:root{
  --navy:#002868;--navy-d:#001a45;--navy-l:#003a8c;--navy-xl:#e8ecf7;
  --red:#BF0A30;--red-l:#ffeaea;
  --green:#00875A;--green-l:#e6f5f0;
  --amber:#D97706;--amber-l:#fef3c7;
  --purple:#7c3aed;--purple-l:#ede9fe;
  --g50:#f8fafc;--g100:#f1f5f9;--g200:#e2e8f0;--g300:#cbd5e1;
  --g400:#94a3b8;--g500:#64748b;--g600:#475569;--g700:#334155;--g900:#0f172a;
  --r:10px;--rl:16px;
  --sh:0 1px 4px rgba(0,40,104,.07),0 4px 16px rgba(0,40,104,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--g50);color:var(--g900);font-size:14px;line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}

/* ── HEADER ── */
.hdr{background:var(--navy-d);position:relative;overflow:hidden;padding:48px 20px 40px;text-align:center}
.hdr-bg{position:absolute;inset:0;background:
  radial-gradient(ellipse 70% 60% at 15% 50%,rgba(0,58,140,.6) 0%,transparent 60%),
  radial-gradient(ellipse 50% 70% at 85% 30%,rgba(124,58,237,.15) 0%,transparent 55%),
  linear-gradient(155deg,#001a45 0%,#002868 55%,#003070 100%);z-index:0}
.hdr-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:40px 40px;z-index:1}
.hdr-inner{position:relative;z-index:2}
.hdr .brand{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:12px}
.hdr h1{font-size:clamp(22px,4.5vw,40px);font-weight:900;color:#fff;letter-spacing:-1px;line-height:1.1;margin-bottom:12px}
.hdr h1 em{font-style:normal;color:#7eb3ff}
.hdr .sub{color:rgba(255,255,255,.58);font-size:14px;max-width:640px;margin:0 auto 22px}
.pill-row{display:flex;flex-wrap:wrap;gap:7px;justify-content:center}
.pill{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:100px;padding:4px 13px;font-size:11px;font-weight:600;color:rgba(255,255,255,.72);font-family:'Montserrat',sans-serif;letter-spacing:.2px}
.pill.hi{background:rgba(0,135,90,.2);border-color:rgba(0,135,90,.35);color:#6ee7b7}

/* ── LAYOUT ── */
.wrap{max-width:1120px;margin:0 auto;padding:28px 16px 90px}
.card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:24px;margin-bottom:20px;border:1px solid var(--g200)}
.sec-ttl{display:flex;align-items:center;gap:10px;margin-bottom:18px;flex-wrap:wrap}
.sec-ttl .ico{width:32px;height:32px;border-radius:8px;background:var(--navy-xl);display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.sec-ttl div:last-child{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--navy)}
.sec-ttl .opt{font-size:11px;font-weight:400;color:var(--g400);margin-left:4px}

/* ── INPUTS ── */
.igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}
.igrid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px}
.fg{display:flex;flex-direction:column;gap:4px}
.fg label{font-size:11px;font-weight:700;color:var(--g600);display:flex;align-items:center;gap:5px;text-transform:uppercase;letter-spacing:.4px}
.irow{display:flex;align-items:center;border:1.5px solid var(--g200);border-radius:8px;overflow:hidden;background:#fff;transition:border-color .15s}
.irow:focus-within{border-color:var(--navy)}
.ipfx,.isfx{padding:0 10px;background:var(--g100);color:var(--g500);font-size:12px;font-weight:700;height:40px;display:flex;align-items:center;flex-shrink:0;border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif}
.isfx{border-right:none;border-left:1px solid var(--g200)}
.fg input,.fg select{flex:1;border:none;outline:none;padding:0 10px;font-family:'DM Sans',sans-serif;font-size:14px;height:40px;background:transparent;color:var(--g900);width:100%;min-width:0}
.fg select{cursor:pointer}
.hint{font-size:10px;color:var(--g400);line-height:1.3;margin-top:2px}

/* ── TOOLTIP ── */
.tip{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;background:var(--g200);border-radius:50%;font-size:8px;font-weight:700;color:var(--g500);cursor:help;position:relative}
.tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;min-width:180px;max-width:260px;z-index:99;line-height:1.4;text-align:center;white-space:normal;pointer-events:none;font-family:'DM Sans',sans-serif}

/* ── TOGGLE ── */
.tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px}
.tgb{flex:1;padding:8px 12px;border:none;background:transparent;border-radius:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;color:var(--g500);transition:all .18s;white-space:nowrap;letter-spacing:.2px;text-align:center}
.tgb.on{background:var(--navy);color:#fff;box-shadow:0 1px 6px rgba(0,40,104,.22)}

/* ── TABLE WRAPPER ── */
.table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ── CALC BTN ── */
.calc-btn{width:100%;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 45%,var(--navy-l) 100%);color:#fff;border:none;border-radius:var(--r);padding:15px 24px;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;cursor:pointer;letter-spacing:.3px;transition:transform .15s,box-shadow .15s;margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px}
.calc-btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,40,104,.28)}
.calc-btn:active{transform:none}

/* ── RESULTS ── */
.res{display:none}.res.on{display:block}

/* ── HERO BAND ── */
.hero-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,#1a4fc4 100%);border-radius:var(--rl);padding:28px;color:#fff;margin-bottom:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:20px;align-items:center}
.hm .hl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:rgba(255,255,255,.45);margin-bottom:5px;font-family:'Montserrat',sans-serif}
.hm .hv{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,30px);font-weight:900;line-height:1}
.hm .hs{font-size:11px;color:rgba(255,255,255,.42);margin-top:4px}
.hm-sep{width:1px;background:rgba(255,255,255,.1);min-height:54px;align-self:stretch}

/* ── METRIC CARDS ── */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(175px,1fr));gap:12px;margin-bottom:20px}
.mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;overflow:hidden}
.mc::after{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.mc.g::after{background:var(--green)}.mc.a::after{background:var(--amber)}.mc.r::after{background:var(--red)}.mc.n::after{background:var(--navy)}.mc.p::after{background:var(--purple)}
.mc .ml{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g400);margin-bottom:5px;font-family:'Montserrat',sans-serif}
.mc .mv{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--g900)}
.mc .ms{font-size:11px;color:var(--g500);margin-top:3px}
.mc .mf{font-size:10px;color:var(--g400);margin-top:5px;font-family:'DM Sans',sans-serif;font-style:italic}

/* ── VERDICT BADGE ── */
.vb{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:100px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif}
.vg{background:var(--green-l);color:var(--green)}.va{background:var(--amber-l);color:#92400e}.vr{background:var(--red-l);color:var(--red)}.vp{background:var(--purple-l);color:var(--purple)}.vn{background:var(--navy-xl);color:var(--navy)}

/* ── ALERT ── */
.alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;display:flex;gap:8px;align-items:flex-start;line-height:1.5;border:1px solid}
.alrt.warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.alrt.dng{background:var(--red-l);color:var(--red);border-color:var(--red)}
.alrt.info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}
.alrt.ok{background:var(--green-l);color:#065f46;border-color:var(--green)}
.alrt.pur{background:var(--purple-l);color:var(--purple);border-color:rgba(124,58,237,.25)}

