:root{
  --navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;
  --red:#BF0A30;--red-h:#9B0826;--green:#00875A;--green-h:#006644;
  --gold:#b88200;--orange:#da7101;--purple:#7c3aed;
  --charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;
  --bg:#F7F9FC;--white:#FFFFFF;
  --c-exc:#00875A;--c-good:#4a8f3f;--c-fair:#d19900;--c-poor:#da7101;--c-crit:#BF0A30;
  --sh-sm:0 1px 4px rgba(0,40,104,.08);--sh-md:0 4px 20px rgba(0,40,104,.12);
  --r:12px;--tr:.2s ease;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--gray);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}

/* ── Typography & Contrast Patch ── */
#dtcWrapper .panel-title, #dtcWrapper .slabel, #dtcWrapper .field label, #dtcWrapper .af label, #dtcWrapper .chart-title, #dtcWrapper .ptt-title, #dtcWrapper .li-title, #dtcWrapper .db-label, #dtcWrapper .ap-title, #dtcWrapper .wb-t { color: #1e293b !important; font-weight: 800 !important; }
#dtcWrapper .iw input, #dtcWrapper .iw select, #dtcWrapper .af input, #dtcWrapper .af select { font-weight: 600 !important; color: #0f172a !important; font-size: 15px !important; }
#dtcWrapper .pfx, #dtcWrapper .sfx { color: #334155 !important; font-weight: 800 !important; }
#dtcWrapper .info-strip span, #dtcWrapper .empty-s p { color: #64748b !important; font-weight: 500 !important; }

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

/* ── BRAND HERO ── */
.hero { background: linear-gradient(135deg, #0f2540 0%, #1a3a5c 60%, #1e4d7b 100%); padding: 52px 20px 44px; text-align: center; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(60deg, rgba(255,255,255,.018) 0, rgba(255,255,255,.018) 1px, transparent 1px, transparent 18px); }
.hero-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
.badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(243,156,18,.15); border: 1px solid rgba(243,156,18,.4); color: #fcd34d; font-size: 12px; font-weight: 700; padding: 5px 16px; border-radius: 20px; margin-bottom: 18px; letter-spacing: .3px; }
.bdot { width: 7px; height: 7px; background: #fcd34d; border-radius: 50%; animation: blink 1.5s ease-in-out infinite; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .2; } }
.hero h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4.5vw, 42px); color: #ffffff !important; line-height: 1.15; margin-bottom: 14px; }
.hero h1 span { color: #FCD34D; }
.hero p { font-size: 15px; color: rgba(255,255,255,.83); max-width: 760px; margin: 0 auto 22px; line-height: 1.8; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }
.chip { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.92); font-size: 12px; font-weight: 600; padding: 5px 14px; border-radius: 20px; }

.ads{max-width:1260px;margin:0 auto;padding:0 22px 16px;text-align:center}
.calc-wrapper{max-width:1260px;margin:0 auto;padding:32px 22px 60px}

/* TABS */
.calc-tabs{display:flex;gap:4px;background:var(--border);padding:4px;border-radius:10px;margin-bottom:20px;width:fit-content;flex-wrap:wrap}
.ctab{padding:9px 16px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;border:none;border-radius:7px;cursor:pointer;background:transparent;color:var(--gray);transition:all var(--tr);white-space:nowrap}
.ctab.active{background:var(--navy);color:#fff;box-shadow:var(--sh-sm)}
.ctab:hover:not(.active){background:var(--white);color:var(--navy)}

/* GRID */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
@media(max-width:960px){.calc-grid{grid-template-columns:1fr}}

/* PANELS */
.calc-panel{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:20px;box-shadow:var(--sh-sm)}
.panel-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px;display:flex;align-items:center;gap:7px}
.pticon{width:26px;height:26px;background:rgba(0,40,104,.08);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0}
.info-strip{background:rgba(0,40,104,.05);border:1px solid rgba(0,40,104,.12);border-radius:8px;padding:10px 13px;font-size:12.5px;color:var(--gray);line-height:1.6;margin-bottom:14px;display:flex;align-items:flex-start;gap:7px}

/* FIELDS */
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:12px}
.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:9px;margin-bottom:12px}
@media(max-width:480px){.row2,.row3{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:3px}
.field label{font-size:12.5px;font-weight:600;color:var(--charcoal)}
.iw{position:relative;display:flex;align-items:center}
.iw .pfx,.iw .sfx{position:absolute;font-size:12.5px;font-weight:600;color:var(--gray);pointer-events:none;z-index:1}
.iw .pfx{left:9px}.iw .sfx{right:9px}
.iw input,.iw select{width:100%;padding:8px 10px;border:1.5px solid var(--border);border-radius:7px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--charcoal);background:var(--white);outline:none;transition:border-color var(--tr),box-shadow var(--tr)}
.iw input:focus,.iw select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.iw.p input{padding-left:24px}.iw.s input{padding-right:28px}
.slabel{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.8px;margin-bottom:8px;display:block}
.divider{border:none;border-top:1px solid var(--border);margin:14px 0}

/* ACCOUNT ROWS */
.alist{display:flex;flex-direction:column;gap:8px;margin-bottom:8px}
.arow{background:var(--bg);border:1.5px solid var(--border);border-radius:9px;padding:10px 12px;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr auto;gap:8px;align-items:end;transition:border-color var(--tr)}
.arow:hover{border-color:var(--navy)}
.arow.biz{border-color:rgba(124,58,237,.3);background:rgba(124,58,237,.03)}
@media(max-width:640px){.arow{grid-template-columns:1fr 1fr;gap:7px}.arow>.af:first-child{grid-column:1/-1}.arow>.arm{justify-self:end}}
.af{display:flex;flex-direction:column;gap:3px}
.af label{font-size:10.5px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.4px}
.af input,.af select{width:100%;padding:7px 9px;border:1.5px solid var(--border);border-radius:6px;font-size:13px;color:var(--charcoal);background:var(--white);outline:none;font-family:'Inter',sans-serif;transition:border-color var(--tr)}
.af input:focus,.af select:focus{border-color:var(--navy)}
.af.p-w{position:relative}.af.p-w .pfx{position:absolute;left:9px;top:50%;transform:translateY(-50%);font-size:12px;color:var(--gray);pointer-events:none}
.af.p-w input{padding-left:22px}
.arm{width:28px;height:28px;border:none;background:rgba(191,10,48,.08);color:var(--red);border-radius:6px;cursor:pointer;font-size:14px;display:flex;align-items:center;justify-content:center;transition:all var(--tr);flex-shrink:0}
.arm:hover{background:var(--red);color:#fff}
.biz-tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;color:var(--purple);font-weight:600;background:rgba(124,58,237,.08);border:1px solid rgba(124,58,237,.2);padding:2px 7px;border-radius:10px;margin-top:3px;cursor:pointer;user-select:none}
.biz-tag input{width:12px;height:12px;accent-color:var(--purple)}

/* REPORTING FLAG */
.rep-flag{display:inline-flex;align-items:center;gap:4px;font-size:10.5px;color:var(--orange);font-weight:600}

/* ADD BTN */
.btn-add{display:inline-flex;align-items:center;gap:5px;padding:7px 13px;border:1.5px dashed var(--navy);border-radius:7px;background:transparent;color:var(--navy);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all var(--tr);margin-top:3px}
.btn-add:hover{background:var(--navy);color:#fff}

/* ACTIONS */
.calc-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:16px}
.btn-calc{flex:1 1 140px;padding:12px 16px;background:var(--navy);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;cursor:pointer;transition:all var(--tr);display:flex;align-items:center;justify-content:center;gap:6px}
.btn-calc:hover{background:var(--navy-dark);transform:translateY(-1px);box-shadow:var(--sh-md)}
.btn-sec{flex:1 1 100px;padding:11px 13px;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all var(--tr);display:flex;align-items:center;justify-content:center;gap:5px}
.btn-pdf{background:var(--bg);color:var(--charcoal);border:1.5px solid var(--border)}
.btn-pdf:hover{background:var(--charcoal);color:#fff}
.btn-wa{background:#25D366;color:#fff}.btn-wa:hover{background:#1da851}
.btn-rst{background:transparent;color:var(--gray);border:1.5px solid var(--border)}
.btn-rst:hover{border-color:var(--navy);color:var(--navy)}
.hidden{display:none!important}

