/* =====================================================
   DEFAULT INTEREST RATE CALCULATOR — CSS
   USFinanceCalculators.com | Kadence Integration
   ===================================================== */
:root {
  --di-blue:    var(--global-palette1, #002868);
  --di-charcoal:var(--global-palette3, #1D1D1F);
  --di-gray:    var(--global-palette4, #5F6368);
  --di-border:  var(--global-palette5, #E0E4E8);
  --di-bg:      var(--global-palette6, #F7F9FC);
  --di-white:   var(--global-palette7, #FFFFFF);
  --di-red:     var(--global-palette8, #BF0A30);
  --di-green:   var(--global-palette9, #00875A);
  --di-amber:   #D97706;
  --di-purple:  #7C3AED;
  --di-teal:    #0891B2;
  --di-orange:  #EA580C;
  --di-crimson: #9B1C1C;
}

#diWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1200px; margin: 0 auto;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.di-header {
  background: linear-gradient(135deg, #1a0008 0%, #6b0019 40%, #002868 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.di-header::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 20% 50%, rgba(191,10,48,0.18) 0%, transparent 55%),
              radial-gradient(ellipse at 80% 50%, rgba(0,40,104,0.25) 0%, transparent 55%);
  pointer-events: none;
}
.di-header::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.di-alert-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(191,10,48,0.25); border: 1px solid rgba(191,10,48,0.4);
  color: #fca5a5; font-size: 0.68rem; font-weight: 700;
  padding: 4px 12px; border-radius: 20px; letter-spacing: 0.04em;
  margin-bottom: 14px; position: relative; z-index: 1;
}
.di-header-icon { font-size: 2.6rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.di-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important; font-weight: 800 !important;
  color: #fff !important; margin: 0 0 10px !important; line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.di-subtitle {
  font-size: 0.87rem; color: rgba(255,255,255,0.72);
  max-width: 820px; margin: 0 auto 22px; line-height: 1.65; position: relative; z-index: 1;
}
.di-badges { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
.di-badge {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
}

/* ---- MODE TABS ---- */
.di-modes {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;
  margin-bottom: 24px;
}
.di-mode-tab {
  padding: 12px 8px; border: 1.5px solid var(--di-border);
  background: var(--di-white); color: var(--di-gray);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700;
  border-radius: 12px; cursor: pointer; transition: all 0.2s;
  text-align: center; letter-spacing: 0.02em; line-height: 1.35;
  display: flex; flex-direction: column; align-items: center; gap: 5px;
}
.di-mode-tab .di-tab-icon { font-size: 1.4rem; }
.di-mode-tab.active { border-color: var(--di-blue); background: var(--di-blue); color: #fff; box-shadow: 0 3px 12px rgba(0,40,104,0.25); }
.di-mode-tab.lender-active { border-color: var(--di-orange); background: var(--di-orange); color: #fff; }
.di-mode-tab.invoice-active { border-color: var(--di-green); background: var(--di-green); color: #fff; }
.di-mode-tab.irs-active { border-color: var(--di-purple); background: var(--di-purple); color: #fff; }

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

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

/* ---- FORM ---- */
.di-r2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.di-r3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.di-field { margin-bottom: 10px; }
.di-field label { display: block; font-size: 0.74rem; font-weight: 600; color: var(--di-charcoal); margin-bottom: 4px; }
.di-field label .h { font-weight: 400; color: var(--di-gray); font-size: 0.68rem; }
.di-iw { display: flex; align-items: center; border: 1.5px solid var(--di-border); border-radius: 8px; overflow: hidden; background: var(--di-white); transition: border-color 0.2s; }
.di-iw:focus-within { border-color: var(--di-blue); }
.di-pre,.di-suf { background: var(--di-bg); color: var(--di-gray); font-size: 0.78rem; font-weight: 600; padding: 0 8px; height: 38px; display: flex; align-items: center; flex-shrink: 0; border-right: 1.5px solid var(--di-border); }
.di-suf { border-right: none; border-left: 1.5px solid var(--di-border); }
.di-iw input,.di-iw select { flex: 1; height: 38px; border: none; outline: none; background: transparent; font-size: 0.84rem; color: var(--di-charcoal); padding: 0 8px; min-width: 0; }
.di-sel { width: 100%; height: 38px; border: 1.5px solid var(--di-border); border-radius: 8px; background: var(--di-white); font-size: 0.82rem; color: var(--di-charcoal); padding: 0 8px; outline: none; cursor: pointer; transition: border-color 0.2s; }
.di-sel:focus { border-color: var(--di-blue); }

/* ---- INFO BOX ---- */
.di-info { background: #EFF6FF; border: 1px solid rgba(2,132,199,0.25); border-radius: 10px; padding: 10px 14px; margin-bottom: 12px; font-size: 0.77rem; line-height: 1.55; color: #1E40AF; display: flex; gap: 8px; }

/* ---- IRS TABLE ---- */
.di-irs-table-wrap { max-height: 200px; overflow-y: auto; border: 1px solid var(--di-border); border-radius: 8px; margin-bottom: 14px; }
.di-irs-table { width: 100%; border-collapse: collapse; font-size: 0.78rem; }
.di-irs-table thead tr { background: var(--di-purple); position: sticky; top: 0; }
.di-irs-table thead th { padding: 7px 10px; color: #fff; font-size: 0.67rem; font-weight: 700; letter-spacing: 0.04em; text-align: left; }
.di-irs-table tbody tr:nth-child(even) { background: var(--di-bg); }
.di-irs-table tbody td { padding: 6px 10px; }
.di-irs-table tbody tr.active-row { background: rgba(124,58,237,0.1); font-weight: 700; }

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

/* ---- BUTTONS ---- */
.di-calc-btn { width: 100%; padding: 14px; background: var(--di-red); color: #fff; font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 800; border: none; border-radius: 10px; cursor: pointer; letter-spacing: 0.04em; transition: all 0.2s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.di-calc-btn:hover { background: #9b0826; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(191,10,48,0.3); }
.di-reset-btn { width: 100%; padding: 10px; background: transparent; color: var(--di-gray); font-size: 0.78rem; font-weight: 600; border: 1.5px solid var(--di-border); border-radius: 10px; cursor: pointer; margin-top: 8px; transition: all 0.2s; }
.di-reset-btn:hover { border-color: var(--di-gray); }
.di-err { background: #FFF5F7; border: 1.5px solid var(--di-red); border-radius: 10px; padding: 10px 14px; margin-bottom: 12px; font-size: 0.82rem; color: var(--di-red); display: none; gap: 8px; align-items: center; }
.di-err.show { display: flex; }
.di-disc { font-size: 0.68rem; color: var(--di-gray); line-height: 1.55; text-align: center; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--di-border); }

/* ---- EMPTY STATE ---- */
.di-empty { text-align: center; padding: 48px 20px; color: var(--di-gray); }
.di-empty-icon { font-size: 3rem; display: block; margin-bottom: 14px; opacity: 0.35; }
.di-empty p { font-size: 0.85rem; line-height: 1.65; }
.di-results { display: none; }
.di-results.show { display: block; }

/* ---- CURE AMOUNT HERO ---- */
.di-cure-hero {
  background: linear-gradient(135deg, #4a0010 0%, #7b0020 40%, #BF0A30 100%);
  border-radius: 16px; padding: 22px 20px 16px;
  text-align: center; margin-bottom: 18px; position: relative; overflow: hidden;
}
.di-cure-hero::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px); background-size: 40px 40px; pointer-events: none; }
.di-cure-eyebrow { font-size: 0.67rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.6); margin-bottom: 6px; position: relative; z-index: 1; }
.di-cure-value { font-family: 'Montserrat','Inter',sans-serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 900; color: #fff; line-height: 1; margin-bottom: 6px; position: relative; z-index: 1; }
.di-cure-sub { font-size: 0.78rem; color: rgba(255,255,255,0.7); position: relative; z-index: 1; }
.di-cure-pills { display: flex; gap: 8px; justify-content: center; margin-top: 12px; flex-wrap: wrap; position: relative; z-index: 1; }
.di-cure-pill { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.2); color: rgba(255,255,255,0.9); font-size: 0.7rem; font-weight: 600; padding: 4px 12px; border-radius: 20px; }

/* ---- USURY BADGE ---- */
.di-usury-badge {
  border-radius: 12px; padding: 12px 14px; margin-bottom: 18px;
  display: flex; align-items: center; gap: 12px;
}
.di-usury-badge.compliant { background: #F0FBF6; border: 1.5px solid rgba(0,135,90,0.3); }
.di-usury-badge.borderline { background: #FFFBEB; border: 1.5px solid rgba(217,119,6,0.35); }
.di-usury-badge.exceeds { background: #FFF5F7; border: 1.5px solid rgba(191,10,48,0.35); }
.di-ub-icon { font-size: 1.8rem; flex-shrink: 0; }
.di-ub-text { flex: 1; font-size: 0.8rem; line-height: 1.5; }
.di-ub-text strong { font-weight: 700; display: block; margin-bottom: 2px; }

/* ---- STATS GRID ---- */
.di-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
.di-stat { background: var(--di-white); border: 1px solid var(--di-border); border-radius: 10px; padding: 12px 14px; text-align: center; }
.di-stat.red    { border-color: rgba(191,10,48,0.25); background: #FFF5F7; }
.di-stat.green  { border-color: rgba(0,135,90,0.25);  background: #F0FBF6; }
.di-stat.amber  { border-color: rgba(217,119,6,0.25); background: #FFFBEB; }
.di-stat.blue   { border-color: rgba(2,132,199,0.25); background: #F0F9FF; }
.di-stat.purple { border-color: rgba(124,58,237,0.25);background: #F5F3FF; }
.di-stat-label  { font-size: 0.63rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--di-gray); margin-bottom: 4px; }
.di-stat-value  { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.05rem; font-weight: 800; color: var(--di-charcoal); }
.di-stat.red    .di-stat-value { color: var(--di-red);    }
.di-stat.green  .di-stat-value { color: var(--di-green);  }
.di-stat.amber  .di-stat-value { color: var(--di-amber);  }
.di-stat.blue   .di-stat-value { color: #0284c7;          }
.di-stat.purple .di-stat-value { color: var(--di-purple); }