/* ── TABS ── */
.tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:22px;overflow-x:auto;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{padding:9px 14px;border:none;background:transparent;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .15s;letter-spacing:.3px}
.tab-b.on{color:var(--navy);border-bottom-color:var(--navy)}
.tp{display:none}.tp.on{display:block}

/* ── CHART ── */
.chrt{position:relative;height:280px;margin-top:16px}

/* ── TABLE ── */
.stbl{width:100%;border-collapse:collapse;font-size:12px}
.stbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:9px 12px;text-align:left;border:1px solid var(--g200)}
.stbl td{padding:9px 12px;border:1px solid var(--g200);vertical-align:middle}
.stbl tr:nth-child(even) td{background:var(--g50)}
.stbl tr.hl td{background:var(--navy-xl);font-weight:700}

/* ── DUAL BOX ── */
.dual-box{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}
.dbox{border-radius:var(--r);padding:20px;text-align:center}
.dbox.std{background:var(--navy-xl);border:2px solid rgba(0,40,104,.12)}
.dbox.adj{background:var(--green-l);border:2px solid rgba(0,135,90,.2)}
.dbox .dl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--g500);margin-bottom:8px;font-family:'Montserrat',sans-serif}
.dbox .dv{font-family:'Montserrat',sans-serif;font-size:26px;font-weight:800;color:var(--navy)}
.dbox.adj .dv{color:var(--green)}
.dbox .ds{font-size:11px;color:var(--g500);margin-top:5px}

/* ── SCENARIO BOX ── */
.scn-live{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:18px;margin-top:16px}
.scn-live h4{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:12px}
.scn-result{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px}
.scn-val{text-align:center;padding:12px;background:#fff;border-radius:8px;border:1px solid var(--g200)}
.scn-val .sv{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--navy)}
.scn-val .sl{font-size:10px;text-transform:uppercase;color:var(--g400);letter-spacing:.5px;margin-top:3px;font-family:'Montserrat',sans-serif}

/* ── MILESTONE BADGE ── */
.ms-badge{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:100px;font-size:11px;font-weight:700;font-family:'Montserrat',sans-serif;margin:3px 4px}
.ms-badge.reached{background:var(--green-l);color:var(--green);border:1px solid rgba(0,135,90,.2)}
.ms-badge.future{background:var(--navy-xl);color:var(--navy);border:1px solid rgba(0,40,104,.15)}

/* ── EXPORT BTNS ── */
.ebtns{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.ebtn{flex:1;min-width:140px;padding:12px 16px;border-radius:var(--r);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all .15s;border:2px solid;display:flex;align-items:center;justify-content:center;gap:7px;letter-spacing:.2px}
.ebtn.prim{border-color:var(--navy);background:var(--navy);color:#fff}
.ebtn.prim:hover{background:var(--navy-l)}
.ebtn.sec{border-color:var(--navy);background:#fff;color:var(--navy)}
.ebtn.sec:hover{background:var(--navy);color:#fff}
.ebtn.wa{border-color:#25D366;background:#fff;color:#25D366}
.ebtn.wa:hover{background:#25D366;color:#fff}
.ebtn.rst{border-color:var(--red);background:#fff;color:var(--red)}
.ebtn.rst:hover{background:var(--red);color:#fff}

@media(max-width:640px){
  .hero-band{grid-template-columns:1fr 1fr}.hm-sep{display:none}
  .dual-box{grid-template-columns:1fr}
}
/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.calc-btn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
button,.tgb,.tab-b,.ebtn,.calc-btn{min-height:44px}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid,.igrid-2{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .ebtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .ebtn{min-width:0;font-size:11px;padding:10px 8px}
  .dual-box{grid-template-columns:1fr !important}
  .scn-result{grid-template-columns:1fr 1fr !important}
}
@media(max-width:480px){
  .pill{font-size:10px;padding:3px 9px}
  .hdr h1{font-size:24px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .ebtns{grid-template-columns:1fr}
}

/* ── HOW IT WORKS — STEP CARDS ── */
.htw-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:22px;max-width:780px}
.htw-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin-bottom:28px}
.htw-step{background:var(--g50);border:1px solid var(--g200);border-radius:var(--rl);padding:20px 20px 18px;position:relative;overflow:hidden;transition:box-shadow .18s,border-color .18s}
.htw-step:hover{box-shadow:0 4px 20px rgba(0,40,104,.1);border-color:rgba(0,40,104,.2)}
.htw-step-top{display:flex;align-items:flex-start;gap:14px;margin-bottom:12px}
.htw-num{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:900;flex-shrink:0;line-height:1}
.htw-num.c1{background:var(--navy);color:#fff}
.htw-num.c2{background:var(--purple);color:#fff}
.htw-num.c3{background:var(--green);color:#fff}
.htw-num.c4{background:var(--red);color:#fff}
.htw-num.c5{background:var(--amber);color:#fff}
.htw-num.c6{background:#0891b2;color:#fff}
.htw-num.c7{background:var(--g700);color:#fff}
.htw-step-ttl{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--g900);line-height:1.3;padding-top:2px}
.htw-step-sub{font-size:11px;font-weight:600;color:var(--g400);margin-top:2px;font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.3px}
.htw-step-body{font-size:12px;color:var(--g600);line-height:1.65}
.htw-step-body strong{color:var(--g900)}
.htw-tip{display:inline-flex;align-items:center;gap:5px;margin-top:10px;padding:5px 10px;border-radius:6px;font-size:10px;font-weight:700;font-family:'Montserrat',sans-serif;letter-spacing:.2px}
.htw-tip.t-navy{background:var(--navy-xl);color:var(--navy)}
.htw-tip.t-green{background:var(--green-l);color:#065f46}
.htw-tip.t-amber{background:var(--amber-l);color:#92400e}
.htw-tip.t-purple{background:var(--purple-l);color:var(--purple)}
.htw-tip.t-red{background:var(--red-l);color:var(--red)}
.htw-tip.t-teal{background:#f0f9ff;color:#0e7490}
.htw-connector{display:flex;align-items:center;justify-content:center;color:var(--g300);font-size:18px;padding:0 2px;align-self:center;margin-top:0}

/* ── FORMULA BLOCK ── */
.formula-block{background:var(--navy-d);border-radius:var(--rl);padding:24px;margin-bottom:24px;position:relative;overflow:hidden}
.formula-block::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:36px 36px;pointer-events:none}
.formula-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:14px;position:relative;z-index:1}
.formula-main{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:900;color:#fff;letter-spacing:.5px;line-height:1.4;margin-bottom:16px;position:relative;z-index:1;word-break:break-word}
.formula-main em{color:#7eb3ff;font-style:normal}
.formula-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;position:relative;z-index:1}
.fvar{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:10px 12px}
.fvar-sym{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;color:#7eb3ff;line-height:1;margin-bottom:4px}
.fvar-name{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:rgba(255,255,255,.45);margin-bottom:3px}
.fvar-def{font-size:10px;color:rgba(255,255,255,.65);line-height:1.4}

