:root{--navy:#1a3a5c;--navy2:#0f2540;--red:#c0392b;--green:#00875A;--green2:#065f46;--orange:#e67e22;--teal:#0891B2;--white:#fff;--charcoal:#1a1a2e;--gray:#5f6b7a;--border:#dde3ea;--bg:#f4f7fb;--purple:#6c3fc5;--gold:#f39c12;--sh:0 2px 10px rgba(15,37,64,.1);--radius:10px;--radius-lg:16px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);background:#eef1f6;-webkit-font-smoothing:antialiased;line-height:1.6}

/* ── Typography & Contrast Patch ── */
#crWrapper .fl, #crWrapper .stl, #crWrapper .ct, #crWrapper .mg-head, #crWrapper .chart-title, #crWrapper .loan-row-header { color: #1e293b !important; font-weight: 800 !important; }
#crWrapper .fi, #crWrapper .fsel { font-weight: 600 !important; color: #0f172a !important; font-size: 15px !important; }
#crWrapper .ipx, #crWrapper .isx { color: #334155 !important; font-weight: 800 !important; }
#crWrapper .fh, #crWrapper .cs, #crWrapper .croa-text { color: #64748b !important; font-weight: 500 !important; }

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

/* ---- HERO ---- */
.hero{background:linear-gradient(135deg,var(--navy2) 0%,var(--navy) 60%,#1e4d7b 100%);padding:52px 20px 44px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.hero-inner{max-width:900px;margin:0 auto;position:relative;z-index:1}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(243,156,18,.15);border:1px solid rgba(243,156,18,.4);color:#fcd34d;font-size:12px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:18px;letter-spacing:.3px}
.bdot{width:7px;height:7px;background:#fcd34d;border-radius:50%;animation:blink 1.5s ease-in-out infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.2}}
.hero h1{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,4.5vw,42px);color:#ffffff !important;line-height:1.15;margin-bottom:14px}
.hero h1 span{color:#FCD34D}
.hero p{font-size:15px;color:rgba(255,255,255,.83);max-width:730px;margin:0 auto 22px;line-height:1.8}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.92);font-size:12px;font-weight:600;padding:5px 14px;border-radius:20px}

/* ---- LAYOUT ---- */
.wrap{max-width:1200px;margin:0 auto;padding:28px 18px 80px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.ch{display:flex;align-items:flex-start;gap:14px;padding:24px 28px 0}
.ci{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.cin{background:rgba(26,58,92,.1)}.cig{background:rgba(0,135,90,.1)}.cir{background:rgba(192,57,43,.1)}
.ct{font-family:'Montserrat',sans-serif;font-weight:800;font-size:18px;color:var(--charcoal)}
.cs{font-size:13px;color:var(--gray);margin-top:3px}

/* ---- TABS ---- */
.tabs{display:flex;border-bottom:2px solid var(--border);margin:18px 28px 0;overflow-x:auto;scrollbar-width:none;gap:2px}
.tabs::-webkit-scrollbar{display:none}
.tb{padding:10px 18px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:12px;color:var(--gray);border:none;background:none;cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .2s;border-radius:6px 6px 0 0}
.tb:hover{background:var(--bg);color:var(--navy)}
.tb.active{color:var(--navy);border-bottom-color:var(--navy);background:rgba(26,58,92,.05)}
.tp{display:none;padding:26px 28px 30px}.tp.active{display:block}
.stl{font-family:'Montserrat',sans-serif;font-weight:800;font-size:11.5px;color:var(--navy);text-transform:uppercase;letter-spacing:.8px;margin:20px 0 12px;display:flex;align-items:center;gap:10px}
.stl::after{content:'';flex:1;height:1px;background:var(--border)}

/* ---- FORMS ---- */
.fg{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-bottom:16px}
.fg3{grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.fw{display:flex;flex-direction:column;gap:4px}
.fl{font-size:13px;font-weight:600;color:var(--charcoal)}
.fh{font-size:11.5px;color:var(--gray);line-height:1.45}
.iw{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;background:var(--white);transition:border .2s,box-shadow .2s;width:100%}
.iw:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,58,92,.09)}
.ipx,.isx{padding:0 10px;font-size:13px;font-weight:600;color:var(--gray);background:var(--bg);align-self:stretch;display:flex;align-items:center;white-space:nowrap}
.ipx{border-right:1px solid var(--border)}.isx{border-left:1px solid var(--border)}
.fi{flex:1;padding:10px 12px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);border:none;outline:none;background:transparent;width:100%}
.fsel{width:100%;padding:10px 12px;border:1.5px solid var(--border);border-radius:8px;font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);background:var(--white);outline:none;cursor:pointer;transition:border .2s}
.fsel:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,58,92,.09)}

