:root {
  --navy: #002868; --navy-dark: #00183F; --charcoal: #1D1D1F;
  --gray: #5F6368; --border: #E0E4E8; --bg: #F7F9FC;
  --white: #FFFFFF; --red: #BF0A30; --green: #00875A;
  --gold: #d19900; --orange: #da7101; --teal: #0891b2;
  --blue: #175cd3; --amber: #b54708;
  --sh-sm: 0 1px 4px rgba(0,40,104,0.08);
  --sh-md: 0 4px 20px rgba(0,40,104,0.12);
  --tr: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

/* ── Typography & Contrast Patch ── */
#bwWrapper .panel-title, #bwWrapper .slabel, #bwWrapper .f label, #bwWrapper .chart-title, #bwWrapper .klabel, #bwWrapper .wlabel, #bwWrapper .subhead { color: #1e293b !important; font-weight: 800 !important; }
#bwWrapper .iw input, #bwWrapper .iw select, #bwWrapper .seg-toggle label { font-weight: 600 !important; color: #0f172a !important; font-size: 15px !important; }
#bwWrapper .pfx, #bwWrapper .sfx { color: #334155 !important; font-weight: 800 !important; }
#bwWrapper .info-strip span, #bwWrapper .empty-s p, #bwWrapper .f .hint { color: #64748b !important; font-weight: 500 !important; }

/* ── Master Bullet Fix for WP Themes ── */
#bwWrapper ul, #bwWrapper li { display: block !important; list-style-type: disc !important; list-style-position: outside !important; }
#bwWrapper ul { padding-left: 32px !important; margin-left: 0 !important; flex-direction: unset !important; }
#bwWrapper li { display: list-item !important; padding-left: 0 !important; margin-bottom: 8px !important; }

/* ============================================================
   BRAND HERO SECTION
   ============================================================ */
.hero { background: linear-gradient(135deg, #0f2540 0%, #1a3a5c 60%, #1e4d7b 100%); padding: 52px 20px 44px; text-align: center; position: relative; overflow: hidden; margin-bottom: 24px; }
.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; }
.bdot { width: 7px; height: 7px; background: #fcd34d; border-radius: 50%; animation: blink 1.5s ease-in-out infinite; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .2; } }
.hero h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4vw, 42px); color: #ffffff !important; line-height: 1.15; margin-bottom: 14px; letter-spacing: -0.5px; }
.hero h1 span { color: #FCD34D; }
.hero p { font-size: 15.5px; color: rgba(255,255,255,.83); max-width: 780px; margin: 0 auto 22px; line-height: 1.75; }
.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; }

/* ============================================================
   CALCULATOR WRAPPER & GRID
   ============================================================ */
.wrap { max-width: 1240px; margin: 0 auto; padding: 0 20px 60px; }
.grid { display: grid; grid-template-columns: minmax(320px, 460px) 1fr; gap: 24px; align-items: start; }
@media (max-width: 960px) { .grid { grid-template-columns: 1fr; } }

/* === CARDS & PANELS === */
.calc-panel { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 24px; box-shadow: var(--sh-sm); }
.res-panel { background: var(--bg); border: 1px solid var(--border); border-radius: 16px; padding: 24px; box-shadow: var(--sh-sm); min-height: 600px; display: flex; flex-direction: column; }

.panel-title { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; border-bottom: 2px solid var(--border); padding-bottom: 12px; }
.pticon { width: 28px; height: 28px; background: rgba(0,40,104,.08); border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.slabel { font-family: 'Montserrat', sans-serif; font-size: 11.5px; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .8px; margin: 24px 0 12px; display: flex; align-items: center; gap: 10px; }
.slabel::after { content: ''; flex: 1; height: 1px; background: var(--border); }
.info-strip { background: rgba(0,40,104,.05); border: 1px solid rgba(0,40,104,.12); border-radius: 8px; padding: 12px 16px; font-size: 13px; color: var(--gray); line-height: 1.6; margin-bottom: 18px; display: flex; align-items: flex-start; gap: 8px; }

/* === INPUTS === */
.fg { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
@media (max-width: 480px) { .fg { grid-template-columns: 1fr; } }
.f { display: flex; flex-direction: column; gap: 5px; }
.f.full { grid-column: 1 / -1; margin-bottom: 14px; }
.f label { font-size: 12.5px; font-weight: 700; color: var(--charcoal); }
.f .hint { font-size: 11px; color: var(--gray); margin-top: -2px; display: block; }

.iw { position: relative; display: flex; align-items: center; height: 42px; border: 1.5px solid var(--border); border-radius: 8px; background: var(--white); overflow: hidden; transition: border-color .2s, box-shadow .2s; }
.iw:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,40,104,0.09); }
.iw .pfx, .iw .sfx { flex: 0 0 auto; padding: 0 12px; font-size: 13px; font-weight: 700; color: var(--navy); background: var(--bg); height: 100%; display: inline-flex; align-items: center; border-right: 1.5px solid var(--border); z-index: 1; }
.iw.s .sfx { order: 2; border-right: 0; border-left: 1.5px solid var(--border); }
.iw input, .iw select { border: 0; background: transparent; padding: 0 12px; height: 100%; font-size: 14px; color: var(--charcoal); width: 100%; outline: none; }
.iw select { cursor: pointer; appearance: none; }

.chk-label { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--charcoal); cursor: pointer; margin-bottom: 8px; }
.chk-label input { width: 16px; height: 16px; accent-color: var(--navy); cursor: pointer; }

/* Segmented toggle */
.seg-toggle { display: flex; border: 1.5px solid var(--border); border-radius: 8px; overflow: hidden; margin-bottom: 18px; flex-wrap: wrap; }
.seg-toggle label { flex: 1; text-align: center; padding: 10px 6px; font-size: 11.5px; font-weight: 700; cursor: pointer; color: var(--gray); background: var(--white); transition: background var(--tr), color var(--tr); margin: 0; border-right: 1.5px solid var(--border); white-space: nowrap; }
.seg-toggle label:last-of-type { border-right: none; }
.seg-toggle input[type="radio"] { display: none; }
.seg-toggle input[type="radio"]:checked + label { background: var(--navy); color: #fff; }

