:root{
  --navy:#002868;--green:#00843D;--red:#BF0A30;
  --light-bg:#F8F9FF;--card-bg:#FFFFFF;--border:#D0D5E8;
  --text:#1A1F36;--muted:#6B7280;
  --gold:#C8860A;--gold-light:#FFFBEB;
  --purple:#7C3AED;--purple-light:#F5F3FF;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}

/* HEADER */
.calc-header{background:linear-gradient(135deg,#001a55 0%,var(--navy) 50%,#00501F 100%);color:#fff;padding:26px 24px 20px;text-align:center;position:relative;overflow:hidden}
.calc-header::before{content:'📈';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:90px;opacity:.07}
.calc-header h1{font-size:clamp(18px,3.8vw,26px);font-weight:800;margin-bottom:6px}
.calc-header p{font-size:13px;opacity:.85;max-width:680px;margin:0 auto}
.header-badges{display:flex;flex-wrap:wrap;gap:7px;justify-content:center;margin-bottom:10px}
.hbadge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);border-radius:16px;padding:3px 12px;font-size:11px;font-weight:700}

/* TABS */
.tab-nav{display:flex;gap:3px;padding:13px 13px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}
.tab-nav::-webkit-scrollbar{display:none}
.tab-btn{flex-shrink:0;padding:8px 14px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}
.tab-btn.active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}
.tab-btn:hover:not(.active){color:var(--navy);background:var(--light-bg)}
.tab-pane{display:none;padding:18px 15px}
.tab-pane.active{display:block}

/* LAYOUT */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
@media(max-width:768px){.two-col{grid-template-columns:1fr}}
.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:17px;margin-bottom:13px}
.card-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:12px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.badge{background:var(--navy);color:#fff;font-size:10px;padding:2px 8px;border-radius:10px;font-weight:700}
.badge-gold{background:var(--gold);color:#fff;font-size:10px;padding:2px 8px;border-radius:10px;font-weight:700}
.badge-green{background:var(--green);color:#fff;font-size:10px;padding:2px 8px;border-radius:10px;font-weight:700}

/* FORM */
.form-group{margin-bottom:12px}
label{display:block;font-size:11.5px;font-weight:600;color:var(--muted);margin-bottom:4px;text-transform:uppercase;letter-spacing:.4px}
input[type=number],input[type=text],select{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:14px;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:.2s;-moz-appearance:textfield}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}
input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1)}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:11px;top:50%;transform:translateY(-50%);font-size:14px;color:var(--muted);font-weight:600;pointer-events:none}
.input-prefix input{padding-left:26px}
.input-suffix{position:relative}
.input-suffix span{position:absolute;right:11px;top:50%;transform:translateY(-50%);font-size:13px;color:var(--muted);font-weight:600;pointer-events:none}
.input-suffix input{padding-right:30px}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px}
@media(max-width:480px){.row-2,.row-3{grid-template-columns:1fr}}

/* TOGGLE */
.toggle-group{display:flex;gap:0;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;margin-bottom:12px}
.toggle-group label{margin:0}
.toggle-group input[type=radio]{display:none}
.toggle-group .tgl-btn{display:block;padding:8px 12px;font-size:11.5px;font-weight:700;color:var(--muted);cursor:pointer;background:#fff;border-right:1px solid var(--border);transition:.2s;text-transform:uppercase;letter-spacing:.3px;white-space:nowrap}
.toggle-group label:last-child .tgl-btn{border-right:none}
.toggle-group input[type=radio]:checked+.tgl-btn{background:var(--navy);color:#fff}

/* RESULTS */
.result-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff;border-radius:12px;padding:18px;text-align:center;margin-bottom:13px}
.result-hero .label{font-size:11px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.result-hero .value{font-size:36px;font-family:'Montserrat',sans-serif;font-weight:800}
.result-hero .subtitle{font-size:12px;opacity:.7;margin-top:3px}
.result-hero .real-value{font-size:14px;background:rgba(255,255,255,.15);border-radius:8px;padding:6px 12px;margin-top:8px;display:inline-block}

