:root {
      /* Refined Corporate Palette */
      --brand-dark: #0B1121;
      --brand-navy: #152238;
      --brand-accent: #2563EB;
      --brand-accent-hover: #1D4ED8;
      --brand-teal: #0D9488;
      --brand-teal-dark: #0F766E;
      --brand-red: #E11D48;

      --text-main: #1F2937;
      --text-muted: #6B7280;
      --bg-main: #F3F4F6;
      --bg-panel: #FFFFFF;
      --border-color: #E5E7EB;

      --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
      --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
      --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    }

    * { box-sizing: border-box; margin: 0; padding: 0; }
    html, body { overflow-x: hidden; background: var(--bg-main); color: var(--text-main); font-family: 'Inter', sans-serif; line-height: 1.6; -webkit-font-smoothing: antialiased; }

    .calc-wrap { max-width: 1280px; margin: 40px auto; padding: 0 16px; }
    .calc-shell { background: var(--bg-panel); border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-lg); border: 1px solid var(--border-color); }

    /* ==========================================================================
       REDESIGNED PREMIUM HEADER
       ========================================================================== */
    .header-premium {
      background: var(--brand-dark);
      position: relative;
      padding: 48px 40px;
      overflow: hidden;
      color: #fff;
    }
    /* Grid Pattern Overlay */
    .header-premium::before {
      content: ''; position: absolute; inset: 0; opacity: 0.15;
      background-image: linear-gradient(rgba(255,255,255,0.2) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.2) 1px, transparent 1px);
      background-size: 24px 24px; z-index: 1;
    }
    /* Glowing Orbs for Depth */
    .header-glow-1 { position: absolute; top: -100px; right: -100px; width: 400px; height: 400px; background: radial-gradient(circle, var(--brand-accent) 0%, transparent 70%); opacity: 0.25; filter: blur(50px); z-index: 1; }
    .header-glow-2 { position: absolute; bottom: -100px; left: -50px; width: 300px; height: 300px; background: radial-gradient(circle, var(--brand-teal) 0%, transparent 70%); opacity: 0.2; filter: blur(40px); z-index: 1; }

    .header-content { position: relative; z-index: 2; max-width: 850px; }
    .header-badge {
      display: inline-flex; align-items: center; gap: 8px; background: rgba(37, 99, 235, 0.2); border: 1px solid rgba(37, 99, 235, 0.4); color: #60A5FA;
      padding: 6px 14px; border-radius: 999px; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px;
    }
    .header-badge::before { content: ''; width: 8px; height: 8px; background: #60A5FA; border-radius: 50%; box-shadow: 0 0 8px #60A5FA; }
    .header-premium h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(32px, 5vw, 46px); line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 16px; color: #F9FAFB; }
    .header-premium p { font-size: 16px; color: #9CA3AF; max-width: 700px; font-weight: 400; line-height: 1.6; }

    /* ==========================================================================
       CALCULATOR BODY & PANELS
       ========================================================================== */
    .calc-body { display: grid; grid-template-columns: minmax(420px, 540px) 1fr; min-width: 0; }
    .panel { padding: 32px; min-width: 0; }
    .panel-inputs { border-right: 1px solid var(--border-color); background: #ffffff; }
    .panel-results { background: #F9FAFB; }

    .sec-title { margin-bottom: 24px; display: flex; justify-content: space-between; align-items: center; }
    .sec-title h2 { font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: 20px; color: var(--brand-navy); }
    .help-badge { font-size: 12px; font-weight: 700; color: var(--brand-accent); background: #EFF6FF; padding: 6px 12px; border-radius: 8px; }

    /* Tabs */
    .mode-tabs { display: flex; gap: 8px; background: #F3F4F6; border: 1px solid var(--border-color); padding: 6px; border-radius: 12px; margin-bottom: 28px; }
    .mode-btn { flex: 1; border: none; background: transparent; border-radius: 8px; padding: 12px 10px; font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 12.5px; color: var(--text-muted); cursor: pointer; transition: all 0.2s ease; }
    .mode-btn:hover { color: var(--text-main); }
    .mode-btn.active { background: #fff; color: var(--brand-accent); box-shadow: var(--shadow-sm); }

    /* Form Elements */
    .field { margin-bottom: 20px; }
    label { display: block; font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 13px; color: var(--brand-navy); margin-bottom: 8px; }
    .row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

    .input-wrap { position: relative; display: flex; align-items: center; }
    .prefix, .suffix { position: absolute; z-index: 2; font-size: 14px; font-weight: 600; color: var(--text-muted); pointer-events: none; }
    .prefix { left: 16px; } .suffix { right: 16px; }
    .has-prefix input { padding-left: 34px; } .has-suffix input { padding-right: 36px; }

    input, select { width: 100%; padding: 14px 16px; border: 1.5px solid var(--border-color); border-radius: 10px; font-family: 'Inter', sans-serif; font-size: 15px; font-weight: 500; background: #fff; color: var(--text-main); outline: none; transition: all 0.2s ease; -webkit-appearance: none; box-shadow: var(--shadow-sm); }
    input:focus, select:focus { border-color: var(--brand-accent); box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.1); }
    select { cursor: pointer; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%236B7280'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'/%3E%3C/svg%3E") no-repeat right 14px center/16px; padding-right: 40px; }

    .note { font-size: 12.5px; color: var(--text-muted); line-height: 1.5; margin-top: 8px; }

    .box { background: #F9FAFB; border: 1px solid var(--border-color); border-radius: 12px; padding: 20px; margin: 24px 0; }
    .box h3 { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 14px; color: var(--brand-navy); margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.05em; border-bottom: 1px solid var(--border-color); padding-bottom: 10px; }

    /* Buttons */
    .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--border-color); }
    .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border: none; border-radius: 10px; padding: 14px 20px; font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 13.5px; cursor: pointer; transition: all 0.2s ease; }
    .btn-primary { background: var(--brand-accent); color: #fff; flex: 1; min-width: 200px; box-shadow: 0 4px 12px rgba(37, 99, 235, 0.2); }
    .btn-primary:hover { background: var(--brand-accent-hover); transform: translateY(-1px); box-shadow: 0 6px 16px rgba(37, 99, 235, 0.3); }
    .btn-secondary { background: var(--brand-navy); color: #fff; }
    .btn-secondary:hover { background: #0B1B3D; }
    .btn-wa { background: var(--brand-teal); color: #fff; }
    .btn-wa:hover { background: var(--brand-teal-dark); }
    .btn-ghost { background: #fff; color: var(--brand-navy); border: 1.5px solid var(--border-color); }
    .btn-ghost:hover { border-color: var(--brand-navy); }
    .hidden { display: none !important; }

    /* ==========================================================================
       RESULTS PANEL
       ========================================================================== */
    .results-top { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-bottom: 24px; }
    .kpi { background: #fff; border: 1px solid var(--border-color); border-radius: 14px; padding: 20px; box-shadow: var(--shadow-sm); }
    .kpi.featured { background: var(--brand-navy); border-color: var(--brand-navy); color: #fff; grid-column: span 2; }
    .k-label { font-size: 12px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; font-family: 'Montserrat', sans-serif; }
    .featured .k-label { color: #9CA3AF; }
    .k-value { display: block; margin-top: 8px; font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4vw, 36px); color: var(--brand-navy); line-height: 1.1; }
    .featured .k-value { color: #fff; }
    .k-sub { display: block; margin-top: 8px; font-size: 12.5px; color: var(--text-muted); }
    .featured .k-sub { color: #D1D5DB; }