/* TARGET SELECTOR */
.target-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-bottom:4px}
.target-btn{padding:5px 12px;border:1.5px solid var(--border);border-radius:20px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;cursor:pointer;background:var(--white);color:var(--gray);transition:all var(--tr)}
.target-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.target-btn:hover:not(.active){border-color:var(--navy);color:var(--navy)}

/* DTI SECTION */
.dti-section{background:rgba(0,135,90,.04);border:1px solid rgba(0,135,90,.15);border-radius:9px;padding:13px;margin-top:12px}
.dti-stitle{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--green);margin-bottom:10px;display:flex;align-items:center;gap:5px}

/* RES PANEL */
.res-panel{background:var(--bg);border:1px solid var(--border);border-radius:var(--r);padding:20px;box-shadow:var(--sh-sm);min-height:400px;display:flex;flex-direction:column}
.empty-s{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:44px 16px;flex:1}
.empty-s .ei{font-size:44px;opacity:.3;margin-bottom:12px}
.empty-s h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:700;color:var(--charcoal);margin-bottom:5px}
.empty-s p{font-size:13px;color:var(--gray);max-width:260px;line-height:1.6}
#rc{display:none;flex-direction:column;gap:14px}

/* GAUGE */
.gauge-wrap{background:linear-gradient(135deg,var(--navy) 0%,#003d8c 100%);border-radius:12px;padding:20px 16px 14px;text-align:center;position:relative;overflow:hidden}
.gauge-wrap::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 50% at 50% -10%,rgba(191,10,48,.18) 0%,transparent 70%)}
.gauge-svg-wrap{position:relative;width:200px;height:110px;margin:0 auto 6px}
.gauge-svg-wrap svg{width:100%;height:100%}
.gauge-pct{position:absolute;bottom:0;left:50%;transform:translateX(-50%);font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;color:#fff;line-height:1}
.gauge-zone{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#fff;opacity:.9;margin-bottom:4px}
.gauge-sub{font-size:11.5px;color:rgba(255,255,255,.7);line-height:1.5}

/* FICO BAND */
.fico-band{display:grid;grid-template-columns:repeat(5,1fr);border-radius:8px;overflow:hidden;margin-bottom:4px}
.fb{padding:7px 4px;text-align:center}
.fb .fv{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:#fff;line-height:1.2}
.fb .fl{font-size:9.5px;color:rgba(255,255,255,.7);margin-top:2px}
.fb.active .fv,.fb.active .fl{color:#fff}
.fb.dim .fv,.fb.dim .fl{opacity:.45}
.fico-note{font-size:11px;color:rgba(255,255,255,.75);line-height:1.5;margin-top:4px;text-align:center}

/* METRICS */
.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}
@media(max-width:500px){.metrics{grid-template-columns:repeat(2,1fr)}}
.mc{background:var(--white);border:1px solid var(--border);border-radius:9px;padding:11px;text-align:center;transition:box-shadow var(--tr)}
.mc:hover{box-shadow:var(--sh-sm)}
.mv{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--navy);line-height:1.1}
.mv.red{color:var(--red)}.mv.green{color:var(--green)}.mv.gold{color:var(--gold)}
.ml{font-size:10.5px;color:var(--gray);margin-top:3px;font-weight:500}

/* WORST CARD */
.worst-box{background:rgba(191,10,48,.05);border:1.5px solid rgba(191,10,48,.2);border-radius:9px;padding:12px 14px;display:flex;align-items:flex-start;gap:10px}
.wb-icon{font-size:22px;flex-shrink:0;margin-top:2px}
.wb-t{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--red);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.wb-v{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--charcoal)}
.wb-s{font-size:12px;color:var(--gray);line-height:1.5;margin-top:3px}

/* PER-ACCOUNT TABLE */
.at-wrap{background:var(--white);border:1px solid var(--border);border-radius:9px;overflow:hidden}
.at-wrap table{width:100%;border-collapse:collapse;font-size:12.5px}
.at-wrap th{background:var(--navy);color:#fff;padding:8px 10px;text-align:left;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.4px}
.at-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.at-wrap tr:last-child td{border-bottom:none}
.at-wrap tr:nth-child(even) td{background:var(--bg)}
.ubar-wrap{width:80px;background:#eee;border-radius:20px;height:7px;overflow:hidden;display:inline-block;vertical-align:middle}
.ubar-fill{height:100%;border-radius:20px;transition:width .5s ease}
.rank-badge{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;border-radius:50%;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:#fff;flex-shrink:0}
.rb1{background:var(--red)}.rb2{background:var(--orange)}.rb3{background:var(--gold)}.rbx{background:var(--gray)}

/* PAY-TO-TARGET */
.ptt-box{background:var(--white);border:1px solid var(--border);border-radius:9px;overflow:hidden}
.ptt-head{background:rgba(0,40,104,.06);padding:10px 13px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px}
.ptt-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.4px}
.ptt-body table{width:100%;border-collapse:collapse;font-size:12.5px}
.ptt-body th{background:rgba(0,135,90,.08);color:var(--green);padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase}
.ptt-body td{padding:8px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.ptt-body tr:last-child td{border-bottom:none}
.ptt-body tr:nth-child(even) td{background:var(--bg)}

/* LIMIT INCREASE BOX */
.li-box{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18);border-radius:9px;padding:12px 14px}
.li-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--green);text-transform:uppercase;letter-spacing:.4px;margin-bottom:8px;display:flex;align-items:center;gap:5px}
.li-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:7px}
@media(max-width:480px){.li-grid{grid-template-columns:1fr 1fr}}
.li-card{background:var(--white);border:1px solid var(--border);border-radius:7px;padding:9px;text-align:center}
.li-val{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--green)}
.li-lbl{font-size:10px;color:var(--gray);margin-top:2px}

/* DTI RESULT BOXES */
.dti-res-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:4px}
.dti-box{border-radius:9px;padding:12px 14px;color:#fff}
.dti-box.blue{background:linear-gradient(135deg,var(--navy),#003d8c)}
.dti-box.green{background:linear-gradient(135deg,var(--green),var(--green-h))}
.dti-box.red{background:linear-gradient(135deg,var(--red),var(--red-h))}
.dti-box.gold{background:linear-gradient(135deg,#b88200,#7a5700)}
.db-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;opacity:.72;margin-bottom:3px}
.db-val{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;line-height:1.1}
.db-sub{font-size:11px;opacity:.8;line-height:1.5;margin-top:3px}

/* LENDER TABLE */
.lend-wrap{background:var(--white);border:1px solid var(--border);border-radius:9px;overflow:hidden}
.lend-wrap table{width:100%;border-collapse:collapse;font-size:12px}
.lend-wrap th{background:var(--navy);color:#fff;padding:8px 10px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.4px}
.lend-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.lend-wrap tr:last-child td{border-bottom:none}
.lend-wrap tr:nth-child(even) td{background:var(--bg)}
.status-pill{display:inline-flex;align-items:center;gap:4px;padding:2px 8px;border-radius:10px;font-size:10.5px;font-weight:700}
.sp-ok{background:rgba(0,135,90,.1);color:var(--green)}
.sp-warn{background:rgba(218,113,1,.1);color:var(--orange)}
.sp-fail{background:rgba(191,10,48,.1);color:var(--red)}

/* BIZ BOXES */
.biz-split{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.biz-card{background:var(--white);border:1px solid var(--border);border-radius:9px;padding:12px;text-align:center;transition:box-shadow var(--tr)}
.biz-card:hover{box-shadow:var(--sh-sm)}
.biz-card-icon{font-size:20px;margin-bottom:4px}
.biz-card-label{font-size:10.5px;color:var(--gray);margin-bottom:3px;font-weight:500}
.biz-card-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800}
.biz-alert{background:rgba(218,113,1,.07);border:1px solid rgba(218,113,1,.25);border-radius:8px;padding:10px 12px;font-size:12.5px;color:var(--charcoal);line-height:1.6;display:flex;gap:7px;align-items:flex-start}

/* CHART */
.chart-box{background:var(--white);border:1px solid var(--border);border-radius:9px;padding:13px}
.chart-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--charcoal);text-transform:uppercase;letter-spacing:.4px;margin-bottom:10px}
.chart-wrap{position:relative;height:200px}

