<style>
:root{--navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;--green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;--charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;--purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);--radius:10px;--radius-lg:16px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── Typography & Contrast Patch ── */
.fl, .stl, .st-head, .res-sub, .ct { color: #1e293b !important; font-weight: 800 !important; }
.fi, .fsel { font-weight: 600 !important; color: #0f172a !important; font-size: 15px !important; }
.ipx, .isx { color: #334155 !important; font-weight: 800 !important; }
.fh, .cs, .st-row span:first-child { color: #64748b !important; font-weight: 500 !important; }

/* ── Master Bullet Fix for WP Themes ── */
#mtWrapper ul, #mtWrapper li { display: block !important; list-style-type: disc !important; list-style-position: outside !important; }
#mtWrapper ul { padding-left: 32px !important; margin-left: 0 !important; flex-direction: unset !important; }
#mtWrapper li { display: list-item !important; padding-left: 0 !important; margin-bottom: 8px !important; }

.hero{background:linear-gradient(135deg,var(--navy2) 0%,var(--navy) 60%,#1e4d7b 100%);padding:52px 20px 44px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.hero-inner{max-width:900px;margin:0 auto;position:relative;z-index:1}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(243,156,18,.15);border:1px solid rgba(243,156,18,.4);color:#fcd34d;font-size:12px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:18px;letter-spacing:.3px}
/* FIX: Forced White H1 for Kadence */
.hero h1{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,4.5vw,42px);color:#ffffff !important;line-height:1.15;margin-bottom:14px}
.hero h1 span{color:#FCD34D}
.hero p{font-size:15px;color:rgba(255,255,255,.83);max-width:730px;margin:0 auto 22px;line-height:1.8}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.92);font-size:12px;font-weight:600;padding:5px 14px;border-radius:20px}
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}.cir{background:rgba(192,57,43,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--charcoal)}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 30px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--navy);text-transform:uppercase;letter-spacing:.8px;margin:24px 0 16px;display:flex;align-items:center;gap:10px}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}
.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-bottom:20px}
.fw{display:flex;flex-direction:column;gap:5px}
.fl{font-size:13px;font-weight:700;color:var(--charcoal)}
.fh{font-size:11.5px;color:var(--gray);line-height:1.45}
.iw{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;background:var(--white);transition:border .2s,box-shadow .2s}
.iw:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,58,92,.09)}
.ipx,.isx{padding:0 12px;font-size:13px;font-weight:600;color:var(--gray);background:var(--bg);align-self:stretch;display:flex;align-items:center;white-space:nowrap}
.ipx{border-right:1px solid var(--border)}.isx{border-left:1px solid var(--border)}
.fi{flex:1;padding:12px 14px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);border:none;outline:none;background:transparent}
.fsel{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);background:var(--white);outline:none;cursor:pointer;transition:border .2s}
.fsel:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,58,92,.09)}
.actions{display:flex;flex-wrap:wrap;gap:12px;padding:20px 28px 28px;border-top:1px solid var(--border);background:var(--bg)}
.btn-main{display:inline-flex;align-items:center;gap:8px;padding:14px 30px;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;border:none;border-radius:9px;cursor:pointer;transition:all .2s}
.btn-main:hover{background:#0f2540;transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,58,92,.28)}
.btn-pdf,.btn-wa,.btn-rst{display:none;align-items:center;gap:8px;padding:12px 22px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;border:none;border-radius:9px;cursor:pointer;transition:all .2s}
.btn-pdf{background:var(--red);color:#fff}.btn-pdf:hover{background:#922b21}
.btn-rst{background:var(--white);color:var(--gray);border:1.5px solid var(--border)}.btn-rst:hover{border-color:var(--navy);color:var(--navy)}
/* Result Box */
.res-box{padding:26px 28px;text-align:center;border-bottom:1px solid var(--border)}
.res-status{font-family:'Montserrat',sans-serif;font-weight:900;font-size:28px;margin-bottom:8px;text-transform:uppercase;letter-spacing:1px}
.res-pass{color:var(--green)}.res-fail{color:var(--red)}.res-warn{color:var(--orange)}
.res-sub{font-size:15px;color:var(--charcoal);max-width:700px;margin:0 auto;line-height:1.6}
/* Logic Steps */
.step-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;padding:0 28px 24px}
.st-card{border:1.5px solid var(--border);border-radius:var(--radius);padding:18px;background:var(--bg);position:relative;overflow:hidden}
.st-card.active{border-color:var(--navy);background:var(--white);box-shadow:0 4px 15px rgba(26,58,92,.08)}
.st-card.passed{border-left:5px solid var(--green)}
.st-card.failed{border-left:5px solid var(--red)}
.st-card.skipped{opacity:0.6;border-left:5px solid var(--gray)}
.st-head{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal);margin-bottom:12px;display:flex;justify-content:space-between}
.st-badge{font-size:11px;padding:3px 8px;border-radius:4px;font-weight:700}
.bdg-pass{background:rgba(0,135,90,.15);color:var(--green2)}
.bdg-fail{background:rgba(192,57,43,.15);color:#922b21}
.bdg-skip{background:rgba(95,107,122,.15);color:var(--gray)}
.st-row{display:flex;justify-content:space-between;font-size:13px;padding:6px 0;border-bottom:1px dashed var(--border)}
.st-row:last-child{border-bottom:none;font-weight:700;margin-top:4px}
/* Alert */
.alert{margin:0 28px 24px;padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;display:flex;gap:12px}
.alert-icon{font-size:20px}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}
/* Responsive */
@media(max-width:640px){.ch,.stp,.actions,.step-grid,.alert{padding-left:16px;padding-right:16px}.res-box{padding:20px 16px}}


/* ── Core Variables (Matches Calculator Exactly) ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:\'Inter\',sans-serif;font-size:16px;color:var(--gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── Typography Patch (Matches Calculator) ── */
.fl,.stl,.ct{color:#1e293b !important;font-weight:800 !important}
.fh,.cs{color:#64748b !important;font-weight:500 !important}

/* ── Layout ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}

/* ── Card (Identical to Calculator) ── */
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}.cir{background:rgba(192,57,43,.1)}
.cio{background:rgba(230,126,34,.1)}.cit{background:rgba(8,145,178,.1)}.cip{background:rgba(108,63,197,.1)}
.ct{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:18px;color:var(--charcoal)}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 30px}
.stl{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:13px;color:var(--navy);text-transform:uppercase;letter-spacing:.8px;margin:24px 0 16px;display:flex;align-items:center;gap:10px}
.stl::after{content:\'\';flex:1;height:1px;background:var(--border)}
.stl:first-child{margin-top:0}

/* ── Alert (Identical to Calculator) ── */
.alert{padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;display:flex;gap:12px;margin-bottom:20px}
.alert:last-child{margin-bottom:0}
.alert-icon{font-size:20px;flex-shrink:0;padding-top:1px}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}
.al-warn{background:rgba(230,126,34,.06);border-left:4px solid var(--orange);color:#7c4a00}
.al-red{background:rgba(192,57,43,.06);border-left:4px solid var(--red);color:#7b1c10}

/* ── Section Intro Text ── */
.sec-intro{font-size:15px;color:var(--gray);line-height:1.8;margin-bottom:20px}
.sec-intro strong{color:var(--charcoal);font-weight:700}

/* ─────────────────────────────────────────────
   HOW-TO STEPS  (numbered visual steps)
───────────────────────────────────────────── */
.steps-list{display:flex;flex-direction:column;gap:0}
.how-step{display:flex;gap:20px;padding:20px 0;border-bottom:1px solid var(--border);position:relative}
.how-step:last-child{border-bottom:none;padding-bottom:0}
.how-step:first-child{padding-top:0}
.step-num-wrap{display:flex;flex-direction:column;align-items:center;flex-shrink:0}
.step-num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-family:\'Montserrat\',sans-serif;font-weight:900;font-size:16px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.step-line{width:2px;flex:1;background:var(--border);margin-top:6px;min-height:16px}
.how-step:last-child .step-line{display:none}
.step-body{flex:1;padding-top:8px}
.step-title{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:15px;color:var(--charcoal);margin-bottom:6px}
.step-desc{font-size:14px;color:var(--gray);line-height:1.75}
.step-desc strong{color:var(--charcoal);font-weight:700}
.step-sub-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px;margin-top:14px}
.step-sub{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:12px 16px}
.step-sub-icon{font-size:18px;margin-bottom:6px}
.step-sub-title{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:12px;color:var(--navy);text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.step-sub-text{font-size:12.5px;color:var(--gray);line-height:1.6}