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

/* ---- COMPOUNDING COMPARISON ---- */
.di-comp-panel { background: var(--di-white); border: 1px solid var(--di-border); border-radius: 12px; padding: 14px 16px; margin-bottom: 18px; }
.di-comp-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--di-teal); margin-bottom: 12px; }
.di-comp-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
.di-comp-block { background: var(--di-bg); border-radius: 9px; padding: 10px 8px; text-align: center; }
.di-comp-block.highlighted { background: #F0F9FF; border: 1px solid rgba(8,145,178,0.25); }
.di-comp-block-label { font-size: 0.64rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--di-gray); margin-bottom: 4px; }
.di-comp-block-val { font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 900; color: var(--di-charcoal); }
.di-comp-block-diff { font-size: 0.68rem; color: var(--di-gray); margin-top: 2px; }

/* ---- ENFORCEABILITY ---- */
.di-enforce-panel { background: var(--di-white); border: 1px solid rgba(234,88,12,0.2); border-radius: 12px; padding: 14px 16px; margin-bottom: 18px; }
.di-enforce-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--di-orange); margin-bottom: 10px; }
.di-enforce-row { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px solid var(--di-bg); font-size: 0.8rem; }
.di-enforce-row:last-child { border-bottom: none; }
.di-justify-bar-wrap { background: var(--di-bg); border-radius: 6px; height: 14px; overflow: hidden; margin-top: 10px; }
.di-justify-bar { height: 100%; border-radius: 6px; transition: width 0.6s; }

/* ---- ACCRUAL TABLE ---- */
.di-accrual-wrap { background: var(--di-white); border: 1px solid var(--di-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.di-accrual-head { background: var(--di-bg); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--di-blue); border-bottom: 1px solid var(--di-border); display: flex; justify-content: space-between; align-items: center; }
.di-accrual-toggle { font-size: 0.7rem; font-weight: 600; color: var(--di-blue); cursor: pointer; text-decoration: underline; }
.di-accrual-tbl { width: 100%; border-collapse: collapse; font-size: 0.76rem; }
.di-accrual-tbl thead tr { background: var(--di-red); }
.di-accrual-tbl thead th { padding: 7px 9px; color: #fff; font-size: 0.66rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; text-align: right; }
.di-accrual-tbl thead th:first-child { text-align: left; }
.di-accrual-tbl tbody tr:nth-child(even) { background: var(--di-bg); }
.di-accrual-tbl tbody td { padding: 7px 9px; text-align: right; color: var(--di-charcoal); }
.di-accrual-tbl tbody td:first-child { text-align: left; font-weight: 600; }
.di-accrual-tbl tbody td.excess { color: var(--di-red); font-weight: 600; }
.di-accrual-tbl tfoot td { padding: 8px 9px; background: var(--di-red); color: #fff; text-align: right; font-weight: 800; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.8rem; border-top: none; }
.di-accrual-tbl tfoot td:first-child { text-align: left; }

/* ---- IRS RESULTS ---- */
.di-irs-results { background: var(--di-white); border: 1px solid var(--di-border); border-radius: 12px; overflow: hidden; margin-bottom: 18px; }
.di-irs-head { background: var(--di-purple); padding: 10px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: #fff; }
.di-irs-result-tbl { width: 100%; border-collapse: collapse; font-size: 0.78rem; }
.di-irs-result-tbl thead tr { background: var(--di-bg); }
.di-irs-result-tbl thead th { padding: 8px 10px; font-size: 0.67rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--di-gray); text-align: right; }
.di-irs-result-tbl thead th:first-child { text-align: left; }
.di-irs-result-tbl tbody tr:nth-child(even) { background: var(--di-bg); }
.di-irs-result-tbl tbody td { padding: 8px 10px; text-align: right; color: var(--di-charcoal); font-weight: 500; }
.di-irs-result-tbl tbody td:first-child { text-align: left; font-weight: 600; }
.di-irs-result-tbl tfoot td { padding: 9px 10px; text-align: right; background: var(--di-purple); color: #fff; font-weight: 800; font-family: 'Montserrat','Inter',sans-serif; border-top: none; }
.di-irs-result-tbl tfoot td:first-child { text-align: left; }

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

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

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) { .di-grid { grid-template-columns: 1fr; } }
@media (max-width: 768px) { .di-modes { grid-template-columns: repeat(2, 1fr); } .di-r2,.di-r3 { grid-template-columns: 1fr; } .di-action-row { grid-template-columns: 1fr; } .di-header { padding: 28px 18px 22px; } .di-comp-grid { grid-template-columns: 1fr; } }
@media (max-width: 480px) { .di-stats { grid-template-columns: 1fr; } .di-cure-value { font-size: 1.9rem; } }
/* ---- ORIGINAL CALCULATOR CSS VARIABLES ---- */

/* =====================================================
   HOW TO USE SECTION — CSS
   ===================================================== */
.di-htu {
  margin-top: 56px; 
}

@media (max-width: 768px) {
  .di-htu {
    margin-top: 32px; /* Keeps it slightly tighter on phone screens */
  }
}

.di-htu-header { text-align: center; margin-bottom: 32px; }
.di-htu-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-htu-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-htu-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 700px;
  margin: 0 auto; line-height: 1.65;
}

.di-htu-quick {
  display: flex; align-items: center; gap: 12px;
  background: linear-gradient(135deg, rgba(0,40,104,0.04) 0%, rgba(191,10,48,0.03) 100%);
  border: 1.5px solid var(--di-border); border-radius: 14px;
  padding: 16px 22px; margin-bottom: 28px;
}
.di-htu-quick-icon { font-size: 1.7rem; flex-shrink: 0; }
.di-htu-quick-text { flex: 1; font-size: 0.84rem; line-height: 1.6; color: var(--di-charcoal); }
.di-htu-quick-text strong { color: var(--di-blue); font-weight: 700; }

.di-htu-steps {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 28px;
}
.di-htu-step {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; padding: 22px 20px; position: relative;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.di-htu-step:hover {
  border-color: rgba(0,40,104,0.25);
  box-shadow: 0 4px 16px rgba(0,40,104,0.06);
}
.di-htu-step-num {
  position: absolute; top: -1px; left: 20px;
  background: var(--di-blue); color: #fff;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 800;
  width: 28px; height: 28px; border-radius: 0 0 8px 8px;
  display: flex; align-items: center; justify-content: center;
  letter-spacing: 0.02em;
}
.di-htu-step-num.red    { background: var(--di-red);    }
.di-htu-step-num.green  { background: var(--di-green);  }
.di-htu-step-num.purple { background: var(--di-purple); }

.di-htu-step-icon { font-size: 1.9rem; display: block; margin: 8px 0 12px; }
.di-htu-step-title {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.82rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 8px; line-height: 1.3;
}
.di-htu-step-desc { font-size: 0.8rem; color: var(--di-gray); line-height: 1.6; }
.di-htu-step-desc strong { color: var(--di-charcoal); font-weight: 600; }

.di-htu-mode-tag {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 0.65rem; font-weight: 700; letter-spacing: 0.03em;
  padding: 3px 9px; border-radius: 14px; margin-top: 10px;
}
.di-htu-mode-tag.blue   { background: rgba(0,40,104,0.08);  color: var(--di-blue);   }
.di-htu-mode-tag.orange { background: rgba(234,88,12,0.08);  color: var(--di-orange); }
.di-htu-mode-tag.green  { background: rgba(0,135,90,0.08);   color: var(--di-green);  }
.di-htu-mode-tag.purple { background: rgba(124,58,237,0.08); color: var(--di-purple); }

.di-htu-modes-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 28px;
}
.di-htu-mode-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 12px; padding: 18px 14px; text-align: center;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.di-htu-mode-card:hover { box-shadow: 0 4px 14px rgba(0,0,0,0.05); }
.di-htu-mode-card.c-blue   { border-top: 3px solid var(--di-blue);   }
.di-htu-mode-card.c-orange { border-top: 3px solid var(--di-orange); }
.di-htu-mode-card.c-green  { border-top: 3px solid var(--di-green);  }
.di-htu-mode-card.c-purple { border-top: 3px solid var(--di-purple); }

.di-htu-mode-card-icon { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.di-htu-mode-card-name {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 6px; letter-spacing: 0.02em;
}
.di-htu-mode-card-who { font-size: 0.73rem; color: var(--di-gray); line-height: 1.5; }
.di-htu-mode-card-who strong { color: var(--di-charcoal); font-weight: 600; }

.di-htu-tip {
  display: flex; gap: 14px; align-items: flex-start;
  background: #FFFBEB; border: 1.5px solid rgba(217,119,6,0.25);
  border-radius: 12px; padding: 16px 18px; margin-bottom: 28px;
}
.di-htu-tip-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 1px; }
.di-htu-tip-body { flex: 1; }
.di-htu-tip-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-amber); margin-bottom: 4px;
}
.di-htu-tip-text { font-size: 0.8rem; color: var(--di-charcoal); line-height: 1.6; }

.di-htu-output {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; overflow: hidden;
}
.di-htu-output-head {
  background: var(--di-bg); padding: 12px 18px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-blue); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 7px;
}
.di-htu-output-list { padding: 6px 0; list-style: none; margin: 0; }
.di-htu-output-item {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 18px; font-size: 0.82rem; color: var(--di-charcoal);
  border-bottom: 1px solid var(--di-bg); line-height: 1.5;
}
.di-htu-output-item:last-child { border-bottom: none; }
.di-htu-output-check {
  width: 22px; height: 22px; border-radius: 6px;
  background: rgba(0,135,90,0.1); color: var(--di-green);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.72rem; font-weight: 700; flex-shrink: 0;
}
.di-htu-output-item strong { font-weight: 600; color: var(--di-charcoal); }
.di-htu-output-item span.muted { color: var(--di-gray); font-size: 0.77rem; }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .di-htu-steps { grid-template-columns: 1fr 1fr; }
  .di-htu-modes-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .di-htu-steps { grid-template-columns: 1fr; }
  .di-htu-modes-grid { grid-template-columns: repeat(2, 1fr); }
  .di-htu-quick { flex-direction: column; text-align: center; padding: 16px 18px; }
  .di-htu { padding: 0 2px; }
}
@media (max-width: 480px) {
  .di-htu-modes-grid { grid-template-columns: 1fr; }
  .di-htu-step { padding: 18px 16px; }
  .di-htu-output-item { gap: 10px; padding: 10px 14px; font-size: 0.78rem; }
}

