/* =====================================================
   DEBT CONSOLIDATION LOAN SAVINGS CALCULATOR — CSS
   USFinanceCalculators.com | Kadence Integration
   FULLY MOBILE-OPTIMIZED BUILD — April 2026
   ===================================================== */

/* ---- ROOT VARIABLES ---- */
:root {
  --dc-blue:    var(--global-palette1, #002868);
  --dc-charcoal:var(--global-palette3, #1D1D1F);
  --dc-gray:    var(--global-palette4, #5F6368);
  --dc-border:  var(--global-palette5, #E0E4E8);
  --dc-bg:      var(--global-palette6, #F7F9FC);
  --dc-white:   var(--global-palette7, #FFFFFF);
  --dc-red:     var(--global-palette8, #BF0A30);
  --dc-green:   var(--global-palette9, #00875A);
  --dc-amber:   #D97706;
  --dc-purple:  #7C3AED;
  --dc-teal:    #0891B2;
  --dc-orange:  #EA580C;
}

/* ---- WRAPPER ---- */
#dcWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1180px; margin: 0 auto;
  color: var(--dc-charcoal); -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.dc-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue) 45%, #001840 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.dc-header::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
              radial-gradient(ellipse at 85% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-header::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.dc-mca-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(234,88,12,0.2); border: 1px solid rgba(234,88,12,0.4);
  color: #fb923c; font-size: 0.68rem; font-weight: 700;
  padding: 4px 12px; border-radius: 20px; letter-spacing: 0.04em;
  margin-bottom: 14px; position: relative; z-index: 1;
}
.dc-header-icon { font-size: 2.6rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.dc-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important; font-weight: 800 !important;
  color: #fff !important; margin: 0 0 10px !important; line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.dc-subtitle {
  font-size: 0.87rem; color: rgba(255,255,255,0.72);
  max-width: 780px; margin: 0 auto 22px; line-height: 1.65; position: relative; z-index: 1;
}
.dc-badges { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
.dc-badge {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
}

/* ---- MODE BAR ---- */
.dc-mode-bar { display: flex; justify-content: center; gap: 10px; margin-bottom: 24px; flex-wrap: wrap; }
.dc-mode-btn {
  padding: 9px 22px; border: 1.5px solid var(--dc-border);
  background: var(--dc-white); color: var(--dc-gray);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 700;
  border-radius: 10px; cursor: pointer; transition: all 0.2s; letter-spacing: 0.03em;
}
.dc-mode-btn.active { background: var(--dc-blue); color: #fff; border-color: var(--dc-blue); box-shadow: 0 2px 10px rgba(0,40,104,0.25); }
.dc-mode-btn.biz-active { background: var(--dc-orange); color: #fff; border-color: var(--dc-orange); }

/* ---- MAIN GRID ---- */
.dc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.dc-input-panel { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 16px; padding: 28px; }
.dc-results-panel { background: var(--dc-bg); border: 1px solid var(--dc-border); border-radius: 16px; padding: 28px; }

/* ---- SECTION LABEL ---- */
.dc-sec {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase; color: var(--dc-blue);
  margin: 0 0 14px; padding-bottom: 8px; border-bottom: 2px solid var(--dc-border);
  display: flex; align-items: center; gap: 7px;
}
.dc-gap { margin-top: 22px; }

/* ---- DEBT ENTRY BLOCK ---- */
.dc-debt-block {
  background: var(--dc-bg); border: 1px solid var(--dc-border);
  border-radius: 12px; padding: 14px; margin-bottom: 10px; position: relative;
}
.dc-debt-hdr { display: flex; align-items: center; gap: 8px; margin-bottom: 12px; flex-wrap: wrap; }
.dc-debt-lbl {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 800;
  letter-spacing: 0.06em; text-transform: uppercase; padding: 3px 10px; border-radius: 20px;
  flex-shrink: 0;
}
.dc-mca-tag { background: rgba(234,88,12,0.15); color: var(--dc-orange); border: 1px solid rgba(234,88,12,0.3); font-size: 0.62rem; font-weight: 700; padding: 2px 8px; border-radius: 10px; display: none; flex-shrink: 0; }
.dc-debt-rm { margin-left: auto; background: transparent; border: none; color: var(--dc-gray); font-size: 1.1rem; cursor: pointer; padding: 2px 6px; border-radius: 6px; transition: all 0.15s; flex-shrink: 0; }
.dc-debt-rm:hover { background: #FFF5F7; color: var(--dc-red); }

/* ---- FORM ---- */
.dc-r2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.dc-r3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.dc-field { margin-bottom: 10px; }
.dc-field label { display: block; font-size: 0.74rem; font-weight: 600; color: var(--dc-charcoal); margin-bottom: 4px; }
.dc-field label .h { font-weight: 400; color: var(--dc-gray); font-size: 0.68rem; }
.dc-iw { display: flex; align-items: center; border: 1.5px solid var(--dc-border); border-radius: 8px; overflow: hidden; background: var(--dc-white); transition: border-color 0.2s; }
.dc-iw:focus-within { border-color: var(--dc-blue); }
.dc-pre,.dc-suf { background: var(--dc-bg); color: var(--dc-gray); font-size: 0.78rem; font-weight: 600; padding: 0 8px; height: 38px; display: flex; align-items: center; flex-shrink: 0; border-right: 1.5px solid var(--dc-border); }
.dc-suf { border-right: none; border-left: 1.5px solid var(--dc-border); }
.dc-iw input,.dc-iw select { flex: 1; height: 38px; border: none; outline: none; background: transparent; font-size: 0.84rem; color: var(--dc-charcoal); padding: 0 8px; min-width: 0; }
.dc-sel { width: 100%; height: 38px; border: 1.5px solid var(--dc-border); border-radius: 8px; background: var(--dc-white); font-size: 0.84rem; color: var(--dc-charcoal); padding: 0 8px; outline: none; cursor: pointer; transition: border-color 0.2s; }
.dc-sel:focus { border-color: var(--dc-blue); }
/* MCA fields shown/hidden */
.dc-apr-row { }
.dc-mca-fields { display: none; }

/* ---- ADD DEBT BTN ---- */
.dc-add-btn { width: 100%; padding: 10px; background: transparent; border: 1.5px dashed var(--dc-border); border-radius: 10px; color: var(--dc-blue); font-size: 0.8rem; font-weight: 600; cursor: pointer; transition: all 0.2s; margin-bottom: 16px; display: flex; align-items: center; justify-content: center; gap: 6px; }
.dc-add-btn:hover { border-color: var(--dc-blue); background: rgba(0,40,104,0.04); }

/* ---- AD ---- */
.ad-container.ad-in-calc { background: var(--dc-bg); border: 1.5px dashed var(--dc-border); border-radius: 10px; min-height: 90px; display: flex; align-items: center; justify-content: center; color: var(--dc-gray); font-size: 0.72rem; text-align: center; margin: 18px 0; }

/* ---- BUTTONS ---- */
.dc-calc-btn { width: 100%; padding: 14px; background: var(--dc-blue); color: #fff; font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 800; border: none; border-radius: 10px; cursor: pointer; letter-spacing: 0.04em; transition: all 0.2s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.dc-calc-btn:hover { background: #001a4d; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,40,104,0.3); }
.dc-reset-btn { width: 100%; padding: 10px; background: transparent; color: var(--dc-gray); font-size: 0.78rem; font-weight: 600; border: 1.5px solid var(--dc-border); border-radius: 10px; cursor: pointer; margin-top: 8px; transition: all 0.2s; }
.dc-reset-btn:hover { border-color: var(--dc-red); color: var(--dc-red); }

/* ---- ERROR ---- */
.dc-err { background: #FFF5F7; border: 1.5px solid var(--dc-red); border-radius: 10px; padding: 10px 14px; margin-bottom: 12px; font-size: 0.82rem; color: var(--dc-red); display: none; gap: 8px; align-items: center; }
.dc-err.show { display: flex; }

/* ---- DISCLAIMER ---- */
.dc-disc { font-size: 0.68rem; color: var(--dc-gray); line-height: 1.55; text-align: center; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--dc-border); }

/* ---- EMPTY STATE ---- */
.dc-empty { text-align: center; padding: 48px 20px; color: var(--dc-gray); }
.dc-empty-icon { font-size: 3rem; display: block; margin-bottom: 14px; opacity: 0.35; }
.dc-empty p { font-size: 0.85rem; line-height: 1.65; }

/* ---- RESULTS ---- */
.dc-results { display: none; }
.dc-results.show { display: block; }

/* ---- NET TRUE SAVINGS HERO ---- */
.dc-net-hero {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue) 100%);
  border-radius: 16px; padding: 22px 20px 18px;
  text-align: center; margin-bottom: 18px; position: relative; overflow: hidden;
}
.dc-net-hero::after { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px); background-size: 40px 40px; pointer-events: none; }
.dc-net-eyebrow { font-size: 0.67rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.5); margin-bottom: 6px; position: relative; z-index: 1; }
.dc-net-value { font-family: 'Montserrat','Inter',sans-serif; font-size: clamp(2.2rem, 5vw, 3rem); font-weight: 900; color: #4ade80; line-height: 1; margin-bottom: 6px; position: relative; z-index: 1; }
.dc-net-sub { font-size: 0.78rem; color: rgba(255,255,255,0.65); position: relative; z-index: 1; }
.dc-net-pills { display: flex; gap: 8px; justify-content: center; margin-top: 12px; flex-wrap: wrap; position: relative; z-index: 1; }
.dc-net-pill { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.15); color: rgba(255,255,255,0.85); font-size: 0.72rem; font-weight: 600; padding: 4px 12px; border-radius: 20px; }

/* ---- VERDICT BADGE ---- */
.dc-verdict {
  border-radius: 12px; padding: 12px 14px; margin-bottom: 18px;
  display: flex; align-items: center; gap: 10px; font-size: 0.82rem; line-height: 1.5;
}
.dc-verdict.yes { background: #F0FBF6; border: 1px solid rgba(0,135,90,0.25); color: var(--dc-charcoal); }
.dc-verdict.no  { background: #FFF5F7; border: 1px solid rgba(191,10,48,0.25); color: var(--dc-charcoal); }
.dc-verdict.caution { background: #FFFBEB; border: 1px solid rgba(217,119,6,0.25); color: var(--dc-charcoal); }
.dc-verdict-icon { font-size: 1.5rem; flex-shrink: 0; }
.dc-verdict-text strong { font-weight: 700; display: block; margin-bottom: 2px; }

/* ---- STATS GRID ---- */
.dc-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
.dc-stat { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 10px; padding: 12px 14px; text-align: center; }
.dc-stat.red { border-color: rgba(191,10,48,0.25); background: #FFF5F7; }
.dc-stat.green { border-color: rgba(0,135,90,0.25); background: #F0FBF6; }
.dc-stat.amber { border-color: rgba(217,119,6,0.25); background: #FFFBEB; }
.dc-stat.teal { border-color: rgba(8,145,178,0.25); background: #F0F9FF; }
.dc-stat-label { font-size: 0.64rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--dc-gray); margin-bottom: 4px; }
.dc-stat-value { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.05rem; font-weight: 800; color: var(--dc-charcoal); }
.dc-stat.red .dc-stat-value { color: var(--dc-red); }
.dc-stat.green .dc-stat-value { color: var(--dc-green); }
.dc-stat.amber .dc-stat-value { color: var(--dc-amber); }
.dc-stat.teal .dc-stat-value { color: var(--dc-teal); }

/* ---- CASH FLOW LIBERATION ---- */
.dc-cashflow {
  background: linear-gradient(135deg, #064E3B, #065F46);
  border-radius: 14px; padding: 16px 18px; margin-bottom: 18px;
}
.dc-cf-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(255,255,255,0.65); margin-bottom: 12px; }
.dc-cf-grid { display: grid; grid-template-columns: 1fr auto 1fr; gap: 12px; align-items: center; }
.dc-cf-block { text-align: center; }
.dc-cf-num { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.5rem; font-weight: 900; color: #fff; }
.dc-cf-num.old { color: #fca5a5; }
.dc-cf-num.new { color: #86efac; }
.dc-cf-lbl { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-top: 4px; color: rgba(255,255,255,0.6); }
.dc-cf-arrow { font-size: 1.8rem; color: rgba(255,255,255,0.5); text-align: center; }
.dc-cf-saved { text-align: center; margin-top: 12px; padding-top: 12px; border-top: 1px solid rgba(255,255,255,0.15); }
.dc-cf-saved-num { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.3rem; font-weight: 900; color: #4ade80; }
.dc-cf-saved-lbl { font-size: 0.72rem; color: rgba(255,255,255,0.65); }

/* ---- BREAK EVEN ---- */
.dc-breakeven { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; padding: 14px 16px; margin-bottom: 18px; }
.dc-be-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-blue); margin-bottom: 10px; }
.dc-be-visual { position: relative; height: 28px; background: var(--dc-bg); border-radius: 8px; overflow: hidden; margin-bottom: 8px; }
.dc-be-bar { position: absolute; top: 0; left: 0; bottom: 0; background: linear-gradient(90deg, var(--dc-red), var(--dc-amber), var(--dc-green)); border-radius: 8px; transition: width 0.6s; display: flex; align-items: center; justify-content: flex-end; padding-right: 10px; }
.dc-be-bar-val { font-size: 0.7rem; font-weight: 800; color: #fff; white-space: nowrap; }
.dc-be-hero { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.4rem; font-weight: 900; color: var(--dc-green); }
.dc-be-sub { font-size: 0.76rem; color: var(--dc-gray); line-height: 1.5; margin-top: 4px; }

/* ---- TERM EXTENSION WARNING ---- */
.dc-term-warn { background: #FFF5F7; border: 1.5px solid var(--dc-red); border-radius: 12px; padding: 12px 14px; margin-bottom: 18px; font-size: 0.8rem; line-height: 1.55; display: none; }
.dc-term-warn.show { display: flex; gap: 10px; align-items: flex-start; }
.dc-tw-icon { font-size: 1.3rem; flex-shrink: 0; }
.dc-tw-text strong { color: var(--dc-red); font-weight: 700; }