/* ─────────────────────────────────────────────
   MATH BLOCKS  (formula display)
───────────────────────────────────────────── */
.math-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);margin:16px 0;overflow:hidden}
.math-header{display:flex;align-items:center;gap:10px;padding:12px 18px;border-bottom:1px solid var(--border);background:var(--white)}
.math-label{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:12px;color:var(--navy);text-transform:uppercase;letter-spacing:.6px}
.math-badge{font-size:11px;padding:3px 9px;border-radius:4px;font-weight:700;margin-left:auto}
.mb-n{background:rgba(26,58,92,.1);color:var(--navy)}
.mb-g{background:rgba(0,135,90,.15);color:var(--green2)}
.mb-r{background:rgba(192,57,43,.15);color:#922b21}
.math-body{padding:16px 18px}
.formula-box{background:var(--white);border:1.5px dashed var(--border);border-radius:8px;padding:14px 18px;font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal);text-align:center;margin-bottom:14px;letter-spacing:.2px}
.formula-box span{color:var(--navy)}
.math-desc{font-size:13px;color:var(--gray);line-height:1.7;margin-bottom:10px}
.math-desc:last-child{margin-bottom:0}
.math-desc strong{color:var(--charcoal);font-weight:700}
.threshold-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.thr{flex:1;min-width:160px;padding:10px 14px;border-radius:8px;font-size:13px;line-height:1.5}
.thr-g{background:rgba(0,135,90,.08);border:1px solid rgba(0,135,90,.25)}
.thr-r{background:rgba(192,57,43,.08);border:1px solid rgba(192,57,43,.25)}
.thr-o{background:rgba(230,126,34,.08);border:1px solid rgba(230,126,34,.25)}
.thr strong{display:block;font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.thr-g strong{color:var(--green2)}
.thr-r strong{color:#922b21}
.thr-o strong{color:#7c4a00}
.thr p{font-size:12.5px;color:var(--gray)}

/* ─────────────────────────────────────────────
   TEST FLOW  (flowchart-style logic tree)
───────────────────────────────────────────── */
.flow-wrap{display:flex;flex-direction:column;gap:0;position:relative;padding-left:28px}
.flow-wrap::before{content:\'\';position:absolute;left:11px;top:20px;bottom:20px;width:2px;background:var(--border)}
.flow-node{display:flex;gap:16px;padding:14px 0;position:relative}
.flow-dot{width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;flex-shrink:0;margin-top:2px;position:relative;z-index:1;font-family:\'Montserrat\',sans-serif}
.fd-n{background:var(--navy);color:#fff}
.fd-g{background:var(--green);color:#fff}
.fd-r{background:var(--red);color:#fff}
.fd-o{background:var(--orange);color:#fff}
.flow-content{flex:1;padding-top:0}
.flow-q{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:13.5px;color:var(--charcoal);margin-bottom:4px}
.flow-a{font-size:13px;color:var(--gray);line-height:1.65}
.flow-a strong{color:var(--charcoal);font-weight:700}
.flow-tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;padding:3px 9px;border-radius:4px;margin-top:6px;font-family:\'Montserrat\',sans-serif}
.ft-pass{background:rgba(0,135,90,.12);color:var(--green2)}
.ft-fail{background:rgba(192,57,43,.12);color:#922b21}
.ft-neutral{background:rgba(26,58,92,.1);color:var(--navy)}

/* ─────────────────────────────────────────────
   RESULT OUTCOME TILES
───────────────────────────────────────────── */
.outcome-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin-top:4px}
.outcome-tile{border-radius:var(--radius);padding:20px;position:relative;overflow:hidden}
.ot-pass{background:linear-gradient(135deg,rgba(0,135,90,.08) 0%,rgba(0,135,90,.04) 100%);border:1.5px solid rgba(0,135,90,.25)}
.ot-fail{background:linear-gradient(135deg,rgba(192,57,43,.08) 0%,rgba(192,57,43,.04) 100%);border:1.5px solid rgba(192,57,43,.25)}
.ot-icon{font-size:28px;margin-bottom:10px}
.ot-title{font-family:\'Montserrat\',sans-serif;font-weight:900;font-size:13px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.ot-pass .ot-title{color:var(--green2)}
.ot-fail .ot-title{color:#922b21}
.ot-via{font-size:11px;font-weight:700;padding:3px 10px;border-radius:4px;display:inline-block;margin-bottom:10px;font-family:\'Montserrat\',sans-serif;letter-spacing:.3px}
.ot-pass .ot-via{background:rgba(0,135,90,.15);color:var(--green2)}
.ot-fail .ot-via{background:rgba(192,57,43,.15);color:#922b21}
.ot-desc{font-size:13px;color:var(--gray);line-height:1.7}
.ot-desc strong{color:var(--charcoal);font-weight:700}

/* ─────────────────────────────────────────────
   NEXT STEPS TABLE
───────────────────────────────────────────── */
.next-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.next-col{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:20px}
.next-col-head{display:flex;align-items:center;gap:10px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--border)}
.next-col-icon{font-size:22px}
.next-col-title{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal)}
.next-items{display:flex;flex-direction:column;gap:10px}
.next-item{display:flex;gap:10px;font-size:13.5px;line-height:1.65;color:var(--gray)}
.next-item strong{color:var(--charcoal);font-weight:700}
.ni-check{width:20px;height:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:11px;flex-shrink:0;margin-top:2px}
.nic-g{background:rgba(0,135,90,.15);color:var(--green2)}
.nic-n{background:rgba(26,58,92,.1);color:var(--navy)}

/* ─────────────────────────────────────────────
   KEY TERMS  (glossary pills)
───────────────────────────────────────────── */
.terms-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:14px}
.term-item{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:16px 18px}
.term-word{font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:14px;color:var(--navy);margin-bottom:6px}
.term-def{font-size:13px;color:var(--gray);line-height:1.7}
.term-def strong{color:var(--charcoal);font-weight:700}

/* ─────────────────────────────────────────────
   FAQ
───────────────────────────────────────────── */
.faq-list{display:flex;flex-direction:column;gap:0}
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:last-child{border-bottom:none}
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 0;cursor:pointer;font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal);user-select:none}
.faq-q:hover{color:var(--navy)}
.faq-icon{font-size:18px;color:var(--navy);flex-shrink:0;transition:transform .25s}
.faq-item.open .faq-icon{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s ease}
.faq-item.open .faq-a{max-height:400px;padding-bottom:16px}
.faq-a p{font-size:14px;color:var(--gray);line-height:1.8}
.faq-a p strong{color:var(--charcoal);font-weight:700}
.faq-a p + p{margin-top:8px}

/* ─────────────────────────────────────────────
   DISCLAIMER
───────────────────────────────────────────── */
.disclaimer-box{background:rgba(26,58,92,.04);border:1px solid var(--border);border-radius:var(--radius);padding:18px 22px;display:flex;gap:14px;align-items:flex-start;margin-top:4px}
.dis-icon{font-size:22px;flex-shrink:0}
.dis-text{font-size:12.5px;color:var(--gray);line-height:1.8}
.dis-text strong{color:var(--charcoal);font-weight:700}