.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:13px}
.result-item{background:var(--light-bg);border-radius:9px;padding:11px 13px;border:1px solid var(--border)}
.result-item .r-label{font-size:11px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.result-item .r-value{font-size:17px;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}
.result-item .r-sub{font-size:11px;color:var(--muted);margin-top:2px}
.result-item.highlight{background:var(--green);border-color:var(--green)}
.result-item.highlight .r-label,.result-item.highlight .r-value,.result-item.highlight .r-sub{color:#fff}
.result-item.warn{background:#FFF3CD;border-color:#FFCA28}
.result-item.warn .r-value,.result-item.warn .r-label{color:#7B5800}
.result-item.gold{background:var(--gold-light);border-color:#FDE68A}
.result-item.gold .r-value,.result-item.gold .r-label{color:#78350F}
.result-item.purple{background:var(--purple-light);border-color:#C4B5FD}
.result-item.purple .r-value,.result-item.purple .r-label{color:#5B21B6}

/* TABLE */
.data-table{width:100%;border-collapse:collapse;font-size:12.5px}
.data-table th{background:var(--navy);color:#fff;padding:7px 10px;text-align:right;font-size:11px;text-transform:uppercase;letter-spacing:.3px}
.data-table th:first-child{text-align:left}
.data-table td{padding:7px 10px;border-bottom:1px solid var(--border);text-align:right}
.data-table td:first-child{text-align:left;color:var(--muted);font-weight:600}
.data-table tr:last-child td{border-bottom:none;font-weight:700;background:var(--light-bg)}
.data-table tr:hover td{background:var(--light-bg)}
.data-table .milestone{background:#EFF6FF}
.data-table .milestone td{color:var(--navy)!important;font-weight:700}

/* INFO BOXES */
.info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:11px 13px;font-size:13px;color:#1e40af;margin-bottom:12px}
.warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:11px 13px;font-size:13px;color:#92400E;margin-bottom:12px}
.success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:11px 13px;font-size:13px;color:#065F46;margin-bottom:12px}
.gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:11px 13px;font-size:13px;color:#78350F;margin-bottom:12px}
.purple-box{background:var(--purple-light);border:1px solid #C4B5FD;border-left:4px solid var(--purple);border-radius:8px;padding:11px 13px;font-size:13px;color:#5B21B6;margin-bottom:12px}

/* BUTTONS */
.btn-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:13px}
.btn{padding:10px 18px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:.2s;border:2px solid transparent;text-transform:uppercase;letter-spacing:.4px;display:inline-flex;align-items:center;gap:6px}
.btn-calc{background:var(--green);color:#fff;border-color:var(--green)}
.btn-calc:hover{background:#006B31}
.btn-clear{background:#fff;color:var(--red);border-color:var(--red)}
.btn-clear:hover{background:var(--red);color:#fff}
.btn-pdf{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-pdf:hover{background:#001a55}
.btn-wa{background:#25D366;color:#fff;border-color:#25D366}
.btn-wa:hover{background:#128C7E}
.btn-sm{padding:7px 12px;font-size:11px}

/* CHART */
.chart-wrap{position:relative;height:240px;margin-top:8px}
.chart-wrap-sm{position:relative;height:180px;margin-top:6px}
.chart-wrap-lg{position:relative;height:280px;margin-top:8px}

/* TEMPLATE BUTTONS */
.template-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:14px}
@media(max-width:480px){.template-grid{grid-template-columns:1fr}}
.template-btn{padding:10px 12px;border:2px solid var(--border);border-radius:10px;background:#fff;cursor:pointer;text-align:left;transition:.2s;font-family:'Inter',sans-serif}
.template-btn:hover{border-color:var(--navy);background:var(--light-bg)}
.template-btn .tb-title{font-size:12px;font-weight:700;color:var(--navy);margin-bottom:2px}
.template-btn .tb-sub{font-size:11px;color:var(--muted)}

