:root{--navy:#002868;--navy-soft:#1e3a5f;--navy-mid:#2d5f8a;--red:#BF0A30;--green:#00875A;--gold:#D4A017;--orange:#E57A00;--text:#1A1F36;--muted:#6B7280;--border:#D0D5E8;--light:#F8F9FF;--card:#FFFFFF}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--light);color:var(--text);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .calc-header{background:linear-gradient(135deg,var(--navy-soft),var(--navy-mid));color:#fff;padding:28px 18px 22px;text-align:center}
    .calc-header h1{font-size:clamp(1.35rem,3.8vw,2rem);font-weight:800;margin-bottom:8px}.calc-header p{font-size:.92rem;opacity:.92;max-width:980px;margin:0 auto}
    .header-badges{display:flex;justify-content:center;gap:8px;flex-wrap:wrap;margin-top:14px}.header-badge{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:5px 12px;font-size:.72rem;font-weight:700}
    .calc-body{max-width:1280px;margin:0 auto;padding:18px 14px 32px}.calc-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:18px;align-items:start}
    .card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:18px;box-shadow:0 4px 18px rgba(0,40,104,.08)} .card + .card{margin-top:14px}
    .card-title{display:flex;align-items:center;gap:8px;font-size:.97rem;font-weight:700;color:var(--navy-soft);margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid #f1f4fb}.icon-box{width:22px;height:22px;border-radius:6px;background:var(--navy-soft);display:flex;align-items:center;justify-content:center;color:#fff;font-size:.75rem;flex-shrink:0}
    .form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.form-row{margin-bottom:12px}.form-row label{display:block;font-size:.79rem;font-weight:700;color:var(--text);margin-bottom:5px}.form-row label .hint{font-weight:500;color:var(--muted);font-size:.72rem}
    input[type="number"],select{width:100%;border:1.5px solid var(--border);border-radius:8px;padding:9px 11px;font-size:.88rem;font-family:Inter,sans-serif;color:var(--text);background:#fff;outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy-soft);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .toggle-group{display:flex;gap:0}.toggle-group label{flex:1;text-align:center;padding:8px 6px;font-size:.77rem;font-weight:700;cursor:pointer;border:1.5px solid var(--border);background:#fff;color:var(--muted);transition:all .2s}.toggle-group label:first-child{border-radius:8px 0 0 8px}.toggle-group label:last-child{border-radius:0 8px 8px 0}.toggle-group input{display:none}.toggle-group label:has(input:checked){background:var(--navy-soft);color:#fff;border-color:var(--navy-soft)}
    .calc-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:8px}.btn{padding:10px 18px;border-radius:8px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;border:2px solid transparent;transition:all .2s;display:inline-flex;align-items:center;gap:6px}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)} .btn-primary:hover{background:#006e32}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)} .btn-outline:hover{background:var(--red);color:#fff}.btn-secondary{background:var(--navy-soft);color:#fff;border-color:var(--navy-soft)} .btn-secondary:hover{background:#152c47}.btn-wa{background:#25D366;color:#fff;border-color:#25D366} .btn-wa:hover{background:#1daa53}
    .ad-slot{background:#f0f4ff;border:2px dashed var(--border);border-radius:8px;padding:16px;text-align:center;color:var(--muted);font-size:.78rem;margin:14px 0}.ad-slot span{font-weight:700;color:var(--navy)}
    .hidden{display:none!important}.result-highlight{background:linear-gradient(135deg,var(--navy-soft),var(--navy-mid));color:#fff;border-radius:12px;padding:18px;margin-bottom:12px}.result-highlight.green{background:linear-gradient(135deg,var(--green),#006e32)}.result-highlight.red{background:linear-gradient(135deg,var(--red),#8b0020)}.result-highlight.amber{background:linear-gradient(135deg,#9a6c00,#c28700)}
    .result-highlight .label{font-size:.73rem;opacity:.82;letter-spacing:.4px;text-transform:uppercase;margin-bottom:4px}.result-highlight .value{font-size:1.55rem;font-weight:800;font-family:Montserrat,sans-serif}.result-highlight .sub{font-size:.8rem;opacity:.78;margin-top:3px}
    .result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:12px}.res-box{background:#f7f9fc;border:1px solid var(--border);border-radius:10px;padding:11px;text-align:center}.rb-label{font-size:.69rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}.rb-val{font-size:1rem;font-weight:800;color:var(--navy-soft);font-family:Montserrat,sans-serif}.rb-sub{font-size:.69rem;color:var(--muted);margin-top:2px}
    .alert-info,.alert-danger,.alert-warning,.alert-success{padding:11px 13px;font-size:.8rem;line-height:1.55;border-radius:0 8px 8px 0;margin:9px 0}.alert-info{background:#f0f6ff;border-left:4px solid var(--navy-soft)}.alert-danger{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}.alert-warning{background:#fff8e1;border-left:4px solid var(--gold);color:#5d4037}.alert-success{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:10px 0}.scenario-col{border:1px solid var(--border);border-radius:10px;overflow:hidden;background:#fff}.scenario-col-header{padding:9px;text-align:center;font-size:.74rem;font-weight:800;font-family:Montserrat,sans-serif}.scenario-col-body{padding:9px;font-size:.76rem}.sc-base{background:var(--navy-soft);color:#fff}.sc-mile{background:#fff3e0;color:#8a4b08}.sc-hold{background:#e8f5e9;color:#1b5e20}.scenario-row{display:flex;justify-content:space-between;gap:8px;padding:5px 0;border-bottom:1px solid rgba(0,0,0,.06)}.scenario-row:last-child{border-bottom:none;font-weight:700}
    .chart-wrap{position:relative;height:280px;margin-top:10px}.data-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border)} table{width:100%;border-collapse:collapse;font-size:.78rem} thead th{background:var(--navy-soft);color:#fff;padding:9px 11px;text-align:left;font-family:Montserrat,sans-serif;font-size:.72rem;white-space:nowrap} tbody tr:nth-child(even){background:#f5f7ff} tbody tr:hover{background:#eef1ff} td{padding:8px 11px;border-bottom:1px solid var(--border);white-space:nowrap}.td-bold{font-weight:800;color:var(--navy-soft)}
    .placeholder-msg{text-align:center;padding:38px 18px;color:var(--muted)} .placeholder-msg .big-icon{font-size:2.2rem;margin-bottom:10px}.sticky-note{background:#f8fbff;border:1px dashed var(--border);padding:10px 12px;border-radius:10px;font-size:.76rem;color:var(--muted)}.disclaimer{font-size:.72rem;color:var(--muted);margin-top:12px;line-height:1.55;padding:10px 12px;background:#f5f5f5;border-radius:8px}
    @media (max-width:900px){.calc-grid{grid-template-columns:1fr}.form-grid,.result-grid,.scenario-grid{grid-template-columns:1fr 1fr}} @media (max-width:600px){.calc-body{padding:14px 10px 28px}.form-grid,.result-grid,.scenario-grid{grid-template-columns:1fr}.card{padding:16px}.calc-header{padding:24px 14px 20px}.calc-header p{font-size:.86rem}}
    /* ============================================================
   SECTION 1 — EDUCATIONAL: HOW IT WORKS
   ============================================================ */

