:root{
  --navy:#002868;--navy-d:#001a45;--navy-l:#003a8c;--navy-xl:#e8ecf7;
  --red:#BF0A30;--red-l:#ffeaea;
  --green:#00875A;--green-l:#e6f5f0;
  --amber:#D97706;--amber-l:#fef3c7;
  --purple:#7c3aed;--purple-l:#ede9fe;
  --g50:#f8fafc;--g100:#f1f5f9;--g200:#e2e8f0;--g300:#cbd5e1;
  --g400:#94a3b8;--g500:#64748b;--g600:#475569;--g700:#334155;--g900:#0f172a;
  --r:10px;--rl:16px;
  --sh:0 1px 4px rgba(0,40,104,.07),0 4px 16px rgba(0,40,104,.06);
}
*{box-sizing:border-box;margin:0;padding:0}

/* Strict Mobile Lock */
html, body {
  overflow-x: hidden;
  width: 100%;
  max-width: 100vw;
  scroll-behavior: smooth;
  font-family: 'DM Sans', sans-serif;
  background: var(--g50);
  color: var(--g900);
  font-size: 14px;
  line-height: 1.6;
  -webkit-text-size-adjust: 100%;
}

h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}

/* HEADER */
.hdr{background:var(--navy-d);position:relative;overflow:hidden;padding:46px 20px 38px;text-align:center}
.hdr-bg{position:absolute;inset:0;background:
  radial-gradient(ellipse 70% 55% at 10% 50%,rgba(0,58,140,.6) 0%,transparent 60%),
  radial-gradient(ellipse 50% 65% at 90% 35%,rgba(191,10,48,.15) 0%,transparent 55%),
  linear-gradient(150deg,#001a45 0%,#002868 55%,#003580 100%);z-index:0}
.hdr-dots{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:26px 26px;z-index:1}
.hdr-inner{position:relative;z-index:2}
.hdr .brand{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:12px}

/* Forced White H1 for WP Themes */
.hdr h1{font-size:clamp(20px,4vw,38px);font-weight:900;color:#ffffff !important;letter-spacing:-1px;line-height:1.1;margin-bottom:11px}

.hdr h1 em{font-style:normal;color:#f87171}
.hdr .sub{color:rgba(255,255,255,.58);font-size:13px;max-width:620px;margin:0 auto 20px}
.pill-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center}
.pill{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:100px;padding:4px 12px;font-size:11px;font-weight:600;color:rgba(255,255,255,.72);font-family:'Montserrat',sans-serif}
.pill.hi{background:rgba(0,135,90,.2);border-color:rgba(0,135,90,.35);color:#6ee7b7}

/* LAYOUT */
.wrap{max-width:1100px;margin:0 auto;padding:26px 16px 90px}
.card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:22px;margin-bottom:18px;border:1px solid var(--g200)}
.sec-ttl{display:flex;align-items:center;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.sec-ttl .ico{width:32px;height:32px;border-radius:8px;background:var(--navy-xl);display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
.sec-ttl h2{font-size:14px;font-weight:700;color:var(--navy);flex:1;min-width:0}
.sec-ttl .opt{font-size:10px;font-weight:400;color:var(--g400);margin-left:2px;white-space:nowrap}

/* INPUTS */
.igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:13px}
.fg{display:flex;flex-direction:column;gap:4px}
.fg label{font-size:11px;font-weight:700;color:var(--g600);display:flex;align-items:center;gap:5px;text-transform:uppercase;letter-spacing:.4px}
.irow{display:flex;align-items:center;border:1.5px solid var(--g200);border-radius:8px;overflow:hidden;background:#fff;transition:border-color .15s;min-width:0;width:100%}
.irow:focus-within{border-color:var(--navy)}
.ipfx,.isfx{padding:0 10px;background:var(--g100);color:var(--g500);font-size:12px;font-weight:700;height:40px;display:flex;align-items:center;flex-shrink:0;border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif;white-space:nowrap}
.isfx{border-right:none;border-left:1px solid var(--g200)}
.fg input,.fg select{flex:1;border:none;outline:none;padding:0 10px;font-family:'DM Sans',sans-serif;font-size:14px;height:40px;background:transparent;color:var(--g900);width:100%;min-width:0}
.fg select{cursor:pointer}
.hint{font-size:10px;color:var(--g400);line-height:1.3;margin-top:2px}

