/* ============================================================
   CSS VARIABLES — DESIGN SYSTEM
   ============================================================ */
:root {
  --p1: #002868;
  --p1d: #00183F;
  --p8: #BF0A30;
  --p8h: #a00826;
  --p9: #00875A;
  --p9h: #006644;
  --white: #ffffff;
  --charcoal: #1D1D1F;
  --gray-text: #5F6368;
  --border: #E0E4E8;
  --bg-light: #F7F9FC;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.06);
  --shadow-md: 0 4px 20px rgba(0,40,104,.08);
  --wa-green: #25D366;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
  background: #eef2f7;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ============================================================
   CALCULATOR WRAPPER & TITLE BAR
   ============================================================ */
.calc-wrap {
  max-width: 1220px;
  margin: 40px auto;
  padding: 0 20px 60px;
}

.calc-title-bar {
  background: var(--p1);
  color: #fff;
  border-radius: 12px 12px 0 0;
  padding: 22px 28px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.calc-title-left {
  display: flex;
  align-items: center;
  gap: 16px;
  flex: 1;
}

.calc-title-icon {
  width: 48px;
  height: 48px;
  background: rgba(255,255,255,.15);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

.calc-title-bar h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: 20px;
  font-weight: 800;
  line-height: 1.2;
  margin: 0;
}

.calc-title-bar .calc-subtitle {
  font-size: 12px;
  color: rgba(255,255,255,.75);
  margin-top: 2px;
}

.calc-badges {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.calc-badge {
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.25);
  color: #fff;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 9999px;
  white-space: nowrap;
}

.calc-badge i { color: #4ade80; font-size: 11px; margin-right: 3px; }

/* ============================================================
   CALC BODY
   ============================================================ */
.calc-body {
  display: grid;
  grid-template-columns: 1fr 430px;
  gap: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-top: none;
  border-radius: 0 0 12px 12px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.calc-inputs {
  padding: 24px;
  border-right: 1px solid var(--border);
  overflow-y: auto;
}

.calc-results-panel {
  background: var(--bg-light);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

/* ============================================================
   EMPLOYMENT TAB SWITCHER
   ============================================================ */
.tab-switcher {
  display: flex;
  gap: 6px;
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 4px;
  margin-bottom: 20px;
}

.tab-btn {
  flex: 1;
  padding: 10px 8px;
  border: none;
  border-radius: 7px;
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--gray-text);
  background: transparent;
  cursor: pointer;
  transition: all 180ms ease;
  text-align: center;
  line-height: 1.3;
}

.tab-btn i {
  display: block;
  font-size: 16px;
  margin-bottom: 4px;
}

.tab-btn:hover { color: var(--p1); background: rgba(0,40,104,.06); }

.tab-btn.active {
  background: var(--p1);
  color: #fff;
  box-shadow: 0 2px 8px rgba(0,40,104,.25);
}

/* ============================================================
   SECTION HEADERS
   ============================================================ */
.section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--p1);
  margin: 22px 0 12px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--bg-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.section-title:first-of-type { margin-top: 0; }
.section-title i { color: var(--p9); }

/* ============================================================
   FORM FIELDS
   ============================================================ */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-grid.cols1 { grid-template-columns: 1fr; }
.form-grid.cols3 { grid-template-columns: 1fr 1fr 1fr; }

.field { display: flex; flex-direction: column; gap: 4px; }
.field label {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--charcoal);
}
.field label .hint {
  font-weight: 400;
  color: var(--gray-text);
  font-size: 11px;
  display: block;
}

.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .prefix,
.input-wrap .suffix {
  position: absolute;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-text);
  pointer-events: none;
  z-index: 5;
}
.input-wrap .prefix { left: 12px; }
.input-wrap .suffix { right: 12px; }

/* NUCLEAR INPUT OVERRIDES */
.calc-body input[type="text"],
.calc-body input[type="number"],
.calc-body input[type="date"],
.calc-body select {
  width: 100% !important;
  padding: 9px 12px !important;
  border: 1.5px solid var(--border) !important;
  border-radius: 8px !important;
  font-family: 'Inter', sans-serif !important;
  font-size: 13.5px !important;
  color: var(--charcoal) !important;
  background-color: #ffffff !important;
  background-image: none !important;
  transition: all 0.2s !important;
  outline: none !important;
  -webkit-appearance: none !important;
  box-shadow: none !important;
  height: 40px !important;
}
.calc-body input:focus,
.calc-body select:focus {
  border-color: var(--p1) !important;
  box-shadow: 0 0 0 3px rgba(0,40,104,.1) !important;
}
.input-wrap.has-prefix input { padding-left: 26px !important; }
.input-wrap.has-suffix input { padding-right: 36px !important; }
select {
  cursor: pointer !important;
  padding-right: 30px !important;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%235F6368'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E") no-repeat right 10px center/12px #ffffff !important;
}

/* TOTAL EXPENSES HIGHLIGHT */
.total-expenses-bar {
  background: var(--p1);
  border-radius: 8px;
  padding: 12px 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin: 12px 0 0;
}
.total-expenses-bar .label {
  color: rgba(255,255,255,.85);
  font-size: 13px;
  font-weight: 600;
}
.total-expenses-bar .value {
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 20px;
  font-weight: 900;
  font-variant-numeric: tabular-nums;
}

/* INCOME NOTE */
.income-note {
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 12px;
  color: #78350f;
  margin-top: 8px;
  line-height: 1.5;
}
.income-note i { margin-right: 5px; }

/* TAB PANELS */
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ============================================================
   RISK PROFILER
   ============================================================ */
.risk-questions {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.risk-q {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.risk-q label {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--charcoal);
  display: flex;
  align-items: center;
  gap: 6px;
}

.risk-q label .q-num {
  width: 20px;
  height: 20px;
  background: var(--p1);
  color: #fff;
  border-radius: 50%;
  font-size: 10px;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.risk-score-bar {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  margin-top: 12px;
  text-align: center;
}

.risk-score-label {
  font-size: 12px;
  color: var(--gray-text);
  margin-bottom: 6px;
  font-weight: 600;
}

.risk-score-display {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 900;
  color: var(--p1);
}

.risk-rec-text {
  font-size: 12.5px;
  color: var(--charcoal);
  margin-top: 4px;
  font-weight: 600;
}

/* ============================================================
   ACTION BUTTONS
   ============================================================ */
.calc-actions {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 24px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 12px 18px;
  border-radius: 8px;
  font-size: 13px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: all 180ms ease;
  width: 100%;
}

.btn-pdf {
  background: var(--p9);
  color: #fff;
  display: none;
}
.btn-pdf:hover { background: var(--p9h); box-shadow: 0 4px 12px rgba(0,135,90,.25); transform: translateY(-1px); }

.btn-wa {
  background: var(--wa-green);
  color: #fff;
  display: none;
}
.btn-wa:hover { background: #1fa850; box-shadow: 0 4px 12px rgba(37,211,102,.25); transform: translateY(-1px); }

/* ============================================================
   RESULTS PANEL
   ============================================================ */
.results-placeholder {
  text-align: center;
  padding: 50px 20px;
  color: #9ca3af;
}
.results-placeholder i {
  font-size: 44px;
  margin-bottom: 16px;
  color: #d1d5db;
  display: block;
}
.results-placeholder p {
  font-size: 13.5px;
  line-height: 1.6;
}

.results-content { display: none; }

.res-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.res-card-header {
  background: var(--p1);
  color: #fff;
  padding: 10px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 8px;
}