/* ---- NET BREAKDOWN TABLE ---- */
.dc-breakdown { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.dc-bd-head { background: var(--dc-bg); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-blue); border-bottom: 1px solid var(--dc-border); }
.dc-bd-row { display: flex; justify-content: space-between; align-items: center; padding: 9px 14px; font-size: 0.82rem; border-bottom: 1px solid var(--dc-bg); gap: 8px; }
.dc-bd-row.alt { background: var(--dc-bg); }
.dc-bd-row.total { background: var(--dc-blue); }
.dc-bd-row.total .dc-bd-lbl,.dc-bd-row.total .dc-bd-val { color: #fff; font-weight: 800; }
.dc-bd-lbl { color: var(--dc-charcoal); font-weight: 500; flex: 1; min-width: 0; }
.dc-bd-val { font-weight: 700; font-family: 'Montserrat','Inter',sans-serif; flex-shrink: 0; white-space: nowrap; }
.dc-bd-val.red { color: var(--dc-red); }
.dc-bd-val.green { color: var(--dc-green); }

/* ---- 4-VEHICLE TABLE ---- */
.dc-vehicles { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.dc-veh-head { background: var(--dc-blue); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; }
.dc-veh { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.dc-veh table { width: 100%; border-collapse: collapse; font-size: 0.78rem; min-width: 560px; }
.dc-veh thead tr { background: var(--dc-bg); }
.dc-veh thead th { padding: 8px 9px; font-size: 0.67rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--dc-gray); text-align: right; white-space: nowrap; }
.dc-veh thead th:first-child { text-align: left; }
.dc-veh tbody tr:nth-child(even) { background: var(--dc-bg); }
.dc-veh tbody td { padding: 9px 9px; text-align: right; color: var(--dc-charcoal); font-weight: 500; font-size: 0.8rem; white-space: nowrap; }
.dc-veh tbody td:first-child { text-align: left; font-weight: 700; }
.dc-veh tbody td.best { color: var(--dc-green); font-weight: 800; }
.dc-veh tbody td.best-hl { background: #F0FBF6; }
.dc-veh tfoot td { padding: 9px; border-top: 2px solid var(--dc-border); text-align: right; font-weight: 700; font-family: 'Montserrat','Inter',sans-serif; white-space: nowrap; }
.dc-veh tfoot td:first-child { text-align: left; }

/* ---- MCA TABLE ---- */
.dc-mca-panel { background: var(--dc-white); border: 1.5px solid rgba(234,88,12,0.25); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.dc-mca-head { background: linear-gradient(135deg, #7C2D12, #C2410C); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; }
.dc-mca-panel .dc-mca-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.dc-mca-table { width: 100%; border-collapse: collapse; font-size: 0.79rem; min-width: 540px; }
.dc-mca-table thead tr { background: #FFF7ED; }
.dc-mca-table thead th { padding: 8px 10px; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--dc-orange); text-align: right; white-space: nowrap; }
.dc-mca-table thead th:first-child { text-align: left; }
.dc-mca-table tbody tr:nth-child(even) { background: #FFFBF5; }
.dc-mca-table tbody td { padding: 8px 10px; text-align: right; color: var(--dc-charcoal); font-weight: 500; white-space: nowrap; }
.dc-mca-table tbody td:first-child { text-align: left; font-weight: 600; }
.dc-mca-table tbody td.apr-col { color: var(--dc-red); font-weight: 800; }
.dc-mca-table tfoot td { padding: 9px 10px; text-align: right; border-top: 2px solid rgba(234,88,12,0.2); font-weight: 800; font-family: 'Montserrat','Inter',sans-serif; color: var(--dc-orange); white-space: nowrap; }
.dc-mca-table tfoot td:first-child { text-align: left; color: var(--dc-charcoal); }

/* ---- BUSINESS TAX ---- */
.dc-tax-panel { background: var(--dc-white); border: 1px solid rgba(124,58,237,0.2); border-radius: 12px; padding: 14px 16px; margin-bottom: 18px; }
.dc-tax-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-purple); margin-bottom: 8px; }
.dc-tax-row { display: flex; justify-content: space-between; align-items: center; padding: 7px 0; border-bottom: 1px solid var(--dc-bg); font-size: 0.8rem; gap: 8px; }
.dc-tax-row:last-child { border-bottom: none; }
.dc-tax-lbl { color: var(--dc-charcoal); font-weight: 500; flex: 1; min-width: 0; }
.dc-tax-val { font-weight: 700; font-family: 'Montserrat','Inter',sans-serif; flex-shrink: 0; white-space: nowrap; }

/* ---- ELIGIBILITY ---- */
.dc-elig-panel { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; padding: 14px 16px; margin-bottom: 18px; }
.dc-elig-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-blue); margin-bottom: 10px; }
.dc-elig-row { display: flex; align-items: center; gap: 10px; padding: 8px 10px; background: var(--dc-bg); border-radius: 8px; margin-bottom: 6px; font-size: 0.79rem; flex-wrap: wrap; }
.dc-elig-row:last-child { margin-bottom: 0; }
.dc-elig-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.dc-elig-dot.likely { background: var(--dc-green); }
.dc-elig-dot.possible { background: var(--dc-amber); }
.dc-elig-dot.unlikely { background: var(--dc-red); }
.dc-elig-vehicle { font-weight: 700; color: var(--dc-charcoal); }
.dc-elig-rate { color: var(--dc-gray); font-size: 0.72rem; flex: 1; min-width: 0; }
.dc-elig-status { font-size: 0.7rem; font-weight: 700; padding: 2px 8px; border-radius: 10px; white-space: nowrap; flex-shrink: 0; }
.dc-elig-status.likely { background: #D1FAE5; color: #065f46; }
.dc-elig-status.possible { background: #FEF3C7; color: #92400e; }
.dc-elig-status.unlikely { background: #FEE2E2; color: #991b1b; }

/* ---- AMORT TABLE ---- */
.dc-amort-wrap { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.dc-amort-head { background: var(--dc-bg); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-blue); border-bottom: 1px solid var(--dc-border); display: flex; justify-content: space-between; align-items: center; gap: 8px; }
.dc-amort-toggle { font-size: 0.7rem; font-weight: 600; color: var(--dc-blue); cursor: pointer; text-decoration: underline; white-space: nowrap; flex-shrink: 0; }
.dc-amort-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.dc-amort-table { width: 100%; border-collapse: collapse; font-size: 0.76rem; min-width: 420px; }
.dc-amort-table thead tr { background: var(--dc-blue); }
.dc-amort-table thead th { padding: 7px 9px; color: #fff; font-size: 0.67rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; text-align: right; white-space: nowrap; }
.dc-amort-table thead th:first-child { text-align: left; }
.dc-amort-table tbody tr:nth-child(even) { background: var(--dc-bg); }
.dc-amort-table tbody td { padding: 7px 9px; text-align: right; color: var(--dc-charcoal); white-space: nowrap; }
.dc-amort-table tbody td:first-child { text-align: left; font-weight: 600; }
.dc-amort-table tbody td.int-col { color: var(--dc-red); font-weight: 600; }

/* ---- CHART ---- */
.dc-chart-wrap { background: var(--dc-white); border: 1px solid var(--dc-border); border-radius: 12px; padding: 16px; margin-bottom: 18px; }
.dc-chart-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--dc-blue); margin-bottom: 12px; }

/* ---- ACTION BUTTONS ---- */
.dc-action-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.dc-pdf-btn,.dc-wa-btn { padding: 11px 12px; border: none; border-radius: 9px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 700; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 7px; transition: all 0.2s; letter-spacing: 0.03em; }
.dc-pdf-btn { background: var(--dc-red); color: #fff; }
.dc-pdf-btn:hover { background: #9b0826; transform: translateY(-1px); }
.dc-wa-btn { background: #25D366; color: #fff; }
.dc-wa-btn:hover { background: #128C7E; transform: translateY(-1px); }


/* =========================================================
   RESPONSIVE — FULL MOBILE OPTIMIZATION
   4 Breakpoints: 900px → 768px → 480px → 360px
   ========================================================= */

/* ---- TABLET (≤ 900px) ---- */
@media (max-width: 900px) {
  .dc-grid { grid-template-columns: 1fr; }
}

/* ---- SMALL TABLET / LARGE PHONE (≤ 768px) ---- */
@media (max-width: 768px) {
  /* Form grids → single column */
  .dc-r2,
  .dc-r3 { grid-template-columns: 1fr; }

  /* Action buttons → stack */
  .dc-action-row { grid-template-columns: 1fr; }

  /* Header */
  .dc-header { padding: 24px 16px 20px; border-radius: 14px; }
  .dc-header-icon { font-size: 2.2rem; margin-bottom: 10px; }
  .dc-title { font-size: clamp(1.15rem, 2.8vw, 1.6rem) !important; }
  .dc-subtitle { font-size: 0.82rem; margin-bottom: 16px; line-height: 1.55; }
  .dc-badges { gap: 6px; }
  .dc-badge { font-size: 0.65rem; padding: 3px 9px; }
  .dc-mca-badge { font-size: 0.62rem; padding: 3px 10px; }

  /* Panels */
  .dc-input-panel,
  .dc-results-panel { padding: 18px 14px; border-radius: 14px; }

  /* Mode bar */
  .dc-mode-bar { gap: 8px; }
  .dc-mode-btn { padding: 8px 18px; font-size: 0.75rem; flex: 1; text-align: center; }

  /* Debt blocks */
  .dc-debt-block { padding: 12px 10px; }
  .dc-debt-hdr {
    flex-wrap: wrap;
    gap: 6px;
    position: relative;
    padding-right: 28px;
  }
  .dc-debt-hdr input[type="text"] {
    flex: none !important;
    width: 100% !important;
    margin: 4px 0 0 !important;
    order: 10;
  }
  .dc-debt-rm {
    position: absolute; top: 0; right: 0;
    margin-left: 0;
  }

  /* Cash flow grid → stays 3-col but smaller text */
  .dc-cf-grid { gap: 8px; }
  .dc-cf-num { font-size: 1.25rem; }
  .dc-cf-saved-num { font-size: 1.1rem; }
  .dc-cf-arrow { font-size: 1.4rem; }

  /* Breakdown rows → wrap long labels */
  .dc-bd-row { flex-wrap: wrap; padding: 8px 12px; font-size: 0.78rem; }
  .dc-bd-lbl { flex: 1 1 100%; }
  .dc-bd-val { margin-left: auto; }

  /* Tax rows → wrap */
  .dc-tax-row { flex-wrap: wrap; font-size: 0.76rem; }
  .dc-tax-lbl { flex: 1 1 100%; }
  .dc-tax-val { margin-left: auto; }

  /* Eligibility rows → wrap */
  .dc-elig-row { flex-wrap: wrap; gap: 6px; font-size: 0.75rem; padding: 7px 8px; }
  .dc-elig-vehicle { min-width: unset; flex: 1; }
  .dc-elig-rate { flex-basis: 100%; order: 10; font-size: 0.68rem; padding-left: 20px; }

  /* Breakeven */
  .dc-be-hero { font-size: 1.2rem; }
  .dc-be-sub { font-size: 0.72rem; }

  /* Verdict */
  .dc-verdict { font-size: 0.78rem; padding: 10px 12px; gap: 8px; }
  .dc-verdict-icon { font-size: 1.3rem; }

  /* Stats */
  .dc-stat { padding: 10px 10px; }
  .dc-stat-label { font-size: 0.6rem; }
  .dc-stat-value { font-size: 0.95rem; }

  /* Net hero */
  .dc-net-hero { padding: 18px 14px 14px; border-radius: 14px; }
  .dc-net-sub { font-size: 0.72rem; }
  .dc-net-pill { font-size: 0.66rem; padding: 3px 9px; }

  /* Term warning */
  .dc-term-warn { font-size: 0.76rem; padding: 10px 12px; }
  .dc-tw-icon { font-size: 1.1rem; }

  /* Amort head */
  .dc-amort-head { font-size: 0.65rem; padding: 8px 12px; flex-wrap: wrap; }

  /* Chart */
  .dc-chart-wrap { padding: 12px; }

  /* Empty state */
  .dc-empty { padding: 36px 16px; }
  .dc-empty-icon { font-size: 2.5rem; }
  .dc-empty p { font-size: 0.8rem; }

  /* Disclaimer */
  .dc-disc { font-size: 0.64rem; }

  /* Section labels */
  .dc-sec { font-size: 0.65rem; margin-bottom: 12px; }
}

/* ---- PHONE (≤ 480px) ---- */
@media (max-width: 480px) {
  /* Stats → single column */
  .dc-stats { grid-template-columns: 1fr; gap: 8px; }

  /* Net hero shrink */
  .dc-net-value { font-size: 1.8rem; }
  .dc-net-eyebrow { font-size: 0.6rem; letter-spacing: 0.08em; }
  .dc-net-sub { font-size: 0.68rem; }

  /* Net pills → stack vertical */
  .dc-net-pills { flex-direction: column; align-items: stretch; gap: 6px; }
  .dc-net-pill { text-align: center; font-size: 0.64rem; }

  /* Cash flow → stack vertical */
  .dc-cf-grid { grid-template-columns: 1fr; gap: 8px; }
  .dc-cf-arrow { display: none; }
  .dc-cf-num { font-size: 1.15rem; }
  .dc-cf-lbl { font-size: 0.6rem; }
  .dc-cf-saved-num { font-size: 1rem; }
  .dc-cf-saved-lbl { font-size: 0.66rem; }
  .dc-cashflow { padding: 14px 12px; }

  /* Panels */
  .dc-input-panel,
  .dc-results-panel { padding: 14px 10px; border-radius: 12px; }