/* TOOLTIP */
.tip{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;background:var(--g200);border-radius:50%;font-size:8px;font-weight:700;color:var(--g500);cursor:help;position:relative;flex-shrink:0}
.tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100% + 6px);left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;min-width:180px;max-width:240px;z-index:99;line-height:1.4;text-align:center;white-space:normal;pointer-events:none;font-family:'DM Sans',sans-serif}

/* TOGGLE */
.tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px;width:100%}
.tgb{flex:1 1 0;padding:8px 6px;border:none;background:transparent;border-radius:6px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;color:var(--g500);transition:all .15s;white-space:normal;line-height:1.3;letter-spacing:.2px;min-width:0;min-height:44px;text-align:center}
.tgb.on{background:var(--navy);color:#fff;box-shadow:0 1px 6px rgba(0,40,104,.22)}

/* ROLE CARDS */
.role-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:9px}
.role-card{border:2px solid var(--g200);border-radius:var(--r);padding:12px 10px;text-align:center;cursor:pointer;transition:all .15s;background:#fff}
.role-card:hover{border-color:var(--navy);background:var(--navy-xl)}
.role-card.on{border-color:var(--navy);background:var(--navy);color:#fff}
.role-card .ri{font-size:20px;display:block;margin-bottom:5px}
.role-card .rl{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;line-height:1.3}
.role-card .rm{font-size:9px;opacity:.65;margin-top:2px}

/* TABLE WRAPPER */
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}

/* STBL */
.stbl{width:100%;border-collapse:collapse;font-size:12px;min-width:480px}
.stbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:9px 12px;text-align:left;border:1px solid var(--g200)}
.stbl td{padding:9px 12px;border:1px solid var(--g200);vertical-align:middle}
.stbl tr:nth-child(even) td{background:var(--g50)}
.stbl tr.hl td{background:var(--navy-xl);font-weight:700}
.stbl tr.sub td{background:#fffbeb;font-style:italic;font-size:11px;color:var(--g600)}

/* CALC BTN */
.calc-btn{width:100%;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 45%,var(--navy-l) 100%);color:#fff;border:none;border-radius:var(--r);padding:15px 20px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;cursor:pointer;letter-spacing:.3px;transition:transform .15s,box-shadow .15s;margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;min-height:52px;white-space:normal;line-height:1.3}
.calc-btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,40,104,.28)}

/* RESULTS */
.res{display:none}.res.on{display:block}

/* HERO BAND */
.hero-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,#1a4fc4 100%);border-radius:var(--rl);padding:26px;color:#fff;margin-bottom:18px;display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:18px;align-items:center}
.hm .hl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:rgba(255,255,255,.45);margin-bottom:5px;font-family:'Montserrat',sans-serif}
.hm .hv{font-family:'Montserrat',sans-serif;font-size:clamp(19px,3vw,28px);font-weight:900;line-height:1}
.hm .hs{font-size:11px;color:rgba(255,255,255,.42);margin-top:4px}
.hm-sep{width:1px;background:rgba(255,255,255,.1);min-height:50px;align-self:stretch}

/* METRIC CARDS - FIX: !important to force color overrides */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:11px;margin-bottom:18px}
.mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:15px;position:relative !important;overflow:hidden}
.mc::after{content:'';position:absolute !important;top:0 !important;left:0 !important;right:0 !important;height:4px !important}
.mc.g::after{background:var(--green) !important}.mc.a::after{background:var(--amber) !important}.mc.r::after{background:var(--red) !important}.mc.n::after{background:var(--navy) !important}.mc.p::after{background:var(--purple) !important}
.mc .ml{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g400);margin-bottom:4px;font-family:'Montserrat',sans-serif}
.mc .mv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--g900)}
.mc .ms{font-size:11px;color:var(--g500);margin-top:3px}

/* VERDICT */
.vb{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:100px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif}
.vg{background:var(--green-l);color:var(--green)}.va{background:var(--amber-l);color:#92400e}.vr{background:var(--red-l);color:var(--red)}.vp{background:var(--purple-l);color:var(--purple)}.vn{background:var(--navy-xl);color:var(--navy)}

