column */
  #armWrapper .fg, 
  #armWrapper .fg.triple, 
  #armWrapper .hiw-steps-grid, 
  #armWrapper .hiw-concepts-grid, 
  #armWrapper .rex-scenario-body, 
  #armWrapper .tips-grid, 
  #armWrapper .tips-grid-2, 
  #armWrapper .disc-grid, 
  #armWrapper .faq-layout,
  #armWrapper .disc-links-grid {
    grid-template-columns: 1fr; 
    gap: 14px;
  }
  
  /* KPIs and Related Calculators to 2 columns */
  #armWrapper .kpis, 
  #armWrapper .rex-kpis,
  #armWrapper .rc-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* Stack flexbox rows vertically */
  #armWrapper .res-head, 
  #armWrapper .winner, 
  #armWrapper .rex-winner,
  #armWrapper .hiw-cta-strip,
  #armWrapper .tips-cta-strip,
  #armWrapper .faq-cta,
  #armWrapper .rc-view-all,
  #armWrapper .actions {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    gap: 16px;
  }
  
  /* Make buttons full width on mobile */
  #armWrapper .hiw-cta-btn,
  #armWrapper .tips-cta-btn,
  #armWrapper .faq-cta-btn,
  #armWrapper .rc-view-all-btns a,
  #armWrapper .btn-p,
  #armWrapper .btn-s,
  #armWrapper .btn-g,
  #armWrapper .btn-rst {
    width: 100%;
    justify-content: center;
  }

  /* Let Tabs wrap naturally */
  #armWrapper .rex-tab-nav, 
  #armWrapper .tips-filter-bar {
    display: flex;
    flex-wrap: wrap;
  }
  #armWrapper .rex-tab-btn, 
  #armWrapper .tips-filter-btn {
    flex: 1 1 calc(50% - 10px); 
    white-space: normal;
  }

  /* Safe padding for mobile edges */
  #armWrapper .wrap, 
  #armWrapper .hiw-section, 
  #armWrapper .rex-section, 
  #armWrapper .tips-section, 
  #armWrapper .rc-section, 
  #armWrapper .faq-section, 
  #armWrapper .disc-section {
    padding-left: 15px;
    padding-right: 15px;
  }
}

@media screen and (max-width: 480px) {
  /* On very small phones, collapse the last 2-column grids */
  #armWrapper .kpis, 
  #armWrapper .rex-kpis,
  #armWrapper .rc-grid {
    grid-template-columns: 1fr;
  }
  #armWrapper .hero h1 { font-size: 26px; }
}

/* ============================================================
   MISC UI ELEMENTS
   ============================================================ */
.pro-only { display: none; }
.pro-mode .pro-only { display: block; }
#armWrapper .alert-box, #armWrapper .rex-alert, #armWrapper .tip-card-alert { background: #fff5f7; border: 1px solid rgba(191,10,48,0.2); border-left: 4px solid var(--red); padding: 16px; border-radius: 8px; margin-bottom: 16px; }
#armWrapper .alert-box strong, #armWrapper .rex-alert strong { color: var(--red); display: flex; align-items: center; gap: 6px; font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800; text-transform: uppercase; }

#armWrapper .formula-ref summary, #armWrapper .faq-item summary { font-weight: 700; font-size: 13.5px; font-family: 'Montserrat', sans-serif; color: var(--navy); cursor: pointer; list-style: none; display: flex; align-items: center; justify-content: space-between; padding: 16px 20px; }
#armWrapper .formula-ref summary::-webkit-details-marker, #armWrapper .faq-item summary::-webkit-details-marker { display: none; }
#armWrapper .formula-ref .content, #armWrapper .faq-answer { padding: 0 20px 20px; border-top: 1px solid var(--border); font-size: 13px; color: var(--gray); line-height: 1.6; }

#armWrapper .tip-card-navy { border-left: 4px solid var(--navy); }
#armWrapper .tip-card-green { border-left: 4px solid var(--green); }
#armWrapper .tip-card-gold { border-left: 4px solid var(--gold); }
#armWrapper .tip-card-red { border-left: 4px solid var(--red); }
#armWrapper .tip-card-teal { border-left: 4px solid var(--teal); }
#armWrapper .tip-card-orange { border-left: 4px solid var(--orange); }

#armWrapper .tip-cat-badge.cat-timing { background: rgba(0,40,104,0.1); color: var(--navy); }
#armWrapper .tip-cat-badge.cat-savings { background: rgba(0,135,90,0.12); color: var(--green); }
#armWrapper .tip-cat-badge.cat-risk { background: rgba(191,10,48,0.1); color: var(--red); }
#armWrapper .tip-cat-badge.cat-investor { background: rgba(234,88,12,0.12); color: var(--orange); }
#armWrapper .tip-cat-badge.cat-refi { background: rgba(8,145,178,0.1); color: var(--teal); }
#armWrapper .tip-cat-badge.cat-caps { background: rgba(245,158,11,0.14); color: #b45309; }
/* ── Section wrapper ── */
#armWrapper .hiw-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section wrapper ── */
#armWrapper .hiw-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section header ── */
#armWrapper .hiw-header {
  text-align: center;
  margin-bottom: 44px;
}
#armWrapper .hiw-header .section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 16px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .hiw-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(22px, 3.5vw, 34px);
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.3px;
}
#armWrapper .hiw-header h2 span {
  color: var(--navy);
}
#armWrapper .hiw-header p {
  font-size: 15px;
  color: var(--gray);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── 6-Step grid ── */
#armWrapper .hiw-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 44px;
  position: relative;
}

/* Connector line behind the top row (decorative) */
#armWrapper .hiw-steps-grid::before {
  content: '';
  position: absolute;
  top: 36px;
  left: calc(16.66% + 10px);
  width: calc(66.66% - 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--navy) 0%, rgba(0,40,104,0.15) 100%);
  z-index: 0;
  pointer-events: none;
}

/* ── Step card ── */
#armWrapper .hiw-step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  box-shadow: var(--sh-sm);
  padding: 28px 22px 24px;
  position: relative;
  z-index: 1;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
#armWrapper .hiw-step-card:hover {
  box-shadow: var(--sh-md);
  transform: translateY(-3px);
}

/* Step number circle */
#armWrapper .hiw-step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 16px;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(0,40,104,0.28);
  position: relative;
  z-index: 2;
}

/* Step header row (num + icon) */
#armWrapper .hiw-step-top {
  display: flex;
  align-items: center;
  gap: 14px;
}

/* Icon bubble */
#armWrapper .hiw-step-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

