:root{--navy:#002868;--navy2:#214d88;--green:#00875A;--red:#BF0A30;--amber:#b88100;--ink:#1D1D1F;--muted:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--card:#fff;--shadow:0 6px 20px rgba(0,40,104,.06)}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 16px 26px}.hero-inner{max-width:1500px;margin:0 auto}.hero h1{font-size:clamp(1.7rem,4vw,2.7rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.97rem;max-width:1180px;opacity:.93}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);font-size:.72rem;font-weight:700}
    .wrap{max-width:1500px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--border);border-radius:10px;padding:16px;text-align:center;color:var(--muted);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--navy)}
    .layout{display:grid;grid-template-columns:1.12fr .88fr;gap:18px}.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:var(--shadow)}.card+.card{margin-top:12px}.title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--muted);margin-top:2px} input[type=number],select{width:100%;padding:10px 11px;border:1.5px solid var(--border);border-radius:8px;background:#fff;font:inherit;font-size:.88rem;color:var(--ink);outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)}.btn-outline:hover{background:var(--red);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .placeholder{text-align:center;padding:46px 18px;color:var(--muted)}.placeholder .emoji{font-size:2.5rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#805c00)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.32rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:320px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--navy)}.note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    @media(max-width:1150px){.layout{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
    
      /* ── Calculator shared classes ── */
    .wrap{max-width:1500px;margin:0 auto;padding:18px 14px 34px}
    .card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:22px;box-shadow:var(--shadow)}
    .title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:14px;border-bottom:2px solid #eef3f7}
    .num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800;flex-shrink:0}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}
    .table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}
    .table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 11px;font-size:.72rem;white-space:nowrap}
    .table-wrap td{padding:8px 11px;border-bottom:1px solid var(--border)}
    .table-wrap tbody tr:nth-child(even){background:#f8fbff}
    .table-wrap td:first-child{font-weight:700;color:var(--navy)}
    .alert{padding:12px 14px;border-radius:0 8px 8px 0;font-size:.82rem;margin:12px 0;line-height:1.6}
    .good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
    .bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}
    .kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:12px;text-align:center}
    .kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
    .kpi .val{font-size:1.05rem;font-weight:800;color:var(--navy)}
    .kpi .small{font-size:.68rem;color:var(--muted);margin-top:3px}
    .banner{border-radius:14px;padding:18px 20px;color:#fff;margin-bottom:14px}
    .banner.good-b{background:linear-gradient(135deg,var(--green),#006a46)}
    .banner.warn-b{background:linear-gradient(135deg,var(--amber),#805c00)}
    .banner.bad-b{background:linear-gradient(135deg,var(--red),#8f001e)}
    .banner.navy-b{background:linear-gradient(135deg,var(--navy),var(--navy2))}
    .eyebrow{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;opacity:.85}
    .big{font-size:1.15rem;font-weight:800;margin-top:5px;line-height:1.35}
    .sub{font-size:.82rem;opacity:.9;margin-top:6px;line-height:1.5}
    .note{font-size:.76rem;color:var(--muted);margin-top:12px;background:#f3f5f8;padding:11px 13px;border-radius:8px;line-height:1.6}
    .chip{display:inline-block;padding:3px 9px;border-radius:999px;font-size:.7rem;font-weight:700}
    .chip-green{background:#e8f5e9;color:#1b5e20;border:1px solid #a5d6a7}
    .chip-red{background:#ffebee;color:#b71c1c;border:1px solid #ef9a9a}
    .chip-amber{background:#fff8e1;color:#6d4c00;border:1px solid #ffe082}
    .chip-navy{background:#e8edf5;color:var(--navy);border:1px solid #b0bcd8}
    .section-label{display:inline-flex;align-items:center;gap:7px;background:#EEF3F7;padding:5px 12px;border-radius:999px;font-size:.7rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:12px}
    .section-intro{font-size:.95rem;color:var(--muted);line-height:1.75;margin-bottom:20px;max-width:900px}
    .divider{height:1px;background:var(--border);margin:28px 0}
    .two-col{display:grid;grid-template-columns:1fr 1fr;gap:14px}
    .three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
    .four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
    .step-num{width:32px;height:32px;border-radius:9px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:800;flex-shrink:0;font-family:Montserrat,sans-serif}
    .step-row{display:flex;gap:13px;align-items:flex-start;margin-bottom:14px}
    .step-body{flex:1}
    .step-title{font-family:Montserrat,sans-serif;font-size:.92rem;font-weight:800;color:var(--navy);margin-bottom:4px}
    .step-text{font-size:.82rem;color:var(--ink);line-height:1.7}
    .pill-row{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}
    .pill{padding:4px 10px;border-radius:999px;border:1px solid rgba(0,40,104,.18);background:#EEF3F7;font-size:.72rem;font-weight:700;color:var(--navy)}
    .tip-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:18px;box-shadow:var(--shadow);transition:box-shadow .2s}
    .tip-icon{font-size:1.5rem;margin-bottom:8px}
    .tip-title{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;color:var(--navy);margin-bottom:6px}
    .tip-text{font-size:.8rem;color:var(--ink);line-height:1.7}
    .faq-item{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin-bottom:10px}
    .faq-q{background:var(--navy);color:#fff;padding:13px 16px;font-family:Montserrat,sans-serif;font-size:.88rem;font-weight:700;cursor:pointer;display:flex;justify-content:space-between;align-items:center;user-select:none}
    .faq-q::after{content:"▾";font-size:.8rem;opacity:.8;transition:transform .25s}
    .faq-item.open .faq-q::after{transform:rotate(-180deg)}
    .faq-a{display:none;padding:14px 16px;font-size:.83rem;color:var(--ink);line-height:1.75;background:#f8fbff;border-top:1px solid var(--border)}
    .faq-item.open .faq-a{display:block}

