#dscrWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1140px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.dscr-header {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #001040 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.dscr-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.dscr-header-icon { font-size: 2.8rem; display: block; margin-bottom: 14px; position: relative; z-index: 1; }
.dscr-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.85rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 12px !important;
  line-height: 1.2 !important;
  position: relative;
  z-index: 1;
}
.dscr-subtitle {
  font-size: 0.895rem;
  color: rgba(255,255,255,0.75);
  max-width: 720px;
  margin: 0 auto 20px;
  line-height: 1.65;
  position: relative;
  z-index: 1;
}
.dscr-mode-wrap { display: flex; justify-content: center; position: relative; z-index: 1; }
.dscr-mode-toggle {
  display: inline-flex;
  background: rgba(255,255,255,0.10);
  border: 1.5px solid rgba(255,255,255,0.20);
  border-radius: 11px;
  padding: 4px;
  gap: 3px;
}
.dscr-mode-btn {
  padding: 9px 20px;
  border: none;
  background: transparent;
  color: rgba(255,255,255,0.72);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.03em;
}
.dscr-mode-btn.active {
  background: #fff;
  color: var(--global-palette1, #002868);
  box-shadow: 0 2px 10px rgba(0,0,0,0.15);
}

/* ---- MAIN GRID ---- */
.dscr-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}

/* ---- PANELS ---- */
.dscr-input-panel {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 28px;
}
.dscr-results-panel {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 28px;
}

/* ---- SECTION LABELS ---- */
.dscr-section-label {
  display: block;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin: 24px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8);
}
.dscr-section-label:first-of-type { margin-top: 0; }
.dscr-badge-opt {
  font-size: 0.66rem;
  font-weight: 500;
  color: var(--global-palette4, #5F6368);
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 4px;
  padding: 1px 6px;
  margin-left: 6px;
  text-transform: none;
  letter-spacing: 0;
}

/* ---- EBITDA BUILDER ---- */
.dscr-ebitda-wrap {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  overflow: hidden;
}
.dscr-eb-row {
  display: grid;
  grid-template-columns: 1fr 140px;
  gap: 8px;
  align-items: center;
  padding: 9px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
}
.dscr-eb-row:last-child { border-bottom: none; }
.dscr-eb-label {
  font-size: 0.815rem;
  font-weight: 500;
  color: var(--global-palette4, #5F6368);
  display: flex;
  align-items: center;
  gap: 6px;
}
.dscr-eb-label.bold { font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.dscr-eb-label.indent { padding-left: 16px; font-size: 0.79rem; }
.dscr-eb-subtotal {
  background: var(--global-palette7, #fff);
  border-top: 1.5px solid var(--global-palette5, #E0E4E8);
}
.dscr-eb-subtotal .dscr-eb-label { font-weight: 700; color: var(--global-palette1, #002868); }
.dscr-eb-final {
  background: linear-gradient(135deg, var(--global-palette1, #002868), #001040);
}
.dscr-eb-final .dscr-eb-label { color: rgba(255,255,255,0.8) !important; font-weight: 700; }

.dscr-eb-input-wrap {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 7px;
  overflow: hidden;
  background: var(--global-palette7, #fff);
  transition: border-color 0.2s;
}
.dscr-eb-input-wrap:focus-within { border-color: var(--global-palette1, #002868); }
.dscr-eb-pre {
  display: flex;
  align-items: center;
  padding: 0 7px;
  background: var(--global-palette6, #F7F9FC);
  border-right: 1.5px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  font-size: 0.8rem;
  font-weight: 600;
  flex-shrink: 0;
}
.dscr-eb-input-wrap input {
  flex: 1;
  border: none;
  outline: none;
  padding: 0 8px;
  height: 34px;
  font-size: 0.82rem;
  color: var(--global-palette3, #1D1D1F);
  background: transparent;
  font-family: 'Inter', sans-serif;
  -moz-appearance: textfield;
  min-width: 0;
}
.dscr-eb-input-wrap input::-webkit-outer-spin-button,
.dscr-eb-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; }

.dscr-eb-computed {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  text-align: right;
  padding: 0 2px;
  white-space: nowrap;
}
.dscr-eb-computed.negative { color: var(--global-palette8, #BF0A30); }
.dscr-eb-final .dscr-eb-computed { color: #4ade80; font-size: 0.92rem; }
.dscr-eb-computed.zero { color: var(--global-palette4, #5F6368); }

/* OPEX TOGGLE */
.dscr-opex-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 14px;
  cursor: pointer;
  background: var(--global-palette7, #fff);
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  transition: background 0.15s;
  user-select: none;
}
.dscr-opex-toggle:hover { background: var(--global-palette6, #F7F9FC); }
.dscr-opex-toggle-label {
  font-size: 0.815rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  display: flex;
  align-items: center;
  gap: 7px;
}
.dscr-opex-arrow {
  font-size: 0.72rem;
  color: var(--global-palette4, #5F6368);
  transition: transform 0.2s;
}
.dscr-opex-arrow.open { transform: rotate(180deg); }
.dscr-opex-rows { display: none; }
.dscr-opex-rows.open { display: block; }

/* ---- DEBT ITEMIZER ---- */
.dscr-debt-header {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr 0.7fr 0.7fr 0.85fr 26px;
  gap: 6px;
  padding: 7px 10px;
  background: var(--global-palette1, #002868);
  border-radius: 9px 9px 0 0;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.8);
  text-transform: uppercase;
}
#dscrDebtBody {
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-top: none;
  border-radius: 0 0 9px 9px;
  overflow: hidden;
}
.dscr-debt-row {
  display: grid;
  grid-template-columns: 1.4fr 0.9fr 0.7fr 0.7fr 0.85fr 26px;
  gap: 5px;
  padding: 7px 8px;
  align-items: center;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  background: var(--global-palette7, #fff);
  transition: background 0.15s;
}
.dscr-debt-row:last-child { border-bottom: none; }
.dscr-debt-row:nth-child(even) { background: var(--global-palette6, #F7F9FC); }
.dscr-debt-cell input, .dscr-debt-cell select {
  width: 100%;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 6px;
  padding: 5px 7px;
  font-size: 0.77rem;
  color: var(--global-palette3, #1D1D1F);
  font-family: 'Inter', sans-serif;
  outline: none;
  background: var(--global-palette7, #fff);
  -moz-appearance: textfield;
  transition: border-color 0.15s;
}
.dscr-debt-cell input::-webkit-outer-spin-button,
.dscr-debt-cell input::-webkit-inner-spin-button { -webkit-appearance: none; }
.dscr-debt-cell input:focus, .dscr-debt-cell select:focus { border-color: var(--global-palette1, #002868); }
.dscr-debt-computed {
  font-size: 0.77rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  font-family: 'Montserrat', 'Inter', sans-serif;
  text-align: center;
}
.dscr-debt-del {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  background: #fee2e2;
  border: none;
  border-radius: 5px;
  color: #991b1b;
  font-size: 0.8rem;
  cursor: pointer;
  transition: background 0.15s;
  flex-shrink: 0;
}
.dscr-debt-del:hover { background: var(--global-palette8, #BF0A30); color: #fff; }
.dscr-add-loan-btn {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-top: 10px;
  padding: 9px 16px;
  background: transparent;
  border: 1.5px dashed var(--global-palette5, #E0E4E8);
  border-radius: 9px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  cursor: pointer;
  transition: all 0.2s;
  width: 100%;
  justify-content: center;
  font-family: 'Inter', sans-serif;
}
.dscr-add-loan-btn:hover {
  border-color: var(--global-palette1, #002868);
  background: #eff6ff;
}
.dscr-debt-totals {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 12px;
  background: var(--global-palette1, #002868);
  border-radius: 9px;
  margin-top: 10px;
}
.dscr-debt-totals span:first-child {
  font-size: 0.79rem;
  font-weight: 700;
  color: rgba(255,255,255,0.75);
  font-family: 'Montserrat', 'Inter', sans-serif;
  letter-spacing: 0.03em;
}
.dscr-debt-totals span:last-child {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #4ade80;
}

/* ---- SIMPLE INPUTS ---- */
.dscr-field { margin-bottom: 14px; }
.dscr-field label {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.845rem;
  font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 6px;
}
.dscr-field-tip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 15px;
  height: 15px;
  background: var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  border-radius: 50%;
  font-size: 0.58rem;
  font-weight: 700;
  cursor: help;
}
.dscr-input-row {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 9px;
  overflow: hidden;
  background: var(--global-palette7, #fff);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.dscr-input-row:focus-within {
  border-color: var(--global-palette1, #002868);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.09);
}
.dscr-sym-pre, .dscr-sym-suf {
  display: flex;
  align-items: center;
  padding: 0 11px;
  background: var(--global-palette6, #F7F9FC);
  color: var(--global-palette4, #5F6368);
  font-weight: 600;
  font-size: 0.875rem;
  flex-shrink: 0;
}
.dscr-sym-pre { border-right: 1.5px solid var(--global-palette5, #E0E4E8); min-height: 42px; }
.dscr-sym-suf { border-left: 1.5px solid var(--global-palette5, #E0E4E8); font-size: 0.82rem; }
.dscr-input-row input[type="number"] {
  flex: 1;
  border: none;
  outline: none;
  padding: 0 13px;
  height: 42px;
  font-size: 0.9rem;
  color: var(--global-palette3, #1D1D1F);
  background: transparent;
  font-family: 'Inter', sans-serif;
  -moz-appearance: textfield;
  min-width: 0;
}
.dscr-input-row input::-webkit-outer-spin-button,
.dscr-input-row input::-webkit-inner-spin-button { -webkit-appearance: none; }
.dscr-hint { font-size: 0.71rem; color: var(--global-palette4, #5F6368); margin-top: 5px; display: block; line-height: 1.4; }

/* GLOBAL DSCR SECTION */
#dscrGlobalSection {
  margin-top: 4px;
  padding: 18px;
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-radius: 12px;
}
.dscr-global-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  color: #1d4ed8;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 1.5px solid #bfdbfe;
}
.dscr-global-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }

/* ---- BUTTONS ---- */
.dscr-actions { display: flex; flex-direction: column; gap: 10px; margin-top: 24px; }
.dscr-btn-calc {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  width: 100%;
  padding: 14px 20px;
  background: var(--global-palette9, #00875A);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 1rem;
  font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  letter-spacing: 0.02em;
}
.dscr-btn-calc:hover { background: #006E49; transform: translateY(-2px); box-shadow: 0 6px 18px rgba(0,135,90,0.3); }
.dscr-btn-calc:active { transform: translateY(0); }
.dscr-btn-reset {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  width: 100%;
  padding: 10px 20px;
  background: transparent;
  color: var(--global-palette4, #5F6368);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px;
  font-size: 0.875rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: all 0.2s;
}
.dscr-btn-reset:hover { border-color: var(--global-palette8, #BF0A30); color: var(--global-palette8, #BF0A30); }
.dscr-share-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.dscr-btn-pdf, .dscr-btn-wa {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 14px;
  background: transparent;
  border-radius: 10px;
  font-size: 0.875rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: all 0.2s;
}
.dscr-btn-pdf { color: var(--global-palette8, #BF0A30); border: 1.5px solid var(--global-palette8, #BF0A30); }
.dscr-btn-pdf:hover { background: var(--global-palette8, #BF0A30); color: #fff; }
.dscr-btn-wa { color: #128C7E; border: 1.5px solid #25D366; }
.dscr-btn-wa:hover { background: #25D366; color: #fff; }

/* ---- EMPTY STATE ---- */
.dscr-empty {
  text-align: center;
  padding: 40px 20px;
  color: var(--global-palette4, #5F6368);
}
.dscr-empty-icon { font-size: 3rem; display: block; margin-bottom: 14px; opacity: 0.45; }

/* ---- RESULTS ---- */
.dscr-results-content { display: none; }
.dscr-perf-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 16px;
  border-radius: 20px;
  font-size: 0.79rem;
  font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  margin-bottom: 16px;
  letter-spacing: 0.02em;
}
.dscr-perf-strong    { background: #dcfce7; color: #15803d; border: 1.5px solid #bbf7d0; }
.dscr-perf-good      { background: #dbeafe; color: #1d4ed8; border: 1.5px solid #bfdbfe; }
.dscr-perf-marginal  { background: #fef3c7; color: #92400e; border: 1.5px solid #fde68a; }
.dscr-perf-weak      { background: #fed7aa; color: #9a3412; border: 1.5px solid #fdba74; }
.dscr-perf-critical  { background: #fee2e2; color: #991b1b; border: 1.5px solid #fecaca; }

/* DSCR GAUGE */
.dscr-gauge-wrap {
  background: linear-gradient(135deg, var(--global-palette1, #002868), #001040);
  border-radius: 14px;
  padding: 20px;
  text-align: center;
  margin-bottom: 14px;
}
.dscr-gauge-label { font-size: 0.7rem; font-weight: 700; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 4px; }
.dscr-gauge-value {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(2rem, 4vw, 2.6rem);
  font-weight: 900;
  color: #fff;
  line-height: 1;
  margin-bottom: 4px;
}
.dscr-gauge-sub { font-size: 0.78rem; color: rgba(255,255,255,0.55); }