/* ── AFTER-TAX + FISHER FORMULA PANELS ── */
.formula-mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}
.fmini{border-radius:var(--r);padding:18px;border:1px solid}
.fmini.f-tax{background:var(--red-l);border-color:rgba(191,10,48,.2)}
.fmini.f-fisher{background:var(--green-l);border-color:rgba(0,135,90,.2)}
.fmini-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:2px;text-transform:uppercase;margin-bottom:8px}
.fmini.f-tax .fmini-label{color:var(--red)}
.fmini.f-fisher .fmini-label{color:var(--green)}
.fmini-formula{font-family:'Montserrat',sans-serif;font-size:clamp(11px,2vw,14px);font-weight:800;color:var(--g900);line-height:1.5;margin-bottom:8px;word-break:break-word}
.fmini-note{font-size:11px;color:var(--g600);line-height:1.55}
.fmini-note strong{color:var(--g900)}

/* ── QUICK GLANCE BAR ── */
.htw-quick{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-top:4px}
.htw-qitem{display:flex;align-items:center;gap:10px;background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:12px 14px}
.htw-qitem-ico{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:14px;flex-shrink:0}
.htw-qitem-ico.i-n{background:var(--navy-xl)}
.htw-qitem-ico.i-g{background:var(--green-l)}
.htw-qitem-ico.i-a{background:var(--amber-l)}
.htw-qitem-ico.i-r{background:var(--red-l)}
.htw-qitem-ico.i-p{background:var(--purple-l)}
.htw-qitem-txt{font-size:11px;color:var(--g600);line-height:1.4}
.htw-qitem-txt strong{display:block;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--g900);margin-bottom:1px}

/* ── MOBILE ── */
@media(max-width:640px){
  .formula-mini-grid{grid-template-columns:1fr}
  .htw-connector{display:none}
}
@media(max-width:480px){
  .htw-grid{grid-template-columns:1fr}
  .formula-grid{grid-template-columns:1fr 1fr}
  .htw-quick{grid-template-columns:1fr 1fr}
}
@media(max-width:360px){
  .formula-grid{grid-template-columns:1fr}
  .htw-quick{grid-template-columns:1fr}
}

    .tax-wrap{max-width:880px;margin:0 auto;padding:60px 20px}
    .tax-header{margin-bottom:36px}
    .tax-kicker{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:2px;color:var(--navy);margin-bottom:10px}
    .tax-title{font-size:clamp(22px,3vw,32px);font-weight:900;color:var(--g900);line-height:1.15;letter-spacing:-.5px}
    .tax-subtitle{color:var(--g500);font-size:14px;max-width:580px;margin-top:10px;line-height:1.6}
    .tax-card{background:#fff;border-radius:var(--rl);padding:28px;box-shadow:var(--sh);border:1px solid var(--g200)}
    .tax-card h3{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--g900);margin-bottom:16px}
    .tax-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
    .tax-state{border-radius:var(--r);padding:16px;font-size:13px;line-height:1.8}
    .tax-state strong{font-family:'Montserrat',sans-serif;font-size:12px;display:block;margin-bottom:6px}
    .hi-tax{background:var(--red-l);color:var(--red);border:1px solid rgba(191,10,48,.15)}
    .hi-tax strong{color:var(--red)}
    .mid-tax{background:var(--amber-l);color:#92400e;border:1px solid rgba(217,119,6,.15)}
    .mid-tax strong{color:#92400e}
    .no-tax{background:var(--green-l);color:#065f46;border:1px solid rgba(0,135,90,.15)}
    .no-tax strong{color:var(--green)}
    @media(max-width:600px){.tax-card{padding:20px 16px}.tax-grid{grid-template-columns:1fr}}

    .inf-wrap{max-width:880px;margin:0 auto;padding:60px 20px}
    .inf-header{margin-bottom:36px}
    .inf-kicker{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:2px;color:var(--navy);margin-bottom:10px}
    .inf-title{font-size:clamp(22px,3vw,32px);font-weight:900;color:var(--g900);line-height:1.15;letter-spacing:-.5px}
    .inf-subtitle{color:var(--g500);font-size:14px;max-width:580px;margin-top:10px;line-height:1.6}
    .inf-card{background:#fff;border-radius:var(--rl);padding:28px;box-shadow:var(--sh);border:1px solid var(--g200)}
    .inf-card h3{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--g900);margin-bottom:16px}
    .inf-demo{display:flex;align-items:center;justify-content:center;gap:20px;flex-wrap:wrap;margin-top:20px;padding:20px;background:var(--g50);border-radius:var(--r)}
    .inf-demo-item{text-align:center}
    .inf-demo-val{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:900}
    .inf-demo-label{font-size:11px;color:var(--g500);margin-top:4px;line-height:1.4}
    .inf-demo-arrow{font-family:'Montserrat',sans-serif;font-size:24px;font-weight:900;color:var(--g300)}
    @media(max-width:600px){.inf-card{padding:20px 16px}.inf-demo{flex-direction:column;gap:12px}}
 .bm-wrap{max-width:960px;margin:0 auto;padding:60px 20px}
    .bm-header{margin-bottom:36px}
    .bm-kicker{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:2px;color:var(--navy);margin-bottom:10px}
    .bm-title{font-size:clamp(22px,3vw,32px);font-weight:900;color:var(--g900);line-height:1.15;letter-spacing:-.5px}
    .bm-subtitle{color:var(--g500);font-size:14px;max-width:580px;margin-top:10px;line-height:1.6}
    .bm-card{background:#fff;border-radius:var(--rl);padding:28px;box-shadow:var(--sh);border:1px solid var(--g200)}
    @media(max-width:600px){.bm-card{padding:16px 12px}}
 .bm-wrap{max-width:960px;margin:0 auto;padding:60px 20px}
    .bm-header{margin-bottom:36px}
    .bm-kicker{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:2px;color:var(--navy);margin-bottom:10px}
    .bm-title{font-size:clamp(22px,3vw,32px);font-weight:900;color:var(--g900);line-height:1.15;letter-spacing:-.5px}
    .bm-subtitle{color:var(--g500);font-size:14px;max-width:580px;margin-top:10px;line-height:1.6}
    .bm-card{background:#fff;border-radius:var(--rl);padding:28px;box-shadow:var(--sh);border:1px solid var(--g200)}
    @media(max-width:600px){.bm-card{padding:16px 12px}}

/* ── TAX IMPACT SECTION ── */
.tax-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── TAX BRACKET SWITCHER ── */
.tax-switcher{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.tax-sw-btn{padding:9px 16px;border:2px solid var(--g200);background:#fff;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--g500);cursor:pointer;transition:all .18s;letter-spacing:.3px;flex:1;min-width:140px;text-align:center}
.tax-sw-btn:hover{border-color:var(--navy);color:var(--navy)}
.tax-sw-btn.active{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:0 2px 12px rgba(0,40,104,.25)}

/* ── FEDERAL TAX TABLE ── */
.fed-tax-table{width:100%;border-collapse:collapse;font-size:12px;margin-bottom:24px}
.fed-tax-table thead tr{background:var(--navy);color:#fff}
.fed-tax-table th{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;padding:11px 14px;text-align:left;border:none}
.fed-tax-table th:first-child{border-radius:10px 0 0 0}
.fed-tax-table th:last-child{border-radius:0 10px 0 0}
.fed-tax-table tbody tr{border-bottom:1px solid var(--g200)}
.fed-tax-table tbody tr:nth-child(even){background:var(--g50)}
.fed-tax-table tbody tr:hover{background:var(--navy-xl)}
.fed-tax-table td{padding:11px 14px;vertical-align:middle}
.fed-tax-table td:first-child{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--navy)}
.fed-tax-table td:nth-child(2){color:var(--g700);font-weight:600}
.fed-tax-table td:nth-child(3){color:var(--g600);font-size:11px;line-height:1.5}