/* === BUTTONS === */
.actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; padding-top: 20px; border-top: 1px solid var(--border); }
.btn-p, .btn-s, .btn-g { display: inline-flex; align-items: center; justify-content: center; gap: 7px; min-height: 46px; padding: 10px 18px; border-radius: 8px; font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700; cursor: pointer; border: none; transition: transform .16s ease, box-shadow .16s ease, background .2s; }
.btn-p { background: var(--navy); color: #fff; box-shadow: 0 6px 18px rgba(0,40,104,0.22); flex: 1 1 100%; }
.btn-p:hover { transform: translateY(-1px); background: var(--navy-dark); }
.btn-s { background: var(--red); color: #fff; box-shadow: 0 6px 16px rgba(191,10,48,0.18); flex: 1 1 calc(50% - 5px); display: none; }
.btn-s:hover { transform: translateY(-1px); background: #9b0826; }
.btn-g { background: #25D366; color: #fff; flex: 1 1 calc(50% - 5px); display: none; }
.btn-g:hover { transform: translateY(-1px); background: #1da851; }
.btn-rst { background: transparent; color: var(--gray); border: 1.5px solid var(--border); flex: 1 1 100%; display: none; }
.btn-rst:hover { border-color: var(--navy); color: var(--navy); }
.err { padding: 12px 16px; font-size: 13px; font-weight: 600; color: var(--red); background: #FFF5F7; border: 1px solid rgba(191,10,48,0.2); border-radius: 8px; margin: 12px 0 0; display: none; }

/* === RESULTS === */
.empty-s { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 48px 16px; flex: 1; }
.empty-s .ei { font-size: 48px; opacity: 0.3; margin-bottom: 14px; }
.empty-s h3 { font-family: 'Montserrat', sans-serif; font-size: 16px; font-weight: 700; color: var(--charcoal); margin-bottom: 6px; }
.empty-s p { font-size: 13.5px; color: var(--gray); max-width: 300px; line-height: 1.6; margin: 0 auto; }
#rc { display: none; flex-direction: column; gap: 16px; }

.res-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 6px; }
.cbadge { display: inline-flex; align-items: center; gap: 6px; background: rgba(0,135,90,0.09); color: var(--green); border: 1px solid rgba(0,135,90,0.18); border-radius: 999px; padding: 4px 10px; font-size: 11px; font-weight: 700; white-space: nowrap; }

.kpis { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
@media(max-width:800px){ .kpis { grid-template-columns: repeat(2, 1fr); } }
.kpi { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 16px; box-shadow: var(--shadow-sm); text-align: center; }
.klabel { display: block; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.4px; color: var(--gray); margin-bottom: 7px; }
.kval { font-family: 'Montserrat', sans-serif; font-size: clamp(16px, 2vw, 22px); font-weight: 800; line-height: 1.2; color: var(--charcoal); }
.kval.pos { color: var(--green); }
.kval.neg { color: var(--red); }
.kval.warn { color: var(--amber); }

.subhead { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 12px; margin-top: 8px; }

.tw { background: var(--white); border: 1px solid var(--border); border-radius: 12px; overflow-x: auto; box-shadow: var(--shadow-sm); margin-bottom: 16px; }
.ct { width: 100%; border-collapse: collapse; min-width: 600px; }
.ct th, .ct td { padding: 12px 14px; border-bottom: 1px solid var(--border); font-size: 13px; text-align: left; color: var(--charcoal); font-variant-numeric: tabular-nums; }
.ct th { background: rgba(0,40,104,0.05); font-family: 'Montserrat', sans-serif; font-size: 11.5px; color: var(--navy); font-weight: 700; text-transform: uppercase; letter-spacing: 0.4px; }
.ct tbody tr:last-child td { border-bottom: 0; }
.ct tbody tr:nth-child(even) td { background: rgba(0,40,104,0.02); }

.progress-wrap { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 18px; box-shadow: var(--shadow-sm); margin-bottom: 16px; }
.progress { height: 14px; background: var(--bg); border-radius: 999px; overflow: hidden; border: 1px solid var(--border); }
.progress > span { display: block; height: 100%; background: linear-gradient(90deg, var(--green), #12b76a); transition: width 0.5s ease; }
.milestones { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; margin-top: 14px; }
.mile { padding: 14px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); text-align: center; }
.mile b { display: block; font-family: 'Montserrat', sans-serif; font-size: 15px; color: var(--navy); margin-top: 4px; font-weight: 800; }

.chart-wrap { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 18px; box-shadow: var(--shadow-sm); margin-bottom: 16px; }
.chart-wrap canvas { height: 280px !important; width: 100% !important; }
.results-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media(max-width:768px){ .results-grid { grid-template-columns: 1fr; } }

.note { padding: 16px 18px; border-radius: 12px; background: rgba(0,40,104,0.04); border: 1px solid rgba(0,40,104,0.12); color: var(--charcoal); font-size: 13px; line-height: 1.6; }
.alert { padding: 14px 16px; border-radius: 12px; background: rgba(23,92,211,.08); color: var(--blue); font-weight: 600; font-size: 13.5px; line-height: 1.5; display: flex; align-items: flex-start; gap: 8px; margin-bottom: 16px; }
.alert.warning { background: rgba(191,10,48,.08); color: var(--red); border: 1px solid rgba(191,10,48,.2); }
/* ============================================================
   SHARED SECTION WRAPPER
   ============================================================ */
.bw-sections {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px 60px;
  display: flex;
  flex-direction: column;
  gap: 32px;
}

/* Section card */
.bw-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--sh-sm);
}
.bw-card-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 24px;
  border-bottom: 2px solid var(--border);
  background: var(--bg);
}
.bw-card-icon {
  width: 36px; height: 36px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.bw-card-icon.navy  { background: rgba(0,40,104,0.10); }
.bw-card-icon.green { background: rgba(0,135,90,0.10); }
.bw-card-icon.amber { background: rgba(181,71,8,0.10); }
.bw-card-icon.teal  { background: rgba(8,145,178,0.10); }
.bw-card-icon.red   { background: rgba(191,10,48,0.10); }

.bw-card-head-text {}
.bw-card-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 2px;
}
.bw-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.2;
}
.bw-card-body {
  padding: 28px 24px;
}

/* ============================================================
   SECTION 1 — HOW IT WORKS
   ============================================================ */
.bw-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.bw-step {
  position: relative;
  padding: 22px 18px 20px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--bg);
  text-align: center;
}
.bw-step-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem;
  font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
  flex-shrink: 0;
}
.bw-step-icon {
  font-size: 1.8rem;
  display: block;
  margin-bottom: 10px;
}
.bw-step-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 8px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.bw-step-desc {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.7;
}
/* Connector arrow between steps */
.bw-steps-row {
  display: grid;
  grid-template-columns: 1fr 24px 1fr 24px 1fr;
  gap: 0;
  align-items: start;
}
.bw-step-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-top: 32px;
  color: var(--border);
  font-size: 1.3rem;
  font-weight: 700;
}
.bw-how-intro {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 24px;
  max-width: 80ch;
}
.bw-how-note {
  margin-top: 22px;
  padding: 14px 18px;
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 10px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

