:root {
    --global-palette1: #002868;
    --global-palette2: #00183F;
    --global-palette3: #1D1D1F;
    --global-palette4: #5F6368;
    --global-palette5: #E0E4E8;
    --global-palette6: #F7F9FC;
    --global-palette7: #FFFFFF;
    --global-palette8: #BF0A30;
    --global-palette9: #00875A;
    --font-body: 'Inter', system-ui, sans-serif;
    --font-display: 'Montserrat', system-ui, sans-serif;
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 14px;
    --shadow-sm: 0 1px 3px rgba(0,40,104,0.08);
    --shadow-md: 0 4px 16px rgba(0,40,104,0.1);
    --shadow-lg: 0 8px 32px rgba(0,40,104,0.13);
    --transition: 180ms cubic-bezier(0.16,1,0.3,1);
  }
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
  body {
    font-family: var(--font-body);
    font-size: 16px;
    color: var(--global-palette3);
    background: var(--global-palette6);
    line-height: 1.6;
  }
  img, canvas { max-width: 100%; display: block; }
  input, button, select { font: inherit; color: inherit; }
  button { cursor: pointer; }

  /* ── Typography & Contrast Patch ── */
  #ccWrapper .form-group label, #ccWrapper .card-item-title, #ccWrapper .bt-card-title, #ccWrapper .cert-title, #ccWrapper .warn-title, #ccWrapper .card-header h2 { color: #1e293b !important; font-weight: 800 !important; }
  #ccWrapper .input-wrap input, #ccWrapper .input-wrap select, #ccWrapper .tab-btn { font-weight: 600 !important; color: #0f172a !important; font-size: 14px !important; }
  #ccWrapper .input-prefix, #ccWrapper .input-suffix { color: #334155 !important; font-weight: 800 !important; }
  #ccWrapper .hint, #ccWrapper .fs-12, #ccWrapper .card-act-box p, #ccWrapper .empty-state p { color: #64748b !important; font-weight: 500 !important; }

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

  /* ── WRAPPER ── */
  .calc-wrapper {
    max-width: 1160px;
    margin: 0 auto;
    padding: 32px 20px 60px;
  }

  /* ── HEADER ── */
  .calc-header {
    background: linear-gradient(135deg, #001840 0%, var(--global-palette1) 55%, #0d1f3c 100%);
    border-radius: 18px; padding: 36px 32px 28px;
    text-align: center; margin-bottom: 24px;
    position: relative; overflow: hidden;
  }
  .calc-header::before {
    content: ''; position: absolute; inset: 0;
    background: radial-gradient(circle at 80% 30%, rgba(191,10,48,0.1) 0%, transparent 50%),
                radial-gradient(circle at 20% 70%, rgba(0,135,90,0.07) 0%, transparent 40%);
    pointer-events: none;
  }
  .calc-header::after {
    content: ''; position: absolute; inset: 0;
    background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                      linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
    background-size: 44px 44px; pointer-events: none;
  }
  .calc-header-icon { font-size: 2.7rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
  .calc-header h1 {
    font-family: 'Montserrat','Inter',sans-serif;
    font-size: clamp(1.25rem, 3vw, 1.9rem) !important; font-weight: 800;
    color: #ffffff !important; margin: 0 0 10px; line-height: 1.2;
    position: relative; z-index: 1;
  }
  .calc-header p {
    font-size: 0.87rem; color: rgba(255,255,255,0.72);
    max-width: 780px; margin: 0 auto 22px; line-height: 1.65;
    position: relative; z-index: 1;
  }
  .badge-row { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
  .badge {
    background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
    color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
    padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
  }

  /* ── LAYOUT GRID ── */
  .calc-grid {
    display: grid;
    grid-template-columns: 400px 1fr;
    gap: 24px;
    align-items: start;
  }
  @media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }

  /* ── CARDS ── */
  .card {
    background: var(--global-palette7);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--global-palette5);
    overflow: hidden;
  }
  .card-header {
    padding: 16px 20px 14px;
    border-bottom: 1px solid var(--global-palette5);
    display: flex;
    align-items: center;
    gap: 10px;
  }
  .card-header h2 {
    font-family: var(--font-display);
    font-size: 15px;
    font-weight: 700;
    color: var(--global-palette1);
    letter-spacing: 0.01em;
  }
  .card-icon {
    width: 32px; height: 32px;
    background: #EEF3FF;
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .card-icon svg { width: 16px; height: 16px; color: var(--global-palette1); }
  .card-body { padding: 18px 20px; }

  /* ── FORM ELEMENTS ── */
  .form-group { margin-bottom: 14px; }
  .form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--global-palette3);
    margin-bottom: 5px;
  }
  .form-group label .hint {
    font-weight: 400;
    color: var(--global-palette4);
    font-size: 12px;
    margin-left: 4px;
  }
  .input-wrap {
    display: flex;
    align-items: center;
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-sm);
    background: var(--global-palette7);
    overflow: hidden;
    transition: border-color var(--transition), box-shadow var(--transition);
  }
  .input-wrap:focus-within {
    border-color: var(--global-palette1);
    box-shadow: 0 0 0 3px rgba(0,40,104,0.09);
  }
  .input-prefix, .input-suffix {
    padding: 0 10px;
    font-size: 14px;
    font-weight: 600;
    color: var(--global-palette4);
    background: var(--global-palette6);
    border-right: 1px solid var(--global-palette5);
    height: 38px;
    display: flex;
    align-items: center;
    white-space: nowrap;
  }
  .input-suffix { border-right: none; border-left: 1px solid var(--global-palette5); }
  .input-wrap input, .input-wrap select {
    flex: 1;
    border: none;
    outline: none;
    padding: 0 10px;
    height: 38px;
    font-size: 14px;
    background: transparent;
    color: var(--global-palette3);
    min-width: 0;
  }
  .input-wrap select { appearance: none; cursor: pointer; }

  /* ── TABS ── */
  .tab-group {
    display: flex;
    border-radius: var(--radius-sm);
    background: var(--global-palette6);
    border: 1px solid var(--global-palette5);
    padding: 3px;
    gap: 2px;
    margin-bottom: 4px;
  }
  .tab-btn {
    flex: 1;
    padding: 6px 8px;
    font-size: 12px;
    font-weight: 600;
    border-radius: 5px;
    background: transparent;
    border: none;
    color: var(--global-palette4);
    transition: background var(--transition), color var(--transition);
    text-align: center;
    line-height: 1.3;
  }
  .tab-btn.active {
    background: var(--global-palette1);
    color: #fff;
    box-shadow: var(--shadow-sm);
  }

  /* ── CARD LIST (multi-card) ── */
  .card-list { display: flex; flex-direction: column; gap: 10px; }
  .card-item {
    background: var(--global-palette6);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 12px 14px;
    position: relative;
  }
  .card-item-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
  }
  .card-item-title {
    font-size: 13px;
    font-weight: 700;
    color: var(--global-palette1);
  }
  .card-item-remove {
    background: none; border: none;
    color: var(--global-palette8);
    font-size: 18px;
    line-height: 1;
    padding: 0 4px;
    border-radius: 4px;
    transition: background var(--transition);
  }
  .card-item-remove:hover { background: #FEF0F2; }
  .card-item-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
  .card-item-grid .form-group { margin-bottom: 0; }

