/* =====================================================
   CHARGE-OFF SETTLEMENT SAVINGS CALCULATOR — CSS
   USFinanceCalculators.com | Kadence Integration
   ===================================================== */

:root {
  --co-blue: var(--global-palette1, #002868);
  --co-charcoal: var(--global-palette3, #1D1D1F);
  --co-gray: var(--global-palette4, #5F6368);
  --co-border: var(--global-palette5, #E0E4E8);
  --co-bg: var(--global-palette6, #F7F9FC);
  --co-white: var(--global-palette7, #FFFFFF);
  --co-red: var(--global-palette8, #BF0A30);
  --co-green: var(--global-palette9, #00875A);
  --co-amber: #D97706;
  --co-amber-bg: #FFFBEB;
}

#coWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1140px;
  margin: 0 auto;
  color: var(--co-charcoal);
  -webkit-font-smoothing: antialiased;
}

/* ── Typography & Contrast Patch ── */
#coWrapper .co-field label, #coWrapper .co-section-label, #coWrapper .co-neg-step-label, #coWrapper .co-stat-label, #coWrapper .co-range-bar-title, #coWrapper .co-breakdown-title, #coWrapper .co-alert-title { color: #1e293b !important; font-weight: 800 !important; }
#coWrapper .co-input-wrap input, #coWrapper .co-select-full, #coWrapper .co-neg-step-value, #coWrapper .co-stat-value, #coWrapper .co-br-value { font-weight: 600 !important; color: #0f172a !important; }
#coWrapper .co-net-hero-value { font-weight: 900 !important; color: #ffffff !important; }
#coWrapper .co-prefix, #coWrapper .co-suffix { color: #334155 !important; font-weight: 800 !important; }
#coWrapper .co-hint, #coWrapper .co-neg-pct, #coWrapper .co-alert, #coWrapper .co-disclaimer { color: #64748b !important; font-weight: 500 !important; }

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

/* ---- HEADER ---- */
.co-header {
  background: linear-gradient(135deg, var(--co-blue) 0%, #001040 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.co-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.co-header-icon { font-size: 2.8rem; display: block; margin-bottom: 14px; position: relative; z-index: 1; }
.co-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.85rem) !important;
  font-weight: 800 !important;
  color: #ffffff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.co-subtitle {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.75);
  max-width: 760px;
  margin: 0 auto 22px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.co-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  position: relative; z-index: 1;
}
.co-badge {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  color: rgba(255,255,255,0.9);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- DEBT TYPE TOGGLE ---- */
.co-type-bar {
  display: flex;
  justify-content: center;
  margin-bottom: 24px;
}
.co-type-toggle {
  display: inline-flex;
  background: var(--co-white);
  border: 1.5px solid var(--co-border);
  border-radius: 12px;
  padding: 4px;
  gap: 3px;
}
.co-type-btn {
  padding: 9px 22px;
  border: none;
  background: transparent;
  color: var(--co-gray);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  border-radius: 9px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.03em;
}
.co-type-btn.active {
  background: var(--co-blue);
  color: #fff;
  box-shadow: 0 2px 10px rgba(0,40,104,0.25);
}

/* ---- MAIN GRID ---- */
.co-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}

/* ---- PANELS ---- */
.co-input-panel {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 16px;
  padding: 28px;
}
.co-results-panel {
  background: var(--co-bg);
  border: 1px solid var(--co-border);
  border-radius: 16px;
  padding: 28px;
}

/* ---- SECTION LABELS ---- */
.co-section-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--co-blue);
  margin: 0 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--co-border);
  display: flex;
  align-items: center;
  gap: 7px;
}
.co-section-label + * { margin-top: 0; }
.co-section-gap { margin-top: 22px; }

/* ---- FORM FIELDS ---- */
.co-field { margin-bottom: 14px; }
.co-field label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--co-charcoal);
  margin-bottom: 5px;
}
.co-field label .co-hint {
  font-weight: 400;
  color: var(--co-gray);
  font-size: 0.72rem;
  margin-left: 4px;
}
.co-input-wrap {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--co-border);
  border-radius: 9px;
  overflow: hidden;
  background: var(--co-white);
  transition: border-color 0.2s;
}
.co-input-wrap:focus-within { border-color: var(--co-blue); }
.co-prefix, .co-suffix {
  background: var(--co-bg);
  color: var(--co-gray);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 0 10px;
  height: 40px;
  display: flex;
  align-items: center;
  border-right: 1.5px solid var(--co-border);
  flex-shrink: 0;
}
.co-suffix { border-right: none; border-left: 1.5px solid var(--co-border); }
.co-input-wrap input,
.co-input-wrap select {
  flex: 1;
  height: 40px;
  border: none;
  outline: none;
  background: transparent;
  font-size: 0.88rem;
  color: var(--co-charcoal);
  padding: 0 10px;
  min-width: 0;
}
.co-input-wrap select { cursor: pointer; }
.co-select-full {
  width: 100%;
  height: 40px;
  border: 1.5px solid var(--co-border);
  border-radius: 9px;
  background: var(--co-white);
  font-size: 0.88rem;
  color: var(--co-charcoal);
  padding: 0 10px;
  outline: none;
  cursor: pointer;
  transition: border-color 0.2s;
}
.co-select-full:focus { border-color: var(--co-blue); }

/* ---- TOGGLE SWITCHES ---- */
.co-toggle-group {
  display: flex;
  border: 1.5px solid var(--co-border);
  border-radius: 9px;
  overflow: hidden;
}
.co-toggle-opt {
  flex: 1;
  text-align: center;
  padding: 9px 6px;
  font-size: 0.78rem;
  font-weight: 600;
  cursor: pointer;
  background: var(--co-white);
  color: var(--co-gray);
  border: none;
  transition: all 0.2s;
  line-height: 1.3;
}
.co-toggle-opt + .co-toggle-opt { border-left: 1.5px solid var(--co-border); }
.co-toggle-opt.active {
  background: var(--co-blue);
  color: #fff;
}
.co-toggle-opt.active-green { background: var(--co-green); color: #fff; }

/* ---- SLIDER ---- */
.co-slider-wrap { padding: 4px 0; }
.co-slider-row { display: flex; align-items: center; gap: 10px; margin-bottom: 6px; }
.co-slider-label { font-size: 0.75rem; color: var(--co-gray); min-width: 40px; }
.co-slider-val { font-size: 0.82rem; font-weight: 700; color: var(--co-blue); min-width: 36px; text-align: right; }
input[type="range"].co-range {
  flex: 1;
  -webkit-appearance: none;
  height: 5px;
  border-radius: 3px;
  background: var(--co-border);
  outline: none;
  cursor: pointer;
}
input[type="range"].co-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--co-blue);
  cursor: pointer;
  box-shadow: 0 1px 5px rgba(0,40,104,0.3);
}

/* ---- COMPANY FEE SECTION ---- */
#coCompanyFeeRow { transition: all 0.3s; }

/* ---- AD PLACEHOLDER ---- */
.ad-container.ad-in-calc {
  background: var(--co-bg);
  border: 1.5px dashed var(--co-border);
  border-radius: 10px;
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--co-gray);
  font-size: 0.72rem;
  text-align: center;
  margin: 20px 0;
}

/* ---- CALCULATE BTN ---- */
.co-calc-btn {
  width: 100%;
  padding: 14px;
  background: var(--co-blue);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 6px;
}
.co-calc-btn:hover { background: #001a4d; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,40,104,0.3); }
.co-reset-btn {
  width: 100%;
  padding: 10px;
  background: transparent;
  color: var(--co-gray);
  font-size: 0.78rem;
  font-weight: 600;
  border: 1.5px solid var(--co-border);
  border-radius: 10px;
  cursor: pointer;
  margin-top: 8px;
  transition: all 0.2s;
}
.co-reset-btn:hover { border-color: var(--co-red); color: var(--co-red); }

/* ---- EMPTY STATE ---- */
.co-empty-state {
  text-align: center;
  padding: 48px 24px;
  color: var(--co-gray);
}
.co-empty-icon { font-size: 3rem; margin-bottom: 14px; display: block; opacity: 0.4; }
.co-empty-state p { font-size: 0.85rem; line-height: 1.6; }

/* ---- RESULTS CONTENT ---- */
.co-results-content { display: none; }
.co-results-content.show { display: block; }

/* ---- NET SAVINGS HERO ---- */
.co-net-hero {
  background: linear-gradient(135deg, var(--co-blue) 0%, #001a4d 100%);
  border-radius: 14px;
  padding: 22px 20px;
  text-align: center;
  margin-bottom: 20px;
}
.co-net-hero-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  margin-bottom: 4px;
}
.co-net-hero-value {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(2rem, 5vw, 2.6rem);
  font-weight: 900;
  color: #fff;
  line-height: 1;
  margin-bottom: 6px;
}
.co-net-hero-sub { font-size: 0.78rem; color: rgba(255,255,255,0.7); }
.co-net-hero-sub span { color: #4ade80; font-weight: 700; }