/* METRICS GRID */
.dscr-metrics-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.dscr-metric-card {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 12px 14px;
  transition: box-shadow 0.2s;
}
.dscr-metric-card:hover { box-shadow: 0 3px 12px rgba(0,40,104,0.07); }
.dscr-metric-lbl { font-size: 0.67rem; font-weight: 700; color: var(--global-palette4, #5F6368); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.dscr-metric-val { font-family: 'Montserrat', 'Inter', sans-serif; font-size: 0.96rem; font-weight: 800; color: var(--global-palette1, #002868); }
.dscr-metric-sub { font-size: 0.67rem; color: var(--global-palette4, #5F6368); margin-top: 2px; }

/* LENDER PANEL */
.dscr-lender-panel {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 14px;
}
.dscr-lender-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: #fff;
  background: var(--global-palette1, #002868);
  padding: 10px 14px;
}
.dscr-lender-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  gap: 8px;
}
.dscr-lender-row:last-child { border-bottom: none; }
.dscr-lender-info { flex: 1; }
.dscr-lender-name { font-size: 0.815rem; font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.dscr-lender-req { font-size: 0.7rem; color: var(--global-palette4, #5F6368); margin-top: 1px; }
.dscr-lender-status {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  flex-shrink: 0;
}
.dscr-lender-pass { background: #dcfce7; color: #15803d; }
.dscr-lender-fail { background: #fee2e2; color: #991b1b; }
.dscr-lender-edge { background: #fef3c7; color: #92400e; }

/* GLOBAL DSCR RESULT */
.dscr-global-result {
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-radius: 12px;
  padding: 14px;
  margin-bottom: 14px;
  display: none;
}
.dscr-global-result.show { display: block; }
.dscr-global-result-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  color: #1d4ed8;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 10px;
}
.dscr-global-row { display: flex; justify-content: space-between; font-size: 0.845rem; padding: 5px 0; border-bottom: 1px dashed #dbeafe; }
.dscr-global-row:last-child { border-bottom: none; font-weight: 700; }
.dscr-global-row span:last-child { font-weight: 700; color: #1d4ed8; font-family: 'Montserrat', 'Inter', sans-serif; }

/* ---- FULL-WIDTH SECTIONS ---- */
.dscr-fw-section {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 26px 28px;
  margin-top: 24px;
  display: none;
}
.dscr-fw-section.show { display: block; }
.dscr-fw-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin-bottom: 5px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.dscr-fw-sub { font-size: 0.8rem; color: var(--global-palette4, #5F6368); margin-bottom: 18px; line-height: 1.55; }

/* REVERSE LOAN QUALIFIER */
.dscr-reverse-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-bottom: 18px; }
.dscr-reverse-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.dscr-rev-card {
  background: linear-gradient(135deg, var(--global-palette1, #002868), #001040);
  border-radius: 12px;
  padding: 16px;
  text-align: center;
}
.dscr-rev-lbl { font-size: 0.68rem; font-weight: 700; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 6px; }
.dscr-rev-val { font-family: 'Montserrat', 'Inter', sans-serif; font-size: 1.1rem; font-weight: 800; color: #fff; }
.dscr-rev-sub { font-size: 0.68rem; color: rgba(255,255,255,0.5); margin-top: 3px; }

/* STRESS TEST TABLE */
.dscr-stress-overflow { overflow-x: auto; }
.dscr-stress-table { width: 100%; border-collapse: collapse; font-size: 0.81rem; min-width: 580px; }
.dscr-stress-table thead tr { background: var(--global-palette1, #002868); }
.dscr-stress-table th { padding: 11px 12px; color: #fff; text-align: center; font-family: 'Montserrat', 'Inter', sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.04em; }
.dscr-stress-table th:first-child { text-align: left; }
.dscr-stress-table td { padding: 9px 12px; border-bottom: 1px solid var(--global-palette5, #E0E4E8); text-align: center; font-weight: 600; }
.dscr-stress-table td:first-child { text-align: left; font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.dscr-stress-table tr.dscr-cur-row td { background: #dbeafe !important; color: #1d4ed8 !important; }
.dscr-stress-table tr:last-child td { border-bottom: none; }
.dscr-td-strong { background: #dcfce7 !important; color: #15803d !important; }
.dscr-td-good { background: #dbeafe !important; color: #1d4ed8 !important; }
.dscr-td-marginal { background: #fef3c7 !important; color: #92400e !important; }
.dscr-td-weak { background: #fed7aa !important; color: #9a3412 !important; }
.dscr-td-critical { background: #fee2e2 !important; color: #991b1b !important; }
.dscr-stress-legend { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }
.dscr-legend-item { display: flex; align-items: center; gap: 6px; font-size: 0.75rem; color: var(--global-palette4, #5F6368); }
.dscr-legend-dot { width: 12px; height: 12px; border-radius: 3px; flex-shrink: 0; }

/* IMPROVEMENT PLANNER */
.dscr-improve-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 18px;
}
.dscr-improve-gap {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 14px 16px;
}
.dscr-improve-gap-lbl { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--global-palette4, #5F6368); margin-bottom: 5px; }
.dscr-improve-gap-val { font-family: 'Montserrat', 'Inter', sans-serif; font-size: 1rem; font-weight: 800; color: var(--global-palette8, #BF0A30); }
.dscr-improve-gap-sub { font-size: 0.71rem; color: var(--global-palette4, #5F6368); margin-top: 3px; }
.dscr-actions-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.dscr-action-card {
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 14px 16px;
  background: var(--global-palette7, #fff);
  transition: box-shadow 0.2s, border-color 0.2s;
}
.dscr-action-card:hover { border-color: var(--global-palette9, #00875A); box-shadow: 0 4px 14px rgba(0,135,90,0.1); }
.dscr-action-hdr { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 8px; }
.dscr-action-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.dscr-action-title { font-family: 'Montserrat', 'Inter', sans-serif; font-size: 0.8rem; font-weight: 800; color: var(--global-palette1, #002868); line-height: 1.2; }
.dscr-action-desc { font-size: 0.78rem; color: var(--global-palette4, #5F6368); line-height: 1.55; }
.dscr-action-impact {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 10px;
  padding: 7px 10px;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: 7px;
  font-size: 0.76rem;
}
.dscr-action-new-dscr { font-weight: 800; color: #15803d; font-family: 'Montserrat', 'Inter', sans-serif; }

/* CHART */
.dscr-chart-wrap { position: relative; height: 320px; }

/* ERROR */
.dscr-error {
  background: #fee2e2;
  border: 1.5px solid #fecaca;
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.875rem;
  color: #991b1b;
  margin-bottom: 14px;
  display: none;
  align-items: center;
  gap: 8px;
}
.dscr-error.show { display: flex; }

/* ---- RESPONSIVE ---- */
@media (max-width: 920px) {
  .dscr-grid { grid-template-columns: 1fr; }
  .dscr-reverse-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .dscr-debt-header, .dscr-debt-row { grid-template-columns: 1.2fr 0.8fr 0.6fr 0.7fr 26px; }
  .dscr-debt-cell:nth-child(4) { display: none; }
  .dscr-debt-header span:nth-child(4) { display: none; }
  .dscr-reverse-grid { grid-template-columns: 1fr; }
  .dscr-reverse-results { grid-template-columns: 1fr; }
  .dscr-actions-grid { grid-template-columns: 1fr; }
  .dscr-improve-intro { grid-template-columns: 1fr; }
  .dscr-global-grid { grid-template-columns: 1fr; }
  .dscr-fw-section { padding: 18px 16px; }
}
@media (max-width: 480px) {
  .dscr-metrics-grid { grid-template-columns: 1fr 1fr; }
  .dscr-share-row { grid-template-columns: 1fr; }
}

/* ================================================
   HOW IT WORKS — CONTENT SECTION STYLES
   Kadence CSS Variable Integration
   ================================================ */

.dscr-content-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1100px;
  margin: 48px auto 0;
  color: var(--global-palette3, #1D1D1F);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION DIVIDER ---- */
.dscr-content-divider {
  border: none;
  border-top: 2px solid var(--global-palette5, #E0E4E8);
  margin: 52px 0;
}

/* ---- HEADINGS ---- */
.dscr-content-wrap h2 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.35rem, 2.5vw, 1.75rem);
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin: 0 0 18px;
  line-height: 1.25;
  scroll-margin-top: 80px;
}
.dscr-content-wrap h3 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.05rem, 2vw, 1.3rem);
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  margin: 32px 0 12px;
  line-height: 1.3;
}
.dscr-content-wrap h4 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 24px 0 8px;
  line-height: 1.35;
}
.dscr-content-wrap p {
  font-size: 0.97rem;
  color: var(--global-palette4, #5F6368);
  margin: 0 0 18px;
  line-height: 1.8;
}
.dscr-content-wrap strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
}
.dscr-content-wrap a {
  color: var(--global-palette1, #002868);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color 0.2s;
}
.dscr-content-wrap a:hover { color: var(--global-palette9, #00875A); }

/* ---- LEAD PARAGRAPH ---- */
.dscr-lead {
  font-size: 1.05rem !important;
  color: var(--global-palette3, #1D1D1F) !important;
  font-weight: 500;
  line-height: 1.8 !important;
  margin-bottom: 24px !important;
}

/* ---- INTRO ALERT BOX ---- */
.dscr-alert-box {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  border-left: 5px solid var(--global-palette1, #002868);
  border-radius: 10px;
  padding: 18px 20px;
  margin: 24px 0;
}
.dscr-alert-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.dscr-alert-text { font-size: 0.9rem; color: #1e3a8a; line-height: 1.65; }
.dscr-alert-text strong { color: #1e3a8a; }

.dscr-alert-box.green  { background: #f0fdf4; border-color: #bbf7d0; border-left-color: var(--global-palette9, #00875A); }
.dscr-alert-box.green .dscr-alert-text { color: #14532d; }
.dscr-alert-box.green .dscr-alert-text strong { color: #14532d; }

.dscr-alert-box.red  { background: #fff1f2; border-color: #fecdd3; border-left-color: var(--global-palette8, #BF0A30); }
.dscr-alert-box.red .dscr-alert-text { color: #881337; }
.dscr-alert-box.red .dscr-alert-text strong { color: #881337; }

/* ---- FORMULA BOX ---- */
.dscr-formula-box {
  background: var(--global-palette1, #002868);
  border-radius: 14px;
  padding: 24px 28px;
  margin: 24px 0;
  text-align: center;
}
.dscr-formula-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 12px;
}
.dscr-formula-main {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.1rem, 2.5vw, 1.4rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.4;
}
.dscr-formula-divider-line {
  border: none;
  border-top: 2px solid rgba(255,255,255,0.3);
  margin: 10px auto;
  width: 80%;
}
.dscr-formula-sub {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
}

/* ---- STEP CARDS ---- */
.dscr-steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 16px;
  margin: 24px 0;
}
.dscr-step-card {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.dscr-step-card:hover {
  border-color: var(--global-palette1, #002868);
  box-shadow: 0 4px 18px rgba(0,40,104,0.09);
}
.dscr-step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: var(--global-palette1, #002868);
  color: #fff;
  border-radius: 50%;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  flex-shrink: 0;
}
.dscr-step-body { flex: 1; min-width: 0; }
.dscr-step-title { font-size: 0.9rem; font-weight: 700; color: var(--global-palette3, #1D1D1F); margin-bottom: 5px; }
.dscr-step-desc { font-size: 0.82rem; color: var(--global-palette4, #5F6368); line-height: 1.6; margin: 0; }

/* ---- LENDER THRESHOLD TABLE ---- */
.dscr-thresh-table-wrap { overflow-x: auto; margin: 24px 0; }
.dscr-thresh-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; min-width: 560px; }
.dscr-thresh-table thead tr { background: var(--global-palette1, #002868); }
.dscr-thresh-table th {
  padding: 12px 16px;
  color: #fff;
  text-align: left;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.dscr-thresh-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  vertical-align: top;
}
.dscr-thresh-table td:first-child { font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.dscr-thresh-table tr:nth-child(even) td { background: var(--global-palette6, #F7F9FC); }
.dscr-thresh-table tr:last-child td { border-bottom: none; }
.dscr-thresh-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 3px 10px;
  border-radius: 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
}
.dscr-thresh-badge.min  { background: #fef3c7; color: #92400e; }
.dscr-thresh-badge.good { background: #dbeafe; color: #1d4ed8; }
.dscr-thresh-badge.best { background: #dcfce7; color: #15803d; }

