:root {
      --p1: #002868;
      --p1m: #003580;
      --p1d: #00183F;
      --p3: #1D1D1F;
      --p4: #5F6368;
      --p5: #E0E4E8;
      --p6: #F7F9FC;
      --p7: #FFFFFF;
      --p8: #BF0A30;
      --p8h:#9B0826;
      --p9: #00875A;
      --p9h:#006644;
      --sh1: 0 1px 4px rgba(0,40,104,.08);
      --sh2: 0 4px 20px rgba(0,40,104,.12);
      --sh3: 0 8px 40px rgba(0,40,104,.16);
    }
    *,*::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(--p4);background:var(--p6);line-height:1.6;-webkit-font-smoothing:antialiased}
    a{text-decoration:none;color:inherit}

    /* ── WRAPPER ── */
    .calc-wrapper{max-width:1120px;margin:0 auto;padding:36px 20px 60px}

    /* ── HEADER ── */
    .calc-header{text-align:center;margin-bottom:32px}
    .calc-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);color:var(--p1);font-size:11px;font-weight:700;padding:4px 12px;border-radius:20px;margin-bottom:14px;font-family:'Montserrat',sans-serif;letter-spacing:.3px;text-transform:uppercase}
    .calc-header h1{font-family:'Montserrat',sans-serif;font-size:clamp(1.55rem,3vw,2.1rem);font-weight:800;color:var(--p1);margin-bottom:10px;line-height:1.2}
    .calc-header p{font-size:14.5px;color:var(--p4);max-width:660px;margin:0 auto}

    /* ── MAIN GRID ── */
    .calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
    @media(max-width:800px){.calc-grid{grid-template-columns:1fr}}

    /* ── PANELS ── */
    .calc-panel{background:var(--p7);border-radius:14px;border:1px solid var(--p5);box-shadow:var(--sh1);padding:28px}
    .panel-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.5px;margin-bottom:22px;padding-bottom:12px;border-bottom:2px solid var(--p5);display:flex;align-items:center;gap:8px}
    .pt-icon{font-size:16px}

    /* ── LEASE TYPE ── */
    .lt-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:22px}
    @media(max-width:480px){.lt-grid{grid-template-columns:repeat(2,1fr)}}
    .lt-btn{padding:10px 5px;background:var(--p6);border:2px solid var(--p5);border-radius:8px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p4);cursor:pointer;text-align:center;transition:all .2s;line-height:1.3}
    .lt-btn:hover{border-color:var(--p1);color:var(--p1)}
    .lt-btn.active{background:var(--p1);border-color:var(--p1);color:#fff}
    .lt-tag{display:block;font-size:9.5px;font-weight:500;opacity:.8;margin-top:2px}

    /* ── FORM SECTIONS ── */
    .fsec{margin-bottom:20px}
    .slabel{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.4px;margin-bottom:10px;padding:5px 0 5px 10px;border-left:3px solid var(--p8);background:rgba(0,40,104,.03)}
    .frow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}
    .frow.single{grid-template-columns:1fr}
    @media(max-width:480px){.frow{grid-template-columns:1fr}}
    .fwrap{display:flex;flex-direction:column;gap:4px}
    .fwrap label{font-size:12.5px;font-weight:600;color:var(--p3)}
    .fhint{font-size:11px;color:var(--p4);opacity:.8}
    .iafx{display:flex;align-items:center;border:1.5px solid var(--p5);border-radius:7px;background:var(--p7);overflow:hidden;transition:border-color .2s,box-shadow .2s}
    .iafx:focus-within{border-color:var(--p1);box-shadow:0 0 0 3px rgba(0,40,104,.10)}
    .afsym{padding:0 10px;background:var(--p6);color:var(--p4);font-size:13px;font-weight:600;border-right:1.5px solid var(--p5);min-height:38px;display:flex;align-items:center;white-space:nowrap}
    .afsym.suf{border-right:none;border-left:1.5px solid var(--p5)}
    .iafx input{flex:1;border:none;outline:none;padding:9px 12px;font-size:13.5px;color:var(--p3);font-family:'Inter',sans-serif;background:transparent;min-width:0}
    .iafx input::placeholder{color:#b8bec6}
    .nnn-section{display:none}
    .nnn-section.vis{display:block}