/* ── TAX IMPACT CARDS ── */
.tax-impact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-bottom:24px}
.tax-imp-card{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;overflow:hidden}
.tax-imp-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px}
.tax-imp-card.imp-fed::before{background:var(--navy)}
.tax-imp-card.imp-state::before{background:var(--red)}
.tax-imp-card.imp-combined::before{background:var(--purple)}
.tax-imp-card.imp-eff::before{background:var(--green)}
.tax-imp-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--g400);margin-bottom:6px}
.tax-imp-val{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,26px);font-weight:900;color:var(--g900);line-height:1;margin-bottom:6px}
.tax-imp-sub{font-size:11px;color:var(--g600);line-height:1.5}
.tax-imp-formula{background:rgba(0,40,104,.04);border-left:3px solid var(--navy);padding:8px 10px;margin-top:10px;border-radius:4px;font-size:11px;color:var(--g700);font-family:'Montserrat',sans-serif;font-weight:600;letter-spacing:.2px}

/* ── STATE TAX REFERENCE ── */
.state-tax-intro{font-size:12px;color:var(--g600);line-height:1.65;margin-bottom:14px;background:var(--amber-l);border-left:4px solid var(--amber);padding:10px 12px;border-radius:6px}
.state-tax-intro strong{color:var(--g900)}
.state-filter{margin-bottom:16px}
.state-filter input{width:100%;padding:11px 14px;border:1.5px solid var(--g200);border-radius:8px;font-family:'DM Sans',sans-serif;font-size:13px;outline:none;transition:border-color .15s}
.state-filter input:focus{border-color:var(--navy)}
.state-filter input::placeholder{color:var(--g400)}

.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:10px;margin-bottom:20px;max-height:520px;overflow-y:auto;padding:2px}
.state-card{background:#fff;border:1px solid var(--g200);border-radius:8px;padding:12px 14px;transition:all .15s;cursor:pointer}
.state-card:hover{border-color:var(--navy);box-shadow:0 2px 12px rgba(0,40,104,.12)}
.state-card.no-tax{border-left:4px solid var(--green)}
.state-card.flat-tax{border-left:4px solid var(--navy)}
.state-card.prog-tax{border-left:4px solid var(--purple)}
.state-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.state-name{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--g900)}
.state-badge{padding:2px 7px;border-radius:100px;font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;font-family:'Montserrat',sans-serif}
.state-badge.no{background:var(--green-l);color:var(--green)}
.state-badge.flat{background:var(--navy-xl);color:var(--navy)}
.state-badge.prog{background:var(--purple-l);color:var(--purple)}
.state-rate{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;color:var(--navy);margin-bottom:4px}
.state-note{font-size:10px;color:var(--g500);line-height:1.4}

/* ── TAX LEGEND ── */
.tax-legend{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px;padding:12px 14px;background:var(--g50);border-radius:8px;border:1px solid var(--g200)}
.tax-leg-item{display:flex;align-items:center;gap:6px;font-size:11px;color:var(--g600)}
.tax-leg-dot{width:10px;height:10px;border-radius:2px;flex-shrink:0}
.tax-leg-dot.dot-no{background:var(--green)}
.tax-leg-dot.dot-flat{background:var(--navy)}
.tax-leg-dot.dot-prog{background:var(--purple)}

/* ── MOBILE ── */
@media(max-width:640px){
  .tax-switcher{flex-direction:column}
  .tax-sw-btn{min-width:100%}
  .fed-tax-table{font-size:11px}
  .fed-tax-table th,.fed-tax-table td{padding:9px 10px}
  .fed-tax-table td:first-child{font-size:16px}
  .state-grid{grid-template-columns:1fr;max-height:400px}
}


/* ── COMPOUNDING FREQUENCY SECTION ── */
.comp-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── FREQUENCY COMPARISON TABLE ── */
.freq-compare-table{width:100%;border-collapse:collapse;font-size:12px;margin-bottom:24px}
.freq-compare-table thead tr{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 100%);color:#fff}
.freq-compare-table th{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:12px 10px;text-align:left;border:none}
.freq-compare-table th:first-child{border-radius:10px 0 0 0}
.freq-compare-table th:last-child{border-radius:0 10px 0 0;text-align:right}
.freq-compare-table tbody tr{border-bottom:1px solid var(--g200);transition:all .15s}
.freq-compare-table tbody tr:nth-child(even){background:var(--g50)}
.freq-compare-table tbody tr:hover{background:var(--navy-xl)}
.freq-compare-table tbody tr.highlight{background:var(--green-l);border-left:4px solid var(--green)}
.freq-compare-table td{padding:11px 10px;vertical-align:middle}
.freq-compare-table td:first-child{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--navy)}
.freq-compare-table td:nth-child(2){color:var(--g500);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700}
.freq-compare-table td:nth-child(3),
.freq-compare-table td:nth-child(4){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--g900)}
.freq-compare-table td:nth-child(5){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--green);text-align:right}
.freq-compare-table td:nth-child(6){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--purple);text-align:right}

/* ── SCENARIO IMPACT CARDS ── */
.scenario-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-bottom:24px}
.scenario-card{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;overflow:hidden}
.scenario-card::before{content:'';position:absolute;top:0;left:0;width:4px;bottom:0}
.scenario-card.sc-1::before{background:var(--navy)}
.scenario-card.sc-2::before{background:var(--purple)}
.scenario-card.sc-3::before{background:var(--green)}
.scenario-card.sc-4::before{background:var(--red)}
.sc-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;color:var(--g400);margin-bottom:6px;padding-left:12px}
.sc-scenario{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--g900);margin-bottom:10px;padding-left:12px}
.sc-row{display:flex;justify-content:space-between;align-items:center;padding:6px 12px;background:var(--g50);border-radius:6px;margin-bottom:4px}
.sc-row:last-of-type{margin-bottom:8px}
.sc-freq{font-size:10px;font-weight:700;color:var(--g500);font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.3px}
.sc-val{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy)}
.sc-verdict{padding:6px 12px;background:var(--green-l);border-radius:6px;margin-top:4px;text-align:center}
.sc-verdict-label{font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--g400);font-family:'Montserrat',sans-serif}
.sc-verdict-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:900;color:var(--green);margin-top:2px}

/* ── KEY INSIGHT BOXES ── */
.insight-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}
.insight-box{border-radius:var(--r);padding:16px 18px;border:2px solid;position:relative}
.insight-box.ins-jump{background:var(--purple-l);border-color:rgba(124,58,237,.25)}
.insight-box.ins-dim{background:var(--amber-l);border-color:rgba(217,119,6,.25)}
.ins-icon{font-size:24px;margin-bottom:8px}
.ins-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;margin-bottom:6px}
.insight-box.ins-jump .ins-title{color:var(--purple)}
.insight-box.ins-dim .ins-title{color:var(--amber)}
.ins-body{font-size:12px;color:var(--g700);line-height:1.65}
.ins-body strong{color:var(--g900)}