    .alert { border-radius: 12px; padding: 16px 20px; margin-bottom: 24px; font-size: 14px; font-weight: 500; display: flex; gap: 12px; align-items: flex-start; }
    .alert-icon { font-size: 18px; line-height: 1; }
    .alert.info { background: #EFF6FF; border: 1px solid #BFDBFE; color: #1E3A8A; }
    .alert.warn { background: #FFFBEB; border: 1px solid #FEF08A; color: #92400E; }
    .alert.good { background: #F0FDF4; border: 1px solid #BBF7D0; color: #166534; }

    .card { background: #fff; border: 1px solid var(--border-color); border-radius: 16px; padding: 24px; margin-bottom: 20px; box-shadow: var(--shadow-sm); }
    .card h3 { font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: 16px; color: var(--brand-navy); margin-bottom: 16px; }

    .table-wrap { overflow-x: auto; border-radius: 12px; border: 1px solid var(--border-color); }
    table { width: 100%; border-collapse: collapse; min-width: 600px; background: #fff; }
    th, td { padding: 14px 16px; border-bottom: 1px solid var(--border-color); text-align: left; font-size: 14px; }
    th { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); background: #F9FAFB; }
    tr:last-child td { border-bottom: none; }
    .val-col { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; color: var(--brand-navy); }

    canvas { max-height: 320px; width: 100%; }

    .ad-slot { margin-top: 24px; background: #fff; border: 1px dashed #D1D5DB; border-radius: 16px; padding: 20px; text-align: center; color: var(--text-muted); font-size: 13px; font-weight: 500; }

    /* Responsive */
    @media (max-width: 1024px) { .calc-body { grid-template-columns: 1fr; } .panel-inputs { border-right: none; border-bottom: 1px solid var(--border-color); } }
    @media (max-width: 768px) { .calc-wrap { padding: 0 12px; margin-top: 20px; } .header-premium { padding: 32px 20px; } .panel { padding: 20px 16px; } .row2 { grid-template-columns: 1fr; } .results-top { grid-template-columns: 1fr; } .kpi.featured { grid-column: span 1; } .actions { flex-direction: column; } .btn { width: 100%; } .mode-tabs { flex-wrap: wrap; } .mode-btn { min-width: 48%; } }
    /* ── Section Container ── */
.hiw-section{background:var(--bg-main);padding:48px 0 56px}
.hiw-wrap{max-width:1280px;margin:0 auto;padding:0 16px}

/* ── Section Header ── */
.hiw-header{background:var(--brand-dark);border-radius:20px;padding:44px 40px;display:flex;align-items:flex-start;justify-content:space-between;gap:32px;flex-wrap:wrap;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.hiw-header::before{content:'';position:absolute;inset:0;opacity:.12;background-image:linear-gradient(rgba(255,255,255,.2) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.2) 1px,transparent 1px);background-size:24px 24px;z-index:1}
.hiw-header-content{position:relative;z-index:2;flex:1;min-width:280px}
.hiw-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(37,99,235,.2);border:1px solid rgba(37,99,235,.4);color:#60A5FA;padding:6px 14px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.hiw-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(26px,4vw,38px);line-height:1.1;letter-spacing:-.02em;margin-bottom:14px;color:#F9FAFB}
.hiw-header p{font-size:15px;color:#9CA3AF;max-width:640px;line-height:1.65}

.hiw-header-stats{position:relative;z-index:2;display:flex;gap:20px;flex-shrink:0}
.hiw-stat{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:20px 22px;text-align:center;min-width:110px}
.hiw-stat-num{display:block;font-family:'Montserrat',sans-serif;font-weight:900;font-size:28px;color:#fff;line-height:1.1}
.hiw-stat-label{display:block;margin-top:6px;font-size:11px;color:#9CA3AF;line-height:1.35}

/* ── Content Cards ── */
.hiw-content-card{background:#fff;border:1px solid var(--border-color);border-radius:16px;padding:32px;margin-top:20px;box-shadow:var(--shadow-sm);position:relative}
.hiw-card-flag{position:absolute;top:0;left:28px;background:var(--brand-accent);color:#fff;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;padding:6px 14px;border-radius:0 0 8px 8px}
.hiw-flag-red{background:var(--brand-red)}
.hiw-content-card h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:20px;color:var(--brand-navy);margin:16px 0 12px;line-height:1.25}
.hiw-content-card>p{font-size:14.5px;color:var(--text-muted);line-height:1.7;margin-bottom:14px;max-width:900px}

/* ── Highlight Boxes ── */
.hiw-highlight-box{display:flex;gap:14px;align-items:flex-start;background:#EFF6FF;border:1px solid #BFDBFE;border-radius:12px;padding:18px 20px;margin-top:16px;font-size:14px;color:#1E3A5F;line-height:1.6}
.hiw-highlight-red{background:#FFF1F2;border-color:#FECDD3;color:#881337}
.hiw-highlight-icon{font-size:22px;flex-shrink:0;margin-top:2px}

/* ── 3-Column Feature Grid ── */
.hiw-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:16px}
.hiw-feature-card{background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;padding:22px 20px}
.hiw-feature-icon{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.hiw-icon-blue{background:#EFF6FF}
.hiw-icon-teal{background:#F0FDFA}
.hiw-icon-navy{background:#F1F5F9}
.hiw-feature-card h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--brand-navy);margin-bottom:8px}
.hiw-feature-card p{font-size:13px;color:var(--text-muted);line-height:1.6}

/* ── Exclusions Grid ── */
.hiw-excl-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.hiw-excl-item{display:flex;gap:12px;align-items:flex-start;background:#FFF7F7;border:1px solid #FEE2E2;border-radius:10px;padding:16px}
.hiw-excl-x{width:28px;height:28px;border-radius:50%;background:var(--brand-red);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;font-size:14px;flex-shrink:0;margin-top:2px}
.hiw-excl-item strong{display:block;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:#991B1B;margin-bottom:4px}
.hiw-excl-item p{font-size:12.5px;color:#6B7280;line-height:1.55;margin:0}

/* ── Steps ── */
.hiw-steps{margin-top:20px;display:flex;flex-direction:column;gap:0;position:relative}
.hiw-steps::before{content:'';position:absolute;left:23px;top:24px;bottom:24px;width:2px;background:linear-gradient(180deg,var(--brand-accent),var(--brand-teal));border-radius:999px;z-index:0}
.hiw-step{display:flex;gap:20px;align-items:flex-start;padding:18px 0;position:relative;z-index:1}
.hiw-step-num{width:48px;height:48px;border-radius:50%;background:var(--brand-navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:900;font-size:18px;flex-shrink:0;box-shadow:0 4px 12px rgba(21,34,56,.25)}
.hiw-step-body{flex:1}
.hiw-step-body h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;color:var(--brand-navy);margin-bottom:6px}
.hiw-step-body p{font-size:13.5px;color:var(--text-muted);line-height:1.65}

/* ── Comparison Table ── */
.hiw-compare-table{overflow-x:auto;margin-top:16px;border-radius:12px;border:1px solid var(--border-color)}
.hiw-compare-table table{width:100%;border-collapse:collapse;font-size:13.5px}
.hiw-compare-table thead{background:var(--brand-navy);color:#fff}
.hiw-compare-table th{padding:14px 18px;text-align:left;font-family:'Montserrat',sans-serif;font-weight:700;font-size:12.5px;text-transform:uppercase;letter-spacing:.05em}
.hiw-compare-table td{padding:12px 18px;border-bottom:1px solid var(--border-color);color:var(--text-main)}
.hiw-compare-table tbody tr:nth-child(even){background:#F9FAFB}
.hiw-compare-table tbody tr:last-child td{border-bottom:0}
.hiw-row-highlight{background:#FFF7E8!important}
.hiw-row-highlight td{font-weight:700;color:var(--brand-navy)}