/* ALERT */
.alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;display:flex;gap:8px;align-items:flex-start;line-height:1.5;border:1px solid}
.alrt.warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.alrt.dng{background:var(--red-l);color:var(--red);border-color:var(--red)}
.alrt.info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}
.alrt.ok{background:var(--green-l);color:#065f46;border-color:var(--green)}
.alrt.pur{background:var(--purple-l);color:var(--purple);border-color:rgba(124,58,237,.25)}

/* TABS */
.tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:20px;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.tabs::-webkit-scrollbar{display:none}
.tab-b{padding:9px 12px;border:none;background:transparent;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .15s;letter-spacing:.2px;flex-shrink:0;min-height:40px}
.tab-b.on{color:var(--navy);border-bottom-color:var(--navy)}
.tp{display:none}.tp.on{display:block}

/* CHART */
.chrt{position:relative;height:240px;margin-top:14px}
.chrt-sm{position:relative;height:200px;margin-top:12px}

/* COST BAR */
.cost-bar-wrap{margin-top:14px}
.cost-bar-row{margin-bottom:10px}
.cost-bar-label{display:flex;justify-content:space-between;font-size:11px;margin-bottom:3px}
.cost-bar-label span:first-child{font-weight:600;color:var(--g700)}
.cost-bar-label span:last-child{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}
.cost-bar-track{height:10px;background:var(--g100);border-radius:100px;overflow:hidden}
.cost-bar-fill{height:100%;border-radius:100px;transition:width .5s ease}

/* ROI BOX */
.roi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-top:14px}
.roi-box{border-radius:var(--r);padding:16px;text-align:center;border:1.5px solid var(--g200);background:#fff}
.roi-box.hi{border-color:var(--green);background:var(--green-l)}
.roi-box .rl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--g400);margin-bottom:6px;font-family:'Montserrat',sans-serif}
.roi-box .rv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--g900)}
.roi-box.hi .rv{color:var(--green)}

/* EXPORT BTNS */
.ebtns{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.ebtn{flex:1;min-width:130px;padding:12px 14px;border-radius:var(--r);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:all .15s;border:2px solid;display:flex;align-items:center;justify-content:center;gap:7px;letter-spacing:.2px;min-height:44px;white-space:nowrap}
.ebtn.prim{border-color:var(--navy);background:var(--navy);color:#fff}
.ebtn.prim:hover{background:var(--navy-l)}
.ebtn.wa{border-color:#25D366;background:#fff;color:#25D366}
.ebtn.wa:hover{background:#25D366;color:#fff}
.ebtn.sec{border-color:var(--navy);background:#fff;color:var(--navy)}
.ebtn.sec:hover{background:var(--navy);color:#fff}
.ebtn.rst{border-color:var(--red);background:#fff;color:var(--red)}
.ebtn.rst:hover{background:var(--red);color:#fff}

hr{border:none;border-top:1px solid var(--g200);margin:18px 0}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}

  .etc-transparency-section {
    background: linear-gradient(135deg, #001d4e 0%, #002868 60%, #00357a 100%);
    padding: 56px 20px;
    color: #ffffff;
    font-family: "Inter", system-ui, sans-serif;
  }

  .etc-transparency-section * { box-sizing: border-box; }

  .etc-trans-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 40px;
    align-items: start;
  }

  /* Logo badge */
  .etc-trans-logo-wrap { flex-shrink: 0; }

  .etc-trans-logo {
    width: 80px;
    height: 80px;
    border-radius: 18px;
    background: rgba(255,255,255,0.10);
    border: 1.5px solid rgba(255,255,255,0.18);
    display: flex;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(6px);
  }

  .etc-trans-initials {
    font: 900 17px/1.1 "Montserrat","Inter",system-ui,sans-serif;
    color: #ffffff;
    text-align: center;
    letter-spacing: -0.01em;
  }

  /* Content */
  .etc-trans-content { display: flex; flex-direction: column; gap: 16px; }

  /* Top row */
  .etc-trans-top-row {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
  }

  .etc-trans-title {
    margin: 0 0 8px;
    font: 800 clamp(22px,2.8vw,30px)/1.15 "Montserrat","Inter",system-ui,sans-serif;
    color: #ffffff;
  }