/* SCENARIO TABLE */
.scenario-compare{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:13px}
@media(max-width:600px){.scenario-compare{grid-template-columns:1fr 1fr}}
.sc-card{border-radius:10px;padding:12px;border:2px solid var(--border);text-align:center}
.sc-card.best{border-color:var(--green);background:#ECFDF5}
.sc-card .sc-label{font-size:10px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}
.sc-card .sc-value{font-size:18px;font-family:'Montserrat',sans-serif;font-weight:800;color:var(--navy)}
.sc-card.best .sc-label,.sc-card.best .sc-value{color:var(--green)}
.sc-card .sc-rate{font-size:11px;color:var(--muted);margin-top:2px}

/* ACCOUNT TYPE CARDS */
.account-compare{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:13px}
@media(max-width:560px){.account-compare{grid-template-columns:1fr}}
.ac-card{border-radius:10px;padding:13px;border:2px solid var(--border);text-align:center}
.ac-card.taxable{border-color:#F59E0B;background:#FFFBEB}
.ac-card.traditional{border-color:var(--navy);background:var(--light-bg)}
.ac-card.roth{border-color:var(--green);background:#ECFDF5}
.ac-card .ac-label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;margin-bottom:5px}
.ac-card.taxable .ac-label{color:#92400E}
.ac-card.traditional .ac-label{color:var(--navy)}
.ac-card.roth .ac-label{color:var(--green)}
.ac-card .ac-fv{font-size:20px;font-family:'Montserrat',sans-serif;font-weight:800}
.ac-card .ac-net{font-size:13px;font-weight:700;margin-top:4px}
.ac-card .ac-sub{font-size:11px;color:var(--muted);margin-top:2px}

/* SECTION HEADER */
.section-header{background:linear-gradient(90deg,var(--navy),#1a3a6b);color:#fff;border-radius:9px;padding:11px 14px;margin-bottom:13px;display:flex;align-items:center;gap:10px}
.section-header h3{font-size:13.5px;font-weight:700;margin:0}

/* SOLVER MODE */
.solver-output{background:linear-gradient(135deg,var(--green),#006B31);color:#fff;border-radius:12px;padding:20px;text-align:center;margin-bottom:13px}
.solver-output .sol-label{font-size:11px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.solver-output .sol-value{font-size:40px;font-family:'Montserrat',sans-serif;font-weight:800}
.solver-output .sol-sub{font-size:13px;opacity:.8;margin-top:4px}

/* WITHDRAWAL PHASE */
.depletion-bar{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;overflow:hidden;height:24px;margin:8px 0;position:relative}
.depletion-fill{height:100%;background:linear-gradient(90deg,var(--green),#F59E0B,var(--red));transition:.4s}
.depletion-label{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);font-size:11px;font-weight:700;color:var(--navy);white-space:nowrap}

/* HIDDEN */
.hidden{display:none!important}

/* AD */
.ad-slot{background:#F1F5F9;border:1px dashed #CBD5E1;border-radius:8px;padding:11px;text-align:center;color:#94A3B8;font-size:12px;margin:12px 0}

/* PROGRESS MILESTONE */
.milestone-row{display:flex;align-items:center;gap:10px;padding:8px 12px;border-radius:8px;background:var(--light-bg);border:1px solid var(--border);margin-bottom:6px}
.milestone-row .ml-yr{min-width:52px;font-size:12px;font-weight:700;color:var(--muted)}
.milestone-row .ml-bar{flex:1;height:8px;background:#E5E7EB;border-radius:4px;overflow:hidden}
.milestone-row .ml-fill{height:100%;background:var(--green);border-radius:4px;transition:.3s}
.milestone-row .ml-val{min-width:90px;text-align:right;font-size:13px;font-weight:700;color:var(--navy)}
/* ===== HOW IT WORKS WRAPPER ===== */
.hiw-wrap{max-width:980px;margin:0 auto;padding:0 14px 34px}
.hiw-hero{background:linear-gradient(135deg,#001a55 0%,var(--navy) 55%,#00501F 100%);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 14px;position:relative;overflow:hidden}
.hiw-hero:before{content:'📘';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:86px;opacity:.07}
.hiw-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.hiw-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:720px;margin:0}
.hiw-chip-row{display:flex;flex-wrap:wrap;gap:7px;margin-top:10px}
.hiw-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.26);border-radius:15px;padding:3px 10px;font-size:10.5px;font-weight:700}