  /* Header */
  .dc-header { padding: 20px 12px 16px; border-radius: 12px; margin-bottom: 16px; }
  .dc-header-icon { font-size: 1.8rem; margin-bottom: 8px; }
  .dc-subtitle { font-size: 0.76rem; margin-bottom: 14px; }
  .dc-badges { gap: 4px; }
  .dc-badge { font-size: 0.6rem; padding: 2px 7px; }
  .dc-mca-badge { font-size: 0.58rem; padding: 2px 8px; gap: 4px; }

  /* Mode bar */
  .dc-mode-bar { gap: 6px; margin-bottom: 16px; }
  .dc-mode-btn { padding: 8px 12px; font-size: 0.72rem; }

  /* Debt block tighter */
  .dc-debt-block { padding: 10px 8px; margin-bottom: 8px; }
  .dc-debt-lbl { font-size: 0.65rem; padding: 2px 8px; }

  /* Breakdown */
  .dc-bd-row { padding: 7px 10px; font-size: 0.74rem; }
  .dc-bd-head { padding: 8px 10px; font-size: 0.65rem; }

  /* Tax panel */
  .dc-tax-panel { padding: 12px; }
  .dc-tax-row { font-size: 0.73rem; padding: 6px 0; }

  /* Eligibility */
  .dc-elig-panel { padding: 12px; }
  .dc-elig-row { padding: 6px 8px; font-size: 0.72rem; }
  .dc-elig-status { font-size: 0.65rem; }

  /* Breakeven */
  .dc-breakeven { padding: 12px; }
  .dc-be-title { font-size: 0.65rem; }
  .dc-be-hero { font-size: 1.1rem; }
  .dc-be-sub { font-size: 0.7rem; }
  .dc-be-bar-val { font-size: 0.62rem; }

  /* Verdict */
  .dc-verdict { font-size: 0.74rem; padding: 8px 10px; }
  .dc-verdict-icon { font-size: 1.1rem; }

  /* Term warn */
  .dc-term-warn { font-size: 0.72rem; padding: 8px 10px; }

  /* Action buttons */
  .dc-action-row { gap: 8px; }
  .dc-pdf-btn,.dc-wa-btn { padding: 10px; font-size: 0.73rem; }

  /* Section label */
  .dc-sec { font-size: 0.62rem; gap: 5px; margin-bottom: 10px; }
  .dc-gap { margin-top: 16px; }

  /* Calc button */
  .dc-calc-btn { padding: 12px; font-size: 0.9rem; }
  .dc-reset-btn { padding: 9px; font-size: 0.74rem; }

  /* Form fields */
  .dc-field label { font-size: 0.7rem; }
  .dc-field label .h { font-size: 0.62rem; }
  .dc-iw input,.dc-iw select { font-size: 0.8rem; height: 36px; }
  .dc-pre,.dc-suf { font-size: 0.72rem; height: 36px; padding: 0 6px; }
  .dc-sel { font-size: 0.8rem; height: 36px; }

  /* Amort */
  .dc-amort-head { padding: 8px 10px; font-size: 0.62rem; }
  .dc-amort-toggle { font-size: 0.62rem; }

  /* Chart */
  .dc-chart-wrap { padding: 10px; }
  .dc-chart-title { font-size: 0.65rem; margin-bottom: 8px; }

  /* Grid gap */
  .dc-grid { gap: 16px; }

  /* Tables min-width for scroll */
  .dc-veh table { min-width: 520px; }
  .dc-mca-table { min-width: 500px; }
  .dc-amort-table { min-width: 380px; }

  /* Vehicles head */
  .dc-veh-head { font-size: 0.65rem; padding: 8px 10px; }
  .dc-mca-head { font-size: 0.65rem; padding: 8px 10px; }

  /* Add button */
  .dc-add-btn { padding: 9px; font-size: 0.75rem; }

  /* Empty */
  .dc-empty { padding: 28px 12px; }
  .dc-empty-icon { font-size: 2rem; }
  .dc-empty p { font-size: 0.76rem; }

  /* Disclosure */
  .dc-disc { font-size: 0.6rem; }
}

/* ---- ULTRA-NARROW PHONE (≤ 360px) — iPhone SE, small Androids ---- */
@media (max-width: 360px) {
  /* Header extreme shrink */
  .dc-header { padding: 16px 8px 14px; border-radius: 10px; margin-bottom: 12px; }
  .dc-header-icon { font-size: 1.5rem; margin-bottom: 6px; }
  .dc-title { font-size: 1rem !important; }
  .dc-subtitle { font-size: 0.7rem; margin-bottom: 10px; }
  .dc-badges { gap: 3px; }
  .dc-badge { font-size: 0.55rem; padding: 2px 5px; }
  .dc-mca-badge { font-size: 0.54rem; padding: 2px 6px; }

  /* Panels minimal padding */
  .dc-input-panel,
  .dc-results-panel { padding: 12px 8px; border-radius: 10px; }

  /* Mode bar */
  .dc-mode-btn { padding: 7px 8px; font-size: 0.68rem; }

  /* Debt block */
  .dc-debt-block { padding: 8px 6px; }
  .dc-debt-lbl { font-size: 0.6rem; padding: 2px 6px; }

  /* Net hero */
  .dc-net-hero { padding: 14px 8px 12px; border-radius: 10px; }
  .dc-net-value { font-size: 1.5rem; }
  .dc-net-eyebrow { font-size: 0.55rem; }
  .dc-net-sub { font-size: 0.62rem; }
  .dc-net-pill { font-size: 0.58rem; padding: 2px 6px; }

  /* Verdict */
  .dc-verdict { font-size: 0.7rem; padding: 7px 8px; }

  /* Cashflow */
  .dc-cashflow { padding: 10px 8px; border-radius: 10px; }
  .dc-cf-num { font-size: 1rem; }
  .dc-cf-lbl { font-size: 0.55rem; }
  .dc-cf-saved-num { font-size: 0.9rem; }
  .dc-cf-saved-lbl { font-size: 0.6rem; }

  /* Stats */
  .dc-stat { padding: 8px; border-radius: 8px; }
  .dc-stat-label { font-size: 0.56rem; }
  .dc-stat-value { font-size: 0.88rem; }

  /* Breakeven */
  .dc-breakeven { padding: 10px 8px; }
  .dc-be-hero { font-size: 1rem; }
  .dc-be-sub { font-size: 0.66rem; }
  .dc-be-bar-val { font-size: 0.58rem; }

  /* Breakdown */
  .dc-bd-row { padding: 6px 8px; font-size: 0.7rem; }
  .dc-bd-head { padding: 7px 8px; font-size: 0.6rem; }

  /* Eligibility */
  .dc-elig-row { padding: 5px 6px; font-size: 0.68rem; gap: 5px; }
  .dc-elig-rate { font-size: 0.62rem; }
  .dc-elig-status { font-size: 0.6rem; padding: 2px 6px; }

  /* Tax */
  .dc-tax-panel { padding: 10px 8px; }
  .dc-tax-row { font-size: 0.68rem; }
  .dc-tax-title { font-size: 0.62rem; }

  /* Term warn */
  .dc-term-warn { padding: 7px 8px; font-size: 0.68rem; }

  /* Form fields smaller */
  .dc-iw input,.dc-iw select { font-size: 0.76rem; height: 34px; }
  .dc-pre,.dc-suf { font-size: 0.68rem; height: 34px; padding: 0 5px; }
  .dc-sel { font-size: 0.76rem; height: 34px; }
  .dc-field label { font-size: 0.66rem; }
  .dc-field label .h { font-size: 0.58rem; }

  /* Section labels */
  .dc-sec { font-size: 0.58rem; gap: 4px; }

  /* Calc button */
  .dc-calc-btn { padding: 11px; font-size: 0.84rem; }
  .dc-reset-btn { padding: 8px; font-size: 0.7rem; }

  /* Action buttons */
  .dc-pdf-btn,.dc-wa-btn { padding: 9px; font-size: 0.68rem; gap: 5px; }

  /* Add btn */
  .dc-add-btn { padding: 8px; font-size: 0.7rem; }

  /* Amort */
  .dc-amort-head { padding: 7px 8px; font-size: 0.58rem; }
  .dc-amort-toggle { font-size: 0.58rem; }

  /* Chart */
  .dc-chart-wrap { padding: 8px; border-radius: 10px; }
  .dc-chart-title { font-size: 0.6rem; }

  /* Vehicles head */
  .dc-veh-head { font-size: 0.6rem; padding: 7px 8px; }
  .dc-mca-head { font-size: 0.6rem; padding: 7px 8px; }

  /* Tables scroll hint */
  .dc-veh table { min-width: 480px; }
  .dc-mca-table { min-width: 460px; }
  .dc-amort-table { min-width: 360px; }

  /* Disc */
  .dc-disc { font-size: 0.56rem; }

  /* Empty */
  .dc-empty { padding: 20px 8px; }
  .dc-empty-icon { font-size: 1.8rem; }
  .dc-empty p { font-size: 0.72rem; }

  /* Grid gap */
  .dc-grid { gap: 12px; }
}


/* Base variables matching the calculator */
:root {
  --dc-blue:    #002868;
  --dc-charcoal:#1D1D1F;
  --dc-gray:    #5F6368;
  --dc-border:  #E0E4E8;
  --dc-bg:      #F7F9FC;
  --dc-white:   #FFFFFF;
  --dc-red:     #BF0A30;
  --dc-green:   #00875A;
  --dc-amber:   #D97706;
  --dc-purple:  #7C3AED;
  --dc-teal:    #0891B2;
  --dc-orange:  #EA580C;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Inter', sans-serif; background: #F7F9FC; padding: 20px; }


/* =====================================================
   HOW THIS CALCULATOR WORKS — SECTION CSS
   Matches dc-* styling from Debt Consolidation Calculator
   ===================================================== */

/* ---- CONTAINER ---- */
.dc-how-section {
  max-width: 1180px; margin: 48px auto 0; padding: 0; overflow-x: hidden;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dc-how-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 28px;
  position: relative; overflow: hidden;
}
.dc-how-header::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
              radial-gradient(ellipse at 85% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-how-header::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.dc-how-header-icon { font-size: 2.6rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.dc-how-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important; font-weight: 800 !important;
  color: #fff !important; margin: 0 0 10px !important; line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.dc-how-subtitle {
  font-size: 0.87rem; color: rgba(255,255,255,0.72);
  max-width: 780px; margin: 0 auto 22px; line-height: 1.65; position: relative; z-index: 1;
}
.dc-how-badges { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
.dc-how-badge {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
}

/* ---- OVERVIEW BOX ---- */
.dc-how-overview {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--dc-bg, #F7F9FC); border: 1.5px solid var(--dc-border, #E0E4E8);
  border-left: 4px solid var(--dc-blue, #002868);
  border-radius: 12px; padding: 18px 20px; margin-bottom: 28px;
  font-size: 0.88rem; line-height: 1.7; color: var(--dc-charcoal, #1D1D1F);
}
.dc-how-overview-icon { font-size: 1.8rem; flex-shrink: 0; }
.dc-how-overview-text strong { color: var(--dc-blue, #002868); }

/* ---- STEPS ---- */
.dc-how-steps { display: grid; gap: 28px; margin-bottom: 32px; }
.dc-how-step {
  background: var(--dc-white, #FFFFFF); border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 16px; padding: 28px 28px 24px 28px;
  position: relative; transition: box-shadow 0.25s, border-color 0.25s;
}
.dc-how-step:hover {
  box-shadow: 0 8px 28px rgba(0,40,104,0.1);
  border-color: rgba(0,40,104,0.25);
}
.dc-how-step-num {
  position: absolute; top: -16px; left: 24px;
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--dc-blue, #002868), #001a4d);
  color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 1.2rem; font-weight: 800;
  box-shadow: 0 4px 12px rgba(0,40,104,0.35); border: 3px solid var(--dc-white, #fff);
}
.dc-how-step-content { padding-top: 10px; }
.dc-how-step-content h3 {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: clamp(1rem, 2vw, 1.25rem); font-weight: 800;
  color: var(--dc-charcoal, #1D1D1F); margin: 0 0 12px; line-height: 1.3;
}
.dc-how-step-content p {
  font-size: 0.88rem; color: var(--dc-charcoal, #1D1D1F);
  line-height: 1.75; margin: 0 0 14px;
}
.dc-how-step-content ul {
  list-style: none; padding: 0; margin: 0 0 16px;
}
.dc-how-step-content ul li {
  padding: 6px 0 6px 22px; position: relative;
  font-size: 0.86rem; line-height: 1.7; color: var(--dc-charcoal, #1D1D1F);
}
.dc-how-step-content ul li::before {
  content: '✦'; position: absolute; left: 0; color: var(--dc-blue, #002868);
  font-size: 0.75rem; font-weight: 900; top: 8px;
}
.dc-how-step-content ul li strong { color: var(--dc-charcoal, #1D1D1F); font-weight: 700; }

/* ---- EXAMPLE BOX ---- */
.dc-how-example {
  background: linear-gradient(135deg, #F0F9FF 0%, #E0F2FE 100%);
  border-left: 4px solid var(--dc-blue, #002868);
  padding: 14px 18px; border-radius: 10px; margin-top: 16px;
  font-size: 0.84rem; line-height: 1.7; color: var(--dc-charcoal, #1D1D1F);
}
.dc-how-example strong { color: var(--dc-blue, #002868); display: block; margin-bottom: 4px; }

/* ---- FORMULA BOX ---- */
.dc-how-formula {
  background: var(--dc-bg, #F7F9FC); border: 1.5px solid var(--dc-border, #E0E4E8);
  border-radius: 10px; padding: 14px 18px; margin-top: 14px;
}
.dc-how-formula strong {
  display: block; font-size: 0.78rem; font-weight: 700; color: var(--dc-blue, #002868);
  margin-bottom: 8px; letter-spacing: 0.02em;
}
.dc-how-formula code {
  display: block; font-family: 'Courier New', monospace;
  font-size: 0.84rem; color: var(--dc-blue, #002868); font-weight: 600;
  background: var(--dc-white, #fff); padding: 8px 12px; border-radius: 6px;
  margin-bottom: 6px; border: 1px solid var(--dc-border, #E0E4E8);
  overflow-x: auto; word-break: break-word; white-space: pre-wrap;
}
.dc-how-formula-note {
  display: block; font-size: 0.78rem; color: var(--dc-gray, #5F6368);
  margin-top: 6px; line-height: 1.55;
}