/* ---- SAVINGS GRID ---- */
.co-savings-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}
.co-stat-card {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 10px;
  padding: 12px 14px;
  text-align: center;
}
.co-stat-card.red-card { border-color: rgba(191,10,48,0.2); background: #FFF5F7; }
.co-stat-card.green-card { border-color: rgba(0,135,90,0.2); background: #F0FBF6; }
.co-stat-card.amber-card { border-color: rgba(217,119,6,0.2); background: var(--co-amber-bg); }
.co-stat-label {
  font-size: 0.67rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--co-gray);
  margin-bottom: 4px;
}
.co-stat-value {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--co-charcoal);
}
.co-stat-card.red-card .co-stat-value { color: var(--co-red); }
.co-stat-card.green-card .co-stat-value { color: var(--co-green); }
.co-stat-card.amber-card .co-stat-value { color: var(--co-amber); }

/* ---- BREAKDOWN TABLE ---- */
.co-breakdown {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 18px;
}
.co-breakdown-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--co-blue);
  padding: 10px 14px 8px;
  border-bottom: 1px solid var(--co-border);
  background: var(--co-bg);
}
.co-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 14px;
  font-size: 0.82rem;
  border-bottom: 1px solid var(--co-bg);
}
.co-breakdown-row:last-child { border-bottom: none; }
.co-breakdown-row.alt { background: var(--co-bg); }
.co-breakdown-row.total-row {
  background: var(--co-blue);
  font-weight: 700;
}
.co-breakdown-row.total-row .co-br-label,
.co-breakdown-row.total-row .co-br-value { color: #fff; }
.co-br-label { color: var(--co-charcoal); font-weight: 500; }
.co-br-value { font-weight: 700; color: var(--co-charcoal); font-family: 'Montserrat', 'Inter', sans-serif; }
.co-br-value.red { color: var(--co-red); }
.co-br-value.green { color: var(--co-green); }
.co-br-value.amber { color: var(--co-amber); }

/* ---- COMPARISON TABLE ---- */
.co-compare-table {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 18px;
}
.co-compare-table table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
}
.co-compare-table thead tr {
  background: var(--co-blue);
  color: #fff;
}
.co-compare-table thead th {
  padding: 10px 12px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: right;
}
.co-compare-table thead th:first-child { text-align: left; }
.co-compare-table tbody tr:nth-child(even) { background: var(--co-bg); }
.co-compare-table tbody td {
  padding: 9px 12px;
  color: var(--co-charcoal);
  font-weight: 500;
  text-align: right;
}
.co-compare-table tbody td:first-child { text-align: left; color: var(--co-gray); }
.co-compare-table tbody td.winner { color: var(--co-green); font-weight: 800; }
.co-compare-table tfoot td {
  padding: 10px 12px;
  font-weight: 700;
  text-align: right;
  border-top: 2px solid var(--co-border);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
}
.co-compare-table tfoot td:first-child { text-align: left; }
.co-compare-table tfoot td.winner { color: var(--co-green); font-size: 0.9rem; }

/* ---- NEGOTIATION PANEL ---- */
.co-negotiation {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 18px;
}
.co-neg-header {
  background: var(--co-blue);
  padding: 10px 14px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #fff;
}
.co-neg-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0;
}
.co-neg-step {
  padding: 14px 12px;
  text-align: center;
  border-right: 1px solid var(--co-border);
}
.co-neg-step:last-child { border-right: none; }
.co-neg-step-num {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--co-gray);
  margin-bottom: 4px;
}
.co-neg-step-label {
  font-size: 0.7rem;
  color: var(--co-gray);
  margin-bottom: 5px;
}
.co-neg-step-value {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
}
.co-neg-step.opening .co-neg-step-value { color: var(--co-green); }
.co-neg-step.target .co-neg-step-value { color: var(--co-blue); }
.co-neg-step.maximum .co-neg-step-value { color: var(--co-amber); }
.co-neg-pct { font-size: 0.68rem; color: var(--co-gray); margin-top: 2px; }

/* ---- SETTLEMENT RANGE BAR ---- */
.co-range-bar-wrap {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 12px;
  padding: 14px 16px;
  margin-bottom: 18px;
}
.co-range-bar-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--co-blue);
  margin-bottom: 12px;
}
.co-range-visual {
  position: relative;
  height: 28px;
  border-radius: 6px;
  overflow: hidden;
  background: var(--co-bg);
  margin-bottom: 8px;
}
.co-range-segment {
  position: absolute;
  top: 0; bottom: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.68rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.04em;
}
.co-range-low { background: var(--co-green); }
.co-range-mid { background: var(--co-blue); }
.co-range-high { background: var(--co-amber); }
.co-range-legend {
  display: flex;
  gap: 14px;
  font-size: 0.7rem;
  flex-wrap: wrap;
}
.co-range-legend span { display: flex; align-items: center; gap: 5px; color: var(--co-gray); }
.co-legend-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  display: inline-block;
}

/* ---- ALERT BADGES ---- */
.co-alert {
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 0.8rem;
  line-height: 1.5;
  margin-bottom: 14px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.co-alert-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.co-alert.red-alert { background: #FFF5F7; border: 1px solid rgba(191,10,48,0.2); color: var(--co-charcoal); }
.co-alert.amber-alert { background: var(--co-amber-bg); border: 1px solid rgba(217,119,6,0.2); color: var(--co-charcoal); }
.co-alert.blue-alert { background: #EEF2FF; border: 1px solid rgba(0,40,104,0.15); color: var(--co-charcoal); }
.co-alert.green-alert { background: #F0FBF6; border: 1px solid rgba(0,135,90,0.2); color: var(--co-charcoal); }
.co-alert strong { font-weight: 700; }
.co-alert-title { font-weight: 700; margin-bottom: 3px; }

/* ---- CHART ---- */
.co-chart-wrap {
  background: var(--co-white);
  border: 1px solid var(--co-border);
  border-radius: 12px;
  padding: 16px;
  margin-bottom: 18px;
}
.co-chart-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--co-blue);
  margin-bottom: 12px;
}

/* ---- ACTION BUTTONS ---- */
.co-action-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 14px;
}
.co-pdf-btn, .co-wa-btn {
  padding: 11px 12px;
  border: none;
  border-radius: 9px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  transition: all 0.2s;
  letter-spacing: 0.03em;
}
.co-pdf-btn { background: var(--co-red); color: #fff; }
.co-pdf-btn:hover { background: #9b0826; transform: translateY(-1px); }
.co-wa-btn { background: #25D366; color: #fff; }
.co-wa-btn:hover { background: #128C7E; transform: translateY(-1px); }

/* ---- ERROR BOX ---- */
.co-error-box {
  background: #FFF5F7;
  border: 1.5px solid var(--co-red);
  border-radius: 10px;
  padding: 12px 14px;
  margin-bottom: 14px;
  font-size: 0.82rem;
  color: var(--co-red);
  display: none;
}
.co-error-box.show { display: flex; gap: 8px; align-items: center; }

/* ---- INSOLVENCY MODULE ---- */
.co-insolvency-module {
  background: var(--co-bg);
  border: 1px solid var(--co-border);
  border-radius: 10px;
  padding: 14px;
  margin-top: 6px;
}
.co-insolvency-module.hidden { display: none; }

/* ---- OPTIONAL TOGGLE ---- */
.co-optional-toggle {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  padding: 8px 0;
  color: var(--co-blue);
  font-size: 0.78rem;
  font-weight: 600;
  user-select: none;
}
.co-optional-toggle .co-chevron { transition: transform 0.2s; }
.co-optional-toggle.open .co-chevron { transform: rotate(180deg); }

/* ---- DISCLAIMER ---- */
.co-disclaimer {
  font-size: 0.7rem;
  color: var(--co-gray);
  line-height: 1.55;
  text-align: center;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--co-border);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .co-grid { grid-template-columns: 1fr; }
  .co-savings-grid { grid-template-columns: 1fr 1fr; }
  .co-neg-grid { grid-template-columns: 1fr; }
  .co-neg-step { border-right: none; border-bottom: 1px solid var(--co-border); }
  .co-neg-step:last-child { border-bottom: none; }
  .co-action-row { grid-template-columns: 1fr; }
  .co-header { padding: 28px 18px 22px; }
  .co-input-panel, .co-results-panel { padding: 20px 16px; }
  .co-badges { gap: 6px; }
  .co-badge { font-size: 0.65rem; padding: 4px 10px; }
  .co-type-btn { padding: 8px 14px; font-size: 0.74rem; }
}
@media (max-width: 480px) {
  .co-savings-grid { grid-template-columns: 1fr; }
  .co-net-hero-value { font-size: 1.9rem; }
}


:root {
  --co-blue: #002868;
  --co-charcoal: #1D1D1F;
  --co-gray: #5F6368;
  --co-border: #E0E4E8;
  --co-bg: #F7F9FC;
  --co-white: #FFFFFF;
  --co-red: #BF0A30;
  --co-green: #00875A;
  --co-amber: #D97706;
  --co-amber-bg: #FFFBEB;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;font-size:15px;color:var(--co-gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.65}
.wrap{max-width:1140px;margin:0 auto;padding:28px 18px 60px}

/* ── CARD SHELL ── */
.co-section-card{background:var(--co-white);border:1px solid var(--co-border);border-radius:16px;box-shadow:0 2px 12px rgba(0,40,104,.07);margin-bottom:26px;overflow:hidden}
.co-section-head{display:flex;align-items:flex-start;gap:14px;padding:26px 28px 0}
.co-section-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.icon-blue{background:rgba(0,40,104,.08)}
.icon-green{background:rgba(0,135,90,.08)}
.icon-red{background:rgba(191,10,48,.08)}
.icon-amber{background:rgba(217,119,6,.08)}
.co-section-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:18px;color:var(--co-charcoal)}
.co-section-subtitle{font-size:13px;color:var(--co-gray);margin-top:3px;line-height:1.55}
.co-section-body{padding:26px 28px 30px}