/* Icon color variants */
#armWrapper .hiw-step-card:nth-child(1) .hiw-step-icon { background: rgba(0,40,104,0.08); }
#armWrapper .hiw-step-card:nth-child(2) .hiw-step-icon { background: rgba(0,135,90,0.09); }
#armWrapper .hiw-step-card:nth-child(3) .hiw-step-icon { background: rgba(245,158,11,0.1); }
#armWrapper .hiw-step-card:nth-child(4) .hiw-step-icon { background: rgba(8,145,178,0.09); }
#armWrapper .hiw-step-card:nth-child(5) .hiw-step-icon { background: rgba(191,10,48,0.07); }
#armWrapper .hiw-step-card:nth-child(6) .hiw-step-icon { background: rgba(234,88,12,0.08); }

/* Step title */
#armWrapper .hiw-step-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: var(--charcoal);
  line-height: 1.3;
  flex: 1;
}

/* Step description */
#armWrapper .hiw-step-desc {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.7;
  margin: 0;
}

/* Step tag (sub-label) */
#armWrapper .hiw-step-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  padding: 3px 10px;
  border-radius: 20px;
  margin-top: auto;
  width: fit-content;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
#armWrapper .hiw-step-card:nth-child(1) .hiw-step-tag { background: rgba(0,40,104,0.08); color: var(--navy); }
#armWrapper .hiw-step-card:nth-child(2) .hiw-step-tag { background: rgba(0,135,90,0.1); color: var(--green); }
#armWrapper .hiw-step-card:nth-child(3) .hiw-step-tag { background: rgba(245,158,11,0.12); color: #b45309; }
#armWrapper .hiw-step-card:nth-child(4) .hiw-step-tag { background: rgba(8,145,178,0.1); color: var(--teal); }
#armWrapper .hiw-step-card:nth-child(5) .hiw-step-tag { background: rgba(191,10,48,0.08); color: var(--red); }
#armWrapper .hiw-step-card:nth-child(6) .hiw-step-tag { background: rgba(234,88,12,0.1); color: var(--orange); }

/* ── Quick-facts info strip ── */
#armWrapper .hiw-info-strip {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 10px;
  padding: 16px 20px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 44px;
}
#armWrapper .hiw-info-strip .hiw-info-icon {
  font-size: 18px;
  flex-shrink: 0;
  margin-top: 1px;
}
#armWrapper .hiw-info-strip strong {
  color: var(--charcoal);
  font-weight: 700;
}

/* ── Key concepts row (3 mini-cards) ── */
#armWrapper .hiw-concepts-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 44px;
}
#armWrapper .hiw-concept-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px 18px;
  box-shadow: var(--sh-sm);
  position: relative;
  overflow: hidden;
}
#armWrapper .hiw-concept-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
}
#armWrapper .hiw-concept-card:nth-child(1)::before { background: var(--navy); }
#armWrapper .hiw-concept-card:nth-child(2)::before { background: var(--green); }
#armWrapper .hiw-concept-card:nth-child(3)::before { background: var(--gold); }

#armWrapper .hiw-concept-label {
  font-size: 10px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--gray);
  margin-bottom: 8px;
}
#armWrapper .hiw-concept-term {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 8px;
  line-height: 1.2;
}
#armWrapper .hiw-concept-def {
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.65;
  margin: 0;
}
#armWrapper .hiw-concept-example {
  display: inline-block;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 11.5px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  color: var(--charcoal);
  padding: 4px 10px;
  margin-top: 10px;
}

/* ── Formula reference (collapsible) ── */
#armWrapper .hiw-formula-ref {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
#armWrapper .hiw-formula-ref summary {
  font-weight: 700;
  font-size: 13.5px;
  font-family: 'Montserrat', sans-serif;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 16px 20px;
  user-select: none;
}
#armWrapper .hiw-formula-ref summary::-webkit-details-marker { display: none; }
#armWrapper .hiw-formula-ref summary .hiw-chevron {
  display: inline-block;
  transition: transform 0.2s ease;
  font-style: normal;
  font-size: 12px;
}
#armWrapper .hiw-formula-ref[open] summary .hiw-chevron {
  transform: rotate(180deg);
}
#armWrapper .hiw-formula-body {
  padding: 0 20px 20px;
  border-top: 1px solid var(--border);
}
#armWrapper .hiw-formula-body p {
  padding-top: 16px;
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 10px;
}
#armWrapper .hiw-formula-body strong { color: var(--charcoal); }
#armWrapper .hiw-formula-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 8px;
}
#armWrapper .hiw-formula-table th,
#armWrapper .hiw-formula-table td {
  padding: 10px 14px;
  font-size: 12.5px;
  border-bottom: 1px solid var(--border);
  text-align: left;
  color: var(--charcoal);
  vertical-align: top;
}
#armWrapper .hiw-formula-table th {
  background: rgba(0,40,104,0.05);
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--navy);
}
#armWrapper .hiw-formula-table tr:last-child td { border-bottom: 0; }
#armWrapper .hiw-formula-table code {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 2px 7px;
  font-family: 'Courier New', monospace;
  font-size: 11.5px;
  color: var(--navy);
  white-space: nowrap;
}

/* ── CTA strip ── */
#armWrapper .hiw-cta-strip {
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  border-radius: 16px;
  padding: 30px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
  margin-top: 44px;
}
#armWrapper .hiw-cta-strip::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%);
  pointer-events: none;
}
#armWrapper .hiw-cta-text {
  position: relative; z-index: 1;
}
#armWrapper .hiw-cta-text h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 18px;
  color: #fff;
  margin-bottom: 6px;
}
#armWrapper .hiw-cta-text p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.82);
  margin: 0;
  line-height: 1.6;
}
#armWrapper .hiw-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FCD34D;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  padding: 13px 24px;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform 0.16s ease, box-shadow 0.16s ease;
  white-space: nowrap;
  position: relative;
  z-index: 1;
}
#armWrapper .hiw-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
}

/* ============================================================
   REAL EXAMPLES — SCOPED STYLES (#armWrapper prefix)
   ============================================================ */

/* ── Section wrapper ── */
#armWrapper .rex-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section header ── */
#armWrapper .rex-header {
  text-align: center;
  margin-bottom: 36px;
}
#armWrapper .rex-header .rex-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .rex-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(22px, 3.5vw, 34px);
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
#armWrapper .rex-header h2 span { color: var(--navy); }
#armWrapper .rex-header p {
  font-size: 15px;
  color: var(--gray);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── Tab navigation ── */
#armWrapper .rex-tab-nav {
  display: flex;
  gap: 6px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 5px;
  margin-bottom: 24px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
#armWrapper .rex-tab-nav::-webkit-scrollbar { display: none; }