/* ── Responsive ── */
@media(max-width:640px){
  .ch,.stp,.alert{padding-left:16px;padding-right:16px}
  .ch{padding-top:18px}
  .stp{padding-top:18px;padding-bottom:20px}
  .wrap{padding:16px 12px 60px}
  .step-sub-grid{grid-template-columns:1fr}
  .outcome-grid{grid-template-columns:1fr}
  .next-grid{grid-template-columns:1fr}
  .terms-grid{grid-template-columns:1fr}
  .threshold-row{flex-direction:column}
  .flow-wrap{padding-left:20px}
  .formula-box{font-size:12px}
  .math-header{flex-wrap:wrap;gap:6px}
  .ct{font-size:16px}
  .faq-q{font-size:13px}
}

:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;
  --sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);
  background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}
.cio{background:rgba(230,126,22,.1)}.cit{background:rgba(8,145,178,.1)}
.cip{background:rgba(108,63,197,.1)}.cir{background:rgba(192,57,43,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 32px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12.5px;
  color:var(--navy);text-transform:uppercase;letter-spacing:.8px;
  margin:28px 0 14px;display:flex;align-items:center;gap:10px}
.stl:first-child{margin-top:0}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ── ALERTS ── */
.alert{padding:14px 18px;border-radius:10px;font-size:13.5px;line-height:1.7;
  display:flex;gap:12px;margin-bottom:18px}
.alert-icon{font-size:18px;flex-shrink:0;line-height:1.5}
.al-info{background:rgba(26,58,92,.05);border-left:4px solid var(--navy)}
.al-good{background:rgba(0,135,90,.05);border-left:4px solid var(--green)}
.al-warn{background:rgba(230,126,22,.08);border-left:4px solid var(--orange)}

/* ══════════════════════════════════════════
   STATS STRIP
   ══════════════════════════════════════════ */
.stats-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:22px}
.stat-box{border:1.5px solid var(--border);border-radius:var(--radius);
  padding:13px 14px;background:var(--white);text-align:center}
.stat-val{font-family:'Montserrat',sans-serif;font-weight:900;font-size:17px;
  color:var(--navy);line-height:1.1}
.stat-lbl{font-size:11px;color:var(--gray);margin-top:4px;line-height:1.4}
.stat-box.green .stat-val{color:var(--green2)}
.stat-box.red .stat-val{color:var(--red)}
.stat-box.orange .stat-val{color:var(--orange)}

/* ══════════════════════════════════════════
   SEARCH + FILTER BAR
   ══════════════════════════════════════════ */
.ctrl-bar{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:16px;align-items:center}
.search-wrap{position:relative;flex:1;min-width:200px}
.search-wrap::before{content:"🔍";position:absolute;left:12px;top:50%;
  transform:translateY(-50%);font-size:14px;pointer-events:none}
#stateSearch{width:100%;padding:10px 12px 10px 36px;border:1.5px solid var(--border);
  border-radius:9px;font-family:'Inter',sans-serif;font-size:14px;
  color:#1e293b;background:var(--white);outline:none;transition:border-color .18s}
#stateSearch:focus{border-color:var(--navy)}
#stateSearch::placeholder{color:#adb5bd}

.region-tabs{display:flex;flex-wrap:wrap;gap:6px}
.rtab{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;
  padding:7px 14px;border-radius:20px;border:1.5px solid var(--border);
  background:var(--white);color:var(--gray);cursor:pointer;
  transition:all .18s;white-space:nowrap}
.rtab:hover{border-color:var(--navy);color:var(--navy)}
.rtab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* ── SIZE SELECTOR ── */
.size-row{display:flex;align-items:center;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.size-label{font-size:13px;font-weight:600;color:#1e293b;white-space:nowrap}
.size-btn{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;
  padding:7px 18px;border-radius:7px;border:1.5px solid var(--border);
  background:var(--white);color:var(--gray);cursor:pointer;
  transition:all .18s;white-space:nowrap;display:flex;align-items:center;gap:5px}
.size-btn:hover{border-color:var(--navy);color:var(--navy)}
.size-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* ══════════════════════════════════════════
   MAIN TABLE
   ══════════════════════════════════════════ */
.table-wrap{overflow-x:auto;border-radius:var(--radius);
  border:1.5px solid var(--border);margin-bottom:14px}
.mi-table{width:100%;border-collapse:collapse;font-size:13.5px}
.mi-table thead th{background:var(--navy);color:#fff;
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:11.5px;
  text-transform:uppercase;letter-spacing:.5px;
  padding:12px 16px;text-align:left;white-space:nowrap;position:sticky;top:0;z-index:10}
.mi-table thead th.num{text-align:right}
.mi-table thead th.active-col{background:#0c3060}
.mi-table tbody tr{border-bottom:1px solid var(--border);transition:background .15s}
.mi-table tbody tr:hover{background:rgba(26,58,92,.035)}
.mi-table tbody tr:last-child{border-bottom:none}
.mi-table td{padding:10px 16px;vertical-align:middle}
.mi-table td.num{text-align:right;font-variant-numeric:tabular-nums;
  font-weight:600;color:#1e293b}
.mi-table td.num.active-col{background:rgba(26,58,92,.04);font-weight:700;color:var(--navy)}
.mi-table td.state-name{font-weight:700;color:#1e293b;white-space:nowrap}
.mi-table td.state-code{font-size:11px;color:var(--gray);padding-left:0}

/* Region color stripe */
.mi-table tbody tr.region-ne td:first-child{border-left:3px solid var(--teal)}
.mi-table tbody tr.region-south td:first-child{border-left:3px solid var(--orange)}
.mi-table tbody tr.region-mw td:first-child{border-left:3px solid var(--green)}
.mi-table tbody tr.region-west td:first-child{border-left:3px solid var(--purple)}
.mi-table tbody tr.region-dc td:first-child{border-left:3px solid var(--red)}

/* Income tier badges inside cells */
.tier{display:inline-block;font-size:9.5px;font-weight:800;
  padding:1px 5px;border-radius:3px;margin-left:4px;vertical-align:middle}
.tier-high{background:rgba(0,135,90,.12);color:var(--green2)}
.tier-low{background:rgba(192,57,43,.1);color:#7a1e14}

/* Per-person add-on note row */
.add-on-row td{background:rgba(26,58,92,.04);font-size:12.5px;
  color:var(--navy);font-weight:700;padding:10px 16px;
  font-family:'Montserrat',sans-serif;letter-spacing:.2px}

/* Row hidden */
.mi-table tbody tr.hidden-row{display:none}

/* no-results */
.no-results{text-align:center;padding:36px 20px;color:var(--gray);font-size:14px;display:none}

/* ══════════════════════════════════════════
   HIGHLIGHTED STATE RESULT
   ══════════════════════════════════════════ */
.state-spotlight{border:2px solid var(--navy);border-radius:var(--radius);
  padding:18px 20px;background:rgba(26,58,92,.04);margin-bottom:18px;display:none}
.spotlight-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;
  color:var(--navy);margin-bottom:12px;display:flex;align-items:center;gap:8px}
.spotlight-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.spotlight-cell{background:var(--white);border:1.5px solid var(--border);
  border-radius:8px;padding:10px 12px;text-align:center}
.spotlight-cell.active{border-color:var(--navy);background:rgba(26,58,92,.06)}
.sp-size{font-size:11px;color:var(--gray);font-weight:600;margin-bottom:4px}
.sp-income{font-family:'Montserrat',sans-serif;font-weight:900;font-size:15px;color:#1e293b}
.sp-monthly{font-size:11px;color:var(--gray);margin-top:2px}

/* ══════════════════════════════════════════
   INSIGHTS GRID
   ══════════════════════════════════════════ */
.insights-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px}
.insight-box{border:1.5px solid var(--border);border-radius:var(--radius);
  padding:14px 15px;background:var(--white)}
.ib-label{font-size:11px;font-weight:700;color:var(--gray);
  text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}
.ib-state{font-family:'Montserrat',sans-serif;font-weight:900;font-size:15px;
  color:#1e293b;margin-bottom:2px}
.ib-val{font-size:13px;font-weight:600;color:var(--navy)}