/* ── APY VISUAL BAR ── */
.apy-visual{background:var(--g50);border:1px solid var(--g200);border-radius:var(--r);padding:18px;margin-bottom:24px}
.apy-visual-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}
.apy-bar-group{margin-bottom:10px}
.apy-bar-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:4px;font-size:11px}
.apy-bar-name{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--g700)}
.apy-bar-val{font-family:'Montserrat',sans-serif;font-weight:800;color:var(--navy);font-size:12px}
.apy-bar-track{height:20px;background:var(--g200);border-radius:100px;overflow:hidden;position:relative}
.apy-bar-fill{height:100%;border-radius:100px;transition:width .6s cubic-bezier(0.4,0,0.2,1);position:relative;display:flex;align-items:center;padding-right:8px;justify-content:flex-end}
.apy-bar-fill.c-annual{background:linear-gradient(90deg,#94a3b8,#64748b)}
.apy-bar-fill.c-semi{background:linear-gradient(90deg,#7c3aed,#6d28d9)}
.apy-bar-fill.c-quarter{background:linear-gradient(90deg,#3b82f6,#2563eb)}
.apy-bar-fill.c-month{background:linear-gradient(90deg,#10b981,#059669)}
.apy-bar-fill.c-daily{background:linear-gradient(90deg,#002868,#001a45)}
.apy-bar-pct{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;color:#fff;letter-spacing:.3px}

/* ── MOBILE ── */
@media(max-width:640px){
  .freq-compare-table{font-size:11px}
  .freq-compare-table th,.freq-compare-table td{padding:9px 7px}
  .freq-compare-table td:first-child{font-size:12px}
  .insight-grid{grid-template-columns:1fr}
  .scenario-grid{grid-template-columns:1fr}
}
@media(max-width:480px){
  .freq-compare-table td:nth-child(5),
  .freq-compare-table td:nth-child(6){font-size:11px}
}

/* ── RULE OF 72 SECTION ── */
.r72-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── FORMULA DISPLAY BOX ── */
.r72-formula-box{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 100%);border-radius:var(--rl);padding:24px;margin-bottom:24px;position:relative;overflow:hidden}
.r72-formula-box::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:36px 36px;pointer-events:none}
.r72-formula-label{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:12px;position:relative;z-index:1}
.r72-formula-main{font-family:'Montserrat',sans-serif;font-size:clamp(18px,4vw,28px);font-weight:900;color:#fff;letter-spacing:.5px;line-height:1.3;margin-bottom:14px;position:relative;z-index:1}
.r72-formula-main em{color:#7eb3ff;font-style:normal}
.r72-formula-sub{font-size:12px;color:rgba(255,255,255,.68);line-height:1.6;position:relative;z-index:1}
.r72-formula-sub strong{color:#fff}

/* ── INTERACTIVE LOOKUP GRID ── */
.r72-grid-wrapper{margin-bottom:24px}
.r72-grid-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.5px}
.r72-grid-subtitle{font-size:12px;color:var(--g600);line-height:1.65;margin-bottom:14px}
.r72-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(85px,1fr));gap:8px;background:var(--g50);padding:16px;border-radius:var(--r);border:1px solid var(--g200)}
.r72-cell{background:#fff;border:2px solid var(--g200);border-radius:8px;padding:12px 10px;text-align:center;transition:all .18s;cursor:pointer;position:relative}
.r72-cell:hover{border-color:var(--navy);transform:translateY(-3px);box-shadow:0 6px 20px rgba(0,40,104,.15)}
.r72-cell:hover .r72-popup{display:block}
.r72-rate{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;color:var(--navy);line-height:1;margin-bottom:6px}
.r72-divider{width:30px;height:2px;background:var(--g200);margin:0 auto 6px}
.r72-years{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--g700)}
.r72-label{font-size:9px;text-transform:uppercase;color:var(--g400);letter-spacing:.5px;font-weight:800;margin-top:4px;font-family:'Montserrat',sans-serif}
.r72-popup{display:none;position:absolute;bottom:calc(100% + 10px);left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;padding:8px 12px;border-radius:8px;font-size:11px;white-space:nowrap;z-index:99;box-shadow:0 4px 16px rgba(0,0,0,.3);font-family:'DM Sans',sans-serif;line-height:1.5}
.r72-popup::after{content:'';position:absolute;top:100%;left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:var(--g900)}
.r72-popup strong{color:#7eb3ff}

/* ── COMPARISON TABLE ── */
.r72-compare-table{width:100%;border-collapse:collapse;font-size:12px;margin-bottom:24px}
.r72-compare-table thead tr{background:var(--purple);color:#fff}
.r72-compare-table th{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:11px 12px;text-align:left;border:none}
.r72-compare-table th:first-child{border-radius:10px 0 0 0;width:25%}
.r72-compare-table th:last-child{border-radius:0 10px 0 0}
.r72-compare-table tbody tr{border-bottom:1px solid var(--g200)}
.r72-compare-table tbody tr:nth-child(even){background:var(--g50)}
.r72-compare-table tbody tr:hover{background:var(--purple-l)}
.r72-compare-table td{padding:11px 12px;vertical-align:middle}
.r72-compare-table td:first-child{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--navy)}
.r72-compare-table td:nth-child(2){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--purple)}
.r72-compare-table td:nth-child(3){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--g700)}
.r72-compare-table td:nth-child(4){font-size:11px;color:var(--g600);line-height:1.5}

/* ── REAL-WORLD EXAMPLES CARDS ── */
.r72-examples-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-bottom:24px}
.r72-ex-card{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;border-left:4px solid}
.r72-ex-card.ex-safe{border-left-color:var(--green)}
.r72-ex-card.ex-moderate{border-left-color:var(--navy)}
.r72-ex-card.ex-aggressive{border-left-color:var(--red)}
.r72-ex-card.ex-inflation{border-left-color:var(--amber);background:var(--amber-l)}
.r72-ex-type{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--g900);margin-bottom:6px}
.r72-ex-rate{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g400);margin-bottom:10px}
.r72-ex-result{display:flex;align-items:baseline;gap:6px;margin-bottom:6px}
.r72-ex-years{font-family:'Montserrat',sans-serif;font-size:26px;font-weight:900;color:var(--navy);line-height:1}
.r72-ex-label{font-size:11px;font-weight:700;color:var(--g500);font-family:'Montserrat',sans-serif}
.r72-ex-note{font-size:10px;color:var(--g600);line-height:1.4;margin-top:6px;padding-top:8px;border-top:1px solid var(--g200)}

/* ── INFLATION WARNING BOX ── */
.r72-inflation-box{background:linear-gradient(135deg,#fef3c7 0%,#fde68a 100%);border:2px solid var(--amber);border-radius:var(--r);padding:18px 20px;margin-bottom:20px;display:flex;gap:14px;align-items:flex-start}
.r72-inf-icon{font-size:32px;flex-shrink:0}
.r72-inf-content{flex:1}
.r72-inf-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:#92400e;margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px}
.r72-inf-body{font-size:12px;color:#78350f;line-height:1.65}
.r72-inf-body strong{color:#92400e}

/* ── MOBILE ── */
@media(max-width:640px){
  .r72-grid{grid-template-columns:repeat(auto-fit,minmax(75px,1fr));gap:6px;padding:12px}
  .r72-cell{padding:10px 8px}
  .r72-rate{font-size:14px}
  .r72-years{font-size:12px}
  .r72-compare-table{font-size:11px}
  .r72-compare-table th,.r72-compare-table td{padding:9px 10px}
  .r72-examples-grid{grid-template-columns:1fr}
}