/* ── LABEL BAR ── */
.co-label{font-family:'Montserrat','Inter',sans-serif;font-weight:700;font-size:0.7rem;color:var(--co-blue);text-transform:uppercase;letter-spacing:.07em;margin:26px 0 14px;display:flex;align-items:center;gap:10px}
.co-label:first-child{margin-top:0}
.co-label::after{content:'';flex:1;height:1px;background:var(--co-border)}

/* ── STEP CARDS ── */
.step-timeline{position:relative;padding-left:38px}
.step-timeline::before{content:'';position:absolute;left:17px;top:14px;bottom:14px;width:2px;background:linear-gradient(to bottom,var(--co-blue),var(--co-green))}
.step-item{position:relative;margin-bottom:22px}
.step-item:last-child{margin-bottom:0}
.step-num{position:absolute;left:-38px;top:0;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:14px;color:#fff;z-index:1}
.step-num.s1{background:var(--co-blue)}.step-num.s2{background:#1a4a8a}.step-num.s3{background:#2e6ab0}
.step-num.s4{background:#3a7bc8}.step-num.s5{background:#00875A}.step-num.s6{background:#005c3e}
.step-box{background:var(--co-bg);border:1px solid var(--co-border);border-radius:12px;padding:18px 20px}
.step-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:14px;color:var(--co-charcoal);margin-bottom:6px;display:flex;align-items:center;gap:8px}
.step-title .step-badge{font-size:10px;font-weight:700;padding:2px 8px;border-radius:4px;text-transform:uppercase;letter-spacing:.04em}
.badge-required{background:rgba(191,10,48,.1);color:var(--co-red)}
.badge-optional{background:rgba(0,135,90,.1);color:var(--co-green)}
.badge-auto{background:rgba(0,40,104,.1);color:var(--co-blue)}
.step-text{font-size:13.5px;color:var(--co-gray);line-height:1.65}
.step-text strong{color:var(--co-charcoal);font-weight:700}
.step-fields{margin-top:10px;display:flex;flex-wrap:wrap;gap:6px}
.step-field-tag{font-size:11px;font-weight:600;padding:4px 10px;border-radius:5px;background:rgba(0,40,104,.06);color:var(--co-blue);border:1px solid rgba(0,40,104,.12)}

/* ── WHAT YOU NEED BOX ── */
.prep-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:12px;margin-bottom:10px}
.prep-card{border:1.5px solid var(--co-border);border-radius:10px;padding:14px 16px;display:flex;gap:12px;align-items:flex-start;background:var(--co-white)}
.prep-icon{width:38px;height:38px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.prep-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:12px;color:var(--co-charcoal);margin-bottom:2px}
.prep-desc{font-size:11.5px;color:var(--co-gray);line-height:1.45}

/* ── RESULT INTERPRETATION ── */
.result-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:14px}
.result-card{border:1.5px solid var(--co-border);border-radius:12px;padding:18px;background:var(--co-bg);position:relative;overflow:hidden}
.result-card.green-result{border-left:5px solid var(--co-green)}
.result-card.amber-result{border-left:5px solid var(--co-amber)}
.result-card.red-result{border-left:5px solid var(--co-red)}
.result-card.blue-result{border-left:5px solid var(--co-blue)}
.rc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.rc-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:13px;color:var(--co-charcoal)}
.rc-badge{font-size:10px;font-weight:700;padding:3px 8px;border-radius:4px}
.rc-badge.green{background:rgba(0,135,90,.12);color:#005c3e}
.rc-badge.amber{background:rgba(217,119,6,.12);color:#92400e}
.rc-badge.red{background:rgba(191,10,48,.12);color:#7f1d1d}
.rc-badge.blue{background:rgba(0,40,104,.12);color:var(--co-blue)}
.rc-text{font-size:12.5px;color:var(--co-gray);line-height:1.55}

/* ── ALERT ── */
.co-tip{border-radius:10px;padding:14px 16px;font-size:13px;line-height:1.6;display:flex;gap:10px;align-items:flex-start;margin-bottom:16px}
.co-tip.blue{background:rgba(0,40,104,.05);border:1px solid rgba(0,40,104,.12);color:var(--co-charcoal)}
.co-tip.green{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.15);color:var(--co-charcoal)}
.co-tip.amber{background:var(--co-amber-bg);border:1px solid rgba(217,119,6,.2);color:var(--co-charcoal)}
.co-tip-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.co-tip strong{font-weight:700;color:var(--co-charcoal)}

/* ── TIME ESTIMATE BAR ── */
.time-bar{display:flex;align-items:center;gap:12px;padding:12px 16px;background:rgba(0,40,104,.04);border:1.5px solid rgba(0,40,104,.1);border-radius:10px;margin-bottom:22px;flex-wrap:wrap}
.time-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--co-gray)}
.time-item strong{color:var(--co-charcoal)}
.time-sep{width:1px;height:16px;background:var(--co-border)}

@media(max-width:768px){
  .co-section-head,.co-section-body{padding-left:16px;padding-right:16px}
  .prep-grid{grid-template-columns:1fr}
  .result-grid{grid-template-columns:1fr}
  .step-timeline{padding-left:34px}
  .step-num{left:-34px;width:32px;height:32px;font-size:12px}
  .time-sep{display:none}
}