    /* ── ACTIONS ── */
    .calc-actions{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap}
    .btn-calc{flex:1;min-width:130px;padding:13px 18px;background:var(--p9);color:#fff;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;border:none;border-radius:8px;cursor:pointer;transition:background .2s,transform .15s;display:flex;align-items:center;justify-content:center;gap:7px}
    .btn-calc:hover{background:var(--p9h);transform:translateY(-1px)}
    .btn-pdf,.btn-wa{padding:13px 15px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;border:2px solid var(--p5);border-radius:8px;cursor:pointer;display:none;align-items:center;gap:6px;transition:all .2s}
    .btn-pdf{background:var(--p7);color:var(--p1)}
    .btn-pdf:hover{border-color:var(--p1);background:var(--p6)}
    .btn-wa{background:#25D366;color:#fff;border-color:#25D366}
    .btn-wa:hover{background:#1da851;border-color:#1da851}
    .btn-pdf.vis,.btn-wa.vis{display:flex}
    .btn-clear{padding:13px 15px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;border:2px solid var(--p5);border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:6px;transition:all .2s;background:var(--p7);color:var(--p4)}
    .btn-clear:hover{border-color:var(--p8);color:var(--p8);background:#fff5f5}
    .btn-clear:active{transform:scale(.97)}

    /* ── RESULTS ── */
    .res-placeholder{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:56px 20px;text-align:center;color:var(--p4)}
    .res-placeholder .ph-icon{font-size:3rem;margin-bottom:16px;opacity:.35}
    .res-placeholder p{font-size:14px;opacity:.7;max-width:260px;line-height:1.6}
    .res-panel{display:none}
    .res-panel.vis{display:block}

    /* ── METRIC CARDS ── */
    .mcard-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
    .mcard{background:var(--p6);border-radius:10px;padding:15px 14px;border:1px solid var(--p5)}
    .mcard.hl{background:linear-gradient(135deg,var(--p1) 0%,var(--p1m) 100%);border-color:var(--p1);grid-column:span 2}
    .mcard.ner{background:linear-gradient(135deg,#f0fdf4 0%,#dcfce7 100%);border-color:var(--p9);grid-column:span 2}
    .mcard.hl .mlabel{color:rgba(255,255,255,.7)}
    .mcard.hl .mval{color:#fff;font-size:1.75rem}
    .mcard.hl .msub{color:rgba(255,255,255,.6)}
    .mcard.ner .mval{color:var(--p9)}
    .mlabel{font-size:10.5px;font-weight:600;color:var(--p4);text-transform:uppercase;letter-spacing:.4px;margin-bottom:5px}
    .mval{font-family:'Montserrat',sans-serif;font-size:1.3rem;font-weight:800;color:var(--p1);line-height:1.1}
    .msub{font-size:11px;color:var(--p4);margin-top:4px}
    @media(max-width:800px){.mcard-grid{grid-template-columns:1fr}.mcard.hl,.mcard.ner{grid-column:span 1}}

    /* ── BREAKDOWN ── */
    .bdn-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid var(--p5);font-size:13px}
    .bdn-row:last-child{border-bottom:none}
    .bdn-row .bl{color:var(--p4)}
    .bdn-row .bv{font-weight:700;color:var(--p3);font-family:'Courier New',monospace}
    .bdn-row.tot .bl{font-weight:700;color:var(--p1);font-size:13.5px}
    .bdn-row.tot .bv{color:var(--p1);font-size:14px}
    .bdn-row.save .bv{color:var(--p9)}
    .bdn-sep{margin:16px 0 12px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.4px}

    /* ── YEAR TABLE ── */
    .ytbl-wrap{margin-top:20px;overflow-x:auto}
    .ytbl-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.4px;margin-bottom:10px}
    .ytbl{width:100%;border-collapse:collapse;font-size:12.5px}
    .ytbl thead{background:var(--p1);color:#fff}
    .ytbl thead th{padding:9px 10px;text-align:right;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700}
    .ytbl thead th:first-child{text-align:left}
    .ytbl tbody tr:nth-child(even){background:var(--p6)}
    .ytbl tbody td{padding:8px 10px;text-align:right;color:var(--p3);font-family:'Courier New',monospace;border-bottom:1px solid var(--p5)}
    .ytbl tbody td:first-child{text-align:left;font-family:'Inter',sans-serif;font-weight:600;color:var(--p1)}
    .ytbl tfoot td{background:linear-gradient(135deg,#dcfce7 0%,#f0fdf4 100%);color:var(--p9);font-weight:700;padding:10px;font-family:'Montserrat',sans-serif;font-size:12px;text-align:right;border-top:2px solid var(--p9)}
    .ytbl tfoot td:first-child{text-align:left}

    /* ── INFO BOX ── */
    .info-box{background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.14);border-radius:8px;padding:12px 14px;margin-top:14px;font-size:12.5px;color:var(--p4);line-height:1.65}
    .info-box strong{color:var(--p1)}
    .info-box.warn{background:rgba(191,10,48,.04);border-color:rgba(191,10,48,.15)}
    .info-box.warn strong{color:var(--p8)}

    /* ── CHART ── */
    .chart-wrap{margin-top:22px;padding:18px;background:var(--p6);border-radius:10px;border:1px solid var(--p5)}
    .chart-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.4px;margin-bottom:12px}