/* ── CONTRIBUTION ESCALATION SECTION ── */
.esc-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── HERO COMPARISON BOX ── */
.esc-hero{background:linear-gradient(135deg,var(--purple) 0%,#6d28d9 100%);border-radius:var(--rl);padding:32px 28px;margin-bottom:24px;position:relative;overflow:hidden}
.esc-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:32px 32px;pointer-events:none}
.esc-hero-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:12px;position:relative}
.esc-hero-title{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3.5vw,24px);font-weight:900;color:#fff;margin-bottom:20px;line-height:1.3;position:relative}
.esc-hero-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:20px;align-items:center;position:relative}
.esc-box{text-align:center;background:rgba(255,255,255,.08);border:2px solid rgba(255,255,255,.15);border-radius:12px;padding:20px 16px;backdrop-filter:blur(8px)}
.esc-box-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:rgba(255,255,255,.5);margin-bottom:8px}
.esc-box-val{font-family:'Montserrat',sans-serif;font-size:clamp(24px,4vw,36px);font-weight:900;color:#fff;line-height:1;margin-bottom:6px}
.esc-box-sub{font-size:11px;color:rgba(255,255,255,.6);line-height:1.4}
.esc-vs{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:2px}
.esc-delta{background:rgba(16,185,129,.9);border:2px solid rgba(16,185,129,1);margin-top:12px;padding:10px 14px;border-radius:8px;position:relative}
.esc-delta-text{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:#fff;text-align:center;letter-spacing:.4px}

/* ── ESCALATION RATE TABLE ── */
.esc-rate-table{width:100%;border-collapse:collapse;font-size:12px;margin-bottom:24px}
.esc-rate-table thead tr{background:linear-gradient(135deg,var(--purple) 0%,#6d28d9 100%);color:#fff}
.esc-rate-table th{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;padding:11px 12px;text-align:left;border:none}
.esc-rate-table th:first-child{border-radius:10px 0 0 0}
.esc-rate-table th:last-child{border-radius:0 10px 0 0;text-align:right}
.esc-rate-table tbody tr{border-bottom:1px solid var(--g200)}
.esc-rate-table tbody tr:nth-child(even){background:var(--g50)}
.esc-rate-table tbody tr:hover{background:var(--purple-l)}
.esc-rate-table tbody tr.highlight{background:var(--green-l);border-left:4px solid var(--green)}
.esc-rate-table td{padding:11px 12px;vertical-align:middle}
.esc-rate-table td:first-child{font-family:'Montserrat',sans-serif;font-weight:800;font-size:16px;color:var(--purple);text-align:center}
.esc-rate-table td:nth-child(2),
.esc-rate-table td:nth-child(3),
.esc-rate-table td:nth-child(4){font-family:'Montserrat',sans-serif;font-weight:700;color:var(--g900)}
.esc-rate-table td:nth-child(5){font-family:'Montserrat',sans-serif;font-weight:800;color:var(--green);text-align:right}

/* ── TIMELINE VISUAL ── */
.esc-timeline{margin-bottom:24px}
.esc-tl-row{display:flex;align-items:center;gap:12px;margin-bottom:12px;padding:14px;background:#fff;border:1px solid var(--g200);border-radius:var(--r);transition:all .15s}
.esc-tl-row:hover{border-color:var(--purple);box-shadow:0 2px 10px rgba(124,58,237,.12)}
.esc-tl-year{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;color:var(--purple);min-width:60px;flex-shrink:0;text-align:center}
.esc-tl-contrib{flex:1;padding:8px 12px;background:var(--purple-l);border-radius:6px;border-left:3px solid var(--purple)}
.esc-tl-contrib-label{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--purple);margin-bottom:3px;font-family:'Montserrat',sans-serif}
.esc-tl-contrib-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--g900)}
.esc-tl-balance{flex:1;padding:8px 12px;background:var(--green-l);border-radius:6px;border-left:3px solid var(--green)}
.esc-tl-balance-label{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--green);margin-bottom:3px;font-family:'Montserrat',sans-serif}
.esc-tl-balance-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--g900)}

/* ── SALARY MIRROR BOX ── */
.esc-mirror{background:linear-gradient(135deg,#fef3c7 0%,#fde68a 100%);border:2px solid var(--amber);border-radius:var(--rl);padding:24px;margin-bottom:24px;position:relative}
.esc-mirror-icon{font-size:32px;margin-bottom:10px}
.esc-mirror-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:#92400e;margin-bottom:10px;text-transform:uppercase;letter-spacing:.6px}
.esc-mirror-body{font-size:13px;color:#78350f;line-height:1.7;margin-bottom:14px}
.esc-mirror-body strong{color:#92400e}
.esc-mirror-example{background:rgba(255,255,255,.6);border-radius:8px;padding:14px;border-left:3px solid var(--amber)}
.esc-mirror-ex-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:#92400e;margin-bottom:8px;font-family:'Montserrat',sans-serif}
.esc-mirror-ex-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:4px;font-size:12px}
.esc-mirror-ex-row:last-child{margin-bottom:0;padding-top:8px;border-top:1px solid rgba(217,119,6,.2);font-weight:700;color:#92400e}

/* ── COMPARISON CARDS ── */
.esc-comp-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:24px}
.esc-comp-card{border-radius:var(--r);padding:20px;position:relative;border:2px solid}
.esc-comp-card.flat{background:var(--g50);border-color:var(--g300)}
.esc-comp-card.esc{background:var(--green-l);border-color:var(--green)}
.esc-comp-icon{font-size:28px;margin-bottom:8px}
.esc-comp-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;margin-bottom:10px}
.esc-comp-card.flat .esc-comp-label{color:var(--g500)}
.esc-comp-card.esc .esc-comp-label{color:var(--green)}
.esc-comp-val{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3.5vw,28px);font-weight:900;line-height:1;margin-bottom:8px;color:var(--g900)}
.esc-comp-sub{font-size:11px;color:var(--g600);line-height:1.5}

/* ── MOBILE ── */
@media(max-width:640px){
  .esc-hero-grid{grid-template-columns:1fr;gap:12px}
  .esc-vs{display:none}
  .esc-rate-table{font-size:11px}
  .esc-rate-table th,.esc-rate-table td{padding:9px 8px}
  .esc-tl-row{flex-direction:column;align-items:flex-start;gap:8px}
  .esc-tl-year{min-width:auto}
  .esc-comp-grid{grid-template-columns:1fr}
  .esc-mirror-ex-row{flex-direction:column;align-items:flex-start;gap:4px}
}

/* ── LEGAL DISCLAIMER SECTION ── */
.legal-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── DISCLAIMER BOX ── */
.disclaimer-box{background:var(--red-l);border:2px solid var(--red);border-radius:var(--rl);padding:24px;margin-bottom:20px;position:relative}
.disclaimer-icon{font-size:32px;margin-bottom:10px}
.disclaimer-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--red);margin-bottom:12px;text-transform:uppercase;letter-spacing:.8px}
.disclaimer-text{font-size:13px;color:#7f1d1d;line-height:1.75;margin-bottom:10px}
.disclaimer-text:last-child{margin-bottom:0}
.disclaimer-text strong{color:#991b1b}