/* ── Period Cards ── */
.hiw-period-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px}
.hiw-period-card{background:#F9FAFB;border:1.5px solid var(--border-color);border-radius:12px;padding:22px 18px;text-align:center;position:relative}
.hiw-period-recommended{border-color:var(--brand-accent);background:#EFF6FF;box-shadow:0 0 0 3px rgba(37,99,235,.1)}
.hiw-period-tag{position:absolute;top:-10px;left:50%;transform:translateX(-50%);background:var(--brand-accent);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;padding:3px 12px;border-radius:999px;white-space:nowrap}
.hiw-period-months{font-family:'Montserrat',sans-serif;font-weight:900;font-size:28px;color:var(--brand-navy);margin-bottom:6px}
.hiw-period-card h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;color:var(--brand-navy);margin-bottom:8px}
.hiw-period-card p{font-size:12.5px;color:var(--text-muted);line-height:1.55}

/* ── Formula Box ── */
.hiw-formula-box{background:var(--brand-dark);border-radius:12px;padding:24px;text-align:center;margin:18px 0}
.hiw-formula-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:#9CA3AF;margin-bottom:10px}
.hiw-formula{font-family:'Montserrat',sans-serif;font-weight:800;font-size:clamp(15px,2.5vw,20px);color:#fff;letter-spacing:.02em}

/* ── Example Cards (Good vs Bad) ── */
.hiw-example-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}
.hiw-example-card{border-radius:12px;padding:22px 20px}
.hiw-example-bad{background:#FFF1F2;border:1.5px solid #FECDD3}
.hiw-example-good{background:#ECFDF5;border:1.5px solid #A7F3D0}
.hiw-example-card h4{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;margin-bottom:14px}
.hiw-example-bad h4{color:#881337}
.hiw-example-good h4{color:#064E3B}
.hiw-example-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;font-size:13.5px;color:var(--text-main)}
.hiw-example-row span{color:var(--text-muted)}
.hiw-example-divider{border-top:1.5px dashed #D1D5DB;margin:8px 0}
.hiw-result-row{padding-top:8px}
.hiw-bad-value{color:var(--brand-red);font-size:16px}
.hiw-good-value{color:#059669;font-size:16px}

/* ── Pro Tips ── */
.hiw-tips-grid{display:flex;flex-direction:column;gap:14px;margin-top:16px}
.hiw-tip{display:flex;gap:18px;align-items:flex-start;padding:20px;background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;transition:all .2s ease}
.hiw-tip:hover{border-color:var(--brand-accent);box-shadow:0 4px 16px rgba(37,99,235,.08)}
.hiw-tip-num{font-family:'Montserrat',sans-serif;font-weight:900;font-size:24px;color:var(--brand-accent);opacity:.5;flex-shrink:0;width:40px;line-height:1}
.hiw-tip h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--brand-navy);margin-bottom:4px}
.hiw-tip p{font-size:13px;color:var(--text-muted);line-height:1.6;margin:0}

/* ═══════════ RESPONSIVE — 900px breakpoint ═══════════ */
@media(max-width:900px){
  .hiw-header{padding:32px 24px;gap:24px}
  .hiw-header h2{font-size:26px}
  .hiw-header-stats{width:100%;gap:12px}
  .hiw-stat{flex:1;min-width:0;padding:14px 12px}
  .hiw-stat-num{font-size:22px}
  .hiw-content-card{padding:24px 20px}
  .hiw-grid-3{grid-template-columns:1fr}
  .hiw-excl-grid{grid-template-columns:1fr}
  .hiw-period-grid{grid-template-columns:repeat(2,1fr);gap:12px}
  .hiw-example-grid{grid-template-columns:1fr}
  .hiw-compare-table{font-size:12.5px}
  .hiw-compare-table th,.hiw-compare-table td{padding:10px 12px}
  .hiw-steps::before{left:19px}
  .hiw-step-num{width:40px;height:40px;font-size:15px}
  .hiw-step{gap:14px}
  .hiw-tip{padding:16px;gap:14px}
  .hiw-tip-num{font-size:20px;width:32px}
}
@media(max-width:540px){
  .hiw-header{padding:24px 18px}
  .hiw-header h2{font-size:22px}
  .hiw-header-stats{flex-direction:column;gap:10px}
  .hiw-stat{flex:auto}
  .hiw-content-card{padding:20px 16px;margin-top:14px}
  .hiw-content-card h3{font-size:17px}
  .hiw-period-grid{grid-template-columns:1fr}
  .hiw-formula{font-size:14px}
  .hiw-step-body h4{font-size:14px}
  .hiw-step-body p{font-size:12.5px}
}
/* ── Section ── */
.ind-section{background:var(--bg-main);padding:0 0 56px}
.ind-wrap{max-width:1280px;margin:0 auto;padding:0 16px}

/* ── Section Header ── */
.ind-header{background:var(--brand-dark);border-radius:20px;padding:44px 40px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.ind-header::before{content:'';position:absolute;inset:0;opacity:.12;background-image:linear-gradient(rgba(255,255,255,.2) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.2) 1px,transparent 1px);background-size:24px 24px;z-index:1}
.ind-header-content{position:relative;z-index:2}
.ind-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(13,148,136,.2);border:1px solid rgba(13,148,136,.4);color:#5EEAD4;padding:6px 14px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.ind-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(26px,4vw,38px);line-height:1.1;letter-spacing:-.02em;margin-bottom:14px;color:#F9FAFB}
.ind-header p{font-size:15px;color:#9CA3AF;max-width:780px;line-height:1.65}

/* ── Filter Bar ── */
.ind-filter-bar{display:flex;flex-wrap:wrap;gap:8px;padding:20px 0 6px}
.ind-filter-btn{display:inline-flex;align-items:center;gap:5px;padding:8px 14px;border-radius:999px;border:1.5px solid var(--border-color);background:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--text-muted);cursor:pointer;transition:all .2s ease}
.ind-filter-btn:hover{border-color:var(--brand-accent);color:var(--brand-accent);background:#EFF6FF}
.ind-filter-active{background:var(--brand-navy)!important;color:#fff!important;border-color:var(--brand-navy)!important}

/* ── Scenario Cards ── */
.ind-scenarios{display:flex;flex-direction:column;gap:20px;margin-top:16px}
.ind-card{background:#fff;border:1px solid var(--border-color);border-radius:16px;overflow:hidden;box-shadow:var(--shadow-sm);transition:box-shadow .2s ease}
.ind-card:hover{box-shadow:var(--shadow-md)}

/* Card Top (colored banner) */
.ind-card-top{padding:24px 28px;position:relative;overflow:hidden}
.ind-card-top::before{content:'';position:absolute;inset:0;opacity:.08;background-image:linear-gradient(rgba(255,255,255,.3) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.3) 1px,transparent 1px);background-size:20px 20px}
.ind-card-industry{display:inline-block;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;position:relative;z-index:1}
.ind-card-top h3{font-family:'Montserrat',sans-serif;font-weight:900;font-size:20px;line-height:1.2;position:relative;z-index:1}