    /* ── EXTRA METRICS ROW ── */
    .extra-mrow{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:16px 0}
    @media(max-width:600px){.extra-mrow{grid-template-columns:1fr 1fr}}
    .em-card{background:var(--p6);border:1px solid var(--p5);border-radius:9px;padding:12px 12px 10px;text-align:center}
    .em-num{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin-bottom:3px}
    .em-lbl{font-size:11px;color:var(--p4)}
 
/* ── How It Works Section Styles ── */
.hiw-section {
  background: var(--color-bg, #f7f6f2);
  padding: clamp(48px, 6vw, 96px) clamp(16px, 4vw, 48px);
  border-top: 1px solid oklch(from #28251d l c h / 0.1);
}

.hiw-container {
  max-width: 960px;
  margin: 0 auto;
}

.hiw-header {
  margin-bottom: 48px;
}

.hiw-eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #01696f;
  background: #cedcd8;
  padding: 4px 10px;
  border-radius: 9999px;
  margin-bottom: 12px;
}

.hiw-header h2 {
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 700;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 12px;
}

.hiw-intro {
  font-size: 1rem;
  color: #4a4a4a;
  max-width: 72ch;
  line-height: 1.7;
}

.hiw-subhead {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  font-weight: 700;
  color: #002868;
  margin-bottom: 24px;
  padding-bottom: 10px;
  border-bottom: 2px solid #002868;
  display: inline-block;
}

.hiw-divider {
  border: none;
  border-top: 1px solid oklch(from #28251d l c h / 0.1);
  margin: 48px 0;
}

/* Steps */
.hiw-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.hiw-step {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 16px;
  align-items: start;
}

.hiw-step-num {
  width: 44px;
  height: 44px;
  background: #002868;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}

.hiw-step-body strong {
  display: block;
  font-size: 1rem;
  font-weight: 700;
  color: #002868;
  margin-bottom: 6px;
}

.hiw-step-body p {
  font-size: 0.9375rem;
  color: #4a4a4a;
  line-height: 1.7;
  max-width: 72ch;
}

/* Fields Grid */
.hiw-fields-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(280px, 100%), 1fr));
  gap: 16px;
}

.hiw-field-card {
  background: #fff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 10px;
  padding: 18px 20px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.hiw-field-label {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #01696f;
  margin-bottom: 8px;
}

.hiw-field-card p {
  font-size: 0.875rem;
  color: #4a4a4a;
  line-height: 1.65;
  max-width: 100%;
}

/* Formulas */
.hiw-formula-list {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(340px, 100%), 1fr));
  gap: 16px;
}

.hiw-formula-card {
  background: #fff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 10px;
  padding: 18px 20px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.hiw-formula-title {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #002868;
  margin-bottom: 10px;
}

.hiw-formula-box {
  background: #f0f4f8;
  border-left: 3px solid #002868;
  border-radius: 0 6px 6px 0;
  padding: 10px 14px;
  font-family: 'Courier New', monospace;
  font-size: 0.8125rem;
  color: #002868;
  line-height: 1.6;
  margin-bottom: 10px;
}

.hiw-formula-note {
  font-size: 0.8125rem;
  color: #5a5a5a;
  line-height: 1.65;
  max-width: 100%;
}

/* Lease Types */
.hiw-types-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(200px, 100%), 1fr));
  gap: 16px;
}

.hiw-type-card {
  background: #fff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 10px;
  padding: 18px 20px;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.hiw-type-badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 9999px;
  margin-bottom: 10px;
  letter-spacing: 0.03em;
}

.hiw-badge-gross { background: #d4dfcc; color: #1e3f0a; }
.hiw-badge-n     { background: #c6d8e4; color: #0b3751; }
.hiw-badge-nn    { background: #e9e0c6; color: #8a5b00; }
.hiw-badge-nnn   { background: #dececb; color: #521f24; }

.hiw-type-card p {
  font-size: 0.875rem;
  color: #4a4a4a;
  line-height: 1.65;
}

/* Glossary */
.hiw-glossary {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.hiw-gloss-item {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 16px 24px;
  padding: 16px 0;
  border-bottom: 1px solid rgba(0,0,0,0.07);
  align-items: start;
}

.hiw-gloss-item:last-child {
  border-bottom: none;
}

.hiw-gloss-item dt {
  font-size: 0.875rem;
  font-weight: 700;
  color: #002868;
  line-height: 1.5;
}

.hiw-gloss-item dd {
  font-size: 0.875rem;
  color: #4a4a4a;
  line-height: 1.7;
  margin: 0;
}

/* Disclaimer */
.hiw-disclaimer {
  background: #f0f4f8;
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 10px;
  padding: 18px 22px;
  margin-top: 40px;
}

.hiw-disclaimer p {
  font-size: 0.8125rem;
  color: #555;
  line-height: 1.65;
  max-width: 100%;
}