/* ── EDITORIAL STANDARDS BOX ── */
.editorial-box{background:var(--navy-xl);border:2px solid rgba(0,40,104,.2);border-radius:var(--rl);padding:24px;margin-bottom:20px}
.editorial-icon{font-size:32px;margin-bottom:10px}
.editorial-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.8px}
.editorial-text{font-size:13px;color:var(--g700);line-height:1.75;margin-bottom:10px}
.editorial-text:last-child{margin-bottom:0}
.editorial-text strong{color:var(--navy)}

/* ── AUTHORITY LINKS GRID ── */
.authority-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-bottom:20px}
.authority-card{background:#fff;border:2px solid var(--g200);border-radius:var(--r);padding:18px;text-decoration:none;display:block;transition:all .2s;position:relative;overflow:hidden}
.authority-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--green)}
.authority-card:hover{border-color:var(--green);transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,135,90,.15)}
.auth-badge{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;background:var(--green-l);border-radius:100px;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--green);margin-bottom:10px;font-family:'Montserrat',sans-serif}
.auth-org{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--g900);margin-bottom:6px;line-height:1.3}
.auth-desc{font-size:12px;color:var(--g600);line-height:1.6;margin-bottom:10px}
.auth-link{font-size:11px;color:var(--green);font-weight:700;font-family:'Montserrat',sans-serif;display:flex;align-items:center;gap:4px}
.auth-link::after{content:'→';font-size:14px}

/* ── METHODOLOGY SECTION ── */
.methodology-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.6px;display:flex;align-items:center;gap:8px}
.methodology-list{list-style:none;padding:0;margin:0}
.methodology-list li{padding:10px 14px;background:var(--g50);border-left:3px solid var(--navy);margin-bottom:8px;border-radius:6px;font-size:12px;color:var(--g700);line-height:1.65}
.methodology-list li strong{color:var(--g900);font-weight:700}
.methodology-list li code{background:var(--g100);padding:2px 6px;border-radius:4px;font-family:'Montserrat',sans-serif;font-size:11px;color:var(--navy);font-weight:600}

/* ── LIMITATIONS BOX ── */
.limitations-box{background:var(--amber-l);border:2px solid var(--amber);border-radius:var(--r);padding:18px;margin-bottom:20px}
.limitations-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:#92400e;margin-bottom:10px;text-transform:uppercase;letter-spacing:.6px;display:flex;align-items:center;gap:6px}
.limitations-list{list-style:none;padding:0;margin:0}
.limitations-list li{font-size:12px;color:#78350f;line-height:1.65;margin-bottom:6px;padding-left:16px;position:relative}
.limitations-list li::before{content:'⚠';position:absolute;left:0;color:#92400e}
.limitations-list li:last-child{margin-bottom:0}

/* ── CONTACT/FEEDBACK BOX ── */
.feedback-box{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 100%);border-radius:var(--rl);padding:24px;text-align:center;color:#fff;margin-bottom:20px}
.feedback-icon{font-size:36px;margin-bottom:10px}
.feedback-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;margin-bottom:8px;letter-spacing:.5px}
.feedback-text{font-size:12px;color:rgba(255,255,255,.75);line-height:1.65;margin-bottom:14px;max-width:560px;margin-left:auto;margin-right:auto}
.feedback-btn{display:inline-flex;align-items:center;gap:6px;padding:10px 20px;background:#fff;color:var(--navy);border-radius:100px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-decoration:none;transition:all .2s;letter-spacing:.3px}
.feedback-btn:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(255,255,255,.3)}

/* ── MOBILE ── */
@media(max-width:640px){
  .authority-grid{grid-template-columns:1fr}
  .disclaimer-box,.editorial-box,.feedback-box{padding:18px}
  .methodology-list li{font-size:11px}
}


    .pt-wrap{max-width:880px;margin:0 auto;padding:60px 20px}
    .pt-header{margin-bottom:36px}
    .pt-kicker{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:2px;color:var(--navy);margin-bottom:10px}
    .pt-title{font-size:clamp(22px,3vw,32px);font-weight:900;color:var(--g900);line-height:1.15;letter-spacing:-.5px}
    .pt-subtitle{color:var(--g500);font-size:14px;max-width:580px;margin-top:10px;line-height:1.6}
    .pt-tips{display:flex;flex-direction:column;gap:16px}
    .pt-tip{display:flex;gap:16px;background:#fff;border-radius:var(--rl);padding:24px;box-shadow:var(--sh);border:1px solid var(--g200)}
    .pt-tip-num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;flex-shrink:0}
    .pt-tip-body h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--g900);margin-bottom:8px}
    .pt-tip-body p{font-size:14px;color:var(--g600);line-height:1.7;max-width:72ch}
    @media(max-width:600px){.pt-tip{flex-direction:column;gap:10px;padding:20px 16px}}
/* ── FAQ ACCORDION SECTION ── */
.faq-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── FAQ ITEM ── */
.faq-item{border:1px solid var(--g200);border-radius:var(--r);margin-bottom:10px;overflow:hidden;background:#fff;transition:all .2s}
.faq-item:hover{border-color:var(--navy)}
.faq-item.open{border-color:var(--navy);box-shadow:0 2px 12px rgba(0,40,104,.08)}

/* ── FAQ QUESTION (clickable trigger) ── */
.faq-q{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:16px 18px;cursor:pointer;user-select:none;transition:background .18s}
.faq-q:hover{background:var(--g50)}
.faq-item.open .faq-q{background:var(--navy-xl)}
.faq-q-text{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--g900);line-height:1.4;flex:1}
.faq-icon{width:24px;height:24px;background:var(--g200);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:16px;color:var(--g500);flex-shrink:0;transition:all .25s}
.faq-item.open .faq-icon{background:var(--navy);color:#fff;transform:rotate(45deg)}

/* ── FAQ ANSWER (expandable content) ── */
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(0.4,0,0.2,1),padding .35s cubic-bezier(0.4,0,0.2,1)}
.faq-item.open .faq-a{max-height:2000px;padding:0 18px 18px}
.faq-a-content{font-size:13px;color:var(--g700);line-height:1.75;padding-top:4px}
.faq-a-content p{margin-bottom:12px}
.faq-a-content p:last-child{margin-bottom:0}
.faq-a-content strong{color:var(--g900);font-weight:700}
.faq-a-content code{background:var(--g100);padding:2px 6px;border-radius:4px;font-family:'Montserrat',sans-serif;font-size:11px;color:var(--navy);font-weight:600}
.faq-a-content ul{list-style:none;padding-left:0;margin:8px 0}
.faq-a-content li{padding-left:20px;position:relative;margin-bottom:6px}
.faq-a-content li::before{content:'→';position:absolute;left:0;color:var(--navy);font-weight:700}

/* ── FAQ CATEGORY HEADERS ── */
.faq-cat{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--navy);margin:24px 0 12px;padding-left:4px;border-left:3px solid var(--navy)}
.faq-cat:first-of-type{margin-top:0}

/* ── MOBILE ── */
@media(max-width:640px){
  .faq-q{padding:14px 14px}
  .faq-q-text{font-size:12px}
  .faq-icon{width:22px;height:22px;font-size:14px}
  .faq-a-content{font-size:12px}
}
/* ── RELATED CALCULATORS SECTION ── */
.rel-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── CALCULATOR CARD GRID ── */
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:14px;margin-bottom:20px}
.calc-card{background:#fff;border:2px solid var(--g200);border-radius:var(--r);padding:18px;transition:all .2s;cursor:pointer;text-decoration:none;display:block;position:relative;overflow:hidden}
.calc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;transition:height .2s}
.calc-card:hover{border-color:var(--navy);transform:translateY(-4px);box-shadow:0 8px 28px rgba(0,40,104,.15)}
.calc-card:hover::before{height:6px}