#armWrapper .rex-tab-btn {
  flex: 1 1 0;
  min-width: 100px;
  padding: 10px 14px;
  border: none;
  border-radius: 8px;
  background: transparent;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--gray);
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, box-shadow 0.18s ease;
  text-align: center;
  white-space: nowrap;
  line-height: 1.3;
}
#armWrapper .rex-tab-btn:hover {
  background: rgba(0,40,104,0.06);
  color: var(--navy);
}
#armWrapper .rex-tab-btn.rex-active {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--sh-sm);
}
#armWrapper .rex-tab-btn .rex-arm-type {
  display: block;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 2px;
}
#armWrapper .rex-tab-btn .rex-arm-label {
  display: block;
  font-size: 10.5px;
  font-weight: 600;
  color: var(--gray);
  font-family: 'Inter', sans-serif;
}
#armWrapper .rex-tab-btn.rex-active .rex-arm-label {
  color: var(--navy);
  opacity: 0.7;
}

/* ── Tab panels (hide all, show active) ── */
#armWrapper .rex-panel { display: none; }
#armWrapper .rex-panel.rex-show { display: block; }

/* ── Scenario outer card (matches .card) ── */
#armWrapper .rex-scenario-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  box-shadow: var(--sh-sm);
  overflow: hidden;
}

/* ── Scenario header (matches .res-head pattern) ── */
#armWrapper .rex-scenario-head {
  padding: 22px 24px 18px;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  background: var(--bg);
}
#armWrapper .rex-scenario-meta { flex: 1 1 auto; }
#armWrapper .rex-scenario-eyebrow {
  font-size: 11px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--gray);
  margin-bottom: 5px;
}
#armWrapper .rex-scenario-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(16px, 2.5vw, 22px);
  font-weight: 900;
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 6px;
}
#armWrapper .rex-scenario-sub {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
}
#armWrapper .rex-type-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
  flex-shrink: 0;
}

/* ARM type pill colors */
#armWrapper .rex-pill-31  { background: rgba(8,145,178,0.1); color: var(--teal); }
#armWrapper .rex-pill-51  { background: rgba(0,40,104,0.09); color: var(--navy); }
#armWrapper .rex-pill-71  { background: rgba(0,135,90,0.1); color: var(--green); }
#armWrapper .rex-pill-101 { background: rgba(245,158,11,0.12); color: #b45309; }
#armWrapper .rex-pill-inv { background: rgba(234,88,12,0.1); color: var(--orange); }

/* ── Body layout ── */
#armWrapper .rex-scenario-body {
  padding: 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

/* ── Winner banner (matches .winner exactly) ── */
#armWrapper .rex-winner {
  padding: 22px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
  margin-bottom: 20px;
  grid-column: 1 / -1;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
#armWrapper .rex-winner::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%);
  pointer-events: none;
}
#armWrapper .rex-winner-left { position: relative; z-index: 1; }
#armWrapper .rex-winner-label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 6px;
  font-family: 'Montserrat', sans-serif;
}
#armWrapper .rex-winner-value {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(26px, 3.5vw, 36px);
  font-weight: 900;
  line-height: 1.1;
  color: #fff;
  margin-bottom: 5px;
}
#armWrapper .rex-winner-value span {
  font-size: 16px;
  font-weight: 700;
  color: rgba(255,255,255,0.75);
}
#armWrapper .rex-winner-sub {
  font-size: 13px;
  color: rgba(255,255,255,0.82);
  line-height: 1.6;
  position: relative;
  z-index: 1;
}
#armWrapper .rex-winner-right {
  position: relative;
  z-index: 1;
  text-align: right;
}
#armWrapper .rex-winner-shock {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 10px;
  padding: 12px 16px;
  text-align: center;
}
#armWrapper .rex-winner-shock .shock-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(255,255,255,0.65);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  margin-bottom: 4px;
}
#armWrapper .rex-winner-shock .shock-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 900;
  line-height: 1;
}
#armWrapper .rex-winner-shock .shock-val.shock-safe { color: #86efac; }
#armWrapper .rex-winner-shock .shock-val.shock-warn { color: #fcd34d; }
#armWrapper .rex-winner-shock .shock-val.shock-danger { color: #fca5a5; }

/* ── KPI grid (matches .kpis / .kpi exactly) ── */
#armWrapper .rex-kpis {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  grid-column: 1 / -1;
  margin-bottom: 8px;
}
#armWrapper .rex-kpi {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px;
  text-align: center;
  box-shadow: 0 1px 4px rgba(0,40,104,0.06);
}
#armWrapper .rex-klabel {
  display: block;
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--gray);
  margin-bottom: 7px;
  font-family: 'Montserrat', sans-serif;
}
#armWrapper .rex-kval {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(15px, 1.8vw, 20px);
  font-weight: 800;
  line-height: 1.2;
  color: var(--charcoal);
}
#armWrapper .rex-kval.pos { color: var(--green); }
#armWrapper .rex-kval.neg { color: var(--red); }
#armWrapper .rex-kval.warn { color: #b45309; }

/* ── Left column: Loan Details ── */
#armWrapper .rex-col-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--charcoal);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--border);
  display: flex;
  align-items: center;
  gap: 8px;
}
#armWrapper .rex-detail-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
  font-size: 13px;
}
#armWrapper .rex-detail-row:last-child { border-bottom: 0; }
#armWrapper .rex-detail-label {
  color: var(--gray);
  font-weight: 500;
  flex: 1;
  line-height: 1.4;
}
#armWrapper .rex-detail-value {
  font-weight: 700;
  color: var(--charcoal);
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  text-align: right;
  flex-shrink: 0;
}
#armWrapper .rex-detail-value.navy { color: var(--navy); }
#armWrapper .rex-detail-value.green { color: var(--green); }
#armWrapper .rex-detail-value.red { color: var(--red); }
#armWrapper .rex-detail-value.gold { color: #b45309; }

/* ── Right column: Scenario Breakdown table (matches .tw/.ct) ── */
#armWrapper .rex-tw {
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  background: var(--white);
  box-shadow: 0 1px 4px rgba(0,40,104,0.06);
}
#armWrapper .rex-ct {
  width: 100%;
  border-collapse: collapse;
  min-width: 360px;
}
#armWrapper .rex-ct th {
  background: rgba(0,40,104,0.05);
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  color: var(--navy);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  padding: 10px 14px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}
#armWrapper .rex-ct td {
  padding: 9px 14px;
  border-bottom: 1px solid var(--border);
  font-size: 13px;
  color: var(--charcoal);
  font-variant-numeric: tabular-nums;
}
#armWrapper .rex-ct tbody tr:last-child td { border-bottom: 0; }
#armWrapper .rex-ct tbody tr:hover td { background: rgba(0,40,104,0.02); }
#armWrapper .rex-ct td.right { text-align: right; font-weight: 700; font-family: 'Montserrat', sans-serif; }
#armWrapper .rex-ct td.pos { color: var(--green); font-weight: 700; }
#armWrapper .rex-ct td.neg { color: var(--red); font-weight: 700; }
#armWrapper .rex-ct td.warn { color: #b45309; font-weight: 700; }