/* ACTION PLAN */
.ap-box{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18);border-radius:9px;padding:12px 14px}
.ap-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;color:var(--green);margin-bottom:8px}
.ap-list{list-style:none;display:flex;flex-direction:column;gap:5px}
.ap-list li{font-size:12.5px;color:var(--charcoal);display:flex;gap:6px;line-height:1.5}
.ap-list li::before{content:"→";color:var(--green);font-weight:700;flex-shrink:0;margin-top:1px}

/* TAB PANELS */
.tab-panel{display:none}.tab-panel.active{display:block}
/* ══════════════════════════════════════════════════════════════
   HOW IT WORKS — "hw-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.hw{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.hw-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.hw-head{text-align:center;margin-bottom:40px}
.hw-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.14);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.hw-badge .hw-dot{width:7px;height:7px;background:var(--navy);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.hw h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.hw h2 span{color:var(--navy)}
.hw-head p{font-size:15px;color:var(--gray);max-width:760px;margin:0 auto;line-height:1.75}

/* ── main flow grid ── */
.hw-flow{display:grid;grid-template-columns:1fr;gap:0;margin-bottom:44px;position:relative}

/* ── step block ── */
.hw-step{display:grid;grid-template-columns:60px 1fr;gap:0;align-items:stretch}
.hw-step:last-child .hw-line{display:none}

/* ── left rail (number + line) ── */
.hw-rail{display:flex;flex-direction:column;align-items:center}
.hw-num{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:#fff;flex-shrink:0;position:relative;z-index:1}
.hw-num.navy{background:var(--navy)}
.hw-num.green{background:var(--green)}
.hw-num.red{background:var(--red)}
.hw-num.gold{background:var(--gold)}
.hw-num.purple{background:var(--purple)}
.hw-num.orange{background:var(--orange)}
.hw-line{width:2px;flex:1;min-height:20px;background:linear-gradient(180deg,var(--border),rgba(0,40,104,.08))}

/* ── right content card ── */
.hw-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:18px 20px;margin:0 0 14px 0;box-shadow:var(--sh-sm);transition:box-shadow var(--tr)}
.hw-card:hover{box-shadow:var(--sh-md)}
.hw-card h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--charcoal);margin-bottom:3px;line-height:1.3;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.hw-card h3 .hw-tab-tag{font-size:9.5px;font-weight:700;padding:2px 8px;border-radius:10px;text-transform:uppercase;letter-spacing:.3px;white-space:nowrap}
.hw-tag-std{background:rgba(0,40,104,.08);color:var(--navy)}
.hw-tag-dti{background:rgba(0,135,90,.08);color:var(--green)}
.hw-tag-biz{background:rgba(124,58,237,.08);color:var(--purple)}
.hw-tag-all{background:rgba(95,99,104,.08);color:var(--gray)}
.hw-card .hw-sub{font-size:13px;color:var(--gray);line-height:1.7;margin-bottom:0}
.hw-card .hw-sub strong{color:var(--charcoal)}

/* ── formula box inside card ── */
.hw-formula{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:12px 14px;margin-top:12px;font-family:'Montserrat',sans-serif;text-align:center}
.hw-formula .hw-f-label{font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.6px;margin-bottom:6px}
.hw-formula code{font-size:13.5px;font-weight:700;color:var(--navy);background:rgba(0,40,104,.06);padding:4px 10px;border-radius:6px;display:inline-block}

/* ── zone grid inside card ── */
.hw-zones{display:grid;grid-template-columns:repeat(5,1fr);gap:4px;margin-top:12px}
.hw-zone{text-align:center;padding:8px 4px;border-radius:7px;color:#fff}
.hw-zone .hw-z-pct{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;line-height:1.2}
.hw-zone .hw-z-lbl{font-size:9px;font-weight:600;opacity:.85;margin-top:2px}
.hw-zone .hw-z-pts{font-size:8.5px;opacity:.7;margin-top:1px}
@media(max-width:500px){.hw-zones{grid-template-columns:repeat(3,1fr)}.hw-zones .hw-zone:nth-child(4),.hw-zones .hw-zone:nth-child(5){grid-column:auto}}

/* ── output cards grid ── */
.hw-outputs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:12px}
.hw-out{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px 12px;text-align:center}
.hw-out .hw-o-icon{font-size:18px;margin-bottom:3px}
.hw-out .hw-o-title{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.3px}
.hw-out .hw-o-desc{font-size:11px;color:var(--gray);margin-top:2px;line-height:1.45}
@media(max-width:600px){.hw-outputs{grid-template-columns:1fr 1fr}.hw-outputs .hw-out:last-child{grid-column:1/-1}}

/* ── example scenario box ── */
.hw-example{background:linear-gradient(135deg,rgba(0,40,104,.03),rgba(0,135,90,.03));border:1px solid rgba(0,40,104,.12);border-radius:var(--r);padding:18px 20px;margin-top:12px}
.hw-example .hw-ex-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.hw-ex-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.hw-ex-card{background:var(--white);border:1px solid var(--border);border-radius:7px;padding:9px;text-align:center}
.hw-ex-card .hw-ex-val{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800}
.hw-ex-card .hw-ex-lbl{font-size:10px;color:var(--gray);margin-top:2px}
@media(max-width:540px){.hw-ex-grid{grid-template-columns:1fr 1fr}}

/* ── eligibility mini table ── */
.hw-elig{width:100%;border-collapse:collapse;margin-top:12px;font-size:12px;border-radius:8px;overflow:hidden;border:1px solid var(--border)}
.hw-elig th{background:var(--navy);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.hw-elig td{padding:7px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.hw-elig tr:last-child td{border-bottom:none}
.hw-elig tr:nth-child(even) td{background:var(--bg)}
.hw-elig .hw-pass{color:var(--green);font-weight:700}
.hw-elig .hw-warn{color:var(--orange);font-weight:700}
.hw-elig .hw-fail{color:var(--red);font-weight:700}

/* ── biz split visual ── */
.hw-biz-split{display:grid;grid-template-columns:1fr auto 1fr;gap:10px;align-items:center;margin-top:12px}
.hw-biz-box{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:12px;text-align:center}
.hw-biz-box .hw-biz-icon{font-size:20px;margin-bottom:4px}
.hw-biz-box .hw-biz-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.4px}
.hw-biz-box .hw-biz-val{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--charcoal);margin-top:2px}
.hw-biz-box.pers{border-color:rgba(0,40,104,.2)}
.hw-biz-box.pers .hw-biz-val{color:var(--navy)}
.hw-biz-box.busi{border-color:rgba(124,58,237,.2)}
.hw-biz-box.busi .hw-biz-val{color:var(--purple)}
.hw-biz-plus{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--border)}
@media(max-width:500px){.hw-biz-split{grid-template-columns:1fr;gap:6px}.hw-biz-plus{text-align:center;font-size:16px}}

/* ── bottom export bar ── */
.hw-export{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.hw-exp-btn{display:inline-flex;align-items:center;gap:5px;padding:7px 14px;border-radius:7px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;border:none;cursor:default}
.hw-exp-pdf{background:var(--bg);color:var(--charcoal);border:1.5px solid var(--border)}
.hw-exp-wa{background:#25D366;color:#fff}
.hw-exp-share{background:rgba(0,40,104,.06);color:var(--navy);border:1.5px solid rgba(0,40,104,.14)}

/* ── responsive ── */
@media(max-width:600px){
  .hw-step{grid-template-columns:44px 1fr;gap:0}
  .hw-card{padding:14px 14px}
  .hw-card h3{font-size:13px}
  .hw-card .hw-sub{font-size:12.5px}
}
/* ══════════════════════════════════════════════════════════════
   EDUCATIONAL CONTENT — "ed-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.ed{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.ed-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.ed-head{text-align:center;margin-bottom:40px}
.ed-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,135,90,.06);border:1px solid rgba(0,135,90,.14);color:var(--green);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.ed-badge .ed-dot{width:7px;height:7px;background:var(--green);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.ed h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.ed h2 span{color:var(--navy)}
.ed-head p{font-size:15px;color:var(--gray);max-width:780px;margin:0 auto;line-height:1.75}