/* ---- WARNING BOX ---- */
.dc-how-warning {
  display: flex; gap: 12px; align-items: flex-start;
  background: #FFF5F0; border: 1.5px solid rgba(234,88,12,0.3);
  border-left: 4px solid var(--dc-orange, #EA580C);
  border-radius: 10px; padding: 14px 18px; margin-top: 18px;
  font-size: 0.84rem; line-height: 1.7;
}
.dc-how-warning span { font-size: 1.3rem; flex-shrink: 0; }
.dc-how-warning strong { color: var(--dc-orange, #EA580C); }

/* ---- INPUT ITEMS GRID ---- */
.dc-how-inputs-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 14px 0;
}
.dc-how-input-item {
  display: flex; align-items: flex-start; gap: 10px;
  background: var(--dc-bg, #F7F9FC); border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px; padding: 12px 14px; transition: all 0.2s;
}
.dc-how-input-item:hover {
  background: #EFF6FF; border-color: rgba(0,40,104,0.2);
  transform: translateX(3px);
}
.dc-how-input-icon { font-size: 1.3rem; flex-shrink: 0; line-height: 1; margin-top: 2px; }
.dc-how-input-item strong { display: block; font-size: 0.8rem; color: var(--dc-charcoal, #1D1D1F); font-weight: 700; margin-bottom: 2px; }
.dc-how-input-item p { font-size: 0.76rem; color: var(--dc-gray, #5F6368); line-height: 1.5; margin: 0; }

/* ---- VEHICLE TABLE ---- */
.dc-how-vehicle-table {
  background: var(--dc-white, #fff); border: 1.5px solid var(--dc-border, #E0E4E8);
  border-radius: 12px; overflow: hidden; margin: 18px 0;
}
.dc-how-vt-head {
  background: linear-gradient(135deg, #001030, var(--dc-blue, #002868));
  color: #fff; font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em;
  text-transform: uppercase; padding: 12px 16px;
}
.dc-how-vehicle-table table { width: 100%; border-collapse: collapse; }
.dc-how-vehicle-table thead { background: var(--dc-bg, #F7F9FC); }
.dc-how-vehicle-table th {
  font-size: 0.7rem; font-weight: 700; color: var(--dc-gray, #5F6368);
  text-transform: uppercase; letter-spacing: 0.06em;
  padding: 10px 14px; text-align: left; border-bottom: 1.5px solid var(--dc-border, #E0E4E8);
}
.dc-how-vehicle-table td {
  font-size: 0.82rem; color: var(--dc-charcoal, #1D1D1F);
  padding: 10px 14px; border-bottom: 1px solid var(--dc-border, #E0E4E8);
}
.dc-how-vehicle-table tbody tr:hover { background: #F0F9FF; }
.dc-how-vehicle-table td strong { color: var(--dc-blue, #002868); }

/* ---- CALCULATION FLOW ---- */
.dc-how-calc-flow { display: grid; gap: 12px; margin: 14px 0; }
.dc-how-calc-item {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--dc-bg, #F7F9FC); border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 12px; padding: 16px; transition: all 0.2s;
}
.dc-how-calc-item:hover { border-color: rgba(0,40,104,0.2); box-shadow: 0 2px 10px rgba(0,40,104,0.06); }
.dc-how-calc-label {
  width: 32px; height: 32px; flex-shrink: 0;
  background: var(--dc-blue, #002868); color: #fff;
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 800;
}
.dc-how-calc-item strong { display: block; font-size: 0.84rem; color: var(--dc-charcoal, #1D1D1F); font-weight: 700; margin-bottom: 4px; }
.dc-how-calc-item code {
  display: block; font-family: 'Courier New', monospace;
  font-size: 0.8rem; color: var(--dc-blue, #002868); font-weight: 600;
  background: var(--dc-white, #fff); padding: 6px 10px; border-radius: 6px;
  margin: 6px 0; border: 1px solid var(--dc-border, #E0E4E8);
  overflow-x: auto; word-break: break-word; white-space: pre-wrap;
}
.dc-how-calc-item p { font-size: 0.8rem; color: var(--dc-gray, #5F6368); line-height: 1.6; margin: 4px 0 0; }

/* ---- RESULTS GRID ---- */
.dc-how-results-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 16px 0;
}
.dc-how-result-card {
  background: var(--dc-bg, #F7F9FC); border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 12px; padding: 16px; transition: all 0.25s;
}
.dc-how-result-card:hover { transform: translateY(-3px); box-shadow: 0 6px 20px rgba(0,40,104,0.1); }
.dc-how-rc-icon { font-size: 1.5rem; margin-bottom: 6px; display: block; }
.dc-how-result-card strong { display: block; font-size: 0.82rem; color: var(--dc-charcoal, #1D1D1F); font-weight: 700; margin-bottom: 4px; }
.dc-how-result-card p { font-size: 0.76rem; color: var(--dc-gray, #5F6368); line-height: 1.55; margin: 0; }
.dc-how-result-card.blue { border-left: 3px solid var(--dc-blue, #002868); }
.dc-how-result-card.green { border-left: 3px solid var(--dc-green, #00875A); }
.dc-how-result-card.teal { border-left: 3px solid var(--dc-teal, #0891B2); }
.dc-how-result-card.amber { border-left: 3px solid var(--dc-amber, #D97706); }
.dc-how-result-card.red { border-left: 3px solid var(--dc-red, #BF0A30); }
.dc-how-result-card.purple { border-left: 3px solid var(--dc-purple, #7C3AED); }

/* ---- ACTIONS GRID ---- */
.dc-how-actions-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; margin: 14px 0; }
.dc-how-action {
  display: flex; gap: 10px; align-items: flex-start;
  background: var(--dc-bg, #F7F9FC); border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px; padding: 14px; text-align: left; transition: all 0.2s;
}
.dc-how-action:hover { background: #EFF6FF; border-color: rgba(0,40,104,0.2); transform: translateY(-2px); }
.dc-how-action span { font-size: 1.5rem; flex-shrink: 0; }
.dc-how-action strong { display: block; font-size: 0.8rem; color: var(--dc-charcoal, #1D1D1F); font-weight: 700; margin-bottom: 3px; }
.dc-how-action p { font-size: 0.76rem; color: var(--dc-gray, #5F6368); line-height: 1.5; margin: 0; }

/* ---- DETAIL BOX (BREAK-EVEN) ---- */
.dc-how-detail-box {
  background: var(--dc-white, #fff); border: 1.5px solid var(--dc-border, #E0E4E8);
  border-radius: 16px; padding: 24px; margin-bottom: 24px;
}
.dc-how-detail-head {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 1rem; font-weight: 800; color: var(--dc-charcoal, #1D1D1F);
  margin-bottom: 12px;
}
.dc-how-detail-box > p { font-size: 0.86rem; color: var(--dc-charcoal, #1D1D1F); line-height: 1.7; margin: 0 0 16px; }

.dc-how-be-example { background: var(--dc-bg, #F7F9FC); border-radius: 10px; overflow: hidden; }
.dc-how-be-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 16px; font-size: 0.84rem; border-bottom: 1px solid var(--dc-border, #E0E4E8);
}
.dc-how-be-row:last-child { border-bottom: none; }
.dc-how-be-label { color: var(--dc-charcoal, #1D1D1F); }
.dc-how-be-value { font-weight: 700; font-family: 'Montserrat','Inter',sans-serif; }
.dc-how-be-value.green { color: var(--dc-green, #00875A); }
.dc-how-be-value.red { color: var(--dc-red, #BF0A30); }
.dc-how-be-row.total { background: var(--dc-white, #fff); }
.dc-how-be-row.result {
  background: linear-gradient(135deg, #001030, var(--dc-blue, #002868));
  color: #fff;
}
.dc-how-be-row.result .dc-how-be-label strong,
.dc-how-be-row.result .dc-how-be-value strong { color: #4ade80; }

/* ---- ACCURACY NOTE ---- */
.dc-how-accuracy {
  display: flex; gap: 14px; align-items: flex-start;
  background: linear-gradient(135deg, #F0FDF4 0%, #DCFCE7 100%);
  border: 1.5px solid rgba(0,135,90,0.2); border-left: 4px solid var(--dc-green, #00875A);
  border-radius: 12px; padding: 18px 20px; margin-bottom: 12px;
}
.dc-how-accuracy-icon { font-size: 1.8rem; flex-shrink: 0; }
.dc-how-accuracy strong { display: block; font-size: 0.88rem; color: var(--dc-charcoal, #1D1D1F); font-weight: 800; margin-bottom: 6px; }
.dc-how-accuracy p { font-size: 0.82rem; color: var(--dc-charcoal, #1D1D1F); line-height: 1.7; margin: 0; }

/* ---- RESPONSIVE ---- */

/* == TABLET (max-width: 900px) == */
@media (max-width: 900px) {
  .dc-how-section { padding: 0 10px; }
  .dc-how-header { padding: 30px 20px 24px; }
  .dc-how-inputs-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .dc-how-results-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .dc-how-actions-grid { grid-template-columns: 1fr 1fr 1fr; gap: 10px; }
  .dc-how-step { padding: 26px 22px 22px; }
}

/* == SMALL TABLET / LARGE PHONE (max-width: 768px) == */
@media (max-width: 768px) {
  .dc-how-section { padding: 0 8px; margin-top: 32px; }

  /* Header */
  .dc-how-header { padding: 24px 16px 20px; border-radius: 14px; margin-bottom: 22px; }
  .dc-how-header-icon { font-size: 2rem; margin-bottom: 8px; }
  .dc-how-title { font-size: 1.25rem !important; }
  .dc-how-subtitle { font-size: 0.8rem; margin-bottom: 16px; line-height: 1.55; }
  .dc-how-badges { gap: 6px; }
  .dc-how-badge { font-size: 0.64rem; padding: 3px 9px; }

  /* Overview / Warning / Accuracy — stack icon+text vertically */
  .dc-how-overview { flex-direction: column; gap: 8px; padding: 14px 16px; margin-bottom: 22px; }
  .dc-how-overview-icon { font-size: 1.5rem; }
  .dc-how-overview-text { font-size: 0.84rem; line-height: 1.65; }
  .dc-how-warning { flex-direction: column; gap: 8px; padding: 12px 14px; }
  .dc-how-warning span { font-size: 1.1rem; }
  .dc-how-accuracy { flex-direction: column; gap: 8px; padding: 14px 16px; }
  .dc-how-accuracy-icon { font-size: 1.5rem; }

  /* Steps */
  .dc-how-steps { gap: 24px; margin-bottom: 24px; }
  .dc-how-step { padding: 22px 16px 18px; border-radius: 14px; }
  .dc-how-step-num { width: 36px; height: 36px; font-size: 0.95rem; top: -14px; left: 16px; border-width: 2.5px; }
  .dc-how-step-content { padding-top: 6px; }
  .dc-how-step-content h3 { font-size: 1.05rem; margin-bottom: 10px; }
  .dc-how-step-content p { font-size: 0.84rem; line-height: 1.7; margin-bottom: 12px; }
  .dc-how-step-content ul li { font-size: 0.83rem; padding: 5px 0 5px 20px; line-height: 1.65; }

  /* Input items grid — single column */
  .dc-how-inputs-grid { grid-template-columns: 1fr; gap: 8px; }
  .dc-how-input-item { padding: 10px 12px; gap: 8px; }
  .dc-how-input-icon { font-size: 1.15rem; }
  .dc-how-input-item strong { font-size: 0.78rem; }
  .dc-how-input-item p { font-size: 0.74rem; }

  /* Results grid — single column */
  .dc-how-results-grid { grid-template-columns: 1fr; gap: 10px; }
  .dc-how-result-card { padding: 14px; }
  .dc-how-rc-icon { font-size: 1.3rem; margin-bottom: 4px; }
  .dc-how-result-card strong { font-size: 0.8rem; }
  .dc-how-result-card p { font-size: 0.74rem; }

  /* Actions grid — single column */
  .dc-how-actions-grid { grid-template-columns: 1fr; gap: 8px; }
  .dc-how-action { padding: 12px; gap: 8px; }
  .dc-how-action span { font-size: 1.3rem; }
  .dc-how-action strong { font-size: 0.78rem; }
  .dc-how-action p { font-size: 0.74rem; }

  /* Vehicle table — horizontal scroll */
  .dc-how-vehicle-table { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 14px 0; }
  .dc-how-vehicle-table table { min-width: 520px; }
  .dc-how-vt-head { font-size: 0.72rem; padding: 10px 14px; }

  /* Calculation flow items */
  .dc-how-calc-flow { gap: 10px; }
  .dc-how-calc-item { flex-direction: column; gap: 8px; padding: 14px; }
  .dc-how-calc-label { width: 28px; height: 28px; font-size: 0.72rem; border-radius: 6px; }
  .dc-how-calc-item strong { font-size: 0.82rem; }
  .dc-how-calc-item code { font-size: 0.75rem; padding: 6px 8px; word-break: break-all; white-space: pre-wrap; }
  .dc-how-calc-item p { font-size: 0.78rem; }

  /* Formula boxes */
  .dc-how-formula { padding: 12px 14px; margin-top: 12px; }
  .dc-how-formula strong { font-size: 0.74rem; }
  .dc-how-formula code { font-size: 0.76rem; padding: 6px 10px; word-break: break-all; white-space: pre-wrap; }
  .dc-how-formula-note { font-size: 0.74rem; }

  /* Example boxes */
  .dc-how-example { padding: 12px 14px; margin-top: 12px; font-size: 0.82rem; }