/* ── REGION KEY ── */
.region-key{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:6px}
.rk-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--gray);font-weight:500}
.rk-dot{width:12px;height:12px;border-radius:2px;flex-shrink:0}

/* ── STAMP BAR ── */
.stamp-bar{background:rgba(26,58,92,.04);border:1.5px solid rgba(26,58,92,.12);
  border-radius:var(--radius);padding:12px 16px;display:flex;flex-wrap:wrap;
  align-items:center;gap:12px;margin-top:22px}
.stamp-item{display:flex;align-items:center;gap:6px;font-size:12px;
  color:var(--gray);font-weight:500}
.stamp-item a{color:var(--navy);font-weight:700;text-decoration:none}
.stamp-item a:hover{text-decoration:underline}
.stamp-sep{width:1px;height:18px;background:var(--border)}

/* ── RESPONSIVE ── */
@media(max-width:768px){
  .stats-strip{grid-template-columns:repeat(2,1fr)}
  .spotlight-grid{grid-template-columns:repeat(2,1fr)}
  .insights-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .mi-table{font-size:12.5px}
  .mi-table td,.mi-table thead th{padding:8px 10px}
  .stats-strip{grid-template-columns:repeat(2,1fr)}
  .ctrl-bar{flex-direction:column;align-items:stretch}
  .search-wrap{min-width:unset}
}
@media(max-width:420px){
  .stats-strip{grid-template-columns:1fr 1fr}
  .spotlight-grid{grid-template-columns:1fr 1fr}
  .insights-grid{grid-template-columns:1fr}
  .size-btn{padding:6px 12px;font-size:11px}
}

/* ── SAME ROOT VARIABLES AS CALCULATOR ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}
/* ── TYPOGRAPHY ── */
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--navy);text-transform:uppercase;letter-spacing:.8px;margin:24px 0 16px;display:flex;align-items:center;gap:10px}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}
/* ── BASE CARD ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}.cir{background:rgba(192,57,43,.1)}
.stp{padding:26px 28px 30px}
/* ── ALERTS ── */
.alert{padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;display:flex;gap:12px;margin-bottom:24px}
.alert-icon{font-size:20px;flex-shrink:0}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}
/* ── BADGES ── */
.bdg{font-size:11px;padding:3px 8px;border-radius:4px;font-weight:700;display:inline-block}
.bdg-pass{background:rgba(0,135,90,.15);color:var(--green2)}
.bdg-fail{background:rgba(192,57,43,.15);color:#922b21}
.bdg-skip{background:rgba(95,107,122,.15);color:var(--gray)}
/* ── EXAMPLES GRID ── */
.ex-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:22px}
/* ── EXAMPLE CARD ── */
.ex-card{border:1.5px solid var(--border);border-radius:var(--radius);background:var(--white);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,border-color .2s}
.ex-card:hover{box-shadow:0 6px 24px rgba(26,58,92,.12);border-color:rgba(26,58,92,.25)}
.ex-profile{display:flex;align-items:center;gap:14px;padding:16px 18px;background:var(--bg);border-bottom:1.5px solid var(--border)}
.ex-avatar{width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0;border:2px solid var(--border)}
.ex-name{font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;color:#1e293b;line-height:1.2}
.ex-meta{font-size:12px;color:var(--gray);margin-top:2px;display:flex;flex-wrap:wrap;gap:8px}
.ex-tag{display:inline-flex;align-items:center;gap:4px;font-size:11px;font-weight:600;color:var(--gray)}
.ex-case-num{margin-left:auto;font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;color:var(--navy);background:rgba(26,58,92,.08);border:1px solid rgba(26,58,92,.15);padding:3px 9px;border-radius:20px;white-space:nowrap;align-self:flex-start}
.ex-data{padding:14px 18px}
.ex-data-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;color:var(--navy);text-transform:uppercase;letter-spacing:.6px;margin-bottom:10px}
.ex-row{display:flex;justify-content:space-between;align-items:center;font-size:13px;padding:5px 0;border-bottom:1px dashed var(--border)}
.ex-row:last-child{border-bottom:none}
.ex-lbl{color:var(--gray)}
.ex-val{font-weight:700;color:#1e293b}
.val-green{color:var(--green)}
.val-red{color:var(--red)}
.val-orange{color:var(--orange)}
.ex-steps{display:flex;gap:8px;padding:12px 18px;border-top:1.5px solid var(--border);background:var(--bg)}
.ex-step{flex:1;text-align:center;padding:9px 6px;border-radius:8px;border:1.5px solid var(--border);background:var(--white)}
.ex-step.pass{border-color:var(--green);background:rgba(0,135,90,.05)}
.ex-step.fail{border-color:var(--red);background:rgba(192,57,43,.05)}
.ex-step.skip{opacity:.55}
.ex-step-lbl{font-size:9.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px}
.lbl-pass{color:var(--green2)}
.lbl-fail{color:#922b21}
.ex-verdict{display:flex;align-items:center;justify-content:space-between;padding:13px 18px;border-top:1.5px solid var(--border);gap:10px;flex-wrap:wrap}
.ex-result{font-family:'Montserrat',sans-serif;font-weight:900;font-size:12px;letter-spacing:.3px;display:flex;align-items:center;gap:6px}
.ex-result.pass{color:var(--green)}
.ex-result.fail{color:var(--red)}
.ex-try{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);background:var(--white);border:1.5px solid var(--navy);padding:6px 14px;border-radius:7px;cursor:pointer;transition:all .18s;white-space:nowrap;display:inline-flex;align-items:center;gap:5px}
.ex-try:hover{background:var(--navy);color:var(--white)}
.ex-lesson{padding:12px 18px;background:rgba(26,58,92,.04);border-top:1px solid var(--border);font-size:12.5px;color:var(--charcoal);line-height:1.6}
.ex-lesson strong{color:var(--navy);font-weight:700}
/* ── SUMMARY TABLE ── */
.sum-table{width:100%;border-collapse:collapse;font-size:13px}
.sum-table th{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:12px;padding:10px 14px;text-align:left}
.sum-table td{padding:10px 14px;border-bottom:1px solid var(--border);color:var(--gray)}
.sum-table tr:last-child td{border-bottom:none}
.sum-table tr:nth-child(even) td{background:var(--bg)}
.sum-table td:first-child{font-weight:600;color:#1e293b}
/* ── RESPONSIVE ── */
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .alert{padding-left:14px;padding-right:14px}
  .ex-grid{grid-template-columns:1fr}
  .ex-profile,.ex-data,.ex-steps,.ex-verdict,.ex-lesson{padding-left:14px;padding-right:14px}
  .ex-step-lbl{font-size:9px}
  .ex-case-num{display:none}
  .ex-meta{gap:5px}
  .sum-table{font-size:11.5px}
  .sum-table th,.sum-table td{padding:8px 10px}
}

/* ── SAME ROOT VARIABLES AS CALCULATOR ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);
  background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── BASE CARD (exact match) ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}
.cir{background:rgba(192,57,43,.1)}.cio{background:rgba(230,126,22,.1)}
.cip{background:rgba(108,63,197,.1)}.cit{background:rgba(8,145,178,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 30px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;
  color:var(--navy);text-transform:uppercase;letter-spacing:.8px;
  margin:28px 0 18px;display:flex;align-items:center;gap:10px}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}
.stl:first-child{margin-top:0}

/* ── ALERTS (exact match) ── */
.alert{padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;
  display:flex;gap:12px;margin-bottom:24px}
.alert-icon{font-size:20px;flex-shrink:0;line-height:1.4}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}
.al-warn{background:rgba(230,126,22,.08);border-left:4px solid var(--orange);color:#7a3a0e}
.al-teal{background:rgba(8,145,178,.07);border-left:4px solid var(--teal);color:#064e63}
.al-fail{background:rgba(192,57,43,.07);border-left:4px solid var(--red);color:#7a1a10}
.al-purple{background:rgba(108,63,197,.07);border-left:4px solid var(--purple);color:#3b1f6e}