/* ── hero definition card ── */
.ed-hero-card{background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 60%,#1e4d7b 100%);border-radius:var(--r);padding:28px 24px;margin-bottom:36px;position:relative;overflow:hidden}
.ed-hero-card::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.ed-hero-inner{position:relative;z-index:1}
.ed-hero-label{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.8px;margin-bottom:6px}
.ed-hero-card h3{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,26px);font-weight:900;color:#fff;line-height:1.2;margin-bottom:10px}
.ed-hero-card h3 em{color:#FCD34D;font-style:normal}
.ed-hero-card p{font-size:14px;color:rgba(255,255,255,.82);line-height:1.75;max-width:680px}
.ed-hero-formula{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:8px;padding:14px 18px;margin-top:16px;display:inline-block}
.ed-hero-formula .ed-hf-label{font-size:10px;font-weight:700;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px}
.ed-hero-formula code{font-family:'Montserrat',sans-serif;font-size:clamp(13px,2vw,16px);font-weight:800;color:#FCD34D;display:block}
.ed-hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:18px}
.ed-hs{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:8px;padding:12px 10px;text-align:center}
.ed-hs .ed-hs-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:#fff}
.ed-hs .ed-hs-lbl{font-size:10.5px;color:rgba(255,255,255,.6);margin-top:2px}
@media(max-width:500px){.ed-hero-stats{grid-template-columns:1fr}}

/* ── category label ── */
.ed-cat{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;margin-bottom:16px;margin-top:36px;display:flex;align-items:center;gap:8px;padding-bottom:8px;border-bottom:2px solid var(--border);color:var(--navy)}
.ed-cat:first-of-type{margin-top:0}

/* ── term cards grid ── */
.ed-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:700px){.ed-grid{grid-template-columns:1fr}}

/* ── individual term card ── */
.ed-term{background:var(--white);border:1px solid var(--border);border-radius:var(--r);padding:18px 18px 16px;box-shadow:var(--sh-sm);transition:box-shadow var(--tr),border-color var(--tr);display:flex;flex-direction:column}
.ed-term:hover{box-shadow:var(--sh-md);border-color:rgba(0,40,104,.2)}
.ed-term-head{display:flex;align-items:flex-start;gap:10px;margin-bottom:8px}
.ed-term-icon{width:34px;height:34px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.ed-term-icon.navy{background:rgba(0,40,104,.08)}
.ed-term-icon.green{background:rgba(0,135,90,.08)}
.ed-term-icon.red{background:rgba(191,10,48,.08)}
.ed-term-icon.gold{background:rgba(184,130,0,.08)}
.ed-term-icon.purple{background:rgba(124,58,237,.08)}
.ed-term-icon.orange{background:rgba(218,113,1,.08)}
.ed-term-name{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal);line-height:1.25}
.ed-term-aka{font-size:11px;color:var(--gray);font-weight:500;margin-top:1px}
.ed-term p{font-size:12.5px;color:var(--gray);line-height:1.7;flex:1}
.ed-term p strong{color:var(--charcoal)}

/* ── inline highlight box inside card ── */
.ed-highlight{background:var(--bg);border:1px solid var(--border);border-radius:7px;padding:8px 11px;margin-top:10px;font-size:11.5px;line-height:1.55;display:flex;align-items:flex-start;gap:6px}
.ed-highlight .ed-h-icon{flex-shrink:0;margin-top:1px}

/* ── FICO weight bar ── */
.ed-fico-bar{margin-top:12px}
.ed-fb-row{display:flex;align-items:center;gap:8px;margin-bottom:6px}
.ed-fb-label{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--charcoal);min-width:110px;text-transform:uppercase;letter-spacing:.3px}
.ed-fb-track{flex:1;background:#eee;border-radius:20px;height:8px;overflow:hidden}
.ed-fb-fill{height:100%;border-radius:20px;transition:width .6s ease}
.ed-fb-pct{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;min-width:32px;text-align:right}
@media(max-width:420px){.ed-fb-label{min-width:80px;font-size:9px}}

/* ── utilization zone strip ── */
.ed-zone-strip{display:grid;grid-template-columns:repeat(5,1fr);gap:3px;margin-top:10px;border-radius:7px;overflow:hidden}
.ed-zs{text-align:center;padding:7px 3px;color:#fff}
.ed-zs-pct{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;line-height:1.2}
.ed-zs-lbl{font-size:8.5px;font-weight:600;opacity:.85;margin-top:1px}
@media(max-width:500px){.ed-zone-strip{grid-template-columns:repeat(3,1fr)}.ed-zone-strip .ed-zs:nth-child(4),.ed-zone-strip .ed-zs:nth-child(5){grid-column:auto}}

/* ── DTI comparison table ── */
.ed-dti-table{width:100%;border-collapse:collapse;margin-top:10px;font-size:12px;border-radius:8px;overflow:hidden;border:1px solid var(--border)}
.ed-dti-table th{background:var(--navy);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.ed-dti-table td{padding:7px 10px;border-bottom:1px solid var(--border);color:var(--charcoal);font-size:11.5px}
.ed-dti-table tr:last-child td{border-bottom:none}
.ed-dti-table tr:nth-child(even) td{background:var(--bg)}

/* ── full-width term card ── */
.ed-term.full{grid-column:1/-1}

/* ── versus box ── */
.ed-vs{display:grid;grid-template-columns:1fr auto 1fr;gap:10px;align-items:center;margin-top:10px}
.ed-vs-box{background:var(--bg);border:1px solid var(--border);border-radius:7px;padding:10px;text-align:center}
.ed-vs-box .ed-vs-title{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.3px;margin-bottom:3px}
.ed-vs-box .ed-vs-desc{font-size:11px;color:var(--gray);line-height:1.45}
.ed-vs-mid{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--border)}
@media(max-width:500px){.ed-vs{grid-template-columns:1fr;gap:6px}.ed-vs-mid{text-align:center;font-size:12px}}
/* ══════════════════════════════════════════════════════════════
   5 REAL EXAMPLES — "ex-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.ex{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.ex-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.ex-head{text-align:center;margin-bottom:40px}
.ex-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.14);color:var(--red);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.ex-badge .ex-dot{width:7px;height:7px;background:var(--red);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.ex h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.ex h2 span{color:var(--navy)}
.ex-head p{font-size:15px;color:var(--gray);max-width:780px;margin:0 auto;line-height:1.75}

/* ── example card shell ── */
.ex-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);margin-bottom:24px;overflow:hidden;transition:box-shadow var(--tr)}
.ex-card:hover{box-shadow:var(--sh-md)}
.ex-card:last-child{margin-bottom:0}

/* ── card header banner ── */
.ex-header{padding:20px 22px 16px;position:relative;overflow:hidden}
.ex-header::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.ex-header-inner{position:relative;z-index:1;display:flex;align-items:flex-start;justify-content:space-between;gap:14px;flex-wrap:wrap}
.ex-header.navy{background:linear-gradient(135deg,#0f2540,#1a3a5c)}
.ex-header.green{background:linear-gradient(135deg,#003d2e,#00664a)}
.ex-header.red{background:linear-gradient(135deg,#4a0d1a,#7a1228)}
.ex-header.gold{background:linear-gradient(135deg,#4a3800,#6b5200)}
.ex-header.purple{background:linear-gradient(135deg,#2d1656,#4a2580)}
.ex-hdr-left{flex:1;min-width:200px}
.ex-number{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:1px;margin-bottom:4px}
.ex-name{font-family:'Montserrat',sans-serif;font-size:clamp(16px,2.5vw,22px);font-weight:900;color:#fff;line-height:1.2;margin-bottom:3px}
.ex-persona{font-size:12.5px;color:rgba(255,255,255,.7);line-height:1.5}
.ex-hdr-right{text-align:right}
.ex-gauge-mini{display:flex;flex-direction:column;align-items:center;gap:2px}
.ex-pct{font-family:'Montserrat',sans-serif;font-size:clamp(26px,4vw,38px);font-weight:900;color:#fff;line-height:1}
.ex-zone-pill{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;padding:3px 10px;border-radius:10px;text-transform:uppercase;letter-spacing:.3px;color:#fff}
.ex-zone-pill.exceptional{background:rgba(0,135,90,.6)}
.ex-zone-pill.good{background:rgba(74,143,63,.6)}
.ex-zone-pill.fair{background:rgba(209,153,0,.6)}
.ex-zone-pill.poor{background:rgba(218,113,1,.6)}
.ex-zone-pill.critical{background:rgba(191,10,48,.6)}

