:root {
  --navy:#002868; --navy-dark:#001a45; --navy-light:#003a8c;
  --red:#BF0A30; --green:#00875A;
  --green-bg:#e8f5f0; --amber:#D97706; --amber-bg:#FEF3C7;
  --red-bg:#FEE2E2; --navy-bg:rgba(0,40,104,0.06);
  --white:#fff; --g50:#f9fafb; --g100:#f3f4f6;
  --g200:#e5e7eb; --g300:#d1d5db; --g400:#9ca3af;
  --g500:#6b7280; --g700:#374151; --g900:#111827;
  --r:12px; --rl:18px; --sh:0 2px 12px rgba(0,40,104,0.08);
  --shl:0 6px 32px rgba(0,40,104,0.14);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--g50);color:var(--g900);line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}
 
/* ── HEADER ── */
/* ── HEADER ── */
.hdr{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,#004aad 100%);color:#fff;padding:44px 20px 36px;text-align:center;position:relative;overflow:hidden}
.hdr::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='%23ffffff' fill-opacity='0.03'%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/svg%3E");pointer-events:none}
.hdr .brand{font-size:11px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:rgba(255,255,255,0.55);margin-bottom:10px}

/* 🚨 FIXED: Forced white color to override Kadence Theme 🚨 */
.hdr h1{font-size:clamp(22px,4vw,36px);font-weight:800;letter-spacing:-0.5px;margin-bottom:10px; color: #ffffff !important;}

.hdr .sub{color:rgba(255,255,255,0.72);font-size:14px;max-width:580px;margin:0 auto 18px}
.badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.badge{background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.18);border-radius:20px;padding:4px 12px;font-size:11px;font-weight:600;color:rgba(255,255,255,0.82)}

 
/* ── CONTAINER ── */
.wrap{max-width:1100px;margin:0 auto;padding:30px 16px 80px}
 
/* ── CARD ── */
.card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:26px;margin-bottom:22px}
.card-ttl{font-size:15px;font-weight:700;color:var(--navy);display:flex;align-items:center;gap:10px;margin-bottom:18px}
.card-ttl .ico{width:30px;height:30px;background:var(--navy-bg);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
 
/* ── BUSINESS TYPE ── */
.btype-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.bt{border:2px solid var(--g200);background:#fff;border-radius:var(--r);padding:14px 8px;text-align:center;cursor:pointer;transition:all .18s;font-family:'Inter',sans-serif}
.bt:hover{border-color:var(--navy);background:var(--navy-bg)}
.bt.active{border-color:var(--navy);background:var(--navy);color:#fff}
.bt .bi{font-size:22px;display:block;margin-bottom:5px}
.bt .bl{font-size:11px;font-weight:700;font-family:'Montserrat',sans-serif}
.bt .bs{font-size:10px;color:var(--g500);margin-top:2px}
.bt.active .bs{color:rgba(255,255,255,0.65)}
 
/* ── INPUTS ── */
.igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.fg{display:flex;flex-direction:column;gap:5px}
.fg label{font-size:12px;font-weight:700;color:var(--g700);display:flex;align-items:center;gap:5px}
.fg .hint{font-size:11px;color:var(--g400)}
.irow{display:flex;align-items:center;border:1.5px solid var(--g200);border-radius:8px;overflow:hidden;transition:border-color .18s;background:#fff}
.irow:focus-within{border-color:var(--navy)}
.ipfx,.isfx{padding:0 10px;background:var(--g50);color:var(--g500);font-size:13px;font-weight:600;height:40px;display:flex;align-items:center;flex-shrink:0}
.ipfx{border-right:1px solid var(--g200)}
.isfx{border-left:1px solid var(--g200)}
.fg input,.fg select{flex:1;border:none;outline:none;padding:0 10px;font-family:'Inter',sans-serif;font-size:14px;height:40px;background:transparent;color:var(--g900);width:100%;min-width:0}
 
/* ── TOGGLE ── */
.tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px}
.tgb{flex:1;padding:7px 8px;border:none;background:transparent;border-radius:6px;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;cursor:pointer;color:var(--g500);transition:all .15s;white-space:nowrap}
.tgb.active{background:var(--navy);color:#fff}
 
/* ── DIVIDER ── */
hr{border:none;border-top:1px solid var(--g200);margin:22px 0}
 
/* ── CALC BTN ── */
.cbtn{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;border:none;border-radius:var(--r);padding:14px 24px;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;cursor:pointer;width:100%;letter-spacing:0.2px;transition:transform .15s,box-shadow .15s;margin-top:10px}
.cbtn:hover{transform:translateY(-1px);box-shadow:0 6px 22px rgba(0,40,104,0.28)}
.cbtn:active{transform:none}
 
/* ── RESULTS ── */
.res-sec{display:none}.res-sec.on{display:block}
 
.hero-band{background:linear-gradient(135deg,var(--navy-dark),var(--navy));border-radius:var(--rl);padding:30px;color:#fff;margin-bottom:22px;display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;align-items:center}
.hm .lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:rgba(255,255,255,0.55);margin-bottom:4px}
.hm .val{font-family:'Montserrat',sans-serif;font-size:30px;font-weight:800}
.hm .sub2{font-size:11px;color:rgba(255,255,255,0.45);margin-top:2px}
.hm-sep{width:1px;background:rgba(255,255,255,0.12);min-height:60px}
 
/* ── METRIC CARDS ── */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:14px;margin-bottom:22px}
.mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:16px;position:relative;overflow:hidden}
.mc::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.mc.g::before{background:var(--green)}.mc.a::before{background:var(--amber)}.mc.r::before{background:var(--red)}.mc.n::before{background:var(--navy)}
.mc .ml{font-size:10px;color:var(--g400);font-weight:700;text-transform:uppercase;letter-spacing:.6px;margin-bottom:5px}
.mc .mv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:700;color:var(--g900)}
.mc .ms{font-size:11px;color:var(--g500);margin-top:4px}
 
/* ── VERDICT ── */
.vbadge{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;border-radius:20px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.4px}
.vg{background:var(--green-bg);color:var(--green)}.va{background:var(--amber-bg);color:#92400e}.vr{background:var(--red-bg);color:var(--red)}
 
/* ── TABS ── */
.tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:22px;gap:0;overflow-x:auto;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{padding:9px 16px;border:none;background:transparent;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .15s}
.tab-b.active{color:var(--navy);border-bottom-color:var(--navy)}
.tp{display:none}.tp.on{display:block}
 
/* ── ALERT ── */
.alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;display:flex;gap:8px;align-items:flex-start;line-height:1.5}
.alrt.warn{background:var(--amber-bg);color:#92400e;border:1px solid var(--amber)}
.alrt.dng{background:var(--red-bg);color:var(--red);border:1px solid var(--red)}
.alrt.info{background:var(--navy-bg);color:var(--navy);border:1px solid rgba(0,40,104,0.15)}
 
/* ── TOOLTIP ── */
.tip{display:inline-flex;align-items:center;justify-content:center;width:15px;height:15px;background:var(--g200);border-radius:50%;font-size:9px;font-weight:700;color:var(--g500);cursor:help;position:relative}
.tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;min-width:180px;max-width:240px;z-index:99;line-height:1.4;text-align:center;white-space:normal;pointer-events:none}
 
/* ── TABLE ── */
.stbl{width:100%;border-collapse:collapse;font-size:12px}
.stbl th{background:var(--navy-bg);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:9px 12px;text-align:left;border:1px solid var(--g200)}
.stbl td{padding:9px 12px;border:1px solid var(--g200);vertical-align:middle}
.stbl tr:nth-child(even) td{background:var(--g50)}
.stbl tr.hl td{background:rgba(0,40,104,0.05);font-weight:600}
 
/* ── NPV ── */
.npvc{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px}
.npvb{border-radius:var(--r);padding:22px;text-align:center}
.npvb.smp{background:var(--navy-bg);border:2px solid rgba(0,40,104,0.12)}
.npvb.dsc{background:var(--green-bg);border:2px solid rgba(0,135,90,0.2)}
.npvb .nl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--g500);margin-bottom:8px}
.npvb .nv{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;color:var(--navy)}
.npvb.dsc .nv{color:var(--green)}
.npvb .ns{font-size:11px;color:var(--g500);margin-top:6px}
 
/* ── CHART ── */
.chrt{position:relative;height:260px;margin-top:16px}
 
/* ── SIMULATOR ── */
.simgrid{display:grid;gap:10px}
.simrow{display:grid;grid-template-columns:1.8fr 1.2fr 1fr 1fr;gap:10px;align-items:center;background:var(--g50);padding:12px 14px;border-radius:var(--r);border:1px solid var(--g200)}
.simrow.hdr-row{background:var(--navy-bg);font-weight:700;font-family:'Montserrat',sans-serif;font-size:10px;color:var(--navy);text-transform:uppercase;letter-spacing:.5px}
.simlbl{font-size:12px;font-weight:600;color:var(--g700)}
.simch{font-size:11px;color:var(--g500)}
.simv{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy);font-size:13px}
.simi{font-size:11px;font-weight:700;padding:3px 8px;border-radius:20px;background:var(--green-bg);color:var(--green);text-align:center}
 
/* ── SEGMENTS ── */
.seginputs{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-bottom:18px}
.seg-ig{border:1.5px solid var(--g200);border-radius:var(--r);padding:16px}
.seg-ig.vip{border-color:#6366f1}.seg-ig.avg{border-color:var(--navy)}.seg-ig.risk{border-color:var(--amber)}
.seg-ig h4{font-size:12px;font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.seg-ig.vip h4{color:#6366f1}.seg-ig.avg h4{color:var(--navy)}.seg-ig.risk h4{color:var(--amber)}
.smi{display:flex;flex-direction:column;gap:3px;margin-bottom:9px}
.smi label{font-size:10px;font-weight:700;color:var(--g500);text-transform:uppercase;letter-spacing:.4px}
.smi input{border:1px solid var(--g200);border-radius:6px;padding:7px 10px;font-family:'Inter',sans-serif;font-size:13px;width:100%}
.smi input:focus{outline:none;border-color:var(--navy)}
.sdot{display:inline-block;width:9px;height:9px;border-radius:50%}
 
/* ── BENCH ── */
.bench-row{display:flex;align-items:center;justify-content:space-between;padding:10px 14px;border-radius:8px;border:1px solid var(--g200);margin-bottom:7px;gap:8px;flex-wrap:wrap}
.bench-lbl{font-size:13px;font-weight:600;color:var(--g700)}
.bench-rng{font-size:11px;color:var(--g500)}
 