.hiw-step-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:14px}
@media(max-width:680px){.hiw-step-grid{grid-template-columns:1fr}}
.hiw-step{background:var(--card-bg);border:1.5px solid var(--border);border-radius:12px;padding:15px 15px 14px;box-shadow:0 2px 8px rgba(0,40,104,.05)}
.hiw-step-num{width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.hiw-step h3{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--navy);margin-bottom:6px}
.hiw-step p{font-size:12.5px;color:var(--text);line-height:1.65;margin:0 0 8px}
.hiw-step ul{margin:0;padding-left:18px}
.hiw-step li{font-size:12px;color:var(--muted);line-height:1.6;margin-bottom:4px}

.hiw-flow{display:grid;grid-template-columns:repeat(4,1fr);gap:9px;margin-bottom:14px}
@media(max-width:760px){.hiw-flow{grid-template-columns:repeat(2,1fr)}}
@media(max-width:460px){.hiw-flow{grid-template-columns:1fr}}
.hiw-flow-card{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:13px;text-align:center;position:relative}
.hiw-flow-card .icon{font-size:22px;margin-bottom:5px}
.hiw-flow-card .title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;color:var(--navy);margin-bottom:4px}
.hiw-flow-card .text{font-size:11.3px;color:var(--muted);line-height:1.5}

.hiw-formula-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:12px;margin-bottom:14px}
@media(max-width:760px){.hiw-formula-grid{grid-template-columns:1fr}}
.hiw-math-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px}
.hiw-math-card .math-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin-bottom:10px}
.hiw-math-card .math-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:12px 13px;font-size:13px;color:var(--text);line-height:1.75;margin-bottom:10px;overflow-x:auto}
.hiw-math-card .math-note{font-size:11.5px;color:var(--muted);line-height:1.6}

.hiw-mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:9px}
@media(max-width:460px){.hiw-mini-stats{grid-template-columns:1fr}}
.hiw-mini{background:#fff;border:1px solid var(--border);border-radius:10px;padding:12px}
.hiw-mini .label{font-size:10.5px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.35px;margin-bottom:3px}
.hiw-mini .value{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--navy)}
.hiw-mini .sub{font-size:11px;color:var(--muted);margin-top:3px;line-height:1.45}
.hiw-mini.green{background:#ECFDF5;border-color:#A7F3D0}.hiw-mini.green .value,.hiw-mini.green .label{color:#065F46}
.hiw-mini.gold{background:var(--gold-light);border-color:#FDE68A}.hiw-mini.gold .value,.hiw-mini.gold .label{color:#78350F}
.hiw-mini.purple{background:var(--purple-light);border-color:#C4B5FD}.hiw-mini.purple .value,.hiw-mini.purple .label{color:#5B21B6}

.hiw-table-wrap{overflow-x:auto}
.hiw-table{width:100%;border-collapse:collapse;font-size:12.5px}
.hiw-table th{background:var(--navy);color:#fff;padding:8px 10px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.35px}
.hiw-table td{padding:9px 10px;border-bottom:1px solid var(--border);vertical-align:top;line-height:1.6}
.hiw-table tr:last-child td{border-bottom:none}
.hiw-table td:first-child{font-weight:700;color:var(--navy);width:21%}
.hiw-table td:nth-child(2){color:var(--text);width:39%}
.hiw-table td:nth-child(3){color:var(--muted);width:40%}

.hiw-tip-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}
@media(max-width:760px){.hiw-tip-grid{grid-template-columns:1fr}}
.hiw-tip{border-radius:10px;padding:13px;border:1px solid var(--border);background:#fff}
.hiw-tip .tt{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;margin-bottom:4px}
.hiw-tip .tx{font-size:11.8px;color:var(--muted);line-height:1.6}
.hiw-tip.blue{background:#EFF6FF;border-color:#BFDBFE}.hiw-tip.blue .tt{color:#1D4ED8}
.hiw-tip.green{background:#ECFDF5;border-color:#A7F3D0}.hiw-tip.green .tt{color:#065F46}
.hiw-tip.gold{background:var(--gold-light);border-color:#FDE68A}.hiw-tip.gold .tt{color:#78350F}
/* ===== EXAMPLES WRAPPER ===== */
.ex-wrap{max-width:1040px;margin:0 auto;padding:0 14px 34px}
.ex-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b,#00501F);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 14px;position:relative;overflow:hidden}
.ex-hero:before{content:'📋';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:86px;opacity:.07}
.ex-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.ex-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:720px;margin:0}