.res-card-body { padding: 14px 16px; }

/* RISK BADGE */
.risk-badge-large {
  text-align: center;
  padding: 14px 0 6px;
}
.risk-badge-score {
  font-family: 'Montserrat', sans-serif;
  font-size: 36px;
  font-weight: 900;
  line-height: 1;
}
.risk-badge-label {
  font-size: 12px;
  color: var(--gray-text);
  margin: 4px 0;
}
.risk-coverage-pill {
  display: inline-block;
  padding: 4px 14px;
  border-radius: 9999px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 800;
  margin-top: 6px;
}
.risk-green { background: #dcfce7; color: #166534; }
.risk-yellow { background: #fef9c3; color: #713f12; }
.risk-orange { background: #fff7ed; color: #9a3412; }
.risk-red { background: #fee2e2; color: #991b1b; }

/* SCENARIO GRID */
.scenario-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 6px;
}

.scenario-col {
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 10px 8px;
  text-align: center;
}
.scenario-col.featured {
  background: var(--p1);
  border-color: var(--p1);
}
.scenario-col .sc-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--gray-text);
  margin-bottom: 4px;
}
.scenario-col.featured .sc-label { color: rgba(255,255,255,.75); }
.scenario-col .sc-months {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--p1);
}
.scenario-col.featured .sc-months { color: #fff; }
.scenario-col .sc-amount {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 900;
  color: var(--charcoal);
  margin: 4px 0;
}
.scenario-col.featured .sc-amount { color: #fff; font-size: 16px; }
.scenario-col .sc-time {
  font-size: 10.5px;
  color: var(--gray-text);
}
.scenario-col.featured .sc-time { color: rgba(255,255,255,.75); }

/* DATA ROWS */
.data-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px dashed var(--border);
  font-size: 13px;
}
.data-row:last-child { border-bottom: none; }
.data-label { color: var(--gray-text); font-weight: 500; }
.data-val { font-weight: 700; color: var(--charcoal); font-variant-numeric: tabular-nums; }
.data-val.green { color: var(--p9); }
.data-val.red { color: var(--p8); }
.data-val.blue { color: var(--p1); }
.data-val.big {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 900;
}

.total-line {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 16px;
  background: var(--p1);
  margin: 8px -16px -14px;
  border-radius: 0 0 10px 10px;
}
.total-line .label { color: rgba(255,255,255,.85); font-size: 12px; font-weight: 700; }
.total-line .value {
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 900;
  font-variant-numeric: tabular-nums;
}

/* PROGRESS BAR */
.progress-bar-wrap {
  margin: 10px 0 4px;
}
.progress-bar-track {
  height: 12px;
  background: var(--border);
  border-radius: 9999px;
  overflow: hidden;
}
.progress-bar-fill {
  height: 100%;
  border-radius: 9999px;
  transition: width 500ms ease;
}
.progress-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--gray-text);
  margin-top: 4px;
  font-weight: 600;
}

/* HYSA TABLE */
.hysa-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 11.5px;
}
.hysa-table th {
  background: #f0f4fb;
  padding: 6px 8px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--p1);
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: 10px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.hysa-table td {
  padding: 6px 8px;
  border-bottom: 1px solid #f1f5f9;
  font-variant-numeric: tabular-nums;
  font-family: 'Inter', sans-serif;
}
.hysa-table tr:last-child td { border-bottom: none; }
.hysa-table tr.goal-reached td { background: #dcfce7; color: #166534; font-weight: 700; }
.hysa-table td.pct-cell { color: var(--p9); font-weight: 700; }

.view-all-btn {
  display: block;
  width: 100%;
  padding: 8px;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 0 0 8px 8px;
  font-size: 12px;
  font-weight: 700;
  color: var(--p1);
  cursor: pointer;
  text-align: center;
  transition: background 180ms;
  font-family: 'Montserrat', sans-serif;
}
.view-all-btn:hover { background: #e8eef8; }

/* ============================================================
   HOW IT WORKS SECTION
   ============================================================ */
.how-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}

.how-container { max-width: 1100px; margin-inline: auto; }

.how-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: var(--p9);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}

.how-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--p1);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}

.how-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2rem;
}

.how-steps { display: flex; flex-direction: column; gap: 0.875rem; }

.how-step {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 1rem 1.25rem;
  box-shadow: 0 1px 3px rgba(0,0,0,.05);
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.how-step:hover { box-shadow: 0 4px 12px rgba(0,40,104,.08); transform: translateY(-1px); }

.how-step-number {
  flex-shrink: 0;
  width: 2rem;
  height: 2rem;
  background: var(--p1);
  color: #fff;
  font-size: 0.8rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.1rem;
  font-family: 'Montserrat', sans-serif;
}

.how-step-body h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--p1);
  margin-bottom: 0.3rem;
}
.how-step-body p {
  font-size: 0.875rem;
  color: #4a5568;
  line-height: 1.65;
}
.how-step-body p strong { color: var(--p1); font-weight: 700; }


/* ============================================================
   DATA SOURCES
   ============================================================ */
.data-sources {
  background: var(--bg-light);
  padding: 1.5rem clamp(1rem, 4vw, 2rem);
  border-top: 1px solid var(--border);
  font-size: 12px;
  color: var(--gray-text);
  text-align: center;
}
.data-sources strong { color: var(--charcoal); }

/* ============================================================
   RELATED CALCULATORS
   ============================================================ */
.related-section {
  background: #fff;
  padding: clamp(2rem, 5vw, 3.5rem) clamp(1rem, 4vw, 2rem);
  border-top: 1px solid var(--border);
}
.related-container { max-width: 1100px; margin-inline: auto; }
.related-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--p1);
  margin-bottom: 1.25rem;
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 12px;
}
.related-card {
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 14px;
  text-decoration: none;
  transition: all 180ms ease;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.related-card:hover {
  border-color: var(--p1);
  background: #eef2fb;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,40,104,.1);
}
.related-card .rc-icon {
  width: 36px;
  height: 36px;
  background: var(--p1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 16px;
}
.related-card .rc-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
}
.related-card .rc-arrow {
  font-size: 11px;
  color: var(--p1);
  margin-top: auto;
  font-weight: 700;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1000px) {
  .calc-body { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--border); }
  .related-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .calc-title-bar {
    padding: 18px 20px;
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }
  .calc-title-bar h1 { font-size: 17px; }
  .calc-title-icon { width: 40px; height: 40px; font-size: 18px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid.cols3 { grid-template-columns: 1fr; }
  .scenario-grid { grid-template-columns: 1fr; }
}

@media (max-width: 600px) {
  .calc-wrap { padding: 16px 12px 40px; margin: 16px auto; }
  .related-grid { grid-template-columns: 1fr 1fr; }
  .tab-btn { font-size: 10.5px; padding: 8px 4px; }
}

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  .calc-inputs, .tab-switcher, .calc-actions, .calc-badges,
  .how-section, .faq-section, .related-section, body { background: #fff !important; }
  .calc-body { grid-template-columns: 1fr; }
  .btn { display: none !important; }
}


/* ============================================================
   PRO TIPS SECTION
   ============================================================ */
.tips-section {
  background: #fff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: Inter, sans-serif;
  color: #1a1f2e;
}
.tips-container {
  max-width: 1100px;
  margin-inline: auto;
}
.tips-eyebrow {
  display: inline-block;
  background: #fef3c7;
  color: #92400e;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #fde68a;
  margin-bottom: 0.85rem;
}
.tips-section h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--p1);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.tips-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2rem;
}
.tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.tip-card {
  background: var(--bg-light);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  padding: 20px;
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.tip-card:hover {
  box-shadow: 0 4px 16px rgba(0,40,104,.1);
  transform: translateY(-2px);
}
.tip-card-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.tip-number {
  width: 32px;
  height: 32px;
  background: var(--p1);
  color: #fff;
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tip-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--p1);
  line-height: 1.25;
}
.tip-card p {
  font-size: 0.875rem;
  color: #4a5568;
  line-height: 1.65;
  margin-bottom: 8px;
}
.tip-card p:last-child {
  margin-bottom: 0;
}
.tip-card strong {
  color: var(--p1);
  font-weight: 700;
}
.tip-highlight {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 6px;
  padding: 8px 12px;
  font-size: 12.5px;
  color: #1e40af;
  font-weight: 600;
  margin-top: 8px;
  line-height: 1.5;
}
.tip-highlight i {
  margin-right: 4px;
}
.tip-card.featured {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, #002868 0%, #00183F 100%);
  border-color: var(--p1);
}
.tip-card.featured h3,
.tip-card.featured p,
.tip-card.featured strong {
  color: #fff;
}
.tip-card.featured p {
  color: rgba(255,255,255,.85);
}
.tip-card.featured .tip-number {
  background: rgba(255,255,255,.2);
  color: #fff;
}
.tip-card.featured .tip-highlight {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.25);
  color: rgba(255,255,255,.95);
}