/* ---- FICO SLIDER ---- */
.score-slider-wrap{margin-bottom:20px}
.score-display{display:flex;align-items:flex-end;gap:10px;margin-bottom:10px}
.score-big{font-family:'Montserrat',sans-serif;font-size:2.6rem;font-weight:900;color:var(--navy);line-height:1;font-variant-numeric:tabular-nums}
.score-tier-badge{padding:4px 12px;border-radius:20px;font-size:11px;font-weight:800;font-family:'Montserrat',sans-serif;letter-spacing:0.05em;margin-bottom:6px;text-transform:uppercase}
.tier-poor{background:#fde8eb;color:var(--red)}
.tier-fair{background:#fef3e2;color:var(--orange)}
.tier-good{background:#e8ebf2;color:var(--navy)}
.tier-verygood{background:#dbeafe;color:#1d4ed8}
.tier-exceptional{background:#e6f4ec;color:var(--green)}
input[type=range].cr-range{width:100%;height:6px;border-radius:10px;background:var(--border);outline:none;-webkit-appearance:none;cursor:pointer;margin:8px 0}
input[type=range].cr-range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--navy);border:2px solid #fff;box-shadow:var(--sh);cursor:pointer}
.score-scale{display:flex;justify-content:space-between;font-size:10px;font-weight:600;color:var(--gray);margin-top:4px}

/* ---- LOAN ROWS ---- */
.loan-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:18px;margin-bottom:14px}
.loan-row-header{grid-column:1/-1;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:4px;display:flex;align-items:center;gap:8px}

/* ---- SERVICE CARDS ---- */
.service-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:12px;margin-bottom:20px}
.service-card{border:1.5px solid var(--border);border-radius:var(--radius);padding:14px;cursor:pointer;transition:all .2s;background:var(--white)}
.service-card:hover{border-color:var(--navy);box-shadow:var(--sh)}
.service-card.selected{border-color:var(--navy);background:rgba(26,58,92,.05);box-shadow:var(--sh)}
.service-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:4px}
.service-price{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;color:var(--red);line-height:1}
.service-setup{font-size:11px;color:var(--gray);margin-top:4px;font-weight:500}
.service-diy .service-price{color:var(--green)}

/* ---- TOGGLE SWITCH ---- */
.section-toggle{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:var(--charcoal);cursor:pointer;margin-bottom:14px}
.toggle-switch{width:36px;height:20px;background:var(--border);border-radius:10px;position:relative;transition:background .2s;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(--sh);transition:transform .2s}
.toggle-switch.on{background:var(--green)}
.toggle-switch.on::after{transform:translateX(16px)}

/* ---- ACTIONS ---- */
.actions{display:flex;flex-wrap:wrap;gap:12px;padding:20px 28px 28px;border-top:1px solid var(--border);background:var(--bg)}
.btn-main{display:inline-flex;align-items:center;gap:8px;padding:14px 30px;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;border:none;border-radius:9px;cursor:pointer;transition:all .2s}
.btn-main:hover{background:#0f2540;transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,58,92,.28)}
.btn-pdf,.btn-wa,.btn-rst{display:none;align-items:center;gap:8px;padding:12px 22px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;border:none;border-radius:9px;cursor:pointer;transition:all .2s}
.btn-pdf{background:var(--red);color:#fff}.btn-pdf:hover{background:#922b21}
.btn-wa{background:var(--green);color:#fff}.btn-wa:hover{background:#006644}
.btn-rst{background:var(--white);color:var(--gray);border:1.5px solid var(--border)}.btn-rst:hover{border-color:var(--navy);color:var(--navy)}