/* Dark mode support */
@media (prefers-color-scheme: dark) {
  .hiw-section { background: #1c1b19; border-top-color: rgba(255,255,255,0.08); }
  .hiw-header h2, .hiw-subhead, .hiw-step-body strong, .hiw-gloss-item dt { color: #e0ddd6; }
  .hiw-intro, .hiw-step-body p, .hiw-field-card p, .hiw-formula-note, .hiw-type-card p, .hiw-gloss-item dd { color: #a8a6a2; }
  .hiw-field-card, .hiw-formula-card, .hiw-type-card { background: #201f1d; border-color: rgba(255,255,255,0.08); box-shadow: none; }
  .hiw-formula-box { background: #2d2c2a; border-left-color: #4f98a3; color: #a8d8dd; }
  .hiw-disclaimer { background: #201f1d; border-color: rgba(255,255,255,0.08); }
  .hiw-disclaimer p { color: #888; }
  .hiw-divider { border-top-color: rgba(255,255,255,0.08); }
  .hiw-gloss-item { border-bottom-color: rgba(255,255,255,0.07); }
  .hiw-eyebrow { background: #313b3b; color: #4f98a3; }
}

/* Responsive: stack glossary on mobile */
@media (max-width: 600px) {
  .hiw-gloss-item { grid-template-columns: 1fr; gap: 4px; }
  .hiw-step { grid-template-columns: 36px 1fr; }
  .hiw-step-num { width: 36px; height: 36px; font-size: 0.875rem; }
}

/* ============================================================
   5 PRO TIPS — Section Styles
   Brand: Navy #002868 | Red #BF0A30 | Green #00875A
   ============================================================ */

.protips-section {
  background: #ffffff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', 'Segoe UI', sans-serif;
  color: #1a1f2e;
}

.protips-container {
  max-width: 1100px;
  margin-inline: auto;
}

/* --- Header --- */
.protips-eyebrow {
  display: inline-flex;
  align-items: center;
  background: #fff0f2;
  color: #BF0A30;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.85rem;
  border-radius: 9999px;
  margin-bottom: 0.85rem;
  border: 1px solid #fcd5da;
}

.protips-section h2 {
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
  max-width: 820px;
}

.protips-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2.5rem;
}

/* --- Tip Cards --- */
.protips-list {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  list-style: none;
  padding: 0;
  margin: 0 0 2.5rem;
}

.protip-card {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  background: #f7f8fa;
  border: 1px solid #e2e8f0;
  border-radius: 0.75rem;
  padding: 1.5rem 1.75rem;
  position: relative;
  transition: box-shadow 200ms ease, transform 200ms ease;
}

.protip-card:hover {
  box-shadow: 0 6px 24px rgba(0, 40, 104, 0.1);
  transform: translateY(-2px);
}

/* Accent left bar on hover */
.protip-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background: #002868;
  border-radius: 0.75rem 0 0 0.75rem;
  opacity: 0;
  transition: opacity 200ms ease;
}

.protip-card:hover::before {
  opacity: 1;
}

/* Tip Number */
.protip-number {
  flex-shrink: 0;
  width: 3rem;
  height: 3rem;
  background: #002868;
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 900;
  letter-spacing: 0.02em;
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.2rem;
}

/* Tip Body */
.protip-body {
  flex: 1;
  min-width: 0;
}

.protip-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #00875A;
  background: #d1fae5;
  border-radius: 9999px;
  padding: 0.18rem 0.6rem;
  margin-bottom: 0.5rem;
  border: 1px solid #a7f3d0;
}

.protip-body h3 {
  font-size: clamp(1rem, 2vw, 1.1rem);
  font-weight: 700;
  color: #002868;
  line-height: 1.3;
  margin-bottom: 0.65rem;
}

.protip-body p {
  font-size: 0.9rem;
  color: #4a5568;
  line-height: 1.75;
  max-width: 78ch;
}

.protip-body p strong {
  color: #002868;
  font-weight: 700;
}

.protip-body p em {
  color: #BF0A30;
  font-style: normal;
  font-weight: 600;
}

/* Stat Pill */
.protip-stat {
  display: inline-flex;
  align-items: baseline;
  gap: 0.5rem;
  margin-top: 1rem;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 0.5rem;
  padding: 0.5rem 0.85rem;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
}

.protip-stat-value {
  font-size: 1.15rem;
  font-weight: 900;
  color: #BF0A30;
  white-space: nowrap;
}

.protip-stat-label {
  font-size: 0.75rem;
  color: #718096;
  line-height: 1.4;
  max-width: 55ch;
}

/* --- CTA Banner --- */
.protips-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  background: #002868;
  border-radius: 0.75rem;
  padding: 1.5rem 2rem;
  flex-wrap: wrap;
}

.protips-cta-text {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  color: #ffffff;
}

.protips-cta-text strong {
  font-size: 1.05rem;
  font-weight: 800;
  color: #ffffff;
}