  /* ── ADD CARD BTN ── */
  .btn-add-card {
    display: flex; align-items: center; justify-content: center;
    gap: 6px;
    width: 100%;
    padding: 9px;
    border: 1.5px dashed var(--global-palette1);
    background: #F0F4FF;
    border-radius: var(--radius-sm);
    color: var(--global-palette1);
    font-size: 13px;
    font-weight: 600;
    margin-top: 4px;
    transition: background var(--transition);
  }
  .btn-add-card:hover { background: #DDE6FF; }

  /* ── SNOWFLAKE ── */
  .snowflake-list { display: flex; flex-direction: column; gap: 6px; margin-bottom: 8px; }
  .snowflake-item {
    display: grid;
    grid-template-columns: 1fr 1fr auto;
    gap: 6px;
    align-items: center;
  }
  .snowflake-item .input-wrap { height: 34px; }
  .snowflake-item .input-wrap input, .snowflake-item .input-wrap select { height: 34px; font-size: 13px; }
  .snowflake-item .input-prefix, .snowflake-item .input-suffix { height: 34px; font-size: 12px; }
  .btn-remove-sf {
    background: none; border: none;
    color: var(--global-palette8); font-size: 16px;
    padding: 0 4px; border-radius: 4px;
    transition: background var(--transition);
  }
  .btn-remove-sf:hover { background: #FEF0F2; }

  /* ── SECTION TOGGLE ── */
  .section-toggle {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 10px;
    font-size: 13px;
    font-weight: 600;
    color: var(--global-palette3);
    cursor: pointer;
  }
  .toggle-switch {
    width: 36px; height: 20px;
    background: var(--global-palette5);
    border-radius: 10px;
    position: relative;
    transition: background var(--transition);
    flex-shrink: 0;
  }
  .toggle-switch::after {
    content: '';
    position: absolute;
    top: 3px; left: 3px;
    width: 14px; height: 14px;
    border-radius: 50%;
    background: #fff;
    box-shadow: var(--shadow-sm);
    transition: transform var(--transition);
  }
  .toggle-switch.on { background: var(--global-palette9); }
  .toggle-switch.on::after { transform: translateX(16px); }

  /* ── ACTION BUTTONS ── */
  .calc-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 18px;
  }
  .btn-primary {
    flex: 1; min-width: 140px;
    background: var(--global-palette1);
    color: #fff;
    border: none;
    border-radius: var(--radius-sm);
    padding: 11px 20px;
    font-size: 14px;
    font-weight: 700;
    font-family: var(--font-display);
    letter-spacing: 0.01em;
    box-shadow: var(--shadow-sm);
    transition: background var(--transition), box-shadow var(--transition);
  }
  .btn-primary:hover { background: var(--global-palette2); box-shadow: var(--shadow-md); }
  .btn-secondary {
    display: none;
    align-items: center; justify-content: center; gap: 7px;
    padding: 11px 16px;
    border-radius: var(--radius-sm);
    font-size: 13px;
    font-weight: 600;
    border: 1.5px solid var(--global-palette5);
    background: var(--global-palette7);
    color: var(--global-palette3);
    transition: background var(--transition), border-color var(--transition);
  }
  .btn-secondary:hover { background: var(--global-palette6); border-color: var(--global-palette1); }
  .btn-secondary.visible { display: flex; }
  .btn-green {
    background: var(--global-palette9);
    color: #fff; border-color: var(--global-palette9);
  }
  .btn-green:hover { background: #006e48; border-color: #006e48; }
  .btn-reset {
    color: var(--global-palette4);
  }

  /* ── RESULTS PANEL ── */
  .results-panel { display: flex; flex-direction: column; gap: 20px; }

  /* ── KPI HERO ── */
  .kpi-hero {
    background: var(--global-palette1);
    border-radius: var(--radius-lg);
    padding: 24px;
    color: #fff;
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    align-items: center;
  }
  .kpi-hero-main { flex: 1; min-width: 180px; }
  .kpi-hero-main .label {
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    opacity: 0.7;
    margin-bottom: 6px;
  }
  .kpi-hero-main .value {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3vw, 2.6rem);
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: 4px;
  }
  .kpi-hero-main .sub {
    font-size: 13px;
    opacity: 0.75;
  }
  .kpi-hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
  }
  .kpi-stat {
    background: rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: 12px;
    text-align: center;
  }
  .kpi-stat .s-val {
    font-family: var(--font-display);
    font-size: 18px;
    font-weight: 700;
  }
  .kpi-stat .s-lbl {
    font-size: 11px;
    opacity: 0.7;
    margin-top: 2px;
    line-height: 1.3;
  }
  @media (max-width: 600px) { .kpi-hero-stats { grid-template-columns: repeat(2, 1fr); } }

  /* ── STRATEGY TABLE ── */
  .strategy-section .card-header h2 { font-size: 14px; }
  .strategy-table-wrap { overflow-x: auto; }
  .strategy-table {
    width: 100%; border-collapse: collapse;
    font-size: 13px;
  }
  .strategy-table th {
    background: var(--global-palette6);
    color: var(--global-palette1);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 9px 12px;
    text-align: left;
    border-bottom: 2px solid var(--global-palette5);
    white-space: nowrap;
  }
  .strategy-table td {
    padding: 9px 12px;
    border-bottom: 1px solid var(--global-palette5);
    color: var(--global-palette3);
    white-space: nowrap;
  }
  .strategy-table tr:last-child td { border-bottom: none; }
  .strategy-table tr.recommended td { background: #EEF3FF; }
  .strategy-best-badge {
    display: inline-flex; align-items: center; gap: 4px;
    font-size: 10px; font-weight: 700;
    background: var(--global-palette9); color: #fff;
    padding: 2px 7px; border-radius: 10px; margin-left: 6px;
    text-transform: uppercase; letter-spacing: 0.05em;
  }
  .strategy-table .savings { color: var(--global-palette9); font-weight: 600; }

  /* ── CHART SECTION ── */
  .chart-section .card-body { padding: 16px 20px 20px; }
  .chart-tabs { display: flex; gap: 6px; margin-bottom: 14px; }
  .chart-tab-btn {
    font-size: 12px; font-weight: 600;
    padding: 5px 12px; border-radius: 20px;
    border: 1.5px solid var(--global-palette5);
    background: transparent;
    color: var(--global-palette4);
    transition: all var(--transition);
  }
  .chart-tab-btn.active {
    background: var(--global-palette1);
    color: #fff;
    border-color: var(--global-palette1);
  }
  .chart-container { position: relative; height: 240px; }

  /* ── AMORTIZATION TABLE ── */
  .amort-section .card-body { padding: 0; }
  .amort-controls {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 16px;
    border-bottom: 1px solid var(--global-palette5);
    gap: 10px;
    flex-wrap: wrap;
  }
  .amort-controls label {
    font-size: 12px; font-weight: 600; color: var(--global-palette4);
  }
  .amort-controls select {
    font-size: 12px; padding: 4px 8px;
    border: 1px solid var(--global-palette5); border-radius: 5px;
    background: var(--global-palette7); color: var(--global-palette3);
  }
  .amort-table-wrap { overflow: auto; max-height: 300px; }
  .amort-table {
    width: 100%; border-collapse: collapse;
    font-size: 12.5px;
  }
  .amort-table thead { position: sticky; top: 0; z-index: 1; }
  .amort-table th {
    background: var(--global-palette6);
    color: var(--global-palette1);
    font-size: 11px; font-weight: 700;
    text-transform: uppercase; letter-spacing: 0.04em;
    padding: 8px 12px;
    border-bottom: 2px solid var(--global-palette5);
    white-space: nowrap;
    text-align: right;
  }
  .amort-table th:first-child { text-align: left; }
  .amort-table td {
    padding: 7px 12px;
    border-bottom: 1px solid var(--global-palette5);
    text-align: right;
    color: var(--global-palette3);
    font-variant-numeric: tabular-nums;
    white-space: nowrap;
  }
  .amort-table td:first-child { text-align: left; color: var(--global-palette4); }
  .amort-table tr:last-child td { border-bottom: none; }
  .amort-table tr.snowflake-row td { background: #FFFBEB; color: #92400E; font-weight: 600; }