/* ── Alert box (matches .alert-box exactly) ── */
#armWrapper .rex-alert {
  background: #fff5f7;
  border: 1px solid rgba(191,10,48,0.2);
  border-left: 4px solid var(--red);
  padding: 14px 16px;
  border-radius: 8px;
  margin-top: 16px;
  grid-column: 1 / -1;
}
#armWrapper .rex-alert strong {
  color: var(--red);
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 800;
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
#armWrapper .rex-alert p {
  margin: 0;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
}

/* ── Green insight box (success) ── */
#armWrapper .rex-insight {
  background: rgba(0,135,90,0.06);
  border: 1px solid rgba(0,135,90,0.18);
  border-left: 4px solid var(--green);
  padding: 14px 16px;
  border-radius: 8px;
  margin-top: 16px;
  grid-column: 1 / -1;
}
#armWrapper .rex-insight strong {
  color: var(--green);
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 800;
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
#armWrapper .rex-insight p {
  margin: 0;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
}

/* ── Gold insight box (warning) ── */
#armWrapper .rex-caution {
  background: rgba(245,158,11,0.07);
  border: 1px solid rgba(245,158,11,0.25);
  border-left: 4px solid var(--gold);
  padding: 14px 16px;
  border-radius: 8px;
  margin-top: 16px;
  grid-column: 1 / -1;
}
#armWrapper .rex-caution strong {
  color: #b45309;
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 800;
  margin-bottom: 5px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
#armWrapper .rex-caution p {
  margin: 0;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
}

/* ── Info strip (matches .info-strip exactly) ── */
#armWrapper .rex-info-strip {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
  margin-top: 16px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  grid-column: 1 / -1;
}

/* ── Investor Pro badge ── */
#armWrapper .rex-pro-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--navy);
  color: #fff;
  font-size: 10px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 3px 9px;
  border-radius: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  vertical-align: middle;
  margin-left: 8px;
}

/* ── Disclaimer note ── */
#armWrapper .rex-disclaimer {
  margin-top: 24px;
  padding: 16px 20px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 12px;
  color: var(--gray);
  line-height: 1.65;
  text-align: center;
}

/* ============================================================
   PRO TIPS — SCOPED STYLES (#armWrapper prefix)
   ============================================================ */

#armWrapper .tips-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section Header ── */
#armWrapper .tips-header {
  text-align: center;
  margin-bottom: 36px;
}
#armWrapper .tips-header .tips-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .tips-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(22px, 3.5vw, 34px);
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
#armWrapper .tips-header h2 span { color: var(--navy); }
#armWrapper .tips-header p {
  font-size: 15px;
  color: var(--gray);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── Category filter tabs ── */
#armWrapper .tips-filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
  justify-content: center;
}
#armWrapper .tips-filter-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 16px;
  border-radius: 20px;
  border: 1.5px solid var(--border);
  background: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--gray);
  cursor: pointer;
  transition: all 0.18s ease;
}
#armWrapper .tips-filter-btn:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: rgba(0,40,104,0.04);
}
#armWrapper .tips-filter-btn.tips-filter-active {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

/* ── Category Section Headings (matches .res-sec h3) ── */
#armWrapper .tips-cat-heading {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 16px;
  margin-top: 36px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--border);
}
#armWrapper .tips-cat-heading:first-of-type { margin-top: 0; }
#armWrapper .tips-cat-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: 10px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  flex-shrink: 0;
}

/* ── Tips grid ── */
#armWrapper .tips-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 8px;
}
#armWrapper .tips-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-bottom: 8px;
}

/* ── Tip card — base (matches .input-section) ── */
#armWrapper .tip-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 18px 20px;
  background: var(--bg);
  position: relative;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
#armWrapper .tip-card:hover {
  box-shadow: var(--sh-md);
  transform: translateY(-2px);
}

/* ── Left-border variants (matches .input-section.pro-only pattern) ── */
#armWrapper .tip-card-navy {
  border-left: 4px solid var(--navy);
  background: #f0f4ff;
}
#armWrapper .tip-card-green {
  border-left: 4px solid var(--green);
  background: #f0faf5;
}
#armWrapper .tip-card-gold {
  border-left: 4px solid var(--gold);
  background: #fdfaf0;
}
#armWrapper .tip-card-red {
  border-left: 4px solid var(--red);
  background: #fff5f7;
}
#armWrapper .tip-card-teal {
  border-left: 4px solid var(--teal);
  background: #f0f9fc;
}
#armWrapper .tip-card-orange {
  border-left: 4px solid var(--orange);
  background: #fdf5f0;
}

/* ── Tip card header row ── */
#armWrapper .tip-card-header {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 12px;
}
#armWrapper .tip-icon {
  font-size: 22px;
  flex-shrink: 0;
  line-height: 1;
  margin-top: 1px;
}
#armWrapper .tip-title-wrap { flex: 1; }
#armWrapper .tip-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.3;
  margin-bottom: 5px;
}

/* ── Category badge (matches .mode-badge) ── */
#armWrapper .tip-cat-badge {
  font-size: 9.5px;
  padding: 2px 8px;
  border-radius: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-family: 'Montserrat', sans-serif;
  display: inline-block;
}
#armWrapper .tip-cat-badge.cat-timing   { background: rgba(0,40,104,0.1); color: var(--navy); }
#armWrapper .tip-cat-badge.cat-savings  { background: rgba(0,135,90,0.12); color: var(--green); }
#armWrapper .tip-cat-badge.cat-risk     { background: rgba(191,10,48,0.1); color: var(--red); }
#armWrapper .tip-cat-badge.cat-investor { background: rgba(234,88,12,0.12); color: var(--orange); }
#armWrapper .tip-cat-badge.cat-refi     { background: rgba(8,145,178,0.1); color: var(--teal); }
#armWrapper .tip-cat-badge.cat-caps     { background: rgba(245,158,11,0.14); color: #b45309; }

/* ── Pro tag (matches .pro-feature-tag exactly) ── */
#armWrapper .tip-pro-tag {
  display: inline-block;
  background: var(--navy);
  color: #fff;
  font-size: 9px;
  padding: 2px 6px;
  border-radius: 4px;
  vertical-align: middle;
  margin-left: 6px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

/* ── Tip body text ── */
#armWrapper .tip-body {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.7;
  margin: 0;
}
#armWrapper .tip-body strong { color: var(--charcoal); font-weight: 700; }