/* Industry color variants */
.ind-top-food{background:linear-gradient(135deg,#7C2D12,#9A3412);color:#FED7AA}
.ind-top-food h3{color:#FFF7ED}
.ind-top-mfg{background:linear-gradient(135deg,#1E3A5F,#1E40AF);color:#BFDBFE}
.ind-top-mfg h3{color:#EFF6FF}
.ind-top-retail{background:linear-gradient(135deg,#065F46,#047857);color:#A7F3D0}
.ind-top-retail h3{color:#ECFDF5}
.ind-top-tech{background:linear-gradient(135deg,#312E81,#4338CA);color:#C7D2FE}
.ind-top-tech h3{color:#EEF2FF}
.ind-top-health{background:linear-gradient(135deg,#831843,#BE185D);color:#FBCFE8}
.ind-top-health h3{color:#FDF2F8}
.ind-top-construct{background:linear-gradient(135deg,#78350F,#A16207);color:#FDE68A}
.ind-top-construct h3{color:#FFFBEB}
.ind-top-prof{background:linear-gradient(135deg,var(--brand-dark),var(--brand-navy));color:#94A3B8}
.ind-top-prof h3{color:#F1F5F9}
.ind-top-rental{background:linear-gradient(135deg,#0F766E,#0D9488);color:#99F6E4}
.ind-top-rental h3{color:#F0FDFA}

/* Card Body */
.ind-card-body{padding:24px 28px}

/* Scenario Box */
.ind-scenario-box{background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;padding:18px 20px;margin-bottom:20px}
.ind-scenario-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--brand-accent);margin-bottom:8px}
.ind-scenario-box p{font-size:14px;color:var(--text-main);line-height:1.65;margin:0}

/* Metrics Row */
.ind-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:20px}
.ind-metric{background:#F9FAFB;border:1px solid var(--border-color);border-radius:10px;padding:14px 16px;text-align:center}
.ind-metric-label{display:block;font-size:11px;font-weight:700;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;font-family:'Montserrat',sans-serif;margin-bottom:4px}
.ind-metric-value{display:block;font-family:'Montserrat',sans-serif;font-weight:900;font-size:18px;color:var(--brand-navy)}
.ind-value-accent{color:var(--brand-accent)!important;font-size:20px!important}

/* Breakdown */
.ind-breakdown{margin-bottom:20px}
.ind-breakdown h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:var(--brand-navy);margin-bottom:10px;padding-bottom:8px;border-bottom:1px solid var(--border-color)}
.ind-break-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;font-size:13.5px;border-bottom:1px solid #F3F4F6}
.ind-break-row span{color:var(--text-muted);flex:1;padding-right:16px}
.ind-break-row strong{color:var(--brand-navy);white-space:nowrap;font-family:'Montserrat',sans-serif;font-weight:700}
.ind-break-row:last-child{border-bottom:0}

/* Lessons */
.ind-lessons{background:#FFFBEB;border:1px solid #FDE68A;border-radius:12px;padding:18px 20px;margin-bottom:16px}
.ind-lessons h4{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:#92400E;margin-bottom:10px}
.ind-lessons ul{margin:0;padding:0 0 0 18px;font-size:13px;color:#78350F;line-height:1.6}
.ind-lessons li{margin-bottom:6px}
.ind-lessons li:last-child{margin-bottom:0}
.ind-lessons strong{color:#451A03}

/* Recommendation Bar */
.ind-rec{background:var(--brand-dark);border-radius:10px;padding:16px 20px}
.ind-rec-label{display:block;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:#60A5FA;margin-bottom:6px}
.ind-rec p{margin:0;font-size:13.5px;color:#D1D5DB;line-height:1.5}
.ind-rec strong{color:#fff}

/* ── Reference Table ── */
.ind-ref-card{background:#fff;border:1px solid var(--border-color);border-radius:16px;padding:28px;margin-top:24px;box-shadow:var(--shadow-sm)}
.ind-ref-card h3{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:800;color:var(--brand-navy);margin-bottom:16px}
.ind-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border-color)}
.ind-table{width:100%;border-collapse:collapse;font-size:13px}
.ind-table thead{background:var(--brand-navy);color:#fff}
.ind-table th{padding:12px 14px;text-align:left;font-family:'Montserrat',sans-serif;font-weight:700;font-size:11.5px;text-transform:uppercase;letter-spacing:.04em;white-space:nowrap}
.ind-table td{padding:11px 14px;border-bottom:1px solid var(--border-color);color:var(--text-main)}
.ind-table tbody tr:nth-child(even){background:#F9FAFB}
.ind-table tbody tr:last-child td{border-bottom:0}
.ind-table td strong{color:var(--brand-navy)}

/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:900px){
  .ind-header{padding:32px 24px}
  .ind-header h2{font-size:26px}
  .ind-card-top{padding:20px 22px}
  .ind-card-top h3{font-size:17px}
  .ind-card-body{padding:20px 22px}
  .ind-metrics{grid-template-columns:repeat(2,1fr)}
  .ind-filter-btn{padding:6px 10px;font-size:11px}
  .ind-ref-card{padding:20px}
}
@media(max-width:540px){
  .ind-header{padding:24px 18px}
  .ind-header h2{font-size:22px}
  .ind-card-top{padding:18px}
  .ind-card-top h3{font-size:16px}
  .ind-card-body{padding:16px 18px}
  .ind-metrics{grid-template-columns:1fr 1fr}
  .ind-metric{padding:10px 12px}
  .ind-metric-value{font-size:15px}
  .ind-value-accent{font-size:17px!important}
  .ind-break-row{flex-direction:column;align-items:flex-start;gap:2px}
  .ind-break-row span{padding-right:0}
  .ind-filter-btn{font-size:10px;padding:5px 8px}
  .ind-ref-card{padding:16px}
  .ind-table{font-size:11.5px}
  .ind-table th,.ind-table td{padding:8px 10px}
}
/* ── Section ── */
.ptip-section{background:var(--bg-main);padding:0 0 56px}
.ptip-wrap{max-width:1280px;margin:0 auto;padding:0 16px}

/* ── Header ── */
.ptip-header{background:var(--brand-dark);border-radius:20px;padding:44px 40px 36px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.ptip-header::before{content:'';position:absolute;inset:0;opacity:.1;background-image:radial-gradient(circle at 20% 50%,rgba(37,99,235,.35) 0%,transparent 50%),radial-gradient(circle at 80% 50%,rgba(234,179,8,.2) 0%,transparent 50%);z-index:1}
.ptip-header-inner{position:relative;z-index:2}
.ptip-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(234,179,8,.15);border:1px solid rgba(234,179,8,.35);color:#FDE68A;padding:6px 14px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.ptip-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,3.8vw,36px);line-height:1.15;letter-spacing:-.02em;margin-bottom:14px;color:#F9FAFB;max-width:800px}
.ptip-header p{font-size:15px;color:#9CA3AF;max-width:740px;line-height:1.65}

.ptip-trust-row{display:flex;gap:20px;margin-top:24px;position:relative;z-index:2;flex-wrap:wrap}
.ptip-trust{display:flex;align-items:center;gap:8px;font-size:12px;color:#94A3B8;font-weight:600}
.ptip-trust i{font-size:14px;color:#60A5FA}

/* ── Tip Cards ── */
.ptip-card{display:flex;gap:0;background:#fff;border:1px solid var(--border-color);border-radius:16px;overflow:hidden;margin-top:20px;box-shadow:var(--shadow-sm);transition:box-shadow .2s ease}
.ptip-card:hover{box-shadow:var(--shadow-md)}

/* Left Rail */
.ptip-card-left{width:120px;min-width:120px;background:#F9FAFB;border-right:1px solid var(--border-color);display:flex;flex-direction:column;align-items:center;padding:28px 16px;gap:20px}
.ptip-num-ring{width:64px;height:64px;border-radius:50%;background:var(--brand-navy);display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(21,34,56,.25)}
.ptip-num{font-family:'Montserrat',sans-serif;font-weight:900;font-size:22px;color:#fff}