/* =====================================================
   WHAT IS DEFAULT INTEREST — EDUCATIONAL SECTION CSS
   ===================================================== */
.di-edu {
  max-width: 1200px; margin: 38px auto 0; padding: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}

/* Section Header */
.di-edu-header { text-align: center; margin-bottom: 32px; }
.di-edu-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-edu-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-edu-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 760px;
  margin: 0 auto; line-height: 1.65;
}

/* Definition Hero Card */
.di-edu-def-hero {
  background: linear-gradient(135deg, #002868 0%, #001a4a 60%, #1a0035 100%);
  border-radius: 16px; padding: 28px 24px; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.di-edu-def-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 50%, rgba(191,10,48,0.12) 0%, transparent 50%),
              radial-gradient(ellipse at 85% 50%, rgba(124,58,237,0.1) 0%, transparent 50%);
  pointer-events: none;
}
.di-edu-def-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.di-edu-def-hero-inner { position: relative; z-index: 1; }
.di-edu-def-icon { font-size: 2.2rem; display: block; margin-bottom: 12px; }
.di-edu-def-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.5);
  margin-bottom: 10px;
}
.di-edu-def-text {
  font-size: 1.02rem; font-weight: 500; color: #fff; line-height: 1.65;
  max-width: 850px;
}
.di-edu-def-text strong { color: #fca5a5; font-weight: 700; }
.di-edu-def-pills {
  display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px;
}
.di-edu-def-pill {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.85); font-size: 0.7rem; font-weight: 600;
  padding: 4px 12px; border-radius: 20px;
}

/* Two-Column Content Grid */
.di-edu-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 24px;
}

/* Generic Content Card */
.di-edu-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; padding: 22px 20px; transition: border-color 0.2s, box-shadow 0.2s;
}
.di-edu-card:hover {
  border-color: rgba(0,40,104,0.2);
  box-shadow: 0 4px 16px rgba(0,40,104,0.05);
}
.di-edu-card-icon { font-size: 1.7rem; display: block; margin-bottom: 10px; }
.di-edu-card-title {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 8px; line-height: 1.3;
}
.di-edu-card-body {
  font-size: 0.8rem; color: var(--di-gray); line-height: 1.65;
}
.di-edu-card-body strong { color: var(--di-charcoal); font-weight: 600; }

/* Full-Width Comparison Box */
.di-edu-compare {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; overflow: hidden; margin-bottom: 24px;
}
.di-edu-compare-head {
  background: var(--di-bg); padding: 12px 18px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-blue); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 7px;
}
.di-edu-compare-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
}
.di-edu-compare-col {
  padding: 18px 20px;
}
.di-edu-compare-col:first-child {
  border-right: 1px solid var(--di-border);
}
.di-edu-compare-col-tag {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.64rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 3px 10px; border-radius: 14px; margin-bottom: 10px;
}
.di-edu-compare-col-tag.red { background: rgba(191,10,48,0.08); color: var(--di-red); }
.di-edu-compare-col-tag.amber { background: rgba(217,119,6,0.08); color: var(--di-amber); }
.di-edu-compare-col-title {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.82rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 8px;
}
.di-edu-compare-col-body {
  font-size: 0.8rem; color: var(--di-gray); line-height: 1.65;
}
.di-edu-compare-col-body strong { color: var(--di-charcoal); font-weight: 600; }

/* Example Scenario Box (like cure-hero) */
.di-edu-example {
  background: linear-gradient(135deg, rgba(0,40,104,0.04) 0%, rgba(191,10,48,0.03) 100%);
  border: 1.5px solid var(--di-border); border-radius: 14px;
  padding: 20px; margin-bottom: 24px;
}
.di-edu-example-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  margin-bottom: 12px; display: flex; align-items: center; gap: 6px;
}
.di-edu-example-grid {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; margin-bottom: 14px;
}
.di-edu-example-stat {
  background: var(--di-white); border: 1px solid var(--di-border);
  border-radius: 10px; padding: 12px 10px; text-align: center;
}
.di-edu-example-stat-lbl {
  font-size: 0.62rem; font-weight: 600; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--di-gray); margin-bottom: 3px;
}
.di-edu-example-stat-val {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.95rem;
  font-weight: 800; color: var(--di-charcoal);
}
.di-edu-example-stat-val.red { color: var(--di-red); }
.di-edu-example-stat-val.blue { color: var(--di-blue); }
.di-edu-example-stat-val.green { color: var(--di-green); }

/* Visual Breakdown Bar */
.di-edu-bar-wrap { margin-top: 6px; }
.di-edu-bar-label {
  display: flex; justify-content: space-between; font-size: 0.72rem;
  color: var(--di-gray); margin-bottom: 5px;
}
.di-edu-bar-label strong { color: var(--di-charcoal); font-weight: 600; }
.di-edu-bar-track {
  background: var(--di-bg); border-radius: 6px; height: 14px;
  overflow: hidden; border: 1px solid var(--di-border);
}
.di-edu-bar-fill {
  height: 100%; border-radius: 6px; transition: width 0.8s cubic-bezier(0.22, 1, 0.36, 1);
}
.di-edu-bar-fill.blue { background: linear-gradient(90deg, var(--di-blue) 0%, #1a4fa0 100%); }
.di-edu-bar-fill.red  { background: linear-gradient(90deg, #BF0A30 0%, #e74c6f 100%); }

/* Trigger Events List */
.di-edu-triggers {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; overflow: hidden; margin-bottom: 24px;
}
.di-edu-triggers-head {
  background: var(--di-bg); padding: 12px 18px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-red); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 7px;
}
.di-edu-triggers-list { padding: 4px 0; list-style: none; margin: 0; }
.di-edu-trigger-item {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 11px 18px; border-bottom: 1px solid var(--di-bg);
  font-size: 0.82rem; line-height: 1.55;
}
.di-edu-trigger-item:last-child { border-bottom: none; }
.di-edu-trigger-num {
  width: 24px; height: 24px; border-radius: 6px; flex-shrink: 0;
  background: rgba(191,10,48,0.08); color: var(--di-red);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.di-edu-trigger-text { color: var(--di-charcoal); }
.di-edu-trigger-text strong { font-weight: 600; }
.di-edu-trigger-text .hint { display: block; font-size: 0.75rem; color: var(--di-gray); margin-top: 2px; }

/* Who Needs This (mode-colored cards in a row) */
.di-edu-who-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 24px;
}
.di-edu-who-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 12px; padding: 16px 14px; text-align: center;
  transition: box-shadow 0.2s;
}
.di-edu-who-card:hover { box-shadow: 0 4px 14px rgba(0,0,0,0.05); }
.di-edu-who-icon { font-size: 1.7rem; display: block; margin-bottom: 8px; }
.di-edu-who-role {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 4px;
}
.di-edu-who-desc { font-size: 0.73rem; color: var(--di-gray); line-height: 1.5; }

/* Key Takeaway Callout (bottom) */
.di-edu-takeaway {
  display: flex; gap: 14px; align-items: flex-start;
  background: #EFF6FF; border: 1.5px solid rgba(2,132,199,0.3);
  border-radius: 12px; padding: 16px 18px;
}
.di-edu-takeaway-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 1px; }
.di-edu-takeaway-body { flex: 1; }
.di-edu-takeaway-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: #0284c7; margin-bottom: 4px;
}
.di-edu-takeaway-text { font-size: 0.8rem; color: var(--di-charcoal); line-height: 1.65; }
.di-edu-takeaway-text strong { font-weight: 700; color: var(--di-blue); }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .di-edu-grid { grid-template-columns: 1fr 1fr; }
  .di-edu-who-grid { grid-template-columns: repeat(2, 1fr); }
  .di-edu-example-grid { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 768px) {
  .di-edu-grid { grid-template-columns: 1fr; }
  .di-edu-compare-grid { grid-template-columns: 1fr; }
  .di-edu-compare-col:first-child { border-right: none; border-bottom: 1px solid var(--di-border); }
  .di-edu-example-grid { grid-template-columns: 1fr; }
  .di-edu-who-grid { grid-template-columns: repeat(2, 1fr); }
  .di-edu { padding: 0 2px; }
  .di-edu-def-hero { padding: 22px 18px; }
}
@media (max-width: 480px) {
  .di-edu-who-grid { grid-template-columns: 1fr; }
  .di-edu-example-stat { padding: 10px 8px; }
  .di-edu-trigger-item { gap: 10px; padding: 10px 14px; font-size: 0.78rem; }
}


/* =====================================================
   WHAT IS DEFAULT INTEREST — EDUCATIONAL SECTION CSS
   ===================================================== */
.di-edu {
  max-width: 1200px; margin: 38px auto 0; padding: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}

/* Section Header */
.di-edu-header { text-align: center; margin-bottom: 32px; }
.di-edu-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-edu-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-edu-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 760px;
  margin: 0 auto; line-height: 1.65;
}

/* Definition Hero Card */
.di-edu-def-hero {
  background: linear-gradient(135deg, #002868 0%, #001a4a 60%, #1a0035 100%);
  border-radius: 16px; padding: 28px 24px; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.di-edu-def-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 50%, rgba(191,10,48,0.12) 0%, transparent 50%),
              radial-gradient(ellipse at 85% 50%, rgba(124,58,237,0.1) 0%, transparent 50%);
  pointer-events: none;
}
.di-edu-def-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.di-edu-def-hero-inner { position: relative; z-index: 1; }
.di-edu-def-icon { font-size: 2.2rem; display: block; margin-bottom: 12px; }
.di-edu-def-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.65rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.5);
  margin-bottom: 10px;
}
.di-edu-def-text {
  font-size: 1.02rem; font-weight: 500; color: #fff; line-height: 1.65;
  max-width: 850px;
}
.di-edu-def-text strong { color: #fca5a5; font-weight: 700; }
.di-edu-def-pills {
  display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px;
}
.di-edu-def-pill {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.85); font-size: 0.7rem; font-weight: 600;
  padding: 4px 12px; border-radius: 20px;
}