/* ── ACTION BTNS ── */
.abtns{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
.abtn{flex:1;min-width:140px;padding:12px 18px;border-radius:var(--r);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all .15s;border:2px solid var(--navy);background:#fff;color:var(--navy);display:flex;align-items:center;justify-content:center;gap:7px;letter-spacing:.2px}
.abtn:hover{background:var(--navy);color:#fff}
.abtn.rd{border-color:var(--red);color:var(--red)}.abtn.rd:hover{background:var(--red);color:#fff}
 
/* ── CHURN HINT ── */
.chint{font-size:11px;color:var(--g500)}
.chint span{font-weight:600;color:var(--navy)}
 
@media(max-width:600px){
  .npvc{grid-template-columns:1fr}
  .simrow{grid-template-columns:1fr 1fr}
  .simrow.hdr-row span:nth-child(3),.simrow.hdr-row span:nth-child(4){display:none}
  .hero-band{grid-template-columns:1fr 1fr}
  .hm-sep{display:none}
}
/* ── 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}
}

/* ── Root tokens — mirror calculator brand ── */
.hiw-root {
  --navy:       #002868;
  --navy-dark:  #001a45;
  --navy-bg:    rgba(0,40,104,.05);
  --navy-bgm:   rgba(0,40,104,.10);
  --red:        #BF0A30;
  --red-bg:     #FEE2E2;
  --green:      #00875A;
  --green-bg:   #e8f5f0;
  --amber:      #D97706;
  --amber-bg:   #FEF3C7;
  --purple:     #6366f1;
  --purple-bg:  #ede9fe;
  --g50:        #f9fafb;
  --g100:       #f3f4f6;
  --g200:       #e5e7eb;
  --g300:       #d1d5db;
  --g400:       #9ca3af;
  --g500:       #6b7280;
  --g700:       #374151;
  --g900:       #111827;
  --white:      #ffffff;
  --r:          12px;
  --rl:         18px;
  --sh:         0 2px 12px rgba(0,40,104,.08);
  --shl:        0 6px 32px rgba(0,40,104,.14);
  font-family: Inter, sans-serif;
  color: var(--g900);
  background: var(--g50);
}

/* ── Section wrapper ── */
.hiw-section {
  padding: clamp(48px,7vw,96px) clamp(16px,4vw,32px);
  background: var(--white);
}
.hiw-inner {
  max-width: 1080px;
  margin-inline: auto;
}

/* ── Section header ── */
.hiw-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--green);
  background: var(--green-bg);
  border: 1px solid rgba(0,135,90,.18);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.hiw-title {
  font-family: Montserrat, sans-serif;
  font-size: clamp(26px,3.5vw,40px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.15;
  margin: 0 0 14px;
  letter-spacing: -.4px;
}
.hiw-lead {
  font-size: clamp(15px,1.8vw,17px);
  color: var(--g500);
  line-height: 1.75;
  max-width: 76ch;
  margin: 0 0 52px;
}
.hiw-lead strong {
  color: var(--navy);
  font-weight: 700;
}

/* ── Step progress line ── */
.hiw-steps-nav {
  display: flex;
  align-items: flex-start;
  gap: 0;
  margin-bottom: 52px;
  overflow-x: auto;
  scrollbar-width: none;
  padding-bottom: 4px;
}
.hiw-steps-nav::-webkit-scrollbar { display: none; }
.hiw-step-nav-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  min-width: 96px;
  position: relative;
  cursor: pointer;
  padding: 0 4px;
}
.hiw-step-nav-item + .hiw-step-nav-item::before {
  content: '';
  position: absolute;
  top: 18px;
  right: 50%;
  left: -50%;
  height: 2px;
  background: var(--g200);
  z-index: 0;
}
.hiw-step-nav-item.done + .hiw-step-nav-item::before { background: var(--green); }
.hiw-step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--g100);
  border: 2px solid var(--g200);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--g400);
  position: relative;
  z-index: 1;
  transition: all .2s;
  flex-shrink: 0;
}
.hiw-step-nav-item.active .hiw-step-num {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.hiw-step-nav-item.done .hiw-step-num {
  background: var(--green);
  border-color: var(--green);
  color: var(--white);
}
.hiw-step-label {
  font-size: 11px;
  font-weight: 700;
  color: var(--g400);
  text-align: center;
  margin-top: 7px;
  line-height: 1.35;
  max-width: 88px;
}
.hiw-step-nav-item.active .hiw-step-label { color: var(--navy); }
.hiw-step-nav-item.done .hiw-step-label { color: var(--green); }

/* ── Main content blocks ── */
.hiw-block {
  margin-bottom: 56px;
  scroll-margin-top: 80px;
}
.hiw-block-header {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 22px;
}
.hiw-block-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--navy-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}
.hiw-block-icon.green-bg { background: var(--green-bg); }
.hiw-block-icon.amber-bg { background: var(--amber-bg); }
.hiw-block-icon.red-bg   { background: var(--red-bg); }
.hiw-block-icon.purple-bg{ background: var(--purple-bg); }

.hiw-block-meta {}
.hiw-block-step-tag {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--g400);
  margin-bottom: 5px;
}
.hiw-block-h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(19px,2.3vw,25px);
  font-weight: 800;
  color: var(--navy);
  margin: 0;
  line-height: 1.2;
}
.hiw-block-desc {
  font-size: 15px;
  color: var(--g500);
  line-height: 1.8;
  max-width: 80ch;
  margin: 14px 0 0;
}
.hiw-block-desc strong { color: var(--g700); font-weight: 700; }

/* ── Divider ── */
.hiw-divider {
  border: none;
  border-top: 1px solid var(--g200);
  margin: 0 0 56px;
}

/* ── Business type grid ── */
.hiw-btype-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(190px,1fr));
  gap: 14px;
  margin-top: 24px;
}
.hiw-btype-card {
  background: var(--white);
  border: 1.5px solid var(--g200);
  border-radius: var(--rl);
  padding: 20px 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: border-color .18s, box-shadow .18s;
}
.hiw-btype-card:hover {
  border-color: var(--navy);
  box-shadow: var(--sh);
}
.hiw-btype-icon {
  font-size: 26px;
  line-height: 1;
}
.hiw-btype-name {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.3;
}
.hiw-btype-formula {
  font-size: 11px;
  color: var(--g500);
  line-height: 1.5;
  font-style: italic;
}
.hiw-btype-formula code {
  display: block;
  background: var(--navy-bg);
  border: 1px solid rgba(0,40,104,.10);
  border-radius: 7px;
  padding: 8px 10px;
  font-style: normal;
  font-size: 11px;
  color: var(--navy);
  font-family: 'Courier New', monospace;
  font-weight: 600;
  margin-top: 7px;
  line-height: 1.6;
}
.hiw-btype-note {
  font-size: 11px;
  color: var(--g400);
  line-height: 1.5;
  padding-top: 6px;
  border-top: 1px solid var(--g200);
}

/* ── Feature cards grid ── */
.hiw-feat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px,1fr));
  gap: 18px;
  margin-top: 24px;
}
.hiw-feat-card {
  background: var(--white);
  border: 1px solid var(--g200);
  border-radius: var(--rl);
  padding: 22px;
  position: relative;
  overflow: hidden;
}
.hiw-feat-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
}
.hiw-feat-card.navy::before  { background: var(--navy); }
.hiw-feat-card.green::before { background: var(--green); }
.hiw-feat-card.amber::before { background: var(--amber); }
.hiw-feat-card.red::before   { background: var(--red); }
.hiw-feat-card.purple::before{ background: var(--purple); }

.hiw-feat-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.hiw-feat-emoji { font-size: 20px; }
.hiw-feat-title {
  font-family: Montserrat, sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
}
.hiw-feat-body {
  font-size: 13.5px;
  color: var(--g500);
  line-height: 1.75;
}
.hiw-feat-body strong { color: var(--g700); font-weight: 700; }
.hiw-feat-body ul {
  padding-left: 18px;
  margin: 10px 0 0;
}
.hiw-feat-body li { margin-bottom: 5px; }
.hiw-feat-body .formula-pill {
  display: inline-block;
  background: var(--navy-bg);
  border: 1px solid rgba(0,40,104,.12);
  border-radius: 8px;
  padding: 9px 13px;
  font-family: 'Courier New', monospace;
  font-size: 12px;
  color: var(--navy);
  font-weight: 700;
  margin-top: 11px;
  width: 100%;
  box-sizing: border-box;
  line-height: 1.65;
}

/* ── Comparison table ── */
.hiw-table-wrap { overflow-x: auto; margin-top: 24px; }
.hiw-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 600px;
}
.hiw-table th {
  background: var(--navy-bg);
  color: var(--navy);
  font-family: Montserrat, sans-serif;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .05em;
  padding: 10px 14px;
  text-align: left;
  border: 1px solid var(--g200);
}
.hiw-table td {
  padding: 11px 14px;
  border: 1px solid var(--g200);
  color: var(--g700);
  vertical-align: top;
  line-height: 1.6;
}
.hiw-table tr:nth-child(even) td { background: var(--g50); }
.hiw-table tr.hiw-hl td {
  background: rgba(0,40,104,.04);
  font-weight: 700;
  color: var(--navy);
}
.hiw-badge {
  display: inline-flex;
  align-items: center;
  padding: 3px 9px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  white-space: nowrap;
}
.hiw-badge.green { background: var(--green-bg); color: var(--green); }
.hiw-badge.amber { background: var(--amber-bg); color: #92400e; }
.hiw-badge.red   { background: var(--red-bg);   color: var(--red); }
.hiw-badge.navy  { background: var(--navy-bg);  color: var(--navy); }
.hiw-badge.purple{ background: var(--purple-bg);color: var(--purple); }

/* ── Alert callout ── */
.hiw-callout {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  border-radius: var(--r);
  padding: 16px 18px;
  font-size: 14px;
  line-height: 1.7;
  margin-top: 20px;
}
.hiw-callout.info {
  background: var(--navy-bg);
  border: 1px solid rgba(0,40,104,.13);
  color: var(--navy);
}
.hiw-callout.green {
  background: var(--green-bg);
  border: 1px solid rgba(0,135,90,.18);
  color: #10643f;
}
.hiw-callout.amber {
  background: var(--amber-bg);
  border: 1px solid rgba(217,119,6,.22);
  color: #78350f;
}
.hiw-callout .hiw-callout-icon { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.hiw-callout strong { font-weight: 700; }