/* ---- CARD STRIP (KPIs) ---- */
.crd-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;padding:22px 28px 0}
.kc{border-radius:var(--radius);padding:18px;text-align:center;color:#fff}
.kc-n{background:var(--navy)}.kc-g{background:linear-gradient(135deg,var(--green2),#00a068)}.kc-o{background:linear-gradient(135deg,#b45309,var(--orange))}
.kc-r{background:linear-gradient(135deg,#922b21,var(--red))}.kc-p{background:linear-gradient(135deg,#4c1d95,var(--purple))}
.kl{font-size:10px;font-weight:700;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px}
.kv{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(16px,3vw,24px);line-height:1.1;margin-bottom:3px}
.ks{font-size:10px;opacity:.78}

/* ---- INFO BAR ---- */
.ibar{margin:18px 28px;padding:14px 20px;border-radius:10px;font-size:13.5px;line-height:1.8;border-left:4px solid var(--navy);background:rgba(26,58,92,.06);color:var(--charcoal)}
.ibar.warn{border-left-color:var(--orange);background:rgba(230,126,34,.06)}
.ibar.danger{border-left-color:var(--red);background:rgba(192,57,43,.06)}
.ibar.good{border-left-color:var(--green);background:rgba(0,135,90,.06)}

/* ---- BREAK-EVEN BAR ---- */
.breakeven-bar-wrap{margin:24px 28px}
.breakeven-track{height:12px;background:var(--border);border-radius:10px;overflow:hidden;position:relative}
.breakeven-fill{height:100%;border-radius:10px;background:linear-gradient(90deg,var(--red),var(--navy));transition:width .5s ease}
.breakeven-labels{display:flex;justify-content:space-between;font-size:11px;color:var(--gray);font-weight:600;margin-top:6px}
.breakeven-month-marker{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--navy);text-align:center;margin-bottom:8px}

/* ---- SECTIONS & CHARTS ---- */
.sec-pad{padding:0 28px 0}
.charts-grid{display:grid;grid-template-columns:1fr;gap:18px;padding:0 28px 24px}
@media(min-width:768px){.charts-grid{grid-template-columns:1fr 1fr}}
.chart-box{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:18px}
.chart-title{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--charcoal);margin-bottom:14px}
.chart-wrap{position:relative;height:240px}

/* ---- TABLES ---- */
.tbl-wrap{overflow-x:auto;margin:0 28px 22px;border:1.5px solid var(--border);border-radius:var(--radius)}
.amort-table{width:100%;border-collapse:collapse;font-size:12.5px;min-width:600px}
.amort-table th{background:var(--navy);color:#fff;padding:10px 14px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:11px;text-transform:uppercase;letter-spacing:.4px;text-align:right}
.amort-table th:first-child{text-align:left}
.amort-table td{padding:9px 14px;border-bottom:1px solid var(--border);text-align:right;color:var(--charcoal)}
.amort-table td:first-child{text-align:left;font-weight:600;color:var(--gray)}
.amort-table tr:nth-child(even) td{background:var(--bg)}
.amort-table tfoot td, .row-total td{font-weight:700;background:rgba(26,58,92,.05);border-bottom:none;color:var(--navy)}
.td-winner{font-weight:700;color:var(--green)!important}

/* ---- INFO BOX & CROA ---- */
.info-box{background:rgba(26,58,92,.04);border:1px solid rgba(26,58,92,.15);border-radius:var(--radius);padding:14px 18px;margin-top:14px;font-size:12.5px;color:var(--gray);display:flex;gap:12px;align-items:flex-start}
.info-box svg{flex-shrink:0;color:var(--navy);margin-top:2px}
.croa-notice{background:rgba(217,119,6,.06);border:1px solid rgba(217,119,6,.2);border-radius:var(--radius);padding:14px 18px;margin-top:14px;display:flex;gap:12px;align-items:flex-start}
.croa-notice svg{flex-shrink:0;color:var(--orange);margin-top:2px}
.croa-text{font-size:12.5px;color:var(--gray);line-height:1.5}
.croa-text strong{color:var(--charcoal)}

/* ---- RESPONSIVE ---- */
.hidden { display: none !important; }
@media(max-width:640px){
  .crd-strip{grid-template-columns:1fr 1fr}
  .wrap{padding:14px 12px 60px}
  .ch,.tp,.actions{padding-left:14px;padding-right:14px}
  .charts-grid,.sec-pad,.tbl-wrap,.ibar,.breakeven-bar-wrap{padding-left:14px;padding-right:14px;margin-left:0;margin-right:0}
  .loan-row{grid-template-columns:1fr}
}
/* ══════════════════════════════════════════════
   CONTENT SECTIONS STYLES
   ══════════════════════════════════════════════ */
.sec-pad{padding:4px 28px 24px}