/* ── BADGE (exact match) ── */
.bdg{font-size:11px;padding:3px 9px;border-radius:4px;font-weight:700;display:inline-block}
.bdg-pass{background:rgba(0,135,90,.15);color:var(--green2)}
.bdg-fail{background:rgba(192,57,43,.15);color:#922b21}
.bdg-warn{background:rgba(230,126,22,.15);color:#7a3a0e}
.bdg-info{background:rgba(26,58,92,.12);color:var(--navy)}
.bdg-teal{background:rgba(8,145,178,.12);color:#064e63}
.bdg-purple{background:rgba(108,63,197,.12);color:#3b1f6e}

/* ══════════════════════════════════════
   PRO TIP CARDS — New Component
   ══════════════════════════════════════ */
.tip-list{display:flex;flex-direction:column;gap:24px}

.tip-card{border:1.5px solid var(--border);border-radius:var(--radius);
  background:var(--white);overflow:hidden;
  transition:box-shadow .2s,border-color .2s}
.tip-card:hover{box-shadow:0 6px 28px rgba(26,58,92,.11);border-color:rgba(26,58,92,.22)}

/* ── Tip Header ── */
.tip-header{display:flex;align-items:flex-start;gap:14px;padding:18px 20px 16px;
  border-bottom:1.5px solid var(--border)}
.tip-badge-wrap{display:flex;flex-direction:column;align-items:center;gap:6px;flex-shrink:0}
.tip-num{font-family:'Montserrat',sans-serif;font-weight:900;font-size:10px;
  color:var(--white);background:var(--navy);
  padding:3px 9px;border-radius:20px;letter-spacing:.5px;white-space:nowrap}
.tip-icon-circle{width:46px;height:46px;border-radius:12px;display:flex;
  align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.tip-title-wrap{flex:1}
.tip-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:16px;
  color:#1e293b;line-height:1.3;margin-bottom:4px}
.tip-subtitle{font-size:12.5px;color:var(--gray)}
.tip-impact{margin-left:auto;flex-shrink:0}

/* ── Tip Body ── */
.tip-body{padding:18px 20px 0;font-size:14px;color:var(--charcoal);line-height:1.75}
.tip-body p{margin-bottom:12px}
.tip-body p:last-child{margin-bottom:0}
.tip-body strong{color:var(--navy);font-weight:700}
.tip-body ul{padding-left:18px;margin-bottom:12px}
.tip-body ul li{margin-bottom:6px;font-size:13.5px;color:var(--charcoal)}
.tip-body ul li::marker{color:var(--navy)}

/* ── Example / Action blocks ── */
.tip-example{margin:16px 20px 0;padding:14px 16px;
  background:rgba(8,145,178,.06);border-left:3px solid var(--teal);
  border-radius:0 8px 8px 0;font-size:13px;line-height:1.65;color:#064e63}
.tip-example-lbl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:10.5px;
  text-transform:uppercase;letter-spacing:.6px;color:var(--teal);
  margin-bottom:6px;display:flex;align-items:center;gap:6px}

.tip-action{margin:14px 20px 0;padding:14px 16px;
  background:rgba(0,135,90,.06);border-left:3px solid var(--green);
  border-radius:0 8px 8px 0;font-size:13px;line-height:1.65;color:var(--green2)}
.tip-action-lbl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:10.5px;
  text-transform:uppercase;letter-spacing:.6px;color:var(--green);
  margin-bottom:6px;display:flex;align-items:center;gap:6px}

.tip-warning{margin:14px 20px 0;padding:14px 16px;
  background:rgba(230,126,22,.07);border-left:3px solid var(--orange);
  border-radius:0 8px 8px 0;font-size:13px;line-height:1.65;color:#7a3a0e}
.tip-warning-lbl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:10.5px;
  text-transform:uppercase;letter-spacing:.6px;color:var(--orange);
  margin-bottom:6px;display:flex;align-items:center;gap:6px}

/* ── Tip Footer ── */
.tip-footer{display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:8px;padding:14px 20px;border-top:1.5px solid var(--border);
  margin-top:16px;background:var(--bg)}
.tip-tags{display:flex;flex-wrap:wrap;gap:6px}
.tip-save{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;
  color:var(--navy);background:var(--white);border:1.5px solid var(--navy);
  padding:6px 14px;border-radius:7px;cursor:pointer;transition:all .18s;
  display:inline-flex;align-items:center;gap:5px}
.tip-save:hover{background:var(--navy);color:var(--white)}

/* ── Impact meter ── */
.impact-meter{display:flex;flex-direction:column;align-items:flex-end;gap:4px;flex-shrink:0}
.impact-label{font-size:10px;font-weight:700;font-family:'Montserrat',sans-serif;
  text-transform:uppercase;letter-spacing:.4px;color:var(--gray)}
.impact-dots{display:flex;gap:4px}
.impact-dot{width:10px;height:10px;border-radius:50%;background:var(--border)}
.impact-dot.on-high{background:var(--green)}
.impact-dot.on-med{background:var(--orange)}
.impact-dot.on-low{background:var(--teal)}

/* ── Summary checklist ── */
.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.check-item{display:flex;align-items:flex-start;gap:10px;padding:12px 14px;
  background:var(--bg);border:1px solid var(--border);border-radius:8px;
  font-size:13px;color:var(--charcoal);line-height:1.5}
.check-icon{font-size:16px;flex-shrink:0;margin-top:1px}
.check-item strong{font-weight:700;color:#1e293b;display:block;font-size:12.5px;
  font-family:'Montserrat',sans-serif;margin-bottom:2px}

/* ── RESPONSIVE ── */
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .tip-header{padding:14px 14px 14px;flex-wrap:wrap}
  .tip-body{padding:14px 14px 0}
  .tip-example,.tip-action,.tip-warning{margin-left:14px;margin-right:14px}
  .tip-footer{padding:12px 14px}
  .check-grid{grid-template-columns:1fr}
  .tip-impact{display:none}
  .alert{padding:14px}
}
@media(max-width:380px){
  .tip-badge-wrap{flex-direction:row;align-items:center}
  .tip-title{font-size:15px}
}

/* ── SAME ROOT VARIABLES AS CALCULATOR ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);
  background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── BASE STRUCTURES (match calculator exactly) ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}
.cio{background:rgba(230,126,22,.1)}.cit{background:rgba(8,145,178,.1)}
.cip{background:rgba(108,63,197,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 30px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12.5px;
  color:var(--navy);text-transform:uppercase;letter-spacing:.8px;
  margin:26px 0 14px;display:flex;align-items:center;gap:10px}
.stl:first-child{margin-top:0}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ── ALERTS ── */
.alert{padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;
  display:flex;gap:12px;margin-bottom:24px}
.alert-icon{font-size:20px;flex-shrink:0;line-height:1.4}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}

/* ── BADGES ── */
.bdg{font-size:11px;padding:3px 9px;border-radius:4px;font-weight:700;display:inline-block}
.bdg-pass{background:rgba(0,135,90,.15);color:var(--green2)}
.bdg-info{background:rgba(26,58,92,.12);color:var(--navy)}
.bdg-teal{background:rgba(8,145,178,.12);color:#064e63}
.bdg-purple{background:rgba(108,63,197,.12);color:#3b1f6e}
.bdg-orange{background:rgba(230,126,22,.15);color:#7a3a0e}

/* ══════════════════════════════════════
   SEARCH BAR
   ══════════════════════════════════════ */
.faq-search-wrap{position:relative;margin-bottom:22px}
.faq-search{width:100%;padding:11px 44px 11px 16px;border:1.5px solid var(--border);
  border-radius:var(--radius);font-family:'Inter',sans-serif;font-size:14px;
  color:var(--charcoal);background:var(--bg);outline:none;
  transition:border .2s,box-shadow .2s}
.faq-search:focus{border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(26,58,92,.1);background:var(--white)}
.faq-search::placeholder{color:#9ca3af}
.faq-search-icon{position:absolute;right:14px;top:50%;transform:translateY(-50%);
  font-size:16px;pointer-events:none;color:var(--gray)}
.faq-search-count{font-size:12px;color:var(--gray);margin-top:8px;text-align:right;
  font-weight:500;min-height:18px}