/* ── body content ── */
.ex-body{padding:20px 22px 22px}

/* ── persona context bar ── */
.ex-context{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:16px}
.ex-ctx{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:8px 10px;text-align:center}
.ex-ctx .ex-ctx-val{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--charcoal)}
.ex-ctx .ex-ctx-lbl{font-size:10px;color:var(--gray);margin-top:1px}
@media(max-width:540px){.ex-context{grid-template-columns:1fr 1fr}}

/* ── accounts table ── */
.ex-accts{width:100%;border-collapse:collapse;font-size:12px;border-radius:8px;overflow:hidden;border:1px solid var(--border);margin-bottom:14px}
.ex-accts th{background:var(--navy);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.ex-accts td{padding:7px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.ex-accts tr:last-child td{border-bottom:none}
.ex-accts tr:nth-child(even) td{background:var(--bg)}
.ex-accts .ex-bar-wrap{width:70px;background:#eee;border-radius:20px;height:6px;overflow:hidden;display:inline-block;vertical-align:middle;margin-right:4px}
.ex-accts .ex-bar-fill{height:100%;border-radius:20px}
.ex-accts .ex-util-val{font-family:'Montserrat',sans-serif;font-weight:700;font-size:11px}
@media(max-width:600px){.ex-accts{font-size:11px}.ex-accts th,.ex-accts td{padding:6px 7px}.ex-accts .ex-bar-wrap{width:50px}}

/* ── rank badge ── */
.ex-rank{display:inline-flex;align-items:center;justify-content:center;width:18px;height:18px;border-radius:50%;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;color:#fff;flex-shrink:0;margin-right:4px}

/* ── totals row ── */
.ex-accts .ex-total td{background:rgba(0,40,104,.04);font-weight:700;border-top:2px solid var(--navy)}

/* ── result metrics ── */
.ex-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:14px}
.ex-mc{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px;text-align:center;transition:box-shadow var(--tr)}
.ex-mc:hover{box-shadow:var(--sh-sm)}
.ex-mc .ex-mc-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;line-height:1.1}
.ex-mc .ex-mc-lbl{font-size:10px;color:var(--gray);margin-top:3px}
@media(max-width:540px){.ex-metrics{grid-template-columns:1fr 1fr}}

/* ── FICO impact zone band (mini) ── */
.ex-fico-band{display:grid;grid-template-columns:repeat(5,1fr);gap:2px;border-radius:6px;overflow:hidden;margin-bottom:14px}
.ex-fb{padding:5px 3px;text-align:center;color:#fff;opacity:.4;transition:opacity .3s}
.ex-fb.active{opacity:1}
.ex-fb-pct{font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;line-height:1.2}
.ex-fb-lbl{font-size:8px;font-weight:600;opacity:.85}

/* ── insight box ── */
.ex-insight{border-radius:8px;padding:12px 14px;display:flex;align-items:flex-start;gap:8px;margin-bottom:14px}
.ex-insight.green-box{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.2)}
.ex-insight.red-box{background:rgba(191,10,48,.05);border:1px solid rgba(191,10,48,.2)}
.ex-insight.gold-box{background:rgba(184,130,0,.05);border:1px solid rgba(184,130,0,.2)}
.ex-insight.navy-box{background:rgba(0,40,104,.05);border:1px solid rgba(0,40,104,.15)}
.ex-insight.purple-box{background:rgba(124,58,237,.05);border:1px solid rgba(124,58,237,.2)}
.ex-insight .ex-ins-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.ex-insight .ex-ins-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;margin-bottom:2px}
.ex-insight .ex-ins-text{font-size:12px;color:var(--gray);line-height:1.6}
.ex-insight .ex-ins-text strong{color:var(--charcoal)}

/* ── pay-to-target mini table ── */
.ex-ptt{width:100%;border-collapse:collapse;font-size:11.5px;border-radius:7px;overflow:hidden;border:1px solid var(--border);margin-bottom:14px}
.ex-ptt th{background:var(--green);color:#fff;padding:6px 9px;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.ex-ptt td{padding:6px 9px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.ex-ptt tr:last-child td{border-bottom:none}
.ex-ptt tr:nth-child(even) td{background:var(--bg)}
.ex-ptt .ex-ptt-total td{background:rgba(0,135,90,.06);font-weight:700;border-top:2px solid var(--green)}
.ex-ptt .at-target{color:var(--green);font-weight:700}

/* ── action step pills ── */
.ex-actions{display:flex;flex-wrap:wrap;gap:6px}
.ex-act{display:inline-flex;align-items:center;gap:5px;padding:5px 12px;border-radius:20px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;background:var(--bg);border:1px solid var(--border);color:var(--charcoal)}
.ex-act .ex-act-num{width:18px;height:18px;border-radius:50%;background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:9px}

/* ── DTI mini display ── */
.ex-dti-row{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:14px}
.ex-dti-box{background:var(--bg);border-radius:8px;padding:10px 12px;text-align:center;border:1px solid var(--border)}
.ex-dti-box .ex-dti-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800}
.ex-dti-box .ex-dti-lbl{font-size:10px;color:var(--gray);margin-top:2px}
.ex-dti-box .ex-dti-tag{font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;padding:2px 8px;border-radius:10px;display:inline-block;margin-top:4px;color:#fff}

/* ── biz split mini ── */
.ex-biz-row{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:center;margin-bottom:14px}
.ex-biz-box{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px;text-align:center}
.ex-biz-box .ex-biz-val{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800}
.ex-biz-box .ex-biz-lbl{font-size:10px;color:var(--gray);margin-top:2px}
.ex-biz-mid{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;color:var(--border)}
@media(max-width:480px){.ex-biz-row{grid-template-columns:1fr;gap:5px}.ex-biz-mid{text-align:center;font-size:13px}}
/* ══════════════════════════════════════════════════════════════
   5 PRO TIPS — "pt-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.pt{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.pt-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.pt-head{text-align:center;margin-bottom:40px}
.pt-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(184,130,0,.06);border:1px solid rgba(184,130,0,.18);color:var(--gold);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.pt-badge .pt-dot{width:7px;height:7px;background:var(--gold);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.pt h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.pt h2 span{color:var(--navy)}
.pt-head p{font-size:15px;color:var(--gray);max-width:780px;margin:0 auto;line-height:1.75}

/* ── tip cards ── */
.pt-cards{display:flex;flex-direction:column;gap:20px}

.pt-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);overflow:hidden;transition:box-shadow var(--tr),border-color var(--tr)}
.pt-card:hover{box-shadow:var(--sh-md);border-color:rgba(0,40,104,.15)}

/* ── card header row ── */
.pt-card-head{display:flex;align-items:stretch;gap:0}
.pt-num-col{width:70px;display:flex;flex-direction:column;align-items:center;justify-content:center;flex-shrink:0;position:relative}
.pt-num-col::after{content:'';position:absolute;right:0;top:12px;bottom:12px;width:1px;background:var(--border)}
.pt-num{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:17px;font-weight:900;color:#fff}
.pt-num.navy{background:var(--navy)}
.pt-num.green{background:var(--green)}
.pt-num.red{background:var(--red)}
.pt-num.gold{background:var(--gold)}
.pt-num.purple{background:var(--purple)}
.pt-title-col{flex:1;padding:16px 20px;display:flex;flex-direction:column;justify-content:center}
.pt-card h3{font-family:'Montserrat',sans-serif;font-size:clamp(14px,2.2vw,17px);font-weight:800;color:var(--charcoal);line-height:1.25;margin-bottom:2px}
.pt-card .pt-tagline{font-size:12.5px;color:var(--gray);font-weight:500}
.pt-impact-pill{display:inline-flex;align-items:center;gap:4px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;padding:3px 10px;border-radius:10px;margin-left:auto;flex-shrink:0;align-self:center;margin-right:20px;white-space:nowrap}
.pt-impact-pill.high{background:rgba(0,135,90,.08);color:var(--green);border:1px solid rgba(0,135,90,.15)}
.pt-impact-pill.medium{background:rgba(184,130,0,.08);color:var(--gold);border:1px solid rgba(184,130,0,.15)}
.pt-impact-pill.extreme{background:rgba(191,10,48,.08);color:var(--red);border:1px solid rgba(191,10,48,.15)}
@media(max-width:640px){.pt-impact-pill{display:none}}