:root{--co-blue:var(--global-palette1,#002868);--co-charcoal:var(--global-palette3,#1D1D1F);--co-gray:var(--global-palette4,#5F6368);--co-border:var(--global-palette5,#E0E4E8);--co-bg:var(--global-palette6,#F7F9FC);--co-white:var(--global-palette7,#FFFFFF);--co-red:var(--global-palette8,#BF0A30);--co-green:var(--global-palette9,#00875A);--co-amber:#D97706;--co-amber-bg:#FFFBEB}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'Inter',sans-serif;font-size:16px;color:var(--co-gray);background:var(--co-bg);-webkit-font-smoothing:antialiased;line-height:1.6}
.ex-section{max-width:900px;margin:0 auto;padding:0 16px}
.ex-section-header{text-align:center;margin-bottom:36px}
.ex-section-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.08);border:1px solid rgba(0,40,104,.15);color:var(--co-blue);font-size:.72rem;font-weight:700;padding:5px 14px;border-radius:20px;margin-bottom:14px;letter-spacing:.03em}
.ex-section-title{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(22px,3.5vw,32px);color:var(--co-charcoal);line-height:1.2;margin-bottom:10px}
.ex-section-desc{font-size:.92rem;color:var(--co-gray);max-width:680px;margin:0 auto;line-height:1.7}
.ex-stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:32px}
.ex-stat-box{background:var(--co-white);border:1.5px solid var(--co-border);border-radius:10px;padding:14px 12px;text-align:center}
.ex-stat-box .val{font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.15rem;color:var(--co-charcoal);margin-bottom:2px}
.ex-stat-box .val.green{color:var(--co-green)}.ex-stat-box .val.blue{color:var(--co-blue)}.ex-stat-box .val.red{color:var(--co-red)}.ex-stat-box .val.amber{color:var(--co-amber)}
.ex-stat-box .lbl{font-size:.7rem;color:var(--co-gray);font-weight:600;letter-spacing:.02em}
.ex-card{background:var(--co-white);border:1.5px solid var(--co-border);border-radius:16px;margin-bottom:28px;overflow:hidden;transition:box-shadow .25s ease}
.ex-card:hover{box-shadow:0 8px 32px rgba(0,40,104,.1)}
.ex-card-top{display:flex;align-items:center;gap:16px;padding:22px 24px 18px;border-bottom:1px solid var(--co-border);background:var(--co-bg)}
.ex-avatar{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0;font-weight:700;color:#fff}
.av-1{background:linear-gradient(135deg,#002868,#0044a8)}.av-2{background:linear-gradient(135deg,#00875A,#00a86b)}.av-3{background:linear-gradient(135deg,#D97706,#f59e0b)}.av-4{background:linear-gradient(135deg,#6c3fc5,#8b5cf6)}.av-5{background:linear-gradient(135deg,#BF0A30,#ef4444)}
.ex-person-name{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1rem;color:var(--co-charcoal);line-height:1.25}
.ex-person-meta{font-size:.78rem;color:var(--co-gray);line-height:1.4;margin-top:2px}
.ex-number{margin-left:auto;font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.6rem;color:rgba(0,40,104,.1);flex-shrink:0}
.ex-tags{display:flex;flex-wrap:wrap;gap:6px;padding:16px 24px 0}
.ex-tag{font-size:.68rem;font-weight:700;padding:4px 10px;border-radius:5px;letter-spacing:.02em}
.ex-tag.debt{background:rgba(0,40,104,.08);color:var(--co-blue)}.ex-tag.holder{background:rgba(0,135,90,.08);color:var(--co-green)}.ex-tag.mode{background:rgba(217,119,6,.08);color:var(--co-amber)}.ex-tag.approach{background:rgba(108,63,197,.08);color:#6c3fc5}.ex-tag.bracket{background:rgba(191,10,48,.08);color:var(--co-red)}.ex-tag.insolvency{background:rgba(0,135,90,.12);color:#065f46}
.ex-story{padding:16px 24px;font-size:.86rem;color:var(--co-gray);line-height:1.7;border-bottom:1px solid var(--co-border)}
.ex-story strong{color:var(--co-charcoal)}
.ex-input-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:1px;background:var(--co-border);border-bottom:1px solid var(--co-border)}
.ex-input-cell{background:var(--co-white);padding:12px 16px}
.ex-input-cell .lbl{font-size:.68rem;font-weight:600;color:var(--co-gray);text-transform:uppercase;letter-spacing:.04em;margin-bottom:3px}
.ex-input-cell .val{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.92rem;color:var(--co-charcoal)}
.ex-result-hero{background:linear-gradient(135deg,var(--co-blue) 0%,#001a4d 100%);margin:18px 24px;border-radius:12px;padding:20px;text-align:center}
.ex-result-hero .label{font-size:.72rem;color:rgba(255,255,255,.7);font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px}
.ex-result-hero .value{font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.8rem;color:#fff;margin-bottom:4px}
.ex-result-hero .sub{font-size:.75rem;color:rgba(255,255,255,.65)}
.ex-result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;padding:0 24px;margin-bottom:18px}
.ex-r-stat{border:1.5px solid var(--co-border);border-radius:10px;padding:14px 10px;text-align:center}
.ex-r-stat .lbl{font-size:.66rem;font-weight:600;color:var(--co-gray);text-transform:uppercase;letter-spacing:.03em;margin-bottom:4px}
.ex-r-stat .val{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1rem}
.ex-r-stat.green-stat .val{color:var(--co-green)}.ex-r-stat.red-stat .val{color:var(--co-red)}.ex-r-stat.amber-stat .val{color:var(--co-amber)}.ex-r-stat.blue-stat .val{color:var(--co-blue)}
.ex-range-wrap{padding:0 24px;margin-bottom:18px}
.ex-range-title{font-size:.72rem;font-weight:700;color:var(--co-charcoal);margin-bottom:8px;display:flex;align-items:center;gap:6px}
.ex-range-bar{display:flex;height:28px;border-radius:7px;overflow:hidden;border:1px solid var(--co-border)}
.ex-range-seg{display:flex;align-items:center;justify-content:center;font-size:.64rem;font-weight:700;color:#fff}
.ex-range-seg.low{background:var(--co-green)}.ex-range-seg.mid{background:var(--co-blue)}.ex-range-seg.high{background:var(--co-amber)}
.ex-range-legend{display:flex;gap:14px;margin-top:6px;font-size:.66rem;color:var(--co-gray)}
.ex-range-legend span{display:flex;align-items:center;gap:4px}
.ex-legend-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.ex-neg-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--co-border);margin:0 24px 18px;border-radius:10px;overflow:hidden;border:1.5px solid var(--co-border)}
.ex-neg-cell{background:var(--co-white);padding:14px 10px;text-align:center}
.ex-neg-cell .step{font-size:.62rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:2px}
.ex-neg-cell.open .step{color:var(--co-green)}.ex-neg-cell.target .step{color:var(--co-blue)}.ex-neg-cell.max .step{color:var(--co-amber)}
.ex-neg-cell .lbl{font-size:.7rem;font-weight:600;color:var(--co-gray);margin-bottom:4px}
.ex-neg-cell .val{font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.05rem;color:var(--co-charcoal)}
.ex-neg-cell .pct{font-size:.68rem;color:var(--co-gray);margin-top:2px}
.ex-insight{margin:0 24px 20px;padding:14px 16px;border-radius:10px;font-size:.82rem;line-height:1.6;display:flex;gap:10px;align-items:flex-start}
.ex-insight.green{background:rgba(0,135,90,.06);border-left:4px solid var(--co-green);color:#065f46}
.ex-insight.blue{background:rgba(0,40,104,.06);border-left:4px solid var(--co-blue);color:#001a4d}
.ex-insight.amber{background:rgba(217,119,6,.06);border-left:4px solid var(--co-amber);color:#92400e}
.ex-insight.purple{background:rgba(108,63,197,.06);border-left:4px solid #6c3fc5;color:#3b1f6e}
.ex-insight strong{color:inherit}
.ex-insight-icon{font-size:1.1rem;flex-shrink:0;line-height:1.5}
.ex-compare{margin:0 24px 18px;border:1.5px solid var(--co-border);border-radius:10px;overflow:hidden}
.ex-compare-head{display:grid;grid-template-columns:1fr 1fr 1fr;background:var(--co-blue);color:#fff;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.ex-compare-head div{padding:10px 12px;text-align:center}
.ex-compare-row{display:grid;grid-template-columns:1fr 1fr 1fr;font-size:.82rem;border-bottom:1px solid var(--co-border)}
.ex-compare-row:last-child{border-bottom:none;font-weight:700}
.ex-compare-row div{padding:10px 12px;text-align:center}
.ex-compare-row div:first-child{text-align:left;color:var(--co-charcoal);font-weight:600}
.ex-compare-row .green{color:var(--co-green);font-weight:700}.ex-compare-row .red{color:var(--co-red)}.ex-compare-row .amber{color:var(--co-amber)}
.ex-insolvency{margin:0 24px 18px;background:rgba(0,135,90,.04);border:1.5px solid rgba(0,135,90,.15);border-radius:10px;padding:16px}
.ex-insolvency-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.78rem;color:var(--co-green);margin-bottom:8px;display:flex;align-items:center;gap:6px}
.ex-insolvency-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:10px}
.ex-insolvency-stat{text-align:center}
.ex-insolvency-stat .lbl{font-size:.66rem;color:var(--co-gray);font-weight:600}
.ex-insolvency-stat .val{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.92rem;color:var(--co-green)}
.ex-insolvency-note{font-size:.78rem;color:#065f46;line-height:1.5;background:rgba(0,135,90,.06);border-radius:6px;padding:10px 12px}
.ex-cta{text-align:center;margin-top:32px;padding:28px 20px;background:linear-gradient(135deg,var(--co-blue),#001a4d);border-radius:14px;color:#fff}
.ex-cta-title{font-family:'Montserrat',sans-serif;font-weight:900;font-size:1.15rem;margin-bottom:8px}
.ex-cta-desc{font-size:.85rem;color:rgba(255,255,255,.75);margin-bottom:16px;max-width:500px;margin-left:auto;margin-right:auto}
.ex-cta-btn{display:inline-flex;align-items:center;gap:8px;padding:14px 32px;background:#fff;color:var(--co-blue);font-family:'Montserrat',sans-serif;font-weight:800;font-size:.85rem;border:none;border-radius:9px;cursor:pointer;transition:all .2s;text-decoration:none}
.ex-cta-btn:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.25)}
@media(max-width:640px){.ex-stat-strip{grid-template-columns:repeat(2,1fr)}.ex-card-top{flex-wrap:wrap;padding:16px}.ex-number{display:none}.ex-tags,.ex-story{padding-left:16px;padding-right:16px}.ex-input-grid{grid-template-columns:1fr 1fr}.ex-result-hero{margin:14px 16px}.ex-result-grid{grid-template-columns:repeat(2,1fr);padding:0 16px}.ex-range-wrap{padding:0 16px}.ex-neg-strip,.ex-insight,.ex-compare,.ex-insolvency{margin-left:16px;margin-right:16px}}
@media(max-width:400px){.ex-input-grid{grid-template-columns:1fr}.ex-result-grid{grid-template-columns:1fr 1fr}.ex-neg-strip{grid-template-columns:1fr}.ex-compare-head,.ex-compare-row{grid-template-columns:1.2fr 1fr 1fr;font-size:.75rem}}

:root{--navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;--green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;--charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;--purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);--radius:10px;--radius-lg:16px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}.cir{background:rgba(192,57,43,.1)}.cio{background:rgba(230,126,22,.1)}.cit{background:rgba(8,145,178,.1)}.cip{background:rgba(108,63,197,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:#1e293b}
.cs{font-size:13px;color:var(--gray);margin-top:3px}
.stp{padding:24px 28px 30px}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12px;color:var(--navy);text-transform:uppercase;letter-spacing:.8px;margin:24px 0 14px;display:flex;align-items:center;gap:10px}
.stl:first-child{margin-top:0}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ═══ PRO TIP CARDS ═══ */
.tip-card{border:1.5px solid var(--border);border-radius:var(--radius);padding:0;margin-bottom:18px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.tip-card:hover{border-color:rgba(26,58,92,.25);box-shadow:0 4px 18px rgba(15,37,64,.08)}
.tip-head{display:flex;align-items:center;gap:14px;padding:18px 22px;cursor:pointer;user-select:none;transition:background .18s}
.tip-head:hover{background:rgba(26,58,92,.02)}
.tip-num{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:900;font-size:16px;color:var(--white);flex-shrink:0}
.tn1{background:linear-gradient(135deg,#1a3a5c,#2563eb)}.tn2{background:linear-gradient(135deg,#00875A,#059669)}.tn3{background:linear-gradient(135deg,#c0392b,#e74c3c)}.tn4{background:linear-gradient(135deg,#e67e22,#f59e0b)}.tn5{background:linear-gradient(135deg,#6c3fc5,#8b5cf6)}
.tip-title-wrap{flex:1;min-width:0}
.tip-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:15px;color:#1e293b;margin-bottom:2px}
.tip-subtitle{font-size:12px;color:var(--gray);line-height:1.4}
.tip-savings{display:flex;align-items:center;gap:6px;background:rgba(0,135,90,.08);border:1px solid rgba(0,135,90,.2);padding:5px 12px;border-radius:6px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:12px;color:var(--green2);white-space:nowrap;flex-shrink:0}
.tip-toggle{width:28px;height:28px;border-radius:6px;border:1.5px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:14px;transition:all .2s;flex-shrink:0;color:var(--gray)}
.tip-card.open .tip-toggle{background:var(--navy);border-color:var(--navy);color:#fff;transform:rotate(180deg)}
.tip-body{max-height:0;overflow:hidden;transition:max-height .4s cubic-bezier(.25,.46,.45,.94)}
.tip-card.open .tip-body{max-height:2000px}
.tip-inner{padding:0 22px 22px;border-top:1px solid var(--border);margin-top:0;padding-top:18px}