/* ============================================================
   DISCLAIMER & EDITORIAL TRANSPARENCY SECTION
   ============================================================ */
.disclaimer-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 4.5rem) clamp(1rem, 4vw, 2rem);
  font-family: Inter, sans-serif;
  color: #1a1f2e;
}
.disclaimer-container {
  max-width: 1100px;
  margin-inline: auto;
}
.disclaimer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 24px;
}
.disclaimer-col h3 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1rem, 2vw, 1.2rem);
  font-weight: 800;
  color: var(--p1);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.disclaimer-col h3 i {
  font-size: 18px;
}
.disc-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 10px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  transition: box-shadow 180ms ease;
}
.disc-item:hover {
  box-shadow: 0 2px 8px rgba(0,40,104,.06);
}
.disc-item:last-child {
  margin-bottom: 0;
}
.disc-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.disc-icon.warn { background: #fef3c7; color: #92400e; }
.disc-icon.data { background: #eff6ff; color: #1e40af; }
.disc-icon.block { background: #fee2e2; color: #991b1b; }
.disc-icon.link { background: #ecfdf5; color: #065f46; }
.disc-item-body h4 {
  font-family: Montserrat, sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 4px;
}
.disc-item-body p {
  font-size: 12.5px;
  color: var(--gray-text);
  line-height: 1.6;
}
/* Editorial numbered items */
.ed-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 10px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
  transition: box-shadow 180ms ease;
}
.ed-item:hover {
  box-shadow: 0 2px 8px rgba(0,40,104,.06);
}
.ed-item:last-child {
  margin-bottom: 0;
}
.ed-num {
  width: 28px;
  height: 28px;
  background: var(--p1);
  color: #fff;
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.ed-item-body h4 {
  font-family: Montserrat, sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 4px;
}
.ed-item-body p {
  font-size: 12.5px;
  color: var(--gray-text);
  line-height: 1.6;
}
.ed-item-body a {
  color: var(--p1);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}
.ed-item-body a:hover {
  color: var(--p8);
}
/* Gov sources cards */
.gov-sources-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 20px;
}
.gov-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  text-decoration: none;
  transition: all 180ms ease;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.gov-card:hover {
  border-color: var(--p1);
  background: #f0f4fb;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,40,104,.1);
}
.gov-badge {
  display: inline-block;
  font-family: Montserrat, sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 2px 8px;
  border-radius: 4px;
  width: fit-content;
}
.gov-badge.gov { background: #dbeafe; color: #1e40af; }
.gov-badge.org { background: #d1fae5; color: #065f46; }
.gov-card-name {
  font-family: Montserrat, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
}
.gov-card-desc {
  font-size: 11.5px;
  color: var(--gray-text);
  line-height: 1.5;
}
.gov-card-arrow {
  font-size: 11px;
  color: var(--p1);
  font-weight: 700;
  margin-top: auto;
}
/* Disclaimer footer stamp */
.disc-footer {
  background: var(--p1);
  border-radius: 8px;
  padding: 12px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}
.disc-footer-left {
  font-size: 12px;
  color: rgba(255,255,255,.8);
  display: flex;
  align-items: center;
  gap: 6px;
}
.disc-footer-left i {
  color: #4ade80;
}
.disc-footer-left strong {
  color: #fff;
}
.disc-footer-links {
  display: flex;
  gap: 16px;
}
.disc-footer-links a {
  font-size: 11.5px;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  font-weight: 600;
  transition: color 180ms;
}
.disc-footer-links a:hover {
  color: #fff;
}

/* ============================================================
   RESPONSIVE — NEW SECTIONS
   ============================================================ */
@media (max-width: 900px) {
  .tips-grid {
    grid-template-columns: 1fr;
  }
  .tip-card.featured {
    grid-column: auto;
  }
  .disclaimer-grid {
    grid-template-columns: 1fr;
  }
  .gov-sources-grid {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 600px) {
  .gov-sources-grid {
    grid-template-columns: 1fr;
  }
  .disc-footer {
    flex-direction: column;
    text-align: center;
    padding: 14px 16px;
  }
  .disc-footer-links {
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
  }
}
/* ============================================================
   HOW IT WORKS — ENHANCED DETAILED SECTION
   ============================================================ */
.how-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.how-container { max-width: 1100px; margin-inline: auto; }

.how-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.how-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.how-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2rem;
}

/* Step cards */
.how-steps { display: flex; flex-direction: column; gap: 0.875rem; }
.how-step {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 1.1rem 1.25rem;
  box-shadow: 0 1px 3px rgba(0,0,0,.05);
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.how-step:hover {
  box-shadow: 0 4px 12px rgba(0,40,104,.08);
  transform: translateY(-1px);
}
.how-step-number {
  flex-shrink: 0;
  width: 2rem;
  height: 2rem;
  background: #002868;
  color: #fff;
  font-size: 0.8rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 0.15rem;
  font-family: 'Montserrat', sans-serif;
}
.how-step-body h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: #002868;
  margin-bottom: 0.35rem;
  line-height: 1.3;
}
.how-step-body p {
  font-size: 0.875rem;
  color: #4a5568;
  line-height: 1.7;
  margin-bottom: 0;
}
.how-step-body p strong { color: #002868; font-weight: 700; }
.how-step-body p em { font-style: italic; color: #374151; }

/* Formula boxes inside steps */
.how-formula {
  background: #f0f4fb;
  border: 1px solid #dbeafe;
  border-radius: 6px;
  padding: 8px 12px;
  margin-top: 8px;
  font-size: 12.5px;
  font-family: 'Inter', monospace;
  color: #1e40af;
  font-weight: 600;
  line-height: 1.6;
  overflow-x: auto;
}
.how-formula code {
  display: block;
  white-space: pre-wrap;
  word-break: break-word;
}

/* Callout boxes inside steps */
.how-callout {
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: 6px;
  padding: 8px 12px;
  margin-top: 8px;
  font-size: 12.5px;
  color: #78350f;
  line-height: 1.6;
  font-weight: 500;
}
.how-callout i { margin-right: 5px; }
.how-callout strong { color: #92400e; }

/* Risk table inside steps */
.how-risk-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 10px;
  font-size: 12.5px;
}
.how-risk-table th {
  background: #002868;
  color: #fff;
  padding: 7px 10px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  text-align: left;
}
.how-risk-table th:first-child { border-radius: 6px 0 0 0; }
.how-risk-table th:last-child { border-radius: 0 6px 0 0; }
.how-risk-table td {
  padding: 7px 10px;
  border-bottom: 1px solid #f1f5f9;
  color: #374151;
  font-variant-numeric: tabular-nums;
}
.how-risk-table tr:nth-child(even) td { background: #f8fafc; }
.how-risk-table tr:last-child td { border-bottom: none; }
.how-risk-table td strong { color: #002868; }