/* --- Shared Section Shell --- */
.edu-section {
  font-family: 'Inter', sans-serif;
  padding: 56px 0 64px;
}

.edu-bg-light { background: #f8f9ff; }

.edu-container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 18px;
}

/* --- Section Header --- */
.edu-section-head {
  text-align: center;
  margin-bottom: 44px;
}

.edu-badge {
  display: inline-block;
  background: rgba(0, 40, 104, 0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 13px;
}

.edu-badge-dark {
  background: var(--navy-soft);
  color: #fff;
}

.edu-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.25rem, 3.5vw, 1.75rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 12px;
  line-height: 1.3;
}

.edu-subtitle {
  font-size: 0.93rem;
  color: var(--muted);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.75;
}

/* --- Step Layout --- */
.edu-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.edu-step {
  display: flex;
  gap: 0;
  position: relative;
}

.edu-step-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  width: 72px;
  flex-shrink: 0;
  padding-top: 6px;
}

.edu-step-num {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--navy-soft);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  letter-spacing: 0.3px;
  text-transform: uppercase;
  box-shadow: 0 3px 12px rgba(0,40,104,0.22);
}

.edu-step-line {
  width: 2px;
  flex: 1;
  background: linear-gradient(to bottom, var(--navy-mid), rgba(0,40,104,0.08));
  margin-top: 6px;
  min-height: 40px;
}

.edu-step:last-child .edu-step-line { display: none; }

.edu-step-right {
  flex: 1;
  padding: 0 0 32px 4px;
}

.edu-step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 22px 20px;
  box-shadow: 0 3px 16px rgba(0,40,104,0.06);
}

.edu-step-icon {
  font-size: 1.8rem;
  margin-bottom: 10px;
}

.edu-step-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.02rem;
  font-weight: 800;
  color: var(--navy-soft);
  margin: 0 0 10px;
}

.edu-step-desc {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.7;
  margin: 0 0 16px;
}

/* --- Callout Boxes --- */
.edu-callout {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 0.83rem;
  line-height: 1.65;
  margin-top: 14px;
}

.edu-callout-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }

.edu-callout-blue  { background: #f0f6ff; border-left: 4px solid var(--navy-soft); color: #1a2a4a; }
.edu-callout-red   { background: #fff0f0; border-left: 4px solid var(--red); color: #7a0a18; }
.edu-callout-green { background: #edfaf4; border-left: 4px solid var(--green); color: #0e4530; }

/* --- Mini Grid (key-value pairs) --- */
.edu-mini-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 16px;
  margin-top: 16px;
}

.edu-mini-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
  background: #f8f9ff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 9px 11px;
}

.edu-mini-label {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--navy-soft);
  text-transform: uppercase;
  letter-spacing: 0.4px;
}

.edu-mini-val {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.45;
}

/* --- Table inside step card --- */
.edu-table-wrap {
  overflow-x: auto;
  border-radius: 10px;
  border: 1px solid var(--border);
  margin-top: 16px;
}

.edu-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
  min-width: 480px;
}

.edu-table thead th {
  background: var(--navy-soft);
  color: #fff;
  padding: 9px 12px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  white-space: nowrap;
}

.edu-table tbody tr:nth-child(even) { background: #f5f7ff; }
.edu-table tbody tr:hover { background: #eef1ff; }
.edu-table tbody td {
  padding: 9px 12px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  line-height: 1.5;
  vertical-align: top;
}
.edu-table tbody tr:last-child td { border-bottom: none; }

/* --- Formula Box --- */
.edu-formula-box {
  background: #0f2444;
  border-radius: 10px;
  padding: 16px 18px;
  margin-top: 16px;
}

.edu-formula-label {
  font-size: 0.71rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.55);
  margin-bottom: 8px;
}

.edu-formula-text {
  font-family: 'Courier New', Courier, monospace;
  font-size: 0.95rem;
  font-weight: 700;
  color: #7dd3fc;
  line-height: 1.6;
  margin-bottom: 12px;
}

.edu-formula-key {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-top: 10px;
}

.edu-formula-key span {
  font-size: 0.77rem;
  color: rgba(255,255,255,0.72);
}

/* --- Mode Cards --- */
.edu-mode-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 16px;
}

.edu-mode-card {
  border-radius: 10px;
  padding: 14px 12px;
  border: 1.5px solid var(--border);
}

.edu-mode-std  { border-color: var(--navy-mid); background: rgba(0,40,104,0.04); }
.edu-mode-con  { border-color: var(--gold);    background: rgba(212,160,23,0.05); }
.edu-mode-biz  { border-color: var(--green);   background: rgba(0,135,90,0.05); }

.edu-mode-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 8px;
}

.edu-mode-list {
  padding: 0;
  margin: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 5px;
}

.edu-mode-list li {
  font-size: 0.75rem;
  color: var(--muted);
  padding-left: 14px;
  position: relative;
  line-height: 1.45;
}

.edu-mode-list li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--navy-soft);
  font-weight: 700;
}

/* --- Results Explainer Rows --- */
.edu-results-explainer {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 16px;
}

.edu-result-row {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #f8f9ff;
  border: 1px solid var(--border);
  border-radius: 9px;
  padding: 12px 14px;
}

.edu-result-badge {
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 0.7rem;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
  align-self: center;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

.edu-rb-navy  { background: var(--navy-soft); color: #fff; }
.edu-rb-blue  { background: var(--navy-mid);  color: #fff; }
.edu-rb-green { background: var(--green);     color: #fff; }

.edu-result-explain {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.65;
}

/* --- Math Section --- */
.edu-math-section {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 36px 28px;
  margin-top: 48px;
  box-shadow: 0 4px 20px rgba(0,40,104,0.07);
}

.edu-math-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.edu-math-card {
  background: #f8f9ff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 18px 16px;
}

.edu-math-icon { font-size: 1.6rem; margin-bottom: 8px; }

.edu-math-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--navy-soft);
  margin: 0 0 10px;
}

.edu-math-formula {
  font-family: 'Courier New', Courier, monospace;
  font-size: 0.8rem;
  background: #0f2444;
  color: #93c5fd;
  border-radius: 7px;
  padding: 10px 12px;
  line-height: 1.7;
  margin-bottom: 10px;
}

.edu-math-note {
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}

/* --- Explainer Compare Cards --- */
.edu-explainer-section { margin-top: 48px; }