/* ── Section 1: How to Use ── */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:18px}
.step-card{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:20px 16px;position:relative;transition:transform .2s,box-shadow .2s}
.step-card:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(15,37,64,.1)}
.step-num{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--navy2),var(--navy));color:#FCD34D;font-family:'Montserrat',sans-serif;font-weight:900;font-size:15px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step-card h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal);margin-bottom:6px}
.step-card p{font-size:12.5px;color:var(--gray);line-height:1.7}

/* ── Section 2: Understanding ── */
.concept-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:22px}
.concept-block{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:20px 18px;text-align:center;transition:transform .2s,box-shadow .2s}
.concept-block:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(15,37,64,.08)}
.concept-icon{font-size:28px;margin-bottom:10px}
.concept-block h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:var(--charcoal);margin-bottom:6px}
.concept-block p{font-size:12.5px;color:var(--gray);line-height:1.7}
.amort-table{width:100%;border-collapse:collapse;margin-top:10px;font-size:13px}
.amort-table thead{background:linear-gradient(135deg,var(--navy2),var(--navy))}
.amort-table thead th{color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:11.5px;padding:10px 12px;text-align:left;letter-spacing:.3px}
.amort-table tbody td{padding:10px 12px;border-bottom:1px solid var(--border);color:var(--charcoal);font-weight:500}
.amort-table tbody tr:hover{background:rgba(26,58,92,.03)}
.amort-table tbody tr:nth-child(even){background:var(--bg)}
.bdg{font-size:11px;font-weight:700;padding:3px 10px;border-radius:12px;display:inline-block;white-space:nowrap}
.bdg-grn{background:#e6f4ec;color:var(--green)}.bdg-org{background:#fef3e2;color:var(--orange)}.bdg-red{background:#fde8eb;color:var(--red)}.bdg-blu{background:#dbeafe;color:#1d4ed8}

/* ── Section 3: Formulas ── */
.formula-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-bottom:16px}
.formula-card{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:18px;transition:transform .2s}
.formula-card:hover{transform:translateY(-2px);box-shadow:var(--sh)}
.formula-card h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--charcoal);margin-bottom:8px}
.formula-expr{background:var(--white);border-left:3px solid var(--navy);padding:10px 14px;font-family:'Courier New',monospace;font-size:12.5px;color:var(--navy);font-weight:600;border-radius:0 6px 6px 0;margin-bottom:8px;overflow-x:auto;white-space:nowrap}
.formula-card .fh{font-size:11.5px;color:var(--gray);line-height:1.65}

/* ── Section 4: Real Examples ── */
.example-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-bottom:16px}
.ex-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:transform .2s,box-shadow .2s}
.ex-card:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(15,37,64,.1)}
.ex-head{background:linear-gradient(135deg,var(--navy2),var(--navy));padding:16px 18px;display:flex;align-items:center;gap:12px}
.ex-avatar{width:38px;height:38px;border-radius:50%;background:rgba(252,211,77,.2);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.ex-head-text h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;color:#fff;margin:0}
.ex-head-text span{font-size:11px;color:rgba(255,255,255,.7);font-weight:500}
.ex-body{padding:16px 18px}
.ex-row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px dashed var(--border);font-size:12.5px}
.ex-row:last-child{border-bottom:none}
.ex-label{color:var(--gray);font-weight:500}
.ex-val{font-weight:700;color:var(--charcoal);font-variant-numeric:tabular-nums}
.ex-result{margin:10px 0 0;background:rgba(0,135,90,.06);border:1.5px solid rgba(0,135,90,.2);border-radius:8px;padding:12px 14px;text-align:center}
.ex-result-title{font-size:10.5px;font-weight:600;color:var(--green2);text-transform:uppercase;letter-spacing:.5px;margin-bottom:2px}
.ex-result-val{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;color:var(--green)}
.ex-result-sub{font-size:11px;color:var(--gray);margin-top:2px;font-weight:500}