/* Scenario mini-cards inside steps */
.how-scenario-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  margin-top: 10px;
}
.how-sc-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 8px;
  padding: 10px;
  text-align: center;
}
.how-sc-card.rec {
  background: #002868;
  border-color: #002868;
}
.how-sc-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #5F6368;
  margin-bottom: 4px;
}
.how-sc-card.rec .how-sc-label { color: rgba(255,255,255,.7); }
.how-sc-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 900;
  color: #002868;
}
.how-sc-card.rec .how-sc-val { color: #fff; }
.how-sc-desc {
  font-size: 10.5px;
  color: #5F6368;
  margin-top: 2px;
}
.how-sc-card.rec .how-sc-desc { color: rgba(255,255,255,.7); }

/* Employment mode badges */
.how-mode-badges {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-top: 8px;
}
.how-mode-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  border-radius: 6px;
  padding: 5px 10px;
  font-size: 11.5px;
  font-weight: 600;
  color: #374151;
}
.how-mode-badge i {
  font-size: 12px;
  color: #002868;
}

/* HYSA compounding visual */
.how-hysa-example {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 10px;
}
.how-hysa-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 8px;
  padding: 12px;
  text-align: center;
}
.how-hysa-card.good {
  background: #ecfdf5;
  border-color: #a7f3d0;
}
.how-hysa-rate {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 900;
  color: #002868;
}
.how-hysa-card.good .how-hysa-rate { color: #00875A; }
.how-hysa-label {
  font-size: 10.5px;
  font-weight: 700;
  color: #5F6368;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
  font-family: 'Montserrat', sans-serif;
}
.how-hysa-val {
  font-size: 12px;
  color: #374151;
  margin-top: 4px;
}
.how-hysa-val strong {
  color: #002868;
  font-weight: 700;
}
.how-hysa-card.good .how-hysa-val strong { color: #00875A; }

/* Section dividers inside the steps area */
.how-phase-label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 1.25rem 0 0.75rem;
}
.how-phase-line {
  flex: 1;
  height: 1px;
  background: #d1d5db;
}
.how-phase-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #002868;
  background: #dbeafe;
  padding: 3px 12px;
  border-radius: 9999px;
  white-space: nowrap;
}

/* ============================================================
   RESPONSIVE — HOW SECTION
   ============================================================ */
@media (max-width: 768px) {
  .how-step {
    padding: 0.9rem 1rem;
    gap: 0.75rem;
  }
  .how-step-body h4 { font-size: 0.88rem; }
  .how-risk-table { font-size: 11.5px; }
  .how-risk-table th,
  .how-risk-table td { padding: 6px 7px; }
  .how-scenario-row {
    grid-template-columns: 1fr;
    gap: 6px;
  }
  .how-hysa-example {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 480px) {
  .how-step {
    flex-direction: column;
    gap: 0.5rem;
    padding: 0.85rem 0.9rem;
  }
  .how-step-number {
    width: 1.75rem;
    height: 1.75rem;
    font-size: 0.72rem;
  }
  .how-step-body h4 { font-size: 0.85rem; }
  .how-step-body p { font-size: 0.82rem; }
  .how-formula { font-size: 11.5px; padding: 7px 10px; }
  .how-callout { font-size: 11.5px; }
  .how-mode-badges { gap: 4px; }
  .how-mode-badge { font-size: 10.5px; padding: 4px 8px; }
  .how-risk-table { font-size: 11px; display: block; overflow-x: auto; }
}
/* ============================================================
   EDUCATIONAL CONTENT SECTION
   ============================================================ */
.edu-section {
  background: #fff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.edu-container { max-width: 1100px; margin-inline: auto; }

.edu-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.edu-section > .edu-container > h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.edu-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2.25rem;
}

/* ---- Hero Stat Bar ---- */
.edu-stat-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 2.5rem;
}
.edu-stat-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 10px;
  padding: 16px 14px;
  text-align: center;
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.edu-stat-card:hover {
  box-shadow: 0 4px 12px rgba(0,40,104,.08);
  transform: translateY(-2px);
}
.edu-stat-card.highlight {
  background: #002868;
  border-color: #002868;
}
.edu-stat-value {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.3rem, 2.5vw, 1.75rem);
  font-weight: 900;
  color: #002868;
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
}
.edu-stat-card.highlight .edu-stat-value { color: #fff; }
.edu-stat-label {
  font-size: 11px;
  color: #5F6368;
  margin-top: 4px;
  line-height: 1.35;
  font-weight: 500;
}
.edu-stat-card.highlight .edu-stat-label { color: rgba(255,255,255,.75); }
.edu-stat-source {
  font-size: 9px;
  color: #9ca3af;
  margin-top: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 600;
}
.edu-stat-card.highlight .edu-stat-source { color: rgba(255,255,255,.5); }

/* ---- Primary Definition Block ---- */
.edu-definition {
  background: linear-gradient(135deg, #002868 0%, #001a45 100%);
  border-radius: 12px;
  padding: clamp(1.5rem, 4vw, 2.5rem);
  color: #fff;
  margin-bottom: 2.25rem;
  position: relative;
  overflow: hidden;
}
.edu-definition::after {
  content: '🛡️';
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  opacity: 0.12;
  pointer-events: none;
}
.edu-def-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  margin-bottom: 8px;
}
.edu-definition h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: #fff;
  margin-bottom: 10px;
  line-height: 1.25;
}
.edu-definition p {
  font-size: 0.92rem;
  color: rgba(255,255,255,.88);
  line-height: 1.75;
  max-width: 65ch;
}
.edu-definition p strong { color: #fff; font-weight: 700; }

/* ---- Term Grid ---- */
.edu-terms-heading {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, 2.2vw, 1.4rem);
  font-weight: 800;
  color: #002868;
  margin-bottom: 0.85rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid #e8eaf0;
  display: flex;
  align-items: center;
  gap: 8px;
}
.edu-terms-heading i {
  font-size: 16px;
  color: #00875A;
}

.edu-terms-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 2.25rem;
}
.edu-term-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 10px;
  padding: 18px 20px;
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.edu-term-card:hover {
  box-shadow: 0 4px 12px rgba(0,40,104,.08);
  transform: translateY(-1px);
}
.edu-term-card.full-width {
  grid-column: 1 / -1;
}
.edu-term-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  margin-bottom: 10px;
  font-weight: 700;
}
.edu-term-icon.navy    { background: #e8eef8; color: #002868; }
.edu-term-icon.green   { background: #e6f7ef; color: #00875A; }
.edu-term-icon.red     { background: #fce8ec; color: #BF0A30; }
.edu-term-icon.amber   { background: #fef3c7; color: #92400e; }
.edu-term-icon.blue    { background: #dbeafe; color: #1e40af; }
.edu-term-icon.purple  { background: #ede9fe; color: #6d28d9; }
.edu-term-icon.teal    { background: #ccfbf1; color: #0f766e; }
.edu-term-icon.slate   { background: #f1f5f9; color: #475569; }

.edu-term-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #002868;
  margin-bottom: 4px;
  line-height: 1.25;
}
.edu-term-aka {
  font-size: 11px;
  color: #00875A;
  font-weight: 600;
  margin-bottom: 6px;
  font-style: italic;
}
.edu-term-desc {
  font-size: 0.82rem;
  color: #4a5568;
  line-height: 1.65;
}
.edu-term-desc strong { color: #002868; font-weight: 700; }

/* ---- Comparison Table ---- */
.edu-table-wrap {
  margin-bottom: 2.25rem;
  border-radius: 10px;
  overflow: hidden;
  border: 1.5px solid #E0E4E8;
}
.edu-compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.edu-compare-table thead th {
  background: #002868;
  color: #fff;
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 10.5px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: left;
}
.edu-compare-table tbody td {
  padding: 10px 14px;
  border-bottom: 1px solid #f1f5f9;
  color: #374151;
  vertical-align: top;
  line-height: 1.55;
}
.edu-compare-table tbody tr:nth-child(even) td { background: #f8fafc; }
.edu-compare-table tbody tr:last-child td { border-bottom: none; }
.edu-compare-table tbody td strong { color: #002868; }
.edu-compare-table tbody td em { font-style: normal; font-weight: 600; color: #00875A; }