/* Difficulty Meter */
.ptip-difficulty{width:100%;text-align:center}
.ptip-diff-label{display:block;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--text-muted);margin-bottom:6px;font-family:'Montserrat',sans-serif}
.ptip-diff-bar{width:100%;height:6px;background:#E5E7EB;border-radius:999px;overflow:hidden;margin-bottom:6px}
.ptip-diff-fill{height:100%;border-radius:999px;transition:width .6s ease}
.ptip-fill-critical{background:linear-gradient(90deg,#DC2626,#B91C1C)}
.ptip-fill-high{background:linear-gradient(90deg,#D97706,#B45309)}
.ptip-diff-tag{display:inline-block;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;padding:2px 8px;border-radius:999px}
.ptip-tag-critical{background:#FEE2E2;color:#991B1B}
.ptip-tag-high{background:#FEF3C7;color:#92400E}

/* Right Content */
.ptip-card-right{flex:1;padding:28px 32px}
.ptip-tag-row{margin-bottom:10px}
.ptip-cat-tag{display:inline-flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--brand-accent);background:#EFF6FF;padding:4px 12px;border-radius:999px}
.ptip-cat-tag i{font-size:10px}
.ptip-card-right h3{font-family:'Montserrat',sans-serif;font-weight:900;font-size:19px;color:var(--brand-navy);line-height:1.25;margin-bottom:10px}
.ptip-intro{font-size:14.5px;color:var(--text-muted);line-height:1.65;margin-bottom:18px;max-width:820px}

/* Do / Don't Split */
.ptip-split{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:18px}
.ptip-do,.ptip-dont{border-radius:12px;padding:18px 20px}
.ptip-do{background:#ECFDF5;border:1px solid #A7F3D0}
.ptip-dont{background:#FFF1F2;border:1px solid #FECDD3}
.ptip-do h4,.ptip-dont h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.ptip-do h4{color:#065F46}
.ptip-do h4 i{color:#059669}
.ptip-dont h4{color:#881337}
.ptip-dont h4 i{color:#E11D48}
.ptip-do ul,.ptip-dont ul{margin:0;padding:0 0 0 16px;font-size:13px;line-height:1.6}
.ptip-do li{color:#064E3B;margin-bottom:5px}
.ptip-dont li{color:#4C0519;margin-bottom:5px}
.ptip-do li:last-child,.ptip-dont li:last-child{margin-bottom:0}
.ptip-do strong{color:#022C22}
.ptip-dont strong{color:#2D0011}

/* Real-World Example Bar */
.ptip-real-example{display:flex;gap:14px;align-items:flex-start;background:#F0F9FF;border:1px solid #BAE6FD;border-radius:12px;padding:16px 20px;font-size:13.5px;color:#0C4A6E;line-height:1.6}
.ptip-example-icon{font-size:20px;flex-shrink:0;margin-top:2px;color:#0284C7}
.ptip-real-example strong{color:#082F49}

/* Timeline Visual (Tip 2) */
.ptip-timeline{background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;padding:20px;margin-top:4px}
.ptip-tl-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--brand-navy);margin-bottom:12px}
.ptip-tl-bar{display:flex;height:54px;border-radius:8px;overflow:hidden;gap:2px}
.ptip-tl-seg{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:4px 6px;min-width:0}
.ptip-tl-seg-label{font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;color:#fff;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:100%;text-align:center}
.ptip-tl-seg-time{font-size:10px;font-weight:800;color:rgba(255,255,255,.8);margin-top:2px}
.ptip-seg-1{background:#6B7280}
.ptip-seg-2{background:#3B82F6}
.ptip-seg-3{background:var(--brand-navy)}
.ptip-seg-4{background:#0D9488}
.ptip-seg-5{background:#D97706}
.ptip-tl-footer{display:flex;justify-content:space-between;align-items:center;margin-top:10px;flex-wrap:wrap;gap:8px}
.ptip-tl-total{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--brand-navy)}
.ptip-tl-note{font-size:12px;color:#DC2626;font-weight:600}

/* Checklist (Tip 3) */
.ptip-checklist{background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;overflow:hidden}
.ptip-checklist-header{padding:14px 20px;background:var(--brand-navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:13px;display:flex;align-items:center;gap:8px}
.ptip-checklist-header i{font-size:15px}
.ptip-checklist-grid{display:grid;grid-template-columns:1fr 1fr;padding:16px 20px;gap:10px}
.ptip-check-item{display:flex;align-items:flex-start;gap:8px;font-size:13px;color:var(--text-main);line-height:1.5}
.ptip-check-item i{color:var(--brand-accent);margin-top:3px;flex-shrink:0}

/* Gap Visual (Tip 4) */
.ptip-gap-visual{background:#F9FAFB;border:1px solid var(--border-color);border-radius:12px;padding:20px}
.ptip-gap-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--brand-navy);margin-bottom:14px}
.ptip-gap-bars{display:flex;flex-direction:column;gap:8px}
.ptip-gap-row{display:flex;align-items:center;gap:12px}
.ptip-gap-year{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--text-muted);width:48px;flex-shrink:0}
.ptip-gap-track{flex:1;height:28px;background:#FEE2E2;border-radius:6px;overflow:hidden;position:relative}
.ptip-gap-covered{height:100%;background:linear-gradient(90deg,#059669,#10B981);border-radius:6px;display:flex;align-items:center;justify-content:center;transition:width .5s ease}
.ptip-gap-covered span{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:#fff;white-space:nowrap}
.ptip-gap-pct{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;width:56px;text-align:right;flex-shrink:0}
.ptip-pct-good{color:#059669}
.ptip-pct-warn{color:#D97706}
.ptip-pct-bad{color:#DC2626}
.ptip-gap-note{margin-top:12px;font-size:12.5px;color:#DC2626;font-weight:600;line-height:1.5}

/* Comparison Strip (Tip 5) */
.ptip-comparison-strip{display:flex;align-items:stretch;gap:0;border-radius:12px;overflow:hidden;border:1px solid var(--border-color)}
.ptip-comp-box{flex:1;padding:18px 20px}
.ptip-comp-without{background:#FFF1F2}
.ptip-comp-with{background:#ECFDF5}
.ptip-comp-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px}
.ptip-comp-without .ptip-comp-label{color:#881337}
.ptip-comp-with .ptip-comp-label{color:#065F46}
.ptip-comp-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;font-size:12.5px}
.ptip-comp-without .ptip-comp-row span{color:#9F1239}
.ptip-comp-without .ptip-comp-row strong{color:#881337;font-family:'Montserrat',sans-serif}
.ptip-comp-with .ptip-comp-row span{color:#047857}
.ptip-comp-with .ptip-comp-row strong{color:#065F46;font-family:'Montserrat',sans-serif}
.ptip-comp-vs{width:44px;min-width:44px;background:var(--brand-navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:900;letter-spacing:.05em}