/* ---- EXAMPLE SCENARIO CARD ---- */
.dscr-example-card {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 24px 26px;
  margin: 24px 0;
}
.dscr-example-hdr {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 18px;
}
.dscr-example-icon { font-size: 1.6rem; }
.dscr-example-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
}
.dscr-example-subtitle { font-size: 0.78rem; color: var(--global-palette4, #5F6368); }
.dscr-example-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 12px; }
.dscr-example-item {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px;
  padding: 12px 14px;
}
.dscr-example-item-lbl { font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--global-palette4, #5F6368); margin-bottom: 4px; }
.dscr-example-item-val { font-family: 'Montserrat', 'Inter', sans-serif; font-size: 0.95rem; font-weight: 800; color: var(--global-palette1, #002868); }
.dscr-example-result {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 10px;
  font-size: 0.9rem;
}
.dscr-example-result.pass { background: #dcfce7; border: 1.5px solid #bbf7d0; color: #15803d; }
.dscr-example-result.fail { background: #fee2e2; border: 1.5px solid #fecaca; color: #991b1b; }
.dscr-example-result strong { font-weight: 700; }

/* ---- COMPARISON CARDS ---- */
.dscr-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0;
}
.dscr-compare-card {
  border-radius: 12px;
  padding: 18px 20px;
  border: 1.5px solid;
}
.dscr-compare-card.good { background: #f0fdf4; border-color: #bbf7d0; }
.dscr-compare-card.bad  { background: #fff1f2; border-color: #fecdd3; }
.dscr-compare-card-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.dscr-compare-card.good .dscr-compare-card-title { color: #15803d; }
.dscr-compare-card.bad  .dscr-compare-card-title { color: #991b1b; }
.dscr-compare-card ul { margin: 0; padding-left: 18px; }
.dscr-compare-card ul li { font-size: 0.85rem; color: var(--global-palette4, #5F6368); margin-bottom: 5px; line-height: 1.55; }

/* ---- FAQ SECTION ---- */
.dscr-faq-wrap { margin: 24px 0; }
.dscr-faq-item {
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.dscr-faq-item:hover { box-shadow: 0 3px 12px rgba(0,40,104,0.07); }
.dscr-faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  cursor: pointer;
  background: var(--global-palette7, #fff);
  user-select: none;
  gap: 12px;
}
.dscr-faq-question:hover { background: var(--global-palette6, #F7F9FC); }
.dscr-faq-q-text {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  line-height: 1.4;
  flex: 1;
}
.dscr-faq-arrow {
  font-size: 0.75rem;
  color: var(--global-palette4, #5F6368);
  transition: transform 0.25s;
  flex-shrink: 0;
}
.dscr-faq-item.open .dscr-faq-arrow { transform: rotate(180deg); }
.dscr-faq-answer {
  display: none;
  padding: 0 20px 16px;
  background: var(--global-palette7, #fff);
  font-size: 0.875rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.75;
  border-top: 1px solid var(--global-palette5, #E0E4E8);
}
.dscr-faq-item.open .dscr-faq-answer { display: block; }
.dscr-faq-answer p { margin: 12px 0 0; }
.dscr-faq-answer p:first-child { margin-top: 14px; }

/* ---- METRIC EXPLAIN CARDS ---- */
.dscr-metric-explain-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 14px;
  margin: 24px 0;
}
.dscr-metric-explain-card {
  background: var(--global-palette7, #fff);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 16px 18px;
  border-top: 4px solid var(--global-palette1, #002868);
}
.dscr-metric-explain-card.green { border-top-color: var(--global-palette9, #00875A); }
.dscr-metric-explain-card.red   { border-top-color: var(--global-palette8, #BF0A30); }
.dscr-metric-explain-card.blue  { border-top-color: #1d4ed8; }
.dscr-metric-explain-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.dscr-metric-explain-formula {
  font-size: 0.75rem;
  background: var(--global-palette6, #F7F9FC);
  border-radius: 6px;
  padding: 5px 10px;
  color: var(--global-palette1, #002868);
  font-weight: 600;
  font-family: 'Montserrat', 'Inter', sans-serif;
  margin-bottom: 8px;
  display: inline-block;
}
.dscr-metric-explain-desc {
  font-size: 0.815rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
  margin: 0;
}

/* ---- NUMBERED LIST ---- */
.dscr-content-wrap ol {
  padding-left: 22px;
  margin: 0 0 18px;
}
.dscr-content-wrap ol li {
  font-size: 0.95rem;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 8px;
  line-height: 1.7;
  padding-left: 4px;
}
.dscr-content-wrap ul {
  padding-left: 20px;
  margin: 0 0 18px;
}
.dscr-content-wrap ul li {
  font-size: 0.95rem;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 7px;
  line-height: 1.7;
  padding-left: 4px;
}

/* ---- TOC ---- */
.dscr-toc {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-left: 5px solid var(--global-palette1, #002868);
  border-radius: 12px;
  padding: 20px 24px;
  margin: 0 0 36px;
}
.dscr-toc-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette1, #002868);
  margin-bottom: 12px;
}
.dscr-toc ol {
  margin: 0;
  padding-left: 18px;
  counter-reset: none;
}
.dscr-toc ol li {
  font-size: 0.88rem;
  color: var(--global-palette1, #002868);
  margin-bottom: 5px;
  line-height: 1.5;
}
.dscr-toc ol li a { color: var(--global-palette1, #002868); font-weight: 600; text-decoration: none; }
.dscr-toc ol li a:hover { text-decoration: underline; }

/* ---- CTA BLOCK ---- */
.dscr-cta-block {
  background: linear-gradient(135deg, var(--global-palette1, #002868), #001040);
  border-radius: 16px;
  padding: 32px 36px;
  text-align: center;
  margin: 40px 0;
}
.dscr-cta-block h3 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 10px;
}
.dscr-cta-block p { color: rgba(255,255,255,0.7); font-size: 0.9rem; margin: 0 0 20px; }
.dscr-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  background: var(--global-palette9, #00875A);
  color: #fff;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
}
.dscr-cta-btn:hover { background: #006E49; transform: translateY(-2px); color: #fff; }

/* ---- RESPONSIVE ---- */
@media (max-width: 700px) {
  .dscr-compare-grid { grid-template-columns: 1fr; }
  .dscr-example-grid { grid-template-columns: 1fr 1fr; }
  .dscr-content-wrap h2 { font-size: 1.25rem; }
  .dscr-cta-block { padding: 24px 20px; }
  .dscr-formula-main { font-size: 1rem; }
}

/* ================================================
   DSCR REAL EXAMPLES — CSS
   USFinanceCalculators.com — Kadence Integration
   ================================================ */

.dscr-examples-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dscr-ex-header {
  text-align: center;
  padding: 44px 28px 36px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 18px;
  margin-bottom: 40px;
  color: #fff;
}
.dscr-ex-header-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.13);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 20px;
  padding: 5px 16px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.88);
  margin-bottom: 18px;
}
.dscr-ex-header h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.4rem, 3vw, 2rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 14px !important;
  line-height: 1.2 !important;
}
.dscr-ex-header p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.8);
  max-width: 720px;
  margin: 0 auto 28px;
  line-height: 1.7;
}
.dscr-ex-header-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
}
.dscr-ex-pill {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 20px;
  padding: 6px 15px;
  font-size: 0.78rem;
  font-weight: 600;
  color: #fff;
}

/* ---- EXAMPLE CARD ---- */
.dscr-ex-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 36px;
  box-shadow: 0 4px 24px rgba(0,40,104,0.07);
  transition: box-shadow 0.25s, transform 0.2s;
}
.dscr-ex-card:hover {
  box-shadow: 0 12px 40px rgba(0,40,104,0.13);
  transform: translateY(-3px);
}

/* ---- CARD HEADER ---- */
.dscr-ex-card-header {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 28px 32px;
  position: relative;
  overflow: hidden;
}
.dscr-ex-card-header::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
}
/* Color variants */
.dscr-ex-header-green  { background: linear-gradient(135deg, #064e3b 0%, #065f46 100%); }
.dscr-ex-header-green::after  { background: #10b981; }
.dscr-ex-header-yellow { background: linear-gradient(135deg, #78350f 0%, #92400e 100%); }
.dscr-ex-header-yellow::after { background: #f59e0b; }
.dscr-ex-header-red    { background: linear-gradient(135deg, #7f1d1d 0%, #991b1b 100%); }
.dscr-ex-header-red::after    { background: #ef4444; }
.dscr-ex-header-blue   { background: linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 100%); }
.dscr-ex-header-blue::after   { background: #60a5fa; }
.dscr-ex-header-purple { background: linear-gradient(135deg, #4c1d95 0%, #5b21b6 100%); }
.dscr-ex-header-purple::after { background: #a78bfa; }

.dscr-ex-avatar {
  font-size: 3rem;
  background: rgba(255,255,255,0.12);
  border-radius: 14px;
  width: 76px;
  height: 76px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 1.5px solid rgba(255,255,255,0.18);
}
.dscr-ex-card-meta { flex: 1; color: #fff; }
.dscr-ex-card-number {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 6px;
}
.dscr-ex-card-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 6px;
  line-height: 1.25;
}
.dscr-ex-card-subtitle {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 12px;
  line-height: 1.5;
}
.dscr-ex-card-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
}
.dscr-ex-tag {
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 12px;
  padding: 3px 11px;
  font-size: 0.72rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
}
.dscr-ex-verdict-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border-radius: 14px;
  min-width: 110px;
  text-align: center;
  flex-shrink: 0;
  gap: 4px;
}
.dscr-ex-verdict-badge .vb-icon { font-size: 1.8rem; line-height: 1; }
.dscr-ex-verdict-badge .vb-dscr {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  line-height: 1;
}
.dscr-ex-verdict-badge .vb-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.vb-green  { background: rgba(16,185,129,0.18); border: 1.5px solid rgba(16,185,129,0.35); color: #6ee7b7; }
.vb-yellow { background: rgba(245,158,11,0.18); border: 1.5px solid rgba(245,158,11,0.35); color: #fde68a; }
.vb-red    { background: rgba(239,68,68,0.18);  border: 1.5px solid rgba(239,68,68,0.35);  color: #fca5a5; }
.vb-blue   { background: rgba(96,165,250,0.18); border: 1.5px solid rgba(96,165,250,0.35); color: #bfdbfe; }
.vb-purple { background: rgba(167,139,250,0.18);border: 1.5px solid rgba(167,139,250,0.35);color: #ddd6fe; }

/* ---- CARD BODY ---- */
.dscr-ex-body { padding: 32px; }

/* ---- SCENARIO INTRO ---- */
.dscr-ex-scenario {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 20px 24px;
  margin-bottom: 26px;
  font-size: 0.9rem;
  line-height: 1.75;
  color: var(--global-palette4, #5F6368);
}
.dscr-ex-scenario strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
}
.dscr-ex-scenario em {
  font-style: normal;
  background: rgba(0,40,104,0.07);
  border-radius: 4px;
  padding: 1px 6px;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  font-size: 0.87rem;
}

/* ---- INPUTS GRID ---- */
.dscr-ex-section-lbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin: 0 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8);
  display: block;
}
.dscr-ex-inputs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 12px;
  margin-bottom: 26px;
}
.dscr-ex-input-item {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 11px;
  padding: 14px 16px;
  transition: box-shadow 0.2s;
}
.dscr-ex-input-item:hover {
  box-shadow: 0 3px 12px rgba(0,40,104,0.08);
}
.dscr-ex-input-lbl {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 5px;
}
.dscr-ex-input-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  line-height: 1.2;
}
.dscr-ex-input-sub {
  font-size: 0.7rem;
  color: var(--global-palette4, #5F6368);
  margin-top: 3px;
}

/* ---- CALCULATION STEPS ---- */
.dscr-ex-calc-box {
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 26px;
}
.dscr-ex-calc-header {
  background: var(--global-palette1, #002868);
  color: #fff;
  padding: 12px 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  display: flex;
  align-items: center;
  gap: 8px;
}
.dscr-ex-calc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 20px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  font-size: 0.875rem;
  gap: 12px;
  transition: background 0.15s;
}
.dscr-ex-calc-row:last-child { border-bottom: none; }
.dscr-ex-calc-row:nth-child(even) { background: var(--global-palette6, #F7F9FC); }
.dscr-ex-calc-row:hover { background: rgba(0,40,104,0.04); }
.dscr-ex-calc-lbl { color: var(--global-palette4, #5F6368); flex: 1; }
.dscr-ex-calc-lbl code {
  font-family: 'Courier New', monospace;
  background: rgba(0,40,104,0.07);
  border-radius: 4px;
  padding: 1px 6px;
  font-size: 0.83rem;
  color: var(--global-palette1, #002868);
}
.dscr-ex-calc-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  font-size: 0.9rem;
  white-space: nowrap;
}
/* Total / final row */
.dscr-ex-calc-row.dscr-final {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%) !important;
  padding: 14px 20px;
}
.dscr-ex-calc-row.dscr-final .dscr-ex-calc-lbl {
  color: rgba(255,255,255,0.8);
  font-weight: 700;
  font-size: 0.9rem;
}
.dscr-ex-calc-row.dscr-final .dscr-ex-calc-val {
  color: #fff;
  font-size: 1.15rem;
}
/* Subtotal row */
.dscr-ex-calc-row.dscr-subtotal {
  background: rgba(0,40,104,0.06) !important;
  border-top: 2px solid var(--global-palette5, #E0E4E8) !important;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8) !important;
}
.dscr-ex-calc-row.dscr-subtotal .dscr-ex-calc-lbl {
  font-weight: 700;
  color: var(--global-palette1, #002868);
}
/* Warning row */
.dscr-ex-calc-row.dscr-warn {
  background: #fef3c7 !important;
}
.dscr-ex-calc-row.dscr-warn .dscr-ex-calc-lbl,
.dscr-ex-calc-row.dscr-warn .dscr-ex-calc-val { color: #92400e; }