.protips-cta-text span {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.78);
  max-width: 58ch;
  line-height: 1.5;
}

.protips-cta-btn {
  display: inline-block;
  background: #00875A;
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.75rem 1.5rem;
  border-radius: 0.5rem;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 180ms ease, transform 180ms ease;
}

.protips-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
}

.protips-cta-btn:active {
  transform: translateY(0);
}

/* --- Responsive --- */
@media (max-width: 640px) {
  .protip-card {
    flex-direction: column;
    gap: 0.85rem;
    padding: 1.25rem;
  }

  .protip-number {
    width: 2.25rem;
    height: 2.25rem;
    font-size: 0.72rem;
  }

  .protip-stat {
    flex-direction: column;
    gap: 0.2rem;
    align-items: flex-start;
  }

  .protips-cta {
    flex-direction: column;
    align-items: flex-start;
    padding: 1.25rem;
  }

  .protips-cta-btn {
    width: 100%;
    text-align: center;
  }
}

/* ============================================================
   5 REAL US EXAMPLES — Section Styles
   Brand: USFinanceCalculators.com
   Aligned to Root Variables & Global Design Language
   ============================================================ */

/* ---------- Section Wrapper ---------- */
.us-examples-section {
  background: var(--p6); /* Light grey background */
  border-top: 3px solid var(--p5);
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: var(--p3);
}

.examples-container {
  max-width: 1120px;
  margin-inline: auto;
}

/* ---------- Section Header ---------- */
.examples-eyebrow {
  display: inline-flex;
  align-items: center;
  background: rgba(0, 40, 104, 0.08);
  color: var(--p1);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.35rem 0.85rem;
  border-radius: 9999px;
  margin-bottom: 1rem;
  border: 1px solid rgba(0, 40, 104, 0.15);
}

.examples-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.55rem, 3vw, 2.1rem);
  font-weight: 800;
  color: var(--p1);
  line-height: 1.2;
  margin-bottom: 0.85rem;
}

.examples-header p {
  font-size: 15px;
  color: var(--p4);
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 3rem;
}

/* ---------- Example Cards Grid ---------- */
.examples-grid {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  margin-bottom: 3.5rem;
}

.example-card {
  background: var(--p7);
  border: 1px solid var(--p5);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--sh1);
  position: relative;
}

/* ---------- Top Badge ---------- */
.example-badge {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
}

.example-badge.office     { background: rgba(0, 40, 104, 0.08); color: var(--p1); }
.example-badge.retail     { background: rgba(0, 135, 90, 0.1); color: var(--p9); }
.example-badge.industrial { background: rgba(217, 119, 6, 0.15); color: #92400e; }
.example-badge.medical    { background: rgba(191, 10, 48, 0.08); color: var(--p8); }

/* ---------- Card Header ---------- */
.example-header {
  padding: 1.5rem 1.5rem 1rem;
  border-bottom: 1px solid var(--p5);
}

.example-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
  flex-wrap: wrap;
}

.example-city {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--p4);
}

.example-type-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.2rem 0.5rem;
  border-radius: 4px;
}

.example-type-tag.nnn   { background: #fee2e2; color: #991b1b; }
.example-type-tag.nn    { background: #fef3c7; color: #92400e; }
.example-type-tag.gross { background: #d1fae5; color: #065f46; }

.example-header h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--p1);
  margin-bottom: 0.5rem;
  padding-right: 5rem; /* Space for the top badge */
}

.example-scenario {
  font-size: 14px;
  color: var(--p4);
  line-height: 1.6;
}

/* ---------- Two Column Layout (Inputs & Results) ---------- */
.example-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
}

@media (max-width: 768px) {
  .example-two-col { grid-template-columns: 1fr; }
}

/* Left Column: Inputs */
.example-inputs {
  padding: 1.5rem;
  border-right: 1px solid var(--p5);
  background: var(--p7);
}

@media (max-width: 768px) {
  .example-inputs { border-right: none; border-bottom: 1px solid var(--p5); }
}

.example-inputs h4, .example-results h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--p1);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}

.example-table {
  width: 100%;
  border-collapse: collapse;
}

.example-table td {
  padding: 0.4rem 0;
  font-size: 13.5px;
  color: var(--p4);
  border-bottom: 1px dashed var(--p5);
}

.example-table tr:last-child td {
  border-bottom: none;
}

.example-table td.val {
  font-weight: 600;
  color: var(--p3);
  text-align: right;
  font-family: 'Courier New', monospace;
}

/* Right Column: Results */
.example-results {
  padding: 1.5rem;
  background: var(--p6); /* Very light grey */
}

.result-highlight {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 1rem;
  border-radius: 8px;
  margin-bottom: 0.75rem;
  background: var(--p7);
  border: 1px solid var(--p5);
}

.result-highlight.primary {
  background: var(--p1);
  border-color: var(--p1d);
}