  /* ── BALANCE TRANSFER ── */
  .bt-comparison {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 12px;
  }
  .bt-card {
    border-radius: var(--radius-md);
    padding: 14px;
    border: 1.5px solid var(--global-palette5);
  }
  .bt-card.current { background: #FEF6F6; border-color: #F8C2CB; }
  .bt-card.transfer { background: #F0F9F5; border-color: #B2DDD0; }
  .bt-card-title {
    font-size: 11px; font-weight: 700;
    letter-spacing: 0.06em; text-transform: uppercase;
    margin-bottom: 8px;
  }
  .bt-card.current .bt-card-title { color: var(--global-palette8); }
  .bt-card.transfer .bt-card-title { color: var(--global-palette9); }
  .bt-row { display: flex; justify-content: space-between; margin-bottom: 4px; }
  .bt-row span { font-size: 12px; color: var(--global-palette4); }
  .bt-row strong { font-size: 13px; font-variant-numeric: tabular-nums; }
  .bt-savings-banner {
    background: var(--global-palette9);
    color: #fff;
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    text-align: center;
    font-size: 13px;
    margin-top: 10px;
  }
  .bt-savings-banner .big { font-family: var(--font-display); font-size: 22px; font-weight: 700; display: block; }
  @media (max-width: 500px) { .bt-comparison { grid-template-columns: 1fr; } }

  /* ── UTILIZATION ── */
  .util-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 10px; }
  .util-card {
    border-radius: var(--radius-md);
    border: 1.5px solid var(--global-palette5);
    padding: 12px;
    text-align: center;
    background: var(--global-palette7);
  }
  .util-bar-wrap { height: 6px; background: var(--global-palette5); border-radius: 3px; margin: 8px 0; overflow: hidden; }
  .util-bar { height: 100%; border-radius: 3px; transition: width 0.4s ease; }
  .util-label { font-size: 11px; color: var(--global-palette4); }
  .util-pct { font-family: var(--font-display); font-size: 20px; font-weight: 700; }

  /* ── CARD ACT WARNING ── */
  .card-act-box {
    background: #FFFBEB;
    border: 2px solid #F59E0B;
    border-radius: var(--radius-md);
    padding: 14px 16px;
  }
  .card-act-box .warn-title {
    display: flex; align-items: center; gap: 8px;
    font-family: var(--font-display);
    font-size: 13px; font-weight: 700;
    color: #92400E; margin-bottom: 8px;
  }
  .card-act-box p {
    font-size: 13px; color: #78350F; line-height: 1.5;
  }
  .card-act-box strong { font-weight: 700; }

  /* ── EMPTY STATE ── */
  .empty-state {
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    padding: 40px 20px; text-align: center;
    color: var(--global-palette4);
  }
  .empty-state svg { width: 48px; height: 48px; margin-bottom: 12px; opacity: 0.35; }
  .empty-state p { font-size: 14px; max-width: 32ch; }

  /* ── DEBT FREE CERT ── */
  .cert-wrap {
    background: linear-gradient(135deg, #002868 0%, #00183F 100%);
    border-radius: var(--radius-lg);
    padding: 28px;
    text-align: center;
    color: #fff;
    position: relative;
    overflow: hidden;
  }
  .cert-wrap::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  }
  .cert-title { font-family: var(--font-display); font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; opacity: 0.6; margin-bottom: 6px; }
  .cert-date { font-family: var(--font-display); font-size: clamp(1.5rem,3vw,2.2rem); font-weight: 700; margin-bottom: 6px; }
  .cert-sub { font-size: 13px; opacity: 0.7; margin-bottom: 16px; }
  .cert-savings { background: rgba(255,255,255,0.12); border-radius: var(--radius-md); padding: 12px 20px; display: inline-block; }
  .cert-savings span { font-size: 12px; opacity: 0.7; display: block; margin-bottom: 3px; }
  .cert-savings strong { font-family: var(--font-display); font-size: 24px; font-weight: 700; }

  /* ── TOOLTIP ── */
  .tooltip-wrap { position: relative; display: inline-flex; }
  .tooltip-icon {
    width: 15px; height: 15px; border-radius: 50%;
    background: var(--global-palette5);
    color: var(--global-palette4);
    font-size: 10px; font-weight: 700;
    display: inline-flex; align-items: center; justify-content: center;
    cursor: default; margin-left: 4px;
  }
  .tooltip-text {
    display: none;
    position: absolute;
    bottom: calc(100% + 6px);
    left: 50%; transform: translateX(-50%);
    background: var(--global-palette3);
    color: #fff;
    font-size: 11px;
    line-height: 1.4;
    padding: 6px 10px;
    border-radius: 6px;
    white-space: nowrap;
    z-index: 100;
    max-width: 220px;
    white-space: normal;
    min-width: 160px;
    box-shadow: var(--shadow-md);
  }
  .tooltip-wrap:hover .tooltip-text,
  .tooltip-wrap:focus-within .tooltip-text { display: block; }

  /* ── DIVIDER ── */
  .section-divider {
    height: 1px;
    background: var(--global-palette5);
    margin: 4px 0;
  }

  /* ── MISC ── */
  .hidden { display: none !important; }
  .text-green { color: var(--global-palette9); }
  .text-red { color: var(--global-palette8); }
  .text-blue { color: var(--global-palette1); }
  .fw-bold { font-weight: 700; }
  .fs-12 { font-size: 12px; }
  .fs-13 { font-size: 13px; }
  .mt-6 { margin-top: 6px; }
  .mt-10 { margin-top: 10px; }
  .row-flex { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
  .expand-btn {
    font-size: 12px; font-weight: 600; color: var(--global-palette1);
    background: none; border: none; padding: 0; cursor: pointer;
    display: flex; align-items: center; gap: 4px;
  }
  .section-collapsed { display: none; }
   :root {
    --global-palette1: #002868;
    --global-palette2: #00183F;
    --global-palette3: #1D1D1F;
    --global-palette4: #5F6368;
    --global-palette5: #E0E4E8;
    --global-palette6: #F7F9FC;
    --global-palette7: #FFFFFF;
    --global-palette8: #BF0A30;
    --global-palette9: #00875A;
    --font-body: 'Inter', system-ui, sans-serif;
    --font-display: 'Montserrat', system-ui, sans-serif;
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 14px;
    --shadow-sm: 0 1px 3px rgba(0,40,104,0.08);
    --shadow-md: 0 4px 16px rgba(0,40,104,0.1);
    --shadow-lg: 0 8px 32px rgba(0,40,104,0.13);
    --transition: 180ms cubic-bezier(0.16,1,0.3,1);
  }
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
  body {
    font-family: var(--font-body);
    font-size: 16px;
    color: var(--global-palette3);
    background: var(--global-palette6);
    line-height: 1.6;
  }
  img, canvas { max-width: 100%; display: block; }
  input, button, select { font: inherit; color: inherit; }
  button { cursor: pointer; }