/* ── card body ── */
.pt-card-body{padding:0 20px 20px 20px}

/* ── explanation text ── */
.pt-card-body .pt-text{font-size:13.5px;color:var(--gray);line-height:1.75;margin-bottom:14px}
.pt-card-body .pt-text strong{color:var(--charcoal)}

/* ── before/after comparison ── */
.pt-ba{display:grid;grid-template-columns:1fr auto 1fr;gap:10px;align-items:stretch;margin-bottom:14px}
.pt-ba-box{border-radius:9px;padding:14px 12px;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center}
.pt-ba-box.before{background:rgba(191,10,48,.04);border:1.5px solid rgba(191,10,48,.15)}
.pt-ba-box.after{background:rgba(0,135,90,.04);border:1.5px solid rgba(0,135,90,.15)}
.pt-ba-label{font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px}
.pt-ba-box.before .pt-ba-label{color:var(--red)}
.pt-ba-box.after .pt-ba-label{color:var(--green)}
.pt-ba-val{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3.5vw,30px);font-weight:900;line-height:1}
.pt-ba-box.before .pt-ba-val{color:var(--red)}
.pt-ba-box.after .pt-ba-val{color:var(--green)}
.pt-ba-sub{font-size:11px;color:var(--gray);margin-top:4px;line-height:1.4}
.pt-ba-arrow{display:flex;align-items:center;justify-content:center;font-size:22px;color:var(--border)}
@media(max-width:500px){.pt-ba{grid-template-columns:1fr;gap:6px}.pt-ba-arrow{transform:rotate(90deg);font-size:18px}}

/* ── timeline / steps inside card ── */
.pt-steps{display:flex;flex-direction:column;gap:8px;margin-bottom:14px}
.pt-step{display:flex;align-items:flex-start;gap:10px;background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px 12px}
.pt-step-num{width:24px;height:24px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;flex-shrink:0;margin-top:1px}
.pt-step-text{font-size:12.5px;color:var(--gray);line-height:1.6}
.pt-step-text strong{color:var(--charcoal)}

/* ── data grid (for numbers / stats) ── */
.pt-data{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:14px}
.pt-data-card{background:var(--bg);border:1px solid var(--border);border-radius:8px;padding:10px;text-align:center}
.pt-data-card .pt-d-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;line-height:1.1}
.pt-data-card .pt-d-lbl{font-size:10px;color:var(--gray);margin-top:3px;line-height:1.3}
@media(max-width:500px){.pt-data{grid-template-columns:1fr 1fr}.pt-data .pt-data-card:last-child{grid-column:1/-1}}

/* ── warning / insight box ── */
.pt-insight{border-radius:8px;padding:11px 13px;display:flex;align-items:flex-start;gap:8px;margin-bottom:14px}
.pt-insight.green{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18)}
.pt-insight.navy{background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.14)}
.pt-insight.gold{background:rgba(184,130,0,.05);border:1px solid rgba(184,130,0,.18)}
.pt-insight.red{background:rgba(191,10,48,.05);border:1px solid rgba(191,10,48,.18)}
.pt-insight .pt-i-icon{font-size:16px;flex-shrink:0;margin-top:1px}
.pt-insight .pt-i-text{font-size:12px;color:var(--gray);line-height:1.6}
.pt-insight .pt-i-text strong{color:var(--charcoal)}

/* ── do/don't split ── */
.pt-dodont{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
.pt-do,.pt-dont{border-radius:8px;padding:12px 14px}
.pt-do{background:rgba(0,135,90,.04);border:1.5px solid rgba(0,135,90,.15)}
.pt-dont{background:rgba(191,10,48,.04);border:1.5px solid rgba(191,10,48,.15)}
.pt-dodont-title{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px;display:flex;align-items:center;gap:5px}
.pt-do .pt-dodont-title{color:var(--green)}
.pt-dont .pt-dodont-title{color:var(--red)}
.pt-dodont-list{font-size:12px;color:var(--gray);line-height:1.7}
.pt-dodont-list strong{color:var(--charcoal)}
@media(max-width:560px){.pt-dodont{grid-template-columns:1fr}}

/* ── card issuer table ── */
.pt-issuer-table{width:100%;border-collapse:collapse;font-size:11.5px;border-radius:8px;overflow:hidden;border:1px solid var(--border);margin-bottom:14px}
.pt-issuer-table th{background:var(--navy);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.pt-issuer-table td{padding:7px 10px;border-bottom:1px solid var(--border);color:var(--charcoal)}
.pt-issuer-table tr:last-child td{border-bottom:none}
.pt-issuer-table tr:nth-child(even) td{background:var(--bg)}
.pt-soft{color:var(--green);font-weight:700}
.pt-hard{color:var(--red);font-weight:700}

/* ── mobile impact pill (shows only on mobile) ── */
.pt-impact-mobile{display:none;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;padding:2px 8px;border-radius:10px;margin-top:3px;width:fit-content}
.pt-impact-mobile.high{background:rgba(0,135,90,.08);color:var(--green)}
.pt-impact-mobile.medium{background:rgba(184,130,0,.08);color:var(--gold)}
.pt-impact-mobile.extreme{background:rgba(191,10,48,.08);color:var(--red)}
@media(max-width:640px){.pt-impact-mobile{display:inline-flex}}

/* ── responsive number column ── */
@media(max-width:480px){
  .pt-num-col{width:52px}
  .pt-num{width:36px;height:36px;font-size:15px}
  .pt-title-col{padding:12px 14px}
  .pt-card-body{padding:0 14px 16px}
}
/* ══════════════════════════════════════════════════════════════
   FAQs — "fq-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.fq{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.fq-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.fq-head{text-align:center;margin-bottom:40px}
.fq-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.14);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.fq-badge .fq-dot{width:7px;height:7px;background:var(--navy);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.fq h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.fq h2 span{color:var(--navy)}
.fq-head p{font-size:15px;color:var(--gray);max-width:780px;margin:0 auto;line-height:1.75}

/* ── category tabs ── */
.fq-tabs{display:flex;gap:4px;background:var(--border);padding:4px;border-radius:10px;margin-bottom:24px;width:fit-content;flex-wrap:wrap;margin-left:auto;margin-right:auto}
.fq-tab{padding:8px 16px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;border:none;border-radius:7px;cursor:pointer;background:transparent;color:var(--gray);transition:all var(--tr);white-space:nowrap}
.fq-tab.active{background:var(--navy);color:#fff;box-shadow:var(--sh-sm)}
.fq-tab:hover:not(.active){background:var(--white);color:var(--navy)}

/* ── category groups ── */
.fq-group{display:none}
.fq-group.active{display:block}

/* ── category label ── */
.fq-cat{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;margin-bottom:12px;display:flex;align-items:center;gap:8px;padding-bottom:8px;border-bottom:2px solid var(--border);color:var(--navy)}

/* ── accordion ── */
.fq-list{display:flex;flex-direction:column;gap:8px;margin-bottom:28px}
.fq-list:last-child{margin-bottom:0}

.fq-item{background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);overflow:hidden;transition:border-color var(--tr),box-shadow var(--tr)}
.fq-item:hover{border-color:rgba(0,40,104,.18)}
.fq-item.open{border-color:rgba(0,40,104,.22);box-shadow:var(--sh-md)}

.fq-q{display:flex;align-items:center;gap:10px;padding:14px 18px;cursor:pointer;user-select:none;width:100%;text-align:left;border:none;background:none;font-family:inherit}
.fq-q:focus-visible{outline:2px solid var(--navy);outline-offset:-2px;border-radius:var(--r)}
.fq-num{width:26px;height:26px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:#fff;flex-shrink:0}
.fq-num.navy{background:var(--navy)}
.fq-num.green{background:var(--green)}
.fq-num.red{background:var(--red)}
.fq-num.gold{background:var(--gold)}
.fq-num.purple{background:var(--purple)}
.fq-num.orange{background:var(--orange)}
.fq-q-text{flex:1;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--charcoal);line-height:1.35}
.fq-toggle{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s ease,background .2s;background:var(--bg);border:1px solid var(--border)}
.fq-toggle svg{width:14px;height:14px;stroke:var(--gray);stroke-width:2;fill:none;transition:stroke .2s}
.fq-item.open .fq-toggle{transform:rotate(180deg);background:var(--navy);border-color:var(--navy)}
.fq-item.open .fq-toggle svg{stroke:#fff}