  .etc-trans-title span {
    display: block;
    font: 600 14px/1.3 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.65);
    font-weight: 500;
    margin-top: 5px;
    letter-spacing: 0;
  }

  /* Gov stamp */
  .etc-trans-gov-stamp {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px 8px 8px;
    border-radius: 999px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    flex-shrink: 0;
  }

  .etc-trans-gov-flag {
    width: 32px;
    height: 22px;
    border-radius: 4px;
    overflow: hidden;
    flex-shrink: 0;
  }

  .etc-trans-gov-stamp-text {
    font: 700 12px/1.3 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.9);
  }

  .etc-trans-gov-stamp-text span {
    display: block;
    font-weight: 500;
    font-size: 11px;
    color: rgba(255,255,255,0.6);
  }

  /* Body text */
  .etc-trans-text {
    margin: 0;
    color: rgba(255,255,255,0.82);
    font: 500 15.5px/1.72 "Inter",system-ui,sans-serif;
    max-width: 80ch;
  }

  .etc-trans-text strong { color: #ffffff; font-weight: 700; }

  .etc-trans-text a {
    color: #7fd6e8;
    text-decoration: underline;
    text-underline-offset: 2px;
    transition: color 0.15s ease;
  }

  .etc-trans-text a:hover { color: #ffffff; }

  /* Badges */
  .etc-trans-badges { display: flex; flex-wrap: wrap; gap: 10px; }

  .etc-trans-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255,255,255,0.10);
    border: 1px solid rgba(255,255,255,0.16);
    font: 600 13px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.9);
    white-space: nowrap;
    transition: background 0.15s ease;
  }

  .etc-trans-badge:hover { background: rgba(255,255,255,0.16); }

  .etc-trans-chk {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: rgba(0,220,130,0.25);
    color: #4dffc0;
    font-size: 10px;
    font-weight: 800;
    flex-shrink: 0;
  }

  /* Gov links row */
  .etc-trans-gov-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    padding-top: 4px;
  }

  .etc-trans-gov-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.75);
    text-decoration: none;
    transition: background 0.15s ease, color 0.15s ease;
    white-space: nowrap;
  }

  .etc-trans-gov-link:hover { background: rgba(255,255,255,0.16); color: #ffffff; }
  .etc-trans-gov-link svg { flex-shrink: 0; opacity: 0.7; }

  /* Divider */
  .etc-trans-divider { height: 1px; background: rgba(255,255,255,0.10); border: none; margin: 0; }

  /* Meta row */
  .etc-trans-meta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    flex-wrap: wrap;
  }

  .etc-trans-meta-left {
    font: 500 12px/1.6 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.5);
  }

  .etc-trans-meta-left strong { color: rgba(255,255,255,0.75); font-weight: 600; }

  .etc-trans-disclaimer-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    transition: color 0.15s ease;
  }

  .etc-trans-disclaimer-link:hover { color: #ffffff; }

  /* Responsive */
  @media (max-width: 780px) {
    .etc-trans-inner { grid-template-columns: 1fr; gap: 24px; }
    .etc-trans-logo { width: 64px; height: 64px; }
  }

  @media (max-width: 520px) {
    .etc-transparency-section { padding: 40px 16px; }
    .etc-trans-title { font-size: 22px; }
    .etc-trans-gov-stamp { display: none; }
  }

  #etc-legal-disclaimer {
    --ld-navy:    #002868;
    --ld-red:     #BF0A30;
    --ld-green:   #00875A;
    --ld-amber:   #D97706;
    --ld-text:    #122033;
    --ld-muted:   #5f6b7a;
    --ld-border:  #d7dce3;
    --ld-bg:      #ffffff;
    --ld-bg-soft: #f0f3f8;
    --ld-navy-bg: rgba(0,40,104,0.06);
    --ld-red-bg:  rgba(191,10,48,0.06);
    --ld-green-bg:rgba(0,135,90,0.06);
    --ld-amber-bg:rgba(217,119,6,0.08);
    --ld-max:     1240px;
    --ld-radius:  18px;
    color: var(--ld-text);
    padding: 56px 20px;
    background: var(--ld-bg-soft);
    border-top: 1px solid var(--ld-border);
    font-family: "Inter", system-ui, sans-serif;
  }