/* ============================================================
   SECTION 2 — BI-WEEKLY vs MONTHLY COMPARISON
   ============================================================ */
.bw-compare-intro {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 22px;
}
.bw-compare-tbl-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 12px;
  border: 1px solid var(--border);
  margin-bottom: 20px;
}
.bw-compare-tbl {
  width: 100%;
  border-collapse: collapse;
  min-width: 560px;
  font-size: 13px;
}
.bw-compare-tbl thead tr {
  background: var(--navy);
}
.bw-compare-tbl thead th {
  padding: 12px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  text-align: left;
}
.bw-compare-tbl thead th:not(:first-child) { text-align: center; }
.bw-compare-tbl tbody tr:nth-child(even) td { background: var(--bg); }
.bw-compare-tbl tbody td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--charcoal);
  font-weight: 500;
  vertical-align: middle;
}
.bw-compare-tbl tbody td:not(:first-child) { text-align: center; }
.bw-compare-tbl tbody tr:last-child td { border-bottom: none; }
.bw-compare-tbl .row-metric {
  font-weight: 700;
  color: var(--charcoal);
  font-size: 12.5px;
}
.bw-tbl-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 99px;
  font-size: 10.5px;
  font-weight: 700;
}
.bw-tbl-badge.green { background: #D1FAE5; color: #065F46; }
.bw-tbl-badge.red   { background: #FEE2E2; color: #991B1B; }
.bw-tbl-badge.amber { background: #FEF3C7; color: #92400E; }
.bw-tbl-badge.navy  { background: rgba(0,40,104,0.1); color: var(--navy); }

.bw-strategy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 6px;
}
.bw-strategy-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px 14px;
  background: var(--bg);
}
.bw-strategy-card.best { border-color: rgba(0,135,90,0.4); background: #F0FBF6; }
.bw-strategy-card-label {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--gray);
  margin-bottom: 6px;
}
.bw-strategy-card-label.green { color: var(--green); }
.bw-strategy-card-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 10px;
}
.bw-strategy-stat { margin-bottom: 5px; }
.bw-strategy-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
  display: block;
}
.bw-strategy-stat-val.green { color: var(--green); }
.bw-strategy-stat-lbl {
  font-size: 10.5px;
  color: var(--gray);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* ============================================================
   SECTION 3 — 5 EXPERT PRO TIPS
   ============================================================ */
.bw-tips-intro {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 22px;
}
.bw-tips-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.bw-tip {
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  background: var(--white);
  transition: box-shadow 0.2s, transform 0.2s;
}
.bw-tip:hover {
  box-shadow: var(--sh-md);
  transform: translateY(-1px);
}
.bw-tip-head {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 18px;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
}
.bw-tip-num {
  width: 36px; height: 36px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 900;
  color: #fff;
  flex-shrink: 0;
}
.bw-tip-num.c1 { background: var(--navy); }
.bw-tip-num.c2 { background: var(--green); }
.bw-tip-num.c3 { background: var(--amber); }
.bw-tip-num.c4 { background: var(--teal); }
.bw-tip-num.c5 { background: var(--red); }

.bw-tip-tag {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 3px;
}
.bw-tip-tag.c1 { color: var(--navy); }
.bw-tip-tag.c2 { color: var(--green); }
.bw-tip-tag.c3 { color: var(--amber); }
.bw-tip-tag.c4 { color: var(--teal); }
.bw-tip-tag.c5 { color: var(--red); }

.bw-tip-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.3;
}
.bw-tip-body {
  padding: 18px;
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 18px;
  align-items: start;
}
.bw-tip-text {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
}
.bw-tip-text p { margin-bottom: 10px; }
.bw-tip-text p:last-child { margin-bottom: 0; }
.bw-tip-text strong { color: var(--charcoal); font-weight: 700; }
.bw-tip-action-box {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px;
}
.bw-tip-action-head {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray);
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
  margin-bottom: 10px;
}
.bw-tip-actions { display: flex; flex-direction: column; gap: 8px; }
.bw-tip-action-item {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 12px;
  color: var(--gray);
  line-height: 1.6;
}
.bw-tip-action-dot {
  width: 18px; height: 18px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 9px;
  font-weight: 800;
  color: #fff;
  flex-shrink: 0;
  margin-top: 1px;
}
.bw-tip-action-dot.c1 { background: var(--navy); }
.bw-tip-action-dot.c2 { background: var(--green); }
.bw-tip-action-dot.c3 { background: var(--amber); }
.bw-tip-action-dot.c4 { background: var(--teal); }
.bw-tip-action-dot.c5 { background: var(--red); }
.bw-tip-action-item strong { color: var(--charcoal); font-weight: 700; }

.bw-stat-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 10px 0;
}
.bw-stat-pill {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 6px 12px;
  text-align: center;
}
.bw-stat-pill-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  display: block;
}
.bw-stat-pill-lbl {
  font-size: 9.5px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray);
  display: block;
  margin-top: 1px;
}

/* ============================================================
   SECTION 4 — FAQs
   ============================================================ */
.bw-faq-intro {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 22px;
}
.bw-faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.bw-faq-col { display: flex; flex-direction: column; }
.bw-faq-item {
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
}
.bw-faq-col:nth-child(2) .bw-faq-item { border-right: none; }
.bw-faq-item:last-child { border-bottom: none; }
.bw-faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 16px 18px;
  cursor: pointer;
  user-select: none;
  transition: background 0.15s;
}
.bw-faq-q:hover { background: var(--bg); }
.bw-faq-q-text {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.4;
  flex: 1;
}
.bw-faq-chevron {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(0,40,104,0.08);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px;
  color: var(--navy);
  flex-shrink: 0;
  transition: transform 0.2s, background 0.2s;
  font-weight: 700;
}
.bw-faq-item.open .bw-faq-chevron {
  transform: rotate(180deg);
  background: var(--navy);
  color: #fff;
}
.bw-faq-a {
  display: none;
  padding: 0 18px 16px;
  font-size: 13px;
  color: var(--gray);
  line-height: 1.75;
  border-top: 1px solid var(--border);
  background: rgba(0,40,104,0.02);
}
.bw-faq-item.open .bw-faq-a { display: block; }
.bw-faq-a strong { color: var(--charcoal); font-weight: 700; }

.bw-faq-category {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 10px 18px 6px;
  color: var(--navy);
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
  font-family: 'Montserrat', sans-serif;
}
.bw-faq-col:nth-child(2) .bw-faq-category { border-right: none; }