  /* ── WRAPPER ── */
  .calc-wrapper {
    max-width: 1160px;
    margin: 0 auto;
    padding: 32px 20px 60px;
  }

  /* ── Typography & Contrast Patch ── */
  .content-sections h2, .content-sections h3, .content-sections .section-title { color: #1e293b !important; font-weight: 800 !important; }
  .content-sections .hint, .content-sections .fs-12, .content-sections .muted { color: #64748b !important; font-weight: 500 !important; }

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

  /* ── CARDS ── */
  .card {
    background: var(--global-palette7);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--global-palette5);
    overflow: hidden;
  }
  .card-header {
    padding: 16px 20px 14px;
    border-bottom: 1px solid var(--global-palette5);
    display: flex;
    align-items: center;
    gap: 10px;
  }
  .card-header h2 {
    font-family: var(--font-display);
    font-size: 15px;
    font-weight: 700;
    color: var(--global-palette1);
    letter-spacing: 0.01em;
  }
  .card-icon {
    width: 32px; height: 32px;
    background: #EEF3FF;
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .card-icon svg { width: 16px; height: 16px; color: var(--global-palette1); }
  .card-body { padding: 18px 20px; }

  /* ═════════════════════════════════════════════════════
     ── CONTENT SECTIONS ──
     Below the calculator — all SEO content sections
     ═════════════════════════════════════════════════════ */
  .content-sections {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-top: 40px;
  }

  /* ── SECTION HEADER (H2 with icon) ── */
  .section-header {
    font-family: var(--font-display);
    font-size: clamp(1.1rem, 2.5vw, 1.45rem);
    font-weight: 800;
    color: var(--global-palette1);
    line-height: 1.3;
    margin-bottom: 4px;
    display: flex;
    align-items: center;
    gap: 10px;
  }
  .section-header .icon-circle {
    width: 36px; height: 36px;
    background: linear-gradient(135deg, #EEF3FF 0%, #D6E0FF 100%);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
  }
  .section-header .icon-circle svg {
    width: 18px; height: 18px;
    color: var(--global-palette1);
  }

  /* ── INTRO TEXT ── */
  .section-intro {
    font-size: 14px;
    color: var(--global-palette4);
    line-height: 1.65;
    max-width: 860px;
    margin-bottom: 16px;
  }
  .section-intro strong { color: var(--global-palette3); }

  /* ── HOW IT WORKS — STEPS ── */
  .steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 16px;
  }
  .step-card {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 20px 18px;
    position: relative;
    transition: box-shadow var(--transition), border-color var(--transition);
  }
  .step-card:hover {
    box-shadow: var(--shadow-md);
    border-color: rgba(0,40,104,0.2);
  }
  .step-number {
    width: 32px; height: 32px;
    background: var(--global-palette1);
    color: #fff;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 800;
    margin-bottom: 12px;
  }
  .step-card h3 {
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 700;
    color: var(--global-palette1);
    margin-bottom: 6px;
  }
  .step-card p {
    font-size: 13px;
    color: var(--global-palette4);
    line-height: 1.55;
  }

  /* ── STRATEGY EXPLAINER ── */
  .strategy-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  @media (max-width: 700px) { .strategy-cards { grid-template-columns: 1fr; } }

  .strategy-explain-card {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 20px;
    transition: box-shadow var(--transition), border-color var(--transition);
  }
  .strategy-explain-card:hover {
    box-shadow: var(--shadow-md);
    border-color: rgba(0,40,104,0.2);
  }
  .strategy-explain-card .strat-badge {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 12px;
  }
  .strat-badge.minimum { background: #FEF0F2; color: var(--global-palette8); }
  .strat-badge.avalanche { background: #EEF3FF; color: var(--global-palette1); }
  .strat-badge.snowball { background: #E6F7F1; color: var(--global-palette9); }
  .strat-badge.custom { background: #FFFBEB; color: #92400E; }

  .strategy-explain-card h3 {
    font-family: var(--font-display);
    font-size: 15px;
    font-weight: 700;
    color: var(--global-palette3);
    margin-bottom: 8px;
  }
  .strategy-explain-card p {
    font-size: 13px;
    color: var(--global-palette4);
    line-height: 1.6;
    margin-bottom: 10px;
  }
  .strategy-explain-card .pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    font-size: 12px;
  }
  .pros-cons .pro, .pros-cons .con {
    display: flex; align-items: flex-start; gap: 5px;
    line-height: 1.4;
  }
  .pros-cons .pro { color: var(--global-palette9); }
  .pros-cons .con { color: var(--global-palette8); }
  .pros-cons .pro-icon, .pros-cons .con-icon {
    flex-shrink: 0;
    font-size: 13px;
    margin-top: 1px;
  }

  /* ── TIPS SECTION ── */
  .tips-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 14px;
  }
  .tip-card {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    display: flex;
    gap: 14px;
    align-items: flex-start;
    transition: box-shadow var(--transition), border-color var(--transition);
  }
  .tip-card:hover {
    box-shadow: var(--shadow-md);
    border-color: rgba(0,40,104,0.2);
  }
  .tip-icon {
    width: 38px; height: 38px;
    background: var(--global-palette6);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    font-size: 20px;
  }
  .tip-content h3 {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    color: var(--global-palette3);
    margin-bottom: 4px;
  }
  .tip-content p {
    font-size: 12.5px;
    color: var(--global-palette4);
    line-height: 1.5;
  }

  /* ── FAQ ACCORDION ── */
  .faq-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }
  .faq-item {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: border-color var(--transition);
  }
  .faq-item.open { border-color: rgba(0,40,104,0.25); }
  .faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 14px 18px;
    background: none;
    border: none;
    width: 100%;
    text-align: left;
    font-family: var(--font-display);
    font-size: 13.5px;
    font-weight: 700;
    color: var(--global-palette3);
    cursor: pointer;
    transition: background var(--transition);
  }
  .faq-question:hover { background: var(--global-palette6); }
  .faq-chevron {
    width: 20px; height: 20px;
    flex-shrink: 0;
    transition: transform var(--transition);
    color: var(--global-palette4);
  }
  .faq-item.open .faq-chevron { transform: rotate(180deg); color: var(--global-palette1); }
  .faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0.16,1,0.3,1), padding 0.35s cubic-bezier(0.16,1,0.3,1);
    padding: 0 18px;
  }
  .faq-item.open .faq-answer {
    max-height: 600px;
    padding: 0 18px 16px;
  }
  .faq-answer p {
    font-size: 13px;
    color: var(--global-palette4);
    line-height: 1.65;
    margin-bottom: 8px;
  }
  .faq-answer p:last-child { margin-bottom: 0; }
  .faq-answer strong { color: var(--global-palette3); }
  .faq-answer a { color: var(--global-palette1); text-decoration: underline; text-underline-offset: 2px; }

  /* ── KEY TERMS / GLOSSARY ── */
  .glossary-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 14px;
  }
  .glossary-card {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    transition: box-shadow var(--transition);
  }
  .glossary-card:hover { box-shadow: var(--shadow-md); }
  .glossary-card .term {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    color: var(--global-palette1);
    margin-bottom: 4px;
    display: flex; align-items: center; gap: 6px;
  }
  .glossary-card .definition {
    font-size: 12.5px;
    color: var(--global-palette4);
    line-height: 1.55;
  }