  /* Detail box (Break-Even) */
  .dc-how-detail-box { padding: 18px 14px; margin-bottom: 20px; border-radius: 14px; }
  .dc-how-detail-head { font-size: 0.95rem; }
  .dc-how-detail-box > p { font-size: 0.82rem; }
  .dc-how-be-row { padding: 10px 12px; font-size: 0.8rem; }
  .dc-how-be-label { font-size: 0.78rem; }
  .dc-how-be-value { font-size: 0.82rem; }
}

/* == PHONE (max-width: 480px) == */
@media (max-width: 480px) {
  .dc-how-section { padding: 0 4px; margin-top: 24px; }

  /* Header */
  .dc-how-header { padding: 20px 12px 16px; border-radius: 12px; margin-bottom: 18px; }
  .dc-how-header-icon { font-size: 1.7rem; margin-bottom: 6px; }
  .dc-how-title { font-size: 1.1rem !important; line-height: 1.25 !important; }
  .dc-how-subtitle { font-size: 0.76rem; margin-bottom: 14px; line-height: 1.5; }
  .dc-how-badges { gap: 4px; }
  .dc-how-badge { font-size: 0.58rem; padding: 2px 7px; letter-spacing: 0.01em; }

  /* Overview / Warning / Accuracy */
  .dc-how-overview { padding: 12px 12px; border-left-width: 3px; border-radius: 10px; gap: 6px; margin-bottom: 18px; }
  .dc-how-overview-icon { font-size: 1.3rem; }
  .dc-how-overview-text { font-size: 0.8rem; line-height: 1.6; }
  .dc-how-warning { padding: 10px 12px; border-left-width: 3px; }
  .dc-how-warning span { font-size: 1rem; }
  .dc-how-warning div { font-size: 0.8rem; line-height: 1.6; }
  .dc-how-accuracy { padding: 12px 12px; border-left-width: 3px; border-radius: 10px; gap: 6px; }
  .dc-how-accuracy-icon { font-size: 1.3rem; }
  .dc-how-accuracy strong { font-size: 0.82rem; }
  .dc-how-accuracy p { font-size: 0.78rem; line-height: 1.6; }

  /* Steps */
  .dc-how-steps { gap: 20px; margin-bottom: 20px; }
  .dc-how-step { padding: 18px 12px 14px; border-radius: 12px; }
  .dc-how-step-num { width: 32px; height: 32px; font-size: 0.85rem; top: -12px; left: 12px; border-width: 2px; box-shadow: 0 3px 8px rgba(0,40,104,0.3); }
  .dc-how-step-content { padding-top: 4px; }
  .dc-how-step-content h3 { font-size: 0.95rem; margin-bottom: 8px; }
  .dc-how-step-content p { font-size: 0.8rem; line-height: 1.65; margin-bottom: 10px; }
  .dc-how-step-content ul { margin-bottom: 12px; }
  .dc-how-step-content ul li { font-size: 0.8rem; padding: 4px 0 4px 18px; line-height: 1.6; }
  .dc-how-step-content ul li::before { font-size: 0.65rem; top: 6px; }

  /* Input items */
  .dc-how-inputs-grid { gap: 6px; margin: 10px 0; }
  .dc-how-input-item { padding: 8px 10px; gap: 8px; border-radius: 8px; }
  .dc-how-input-icon { font-size: 1rem; }
  .dc-how-input-item strong { font-size: 0.75rem; }
  .dc-how-input-item p { font-size: 0.72rem; line-height: 1.45; }

  /* Results grid */
  .dc-how-results-grid { gap: 8px; margin: 12px 0; }
  .dc-how-result-card { padding: 12px; border-radius: 10px; }
  .dc-how-rc-icon { font-size: 1.15rem; margin-bottom: 3px; }
  .dc-how-result-card strong { font-size: 0.78rem; }
  .dc-how-result-card p { font-size: 0.72rem; line-height: 1.5; }

  /* Actions grid */
  .dc-how-actions-grid { gap: 6px; margin: 10px 0; }
  .dc-how-action { padding: 10px; gap: 8px; border-radius: 8px; }
  .dc-how-action span { font-size: 1.15rem; }
  .dc-how-action strong { font-size: 0.75rem; }
  .dc-how-action p { font-size: 0.72rem; }

  /* Vehicle table */
  .dc-how-vehicle-table { margin: 12px 0; border-radius: 10px; }
  .dc-how-vt-head { font-size: 0.68rem; padding: 8px 12px; letter-spacing: 0.04em; }
  .dc-how-vehicle-table th { font-size: 0.65rem; padding: 8px 8px; }
  .dc-how-vehicle-table td { font-size: 0.74rem; padding: 8px 8px; }

  /* Calculation flow */
  .dc-how-calc-flow { gap: 8px; margin: 10px 0; }
  .dc-how-calc-item { padding: 12px; gap: 6px; border-radius: 10px; }
  .dc-how-calc-label { width: 26px; height: 26px; font-size: 0.68rem; border-radius: 5px; }
  .dc-how-calc-item strong { font-size: 0.8rem; }
  .dc-how-calc-item code { font-size: 0.7rem; padding: 5px 8px; border-radius: 5px; }
  .dc-how-calc-item p { font-size: 0.75rem; line-height: 1.55; }

  /* Formula boxes */
  .dc-how-formula { padding: 10px 12px; margin-top: 10px; border-radius: 8px; }
  .dc-how-formula strong { font-size: 0.72rem; margin-bottom: 6px; }
  .dc-how-formula code { font-size: 0.7rem; padding: 5px 8px; border-radius: 5px; }
  .dc-how-formula-note { font-size: 0.72rem; }

  /* Example boxes */
  .dc-how-example { padding: 10px 12px; margin-top: 10px; font-size: 0.78rem; border-radius: 8px; border-left-width: 3px; line-height: 1.6; }

  /* Detail box (Break-Even) */
  .dc-how-detail-box { padding: 14px 12px; margin-bottom: 18px; border-radius: 12px; }
  .dc-how-detail-head { font-size: 0.9rem; margin-bottom: 10px; }
  .dc-how-detail-box > p { font-size: 0.78rem; line-height: 1.6; }
  .dc-how-be-example { border-radius: 8px; }
  .dc-how-be-row { padding: 8px 10px; font-size: 0.78rem; }
  .dc-how-be-row.result { padding: 10px; }
  .dc-how-be-label { font-size: 0.75rem; }
  .dc-how-be-value { font-size: 0.78rem; }
}

/* == ULTRA-NARROW PHONES (max-width: 360px) — iPhone SE, Galaxy A series == */
@media (max-width: 360px) {
  .dc-how-section { padding: 0 2px; margin-top: 20px; }

  /* Header */
  .dc-how-header { padding: 16px 10px 14px; border-radius: 10px; margin-bottom: 14px; }
  .dc-how-header-icon { font-size: 1.4rem; margin-bottom: 4px; }
  .dc-how-title { font-size: 1rem !important; }
  .dc-how-subtitle { font-size: 0.72rem; margin-bottom: 12px; }
  .dc-how-badges { gap: 3px; }
  .dc-how-badge { font-size: 0.54rem; padding: 2px 5px; border-radius: 12px; }

  /* Overview / Warning / Accuracy */
  .dc-how-overview { padding: 10px; }
  .dc-how-overview-text { font-size: 0.76rem; }
  .dc-how-warning { padding: 8px 10px; }
  .dc-how-warning div { font-size: 0.76rem; }
  .dc-how-accuracy { padding: 10px; }
  .dc-how-accuracy p { font-size: 0.74rem; }

  /* Steps */
  .dc-how-steps { gap: 18px; }
  .dc-how-step { padding: 16px 10px 12px; border-radius: 10px; }
  .dc-how-step-num { width: 28px; height: 28px; font-size: 0.78rem; top: -10px; left: 10px; }
  .dc-how-step-content h3 { font-size: 0.88rem; }
  .dc-how-step-content p { font-size: 0.76rem; }
  .dc-how-step-content ul li { font-size: 0.76rem; padding-left: 16px; }

  /* Input items */
  .dc-how-input-item { padding: 7px 8px; }
  .dc-how-input-icon { font-size: 0.9rem; }
  .dc-how-input-item strong { font-size: 0.72rem; }
  .dc-how-input-item p { font-size: 0.68rem; }

  /* Results */
  .dc-how-result-card { padding: 10px; }
  .dc-how-result-card strong { font-size: 0.75rem; }
  .dc-how-result-card p { font-size: 0.7rem; }

  /* Actions */
  .dc-how-action { padding: 8px; }
  .dc-how-action span { font-size: 1rem; }

  /* Vehicle table */
  .dc-how-vehicle-table table { min-width: 480px; }
  .dc-how-vehicle-table th { font-size: 0.6rem; padding: 6px; }
  .dc-how-vehicle-table td { font-size: 0.68rem; padding: 6px; }

  /* Formulas & code */
  .dc-how-formula code { font-size: 0.65rem; }
  .dc-how-calc-item code { font-size: 0.65rem; }

  /* Break-Even */
  .dc-how-detail-box { padding: 12px 10px; }
  .dc-how-detail-head { font-size: 0.85rem; }
  .dc-how-be-row { padding: 7px 8px; }
  .dc-how-be-label { font-size: 0.72rem; }
  .dc-how-be-value { font-size: 0.74rem; }
}


/* ============================================================
   EDUCATIONAL CONTENT SECTION CSS
   Same palette & tokens as the calculator
   ============================================================ */

/* ---- WRAPPER ---- */
.dc-edu-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 0 40px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER (navy gradient, matches calculator header) ---- */
.dc-edu-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dc-edu-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 15% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
    radial-gradient(ellipse at 85% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-edu-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.dc-edu-header-icon {
  font-size: 2.4rem;
  display: block;
  margin-bottom: 10px;
  position: relative;
  z-index: 1;
}
.dc-edu-header h2 {
  font-family: Montserrat, Inter, sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.7rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
  position: relative;
  z-index: 1;
}
.dc-edu-header p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.72);
  max-width: 740px;
  margin: 0 auto;
  line-height: 1.65;
  position: relative;
  z-index: 1;
}
.dc-edu-header-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin-top: 16px;
  position: relative;
  z-index: 1;
}
.dc-edu-hbadge {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem;
  font-weight: 600;
  padding: 4px 11px;
  border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- WHAT IS SECTION ---- */
.dc-edu-card {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 14px;
  padding: 24px 22px;
  margin-bottom: 20px;
}
.dc-edu-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--dc-blue, #002868);
  margin: 0 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--dc-border, #E0E4E8);
  display: flex;
  align-items: center;
  gap: 7px;
}
.dc-edu-body {
  font-size: 0.88rem;
  line-height: 1.72;
  color: var(--dc-charcoal, #1D1D1F);
}
.dc-edu-body p {
  margin: 0 0 14px;
}
.dc-edu-body p:last-child {
  margin-bottom: 0;
}
.dc-edu-body strong {
  color: var(--dc-blue, #002868);
  font-weight: 700;
}

/* ---- GOALS / BENEFITS ROW ---- */
.dc-edu-goals {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 18px;
}
.dc-edu-goal {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 14px 12px;
  text-align: center;
}
.dc-edu-goal-icon {
  font-size: 1.5rem;
  display: block;
  margin-bottom: 6px;
}
.dc-edu-goal-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  line-height: 1.35;
}

/* ---- HOW IT WORKS STEPS ---- */
.dc-edu-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 18px;
}
.dc-edu-step {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 12px;
  padding: 18px 16px;
  position: relative;
}
.dc-edu-step-num {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
  background: var(--dc-blue, #002868);
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 10px;
}
.dc-edu-step h4 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  margin: 0 0 6px;
}
.dc-edu-step p {
  font-size: 0.8rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.6;
  margin: 0;
}

/* ---- PROS / CONS GRID ---- */
.dc-edu-proscons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-top: 18px;
}
.dc-edu-pc-card {
  border-radius: 12px;
  padding: 18px 16px;
}
.dc-edu-pc-card.pros {
  background: #F0FBF6;
  border: 1px solid rgba(0,135,90,0.25);
}
.dc-edu-pc-card.cons {
  background: #FFF5F7;
  border: 1px solid rgba(191,10,48,0.25);
}
.dc-edu-pc-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.dc-edu-pc-card.pros .dc-edu-pc-title { color: var(--dc-green, #00875A); }
.dc-edu-pc-card.cons .dc-edu-pc-title { color: var(--dc-red, #BF0A30); }
.dc-edu-pc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.dc-edu-pc-list li {
  font-size: 0.8rem;
  line-height: 1.55;
  padding: 5px 0;
  color: var(--dc-charcoal, #1D1D1F);
  display: flex;
  align-items: flex-start;
  gap: 7px;
}
.dc-edu-pc-list li::before {
  flex-shrink: 0;
  font-size: 0.75rem;
  margin-top: 1px;
}
.dc-edu-pc-card.pros .dc-edu-pc-list li::before { content: '✅'; }
.dc-edu-pc-card.cons .dc-edu-pc-list li::before { content: '⚠️'; }

/* ---- GLOSSARY SECTION ---- */
.dc-edu-gloss-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.dc-edu-term {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 14px 16px;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.dc-edu-term:hover {
  border-color: var(--dc-blue, #002868);
  box-shadow: 0 2px 12px rgba(0,40,104,0.08);
}
.dc-edu-term-head {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 6px;
}
.dc-edu-term-icon {
  width: 28px;
  height: 28px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.dc-edu-term-icon.blue   { background: rgba(0,40,104,0.1); }
.dc-edu-term-icon.green  { background: rgba(0,135,90,0.1); }
.dc-edu-term-icon.red    { background: rgba(191,10,48,0.1); }
.dc-edu-term-icon.amber  { background: rgba(217,119,6,0.1); }
.dc-edu-term-icon.purple { background: rgba(124,58,237,0.1); }
.dc-edu-term-icon.teal   { background: rgba(8,145,178,0.1); }
.dc-edu-term-icon.orange { background: rgba(234,88,12,0.1); }