.result-highlight.primary .rh-label { color: rgba(255,255,255,0.8); }
.result-highlight.primary .rh-value { color: #ffffff; }

.result-highlight.accent {
  background: #f0fdf4;
  border-color: #bbf7d0;
}

.result-highlight.accent .rh-label { color: #166534; }
.result-highlight.accent .rh-value { color: var(--p9); }

.rh-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--p4);
}

.rh-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--p1);
}

.result-grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 1rem;
}

.rg-item {
  background: var(--p7);
  border: 1px solid var(--p5);
  border-radius: 8px;
  padding: 0.75rem;
  text-align: center;
}

.rg-label {
  display: block;
  font-size: 11px;
  color: var(--p4);
  margin-bottom: 0.25rem;
}

.rg-value {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--p3);
}

/* ---------- Card Footer / Insight ---------- */
.example-insight {
  padding: 1.25rem 1.5rem;
  background: #fffbeb; /* Light amber */
  border-top: 1px solid #fde68a;
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
}

.insight-icon {
  font-size: 1.2rem;
  margin-top: 0.1rem;
}

.example-insight p {
  font-size: 13px;
  color: #92400e;
  line-height: 1.6;
  margin: 0;
}

.example-insight strong {
  font-weight: 700;
  color: #78350f;
}

/* ---------- Rate Reference Table ---------- */
.rate-reference {
  background: var(--p7);
  border: 1px solid var(--p5);
  border-radius: 14px;
  padding: 2rem;
  box-shadow: var(--sh1);
}

.rate-reference h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--p1);
  margin-bottom: 0.5rem;
}

.rate-reference p {
  font-size: 14px;
  color: var(--p4);
  margin-bottom: 1.5rem;
}

.rate-table-wrap {
  overflow-x: auto;
  border-radius: 8px;
  border: 1px solid var(--p5);
}

.rate-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 700px;
}

.rate-table thead {
  background: var(--p1);
  color: #fff;
}

.rate-table th {
  padding: 1rem;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.03em;
}

.rate-table td {
  padding: 0.85rem 1rem;
  font-size: 13.5px;
  color: var(--p3);
  border-bottom: 1px solid var(--p5);
}

.rate-table tbody tr:last-child td {
  border-bottom: none;
}

.rate-table tbody tr:nth-child(even) {
  background: var(--p6);
}

.rate-note {
  margin-top: 1.25rem !important;
  font-size: 12.5px !important;
  color: var(--p8) !important;
  font-weight: 500;
  background: rgba(191, 10, 48, 0.05);
  padding: 0.75rem 1rem;
  border-radius: 6px;
  border-left: 3px solid var(--p8);
}

.faq-section {
  background: #ffffff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', 'Segoe UI', sans-serif;
}

.faq-container {
  max-width: 860px;
  margin-inline: auto;
}

/* Header */
.faq-header {
  margin-bottom: 2.5rem;
}

.faq-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}

.faq-header h2 {
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.7rem;
}

.faq-intro {
  font-size: 0.95rem;
  color: #4a5568;
  line-height: 1.7;
  max-width: 72ch;
  margin-bottom: 1rem;
}

.faq-stats {
  display: flex;
  gap: 1.25rem;
  flex-wrap: wrap;
}

.faq-stats span {
  font-size: 0.75rem;
  font-weight: 600;
  color: #718096;
  background: #f7f8fa;
  border: 1px solid #e2e8f0;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
}

/* Category Block */
.faq-category {
  margin-bottom: 2rem;
}

.faq-category-title {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 1rem;
  font-weight: 700;
  color: #002868;
  margin-bottom: 0.85rem;
  padding-bottom: 0.6rem;
  border-bottom: 2px solid #e2e8f0;
}

.faq-category-title svg {
  color: #00875A;
  flex-shrink: 0;
}

/* FAQ Item */
.faq-item {
  border: 1px solid #e2e8f0;
  border-radius: 0.5rem;
  margin-bottom: 0.5rem;
  overflow: hidden;
  background: #ffffff;
  transition: box-shadow 180ms ease;
}

.faq-item:hover {
  box-shadow: 0 2px 8px rgba(0, 40, 104, 0.07);
}

.faq-item.is-open {
  border-color: #002868;
  box-shadow: 0 0 0 1px rgba(0, 40, 104, 0.12);
}

/* Question Button */
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 1.1rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: 0.9rem;
  font-weight: 600;
  color: #1a1f2e;
  line-height: 1.45;
  transition: background 150ms ease, color 150ms ease;
}

.faq-question:hover {
  background: #f7f8fa;
  color: #002868;
}

.faq-item.is-open .faq-question {
  background: #f0f4fb;
  color: #002868;
}

/* Chevron Icon */
.faq-chevron {
  flex-shrink: 0;
  color: #9ca3af;
  transition: transform 260ms cubic-bezier(0.16, 1, 0.3, 1), color 150ms ease;
}