/* ── Section 5: Pro Tips ── */
.tips-list{display:flex;flex-direction:column;gap:14px;margin-bottom:14px}
.tip-item{display:flex;align-items:flex-start;gap:14px;padding:16px 18px;background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);transition:transform .2s,box-shadow .2s}
.tip-item:hover{transform:translateX(4px);box-shadow:var(--sh)}
.tip-num{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:900;font-size:14px;color:#fff;flex-shrink:0}
.tn1{background:linear-gradient(135deg,var(--navy2),var(--navy))}.tn2{background:linear-gradient(135deg,var(--green2),var(--green))}.tn3{background:linear-gradient(135deg,#991b1b,var(--red))}.tn4{background:linear-gradient(135deg,#b45309,var(--orange))}.tn5{background:linear-gradient(135deg,#0e7490,var(--teal))}.tn6{background:linear-gradient(135deg,#5b21b6,var(--purple))}.tn7{background:linear-gradient(135deg,#92400e,var(--gold))}
.tip-body h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--charcoal);margin-bottom:4px}
.tip-body .tip-tag{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:10px;background:rgba(26,58,92,.08);color:var(--navy);margin-bottom:6px}
.tip-body p{font-size:12.5px;color:var(--gray);line-height:1.7}

/* ── Section 6: FAQ ── */
.faq-list{margin-bottom:14px}
.faq-item{border:1.5px solid var(--border);border-radius:var(--radius);margin-bottom:10px;overflow:hidden;transition:box-shadow .2s}
.faq-item:hover{box-shadow:var(--sh)}
.faq-q{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;cursor:pointer;background:var(--white);transition:background .2s;gap:12px}
.faq-q:hover{background:var(--bg)}
.faq-q span{font-family:'Montserrat',sans-serif;font-weight:700;font-size:13.5px;color:var(--charcoal);flex:1}
.faq-toggle{width:28px;height:28px;border-radius:50%;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;color:var(--navy);transition:all .3s;flex-shrink:0;line-height:1}
.faq-item.open .faq-toggle{background:var(--navy);color:#fff;border-color:var(--navy);transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;background:var(--bg)}
.faq-item.open .faq-a{max-height:600px}
.faq-a-inner{padding:16px 18px;font-size:13px;color:var(--gray);line-height:1.85}
.faq-a-inner strong{color:var(--charcoal)}

/* ── Section 7: Related ── */
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;padding:0 28px 28px}
.related-card{display:flex;align-items:flex-start;gap:14px;padding:16px;background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);text-decoration:none;color:inherit;transition:all .2s}
.related-card:hover{border-color:var(--navy);box-shadow:0 6px 20px rgba(15,37,64,.1);transform:translateY(-2px)}
.rc-icon{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.related-card div:nth-child(2) div:first-child{font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:var(--charcoal);margin-bottom:3px}
.related-card p{font-size:11.5px;color:var(--gray);line-height:1.6;margin:0}

/* ── Section 8: Disclaimer ── */
.disclaimer-body{padding:0 28px 28px}
.disc-box{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:22px 24px}
.disc-box p{font-size:12.5px;color:var(--gray);line-height:1.85;margin-bottom:12px}
.disc-box p:last-of-type{margin-bottom:0}
.disc-box strong{color:var(--charcoal)}
.disc-box a{color:var(--navy);text-decoration:none;font-weight:600;border-bottom:1px dashed var(--navy);transition:color .2s,border-color .2s}
.disc-box a:hover{color:var(--red);border-bottom-color:var(--red)}
.disc-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.disc-chip{background:var(--white);border:1px solid var(--border);font-size:11px;font-weight:600;color:var(--gray);padding:4px 12px;border-radius:14px}