/* ---- When to Use / Not Use ---- */
.edu-use-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 2.25rem;
}
.edu-use-card {
  border-radius: 10px;
  padding: 20px;
  border: 1.5px solid;
}
.edu-use-card.do {
  background: #ecfdf5;
  border-color: #a7f3d0;
}
.edu-use-card.dont {
  background: #fef2f2;
  border-color: #fecaca;
}
.edu-use-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.edu-use-card.do .edu-use-title { color: #166534; }
.edu-use-card.dont .edu-use-title { color: #991b1b; }
.edu-use-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.edu-use-list li {
  font-size: 0.82rem;
  color: #374151;
  line-height: 1.55;
  padding: 5px 0;
  padding-left: 22px;
  position: relative;
}
.edu-use-list li::before {
  position: absolute;
  left: 0;
  font-size: 13px;
  font-weight: 700;
}
.edu-use-card.do .edu-use-list li::before {
  content: '✓';
  color: #00875A;
}
.edu-use-card.dont .edu-use-list li::before {
  content: '✗';
  color: #BF0A30;
}

/* ---- Formula Showcase ---- */
.edu-formula-box {
  background: #f0f4fb;
  border: 1.5px solid #dbeafe;
  border-radius: 10px;
  padding: 20px 24px;
  margin-bottom: 2.25rem;
}
.edu-formula-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #1e40af;
  margin-bottom: 8px;
}
.edu-formula-box code {
  display: block;
  font-size: 13px;
  font-family: 'Inter', monospace;
  color: #1e3a5f;
  font-weight: 600;
  line-height: 1.8;
  white-space: pre-wrap;
  word-break: break-word;
}
.edu-formula-note {
  font-size: 12px;
  color: #64748b;
  margin-top: 10px;
  line-height: 1.55;
  font-style: italic;
}

/* ---- Callout Box ---- */
.edu-callout {
  background: #fffbeb;
  border: 1.5px solid #fde68a;
  border-radius: 10px;
  padding: 16px 20px;
  margin-bottom: 2.25rem;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.edu-callout-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: #fef3c7;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  color: #92400e;
}
.edu-callout-text {
  font-size: 0.85rem;
  color: #78350f;
  line-height: 1.65;
}
.edu-callout-text strong { color: #92400e; }

/* ============================================================
   RESPONSIVE — EDUCATIONAL SECTION
   ============================================================ */
@media (max-width: 900px) {
  .edu-stat-bar { grid-template-columns: repeat(2, 1fr); }
  .edu-terms-grid { grid-template-columns: 1fr; }
  .edu-use-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .edu-stat-bar { grid-template-columns: 1fr 1fr; gap: 8px; }
  .edu-stat-card { padding: 12px 10px; }
  .edu-stat-value { font-size: 1.15rem; }
  .edu-stat-label { font-size: 10px; }
  .edu-definition { padding: 1.25rem; }
  .edu-definition::after { display: none; }
  .edu-definition h3 { font-size: 1.05rem; }
  .edu-definition p { font-size: 0.85rem; }
  .edu-term-card { padding: 14px 16px; }
  .edu-term-name { font-size: 0.84rem; }
  .edu-term-desc { font-size: 0.8rem; }
  .edu-compare-table { font-size: 11.5px; display: block; overflow-x: auto; }
  .edu-compare-table thead th,
  .edu-compare-table tbody td { padding: 8px 10px; white-space: nowrap; }
  .edu-formula-box { padding: 14px 16px; }
  .edu-formula-box code { font-size: 11.5px; }
  .edu-use-card { padding: 14px 16px; }
  .edu-callout { flex-direction: column; gap: 8px; padding: 14px 16px; }
}
@media (max-width: 420px) {
  .edu-stat-bar { grid-template-columns: 1fr; }
  .edu-stat-card { display: flex; align-items: center; gap: 12px; text-align: left; padding: 12px 14px; }
  .edu-stat-value { font-size: 1.1rem; flex-shrink: 0; }
  .edu-stat-label { font-size: 10.5px; margin-top: 0; }
  .edu-stat-source { display: none; }
}
/* ============================================================
   EXAMPLES SECTION
   ============================================================ */
.ex-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.ex-container { max-width: 1100px; margin-inline: auto; }

.ex-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.ex-section h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.ex-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2.25rem;
}

/* ---- Example Card ---- */
.ex-cards { display: flex; flex-direction: column; gap: 24px; }

.ex-card {
  background: #fff;
  border: 1.5px solid #E0E4E8;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 1px 3px rgba(0,0,0,.05);
  transition: box-shadow 180ms ease, transform 180ms ease;
}
.ex-card:hover {
  box-shadow: 0 6px 20px rgba(0,40,104,.08);
  transform: translateY(-2px);
}

/* Card header bar */
.ex-card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 22px;
  border-bottom: 1px solid #f1f5f9;
}
.ex-card-header.w2     { background: linear-gradient(135deg, #002868, #003d8f); }
.ex-card-header.free   { background: linear-gradient(135deg, #7c3aed, #5b21b6); }
.ex-card-header.biz    { background: linear-gradient(135deg, #0f766e, #065f46); }

.ex-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255,255,255,.18);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.ex-person-info { flex: 1; min-width: 0; }
.ex-person-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
}
.ex-person-title {
  font-size: 12px;
  color: rgba(255,255,255,.75);
  margin-top: 2px;
}
.ex-mode-tag {
  background: rgba(255,255,255,.18);
  color: #fff;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 9999px;
  white-space: nowrap;
  flex-shrink: 0;
}

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

/* Profile row */
.ex-profile-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 18px;
}
.ex-profile-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: #4a5568;
}
.ex-profile-item i {
  font-size: 13px;
  color: #002868;
  width: 16px;
  text-align: center;
  flex-shrink: 0;
}
.ex-profile-item strong { color: #1a1f2e; font-weight: 700; }

/* Expenses breakdown mini-table */
.ex-expenses {
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 16px;
}
.ex-expenses-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #002868;
  margin-bottom: 8px;
}
.ex-expense-row {
  display: flex;
  justify-content: space-between;
  padding: 3px 0;
  font-size: 12.5px;
  color: #4a5568;
  border-bottom: 1px solid #f1f5f9;
}
.ex-expense-row:last-child { border-bottom: none; }
.ex-expense-row span:last-child {
  font-weight: 700;
  color: #1a1f2e;
  font-variant-numeric: tabular-nums;
}
.ex-expense-total {
  display: flex;
  justify-content: space-between;
  padding: 8px 0 0;
  margin-top: 4px;
  border-top: 2px solid #002868;
  font-size: 13px;
  font-weight: 800;
  color: #002868;
  font-family: 'Montserrat', sans-serif;
}

/* Risk summary */
.ex-risk-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 16px;
}
.ex-risk-item {
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  border-radius: 8px;
  padding: 10px;
  text-align: center;
}
.ex-risk-label {
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: #5F6368;
  margin-bottom: 2px;
  font-family: 'Montserrat', sans-serif;
}
.ex-risk-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 900;
  color: #002868;
}