/* ── CATEGORY TABS ── */
.cat-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.cat-tab{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;
  padding:6px 14px;border-radius:20px;border:1.5px solid var(--border);
  background:var(--white);color:var(--gray);cursor:pointer;
  transition:all .18s;white-space:nowrap}
.cat-tab:hover{border-color:var(--navy);color:var(--navy)}
.cat-tab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}

/* ══════════════════════════════════════
   FAQ ACCORDION
   ══════════════════════════════════════ */
.faq-group{margin-bottom:8px}
.faq-group-hidden{display:none}

.faq-category-label{font-family:'Montserrat',sans-serif;font-weight:800;
  font-size:11px;color:var(--navy);text-transform:uppercase;letter-spacing:.7px;
  padding:6px 0 10px;display:flex;align-items:center;gap:8px}
.faq-category-label span{background:var(--navy);color:#fff;padding:2px 8px;
  border-radius:10px;font-size:10px}

.faq-item{border:1.5px solid var(--border);border-radius:var(--radius);
  margin-bottom:8px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.faq-item.open{border-color:rgba(26,58,92,.3);box-shadow:0 3px 12px rgba(26,58,92,.08)}
.faq-item.hidden-faq{display:none}

/* Question button */
.faq-q{display:flex;align-items:center;gap:12px;width:100%;
  padding:15px 18px;background:var(--white);border:none;
  text-align:left;cursor:pointer;transition:background .15s}
.faq-q:hover{background:var(--bg)}
.faq-item.open .faq-q{background:rgba(26,58,92,.04)}
.faq-q-icon{width:26px;height:26px;border-radius:50%;border:1.5px solid var(--border);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
  transition:all .2s;background:var(--white)}
.faq-item.open .faq-q-icon{background:var(--navy);border-color:var(--navy)}
.faq-q-icon svg{width:12px;height:12px;stroke:var(--gray);transition:transform .25s,stroke .2s}
.faq-item.open .faq-q-icon svg{stroke:#fff;transform:rotate(45deg)}
.faq-q-text{flex:1;font-size:14px;font-weight:600;color:#1e293b;line-height:1.4}
.faq-item.open .faq-q-text{color:var(--navy)}
.faq-q-badge{flex-shrink:0}

/* Answer panel */
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.4,0,.2,1)}
.faq-item.open .faq-a{max-height:1200px}
.faq-a-inner{padding:0 18px 18px 56px;font-size:13.5px;color:var(--charcoal);
  line-height:1.75}
.faq-a-inner p{margin-bottom:10px}
.faq-a-inner p:last-child{margin-bottom:0}
.faq-a-inner strong{color:var(--navy);font-weight:700}
.faq-a-inner ul{padding-left:18px;margin:8px 0}
.faq-a-inner ul li{margin-bottom:6px;font-size:13px}
.faq-a-inner ul li::marker{color:var(--navy)}
.faq-a-inner .faq-note{background:rgba(26,58,92,.05);border-left:3px solid var(--navy);
  border-radius:0 6px 6px 0;padding:10px 14px;font-size:12.5px;
  color:var(--charcoal);margin-top:10px;line-height:1.6}
.faq-a-inner .faq-note-good{background:rgba(0,135,90,.06);border-left:3px solid var(--green);
  border-radius:0 6px 6px 0;padding:10px 14px;font-size:12.5px;
  color:var(--green2);margin-top:10px;line-height:1.6}
.faq-a-inner .faq-note-warn{background:rgba(230,126,22,.07);border-left:3px solid var(--orange);
  border-radius:0 6px 6px 0;padding:10px 14px;font-size:12.5px;
  color:#7a3a0e;margin-top:10px;line-height:1.6}
.faq-a-inner .faq-table{width:100%;border-collapse:collapse;font-size:12.5px;
  margin-top:10px;border-radius:6px;overflow:hidden;border:1px solid var(--border)}
.faq-a-inner .faq-table th{background:var(--navy);color:#fff;padding:8px 12px;
  font-family:'Montserrat',sans-serif;font-weight:700;font-size:11px;text-align:left}
.faq-a-inner .faq-table td{padding:8px 12px;border-bottom:1px solid var(--border);
  color:var(--gray);vertical-align:top}
.faq-a-inner .faq-table tr:last-child td{border-bottom:none}
.faq-a-inner .faq-table tr:nth-child(even) td{background:var(--bg)}

/* ── NO RESULTS ── */
.faq-no-results{text-align:center;padding:36px 20px;display:none}
.faq-no-results-icon{font-size:36px;margin-bottom:10px}
.faq-no-results-text{font-family:'Montserrat',sans-serif;font-weight:700;
  font-size:15px;color:#1e293b;margin-bottom:6px}
.faq-no-results-sub{font-size:13px;color:var(--gray)}

/* ── EXPAND/COLLAPSE ALL ── */
.faq-controls{display:flex;justify-content:flex-end;gap:10px;margin-bottom:16px}
.faq-ctrl-btn{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;
  color:var(--navy);background:none;border:1.5px solid var(--border);
  padding:5px 12px;border-radius:6px;cursor:pointer;transition:all .18s}
.faq-ctrl-btn:hover{border-color:var(--navy);background:rgba(26,58,92,.05)}

/* ── RESPONSIVE ── */
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .faq-a-inner{padding-left:18px}
  .faq-q{padding:13px 14px}
  .faq-q-text{font-size:13.5px}
  .cat-tab{font-size:11px;padding:5px 11px}
  .faq-controls{justify-content:flex-start}
}


/* ── SAME ROOT VARIABLES AS CALCULATOR ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);
  background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── BASE (exact match) ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}
.cio{background:rgba(230,126,22,.1)}.cit{background:rgba(8,145,178,.1)}
.cip{background:rgba(108,63,197,.1)}.cir{background:rgba(192,57,43,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 30px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12.5px;
  color:var(--navy);text-transform:uppercase;letter-spacing:.8px;
  margin:28px 0 16px;display:flex;align-items:center;gap:10px}
.stl:first-child{margin-top:0}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ── ALERTS ── */
.alert{padding:16px 20px;border-radius:10px;font-size:14px;line-height:1.7;
  display:flex;gap:12px;margin-bottom:24px}
.alert-icon{font-size:20px;flex-shrink:0;line-height:1.4}
.al-info{background:rgba(26,58,92,.06);border-left:4px solid var(--navy);color:var(--charcoal)}
.al-good{background:rgba(0,135,90,.06);border-left:4px solid var(--green);color:var(--green2)}

/* ── BADGES ── */
.bdg{font-size:11px;padding:3px 9px;border-radius:4px;font-weight:700;display:inline-block;white-space:nowrap}
.bdg-debt{background:rgba(192,57,43,.12);color:#922b21}
.bdg-income{background:rgba(0,135,90,.12);color:var(--green2)}
.bdg-legal{background:rgba(108,63,197,.12);color:#3b1f6e}
.bdg-budget{background:rgba(8,145,178,.12);color:#064e63}
.bdg-business{background:rgba(230,126,22,.12);color:#7a3a0e}
.bdg-hot{background:rgba(192,57,43,.15);color:#922b21}
.bdg-new{background:rgba(0,135,90,.15);color:var(--green2)}

/* ══════════════════════════════════════════
   CATEGORY FILTER TABS
   ══════════════════════════════════════════ */
.cat-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.cat-tab{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;
  padding:7px 16px;border-radius:20px;border:1.5px solid var(--border);
  background:var(--white);color:var(--gray);cursor:pointer;
  transition:all .18s;white-space:nowrap;display:flex;align-items:center;gap:6px}
.cat-tab:hover{border-color:var(--navy);color:var(--navy)}
.cat-tab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}
.cat-tab .tab-count{font-size:10px;opacity:.7}