/* Example card outer wrapper */
.ex-card{background:var(--card-bg);border:2px solid var(--border);border-radius:13px;margin-bottom:16px;overflow:hidden;box-shadow:0 2px 12px rgba(0,40,104,.06)}
.ex-card:hover{box-shadow:0 4px 20px rgba(0,40,104,.12)}

/* Header strip with number, scenario, and FV hero */
.ex-header{background:linear-gradient(90deg,var(--navy),#1a3a6b);color:#fff;padding:14px 16px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px}
.ex-header-left{display:flex;align-items:center;gap:10px;flex:1;min-width:0}
.ex-num{width:32px;height:32px;border-radius:50%;background:rgba(255,255,255,.2);border:2px solid rgba(255,255,255,.4);font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.ex-title-group{flex:1;min-width:0}
.ex-scenario{font-size:11px;opacity:.75;text-transform:uppercase;letter-spacing:.4px;margin-bottom:2px}
.ex-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;margin:0}
.ex-fv-hero{text-align:right;flex-shrink:0}
.ex-fv-label{font-size:10px;opacity:.7;text-transform:uppercase;letter-spacing:.3px}
.ex-fv-value{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;margin-top:1px}

/* Scenario intro box */
.ex-intro{background:var(--light-bg);border-bottom:1px solid var(--border);padding:13px 16px}
.ex-intro p{font-size:12.5px;color:var(--text);line-height:1.65;margin:0}

/* Two-column grid: person card + calculation */
.ex-body{padding:16px}
.ex-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:14px;margin-bottom:14px}
@media(max-width:760px){.ex-grid{grid-template-columns:1fr}}

/* Person/scenario details card */
.ex-person{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:14px}
.ex-person-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:9px;display:flex;align-items:center;gap:7px}
.ex-person-title .icon{font-size:16px}
.ex-detail-row{display:flex;justify-content:space-between;align-items:baseline;padding:6px 0;border-bottom:1px solid var(--border)}
.ex-detail-row:last-child{border-bottom:none}
.ex-detail-label{font-size:11px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.3px}
.ex-detail-value{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--navy)}

/* Calculation breakdown table */
.ex-calc{background:#fff;border:1px solid var(--border);border-radius:10px;overflow:hidden}
.ex-calc-title{background:var(--navy);color:#fff;padding:9px 12px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.4px}
.ex-calc-table{width:100%;border-collapse:collapse;font-size:12.5px}
.ex-calc-table tr{border-bottom:1px solid var(--border)}
.ex-calc-table tr:last-child{border-bottom:none}
.ex-calc-table td{padding:8px 12px}
.ex-calc-table td:first-child{color:var(--muted);font-weight:600;width:60%}
.ex-calc-table td:last-child{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy);text-align:right;width:40%}
.ex-calc-table tr.subtotal{background:var(--light-bg)}
.ex-calc-table tr.total{background:var(--navy);color:#fff;font-weight:800}
.ex-calc-table tr.total td{color:#fff;font-size:13px;padding:10px 12px}
.ex-calc-table tr.real{background:#FFF3CD;border-top:2px solid #FFCA28}
.ex-calc-table tr.real td{color:#7B5800;font-weight:700}

/* Alert insight box */
.ex-alert{border-left:4px solid var(--gold);background:var(--gold-light);border-radius:8px;padding:11px 13px;margin-bottom:12px}
.ex-alert strong{color:#78350F}
.ex-alert p{font-size:12px;color:#78350F;line-height:1.6;margin:0}