/* ============================================================
   SECTION 5 — RELATED CALCULATORS
   ============================================================ */
.bw-related-intro {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 22px;
}
.bw-related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.bw-related-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 18px 16px;
  background: var(--bg);
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: box-shadow 0.2s, transform 0.2s, border-color 0.2s;
  cursor: pointer;
  text-decoration: none;
}
.bw-related-card:hover {
  box-shadow: var(--sh-md);
  transform: translateY(-2px);
  border-color: rgba(0,40,104,0.3);
}
.bw-related-icon {
  font-size: 1.8rem;
  display: block;
}
.bw-related-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.3;
}
.bw-related-desc {
  font-size: 12px;
  color: var(--gray);
  line-height: 1.6;
  flex: 1;
}
.bw-related-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 2px;
}

/* ============================================================
   CALLOUT BOX
   ============================================================ */
.bw-callout {
  padding: 14px 18px;
  border-radius: 10px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 13.5px;
  line-height: 1.65;
  margin-top: 20px;
}
.bw-callout.navy {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.15);
  color: var(--charcoal);
}
.bw-callout.green {
  background: rgba(0,135,90,0.06);
  border: 1px solid rgba(0,135,90,0.2);
  color: var(--charcoal);
}
.bw-callout strong { font-weight: 700; }

/* ============================================================
   MOBILE — All sections fully responsive
   ============================================================ */
@media (max-width: 860px) {
  .bw-steps-row {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .bw-step-arrow { display: none; }
  .bw-strategy-grid { grid-template-columns: 1fr 1fr; }
  .bw-tip-body { grid-template-columns: 1fr; }
  .bw-faq-grid {
    grid-template-columns: 1fr;
  }
  .bw-faq-col .bw-faq-item { border-right: none; }
  .bw-faq-col .bw-faq-category { border-right: none; }
  .bw-related-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .bw-card-body { padding: 18px 14px; }
  .bw-card-head { padding: 14px 16px; }
  .bw-strategy-grid { grid-template-columns: 1fr; }
  .bw-related-grid { grid-template-columns: 1fr 1fr; }
  .bw-tip-head { padding: 12px 14px; }
  .bw-tip-body { padding: 14px; }
  .bw-card-title { font-size: 13.5px; }
}
@media (max-width: 420px) {
  .bw-related-grid { grid-template-columns: 1fr; }
  .bw-sections { padding: 0 12px 40px; gap: 20px; }
  .bw-compare-tbl-wrap { border-radius: 8px; }
}
* ============================================================
   5 REAL US EXAMPLES — SECTION CSS
   Scoped to .bw-examples — matches existing calculator vars
   ============================================================ */

/* ---- SECTION CARD (matches .bw-card from sections file) ---- */
.bw-examples-wrap {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px 40px;
}

.bw-ex-card {
  background: var(--white, #FFFFFF);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,40,104,0.08);
}

.bw-ex-card-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 24px;
  border-bottom: 2px solid var(--border, #E0E4E8);
  background: var(--bg, #F7F9FC);
}
.bw-ex-card-icon {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(0,40,104,0.10);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.bw-ex-card-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray, #5F6368);
  margin-bottom: 2px;
}
.bw-ex-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  line-height: 1.2;
}

.bw-ex-body {
  padding: 28px 24px;
}

/* ---- INTRO ---- */
.bw-ex-intro {
  font-size: 14px;
  color: var(--gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 28px;
  max-width: 80ch;
}

/* ---- INDIVIDUAL EXAMPLE CARD ---- */
.bw-ex-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.bw-ex {
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  background: var(--white, #FFFFFF);
  transition: box-shadow 0.2s, transform 0.2s;
}
.bw-ex:hover {
  box-shadow: 0 4px 20px rgba(0,40,104,0.12);
  transform: translateY(-1px);
}

/* ---- EXAMPLE HEADER ---- */
.bw-ex-head {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 16px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border, #E0E4E8);
  background: var(--bg, #F7F9FC);
}

.bw-ex-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 900;
  color: #fff;
  flex-shrink: 0;
}
.bw-ex-badge.ex1 { background: #002868; }
.bw-ex-badge.ex2 { background: #00875A; }
.bw-ex-badge.ex3 { background: #b54708; }
.bw-ex-badge.ex4 { background: #0891b2; }
.bw-ex-badge.ex5 { background: #BF0A30; }

.bw-ex-head-meta {}
.bw-ex-profile-tag {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 3px;
}
.bw-ex-profile-tag.ex1 { color: #002868; }
.bw-ex-profile-tag.ex2 { color: #00875A; }
.bw-ex-profile-tag.ex3 { color: #b54708; }
.bw-ex-profile-tag.ex4 { color: #0891b2; }
.bw-ex-profile-tag.ex5 { color: #BF0A30; }

.bw-ex-head-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 14.5px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  line-height: 1.2;
}
.bw-ex-head-sub {
  font-size: 12px;
  color: var(--gray, #5F6368);
  margin-top: 2px;
}

.bw-ex-strategy-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 5px 12px;
  border-radius: 99px;
  font-size: 11px;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}
.bw-ex-strategy-pill.ex1 { background: rgba(0,40,104,0.08); color: #002868; border: 1px solid rgba(0,40,104,0.2); }
.bw-ex-strategy-pill.ex2 { background: rgba(0,135,90,0.08); color: #00875A; border: 1px solid rgba(0,135,90,0.2); }
.bw-ex-strategy-pill.ex3 { background: rgba(181,71,8,0.08); color: #b54708; border: 1px solid rgba(181,71,8,0.2); }
.bw-ex-strategy-pill.ex4 { background: rgba(8,145,178,0.08); color: #0891b2; border: 1px solid rgba(8,145,178,0.2); }
.bw-ex-strategy-pill.ex5 { background: rgba(191,10,48,0.08); color: #BF0A30; border: 1px solid rgba(191,10,48,0.2); }

/* ---- EXAMPLE BODY ---- */
.bw-ex-inner {
  padding: 20px;
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 20px;
  align-items: start;
}

/* Left: loan params + narrative */
.bw-ex-left {}

/* Loan parameters row */
.bw-ex-params {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 16px;
}
.bw-ex-param {
  background: var(--bg, #F7F9FC);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 7px;
  padding: 6px 11px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  min-width: 80px;
}
.bw-ex-param-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  display: block;
}
.bw-ex-param-lbl {
  font-size: 9.5px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray, #5F6368);
  display: block;
  margin-top: 1px;
}