/* ── Tip highlight stat ── */
#armWrapper .tip-stat {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 14px;
  padding: 10px 14px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
}
#armWrapper .tip-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 900;
  color: var(--navy);
  white-space: nowrap;
  flex-shrink: 0;
}
#armWrapper .tip-stat-val.green { color: var(--green); }
#armWrapper .tip-stat-val.red   { color: var(--red); }
#armWrapper .tip-stat-val.gold  { color: #b45309; }
#armWrapper .tip-stat-label {
  font-size: 11.5px;
  color: var(--gray);
  line-height: 1.5;
}

/* ── Tip action chip (matches .chip pattern) ── */
#armWrapper .tip-action {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--white);
  border: 1px solid var(--border);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  padding: 4px 12px;
  border-radius: 20px;
  margin-top: 12px;
  cursor: default;
}

/* ── Warning tip card (matches .alert-box) ── */
#armWrapper .tip-card-alert {
  background: #fff5f7;
  border: 1px solid rgba(191,10,48,0.2);
  border-left: 4px solid var(--red);
  border-radius: 8px;
  padding: 16px 18px;
}
#armWrapper .tip-card-alert .tip-alert-title {
  color: var(--red);
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
#armWrapper .tip-card-alert p {
  margin: 0;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
}

/* ── Info strip (matches .info-strip exactly) ── */
#armWrapper .tips-info-strip {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
  margin: 28px 0 0;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
#armWrapper .tips-info-strip strong { color: var(--charcoal); }

/* ── Collapsible formula ref (matches .formula-ref exactly) ── */
#armWrapper .tips-formula-ref {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-top: 28px;
  overflow: hidden;
}
#armWrapper .tips-formula-ref summary {
  font-weight: 700;
  font-size: 13.5px;
  font-family: 'Montserrat', sans-serif;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 16px 20px;
  user-select: none;
}
#armWrapper .tips-formula-ref summary::-webkit-details-marker { display: none; }
#armWrapper .tips-chevron {
  display: inline-block;
  font-style: normal;
  font-size: 12px;
  transition: transform 0.2s ease;
}
#armWrapper .tips-formula-ref[open] .tips-chevron { transform: rotate(180deg); }
#armWrapper .tips-formula-body {
  padding: 0 20px 20px;
  border-top: 1px solid var(--border);
}
#armWrapper .tips-rule-list {
  padding-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
#armWrapper .tips-rule-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
#armWrapper .tips-rule-num {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(0,40,104,0.1);
  color: var(--navy);
  font-size: 10px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
#armWrapper .tips-rule-text {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
}
#armWrapper .tips-rule-text strong { color: var(--charcoal); }

/* ── CTA strip (navy gradient — matches .winner) ── */
#armWrapper .tips-cta-strip {
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  border-radius: 16px;
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
  margin-top: 36px;
}
#armWrapper .tips-cta-strip::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%);
  pointer-events: none;
}
#armWrapper .tips-cta-text { position: relative; z-index: 1; }
#armWrapper .tips-cta-text h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 18px;
  color: #fff;
  margin-bottom: 6px;
}
#armWrapper .tips-cta-text p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.82);
  margin: 0;
  line-height: 1.6;
}
#armWrapper .tips-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FCD34D;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  padding: 13px 24px;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform 0.16s ease, box-shadow 0.16s ease;
  white-space: nowrap;
  position: relative;
  z-index: 1;
}
#armWrapper .tips-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
}

/* ============================================================
   FAQ — SCOPED STYLES (#armWrapper prefix)
   ============================================================ */

#armWrapper .faq-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section header ── */
#armWrapper .faq-header {
  text-align: center;
  margin-bottom: 36px;
}
#armWrapper .faq-header .faq-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .faq-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(22px, 3.5vw, 34px);
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
#armWrapper .faq-header h2 span { color: var(--navy); }
#armWrapper .faq-header p {
  font-size: 15px;
  color: var(--gray);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── Layout: 2-col on desktop ── */
#armWrapper .faq-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  align-items: start;
  margin-bottom: 28px;
}

/* ── FAQ item — matches .formula-ref exactly ── */
#armWrapper .faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  transition: box-shadow 0.2s ease;
}
#armWrapper .faq-item:hover {
  box-shadow: var(--sh-sm);
}
#armWrapper .faq-item[open] {
  box-shadow: var(--sh-sm);
  border-color: rgba(0,40,104,0.2);
}

/* ── Summary (matches .formula-ref summary exactly) ── */
#armWrapper .faq-item summary {
  font-weight: 700;
  font-size: 13.5px;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  user-select: none;
  line-height: 1.4;
  transition: background 0.15s ease;
}
#armWrapper .faq-item summary::-webkit-details-marker { display: none; }
#armWrapper .faq-item summary:hover { background: rgba(0,40,104,0.03); }
#armWrapper .faq-item[open] summary {
  border-bottom: 1px solid var(--border);
  background: rgba(0,40,104,0.03);
}

/* ── Question number pill ── */
#armWrapper .faq-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  flex-shrink: 0;
  line-height: 1;
}
#armWrapper .faq-item[open] .faq-num {
  background: var(--navy);
  box-shadow: 0 2px 8px rgba(0,40,104,0.3);
}

/* ── Question text ── */
#armWrapper .faq-q {
  flex: 1;
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.4;
}
#armWrapper .faq-item[open] .faq-q { color: var(--navy); }

/* ── Chevron ── */
#armWrapper .faq-chevron {
  font-style: normal;
  font-size: 11px;
  color: var(--gray);
  transition: transform 0.2s ease;
  flex-shrink: 0;
}
#armWrapper .faq-item[open] .faq-chevron {
  transform: rotate(180deg);
  color: var(--navy);
}

/* ── Answer body ── */
#armWrapper .faq-answer {
  padding: 16px 18px 18px;
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
#armWrapper .faq-answer p { margin: 0; }
#armWrapper .faq-answer strong { color: var(--charcoal); font-weight: 700; }

/* ── Formula / code spans (matches ARM code style) ── */
#armWrapper .faq-answer code {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 1px 6px;
  font-family: 'Courier New', monospace;
  font-size: 12px;
  color: var(--navy);
  white-space: nowrap;
}

/* ── Key stat box inside answer (matches .kpi) ── */
#armWrapper .faq-stat {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.1);
  border-radius: 8px;
  padding: 12px 14px;
}
#armWrapper .faq-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 20px;
  font-weight: 900;
  color: var(--navy);
  white-space: nowrap;
  flex-shrink: 0;
}
#armWrapper .faq-stat-val.green { color: var(--green); }
#armWrapper .faq-stat-val.red   { color: var(--red); }
#armWrapper .faq-stat-val.gold  { color: #b45309; }
#armWrapper .faq-stat-label {
  font-size: 12px;
  color: var(--gray);
  line-height: 1.55;
}