.faq-item.is-open .faq-chevron {
  transform: rotate(180deg);
  color: #002868;
}

/* Answer Panel */
.faq-answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height 300ms cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-answer[hidden] {
  display: block !important; /* override hidden for animation */
  visibility: hidden;
  max-height: 0;
}

.faq-item.is-open .faq-answer {
  max-height: 600px;
  visibility: visible;
}

.faq-answer-inner {
  padding: 0 1.1rem 1rem;
  border-top: 1px solid #e2e8f0;
}

.faq-answer p {
  font-size: 0.875rem;
  color: #374151;
  line-height: 1.75;
  max-width: 72ch;
  padding-top: 0.75rem;
}

.faq-answer p strong {
  color: #002868;
  font-weight: 700;
}

.faq-answer p em {
  color: #4a5568;
  font-style: italic;
}

/* Mobile */
@media (max-width: 600px) {
  .faq-question {
    font-size: 0.85rem;
    padding: 0.85rem 0.9rem;
  }
  .faq-answer-inner {
    padding: 0 0.9rem 0.9rem;
  }
  .faq-stats {
    gap: 0.5rem;
  }
}

/* Section Wrapper */
.related-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', 'Segoe UI', sans-serif;
}

.related-container {
  max-width: 1100px;
  margin-inline: auto;
}

/* Header */
.related-header {
  margin-bottom: 2rem;
}

.related-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.75rem;
}

.related-header h2 {
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.6rem;
}

.related-intro {
  font-size: 0.95rem;
  color: #4a5568;
  line-height: 1.7;
  max-width: 65ch;
}

/* Primary Featured Grid — 3 columns */
.related-primary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(300px, 100%), 1fr));
  gap: 1rem;
  margin-bottom: 1rem;
}

/* Secondary Grid — 3 columns, smaller cards */
.related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(280px, 100%), 1fr));
  gap: 0.75rem;
  margin-bottom: 2rem;
}

/* Base Card */
.related-card {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 0.625rem;
  padding: 1.125rem;
  text-decoration: none;
  color: inherit;
  box-shadow: 0 1px 3px rgba(0,0,0,0.05);
  transition: box-shadow 180ms ease, transform 180ms ease, border-color 180ms ease;
  position: relative;
}

.related-card:hover {
  box-shadow: 0 6px 20px rgba(0, 40, 104, 0.1);
  transform: translateY(-2px);
  border-color: #002868;
}

.related-card:focus-visible {
  outline: 2px solid #002868;
  outline-offset: 3px;
}

/* Featured cards — slightly more prominent */
.related-card--featured {
  padding: 1.25rem 1.25rem 1.25rem 1.125rem;
  flex-direction: column;
  gap: 0.75rem;
  align-items: flex-start;
}

.related-card--featured .related-card-icon {
  width: 44px;
  height: 44px;
  background: #eef3fb;
}

.related-card--featured .related-card-arrow {
  position: absolute;
  top: 1.125rem;
  right: 1.125rem;
}

/* Card Icon */
.related-card-icon {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  background: #f0f4fb;
  border-radius: 0.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #002868;
  transition: background 180ms ease;
}

.related-card-icon--sm {
  width: 34px;
  height: 34px;
}

.related-card:hover .related-card-icon {
  background: #dce6f7;
}

/* Card Body */
.related-card-body {
  flex: 1;
  min-width: 0;
}

.related-card-tag {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #00875A;
  margin-bottom: 0.3rem;
}

.related-card-body h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #002868;
  line-height: 1.3;
  margin-bottom: 0.35rem;
}

.related-card-body p {
  font-size: 0.78rem;
  color: #4a5568;
  line-height: 1.55;
  max-width: 100%;
}

/* Arrow icon for non-featured cards */
.related-card:not(.related-card--featured) .related-card-arrow {
  flex-shrink: 0;
  color: #cbd5e0;
  align-self: center;
  transition: color 180ms ease, transform 180ms ease;
}

.related-card:hover .related-card-arrow {
  color: #002868;
  transform: translateX(3px);
}

/* Footer CTA */
.related-footer {
  display: flex;
  justify-content: center;
  padding-top: 0.5rem;
}

.related-view-all {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #002868;
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 600;
  padding: 0.7rem 1.5rem;
  border-radius: 0.5rem;
  text-decoration: none;
  transition: background 180ms ease, box-shadow 180ms ease, transform 180ms ease;
}

.related-view-all:hover {
  background: #001a50;
  box-shadow: 0 4px 14px rgba(0, 40, 104, 0.25);
  transform: translateY(-1px);
}

.related-view-all svg {
  transition: transform 180ms ease;
}

.related-view-all:hover svg {
  transform: translateX(3px);
}

/* Mobile */
@media (max-width: 640px) {
  .related-primary-grid,
  .related-grid {
    grid-template-columns: 1fr;
  }