/* ── Steps list ── */
.hiw-steps-list {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.hiw-step-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--g200);
  border-radius: var(--r);
  padding: 18px 20px;
}
.hiw-step-badge {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 800;
  flex-shrink: 0;
}
.hiw-step-content {}
.hiw-step-title {
  font-family: Montserrat, sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
}
.hiw-step-text {
  font-size: 13.5px;
  color: var(--g500);
  line-height: 1.75;
}
.hiw-step-text strong { color: var(--g700); font-weight: 700; }

/* ── NPV comparison visual ── */
.hiw-npv-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 24px;
}
.hiw-npv-box {
  border-radius: var(--rl);
  padding: 24px;
  text-align: center;
}
.hiw-npv-box.simple {
  background: var(--navy-bg);
  border: 2px solid rgba(0,40,104,.12);
}
.hiw-npv-box.discounted {
  background: var(--green-bg);
  border: 2px solid rgba(0,135,90,.2);
}
.hiw-npv-label {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--g500);
  margin-bottom: 10px;
}
.hiw-npv-formula {
  font-family: 'Courier New', monospace;
  font-size: 13px;
  color: var(--navy);
  font-weight: 700;
  background: rgba(0,40,104,.07);
  border-radius: 8px;
  padding: 10px 14px;
  margin: 10px 0;
  line-height: 1.65;
}
.hiw-npv-box.discounted .hiw-npv-formula {
  color: var(--green);
  background: rgba(0,135,90,.08);
}
.hiw-npv-desc {
  font-size: 12px;
  color: var(--g500);
  line-height: 1.6;
  margin-top: 8px;
}

/* ── Segment visual ── */
.hiw-seg-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 14px;
  margin-top: 24px;
}
.hiw-seg-card {
  border-radius: var(--rl);
  padding: 20px;
  border: 2px solid;
}
.hiw-seg-card.vip    { border-color: #6366f1; background: #ede9fe; }
.hiw-seg-card.avg    { border-color: var(--navy); background: var(--navy-bg); }
.hiw-seg-card.risk   { border-color: var(--amber); background: var(--amber-bg); }
.hiw-seg-icon { font-size: 22px; margin-bottom: 9px; }
.hiw-seg-name {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 800;
  margin-bottom: 8px;
}
.hiw-seg-card.vip  .hiw-seg-name { color: #4338ca; }
.hiw-seg-card.avg  .hiw-seg-name { color: var(--navy); }
.hiw-seg-card.risk .hiw-seg-name { color: #92400e; }
.hiw-seg-desc { font-size: 12.5px; color: var(--g700); line-height: 1.65; }
.hiw-seg-example {
  margin-top: 10px;
  font-size: 11.5px;
  font-style: italic;
  color: var(--g500);
  padding-top: 9px;
  border-top: 1px solid rgba(0,0,0,.08);
}

/* ── Simulator rows preview ── */
.hiw-sim-preview {
  background: var(--g50);
  border: 1px solid var(--g200);
  border-radius: var(--rl);
  overflow: hidden;
  margin-top: 24px;
}
.hiw-sim-header {
  background: var(--navy-bg);
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 10px;
  padding: 10px 16px;
  font-size: 10px;
  font-weight: 800;
  font-family: Montserrat, sans-serif;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--navy);
}
.hiw-sim-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 10px;
  padding: 12px 16px;
  border-top: 1px solid var(--g200);
  align-items: center;
  background: var(--white);
}
.hiw-sim-row:nth-child(even) { background: var(--g50); }
.hiw-sim-lever { font-size: 13px; font-weight: 600; color: var(--g700); }
.hiw-sim-change { font-size: 12px; color: var(--g500); }
.hiw-sim-val { font-family: Montserrat, sans-serif; font-weight: 700; color: var(--navy); font-size: 13px; }
.hiw-sim-impact {
  font-size: 11px;
  font-weight: 800;
  padding: 3px 9px;
  border-radius: 999px;
  background: var(--green-bg);
  color: var(--green);
  text-align: center;
  display: inline-block;
}

/* ── Benchmark table ── */
.hiw-bench-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 22px;
}
.hiw-bench-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--g200);
  border-radius: var(--r);
  padding: 12px 16px;
}
.hiw-bench-info { display: flex; flex-direction: column; gap: 2px; }
.hiw-bench-name { font-size: 14px; font-weight: 700; color: var(--g700); }
.hiw-bench-meta { font-size: 11.5px; color: var(--g400); }
.hiw-bench-tags { display: flex; gap: 7px; flex-wrap: wrap; }

/* ── Output tabs preview ── */
.hiw-tabs-preview {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 20px;
}
.hiw-tab-chip {
  display: flex;
  align-items: center;
  gap: 7px;
  background: var(--white);
  border: 1.5px solid var(--g200);
  border-radius: 999px;
  padding: 8px 15px;
  font-size: 13px;
  font-weight: 700;
  color: var(--g700);
}
.hiw-tab-chip.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* ── Export block ── */
.hiw-export-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 24px;
}
.hiw-export-card {
  background: var(--white);
  border: 1.5px solid var(--g200);
  border-radius: var(--rl);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.hiw-export-head {
  display: flex;
  align-items: center;
  gap: 10px;
}
.hiw-export-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.hiw-export-icon.pdf { background: var(--navy-bg); }
.hiw-export-icon.wa  { background: #e7fce7; }
.hiw-export-title {
  font-family: Montserrat, sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
}
.hiw-export-body {
  font-size: 13.5px;
  color: var(--g500);
  line-height: 1.75;
}
.hiw-export-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.hiw-export-list li {
  font-size: 12.5px;
  color: var(--g700);
  display: flex;
  align-items: flex-start;
  gap: 7px;
}
.hiw-export-list li::before {
  content: '✓';
  color: var(--green);
  font-weight: 800;
  font-size: 11px;
  margin-top: 2px;
  flex-shrink: 0;
}

/* ── Full FAQ accordion ── */
.hiw-faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 22px;
}
.hiw-faq-item {
  border: 1px solid var(--g200);
  border-radius: var(--r);
  overflow: hidden;
  background: var(--white);
}
.hiw-faq-q {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  font-family: Montserrat, sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  text-align: left;
  transition: background .15s;
}
.hiw-faq-q:hover { background: var(--navy-bg); }
.hiw-faq-q[aria-expanded="true"] { background: var(--navy-bg); }
.hiw-faq-arrow {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform .2s;
  color: var(--navy);
}
.hiw-faq-q[aria-expanded="true"] .hiw-faq-arrow { transform: rotate(180deg); }
.hiw-faq-a {
  display: none;
  padding: 0 20px 16px;
  font-size: 13.5px;
  color: var(--g500);
  line-height: 1.8;
  border-top: 1px solid var(--g200);
}
.hiw-faq-a strong { color: var(--g700); font-weight: 700; }
.hiw-faq-item.open .hiw-faq-a { display: block; }

/* ── Responsive ── */
@media (max-width: 720px) {
  .hiw-btype-grid { grid-template-columns: repeat(2,1fr); }
  .hiw-npv-compare { grid-template-columns: 1fr; }
  .hiw-seg-grid { grid-template-columns: 1fr; }
  .hiw-export-grid { grid-template-columns: 1fr; }
  .hiw-sim-header, .hiw-sim-row { grid-template-columns: 1.5fr 1fr; }
  .hiw-sim-header span:nth-child(3),
  .hiw-sim-header span:nth-child(4),
  .hiw-sim-row .hiw-sim-change,
  .hiw-sim-row .hiw-sim-val { display: none; }
  .hiw-feat-grid { grid-template-columns: 1fr; }
  .hiw-steps-nav { gap: 0; }
}
@media (max-width: 480px) {
  .hiw-btype-grid { grid-template-columns: 1fr; }
  .hiw-step-item { flex-direction: column; gap: 10px; }
}

  /* 5 Real US Examples of CLV - Full Width Card Stack */
  #real-us-clv-examples {
    --ex-navy: #002868;
    --ex-red: #BF0A30;
    --ex-green: #00875A;
    --ex-amber: #D97706;
    --ex-text: #122033;
    --ex-muted: #5f6b7a;
    --ex-border: #d7dce3;
    --ex-bg: #ffffff;
    --ex-bg-soft: #f7f9fc;
    --ex-navy-bg: rgba(0, 40, 104, 0.08);
    --ex-red-bg: rgba(191, 10, 48, 0.08);
    --ex-green-bg: rgba(0, 135, 90, 0.08);
    --ex-shadow: 0 12px 30px rgba(11, 27, 58, 0.06);
    --ex-radius: 20px;
    --ex-radius-sm: 14px;
    --ex-max: 1000px; /* Reduced max width for better readability */
    color: var(--ex-text);
    padding: 60px 0; /* Adjusted padding for standard blog containers */
  }

  #real-us-clv-examples * {
    box-sizing: border-box;
  }

  #real-us-clv-examples .ex-wrap {
    max-width: var(--ex-max);
    margin: 0 auto;
  }

  #real-us-clv-examples .ex-head {
    margin-bottom: 32px;
    text-align: center;
  }

  #real-us-clv-examples .ex-kicker {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px;
    border-radius: 999px;
    background: var(--ex-navy-bg);
    color: var(--ex-navy);
    font: 700 12px/1 "Inter", system-ui, sans-serif;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 16px;
  }

  #real-us-clv-examples h2 {
    margin: 0 auto 16px;
    font: 800 clamp(28px, 4vw, 40px)/1.2 "Montserrat", "Inter", system-ui, sans-serif;
    color: var(--ex-navy);
    max-width: 25ch;
  }

  #real-us-clv-examples .ex-intro {
    margin: 0 auto;
    max-width: 78ch;
    color: var(--ex-muted);
    font: 500 17px/1.7 "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-disclaimer {
    margin-top: 16px;
    color: var(--ex-muted);
    font: 500 14px/1.65 "Inter", system-ui, sans-serif;
  }

  /* Changed from a 2-column grid to a single flex column */
  #real-us-clv-examples .ex-grid {
    display: flex;
    flex-direction: column;
    gap: 32px;
    margin-top: 36px;
  }

  #real-us-clv-examples .ex-card {
    border: 1px solid var(--ex-border);
    border-radius: var(--ex-radius);
    background: var(--ex-bg);
    box-shadow: var(--ex-shadow);
    overflow: hidden;
    display: flex;
    flex-direction: column;
  }

  #real-us-clv-examples .ex-card-header {
    padding: 28px 28px 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    border-bottom: 1px solid var(--ex-border);
    background: var(--ex-bg-soft);
  }

  #real-us-clv-examples .ex-topline {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
  }

  #real-us-clv-examples .ex-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    min-height: 32px;
    padding: 8px 12px;
    border-radius: 999px;
    font: 700 12px/1 "Inter", system-ui, sans-serif;
    letter-spacing: 0.02em;
  }