.edu-compare-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 28px;
}

.edu-compare-card {
  border-radius: 14px;
  overflow: hidden;
  border: 1.5px solid var(--border);
  box-shadow: 0 3px 14px rgba(0,40,104,0.07);
}

.edu-compare-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 18px;
}

.edu-compare-lease .edu-compare-header { background: var(--navy-soft); }
.edu-compare-buy   .edu-compare-header { background: var(--green); }

.edu-compare-emoji { font-size: 1.4rem; }

.edu-compare-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #fff;
  margin: 0;
}

.edu-compare-body {
  padding: 16px 18px;
  background: #fff;
}

.edu-compare-body p {
  font-size: 0.83rem;
  color: var(--muted);
  line-height: 1.7;
  margin: 0 0 12px;
}

.edu-compare-body p:last-of-type { margin-bottom: 14px; }

.edu-compare-stat-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.edu-compare-stat {
  flex: 1;
  min-width: 80px;
  background: #f8f9ff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 9px 10px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.edu-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--navy-soft);
}

.edu-stat-label {
  font-size: 0.68rem;
  color: var(--muted);
  line-height: 1.3;
}

/* --- Real-World Example Box --- */
.edu-example-box {
  border: 1.5px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 4px 18px rgba(0,40,104,0.08);
}

.edu-example-header {
  background: var(--navy-soft);
  color: #fff;
  padding: 13px 18px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 8px;
}

.edu-example-body { padding: 20px 18px; background: #fff; }

.edu-example-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 18px;
}

.edu-example-col {
  border-radius: 10px;
  overflow: hidden;
  border: 1.5px solid var(--border);
}

.edu-ex-title {
  padding: 9px 13px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.76rem;
  font-weight: 800;
  color: #fff;
}

.edu-ex-lease .edu-ex-title { background: #BF0A30; }
.edu-ex-buy   .edu-ex-title { background: var(--green); }

.edu-ex-row {
  display: flex;
  justify-content: space-between;
  padding: 7px 13px;
  font-size: 0.78rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  gap: 8px;
}

.edu-ex-row:last-child { border-bottom: none; }

.edu-ex-total {
  background: #f8f9ff;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  color: var(--navy-soft);
}

.edu-ex-minus { color: var(--green); font-weight: 700; }

.edu-example-verdict {
  background: linear-gradient(135deg, #1e3a5f, #2d5f8a);
  color: #fff;
  border-radius: 10px;
  padding: 14px 16px;
  font-size: 0.85rem;
  line-height: 1.65;
  text-align: center;
}

/* ============================================================
   MOBILE RESPONSIVE — SECTION 1
   ============================================================ */
@media (max-width: 768px) {
  .edu-section { padding: 40px 0 48px; }

  .edu-step { flex-direction: column; gap: 0; }
  .edu-step-left {
    flex-direction: row;
    width: 100%;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
  }
  .edu-step-line { display: none; }
  .edu-step-right { padding: 0 0 24px; }
  .edu-step-card  { padding: 18px 15px; }

  .edu-mini-grid    { grid-template-columns: 1fr; gap: 7px; }
  .edu-math-grid    { grid-template-columns: 1fr; }
  .edu-mode-grid    { grid-template-columns: 1fr; gap: 8px; }
  .edu-compare-cards { grid-template-columns: 1fr; }
  .edu-example-cols  { grid-template-columns: 1fr; }

  .edu-math-section  { padding: 24px 16px; }
  .edu-compare-body p { font-size: 0.82rem; }
  .edu-formula-text { font-size: 0.8rem; }
}

@media (max-width: 480px) {
  .edu-step-num    { width: 38px; height: 38px; font-size: 0.65rem; }
  .edu-step-title  { font-size: 0.94rem; }
  .edu-step-desc   { font-size: 0.83rem; }
  .edu-compare-stat-row { flex-direction: column; }
  .edu-result-row  { flex-direction: column; gap: 7px; }
  .edu-result-badge { align-self: flex-start; }
  .edu-example-body { padding: 14px 12px; }
  .edu-ex-row      { font-size: 0.74rem; }
}
/* ============================================================
   SECTION 2 — 5 REAL US EXAMPLES
   ============================================================ */

.ex-section {
  background: #f8f9ff;
  padding: 56px 0 64px;
  font-family: 'Inter', sans-serif;
}

.ex-container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 18px;
}

/* --- Section Header --- */
.ex-head {
  text-align: center;
  margin-bottom: 44px;
}

.ex-badge {
  display: inline-block;
  background: rgba(0,40,104,0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 13px;
}

.ex-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.25rem, 3.5vw, 1.72rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 12px;
  line-height: 1.3;
}

.ex-subtitle {
  font-size: 0.88rem;
  color: var(--muted);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.75;
}

/* --- Example Card Shell --- */
.ex-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 28px;
  box-shadow: 0 4px 22px rgba(0,40,104,0.08);
}

/* --- Card Headers --- */
.ex-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 18px 22px;
  flex-wrap: wrap;
}

.ex-header-blue  { background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid)); }
.ex-header-green { background: linear-gradient(135deg, #00875A, #006e32); }
.ex-header-amber { background: linear-gradient(135deg, #9a6c00, #c28700); }
.ex-header-red   { background: linear-gradient(135deg, var(--red), #8b0020); }

.ex-header-left {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 0;
}

.ex-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: rgba(255,255,255,0.30);
  flex-shrink: 0;
  line-height: 1;
}

.ex-vehicle {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(0.82rem, 2vw, 0.97rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 4px;
  line-height: 1.3;
}

.ex-profile {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.4;
}

/* --- Verdict Pill --- */
.ex-verdict-pill {
  padding: 6px 14px;
  border-radius: 999px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  white-space: nowrap;
  flex-shrink: 0;
}

.ex-pill-green { background: rgba(255,255,255,0.18); color: #fff; border: 1.5px solid rgba(255,255,255,0.35); }
.ex-pill-navy  { background: rgba(255,255,255,0.18); color: #fff; border: 1.5px solid rgba(255,255,255,0.35); }
.ex-pill-amber { background: rgba(255,255,255,0.18); color: #fff; border: 1.5px solid rgba(255,255,255,0.35); }

/* --- Card Body --- */
.ex-card-body {
  padding: 22px 20px;
}

.ex-situation {
  margin-bottom: 18px;
}

.ex-situation p {
  font-size: 0.87rem;
  color: var(--muted);
  line-height: 1.75;
  margin: 0;
  background: #f8f9ff;
  border-left: 4px solid var(--navy-soft);
  border-radius: 0 8px 8px 0;
  padding: 11px 14px;
}

/* --- Inputs Grid --- */
.ex-inputs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 18px;
}