/* Two-Column Content Grid */
.di-edu-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 24px;
}

/* Generic Content Card */
.di-edu-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; padding: 22px 20px; transition: border-color 0.2s, box-shadow 0.2s;
}
.di-edu-card:hover {
  border-color: rgba(0,40,104,0.2);
  box-shadow: 0 4px 16px rgba(0,40,104,0.05);
}
.di-edu-card-icon { font-size: 1.7rem; display: block; margin-bottom: 10px; }
.di-edu-card-title {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 8px; line-height: 1.3;
}
.di-edu-card-body {
  font-size: 0.8rem; color: var(--di-gray); line-height: 1.65;
}
.di-edu-card-body strong { color: var(--di-charcoal); font-weight: 600; }

/* Full-Width Comparison Box */
.di-edu-compare {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; overflow: hidden; margin-bottom: 24px;
}
.di-edu-compare-head {
  background: var(--di-bg); padding: 12px 18px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-blue); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 7px;
}
.di-edu-compare-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
}
.di-edu-compare-col {
  padding: 18px 20px;
}
.di-edu-compare-col:first-child {
  border-right: 1px solid var(--di-border);
}
.di-edu-compare-col-tag {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.64rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding: 3px 10px; border-radius: 14px; margin-bottom: 10px;
}
.di-edu-compare-col-tag.red { background: rgba(191,10,48,0.08); color: var(--di-red); }
.di-edu-compare-col-tag.amber { background: rgba(217,119,6,0.08); color: var(--di-amber); }
.di-edu-compare-col-title {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.82rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 8px;
}
.di-edu-compare-col-body {
  font-size: 0.8rem; color: var(--di-gray); line-height: 1.65;
}
.di-edu-compare-col-body strong { color: var(--di-charcoal); font-weight: 600; }

/* Example Scenario Box (like cure-hero) */
.di-edu-example {
  background: linear-gradient(135deg, rgba(0,40,104,0.04) 0%, rgba(191,10,48,0.03) 100%);
  border: 1.5px solid var(--di-border); border-radius: 14px;
  padding: 20px; margin-bottom: 24px;
}
.di-edu-example-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  margin-bottom: 12px; display: flex; align-items: center; gap: 6px;
}
.di-edu-example-grid {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; margin-bottom: 14px;
}
.di-edu-example-stat {
  background: var(--di-white); border: 1px solid var(--di-border);
  border-radius: 10px; padding: 12px 10px; text-align: center;
}
.di-edu-example-stat-lbl {
  font-size: 0.62rem; font-weight: 600; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--di-gray); margin-bottom: 3px;
}
.di-edu-example-stat-val {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.95rem;
  font-weight: 800; color: var(--di-charcoal);
}
.di-edu-example-stat-val.red { color: var(--di-red); }
.di-edu-example-stat-val.blue { color: var(--di-blue); }
.di-edu-example-stat-val.green { color: var(--di-green); }

/* Visual Breakdown Bar */
.di-edu-bar-wrap { margin-top: 6px; }
.di-edu-bar-label {
  display: flex; justify-content: space-between; font-size: 0.72rem;
  color: var(--di-gray); margin-bottom: 5px;
}
.di-edu-bar-label strong { color: var(--di-charcoal); font-weight: 600; }
.di-edu-bar-track {
  background: var(--di-bg); border-radius: 6px; height: 14px;
  overflow: hidden; border: 1px solid var(--di-border);
}
.di-edu-bar-fill {
  height: 100%; border-radius: 6px; transition: width 0.8s cubic-bezier(0.22, 1, 0.36, 1);
}
.di-edu-bar-fill.blue { background: linear-gradient(90deg, var(--di-blue) 0%, #1a4fa0 100%); }
.di-edu-bar-fill.red  { background: linear-gradient(90deg, #BF0A30 0%, #e74c6f 100%); }

/* Trigger Events List */
.di-edu-triggers {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 14px; overflow: hidden; margin-bottom: 24px;
}
.di-edu-triggers-head {
  background: var(--di-bg); padding: 12px 18px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-red); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 7px;
}
.di-edu-triggers-list { padding: 4px 0; list-style: none; margin: 0; }
.di-edu-trigger-item {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 11px 18px; border-bottom: 1px solid var(--di-bg);
  font-size: 0.82rem; line-height: 1.55;
}
.di-edu-trigger-item:last-child { border-bottom: none; }
.di-edu-trigger-num {
  width: 24px; height: 24px; border-radius: 6px; flex-shrink: 0;
  background: rgba(191,10,48,0.08); color: var(--di-red);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.di-edu-trigger-text { color: var(--di-charcoal); }
.di-edu-trigger-text strong { font-weight: 600; }
.di-edu-trigger-text .hint { display: block; font-size: 0.75rem; color: var(--di-gray); margin-top: 2px; }

/* Who Needs This (mode-colored cards in a row) */
.di-edu-who-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 24px;
}
.di-edu-who-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 12px; padding: 16px 14px; text-align: center;
  transition: box-shadow 0.2s;
}
.di-edu-who-card:hover { box-shadow: 0 4px 14px rgba(0,0,0,0.05); }
.di-edu-who-icon { font-size: 1.7rem; display: block; margin-bottom: 8px; }
.di-edu-who-role {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem;
  font-weight: 700; color: var(--di-charcoal); margin-bottom: 4px;
}
.di-edu-who-desc { font-size: 0.73rem; color: var(--di-gray); line-height: 1.5; }

/* Key Takeaway Callout (bottom) */
.di-edu-takeaway {
  display: flex; gap: 14px; align-items: flex-start;
  background: #EFF6FF; border: 1.5px solid rgba(2,132,199,0.3);
  border-radius: 12px; padding: 16px 18px;
}
.di-edu-takeaway-icon { font-size: 1.5rem; flex-shrink: 0; margin-top: 1px; }
.di-edu-takeaway-body { flex: 1; }
.di-edu-takeaway-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: #0284c7; margin-bottom: 4px;
}
.di-edu-takeaway-text { font-size: 0.8rem; color: var(--di-charcoal); line-height: 1.65; }
.di-edu-takeaway-text strong { font-weight: 700; color: var(--di-blue); }

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .di-edu-grid { grid-template-columns: 1fr 1fr; }
  .di-edu-who-grid { grid-template-columns: repeat(2, 1fr); }
  .di-edu-example-grid { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 768px) {
  .di-edu-grid { grid-template-columns: 1fr; }
  .di-edu-compare-grid { grid-template-columns: 1fr; }
  .di-edu-compare-col:first-child { border-right: none; border-bottom: 1px solid var(--di-border); }
  .di-edu-example-grid { grid-template-columns: 1fr; }
  .di-edu-who-grid { grid-template-columns: repeat(2, 1fr); }
  .di-edu { padding: 0 2px; }
  .di-edu-def-hero { padding: 22px 18px; }
}
@media (max-width: 480px) {
  .di-edu-who-grid { grid-template-columns: 1fr; }
  .di-edu-example-stat { padding: 10px 8px; }
  .di-edu-trigger-item { gap: 10px; padding: 10px 14px; font-size: 0.78rem; }
}
:root {
  --di-blue:#002868; --di-charcoal:#1D1D1F; --di-gray:#5F6368;
  --di-border:#E0E4E8; --di-bg:#F7F9FC; --di-white:#FFFFFF;
  --di-red:#BF0A30; --di-green:#00875A; --di-amber:#D97706;
  --di-purple:#7C3AED; --di-teal:#0891B2; --di-orange:#EA580C; --di-crimson:#9B1C1C;
}
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
body { background:#F1F3F7; font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif; padding:24px 16px; }

/* =====================================================
   5 REAL US EXAMPLES — CSS
   ===================================================== */
.di-exm {
  max-width: 1200px; margin: 38px auto 0; padding: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}
.di-exm-header { text-align: center; margin-bottom: 32px; }
.di-exm-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-exm-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-exm-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 760px;
  margin: 0 auto; line-height: 1.65;
}

/* Individual Example Card */
.di-exm-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 16px; overflow: hidden; margin-bottom: 20px;
  transition: box-shadow 0.2s;
}
.di-exm-card:hover { box-shadow: 0 6px 20px rgba(0,40,104,0.06); }
.di-exm-card:last-child { margin-bottom: 0; }

/* Card Header Strip */
.di-exm-card-head {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 20px; border-bottom: 1px solid var(--di-border);
  cursor: pointer; user-select: none;
}
.di-exm-card-head:hover { background: rgba(0,40,104,0.015); }
.di-exm-card-num {
  width: 34px; height: 34px; border-radius: 10px; flex-shrink: 0;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center; color: #fff;
}
.di-exm-card-num.c1 { background: var(--di-blue);   }
.di-exm-card-num.c2 { background: var(--di-orange); }
.di-exm-card-num.c3 { background: var(--di-green);  }
.di-exm-card-num.c4 { background: var(--di-purple); }
.di-exm-card-num.c5 { background: var(--di-red);    }

.di-exm-card-meta { flex: 1; min-width: 0; }
.di-exm-card-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.8rem;
  font-weight: 700; color: var(--di-charcoal); line-height: 1.3; margin-bottom: 3px;
}
.di-exm-card-tags { display: flex; flex-wrap: wrap; gap: 5px; }
.di-exm-tag {
  font-size: 0.6rem; font-weight: 700; letter-spacing: 0.04em;
  padding: 2px 8px; border-radius: 12px;
}
.di-exm-tag.blue   { background: rgba(0,40,104,0.08);  color: var(--di-blue);   }
.di-exm-tag.orange { background: rgba(234,88,12,0.08);  color: var(--di-orange); }
.di-exm-tag.green  { background: rgba(0,135,90,0.08);   color: var(--di-green);  }
.di-exm-tag.purple { background: rgba(124,58,237,0.08); color: var(--di-purple); }
.di-exm-tag.red    { background: rgba(191,10,48,0.08);  color: var(--di-red);    }
.di-exm-tag.gray   { background: rgba(95,99,104,0.1);   color: var(--di-gray);   }