/* ── Inline answer list ── */
#armWrapper .faq-answer ul {
  margin: 0;
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
#armWrapper .faq-answer ul li { font-size: 13px; color: var(--gray); line-height: 1.6; }
#armWrapper .faq-answer ul li strong { color: var(--charcoal); }

/* ── Cap table inside answer ── */
#armWrapper .faq-mini-table {
  width: 100%;
  border-collapse: collapse;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  font-size: 12.5px;
}
#armWrapper .faq-mini-table th {
  background: rgba(0,40,104,0.06);
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--navy);
  padding: 8px 12px;
  text-align: left;
  border-bottom: 1px solid var(--border);
}
#armWrapper .faq-mini-table td {
  padding: 7px 12px;
  border-bottom: 1px solid var(--border);
  color: var(--charcoal);
  font-variant-numeric: tabular-nums;
}
#armWrapper .faq-mini-table tbody tr:last-child td { border-bottom: 0; }
#armWrapper .faq-mini-table td strong { font-family: 'Montserrat', sans-serif; }

/* ── Tip callout inside answer (matches .info-strip) ── */
#armWrapper .faq-tip {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
#armWrapper .faq-tip strong { color: var(--charcoal); }

/* ── Schema-ready disclaimer ── */
#armWrapper .faq-disclaimer {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 18px;
  font-size: 12px;
  color: var(--gray);
  line-height: 1.65;
  text-align: center;
  margin-top: 8px;
}

/* ── CTA strip (navy gradient — matches .winner) ── */
#armWrapper .faq-cta {
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  border-radius: 16px;
  padding: 26px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
  margin-top: 28px;
}
#armWrapper .faq-cta::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%);
  pointer-events: none;
}
#armWrapper .faq-cta-text { position: relative; z-index: 1; }
#armWrapper .faq-cta-text h3 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 18px;
  color: #fff;
  margin-bottom: 5px;
}
#armWrapper .faq-cta-text p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.82);
  margin: 0;
}
#armWrapper .faq-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #FCD34D;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  padding: 13px 24px;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: transform 0.16s ease, box-shadow 0.16s ease;
  white-space: nowrap;
  position: relative;
  z-index: 1;
}
#armWrapper .faq-cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
}

/* ============================================================
   RELATED CALCULATORS — SCOPED STYLES (#armWrapper prefix)
   ============================================================ */

#armWrapper .rc-section {
  padding: 0 20px 60px;
  max-width: 1300px;
  margin: 0 auto;
}

/* ── Section header ── */
#armWrapper .rc-header {
  text-align: center;
  margin-bottom: 36px;
}
#armWrapper .rc-header .rc-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .rc-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(22px, 3.5vw, 34px);
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
#armWrapper .rc-header h2 span { color: var(--navy); }
#armWrapper .rc-header p {
  font-size: 15px;
  color: var(--gray);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── 12-card grid ── */
#armWrapper .rc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

/* ── Card (matches .card exactly + .kpi styling) ── */
#armWrapper .rc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: 0 1px 4px rgba(0,40,104,0.07);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.2s ease, transform 0.2s ease, border-color 0.2s ease;
  position: relative;
}
#armWrapper .rc-card:hover {
  box-shadow: var(--sh-md);
  transform: translateY(-4px);
  border-color: rgba(0,40,104,0.22);
  text-decoration: none;
}
#armWrapper .rc-card:hover .rc-card-arrow { opacity: 1; transform: translateX(3px); }

/* Top accent line (unique per card — nth-child) */
#armWrapper .rc-card::before {
  content: '';
  display: block;
  height: 3px;
  width: 100%;
  flex-shrink: 0;
}
/* Assign accent colors in sets of 3 */
#armWrapper .rc-card:nth-child(1)::before,
#armWrapper .rc-card:nth-child(4)::before,
#armWrapper .rc-card:nth-child(7)::before,
#armWrapper .rc-card:nth-child(10)::before { background: var(--navy); }

#armWrapper .rc-card:nth-child(2)::before,
#armWrapper .rc-card:nth-child(5)::before,
#armWrapper .rc-card:nth-child(8)::before,
#armWrapper .rc-card:nth-child(11)::before { background: var(--green); }

#armWrapper .rc-card:nth-child(3)::before,
#armWrapper .rc-card:nth-child(6)::before,
#armWrapper .rc-card:nth-child(9)::before,
#armWrapper .rc-card:nth-child(12)::before { background: var(--gold); }

/* ── Card inner padding ── */
#armWrapper .rc-card-body {
  padding: 16px 16px 14px;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* ── Emoji icon (matches .pticon approach) ── */
#armWrapper .rc-card-icon {
  font-size: 26px;
  line-height: 1;
  display: block;
}

/* ── Card title (matches .res-sec h3) ── */
#armWrapper .rc-card-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.35;
  margin: 0;
  flex: 1;
}

/* ── Card description (.klabel style) ── */
#armWrapper .rc-card-desc {
  font-size: 12px;
  color: var(--gray);
  line-height: 1.65;
  margin: 0;
  font-family: 'Inter', sans-serif;
}

/* ── Card footer row (tag + arrow) ── */
#armWrapper .rc-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  padding: 10px 16px 14px;
  border-top: 1px solid var(--border);
  background: rgba(0,40,104,0.02);
}

/* ── Category tag (matches .cbadge exactly) ── */
#armWrapper .rc-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  border-radius: 999px;
  padding: 3px 10px;
  font-size: 10.5px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  white-space: nowrap;
  text-transform: uppercase;
  letter-spacing: 0.3px;
  border: 1px solid transparent;
}
/* Tag color variants */
#armWrapper .tag-navy   { background: rgba(0,40,104,0.09);   color: var(--navy);   border-color: rgba(0,40,104,0.18); }
#armWrapper .tag-green  { background: rgba(0,135,90,0.09);   color: var(--green);  border-color: rgba(0,135,90,0.18); }
#armWrapper .tag-teal   { background: rgba(8,145,178,0.09);  color: var(--teal);   border-color: rgba(8,145,178,0.18); }
#armWrapper .tag-gold   { background: rgba(245,158,11,0.1);  color: #b45309;       border-color: rgba(245,158,11,0.25); }
#armWrapper .tag-red    { background: rgba(191,10,48,0.08);  color: var(--red);    border-color: rgba(191,10,48,0.18); }
#armWrapper .tag-orange { background: rgba(234,88,12,0.09);  color: var(--orange); border-color: rgba(234,88,12,0.18); }

/* ── Arrow icon ── */
#armWrapper .rc-card-arrow {
  font-size: 14px;
  color: var(--navy);
  opacity: 0;
  transition: opacity 0.18s ease, transform 0.18s ease;
  flex-shrink: 0;
}