/* ═══ INNER TIP ELEMENTS ═══ */
.tp-section{margin-bottom:18px}
.tp-section:last-child{margin-bottom:0}
.tp-label{font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;color:var(--navy);text-transform:uppercase;letter-spacing:.6px;margin-bottom:8px;display:flex;align-items:center;gap:6px}
.tp-text{font-size:14px;color:#334155;line-height:1.75}
.tp-text strong{color:#1e293b}

/* Example Box */
.ex-box{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:16px 18px;margin-top:10px}
.ex-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:12px;color:var(--navy);margin-bottom:10px;display:flex;align-items:center;gap:6px}
.ex-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.ex-item{display:flex;justify-content:space-between;align-items:center;padding:8px 12px;background:var(--white);border-radius:6px;border:1px solid var(--border);font-size:13px}
.ex-item .el{color:var(--gray);font-weight:500}
.ex-item .ev{font-family:'Montserrat',sans-serif;font-weight:800;color:#1e293b;font-size:13px}
.ex-item.highlight{background:rgba(0,135,90,.06);border-color:rgba(0,135,90,.2)}
.ex-item.highlight .ev{color:var(--green2)}
.ex-item.danger{background:rgba(192,57,43,.05);border-color:rgba(192,57,43,.15)}
.ex-item.danger .ev{color:var(--red)}

/* Bullet List */
.tp-list{list-style:none;padding:0;margin:8px 0 0}
.tp-list li{position:relative;padding:8px 0 8px 24px;font-size:13.5px;color:#334155;line-height:1.65;border-bottom:1px dashed rgba(0,0,0,.06)}
.tp-list li:last-child{border-bottom:none}
.tp-list li::before{content:'';position:absolute;left:0;top:14px;width:8px;height:8px;border-radius:3px}
.tp-list.green li::before{background:var(--green)}.tp-list.navy li::before{background:var(--navy)}.tp-list.red li::before{background:var(--red)}.tp-list.orange li::before{background:var(--orange)}.tp-list.purple li::before{background:var(--purple)}

/* Warning / Success / Info alerts */
.tp-alert{display:flex;gap:10px;padding:12px 15px;border-radius:8px;font-size:13px;line-height:1.6;margin-top:10px}
.tp-alert.warn{background:rgba(230,126,22,.07);border-left:3px solid var(--orange);color:#7a3a0e}
.tp-alert.good{background:rgba(0,135,90,.06);border-left:3px solid var(--green);color:var(--green2)}
.tp-alert.danger{background:rgba(192,57,43,.06);border-left:3px solid var(--red);color:#7a1a1a}
.tp-alert.info{background:rgba(26,58,92,.05);border-left:3px solid var(--navy);color:var(--navy)}
.tp-alert-icon{font-size:16px;flex-shrink:0;line-height:1.5}

/* Script Box */
.script-box{background:#0f1923;border-radius:8px;padding:16px 18px;margin-top:10px;font-family:'Courier New',monospace;font-size:13px;line-height:1.8;color:#e8f0fe;overflow-x:auto}
.script-box .you{color:#86efac;font-weight:700}.script-box .them{color:#fde68a;font-weight:700}.script-box .note{color:#636e7b;font-style:italic}

/* Stats Strip */
.stats-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin-bottom:20px}
.stat-box{text-align:center;padding:14px 10px;background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius)}
.stat-val{font-family:'Montserrat',sans-serif;font-weight:900;font-size:22px;color:var(--navy);line-height:1.2}
.stat-label{font-size:11px;color:var(--gray);margin-top:4px;line-height:1.3}

/* Timing Visual */
.timeline{position:relative;padding-left:28px;margin:12px 0}
.timeline::before{content:'';position:absolute;left:10px;top:6px;bottom:6px;width:2px;background:var(--border)}
.tl-item{position:relative;padding:10px 0 10px 16px;font-size:13px;color:#334155;line-height:1.5}
.tl-item::before{content:'';position:absolute;left:-22px;top:14px;width:12px;height:12px;border-radius:50%;border:2.5px solid var(--navy);background:var(--white);z-index:1}
.tl-item.best::before{background:var(--green);border-color:var(--green)}
.tl-item.ok::before{background:var(--orange);border-color:var(--orange)}
.tl-item.bad::before{background:var(--red);border-color:var(--red)}
.tl-label{font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;color:var(--navy);text-transform:uppercase;letter-spacing:.4px}
.tl-item.best .tl-label{color:var(--green2)}.tl-item.ok .tl-label{color:var(--orange)}.tl-item.bad .tl-label{color:var(--red)}

/* Comparison Table */
.cmp-table{width:100%;border-collapse:collapse;font-size:13px;margin-top:10px;border:1.5px solid var(--border);border-radius:8px;overflow:hidden}
.cmp-table th{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;text-transform:uppercase;letter-spacing:.4px;padding:10px 14px;text-align:left}
.cmp-table td{padding:9px 14px;border-bottom:1px solid var(--border);color:#334155}
.cmp-table tr:last-child td{border-bottom:none}
.cmp-table tr:nth-child(even) td{background:rgba(26,58,92,.02)}
.cmp-table .good{color:var(--green2);font-weight:700}.cmp-table .bad{color:var(--red);font-weight:700}

@media(max-width:640px){
  .ch,.stp{padding-left:16px;padding-right:16px}
  .tip-head{padding:14px 16px;gap:10px}
  .tip-inner{padding:0 16px 18px}
  .tip-savings{display:none}
  .ex-grid{grid-template-columns:1fr}
  .stats-strip{grid-template-columns:1fr 1fr}
  .stat-val{font-size:18px}
  .tip-title{font-size:14px}
  .script-box{font-size:11.5px;padding:12px 14px}
}
@media(max-width:400px){
  .stats-strip{grid-template-columns:1fr}
  .tip-num{width:36px;height:36px;font-size:14px}
}

:root {
  --co-blue: #002868;
  --co-charcoal: #1D1D1F;
  --co-gray: #5F6368;
  --co-border: #E0E4E8;
  --co-bg: #F7F9FC;
  --co-white: #FFFFFF;
  --co-red: #BF0A30;
  --co-green: #00875A;
  --co-amber: #D97706;
  --co-amber-bg: #FFFBEB;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;font-size:15px;color:var(--co-gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.65}
.wrap{max-width:1140px;margin:0 auto;padding:28px 18px 60px}

/* ── CARD SHELL ── */
.co-section-card{background:var(--co-white);border:1px solid var(--co-border);border-radius:16px;box-shadow:0 2px 12px rgba(0,40,104,.07);margin-bottom:26px;overflow:hidden}
.co-section-head{display:flex;align-items:flex-start;gap:14px;padding:26px 28px 0}
.co-section-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.icon-blue{background:rgba(0,40,104,.08)}
.icon-green{background:rgba(0,135,90,.08)}
.icon-red{background:rgba(191,10,48,.08)}
.icon-amber{background:rgba(217,119,6,.08)}
.icon-purple{background:rgba(108,63,197,.08)}
.co-section-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:18px;color:var(--co-charcoal)}
.co-section-subtitle{font-size:13px;color:var(--co-gray);margin-top:3px;line-height:1.55}
.co-section-body{padding:26px 28px 30px}

/* ── LABEL BAR ── */
.co-label{font-family:'Montserrat','Inter',sans-serif;font-weight:700;font-size:0.7rem;color:var(--co-blue);text-transform:uppercase;letter-spacing:.07em;margin:26px 0 14px;display:flex;align-items:center;gap:10px}
.co-label:first-child{margin-top:0}
.co-label::after{content:'';flex:1;height:1px;background:var(--co-border)}

/* ── SEARCH BAR ── */
.glossary-search-wrap{position:relative;margin-bottom:20px}
.glossary-search{width:100%;padding:13px 16px 13px 44px;border:1.5px solid var(--co-border);border-radius:10px;font-family:'Inter',sans-serif;font-size:14px;color:var(--co-charcoal);background:var(--co-white);outline:none;transition:border .2s,box-shadow .2s}
.glossary-search:focus{border-color:var(--co-blue);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
.glossary-search-icon{position:absolute;left:15px;top:50%;transform:translateY(-50%);font-size:16px;color:var(--co-gray);pointer-events:none}
.glossary-count{font-size:12px;color:var(--co-gray);text-align:right;margin-bottom:14px}
.glossary-count strong{color:var(--co-charcoal)}