/* Narrative text */
.bw-ex-story {
  font-size: 13.5px;
  color: var(--gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 12px;
}
.bw-ex-story strong {
  color: var(--charcoal, #1D1D1F);
  font-weight: 700;
}
.bw-ex-story:last-of-type { margin-bottom: 0; }

/* ---- RESULTS PANEL (right column) ---- */
.bw-ex-results {
  background: var(--bg, #F7F9FC);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 10px;
  overflow: hidden;
}

.bw-ex-results-head {
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
}
.bw-ex-results-head.ex1 { background: #002868; }
.bw-ex-results-head.ex2 { background: #00875A; }
.bw-ex-results-head.ex3 { background: #b54708; }
.bw-ex-results-head.ex4 { background: #0891b2; }
.bw-ex-results-head.ex5 { background: #BF0A30; }

.bw-ex-kpi-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--border, #E0E4E8);
}
.bw-ex-kpi {
  padding: 12px 12px 10px;
  background: var(--white, #FFFFFF);
  text-align: center;
}
.bw-ex-kpi-lbl {
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray, #5F6368);
  display: block;
  margin-bottom: 5px;
}
.bw-ex-kpi-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  display: block;
  line-height: 1.1;
}
.bw-ex-kpi-val.green  { color: #00875A; }
.bw-ex-kpi-val.navy   { color: #002868; }
.bw-ex-kpi-val.amber  { color: #b54708; }
.bw-ex-kpi-val.teal   { color: #0891b2; }
.bw-ex-kpi-val.red    { color: #BF0A30; }

/* Comparison bar */
.bw-ex-bar-section {
  padding: 12px;
  border-top: 1px solid var(--border, #E0E4E8);
  background: var(--white, #FFFFFF);
}
.bw-ex-bar-label {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--gray, #5F6368);
  margin-bottom: 6px;
  display: flex;
  justify-content: space-between;
}
.bw-ex-bar-wrap {
  height: 10px;
  background: var(--bg, #F7F9FC);
  border-radius: 99px;
  overflow: hidden;
  border: 1px solid var(--border, #E0E4E8);
  margin-bottom: 4px;
}
.bw-ex-bar-fill {
  height: 100%;
  border-radius: 99px;
  transition: width 0.6s ease;
}
.bw-ex-bar-fill.ex1 { background: linear-gradient(90deg, #002868, #1e40af); }
.bw-ex-bar-fill.ex2 { background: linear-gradient(90deg, #00875A, #12b76a); }
.bw-ex-bar-fill.ex3 { background: linear-gradient(90deg, #b54708, #f59e0b); }
.bw-ex-bar-fill.ex4 { background: linear-gradient(90deg, #0891b2, #22d3ee); }
.bw-ex-bar-fill.ex5 { background: linear-gradient(90deg, #BF0A30, #f43f5e); }
.bw-ex-bar-legend {
  display: flex;
  justify-content: space-between;
  font-size: 9.5px;
  color: var(--gray, #5F6368);
}

/* CTA inside example */
.bw-ex-cta {
  margin-top: 10px;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--charcoal, #1D1D1F);
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.12);
  line-height: 1.5;
  display: flex;
  gap: 7px;
  align-items: flex-start;
}

/* ---- SUMMARY CALLOUT ---- */
.bw-ex-summary {
  margin-top: 28px;
  border: 1px solid rgba(0,135,90,0.25);
  border-radius: 12px;
  overflow: hidden;
}
.bw-ex-summary-head {
  background: #00875A;
  padding: 12px 18px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: #fff;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.bw-ex-summary-body {
  padding: 16px 18px;
  background: rgba(0,135,90,0.03);
}
.bw-ex-summary-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 10px;
}
.bw-ex-summary-item {
  text-align: center;
  padding: 10px 6px;
  background: var(--white, #FFFFFF);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 8px;
}
.bw-ex-summary-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: #00875A;
  display: block;
  margin-bottom: 3px;
}
.bw-ex-summary-lbl {
  font-size: 9.5px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--gray, #5F6368);
}
.bw-ex-summary-note {
  font-size: 12.5px;
  color: var(--gray, #5F6368);
  line-height: 1.7;
  margin-top: 12px;
}
.bw-ex-summary-note strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

/* ---- MOBILE RESPONSIVE ---- */
@media (max-width: 900px) {
  .bw-ex-inner {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .bw-ex-head {
    grid-template-columns: auto 1fr;
    gap: 12px;
  }
  .bw-ex-strategy-pill {
    display: none;
  }
  .bw-ex-summary-grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}
@media (max-width: 600px) {
  .bw-ex-body { padding: 18px 14px; }
  .bw-ex-card-head { padding: 14px 16px; }
  .bw-ex-inner { padding: 14px; }
  .bw-ex-head { padding: 12px 14px; }
  .bw-ex-kpi-val { font-size: 13px; }
  .bw-ex-summary-grid { grid-template-columns: 1fr 1fr; }
  .bw-ex-params { gap: 6px; }
  .bw-ex-param { min-width: 70px; padding: 5px 8px; }
  .bw-ex-param-val { font-size: 12px; }
}
@media (max-width: 380px) {
  .bw-ex-summary-grid { grid-template-columns: 1fr 1fr; }
  .bw-ex-params { gap: 5px; }
}
/* ============================================================
   LEGAL DISCLAIMER SECTION — scoped to .bw-legal-wrap
   Uses same --navy, --charcoal, --gray, --border, --bg vars
   ============================================================ */

.bw-legal-wrap {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px 60px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* ---- MAIN DISCLAIMER CARD ---- */
.bw-legal-card {
  background: var(--white, #FFFFFF);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,40,104,0.08);
}

.bw-legal-card-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 24px;
  border-bottom: 2px solid var(--border, #E0E4E8);
  background: var(--bg, #F7F9FC);
}
.bw-legal-icon {
  width: 36px; height: 36px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.bw-legal-icon.navy  { background: rgba(0,40,104,0.10); }
.bw-legal-icon.amber { background: rgba(181,71,8,0.10); }
.bw-legal-icon.teal  { background: rgba(8,145,178,0.10); }
.bw-legal-icon.green { background: rgba(0,135,90,0.10); }

.bw-legal-card-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray, #5F6368);
  margin-bottom: 2px;
}
.bw-legal-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  line-height: 1.2;
}

/* IMPORTANT NOTICE BANNER */
.bw-legal-notice-bar {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 24px;
  background: #FFF8F0;
  border-bottom: 1px solid rgba(181,71,8,0.2);
}
.bw-legal-notice-icon {
  font-size: 1.4rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.bw-legal-notice-text {
  font-size: 13px;
  line-height: 1.7;
  color: #7c3200;
}
.bw-legal-notice-text strong {
  font-weight: 700;
  display: block;
  margin-bottom: 3px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.bw-legal-body {
  padding: 28px 24px;
}