  /* ── RELATED CALCULATORS ── */
  .related-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
    gap: 14px;
  }
  .related-card {
    background: var(--global-palette7);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 18px 16px;
    text-decoration: none;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 10px;
    transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
  }
  .related-card:hover {
    box-shadow: var(--shadow-md);
    border-color: var(--global-palette1);
    transform: translateY(-2px);
  }
  .related-card .rc-icon {
    width: 44px; height: 44px;
    background: linear-gradient(135deg, #EEF3FF 0%, #D6E0FF 100%);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px;
  }
  .related-card .rc-name {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    color: var(--global-palette1);
    line-height: 1.3;
  }
  .related-card .rc-desc {
    font-size: 11.5px;
    color: var(--global-palette4);
    line-height: 1.45;
  }
  .related-card .rc-arrow {
    font-size: 12px;
    font-weight: 600;
    color: var(--global-palette1);
    display: flex; align-items: center; gap: 4px;
    margin-top: auto;
  }

  /* ── COMPARISON TABLE (when/strategies) ── */
  .comparison-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .comparison-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 13px;
  }
  .comparison-table th {
    background: var(--global-palette6);
    color: var(--global-palette1);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    padding: 10px 14px;
    text-align: left;
    border-bottom: 2px solid var(--global-palette5);
    white-space: nowrap;
  }
  .comparison-table td {
    padding: 10px 14px;
    border-bottom: 1px solid var(--global-palette5);
    color: var(--global-palette3);
    font-size: 13px;
    line-height: 1.45;
  }
  .comparison-table tr:last-child td { border-bottom: none; }
  .comparison-table tr:hover td { background: #FAFBFD; }

  /* ── PRO TIP CALLOUT ── */
  .pro-tip-box {
    background: #EEF3FF;
    border: 2px solid rgba(0,40,104,0.15);
    border-radius: var(--radius-md);
    padding: 16px 18px;
    display: flex;
    gap: 12px;
    align-items: flex-start;
  }
  .pro-tip-box .tip-badge {
    background: var(--global-palette1);
    color: #fff;
    font-family: var(--font-display);
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 3px 10px;
    border-radius: 12px;
    white-space: nowrap;
    flex-shrink: 0;
  }
  .pro-tip-box p {
    font-size: 13px;
    color: var(--global-palette3);
    line-height: 1.55;
  }

  /* ── WARNING / INFO BOX ── */
  .info-box {
    border-radius: var(--radius-md);
    padding: 14px 18px;
    display: flex;
    gap: 10px;
    align-items: flex-start;
  }
  .info-box.warning { background: #FFFBEB; border: 2px solid #F59E0B; }
  .info-box.success { background: #E6F7F1; border: 2px solid #B2DDD0; }
  .info-box.danger { background: #FEF0F2; border: 2px solid #F8C2CB; }
  .info-box .box-icon { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
  .info-box .box-title {
    font-family: var(--font-display);
    font-size: 13px; font-weight: 700;
    margin-bottom: 4px;
  }
  .info-box.warning .box-title { color: #92400E; }
  .info-box.success .box-title { color: var(--global-palette9); }
  .info-box.danger .box-title { color: var(--global-palette8); }
  .info-box p {
    font-size: 13px;
    line-height: 1.55;
  }
  .info-box.warning p { color: #78350F; }
  .info-box.success p { color: #065F46; }
  .info-box.danger p { color: #7F1D1D; }

  /* ── CTA BANNER ── */
  .cta-banner {
    background: linear-gradient(135deg, #001840 0%, var(--global-palette1) 55%, #0d1f3c 100%);
    border-radius: 18px;
    padding: 32px 28px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .cta-banner::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(circle at 80% 30%, rgba(191,10,48,0.1) 0%, transparent 50%),
                radial-gradient(circle at 20% 70%, rgba(0,135,90,0.07) 0%, transparent 40%);
    pointer-events: none;
  }
  .cta-banner::after {
    content: '';
    position: absolute; inset: 0;
    background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                      linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
    background-size: 44px 44px;
    pointer-events: none;
  }
  .cta-banner h2 {
    font-family: var(--font-display);
    font-size: clamp(1.1rem, 2.5vw, 1.5rem);
    font-weight: 800;
    color: #fff !important;
    margin-bottom: 8px;
    position: relative; z-index: 1;
  }
  .cta-banner p {
    font-size: 14px;
    color: rgba(255,255,255,0.75);
    max-width: 600px;
    margin: 0 auto 20px;
    line-height: 1.55;
    position: relative; z-index: 1;
  }
  .cta-banner .cta-btn {
    display: inline-flex;
    align-items: center; gap: 8px;
    background: #fff;
    color: var(--global-palette1);
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 700;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
    border: none;
    box-shadow: var(--shadow-md);
    transition: background var(--transition), transform var(--transition);
    position: relative; z-index: 1;
    cursor: pointer;
  }
  .cta-banner .cta-btn:hover { background: #EEF3FF; transform: translateY(-1px); }

  /* ── METHODOLOGY / DISCLAIMER ── */
  .methodology-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }
  @media (max-width: 700px) { .methodology-content { grid-template-columns: 1fr; } }
  .method-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
  }
  .method-icon {
    width: 32px; height: 32px;
    background: var(--global-palette6);
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    font-size: 16px;
  }
  .method-item h3 {
    font-family: var(--font-display);
    font-size: 13px;
    font-weight: 700;
    color: var(--global-palette3);
    margin-bottom: 3px;
  }
  .method-item p {
    font-size: 12.5px;
    color: var(--global-palette4);
    line-height: 1.5;
  }

  /* ── TRUST BADGES ROW ── */
  .trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    justify-content: center;
    padding: 20px 0 0;
    border-top: 1px solid var(--global-palette5);
    margin-top: 16px;
  }
  .trust-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    font-weight: 600;
    color: var(--global-palette4);
    background: var(--global-palette6);
    padding: 6px 14px;
    border-radius: 20px;
    border: 1px solid var(--global-palette5);
  }
  .trust-badge svg { width: 14px; height: 14px; }

  /* ── DISCLAIMER ── */
  .disclaimer-box {
    background: var(--global-palette6);
    border: 1px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 16px 18px;
  }
  .disclaimer-box .disc-title {
    font-family: var(--font-display);
    font-size: 12px;
    font-weight: 700;
    color: var(--global-palette4);
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 6px;
    display: flex; align-items: center; gap: 6px;
  }
  .disclaimer-box p {
    font-size: 12px;
    color: var(--global-palette4);
    line-height: 1.6;
  }
  .disclaimer-box a { color: var(--global-palette1); text-decoration: underline; text-underline-offset: 2px; }

  /* ── KEY FACTS TABLE ── */
  .keyfact-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
    gap: 10px;
  }
  .keyfact-card {
    background: var(--global-palette6);
    border: 1.5px solid var(--global-palette5);
    border-radius: var(--radius-md);
    padding: 14px;
    text-align: center;
  }
  .keyfact-card .kf-val {
    font-family: var(--font-display);
    font-size: 22px;
    font-weight: 700;
    color: var(--global-palette1);
    line-height: 1.1;
    margin-bottom: 4px;
  }
  .keyfact-card .kf-label {
    font-size: 11px;
    color: var(--global-palette4);
    line-height: 1.3;
  }
  .keyfact-card.highlight { background: #EEF3FF; border-color: rgba(0,40,104,0.2); }
  .keyfact-card.danger .kf-val { color: var(--global-palette8); }
  .keyfact-card.success .kf-val { color: var(--global-palette9); }