  #etc-legal-disclaimer * { box-sizing: border-box; }

  #etc-legal-disclaimer .ld-wrap {
    max-width: var(--ld-max);
    margin: 0 auto;
  }

  /* Top grid */
  #etc-legal-disclaimer .ld-top {
    display: grid;
    grid-template-columns: 1fr 340px;
    gap: 24px;
    margin-bottom: 24px;
  }

  /* Main disclaimer card */
  #etc-legal-disclaimer .ld-main-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: var(--ld-radius);
    overflow: hidden;
  }

  #etc-legal-disclaimer .ld-main-header {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 20px;
    background: var(--ld-red-bg);
    border-bottom: 1px solid rgba(191,10,48,0.12);
  }

  #etc-legal-disclaimer .ld-main-header svg { color: var(--ld-red); flex-shrink: 0; }

  #etc-legal-disclaimer .ld-main-header-text {
    font: 800 14px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--ld-red);
  }

  #etc-legal-disclaimer .ld-main-header-text span {
    font: 600 12px/1 "Inter",sans-serif;
    color: var(--ld-muted);
    font-weight: 600;
  }

  #etc-legal-disclaimer .ld-main-body {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 14px;
  }

  #etc-legal-disclaimer .ld-divider { height: 1px; background: var(--ld-border); border: none; margin: 0; }
  #etc-legal-disclaimer .ld-blocks { display: flex; flex-direction: column; gap: 14px; }

  #etc-legal-disclaimer .ld-block {
    display: grid;
    grid-template-columns: 24px 1fr;
    gap: 10px;
    align-items: start;
  }

  #etc-legal-disclaimer .ld-block-icon {
    width: 24px; height: 24px;
    border-radius: 6px;
    display: grid; place-items: center;
    flex-shrink: 0; margin-top: 1px;
  }

  #etc-legal-disclaimer .ld-block-icon.red   { background: var(--ld-red-bg);   color: var(--ld-red); }
  #etc-legal-disclaimer .ld-block-icon.amber { background: var(--ld-amber-bg); color: var(--ld-amber); }
  #etc-legal-disclaimer .ld-block-icon.navy  { background: var(--ld-navy-bg);  color: var(--ld-navy); }
  #etc-legal-disclaimer .ld-block-icon.green { background: var(--ld-green-bg); color: var(--ld-green); }

  #etc-legal-disclaimer .ld-block-content p {
    margin: 0;
    color: var(--ld-muted);
    font: 500 13px/1.7 "Inter",sans-serif;
    max-width: 72ch;
  }

  #etc-legal-disclaimer .ld-block-content p strong { color: var(--ld-text); font-weight: 700; }
  #etc-legal-disclaimer .ld-block-content p a { color: var(--ld-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

  /* Gov authority card */
  #etc-legal-disclaimer .ld-gov-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: var(--ld-radius);
    overflow: hidden;
    align-self: start;
  }

  #etc-legal-disclaimer .ld-gov-header {
    padding: 15px 18px;
    background: var(--ld-navy-bg);
    border-bottom: 1px solid rgba(0,40,104,0.12);
    display: flex;
    align-items: center;
    gap: 10px;
  }

  #etc-legal-disclaimer .ld-gov-header svg { color: var(--ld-navy); flex-shrink: 0; }

  #etc-legal-disclaimer .ld-gov-header-text {
    font: 800 13px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--ld-navy);
  }

  #etc-legal-disclaimer .ld-gov-header-text p {
    margin: 3px 0 0;
    font: 500 11px/1.3 "Inter",sans-serif;
    color: var(--ld-muted);
    max-width: none;
  }

  #etc-legal-disclaimer .ld-gov-list { list-style: none; margin: 0; padding: 8px 0; }
  #etc-legal-disclaimer .ld-gov-list li { margin: 0; }

  #etc-legal-disclaimer .ld-gov-link {
    display: grid;
    grid-template-columns: 28px 1fr auto;
    gap: 10px;
    align-items: center;
    padding: 10px 18px;
    text-decoration: none;
    color: var(--ld-text);
    transition: background 0.15s ease;
    border-bottom: 1px solid rgba(0,0,0,0.04);
  }