/* ---- TWO-COLUMN GRID ---- */
.bw-legal-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}

/* Disclaimer block */
.bw-legal-block {
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 12px;
  overflow: hidden;
}
.bw-legal-block-head {
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 7px;
}
.bw-legal-block-head.navy  { background: var(--navy, #002868); }
.bw-legal-block-head.amber { background: #b54708; }
.bw-legal-block-head.teal  { background: #0891b2; }
.bw-legal-block-head.green { background: #00875A; }
.bw-legal-block-head.red   { background: #BF0A30; }
.bw-legal-block-head.charcoal { background: var(--charcoal, #1D1D1F); }

.bw-legal-block-body {
  padding: 16px;
  background: var(--white, #FFFFFF);
}
.bw-legal-block-body p {
  font-size: 13px;
  color: var(--gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 10px;
}
.bw-legal-block-body p:last-child { margin-bottom: 0; }
.bw-legal-block-body strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

/* Legal bullet list */
.bw-legal-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.bw-legal-list li {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 12.5px;
  color: var(--gray, #5F6368);
  line-height: 1.65;
}
.bw-legal-list li::before {
  content: "›";
  color: var(--navy, #002868);
  font-weight: 900;
  font-size: 1rem;
  flex-shrink: 0;
  line-height: 1.45;
}
.bw-legal-list li strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

/* Full-width legal block */
.bw-legal-block.full {
  grid-column: 1 / -1;
}

/* ---- EDITORIAL TRANSPARENCY ---- */
.bw-editorial-section {
  margin-top: 6px;
  padding-top: 24px;
  border-top: 2px solid var(--border, #E0E4E8);
}
.bw-editorial-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.bw-editorial-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.bw-editorial-sub {
  font-size: 13px;
  color: var(--gray, #5F6368);
  margin-left: auto;
  font-style: italic;
}

.bw-editorial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 18px;
}
.bw-editorial-item {
  background: var(--bg, #F7F9FC);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 10px;
  padding: 14px;
}
.bw-editorial-item-icon {
  font-size: 1.3rem;
  display: block;
  margin-bottom: 8px;
}
.bw-editorial-item-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.bw-editorial-item-text {
  font-size: 12px;
  color: var(--gray, #5F6368);
  line-height: 1.65;
}
.bw-editorial-item-text strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

/* ---- COMPANY ATTRIBUTION ---- */
.bw-company-strip {
  padding: 14px 16px;
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 10px;
  font-size: 13px;
  color: var(--gray, #5F6368);
  line-height: 1.7;
}
.bw-company-strip strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }
.bw-company-strip a {
  color: var(--navy, #002868);
  font-weight: 700;
  text-decoration: none;
}
.bw-company-strip a:hover { text-decoration: underline; }

/* ---- GOVERNMENT AUTHORITY LINKS ---- */
.bw-govlinks-card {
  background: var(--white, #FFFFFF);
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,40,104,0.08);
}

.bw-govlinks-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px 24px;
  border-bottom: 2px solid var(--border, #E0E4E8);
  background: var(--bg, #F7F9FC);
}

.bw-govlinks-body {
  padding: 24px;
}

.bw-govlinks-intro {
  font-size: 13.5px;
  color: var(--gray, #5F6368);
  line-height: 1.75;
  margin-bottom: 20px;
  max-width: 80ch;
}
.bw-govlinks-intro strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

.bw-govlinks-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.bw-govlink {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px;
  border: 1px solid var(--border, #E0E4E8);
  border-radius: 12px;
  background: var(--bg, #F7F9FC);
  text-decoration: none;
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.2s;
  cursor: pointer;
}
.bw-govlink:hover {
  box-shadow: 0 4px 20px rgba(0,40,104,0.12);
  border-color: rgba(0,40,104,0.3);
  transform: translateY(-1px);
}

.bw-govlink-seal {
  width: 44px; height: 44px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
  background: var(--white, #FFFFFF);
  border: 1px solid var(--border, #E0E4E8);
}

.bw-govlink-meta {}
.bw-govlink-agency {
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gray, #5F6368);
  margin-bottom: 3px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.bw-govlink-agency-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--green, #00875A);
  display: inline-block;
}
.bw-govlink-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal, #1D1D1F);
  line-height: 1.3;
  margin-bottom: 6px;
}
.bw-govlink-desc {
  font-size: 12px;
  color: var(--gray, #5F6368);
  line-height: 1.6;
  margin-bottom: 8px;
}
.bw-govlink-relevance {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 10.5px;
  font-weight: 700;
  color: var(--navy, #002868);
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.15);
  border-radius: 99px;
  padding: 2px 8px;
}
.bw-govlink-url {
  font-size: 10.5px;
  color: var(--teal, #0891b2);
  font-weight: 600;
  word-break: break-all;
  margin-top: 4px;
  display: block;
}

.bw-govlinks-note {
  margin-top: 18px;
  padding: 12px 16px;
  background: rgba(0,135,90,0.04);
  border: 1px solid rgba(0,135,90,0.18);
  border-radius: 8px;
  font-size: 12.5px;
  color: var(--gray, #5F6368);
  line-height: 1.65;
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.bw-govlinks-note strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }

/* ---- LEGAL FOOTER BAR ---- */
.bw-legal-footer {
  padding: 14px 24px;
  border-top: 1px solid var(--border, #E0E4E8);
  background: var(--bg, #F7F9FC);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.bw-legal-footer-text {
  font-size: 11.5px;
  color: var(--gray, #5F6368);
  line-height: 1.6;
}
.bw-legal-footer-text strong { color: var(--charcoal, #1D1D1F); font-weight: 700; }
.bw-legal-footer-text a {
  color: var(--navy, #002868);
  font-weight: 700;
  text-decoration: none;
}
.bw-legal-footer-text a:hover { text-decoration: underline; }
.bw-legal-footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border-radius: 99px;
  font-size: 11px;
  font-weight: 700;
  background: rgba(0,135,90,0.08);
  border: 1px solid rgba(0,135,90,0.2);
  color: var(--green, #00875A);
  white-space: nowrap;
  flex-shrink: 0;
}