/* ── CATEGORY FILTERS ── */
.cat-filters{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:18px}
.cat-btn{padding:6px 14px;border:1.5px solid var(--co-border);border-radius:7px;font-family:'Montserrat','Inter',sans-serif;font-size:11px;font-weight:700;color:var(--co-gray);background:var(--co-white);cursor:pointer;transition:all .18s;text-transform:uppercase;letter-spacing:.03em}
.cat-btn:hover{border-color:var(--co-blue);color:var(--co-blue)}
.cat-btn.active{background:var(--co-blue);color:#fff;border-color:var(--co-blue)}

/* ── GLOSSARY ITEMS ── */
.glossary-list{display:flex;flex-direction:column;gap:10px}
.gloss-item{border:1.5px solid var(--co-border);border-radius:12px;overflow:hidden;background:var(--co-white);transition:border-color .18s,box-shadow .18s}
.gloss-item:hover{border-color:rgba(0,40,104,.25);box-shadow:0 2px 10px rgba(0,40,104,.06)}
.gloss-header{display:flex;align-items:center;gap:12px;padding:14px 18px;cursor:pointer;user-select:none}
.gloss-icon{width:34px;height:34px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.gloss-term{flex:1;font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:13.5px;color:var(--co-charcoal)}
.gloss-cat{font-size:10px;font-weight:700;padding:3px 8px;border-radius:4px;text-transform:uppercase;letter-spacing:.04em;flex-shrink:0}
.cat-settlement{background:rgba(0,40,104,.08);color:var(--co-blue)}
.cat-tax{background:rgba(217,119,6,.1);color:#92400e}
.cat-credit{background:rgba(191,10,48,.08);color:#7f1d1d}
.cat-legal{background:rgba(0,135,90,.08);color:#005c3e}
.cat-negotiation{background:rgba(108,63,197,.08);color:#4c1d95}
.gloss-chevron{font-size:14px;color:var(--co-gray);transition:transform .2s;flex-shrink:0}
.gloss-item.open .gloss-chevron{transform:rotate(180deg)}
.gloss-body{max-height:0;overflow:hidden;transition:max-height .3s ease}
.gloss-item.open .gloss-body{max-height:500px}
.gloss-content{padding:0 18px 16px 64px;font-size:13px;color:var(--co-gray);line-height:1.65}
.gloss-content strong{color:var(--co-charcoal);font-weight:700}
.gloss-content .gloss-example{margin-top:8px;padding:10px 14px;background:var(--co-bg);border-radius:8px;font-size:12px;border-left:3px solid var(--co-blue)}
.gloss-content .gloss-ref{margin-top:8px;font-size:11px;color:var(--co-gray)}
.gloss-content .gloss-ref a{color:var(--co-blue);text-decoration:none;font-weight:600}
.gloss-content .gloss-ref a:hover{text-decoration:underline}

/* ── QUICK REF BOX ── */
.quick-ref{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:10px;margin-bottom:10px}
.qr-card{border:1.5px solid var(--co-border);border-radius:10px;padding:14px 16px;background:var(--co-bg)}
.qr-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:12px;color:var(--co-charcoal);margin-bottom:4px}
.qr-text{font-size:12px;color:var(--co-gray);line-height:1.5}
.qr-text strong{color:var(--co-charcoal)}

@media(max-width:768px){
  .co-section-head,.co-section-body{padding-left:16px;padding-right:16px}
  .gloss-content{padding-left:18px}
  .gloss-cat{display:none}
  .quick-ref{grid-template-columns:1fr}
  .cat-filters{gap:5px}
  .cat-btn{padding:5px 10px;font-size:10px}
}

:root {
  --co-blue: #002868;
  --co-charcoal: #1D1D1F;
  --co-gray: #5F6368;
  --co-border: #E0E4E8;
  --co-bg: #F7F9FC;
  --co-white: #FFFFFF;
  --co-red: #BF0A30;
  --co-green: #00875A;
  --co-amber: #D97706;
  --co-amber-bg: #FFFBEB;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;font-size:15px;color:var(--co-gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.65}
.wrap{max-width:1140px;margin:0 auto;padding:28px 18px 60px}

/* ── SHARED CARD SHELL ── */
.co-section-card{background:var(--co-white);border:1px solid var(--co-border);border-radius:16px;box-shadow:0 2px 12px rgba(0,40,104,.07);margin-bottom:26px;overflow:hidden}
.co-section-head{display:flex;align-items:flex-start;gap:14px;padding:26px 28px 0}
.co-section-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.icon-blue{background:rgba(0,40,104,.08)}.icon-green{background:rgba(0,135,90,.08)}.icon-red{background:rgba(191,10,48,.08)}.icon-amber{background:rgba(217,119,6,.08)}
.co-section-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:18px;color:var(--co-charcoal)}
.co-section-subtitle{font-size:13px;color:var(--co-gray);margin-top:3px;line-height:1.55}
.co-section-body{padding:26px 28px 30px}
.co-label{font-family:'Montserrat','Inter',sans-serif;font-weight:700;font-size:0.7rem;color:var(--co-blue);text-transform:uppercase;letter-spacing:.07em;margin:26px 0 14px;display:flex;align-items:center;gap:10px}
.co-label:first-child{margin-top:0}
.co-label::after{content:'';flex:1;height:1px;background:var(--co-border)}

/* ── FAQ ACCORDION ── */
.faq-list{display:flex;flex-direction:column;gap:8px}
.faq-item{border:1.5px solid var(--co-border);border-radius:12px;overflow:hidden;background:var(--co-white);transition:border-color .18s,box-shadow .18s}
.faq-item:hover{border-color:rgba(0,40,104,.2);box-shadow:0 2px 10px rgba(0,40,104,.05)}
.faq-item.open{border-color:var(--co-blue);box-shadow:0 2px 14px rgba(0,40,104,.08)}
.faq-q{display:flex;align-items:center;gap:12px;padding:15px 18px;cursor:pointer;user-select:none}
.faq-num{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:12px;color:var(--co-blue);background:rgba(0,40,104,.06);flex-shrink:0}
.faq-item.open .faq-num{background:var(--co-blue);color:#fff}
.faq-question{flex:1;font-family:'Montserrat','Inter',sans-serif;font-weight:700;font-size:13.5px;color:var(--co-charcoal);line-height:1.4}
.faq-chev{font-size:14px;color:var(--co-gray);transition:transform .25s;flex-shrink:0}
.faq-item.open .faq-chev{transform:rotate(180deg);color:var(--co-blue)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-item.open .faq-a{max-height:800px}
.faq-answer{padding:0 18px 16px 60px;font-size:13.5px;color:var(--co-gray);line-height:1.7}
.faq-answer strong{color:var(--co-charcoal);font-weight:700}
.faq-answer ul{margin:8px 0 0 16px;font-size:13px;line-height:1.65}
.faq-answer ul li{margin-bottom:5px}
.faq-answer .faq-highlight{margin-top:10px;padding:10px 14px;background:var(--co-bg);border-radius:8px;font-size:12.5px;border-left:3px solid var(--co-blue)}

/* ── COMPARISON TABLE ── */
.co-comp-wrap{background:var(--co-white);border:1px solid var(--co-border);border-radius:12px;overflow:hidden;margin-bottom:18px}
.co-comp-wrap table{width:100%;border-collapse:collapse;font-size:0.8rem}
.co-comp-wrap thead tr{background:var(--co-blue);color:#fff}
.co-comp-wrap thead th{padding:11px 14px;font-family:'Montserrat','Inter',sans-serif;font-size:0.72rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;text-align:center}
.co-comp-wrap thead th:first-child{text-align:left}
.co-comp-wrap tbody tr:nth-child(even){background:var(--co-bg)}
.co-comp-wrap tbody td{padding:10px 14px;color:var(--co-charcoal);font-weight:500;text-align:center;font-size:13px;line-height:1.5}
.co-comp-wrap tbody td:first-child{text-align:left;color:var(--co-gray);font-weight:600;font-size:12.5px}
.co-comp-wrap tbody td.green{color:var(--co-green);font-weight:700}
.co-comp-wrap tbody td.red{color:var(--co-red);font-weight:700}
.co-comp-wrap tbody td.amber{color:var(--co-amber);font-weight:700}
.co-comp-wrap tbody td.blue{color:var(--co-blue);font-weight:700}

/* ── STAT GRID ── */
.stat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;margin-bottom:16px}
.stat-card{background:var(--co-bg);border:1.5px solid var(--co-border);border-radius:10px;padding:16px;text-align:center}
.stat-value{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:1.3rem;color:var(--co-charcoal);margin-bottom:4px}
.stat-value.green{color:var(--co-green)}.stat-value.red{color:var(--co-red)}.stat-value.blue{color:var(--co-blue)}.stat-value.amber{color:var(--co-amber)}
.stat-label{font-size:11.5px;color:var(--co-gray);font-weight:600}