  #real-us-clv-examples .ex-pill.navy { background: var(--ex-navy-bg); color: var(--ex-navy); }
  #real-us-clv-examples .ex-pill.green { background: var(--ex-green-bg); color: var(--ex-green); }
  #real-us-clv-examples .ex-pill.red { background: var(--ex-red-bg); color: var(--ex-red); }
  #real-us-clv-examples .ex-pill.amber { background: rgba(217, 119, 6, 0.12); color: var(--ex-amber); }

  #real-us-clv-examples .ex-card h3 {
    margin: 0;
    font: 800 clamp(20px, 2vw, 24px)/1.2 "Montserrat", "Inter", system-ui, sans-serif;
    color: var(--ex-text);
  }

  #real-us-clv-examples .ex-card p.ex-sub {
    margin: 0;
    color: var(--ex-muted);
    font: 500 15px/1.65 "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-body {
    padding: 28px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
  }

  #real-us-clv-examples .ex-body-inner {
    display: grid;
    gap: 24px;
    flex-grow: 1;
  }

  #real-us-clv-examples .ex-metrics {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 12px;
  }

  #real-us-clv-examples .ex-metric {
    border: 1px solid var(--ex-border);
    border-radius: var(--ex-radius-sm);
    background: #fff;
    padding: 16px 14px;
    text-align: center;
  }

  #real-us-clv-examples .ex-metric-label {
    margin: 0 0 8px;
    color: var(--ex-muted);
    font: 700 11px/1.3 "Inter", system-ui, sans-serif;
    text-transform: uppercase;
    letter-spacing: 0.06em;
  }

  #real-us-clv-examples .ex-metric-value {
    margin: 0;
    color: var(--ex-text);
    font: 800 20px/1.1 "Montserrat", "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    flex-grow: 1;
  }

  #real-us-clv-examples .ex-panel {
    border: 1px solid var(--ex-border);
    border-radius: var(--ex-radius-sm);
    background: var(--ex-bg-soft);
    padding: 22px;
    display: flex;
    flex-direction: column;
  }

  #real-us-clv-examples .ex-panel h4 {
    margin: 0 0 16px;
    color: var(--ex-navy);
    font: 800 17px/1.2 "Montserrat", "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-list,
  #real-us-clv-examples .ex-steps {
    margin: 0;
    padding-left: 18px;
    color: var(--ex-text);
  }

  #real-us-clv-examples .ex-list li,
  #real-us-clv-examples .ex-steps li {
    margin: 0 0 12px;
    font: 500 14px/1.6 "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-formula {
    border-radius: 12px;
    padding: 14px 16px;
    background: var(--ex-navy-bg);
    color: var(--ex-navy);
    font: 800 14px/1.5 "Inter", system-ui, sans-serif;
    overflow-x: auto;
    margin-bottom: 20px;
  }

  #real-us-clv-examples .ex-formula code {
    font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
    white-space: nowrap;
  }

  #real-us-clv-examples .ex-note {
    border-radius: 12px;
    padding: 14px 16px;
    font: 600 14px/1.6 "Inter", system-ui, sans-serif;
    margin-top: auto;
  }

  #real-us-clv-examples .ex-note.green { background: var(--ex-green-bg); color: var(--ex-green); }
  #real-us-clv-examples .ex-note.red { background: var(--ex-red-bg); color: var(--ex-red); }
  #real-us-clv-examples .ex-note.amber { background: rgba(217, 119, 6, 0.12); color: var(--ex-amber); }
  #real-us-clv-examples .ex-note.navy { background: var(--ex-navy-bg); color: var(--ex-navy); }

  #real-us-clv-examples .ex-summary-table-wrap {
    margin-top: 48px;
    border: 1px solid var(--ex-border);
    border-radius: var(--ex-radius);
    overflow: hidden;
    background: #fff;
    box-shadow: var(--ex-shadow);
  }

  #real-us-clv-examples .ex-summary-bar {
    padding: 24px 28px;
    background: linear-gradient(90deg, var(--ex-navy), #0d4aa6);
    color: #fff;
  }

  #real-us-clv-examples .ex-summary-bar h3 {
    margin: 0 0 6px;
    font: 800 24px/1.15 "Montserrat", "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples .ex-summary-bar p {
    margin: 0;
    font: 500 15px/1.6 "Inter", system-ui, sans-serif;
    opacity: 0.92;
  }

  #real-us-clv-examples .ex-table-scroll {
    overflow-x: auto;
  }

  #real-us-clv-examples table {
    width: 100%;
    border-collapse: collapse;
    min-width: 800px; /* Reduced min-width so it fits better on screens */
  }

  #real-us-clv-examples th,
  #real-us-clv-examples td {
    padding: 16px 20px;
    text-align: left;
    border-bottom: 1px solid var(--ex-border);
    vertical-align: middle;
    font: 500 14px/1.55 "Inter", system-ui, sans-serif;
  }

  #real-us-clv-examples th {
    background: #f8fafc;
    color: var(--ex-navy);
    font-weight: 800;
    white-space: nowrap;
  }

  #real-us-clv-examples td strong {
    color: var(--ex-text);
    font-weight: 800;
  }

  #real-us-clv-examples .ex-ratio-good { color: var(--ex-green); font-weight: 800; }
  #real-us-clv-examples .ex-ratio-mid { color: var(--ex-amber); font-weight: 800; }
  #real-us-clv-examples .ex-ratio-high { color: var(--ex-navy); font-weight: 800; }

  #real-us-clv-examples .ex-bottom-note {
    margin-top: 20px;
    color: var(--ex-muted);
    font: 500 14px/1.7 "Inter", system-ui, sans-serif;
    text-align: center;
  }

  /* Responsive fixes for narrower screens */
  @media (max-width: 840px) {
    #real-us-clv-examples .ex-two-col {
      grid-template-columns: 1fr;
    }
    #real-us-clv-examples .ex-metrics {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
  }

  @media (max-width: 500px) {
    #real-us-clv-examples .ex-card-header,
    #real-us-clv-examples .ex-body {
      padding: 20px 16px;
    }
    #real-us-clv-examples .ex-metrics {
      grid-template-columns: 1fr;
    }
  }

  /* ============================================================
     Related Calculators Section — CLV Calculator
     Brand: Navy #002868 · Red #BF0A30 · Green #00875A · Amber #D97706
     ============================================================ */
  #clv-related-calculators {
    --rc-navy:     var(--navy, #002868);
    --rc-red:      var(--red, #BF0A30);
    --rc-green:    var(--green, #00875A);
    --rc-amber:    var(--amber, #D97706);
    --rc-text:     var(--text, #122033);
    --rc-muted:    var(--text-muted, #5f6b7a);
    --rc-border:   var(--border, #d7dce3);
    --rc-bg:       var(--surface, #ffffff);
    --rc-bg-soft:  var(--surface-soft, #f7f9fc);
    --rc-navy-bg:  rgba(0, 40, 104, 0.07);
    --rc-green-bg: rgba(0, 135, 90, 0.07);
    --rc-red-bg:   rgba(191, 10, 48, 0.07);
    --rc-amber-bg: rgba(217, 119, 6, 0.09);
    --rc-shadow:   0 8px 28px rgba(11, 27, 58, 0.07);
    --rc-shadow-hover: 0 18px 44px rgba(11, 27, 58, 0.13);
    --rc-radius:   18px;
    --rc-max:      1240px;
    color: var(--rc-text);
    padding: 72px 20px;
    background: var(--rc-bg);
  }

  #clv-related-calculators * { box-sizing: border-box; }

  /* ── Wrapper ── */
  #clv-related-calculators .rc-wrap {
    max-width: var(--rc-max);
    margin: 0 auto;
  }

  /* ── Header row ── */
  #clv-related-calculators .rc-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    margin-bottom: 36px;
  }

  #clv-related-calculators .rc-header-left {}

  #clv-related-calculators .rc-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 14px;
    border-radius: 999px;
    background: var(--rc-navy-bg);
    color: var(--rc-navy);
    font: 700 12px/1 "Inter", system-ui, sans-serif;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 12px;
  }

  #clv-related-calculators h2 {
    margin: 0 0 8px;
    font: 800 clamp(26px, 3.5vw, 40px)/1.1 "Montserrat", "Inter", system-ui, sans-serif;
    color: var(--rc-navy);
  }

  #clv-related-calculators .rc-intro {
    margin: 0;
    color: var(--rc-muted);
    font: 500 16px/1.65 "Inter", system-ui, sans-serif;
    max-width: 56ch;
  }

  #clv-related-calculators .rc-view-all {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 22px;
    border-radius: 999px;
    border: 2px solid var(--rc-navy);
    background: transparent;
    color: var(--rc-navy);
    font: 700 14px/1 "Inter", system-ui, sans-serif;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.18s ease, color 0.18s ease;
    flex-shrink: 0;
  }

  #clv-related-calculators .rc-view-all:hover {
    background: var(--rc-navy);
    color: #fff;
  }

  /* ── Category filter bar ── */
  #clv-related-calculators .rc-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
  }

  #clv-related-calculators .rc-filter-btn {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--rc-border);
    background: var(--rc-bg);
    color: var(--rc-muted);
    font: 600 13px/1 "Inter", system-ui, sans-serif;
    cursor: pointer;
    transition: all 0.18s ease;
    white-space: nowrap;
  }

  #clv-related-calculators .rc-filter-btn:hover {
    border-color: var(--rc-navy);
    color: var(--rc-navy);
  }

  #clv-related-calculators .rc-filter-btn.active {
    background: var(--rc-navy);
    border-color: var(--rc-navy);
    color: #fff;
  }

  /* ── Grid ── */
  #clv-related-calculators .rc-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
  }

  /* ── Card ── */
  #clv-related-calculators .rc-card {
    display: flex;
    flex-direction: column;
    border: 1px solid var(--rc-border);
    border-radius: var(--rc-radius);
    background: var(--rc-bg);
    box-shadow: var(--rc-shadow);
    text-decoration: none;
    color: inherit;
    overflow: hidden;
    transition: transform 0.22s cubic-bezier(0.16, 1, 0.3, 1),
                box-shadow 0.22s cubic-bezier(0.16, 1, 0.3, 1),
                border-color 0.18s ease;
    position: relative;
  }

  #clv-related-calculators .rc-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--rc-shadow-hover);
    border-color: rgba(0, 40, 104, 0.2);
  }

  /* Accent top bar */
  #clv-related-calculators .rc-card::before {
    content: '';
    display: block;
    height: 3px;
    width: 100%;
    background: var(--rc-navy);
    transition: height 0.2s ease;
  }