.ex-inputs-col {
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}

.ex-inputs-title {
  padding: 8px 12px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.74rem;
  font-weight: 800;
  color: #fff;
}

.ex-title-red   { background: var(--red); }
.ex-title-green { background: var(--green); }

.ex-input-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 12px;
  font-size: 0.78rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  gap: 8px;
}

.ex-input-row:last-child { border-bottom: none; }
.ex-input-row:nth-child(even) { background: #f5f7ff; }

.ex-input-row span:first-child { color: var(--muted); }
.ex-input-row span:last-child  { font-weight: 700; color: var(--navy-soft); white-space: nowrap; }

/* --- Results Grid --- */
.ex-results-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 16px;
}

.ex-res-box {
  background: #f7f9fc;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 12px 10px;
  text-align: center;
}

.ex-res-label {
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.4px;
  margin-bottom: 5px;
  line-height: 1.3;
}

.ex-res-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy-soft);
  margin-bottom: 3px;
}

.ex-val-red   { color: var(--red); }
.ex-val-green { color: var(--green); }

.ex-res-sub {
  font-size: 0.68rem;
  color: var(--muted);
  line-height: 1.4;
}

/* --- Verdict Box --- */
.ex-verdict-box {
  border-radius: 10px;
  padding: 15px 16px;
  margin-bottom: 14px;
}

.ex-vb-green { background: linear-gradient(135deg, #00875A, #006e32); color: #fff; }
.ex-vb-navy  { background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid)); color: #fff; }
.ex-vb-amber { background: linear-gradient(135deg, #9a6c00, #c28700); color: #fff; }
.ex-vb-red   { background: linear-gradient(135deg, #BF0A30, #8b0020); color: #fff; }

.ex-vb-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  margin-bottom: 8px;
}

.ex-verdict-box p {
  font-size: 0.82rem;
  line-height: 1.7;
  margin: 0;
  opacity: 0.92;
}

/* --- Key Lesson --- */
.ex-lesson {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: #fffbeb;
  border: 1px solid #f0d060;
  border-radius: 8px;
  padding: 11px 13px;
  font-size: 0.8rem;
  color: #5d4037;
  line-height: 1.65;
}

.ex-lesson-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

/* --- Bottom CTA --- */
.ex-cta {
  margin-top: 36px;
}

.ex-cta-inner {
  background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid));
  border-radius: 14px;
  padding: 24px 22px;
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.ex-cta-icon { font-size: 2rem; flex-shrink: 0; }

.ex-cta-text {
  flex: 1;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.90);
  line-height: 1.65;
  min-width: 200px;
}

.ex-cta-text strong { color: #fff; }

.ex-cta-btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  text-decoration: none;
  padding: 11px 22px;
  border-radius: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  white-space: nowrap;
  transition: background 0.2s ease;
  flex-shrink: 0;
}

.ex-cta-btn:hover { background: #006e32; }

/* ============================================================
   MOBILE RESPONSIVE — SECTION 2
   ============================================================ */
@media (max-width: 768px) {
  .ex-section { padding: 40px 0 48px; }

  .ex-card-header { padding: 15px 16px; gap: 10px; }
  .ex-num         { font-size: 1.2rem; }
  .ex-vehicle     { font-size: 0.82rem; }
  .ex-profile     { font-size: 0.71rem; }

  .ex-inputs-grid  { grid-template-columns: 1fr; }
  .ex-results-grid { grid-template-columns: 1fr 1fr; }

  .ex-card-body    { padding: 16px 14px; }
  .ex-vb-title     { font-size: 0.82rem; }
  .ex-verdict-box p { font-size: 0.8rem; }

  .ex-cta-inner    { flex-direction: column; align-items: flex-start; gap: 14px; }
  .ex-cta-btn      { width: 100%; text-align: center; }
}

@media (max-width: 480px) {
  .ex-results-grid { grid-template-columns: 1fr; }
  .ex-header-left  { gap: 10px; }
  .ex-verdict-pill { font-size: 0.66rem; padding: 5px 10px; }
  .ex-res-val      { font-size: 0.95rem; }
  .ex-input-row    { font-size: 0.74rem; }
}
/* ============================================================
   SECTION 3 — 5 EXPERT TIPS
   ============================================================ */

.tips-section {
  background: #fff;
  padding: 56px 0 64px;
  font-family: 'Inter', sans-serif;
}

.tips-container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 18px;
}

/* --- Section Header --- */
.tips-head {
  text-align: center;
  margin-bottom: 44px;
}

.tips-badge {
  display: inline-block;
  background: rgba(0,40,104,0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 13px;
}

.tips-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.25rem, 3.5vw, 1.72rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 12px;
  line-height: 1.3;
}

.tips-subtitle {
  font-size: 0.88rem;
  color: var(--muted);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.75;
}

/* --- Tip Card Shell --- */
.tip-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 28px;
  box-shadow: 0 4px 22px rgba(0,40,104,0.07);
}

/* --- Tip Headers --- */
.tip-header {
  padding: 18px 22px;
}

.th-blue  { background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid)); }
.th-green { background: linear-gradient(135deg, #00875A, #006e32); }
.th-amber { background: linear-gradient(135deg, #9a6c00, #c28700); }
.th-red   { background: linear-gradient(135deg, var(--red), #8b0020); }

.tip-header-left {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.tip-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: rgba(255,255,255,0.55);
  padding: 4px 10px;
  background: rgba(255,255,255,0.12);
  border-radius: 999px;
  white-space: nowrap;
  flex-shrink: 0;
  margin-top: 3px;
}

.tip-icon-wrap {
  font-size: 1.7rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.tip-main-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(0.88rem, 2.2vw, 1.02rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 5px;
  line-height: 1.3;
}

.tip-tagline {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.75);
  margin: 0;
  line-height: 1.4;
}

/* --- Tip Body --- */
.tip-body {
  padding: 22px 20px;
}

/* --- Two Column Layout --- */
.tip-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  margin-bottom: 16px;
}

.tip-text-col p {
  font-size: 0.86rem;
  color: var(--muted);
  line-height: 1.78;
  margin: 0 0 13px;
}

.tip-text-col p:last-child { margin-bottom: 0; }

/* --- Callout Boxes --- */
.tip-callout {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 0.82rem;
  line-height: 1.68;
  margin-top: 14px;
}

.tip-co-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }

.tip-callout-blue  { background: #f0f6ff; border-left: 4px solid var(--navy-soft); color: #1a2a4a; }
.tip-callout-green { background: #edfaf4; border-left: 4px solid var(--green); color: #0e4530; }
.tip-callout-amber { background: #fffbeb; border-left: 4px solid var(--gold); color: #5d4037; }
.tip-callout-red   { background: #fff0f0; border-left: 4px solid var(--red); color: #7a0a18; }