/* ---- VERDICT STRIP ---- */
.dscr-ex-verdict-strip {
  display: flex;
  align-items: stretch;
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 26px;
  border: 1.5px solid transparent;
}
.dscr-ex-verdict-strip.vs-green { border-color: #bbf7d0; }
.dscr-ex-verdict-strip.vs-yellow { border-color: #fde68a; }
.dscr-ex-verdict-strip.vs-red { border-color: #fecaca; }
.dscr-ex-verdict-strip.vs-blue { border-color: #bfdbfe; }
.dscr-ex-verdict-strip.vs-purple { border-color: #ddd6fe; }

.dscr-ex-verdict-left {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  padding: 20px 24px;
  min-width: 130px;
  text-align: center;
  flex-shrink: 0;
  gap: 5px;
}
.vs-green  .dscr-ex-verdict-left { background: #dcfce7; }
.vs-yellow .dscr-ex-verdict-left { background: #fef3c7; }
.vs-red    .dscr-ex-verdict-left { background: #fee2e2; }
.vs-blue   .dscr-ex-verdict-left { background: #eff6ff; }
.vs-purple .dscr-ex-verdict-left { background: #f5f3ff; }

.dscr-vl-icon { font-size: 2rem; line-height: 1; }
.dscr-vl-score {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.6rem;
  font-weight: 900;
  line-height: 1;
}
.vs-green  .dscr-vl-score { color: #15803d; }
.vs-yellow .dscr-vl-score { color: #92400e; }
.vs-red    .dscr-vl-score { color: #991b1b; }
.vs-blue   .dscr-vl-score { color: #1d4ed8; }
.vs-purple .dscr-vl-score { color: #5b21b6; }

.dscr-vl-label {
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}
.vs-green  .dscr-vl-label { color: #15803d; }
.vs-yellow .dscr-vl-label { color: #92400e; }
.vs-red    .dscr-vl-label { color: #991b1b; }
.vs-blue   .dscr-vl-label { color: #1d4ed8; }
.vs-purple .dscr-vl-label { color: #5b21b6; }

.dscr-ex-verdict-right {
  flex: 1;
  padding: 18px 22px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 8px;
}
.vs-green  .dscr-ex-verdict-right { background: #f0fdf4; }
.vs-yellow .dscr-ex-verdict-right { background: #fffbeb; }
.vs-red    .dscr-ex-verdict-right { background: #fff1f2; }
.vs-blue   .dscr-ex-verdict-right { background: #eff6ff; }
.vs-purple .dscr-ex-verdict-right { background: #faf5ff; }

.dscr-vr-headline {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  line-height: 1.3;
}
.vs-green  .dscr-vr-headline { color: #14532d; }
.vs-yellow .dscr-vr-headline { color: #78350f; }
.vs-red    .dscr-vr-headline { color: #7f1d1d; }
.vs-blue   .dscr-vr-headline { color: #1e3a8a; }
.vs-purple .dscr-vr-headline { color: #4c1d95; }

.dscr-vr-detail {
  font-size: 0.85rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
}
.dscr-vr-lender-row {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  margin-top: 4px;
}
.dscr-lender-chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 3px 11px;
  border-radius: 10px;
  font-size: 0.72rem;
  font-weight: 700;
}
.lc-sba    { background: #dcfce7; color: #15803d; }
.lc-conv   { background: #dbeafe; color: #1e40af; }
.lc-cdfi   { background: #fef3c7; color: #92400e; }
.lc-denial { background: #fee2e2; color: #991b1b; }
.lc-info   { background: #f5f3ff; color: #5b21b6; }

/* ---- COMPARISON GRID (before/after) ---- */
.dscr-ex-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 26px;
}
.dscr-ex-compare-item {
  border-radius: 12px;
  padding: 16px 18px;
}
.dscr-compare-before { background: #fff1f2; border: 1.5px solid #fecaca; }
.dscr-compare-after  { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.dscr-compare-neutral { background: #eff6ff; border: 1.5px solid #bfdbfe; }
.dscr-ex-compare-item .dci-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 10px;
  display: block;
}
.dscr-compare-before  .dci-title { color: #991b1b; }
.dscr-compare-after   .dci-title { color: #14532d; }
.dscr-compare-neutral .dci-title { color: #1e3a8a; }
.dci-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  border-bottom: 1px dashed rgba(0,0,0,0.08);
  font-size: 0.84rem;
  gap: 8px;
}
.dci-row:last-child { border-bottom: none; }
.dci-row span:first-child { color: var(--global-palette4, #5F6368); flex: 1; }
.dci-row span:last-child {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.87rem;
  flex-shrink: 0;
}
.dscr-compare-before  .dci-row span:last-child { color: #991b1b; }
.dscr-compare-after   .dci-row span:last-child { color: #15803d; }
.dscr-compare-neutral .dci-row span:last-child { color: #1d4ed8; }

/* ---- PRO TIP BOX ---- */
.dscr-ex-tip {
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-left: 4px solid var(--global-palette1, #002868);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 0;
  display: flex;
  gap: 13px;
  align-items: flex-start;
}
.dscr-ex-tip-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.dscr-ex-tip-text { font-size: 0.875rem; line-height: 1.7; color: var(--global-palette4, #5F6368); }
.dscr-ex-tip-text strong {
  display: block;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin-bottom: 5px;
}

/* ---- FORMULA CALLOUT ---- */
.dscr-ex-formula {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.14);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 22px;
  font-family: 'Courier New', monospace;
  font-size: 0.88rem;
  color: var(--global-palette1, #002868);
  line-height: 1.8;
}
.dscr-ex-formula-lbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 8px;
  display: block;
}

/* ---- EXAMPLE DIVIDER ---- */
.dscr-ex-divider {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 36px 0;
  color: var(--global-palette4, #5F6368);
  font-size: 0.78rem;
  font-weight: 600;
}
.dscr-ex-divider::before,
.dscr-ex-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--global-palette5, #E0E4E8);
}

/* ---- SENSITIVITY MINI TABLE ---- */
.dscr-ex-mini-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  margin-bottom: 22px;
}
.dscr-ex-mini-table thead tr {
  background: var(--global-palette1, #002868);
}
.dscr-ex-mini-table th {
  padding: 10px 14px;
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-align: left;
}
.dscr-ex-mini-table td {
  padding: 9px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
}
.dscr-ex-mini-table tr:nth-child(even) td {
  background: var(--global-palette6, #F7F9FC);
}
.dscr-ex-mini-table tr.current-row td {
  background: #dcfce7 !important;
  font-weight: 700;
  color: #15803d !important;
}
.dscr-ex-mini-table tr:last-child td { border-bottom: none; }
.dscr-ex-mini-table-wrap { overflow-x: auto; margin-bottom: 22px; }

/* ---- SEASONAL BAR CHART ---- */
.dscr-seasonal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}
.dscr-seasonal-qtr {
  border-radius: 12px;
  padding: 16px 14px;
  text-align: center;
  border: 1.5px solid transparent;
}
.dscr-seasonal-qtr.sq-danger  { background: #fff1f2; border-color: #fecaca; }
.dscr-seasonal-qtr.sq-warning { background: #fffbeb; border-color: #fde68a; }
.dscr-seasonal-qtr.sq-ok      { background: #f0fdf4; border-color: #bbf7d0; }
.dscr-seasonal-qtr.sq-great   { background: #eff6ff; border-color: #bfdbfe; }
.dscr-sq-qtr {
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 6px;
}
.sq-danger  .dscr-sq-qtr  { color: #991b1b; }
.sq-warning .dscr-sq-qtr  { color: #92400e; }
.sq-ok      .dscr-sq-qtr  { color: #14532d; }
.sq-great   .dscr-sq-qtr  { color: #1e3a8a; }
.dscr-sq-ebitda {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  margin-bottom: 4px;
}
.sq-danger  .dscr-sq-ebitda { color: #b91c1c; }
.sq-warning .dscr-sq-ebitda { color: #78350f; }
.sq-ok      .dscr-sq-ebitda { color: #15803d; }
.sq-great   .dscr-sq-ebitda { color: #1d4ed8; }
.dscr-sq-dscr {
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.sq-danger  .dscr-sq-dscr { color: #991b1b; }
.sq-warning .dscr-sq-dscr { color: #92400e; }
.sq-ok      .dscr-sq-dscr { color: #15803d; }
.sq-great   .dscr-sq-dscr { color: #1d4ed8; }
.dscr-sq-status {
  font-size: 0.67rem;
  font-weight: 700;
}

/* ---- REVERSE QUALIFIER OUTPUT ---- */
.dscr-ex-reverse-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}
.dscr-ex-reverse-card {
  border-radius: 13px;
  padding: 18px 16px;
  text-align: center;
}
.drc-conservative { background: #eff6ff; border: 1.5px solid #bfdbfe; }
.drc-standard     { background: #dcfce7; border: 2.5px solid #86efac; }
.drc-aggressive   { background: #fef3c7; border: 1.5px solid #fde68a; }
.drc-type {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.drc-conservative .drc-type { color: #1d4ed8; }
.drc-standard     .drc-type { color: #15803d; }
.drc-aggressive   .drc-type { color: #92400e; }
.drc-target {
  font-size: 0.78rem;
  font-weight: 600;
  margin-bottom: 8px;
}
.drc-conservative .drc-target { color: #3b82f6; }
.drc-standard     .drc-target { color: #22c55e; }
.drc-aggressive   .drc-target { color: #f59e0b; }
.drc-amount {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.25rem;
  font-weight: 900;
  margin-bottom: 5px;
  line-height: 1.1;
}
.drc-conservative .drc-amount { color: #1e40af; }
.drc-standard     .drc-amount { color: #14532d; }
.drc-aggressive   .drc-amount { color: #78350f; }
.drc-sub { font-size: 0.7rem; color: var(--global-palette4, #5F6368); }
.drc-best-badge {
  display: inline-block;
  background: #15803d;
  color: #fff;
  font-size: 0.62rem;
  font-weight: 800;
  padding: 2px 8px;
  border-radius: 8px;
  margin-top: 5px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .dscr-ex-card-header { flex-wrap: wrap; padding: 22px 20px; }
  .dscr-ex-verdict-badge { min-width: auto; flex-direction: row; gap: 10px; padding: 10px 16px; width: 100%; justify-content: flex-start; }
  .dscr-ex-body { padding: 20px; }
  .dscr-ex-compare { grid-template-columns: 1fr; }
  .dscr-seasonal-grid { grid-template-columns: repeat(2, 1fr); }
  .dscr-ex-reverse-grid { grid-template-columns: 1fr; }
  .dscr-ex-inputs-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .dscr-ex-inputs-grid { grid-template-columns: 1fr 1fr; }
  .dscr-ex-card-header { padding: 18px 16px; gap: 14px; }
  .dscr-ex-avatar { width: 58px; height: 58px; font-size: 2.2rem; }
  .dscr-ex-card-title { font-size: 1.05rem; }
}

<!-- ============================================================
     DSCR CALCULATOR — 5 PRO TIPS SECTION
     USFinanceCalculators.com | Kadence Integration 2026
     ============================================================ -->

/* ================================================
   DSCR PRO TIPS — CSS
   USFinanceCalculators.com — Kadence Integration
   ================================================ */

.dscr-tips-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dscr-tips-header {
  text-align: center;
  padding: 46px 28px 38px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 18px;
  margin-bottom: 40px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.dscr-tips-header::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}
.dscr-tips-header::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -40px;
  width: 280px; height: 280px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}
.dscr-tips-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.13);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 20px;
  padding: 5px 16px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.88);
  margin-bottom: 18px;
  position: relative;
  z-index: 1;
}
.dscr-tips-header h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.4rem, 3vw, 2rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 14px !important;
  line-height: 1.2 !important;
  position: relative;
  z-index: 1;
}
.dscr-tips-header p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.78);
  max-width: 720px;
  margin: 0 auto 28px;
  line-height: 1.7;
  position: relative;
  z-index: 1;
}
.dscr-tips-impact-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  position: relative;
  z-index: 1;
}
.dscr-tips-impact-pill {
  background: rgba(255,255,255,0.11);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 10px;
  padding: 8px 16px;
  font-size: 0.78rem;
  font-weight: 700;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 6px;
}
.dscr-tips-impact-pill .tip-pill-delta {
  background: rgba(255,255,255,0.18);
  border-radius: 6px;
  padding: 2px 8px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 900;
  color: #6ee7b7;
}

/* ---- TIP CARD ---- */
.dscr-tip-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 32px;
  box-shadow: 0 4px 20px rgba(0,40,104,0.06);
  transition: box-shadow 0.25s, transform 0.2s;
}
.dscr-tip-card:hover {
  box-shadow: 0 10px 36px rgba(0,40,104,0.11);
  transform: translateY(-3px);
}