  #clv-related-calculators .rc-card[data-color="green"]::before { background: var(--rc-green); }
  #clv-related-calculators .rc-card[data-color="red"]::before   { background: var(--rc-red);   }
  #clv-related-calculators .rc-card[data-color="amber"]::before { background: var(--rc-amber); }
  #clv-related-calculators .rc-card[data-color="navy"]::before  { background: var(--rc-navy);  }

  #clv-related-calculators .rc-card:hover::before { height: 5px; }

  /* Featured card gets full-width span */
  #clv-related-calculators .rc-card.rc-featured {
    grid-column: span 2;
    flex-direction: row;
    align-items: stretch;
  }

  #clv-related-calculators .rc-card.rc-featured::before {
    display: none;
  }

  #clv-related-calculators .rc-card.rc-featured .rc-card-accent-bar {
    width: 4px;
    flex-shrink: 0;
    background: var(--rc-green);
  }

  #clv-related-calculators .rc-card-body {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
  }

  /* ── Card elements ── */
  #clv-related-calculators .rc-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
  }

  #clv-related-calculators .rc-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 10px;
    border-radius: 999px;
    font: 700 11px/1 "Inter", system-ui, sans-serif;
    letter-spacing: 0.04em;
    white-space: nowrap;
  }

  #clv-related-calculators .rc-tag.navy  { background: var(--rc-navy-bg);  color: var(--rc-navy); }
  #clv-related-calculators .rc-tag.green { background: var(--rc-green-bg); color: var(--rc-green); }
  #clv-related-calculators .rc-tag.red   { background: var(--rc-red-bg);   color: var(--rc-red); }
  #clv-related-calculators .rc-tag.amber { background: var(--rc-amber-bg); color: var(--rc-amber); }

  #clv-related-calculators .rc-featured-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 10px;
    border-radius: 999px;
    background: var(--rc-green-bg);
    color: var(--rc-green);
    font: 700 11px/1 "Inter", system-ui, sans-serif;
  }

  #clv-related-calculators .rc-card-icon {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #clv-related-calculators .rc-card-icon.navy  { background: var(--rc-navy-bg);  color: var(--rc-navy); }
  #clv-related-calculators .rc-card-icon.green { background: var(--rc-green-bg); color: var(--rc-green); }
  #clv-related-calculators .rc-card-icon.red   { background: var(--rc-red-bg);   color: var(--rc-red); }
  #clv-related-calculators .rc-card-icon.amber { background: var(--rc-amber-bg); color: var(--rc-amber); }

  #clv-related-calculators .rc-card h3 {
    margin: 0;
    font: 800 16px/1.25 "Montserrat", "Inter", system-ui, sans-serif;
    color: var(--rc-text);
  }

  #clv-related-calculators .rc-card.rc-featured h3 {
    font-size: clamp(18px, 2vw, 22px);
  }

  #clv-related-calculators .rc-card p {
    margin: 0;
    color: var(--rc-muted);
    font: 500 13px/1.65 "Inter", system-ui, sans-serif;
    max-width: 40ch;
    flex: 1;
  }

  #clv-related-calculators .rc-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    margin-top: auto;
    padding-top: 12px;
    border-top: 1px solid var(--rc-border);
  }

  #clv-related-calculators .rc-card-meta {
    font: 600 12px/1 "Inter", system-ui, sans-serif;
    color: var(--rc-muted);
  }

  #clv-related-calculators .rc-card-arrow {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--rc-bg-soft);
    border: 1px solid var(--rc-border);
    display: grid;
    place-items: center;
    color: var(--rc-navy);
    transition: background 0.18s ease, transform 0.18s ease;
    flex-shrink: 0;
  }

  #clv-related-calculators .rc-card:hover .rc-card-arrow {
    background: var(--rc-navy);
    color: #fff;
    transform: translateX(2px);
  }

  /* ── Hidden cards (for filter) ── */
  #clv-related-calculators .rc-card[data-hidden="true"] {
    display: none;
  }

  /* ── Bottom CTA banner ── */
  #clv-related-calculators .rc-cta-banner {
    margin-top: 36px;
    background: var(--rc-bg-soft);
    border: 1px solid var(--rc-border);
    border-radius: var(--rc-radius);
    padding: 28px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
  }

  #clv-related-calculators .rc-cta-banner-text h3 {
    margin: 0 0 6px;
    font: 800 20px/1.2 "Montserrat", "Inter", system-ui, sans-serif;
    color: var(--rc-navy);
  }

  #clv-related-calculators .rc-cta-banner-text p {
    margin: 0;
    color: var(--rc-muted);
    font: 500 15px/1.6 "Inter", system-ui, sans-serif;
    max-width: 60ch;
  }

  #clv-related-calculators .rc-cta-banner a {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 24px;
    border-radius: 999px;
    background: var(--rc-navy);
    color: #fff;
    font: 700 14px/1 "Inter", system-ui, sans-serif;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.18s ease, transform 0.18s ease;
    flex-shrink: 0;
  }

  #clv-related-calculators .rc-cta-banner a:hover {
    background: #0d4aa6;
    transform: translateY(-1px);
  }

  /* ── Responsive ── */
  @media (max-width: 1100px) {
    #clv-related-calculators .rc-grid {
      grid-template-columns: repeat(3, minmax(0, 1fr));
    }
    #clv-related-calculators .rc-card.rc-featured {
      grid-column: span 3;
    }
  }

  @media (max-width: 780px) {
    #clv-related-calculators .rc-grid {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
    #clv-related-calculators .rc-card.rc-featured {
      grid-column: span 2;
      flex-direction: column;
    }
    #clv-related-calculators .rc-card.rc-featured .rc-card-accent-bar {
      width: 100%;
      height: 3px;
    }
  }

  @media (max-width: 520px) {
    #clv-related-calculators { padding: 48px 16px; }
    #clv-related-calculators .rc-grid {
      grid-template-columns: 1fr;
    }
    #clv-related-calculators .rc-card.rc-featured {
      grid-column: span 1;
    }
    #clv-related-calculators .rc-header {
      flex-direction: column;
      align-items: flex-start;
    }
  }

  /* ============================================================
     LEGAL DISCLAIMER SECTION
     Brand: Navy #002868 · Red #BF0A30 · Green #00875A · Amber #D97706
     ============================================================ */
  #clv-legal-disclaimer {
    --ld-navy:    var(--navy, #002868);
    --ld-red:     var(--red, #BF0A30);
    --ld-green:   var(--green, #00875A);
    --ld-amber:   var(--amber, #D97706);
    --ld-text:    var(--text, #122033);
    --ld-muted:   var(--text-muted, #5f6b7a);
    --ld-border:  var(--border, #d7dce3);
    --ld-bg:      var(--surface, #ffffff);
    --ld-bg-soft: var(--surface-soft, #f7f9fc);
    --ld-navy-bg: rgba(0,40,104,0.06);
    --ld-red-bg:  rgba(191,10,48,0.06);
    --ld-green-bg:rgba(0,135,90,0.06);
    --ld-amber-bg:rgba(217,119,6,0.08);
    --ld-max:     1240px;
    --ld-radius:  18px;
    color: var(--ld-text);
    padding: 56px 20px;
    background: #f0f3f8;
    border-top: 1px solid var(--ld-border);
  }

  #clv-legal-disclaimer * { box-sizing: border-box; }

  #clv-legal-disclaimer .ld-wrap {
    max-width: var(--ld-max);
    margin: 0 auto;
  }

  /* ── Top grid: Disclaimer box + Authority Links ── */
  #clv-legal-disclaimer .ld-top {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 24px;
    margin-bottom: 24px;
  }

  /* ── Main disclaimer card ── */
  #clv-legal-disclaimer .ld-main-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: var(--ld-radius);
    overflow: hidden;
  }

  #clv-legal-disclaimer .ld-main-header {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 20px;
    background: var(--ld-red-bg);
    border-bottom: 1px solid rgba(191,10,48,0.12);
  }

  #clv-legal-disclaimer .ld-main-header svg {
    color: var(--ld-red);
    flex-shrink: 0;
  }

  #clv-legal-disclaimer .ld-main-header-text {
    font: 800 14px/1.2 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--ld-red);
    letter-spacing: 0.02em;
  }

  #clv-legal-disclaimer .ld-main-header-text span {
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: var(--ld-muted);
    letter-spacing: 0;
    font-weight: 600;
  }

  #clv-legal-disclaimer .ld-main-body {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 14px;
  }

  #clv-legal-disclaimer .ld-section-title {
    font: 800 13px/1 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--ld-navy);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 6px;
  }

  #clv-legal-disclaimer .ld-para {
    margin: 0;
    color: var(--ld-muted);
    font: 500 13.5px/1.72 "Inter",system-ui,sans-serif;
    max-width: 80ch;
  }

  #clv-legal-disclaimer .ld-para strong {
    color: var(--ld-text);
    font-weight: 700;
  }

  #clv-legal-disclaimer .ld-divider {
    height: 1px;
    background: var(--ld-border);
    border: none;
    margin: 0;
  }

  /* ── Disclaimer block items ── */
  #clv-legal-disclaimer .ld-blocks {
    display: flex;
    flex-direction: column;
    gap: 14px;
  }

  #clv-legal-disclaimer .ld-block {
    display: grid;
    grid-template-columns: 24px 1fr;
    gap: 10px;
    align-items: start;
  }

  #clv-legal-disclaimer .ld-block-icon {
    width: 24px;
    height: 24px;
    border-radius: 6px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
    margin-top: 1px;
  }

  #clv-legal-disclaimer .ld-block-icon.red   { background: var(--ld-red-bg);   color: var(--ld-red); }
  #clv-legal-disclaimer .ld-block-icon.amber { background: var(--ld-amber-bg); color: var(--ld-amber); }
  #clv-legal-disclaimer .ld-block-icon.navy  { background: var(--ld-navy-bg);  color: var(--ld-navy); }
  #clv-legal-disclaimer .ld-block-icon.green { background: var(--ld-green-bg); color: var(--ld-green); }

  #clv-legal-disclaimer .ld-block-content p {
    margin: 0;
    color: var(--ld-muted);
    font: 500 13px/1.7 "Inter",system-ui,sans-serif;
    max-width: 72ch;
  }

  #clv-legal-disclaimer .ld-block-content p strong {
    color: var(--ld-text);
    font-weight: 700;
  }

  /* ── Government Authority Links card ── */
  #clv-legal-disclaimer .ld-gov-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: var(--ld-radius);
    overflow: hidden;
    align-self: start;
  }