/* Fund breakdown */
.ex-fund-breakdown {
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 16px;
}
.ex-fund-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #002868;
  margin-bottom: 8px;
}
.ex-fund-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  font-size: 12.5px;
  color: #4a5568;
  border-bottom: 1px solid #f1f5f9;
}
.ex-fund-row:last-child { border-bottom: none; }
.ex-fund-row span:last-child {
  font-weight: 700;
  color: #1a1f2e;
  font-variant-numeric: tabular-nums;
}
.ex-fund-row .ex-na {
  color: #d1d5db;
  font-weight: 500;
  font-style: italic;
}
.ex-fund-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0 0;
  margin-top: 6px;
  border-top: 2px solid #002868;
}
.ex-fund-total span:first-child {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: #002868;
}
.ex-fund-total span:last-child {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 900;
  color: #002868;
}

/* Result footer bar */
.ex-result-bar {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 8px;
  margin-top: 4px;
}
.ex-result-item {
  border-radius: 8px;
  padding: 12px 10px;
  text-align: center;
}
.ex-result-item.conservative { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.ex-result-item.recommended  { background: #002868; border: 1.5px solid #002868; }
.ex-result-item.aggressive   { background: #fef3c7; border: 1.5px solid #fde68a; }

.ex-result-label {
  font-size: 9px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 3px;
  font-family: 'Montserrat', sans-serif;
}
.ex-result-item.conservative .ex-result-label { color: #166534; }
.ex-result-item.recommended .ex-result-label  { color: rgba(255,255,255,.65); }
.ex-result-item.aggressive .ex-result-label   { color: #92400e; }

.ex-result-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 900;
  font-variant-numeric: tabular-nums;
}
.ex-result-item.conservative .ex-result-val { color: #00875A; }
.ex-result-item.recommended .ex-result-val  { color: #fff; }
.ex-result-item.aggressive .ex-result-val   { color: #92400e; }

.ex-result-months {
  font-size: 10px;
  margin-top: 1px;
}
.ex-result-item.conservative .ex-result-months { color: #4ade80; }
.ex-result-item.recommended .ex-result-months  { color: rgba(255,255,255,.55); }
.ex-result-item.aggressive .ex-result-months   { color: #b45309; }

/* Savings timeline mini */
.ex-timeline {
  background: #f0f4fb;
  border: 1.5px solid #dbeafe;
  border-radius: 8px;
  padding: 12px 16px;
  margin-top: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.ex-timeline-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: #dbeafe;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: #1e40af;
}
.ex-timeline-text {
  font-size: 12.5px;
  color: #1e3a5f;
  line-height: 1.55;
}
.ex-timeline-text strong { color: #002868; }

/* ---- Key Takeaway ---- */
.ex-takeaway {
  background: linear-gradient(135deg, #002868 0%, #001a45 100%);
  border-radius: 12px;
  padding: clamp(1.25rem, 3vw, 2rem);
  color: #fff;
  margin-top: 28px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.ex-takeaway-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}
.ex-takeaway-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  margin-bottom: 4px;
}
.ex-takeaway-text {
  font-size: 0.88rem;
  color: rgba(255,255,255,.9);
  line-height: 1.7;
}
.ex-takeaway-text strong { color: #fff; }

/* ============================================================
   RESPONSIVE — EXAMPLES SECTION
   ============================================================ */
@media (max-width: 768px) {
  .ex-card-header { padding: 14px 16px; gap: 10px; }
  .ex-card-body { padding: 16px; }
  .ex-profile-row { grid-template-columns: 1fr; gap: 6px; }
  .ex-risk-row { grid-template-columns: 1fr 1fr 1fr; }
  .ex-result-bar { grid-template-columns: 1fr 1fr 1fr; }
  .ex-result-val { font-size: 13px; }
  .ex-fund-total span:last-child { font-size: 16px; }
}
@media (max-width: 520px) {
  .ex-card-header {
    flex-wrap: wrap;
    padding: 12px 14px;
  }
  .ex-mode-tag { order: 3; margin-top: 2px; }
  .ex-avatar { width: 38px; height: 38px; font-size: 17px; }
  .ex-person-name { font-size: 0.88rem; }
  .ex-card-body { padding: 14px; }
  .ex-expenses { padding: 12px; }
  .ex-expense-row { font-size: 11.5px; }
  .ex-fund-breakdown { padding: 12px; }
  .ex-fund-row { font-size: 11.5px; }
  .ex-risk-row { grid-template-columns: 1fr; gap: 6px; }
  .ex-result-bar { grid-template-columns: 1fr; gap: 6px; }
  .ex-result-item { display: flex; align-items: center; justify-content: space-between; text-align: left; padding: 10px 14px; }
  .ex-result-label { margin-bottom: 0; }
  .ex-result-months { display: none; }
  .ex-timeline { flex-direction: column; gap: 8px; text-align: center; }
  .ex-takeaway { flex-direction: column; gap: 10px; }
}
/* ============================================================
   PRO TIPS SECTION
   ============================================================ */
.tips-section {
  background: #fff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.tips-container { max-width: 1100px; margin-inline: auto; }

.tips-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.tips-section > .tips-container > h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.tips-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2.25rem;
}

/* ---- Tip Cards ---- */
.tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.tip-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 12px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: box-shadow 220ms ease, transform 220ms ease;
  position: relative;
  overflow: hidden;
}
.tip-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,.09);
  transform: translateY(-2px);
}

/* Featured card spans full width */
.tip-card.featured {
  grid-column: 1 / -1;
  background: linear-gradient(135deg, #002868 0%, #001a45 100%);
  border-color: #002868;
  color: #fff;
}

/* Tip number badge */
.tip-number {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  color: #002868;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 900;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.tip-card.featured .tip-number {
  background: rgba(255,255,255,.12);
  color: rgba(255,255,255,.5);
}

/* Icon */
.tip-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  margin-bottom: 14px;
  flex-shrink: 0;
}
.tip-icon.navy   { background: #e8eef8; color: #002868; }
.tip-icon.green  { background: #e6f7ef; color: #00875A; }
.tip-icon.amber  { background: #fef3c7; color: #92400e; }
.tip-icon.blue   { background: #dbeafe; color: #1e40af; }
.tip-icon.red    { background: #fce8ec; color: #BF0A30; }
.tip-card.featured .tip-icon {
  background: rgba(255,255,255,.12);
  color: #fff;
}

/* Tip title */
.tip-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: #002868;
  line-height: 1.3;
  margin-bottom: 8px;
  padding-right: 36px;
}
.tip-card.featured .tip-title { color: #fff; }

/* Tip body */
.tip-body {
  font-size: 0.85rem;
  color: #4a5568;
  line-height: 1.72;
  flex: 1;
}
.tip-body strong { color: #002868; font-weight: 700; }
.tip-card.featured .tip-body { color: rgba(255,255,255,.88); }
.tip-card.featured .tip-body strong { color: #fff; }

/* Inline stat highlight */
.tip-stat {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: rgba(0,40,104,.06);
  border: 1px solid rgba(0,40,104,.1);
  padding: 2px 9px;
  border-radius: 6px;
  font-size: 12px;
  font-weight: 700;
  color: #002868;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.tip-card.featured .tip-stat {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.2);
  color: #fff;
}

/* Action box inside tip */
.tip-action {
  margin-top: 14px;
  background: rgba(0,40,104,.04);
  border: 1px solid rgba(0,40,104,.08);
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 12.5px;
  line-height: 1.6;
  color: #374151;
}
.tip-action strong { color: #002868; }
.tip-card.featured .tip-action {
  background: rgba(255,255,255,.08);
  border-color: rgba(255,255,255,.15);
  color: rgba(255,255,255,.85);
}
.tip-card.featured .tip-action strong { color: #fff; }

.tip-action-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #00875A;
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.tip-card.featured .tip-action-label { color: rgba(255,255,255,.55); }