/* --- Math Box --- */
.tip-math-col {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.tip-math-box {
  background: #f7f9fc;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}

.tip-math-title {
  background: var(--navy-soft);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.76rem;
  font-weight: 800;
  padding: 9px 13px;
}

.tip-scenario-label {
  font-size: 0.74rem;
  color: var(--muted);
  padding: 7px 13px 2px;
  font-style: italic;
}

.tip-math-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 13px;
  font-size: 0.79rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
  gap: 6px;
}

.tip-math-row:last-child { border-bottom: none; }
.tip-math-row span:first-child { flex: 1; }
.tip-math-row span:last-child  { text-align: right; white-space: nowrap; }

.tip-math-head {
  background: #eef1ff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.71rem;
  font-weight: 800;
  color: var(--navy-soft);
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

.tip-math-total {
  background: #f0f6ff;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
}

.tip-math-saving {
  background: #edfaf4;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
}

.tip-val-green { color: var(--green); font-weight: 800; }
.tip-val-red   { color: var(--red);   font-weight: 800; }

.tip-math-note {
  font-size: 0.76rem;
  color: var(--muted);
  line-height: 1.6;
  padding: 10px 13px;
  margin: 0;
  border-top: 1px solid var(--border);
  background: #fff;
}

/* --- Stat Row --- */
.tip-stat-row {
  display: flex;
  gap: 8px;
}

.tip-stat {
  flex: 1;
  background: #f7f9fc;
  border: 1px solid var(--border);
  border-radius: 9px;
  padding: 10px 8px;
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.tip-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--navy-soft);
}

.tip-stat-label {
  font-size: 0.67rem;
  color: var(--muted);
  line-height: 1.3;
}

/* --- Formula Box --- */
.tip-formula-box {
  background: #0f2444;
  border-radius: 10px;
  padding: 14px 16px;
  margin: 14px 0;
}

.tip-formula-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 7px;
}

.tip-formula-text {
  font-family: 'Courier New', Courier, monospace;
  font-size: 1rem;
  font-weight: 700;
  color: #7dd3fc;
  margin-bottom: 5px;
}

.tip-formula-example {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.8);
}

/* --- Alert Boxes --- */
.tip-alert {
  border-radius: 0 8px 8px 0;
  padding: 11px 13px;
  font-size: 0.79rem;
  line-height: 1.6;
}

.tip-alert-warning { background: #fff8e1; border-left: 4px solid var(--gold); color: #5d4037; }
.tip-alert-danger  { background: #fff0f0; border-left: 4px solid var(--red);  color: #7a0a18; }
.tip-alert-success { background: #edfaf4; border-left: 4px solid var(--green);color: #0e4530; }

/* --- Steps Box --- */
.tip-steps-box {
  background: #f7f9fc;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px;
}

.tip-steps-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.76rem;
  font-weight: 800;
  color: var(--navy-soft);
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}

.tip-step-item {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-bottom: 8px;
  font-size: 0.78rem;
  color: var(--muted);
  line-height: 1.55;
}

.tip-step-item:last-child { margin-bottom: 0; }

.tip-step-dot {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy-soft);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

/* --- Action Box --- */
.tip-action-box {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #f0f6ff;
  border: 1.5px solid rgba(0,40,104,0.15);
  border-radius: 9px;
  padding: 13px 15px;
  font-size: 0.82rem;
  color: #1a2a4a;
  line-height: 1.68;
}

.tip-action-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }

/* --- Bottom Summary Strip --- */
.tips-summary {
  background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid));
  border-radius: 14px;
  padding: 24px 22px;
  margin-top: 36px;
}

.tips-summary-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
  text-align: center;
}

.tips-summary-grid {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.tips-sum-item {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 9px;
  padding: 11px 14px;
}

.tips-sum-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: rgba(255,255,255,0.40);
  flex-shrink: 0;
  width: 28px;
}

.tips-sum-text {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.88);
  line-height: 1.5;
}

/* ============================================================
   MOBILE RESPONSIVE — SECTION 3
   ============================================================ */
@media (max-width: 768px) {
  .tips-section { padding: 40px 0 48px; }

  .tip-header        { padding: 16px; }
  .tip-header-left   { gap: 10px; }
  .tip-icon-wrap     { font-size: 1.4rem; }
  .tip-main-title    { font-size: 0.88rem; }
  .tip-tagline       { font-size: 0.74rem; }

  .tip-two-col       { grid-template-columns: 1fr; gap: 16px; }
  .tip-body          { padding: 18px 15px; }

  .tip-stat-row      { flex-wrap: wrap; }
  .tip-stat          { min-width: calc(50% - 4px); }

  .tip-formula-text  { font-size: 0.88rem; }

  .tips-summary      { padding: 20px 16px; }
  .tips-sum-item     { padding: 10px 12px; }
}

@media (max-width: 480px) {
  .tip-number        { display: none; }
  .tip-main-title    { font-size: 0.84rem; }
  .tip-stat          { min-width: 100%; }
  .tip-math-row      { font-size: 0.74rem; padding: 6px 10px; }
  .tip-action-box    { flex-direction: column; gap: 8px; }
  .tip-callout       { flex-direction: column; gap: 8px; }
}
/* ============================================================
   SECTION 4 — FAQs
   ============================================================ */

.faq-section {
  background: #f8f9ff;
  padding: 56px 0 64px;
  font-family: 'Inter', sans-serif;
}

.faq-container {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 18px;
}

/* --- Header --- */
.faq-head {
  text-align: center;
  margin-bottom: 36px;
}

.faq-badge {
  display: inline-block;
  background: rgba(0,40,104,0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 13px;
}

.faq-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.25rem, 3.5vw, 1.72rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 12px;
  line-height: 1.3;
}

.faq-subtitle {
  font-size: 0.88rem;
  color: var(--muted);
  max-width: 600px;
  margin: 0 auto;
  line-height: 1.75;
}

/* --- Category Tabs --- */
.faq-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 32px;
}

.faq-tab {
  padding: 7px 16px;
  border-radius: 999px;
  border: 1.5px solid var(--border);
  background: #fff;
  color: var(--muted);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
}

.faq-tab:hover {
  border-color: var(--navy-soft);
  color: var(--navy-soft);
}

.faq-tab-active {
  background: var(--navy-soft);
  border-color: var(--navy-soft);
  color: #fff;
}

/* --- FAQ List --- */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(0,40,104,0.05);
  transition: box-shadow 0.2s ease;
}

.faq-item:hover {
  box-shadow: 0 4px 16px rgba(0,40,104,0.09);
}

.faq-item.faq-hidden {
  display: none;
}

/* --- Question Button --- */
.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 17px 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  cursor: pointer;
  text-align: left;
  transition: background 0.2s ease;
}