.di-exm-card-arrow {
  flex-shrink: 0; font-size: 1rem; color: var(--di-gray);
  transition: transform 0.3s cubic-bezier(0.22,1,0.36,1);
}
.di-exm-card.open .di-exm-card-arrow { transform: rotate(180deg); }

/* Card Body (expandable) */
.di-exm-card-body {
  max-height: 0; overflow: hidden;
  transition: max-height 0.45s cubic-bezier(0.22,1,0.36,1);
}
.di-exm-card.open .di-exm-card-body { max-height: 1400px; }
.di-exm-card-inner { padding: 20px; }

/* Scenario Description */
.di-exm-scenario {
  font-size: 0.82rem; color: var(--di-gray); line-height: 1.65;
  margin-bottom: 16px; padding-bottom: 16px; border-bottom: 1px solid var(--di-border);
}
.di-exm-scenario strong { color: var(--di-charcoal); font-weight: 600; }

/* Stats Row */
.di-exm-stats {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 16px;
}
.di-exm-stat {
  background: var(--di-bg); border: 1px solid var(--di-border);
  border-radius: 10px; padding: 12px 10px; text-align: center;
}
.di-exm-stat-lbl {
  font-size: 0.6rem; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; color: var(--di-gray); margin-bottom: 3px;
}
.di-exm-stat-val {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.92rem; font-weight: 800;
  color: var(--di-charcoal);
}
.di-exm-stat-val.blue   { color: var(--di-blue);   }
.di-exm-stat-val.red    { color: var(--di-red);    }
.di-exm-stat-val.green  { color: var(--di-green);  }
.di-exm-stat-val.purple { color: var(--di-purple); }
.di-exm-stat-val.orange { color: var(--di-orange); }

/* Breakdown Rows */
.di-exm-breakdown { margin-bottom: 16px; }
.di-exm-bk-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 8px 0; border-bottom: 1px solid var(--di-bg);
  font-size: 0.8rem;
}
.di-exm-bk-row:last-child { border-bottom: none; }
.di-exm-bk-label { color: var(--di-gray); }
.di-exm-bk-val { font-weight: 600; color: var(--di-charcoal); font-variant-numeric: tabular-nums; }
.di-exm-bk-total {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0; margin-top: 4px;
  border-top: 2px solid var(--di-border); font-size: 0.84rem;
}
.di-exm-bk-total .di-exm-bk-label { font-weight: 700; color: var(--di-charcoal); }
.di-exm-bk-total .di-exm-bk-val { font-family: 'Montserrat','Inter',sans-serif; font-weight: 800; }

/* Cost Bar */
.di-exm-bar-wrap { margin-bottom: 16px; }
.di-exm-bar-head {
  display: flex; justify-content: space-between; font-size: 0.72rem;
  color: var(--di-gray); margin-bottom: 5px;
}
.di-exm-bar-head strong { color: var(--di-charcoal); font-weight: 600; }
.di-exm-bar-track {
  background: var(--di-bg); border-radius: 6px; height: 12px;
  overflow: hidden; border: 1px solid var(--di-border);
}
.di-exm-bar-fill {
  height: 100%; border-radius: 6px;
}
.di-exm-bar-fill.blue   { background: linear-gradient(90deg, var(--di-blue) 0%, #1a4fa0 100%);   }
.di-exm-bar-fill.red    { background: linear-gradient(90deg, #BF0A30 0%, #e74c6f 100%);          }
.di-exm-bar-fill.green  { background: linear-gradient(90deg, var(--di-green) 0%, #34c48b 100%);   }
.di-exm-bar-fill.orange { background: linear-gradient(90deg, var(--di-orange) 0%, #fb923c 100%);  }
.di-exm-bar-fill.purple { background: linear-gradient(90deg, var(--di-purple) 0%, #a78bfa 100%);  }

/* Lesson Callout */
.di-exm-lesson {
  display: flex; gap: 12px; align-items: flex-start;
  background: #EFF6FF; border: 1.5px solid rgba(2,132,199,0.25);
  border-radius: 10px; padding: 14px 16px;
}
.di-exm-lesson.amber-bg { background: #FFFBEB; border-color: rgba(217,119,6,0.25); }
.di-exm-lesson.red-bg   { background: #FEF2F2; border-color: rgba(191,10,48,0.2);  }
.di-exm-lesson.green-bg { background: #F0FDF4; border-color: rgba(0,135,90,0.25);  }
.di-exm-lesson.purple-bg{ background: #F5F3FF; border-color: rgba(124,58,237,0.2); }
.di-exm-lesson-icon { font-size: 1.2rem; flex-shrink: 0; margin-top: 1px; }
.di-exm-lesson-body { flex: 1; }
.di-exm-lesson-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.63rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 3px;
}
.di-exm-lesson-label.blue   { color: #0284c7; }
.di-exm-lesson-label.amber  { color: var(--di-amber); }
.di-exm-lesson-label.red    { color: var(--di-red); }
.di-exm-lesson-label.green  { color: var(--di-green); }
.di-exm-lesson-label.purple { color: var(--di-purple); }
.di-exm-lesson-text {
  font-size: 0.78rem; color: var(--di-charcoal); line-height: 1.6;
}
.di-exm-lesson-text strong { font-weight: 700; }

/* Usury Badge (matching main calculator) */
.di-exm-usury {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.67rem; font-weight: 700; padding: 4px 11px;
  border-radius: 14px; letter-spacing: 0.03em;
}
.di-exm-usury.compliant { background: rgba(0,135,90,0.1); color: var(--di-green); }
.di-exm-usury.borderline { background: rgba(217,119,6,0.1); color: var(--di-amber); }
.di-exm-usury.exceeds { background: rgba(191,10,48,0.1); color: var(--di-red); }

/* Bottom Summary */
.di-exm-summary {
  background: linear-gradient(135deg, rgba(0,40,104,0.04) 0%, rgba(191,10,48,0.03) 100%);
  border: 1.5px solid var(--di-border); border-radius: 14px;
  padding: 18px 20px; margin-top: 28px;
}
.di-exm-summary-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.67rem;
  font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--di-blue); margin-bottom: 10px; display: flex; align-items: center; gap: 6px;
}
.di-exm-summary-grid {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 10px;
}
.di-exm-summary-item {
  background: var(--di-white); border: 1px solid var(--di-border);
  border-radius: 10px; padding: 12px 8px; text-align: center;
}
.di-exm-summary-item-lbl {
  font-size: 0.58rem; font-weight: 600; letter-spacing: 0.05em;
  text-transform: uppercase; color: var(--di-gray); margin-bottom: 3px;
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.di-exm-summary-item-val {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.82rem;
  font-weight: 800; color: var(--di-red);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 900px) {
  .di-exm-stats { grid-template-columns: repeat(3, 1fr); }
  .di-exm-summary-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .di-exm { padding: 0 2px; }
  .di-exm-stats { grid-template-columns: repeat(2, 1fr); }
  .di-exm-summary-grid { grid-template-columns: repeat(2, 1fr); }
  .di-exm-card-inner { padding: 16px; }
  .di-exm-card-head { padding: 14px 16px; gap: 10px; }
}
@media (max-width: 480px) {
  .di-exm-stats { grid-template-columns: 1fr; }
  .di-exm-summary-grid { grid-template-columns: 1fr 1fr; }
  .di-exm-card-label { font-size: 0.75rem; }
  .di-exm-bk-row { font-size: 0.76rem; }
  .di-exm-lesson { gap: 10px; padding: 12px 14px; }
}
:root {
  --di-blue:#002868; --di-charcoal:#1D1D1F; --di-gray:#5F6368;
  --di-border:#E0E4E8; --di-bg:#F7F9FC; --di-white:#FFFFFF;
  --di-red:#BF0A30; --di-green:#00875A; --di-amber:#D97706;
  --di-purple:#7C3AED; --di-teal:#0891B2; --di-orange:#EA580C; --di-crimson:#9B1C1C;
}
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
body { background:#F1F3F7; font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif; padding:24px 16px; }

/* =====================================================
   5 PRO TIPS — DEFAULT INTEREST RATE CSS
   ===================================================== */
.di-tips {
  max-width: 1200px; margin: 38px auto 0; padding: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}
.di-tips-header { text-align: center; margin-bottom: 32px; }
.di-tips-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-tips-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-tips-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 760px;
  margin: 0 auto; line-height: 1.65;
}

/* Tip Card */
.di-tip-card {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 16px; overflow: hidden; margin-bottom: 18px;
  transition: box-shadow 0.2s;
}
.di-tip-card:hover { box-shadow: 0 6px 20px rgba(0,40,104,0.06); }
.di-tip-card:last-of-type { margin-bottom: 0; }

/* Tip Header */
.di-tip-head {
  display: flex; align-items: center; gap: 14px;
  padding: 18px 22px; cursor: pointer; user-select: none;
  transition: background 0.15s;
}
.di-tip-head:hover { background: rgba(0,40,104,0.015); }

.di-tip-badge {
  width: 42px; height: 42px; border-radius: 12px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.di-tip-badge-icon { font-size: 1.5rem; position: relative; z-index: 1; }
.di-tip-badge.b-blue   { background: linear-gradient(135deg, rgba(0,40,104,0.1) 0%, rgba(0,40,104,0.05) 100%); }
.di-tip-badge.b-red    { background: linear-gradient(135deg, rgba(191,10,48,0.1) 0%, rgba(191,10,48,0.05) 100%); }
.di-tip-badge.b-green  { background: linear-gradient(135deg, rgba(0,135,90,0.1) 0%, rgba(0,135,90,0.05) 100%); }
.di-tip-badge.b-purple { background: linear-gradient(135deg, rgba(124,58,237,0.1) 0%, rgba(124,58,237,0.05) 100%); }
.di-tip-badge.b-orange { background: linear-gradient(135deg, rgba(234,88,12,0.1) 0%, rgba(234,88,12,0.05) 100%); }

.di-tip-meta { flex: 1; min-width: 0; }
.di-tip-num {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.58rem;
  font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  margin-bottom: 3px;
}
.di-tip-num.blue   { color: var(--di-blue);   }
.di-tip-num.red    { color: var(--di-red);    }
.di-tip-num.green  { color: var(--di-green);  }
.di-tip-num.purple { color: var(--di-purple); }
.di-tip-num.orange { color: var(--di-orange); }