/* ---- TIP CARD HEADER ---- */
.dscr-tip-header {
  display: flex;
  align-items: center;
  gap: 0;
  position: relative;
}
.dscr-tip-number-block {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 72px;
  min-height: 80px;
  flex-shrink: 0;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 2rem;
  font-weight: 900;
  color: rgba(255,255,255,0.9);
}
.dscr-tip-header-content {
  flex: 1;
  padding: 20px 24px 20px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.dscr-tip-title-group {}
.dscr-tip-kicker {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
  opacity: 0.75;
}
.dscr-tip-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1rem, 2.5vw, 1.3rem);
  font-weight: 800;
  line-height: 1.25;
  margin: 0 0 6px;
}
.dscr-tip-subtitle {
  font-size: 0.85rem;
  opacity: 0.82;
  line-height: 1.5;
  margin: 0;
  max-width: 560px;
}
.dscr-tip-impact-badge {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  padding: 12px 18px;
  text-align: center;
  flex-shrink: 0;
  min-width: 100px;
  gap: 3px;
  background: rgba(255,255,255,0.14);
  border: 1.5px solid rgba(255,255,255,0.2);
}
.tip-badge-label {
  font-size: 0.6rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.7;
}
.tip-badge-value {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.2rem;
  font-weight: 900;
  line-height: 1;
  color: #6ee7b7;
}
.tip-badge-sub {
  font-size: 0.62rem;
  opacity: 0.7;
  line-height: 1.3;
}

/* Color themes per tip */
.dscr-tip-theme-blue   { background: linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 100%); color: #fff; }
.dscr-tip-theme-green  { background: linear-gradient(135deg, #064e3b 0%, #059669 100%); color: #fff; }
.dscr-tip-theme-orange { background: linear-gradient(135deg, #7c2d12 0%, #c2410c 100%); color: #fff; }
.dscr-tip-theme-purple { background: linear-gradient(135deg, #4c1d95 0%, #7c3aed 100%); color: #fff; }
.dscr-tip-theme-teal   { background: linear-gradient(135deg, #134e4a 0%, #0d9488 100%); color: #fff; }

/* Accent left border colors */
.dscr-tip-card.tip-blue   { border-left: 4px solid #1d4ed8; }
.dscr-tip-card.tip-green  { border-left: 4px solid #059669; }
.dscr-tip-card.tip-orange { border-left: 4px solid #c2410c; }
.dscr-tip-card.tip-purple { border-left: 4px solid #7c3aed; }
.dscr-tip-card.tip-teal   { border-left: 4px solid #0d9488; }

/* ---- TIP BODY ---- */
.dscr-tip-body { padding: 30px 32px; }

/* ---- SECTION LABEL ---- */
.dscr-tip-section-lbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin: 0 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8);
  display: block;
}

/* ---- INTRO PARAGRAPH ---- */
.dscr-tip-intro {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 13px;
  padding: 18px 22px;
  margin-bottom: 26px;
  font-size: 0.9rem;
  line-height: 1.78;
  color: var(--global-palette4, #5F6368);
}
.dscr-tip-intro strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
}
.dscr-tip-intro em {
  font-style: normal;
  background: rgba(0,40,104,0.07);
  border-radius: 4px;
  padding: 1px 6px;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  font-size: 0.87rem;
}

/* ---- IMPACT METER ---- */
.dscr-impact-meter-wrap {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 13px;
  padding: 18px 20px;
  margin-bottom: 26px;
}
.dscr-impact-meter-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 14px;
}
.dscr-impact-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.dscr-impact-row:last-child { margin-bottom: 0; }
.dscr-impact-lbl {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  width: 140px;
  flex-shrink: 0;
}
.dscr-impact-track {
  flex: 1;
  height: 10px;
  background: var(--global-palette5, #E0E4E8);
  border-radius: 5px;
  overflow: hidden;
}
.dscr-impact-fill {
  height: 100%;
  border-radius: 5px;
  transition: width 0.8s ease;
}
.dscr-fill-blue   { background: linear-gradient(90deg, #1d4ed8, #60a5fa); }
.dscr-fill-green  { background: linear-gradient(90deg, #059669, #34d399); }
.dscr-fill-orange { background: linear-gradient(90deg, #c2410c, #fb923c); }
.dscr-fill-purple { background: linear-gradient(90deg, #7c3aed, #c084fc); }
.dscr-fill-teal   { background: linear-gradient(90deg, #0d9488, #2dd4bf); }
.dscr-impact-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 800;
  width: 55px;
  text-align: right;
  flex-shrink: 0;
}

/* ---- CHECKLIST ---- */
.dscr-checklist {
  list-style: none;
  padding: 0;
  margin: 0 0 26px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.dscr-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 16px;
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px;
  font-size: 0.875rem;
  line-height: 1.65;
  color: var(--global-palette4, #5F6368);
  transition: box-shadow 0.2s, border-color 0.2s;
}
.dscr-checklist li:hover {
  box-shadow: 0 3px 12px rgba(0,40,104,0.07);
  border-color: rgba(0,40,104,0.2);
}
.dscr-checklist li strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
  display: block;
  margin-bottom: 2px;
}
.dscr-check-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.dscr-checklist li .check-body { flex: 1; }

/* ---- BEFORE/AFTER GRID ---- */
.dscr-ba-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 26px;
}
.dscr-ba-card {
  border-radius: 13px;
  padding: 18px 20px;
}
.dscr-ba-before { background: #fff1f2; border: 1.5px solid #fecaca; }
.dscr-ba-after  { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.dscr-ba-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: block;
}
.dscr-ba-before .dscr-ba-title { color: #991b1b; }
.dscr-ba-after  .dscr-ba-title { color: #14532d; }
.dscr-ba-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  border-bottom: 1px dashed rgba(0,0,0,0.08);
  font-size: 0.84rem;
  gap: 8px;
}
.dscr-ba-row:last-child { border-bottom: none; }
.dscr-ba-row span:first-child { color: var(--global-palette4, #5F6368); flex: 1; }
.dscr-ba-row span:last-child {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 800;
  font-size: 0.87rem;
  flex-shrink: 0;
}
.dscr-ba-before .dscr-ba-row span:last-child { color: #b91c1c; }
.dscr-ba-after  .dscr-ba-row span:last-child { color: #15803d; }
.dscr-ba-dscr-big {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.6rem;
  font-weight: 900;
  text-align: center;
  margin-top: 12px;
  padding-top: 10px;
  border-top: 2px solid rgba(0,0,0,0.08);
}
.dscr-ba-before .dscr-ba-dscr-big { color: #991b1b; }
.dscr-ba-after  .dscr-ba-dscr-big { color: #15803d; }
.dscr-ba-dscr-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  display: block;
  margin-bottom: 3px;
}
.dscr-ba-before .dscr-ba-dscr-label { color: #991b1b; }
.dscr-ba-after  .dscr-ba-dscr-label { color: #14532d; }

/* ---- ADDBACK TABLE ---- */
.dscr-addback-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.83rem;
  margin-bottom: 26px;
}
.dscr-addback-table thead tr {
  background: var(--global-palette1, #002868);
}
.dscr-addback-table th {
  padding: 11px 14px;
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-align: left;
}
.dscr-addback-table td {
  padding: 10px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  vertical-align: top;
  line-height: 1.55;
}
.dscr-addback-table tr:nth-child(even) td {
  background: var(--global-palette6, #F7F9FC);
}
.dscr-addback-table tr:last-child td { border-bottom: none; }
.dscr-addback-table td:first-child {
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
}
.dscr-addback-table td.at-allowed {
  color: #15803d;
  font-weight: 700;
}
.dscr-addback-table td.at-partial {
  color: #92400e;
  font-weight: 700;
}
.dscr-addback-table td.at-denied {
  color: #991b1b;
  font-weight: 700;
}
.dscr-addback-table .at-total-row td {
  background: linear-gradient(135deg, var(--global-palette1,#002868), #00183F) !important;
  color: #fff !important;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 700;
}
.dscr-addback-overflow { overflow-x: auto; margin-bottom: 26px; }

/* ---- TIMELINE (90-day plan) ---- */
.dscr-timeline {
  position: relative;
  padding-left: 36px;
  margin-bottom: 26px;
}
.dscr-timeline::before {
  content: '';
  position: absolute;
  left: 14px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  background: var(--global-palette5, #E0E4E8);
}
.dscr-tl-item {
  position: relative;
  margin-bottom: 16px;
}
.dscr-tl-item:last-child { margin-bottom: 0; }
.dscr-tl-dot {
  position: absolute;
  left: -28px;
  top: 14px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  border: 2px solid var(--global-palette7, #FFFFFF);
  box-shadow: 0 0 0 2px var(--global-palette5, #E0E4E8);
}
.dscr-tl-dot.tl-blue   { background: #1d4ed8; box-shadow: 0 0 0 2px #bfdbfe; }
.dscr-tl-dot.tl-green  { background: #059669; box-shadow: 0 0 0 2px #bbf7d0; }
.dscr-tl-dot.tl-orange { background: #c2410c; box-shadow: 0 0 0 2px #fed7aa; }
.dscr-tl-dot.tl-red    { background: #dc2626; box-shadow: 0 0 0 2px #fecaca; }
.dscr-tl-dot.tl-purple { background: #7c3aed; box-shadow: 0 0 0 2px #ddd6fe; }
.dscr-tl-dot.tl-teal   { background: #0d9488; box-shadow: 0 0 0 2px #99f6e4; }
.dscr-tl-content {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 11px;
  padding: 14px 18px;
  transition: box-shadow 0.2s;
}
.dscr-tl-content:hover { box-shadow: 0 3px 12px rgba(0,40,104,0.08); }
.dscr-tl-phase {
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.tl-blue   .dscr-tl-phase { color: #1d4ed8; }
.tl-green  .dscr-tl-phase { color: #059669; }
.tl-orange .dscr-tl-phase { color: #c2410c; }
.tl-red    .dscr-tl-phase { color: #dc2626; }
.tl-purple .dscr-tl-phase { color: #7c3aed; }
.tl-teal   .dscr-tl-phase { color: #0d9488; }
.dscr-tl-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 5px;
}
.dscr-tl-detail {
  font-size: 0.83rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
}
.dscr-tl-detail strong { color: var(--global-palette3, #1D1D1F); font-weight: 700; }

/* ---- INFO/ALERT BOXES ---- */
.dscr-tip-alert {
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 22px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.dscr-tip-alert-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 1px; }
.dscr-tip-alert-body { flex: 1; font-size: 0.875rem; line-height: 1.7; }
.dscr-tip-alert-body strong {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 5px;
}
.dscr-alert-blue   { background: #eff6ff; border: 1.5px solid #bfdbfe; }
.dscr-alert-blue   .dscr-tip-alert-body { color: #1e40af; }
.dscr-alert-blue   .dscr-tip-alert-body strong { color: #1e3a8a; }
.dscr-alert-green  { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.dscr-alert-green  .dscr-tip-alert-body { color: #15803d; }
.dscr-alert-green  .dscr-tip-alert-body strong { color: #14532d; }
.dscr-alert-yellow { background: #fffbeb; border: 1.5px solid #fde68a; }
.dscr-alert-yellow .dscr-tip-alert-body { color: #92400e; }
.dscr-alert-yellow .dscr-tip-alert-body strong { color: #78350f; }
.dscr-alert-red    { background: #fff1f2; border: 1.5px solid #fecaca; }
.dscr-alert-red    .dscr-tip-alert-body { color: #991b1b; }
.dscr-alert-red    .dscr-tip-alert-body strong { color: #7f1d1d; }
.dscr-alert-purple { background: #faf5ff; border: 1.5px solid #ddd6fe; }
.dscr-alert-purple .dscr-tip-alert-body { color: #5b21b6; }
.dscr-alert-purple .dscr-tip-alert-body strong { color: #4c1d95; }
.dscr-alert-teal   { background: #f0fdfa; border: 1.5px solid #99f6e4; }
.dscr-alert-teal   .dscr-tip-alert-body { color: #0f766e; }
.dscr-alert-teal   .dscr-tip-alert-body strong { color: #134e4a; }

/* ---- CALCULATOR CTA ---- */
.dscr-tip-calc-cta {
  display: flex;
  align-items: center;
  gap: 16px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 13px;
  padding: 18px 22px;
  margin-bottom: 0;
}
.dscr-tip-calc-cta-icon { font-size: 2rem; flex-shrink: 0; }
.dscr-tip-calc-cta-text { flex: 1; }
.dscr-tip-calc-cta-text strong {
  display: block;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 4px;
}
.dscr-tip-calc-cta-text span {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5;
}
.dscr-tip-calc-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--global-palette9, #00875A);
  color: #fff;
  border: none;
  border-radius: 9px;
  padding: 10px 18px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
  text-decoration: none;
  flex-shrink: 0;
}
.dscr-tip-calc-cta-btn:hover {
  background: #006E49;
  transform: translateY(-2px);
}