/* Outcome metric tiles */
.ex-outcome{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:12px}
@media(max-width:560px){.ex-outcome{grid-template-columns:1fr}}
.ex-metric{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:11px;text-align:center}
.ex-metric-label{font-size:10.5px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.35px;margin-bottom:4px}
.ex-metric-value{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--navy)}
.ex-metric-sub{font-size:10.5px;color:var(--muted);margin-top:3px}
.ex-metric.highlight{background:#ECFDF5;border-color:#A7F3D0}
.ex-metric.highlight .ex-metric-value,.ex-metric.highlight .ex-metric-label{color:#065F46}

/* Key takeaway box */
.ex-takeaway{background:linear-gradient(135deg,var(--green),#006B31);color:#fff;border-radius:10px;padding:13px 15px;margin-bottom:0}
.ex-takeaway-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px;opacity:.85}
.ex-takeaway-text{font-size:12px;line-height:1.6;margin:0}
* ===== PRO TIPS WRAPPER ===== */
.pt-wrap{max-width:980px;margin:0 auto;padding:0 14px 34px}
.pt-hero{background:linear-gradient(135deg,#001a55 0%,var(--navy) 50%,#7C3AED 100%);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 14px;position:relative;overflow:hidden}
.pt-hero:before{content:'🧠';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:86px;opacity:.07}
.pt-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.pt-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:720px;margin:0}

.pt-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:14px}
@media(max-width:760px){.pt-grid{grid-template-columns:1fr}}

.pt-card{background:var(--card-bg);border:1.5px solid var(--border);border-radius:12px;padding:14px 14px 13px;position:relative;overflow:hidden}
.pt-tag{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px;display:inline-flex;align-items:center;gap:5px}
.pt-tag span{font-size:14px}
.pt-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--navy);margin-bottom:6px}
.pt-body{font-size:12.5px;color:var(--text);line-height:1.7;margin-bottom:7px}
.pt-list{margin:0;padding-left:17px}
.pt-list li{font-size:12px;color:var(--muted);line-height:1.6;margin-bottom:4px}

.pt-card.blue{border-color:#BFDBFE;background:#EFF6FF}
.pt-card.blue .pt-tag{color:#1D4ED8}
.pt-card.green{border-color:#A7F3D0;background:#ECFDF5}
.pt-card.green .pt-tag{color:#065F46}
.pt-card.gold{border-color:#FDE68A;background:var(--gold-light)}
.pt-card.gold .pt-tag{color:#78350F}
.pt-card.purple{border-color:#C4B5FD;background:var(--purple-light)}
.pt-card.purple .pt-tag{color:#5B21B6}
.pt-card.red{border-color:#FECACA;background:#FEF2F2}
.pt-card.red .pt-tag{color:#B91C1C}

.pt-myth-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:14px}
@media(max-width:760px){.pt-myth-grid{grid-template-columns:1fr}}
.pt-myth{border-radius:11px;border:1px solid var(--border);background:#fff;overflow:hidden}
.pt-myth-top{background:var(--navy);color:#fff;padding:8px 11px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.4px}
.pt-myth-body{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--border)}
@media(max-width:560px){.pt-myth-body{grid-template-columns:1fr}}
.pt-myth-col{padding:9px 11px;font-size:11.5px;line-height:1.6}
.pt-myth-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;margin-bottom:3px}
.pt-myth-label.bad{color:#B91C1C}
.pt-myth-label.good{color:#065F46}
.pt-myth-col p{margin:0;color:var(--muted)}

.pt-mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:14px}
@media(max-width:760px){.pt-mini-grid{grid-template-columns:1fr}}
.pt-mini{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:11px 12px}
.pt-mini-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;color:var(--navy);margin-bottom:3px}
.pt-mini-text{font-size:11.5px;color:var(--muted);line-height:1.6}
.faq-wrap{max-width:980px;margin:0 auto;padding:0 14px 36px}
.faq-hero{background:linear-gradient(135deg,#001a55 0%,var(--navy) 55%,#C8860A 100%);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 16px;position:relative;overflow:hidden}
.faq-hero:before{content:'❓';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:90px;opacity:.07}
.faq-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.faq-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:760px;margin:0}