.faq-q:hover { background: #f8f9ff; }

.faq-q[aria-expanded="true"] {
  background: var(--navy-soft);
}

.faq-q-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.91rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.4;
  flex: 1;
  transition: color 0.2s;
}

.faq-q[aria-expanded="true"] .faq-q-text { color: #fff; }

.faq-q-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: rgba(0,40,104,0.08);
  flex-shrink: 0;
  position: relative;
  transition: all 0.25s ease;
}

.faq-q-icon::before,
.faq-q-icon::after {
  content: '';
  position: absolute;
  background: var(--navy-soft);
  border-radius: 2px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  transition: all 0.25s ease;
}

.faq-q-icon::before { width: 12px; height: 2px; }
.faq-q-icon::after  { width: 2px; height: 12px; }

.faq-q[aria-expanded="true"] .faq-q-icon {
  background: rgba(255,255,255,0.20);
}

.faq-q[aria-expanded="true"] .faq-q-icon::before,
.faq-q[aria-expanded="true"] .faq-q-icon::after {
  background: #fff;
}

.faq-q[aria-expanded="true"] .faq-q-icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
  opacity: 0;
}

/* --- Answer Panel --- */
.faq-a {
  display: none;
  border-top: 1px solid var(--border);
}

.faq-a.faq-open { display: block; }

.faq-a-inner {
  padding: 18px 20px;
}

.faq-a-inner p {
  font-size: 0.86rem;
  color: var(--muted);
  line-height: 1.78;
  margin: 0 0 13px;
}

.faq-a-inner p:last-child { margin-bottom: 0; }

/* --- Highlight Boxes --- */
.faq-highlight-box {
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 0.82rem;
  line-height: 1.68;
  margin-top: 14px;
  margin-bottom: 4px;
}

.faq-hl-blue  { background: #f0f6ff; border-left: 4px solid var(--navy-soft); color: #1a2a4a; }
.faq-hl-green { background: #edfaf4; border-left: 4px solid var(--green);     color: #0e4530; }
.faq-hl-red   { background: #fff0f0; border-left: 4px solid var(--red);       color: #7a0a18; }
.faq-hl-amber { background: #fffbeb; border-left: 4px solid var(--gold);      color: #5d4037; }

/* --- Comparison Mini Tables --- */
.faq-compare-mini {
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  margin: 14px 0;
}

.faq-cmp-row {
  display: flex;
  gap: 6px;
  padding: 8px 13px;
  font-size: 0.79rem;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}

.faq-cmp-row:last-child { border-bottom: none; }
.faq-cmp-row span { flex: 1; }
.faq-cmp-row span:last-child { text-align: right; }

.faq-cmp-head {
  background: var(--navy-soft);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.71rem;
  font-weight: 800;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}

.faq-cmp-head span { color: #fff; }

.faq-cmp-total {
  background: #f0f6ff;
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
}

.faq-green { color: var(--green); font-weight: 700; }
.faq-red   { color: var(--red);   font-weight: 700; }

/* --- Formula Box --- */
.faq-formula {
  background: #0f2444;
  border-radius: 8px;
  padding: 12px 16px;
  margin: 12px 0;
  display: inline-block;
  width: 100%;
}

.faq-formula-text {
  font-family: 'Courier New', Courier, monospace;
  font-size: 0.88rem;
  color: #7dd3fc;
  font-weight: 700;
}

/* --- 3-Option Grid (Lease End Options) --- */
.faq-options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin: 14px 0;
}

.faq-option {
  border-radius: 10px;
  padding: 14px 12px;
  border: 1px solid var(--border);
}

.faq-opt-blue  { background: rgba(0,40,104,0.04);  border-color: rgba(0,40,104,0.15); }
.faq-opt-green { background: rgba(0,135,90,0.04);  border-color: rgba(0,135,90,0.15); }
.faq-opt-amber { background: rgba(212,160,23,0.05);border-color: rgba(212,160,23,0.20); }

.faq-opt-icon { font-size: 1.4rem; margin-bottom: 7px; }

.faq-opt-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 7px;
}

.faq-option p {
  font-size: 0.77rem !important;
  margin: 0 !important;
}

/* --- Credit Tier Grid --- */
.faq-tier-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin: 14px 0;
}

.faq-tier {
  border-radius: 10px;
  padding: 13px 11px;
  border: 1.5px solid var(--border);
}

.faq-tier-green { background: rgba(0,135,90,0.05);  border-color: rgba(0,135,90,0.20); }
.faq-tier-blue  { background: rgba(0,40,104,0.04);  border-color: rgba(0,40,104,0.15); }
.faq-tier-amber { background: rgba(212,160,23,0.05);border-color: rgba(212,160,23,0.20); }
.faq-tier-red   { background: rgba(191,10,48,0.04); border-color: rgba(191,10,48,0.15); }

.faq-tier-score {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 3px;
}

.faq-tier-label {
  font-size: 0.71rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.4px;
  margin-bottom: 8px;
}

.faq-tier p {
  font-size: 0.75rem !important;
  margin: 0 !important;
}

/* --- Bullet Lists --- */
.faq-bullet-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin: 12px 0;
}

.faq-bullet-item {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 10px 13px;
  border-radius: 8px;
  font-size: 0.83rem;
  line-height: 1.6;
}

.faq-bullet-item span:first-child { flex-shrink: 0; font-size: 0.95rem; margin-top: 1px; }

.faq-bi-red   { background: #fff0f0; color: #5a0c18; }
.faq-bi-green { background: #edfaf4; color: #0e4530; }
.faq-bi-amber { background: #fffbeb; color: #5d4037; }

/* --- Who Should Grid --- */
.faq-who-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 14px;
}

.faq-who-card {
  border-radius: 12px;
  overflow: hidden;
  border: 1.5px solid var(--border);
}

.faq-who-header {
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: #fff;
}

.faq-who-lease .faq-who-header { background: var(--navy-soft); }
.faq-who-buy   .faq-who-header { background: var(--green); }

.faq-who-body { padding: 12px 14px; background: #fff; }

.faq-who-item {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 0.79rem;
  color: var(--muted);
  line-height: 1.55;
  padding: 5px 0;
  border-bottom: 1px solid #f0f0f0;
}

.faq-who-item:last-child { border-bottom: none; }
.faq-who-item span:first-child { flex-shrink: 0; }

/* --- Bottom CTA --- */
.faq-cta { margin-top: 40px; }

.faq-cta-inner {
  background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid));
  border-radius: 14px;
  padding: 22px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}

.faq-cta-left {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 220px;
}

.faq-cta-icon { font-size: 1.8rem; flex-shrink: 0; }

.faq-cta-left strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.9rem;
  color: #fff;
  margin-bottom: 4px;
}

.faq-cta-left p {
  font-size: 0.81rem;
  color: rgba(255,255,255,0.75);
  margin: 0;
  line-height: 1.5;
}