/* ---- DEBT PAYDOWN TABLE ---- */
.dscr-debt-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  margin-bottom: 26px;
}
.dscr-debt-table thead tr { background: var(--global-palette1, #002868); }
.dscr-debt-table th {
  padding: 11px 14px;
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-align: left;
}
.dscr-debt-table td {
  padding: 10px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  vertical-align: middle;
}
.dscr-debt-table tr:nth-child(even) td { background: var(--global-palette6, #F7F9FC); }
.dscr-debt-table tr:last-child td { border-bottom: none; }
.dscr-debt-table td:first-child { font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.dscr-debt-priority {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 2px 8px;
  border-radius: 8px;
  font-size: 0.7rem;
  font-weight: 700;
}
.dp-high   { background: #dcfce7; color: #15803d; }
.dp-medium { background: #fef3c7; color: #92400e; }
.dp-low    { background: #fee2e2; color: #991b1b; }
.dp-skip   { background: var(--global-palette6,#F7F9FC); color: var(--global-palette4,#5F6368); }

/* ---- TIMING GRID ---- */
.dscr-timing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 26px;
}
.dscr-timing-card {
  border-radius: 12px;
  padding: 16px;
  text-align: center;
}
.dscr-timing-card.tc-good    { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.dscr-timing-card.tc-caution { background: #fffbeb; border: 1.5px solid #fde68a; }
.dscr-timing-card.tc-bad     { background: #fff1f2; border: 1.5px solid #fecaca; }
.dscr-tc-icon { font-size: 1.8rem; margin-bottom: 8px; display: block; }
.dscr-tc-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 6px;
  display: block;
}
.tc-good    .dscr-tc-label { color: #15803d; }
.tc-caution .dscr-tc-label { color: #92400e; }
.tc-bad     .dscr-tc-label { color: #991b1b; }
.dscr-tc-action {
  font-size: 0.82rem;
  font-weight: 700;
  margin-bottom: 5px;
  line-height: 1.3;
}
.tc-good    .dscr-tc-action { color: #14532d; }
.tc-caution .dscr-tc-action { color: #78350f; }
.tc-bad     .dscr-tc-action { color: #7f1d1d; }
.dscr-tc-detail {
  font-size: 0.75rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.5;
}

/* ---- FORMULA BLOCK ---- */
.dscr-tip-formula {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.13);
  border-radius: 12px;
  padding: 16px 20px;
  margin-bottom: 22px;
  font-family: 'Courier New', monospace;
  font-size: 0.875rem;
  color: var(--global-palette1, #002868);
  line-height: 1.85;
}
.dscr-tip-formula-lbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 8px;
  display: block;
}

/* ---- CLOSING BANNER ---- */
.dscr-tips-closing {
  background: linear-gradient(135deg, var(--global-palette9,#00875A) 0%, #065f46 100%);
  border-radius: 18px;
  padding: 36px 32px;
  margin-top: 12px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.dscr-tips-closing-icon { font-size: 3.5rem; flex-shrink: 0; }
.dscr-tips-closing-content { flex: 1; }
.dscr-tips-closing h3 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.05rem, 2.5vw, 1.4rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 8px !important;
}
.dscr-tips-closing p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.8);
  margin: 0;
  line-height: 1.7;
}
.dscr-tips-closing-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  color: #065f46;
  border: none;
  border-radius: 11px;
  padding: 13px 22px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  cursor: pointer;
  transition: transform 0.15s, box-shadow 0.2s;
  white-space: nowrap;
  flex-shrink: 0;
  text-decoration: none;
}
.dscr-tips-closing-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .dscr-tip-header { flex-direction: column; }
  .dscr-tip-number-block { width: 100%; min-height: 50px; font-size: 1.5rem; justify-content: flex-start; padding: 14px 20px; }
  .dscr-tip-header-content { flex-direction: column; align-items: flex-start; padding: 0 20px 18px; }
  .dscr-tip-impact-badge { flex-direction: row; gap: 10px; width: auto; }
  .dscr-tip-body { padding: 22px 20px; }
  .dscr-ba-grid { grid-template-columns: 1fr; }
  .dscr-timing-grid { grid-template-columns: 1fr; }
  .dscr-tips-closing { flex-direction: column; text-align: center; }
  .dscr-tips-closing-icon { font-size: 2.5rem; }
}
@media (max-width: 480px) {
  .dscr-impact-lbl { width: 100px; font-size: 0.75rem; }
  .dscr-debt-table { font-size: 0.75rem; }
  .dscr-debt-table th, .dscr-debt-table td { padding: 8px 10px; }
  .dscr-addback-table { font-size: 0.75rem; }
  .dscr-addback-table th, .dscr-addback-table td { padding: 8px 10px; }
}

/* ================================================
   DSCR FAQ SECTION — CSS
   USFinanceCalculators.com — Kadence Integration
   ================================================ */

.dscr-faq-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.dscr-faq-header {
  text-align: center;
  padding: 46px 28px 38px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 18px;
  margin-bottom: 36px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.dscr-faq-header::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 260px; height: 260px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
  pointer-events: none;
}
.dscr-faq-header::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -60px;
  width: 300px; height: 300px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
  pointer-events: none;
}
.dscr-faq-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(255,255,255,0.13);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 20px;
  padding: 5px 16px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.9);
  margin-bottom: 18px;
  position: relative;
  z-index: 1;
}
.dscr-faq-header h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.4rem, 3vw, 2rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 14px !important;
  line-height: 1.22 !important;
  position: relative;
  z-index: 1;
}
.dscr-faq-header p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.78);
  max-width: 680px;
  margin: 0 auto 28px;
  line-height: 1.7;
  position: relative;
  z-index: 1;
}

/* ---- STATS ROW ---- */
.dscr-faq-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
  position: relative;
  z-index: 1;
}
.dscr-faq-stat {
  background: rgba(255,255,255,0.11);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 10px;
  padding: 10px 20px;
  text-align: center;
  min-width: 110px;
}
.dscr-faq-stat-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  color: #6ee7b7;
  line-height: 1;
  display: block;
}
.dscr-faq-stat-lbl {
  font-size: 0.68rem;
  font-weight: 600;
  color: rgba(255,255,255,0.68);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-top: 4px;
  display: block;
}

/* ---- SEARCH BAR ---- */
.dscr-faq-search-wrap {
  position: relative;
  margin-bottom: 28px;
}
.dscr-faq-search-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--global-palette4, #5F6368);
  font-size: 1rem;
  pointer-events: none;
}
.dscr-faq-search {
  width: 100%;
  height: 50px;
  padding: 0 20px 0 46px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  background: var(--global-palette7, #FFFFFF);
  font-size: 0.9rem;
  font-family: 'Inter', sans-serif;
  color: var(--global-palette3, #1D1D1F);
  outline: none;
  box-sizing: border-box;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.dscr-faq-search:focus {
  border-color: var(--global-palette1, #002868);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
}
.dscr-faq-search::placeholder { color: var(--global-palette4, #5F6368); }
.dscr-faq-search-clear {
  position: absolute;
  right: 14px;
  top: 50%;
  transform: translateY(-50%);
  background: var(--global-palette5, #E0E4E8);
  border: none;
  border-radius: 50%;
  width: 22px;
  height: 22px;
  font-size: 0.7rem;
  color: var(--global-palette4, #5F6368);
  cursor: pointer;
  display: none;
  align-items: center;
  justify-content: center;
  transition: background 0.2s;
}
.dscr-faq-search-clear:hover { background: var(--global-palette8, #BF0A30); color: #fff; }
.dscr-faq-search-clear.show { display: flex; }
.dscr-faq-no-results {
  text-align: center;
  padding: 40px 20px;
  color: var(--global-palette4, #5F6368);
  font-size: 0.9rem;
  display: none;
}
.dscr-faq-no-results.show { display: block; }

/* ---- FILTER TABS ---- */
.dscr-faq-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
  align-items: center;
}
.dscr-faq-filter-lbl {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--global-palette4, #5F6368);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  flex-shrink: 0;
}
.dscr-faq-tab {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 7px 15px;
  border-radius: 20px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  background: var(--global-palette7, #FFFFFF);
  color: var(--global-palette4, #5F6368);
  font-size: 0.78rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
}
.dscr-faq-tab:hover {
  border-color: var(--global-palette1, #002868);
  color: var(--global-palette1, #002868);
}
.dscr-faq-tab.active {
  background: var(--global-palette1, #002868);
  border-color: var(--global-palette1, #002868);
  color: #fff;
}
.dscr-faq-tab-count {
  background: rgba(0,0,0,0.12);
  border-radius: 10px;
  padding: 1px 7px;
  font-size: 0.68rem;
  font-weight: 800;
}
.dscr-faq-tab.active .dscr-faq-tab-count { background: rgba(255,255,255,0.2); }

/* ---- EXPAND/COLLAPSE ALL ---- */
.dscr-faq-controls {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-bottom: 16px;
}
.dscr-faq-ctrl-btn {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 6px 14px;
  border-radius: 8px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  background: var(--global-palette7, #FFFFFF);
  color: var(--global-palette4, #5F6368);
  font-size: 0.78rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  font-family: 'Inter', sans-serif;
}
.dscr-faq-ctrl-btn:hover { border-color: var(--global-palette1, #002868); color: var(--global-palette1, #002868); }

/* ---- CATEGORY GROUP ---- */
.dscr-faq-group {
  margin-bottom: 32px;
}
.dscr-faq-group-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8);
}
.dscr-faq-group-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}
.dscr-faq-group-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  letter-spacing: 0.01em;
}
.dscr-faq-group-count {
  font-size: 0.72rem;
  font-weight: 700;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  padding: 2px 10px;
  color: var(--global-palette4, #5F6368);
  margin-left: auto;
}

/* ---- FAQ ITEM ---- */
.dscr-faq-item {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  margin-bottom: 8px;
  overflow: hidden;
  transition: box-shadow 0.25s, border-color 0.2s;
}
.dscr-faq-item:hover {
  box-shadow: 0 3px 16px rgba(0,40,104,0.08);
}
.dscr-faq-item.open {
  border-color: rgba(0,40,104,0.22);
  box-shadow: 0 4px 20px rgba(0,40,104,0.10);
}
.dscr-faq-item.hidden { display: none; }

/* ---- FAQ QUESTION BUTTON ---- */
.dscr-faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  transition: background 0.15s;
  font-family: 'Inter', sans-serif;
}
.dscr-faq-q:hover { background: var(--global-palette6, #F7F9FC); }
.dscr-faq-item.open .dscr-faq-q { background: rgba(0,40,104,0.03); }
.dscr-faq-q-num {
  width: 26px;
  height: 26px;
  border-radius: 7px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 800;
  flex-shrink: 0;
  transition: background 0.2s, color 0.2s;
}
.dscr-faq-q-text {
  flex: 1;
  font-size: 0.91rem;
  font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  line-height: 1.45;
}
.dscr-faq-item.open .dscr-faq-q-text { color: var(--global-palette1, #002868); }
.dscr-faq-q-badge {
  font-size: 0.62rem;
  font-weight: 800;
  padding: 2px 8px;
  border-radius: 8px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  flex-shrink: 0;
  display: none;
}
.dscr-faq-q-icon {
  width: 28px;
  height: 28px;
  border-radius: 7px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.3s;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  font-size: 0.7rem;
  font-weight: 700;
}
.dscr-faq-item.open .dscr-faq-q-icon {
  background: var(--global-palette1, #002868);
  border-color: var(--global-palette1, #002868);
  color: #fff;
  transform: rotate(180deg);
}

/* ---- FAQ ANSWER PANEL ---- */
.dscr-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.dscr-faq-item.open .dscr-faq-a {
  max-height: 1400px;
}
.dscr-faq-a-inner {
  padding: 0 20px 20px 60px;
  font-size: 0.89rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.8;
  border-top: 1px solid var(--global-palette5, #E0E4E8);
  padding-top: 16px;
  margin-top: 0;
}
.dscr-faq-a-inner strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
}
.dscr-faq-a-inner em {
  font-style: normal;
  background: rgba(0,40,104,0.07);
  border-radius: 4px;
  padding: 1px 6px;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  font-size: 0.87rem;
}

/* Answer formula block */
.dscr-faq-formula {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.13);
  border-radius: 9px;
  padding: 12px 16px;
  margin: 12px 0;
  font-family: 'Courier New', monospace;
  font-size: 0.84rem;
  color: var(--global-palette1, #002868);
  line-height: 1.85;
}

/* Answer table */
.dscr-faq-table-wrap { overflow-x: auto; margin: 14px 0; }
.dscr-faq-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}
.dscr-faq-table thead tr { background: var(--global-palette1, #002868); }
.dscr-faq-table th {
  padding: 9px 13px;
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-align: left;
}
.dscr-faq-table td {
  padding: 9px 13px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
}
.dscr-faq-table tr:nth-child(even) td { background: var(--global-palette6, #F7F9FC); }
.dscr-faq-table tr:last-child td { border-bottom: none; }
.dscr-faq-table td:first-child { font-weight: 700; color: var(--global-palette3, #1D1D1F); }
.faq-td-green { color: #15803d !important; font-weight: 700 !important; }
.faq-td-red   { color: #991b1b !important; font-weight: 700 !important; }
.faq-td-gold  { color: #92400e !important; font-weight: 700 !important; }