    /* ── Responsive breakpoints ── */
    @media(max-width:1150px){.kpis,.three-col{grid-template-columns:repeat(2,1fr)}.four-col{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:768px){.two-col{grid-template-columns:1fr}.card{padding:16px}.wrap{padding:14px 10px 28px}}
    @media(max-width:640px){.kpis,.three-col,.four-col{grid-template-columns:1fr}.faq-q{font-size:.82rem}}
    
    /* ── Scoped additions for Related Calculators section only ── */
  .rc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
  .rc-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:var(--shadow);transition:box-shadow .18s,transform .18s;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit}
  .rc-card:hover{box-shadow:0 10px 32px rgba(0,40,104,.13);transform:translateY(-2px)}
  .rc-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0}
  .rc-icon.tax{background:#e8edf5}
  .rc-icon.invest{background:#e8f5e9}
  .rc-icon.mortgage{background:#fff8e1}
  .rc-icon.personal{background:#ffebee}
  .rc-icon.credit{background:#f3e8ff}
  .rc-top{display:flex;align-items:center;gap:11px}
  .rc-name{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;color:var(--navy);line-height:1.3}
  .rc-desc{font-size:.77rem;color:var(--muted);line-height:1.6;flex:1}
  .rc-cta{display:inline-flex;align-items:center;gap:5px;font-size:.73rem;font-weight:700;color:var(--green);margin-top:auto}
  .rc-cta::after{content:"→"}
  .rc-group-label{display:flex;align-items:center;gap:9px;margin:22px 0 12px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.05em}
  .rc-group-label::before{content:"";flex:none;width:3px;height:18px;background:var(--navy);border-radius:2px}
  .rc-group-label span{background:#EEF3F7;padding:3px 10px;border-radius:999px}
  .rc-see-all{display:inline-flex;align-items:center;gap:6px;padding:10px 20px;border-radius:8px;border:2px solid var(--navy);background:#fff;color:var(--navy);font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;text-decoration:none;transition:all .18s;margin-top:24px}
  .rc-see-all:hover{background:var(--navy);color:#fff}
  @media(max-width:1100px){.rc-grid{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:640px){.rc-grid{grid-template-columns:1fr}.rc-card{padding:14px}}
  