.dc-edu-term-name {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
}
.dc-edu-term-tag {
  margin-left: auto;
  font-size: 0.6rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 10px;
  letter-spacing: 0.03em;
  white-space: nowrap;
}
.dc-edu-term-tag.consumer { background: rgba(0,40,104,0.1); color: var(--dc-blue, #002868); }
.dc-edu-term-tag.business { background: rgba(234,88,12,0.12); color: var(--dc-orange, #EA580C); }
.dc-edu-term-tag.both     { background: rgba(0,135,90,0.1); color: var(--dc-green, #00875A); }

.dc-edu-term-def {
  font-size: 0.78rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.6;
  margin: 0;
}
.dc-edu-term-def strong {
  color: var(--dc-charcoal, #1D1D1F);
  font-weight: 600;
}

/* ---- MCA CALLOUT ---- */
.dc-edu-mca-callout {
  background: linear-gradient(135deg, #7C2D12, #C2410C);
  border-radius: 14px;
  padding: 20px 22px;
  margin-top: 12px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.dc-edu-mca-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.dc-edu-mca-callout h4 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: #fb923c;
  margin: 0 0 4px;
  letter-spacing: 0.03em;
}
.dc-edu-mca-callout p {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.6;
  margin: 0;
}
.dc-edu-mca-example {
  background: rgba(0,0,0,0.2);
  border-radius: 8px;
  padding: 10px 12px;
  margin-top: 10px;
  font-family: 'Courier New', monospace;
  font-size: 0.75rem;
  color: #fde68a;
  line-height: 1.65;
}

/* ---- IMPORTANT NOTES ---- */
.dc-edu-notes {
  background: #FFFBEB;
  border: 1px solid rgba(217,119,6,0.25);
  border-radius: 12px;
  padding: 16px 18px;
  margin-top: 20px;
}
.dc-edu-notes-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--dc-amber, #D97706);
  margin: 0 0 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.dc-edu-notes-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.dc-edu-notes-list li {
  font-size: 0.8rem;
  line-height: 1.6;
  padding: 5px 0;
  color: var(--dc-charcoal, #1D1D1F);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.dc-edu-notes-list li .note-icon {
  flex-shrink: 0;
  margin-top: 1px;
}

/* ---- DISCLAIMER ---- */
.dc-edu-disc {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  text-align: center;
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid var(--dc-border, #E0E4E8);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .dc-edu-gloss-grid { grid-template-columns: 1fr; }
  .dc-edu-goals { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .dc-edu-header { padding: 28px 18px 22px; }
  .dc-edu-card { padding: 20px 16px; }
  .dc-edu-steps { grid-template-columns: 1fr; }
  .dc-edu-proscons { grid-template-columns: 1fr; }
  .dc-edu-goals { grid-template-columns: 1fr 1fr; }
  .dc-edu-mca-callout { flex-direction: column; gap: 10px; }
}
@media (max-width: 480px) {
  .dc-edu-goals { grid-template-columns: 1fr; }
  .dc-edu-header h2 { font-size: 1.15rem !important; }
}



/* ============================================================
   5 REAL US EXAMPLES CSS
   Same palette & tokens as the calculator
   ============================================================ */

/* ---- WRAPPER ---- */
.dc-ex-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 0 40px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dc-ex-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dc-ex-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 15% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
    radial-gradient(ellipse at 85% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-ex-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.dc-ex-header-icon { font-size: 2.4rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.dc-ex-header h2 {
  font-family: Montserrat, Inter, sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.7rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
  position: relative; z-index: 1;
}
.dc-ex-header p {
  font-size: 0.85rem; color: rgba(255,255,255,0.72);
  max-width: 760px; margin: 0 auto; line-height: 1.65;
  position: relative; z-index: 1;
}
.dc-ex-header-badges {
  display: flex; flex-wrap: wrap; gap: 8px;
  justify-content: center; margin-top: 16px;
  position: relative; z-index: 1;
}
.dc-ex-hbadge {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- EXAMPLE CARD ---- */
.dc-ex-card {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 16px;
  margin-bottom: 22px;
  overflow: hidden;
  transition: box-shadow 0.25s;
}
.dc-ex-card:hover {
  box-shadow: 0 4px 20px rgba(0,40,104,0.07);
}

/* Card Header */
.dc-ex-card-hdr {
  padding: 18px 22px 14px;
  display: flex;
  align-items: center;
  gap: 14px;
  border-bottom: 1px solid var(--dc-border, #E0E4E8);
  flex-wrap: wrap;
}
.dc-ex-num {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: #fff;
  width: 30px; height: 30px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.dc-ex-num.n1 { background: var(--dc-blue, #002868); }
.dc-ex-num.n2 { background: var(--dc-green, #00875A); }
.dc-ex-num.n3 { background: var(--dc-orange, #EA580C); }
.dc-ex-num.n4 { background: var(--dc-teal, #0891B2); }
.dc-ex-num.n5 { background: var(--dc-purple, #7C3AED); }

.dc-ex-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  flex: 1; min-width: 180px;
}
.dc-ex-card-title small {
  display: block;
  font-family: Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--dc-gray, #5F6368);
  margin-top: 2px;
}
.dc-ex-badges {
  display: flex; gap: 6px; flex-wrap: wrap;
  margin-left: auto;
}
.dc-ex-badge {
  font-size: 0.62rem; font-weight: 700;
  padding: 3px 10px; border-radius: 20px;
  letter-spacing: 0.03em; white-space: nowrap;
}
.dc-ex-badge.consumer { background: rgba(0,40,104,0.1); color: var(--dc-blue, #002868); }
.dc-ex-badge.business { background: rgba(234,88,12,0.12); color: var(--dc-orange, #EA580C); }
.dc-ex-badge.vehicle-pl { background: rgba(0,40,104,0.08); color: var(--dc-blue, #002868); }
.dc-ex-badge.vehicle-bt { background: rgba(0,135,90,0.08); color: var(--dc-green, #00875A); }
.dc-ex-badge.vehicle-heloc { background: rgba(8,145,178,0.08); color: var(--dc-teal, #0891B2); }
.dc-ex-badge.vehicle-sba { background: rgba(124,58,237,0.08); color: var(--dc-purple, #7C3AED); }
.dc-ex-badge.vehicle-biz { background: rgba(234,88,12,0.08); color: var(--dc-orange, #EA580C); }

/* Card Body */
.dc-ex-card-body { padding: 20px 22px; }

/* Scenario Blurb */
.dc-ex-scenario {
  font-size: 0.84rem;
  color: var(--dc-charcoal, #1D1D1F);
  line-height: 1.7;
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--dc-bg, #F7F9FC);
}
.dc-ex-scenario strong { color: var(--dc-blue, #002868); }

/* Before / After Grid */
.dc-ex-compare {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 0;
  margin-bottom: 18px;
}
.dc-ex-col {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 12px;
  padding: 16px 14px;
}
.dc-ex-col.before { border-color: rgba(191,10,48,0.2); background: #FFF5F7; }
.dc-ex-col.after  { border-color: rgba(0,135,90,0.2);  background: #F0FBF6; }
.dc-ex-col-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.62rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 10px; display: flex; align-items: center; gap: 5px;
}
.dc-ex-col.before .dc-ex-col-label { color: var(--dc-red, #BF0A30); }
.dc-ex-col.after .dc-ex-col-label  { color: var(--dc-green, #00875A); }

.dc-ex-arrow {
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; color: var(--dc-gray, #5F6368);
  padding: 0 10px;
}

.dc-ex-row {
  display: flex; justify-content: space-between;
  padding: 4px 0;
  font-size: 0.78rem;
  line-height: 1.5;
}
.dc-ex-row-lbl { color: var(--dc-gray, #5F6368); font-weight: 500; }
.dc-ex-row-val { font-family: Montserrat, Inter, sans-serif; font-weight: 700; color: var(--dc-charcoal, #1D1D1F); }
.dc-ex-col.before .dc-ex-row-val.rate { color: var(--dc-red, #BF0A30); }
.dc-ex-col.after .dc-ex-row-val.rate  { color: var(--dc-green, #00875A); }

/* Results Stats */
.dc-ex-results {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-bottom: 16px;
}
.dc-ex-stat {
  border-radius: 10px;
  padding: 12px 10px;
  text-align: center;
  border: 1px solid;
}
.dc-ex-stat.green  { background: #F0FBF6; border-color: rgba(0,135,90,0.25); }
.dc-ex-stat.red    { background: #FFF5F7; border-color: rgba(191,10,48,0.25); }
.dc-ex-stat.amber  { background: #FFFBEB; border-color: rgba(217,119,6,0.25); }
.dc-ex-stat.teal   { background: #F0F9FF; border-color: rgba(8,145,178,0.25); }
.dc-ex-stat.purple { background: #F5F3FF; border-color: rgba(124,58,237,0.25); }

.dc-ex-stat-label {
  font-size: 0.6rem; font-weight: 600;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--dc-gray, #5F6368);
  margin-bottom: 4px;
}
.dc-ex-stat-val {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1rem; font-weight: 800;
}
.dc-ex-stat.green .dc-ex-stat-val  { color: var(--dc-green, #00875A); }
.dc-ex-stat.red .dc-ex-stat-val    { color: var(--dc-red, #BF0A30); }
.dc-ex-stat.amber .dc-ex-stat-val  { color: var(--dc-amber, #D97706); }
.dc-ex-stat.teal .dc-ex-stat-val   { color: var(--dc-teal, #0891B2); }
.dc-ex-stat.purple .dc-ex-stat-val { color: var(--dc-purple, #7C3AED); }

/* Verdict */
.dc-ex-verdict {
  border-radius: 10px;
  padding: 12px 14px;
  display: flex; align-items: center; gap: 10px;
  font-size: 0.8rem; line-height: 1.55;
}
.dc-ex-verdict.yes     { background: #F0FBF6; border: 1px solid rgba(0,135,90,0.25); }
.dc-ex-verdict.caution { background: #FFFBEB; border: 1px solid rgba(217,119,6,0.25); }
.dc-ex-verdict.no      { background: #FFF5F7; border: 1px solid rgba(191,10,48,0.25); }
.dc-ex-verdict-icon { font-size: 1.3rem; flex-shrink: 0; }
.dc-ex-verdict strong { font-weight: 700; display: block; margin-bottom: 2px; }

/* Debts List (before column) */
.dc-ex-debts-list {
  list-style: none; padding: 0; margin: 8px 0 0;
}
.dc-ex-debts-list li {
  font-size: 0.74rem;
  color: var(--dc-charcoal, #1D1D1F);
  padding: 4px 0;
  display: flex; align-items: center; gap: 6px;
  border-bottom: 1px solid rgba(191,10,48,0.08);
  line-height: 1.45;
}
.dc-ex-debts-list li:last-child { border-bottom: none; }
.dc-ex-debt-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  flex-shrink: 0;
}
.dc-ex-debt-dot.cc  { background: var(--dc-red, #BF0A30); }
.dc-ex-debt-dot.pl  { background: var(--dc-blue, #002868); }
.dc-ex-debt-dot.med { background: var(--dc-amber, #D97706); }
.dc-ex-debt-dot.mca { background: var(--dc-orange, #EA580C); }
.dc-ex-debt-dot.biz { background: var(--dc-purple, #7C3AED); }
.dc-ex-debt-dot.loc { background: var(--dc-teal, #0891B2); }
.dc-ex-debt-dot.auto { background: var(--dc-green, #00875A); }

/* Key Takeaway */
.dc-ex-takeaway {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 12px 14px;
  margin-top: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.78rem;
  line-height: 1.6;
  color: var(--dc-charcoal, #1D1D1F);
}
.dc-ex-takeaway-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }
.dc-ex-takeaway strong { color: var(--dc-blue, #002868); }

/* ---- CTA ---- */
.dc-ex-cta {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 100%);
  border-radius: 14px;
  padding: 24px 22px;
  text-align: center;
  margin-top: 8px;
  position: relative;
  overflow: hidden;
}
.dc-ex-cta::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.dc-ex-cta p {
  font-size: 0.88rem; color: rgba(255,255,255,0.85);
  margin: 0 0 14px; line-height: 1.6;
  position: relative; z-index: 1;
}
.dc-ex-cta strong { color: #4ade80; }
.dc-ex-cta-btn {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.88rem; font-weight: 800;
  color: var(--dc-blue, #002868);
  background: #fff;
  border: none; border-radius: 10px;
  padding: 12px 32px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
  position: relative; z-index: 1;
}
.dc-ex-cta-btn:hover {
  background: #f0f0f0;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,0,0,0.2);
}

/* ---- DISCLAIMER ---- */
.dc-ex-disc {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  text-align: center;
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid var(--dc-border, #E0E4E8);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .dc-ex-results { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .dc-ex-header { padding: 28px 18px 22px; }
  .dc-ex-card-body { padding: 18px 16px; }
  .dc-ex-card-hdr { padding: 14px 16px 12px; }
  .dc-ex-compare { grid-template-columns: 1fr; gap: 0; }
  .dc-ex-arrow { transform: rotate(90deg); padding: 8px 0; }
  .dc-ex-badges { margin-left: 0; margin-top: 4px; }
}
@media (max-width: 480px) {
  .dc-ex-results { grid-template-columns: 1fr 1fr; }
  .dc-ex-header h2 { font-size: 1.15rem !important; }
  .dc-ex-stat-val { font-size: 0.88rem; }
}
/* ============================================================
   5 PRO TIPS CSS
   Same palette & tokens as the calculator
   ============================================================ */

.dc-tips-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 0 40px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dc-tips-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dc-tips-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-tips-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.dc-tips-header-icon { font-size: 2.4rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.dc-tips-header h2 {
  font-family: Montserrat, Inter, sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.7rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
  position: relative; z-index: 1;
}
.dc-tips-header p {
  font-size: 0.85rem; color: rgba(255,255,255,0.72);
  max-width: 760px; margin: 0 auto; line-height: 1.65;
  position: relative; z-index: 1;
}
.dc-tips-header-badges {
  display: flex; flex-wrap: wrap; gap: 8px;
  justify-content: center; margin-top: 16px;
  position: relative; z-index: 1;
}
.dc-tips-hbadge {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- TIP CARD ---- */
.dc-tips-card {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 16px;
  margin-bottom: 22px;
  overflow: hidden;
  transition: box-shadow 0.25s;
}
.dc-tips-card:hover {
  box-shadow: 0 4px 20px rgba(0,40,104,0.07);
}