/* Mini comparison row inside tip */
.tip-compare {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 8px;
  align-items: center;
  margin-top: 14px;
}
.tip-compare-card {
  background: rgba(0,40,104,.04);
  border: 1px solid rgba(0,40,104,.08);
  border-radius: 8px;
  padding: 10px;
  text-align: center;
}
.tip-compare-card.better {
  background: #ecfdf5;
  border-color: #a7f3d0;
}
.tip-card.featured .tip-compare-card {
  background: rgba(255,255,255,.08);
  border-color: rgba(255,255,255,.15);
}
.tip-card.featured .tip-compare-card.better {
  background: rgba(0,135,90,.2);
  border-color: rgba(0,135,90,.35);
}
.tip-compare-label {
  font-size: 9px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #5F6368;
  margin-bottom: 2px;
  font-family: 'Montserrat', sans-serif;
}
.tip-card.featured .tip-compare-label { color: rgba(255,255,255,.5); }
.tip-compare-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 900;
  color: #002868;
  font-variant-numeric: tabular-nums;
}
.tip-compare-card.better .tip-compare-val { color: #00875A; }
.tip-card.featured .tip-compare-val { color: rgba(255,255,255,.85); }
.tip-card.featured .tip-compare-card.better .tip-compare-val { color: #4ade80; }
.tip-compare-desc {
  font-size: 10px;
  color: #5F6368;
  margin-top: 1px;
}
.tip-card.featured .tip-compare-desc { color: rgba(255,255,255,.45); }
.tip-compare-arrow {
  font-size: 16px;
  color: #d1d5db;
  font-weight: 700;
}
.tip-card.featured .tip-compare-arrow { color: rgba(255,255,255,.25); }

/* Steps list inside tip */
.tip-steps {
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.tip-steps li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 12.5px;
  color: #374151;
  line-height: 1.55;
}
.tip-card.featured .tip-steps li { color: rgba(255,255,255,.85); }
.tip-step-num {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  background: rgba(0,40,104,.08);
  color: #002868;
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 900;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}
.tip-card.featured .tip-step-num {
  background: rgba(255,255,255,.12);
  color: rgba(255,255,255,.7);
}

/* ============================================================
   RESPONSIVE — TIPS SECTION
   ============================================================ */
@media (max-width: 900px) {
  .tips-grid { grid-template-columns: 1fr; }
  .tip-card.featured { grid-column: 1; }
}
@media (max-width: 520px) {
  .tip-card { padding: 18px 16px; }
  .tip-title { font-size: 0.88rem; padding-right: 32px; }
  .tip-body { font-size: 0.82rem; }
  .tip-icon { width: 36px; height: 36px; font-size: 16px; margin-bottom: 12px; }
  .tip-number { width: 24px; height: 24px; font-size: 10px; top: 14px; right: 14px; }
  .tip-action { padding: 10px 12px; font-size: 12px; }
  .tip-compare { grid-template-columns: 1fr; gap: 6px; }
  .tip-compare-arrow { transform: rotate(90deg); text-align: center; }
  .tip-steps li { font-size: 12px; }
}
/* ============================================================
   FAQ SECTION — 30+ QUESTIONS
   ============================================================ */
.faq-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.faq-container { max-width: 1100px; margin-inline: auto; }

.faq-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.faq-section > .faq-container > h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.faq-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2rem;
}

/* Category label */
.faq-category {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 2rem 0 0.85rem;
}
.faq-category:first-of-type { margin-top: 0; }
.faq-cat-line { flex: 1; height: 1px; background: #d1d5db; }
.faq-cat-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #002868;
  background: #dbeafe;
  padding: 3px 14px;
  border-radius: 9999px;
  white-space: nowrap;
}

/* Accordion items */
.faq-item {
  background: #fff;
  border: 1.5px solid #E0E4E8;
  border-radius: 10px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 180ms ease;
}
.faq-item:hover { box-shadow: 0 2px 8px rgba(0,40,104,.06); }
.faq-item.active { border-color: #002868; }

.faq-q {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  padding: 14px 18px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: #1a1f2e;
  line-height: 1.4;
  transition: color 150ms ease;
}
.faq-q:hover { color: #002868; }
.faq-item.active .faq-q { color: #002868; }

.faq-q-num {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  background: #F7F9FC;
  color: #002868;
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 900;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.faq-item.active .faq-q-num { background: #002868; color: #fff; }

.faq-q-text { flex: 1; }

.faq-q-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #9ca3af;
  transition: transform 300ms ease, color 200ms ease;
}
.faq-item.active .faq-q-icon {
  transform: rotate(180deg);
  color: #002868;
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 350ms cubic-bezier(0.4,0,0.2,1), padding 200ms ease;
  padding: 0 18px 0 54px;
}
.faq-item.active .faq-a {
  max-height: 600px;
  padding: 0 18px 16px 54px;
}
.faq-a p {
  font-size: 0.84rem;
  color: #4a5568;
  line-height: 1.72;
  margin-bottom: 8px;
}
.faq-a p:last-child { margin-bottom: 0; }
.faq-a p strong { color: #002868; font-weight: 700; }
.faq-a ul {
  padding-left: 18px;
  margin: 6px 0 8px;
}
.faq-a ul li {
  font-size: 0.82rem;
  color: #4a5568;
  line-height: 1.65;
  margin-bottom: 4px;
}
.faq-a ul li strong { color: #002868; }

/* ============================================================
   RESPONSIVE — FAQ SECTION
   ============================================================ */
@media (max-width: 768px) {
  .faq-q { padding: 12px 14px; font-size: 0.84rem; gap: 10px; }
  .faq-a { padding-left: 46px; }
  .faq-item.active .faq-a { padding-left: 46px; }
}
@media (max-width: 480px) {
  .faq-q { padding: 11px 12px; font-size: 0.82rem; gap: 8px; }
  .faq-q-num { width: 22px; height: 22px; font-size: 9px; }
  .faq-a, .faq-item.active .faq-a { padding-left: 42px; padding-right: 12px; }
  .faq-a p { font-size: 0.8rem; }
  .faq-a ul li { font-size: 0.79rem; }
  .faq-cat-tag { font-size: 9px; padding: 2px 10px; }
}
/* ============================================================
   RELATED CALCULATORS SECTION
   ============================================================ */
.related-section {
  background: #fff;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.related-container { max-width: 1100px; margin-inline: auto; }

.related-eyebrow {
  display: inline-block;
  background: #e8f4f5;
  color: #00875A;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 0.3rem 0.9rem;
  border-radius: 9999px;
  border: 1px solid #c3e6cb;
  margin-bottom: 0.85rem;
}
.related-section > .related-container > h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.related-intro {
  font-size: 1rem;
  color: #4a5568;
  max-width: 72ch;
  line-height: 1.7;
  margin-bottom: 2.25rem;
}

/* ---- Category Row ---- */
.related-cat {
  margin-bottom: 2rem;
}
.related-cat:last-child { margin-bottom: 0; }

.related-cat-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.related-cat-icon {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}
.related-cat-icon.navy   { background: #e8eef8; color: #002868; }
.related-cat-icon.green  { background: #e6f7ef; color: #00875A; }
.related-cat-icon.amber  { background: #fef3c7; color: #92400e; }
.related-cat-icon.blue   { background: #dbeafe; color: #1e40af; }
.related-cat-icon.red    { background: #fce8ec; color: #BF0A30; }
.related-cat-icon.purple { background: #ede9fe; color: #6d28d9; }

.related-cat-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #002868;
}

/* ---- Calculator Cards ---- */
.related-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.related-card {
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 10px;
  padding: 16px 18px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 200ms ease, transform 200ms ease, border-color 200ms ease;
  position: relative;
  overflow: hidden;
}
.related-card:hover {
  box-shadow: 0 4px 18px rgba(0,40,104,.1);
  transform: translateY(-2px);
  border-color: #002868;
}
.related-card:active {
  transform: translateY(0);
  box-shadow: 0 2px 8px rgba(0,40,104,.08);
}