/* ── STATE SOL TABLE ── */
.sol-search-wrap{position:relative;margin-bottom:14px}
.sol-search{width:100%;padding:12px 16px 12px 42px;border:1.5px solid var(--co-border);border-radius:10px;font-family:'Inter',sans-serif;font-size:13px;color:var(--co-charcoal);background:var(--co-white);outline:none;transition:border .2s,box-shadow .2s}
.sol-search:focus{border-color:var(--co-blue);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
.sol-search-icon{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:15px;color:var(--co-gray);pointer-events:none}
.sol-table-wrap{max-height:420px;overflow-y:auto;border:1px solid var(--co-border);border-radius:10px}
.sol-table-wrap::-webkit-scrollbar{width:6px}
.sol-table-wrap::-webkit-scrollbar-thumb{background:var(--co-border);border-radius:3px}
.sol-table{width:100%;border-collapse:collapse;font-size:12.5px}
.sol-table thead{position:sticky;top:0;z-index:1}
.sol-table thead th{background:var(--co-blue);color:#fff;padding:10px 12px;font-family:'Montserrat','Inter',sans-serif;font-size:0.68rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;text-align:left}
.sol-table thead th:nth-child(2),.sol-table thead th:nth-child(3){text-align:center}
.sol-table tbody tr:nth-child(even){background:var(--co-bg)}
.sol-table tbody tr:hover{background:rgba(0,40,104,.04)}
.sol-table tbody td{padding:8px 12px;color:var(--co-charcoal);font-weight:500}
.sol-table tbody td:nth-child(2),.sol-table tbody td:nth-child(3){text-align:center;font-family:'Montserrat','Inter',sans-serif;font-weight:700}
.sol-table tbody td:nth-child(2){color:var(--co-blue)}
.sol-table tbody td:nth-child(3){color:var(--co-amber)}

/* ── RELATED CALCULATORS ── */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:12px}
.calc-card{border:1.5px solid var(--co-border);border-radius:12px;padding:18px;background:var(--co-white);display:flex;gap:14px;align-items:flex-start;transition:border-color .18s,box-shadow .18s,transform .18s;text-decoration:none}
.calc-card:hover{border-color:var(--co-blue);box-shadow:0 4px 16px rgba(0,40,104,.08);transform:translateY(-2px)}
.calc-icon{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.calc-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:12.5px;color:var(--co-charcoal);margin-bottom:4px}
.calc-desc{font-size:11.5px;color:var(--co-gray);line-height:1.45}
.calc-arrow{font-size:14px;color:var(--co-blue);margin-left:auto;align-self:center;flex-shrink:0}

/* ── DISCLAIMER ── */
.disclaimer-box{background:var(--co-bg);border:1.5px solid var(--co-border);border-radius:12px;padding:20px 22px}
.disclaimer-title{font-family:'Montserrat','Inter',sans-serif;font-weight:800;font-size:13px;color:var(--co-charcoal);margin-bottom:8px;display:flex;align-items:center;gap:8px}
.disclaimer-text{font-size:12px;color:var(--co-gray);line-height:1.65}
.disclaimer-text strong{color:var(--co-charcoal);font-weight:700}
.disclaimer-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:10px;margin-top:14px}
.disclaim-item{display:flex;gap:8px;align-items:flex-start;font-size:11.5px;color:var(--co-gray);line-height:1.5}
.disclaim-item-icon{font-size:14px;flex-shrink:0;margin-top:1px}

/* ── RESPONSIVE ── */
@media(max-width:768px){
  .co-section-head,.co-section-body{padding-left:16px;padding-right:16px}
  .faq-answer{padding-left:18px}
  .stat-grid{grid-template-columns:1fr 1fr}
  .calc-grid{grid-template-columns:1fr}
  .disclaimer-grid{grid-template-columns:1fr}
  .co-comp-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .co-comp-wrap table{min-width:560px}
}
@media(max-width:480px){
  .stat-grid{grid-template-columns:1fr}
}
<!-- Related Calculators CSS & JS -->

.rc-tab{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;padding:7px 16px;border-radius:20px;border:1.5px solid #dde3ea;background:#fff;color:#5f6b7a;cursor:pointer;transition:all .18s;white-space:nowrap}
.rc-tab:hover{border-color:#1a3a5c;color:#1a3a5c}
.rc-tab.active{background:#1a3a5c;color:#fff;border-color:#1a3a5c}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(340px,1fr));gap:14px}
.calc-card{display:flex;align-items:flex-start;gap:14px;padding:16px 18px;border:1.5px solid #dde3ea;border-radius:10px;text-decoration:none;color:inherit;transition:all .2s;background:#fff;position:relative}
.calc-card:hover{border-color:rgba(26,58,92,.3);box-shadow:0 4px 18px rgba(15,37,64,.08);transform:translateY(-1px)}
.calc-card[style*="display: none"]{display:none !important}
.calc-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.icon-blue{background:rgba(26,58,92,.08)}.icon-red{background:rgba(192,57,43,.08)}.icon-amber{background:rgba(230,126,22,.08)}.icon-green{background:rgba(0,135,90,.08)}.icon-purple{background:rgba(108,63,197,.08)}
.calc-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13.5px;color:#1e293b;margin-bottom:4px;line-height:1.35}
.calc-desc{font-size:12.5px;color:#5f6b7a;line-height:1.55}
.calc-badge{display:inline-block;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;padding:3px 8px;border-radius:4px;margin-top:6px;letter-spacing:.3px}
.badge-credit{background:rgba(26,58,92,.08);color:#1a3a5c}
.badge-tax{background:rgba(192,57,43,.08);color:#922b21}
.badge-loan{background:rgba(230,126,22,.08);color:#7a3a0e}
.badge-finance{background:rgba(0,135,90,.08);color:#065f46}
.badge-legal{background:rgba(108,63,197,.08);color:#3b1f6e}
.calc-arrow{font-size:18px;color:#c8cdd3;flex-shrink:0;align-self:center;transition:color .18s}
.calc-card:hover .calc-arrow{color:#1a3a5c}

@media(max-width:640px){
  .calc-grid{grid-template-columns:1fr}
  .rc-tab{font-size:11px;padding:6px 12px}
}


 /* ============================================================
   LEGAL DISCLAIMER SECTION — bld-* classes
   Charge-Off Settlement Savings Calculator
   USFinanceCalculators.com — Matches means-test-calculator.html design system
   ============================================================ */

/* ── Main Container ── */
#co-disclaimer-section {
  max-width: 1200px;
  margin: 36px auto 0;
  padding: 0 18px;
  font-family: 'Inter', sans-serif;
}

.bld-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--sh);
  overflow: hidden;
}

/* ── Header ── */
.bld-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 28px 28px 22px;
  background: linear-gradient(135deg, var(--navy2) 0%, var(--navy) 60%, #1e4d7b 100%);
  position: relative;
  overflow: hidden;
  flex-wrap: wrap;
}
.bld-header::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);
  pointer-events: none;
}

.bld-header-icon {
  width: 52px;
  height: 52px;
  background: rgba(255,255,255,.12);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.bld-header-text {
  flex: 1;
  min-width: 0;
  position: relative;
  z-index: 1;
}

.bld-header-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(16px, 2.8vw, 22px);
  color: #ffffff !important;
  line-height: 1.25;
  margin: 0 0 6px;
}

.bld-header-sub {
  font-size: 13px;
  color: rgba(255,255,255,.78);
  line-height: 1.55;
  margin: 0;
}

.bld-header-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(243,156,18,.15);
  border: 1px solid rgba(243,156,18,.4);
  color: #fcd34d;
  font-size: 11.5px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 20px;
  letter-spacing: .3px;
  white-space: nowrap;
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}

/* ── Body ── */
.bld-body {
  padding: 28px;
}

/* ── 4-Clause Grid ── */
.bld-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 18px;
  margin-bottom: 28px;
}

.bld-clause {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  transition: border-color .2s, box-shadow .2s;
}
.bld-clause:hover {
  border-color: var(--navy);
  box-shadow: 0 4px 15px rgba(26,58,92,.08);
}

.bld-clause-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.bld-clause-body {
  flex: 1;
  min-width: 0;
}

.bld-clause-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: var(--charcoal);
  margin-bottom: 6px;
  line-height: 1.3;
}

.bld-clause-text {
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.65;
  margin: 0;
}
.bld-clause-text strong {
  color: var(--charcoal);
  font-weight: 700;
}

/* ── Full Disclaimer Text ── */
.bld-full-text {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 28px;
}

.bld-full-text p {
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.75;
  margin: 0 0 14px;
}
.bld-full-text p:last-child {
  margin-bottom: 0;
}
.bld-full-text strong {
  color: var(--charcoal);
  font-weight: 700;
}
.bld-full-text a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: rgba(26,58,92,.3);
  text-underline-offset: 2px;
  transition: color .2s;
}
.bld-full-text a:hover {
  color: var(--navy2);
  text-decoration-color: var(--navy);
}

/* ── Authority Outbound Links ── */
.bld-authority {
  margin-bottom: 0;
}

.bld-authority-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.bld-authority-title span {
  flex: 1;
  height: 1px;
  background: var(--border);
}

.bld-gov-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 12px;
}

.bld-gov-card {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  text-decoration: none;
  transition: all .2s;
  cursor: pointer;
}
.bld-gov-card:hover {
  border-color: var(--navy);
  box-shadow: 0 4px 15px rgba(26,58,92,.08);
  transform: translateY(-2px);
}

.bld-gov-flag {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.bld-gov-info {
  flex: 1;
  min-width: 0;
}

.bld-gov-name {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 12.5px;
  color: var(--charcoal);
  line-height: 1.3;
  margin-bottom: 2px;
}