/* ── "View All" CTA (navy gradient — matches .winner) ── */
#armWrapper .rc-view-all {
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  border-radius: 16px;
  padding: 26px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
  margin-top: 28px;
}
#armWrapper .rc-view-all::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%);
  pointer-events: none;
}
#armWrapper .rc-view-all-text { position: relative; z-index: 1; }
#armWrapper .rc-view-all-text strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(16px, 2vw, 20px);
  color: #fff;
  margin-bottom: 5px;
}
#armWrapper .rc-view-all-text span {
  font-size: 13.5px;
  color: rgba(255,255,255,0.82);
  line-height: 1.6;
}
#armWrapper .rc-view-all-btns {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
#armWrapper .rc-btn-gold {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: #FCD34D;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  padding: 12px 22px;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  transition: transform 0.16s ease, box-shadow 0.16s ease;
  white-space: nowrap;
}
#armWrapper .rc-btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.25);
  text-decoration: none;
}
#armWrapper .rc-btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.12);
  border: 1.5px solid rgba(255,255,255,0.3);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 13px;
  padding: 12px 22px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.16s ease, transform 0.16s ease;
  white-space: nowrap;
}
#armWrapper .rc-btn-ghost:hover {
  background: rgba(255,255,255,0.2);
  transform: translateY(-2px);
  text-decoration: none;
}

/* ── Stat bar (3 trust counts) ── */
#armWrapper .rc-stats-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
  padding: 18px 20px;
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.1);
  border-radius: 10px;
  margin-top: 20px;
}
#armWrapper .rc-stat-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
}
#armWrapper .rc-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(18px, 2.5vw, 24px);
  color: var(--navy);
  line-height: 1;
}
#armWrapper .rc-stat-label {
  font-size: 11px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--gray);
}
#armWrapper .rc-stat-divider {
  width: 1px;
  height: 36px;
  background: var(--border);
  flex-shrink: 0;
}

/* ── Section Header ── */
#armWrapper .disc-header {
  text-align: center;
  margin-bottom: 32px;
}
#armWrapper .disc-header .disc-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(191,10,48,0.07);
  border: 1px solid rgba(191,10,48,0.18);
  color: var(--red);
  font-size: 11.5px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
#armWrapper .disc-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(20px, 3vw, 30px);
  color: var(--charcoal);
  line-height: 1.25;
  margin-bottom: 8px;
  letter-spacing: -0.3px;
}
#armWrapper .disc-header h2 span { color: var(--navy); }
#armWrapper .disc-header p {
  font-size: 14px;
  color: var(--gray);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.7;
  font-family: 'Inter', sans-serif;
}

/* ── Primary Alert Box (matches .alert-box exactly) ── */
#armWrapper .disc-alert {
  background: #fff5f7;
  border: 1px solid rgba(191,10,48,0.2);
  border-left: 4px solid var(--red);
  padding: 16px;
  border-radius: 8px;
  margin-bottom: 20px;
}
#armWrapper .disc-alert-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
  gap: 7px;
  margin-bottom: 8px;
}
#armWrapper .disc-alert p {
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.7;
  margin: 0;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-alert p + p { margin-top: 8px; }
#armWrapper .disc-alert strong { font-weight: 700; color: var(--charcoal); }

/* ── 2-col layout ── */
#armWrapper .disc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 20px;
}

/* ── Info panel — matches .info-strip ── */
#armWrapper .disc-info-panel {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 8px;
  padding: 16px 18px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-info-panel h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 7px;
}
#armWrapper .disc-info-panel ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
#armWrapper .disc-info-panel ul li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.55;
}
#armWrapper .disc-info-panel ul li::before {
  content: '✓';
  color: var(--navy);
  font-weight: 800;
  font-size: 11px;
  flex-shrink: 0;
  margin-top: 2px;
}
#armWrapper .disc-info-panel strong { color: var(--charcoal); font-weight: 700; }

/* ── Green accuracy panel ── */
#armWrapper .disc-green-panel {
  background: rgba(0,135,90,0.05);
  border: 1px solid rgba(0,135,90,0.15);
  border-radius: 8px;
  padding: 16px 18px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-green-panel h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--green);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 7px;
}
#armWrapper .disc-green-panel ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
#armWrapper .disc-green-panel ul li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.55;
}
#armWrapper .disc-green-panel ul li::before {
  content: '✓';
  color: var(--green);
  font-weight: 800;
  font-size: 11px;
  flex-shrink: 0;
  margin-top: 2px;
}
#armWrapper .disc-green-panel strong { color: var(--charcoal); font-weight: 700; }

/* ── Full-width card (matches .card/.formula-ref) ── */
#armWrapper .disc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 16px;
}
#armWrapper .disc-card-header {
  background: rgba(0,40,104,0.04);
  border-bottom: 1px solid var(--border);
  padding: 13px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}
#armWrapper .disc-card-header h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  margin: 0;
  flex: 1;
}
#armWrapper .disc-card-body {
  padding: 16px 18px;
}
#armWrapper .disc-card-body p {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.7;
  margin: 0 0 12px;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-card-body p:last-child { margin-bottom: 0; }
#armWrapper .disc-card-body strong { color: var(--charcoal); font-weight: 700; }

/* ── Gov Links Grid ── */
#armWrapper .disc-links-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 4px;
}
/* Outbound gov link card (matches .kpi) */
#armWrapper .disc-gov-link {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 6px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 12px 13px;
  text-decoration: none;
  transition: box-shadow 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
  position: relative;
  overflow: hidden;
}
#armWrapper .disc-gov-link::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--navy);
}
#armWrapper .disc-gov-link:hover {
  box-shadow: var(--sh-sm);
  border-color: rgba(0,40,104,0.22);
  transform: translateY(-2px);
  text-decoration: none;
}
#armWrapper .disc-gov-link-agency {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.4px;
  line-height: 1.2;
}
#armWrapper .disc-gov-link-name {
  font-size: 12px;
  color: var(--charcoal);
  font-weight: 600;
  line-height: 1.35;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-gov-link-url {
  font-size: 10.5px;
  color: var(--gray);
  font-family: 'Courier New', monospace;
  display: flex;
  align-items: center;
  gap: 4px;
}
#armWrapper .disc-gov-link-url::after {
  content: '↗';
  font-size: 9px;
  color: var(--navy);
  font-family: sans-serif;
}
/* Variant accent colors */
#armWrapper .disc-gov-link.accent-green::before  { background: var(--green); }
#armWrapper .disc-gov-link.accent-teal::before   { background: var(--teal); }
#armWrapper .disc-gov-link.accent-gold::before   { background: var(--gold); }
#armWrapper .disc-gov-link.accent-orange::before { background: var(--orange); }
#armWrapper .disc-gov-link.accent-red::before    { background: var(--red); }