/* ══════════════════════════════════════════
   FEATURED CARDS (Top 4 — large format)
   ══════════════════════════════════════════ */
.featured-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin-bottom:8px}

.feat-card{border:1.5px solid var(--border);border-radius:var(--radius);
  background:var(--white);overflow:hidden;display:flex;flex-direction:column;
  transition:box-shadow .2s,border-color .2s,transform .2s;position:relative}
.feat-card:hover{box-shadow:0 8px 28px rgba(26,58,92,.13);
  border-color:rgba(26,58,92,.28);transform:translateY(-2px)}

.feat-top{padding:20px 18px 14px;flex:1}
.feat-icon-row{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:12px}
.feat-icon{width:48px;height:48px;border-radius:12px;display:flex;
  align-items:center;justify-content:center;font-size:24px;flex-shrink:0}
.feat-badges{display:flex;flex-direction:column;align-items:flex-end;gap:4px}
.feat-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14.5px;
  color:#1e293b;line-height:1.3;margin-bottom:7px}
.feat-desc{font-size:13px;color:var(--gray);line-height:1.6}

.feat-footer{padding:12px 18px;border-top:1.5px solid var(--border);
  display:flex;align-items:center;justify-content:space-between;
  background:var(--bg);gap:8px}
.feat-category{font-size:11px;color:var(--gray);font-weight:600}
.feat-btn{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;
  color:var(--white);background:var(--navy);border:none;
  padding:7px 16px;border-radius:7px;cursor:pointer;
  transition:background .18s;text-decoration:none;display:inline-flex;
  align-items:center;gap:5px;white-space:nowrap}
.feat-btn:hover{background:var(--navy2)}

/* ══════════════════════════════════════════
   COMPACT GRID CARDS
   ══════════════════════════════════════════ */
.rc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:12px}

.rc-card{border:1.5px solid var(--border);border-radius:var(--radius);
  background:var(--white);padding:14px 16px;display:flex;align-items:flex-start;
  gap:12px;transition:box-shadow .2s,border-color .2s;
  text-decoration:none;cursor:pointer}
.rc-card:hover{box-shadow:0 4px 16px rgba(26,58,92,.1);
  border-color:rgba(26,58,92,.25)}
.rc-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;
  justify-content:center;font-size:19px;flex-shrink:0}
.rc-body{flex:1;min-width:0}
.rc-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;
  color:#1e293b;line-height:1.3;margin-bottom:4px}
.rc-desc{font-size:12px;color:var(--gray);line-height:1.5;margin-bottom:6px}
.rc-footer{display:flex;align-items:center;justify-content:space-between;gap:6px}
.rc-arrow{font-size:12px;font-weight:700;color:var(--navy);
  font-family:'Montserrat',sans-serif;white-space:nowrap;
  opacity:0;transition:opacity .2s}
.rc-card:hover .rc-arrow{opacity:1}

/* hidden by category filter */
.rc-card.hidden-card{display:none}
.feat-card.hidden-card{display:none}

/* ── View All CTA ── */
.view-all-wrap{text-align:center;padding:24px 0 8px}
.view-all-btn{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;
  color:var(--navy);background:var(--white);border:2px solid var(--navy);
  padding:10px 28px;border-radius:9px;cursor:pointer;
  transition:all .18s;text-decoration:none;display:inline-flex;
  align-items:center;gap:8px}
.view-all-btn:hover{background:var(--navy);color:var(--white)}

/* ── RESPONSIVE ── */
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .featured-grid{grid-template-columns:1fr}
  .rc-grid{grid-template-columns:1fr}
  .cat-tab{font-size:11px;padding:6px 12px}
  .feat-card:hover{transform:none}
}
@media(max-width:380px){
  .feat-title{font-size:14px}
  .rc-title{font-size:12.5px}
}

/* ── SAME ROOT VARIABLES AS CALCULATOR ── */
:root{
  --navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;
  --green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;
  --charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;
  --purple:#6c3fc5;--gold:#f39c12;
  --sh:0 2px 10px rgba(15,37,64,.1);
  --radius:10px;--radius-lg:16px
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);
  background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── BASE ── */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;
  justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}
.cio{background:rgba(230,126,22,.1)}.cit{background:rgba(8,145,178,.1)}
.cip{background:rgba(108,63,197,.1)}.cir{background:rgba(192,57,43,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:26px 28px 32px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12.5px;
  color:var(--navy);text-transform:uppercase;letter-spacing:.8px;
  margin:28px 0 14px;display:flex;align-items:center;gap:10px}
.stl:first-child{margin-top:0}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ══════════════════════════════════════════
   BIG DISCLAIMER BANNER
   ══════════════════════════════════════════ */
.disc-banner{
  background:linear-gradient(135deg,#7a1e14 0%,#a52714 50%,#c0392b 100%);
  border-radius:var(--radius-lg);padding:28px 26px;margin-bottom:26px;
  display:flex;gap:18px;align-items:flex-start;
  border:2px solid rgba(255,255,255,.15);
  box-shadow:0 6px 24px rgba(192,57,43,.28)}
.disc-bang{font-size:36px;flex-shrink:0;line-height:1;margin-top:2px}
.disc-banner-text h2{font-family:'Montserrat',sans-serif;font-weight:900;
  font-size:17px;color:#fff;text-transform:uppercase;letter-spacing:.6px;
  margin-bottom:8px;line-height:1.3}
.disc-banner-text p{font-size:13.5px;color:rgba(255,255,255,.9);
  line-height:1.7;max-width:800px}
.disc-banner-text strong{color:#fff;font-weight:700}

/* ══════════════════════════════════════════
   DISCLAIMER BLOCKS
   ══════════════════════════════════════════ */
.disc-block{border:1.5px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;margin-bottom:12px;background:var(--bg)}
.disc-block-title{font-family:'Montserrat',sans-serif;font-weight:800;
  font-size:13px;color:#1e293b;margin-bottom:8px;
  display:flex;align-items:center;gap:8px}
.disc-block-body{font-size:13px;color:var(--gray);line-height:1.75}
.disc-block-body ul{margin:8px 0 0 0;padding-left:16px}
.disc-block-body li{margin-bottom:5px}
.disc-block-body a{color:var(--navy);font-weight:600;text-decoration:none}
.disc-block-body a:hover{text-decoration:underline}

/* Color variants */
.disc-block.red{border-color:rgba(192,57,43,.25);background:rgba(192,57,43,.04)}
.disc-block.red .disc-block-title{color:#7a1e14}
.disc-block.orange{border-color:rgba(230,126,22,.25);background:rgba(230,126,22,.04)}
.disc-block.orange .disc-block-title{color:#7a3a0e}
.disc-block.navy{border-color:rgba(26,58,92,.2);background:rgba(26,58,92,.03)}
.disc-block.navy .disc-block-title{color:var(--navy)}
.disc-block.green{border-color:rgba(0,135,90,.2);background:rgba(0,135,90,.03)}
.disc-block.green .disc-block-title{color:var(--green2)}

/* ══════════════════════════════════════════
   EDITORIAL TRANSPARENCY — HOW IT WORKS
   ══════════════════════════════════════════ */
.etrans-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  gap:12px;margin-bottom:20px}
.etrans-item{border:1.5px solid var(--border);border-radius:var(--radius);
  padding:16px 16px;background:var(--white);display:flex;gap:12px}
.etrans-icon{width:38px;height:38px;border-radius:9px;display:flex;
  align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.etrans-body{flex:1}
.etrans-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12.5px;
  color:#1e293b;margin-bottom:4px;line-height:1.3}
.etrans-desc{font-size:12px;color:var(--gray);line-height:1.6}

/* ══════════════════════════════════════════
   GOVERNMENT AUTHORITY LINKS
   ══════════════════════════════════════════ */
.gov-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));
  gap:12px}