.bld-gov-full {
  font-size: 11px;
  color: var(--gray);
  line-height: 1.4;
  margin-bottom: 3px;
}

.bld-gov-relevance {
  font-size: 11px;
  color: var(--green2, #065f46);
  font-weight: 600;
  line-height: 1.4;
}

.bld-gov-ext {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 10px;
  color: var(--green);
  background: rgba(0,135,90,.08);
  padding: 4px 10px;
  border-radius: 6px;
  white-space: nowrap;
  flex-shrink: 0;
  letter-spacing: .3px;
}

/* ── Footer Row ── */
.bld-footer-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 18px 28px;
  border-top: 1px solid var(--border);
  background: var(--bg);
}

.bld-footer-left {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  color: var(--gray);
}

.bld-footer-dot {
  width: 8px;
  height: 8px;
  background: var(--green);
  border-radius: 50%;
  flex-shrink: 0;
  animation: bldPulse 2s ease-in-out infinite;
}
@keyframes bldPulse {
  0%, 100% { opacity: 1; }
  50% { opacity: .4; }
}

.bld-footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.bld-footer-links a {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 5px 12px;
  border-radius: 6px;
  background: rgba(26,58,92,.06);
  transition: all .2s;
  white-space: nowrap;
}
.bld-footer-links a:hover {
  background: rgba(26,58,92,.12);
  color: var(--navy2);
}


/* ============================================================
   EDITORIAL TRANSPARENCY SECTION — arc-trans-* classes
   ============================================================ */

.arc-transparency-section {
  max-width: 1200px;
  margin: 28px auto 36px;
  padding: 0 18px;
}

.arc-transparency-inner {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--sh);
  padding: 32px 28px;
  display: flex;
  align-items: flex-start;
  gap: 24px;
}

/* ── Logo Badge ── */
.arc-trans-logo-wrap {
  flex-shrink: 0;
}

.arc-trans-logo {
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, var(--navy2) 0%, var(--navy) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 18px rgba(15,37,64,.25);
}

.arc-trans-initials {
  color: #fcd34d;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 16px;
  line-height: 1.15;
  text-align: center;
  letter-spacing: .5px;
}

/* ── Main Content ── */
.arc-trans-content {
  flex: 1;
  min-width: 0;
}

.arc-trans-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(16px, 2.5vw, 20px);
  color: var(--charcoal);
  margin: 0 0 10px;
  line-height: 1.25;
}

.arc-trans-text {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.75;
  margin: 0 0 18px;
}
.arc-trans-text strong {
  color: var(--charcoal);
  font-weight: 700;
}
.arc-trans-text a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: rgba(26,58,92,.3);
  text-underline-offset: 2px;
}

/* ── Trust Badges ── */
.arc-trans-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}

.arc-trans-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--charcoal);
  background: var(--bg);
  border: 1px solid var(--border);
  padding: 5px 12px;
  border-radius: 20px;
  white-space: nowrap;
}

.arc-trans-chk {
  color: var(--green);
  font-weight: 900;
  font-size: 13px;
}

/* ── Stats Row ── */
.arc-trans-stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 12px;
  margin-bottom: 18px;
}

.arc-trans-stat {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 16px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: border-color .2s;
}
.arc-trans-stat:hover {
  border-color: var(--navy);
}

.arc-trans-stat-icon {
  font-size: 22px;
  flex-shrink: 0;
}

.arc-trans-stat-text {
  min-width: 0;
}

.arc-trans-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.3;
}

.arc-trans-stat-lbl {
  font-size: 11px;
  color: var(--gray);
  line-height: 1.35;
}

/* ── Stats Strip ── */
.arc-trans-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 12px;
  margin-bottom: 18px;
}

.arc-trans-strip-card {
  text-align: center;
  padding: 16px 12px;
  background: linear-gradient(135deg, var(--navy2) 0%, var(--navy) 100%);
  border-radius: var(--radius);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.arc-trans-strip-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(60deg, rgba(255,255,255,.02) 0, rgba(255,255,255,.02) 1px, transparent 1px, transparent 12px);
  pointer-events: none;
}

.arc-trans-strip-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: clamp(16px, 2.5vw, 22px);
  color: #fcd34d;
  margin-bottom: 3px;
  position: relative;
}

.arc-trans-strip-lbl {
  font-size: 11px;
  color: rgba(255,255,255,.8);
  line-height: 1.35;
  position: relative;
}

/* ── Government Authority Strip ── */
.arc-trans-gov-strip {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 20px;
}

.arc-trans-gov-label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 11.5px;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .6px;
}

.arc-trans-gov-divider {
  height: 1px;
  background: var(--border);
  margin: 10px 0;
}

.arc-trans-gov-links {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.arc-trans-gov-link {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 5px 12px;
  border-radius: 6px;
  background: rgba(26,58,92,.06);
  transition: all .2s;
  white-space: nowrap;
}
.arc-trans-gov-link:hover {
  background: rgba(26,58,92,.12);
  color: var(--navy2);
}


/* ============================================================
   RESPONSIVE — Mobile Optimization
   ============================================================ */

@media (max-width: 768px) {
  /* Disclaimer Section */
  #co-disclaimer-section {
    padding: 0 10px;
    margin-top: 24px;
  }
  .bld-header {
    flex-direction: column;
    padding: 20px 18px 16px;
    gap: 12px;
  }
  .bld-header-icon {
    width: 44px;
    height: 44px;
    font-size: 22px;
  }
  .bld-header-title {
    font-size: 16px;
  }
  .bld-header-sub {
    font-size: 12px;
  }
  .bld-body {
    padding: 18px 16px;
  }
  .bld-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .bld-clause {
    padding: 16px;
    gap: 12px;
  }
  .bld-clause-icon {
    width: 38px;
    height: 38px;
    font-size: 18px;
  }
  .bld-clause-title {
    font-size: 13px;
  }
  .bld-clause-text {
    font-size: 12px;
  }
  .bld-full-text {
    padding: 18px 16px;
  }
  .bld-full-text p {
    font-size: 12px;
  }
  .bld-gov-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }
  .bld-gov-card {
    padding: 12px 14px;
    gap: 10px;
  }
  .bld-gov-flag {
    width: 36px;
    height: 36px;
    font-size: 16px;
  }
  .bld-gov-name {
    font-size: 12px;
  }
  .bld-gov-full {
    font-size: 10.5px;
  }
  .bld-gov-relevance {
    font-size: 10.5px;
  }
  .bld-gov-ext {
    font-size: 9px;
    padding: 3px 8px;
  }
  .bld-footer-row {
    flex-direction: column;
    align-items: flex-start;
    padding: 14px 16px;
    gap: 10px;
  }
  .bld-footer-left {
    font-size: 10.5px;
  }
  .bld-footer-links {
    gap: 5px;
  }
  .bld-footer-links a {
    font-size: 10.5px;
    padding: 4px 10px;
  }

  /* Transparency Section */
  .arc-transparency-section {
    padding: 0 10px;
    margin: 20px auto 28px;
  }
  .arc-transparency-inner {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 24px 18px;
    gap: 16px;
  }
  .arc-trans-logo {
    width: 60px;
    height: 60px;
  }
  .arc-trans-initials {
    font-size: 14px;
  }
  .arc-trans-title {
    font-size: 16px;
  }
  .arc-trans-text {
    font-size: 12px;
    text-align: left;
  }
  .arc-trans-badges {
    justify-content: center;
    gap: 6px;
  }
  .arc-trans-badge {
    font-size: 10.5px;
    padding: 4px 10px;
  }
  .arc-trans-stats-row {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
  .arc-trans-stat {
    padding: 12px;
    gap: 8px;
  }
  .arc-trans-stat-icon {
    font-size: 18px;
  }
  .arc-trans-stat-val {
    font-size: 12px;
  }
  .arc-trans-stat-lbl {
    font-size: 10px;
  }
  .arc-trans-strip {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
  .arc-trans-strip-card {
    padding: 14px 10px;
  }
  .arc-trans-strip-num {
    font-size: 16px;
  }
  .arc-trans-strip-lbl {
    font-size: 10px;
  }
  .arc-trans-gov-strip {
    padding: 14px 16px;
  }
  .arc-trans-gov-label {
    font-size: 10.5px;
  }
  .arc-trans-gov-links {
    gap: 5px;
  }
  .arc-trans-gov-link {
    font-size: 10.5px;
    padding: 4px 10px;
  }
}

@media (max-width: 480px) {
  .bld-header-title {
    font-size: 15px;
  }
  .bld-clause {
    flex-direction: column;
    gap: 10px;
    text-align: center;
    align-items: center;
  }
  .bld-gov-card {
    flex-direction: column;
    text-align: center;
    align-items: center;
    padding: 14px;
  }
  .bld-gov-ext {
    align-self: center;
  }
  .arc-trans-stats-row {
    grid-template-columns: 1fr;
  }
  .arc-trans-strip {
    grid-template-columns: 1fr;
  }
  .arc-trans-stat {
    flex-direction: column;
    text-align: center;
  }
}

/* ── Print Styles ── */
@media print {
  .bld-box, .arc-transparency-inner {
    box-shadow: none;
    border: 1px solid #ccc;
  }
  .bld-header {
    background: #1a3a5c !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }
  .bld-gov-card:hover,
  .bld-clause:hover,
  .arc-trans-stat:hover {
    transform: none;
    box-shadow: none;
  }
}