.di-tip-name {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.88rem;
  font-weight: 700; color: var(--di-charcoal); line-height: 1.3;
}

.di-tip-tags { display: flex; flex-wrap: wrap; gap: 5px; margin-top: 5px; }
.di-tip-tag {
  font-size: 0.58rem; font-weight: 700; letter-spacing: 0.04em;
  padding: 2px 8px; border-radius: 12px;
}
.di-tip-tag.for-borrower { background: rgba(0,40,104,0.08);  color: var(--di-blue);   }
.di-tip-tag.for-lender   { background: rgba(234,88,12,0.08);  color: var(--di-orange); }
.di-tip-tag.for-business { background: rgba(0,135,90,0.08);   color: var(--di-green);  }
.di-tip-tag.for-taxpayer { background: rgba(124,58,237,0.08); color: var(--di-purple); }
.di-tip-tag.for-all      { background: rgba(95,99,104,0.08);  color: var(--di-gray);   }
.di-tip-tag.save-money   { background: rgba(0,135,90,0.08);   color: var(--di-green);  }

.di-tip-arrow {
  flex-shrink: 0; font-size: 1rem; color: var(--di-gray);
  transition: transform 0.35s cubic-bezier(0.22,1,0.36,1);
}
.di-tip-card.open .di-tip-arrow { transform: rotate(180deg); }

/* Tip Body (expandable) */
.di-tip-body {
  max-height: 0; overflow: hidden;
  transition: max-height 0.5s cubic-bezier(0.22,1,0.36,1);
}
.di-tip-card.open .di-tip-body { max-height: 1200px; }
.di-tip-inner {
  padding: 0 22px 22px; border-top: 1px solid var(--di-border);
}

/* Tip Description */
.di-tip-desc {
  font-size: 0.82rem; color: var(--di-gray); line-height: 1.7;
  padding-top: 18px; margin-bottom: 16px;
}
.di-tip-desc strong { color: var(--di-charcoal); font-weight: 600; }

/* Do / Don't Split */
.di-tip-split {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 16px;
}
.di-tip-do, .di-tip-dont {
  border-radius: 12px; padding: 14px 16px;
}
.di-tip-do {
  background: #F0FDF4; border: 1.5px solid rgba(0,135,90,0.2);
}
.di-tip-dont {
  background: #FEF2F2; border: 1.5px solid rgba(191,10,48,0.15);
}
.di-tip-do-label, .di-tip-dont-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.62rem;
  font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 8px; display: flex; align-items: center; gap: 5px;
}
.di-tip-do-label { color: var(--di-green); }
.di-tip-dont-label { color: var(--di-red); }
.di-tip-do-list, .di-tip-dont-list {
  list-style: none; margin: 0; padding: 0;
}
.di-tip-do-list li, .di-tip-dont-list li {
  font-size: 0.78rem; color: var(--di-charcoal); line-height: 1.55;
  padding: 4px 0; padding-left: 18px; position: relative;
}
.di-tip-do-list li::before {
  content: '✓'; position: absolute; left: 0; top: 4px;
  color: var(--di-green); font-weight: 700; font-size: 0.72rem;
}
.di-tip-dont-list li::before {
  content: '✗'; position: absolute; left: 0; top: 4px;
  color: var(--di-red); font-weight: 700; font-size: 0.72rem;
}

/* Savings Box */
.di-tip-savings {
  background: linear-gradient(135deg, rgba(0,135,90,0.05) 0%, rgba(0,40,104,0.03) 100%);
  border: 1.5px solid rgba(0,135,90,0.2); border-radius: 12px;
  padding: 14px 16px; display: flex; align-items: center; gap: 14px;
  margin-bottom: 16px;
}
.di-tip-savings-icon { font-size: 1.6rem; flex-shrink: 0; }
.di-tip-savings-body { flex: 1; }
.di-tip-savings-label {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.62rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-green); margin-bottom: 3px;
}
.di-tip-savings-val {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 1.1rem;
  font-weight: 800; color: var(--di-green);
}
.di-tip-savings-note {
  font-size: 0.75rem; color: var(--di-gray); margin-top: 2px;
}

/* Expert Quote */
.di-tip-quote {
  background: var(--di-bg); border: 1.5px solid var(--di-border);
  border-radius: 12px; padding: 14px 16px; position: relative;
}
.di-tip-quote::before {
  content: '"'; font-family: Georgia, serif; font-size: 3rem;
  color: rgba(0,40,104,0.12); position: absolute; top: -4px; left: 12px; line-height: 1;
}
.di-tip-quote-text {
  font-size: 0.8rem; color: var(--di-charcoal); line-height: 1.65;
  font-style: italic; padding-left: 22px;
}
.di-tip-quote-attr {
  font-size: 0.7rem; color: var(--di-gray); font-style: normal;
  margin-top: 6px; padding-left: 22px;
}
.di-tip-quote-attr strong { color: var(--di-charcoal); font-weight: 600; font-style: normal; }

/* Action Steps List */
.di-tip-actions {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 12px; overflow: hidden; margin-bottom: 16px;
}
.di-tip-actions-head {
  background: var(--di-bg); padding: 10px 16px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.65rem;
  font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--di-blue); border-bottom: 1px solid var(--di-border);
  display: flex; align-items: center; gap: 6px;
}
.di-tip-actions-list { list-style: none; margin: 0; padding: 4px 0; }
.di-tip-actions-item {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 9px 16px; border-bottom: 1px solid var(--di-bg);
  font-size: 0.8rem; color: var(--di-charcoal); line-height: 1.55;
}
.di-tip-actions-item:last-child { border-bottom: none; }
.di-tip-actions-num {
  width: 22px; height: 22px; border-radius: 6px; flex-shrink: 0;
  background: rgba(0,40,104,0.08); color: var(--di-blue);
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.65rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.di-tip-actions-item strong { font-weight: 600; }

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .di-tips { padding: 0 2px; }
  .di-tip-head { padding: 14px 16px; gap: 12px; }
  .di-tip-inner { padding: 0 16px 18px; }
  .di-tip-split { grid-template-columns: 1fr; }
  .di-tip-name { font-size: 0.82rem; }
  .di-tip-savings { flex-direction: column; text-align: center; gap: 8px; }
}
@media (max-width: 480px) {
  .di-tip-badge { width: 36px; height: 36px; border-radius: 10px; }
  .di-tip-badge-icon { font-size: 1.3rem; }
  .di-tip-desc { font-size: 0.78rem; }
  .di-tip-do-list li, .di-tip-dont-list li { font-size: 0.75rem; }
  .di-tip-actions-item { font-size: 0.77rem; gap: 8px; padding: 9px 12px; }
  .di-tip-tags { gap: 4px; }
}
:root {
  --di-blue:#002868; --di-charcoal:#1D1D1F; --di-gray:#5F6368;
  --di-border:#E0E4E8; --di-bg:#F7F9FC; --di-white:#FFFFFF;
  --di-red:#BF0A30; --di-green:#00875A; --di-amber:#D97706;
  --di-purple:#7C3AED; --di-teal:#0891B2; --di-orange:#EA580C; --di-crimson:#9B1C1C;
}
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
body { background:#F1F3F7; font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif; padding:24px 16px; }

/* =====================================================
   FAQ SECTION — DEFAULT INTEREST RATE CSS
   ===================================================== */
.di-faq {
  max-width: 1200px; margin: 38px auto 0; padding: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--di-charcoal); -webkit-font-smoothing: antialiased;
}
.di-faq-header { text-align: center; margin-bottom: 32px; }
.di-faq-eyebrow {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--di-blue);
  background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.12);
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.di-faq-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.25rem, 2.8vw, 1.75rem) !important; font-weight: 800 !important;
  color: var(--di-charcoal) !important; margin: 0 0 10px !important; line-height: 1.25 !important;
}
.di-faq-subtitle {
  font-size: 0.88rem; color: var(--di-gray); max-width: 760px;
  margin: 0 auto; line-height: 1.65;
}

/* Category Tabs */
.di-faq-cats {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 8px;
  margin-bottom: 24px;
}
.di-faq-cat-btn {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.68rem;
  font-weight: 700; letter-spacing: 0.04em;
  padding: 6px 14px; border-radius: 20px; cursor: pointer;
  border: 1.5px solid var(--di-border); background: var(--di-white);
  color: var(--di-gray); transition: all 0.2s;
}
.di-faq-cat-btn:hover { border-color: rgba(0,40,104,0.3); color: var(--di-blue); }
.di-faq-cat-btn.active {
  background: var(--di-blue); color: #fff; border-color: var(--di-blue);
}

/* FAQ Category Group */
.di-faq-group { margin-bottom: 24px; }
.di-faq-group-head {
  display: flex; align-items: center; gap: 8px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem;
  font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  padding-bottom: 10px; margin-bottom: 6px; border-bottom: 2px solid var(--di-border);
}
.di-faq-group-head.blue   { color: var(--di-blue);   border-color: var(--di-blue);   }
.di-faq-group-head.red    { color: var(--di-red);     border-color: var(--di-red);    }
.di-faq-group-head.green  { color: var(--di-green);   border-color: var(--di-green);  }
.di-faq-group-head.orange { color: var(--di-orange);  border-color: var(--di-orange); }
.di-faq-group-head.purple { color: var(--di-purple);  border-color: var(--di-purple); }
.di-faq-group-head.teal   { color: var(--di-teal);    border-color: var(--di-teal);   }