/* Primary recommended card */
.related-card.primary {
  background: linear-gradient(135deg, #002868 0%, #001a45 100%);
  border-color: #002868;
  color: #fff;
}
.related-card.primary:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,.2);
  border-color: #3b82f6;
}

/* Card top row: emoji + badge */
.related-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 4px;
}
.related-card-emoji {
  font-size: 22px;
  line-height: 1;
}
.related-card-badge {
  font-family: 'Montserrat', sans-serif;
  font-size: 8.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 2px 8px;
  border-radius: 9999px;
  white-space: nowrap;
}
.related-card-badge.rec {
  background: rgba(0,135,90,.12);
  color: #00875A;
}
.related-card-badge.pop {
  background: rgba(0,40,104,.08);
  color: #002868;
}
.related-card-badge.new {
  background: rgba(191,10,48,.1);
  color: #BF0A30;
}
.related-card.primary .related-card-badge.rec {
  background: rgba(74,222,128,.15);
  color: #4ade80;
}

/* Card title */
.related-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #002868;
  line-height: 1.3;
}
.related-card.primary .related-card-title { color: #fff; }

/* Card description */
.related-card-desc {
  font-size: 0.76rem;
  color: #5F6368;
  line-height: 1.6;
  flex: 1;
}
.related-card.primary .related-card-desc { color: rgba(255,255,255,.75); }

/* Card footer link */
.related-card-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 700;
  color: #002868;
  margin-top: 4px;
  transition: gap 200ms ease;
}
.related-card:hover .related-card-link { gap: 8px; }
.related-card.primary .related-card-link { color: rgba(255,255,255,.7); }
.related-card.primary:hover .related-card-link { color: #fff; }

/* ---- Browse All CTA ---- */
.related-browse {
  margin-top: 2rem;
  text-align: center;
}
.related-browse-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  background: #002868;
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: background 200ms ease, box-shadow 200ms ease, transform 150ms ease;
}
.related-browse-btn:hover {
  background: #001a45;
  box-shadow: 0 4px 14px rgba(0,40,104,.18);
  transform: translateY(-1px);
}
.related-browse-btn:active { transform: translateY(0); }
.related-browse-count {
  background: rgba(255,255,255,.15);
  padding: 2px 10px;
  border-radius: 9999px;
  font-size: 10px;
  font-weight: 800;
}

/* ============================================================
   RESPONSIVE — RELATED CALCULATORS
   ============================================================ */
@media (max-width: 900px) {
  .related-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .related-cards { grid-template-columns: 1fr; }
  .related-card { padding: 14px 15px; }
  .related-card-title { font-size: 0.8rem; }
  .related-card-desc { font-size: 0.74rem; }
  .related-card-emoji { font-size: 20px; }
  .related-browse-btn { width: 100%; justify-content: center; font-size: 0.8rem; padding: 12px 20px; }
}
/* ============================================================
   DISCLAIMER & EDITORIAL TRANSPARENCY SECTION
   ============================================================ */
.disclaimer-section {
  background: #f7f8fa;
  border-top: 3px solid #e8eaf0;
  padding: clamp(2.5rem, 6vw, 4.5rem) clamp(1rem, 4vw, 2rem);
  font-family: 'Inter', sans-serif;
  color: #1a1f2e;
}
.disclaimer-container { max-width: 1100px; margin-inline: auto; }

.disclaimer-section > .disclaimer-container > h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.3rem, 2.5vw, 1.75rem);
  font-weight: 800;
  color: #002868;
  line-height: 1.2;
  margin-bottom: 1.75rem;
  display: flex;
  align-items: center;
  gap: 10px;
}
.disclaimer-title-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  background: #e8eef8;
  color: #002868;
  border-radius: 8px;
  font-size: 16px;
  flex-shrink: 0;
}

/* ---- Two-column grid ---- */
.disclaimer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 1.75rem;
}

/* ---- Block card ---- */
.disclaimer-block {
  background: #fff;
  border: 1.5px solid #E0E4E8;
  border-radius: 10px;
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.disclaimer-block.full-span {
  grid-column: 1 / -1;
}

.disclaimer-block-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.disclaimer-block-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.disclaimer-block-icon.red    { background: #fce8ec; color: #BF0A30; }
.disclaimer-block-icon.navy   { background: #e8eef8; color: #002868; }
.disclaimer-block-icon.green  { background: #e6f7ef; color: #00875A; }
.disclaimer-block-icon.amber  { background: #fef3c7; color: #92400e; }
.disclaimer-block-icon.blue   { background: #dbeafe; color: #1e40af; }

.disclaimer-block-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.disclaimer-block p {
  font-size: 0.8rem;
  color: #4a5568;
  line-height: 1.72;
  margin-bottom: 8px;
}
.disclaimer-block p:last-child { margin-bottom: 0; }
.disclaimer-block p strong { color: #1a1f2e; font-weight: 700; }

.disclaimer-block ul {
  padding-left: 18px;
  margin: 4px 0 10px;
}
.disclaimer-block ul li {
  font-size: 0.79rem;
  color: #4a5568;
  line-height: 1.65;
  margin-bottom: 3px;
}
.disclaimer-block ul li strong { color: #1a1f2e; }

/* ---- Gov Links Grid ---- */
.gov-links-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 12px;
}
.gov-link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  background: #F7F9FC;
  border: 1.5px solid #E0E4E8;
  border-radius: 8px;
  text-decoration: none;
  color: inherit;
  transition: border-color 180ms ease, box-shadow 180ms ease, transform 150ms ease;
}
.gov-link:hover {
  border-color: #002868;
  box-shadow: 0 3px 12px rgba(0,40,104,.08);
  transform: translateY(-1px);
}
.gov-link:active { transform: translateY(0); }

.gov-link-shield {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
  flex-shrink: 0;
  font-weight: 800;
  font-family: 'Montserrat', sans-serif;
}
.gov-link-shield.cfpb   { background: #e6f7ef; color: #00875A; }
.gov-link-shield.fdic   { background: #e8eef8; color: #002868; }
.gov-link-shield.irs    { background: #fce8ec; color: #BF0A30; }
.gov-link-shield.bls    { background: #dbeafe; color: #1e40af; }
.gov-link-shield.sec    { background: #fef3c7; color: #92400e; }
.gov-link-shield.treas  { background: #ede9fe; color: #6d28d9; }

.gov-link-body { flex: 1; min-width: 0; }
.gov-link-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: #002868;
  line-height: 1.3;
  margin-bottom: 1px;
}
.gov-link-desc {
  font-size: 10.5px;
  color: #5F6368;
  line-height: 1.45;
}
.gov-link-ext {
  flex-shrink: 0;
  font-size: 10px;
  color: #9ca3af;
  transition: color 180ms ease;
}
.gov-link:hover .gov-link-ext { color: #002868; }

/* ---- Last updated note ---- */
.disclaimer-updated {
  text-align: center;
  font-size: 0.72rem;
  color: #9ca3af;
  margin-top: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

/* ============================================================
   RESPONSIVE — DISCLAIMER SECTION
   ============================================================ */
@media (max-width: 900px) {
  .disclaimer-grid { grid-template-columns: 1fr; }
  .disclaimer-block.full-span { grid-column: 1; }
  .gov-links-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .disclaimer-block { padding: 18px 16px; }
  .disclaimer-block p { font-size: 0.78rem; }
  .disclaimer-block ul li { font-size: 0.77rem; }
  .gov-links-grid { grid-template-columns: 1fr; }
  .gov-link { padding: 10px 12px; }
  .gov-link-name { font-size: 10.5px; }
  .gov-link-desc { font-size: 10px; }
  .disclaimer-section > .disclaimer-container > h2 { font-size: clamp(1.15rem, 2.5vw, 1.5rem); }
  .disclaimer-title-icon { width: 32px; height: 32px; font-size: 14px; }
}