/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:900px){
  .ptip-header{padding:32px 24px 28px}
  .ptip-header h2{font-size:26px}
  .ptip-card{flex-direction:column}
  .ptip-card-left{width:100%;min-width:0;flex-direction:row;padding:18px 22px;gap:16px;border-right:none;border-bottom:1px solid var(--border-color)}
  .ptip-num-ring{width:48px;height:48px}
  .ptip-num{font-size:18px}
  .ptip-difficulty{width:auto;text-align:left;flex:1}
  .ptip-diff-bar{max-width:140px}
  .ptip-card-right{padding:22px}
  .ptip-card-right h3{font-size:17px}
  .ptip-split{grid-template-columns:1fr}
  .ptip-checklist-grid{grid-template-columns:1fr}
  .ptip-comparison-strip{flex-direction:column}
  .ptip-comp-vs{width:100%;min-width:0;height:32px}
  .ptip-tl-seg-label{font-size:8px}
  .ptip-trust-row{gap:14px}
}
@media(max-width:540px){
  .ptip-header{padding:24px 18px 22px}
  .ptip-header h2{font-size:22px}
  .ptip-card-left{padding:14px 18px}
  .ptip-card-right{padding:18px}
  .ptip-card-right h3{font-size:15px}
  .ptip-intro{font-size:13px}
  .ptip-do,.ptip-dont{padding:14px 16px}
  .ptip-do ul,.ptip-dont ul{font-size:12.5px}
  .ptip-real-example{flex-direction:column;gap:8px;font-size:12.5px}
  .ptip-tl-bar{height:44px}
  .ptip-tl-seg-label{font-size:7px}
  .ptip-tl-seg-time{font-size:8px}
  .ptip-gap-row{flex-wrap:wrap}
  .ptip-gap-track{min-width:0}
  .ptip-gap-covered span{font-size:8px}
  .ptip-trust-row{flex-direction:column;gap:8px}
}
/* ── Section ── */
.bfaq-section{background:var(--bg-main);padding:0 0 56px}
.bfaq-wrap{max-width:1280px;margin:0 auto;padding:0 16px}

/* ── Header ── */
.bfaq-header{background:var(--brand-dark);border-radius:20px;padding:44px 40px 36px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.bfaq-header::before{content:'';position:absolute;inset:0;opacity:.1;background-image:radial-gradient(circle at 70% 30%,rgba(99,102,241,.3) 0%,transparent 50%),radial-gradient(circle at 30% 70%,rgba(14,165,233,.2) 0%,transparent 50%);z-index:1}
.bfaq-header-inner{position:relative;z-index:2;margin-bottom:24px}
.bfaq-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(99,102,241,.2);border:1px solid rgba(99,102,241,.4);color:#A5B4FC;padding:6px 14px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:16px}
.bfaq-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,3.8vw,36px);line-height:1.15;letter-spacing:-.02em;margin-bottom:14px;color:#F9FAFB}
.bfaq-header p{font-size:15px;color:#9CA3AF;max-width:680px;line-height:1.65}

/* Search Box */
.bfaq-search-wrap{position:relative;z-index:2}
.bfaq-search-box{display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:12px 18px;max-width:520px;transition:border-color .2s ease}
.bfaq-search-box:focus-within{border-color:rgba(99,102,241,.6);background:rgba(255,255,255,.12)}
.bfaq-search-box i{color:#6B7280;font-size:15px;flex-shrink:0}
.bfaq-search-box input{background:transparent;border:none;outline:none;font-size:14px;color:#E5E7EB;width:100%;font-family:'Inter',sans-serif}
.bfaq-search-box input::placeholder{color:#6B7280}
.bfaq-search-count{display:block;margin-top:10px;font-size:12px;color:#6B7280;font-weight:600;font-family:'Montserrat',sans-serif}

/* ── Category Filter Tabs ── */
.bfaq-tabs{display:flex;flex-wrap:wrap;gap:8px;padding:20px 0 4px}
.bfaq-tab{display:inline-flex;align-items:center;gap:5px;padding:8px 14px;border-radius:999px;border:1.5px solid var(--border-color);background:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--text-muted);cursor:pointer;transition:all .2s ease}
.bfaq-tab:hover{border-color:var(--brand-accent);color:var(--brand-accent);background:#EFF6FF}
.bfaq-tab-active{background:var(--brand-navy)!important;color:#fff!important;border-color:var(--brand-navy)!important}

/* ── FAQ Accordion ── */
.bfaq-list{display:flex;flex-direction:column;gap:10px;margin-top:16px}
.bfaq-item{background:#fff;border:1.5px solid var(--border-color);border-radius:14px;overflow:hidden;transition:border-color .2s ease,box-shadow .2s ease}
.bfaq-item:hover{border-color:#CBD5E1}
.bfaq-item.bfaq-open{border-color:var(--brand-accent);box-shadow:0 4px 20px rgba(37,99,235,.08)}

/* Question Button */
.bfaq-q{width:100%;display:flex;align-items:center;gap:12px;padding:18px 22px;text-align:left;cursor:pointer;background:transparent;border:none;font-family:'Inter',sans-serif}
.bfaq-q-tag{flex-shrink:0;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.07em;padding:4px 10px;border-radius:999px;white-space:nowrap}
.bfaq-tag-basics{background:#EFF6FF;color:#1D4ED8}
.bfaq-tag-coverage{background:#ECFDF5;color:#059669}
.bfaq-tag-excl{background:#FFF1F2;color:#BE123C}
.bfaq-tag-claims{background:#FEF3C7;color:#92400E}
.bfaq-tag-cost{background:#F5F3FF;color:#7C3AED}
.bfaq-tag-adv{background:#F1F5F9;color:#334155}
.bfaq-q-text{flex:1;font-weight:700;font-size:14.5px;color:var(--brand-navy);line-height:1.35}
.bfaq-chevron{font-size:13px;color:#94A3B8;transition:transform .25s ease;flex-shrink:0}
.bfaq-open .bfaq-chevron{transform:rotate(180deg);color:var(--brand-accent)}

/* Answer */
.bfaq-a{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.4,0,.2,1),padding .25s ease}
.bfaq-open .bfaq-a{max-height:2000px;padding:0 22px 20px 22px}
.bfaq-a p{font-size:14px;color:var(--text-muted);line-height:1.7;margin-bottom:10px;max-width:860px}
.bfaq-a p:last-child{margin-bottom:0}
.bfaq-a ul{margin:8px 0 10px 18px;padding:0;font-size:13.5px;color:var(--text-muted);line-height:1.65}
.bfaq-a li{margin-bottom:6px}
.bfaq-a li:last-child{margin-bottom:0}
.bfaq-a strong{color:var(--brand-navy)}

/* Hidden state for filter/search */
.bfaq-item.bfaq-hidden{display:none}

/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:900px){
  .bfaq-header{padding:32px 24px 28px}
  .bfaq-header h2{font-size:26px}
  .bfaq-q{padding:14px 18px;gap:10px}
  .bfaq-q-text{font-size:13.5px}
  .bfaq-open .bfaq-a{padding:0 18px 16px 18px}
  .bfaq-tab{font-size:11px;padding:6px 10px}
}
@media(max-width:540px){
  .bfaq-header{padding:24px 18px 22px}
  .bfaq-header h2{font-size:22px}
  .bfaq-q{padding:12px 14px;gap:8px;flex-wrap:wrap}
  .bfaq-q-tag{order:-1}
  .bfaq-q-text{font-size:13px;width:100%;order:1}
  .bfaq-chevron{position:absolute;right:14px;top:16px}
  .bfaq-q{position:relative;padding-right:36px}
  .bfaq-open .bfaq-a{padding:0 14px 14px 14px}
  .bfaq-a p{font-size:13px}
  .bfaq-tab{font-size:10px;padding:5px 8px}
  .bfaq-search-box{padding:10px 14px}
  .bfaq-search-box input{font-size:13px}
}
/* ── Section ── */
.rcalc-section{background:var(--bg-light,#F7F9FC);padding:56px 0}
.rcalc-wrap{max-width:1280px;margin:0 auto;padding:0 16px}