  #clv-legal-disclaimer .ld-gov-header {
    padding: 15px 18px;
    background: var(--ld-navy-bg);
    border-bottom: 1px solid rgba(0,40,104,0.12);
    display: flex;
    align-items: center;
    gap: 10px;
  }

  #clv-legal-disclaimer .ld-gov-header svg {
    color: var(--ld-navy);
    flex-shrink: 0;
  }

  #clv-legal-disclaimer .ld-gov-header-text {
    font: 800 13px/1.2 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--ld-navy);
  }

  #clv-legal-disclaimer .ld-gov-header-text p {
    margin: 3px 0 0;
    font: 500 11px/1.3 "Inter",system-ui,sans-serif;
    color: var(--ld-muted);
    max-width: none;
  }

  #clv-legal-disclaimer .ld-gov-list {
    list-style: none;
    margin: 0;
    padding: 8px 0;
  }

  #clv-legal-disclaimer .ld-gov-list li {
    margin: 0;
  }

  #clv-legal-disclaimer .ld-gov-link {
    display: grid;
    grid-template-columns: 28px 1fr auto;
    gap: 10px;
    align-items: center;
    padding: 10px 18px;
    text-decoration: none;
    color: var(--ld-text);
    transition: background 0.15s ease;
    border-bottom: 1px solid rgba(0,0,0,0.04);
  }

  #clv-legal-disclaimer .ld-gov-link:last-child {
    border-bottom: none;
  }

  #clv-legal-disclaimer .ld-gov-link:hover {
    background: var(--ld-bg-soft);
  }

  #clv-legal-disclaimer .ld-gov-flag {
    width: 28px;
    height: 20px;
    border-radius: 3px;
    background: #b22234;
    display: grid;
    place-items: center;
    overflow: hidden;
    flex-shrink: 0;
  }

  /* Simple US flag mini SVG */
  #clv-legal-disclaimer .ld-gov-flag svg {
    width: 28px;
    height: 20px;
  }

  #clv-legal-disclaimer .ld-gov-link-info {}

  #clv-legal-disclaimer .ld-gov-link-name {
    display: block;
    font: 700 13px/1.3 "Inter",system-ui,sans-serif;
    color: var(--ld-navy);
  }

  #clv-legal-disclaimer .ld-gov-link-desc {
    display: block;
    font: 500 11px/1.4 "Inter",system-ui,sans-serif;
    color: var(--ld-muted);
    margin-top: 2px;
  }

  #clv-legal-disclaimer .ld-gov-link-arrow {
    color: var(--ld-muted);
    flex-shrink: 0;
    transition: color 0.15s ease, transform 0.15s ease;
  }

  #clv-legal-disclaimer .ld-gov-link:hover .ld-gov-link-arrow {
    color: var(--ld-navy);
    transform: translateX(2px);
  }

  #clv-legal-disclaimer .ld-gov-footer-note {
    padding: 10px 18px;
    background: var(--ld-bg-soft);
    border-top: 1px solid var(--ld-border);
    font: 500 11px/1.5 "Inter",system-ui,sans-serif;
    color: var(--ld-muted);
  }

  /* ── Bottom row: Date strip + Jurisdiction + Acceptance ── */
  #clv-legal-disclaimer .ld-bottom {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }

  #clv-legal-disclaimer .ld-info-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: 14px;
    padding: 16px 18px;
  }

  #clv-legal-disclaimer .ld-info-label {
    font: 700 11px/1 "Inter",system-ui,sans-serif;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: var(--ld-muted);
    margin-bottom: 8px;
  }

  #clv-legal-disclaimer .ld-info-value {
    font: 700 14px/1.4 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--ld-navy);
    margin-bottom: 4px;
  }

  #clv-legal-disclaimer .ld-info-sub {
    font: 500 12px/1.55 "Inter",system-ui,sans-serif;
    color: var(--ld-muted);
  }

  /* ── Responsive ── */
  @media (max-width: 1000px) {
    #clv-legal-disclaimer .ld-top {
      grid-template-columns: 1fr;
    }
    #clv-legal-disclaimer .ld-bottom {
      grid-template-columns: 1fr 1fr;
    }
  }

  @media (max-width: 620px) {
    #clv-legal-disclaimer { padding: 40px 16px; }
    #clv-legal-disclaimer .ld-bottom {
      grid-template-columns: 1fr;
    }
  }

  /* ============================================================
     TRANSPARENCY & INDEPENDENCE SECTION — UPDATED
     ============================================================ */
  .arc-transparency-section {
    background: linear-gradient(135deg, #001d4e 0%, #002868 60%, #00357a 100%);
    padding: 56px 20px;
    color: #ffffff;
  }

  .arc-transparency-section * { box-sizing: border-box; }

  .arc-transparency-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 40px;
    align-items: start;
  }

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

  .arc-trans-logo {
    width: 80px;
    height: 80px;
    border-radius: 18px;
    background: rgba(255,255,255,0.10);
    border: 1.5px solid rgba(255,255,255,0.18);
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(6px);
  }

  .arc-trans-initials {
    font: 900 17px/1.1 "Montserrat","Inter",system-ui,sans-serif;
    color: #ffffff;
    text-align: center;
    letter-spacing: -0.01em;
  }

  /* ── Content ── */
  .arc-trans-content {
    display: flex;
    flex-direction: column;
    gap: 16px;
  }

  /* Top row: title + gov stamp */
  .arc-trans-top-row {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
  }

  .arc-trans-title {
    margin: 0;
    font: 800 clamp(22px, 2.8vw, 30px)/1.15 "Montserrat","Inter",system-ui,sans-serif;
    color: #ffffff;
  }

  .arc-trans-title span {
    display: block;
    font: 600 14px/1.3 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.65);
    font-weight: 500;
    margin-top: 5px;
    letter-spacing: 0;
  }

  /* Gov stamp pill */
  .arc-trans-gov-stamp {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px 8px 8px;
    border-radius: 999px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    flex-shrink: 0;
  }

  .arc-trans-gov-flag {
    width: 32px;
    height: 22px;
    border-radius: 4px;
    overflow: hidden;
    flex-shrink: 0;
  }

  .arc-trans-gov-stamp-text {
    font: 700 12px/1.3 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.9);
  }

  .arc-trans-gov-stamp-text span {
    display: block;
    font-weight: 500;
    font-size: 11px;
    color: rgba(255,255,255,0.6);
  }

  /* Body text */
  .arc-trans-text {
    margin: 0;
    color: rgba(255,255,255,0.82);
    font: 500 15.5px/1.72 "Inter",system-ui,sans-serif;
    max-width: 80ch;
  }

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

  .arc-trans-text a {
    color: #7fd6e8;
    text-decoration: underline;
    text-underline-offset: 2px;
    transition: color 0.15s ease;
  }

  .arc-trans-text a:hover { color: #ffffff; }

  /* ── Badges row ── */
  .arc-trans-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
  }

  .arc-trans-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255,255,255,0.10);
    border: 1px solid rgba(255,255,255,0.16);
    font: 600 13px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.9);
    white-space: nowrap;
    transition: background 0.15s ease;
  }

  .arc-trans-badge:hover {
    background: rgba(255,255,255,0.16);
  }

  .arc-trans-chk {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: rgba(0,220,130,0.25);
    color: #4dffc0;
    font-size: 10px;
    font-weight: 800;
    flex-shrink: 0;
  }

  /* ── Authority gov links row ── */
  .arc-trans-gov-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    padding-top: 4px;
  }

  .arc-trans-gov-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.75);
    text-decoration: none;
    transition: background 0.15s ease, color 0.15s ease;
    white-space: nowrap;
  }

  .arc-trans-gov-link:hover {
    background: rgba(255,255,255,0.16);
    color: #ffffff;
  }

  .arc-trans-gov-link svg {
    flex-shrink: 0;
    opacity: 0.7;
  }

  /* ── Divider ── */
  .arc-trans-divider {
    height: 1px;
    background: rgba(255,255,255,0.1);
    border: none;
    margin: 0;
  }

  /* ── Bottom meta row ── */
  .arc-trans-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
  }

  .arc-trans-meta-left {
    font: 500 12px/1.6 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.5);
  }

  .arc-trans-meta-left strong {
    color: rgba(255,255,255,0.75);
    font-weight: 600;
  }

  .arc-trans-disclaimer-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    transition: color 0.15s ease;
  }

  .arc-trans-disclaimer-link:hover { color: #ffffff; }

  /* ── Responsive ── */
  @media (max-width: 780px) {
    .arc-transparency-inner {
      grid-template-columns: 1fr;
      gap: 24px;
    }
    .arc-trans-logo {
      width: 64px;
      height: 64px;
    }
  }

  @media (max-width: 520px) {
    .arc-transparency-section { padding: 40px 16px; }
    .arc-trans-title { font-size: 22px; }
    .arc-trans-gov-stamp { display: none; }
  }

  /* ============================================================
     CLV FAQ Section — 30+ Questions, Toggle Accordion
     Brand: Navy #002868 · Red #BF0A30 · Green #00875A · Amber #D97706
     Fonts: Montserrat (headings) + Inter (body)
     ============================================================ */
  #clv-faq {
    --fq-navy:     var(--navy, #002868);
    --fq-red:      var(--red, #BF0A30);
    --fq-green:    var(--green, #00875A);
    --fq-amber:    var(--amber, #D97706);
    --fq-text:     var(--text, #122033);
    --fq-muted:    var(--text-muted, #5f6b7a);
    --fq-border:   var(--border, #d7dce3);
    --fq-bg:       var(--surface, #ffffff);
    --fq-bg-soft:  var(--surface-soft, #f7f9fc);
    --fq-navy-bg:  var(--navy-bg, rgba(0,40,104,0.07));
    --fq-green-bg: var(--green-bg, rgba(0,135,90,0.07));
    --fq-red-bg:   var(--red-bg, rgba(191,10,48,0.07));
    --fq-amber-bg: rgba(217,119,6,0.09);
    --fq-shadow:   0 16px 40px rgba(11,27,58,0.07);
    --fq-radius:   18px;
    --fq-max:      900px;
    color: var(--fq-text);
    padding: 72px 20px;
    background: var(--fq-bg-soft);
  }

  #clv-faq * { box-sizing: border-box; }

  /* ── Wrap ── */
  #clv-faq .fq-wrap {
    max-width: var(--fq-max);
    margin: 0 auto;
  }

  /* ── Header ── */
  #clv-faq .fq-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 14px;
    border-radius: 999px;
    background: var(--fq-navy-bg);
    color: var(--fq-navy);
    font: 700 12px/1 "Inter",system-ui,sans-serif;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #clv-faq h2 {
    margin: 0 0 10px;
    font: 800 clamp(28px,4vw,44px)/1.1 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--fq-navy);
  }