.gov-card{border:1.5px solid var(--border);border-radius:var(--radius);
  background:var(--white);padding:16px 18px;display:flex;align-items:flex-start;
  gap:13px;text-decoration:none;transition:box-shadow .2s,border-color .2s,transform .2s}
.gov-card:hover{box-shadow:0 5px 18px rgba(26,58,92,.11);
  border-color:rgba(26,58,92,.28);transform:translateY(-2px)}

.gov-seal{width:46px;height:46px;border-radius:10px;display:flex;
  align-items:center;justify-content:center;font-size:22px;
  flex-shrink:0;background:rgba(26,58,92,.07)}
.gov-body{flex:1;min-width:0}
.gov-agency{font-size:10.5px;font-weight:700;color:var(--navy);
  text-transform:uppercase;letter-spacing:.5px;margin-bottom:3px;
  display:flex;align-items:center;gap:5px}
.gov-badge{font-size:9.5px;background:rgba(0,135,90,.12);
  color:var(--green2);padding:1px 6px;border-radius:3px;
  font-weight:800;text-transform:uppercase}
.gov-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;
  color:#1e293b;line-height:1.3;margin-bottom:4px}
.gov-desc{font-size:12px;color:var(--gray);line-height:1.5;margin-bottom:7px}
.gov-url{font-size:11px;color:var(--navy);word-break:break-all;
  display:flex;align-items:center;gap:4px;font-weight:600;opacity:.75}
.gov-card:hover .gov-url{opacity:1}

/* ══════════════════════════════════════════
   DATA FRESHNESS TABLE
   ══════════════════════════════════════════ */
.dt-table{width:100%;border-collapse:collapse;font-size:13px}
.dt-table th{background:rgba(26,58,92,.06);color:var(--navy);
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:11.5px;
  text-transform:uppercase;letter-spacing:.5px;padding:10px 14px;
  text-align:left;border-bottom:2px solid var(--border)}
.dt-table td{padding:10px 14px;border-bottom:1px solid var(--border);
  color:var(--gray);vertical-align:middle}
.dt-table tr:last-child td{border-bottom:none}
.dt-table tr:hover td{background:rgba(26,58,92,.02)}
.dt-table .label{font-weight:600;color:#1e293b;font-size:12.5px}
.dt-table .badge{font-size:11px;padding:3px 9px;border-radius:4px;
  font-weight:700;display:inline-block;white-space:nowrap}
.badge-live{background:rgba(0,135,90,.12);color:var(--green2)}
.badge-annual{background:rgba(26,58,92,.1);color:var(--navy)}
.badge-biannual{background:rgba(8,145,178,.12);color:#064e63}
.badge-static{background:rgba(91,91,91,.1);color:#444}

/* ══════════════════════════════════════════
   EDITORIAL TEAM BOX
   ══════════════════════════════════════════ */
.team-box{border:1.5px solid var(--border);border-radius:var(--radius);
  background:var(--white);padding:20px 22px;display:flex;gap:16px;
  align-items:flex-start}
.team-avatar{width:52px;height:52px;border-radius:50%;
  background:linear-gradient(135deg,var(--navy),var(--teal));
  display:flex;align-items:center;justify-content:center;
  font-size:22px;flex-shrink:0;color:#fff}
.team-body{}
.team-name{font-family:'Montserrat',sans-serif;font-weight:800;
  font-size:14px;color:#1e293b;margin-bottom:2px}
.team-role{font-size:12px;color:var(--navy);font-weight:600;margin-bottom:6px}
.team-bio{font-size:13px;color:var(--gray);line-height:1.65}
.team-review{font-size:12px;color:var(--gray);margin-top:8px;
  padding-top:8px;border-top:1px solid var(--border)}
.team-review strong{color:#1e293b}

/* ── BOTTOM STAMP ── */
.stamp-bar{background:rgba(26,58,92,.04);border:1.5px solid rgba(26,58,92,.12);
  border-radius:var(--radius);padding:14px 18px;display:flex;flex-wrap:wrap;
  align-items:center;gap:14px;margin-top:24px}
.stamp-item{display:flex;align-items:center;gap:7px;font-size:12px;
  color:var(--gray);font-weight:500}
.stamp-item strong{color:#1e293b}
.stamp-sep{width:1px;height:20px;background:var(--border)}

/* ── RESPONSIVE ── */
@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .disc-banner{flex-direction:column;gap:10px}
  .disc-bang{font-size:28px}
  .gov-grid{grid-template-columns:1fr}
  .etrans-grid{grid-template-columns:1fr 1fr}
  .gov-card:hover{transform:none}
  .team-box{flex-direction:column;gap:12px}
  .stamp-sep{display:none}
  .stamp-bar{gap:8px}
  .dt-table{font-size:12px}
  .dt-table th,.dt-table td{padding:8px 10px}
}
@media(max-width:420px){
  .etrans-grid{grid-template-columns:1fr}
  .disc-banner-text h2{font-size:15px}
}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}
/* ============================================================
   SECTION: THE 6-MONTH LOOKBACK (Text & Callout Blocks)
   ============================================================ */

/* ── Container & Typography ── */
.tb-s3-block {
  margin-bottom: 48px;
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--gray, #5f6b7a);
  line-height: 1.8;
}
.tb-s3-block:last-child {
  margin-bottom: 0;
}
.tb-s3-block p {
  font-size: 15px;
  margin-bottom: 16px;
}
.tb-s3-block p:last-child {
  margin-bottom: 0;
}
.tb-s3-block p strong {
  color: var(--charcoal, #1a1a2e);
  font-weight: 600;
}
.tb-s3-block p em {
  font-style: italic;
  color: var(--navy, #1a3a5c);
  font-weight: 500;
}

/* ── Section Title ── */
.tb-s3-block-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  font-weight: 800;
  color: var(--navy, #1a3a5c);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border, #dde3ea);
  display: flex;
  align-items: center;
  gap: 10px;
}
.tb-s3-block-title .block-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: rgba(26, 58, 92, 0.08); /* Light Navy */
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
  flex-shrink: 0;
}

/* ── Callout Boxes ── */
.tb-s3-callout {
  border-radius: 12px;
  padding: 20px 22px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.co-icon {
  font-size: 20px;
  flex-shrink: 0;
  margin-top: 1px;
}
.co-body {
  flex: 1;
}
.co-body strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  display: block;
  margin-bottom: 6px;
  letter-spacing: 0.2px;
}
.co-body p {
  font-size: 13.5px;
  color: var(--gray, #5f6b7a);
  line-height: 1.7;
  margin: 0 !important;
}

/* ── Callout Color Variants ── */
/* Red (Warning / Danger) */
.tb-s3-callout.co-red {
  background: rgba(192, 57, 43, 0.04); /* Light Red */
  border: 1.5px solid rgba(192, 57, 43, 0.15);
}
.tb-s3-callout.co-red .co-body strong {
  color: var(--red, #c0392b);
}

/* Green (Success / Note) */
.tb-s3-callout.co-green {
  background: rgba(0, 135, 90, 0.05); /* Light Green */
  border: 1.5px solid rgba(0, 135, 90, 0.18);
}
.tb-s3-callout.co-green .co-body strong {
  color: var(--green, #00875A);
}

/* Optional: Navy & Gold (If you add more later) */
.tb-s3-callout.co-navy {
  background: rgba(26, 58, 92, 0.05);
  border: 1.5px solid rgba(26, 58, 92, 0.14);
}
.tb-s3-callout.co-navy .co-body strong {
  color: var(--navy, #1a3a5c);
}
.tb-s3-callout.co-gold {
  background: rgba(243, 156, 18, 0.06);
  border: 1.5px solid rgba(243, 156, 18, 0.22);
}
.tb-s3-callout.co-gold .co-body strong {
  color: var(--gold, #f39c12);
}

/* ── Mobile Optimization ── */
@media (max-width: 480px) {
  .tb-s3-callout {
    flex-direction: column;
    gap: 10px;
    padding: 16px 18px;
  }
  .co-icon {
    font-size: 24px;
  }
}