/* ── Header ── */
.rcalc-header{text-align:center;margin-bottom:28px}
.rcalc-badge{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#002868,#003580);color:#fff;padding:7px 16px;border-radius:999px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}
.rcalc-badge i{font-size:12px}
.rcalc-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,3.8vw,34px);color:var(--brand-navy,#002868);letter-spacing:-.02em;margin-bottom:12px;line-height:1.15}
.rcalc-header p{font-size:15px;color:var(--text-muted,#5F6368);max-width:700px;margin:0 auto;line-height:1.65}

/* ── Category Tabs ── */
.rcalc-tabs{display:flex;flex-wrap:wrap;justify-content:center;gap:8px;margin-bottom:24px}
.rcalc-tab{display:inline-flex;align-items:center;gap:5px;padding:9px 16px;border-radius:999px;border:1.5px solid var(--border-color,#E0E4E8);background:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--text-muted,#5F6368);cursor:pointer;transition:all .2s ease}
.rcalc-tab:hover{border-color:var(--brand-accent,#2563EB);color:var(--brand-accent,#2563EB);background:#EFF6FF}
.rcalc-tab-active{background:var(--brand-navy,#002868)!important;color:#fff!important;border-color:var(--brand-navy,#002868)!important}

/* ── Grid ── */
.rcalc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}

/* ── Card ── */
.rcalc-card{display:flex;align-items:flex-start;gap:16px;background:#fff;border:1.5px solid var(--border-color,#E0E4E8);border-radius:14px;padding:20px;text-decoration:none;transition:all .25s ease;position:relative;overflow:hidden}
.rcalc-card:hover{border-color:#CBD5E1;box-shadow:0 8px 28px rgba(0,40,104,.07);transform:translateY(-2px)}
.rcalc-card:hover .rcalc-card-arrow{color:var(--brand-accent,#2563EB);transform:translateX(3px)}

/* Card Icon */
.rcalc-card-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:18px}
.rcalc-icon-ins{background:linear-gradient(135deg,#DBEAFE,#EFF6FF);color:#1D4ED8}
.rcalc-icon-biz{background:linear-gradient(135deg,#D1FAE5,#ECFDF5);color:#059669}
.rcalc-icon-fin{background:linear-gradient(135deg,#EDE9FE,#F5F3FF);color:#7C3AED}

/* Card Body */
.rcalc-card-body{flex:1;min-width:0}
.rcalc-card-cat{display:inline-block;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted,#5F6368);margin-bottom:5px;opacity:.7}
.rcalc-card-body h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--brand-navy,#002868);line-height:1.3;margin-bottom:6px}
.rcalc-card-body p{font-size:12.5px;color:var(--text-muted,#5F6368);line-height:1.55;margin:0}

/* Card Arrow */
.rcalc-card-arrow{display:flex;align-items:center;justify-content:center;flex-shrink:0;width:28px;height:28px;color:#CBD5E1;font-size:13px;transition:all .25s ease;margin-top:8px}

/* ── Bottom CTA ── */
.rcalc-cta{margin-top:28px}
.rcalc-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;background:linear-gradient(135deg,#002868 0%,#00183F 100%);border-radius:16px;padding:24px 28px;position:relative;overflow:hidden}
.rcalc-cta-inner::before{content:'';position:absolute;top:-50%;right:-10%;width:300px;height:300px;background:radial-gradient(circle,rgba(99,102,241,.15) 0%,transparent 70%);border-radius:50%;pointer-events:none}
.rcalc-cta-left{display:flex;align-items:center;gap:16px;position:relative;z-index:1}
.rcalc-cta-left i{font-size:24px;color:#60A5FA;flex-shrink:0}
.rcalc-cta-left strong{display:block;font-family:'Montserrat',sans-serif;font-size:15px;color:#F9FAFB;font-weight:800}
.rcalc-cta-left span{display:block;font-size:13px;color:#9CA3AF;margin-top:2px}
.rcalc-cta-btn{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--brand-navy,#002868);font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;padding:12px 22px;border-radius:10px;text-decoration:none;white-space:nowrap;transition:all .2s ease;position:relative;z-index:1}
.rcalc-cta-btn:hover{background:#EFF6FF;transform:translateY(-1px);box-shadow:0 4px 16px rgba(0,0,0,.15)}
.rcalc-cta-btn i{font-size:12px;transition:transform .2s ease}
.rcalc-cta-btn:hover i{transform:translateX(3px)}

/* Hidden state */
.rcalc-card.rcalc-hidden{display:none}

/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:1080px){
  .rcalc-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .rcalc-section{padding:40px 0}
  .rcalc-grid{grid-template-columns:1fr}
  .rcalc-card{padding:16px}
  .rcalc-card-icon{width:40px;height:40px;font-size:16px;border-radius:10px}
  .rcalc-card-body h4{font-size:13.5px}
  .rcalc-card-body p{font-size:12px}
  .rcalc-tabs{gap:6px}
  .rcalc-tab{font-size:11px;padding:7px 12px}
  .rcalc-cta-inner{flex-direction:column;text-align:center;padding:20px}
  .rcalc-cta-left{flex-direction:column;text-align:center}
  .rcalc-cta-btn{width:100%;justify-content:center}
}
@media(max-width:540px){
  .rcalc-header h2{font-size:22px}
  .rcalc-card{gap:12px;padding:14px}
  .rcalc-card-icon{width:36px;height:36px;font-size:14px;border-radius:8px}
  .rcalc-card-body h4{font-size:13px}
  .rcalc-tab{font-size:10px;padding:6px 10px}
}
/* ── Section ── */
.ldisc-section{background:var(--bg-main,#fff);padding:56px 0 48px}
.ldisc-wrap{max-width:1280px;margin:0 auto;padding:0 16px;display:flex;flex-direction:column;gap:28px}

/* ── Block Container ── */
.ldisc-block{background:#fff;border:1.5px solid var(--border-color,#E0E4E8);border-radius:16px;overflow:hidden}

/* ── Block Header ── */
.ldisc-block-header{display:flex;align-items:center;gap:16px;padding:24px 28px;border-bottom:1.5px solid var(--border-color,#E0E4E8);background:var(--bg-light,#F7F9FC)}
.ldisc-block-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:18px}
.ldisc-icon-edit{background:linear-gradient(135deg,#DBEAFE,#EFF6FF);color:#1D4ED8}
.ldisc-icon-legal{background:linear-gradient(135deg,#FEE2E2,#FFF1F2);color:#BE123C}
.ldisc-block-header h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--brand-navy,#002868);line-height:1.2;margin:0}
.ldisc-subtitle{display:block;font-size:12.5px;color:var(--text-muted,#5F6368);margin-top:3px}

/* ── Block Body ── */
.ldisc-block-body{padding:28px}

/* ── 2-Col Grid (Process + Independence) ── */
.ldisc-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-bottom:24px}

/* ── Card ── */
.ldisc-card{background:var(--bg-light,#F7F9FC);border:1px solid var(--border-color,#E0E4E8);border-radius:12px;padding:22px}
.ldisc-card h4{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--brand-navy,#002868);margin-bottom:10px;display:flex;align-items:center;gap:8px}
.ldisc-card h4 i{color:var(--brand-accent,#2563EB);font-size:14px}
.ldisc-card p{font-size:13px;color:var(--text-muted,#5F6368);line-height:1.65;margin-bottom:8px}
.ldisc-card p:last-child{margin-bottom:0}
.ldisc-card strong{color:var(--brand-navy,#002868)}

/* ── Data Sources ── */
.ldisc-sources{margin-bottom:20px}
.ldisc-sources h4{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--brand-navy,#002868);margin-bottom:8px;display:flex;align-items:center;gap:8px}
.ldisc-sources h4 i{color:var(--brand-accent,#2563EB);font-size:14px}
.ldisc-sources-intro{font-size:13px;color:var(--text-muted,#5F6368);margin-bottom:16px;line-height:1.6}