/* Answer bullet list */
.dscr-faq-list {
  list-style: none;
  padding: 0;
  margin: 10px 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.dscr-faq-list li {
  display: flex;
  gap: 10px;
  padding: 8px 12px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 8px;
  font-size: 0.85rem;
  line-height: 1.6;
}
.dscr-faq-list li span:first-child { flex-shrink: 0; }

/* Inline tip box */
.dscr-faq-tip {
  display: flex;
  gap: 12px;
  padding: 12px 15px;
  border-radius: 9px;
  margin-top: 12px;
  font-size: 0.845rem;
  line-height: 1.65;
}
.dscr-faq-tip-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 2px; }
.dscr-faq-tip.faq-tip-blue   { background: #eff6ff; border: 1.5px solid #bfdbfe; color: #1e40af; }
.dscr-faq-tip.faq-tip-green  { background: #f0fdf4; border: 1.5px solid #bbf7d0; color: #15803d; }
.dscr-faq-tip.faq-tip-yellow { background: #fffbeb; border: 1.5px solid #fde68a; color: #92400e; }
.dscr-faq-tip.faq-tip-red    { background: #fff1f2; border: 1.5px solid #fecaca; color: #991b1b; }

/* ---- CATEGORY COLOR THEMES ---- */
/* Basics — Blue */
.cat-basics .dscr-faq-group-icon { background: #dbeafe; }
.cat-basics .dscr-faq-q-num { background: #dbeafe; color: #1d4ed8; }
.cat-basics .dscr-faq-group-title { color: #1e3a8a; }
.cat-basics .dscr-faq-group-header { border-bottom-color: #bfdbfe; }

/* Formula — Purple */
.cat-formula .dscr-faq-group-icon { background: #f3e8ff; }
.cat-formula .dscr-faq-q-num { background: #f3e8ff; color: #7c3aed; }
.cat-formula .dscr-faq-group-title { color: #4c1d95; }
.cat-formula .dscr-faq-group-header { border-bottom-color: #ddd6fe; }

/* SBA — Navy */
.cat-sba .dscr-faq-group-icon { background: rgba(0,40,104,0.1); }
.cat-sba .dscr-faq-q-num { background: rgba(0,40,104,0.1); color: var(--global-palette1, #002868); }
.cat-sba .dscr-faq-group-title { color: var(--global-palette1, #002868); }
.cat-sba .dscr-faq-group-header { border-bottom-color: rgba(0,40,104,0.2); }

/* Good DSCR — Green */
.cat-good .dscr-faq-group-icon { background: #dcfce7; }
.cat-good .dscr-faq-q-num { background: #dcfce7; color: #15803d; }
.cat-good .dscr-faq-group-title { color: #14532d; }
.cat-good .dscr-faq-group-header { border-bottom-color: #bbf7d0; }

/* Improve — Orange */
.cat-improve .dscr-faq-group-icon { background: #ffedd5; }
.cat-improve .dscr-faq-q-num { background: #ffedd5; color: #c2410c; }
.cat-improve .dscr-faq-group-title { color: #7c2d12; }
.cat-improve .dscr-faq-group-header { border-bottom-color: #fed7aa; }

/* Global — Teal */
.cat-global .dscr-faq-group-icon { background: #ccfbf1; }
.cat-global .dscr-faq-q-num { background: #ccfbf1; color: #0d9488; }
.cat-global .dscr-faq-group-title { color: #134e4a; }
.cat-global .dscr-faq-group-header { border-bottom-color: #99f6e4; }

/* Real Estate — Amber */
.cat-realestate .dscr-faq-group-icon { background: #fef9c3; }
.cat-realestate .dscr-faq-q-num { background: #fef9c3; color: #a16207; }
.cat-realestate .dscr-faq-group-title { color: #713f12; }
.cat-realestate .dscr-faq-group-header { border-bottom-color: #fde047; }

/* Comparisons — Rose */
.cat-compare .dscr-faq-group-icon { background: #ffe4e6; }
.cat-compare .dscr-faq-q-num { background: #ffe4e6; color: #be123c; }
.cat-compare .dscr-faq-group-title { color: #881337; }
.cat-compare .dscr-faq-group-header { border-bottom-color: #fda4af; }

/* Edge Cases — Slate */
.cat-edge .dscr-faq-group-icon { background: #f1f5f9; }
.cat-edge .dscr-faq-q-num { background: #f1f5f9; color: #475569; }
.cat-edge .dscr-faq-group-title { color: #1e293b; }
.cat-edge .dscr-faq-group-header { border-bottom-color: #cbd5e1; }

/* ---- RESULTS COUNTER ---- */
.dscr-faq-results-count {
  font-size: 0.78rem;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 14px;
  display: none;
}
.dscr-faq-results-count.show { display: block; }
.dscr-faq-results-count strong { color: var(--global-palette1, #002868); }

/* ---- CLOSING DISCLAIMER ---- */
.dscr-faq-disclaimer {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 20px 24px;
  margin-top: 32px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.dscr-faq-disclaimer-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 2px; }
.dscr-faq-disclaimer-text {
  font-size: 0.8rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.7;
}
.dscr-faq-disclaimer-text strong { color: var(--global-palette3, #1D1D1F); }

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .dscr-faq-header { padding: 30px 20px 26px; }
  .dscr-faq-a-inner { padding-left: 20px; }
  .dscr-faq-q { padding: 14px 16px; gap: 10px; }
  .dscr-faq-q-num { display: none; }
  .dscr-faq-filters { gap: 6px; }
  .dscr-faq-tab { padding: 6px 12px; font-size: 0.74rem; }
}
@media (max-width: 480px) {
  .dscr-faq-stats { gap: 8px; }
  .dscr-faq-stat { min-width: 80px; padding: 8px 12px; }
  .dscr-faq-stat-val { font-size: 1.1rem; }
  .dscr-faq-q-text { font-size: 0.86rem; }
  .dscr-faq-a-inner { font-size: 0.84rem; }
}



.rc-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.rc-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}
.rc-header-left { flex: 1; min-width: 280px; }
.rc-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin-bottom: 10px;
  padding: 4px 12px 4px 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.14);
  border-radius: 20px;
  width: fit-content;
}
.rc-eyebrow-dot {
  width: 7px; height: 7px;
  background: var(--global-palette9, #00875A);
  border-radius: 50%;
  animation: rcPulse 2s ease-in-out infinite;
}
@keyframes rcPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.8); }
}
.rc-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 2.5vw, 1.75rem) !important;
  font-weight: 800 !important;
  color: var(--global-palette3, #1D1D1F) !important;
  margin: 0 0 8px !important;
  line-height: 1.25 !important;
}
.rc-subtitle {
  font-size: 0.895rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
  margin: 0;
}
.rc-view-all-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 22px;
  background: var(--global-palette1, #002868);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  white-space: nowrap;
  flex-shrink: 0;
}
.rc-view-all-btn:hover {
  background: #001c52;
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(0,40,104,0.28);
}

/* ---- DIVIDER LINE ---- */
.rc-divider {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 24px;
}
.rc-divider-line {
  flex: 1;
  height: 1.5px;
  background: linear-gradient(to right, var(--global-palette5, #E0E4E8), transparent);
}
.rc-divider-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--global-palette4, #5F6368);
  white-space: nowrap;
  padding: 4px 12px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
}
.rc-divider-line-r {
  flex: 1;
  height: 1.5px;
  background: linear-gradient(to left, var(--global-palette5, #E0E4E8), transparent);
}

/* ================================================
   PRIORITY / FEATURED ROW — 4 Big Cards
   ================================================ */
.rc-featured-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}
.rc-feat-card {
  position: relative;
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 22px 20px 20px;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: 0;
  overflow: hidden;
  transition: box-shadow 0.25s, transform 0.2s, border-color 0.2s;
  cursor: pointer;
}
.rc-feat-card:hover {
  box-shadow: 0 8px 32px rgba(0,40,104,0.13);
  transform: translateY(-4px);
  border-color: rgba(0,40,104,0.22);
  text-decoration: none;
}
/* Colored top stripe */
.rc-feat-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  border-radius: 16px 16px 0 0;
}
.rc-feat-card.stripe-navy::before  { background: linear-gradient(to right, #002868, #004dbf); }
.rc-feat-card.stripe-green::before { background: linear-gradient(to right, #00875A, #00c07e); }
.rc-feat-card.stripe-red::before   { background: linear-gradient(to right, #BF0A30, #e8304f); }
.rc-feat-card.stripe-purple::before { background: linear-gradient(to right, #7c3aed, #a855f7); }

/* FEATURED BADGE */
.rc-feat-badge {
  position: absolute;
  top: 14px; right: 14px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.58rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 3px 8px;
  border-radius: 5px;
}
.rc-feat-badge-top { background: #002868; color: #fff; }
.rc-feat-badge-new { background: #00875A; color: #fff; }
.rc-feat-badge-hot { background: #BF0A30; color: #fff; }

/* Icon */
.rc-feat-icon {
  font-size: 2rem;
  margin-bottom: 14px;
  display: block;
  line-height: 1;
}
/* Category Tag */
.rc-feat-cat {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.62rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 3px 9px;
  border-radius: 5px;
  margin-bottom: 10px;
  width: fit-content;
}
.rc-cat-business { background: rgba(0,40,104,0.08); color: var(--global-palette1,#002868); }
.rc-cat-mortgage  { background: #fef3c7; color: #a16207; }
.rc-cat-loans     { background: #f3e8ff; color: #7c3aed; }
.rc-cat-credit    { background: #ffe4e6; color: #be123c; }
.rc-cat-investing { background: #dcfce7; color: #15803d; }
.rc-cat-taxes     { background: #f1f5f9; color: #475569; }

/* Card content */
.rc-feat-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.93rem;
  font-weight: 800;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 8px;
  line-height: 1.3;
}
.rc-feat-desc {
  font-size: 0.8rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 16px;
}
/* Use tag list */
.rc-feat-uses {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.rc-feat-uses li {
  font-size: 0.73rem;
  color: var(--global-palette4, #5F6368);
  display: flex;
  align-items: flex-start;
  gap: 6px;
  line-height: 1.5;
}
.rc-feat-uses li::before {
  content: '✓';
  color: var(--global-palette9, #00875A);
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}
/* CTA */
.rc-feat-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 9px 14px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 9px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  font-family: 'Montserrat', 'Inter', sans-serif;
  transition: background 0.2s, border-color 0.2s;
  margin-top: auto;
}
.rc-feat-card:hover .rc-feat-cta {
  background: var(--global-palette1, #002868);
  border-color: var(--global-palette1, #002868);
  color: #fff;
}
.rc-feat-arrow {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--global-palette1, #002868);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  transition: background 0.2s, transform 0.2s;
  flex-shrink: 0;
}
.rc-feat-card:hover .rc-feat-arrow {
  background: #fff;
  color: var(--global-palette1, #002868);
  transform: translateX(3px);
}

/* ================================================
   SUPPORTING GRID — 8 Compact Cards
   ================================================ */
.rc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 30px;
}
.rc-card {
  position: relative;
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 13px;
  padding: 18px 16px 16px;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  gap: 0;
  overflow: hidden;
  transition: box-shadow 0.22s, transform 0.18s, border-color 0.18s;
  cursor: pointer;
}
.rc-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,0.10);
  transform: translateY(-3px);
  border-color: rgba(0,40,104,0.18);
  text-decoration: none;
}
.rc-card-icon {
  font-size: 1.6rem;
  display: block;
  margin-bottom: 11px;
  line-height: 1;
}
.rc-card-cat {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.58rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 2px 7px;
  border-radius: 4px;
  margin-bottom: 8px;
  width: fit-content;
}
.rc-card-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.825rem;
  font-weight: 800;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 7px;
  line-height: 1.35;
}
.rc-card-desc {
  font-size: 0.75rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 13px;
}
.rc-card-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  transition: gap 0.2s;
  margin-top: auto;
}
.rc-card:hover .rc-card-link { gap: 9px; }
.rc-card-link-arrow {
  font-size: 0.7rem;
  transition: transform 0.2s;
}
.rc-card:hover .rc-card-link-arrow { transform: translateX(3px); }

/* ---- RELEVANCE INDICATOR ---- */
.rc-relevance {
  position: absolute;
  top: 11px; right: 11px;
  display: flex;
  gap: 2px;
  align-items: center;
}
.rc-rel-dot {
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--global-palette5, #E0E4E8);
}
.rc-rel-dot.filled { background: var(--global-palette9, #00875A); }