/* Individual FAQ Item */
.di-faq-item {
  background: var(--di-white); border: 1.5px solid var(--di-border);
  border-radius: 12px; margin-bottom: 8px; overflow: hidden;
  transition: box-shadow 0.2s;
}
.di-faq-item:hover { box-shadow: 0 2px 10px rgba(0,40,104,0.04); }
.di-faq-q {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 18px; cursor: pointer; user-select: none;
  transition: background 0.15s;
}
.di-faq-q:hover { background: rgba(0,40,104,0.01); }
.di-faq-q-icon {
  width: 26px; height: 26px; border-radius: 7px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.82rem; font-weight: 700; transition: transform 0.3s, background 0.3s, color 0.3s;
  background: rgba(0,40,104,0.07); color: var(--di-blue);
}
.di-faq-item.open .di-faq-q-icon {
  background: var(--di-blue); color: #fff; transform: rotate(45deg);
}
.di-faq-q-text {
  flex: 1; font-size: 0.84rem; font-weight: 600; color: var(--di-charcoal); line-height: 1.4;
}
.di-faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.45s cubic-bezier(0.22,1,0.36,1);
}
.di-faq-item.open .di-faq-a { max-height: 600px; }
.di-faq-a-inner {
  padding: 0 18px 16px 56px;
  font-size: 0.8rem; color: var(--di-gray); line-height: 1.7;
}
.di-faq-a-inner strong { color: var(--di-charcoal); font-weight: 600; }
.di-faq-a-inner a { color: var(--di-blue); text-decoration: underline; }

/* FAQ Counter */
.di-faq-counter {
  text-align: center; margin-top: 20px;
  font-size: 0.74rem; color: var(--di-gray);
}
.di-faq-counter strong { color: var(--di-blue); font-weight: 700; }

/* Expand/Collapse All */
.di-faq-toggle-all {
  display: inline-flex; align-items: center; gap: 5px;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.65rem;
  font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--di-blue); background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.12); border-radius: 20px;
  padding: 5px 14px; cursor: pointer; transition: all 0.2s;
  margin-bottom: 20px;
}
.di-faq-toggle-all:hover { background: rgba(0,40,104,0.1); }

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .di-faq { padding: 0 2px; }
  .di-faq-q { padding: 12px 14px; gap: 10px; }
  .di-faq-a-inner { padding: 0 14px 14px 46px; font-size: 0.78rem; }
  .di-faq-q-text { font-size: 0.8rem; }
  .di-faq-cats { gap: 6px; }
  .di-faq-cat-btn { font-size: 0.62rem; padding: 5px 10px; }
}
@media (max-width: 480px) {
  .di-faq-q-icon { width: 24px; height: 24px; font-size: 0.75rem; }
  .di-faq-a-inner { padding-left: 38px; }
  .di-faq-q-text { font-size: 0.77rem; }
  .di-faq-group-head { font-size: 0.66rem; }
}
:root {
  --di-blue:#002868; --di-charcoal:#1D1D1F; --di-gray:#5F6368;
  --di-border:#E0E4E8; --di-bg:#F7F9FC; --di-white:#FFFFFF;
  --di-red:#BF0A30; --di-green:#00875A; --di-amber:#D97706;
  --di-purple:#7C3AED; --di-teal:#0891B2; --di-orange:#EA580C; --di-crimson:#9B1C1C;
}
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
body { background:#F1F3F7; font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif; padding:24px 16px; }
a { text-decoration:none; color:inherit; }

/* =====================================================
   RELATED CALCULATORS SECTION CSS
   ===================================================== */
.di-related{max-width:1200px;margin:38px auto 0;padding:0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--di-charcoal);-webkit-font-smoothing:antialiased}
.di-related-header{text-align:center;margin-bottom:28px}
.di-related-eyebrow{display:inline-flex;align-items:center;gap:6px;font-family:'Montserrat','Inter',sans-serif;font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--di-blue);background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);padding:5px 14px;border-radius:20px;margin-bottom:14px}
.di-related-title{font-family:'Montserrat','Inter',sans-serif!important;font-size:clamp(1.25rem,2.8vw,1.75rem)!important;font-weight:800!important;color:var(--di-charcoal)!important;margin:0 0 10px!important;line-height:1.25!important}
.di-related-subtitle{font-size:.88rem;color:var(--di-gray);max-width:720px;margin:0 auto;line-height:1.65}

/* Grid */
.di-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}

/* Card */
.di-related-card{background:var(--di-white);border:1.5px solid var(--di-border);border-radius:14px;padding:20px 18px;display:flex;flex-direction:column;gap:12px;transition:transform .25s cubic-bezier(.22,1,.36,1),box-shadow .25s cubic-bezier(.22,1,.36,1),border-color .25s;position:relative;overflow:hidden;text-decoration:none;color:inherit;cursor:pointer}
.di-related-card:hover{transform:translateY(-4px);box-shadow:0 8px 28px rgba(0,40,104,.08);border-color:rgba(0,40,104,.18)}
.di-related-card:active{transform:translateY(-1px)}

/* Card Top Row */
.di-related-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:10px}
.di-related-icon{width:42px;height:42px;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:1.15rem;flex-shrink:0;transition:transform .3s}
.di-related-card:hover .di-related-icon{transform:scale(1.08)}
.di-related-icon.blue{background:rgba(0,40,104,.07);color:var(--di-blue)}
.di-related-icon.red{background:rgba(191,10,48,.07);color:var(--di-red)}
.di-related-icon.green{background:rgba(0,135,90,.07);color:var(--di-green)}
.di-related-icon.purple{background:rgba(124,58,237,.07);color:var(--di-purple)}
.di-related-icon.orange{background:rgba(234,88,12,.07);color:var(--di-orange)}
.di-related-icon.teal{background:rgba(8,145,178,.07);color:var(--di-teal)}
.di-related-icon.amber{background:rgba(217,119,6,.07);color:var(--di-amber)}

/* Category Badge */
.di-related-cat{font-family:'Montserrat','Inter',sans-serif;font-size:.56rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:10px;white-space:nowrap}
.di-related-cat.credit{background:rgba(191,10,48,.06);color:var(--di-red)}
.di-related-cat.loans{background:rgba(0,40,104,.06);color:var(--di-blue)}
.di-related-cat.business{background:rgba(0,135,90,.06);color:var(--di-green)}
.di-related-cat.tax{background:rgba(124,58,237,.06);color:var(--di-purple)}
.di-related-cat.investing{background:rgba(8,145,178,.06);color:var(--di-teal)}

/* Card Content */
.di-related-card-name{font-size:.84rem;font-weight:700;color:var(--di-charcoal);line-height:1.35;margin:0}
.di-related-card-desc{font-size:.74rem;color:var(--di-gray);line-height:1.6;margin:0;flex:1}

/* Relevance Tag */
.di-related-why{display:inline-flex;align-items:center;gap:4px;font-size:.62rem;font-weight:600;color:var(--di-blue);background:rgba(0,40,104,.04);padding:4px 10px;border-radius:8px;margin-top:auto}
.di-related-why svg{width:12px;height:12px;flex-shrink:0}

/* CTA Arrow */
.di-related-cta{display:flex;align-items:center;gap:6px;font-family:'Montserrat','Inter',sans-serif;font-size:.66rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--di-blue);margin-top:2px}
.di-related-cta-arrow{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:rgba(0,40,104,.07);transition:transform .25s,background .25s}
.di-related-card:hover .di-related-cta-arrow{background:var(--di-blue);color:#fff;transform:translateX(3px)}
.di-related-cta-arrow svg{width:12px;height:12px}

/* Featured Card (first) */
.di-related-card.featured{grid-column:span 2;flex-direction:row;gap:20px;padding:24px;background:linear-gradient(135deg,rgba(0,40,104,.02),rgba(0,40,104,.05))}
.di-related-card.featured .di-related-icon{width:54px;height:54px;font-size:1.4rem}
.di-related-card.featured .di-related-card-name{font-size:.92rem}
.di-related-card.featured .di-related-card-desc{font-size:.78rem}
.di-related-feat-content{display:flex;flex-direction:column;gap:8px;flex:1}

/* Browse All Row */
.di-related-browse{text-align:center;margin-top:20px}
.di-related-browse-btn{display:inline-flex;align-items:center;gap:8px;font-family:'Montserrat','Inter',sans-serif;font-size:.72rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--di-white);background:var(--di-blue);padding:10px 28px;border-radius:10px;text-decoration:none;transition:background .2s,transform .2s}
.di-related-browse-btn:hover{background:#001d4a;transform:translateY(-1px)}
.di-related-browse-btn svg{width:14px;height:14px}

/* ---- RESPONSIVE ---- */
@media(max-width:900px){
  .di-related-grid{grid-template-columns:repeat(2,1fr)}
  .di-related-card.featured{grid-column:span 2}
}
@media(max-width:640px){
  .di-related-grid{grid-template-columns:1fr;gap:12px}
  .di-related-card.featured{grid-column:span 1;flex-direction:column}
  .di-related-card.featured .di-related-icon{width:42px;height:42px;font-size:1.15rem}
  .di-related-card{padding:16px 14px;gap:10px}
  .di-related-icon{width:38px;height:38px;font-size:1rem}
}
@media(max-width:480px){
  .di-related-card-name{font-size:.8rem}
  .di-related-card-desc{font-size:.72rem}
}
<!-- ============ CSS — ADD INSIDE EXISTING <style> TAG ============ -->
<!--
/* ══════════════════════════════════════════════════════════════
   LEGAL DISCLAIMER & EDITORIAL TRANSPARENCY CSS
   ══════════════════════════════════════════════════════════════ */
.di-legal{max-width:1200px;margin:38px auto 0;padding:0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--di-charcoal);-webkit-font-smoothing:antialiased}
.di-legal-card{background:var(--di-white);border:1.5px solid var(--di-border);border-radius:16px;overflow:hidden}

/* Card Header */
.di-legal-ch{display:flex;align-items:flex-start;gap:14px;padding:24px 24px 20px;border-bottom:2px solid var(--di-border);background:var(--di-bg)}
.di-legal-ch-icon{width:46px;height:46px;border-radius:12px;background:rgba(191,10,48,0.08);color:var(--di-red);display:flex;align-items:center;justify-content:center;font-size:1.5rem;flex-shrink:0}
.di-legal-ch-title{font-family:'Montserrat','Inter',sans-serif;font-size:clamp(0.92rem,2vw,1.15rem);font-weight:800;color:var(--di-charcoal);margin:0 0 4px;line-height:1.3}
.di-legal-ch-sub{font-size:0.78rem;color:var(--di-gray);line-height:1.55}