.fq-a{max-height:0;overflow:hidden;transition:max-height .4s cubic-bezier(.4,0,.2,1),padding .3s}
.fq-item.open .fq-a{max-height:800px}
.fq-a-inner{padding:0 18px 16px 54px;font-size:13px;color:var(--gray);line-height:1.75}
.fq-a-inner strong{color:var(--charcoal)}

/* ── inline formula ── */
.fq-formula{background:var(--bg);border:1px solid var(--border);border-radius:7px;padding:8px 12px;margin:8px 0;display:inline-block}
.fq-formula code{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy)}

/* ── inline highlight ── */
.fq-hl{background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.12);border-radius:7px;padding:8px 12px;margin-top:8px;font-size:12px;line-height:1.6;display:flex;align-items:flex-start;gap:6px}
.fq-hl .fq-hl-icon{flex-shrink:0;margin-top:1px}

/* ── mobile ── */
@media(max-width:640px){
  .fq-q{padding:12px 14px;gap:8px}
  .fq-q-text{font-size:12.5px}
  .fq-a-inner{padding:0 14px 14px 14px;font-size:12.5px}
  .fq-num{width:22px;height:22px;font-size:10px;border-radius:5px}
  .fq-toggle{width:24px;height:24px}
  .fq-toggle svg{width:12px;height:12px}
}
@media(max-width:480px){
  .fq-tabs{width:100%;justify-content:center}
  .fq-tab{padding:6px 11px;font-size:10.5px}
}
/* ══════════════════════════════════════════════════════════════
   RELATED CALCULATORS — "rc-" prefix avoids class collision
   ══════════════════════════════════════════════════════════════ */

.rc{max-width:1260px;margin:0 auto;padding:0 22px 56px}
.rc-divider{width:100%;height:1px;background:linear-gradient(90deg,transparent,var(--border),transparent);margin:0 auto 56px}

/* ── section head ── */
.rc-head{text-align:center;margin-bottom:36px}
.rc-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.14);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:14px;letter-spacing:.4px;text-transform:uppercase}
.rc-badge .rc-dot{width:7px;height:7px;background:var(--navy);border-radius:50%;animation:blink 1.5s ease-in-out infinite}
.rc h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(20px,3.5vw,30px);color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.rc h2 span{color:var(--navy)}
.rc-head p{font-size:15px;color:var(--gray);max-width:780px;margin:0 auto;line-height:1.75}

/* ── category filter ── */
.rc-filters{display:flex;gap:4px;background:var(--border);padding:4px;border-radius:10px;margin-bottom:28px;width:fit-content;flex-wrap:wrap;margin-left:auto;margin-right:auto}
.rc-filter{padding:7px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;border:none;border-radius:7px;cursor:pointer;background:transparent;color:var(--gray);transition:all var(--tr);white-space:nowrap}
.rc-filter.active{background:var(--navy);color:#fff;box-shadow:var(--sh-sm)}
.rc-filter:hover:not(.active){background:var(--white);color:var(--navy)}

/* ── cards grid ── */
.rc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}

/* ── card ── */
.rc-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:border-color var(--tr),box-shadow var(--tr),transform .25s ease;box-shadow:var(--sh-sm);position:relative}
.rc-card:hover{border-color:var(--navy);box-shadow:var(--sh-md);transform:translateY(-4px)}

/* ── card category tag ── */
.rc-cat{position:absolute;top:12px;right:12px;font-family:'Montserrat',sans-serif;font-size:8.5px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;padding:3px 8px;border-radius:6px}
.rc-cat.credit{background:rgba(0,40,104,.08);color:var(--navy)}
.rc-cat.loans{background:rgba(0,135,90,.08);color:var(--green)}
.rc-cat.personal{background:rgba(184,130,0,.08);color:var(--gold)}
.rc-cat.taxes{background:rgba(107,63,175,.08);color:var(--purple)}
.rc-cat.mortgage{background:rgba(191,10,48,.08);color:var(--red)}

/* ── icon area ── */
.rc-icon-wrap{padding:22px 18px 0;display:flex;align-items:center;gap:12px}
.rc-icon{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.rc-icon.navy{background:rgba(0,40,104,.08)}
.rc-icon.green{background:rgba(0,135,90,.08)}
.rc-icon.red{background:rgba(191,10,48,.08)}
.rc-icon.gold{background:rgba(184,130,0,.08)}
.rc-icon.purple{background:rgba(107,63,175,.08)}

/* ── relevance meter ── */
.rc-rel{display:flex;align-items:center;gap:5px;margin-left:auto}
.rc-rel-label{font-family:'Montserrat',sans-serif;font-size:8.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;color:var(--gray)}
.rc-dots{display:flex;gap:2px}
.rc-dots span{width:6px;height:6px;border-radius:50%;background:var(--border)}
.rc-dots span.filled{background:var(--navy)}

/* ── text ── */
.rc-body{padding:14px 18px 16px;display:flex;flex-direction:column;flex:1}
.rc-card h3{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal);line-height:1.3;margin-bottom:6px}
.rc-card .rc-desc{font-size:12px;color:var(--gray);line-height:1.65;margin-bottom:12px;flex:1}

/* ── why-related pill ── */
.rc-why{font-size:10.5px;color:var(--navy);background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.1);border-radius:7px;padding:6px 10px;line-height:1.5;margin-bottom:12px}
.rc-why strong{font-weight:700}

/* ── link row ── */
.rc-link{display:flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-top:auto}
.rc-link svg{width:14px;height:14px;transition:transform .25s ease}
.rc-card:hover .rc-link svg{transform:translateX(4px)}

/* ── hidden by filter ── */
.rc-card.rc-hidden{display:none}

/* ── responsive ── */
@media(max-width:1024px){.rc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:768px){.rc-grid{grid-template-columns:repeat(2,1fr);gap:12px}}
@media(max-width:540px){
  .rc-grid{grid-template-columns:1fr;gap:10px}
  .rc-card{flex-direction:row;align-items:stretch}
  .rc-icon-wrap{padding:14px 0 14px 14px;flex-direction:column;width:60px;align-items:center;justify-content:center}
  .rc-rel{display:none}
  .rc-body{padding:12px 14px}
  .rc-cat{top:8px;right:8px;font-size:7.5px;padding:2px 6px}
}
@media(max-width:480px){
  .rc-filters{width:100%;justify-content:center}
  .rc-filter{padding:5px 10px;font-size:10px}
  .rc-icon-wrap{width:50px}
  .rc-icon{width:36px;height:36px;font-size:18px;border-radius:8px}
}
/* ══════════════════════════════════════════════════════════════
   LEGAL / EDITORIAL — "disc-", "etrans-", "gov-", "team-", "stamp-"
   ══════════════════════════════════════════════════════════════ */

/* ── Card Container ── */
#legal-disclaimer{max-width:1260px;margin:0 auto 56px;padding:0 22px}
#legal-disclaimer .card{background:var(--white);border:1px solid var(--border);border-radius:var(--r);box-shadow:var(--sh-sm);overflow:hidden}

/* ── Card Header ── */
.ch{display:flex;align-items:center;gap:14px;padding:20px 22px;background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 60%,#1e4d7b 100%);position:relative;overflow:hidden}
.ch::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.ci{width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0;position:relative;z-index:1}
.ci.cir{background:rgba(255,255,255,.12);color:#fff}
.ch .ct{font-family:'Montserrat',sans-serif;font-size:clamp(16px,2.5vw,22px);font-weight:900;color:#fff;line-height:1.2;margin-bottom:4px;position:relative;z-index:1}
.ch .cs{font-size:13px;color:rgba(255,255,255,.72);line-height:1.6;position:relative;z-index:1;max-width:700px}

/* ── Section Title (reusable label) ── */
.stl{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--navy);margin:28px 0 14px;display:flex;align-items:center;gap:8px;padding-bottom:10px;border-bottom:2px solid var(--border)}