   /* ── Scoped styles for disclaimer + transparency section ── */
  .gov-link-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:15px 16px;display:flex;align-items:flex-start;gap:13px;text-decoration:none;color:inherit;transition:box-shadow .18s,transform .18s;box-shadow:var(--shadow)}
  .gov-link-card:hover{box-shadow:0 10px 30px rgba(0,40,104,.12);transform:translateY(-2px)}
  .gov-badge{flex-shrink:0;width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--navy2));display:flex;align-items:center;justify-content:center;font-size:1.1rem}
  .gov-body{flex:1}
  .gov-org{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);letter-spacing:.06em;margin-bottom:2px}
  .gov-name{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;color:var(--navy);margin-bottom:4px;line-height:1.3}
  .gov-desc{font-size:.76rem;color:var(--ink);line-height:1.6}
  .gov-url{font-size:.68rem;color:var(--green);font-weight:600;margin-top:5px;word-break:break-all}
  .gov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
  .transparency-row{display:flex;gap:10px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--border)}
  .transparency-row:last-child{border-bottom:none}
  .t-icon{flex-shrink:0;width:32px;height:32px;border-radius:8px;background:#EEF3F7;display:flex;align-items:center;justify-content:center;font-size:.9rem}
  .t-body{flex:1}
  .t-title{font-family:Montserrat,sans-serif;font-size:.85rem;font-weight:800;color:var(--navy);margin-bottom:3px}
  .t-text{font-size:.8rem;color:var(--ink);line-height:1.7}
  .disclaimer-box{background:#fff8e1;border:1.5px solid var(--amber);border-radius:12px;padding:18px 20px}
  .disclaimer-box.red-box{background:#ffebee;border-color:var(--red)}
  .disclaimer-box.navy-box{background:#EEF3F7;border-color:var(--navy)}
  .d-head{display:flex;align-items:center;gap:9px;margin-bottom:10px;font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;color:var(--navy)}
  .d-body{font-size:.82rem;color:var(--ink);line-height:1.8}
  .d-body ul{padding-left:18px;margin-top:6px}
  .d-body li{margin-bottom:5px}
  .score-row{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
  .score-box{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:12px;text-align:center}
  .score-box .s-label{font-size:.65rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
  .score-box .s-val{font-size:1rem;font-weight:800;color:var(--navy)}
  .score-box .s-sub{font-size:.68rem;color:var(--muted);margin-top:3px}
  @media(max-width:1100px){.gov-grid{grid-template-columns:repeat(2,1fr)}.score-row{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:640px){.gov-grid,.score-row{grid-template-columns:1fr}.gov-link-card{padding:13px}}
    
/* GLOBAL SAFE CONTAINER */
.page-content,
.calc-wrap,
.card {
  box-sizing: border-box;
  max-width: 100%;
  overflow-x: hidden;
}
html,
body {
  max-width: 100%;
  overflow-x: hidden;
}
@media (max-width: 768px) {
  /* Core layout grids */
  .layout-grid,
  .metrics-grid,
  .scenario-grid,
  .legal-grid,
  .ed-pillars {
    grid-template-columns: 1fr !important;
  }

  /* Related calculators grids */
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr;
  }
}
/* Tables inside the tool */
.card table {
  table-layout: fixed;
  width: 100%;
}

.card th,
.card td {
  word-wrap: break-word;
  white-space: normal;
}

/* Hard clamp long words in any content */
.card,
.card * {
  word-break: break-word;
}
@media (max-width: 480px) {
  .primary-btn,
  .secondary-btn,
  .mode-toggle button,
  .faq-q,
  .related-card,
  .legal-footer-bar {
    max-width: 100%;
  }

  .tags {
    flex-wrap: wrap;
  }

  .tag {
    max-width: 100%;
  }
}

/* ============================================================
   🔧 REFINED TYPOGRAPHY SCALE (Surgical H2 Downsize)
   ============================================================ */

/* Reduced H2 max size from 2rem to 1.6rem for a cleaner look */
h2, .edu-sec h2, .st {
  font-size: clamp(1.3rem, 2.5vw, 1.6rem) !important; 
  color: var(--navy) !important;
  line-height: 1.2 !important;
  font-weight: 800 !important;
  letter-spacing: -0.02em;
  margin-bottom: 16px !important;
}

/* Adjusted H3 to maintain proper visual hierarchy */
h3, .edu-sec h3, .hiw-card h3 {
  font-size: clamp(1.05rem, 1.8vw, 1.2rem) !important;
  color: var(--navy) !important;
  line-height: 1.4 !important;
  font-weight: 700 !important;
  margin-top: 20px !important;
  margin-bottom: 10px !important;
}

/* Mobile-Specific Refinement */
@media (max-width: 768px) {
  h2, .edu-sec h2, .st { 
    font-size: 1.25rem !important; 
  }
  h3, .edu-sec h3, .hiw-card h3 { 
    font-size: 1.1rem !important; 
  }
}