/* ---- MOBILE ---- */
@media (max-width: 860px) {
  .bw-legal-grid { grid-template-columns: 1fr; }
  .bw-legal-block.full { grid-column: auto; }
  .bw-editorial-grid { grid-template-columns: 1fr 1fr; }
  .bw-govlinks-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .bw-legal-body { padding: 18px 14px; }
  .bw-legal-card-head, .bw-govlinks-head { padding: 14px 16px; }
  .bw-govlinks-body { padding: 18px 14px; }
  .bw-editorial-grid { grid-template-columns: 1fr; }
  .bw-legal-notice-bar { padding: 14px 16px; }
  .bw-legal-footer { padding: 12px 14px; flex-direction: column; align-items: flex-start; }
  .bw-legal-card-title, .bw-legal-card-title { font-size: 13.5px; }
}


/* 1 ── STOP HORIZONTAL SCROLL AT ROOT */
html {
  overflow-x: hidden !important;
}
body {
  overflow-x: hidden !important;
  max-width: 100% !important;
}

/* 2 ── BWWRAPPER: the master container */
#bwWrapper {
  width: 100% !important;
  max-width: 100% !important;
  overflow-x: hidden !important;
  box-sizing: border-box !important;
  padding: 0 !important;
  margin: 0 !important;
}

/* 3 ── HERO: full-bleed, text must stay inside */
#bwWrapper .hero {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow: hidden !important;
  padding-left: 16px !important;
  padding-right: 16px !important;
}
#bwWrapper .hero-inner {
  width: 100% !important;
  max-width: 860px !important;
  margin-left: auto !important;
  margin-right: auto !important;
  box-sizing: border-box !important;
}
#bwWrapper .hero h1,
#bwWrapper .hero p {
  word-break: break-word !important;
  overflow-wrap: break-word !important;
  max-width: 100% !important;
}
#bwWrapper .chips {
  width: 100% !important;
  flex-wrap: wrap !important;
  box-sizing: border-box !important;
}

/* 4 ── CALCULATOR WRAP */
#bwWrapper .wrap {
  width: 100% !important;
  max-width: 1240px !important;
  margin: 0 auto !important;
  padding: 0 16px 60px !important;
  box-sizing: border-box !important;
  overflow: hidden !important;
}

/* 5 ── THE GRID: minmax(320px) is the #1 overflow cause on phones */
#bwWrapper .grid {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 960px) {
  #bwWrapper .grid {
    grid-template-columns: 1fr !important;
  }
}

/* 6 ── PANELS */
#bwWrapper .calc-panel,
#bwWrapper .res-panel {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow: hidden !important;
}
@media (max-width: 960px) {
  #bwWrapper .res-panel {
    min-height: unset !important;
  }
}
@media (max-width: 480px) {
  #bwWrapper .calc-panel,
  #bwWrapper .res-panel {
    padding: 16px 12px !important;
    border-radius: 10px !important;
  }
}

/* 7 ── INPUT GRID: min-width:0 prevents grid blowout */
#bwWrapper .fg {
  width: 100% !important;
  box-sizing: border-box !important;
}
#bwWrapper .fg > * {
  min-width: 0 !important;
  box-sizing: border-box !important;
}
#bwWrapper .f,
#bwWrapper .f.full {
  min-width: 0 !important;
  width: 100% !important;
  box-sizing: border-box !important;
}
#bwWrapper .iw {
  width: 100% !important;
  min-width: 0 !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
}
#bwWrapper .iw input,
#bwWrapper .iw select {
  min-width: 0 !important;
  max-width: 100% !important;
  width: 100% !important;
}
@media (max-width: 480px) {
  #bwWrapper .fg {
    grid-template-columns: 1fr !important;
  }
}

/* 8 ── SEGMENTED TOGGLE */
#bwWrapper .seg-toggle {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 400px) {
  #bwWrapper .seg-toggle {
    flex-direction: column !important;
  }
  #bwWrapper .seg-toggle label {
    flex: 1 1 100% !important;
    border-right: none !important;
    border-bottom: 1.5px solid var(--border) !important;
    white-space: normal !important;
    font-size: 11px !important;
  }
  #bwWrapper .seg-toggle label:last-of-type {
    border-bottom: none !important;
  }
}

/* 9 ── KPI CARDS */
#bwWrapper .kpis {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 520px) {
  #bwWrapper .kpis {
    grid-template-columns: 1fr 1fr !important;
    gap: 8px !important;
  }
  #bwWrapper .kpi {
    padding: 10px 8px !important;
  }
  #bwWrapper .kval {
    font-size: 14px !important;
  }
  #bwWrapper .klabel {
    font-size: 10px !important;
  }
}

/* 10 ── MILESTONES: 3-col → 1-col on mobile */
#bwWrapper .milestones {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 520px) {
  #bwWrapper .milestones {
    grid-template-columns: 1fr !important;
    gap: 8px !important;
  }
}

/* 11 ── TABLES: scroll internally, never expand page */
#bwWrapper .tw {
  width: 100% !important;
  max-width: 100% !important;
  overflow-x: auto !important;
  -webkit-overflow-scrolling: touch !important;
  box-sizing: border-box !important;
}
#bwWrapper .ct { min-width: 460px !important; }
@media (max-width: 480px) {
  #bwWrapper .ct th,
  #bwWrapper .ct td {
    padding: 7px 8px !important;
    font-size: 11px !important;
  }
}

/* 12 ── CHARTS */
#bwWrapper .chart-wrap,
#bwWrapper .progress-wrap {
  width: 100% !important;
  max-width: 100% !important;
  overflow: hidden !important;
  box-sizing: border-box !important;
}
#bwWrapper .results-grid {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 768px) {
  #bwWrapper .results-grid {
    grid-template-columns: 1fr !important;
  }
}
@media (max-width: 480px) {
  #bwWrapper .chart-wrap canvas {
    height: 200px !important;
  }
}

/* 13 ── ALL TEXT: never push layout */
#bwWrapper .info-strip,
#bwWrapper .note,
#bwWrapper .alert,
#bwWrapper .err,
#bwWrapper .modeInfo {
  width: 100% !important;
  box-sizing: border-box !important;
  word-break: break-word !important;
  overflow-wrap: break-word !important;
}

/* 14 ── ACTIONS / BUTTONS */
#bwWrapper .actions {
  width: 100% !important;
  box-sizing: border-box !important;
}
@media (max-width: 420px) {
  #bwWrapper .btn-s,
  #bwWrapper .btn-g {
    flex: 1 1 100% !important;
  }
}

/* 15 ── RES-HEAD */
@media (max-width: 520px) {
  #bwWrapper .res-head {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 6px !important;
  }
}

/* ============================================================
   CONTENT SECTIONS — bw-sections, examples, legal, govlinks
   All have padding: 0 20px which is fine standalone but
   causes double-padding on WP — reduce on mobile
   ============================================================ */