  /* ── TEXT CONTENT INSIDE CARDS ── */
  .text-content { padding: 18px 20px; }
  .text-content h3 {
    font-family: var(--font-display);
    font-size: 14px;
    font-weight: 700;
    color: var(--global-palette1);
    margin-bottom: 8px;
    margin-top: 18px;
  }
  .text-content h3:first-child { margin-top: 0; }
  .text-content p {
    font-size: 14px;
    color: var(--global-palette3);
    line-height: 1.7;
    margin-bottom: 12px;
  }
  .text-content ul, .text-content ol { margin-bottom: 12px; }
  .text-content li {
    font-size: 14px;
    color: var(--global-palette3);
    line-height: 1.6;
  }
  .text-content a { color: var(--global-palette1); text-decoration: underline; text-underline-offset: 2px; }
  .text-content strong { color: var(--global-palette2); }

  /* ── HIDDEN UTILITY ── */
  .hidden { display: none !important; }

  /* ── MOBILE OPTIMIZATIONS ── */
  @media (max-width: 600px) {
    .calc-wrapper { padding: 16px 14px 40px; }
    .steps-grid { grid-template-columns: 1fr; }
    .tips-grid { grid-template-columns: 1fr; }
    .glossary-grid { grid-template-columns: 1fr; }
    .related-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
    .keyfact-grid { grid-template-columns: repeat(2, 1fr); }
    .methodology-content { grid-template-columns: 1fr; }
    .card-body { padding: 14px 16px; }
    .text-content { padding: 14px 16px; }
    .card-header { padding: 14px 16px 12px; }
    .strategy-explain-card .pros-cons { grid-template-columns: 1fr; }
    .cta-banner { padding: 24px 18px; }
    .pro-tip-box { flex-direction: column; gap: 8px; }
    .trust-row { gap: 8px; }
    .trust-badge { font-size: 11px; padding: 5px 10px; }
  }
  @media (max-width: 400px) {
    .related-grid { grid-template-columns: 1fr; }
    .keyfact-grid { grid-template-columns: 1fr 1fr; }
    .faq-question { font-size: 13px; padding: 12px 14px; }
  }
  /* ═══════════════════════════════════════════════════════
   LEGAL DISCLAIMER SECTION — SELF-CONTAINED CSS
   Matches credit-card-payoff-calculator.html design tokens
   ═══════════════════════════════════════════════════════ */

.po-legal {
  max-width: 900px;
  margin: 40px auto 0;
  padding: 0 18px 40px;
  font-family: var(--font-body);
  color: var(--global-palette4);
}

/* ── SECTION HEADER ── */
.po-legal-header {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #1a2a4a 100%);
  border-radius: 14px 14px 0 0;
  padding: 28px 28px 22px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.po-legal-header::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -20%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.po-legal-header-icon {
  font-size: 32px;
  display: block;
  margin-bottom: 10px;
}
.po-legal-title {
  font-family: var(--font-display);
  font-size: clamp(16px, 2.5vw, 22px);
  font-weight: 800;
  color: #fff;
  margin: 0 0 8px;
  line-height: 1.3;
}
.po-legal-subtitle {
  font-size: 12.5px;
  color: rgba(255,255,255,0.72);
  line-height: 1.55;
  max-width: 680px;
  margin: 0 auto 10px;
}
.po-legal-updated {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  color: rgba(255,255,255,0.88);
  background: rgba(255,255,255,0.12);
  padding: 4px 14px;
  border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ── DISCLAIMER CARDS ── */
.po-legal-card {
  background: var(--global-palette9-rgb, #fff);
  border: 1px solid #e2e5ea;
  border-radius: 10px;
  margin: 14px 0;
  overflow: hidden;
  transition: box-shadow 0.2s ease;
}
.po-legal-card:hover {
  box-shadow: 0 4px 20px rgba(26,42,74,0.07);
}
.po-legal-sec {
  font-family: var(--font-display);
  font-size: 13.5px;
  font-weight: 700;
  color: var(--global-palette1);
  padding: 14px 18px;
  background: #f5f7fa;
  border-bottom: 1px solid #e9ecf0;
  line-height: 1.4;
}
.po-legal-body {
  padding: 16px 18px 18px;
}
.po-legal-p {
  font-size: 12.5px;
  line-height: 1.7;
  color: #3d4a5c;
  margin-bottom: 12px;
}
.po-legal-p:last-child {
  margin-bottom: 0;
}
.po-legal-p strong {
  color: var(--global-palette1);
  font-weight: 700;
}
.po-legal-p a {
  color: var(--global-palette1);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.po-legal-p a:hover {
  color: var(--global-palette2);
}
.po-legal-ul {
  margin: 10px 0 12px 18px;
  padding: 0;
  list-style: disc;
}
.po-legal-ul li {
  font-size: 12.5px;
  line-height: 1.65;
  color: #3d4a5c;
  margin-bottom: 8px;
}
.po-legal-ul li strong {
  color: var(--global-palette1);
}

/* Sub-headings inside cards */
.po-legal-h {
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--global-palette1);
  margin: 16px 0 6px;
  padding-top: 12px;
  border-top: 1px solid #eef0f3;
}

/* ── GOVERNMENT RESOURCE LINKS ── */
.po-legal-links {
  padding: 8px 18px 18px;
}
.po-legal-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid #e9ecf0;
  border-radius: 8px;
  margin-bottom: 8px;
  text-decoration: none;
  transition: all 0.2s ease;
  background: #fff;
}
.po-legal-link:hover {
  border-color: var(--global-palette1);
  box-shadow: 0 3px 12px rgba(26,42,74,0.06);
  transform: translateY(-1px);
}
.po-legal-link-icon {
  font-size: 20px;
  flex-shrink: 0;
  width: 32px;
  text-align: center;
}
.po-legal-link-meta {
  flex: 1;
  min-width: 0;
}
.po-legal-link-name {
  font-family: var(--font-display);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--global-palette1);
  line-height: 1.3;
  margin-bottom: 2px;
}
.po-legal-link-desc {
  font-size: 11.5px;
  color: #6b7a8d;
  line-height: 1.45;
}
.po-legal-link-badge {
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 4px;
  letter-spacing: 0.03em;
  flex-shrink: 0;
}
.po-legal-link-badge.gov {
  background: #e8f5e9;
  color: #2e7d32;
}
.po-legal-link-badge.org {
  background: #e3f2fd;
  color: #1565c0;
}

/* ── EDITORIAL TRANSPARENCY ── */
.po-legal-edit {
  background: linear-gradient(135deg, #f8fafb 0%, #f0f4f7 100%);
  border: 1px solid #dce2e8;
  border-radius: 12px;
  margin: 18px 0;
  overflow: hidden;
}
.po-legal-edit-head {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 18px;
  border-bottom: 1px solid #dce2e8;
}
.po-legal-edit-icon {
  font-size: 22px;
}
.po-legal-edit-title {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 800;
  color: var(--global-palette1);
  margin: 0;
}
.po-legal-edit-body {
  padding: 18px;
}
.po-legal-edit-text {
  font-size: 12.5px;
  line-height: 1.72;
  color: #3d4a5c;
  margin-bottom: 14px;
}
.po-legal-edit-text:last-of-type {
  margin-bottom: 0;
}
.po-legal-edit-text strong {
  color: var(--global-palette1);
}