/* ── Editorial Transparency ── */
.po-legal-edit{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--sh);margin-bottom:26px;overflow:hidden}
.po-legal-edit-head{display:flex;align-items:center;gap:14px;padding:24px 28px;background:linear-gradient(135deg,var(--navy2) 0%,var(--navy) 100%);border-bottom:4px solid var(--gold)}
.po-legal-edit-icon{font-size:28px;width:50px;height:50px;background:rgba(255,255,255,.12);border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.po-legal-edit-title{font-family:'Montserrat',sans-serif;font-weight:900;font-size:17px;color:#fff;line-height:1.3}
.po-legal-edit-body{padding:28px}
.po-legal-edit-text{font-size:13px;color:var(--gray);line-height:1.9;margin-bottom:16px}
.po-legal-edit-text:last-of-type{margin-bottom:0}
.po-legal-edit-text strong{color:var(--charcoal)}
.po-legal-edit-text a{color:var(--navy);text-decoration:none;font-weight:600;border-bottom:1px dashed var(--navy);transition:color .2s,border-color .2s}
.po-legal-edit-text a:hover{color:var(--red);border-bottom-color:var(--red)}
.po-legal-badges{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:24px 0}
.po-legal-badge{background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius);padding:16px 14px;text-align:center;transition:transform .2s,box-shadow .2s}
.po-legal-badge:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(15,37,64,.1)}
.po-legal-badge-icon{font-size:24px;margin-bottom:8px}
.po-legal-badge-label{font-family:'Montserrat',sans-serif;font-weight:800;font-size:11.5px;color:var(--charcoal);margin-bottom:3px}
.po-legal-badge-sub{font-size:10.5px;color:var(--gray);line-height:1.4}
.po-legal-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:24px 0 20px}
.po-legal-stat{background:linear-gradient(135deg,var(--navy2),var(--navy));border-radius:var(--radius);padding:18px 14px;text-align:center;color:#fff}
.po-legal-stat-val{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(16px,3vw,22px);margin-bottom:4px;color:#FCD34D}
.po-legal-stat-label{font-size:10.5px;font-weight:600;opacity:.85;letter-spacing:.3px}
.po-legal-refs{display:flex;flex-wrap:wrap;gap:8px;padding:18px 28px 24px;border-top:1px solid var(--border);background:var(--bg)}
.po-legal-ref{display:inline-flex;align-items:center;gap:4px;padding:6px 14px;background:var(--white);border:1.5px solid var(--border);border-radius:20px;font-size:11.5px;font-weight:600;color:var(--navy);text-decoration:none;transition:all .2s;white-space:nowrap}
.po-legal-ref:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateY(-1px);box-shadow:0 4px 12px rgba(26,58,92,.2)}
.po-legal-ref::before{content:'🔗';font-size:10px}

/* ── Info Bar ── */
.ibar{display:flex;align-items:flex-start;gap:10px;padding:12px 16px;border-radius:8px;font-size:12.5px;line-height:1.65;margin-top:14px}
.ibar-green{background:rgba(0,135,90,.06);border:1px solid rgba(0,135,90,.18);color:var(--green2)}
.ibar-blue{background:rgba(8,145,178,.06);border:1px solid rgba(8,145,178,.18);color:#0e7490}
.ibar-orange{background:rgba(230,126,34,.06);border:1px solid rgba(230,126,34,.18);color:#b45309}
.ibar i-icon{flex-shrink:0;font-style:normal}

/* ══════════════ MOBILE RESPONSIVE ══════════════ */
@media(max-width:768px){
  .steps-grid,.concept-grid{grid-template-columns:1fr 1fr}
  .formula-grid,.example-grid{grid-template-columns:1fr}
  .related-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .sec-pad,.disclaimer-body{padding-left:14px;padding-right:14px}
  .ch{padding:18px 14px 0}
  .steps-grid,.concept-grid,.related-grid{grid-template-columns:1fr;gap:10px}
  .ct{font-size:16px}
  .tip-item{flex-direction:column;gap:10px}
  .po-legal-edit-head{padding:18px 14px;gap:10px}
  .po-legal-edit-icon{width:40px;height:40px;font-size:22px}
  .po-legal-edit-title{font-size:14px}
  .po-legal-edit-body{padding:18px 14px}
  .po-legal-badges{grid-template-columns:1fr 1fr;gap:8px}
  .po-legal-stats{grid-template-columns:1fr 1fr;gap:10px}
  .po-legal-refs{padding:14px;gap:6px}
  .po-legal-ref{font-size:10.5px;padding:5px 11px}
  .amort-table{font-size:11.5px}
  .amort-table thead th,.amort-table tbody td{padding:8px 8px}
}
@media(max-width:400px){
  .po-legal-badges,.po-legal-stats{grid-template-columns:1fr}
  .related-grid{padding:0 14px 18px}
}

/* ── 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}
}