.faq-stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:9px;margin:12px 0 0}
@media(max-width:720px){.faq-stat-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:460px){.faq-stat-grid{grid-template-columns:1fr}}
.faq-stat{background:rgba(0,0,0,.08);border-radius:10px;padding:9px 11px;text-align:left}
.faq-stat .lab{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;opacity:.85}
.faq-stat .val{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800}
.faq-stat .sub{font-size:10.5px;opacity:.8;margin-top:2px}

.faq-filters{display:flex;flex-wrap:wrap;gap:6px;margin:4px 0 14px}
.faq-filter-btn{padding:4px 10px;border-radius:999px;border:1px solid var(--border);background:#fff;font-size:11px;font-weight:600;font-family:'Inter',sans-serif;cursor:pointer;color:var(--muted);display:inline-flex;align-items:center;gap:5px}
.faq-filter-btn span{font-size:13px}
.faq-filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

.faq-group-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin:14px 0 6px;display:flex;align-items:center;gap:6px}
.faq-group-title span{font-size:15px}

.faq-item{border-radius:10px;border:1px solid var(--border);background:#fff;margin-bottom:8px;overflow:hidden}
.faq-q{padding:9px 12px;display:flex;align-items:center;justify-content:space-between;gap:10px;cursor:pointer}
.faq-q-left{display:flex;align-items:center;gap:8px}
.faq-icon{width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0}
.faq-icon.basic{background:#EFF6FF;color:#1D4ED8}
.faq-icon.math{background:#ECFDF5;color:#065F46}
.faq-icon.infl{background:var(--gold-light);color:#92400E}
.faq-icon.tax{background:#FEF2F2;color:#B91C1C}
.faq-icon.plan{background:var(--purple-light);color:#5B21B6}
.faq-icon.misc{background:#F8FAFC;color:#475569}
.faq-q-text{font-size:12.5px;font-weight:600;color:var(--navy)}
.faq-chevron{font-size:14px;color:var(--muted);transition:.2s}
.faq-item.open .faq-chevron{transform:rotate(180deg)}

.faq-a{display:none;padding:0 12px 11px 12px;border-top:1px solid var(--border);background:#F9FAFB}
.faq-item.open .faq-a{display:block}
.faq-tags{display:flex;flex-wrap:wrap;gap:4px;margin:7px 0 6px}
.faq-tag{font-size:10px;padding:2px 7px;border-radius:999px;border:1px solid var(--border);background:#fff;color:var(--muted);font-weight:600}
.faq-body{font-size:12.3px;color:var(--text);line-height:1.7;margin:0 0 6px}
.faq-note{font-size:11px;color:var(--muted);line-height:1.6}
.rc-wrap{max-width:980px;margin:0 auto;padding:0 14px 34px}
.rc-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b,#C8860A);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 16px;position:relative;overflow:hidden}
.rc-hero:before{content:'🧮';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:86px;opacity:.07}
.rc-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.rc-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:720px;margin:0}

.rc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
@media(max-width:760px){.rc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.rc-grid{grid-template-columns:1fr}}

.rc-card{background:var(--card-bg);border:1.5px solid var(--border);border-radius:11px;padding:13px 13px 11px;display:flex;flex-direction:column;gap:7px;transition:.2s}
.rc-card:hover{transform:translateY(-1px);box-shadow:0 4px 14px rgba(0,40,104,.12);border-color:var(--navy)}
.rc-top{display:flex;align-items:flex-start;gap:8px}
.rc-icon{width:28px;height:28px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
.rc-icon.blue{background:#EFF6FF;color:#1D4ED8;border:1px solid #BFDBFE}
.rc-icon.green{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.rc-icon.gold{background:var(--gold-light);color:#92400E;border:1px solid #FDE68A}
.rc-icon.purple{background:var(--purple-light);color:#5B21B6;border:1px solid #C4B5FD}
.rc-icon.red{background:#FEF2F2;color:#B91C1C;border:1px solid #FECACA}