/* ---- BOTTOM CTA STRIP ---- */
.rc-bottom-strip {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 14px;
  padding: 20px 28px;
  margin-top: 8px;
  flex-wrap: wrap;
}
.rc-strip-left {
  display: flex;
  align-items: center;
  gap: 14px;
  flex: 1;
  min-width: 200px;
}
.rc-strip-icon-wrap {
  width: 46px; height: 46px;
  background: rgba(255,255,255,0.13);
  border: 1.5px solid rgba(255,255,255,0.22);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.rc-strip-text-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 3px;
}
.rc-strip-text-sub {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.5;
}
.rc-strip-count {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-shrink: 0;
}
.rc-strip-stat {
  text-align: center;
  padding: 0 14px;
  border-left: 1.5px solid rgba(255,255,255,0.15);
}
.rc-strip-stat:first-child { border-left: none; }
.rc-strip-stat-num {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: #6ee7b7;
  display: block;
  line-height: 1;
}
.rc-strip-stat-lbl {
  font-size: 0.65rem;
  font-weight: 600;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  display: block;
  margin-top: 3px;
}
.rc-strip-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  background: #fff;
  color: var(--global-palette1, #002868);
  border: none;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.rc-strip-btn:hover {
  background: #e8f0ff;
  transform: translateY(-2px);
  text-decoration: none;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .rc-featured-grid { grid-template-columns: repeat(2, 1fr); }
  .rc-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .rc-featured-grid { grid-template-columns: 1fr; }
  .rc-grid { grid-template-columns: 1fr 1fr; }
  .rc-header { flex-direction: column; align-items: flex-start; }
  .rc-view-all-btn { width: 100%; justify-content: center; }
  .rc-bottom-strip { padding: 18px 20px; }
  .rc-strip-count { display: none; }
}
@media (max-width: 420px) {
  .rc-grid { grid-template-columns: 1fr; }
}


.dscr-legal-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ================================================
   TRANSPARENCY & FINANCIAL INDEPENDENCE SECTION
   ================================================ */
.dscr-transparency {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 18px;
  overflow: hidden;
  margin-bottom: 24px;
}

/* Header bar */
.dscr-trans-header {
  background: linear-gradient(135deg, #002868 0%, #00183F 100%);
  padding: 26px 32px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.dscr-trans-header-icon {
  width: 52px; height: 52px;
  background: rgba(255,255,255,0.13);
  border: 1.5px solid rgba(255,255,255,0.22);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}
.dscr-trans-header-text { flex: 1; }
.dscr-trans-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 5px;
  line-height: 1.2;
}
.dscr-trans-subtitle {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.72);
  line-height: 1.55;
  margin: 0;
}
.dscr-trans-badges {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  align-items: center;
}
.dscr-trans-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 13px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
}
.dscr-trans-badge-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
}

/* Body */
.dscr-trans-body {
  padding: 28px 32px;
}

/* 3-column pillars */
.dscr-trans-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 28px;
}
.dscr-trans-pillar {
  padding: 20px;
  border-radius: 13px;
  border: 1.5px solid transparent;
}
.dscr-pillar-noads    { background: #eff6ff; border-color: #bfdbfe; }
.dscr-pillar-noaccess { background: #f0fdf4; border-color: #bbf7d0; }
.dscr-pillar-noadvice { background: #fffbeb; border-color: #fde68a; }

.dscr-trans-pillar-icon {
  font-size: 1.5rem;
  display: block;
  margin-bottom: 10px;
}
.dscr-trans-pillar-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  margin-bottom: 7px;
  line-height: 1.3;
}
.dscr-pillar-noads    .dscr-trans-pillar-title { color: #1e3a8a; }
.dscr-pillar-noaccess .dscr-trans-pillar-title { color: #14532d; }
.dscr-pillar-noadvice .dscr-trans-pillar-title { color: #78350f; }

.dscr-trans-pillar-text {
  font-size: 0.79rem;
  line-height: 1.7;
}
.dscr-pillar-noads    .dscr-trans-pillar-text { color: #1e40af; }
.dscr-pillar-noaccess .dscr-trans-pillar-text { color: #166534; }
.dscr-pillar-noadvice .dscr-trans-pillar-text { color: #92400e; }

/* Revenue Transparency */
.dscr-trans-revenue {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 20px 22px;
  margin-bottom: 24px;
}
.dscr-trans-rev-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1.5px solid var(--global-palette5, #E0E4E8);
  display: flex;
  align-items: center;
  gap: 8px;
}
.dscr-trans-rev-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.dscr-trans-rev-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.dscr-trans-rev-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.dscr-trans-rev-lbl {
  font-size: 0.73rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 3px;
}
.dscr-trans-rev-desc {
  font-size: 0.72rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.55;
}

/* Authority Links Grid */
.dscr-trans-auth-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.dscr-trans-auth-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 0;
}
.dscr-auth-link {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 15px;
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 11px;
  text-decoration: none;
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.18s;
  cursor: pointer;
}
.dscr-auth-link:hover {
  box-shadow: 0 4px 16px rgba(0,40,104,0.10);
  border-color: rgba(0,40,104,0.2);
  transform: translateY(-2px);
  text-decoration: none;
}
.dscr-auth-link-flag {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 1px;
  line-height: 1;
}
.dscr-auth-link-body { flex: 1; min-width: 0; }
.dscr-auth-link-source {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.62rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 3px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.dscr-auth-gov  .dscr-auth-link-source { color: var(--global-palette1, #002868); }
.dscr-auth-reg  .dscr-auth-link-source { color: #b45309; }
.dscr-auth-edu  .dscr-auth-link-source { color: #6d28d9; }

.dscr-auth-link-tag {
  font-size: 0.55rem;
  padding: 1px 5px;
  border-radius: 3px;
  font-weight: 700;
}
.dscr-auth-gov  .dscr-auth-link-tag { background: rgba(0,40,104,0.1); color: var(--global-palette1, #002868); }
.dscr-auth-reg  .dscr-auth-link-tag { background: #fef3c7; color: #b45309; }
.dscr-auth-edu  .dscr-auth-link-tag { background: #f3e8ff; color: #6d28d9; }

.dscr-auth-link-name {
  font-size: 0.79rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 4px;
  line-height: 1.35;
}
.dscr-auth-link-desc {
  font-size: 0.71rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.5;
}
.dscr-auth-link-ext {
  font-size: 0.7rem;
  color: var(--global-palette4, #5F6368);
  transition: color 0.2s;
  flex-shrink: 0;
  margin-top: 3px;
  opacity: 0.5;
}
.dscr-auth-link:hover .dscr-auth-link-ext { color: var(--global-palette1, #002868); opacity: 1; }


/* ================================================
   LEGAL DISCLAIMER SECTION
   ================================================ */
.dscr-disclaimer-wrap {
  background: #fff8f0;
  border: 2px solid #fed7aa;
  border-radius: 18px;
  overflow: hidden;
  margin-bottom: 24px;
}

/* Disclaimer header */
.dscr-disc-header {
  background: linear-gradient(135deg, #b45309 0%, #92400e 100%);
  padding: 18px 28px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.dscr-disc-header-icon {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.dscr-disc-header-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #fff;
  margin: 0;
}
.dscr-disc-header-sub {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.75);
  margin: 3px 0 0;
}

/* Disclaimer body */
.dscr-disc-body {
  padding: 24px 28px;
}

/* Key alerts row */
.dscr-disc-alerts {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-bottom: 22px;
}
.dscr-disc-alert {
  display: flex;
  gap: 12px;
  padding: 14px 15px;
  border-radius: 10px;
  border: 1.5px solid transparent;
  align-items: flex-start;
}
.dscr-disc-alert-orange {
  background: #fff7ed;
  border-color: #fed7aa;
}
.dscr-disc-alert-red {
  background: #fff1f2;
  border-color: #fecaca;
}
.dscr-disc-alert-blue {
  background: #eff6ff;
  border-color: #bfdbfe;
}
.dscr-disc-alert-green {
  background: #f0fdf4;
  border-color: #bbf7d0;
}
.dscr-disc-alert-icon {
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.dscr-disc-alert-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 800;
  margin-bottom: 4px;
  line-height: 1.2;
}
.dscr-disc-alert-orange .dscr-disc-alert-title { color: #c2410c; }
.dscr-disc-alert-red    .dscr-disc-alert-title { color: #be123c; }
.dscr-disc-alert-blue   .dscr-disc-alert-title { color: #1e40af; }
.dscr-disc-alert-green  .dscr-disc-alert-title { color: #15803d; }
.dscr-disc-alert-text {
  font-size: 0.77rem;
  line-height: 1.6;
}
.dscr-disc-alert-orange .dscr-disc-alert-text { color: #9a3412; }
.dscr-disc-alert-red    .dscr-disc-alert-text { color: #9f1239; }
.dscr-disc-alert-blue   .dscr-disc-alert-text { color: #1d4ed8; }
.dscr-disc-alert-green  .dscr-disc-alert-text { color: #166534; }

/* Full disclaimer text */
.dscr-disc-text-wrap {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid #fed7aa;
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 18px;
}
.dscr-disc-text-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #b45309;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.dscr-disc-full-text {
  font-size: 0.795rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.8;
}
.dscr-disc-full-text strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 700;
}
.dscr-disc-full-text a {
  color: var(--global-palette1, #002868);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: rgba(0,40,104,0.3);
}
.dscr-disc-full-text a:hover {
  text-decoration-color: var(--global-palette1, #002868);
}

/* Scope bullets */
.dscr-disc-scope {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-bottom: 18px;
}
.dscr-disc-scope-item {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  padding: 10px 13px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 9px;
  font-size: 0.775rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.55;
}
.dscr-disc-scope-item strong { color: var(--global-palette3, #1D1D1F); font-weight: 700; }
.dscr-disc-scope-bullet {
  width: 18px; height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}
.bullet-not  { background: #fee2e2; color: #991b1b; }
.bullet-yes  { background: #dcfce7; color: #15803d; }

/* Footer strip */
.dscr-disc-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 18px;
  background: #fff7ed;
  border-top: 1.5px solid #fed7aa;
  border-radius: 0 0 16px 16px;
  flex-wrap: wrap;
  margin: -24px -28px -24px;
}
.dscr-disc-footer-left {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.775rem;
  color: #92400e;
}
.dscr-disc-footer-right {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.dscr-disc-footer-link {
  font-size: 0.73rem;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  text-decoration: none;
  padding: 5px 12px;
  border: 1px solid rgba(0,40,104,0.2);
  border-radius: 6px;
  background: var(--global-palette7, #FFFFFF);
  transition: all 0.2s;
}
.dscr-disc-footer-link:hover {
  background: var(--global-palette1, #002868);
  color: #fff;
  border-color: var(--global-palette1, #002868);
}

/* ================================================
   E-E-A-T SIGNAL STRIP
   ================================================ */
.dscr-eeat-strip {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 14px;
  padding: 20px 28px;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  justify-content: space-between;
}
.dscr-eeat-items {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  align-items: center;
  flex: 1;
}
.dscr-eeat-item {
  display: flex;
  align-items: center;
  gap: 8px;
}
.dscr-eeat-item-icon {
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.12);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.dscr-eeat-item-text { font-size: 0.72rem; }
.dscr-eeat-item-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 800;
  color: #fff;
  display: block;
  font-size: 0.73rem;
}
.dscr-eeat-item-sub {
  color: rgba(255,255,255,0.62);
  display: block;
  font-size: 0.67rem;
  margin-top: 1px;
}
.dscr-eeat-divider {
  width: 1px;
  height: 32px;
  background: rgba(255,255,255,0.15);
  flex-shrink: 0;
}
.dscr-eeat-updated {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.65);
  white-space: nowrap;
  flex-shrink: 0;
  text-align: right;
}
.dscr-eeat-updated strong { color: #6ee7b7; font-family: 'Montserrat','Inter',sans-serif; }

/* ================================================
   RESPONSIVE
   ================================================ */
@media (max-width: 900px) {
  .dscr-trans-pillars,
  .dscr-trans-rev-grid,
  .dscr-trans-auth-grid { grid-template-columns: 1fr 1fr; }
  .dscr-disc-alerts,
  .dscr-disc-scope { grid-template-columns: 1fr; }
  .dscr-trans-body,
  .dscr-disc-body { padding: 20px; }
  .dscr-trans-header { padding: 20px; }
  .dscr-disc-header { padding: 15px 20px; }
}
@media (max-width: 640px) {
  .dscr-trans-pillars,
  .dscr-trans-rev-grid,
  .dscr-trans-auth-grid { grid-template-columns: 1fr; }
  .dscr-trans-badges { display: none; }
  .dscr-eeat-items { gap: 12px; }
  .dscr-eeat-divider { display: none; }
  .dscr-disc-footer { flex-direction: column; align-items: flex-start; gap: 10px; }
}

/* ============================================================
   USFinanceCalculators.com — Universal Card Text Visibility Fix
   
   PROBLEM: On hover, inner label text inside selector cards
   becomes invisible because no explicit color is set on child
   elements — they silently inherit an incorrect value.
   
   APPLIES TO all calculators:
   - CLV:              .bt .bl .bs
   - Equipment:        .cat-card .cl .cr
   - Turnover Cost:    .role-card .rl .rm
   - Franchise Fee:    .bracket-btn .bv .bl
   - Inventory:        .ind-card .il .ir
   - EBITDA:           .role-card .rl .rm
   
   PASTE THIS at the very end of each calculator's <style>
   tag, after all existing rules.
   ============================================================ */

/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

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

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

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

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

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

/* ============================================================
   END Card Visibility Fix
   ============================================================ */