/* ── TRUST BADGES ── */
.po-legal-badges {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 20px;
}
.po-legal-badge {
  text-align: center;
  padding: 14px 8px;
  background: #fff;
  border: 1px solid #e2e5ea;
  border-radius: 8px;
  transition: all 0.2s ease;
}
.po-legal-badge:hover {
  border-color: var(--global-palette1);
  box-shadow: 0 3px 14px rgba(26,42,74,0.06);
}
.po-legal-badge-icon {
  font-size: 22px;
  margin-bottom: 6px;
}
.po-legal-badge-label {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette1);
  line-height: 1.3;
  margin-bottom: 2px;
}
.po-legal-badge-sub {
  font-size: 10px;
  color: #7a8a9d;
  line-height: 1.3;
}

/* ── STATS ROW ── */
.po-legal-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 16px;
}
.po-legal-stat {
  text-align: center;
  padding: 14px 6px;
  background: var(--global-palette1);
  border-radius: 8px;
}
.po-legal-stat-val {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
}
.po-legal-stat-label {
  font-size: 10px;
  color: rgba(255,255,255,0.78);
  line-height: 1.3;
  margin-top: 2px;
}

/* ── REFERENCE TAGS ── */
.po-legal-refs {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 14px 18px 18px;
}
.po-legal-ref {
  font-size: 10.5px;
  font-weight: 600;
  color: var(--global-palette1);
  background: #eef2f7;
  padding: 4px 10px;
  border-radius: 5px;
  text-decoration: none;
  transition: all 0.15s ease;
  border: 1px solid transparent;
}
.po-legal-ref:hover {
  background: #dce4ee;
  border-color: var(--global-palette1);
}

/* ── COPYRIGHT FOOTER ── */
.po-legal-footer {
  text-align: center;
  padding: 18px;
  background: var(--global-palette1);
  border-radius: 0 0 14px 14px;
  margin-top: 0;
}
.po-legal-footer-copy {
  font-size: 11.5px;
  color: rgba(255,255,255,0.72);
  margin-bottom: 10px;
}
.po-legal-footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
}
.po-legal-footer-link {
  font-size: 11px;
  font-weight: 600;
  color: #fff;
  text-decoration: none;
  padding: 4px 12px;
  background: rgba(255,255,255,0.12);
  border-radius: 6px;
  transition: background 0.2s ease;
}
.po-legal-footer-link:hover {
  background: rgba(255,255,255,0.22);
}

/* ═══════════ CTA BANNER (preserved, matches existing) ═══════════ */
.po-cta-banner {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #1a2a4a 100%);
  border-radius: 12px;
  padding: 30px 28px;
  text-align: center;
  margin: 30px 0 0;
  position: relative;
  overflow: hidden;
}
.po-cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -20%;
  width: 250px;
  height: 250px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.po-cta-banner h2 {
  font-family: var(--font-display);
  font-size: clamp(16px, 2.5vw, 20px);
  font-weight: 800;
  color: #fff;
  margin: 0 0 8px;
}
.po-cta-banner p {
  font-size: 13px;
  color: rgba(255,255,255,0.8);
  margin: 0 0 18px;
  line-height: 1.55;
}
.po-cta-banner .cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--global-palette2);
  color: #fff;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  padding: 12px 28px;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s ease;
}
.po-cta-banner .cta-btn:hover {
  background: #c0392b;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(231,76,60,0.35);
}

/* ═══════════ RESPONSIVE ═══════════ */
@media (max-width: 700px) {
  .po-legal { padding: 0 10px 30px; }
  .po-legal-header { padding: 22px 16px 18px; }
  .po-legal-title { font-size: 16px; }
  .po-legal-subtitle { font-size: 11.5px; }
  .po-legal-sec { font-size: 12.5px; padding: 12px 14px; }
  .po-legal-body { padding: 14px; }
  .po-legal-p, .po-legal-ul li, .po-legal-edit-text { font-size: 12px; }
  .po-legal-badges { grid-template-columns: repeat(2, 1fr); }
  .po-legal-stats { grid-template-columns: repeat(2, 1fr); }
  .po-legal-link { flex-wrap: wrap; gap: 8px; padding: 10px 12px; }
  .po-legal-link-badge { margin-top: 4px; }
  .po-legal-edit-head { padding: 14px; }
  .po-legal-edit-body { padding: 14px; }
  .po-legal-footer-links { flex-direction: column; align-items: center; }
  .po-cta-banner { padding: 22px 16px; }
}
@media (max-width: 400px) {
  .po-legal-badges { grid-template-columns: 1fr 1fr; gap: 6px; }
  .po-legal-stats { grid-template-columns: 1fr 1fr; gap: 6px; }
  .po-legal-stat-val { font-size: 15px; }
  .po-legal-link { padding: 8px 10px; }
  .po-legal-link-name { font-size: 11.5px; }
  .po-legal-link-desc { font-size: 10.5px; }
}
/* ═══════════════════════════════════════════════════════
   REAL U.S. EXAMPLES — SELF-CONTAINED CSS
   Uses calculator's design tokens (--global-palette, --font-display, --font-body)
   All classes prefixed with "ex-" to avoid conflicts
   ═══════════════════════════════════════════════════════ */

/* Story Box Container */
.ex-story {
  background: #fff;
  border-radius: 14px;
  overflow: hidden;
  margin: 28px 0;
  box-shadow: 0 6px 24px rgba(26,42,74,0.09);
  border: 2px solid #e2e5ea;
  transition: all 0.3s ease;
}
.ex-story:hover {
  box-shadow: 0 10px 32px rgba(26,42,74,0.13);
  transform: translateY(-3px);
}

/* Story Header (navy gradient bar) */
.ex-story-head {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #1a2a4a 100%);
  padding: 24px 28px;
  display: flex;
  align-items: center;
  gap: 18px;
  border-bottom: 4px solid var(--global-palette2);
  position: relative;
  overflow: hidden;
}
.ex-story-head::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -15%;
  width: 220px;
  height: 220px;
  background: radial-gradient(circle, rgba(255,255,255,0.04) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.ex-avatar {
  font-size: 3rem;
  background: #fff;
  border-radius: 50%;
  width: 72px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}
.ex-story-meta {
  flex: 1;
  color: #fff;
  min-width: 0;
}
.ex-story-meta h3 {
  font-family: var(--font-display);
  font-size: clamp(16px, 2.5vw, 20px);
  font-weight: 800;
  color: #fff;
  margin: 0 0 4px;
  line-height: 1.3;
}
.ex-story-meta p {
  font-size: 13px;
  opacity: 0.92;
  margin: 3px 0;
  color: #fff;
}
.ex-loc {
  font-size: 12.5px;
  opacity: 0.78;
}
.ex-date {
  display: inline-block;
  background: rgba(231,76,60,0.85);
  padding: 4px 12px;
  border-radius: 16px;
  font-size: 11.5px;
  font-weight: 600;
  margin-top: 6px;
  color: #fff;
}

/* Story Body Content */
.ex-body {
  padding: 28px;
}
.ex-body h4 {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 700;
  color: var(--global-palette1);
  margin: 24px 0 12px;
  padding-left: 14px;
  border-left: 4px solid var(--global-palette2);
}
.ex-body h4:first-child {
  margin-top: 0;
}
.ex-body p {
  font-size: 13.5px;
  line-height: 1.72;
  color: #3d4a5c;
  margin-bottom: 14px;
}
.ex-body strong {
  color: var(--global-palette1);
}

/* Data List (input details) */
.ex-data {
  list-style: none;
  padding: 0;
  margin: 12px 0 18px;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 8px;
}
.ex-data li {
  font-size: 13px;
  color: #3d4a5c;
  padding: 8px 12px;
  background: #f5f7fa;
  border-radius: 6px;
  border-left: 3px solid var(--global-palette1);
  line-height: 1.45;
}
.ex-data li strong {
  color: var(--global-palette1);
}
.ex-data li .ex-val {
  color: var(--global-palette9);
  font-weight: 700;
  font-family: 'Courier New', monospace;
}