  .related-card--featured {
    flex-direction: row;
    align-items: flex-start;
    gap: 0.85rem;
  }

  .related-card--featured .related-card-icon {
    width: 38px;
    height: 38px;
  }

  .related-card--featured .related-card-arrow {
    position: static;
    align-self: center;
    margin-left: auto;
    flex-shrink: 0;
  }
}

/* ---- Transparency Section ---- */
.arc-transparency-section {
  background: #002868;
  padding: clamp(2rem, 5vw, 3.5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', 'Segoe UI', sans-serif;
}

.arc-transparency-inner {
  max-width: 1100px;
  margin-inline: auto;
  display: flex;
  align-items: flex-start;
  gap: 2rem;
}

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

.arc-trans-logo {
  width: 72px;
  height: 72px;
  background: #BF0A30;
  border-radius: 0.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(0,0,0,0.3);
}

.arc-trans-initials {
  color: #ffffff;
  font-size: 0.85rem;
  font-weight: 900;
  text-align: center;
  line-height: 1.2;
  letter-spacing: 0.04em;
}

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

.arc-trans-title {
  font-size: clamp(1.2rem, 2.5vw, 1.6rem);
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 0.75rem;
  line-height: 1.2;
}

.arc-trans-text {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.75;
  max-width: 72ch;
  margin-bottom: 1.25rem;
}

.arc-trans-text strong {
  color: #ffffff;
  font-weight: 700;
}

/* Badges */
.arc-trans-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.arc-trans-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: #ffffff;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.3rem 0.75rem;
  border-radius: 9999px;
  white-space: nowrap;
}

.arc-trans-chk {
  color: #4ade80;
  font-size: 0.7rem;
}

/* Government Authority Links */
.arc-gov-links-wrap {
  max-width: 1100px;
  margin: 1.75rem auto 0;
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 1.25rem;
}

.arc-gov-label {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.85rem;
}

.arc-gov-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.arc-gov-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.75);
  font-size: 0.75rem;
  font-weight: 500;
  padding: 0.3rem 0.75rem;
  border-radius: 0.375rem;
  text-decoration: none;
  transition: background 180ms ease, color 180ms ease, border-color 180ms ease;
}

.arc-gov-link:hover {
  background: rgba(255,255,255,0.15);
  color: #ffffff;
  border-color: rgba(255,255,255,0.35);
}

.arc-gov-link:focus-visible {
  outline: 2px solid rgba(255,255,255,0.6);
  outline-offset: 2px;
}

/* ---- Legal Disclaimer Section ---- */
.arc-disclaimer-section {
  background: #f7f8fa;
  border-top: 3px solid #e2e8f0;
  padding: clamp(2rem, 5vw, 3.5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', 'Segoe UI', sans-serif;
}

.arc-disclaimer-inner {
  max-width: 900px;
  margin-inline: auto;
}

/* Disclaimer Header */
.arc-disclaimer-header {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 2px solid #e2e8f0;
}

.arc-disclaimer-icon {
  color: #BF0A30;
  flex-shrink: 0;
}

.arc-disclaimer-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
}

/* Disclaimer Blocks */
.arc-disclaimer-body {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.arc-disclaimer-block {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 0.5rem;
  padding: 1rem 1.25rem;
}

.arc-disclaimer-block h3 {
  font-size: 0.82rem;
  font-weight: 700;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
}

.arc-disclaimer-block p {
  font-size: 0.8rem;
  color: #4a5568;
  line-height: 1.75;
  max-width: none;
}

.arc-disclaimer-block p strong {
  color: #1a202c;
  font-weight: 700;
}

.arc-disclaimer-block p a {
  color: #002868;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color 150ms ease;
}

.arc-disclaimer-block p a:hover {
  color: #BF0A30;
}

/* Disclaimer Footer */
.arc-disclaimer-footer {
  margin-top: 1.5rem;
  padding-top: 1rem;
  border-top: 1px solid #e2e8f0;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.arc-disclaimer-footer p {
  font-size: 0.72rem;
  color: #9ca3af;
  line-height: 1.5;
  max-width: none;
}

/* ---- Responsive ---- */
@media (max-width: 640px) {
  .arc-transparency-inner {
    flex-direction: column;
    gap: 1.25rem;
  }

  .arc-trans-logo {
    width: 56px;
    height: 56px;
  }

  .arc-trans-initials {
    font-size: 0.75rem;
  }

  .arc-trans-badges {
    gap: 0.4rem;
  }

  .arc-trans-badge {
    font-size: 0.68rem;
    padding: 0.25rem 0.6rem;
  }

  .arc-gov-links {
    gap: 0.4rem;
  }

  .arc-gov-link {
    font-size: 0.7rem;
  }

  .arc-disclaimer-block {
    padding: 0.875rem 1rem;
  }
}



/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}