/* ── Source Cards Grid ── */
.ldisc-source-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.ldisc-source-card{display:flex;align-items:flex-start;gap:14px;background:var(--bg-light,#F7F9FC);border:1px solid var(--border-color,#E0E4E8);border-radius:12px;padding:16px 18px;text-decoration:none;transition:all .2s ease}
.ldisc-source-card:hover{border-color:#93C5FD;background:#F0F7FF;box-shadow:0 4px 16px rgba(37,99,235,.06)}
.ldisc-source-icon{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,#002868,#003580);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:14px}
.ldisc-source-body{flex:1;min-width:0}
.ldisc-source-body strong{display:block;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--brand-navy,#002868);line-height:1.3;margin-bottom:4px}
.ldisc-source-body span{display:block;font-size:11.5px;color:var(--text-muted,#5F6368);line-height:1.5}
.ldisc-source-url{margin-top:6px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;color:var(--brand-accent,#2563EB)!important;text-transform:uppercase;letter-spacing:.04em;display:inline-flex!important;align-items:center;gap:4px}
.ldisc-source-url i{font-size:9px}
.ldisc-source-card:hover .ldisc-source-url{text-decoration:underline}

/* ── Updated Bar ── */
.ldisc-updated{display:flex;align-items:center;gap:10px;padding:14px 18px;background:#F0FDF4;border:1px solid #BBF7D0;border-radius:10px;font-size:12px;color:#166534}
.ldisc-updated i{font-size:14px;color:#16A34A;flex-shrink:0}
.ldisc-updated strong{color:#15803D}

/* ── Red Notice ── */
.ldisc-notice{display:flex;align-items:flex-start;gap:14px;padding:20px;border-radius:12px;margin-bottom:24px}
.ldisc-notice-red{background:#FFF5F5;border:1.5px solid #FECACA}
.ldisc-notice-icon{width:36px;height:36px;border-radius:10px;background:#FEE2E2;color:#DC2626;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:16px}
.ldisc-notice strong{display:block;font-family:'Montserrat',sans-serif;font-size:14px;color:#991B1B;margin-bottom:6px}
.ldisc-notice p{font-size:13px;color:#7F1D1D;line-height:1.6;margin:0}
.ldisc-notice p strong{display:inline;font-family:'Inter',sans-serif;font-size:inherit;color:inherit}

/* ── Disclaimer Items Grid ── */
.ldisc-disc-grid{display:flex;flex-direction:column;gap:18px}
.ldisc-disc-item{display:flex;align-items:flex-start;gap:16px;padding:18px 20px;background:var(--bg-light,#F7F9FC);border:1px solid var(--border-color,#E0E4E8);border-radius:12px}
.ldisc-disc-num{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,#002868,#003580);color:#fff;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:900;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.ldisc-disc-item h5{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--brand-navy,#002868);margin-bottom:6px}
.ldisc-disc-item p{font-size:12.5px;color:var(--text-muted,#5F6368);line-height:1.6;margin:0 0 6px}
.ldisc-disc-item p:last-child{margin-bottom:0}
.ldisc-disc-item strong{color:var(--brand-navy,#002868)}
.ldisc-disc-item ul{margin:6px 0 0 16px;padding:0;font-size:12.5px;color:var(--text-muted,#5F6368);line-height:1.55}
.ldisc-disc-item li{margin-bottom:4px}
.ldisc-disc-item li:last-child{margin-bottom:0}
.ldisc-disc-item li strong{color:var(--brand-navy,#002868)}

/* ── Acceptance Bar ── */
.ldisc-accept-bar{display:flex;align-items:center;gap:10px;margin-top:22px;padding:14px 18px;background:#EFF6FF;border:1px solid #BFDBFE;border-radius:10px;font-size:12px;color:#1E40AF;line-height:1.5}
.ldisc-accept-bar i{font-size:14px;color:#2563EB;flex-shrink:0}
.ldisc-accept-bar a{color:#1D4ED8;font-weight:700;text-decoration:underline;text-underline-offset:2px}
.ldisc-accept-bar a:hover{color:#1E3A8A}


/* ═══════════ RESPONSIVE ═══════════ */
@media(max-width:1080px){
  .ldisc-source-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .ldisc-section{padding:40px 0 36px}
  .ldisc-block-header{padding:20px 20px;gap:12px;flex-wrap:wrap}
  .ldisc-block-header h3{font-size:16px}
  .ldisc-block-body{padding:20px}
  .ldisc-grid-2{grid-template-columns:1fr;gap:14px}
  .ldisc-source-grid{grid-template-columns:1fr}
  .ldisc-source-card{padding:14px}
  .ldisc-notice{flex-direction:column;gap:10px;padding:16px}
  .ldisc-disc-item{flex-direction:column;gap:10px;padding:16px}
  .ldisc-disc-num{width:32px;height:32px;font-size:12px}
  .ldisc-accept-bar{flex-direction:column;text-align:center;gap:8px}
  .ldisc-updated{flex-direction:column;text-align:center;gap:6px}
}
@media(max-width:540px){
  .ldisc-block-header{padding:16px;gap:10px}
  .ldisc-block-header h3{font-size:15px}
  .ldisc-block-icon{width:38px;height:38px;font-size:16px}
  .ldisc-block-body{padding:16px}
  .ldisc-card{padding:16px}
  .ldisc-card h4{font-size:13px}
  .ldisc-card p{font-size:12.5px}
  .ldisc-source-body strong{font-size:12px}
  .ldisc-disc-item h5{font-size:13px}
  .ldisc-disc-item p,.ldisc-disc-item ul{font-size:12px}
  .ldisc-accept-bar{font-size:11.5px;padding:12px 14px}
}

/* ===================================================
   CRITICAL MOBILE REPAIR - Viewport Lock
   =================================================== */

@media screen and (max-width: 768px) {
  /* 1. Prevent global overflow */
  html, body {
    overflow-x: hidden !important;
    width: 100% !important;
    position: relative;
  }

  /* 2. Reset the main containers that hold fixed widths */
  .calc-container, .hiw-section, .ind-section, .ptip-section, 
  .bfaq-section, .rcalc-section, .ldisc-section, .header-inner {
    width: 100% !important;
    max-width: 100% !important;
    padding: 20px 15px !important;
    box-sizing: border-box !important;
    margin: 0 auto !important;
    overflow: hidden !important;
  }

  /* 3. Force all internal grids to 1 column */
  .grid-2, .grid-3, .hiw-grid, .ind-grid, .ptip-grid, .rcalc-grid, .ldisc-grid-2, .ldisc-source-grid {
    grid-template-columns: 1fr !important;
    width: 100% !important;
  }

  /* 4. Results Dashboard Fixes */
  .result-banner {
    flex-direction: column !important;
    align-items: center !important;
    text-align: center !important;
    padding: 20px !important;
  }
  .result-amount {
    font-size: 2rem !important;
  }
  .breakdown-row {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 5px !important;
  }
  .breakdown-row span:last-child {
    font-weight: 700;
  }

  /* 5. Fix Form Inputs */
  .input-group input, .input-group select {
    font-size: 16px !important; /* Prevents auto-zoom on iPhone */
    width: 100% !important;
  }

  /* 6. Fix Data Tables (Add scroll to table only) */
  .hiw-table-wrap, .table-responsive {
    overflow-x: auto !important;
    display: block !important;
    width: 100% !important;
    -webkit-overflow-scrolling: touch;
    margin-bottom: 15px;
  }
  table {
    min-width: 600px !important; /* Keep table readable but force swipe */
  }
}