  #clv-faq .fq-intro {
    margin: 0 0 32px;
    color: var(--fq-muted);
    font: 500 17px/1.7 "Inter",system-ui,sans-serif;
    max-width: 72ch;
  }

  /* ── Search box ── */
  #clv-faq .fq-search-wrap {
    position: relative;
    margin-bottom: 24px;
  }

  #clv-faq .fq-search-icon {
    position: absolute;
    left: 16px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--fq-muted);
    pointer-events: none;
  }

  #clv-faq #fq-search {
    width: 100%;
    padding: 14px 16px 14px 46px;
    border: 1.5px solid var(--fq-border);
    border-radius: var(--fq-radius);
    background: var(--fq-bg);
    font: 500 16px/1 "Inter",system-ui,sans-serif;
    color: var(--fq-text);
    outline: none;
    transition: border-color 0.18s ease, box-shadow 0.18s ease;
  }

  #clv-faq #fq-search:focus {
    border-color: var(--fq-navy);
    box-shadow: 0 0 0 3px rgba(0,40,104,0.1);
  }

  #clv-faq #fq-search::placeholder { color: var(--fq-muted); }

  /* ── Category tabs ── */
  #clv-faq .fq-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
  }

  #clv-faq .fq-tab {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--fq-border);
    background: var(--fq-bg);
    color: var(--fq-muted);
    font: 600 13px/1 "Inter",system-ui,sans-serif;
    cursor: pointer;
    transition: all 0.18s ease;
    white-space: nowrap;
  }

  #clv-faq .fq-tab:hover {
    border-color: var(--fq-navy);
    color: var(--fq-navy);
  }

  #clv-faq .fq-tab.active {
    background: var(--fq-navy);
    border-color: var(--fq-navy);
    color: #fff;
  }

  /* ── Category heading ── */
  #clv-faq .fq-cat-heading {
    display: flex;
    align-items: center;
    gap: 12px;
    margin: 32px 0 14px;
  }

  #clv-faq .fq-cat-heading:first-of-type { margin-top: 0; }

  #clv-faq .fq-cat-label {
    font: 800 13px/1 "Montserrat","Inter",system-ui,sans-serif;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    padding: 6px 12px;
    border-radius: 999px;
  }

  #clv-faq .fq-cat-label.navy  { background: var(--fq-navy-bg);  color: var(--fq-navy); }
  #clv-faq .fq-cat-label.green { background: var(--fq-green-bg); color: var(--fq-green); }
  #clv-faq .fq-cat-label.red   { background: var(--fq-red-bg);   color: var(--fq-red); }
  #clv-faq .fq-cat-label.amber { background: var(--fq-amber-bg); color: var(--fq-amber); }

  #clv-faq .fq-cat-line {
    flex: 1;
    height: 1px;
    background: var(--fq-border);
  }

  #clv-faq .fq-count {
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: var(--fq-muted);
    white-space: nowrap;
  }

  /* ── FAQ group ── */
  #clv-faq .fq-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 8px;
  }

  /* ── Single FAQ item ── */
  #clv-faq .fq-item {
    border: 1px solid var(--fq-border);
    border-radius: var(--fq-radius);
    background: var(--fq-bg);
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(11,27,58,0.04);
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
  }

  #clv-faq .fq-item.fq-open {
    border-color: rgba(0,40,104,0.2);
    box-shadow: var(--fq-shadow);
  }

  #clv-faq .fq-item[data-hidden="true"] {
    display: none;
  }

  /* ── Question button ── */
  #clv-faq .fq-q {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr 40px;
    gap: 14px;
    align-items: center;
    padding: 18px 20px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    color: var(--fq-text);
    transition: background 0.18s ease;
  }

  #clv-faq .fq-q:hover { background: var(--fq-bg-soft); }

  #clv-faq .fq-item.fq-open .fq-q { background: var(--fq-bg-soft); }

  #clv-faq .fq-q-text {
    font: 700 16px/1.4 "Inter",system-ui,sans-serif;
    color: var(--fq-text);
  }

  #clv-faq .fq-item.fq-open .fq-q-text { color: var(--fq-navy); }

  #clv-faq .fq-icon {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: var(--fq-bg-soft);
    border: 1px solid var(--fq-border);
    color: var(--fq-muted);
    flex-shrink: 0;
    transition: transform 0.25s cubic-bezier(0.16,1,0.3,1),
                background 0.18s ease,
                color 0.18s ease;
  }

  #clv-faq .fq-item.fq-open .fq-icon {
    transform: rotate(45deg);
    background: var(--fq-navy);
    border-color: var(--fq-navy);
    color: #fff;
  }

  /* ── Answer panel ── */
  #clv-faq .fq-a {
    display: grid;
    grid-template-rows: 0fr;
    transition: grid-template-rows 0.3s cubic-bezier(0.16,1,0.3,1);
  }

  #clv-faq .fq-item.fq-open .fq-a {
    grid-template-rows: 1fr;
  }

  #clv-faq .fq-a-inner {
    overflow: hidden;
  }

  #clv-faq .fq-a-content {
    padding: 0 20px 20px;
    border-top: 1px solid var(--fq-border);
    padding-top: 18px;
  }

  #clv-faq .fq-a-content p {
    margin: 0 0 12px;
    color: var(--fq-muted);
    font: 500 15px/1.72 "Inter",system-ui,sans-serif;
    max-width: 72ch;
  }

  #clv-faq .fq-a-content p:last-child { margin-bottom: 0; }

  #clv-faq .fq-a-content strong {
    color: var(--fq-text);
    font-weight: 700;
  }

  #clv-faq .fq-a-content ul,
  #clv-faq .fq-a-content ol {
    margin: 8px 0 12px;
    padding-left: 20px;
  }

  #clv-faq .fq-a-content li {
    margin: 0 0 7px;
    color: var(--fq-muted);
    font: 500 15px/1.65 "Inter",system-ui,sans-serif;
    max-width: 70ch;
  }

  #clv-faq .fq-a-content li:last-child { margin-bottom: 0; }

  #clv-faq .fq-formula-inline {
    display: inline-block;
    padding: 3px 10px;
    border-radius: 6px;
    background: var(--fq-navy-bg);
    color: var(--fq-navy);
    font: 700 13px/1.5 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  }

  #clv-faq .fq-callout {
    margin: 10px 0 0;
    padding: 12px 16px;
    border-radius: 12px;
    font: 600 14px/1.6 "Inter",system-ui,sans-serif;
  }

  #clv-faq .fq-callout.navy  { background: var(--fq-navy-bg);  color: var(--fq-navy); }
  #clv-faq .fq-callout.green { background: var(--fq-green-bg); color: var(--fq-green); }
  #clv-faq .fq-callout.red   { background: var(--fq-red-bg);   color: var(--fq-red); }
  #clv-faq .fq-callout.amber { background: var(--fq-amber-bg); color: var(--fq-amber); }

  /* ── No results ── */
  #clv-faq .fq-no-results {
    display: none;
    text-align: center;
    padding: 48px 20px;
    color: var(--fq-muted);
    font: 500 16px/1.6 "Inter",system-ui,sans-serif;
  }

  #clv-faq .fq-no-results strong {
    display: block;
    font: 800 20px/1.2 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--fq-text);
    margin-bottom: 8px;
  }

  #clv-faq .fq-result-count {
    margin-bottom: 20px;
    color: var(--fq-muted);
    font: 500 14px/1 "Inter",system-ui,sans-serif;
  }

  /* ── Expand/Collapse all ── */
  #clv-faq .fq-controls {
    display: flex;
    gap: 12px;
    align-items: center;
    margin-bottom: 8px;
    flex-wrap: wrap;
    justify-content: space-between;
  }

  #clv-faq .fq-ctrl-btn {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--fq-border);
    background: var(--fq-bg);
    color: var(--fq-muted);
    font: 600 13px/1 "Inter",system-ui,sans-serif;
    cursor: pointer;
    transition: all 0.18s ease;
  }

  #clv-faq .fq-ctrl-btn:hover {
    border-color: var(--fq-navy);
    color: var(--fq-navy);
  }

  /* ── Responsive ── */
  @media (max-width: 640px) {
    #clv-faq { padding: 48px 16px; }
    #clv-faq .fq-q { padding: 16px; }
    #clv-faq .fq-a-content { padding: 0 16px 16px; padding-top: 16px; }
    #clv-faq .fq-q-text { font-size: 15px; }
  }

  /* ============================================================
     5 Pro Tips for US CLV — matching clv-calculator.html brand
     ============================================================ */
  #clv-pro-tips {
    --pt-navy:      var(--navy, #002868);
    --pt-red:       var(--red, #BF0A30);
    --pt-green:     var(--green, #00875A);
    --pt-amber:     var(--amber, #D97706);
    --pt-text:      var(--text, #122033);
    --pt-muted:     var(--text-muted, #5f6b7a);
    --pt-border:    var(--border, #d7dce3);
    --pt-bg:        var(--surface, #ffffff);
    --pt-bg-soft:   var(--surface-soft, #f7f9fc);
    --pt-navy-bg:   var(--navy-bg, rgba(0,40,104,0.08));
    --pt-green-bg:  var(--green-bg, rgba(0,135,90,0.08));
    --pt-red-bg:    var(--red-bg, rgba(191,10,48,0.08));
    --pt-amber-bg:  rgba(217,119,6,0.10);
    --pt-shadow:    0 18px 40px rgba(11,27,58,0.08);
    --pt-radius:    20px;
    --pt-radius-sm: 14px;
    --pt-max:       1240px;
    color: var(--pt-text);
    padding: 72px 20px;
    background: var(--pt-bg-soft);
  }

  #clv-pro-tips * { box-sizing: border-box; }

  /* ── Wrapper ── */
  #clv-pro-tips .pt-wrap {
    max-width: var(--pt-max);
    margin: 0 auto;
  }

  /* ── Section header ── */
  #clv-pro-tips .pt-kicker {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px;
    border-radius: 999px;
    background: var(--pt-green-bg);
    color: var(--pt-green);
    font: 700 12px/1 "Inter", system-ui, sans-serif;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #clv-pro-tips h2 {
    margin: 0 0 12px;
    font: 800 clamp(30px,4vw,48px)/1.08 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--pt-navy);
    max-width: 18ch;
  }

  #clv-pro-tips .pt-intro {
    margin: 0 0 48px;
    max-width: 76ch;
    color: var(--pt-muted);
    font: 500 17px/1.7 "Inter",system-ui,sans-serif;
  }