.rc-headings{flex:1}
.rc-tag{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.35px;color:var(--muted);margin-bottom:3px}
.rc-title{font-family:'Montserrat',sans-serif;font-size:12.7px;font-weight:800;color:var(--navy);margin-bottom:2px}
.rc-desc{font-size:11.5px;color:var(--muted);line-height:1.55}

.rc-meta{display:flex;flex-wrap:wrap;gap:5px;margin-top:3px}
.rc-pill{font-size:10px;padding:2px 7px;border-radius:999px;border:1px solid var(--border);color:var(--muted);background:#F9FAFB;font-weight:600}

.rc-footer{margin-top:7px;display:flex;align-items:center;justify-content:space-between;gap:8px}
.rc-note{font-size:10.5px;color:var(--muted)}
.rc-link{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);text-decoration:none;display:inline-flex;align-items:center;gap:4px}
.rc-link span{font-size:13px}

.rc-mini-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:14px}
@media(max-width:760px){.rc-mini-strip{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.rc-mini-strip{grid-template-columns:1fr}}
.rc-mini{border-radius:9px;border:1.5px solid var(--border);background:var(--light-bg);padding:9px 10px;text-decoration:none;display:flex;align-items:center;gap:8px;transition:.2s}
.rc-mini:hover{border-color:var(--navy);background:#fff;transform:translateY(-1px)}
.rc-mini-ico{font-size:17px}
.rc-mini-text{min-width:0}
.rc-mini-name{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;color:var(--navy);margin-bottom:1px}
.rc-mini-sub{font-size:10px;color:var(--muted);line-height:1.4}
.ld-wrap{max-width:980px;margin:0 auto;padding:0 14px 40px}
.ld-hero{background:linear-gradient(135deg,#3B0764,#581C87);color:#fff;border-radius:12px;padding:20px 20px 18px;margin:18px 0 16px;position:relative;overflow:hidden}
.ld-hero:before{content:'⚖️';position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:90px;opacity:.07}
.ld-hero h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:6px}
.ld-hero p{font-size:12.5px;line-height:1.65;opacity:.9;max-width:760px;margin:0}

.ld-grid{display:grid;grid-template-columns:1.4fr 1.1fr;gap:12px;margin-top:14px}
@media(max-width:780px){.ld-grid{grid-template-columns:1fr}}

.ld-box{background:#FAFAF9;border:2px solid #E4E4E7;border-radius:11px;padding:15px 16px;margin-bottom:12px}
.ld-box h3{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin:0 0 8px;text-transform:uppercase;letter-spacing:.4px}
.ld-box p{font-size:12.3px;color:#3F3F46;line-height:1.7;margin:0 0 8px}
.ld-box p:last-child{margin-bottom:0}
.ld-box ul{margin:6px 0 8px;padding-left:20px}
.ld-box li{font-size:12.1px;color:#3F3F46;line-height:1.7;margin-bottom:4px}

.ld-badge-row{display:flex;flex-wrap:wrap;gap:6px;margin:6px 0 2px}
.ld-badge{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.35px;border-radius:999px;padding:3px 9px;border:1px solid #E4E4E7;background:#FFF}

.ld-side-box{background:var(--light-bg);border:1px solid var(--border);border-radius:11px;padding:13px 14px;margin-bottom:10px}
.ld-side-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:4px}
.ld-side-text{font-size:11.5px;color:var(--muted);line-height:1.6}

.ld-gov-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:9px;padding:11px 13px;font-size:12.2px;color:#1E3A8A;margin:6px 0 10px}
.ld-gov-box a{color:#1D4ED8;font-weight:600;text-decoration:underline}

.ld-footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-top:8px}
@media(max-width:640px){.ld-footer-grid{grid-template-columns:1fr}}
.ld-footer-item{background:#F9FAFB;border:1px solid var(--border);border-radius:9px;padding:10px 11px}
.ld-footer-label{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.35px;margin-bottom:3px}
.ld-footer-text{font-size:11.2px;color:var(--muted);line-height:1.6}

.ld-updated{text-align:center;font-size:11px;color:var(--muted);margin-top:14px;padding-top:12px;border-top:1px solid var(--border)}