.faq-cta-btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  text-decoration: none;
  padding: 11px 22px;
  border-radius: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  white-space: nowrap;
  transition: background 0.2s ease;
  flex-shrink: 0;
}

.faq-cta-btn:hover { background: #006e32; }

/* ============================================================
   MOBILE RESPONSIVE — FAQ SECTION
   ============================================================ */
@media (max-width: 768px) {
  .faq-section    { padding: 40px 0 48px; }

  .faq-tabs       { gap: 6px; }
  .faq-tab        { font-size: 0.72rem; padding: 6px 12px; }

  .faq-q          { padding: 14px 15px; }
  .faq-q-text     { font-size: 0.84rem; }
  .faq-a-inner    { padding: 15px 15px; }

  .faq-options-grid { grid-template-columns: 1fr; }
  .faq-tier-grid    { grid-template-columns: 1fr 1fr; }
  .faq-who-grid     { grid-template-columns: 1fr; }

  .faq-cmp-row      { font-size: 0.75rem; padding: 7px 10px; }

  .faq-cta-inner  { flex-direction: column; align-items: flex-start; }
  .faq-cta-btn    { width: 100%; text-align: center; }
}

@media (max-width: 480px) {
  .faq-q-text       { font-size: 0.80rem; }
  .faq-tier-grid    { grid-template-columns: 1fr; }
  .faq-bullet-item  { font-size: 0.79rem; }
  .faq-tabs         { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; padding-bottom: 4px; }
  .faq-cmp-row      { flex-wrap: wrap; gap: 4px; }
  .faq-cmp-row span { min-width: 30%; }
}
/* ============================================================
   SECTION 5 — RELATED CALCULATORS
   ============================================================ */

.related-section {
  background: #fff;
  padding: 56px 0 64px;
  font-family: 'Inter', sans-serif;
}

.related-container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 18px;
}

/* --- Header --- */
.related-head {
  text-align: center;
  margin-bottom: 36px;
}

.related-badge {
  display: inline-block;
  background: rgba(0,40,104,0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 13px;
}

.related-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.25rem, 3.5vw, 1.72rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 12px;
  line-height: 1.3;
}

.related-subtitle {
  font-size: 0.88rem;
  color: var(--muted);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.75;
}

/* --- Group Labels --- */
.related-group-label {
  display: flex;
  align-items: center;
  gap: 9px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--navy-soft);
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid #eef1ff;
}

.related-gl-icon { font-size: 1rem; }

/* --- Grids --- */
.related-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 4px;
}

.related-grid-primary   { grid-template-columns: repeat(3, 1fr); }
.related-grid-secondary { grid-template-columns: repeat(3, 1fr); }
.related-grid-tertiary  { grid-template-columns: repeat(3, 1fr); }

/* --- Calculator Card --- */
.related-card {
  display: flex;
  align-items: flex-start;
  gap: 13px;
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 16px 14px;
  text-decoration: none;
  color: inherit;
  transition: all 0.22s ease;
  position: relative;
  overflow: hidden;
}

.related-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 4px;
  height: 100%;
  transition: width 0.22s ease;
}

.related-card:hover {
  box-shadow: 0 6px 22px rgba(0,40,104,0.11);
  transform: translateY(-2px);
  border-color: transparent;
}

.related-card:hover::before { width: 5px; }

/* Left border accent colors */
.rc-blue::before  { background: var(--navy-soft); }
.rc-green::before { background: var(--green); }
.rc-amber::before { background: var(--gold); }
.rc-navy::before  { background: var(--navy-mid); }
.rc-red::before   { background: var(--red); }

/* Hover border colors */
.rc-blue:hover  { border-color: rgba(0,40,104,0.20); }
.rc-green:hover { border-color: rgba(0,135,90,0.20); }
.rc-amber:hover { border-color: rgba(212,160,23,0.25); }
.rc-navy:hover  { border-color: rgba(45,95,138,0.20); }
.rc-red:hover   { border-color: rgba(191,10,48,0.20); }

/* --- Icon Wrap --- */
.rc-icon-wrap {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.rc-iw-blue  { background: rgba(0,40,104,0.08); }
.rc-iw-green { background: rgba(0,135,90,0.08); }
.rc-iw-amber { background: rgba(212,160,23,0.10); }
.rc-iw-navy  { background: rgba(45,95,138,0.08); }
.rc-iw-red   { background: rgba(191,10,48,0.07); }

/* --- Card Body --- */
.rc-body { flex: 1; min-width: 0; }

.rc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.83rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 5px;
  line-height: 1.3;
}

.rc-desc {
  font-size: 0.77rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 0 0 8px;
}

/* --- Tags --- */
.rc-tags {
  display: flex;
  gap: 5px;
  flex-wrap: wrap;
}

.rc-tag {
  font-size: 0.66rem;
  font-weight: 700;
  color: var(--navy-soft);
  background: rgba(0,40,104,0.07);
  border-radius: 999px;
  padding: 3px 8px;
  white-space: nowrap;
  letter-spacing: 0.2px;
}

/* --- Arrow --- */
.rc-arrow {
  font-size: 1rem;
  color: var(--muted);
  flex-shrink: 0;
  margin-top: 10px;
  transition: transform 0.2s ease, color 0.2s ease;
}

.related-card:hover .rc-arrow {
  transform: translateX(4px);
  color: var(--navy-soft);
}

/* --- View All Strip --- */
.related-view-all {
  margin-top: 36px;
}

.rva-inner {
  background: linear-gradient(135deg, var(--navy-soft), var(--navy-mid));
  border-radius: 14px;
  padding: 22px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}

.rva-left {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 220px;
}

.rva-icon { font-size: 2rem; flex-shrink: 0; }

.rva-left strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.92rem;
  color: #fff;
  margin-bottom: 4px;
}

.rva-left p {
  font-size: 0.80rem;
  color: rgba(255,255,255,0.72);
  margin: 0;
  line-height: 1.55;
}

.rva-btn {
  display: inline-block;
  background: var(--green);
  color: #fff;
  text-decoration: none;
  padding: 11px 22px;
  border-radius: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  white-space: nowrap;
  transition: background 0.2s ease;
  flex-shrink: 0;
}

.rva-btn:hover { background: #006e32; }

/* ============================================================
   MOBILE RESPONSIVE — RELATED SECTION
   ============================================================ */
@media (max-width: 900px) {
  .related-grid-primary,
  .related-grid-secondary { grid-template-columns: 1fr 1fr; }
  .related-grid-tertiary  { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
  .related-section { padding: 40px 0 48px; }

  .related-grid-primary,
  .related-grid-secondary,
  .related-grid-tertiary  { grid-template-columns: 1fr; }