  /* ── Tip cards ── */
  #clv-pro-tips .pt-list {
    display: flex;
    flex-direction: column;
    gap: 24px;
  }

  #clv-pro-tips .pt-card {
    background: var(--pt-bg);
    border: 1px solid var(--pt-border);
    border-radius: var(--pt-radius);
    box-shadow: var(--pt-shadow);
    overflow: hidden;
    display: grid;
    grid-template-columns: 88px 1fr;
  }

  /* ── Number sidebar ── */
  #clv-pro-tips .pt-num {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    padding-top: 28px;
    background: var(--pt-navy-bg);
    border-right: 1px solid var(--pt-border);
  }

  #clv-pro-tips .pt-num span {
    font: 900 clamp(36px,4vw,52px)/1 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--pt-navy);
    opacity: 0.18;
    user-select: none;
  }

  /* Accent colors per tip */
  #clv-pro-tips .pt-card[data-accent="green"] .pt-num  { background: var(--pt-green-bg); }
  #clv-pro-tips .pt-card[data-accent="green"] .pt-num span { color: var(--pt-green); }
  #clv-pro-tips .pt-card[data-accent="red"]   .pt-num  { background: var(--pt-red-bg); }
  #clv-pro-tips .pt-card[data-accent="red"]   .pt-num span { color: var(--pt-red); }
  #clv-pro-tips .pt-card[data-accent="amber"] .pt-num  { background: var(--pt-amber-bg); }
  #clv-pro-tips .pt-card[data-accent="amber"] .pt-num span { color: var(--pt-amber); }
  #clv-pro-tips .pt-card[data-accent="navy"]  .pt-num  { background: var(--pt-navy-bg); }
  #clv-pro-tips .pt-card[data-accent="navy"]  .pt-num span { color: var(--pt-navy); }

  /* ── Card body ── */
  #clv-pro-tips .pt-body {
    padding: 28px 28px 26px;
    display: grid;
    gap: 18px;
  }

  #clv-pro-tips .pt-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 12px;
    border-radius: 999px;
    font: 700 12px/1 "Inter",system-ui,sans-serif;
    letter-spacing: 0.04em;
    width: fit-content;
  }

  #clv-pro-tips .pt-tag.navy  { background: var(--pt-navy-bg);  color: var(--pt-navy); }
  #clv-pro-tips .pt-tag.green { background: var(--pt-green-bg); color: var(--pt-green); }
  #clv-pro-tips .pt-tag.red   { background: var(--pt-red-bg);   color: var(--pt-red); }
  #clv-pro-tips .pt-tag.amber { background: var(--pt-amber-bg); color: var(--pt-amber); }

  #clv-pro-tips .pt-card h3 {
    margin: 0;
    font: 800 clamp(20px,2.2vw,26px)/1.18 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--pt-text);
  }

  #clv-pro-tips .pt-card > .pt-body > p {
    margin: 0;
    color: var(--pt-muted);
    font: 500 16px/1.72 "Inter",system-ui,sans-serif;
    max-width: 72ch;
  }

  /* ── Inner two-column layout ── */
  #clv-pro-tips .pt-cols {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  #clv-pro-tips .pt-panel {
    background: var(--pt-bg-soft);
    border: 1px solid var(--pt-border);
    border-radius: var(--pt-radius-sm);
    padding: 18px;
  }

  #clv-pro-tips .pt-panel h4 {
    margin: 0 0 10px;
    font: 800 15px/1.3 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--pt-navy);
  }

  #clv-pro-tips .pt-panel ul,
  #clv-pro-tips .pt-panel ol {
    margin: 0;
    padding-left: 18px;
  }

  #clv-pro-tips .pt-panel li {
    margin: 0 0 9px;
    color: var(--pt-text);
    font: 500 14px/1.65 "Inter",system-ui,sans-serif;
    max-width: 60ch;
  }

  #clv-pro-tips .pt-panel li:last-child { margin-bottom: 0; }

  /* ── Formula/callout box ── */
  #clv-pro-tips .pt-formula {
    border-radius: var(--pt-radius-sm);
    padding: 14px 16px;
    font: 700 14px/1.65 "Inter",system-ui,sans-serif;
    overflow-x: auto;
  }

  #clv-pro-tips .pt-formula code {
    font-family: ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
    font-weight: 700;
    font-size: 13px;
    white-space: nowrap;
  }

  #clv-pro-tips .pt-formula.navy  { background: var(--pt-navy-bg);  color: var(--pt-navy); }
  #clv-pro-tips .pt-formula.green { background: var(--pt-green-bg); color: var(--pt-green); }
  #clv-pro-tips .pt-formula.red   { background: var(--pt-red-bg);   color: var(--pt-red); }
  #clv-pro-tips .pt-formula.amber { background: var(--pt-amber-bg); color: var(--pt-amber); }

  /* ── Insight callout bar ── */
  #clv-pro-tips .pt-insight {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 14px;
    align-items: start;
    padding: 16px 18px;
    border-radius: var(--pt-radius-sm);
  }

  #clv-pro-tips .pt-insight.green { background: var(--pt-green-bg); }
  #clv-pro-tips .pt-insight.red   { background: var(--pt-red-bg);   }
  #clv-pro-tips .pt-insight.amber { background: var(--pt-amber-bg); }
  #clv-pro-tips .pt-insight.navy  { background: var(--pt-navy-bg);  }

  #clv-pro-tips .pt-insight-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #clv-pro-tips .pt-insight.green .pt-insight-icon { background: rgba(0,135,90,0.15); color: var(--pt-green); }
  #clv-pro-tips .pt-insight.red   .pt-insight-icon { background: rgba(191,10,48,0.12); color: var(--pt-red); }
  #clv-pro-tips .pt-insight.amber .pt-insight-icon { background: rgba(217,119,6,0.15); color: var(--pt-amber); }
  #clv-pro-tips .pt-insight.navy  .pt-insight-icon { background: rgba(0,40,104,0.12);  color: var(--pt-navy); }

  #clv-pro-tips .pt-insight-text strong {
    display: block;
    font: 800 14px/1.3 "Inter",system-ui,sans-serif;
    margin-bottom: 4px;
  }

  #clv-pro-tips .pt-insight.green .pt-insight-text strong { color: var(--pt-green); }
  #clv-pro-tips .pt-insight.red   .pt-insight-text strong { color: var(--pt-red);   }
  #clv-pro-tips .pt-insight.amber .pt-insight-text strong { color: var(--pt-amber); }
  #clv-pro-tips .pt-insight.navy  .pt-insight-text strong { color: var(--pt-navy);  }

  #clv-pro-tips .pt-insight-text p {
    margin: 0;
    font: 500 14px/1.6 "Inter",system-ui,sans-serif;
    color: var(--pt-text);
    max-width: 72ch;
  }

  /* ── Before/After strip ── */
  #clv-pro-tips .pt-ba {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 10px;
    align-items: center;
  }

  #clv-pro-tips .pt-ba-box {
    padding: 14px 16px;
    border-radius: var(--pt-radius-sm);
    border: 1px solid var(--pt-border);
  }

  #clv-pro-tips .pt-ba-box .pt-ba-label {
    font: 700 11px/1 "Inter",system-ui,sans-serif;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    margin-bottom: 8px;
  }

  #clv-pro-tips .pt-ba-box.before .pt-ba-label { color: var(--pt-red); }
  #clv-pro-tips .pt-ba-box.after  .pt-ba-label { color: var(--pt-green); }
  #clv-pro-tips .pt-ba-box.before { background: var(--pt-red-bg); }
  #clv-pro-tips .pt-ba-box.after  { background: var(--pt-green-bg); }

  #clv-pro-tips .pt-ba-box p {
    margin: 0;
    font: 600 14px/1.6 "Inter",system-ui,sans-serif;
    color: var(--pt-text);
    max-width: none;
  }

  #clv-pro-tips .pt-ba-arrow {
    color: var(--pt-muted);
    flex-shrink: 0;
  }

  /* ── Summary CTA strip ── */
  #clv-pro-tips .pt-cta-strip {
    margin-top: 40px;
    background: linear-gradient(100deg, var(--pt-navy), #0d4aa6);
    border-radius: var(--pt-radius);
    padding: 36px 40px;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 28px;
    align-items: center;
    box-shadow: 0 20px 50px rgba(0,40,104,0.22);
  }

  #clv-pro-tips .pt-cta-text h3 {
    margin: 0 0 8px;
    font: 800 clamp(22px,2.5vw,30px)/1.15 "Montserrat","Inter",system-ui,sans-serif;
    color: #fff;
  }

  #clv-pro-tips .pt-cta-text p {
    margin: 0;
    color: rgba(255,255,255,0.88);
    font: 500 16px/1.65 "Inter",system-ui,sans-serif;
    max-width: 60ch;
  }

  #clv-pro-tips .pt-cta-checklist {
    list-style: none;
    margin: 14px 0 0;
    padding: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
  }

  #clv-pro-tips .pt-cta-checklist li {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.9);
    font: 600 14px/1 "Inter",system-ui,sans-serif;
    max-width: none;
  }

  #clv-pro-tips .pt-cta-checklist li svg {
    color: #7ff0cc;
    flex-shrink: 0;
  }

  #clv-pro-tips .pt-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 28px;
    background: #fff;
    color: var(--pt-navy);
    border-radius: 999px;
    font: 800 15px/1 "Montserrat","Inter",system-ui,sans-serif;
    text-decoration: none;
    white-space: nowrap;
    box-shadow: 0 6px 20px rgba(0,0,0,0.15);
    transition: transform 0.18s ease, box-shadow 0.18s ease;
    cursor: pointer;
    border: none;
  }

  #clv-pro-tips .pt-cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 28px rgba(0,0,0,0.2);
  }

  /* ── Responsive ── */
  @media (max-width: 1024px) {
    #clv-pro-tips .pt-cols { grid-template-columns: 1fr; }
    #clv-pro-tips .pt-cta-strip { grid-template-columns: 1fr; }
  }

  @media (max-width: 720px) {
    #clv-pro-tips { padding: 56px 16px; }

    #clv-pro-tips .pt-card { grid-template-columns: 60px 1fr; }

    #clv-pro-tips .pt-num { padding-top: 22px; }
    #clv-pro-tips .pt-num span { font-size: 32px; }

    #clv-pro-tips .pt-body { padding: 20px 16px 18px; }

    #clv-pro-tips .pt-ba {
      grid-template-columns: 1fr;
      grid-template-rows: auto auto auto;
    }

    #clv-pro-tips .pt-ba-arrow { display: none; }

    #clv-pro-tips .pt-cta-strip { padding: 28px 20px; }
  }


.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

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

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

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

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

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