/* ── Inner Padding ── */
.stp{padding:4px 22px 28px}

/* ── Warning Banner ── */
.disc-banner{background:linear-gradient(135deg,rgba(191,10,48,.06) 0%,rgba(191,10,48,.03) 100%);border:1.5px solid rgba(191,10,48,.22);border-radius:10px;padding:18px 20px;display:flex;align-items:flex-start;gap:14px;margin-top:20px}
.disc-bang{font-size:32px;flex-shrink:0;line-height:1}
.disc-banner-text h2{font-family:'Montserrat',sans-serif;font-size:clamp(14px,2.2vw,17px);font-weight:900;color:var(--red);margin-bottom:8px;line-height:1.25}
.disc-banner-text p{font-size:13px;color:var(--gray);line-height:1.75}
.disc-banner-text p strong{color:var(--charcoal)}

/* ── Disclaimer Blocks ── */
.disc-block{border-radius:9px;padding:14px 16px;margin-bottom:10px}
.disc-block.red{background:rgba(191,10,48,.04);border:1.5px solid rgba(191,10,48,.15)}
.disc-block.orange{background:rgba(218,113,1,.04);border:1.5px solid rgba(218,113,1,.15)}
.disc-block.navy{background:rgba(0,40,104,.04);border:1.5px solid rgba(0,40,104,.12)}
.disc-block.green{background:rgba(0,135,90,.04);border:1.5px solid rgba(0,135,90,.15)}
.disc-block-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:6px;line-height:1.3}
.disc-block-body{font-size:12.5px;color:var(--gray);line-height:1.75}
.disc-block-body strong{color:var(--charcoal)}
.disc-block-body ul{margin:8px 0 4px 18px;padding:0}
.disc-block-body li{margin-bottom:4px;line-height:1.65}
.disc-block-body a{color:var(--navy);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.disc-block-body a:hover{color:var(--red)}

/* ── Editorial Transparency Grid ── */
.etrans-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.etrans-item{background:var(--bg);border:1.5px solid var(--border);border-radius:9px;padding:14px;display:flex;align-items:flex-start;gap:12px;transition:border-color var(--tr)}
.etrans-item:hover{border-color:rgba(0,40,104,.18)}
.etrans-icon{width:38px;height:38px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.etrans-icon.cig{background:rgba(0,135,90,.08)}
.etrans-icon.cin{background:rgba(0,40,104,.08)}
.etrans-icon.cio{background:rgba(218,113,1,.08)}
.etrans-icon.cit{background:rgba(184,130,0,.08)}
.etrans-icon.cip{background:rgba(124,58,237,.08)}
.etrans-icon.cir{background:rgba(191,10,48,.08)}
.etrans-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);margin-bottom:4px}
.etrans-desc{font-size:11.5px;color:var(--gray);line-height:1.7}
@media(max-width:680px){.etrans-grid{grid-template-columns:1fr}}

/* ── Data Freshness Table ── */
.dt-table{width:100%;border-collapse:collapse;font-size:12px}
.dt-table th{background:var(--navy);color:#fff;padding:9px 12px;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;text-align:left}
.dt-table td{padding:9px 12px;border-bottom:1px solid var(--border);color:var(--charcoal);vertical-align:middle}
.dt-table tr:last-child td{border-bottom:none}
.dt-table tr:nth-child(even) td{background:var(--bg)}
.dt-table .label{font-weight:700;font-size:12px}
.badge{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:10px;font-size:10px;font-weight:700;white-space:nowrap}
.badge-live{background:rgba(0,135,90,.1);color:var(--green)}
.badge-static{background:rgba(0,40,104,.08);color:var(--navy)}
.badge-biannual{background:rgba(218,113,1,.08);color:var(--orange)}
.badge-annual{background:rgba(184,130,0,.08);color:var(--gold)}
@media(max-width:640px){
  .dt-table th,.dt-table td{padding:7px 8px;font-size:11px}
  .dt-table th{font-size:8.5px}
  .dt-table th:nth-child(3),.dt-table td:nth-child(3){display:none}
}

/* ── Government Source Cards ── */
.gov-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.gov-card{background:var(--bg);border:1.5px solid var(--border);border-radius:9px;padding:16px;display:flex;align-items:flex-start;gap:12px;text-decoration:none;color:inherit;transition:border-color var(--tr),box-shadow var(--tr),transform .25s ease}
.gov-card:hover{border-color:var(--navy);box-shadow:var(--sh-md);transform:translateY(-2px)}
.gov-seal{width:42px;height:42px;background:rgba(0,40,104,.07);border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.gov-agency{font-size:10px;color:var(--gray);font-weight:600;margin-bottom:3px;display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.gov-badge{display:inline-flex;padding:1px 6px;border-radius:6px;font-size:9px;font-weight:700;background:rgba(0,40,104,.08);color:var(--navy)}
.gov-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);line-height:1.3;margin-bottom:4px}
.gov-desc{font-size:11px;color:var(--gray);line-height:1.65;margin-bottom:6px}
.gov-url{font-size:10.5px;color:var(--navy);font-weight:600}
@media(max-width:680px){.gov-grid{grid-template-columns:1fr}}

/* ── Team Box ── */
.team-box{background:var(--bg);border:1.5px solid var(--border);border-radius:9px;padding:16px;display:flex;align-items:flex-start;gap:14px}
.team-avatar{width:48px;height:48px;background:rgba(0,40,104,.07);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0}
.team-name{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--charcoal);margin-bottom:2px}
.team-role{font-size:11.5px;color:var(--navy);font-weight:700;margin-bottom:6px}
.team-bio{font-size:12px;color:var(--gray);line-height:1.7;margin-bottom:8px}
.team-review{font-size:11px;color:var(--gray);line-height:1.6;background:var(--white);border:1px solid var(--border);border-radius:7px;padding:8px 10px}
@media(max-width:540px){
  .team-box{flex-direction:column;align-items:center;text-align:center}
  .team-avatar{margin-bottom:4px}
}

/* ── Bottom Stamp Bar ── */
.stamp-bar{display:flex;align-items:center;flex-wrap:wrap;gap:8px 16px;margin-top:24px;padding:14px 16px;background:var(--bg);border:1.5px solid var(--border);border-radius:9px;justify-content:center}
.stamp-item{font-size:11px;color:var(--gray);display:flex;align-items:center;gap:4px;white-space:nowrap}
.stamp-item strong{color:var(--charcoal);font-weight:700}
.stamp-sep{width:1px;height:14px;background:var(--border)}
@media(max-width:640px){
  .stamp-sep{display:none}
  .stamp-bar{flex-direction:column;gap:4px;text-align:center}
  .stamp-item{justify-content:center}
}

/* ── Mobile header fix ── */
@media(max-width:540px){
  .ch{flex-direction:column;text-align:center;padding:18px 16px}
  .ci{margin:0 auto 6px}
  .stp{padding:4px 16px 22px}
  .disc-banner{flex-direction:column;text-align:center;padding:14px}
  .disc-bang{margin:0 auto}
}

/* ── ACTIONS ── */
.calc-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.btn-calc{flex:1 1 160px;padding:12px 14px;background:var(--navy);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;cursor:pointer;transition:all var(--tr);display:flex;align-items:center;justify-content:center;gap:6px;white-space:nowrap}
.btn-calc:hover{background:var(--navy-dark);transform:translateY(-1px);box-shadow:var(--sh-md)}
.btn-sec{flex:1 1 100px;padding:11px 12px;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;cursor:pointer;transition:all var(--tr);display:flex;align-items:center;justify-content:center;gap:5px;white-space:nowrap}
.btn-pdf{background:var(--bg);color:var(--charcoal);border:1.5px solid var(--border)}
.btn-pdf:hover{background:var(--charcoal);color:#fff}
.btn-wa{background:#25D366;color:#fff}
.btn-wa:hover{background:#1da851}
.btn-rst{background:transparent;color:var(--gray);border:1.5px solid var(--border)}
.btn-rst:hover{border-color:var(--navy);color:var(--navy)}
.btn-pdf.h,.btn-wa.h,.btn-rst.h{display:none}

/* ─────────────────────────────────────────────
   MASTER MOBILE FIX: FORCE STACKING
   ───────────────────────────────────────────── */
@media screen and (max-width: 950px) {
  .calc-grid {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 24px !important;
  }
  
  .calc-panel,
  .res-panel {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
    margin: 0 !important;
  }

  .metrics,
  .ex-results {
    display: flex !important;
    flex-direction: column !important;
    width: 100% !important;
    gap: 12px !important;
  }
  
  .tw,
  .chart-wrap {
    overflow-x: auto !important;
    width: 100% !important;
    -webkit-overflow-scrolling: touch !important;
  }
}