/* ── Category badge row (matches .cbadge) ── */
#armWrapper .disc-badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}
#armWrapper .disc-cbadge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  border-radius: 999px;
  padding: 4px 12px;
  font-size: 11px;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  border: 1px solid transparent;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}
#armWrapper .disc-cbadge.badge-navy   { background: rgba(0,40,104,0.09);   color: var(--navy);   border-color: rgba(0,40,104,0.18); }
#armWrapper .disc-cbadge.badge-green  { background: rgba(0,135,90,0.09);   color: var(--green);  border-color: rgba(0,135,90,0.18); }
#armWrapper .disc-cbadge.badge-gold   { background: rgba(245,158,11,0.1);  color: #b45309;       border-color: rgba(245,158,11,0.25); }
#armWrapper .disc-cbadge.badge-teal   { background: rgba(8,145,178,0.09);  color: var(--teal);   border-color: rgba(8,145,178,0.18); }

/* ── Editorial transparency block (formula-ref style) ── */
#armWrapper .disc-editorial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  margin-bottom: 16px;
  overflow: hidden;
}
#armWrapper .disc-editorial-header {
  background: rgba(0,40,104,0.04);
  border-bottom: 1px solid var(--border);
  padding: 13px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}
#armWrapper .disc-editorial-header h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--navy);
  margin: 0;
}
#armWrapper .disc-editorial-body {
  padding: 16px 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
#armWrapper .disc-rule {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
#armWrapper .disc-rule-num {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(0,40,104,0.1);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
#armWrapper .disc-rule-text {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-rule-text strong { color: var(--charcoal); font-weight: 700; }

/* ── Pro tag (matches .pro-feature-tag) ── */
#armWrapper .disc-pro-tag {
  display: inline-block;
  background: var(--navy);
  color: #fff;
  font-size: 9px;
  padding: 2px 6px;
  border-radius: 4px;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.3px;
  vertical-align: middle;
  margin-left: 6px;
}

/* ── Mode badge (matches .mode-badge) ── */
#armWrapper .disc-mode-badge {
  font-size: 10px;
  padding: 3px 8px;
  border-radius: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-family: 'Montserrat', sans-serif;
  display: inline-block;
}
#armWrapper .disc-mode-badge.badge-cfpb  { background: rgba(0,40,104,0.1); color: var(--navy); }
#armWrapper .disc-mode-badge.badge-reg-z { background: rgba(0,135,90,0.1); color: var(--green); }
#armWrapper .disc-mode-badge.badge-irs   { background: rgba(191,10,48,0.1); color: var(--red); }

/* ── Final fine-print box ── */
#armWrapper .disc-fine-print {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 11.5px;
  color: var(--gray);
  line-height: 1.65;
  text-align: center;
  font-family: 'Inter', sans-serif;
}
#armWrapper .disc-fine-print a {
  color: var(--navy);
  text-decoration: none;
  font-weight: 600;
}
#armWrapper .disc-fine-print a:hover { text-decoration: underline; }

/* =========================================================
   ☢️ THE NUCLEAR MOBILE OVERWRITE ☢️
   ========================================================= */

html, body {
  max-width: 100vw !important;
  overflow-x: hidden !important;
  margin: 0 !important;
  padding: 0 !important;
}

#armWrapper {
  width: 100% !important;
  max-width: 100vw !important;
  overflow-x: hidden !important;
  box-sizing: border-box !important;
}

#armWrapper * {
  box-sizing: border-box !important;
  max-width: 100% !important;
}

@media screen and (max-width: 860px) {
  /* Destroy grids */
  #armWrapper .grid,
  #armWrapper .fg,
  #armWrapper .fg.triple,
  #armWrapper .kpis,
  #armWrapper .rex-kpis,
  #armWrapper .hiw-steps-grid,
  #armWrapper .hiw-concepts-grid,
  #armWrapper .rex-scenario-body,
  #armWrapper .tips-grid,
  #armWrapper .tips-grid-2,
  #armWrapper .rc-grid,
  #armWrapper .disc-grid,
  #armWrapper .faq-layout {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    min-width: 0 !important;
    gap: 16px !important;
  }

  /* Stack horizontals */
  #armWrapper .res-head,
  #armWrapper .winner,
  #armWrapper .rex-winner,
  #armWrapper .hiw-step-card,
  #armWrapper .hiw-cta-strip,
  #armWrapper .rex-scenario-head,
  #armWrapper .tips-cta-strip,
  #armWrapper .faq-cta {
    display: flex !important;
    flex-direction: column !important;
    align-items: flex-start !important;
    width: 100% !important;
    height: auto !important;
    gap: 12px !important;
  }

  /* Wrap badges */
  #armWrapper .badge,
  #armWrapper .cbadge,
  #armWrapper .section-badge,
  #armWrapper .tips-badge,
  #armWrapper .faq-badge,
  #armWrapper .rc-badge,
  #armWrapper .chip,
  #armWrapper .rex-type-pill,
  #armWrapper .tip-cat-badge,
  #armWrapper .disc-mode-badge,
  #armWrapper .disc-cbadge {
    white-space: normal !important;
    height: auto !important;
    text-align: left !important;
    line-height: 1.4 !important;
  }

  /* Wrap tabs */
  #armWrapper .rex-tab-nav,
  #armWrapper .tips-filter-bar {
    display: flex !important;
    flex-wrap: wrap !important;
    height: auto !important;
  }
  #armWrapper .rex-tab-btn,
  #armWrapper .tips-filter-btn {
    flex: 1 1 calc(50% - 10px) !important;
    white-space: normal !important;
    min-height: 44px !important;
    padding: 8px !important;
  }

  /* Contain Tables */
  #armWrapper .tw,
  #armWrapper .rex-tw {
    display: block !important;
    width: 100% !important;
    min-width: 0 !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }
  #armWrapper .ct,
  #armWrapper .rex-ct,
  #armWrapper .hiw-formula-table,
  #armWrapper .faq-mini-table {
    width: 100% !important;
    min-width: 500px !important;
    max-width: none !important;
  }

  /* Contain Chart */
  #armWrapper .cw {
    width: 100% !important;
    min-width: 0 !important;
    overflow-x: auto !important;
  }
  #armWrapper canvas {
    width: 100% !important;
    min-width: 400px !important;
  }

  /* Full width inputs/buttons */
  #armWrapper .iw,
  #armWrapper .btn-p,
  #armWrapper .btn-s,
  #armWrapper .btn-g,
  #armWrapper .btn-rst {
    width: 100% !important;
  }

  /* Safe padding */
  #armWrapper .wrap,
  #armWrapper .hiw-section,
  #armWrapper .rex-section,
  #armWrapper .tips-section,
  #armWrapper .rc-section,
  #armWrapper .faq-section,
  #armWrapper .disc-section {
    padding-left: 14px !important;
    padding-right: 14px !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }
}