  .related-card { padding: 13px 12px; gap: 10px; }
  .rc-icon-wrap { width: 34px; height: 34px; font-size: 1rem; }
  .rc-title     { font-size: 0.80rem; }
  .rc-desc      { font-size: 0.74rem; }
  .rc-tag       { font-size: 0.63rem; }
  .rc-arrow     { display: none; }

  .rva-inner    { flex-direction: column; align-items: flex-start; gap: 14px; }
  .rva-btn      { width: 100%; text-align: center; }

  .related-group-label { font-size: 0.72rem; }
}
/* ============================================================
   SECTION 6 — LEGAL DISCLAIMER & TRANSPARENCY
   ============================================================ */

.legal-section {
  background: #f5f5f5;
  padding: 48px 0 56px;
  font-family: 'Inter', sans-serif;
}

.legal-container {
  max-width: 960px;
  margin: 0 auto;
  padding: 0 18px;
}

/* Header */
.legal-head {
  text-align: center;
  margin-bottom: 28px;
}

.legal-badge {
  display: inline-block;
  background: rgba(0,40,104,0.09);
  color: var(--navy-soft);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.3px;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 11px;
}

.legal-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 3vw, 1.55rem);
  font-weight: 800;
  color: var(--text);
  margin: 0 0 10px;
  line-height: 1.3;
}

.legal-subtitle {
  font-size: 0.85rem;
  color: var(--muted);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}

/* Grid */
.legal-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 22px;
}

.legal-card {
  background: #ffffff;
  border-radius: 12px;
  border: 1px solid var(--border);
  padding: 14px 14px 13px;
  box-shadow: 0 2px 10px rgba(0,40,104,0.06);
}

.legal-card-head {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 7px;
}

.legal-icon {
  font-size: 1.2rem;
  flex-shrink: 0;
}

.legal-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.84rem;
  font-weight: 800;
  color: var(--text);
  margin: 0;
}

.legal-card-body p {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.7;
  margin: 0 0 8px;
}

.legal-card-body p:last-child {
  margin-bottom: 0;
}

/* Government Callout */
.legal-gov-callout {
  margin-top: 10px;
  margin-bottom: 16px;
  border-radius: 12px;
  padding: 14px 15px;
  background: #f0f6ff;
  border: 1.5px solid rgba(0,40,104,0.18);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
}

.lg-left {
  display: flex;
  align-items: center;
  gap: 12px;
  flex: 1;
  min-width: 220px;
}

.lg-icon {
  font-size: 1.7rem;
  flex-shrink: 0;
}

.lg-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--navy-soft);
  margin-bottom: 4px;
}

.legal-gov-callout p {
  font-size: 0.8rem;
  color: var(--muted);
  margin: 0;
  line-height: 1.6;
}

.lg-link {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: #ffffff;
  background: var(--navy-soft);
  padding: 9px 16px;
  border-radius: 8px;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s ease;
  flex-shrink: 0;
}

.lg-link:hover {
  background: var(--navy-mid);
}

/* Footer Links */
.legal-footer-links {
  margin-top: 10px;
  font-size: 0.76rem;
  color: var(--muted);
  text-align: center;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px;
}

.legal-footer-links a {
  color: var(--navy-soft);
  text-decoration: none;
  font-weight: 600;
}

.legal-footer-links a:hover {
  text-decoration: underline;
}

.legal-dot {
  opacity: 0.55;
}

/* Responsive */
@media (max-width: 768px) {
  .legal-section { padding: 40px 0 48px; }
  .legal-grid    { grid-template-columns: 1fr; }
  .legal-card    { padding: 12px 12px 11px; }
  .legal-card-body p { font-size: 0.79rem; }

  .legal-gov-callout {
    flex-direction: column;
    align-items: flex-start;
  }

  .lg-link { width: 100%; text-align: center; }
}

@media (max-width: 480px) {
  .legal-title    { font-size: 1.12rem; }
  .legal-subtitle { font-size: 0.8rem; }
}

/* ============================================================
   📱 AUTO CALCULATOR: ULTIMATE MOBILE OVERRIDE
   ============================================================ */
@media (max-width: 900px) {
  /* Use BLOCK to force true vertical stacking and prevent side-scrolling */
  .calc-grid { display: block !important; }
  .calc-grid > div, .input-side, .results-side { width: 100% !important; padding: 0 !important; }
  
  /* Stack All Scenarios & Comparisons */
  .scenario-grid, .comparison-grid { display: flex !important; flex-direction: column !important; gap: 12px !important; }
  
  /* Force Table Scroll */
  .table-wrap, .data-table-wrap, table {
    display: block !important;
    width: 100% !important;
    overflow-x: auto !important;
    white-space: nowrap !important;
    -webkit-overflow-scrolling: touch;
    border: 1px solid var(--border);
    border-radius: 8px;
  }

  /* Compact padding for smaller screens */
  .card { padding: 16px 12px !important; }
}

@media (max-width: 600px) {
  /* Shrink giant values so they don't break the container */
  .result-highlight .value { font-size: 1.25rem !important; }
  .btn-row, .calc-actions { flex-direction: column; }
  .btn { width: 100%; justify-content: center; }
}

/* ============================================================
   🖥️ DESKTOP BALANCE FIX: Prevent "Slim" Inputs
   ============================================================ */
@media (min-width: 901px) {
  /* 1. Set a professional ratio: 450px for inputs, the rest for results */
  .calc-grid {
    display: grid !important;
    grid-template-columns: 450px 1fr !important; 
    gap: 30px !important;
    max-width: 1200px;
    margin: 0 auto;
    align-items: start;
  }

  /* 2. Ensure the input containers use the full 450px */
  .input-side {
    width: 100% !important;
  }

  /* 3. Ensure input fields expand to fill their containers */
  .input-group input, 
  .input-group select {
    width: 100% !important;
    min-height: 44px; /* Better click target on desktop */
  }

  /* 4. Optional: Add a slight shadow to make the input cards pop more on white space */
  .input-side .card {
    box-shadow: 0 4px 12px rgba(0,0,0,0.05) !important;
  }
}

/* Fix for standardizing input row alignment */
.input-row, .form-row-flex {
  display: flex;
  gap: 15px;
  margin-bottom: 15px;
}

.input-group {
  flex: 1; /* Forces both inputs in a row to be equal width */
  min-width: 0; /* CRITICAL: Prevents long numbers from stretching the box */
}
/* ============================================================
   🔧 FIX: VERTICAL ALIGNMENT FOR HEADINGS WITH ICONS
   ============================================================ */
.s-head h2, 
.sec-head h2, 
.faq-head h2 {
    margin-top: 0 !important;
    margin-bottom: 0 !important;
    line-height: 1 !important; /* Tightens the box so it aligns perfectly with the icon */
    align-self: center !important;
}