/* ── Card Color Categories ── */
.calc-card.cat-investing::before{background:var(--navy)}
.calc-card.cat-retirement::before{background:var(--purple)}
.calc-card.cat-savings::before{background:var(--green)}
.calc-card.cat-finance::before{background:var(--amber)}

/* ── Card Content ── */
.calc-card-icon{font-size:28px;margin-bottom:10px;display:block}
.calc-card-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--g900);margin-bottom:6px;line-height:1.3}
.calc-card-desc{font-size:12px;color:var(--g600);line-height:1.6;margin-bottom:10px}
.calc-card-tag{display:inline-flex;align-items:center;padding:3px 8px;border-radius:100px;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;font-family:'Montserrat',sans-serif;margin-top:4px}
.calc-card.cat-investing .calc-card-tag{background:var(--navy-xl);color:var(--navy)}
.calc-card.cat-retirement .calc-card-tag{background:var(--purple-l);color:var(--purple)}
.calc-card.cat-savings .calc-card-tag{background:var(--green-l);color:var(--green)}
.calc-card.cat-finance .calc-card-tag{background:var(--amber-l);color:#92400e}

/* ── Arrow Icon ── */
.calc-card-arrow{position:absolute;bottom:16px;right:16px;width:28px;height:28px;background:var(--g100);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;color:var(--g400);transition:all .2s}
.calc-card:hover .calc-card-arrow{background:var(--navy);color:#fff;transform:translateX(3px)}

/* ── Featured Badge ── */
.calc-featured{position:absolute;top:14px;right:14px;background:var(--green);color:#fff;padding:3px 9px;border-radius:100px;font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;font-family:'Montserrat',sans-serif}

/* ── Category Filter Tabs (optional) ── */
.calc-filter{display:flex;gap:6px;margin-bottom:18px;flex-wrap:wrap}
.calc-filter-btn{padding:7px 14px;border:2px solid var(--g200);background:#fff;border-radius:100px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--g500);cursor:pointer;transition:all .18s;letter-spacing:.3px;text-transform:uppercase}
.calc-filter-btn:hover{border-color:var(--navy);color:var(--navy)}
.calc-filter-btn.active{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:0 2px 8px rgba(0,40,104,.2)}

/* ── MOBILE ── */
@media(max-width:640px){
  .calc-grid{grid-template-columns:1fr}
  .calc-card{padding:16px}
  .calc-card-icon{font-size:24px;margin-bottom:8px}
  .calc-card-title{font-size:13px}
  .calc-card-desc{font-size:11px}
  .calc-filter{justify-content:center}
}
/* ── LEGAL DISCLAIMER SECTION ── */
.legal-intro{font-size:13px;color:var(--g600);line-height:1.7;margin-bottom:20px;max-width:820px}

/* ── DISCLAIMER BOX ── */
.disclaimer-box{background:var(--red-l);border:2px solid var(--red);border-radius:var(--rl);padding:24px;margin-bottom:20px;position:relative}
.disclaimer-icon{font-size:32px;margin-bottom:10px}
.disclaimer-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--red);margin-bottom:12px;text-transform:uppercase;letter-spacing:.8px}
.disclaimer-text{font-size:13px;color:#7f1d1d;line-height:1.75;margin-bottom:10px}
.disclaimer-text:last-child{margin-bottom:0}
.disclaimer-text strong{color:#991b1b}

/* ── EDITORIAL STANDARDS BOX ── */
.editorial-box{background:var(--navy-xl);border:2px solid rgba(0,40,104,.2);border-radius:var(--rl);padding:24px;margin-bottom:20px}
.editorial-icon{font-size:32px;margin-bottom:10px}
.editorial-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.8px}
.editorial-text{font-size:13px;color:var(--g700);line-height:1.75;margin-bottom:10px}
.editorial-text:last-child{margin-bottom:0}
.editorial-text strong{color:var(--navy)}

/* ── AUTHORITY LINKS GRID ── */
.authority-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-bottom:20px}
.authority-card{background:#fff;border:2px solid var(--g200);border-radius:var(--r);padding:18px;text-decoration:none;display:block;transition:all .2s;position:relative;overflow:hidden}
.authority-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--green)}
.authority-card:hover{border-color:var(--green);transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,135,90,.15)}
.auth-badge{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;background:var(--green-l);border-radius:100px;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--green);margin-bottom:10px;font-family:'Montserrat',sans-serif}
.auth-org{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--g900);margin-bottom:6px;line-height:1.3}
.auth-desc{font-size:12px;color:var(--g600);line-height:1.6;margin-bottom:10px}
.auth-link{font-size:11px;color:var(--green);font-weight:700;font-family:'Montserrat',sans-serif;display:flex;align-items:center;gap:4px}
.auth-link::after{content:'→';font-size:14px}

/* ── METHODOLOGY SECTION ── */
.methodology-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.6px;display:flex;align-items:center;gap:8px}
.methodology-list{list-style:none;padding:0;margin:0}
.methodology-list li{padding:10px 14px;background:var(--g50);border-left:3px solid var(--navy);margin-bottom:8px;border-radius:6px;font-size:12px;color:var(--g700);line-height:1.65}
.methodology-list li strong{color:var(--g900);font-weight:700}
.methodology-list li code{background:var(--g100);padding:2px 6px;border-radius:4px;font-family:'Montserrat',sans-serif;font-size:11px;color:var(--navy);font-weight:600}

/* ── LIMITATIONS BOX ── */
.limitations-box{background:var(--amber-l);border:2px solid var(--amber);border-radius:var(--r);padding:18px;margin-bottom:20px}
.limitations-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:#92400e;margin-bottom:10px;text-transform:uppercase;letter-spacing:.6px;display:flex;align-items:center;gap:6px}
.limitations-list{list-style:none;padding:0;margin:0}
.limitations-list li{font-size:12px;color:#78350f;line-height:1.65;margin-bottom:6px;padding-left:16px;position:relative}
.limitations-list li::before{content:'⚠';position:absolute;left:0;color:#92400e}
.limitations-list li:last-child{margin-bottom:0}

/* ── CONTACT/FEEDBACK BOX ── */
.feedback-box{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 100%);border-radius:var(--rl);padding:24px;text-align:center;color:#fff;margin-bottom:20px}
.feedback-icon{font-size:36px;margin-bottom:10px}
.feedback-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;margin-bottom:8px;letter-spacing:.5px}
.feedback-text{font-size:12px;color:rgba(255,255,255,.75);line-height:1.65;margin-bottom:14px;max-width:560px;margin-left:auto;margin-right:auto}
.feedback-btn{display:inline-flex;align-items:center;gap:6px;padding:10px 20px;background:#fff;color:var(--navy);border-radius:100px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-decoration:none;transition:all .2s;letter-spacing:.3px}
.feedback-btn:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(255,255,255,.3)}

/* ── MOBILE ── */
@media(max-width:640px){
  .authority-grid{grid-template-columns:1fr}
  .disclaimer-box,.editorial-box,.feedback-box{padding:18px}
  .methodology-list li{font-size:11px}
}