/* Content Area */
.di-legal-body{padding:24px}

/* ── BIG WARNING BANNER ── */
.di-disc-banner{display:flex;gap:16px;background:linear-gradient(135deg,#FFF5F7 0%,#FFF1F2 100%);border:1.5px solid rgba(191,10,48,0.2);border-radius:14px;padding:20px 22px;margin-bottom:24px}
.di-disc-bang{font-size:2.2rem;flex-shrink:0;line-height:1}
.di-disc-banner h2{font-family:'Montserrat','Inter',sans-serif;font-size:0.88rem;font-weight:800;color:var(--di-red);margin:0 0 8px;line-height:1.3}
.di-disc-banner p{font-size:0.79rem;color:var(--di-charcoal);line-height:1.65;margin:0}
.di-disc-banner p strong{font-weight:700}

/* ── SECTION TITLE LABEL ── */
.di-disc-stl{font-family:'Montserrat','Inter',sans-serif;font-size:0.72rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--di-blue);margin:28px 0 14px;padding-bottom:8px;border-bottom:2px solid var(--di-border);display:flex;align-items:center;gap:7px}
.di-disc-stl:first-child{margin-top:0}

/* ── DISCLAIMER BLOCKS ── */
.di-disc-block{border-radius:12px;padding:16px 18px;margin-bottom:12px;border:1.5px solid}
.di-disc-block.red{background:#FFF5F7;border-color:rgba(191,10,48,0.2)}
.di-disc-block.orange{background:#FFFBEB;border-color:rgba(217,119,6,0.25)}
.di-disc-block.navy{background:var(--di-bg);border-color:var(--di-border)}
.di-disc-block.green{background:#F0FBF6;border-color:rgba(0,135,90,0.2)}
.di-disc-block.purple{background:#F5F3FF;border-color:rgba(124,58,237,0.2)}
.di-disc-block-title{font-family:'Montserrat','Inter',sans-serif;font-size:0.8rem;font-weight:700;color:var(--di-charcoal);margin-bottom:8px;display:flex;align-items:center;gap:6px}
.di-disc-block-body{font-size:0.78rem;color:var(--di-gray);line-height:1.7}
.di-disc-block-body strong{color:var(--di-charcoal);font-weight:600}
.di-disc-block-body a{color:var(--di-blue);text-decoration:underline}
.di-disc-block-body ul{margin:10px 0 4px 18px;padding:0;list-style:disc}
.di-disc-block-body ul li{margin-bottom:5px;font-size:0.77rem;line-height:1.6}

/* ── EDITORIAL TRANSPARENCY GRID ── */
.di-etrans-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.di-etrans-item{display:flex;gap:12px;background:var(--di-bg);border:1px solid var(--di-border);border-radius:11px;padding:14px 16px}
.di-etrans-icon{width:36px;height:36px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.di-etrans-icon.blue{background:rgba(0,40,104,0.08);color:var(--di-blue)}
.di-etrans-icon.red{background:rgba(191,10,48,0.08);color:var(--di-red)}
.di-etrans-icon.green{background:rgba(0,135,90,0.08);color:var(--di-green)}
.di-etrans-icon.orange{background:rgba(234,88,12,0.08);color:var(--di-orange)}
.di-etrans-icon.purple{background:rgba(124,58,237,0.08);color:var(--di-purple)}
.di-etrans-icon.teal{background:rgba(8,145,178,0.08);color:var(--di-teal)}
.di-etrans-body{flex:1;min-width:0}
.di-etrans-title{font-size:0.78rem;font-weight:700;color:var(--di-charcoal);margin-bottom:4px}
.di-etrans-desc{font-size:0.73rem;color:var(--di-gray);line-height:1.6}

/* ── DATA FRESHNESS TABLE ── */
.di-dt-wrap{overflow-x:auto;border-radius:12px;border:1.5px solid var(--di-border);margin-bottom:18px}
.di-dt-table{width:100%;border-collapse:collapse;font-size:0.76rem}
.di-dt-table thead tr{background:var(--di-blue)}
.di-dt-table thead th{padding:9px 12px;color:#fff;font-family:'Montserrat','Inter',sans-serif;font-size:0.64rem;font-weight:700;letter-spacing:0.05em;text-transform:uppercase;text-align:left;white-space:nowrap}
.di-dt-table tbody tr:nth-child(even){background:var(--di-bg)}
.di-dt-table tbody td{padding:8px 12px;color:var(--di-charcoal);border-bottom:1px solid var(--di-border);vertical-align:top}
.di-dt-table tbody td.label{font-weight:600;max-width:220px}
.di-dt-badge{display:inline-flex;align-items:center;gap:3px;font-size:0.62rem;font-weight:700;padding:2px 9px;border-radius:10px;white-space:nowrap}
.di-dt-badge.live{background:rgba(0,135,90,0.1);color:var(--di-green)}
.di-dt-badge.static{background:rgba(0,40,104,0.08);color:var(--di-blue)}
.di-dt-badge.annual{background:rgba(234,88,12,0.08);color:var(--di-orange)}
.di-dt-badge.quarterly{background:rgba(124,58,237,0.08);color:var(--di-purple)}
.di-dt-badge.upcoming{background:rgba(8,145,178,0.08);color:var(--di-teal)}

/* ── OFFICIAL SOURCE CARDS ── */
.di-gov-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.di-gov-card{display:flex;gap:12px;background:var(--di-white);border:1.5px solid var(--di-border);border-radius:12px;padding:16px;text-decoration:none;color:inherit;transition:border-color 0.2s,box-shadow 0.2s}
.di-gov-card:hover{border-color:rgba(0,40,104,0.25);box-shadow:0 3px 14px rgba(0,40,104,0.06)}
.di-gov-seal{font-size:1.6rem;flex-shrink:0;line-height:1}
.di-gov-body{flex:1;min-width:0}
.di-gov-agency{font-size:0.67rem;font-weight:600;color:var(--di-gray);margin-bottom:3px;display:flex;flex-wrap:wrap;align-items:center;gap:5px}
.di-gov-badge{display:inline-flex;font-size:0.56rem;font-weight:700;letter-spacing:0.03em;background:rgba(0,40,104,0.08);color:var(--di-blue);padding:1px 7px;border-radius:8px}
.di-gov-title{font-size:0.8rem;font-weight:700;color:var(--di-charcoal);margin-bottom:4px;line-height:1.35}
.di-gov-desc{font-size:0.72rem;color:var(--di-gray);line-height:1.6;margin-bottom:6px}
.di-gov-url{font-size:0.65rem;color:var(--di-blue);word-break:break-all}

/* ── TEAM BOX ── */
.di-team-box{display:flex;gap:14px;background:var(--di-bg);border:1.5px solid var(--di-border);border-radius:12px;padding:18px 20px}
.di-team-avatar{font-size:2rem;flex-shrink:0;line-height:1}
.di-team-body{flex:1}
.di-team-name{font-family:'Montserrat','Inter',sans-serif;font-size:0.84rem;font-weight:800;color:var(--di-charcoal);margin-bottom:2px}
.di-team-role{font-size:0.72rem;font-weight:600;color:var(--di-blue);margin-bottom:8px}
.di-team-bio{font-size:0.74rem;color:var(--di-gray);line-height:1.65;margin-bottom:10px}
.di-team-review{font-size:0.68rem;color:var(--di-gray);line-height:1.55}
.di-team-review strong{color:var(--di-charcoal);font-weight:600}

/* ── BOTTOM STAMP BAR ── */
.di-stamp-bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:10px;background:var(--di-bg);border:1px solid var(--di-border);border-radius:12px;padding:14px 18px;margin-top:24px;font-size:0.66rem;color:var(--di-gray);text-align:center}
.di-stamp-bar strong{color:var(--di-charcoal);font-weight:700}
.di-stamp-sep{width:1px;height:14px;background:var(--di-border);flex-shrink:0}

/* ── RESPONSIVE ── */
@media(max-width:768px){
  .di-legal-ch{flex-direction:column;gap:10px;padding:18px 16px 16px}
  .di-legal-body{padding:18px 16px}
  .di-disc-banner{flex-direction:column;gap:10px;padding:16px}
  .di-disc-banner h2{font-size:0.82rem}
  .di-etrans-grid{grid-template-columns:1fr}
  .di-gov-grid{grid-template-columns:1fr}
  .di-dt-table{font-size:0.72rem}
  .di-dt-table thead th{font-size:0.6rem;padding:7px 8px}
  .di-dt-table tbody td{padding:6px 8px}
  .di-stamp-sep{display:none}
  .di-stamp-bar{flex-direction:column;gap:6px}
  .di-team-box{flex-direction:column;gap:10px}
}
@media(max-width:480px){
  .di-disc-block{padding:12px 14px}
  .di-disc-block-title{font-size:0.75rem}
  .di-disc-block-body{font-size:0.74rem}
  .di-etrans-item{flex-direction:column;gap:8px}
  .di-gov-card{flex-direction:column;gap:8px;padding:12px}
}

/* ─────────────────────────────────────────────
   MASTER MOBILE FIX: NUCLEAR OVERFLOW & TABLE FIX
   ───────────────────────────────────────────── */
@media screen and (max-width: 768px) {
  /* 1. Stop Flexbox from forcing the screen to widen */
  #diWrapper * {
    min-width: 0 !important;
  }

  /* 2. Force the card and all inner divs to respect the screen limit */
  #diResults, 
  #diResults div,
  .di-res-card,
  .di-panel {
    max-width: 100% !important;
    box-sizing: border-box !important;
  }

  /* 3. THE MAIN CULPRIT: Force tables to scroll horizontally instead of stretching the card */
  #diResults table,
  .di-table-wrap,
  .di-accrual-table,
  .di-table-container {
    display: block !important;
    width: 100% !important;
    max-width: 100vw !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }

  /* 4. Ensure side-by-side text stats stack vertically */
  .di-res-details,
  .di-stat-row,
  .di-split,
  .di-flex-row {
    display: flex !important;
    flex-direction: column !important;
    align-items: flex-start !important;
    width: 100% !important;
    gap: 8px !important;
  }

  /* 5. Ensure the Chart doesn't break the layout */
  .di-chart-wrap {
    width: 100% !important;
    max-width: 100% !important;
    overflow-x: hidden !important;
  }
}