/* Card Top Bar */
.dc-tips-card-top {
  display: flex;
  align-items: stretch;
  gap: 0;
}
.dc-tips-num-bar {
  width: 54px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  color: #fff;
}
.dc-tips-num-bar.n1 { background: linear-gradient(135deg, #002868, #003d99); }
.dc-tips-num-bar.n2 { background: linear-gradient(135deg, #00875A, #00a86b); }
.dc-tips-num-bar.n3 { background: linear-gradient(135deg, #D97706, #f59e0b); }
.dc-tips-num-bar.n4 { background: linear-gradient(135deg, #0891B2, #06b6d4); }
.dc-tips-num-bar.n5 { background: linear-gradient(135deg, #7C3AED, #8b5cf6); }

.dc-tips-card-hdr {
  flex: 1;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  border-bottom: 1px solid var(--dc-border, #E0E4E8);
}
.dc-tips-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  flex: 1; min-width: 200px;
}
.dc-tips-card-title small {
  display: block;
  font-family: Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--dc-gray, #5F6368);
  margin-top: 3px;
}
.dc-tips-impact {
  display: flex; gap: 6px; flex-wrap: wrap;
  margin-left: auto;
}
.dc-tips-impact-badge {
  font-size: 0.6rem; font-weight: 700;
  padding: 3px 10px; border-radius: 20px;
  letter-spacing: 0.03em; white-space: nowrap;
}
.dc-tips-impact-badge.high   { background: rgba(0,135,90,0.12); color: var(--dc-green, #00875A); }
.dc-tips-impact-badge.medium { background: rgba(217,119,6,0.12); color: var(--dc-amber, #D97706); }
.dc-tips-impact-badge.credit { background: rgba(0,40,104,0.1);   color: var(--dc-blue, #002868); }
.dc-tips-impact-badge.save   { background: rgba(0,135,90,0.08);  color: var(--dc-green, #00875A); }
.dc-tips-impact-badge.biz    { background: rgba(234,88,12,0.12); color: var(--dc-orange, #EA580C); }

/* Card Body */
.dc-tips-card-body { padding: 20px 22px; }

/* Tip Explanation */
.dc-tips-explain {
  font-size: 0.86rem;
  line-height: 1.72;
  color: var(--dc-charcoal, #1D1D1F);
  margin-bottom: 18px;
}
.dc-tips-explain strong { color: var(--dc-blue, #002868); font-weight: 700; }

/* DO / DON'T Grid */
.dc-tips-dodont {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 18px;
}
.dc-tips-do, .dc-tips-dont {
  border-radius: 10px;
  padding: 14px 14px;
}
.dc-tips-do {
  background: #F0FBF6;
  border: 1px solid rgba(0,135,90,0.25);
}
.dc-tips-dont {
  background: #FFF5F7;
  border: 1px solid rgba(191,10,48,0.25);
}
.dc-tips-dd-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.07em; text-transform: uppercase;
  margin-bottom: 8px;
  display: flex; align-items: center; gap: 5px;
}
.dc-tips-do .dc-tips-dd-label   { color: var(--dc-green, #00875A); }
.dc-tips-dont .dc-tips-dd-label { color: var(--dc-red, #BF0A30); }
.dc-tips-dd-list {
  list-style: none; padding: 0; margin: 0;
}
.dc-tips-dd-list li {
  font-size: 0.78rem;
  line-height: 1.55;
  padding: 4px 0;
  color: var(--dc-charcoal, #1D1D1F);
  display: flex; align-items: flex-start; gap: 7px;
}
.dc-tips-dd-list li::before { flex-shrink: 0; font-size: 0.72rem; margin-top: 1px; }
.dc-tips-do .dc-tips-dd-list li::before   { content: '✅'; }
.dc-tips-dont .dc-tips-dd-list li::before { content: '❌'; }

/* Stat Highlight Row */
.dc-tips-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 16px;
}
.dc-tips-stat {
  border-radius: 10px;
  padding: 12px 10px;
  text-align: center;
  border: 1px solid;
}
.dc-tips-stat.green  { background: #F0FBF6; border-color: rgba(0,135,90,0.25); }
.dc-tips-stat.amber  { background: #FFFBEB; border-color: rgba(217,119,6,0.25); }
.dc-tips-stat.teal   { background: #F0F9FF; border-color: rgba(8,145,178,0.25); }
.dc-tips-stat.blue   { background: #EFF6FF; border-color: rgba(0,40,104,0.2); }
.dc-tips-stat.red    { background: #FFF5F7; border-color: rgba(191,10,48,0.25); }
.dc-tips-stat.purple { background: #F5F3FF; border-color: rgba(124,58,237,0.25); }

.dc-tips-stat-label {
  font-size: 0.6rem; font-weight: 600;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--dc-gray, #5F6368);
  margin-bottom: 4px;
}
.dc-tips-stat-val {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.95rem; font-weight: 800;
}
.dc-tips-stat.green .dc-tips-stat-val  { color: var(--dc-green, #00875A); }
.dc-tips-stat.amber .dc-tips-stat-val  { color: var(--dc-amber, #D97706); }
.dc-tips-stat.teal .dc-tips-stat-val   { color: var(--dc-teal, #0891B2); }
.dc-tips-stat.blue .dc-tips-stat-val   { color: var(--dc-blue, #002868); }
.dc-tips-stat.red .dc-tips-stat-val    { color: var(--dc-red, #BF0A30); }
.dc-tips-stat.purple .dc-tips-stat-val { color: var(--dc-purple, #7C3AED); }

/* Example Scenario Box */
.dc-tips-example {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 14px 16px;
  margin-bottom: 16px;
}
.dc-tips-example-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.64rem; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--dc-blue, #002868);
  margin-bottom: 8px;
  display: flex; align-items: center; gap: 6px;
}
.dc-tips-example p {
  font-size: 0.8rem;
  color: var(--dc-charcoal, #1D1D1F);
  line-height: 1.65;
  margin: 0;
}
.dc-tips-example strong { color: var(--dc-blue, #002868); }
.dc-tips-example .highlight-green { color: var(--dc-green, #00875A); font-weight: 700; }
.dc-tips-example .highlight-red   { color: var(--dc-red, #BF0A30); font-weight: 700; }

/* Callout Banner */
.dc-tips-callout {
  border-radius: 10px;
  padding: 12px 16px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.8rem;
  line-height: 1.6;
}
.dc-tips-callout.blue   { background: #EFF6FF; border: 1px solid rgba(0,40,104,0.15); }
.dc-tips-callout.green  { background: #F0FBF6; border: 1px solid rgba(0,135,90,0.2); }
.dc-tips-callout.amber  { background: #FFFBEB; border: 1px solid rgba(217,119,6,0.2); }
.dc-tips-callout-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.dc-tips-callout strong { color: var(--dc-blue, #002868); font-weight: 700; }

/* Steps Row */
.dc-tips-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 10px;
  margin-bottom: 16px;
}
.dc-tips-step {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 12px 12px;
  text-align: center;
}
.dc-tips-step-num {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.58rem; font-weight: 800;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: #fff;
  background: var(--dc-blue, #002868);
  width: 20px; height: 20px;
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 6px;
}
.dc-tips-step h5 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem; font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  margin: 0 0 4px;
}
.dc-tips-step p {
  font-size: 0.72rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.5; margin: 0;
}

/* Checklist */
.dc-tips-checklist {
  list-style: none; padding: 0; margin: 0 0 16px;
}
.dc-tips-checklist li {
  font-size: 0.8rem; line-height: 1.55;
  padding: 6px 0;
  color: var(--dc-charcoal, #1D1D1F);
  display: flex; align-items: flex-start; gap: 8px;
  border-bottom: 1px solid var(--dc-bg, #F7F9FC);
}
.dc-tips-checklist li:last-child { border-bottom: none; }
.dc-tips-check-icon { flex-shrink: 0; margin-top: 1px; }

/* ---- BONUS SECTION ---- */
.dc-tips-bonus {
  background: linear-gradient(135deg, #001030, var(--dc-blue, #002868));
  border-radius: 14px;
  padding: 22px 22px;
  position: relative;
  overflow: hidden;
}
.dc-tips-bonus::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.dc-tips-bonus-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.78rem; font-weight: 800;
  color: #fff;
  margin: 0 0 12px;
  display: flex; align-items: center; gap: 8px;
  position: relative; z-index: 1;
}
.dc-tips-bonus-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  position: relative; z-index: 1;
}
.dc-tips-bonus-item {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 10px;
  padding: 12px 14px;
  display: flex; align-items: flex-start; gap: 8px;
}
.dc-tips-bonus-icon { font-size: 1rem; flex-shrink: 0; }
.dc-tips-bonus-item h5 {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem; font-weight: 700;
  color: #fff; margin: 0 0 3px;
}
.dc-tips-bonus-item p {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5; margin: 0;
}

/* ---- DISCLAIMER ---- */
.dc-tips-disc {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  text-align: center;
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid var(--dc-border, #E0E4E8);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .dc-tips-stats { grid-template-columns: 1fr 1fr; }
  .dc-tips-bonus-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .dc-tips-header { padding: 28px 18px 22px; }
  .dc-tips-card-body { padding: 18px 16px; }
  .dc-tips-card-hdr { padding: 14px 16px; }
  .dc-tips-dodont { grid-template-columns: 1fr; }
  .dc-tips-num-bar { width: 44px; font-size: 1.1rem; }
  .dc-tips-impact { margin-left: 0; margin-top: 4px; }
  .dc-tips-steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .dc-tips-header h2 { font-size: 1.15rem !important; }
  .dc-tips-stats { grid-template-columns: 1fr; }
  .dc-tips-steps { grid-template-columns: 1fr; }
  .dc-tips-stat-val { font-size: 0.85rem; }
}
/* =====================================================
   DEBT CONSOLIDATION FAQ SECTION
   ===================================================== */
.dc-faq-wrap {
  max-width: 1180px;
  margin: 60px auto 40px;
  font-family: 'Inter', sans-serif;
  color: var(--dc-charcoal);
}
.dc-faq-header {
  text-align: center;
  margin-bottom: 40px;
}
.dc-faq-header h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 800;
  color: var(--dc-blue);
  margin-bottom: 12px;
}
.dc-faq-header p {
  font-size: 1rem;
  color: var(--dc-gray);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
}
.dc-faq-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 850px) {
  .dc-faq-grid { grid-template-columns: 1fr 1fr; }
}
.dc-faq-category {
  background: var(--dc-white);
  border: 1px solid var(--dc-border);
  border-radius: 16px;
  padding: 24px;
  box-shadow: 0 4px 20px rgba(0,40,104,0.03);
}
.dc-faq-cat-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--dc-blue);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--dc-bg);
  display: flex;
  align-items: center;
  gap: 10px;
}
.dc-faq-item {
  margin-bottom: 12px;
  border: 1px solid var(--dc-border);
  border-radius: 10px;
  background: var(--dc-bg);
  overflow: hidden;
}
.dc-faq-item:last-child {
  margin-bottom: 0;
}
.dc-faq-item summary {
  padding: 16px;
  font-size: 0.9rem;
  font-weight: 700;
  cursor: pointer;
  list-style: none;
  position: relative;
  transition: background 0.2s;
}
.dc-faq-item summary::-webkit-details-marker {
  display: none;
}
.dc-faq-item summary::after {
  content: '+';
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--dc-gray);
  transition: transform 0.2s;
}
.dc-faq-item[open] summary {
  background: rgba(0,40,104,0.04);
  color: var(--dc-blue);
}
.dc-faq-item[open] summary::after {
  content: '−';
  color: var(--dc-blue);
}
.dc-faq-item p {
  padding: 0 16px 16px;
  margin: 0;
  font-size: 0.85rem;
  line-height: 1.6;
  color: var(--dc-gray);
}
.dc-faq-item p strong {
  color: var(--dc-charcoal);
}
/* ============================================================
   RELATED CALCULATORS CSS
   Same palette & tokens as the calculator
   ============================================================ */

.dc-rel-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 0 40px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dc-rel-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dc-rel-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-rel-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.dc-rel-header-icon { font-size: 2.4rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.dc-rel-header h2 {
  font-family: Montserrat, Inter, sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.7rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
  position: relative; z-index: 1;
}
.dc-rel-header p {
  font-size: 0.85rem; color: rgba(255,255,255,0.72);
  max-width: 760px; margin: 0 auto; line-height: 1.65;
  position: relative; z-index: 1;
}

/* ---- CATEGORY LABEL ---- */
.dc-rel-cat-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 7px 0 10px;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.dc-rel-cat-label .cat-icon { font-size: 1rem; }
.dc-rel-cat-label.credit  { color: var(--dc-blue, #002868); border-bottom: 2px solid rgba(0,40,104,0.15); }
.dc-rel-cat-label.loans   { color: var(--dc-green, #00875A); border-bottom: 2px solid rgba(0,135,90,0.15); }
.dc-rel-cat-label.business { color: var(--dc-orange, #EA580C); border-bottom: 2px solid rgba(234,88,12,0.15); }
.dc-rel-cat-label.mortgage { color: var(--dc-teal, #0891B2); border-bottom: 2px solid rgba(8,145,178,0.15); }
.dc-rel-cat-label.personal { color: var(--dc-purple, #7C3AED); border-bottom: 2px solid rgba(124,58,237,0.15); }
.dc-rel-cat-label.taxes    { color: var(--dc-amber, #D97706); border-bottom: 2px solid rgba(217,119,6,0.15); }

/* ---- CATEGORY GROUP ---- */
.dc-rel-group {
  margin-bottom: 24px;
}

/* ---- CARD GRID ---- */
.dc-rel-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