/* bw-sections wrapper */
.bw-sections {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow-x: hidden !important;
}
@media (max-width: 600px) {
  .bw-sections {
    padding-left: 12px !important;
    padding-right: 12px !important;
  }
}

/* Examples wrap */
.bw-examples-wrap {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow-x: hidden !important;
}
@media (max-width: 600px) {
  .bw-examples-wrap {
    padding-left: 12px !important;
    padding-right: 12px !important;
  }
}

/* Legal wrap */
.bw-legal-wrap {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow-x: hidden !important;
}
@media (max-width: 600px) {
  .bw-legal-wrap {
    padding-left: 12px !important;
    padding-right: 12px !important;
  }
}

/* All bw-cards within sections */
.bw-card,
.bw-legal-card,
.bw-govlinks-card,
.bw-ex-card {
  width: 100% !important;
  max-width: 100% !important;
  box-sizing: border-box !important;
  overflow: hidden !important;
}

/* Strategy grid in how-it-works */
@media (max-width: 600px) {
  .bw-strategy-grid {
    grid-template-columns: 1fr !important;
  }
  .bw-steps-row {
    grid-template-columns: 1fr !important;
  }
  .bw-step-arrow {
    display: none !important;
  }
  .bw-related-grid {
    grid-template-columns: 1fr 1fr !important;
  }
  .bw-faq-grid {
    grid-template-columns: 1fr !important;
  }
}
@media (max-width: 420px) {
  .bw-related-grid {
    grid-template-columns: 1fr !important;
  }
}

/* Example card internals */
@media (max-width: 860px) {
  .bw-ex-inner {
    grid-template-columns: 1fr !important;
  }
}
@media (max-width: 600px) {
  .bw-ex-summary-grid {
    grid-template-columns: 1fr 1fr !important;
  }
  .bw-ex-kpi-grid {
    grid-template-columns: 1fr 1fr !important;
  }
}

/* Legal grid internals */
@media (max-width: 860px) {
  .bw-legal-grid {
    grid-template-columns: 1fr !important;
  }
  .bw-editorial-grid {
    grid-template-columns: 1fr 1fr !important;
  }
  .bw-govlinks-grid {
    grid-template-columns: 1fr !important;
  }
}
@media (max-width: 600px) {
  .bw-editorial-grid {
    grid-template-columns: 1fr !important;
  }
  .bw-legal-block.full {
    grid-column: auto !important;
  }
}

/* Gov links */
@media (max-width: 860px) {
  .bw-govlinks-grid {
    grid-template-columns: 1fr !important;
  }
}

/* Badge wrap on very small screens */
@media (max-width: 380px) {
  #bwWrapper .badge {
    font-size: 10px !important;
    padding: 4px 10px !important;
    max-width: 95% !important;
    white-space: normal !important;
    text-align: center !important;
    justify-content: center !important;
  }
  #bwWrapper .hero {
    padding-top: 32px !important;
    padding-bottom: 28px !important;
  }
  #bwWrapper .hero h1 {
    font-size: 22px !important;
  }
}

/* ============================================================
   WORDPRESS THEME BODY PADDING NEUTRALISER
   Kadence / most WP themes add padding to .entry-content
   which, combined with calculator's own padding, causes the
   right-side bleed seen in the screenshot
   ============================================================ */
.entry-content,
.wp-block-post-content,
.entry-content .wp-block-group,
.site-main .entry-content {
  overflow-x: hidden !important;
}

/* ============================================================
   ANTI-SHIFT & AUTO-CENTERING MOBILE CODE
   ============================================================ */

/* 1. RESET WORDPRESS CONTAINERS */
.entry-content, .post-content, .page-content, .type-page {
    padding: 0 !important;
    margin: 0 !important;
    max-width: 100% !important;
    overflow-x: hidden !important;
}

/* 2. FORCE WRAPPER TO SCREEN WIDTH */
#bwWrapper {
    width: 100% !important;
    max-width: 100vw !important;
    margin: 0 auto !important;
    padding: 0 !important;
    overflow-x: hidden !important;
    display: block !important;
}

/* 3. FIX THE TABLES (This is likely what's pushing your site right) */
#bwWrapper .tw, #bwWrapper .bw-compare-tbl-wrap {
    width: 100% !important;
    overflow-x: auto !important; /* Allow table to scroll inside its box */
    display: block !important;
    -webkit-overflow-scrolling: touch;
}

#bwWrapper .ct, #bwWrapper .bw-compare-tbl {
    min-width: 320px !important; /* Allow it to be small */
    width: 100% !important;
    table-layout: auto !important;
}

/* 4. MOBILE SPECIFIC FIXES (Phones) */
@media (max-width: 600px) {
    /* Stack the main layout */
    #bwWrapper .grid {
        display: flex !important;
        flex-direction: column !important;
        width: 100% !important;
        padding: 10px !important;
    }

    #bwWrapper .calc-panel, #bwWrapper .res-panel {
        width: 100% !important;
        max-width: 100% !important;
        margin: 0 0 20px 0 !important;
    }

    /* Fix Hero Alignment */
    #bwWrapper .hero {
        padding: 20px 10px !important;
        text-align: center !important;
    }
    #bwWrapper .hero h1 { font-size: 22px !important; }
    #bwWrapper .hero p, #bwWrapper .chips { display: none !important; }

    /* Center Result KPIs */
    #bwWrapper .kpis {
        display: grid !important;
        grid-template-columns: 1fr 1fr !important;
        gap: 8px !important;
    }
    #bwWrapper .kpi {
        padding: 10px 5px !important;
        text-align: center !important;
    }
    #bwWrapper .kval {
        font-size: 14px !important;
        word-break: break-all !important;
    }

    /* Fix Strategy Toggle Buttons */
    #bwWrapper .seg-toggle {
        display: flex !important;
        flex-direction: column !important;
        border: none !important;
    }
    #bwWrapper .seg-toggle label {
        width: 100% !important;
        border: 1px solid #ddd !important;
        margin-bottom: 5px !important;
        border-radius: 8px !important;
    }

    /* Fix Case Study Pills */
    #bwWrapper .bw-ex-params {
        display: grid !important;
        grid-template-columns: 1fr 1fr 1fr !important;
        gap: 4px !important;
    }
    #bwWrapper .bw-ex-param {
        min-width: 0 !important;
        padding: 5px !important;
    }
    #bwWrapper .bw-ex-param-val { font-size: 10px !important; }
}

/* 5. FIX HORIZONTAL BLEED */
*, *:before, *:after {
    max-width: 100% !important;
}