/* Calculation Result Table */
.ex-calc-table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
  font-size: 13px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  border-radius: 10px;
  overflow: hidden;
}
.ex-calc-table thead {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #1a2a4a 100%);
  color: #fff;
}
.ex-calc-table th {
  padding: 12px 14px;
  text-align: left;
  font-weight: 600;
  font-size: 12.5px;
}
.ex-calc-table th:last-child {
  text-align: right;
}
.ex-calc-table tbody tr {
  border-bottom: 1px solid #eef0f3;
  transition: background 0.15s ease;
}
.ex-calc-table tbody tr:hover {
  background: #f8fafb;
}
.ex-calc-table td {
  padding: 11px 14px;
  color: #3d4a5c;
}
.ex-calc-table td:last-child {
  text-align: right;
  font-family: 'Courier New', monospace;
  font-weight: 700;
  color: var(--global-palette1);
}
.ex-calc-table td small {
  display: block;
  font-size: 11px;
  color: #8a95a5;
  font-family: var(--font-body);
  font-weight: 400;
  margin-top: 2px;
}
.ex-calc-table .ex-total-row {
  background: #f0fdf4 !important;
}
.ex-calc-table .ex-total-row td {
  font-weight: 800;
  font-size: 14px;
  padding: 14px;
  border-top: 2px solid var(--global-palette9);
}
.ex-calc-table .ex-total-row td:last-child {
  color: var(--global-palette9);
  font-size: 15px;
}
.ex-calc-table .ex-savings-row {
  background: #eff6ff !important;
}
.ex-calc-table .ex-savings-row td {
  color: var(--global-palette1);
  font-weight: 700;
}

/* 3-Way Comparison Grid */
.ex-compare {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 18px 0;
}
.ex-compare-card {
  padding: 16px;
  border-radius: 10px;
  text-align: center;
  border: 2px solid;
}
.ex-compare-card.ex-bad {
  background: #fef2f2;
  border-color: #fca5a5;
}
.ex-compare-card.ex-mid {
  background: #fefce8;
  border-color: #fde047;
}
.ex-compare-card.ex-good {
  background: #f0fdf4;
  border-color: #86efac;
}
.ex-compare-label {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 8px;
}
.ex-bad .ex-compare-label { color: #dc2626; }
.ex-mid .ex-compare-label { color: #ca8a04; }
.ex-good .ex-compare-label { color: #16a34a; }

.ex-compare-val {
  font-family: 'Courier New', monospace;
  font-size: 20px;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 4px;
}
.ex-bad .ex-compare-val { color: #dc2626; }
.ex-mid .ex-compare-val { color: #a16207; }
.ex-good .ex-compare-val { color: #15803d; }

.ex-compare-sub {
  font-size: 11px;
  color: #64748b;
  line-height: 1.35;
}

/* Info / Warning / Success boxes inside stories */
.ex-info {
  padding: 14px 16px;
  border-radius: 8px;
  margin: 16px 0;
  font-size: 12.5px;
  line-height: 1.6;
}
.ex-info strong {
  display: block;
  margin-bottom: 4px;
  font-size: 13px;
}
.ex-info.ex-tip {
  background: #eff6ff;
  border-left: 4px solid #3b82f6;
}
.ex-info.ex-tip strong { color: #1d4ed8; }
.ex-info.ex-warn {
  background: #fefce8;
  border-left: 4px solid #eab308;
}
.ex-info.ex-warn strong { color: #a16207; }
.ex-info.ex-win {
  background: #f0fdf4;
  border-left: 4px solid #22c55e;
}
.ex-info.ex-win strong { color: #15803d; }
.ex-info.ex-danger {
  background: #fef2f2;
  border-left: 4px solid #ef4444;
}
.ex-info.ex-danger strong { color: #dc2626; }

/* Quote */
.ex-quote {
  border-left: 4px solid var(--global-palette1);
  padding: 14px 18px;
  margin: 18px 0;
  font-style: italic;
  font-size: 13px;
  color: #475569;
  background: #f8fafc;
  border-radius: 0 8px 8px 0;
  line-height: 1.65;
}
.ex-quote cite {
  display: block;
  margin-top: 8px;
  font-style: normal;
  font-weight: 700;
  color: var(--global-palette1);
  font-size: 12px;
}

/* Lesson Box */
.ex-lessons {
  background: #f8fafc;
  border: 2px solid #e2e5ea;
  border-radius: 10px;
  padding: 18px;
  margin-top: 20px;
}
.ex-lessons strong {
  font-family: var(--font-display);
  font-size: 13.5px;
  color: var(--global-palette1);
  display: block;
  margin-bottom: 10px;
}
.ex-lessons-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.ex-lesson-item {
  font-size: 12px;
  padding: 10px 12px;
  background: #fff;
  border-radius: 6px;
  border-left: 3px solid var(--global-palette1);
  color: #3d4a5c;
  line-height: 1.5;
}
.ex-lesson-item b {
  display: block;
  color: var(--global-palette1);
  font-size: 12.5px;
  margin-bottom: 2px;
}

/* Formula highlight */
.ex-formula {
  background: #f5f7fa;
  border: 1px solid #dce2e8;
  border-radius: 8px;
  padding: 12px 16px;
  font-family: 'Courier New', monospace;
  font-size: 12px;
  line-height: 1.7;
  color: #1e293b;
  margin: 12px 0;
  border-left: 4px solid var(--global-palette1);
  white-space: pre-line;
}

/* Case Number Badge */
.ex-case-num {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  color: #fff;
  background: var(--global-palette2);
  padding: 3px 12px;
  border-radius: 12px;
  letter-spacing: 0.03em;
  margin-bottom: 8px;
}

/* Responsive */
@media (max-width: 700px) {
  .ex-story-head { padding: 18px 16px; gap: 14px; }
  .ex-avatar { width: 56px; height: 56px; font-size: 2.2rem; }
  .ex-story-meta h3 { font-size: 15px; }
  .ex-body { padding: 20px 16px; }
  .ex-data { grid-template-columns: 1fr; }
  .ex-compare { grid-template-columns: 1fr; }
  .ex-compare-card { display: flex; align-items: center; gap: 14px; text-align: left; }
  .ex-compare-val { font-size: 18px; margin-bottom: 0; }
  .ex-lessons-grid { grid-template-columns: 1fr; }
  .ex-calc-table { font-size: 12px; }
  .ex-calc-table th, .ex-calc-table td { padding: 8px 10px; }
  .ex-formula { font-size: 11px; padding: 10px 12px; }
}
@media (max-width: 480px) {
  .ex-story-head { flex-direction: column; text-align: center; padding: 18px 14px; }
  .ex-avatar { margin-bottom: 4px; }
  .ex-body h4 { font-size: 13px; }
  .ex-calc-table .ex-total-row td { font-size: 13px; }
}

/* ── 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}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{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){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{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}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{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){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}
/* ─────────────────────────────────────────────
   FIX 5: Force Equal Input Widths (Balance vs APR)
   ───────────────────────────────────────────── */
.card-item-grid {
  /* Forces all columns in the card grid to be exactly equal */
  grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
}

.input-wrap {
  width: 100% !important;
}

.input-wrap input {
  width: 100% !important;
  min-width: 0 !important;
}