/* ---- CARD ---- */
.dc-rel-card {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 14px;
  padding: 18px 16px;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: all 0.25s;
  position: relative;
  overflow: hidden;
}
.dc-rel-card:hover {
  border-color: var(--dc-blue, #002868);
  box-shadow: 0 4px 20px rgba(0,40,104,0.1);
  transform: translateY(-2px);
}
.dc-rel-card::after {
  content: '→';
  position: absolute;
  top: 16px; right: 16px;
  font-size: 1rem;
  color: var(--dc-border, #E0E4E8);
  transition: all 0.25s;
  font-weight: 700;
}
.dc-rel-card:hover::after {
  color: var(--dc-blue, #002868);
  transform: translateX(3px);
}

/* Card Icon */
.dc-rel-card-icon {
  width: 38px; height: 38px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}
.dc-rel-card-icon.blue   { background: rgba(0,40,104,0.08); }
.dc-rel-card-icon.green  { background: rgba(0,135,90,0.08); }
.dc-rel-card-icon.orange { background: rgba(234,88,12,0.08); }
.dc-rel-card-icon.teal   { background: rgba(8,145,178,0.08); }
.dc-rel-card-icon.purple { background: rgba(124,58,237,0.08); }
.dc-rel-card-icon.amber  { background: rgba(217,119,6,0.08); }
.dc-rel-card-icon.red    { background: rgba(191,10,48,0.08); }

/* Card Title */
.dc-rel-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  line-height: 1.3;
  padding-right: 24px;
}

/* Card Description */
.dc-rel-card-desc {
  font-size: 0.74rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  flex: 1;
}

/* Relevance Tag */
.dc-rel-tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 3px 8px;
  border-radius: 12px;
  width: fit-content;
}
.dc-rel-tag.high   { background: rgba(0,135,90,0.1);  color: var(--dc-green, #00875A); }
.dc-rel-tag.medium { background: rgba(217,119,6,0.1);  color: var(--dc-amber, #D97706); }
.dc-rel-tag.direct { background: rgba(0,40,104,0.1);   color: var(--dc-blue, #002868); }

/* ---- VIEW ALL CTA ---- */
.dc-rel-viewall {
  text-align: center;
  margin-top: 24px;
}
.dc-rel-viewall-btn {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--dc-blue, #002868);
  background: var(--dc-white, #FFFFFF);
  border: 2px solid var(--dc-blue, #002868);
  border-radius: 10px;
  padding: 12px 32px;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.25s;
  letter-spacing: 0.03em;
}
.dc-rel-viewall-btn:hover {
  background: var(--dc-blue, #002868);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,40,104,0.2);
}

/* ---- DISCLAIMER ---- */
.dc-rel-disc {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  text-align: center;
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid var(--dc-border, #E0E4E8);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .dc-rel-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .dc-rel-header { padding: 28px 18px 22px; }
}
@media (max-width: 560px) {
  .dc-rel-grid { grid-template-columns: 1fr; }
  .dc-rel-header h2 { font-size: 1.15rem !important; }
}
/* ============================================================
   LEGAL DISCLAIMER CSS
   Same palette & tokens as the calculator
   ============================================================ */

.dc-legal-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 0 40px;
  font-family: Inter, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--dc-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dc-legal-header {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dc-legal-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(0,135,90,0.1) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 50%, rgba(191,10,48,0.08) 0%, transparent 50%);
  pointer-events: none;
}
.dc-legal-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.dc-legal-header-icon { font-size: 2.4rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.dc-legal-header h2 {
  font-family: Montserrat, Inter, sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.7rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
  position: relative; z-index: 1;
}
.dc-legal-header p {
  font-size: 0.85rem; color: rgba(255,255,255,0.72);
  max-width: 780px; margin: 0 auto; line-height: 1.65;
  position: relative; z-index: 1;
}
.dc-legal-header-meta {
  display: flex; flex-wrap: wrap; gap: 8px;
  justify-content: center; margin-top: 16px;
  position: relative; z-index: 1;
}
.dc-legal-hbadge {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- DISCLAIMER CARD ---- */
.dc-legal-card {
  background: var(--dc-white, #FFFFFF);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 14px;
  padding: 22px 22px;
  margin-bottom: 18px;
}
.dc-legal-card-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin: 0 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--dc-border, #E0E4E8);
  display: flex;
  align-items: center;
  gap: 7px;
}
.dc-legal-card-title.blue   { color: var(--dc-blue, #002868); }
.dc-legal-card-title.red    { color: var(--dc-red, #BF0A30); }
.dc-legal-card-title.green  { color: var(--dc-green, #00875A); }
.dc-legal-card-title.amber  { color: var(--dc-amber, #D97706); }
.dc-legal-card-title.teal   { color: var(--dc-teal, #0891B2); }
.dc-legal-card-title.purple { color: var(--dc-purple, #7C3AED); }
.dc-legal-card-title.orange { color: var(--dc-orange, #EA580C); }

.dc-legal-body {
  font-size: 0.82rem;
  line-height: 1.72;
  color: var(--dc-charcoal, #1D1D1F);
}
.dc-legal-body p {
  margin: 0 0 12px;
}
.dc-legal-body p:last-child {
  margin-bottom: 0;
}
.dc-legal-body strong {
  font-weight: 700;
}
.dc-legal-body .law-ref {
  color: var(--dc-blue, #002868);
  font-weight: 600;
}
.dc-legal-body a {
  color: var(--dc-blue, #002868);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.dc-legal-body a:hover {
  color: var(--dc-green, #00875A);
}

/* ---- PROVISIONS LIST ---- */
.dc-legal-provisions {
  list-style: none; padding: 0; margin: 12px 0 0;
}
.dc-legal-provisions li {
  font-size: 0.8rem;
  line-height: 1.65;
  padding: 8px 0;
  border-bottom: 1px solid var(--dc-bg, #F7F9FC);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.dc-legal-provisions li:last-child { border-bottom: none; }
.dc-legal-prov-icon { flex-shrink: 0; margin-top: 1px; }
.dc-legal-provisions strong { font-weight: 700; color: var(--dc-charcoal, #1D1D1F); }
.dc-legal-provisions .law-cite { color: var(--dc-blue, #002868); font-weight: 600; font-size: 0.74rem; }

/* ---- GOV RESOURCES GRID ---- */
.dc-legal-gov-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 14px;
}
.dc-legal-gov-link {
  background: var(--dc-bg, #F7F9FC);
  border: 1px solid var(--dc-border, #E0E4E8);
  border-radius: 10px;
  padding: 12px 14px;
  text-decoration: none;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  transition: all 0.2s;
}
.dc-legal-gov-link:hover {
  border-color: var(--dc-blue, #002868);
  box-shadow: 0 2px 12px rgba(0,40,104,0.08);
  transform: translateY(-1px);
}
.dc-legal-gov-icon {
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.dc-legal-gov-name {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--dc-charcoal, #1D1D1F);
  display: block;
  margin-bottom: 2px;
}
.dc-legal-gov-desc {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.5;
}
.dc-legal-gov-badge {
  font-size: 0.55rem;
  font-weight: 700;
  padding: 2px 6px;
  border-radius: 4px;
  background: rgba(0,40,104,0.08);
  color: var(--dc-blue, #002868);
  margin-left: 4px;
  letter-spacing: 0.04em;
  vertical-align: middle;
}

/* ---- EDITORIAL INDEPENDENCE BANNER ---- */
.dc-legal-editorial {
  background: linear-gradient(135deg, #001030 0%, var(--dc-blue, #002868) 100%);
  border-radius: 14px;
  padding: 24px 22px;
  position: relative;
  overflow: hidden;
  margin-bottom: 18px;
}
.dc-legal-editorial::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.dc-legal-editorial-title {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 12px;
  display: flex; align-items: center; gap: 8px;
  position: relative; z-index: 1;
}
.dc-legal-editorial-body {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
  position: relative; z-index: 1;
}
.dc-legal-editorial-body p {
  margin: 0 0 10px;
}
.dc-legal-editorial-body p:last-child { margin-bottom: 0; }
.dc-legal-editorial-body strong { color: #4ade80; }

/* ---- TRUST BADGES GRID ---- */
.dc-legal-trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 16px;
  position: relative; z-index: 1;
}
.dc-legal-trust-badge {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 10px;
  padding: 12px 10px;
  text-align: center;
}
.dc-legal-trust-icon { font-size: 1.2rem; display: block; margin-bottom: 4px; }
.dc-legal-trust-label {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.62rem;
  font-weight: 700;
  color: #fff;
  display: block;
  margin-bottom: 2px;
}
.dc-legal-trust-sub {
  font-size: 0.56rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.3;
}

/* ---- STATS ROW ---- */
.dc-legal-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 14px;
  position: relative; z-index: 1;
}
.dc-legal-stat {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 10px;
  padding: 10px 8px;
  text-align: center;
}
.dc-legal-stat-val {
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #4ade80;
  display: block;
}
.dc-legal-stat-label {
  font-size: 0.56rem;
  color: rgba(255,255,255,0.6);
  margin-top: 2px;
}

/* ---- QUICK LINKS FOOTER ---- */
.dc-legal-quicklinks {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin-top: 16px;
  position: relative; z-index: 1;
}
.dc-legal-qlink {
  font-size: 0.7rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  padding: 6px 14px;
  border-radius: 8px;
  text-decoration: none;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.dc-legal-qlink:hover {
  background: rgba(255,255,255,0.15);
  color: #fff;
}

/* ---- COPYRIGHT FOOTER ---- */
.dc-legal-copyright {
  text-align: center;
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid var(--dc-border, #E0E4E8);
}
.dc-legal-copyright p {
  font-size: 0.68rem;
  color: var(--dc-gray, #5F6368);
  line-height: 1.55;
  margin: 0 0 8px;
}
.dc-legal-copyright-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}
.dc-legal-copyright-links a {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--dc-blue, #002868);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: color 0.2s;
}
.dc-legal-copyright-links a:hover {
  color: var(--dc-green, #00875A);
  text-decoration: underline;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .dc-legal-gov-grid { grid-template-columns: 1fr; }
  .dc-legal-trust-grid { grid-template-columns: repeat(2, 1fr); }
  .dc-legal-stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .dc-legal-header { padding: 28px 18px 22px; }
  .dc-legal-card { padding: 18px 16px; }
}
@media (max-width: 480px) {
  .dc-legal-header h2 { font-size: 1.15rem !important; }
  .dc-legal-trust-grid { grid-template-columns: 1fr 1fr; }
  .dc-legal-stats { grid-template-columns: 1fr 1fr; }
}

/* ─────────────────────────────────────────────
   FIX: Mobile Optimization for Consolidation Inputs
   ───────────────────────────────────────────── */
@media (max-width: 768px) {
  /* 1. Force all 2-column and 3-column grids to stack vertically */
  .dc-r2, 
  .dc-r3 {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }
  
  /* 2. Fix the Debt Header so the "Name" input drops to a new line and expands */
  .dc-debt-hdr {
    flex-wrap: wrap !important;
    gap: 8px !important;
  }
  .dc-debt-hdr input[type="text"] {
    flex: 1 1 100% !important; /* Forces it to take the full width */
    margin: 4px 0 0 0 !important;
    background: #ffffff !important;
    border: 1.5px solid var(--dc-border) !important;
    border-radius: 8px !important;
    padding: 8px !important;
  }
  
  /* 3. Give fields a bit more breathing room when stacked */
  .dc-field {
    margin-bottom: 4px !important;
  }
  
  /* 4. Ensure action buttons stack cleanly */
  .dc-action-row {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }
}
/* ─────────────────────────────────────────────
   ULTIMATE MOBILE FIX: FORCE STACKING 
   ───────────────────────────────────────────── */
@media screen and (max-width: 850px) {
  /* 1. Force the 2-column and 3-column input grids into single vertical columns */
  #dcWrapper .dc-r2,
  #dcWrapper .dc-r3 {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 12px !important;
  }
  
  /* 2. Fix the Debt Name Header (Push the input to its own full-width line) */
  #dcWrapper .dc-debt-hdr {
    flex-wrap: wrap !important;
    gap: 8px !important;
  }
  #dcWrapper .dc-debt-hdr input[type="text"] {
    flex: 1 1 100% !important;
    width: 100% !important;
    margin: 6px 0 0 0 !important;
    background: #ffffff !important;
    border: 1.5px solid var(--dc-border) !important;
    border-radius: 8px !important;
    padding: 10px !important;
    box-sizing: border-box !important;
  }
  
  /* 3. Give all individual fields full width so they don't shrink */
  #dcWrapper .dc-field {
    width: 100% !important;
    margin-bottom: 6px !important;
  }

  /* 4. Fix Results Panel & Action Buttons */
  #dcWrapper .dc-stats,
  #dcWrapper .dc-cf-grid,
  #dcWrapper .dc-action-row {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 12px !important;
  }
  
  /* Hide the horizontal Cash Flow arrow */
  #dcWrapper .dc-cf-arrow {
    display: none !important;
  }
  
  /* Drop the numbers below the text in the Breakdown rows */
  #dcWrapper .dc-bd-row {
    flex-direction: column !important;
    align-items: flex-start !important;
    padding: 12px 14px !important;
    gap: 6px !important;
  }
  #dcWrapper .dc-bd-val {
    align-self: flex-end !important;
    font-size: 1.1rem !important;
  }

  /* Make tables swipeable */
  #dcWrapper .dc-vehicles,
  #dcWrapper .dc-mca-panel,
  #dcWrapper .dc-amort-wrap,
  #dcWrapper .dc-breakdown {
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }
}
/* ─────────────────────────────────────────────
   FIX: FORCE MAIN PANELS TO STACK ON MOBILE
   ───────────────────────────────────────────── */
@media screen and (max-width: 950px) {
  /* Break the main desktop grid and force vertical stacking */
  #dcWrapper .dc-grid {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 20px !important;
  }
  
  /* Ensure the Input Panel and Result Panel expand to full width */
  #dcWrapper .dc-input-panel,
  #dcWrapper .dc-results-panel {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    margin: 0 !important;
  }
}