  #etc-legal-disclaimer .ld-gov-list li:last-child .ld-gov-link { border-bottom: none; }
  #etc-legal-disclaimer .ld-gov-link:hover { background: #f5f7fb; }

  #etc-legal-disclaimer .ld-gov-flag {
    width: 28px; height: 20px;
    border-radius: 3px;
    background: #b22234;
    overflow: hidden; flex-shrink: 0;
  }

  #etc-legal-disclaimer .ld-gov-flag svg { width: 28px; height: 20px; }

  #etc-legal-disclaimer .ld-gov-link-name {
    display: block;
    font: 700 13px/1.3 "Inter",sans-serif;
    color: var(--ld-navy);
  }

  #etc-legal-disclaimer .ld-gov-link-desc {
    display: block;
    font: 500 11px/1.4 "Inter",sans-serif;
    color: var(--ld-muted);
    margin-top: 2px;
  }

  #etc-legal-disclaimer .ld-gov-link-arrow {
    color: var(--ld-muted);
    flex-shrink: 0;
    transition: color 0.15s ease, transform 0.15s ease;
  }

  #etc-legal-disclaimer .ld-gov-link:hover .ld-gov-link-arrow { color: var(--ld-navy); transform: translateX(2px); }

  #etc-legal-disclaimer .ld-gov-footer-note {
    padding: 10px 18px;
    background: #f5f7fb;
    border-top: 1px solid var(--ld-border);
    font: 500 11px/1.5 "Inter",sans-serif;
    color: var(--ld-muted);
  }

  /* Bottom row */
  #etc-legal-disclaimer .ld-bottom {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 16px;
  }

  #etc-legal-disclaimer .ld-info-card {
    background: var(--ld-bg);
    border: 1px solid var(--ld-border);
    border-radius: 14px;
    padding: 16px 18px;
  }

  #etc-legal-disclaimer .ld-info-label {
    font: 700 11px/1 "Inter",sans-serif;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: var(--ld-muted);
    margin-bottom: 8px;
  }

  #etc-legal-disclaimer .ld-info-value {
    font: 700 14px/1.4 "Montserrat","Inter",sans-serif;
    color: var(--ld-navy);
    margin-bottom: 4px;
  }

  #etc-legal-disclaimer .ld-info-sub {
    font: 500 12px/1.55 "Inter",sans-serif;
    color: var(--ld-muted);
  }

  /* Responsive */
  @media (max-width: 1000px) {
    #etc-legal-disclaimer .ld-top { grid-template-columns: 1fr; }
    #etc-legal-disclaimer .ld-bottom { grid-template-columns: 1fr 1fr; }
  }

  @media (max-width: 620px) {
    #etc-legal-disclaimer { padding: 40px 16px; }
    #etc-legal-disclaimer .ld-bottom { grid-template-columns: 1fr; }
  }

  #turnover-related-calculators {
    --rc-navy:     #002868;
    --rc-red:      #BF0A30;
    --rc-green:    #00875A;
    --rc-amber:    #D97706;
    --rc-text:     #122033;
    --rc-muted:    #5f6b7a;
    --rc-border:   #d7dce3;
    --rc-bg:       #ffffff;
    --rc-bg-soft:  #f7f9fc;
    --rc-navy-bg:  rgba(0,40,104,0.07);
    --rc-green-bg: rgba(0,135,90,0.07);
    --rc-red-bg:   rgba(191,10,48,0.07);
    --rc-amber-bg: rgba(217,119,6,0.09);
    --rc-shadow:   0 8px 28px rgba(11,27,58,0.07);
    --rc-shadow-hv:0 18px 44px rgba(11,27,58,0.13);
    --rc-radius:   18px;
    --rc-max:      1240px;
    color: var(--rc-text);
    padding: 72px 20px;
    background: var(--rc-bg);
    border-top: 1px solid var(--rc-border);
    border-bottom: 1px solid var(--rc-border);
    font-family: "Inter", system-ui, sans-serif;
  }

  #turnover-related-calculators * { box-sizing: border-box; }

  #turnover-related-calculators .rc-wrap {
    max-width: var(--rc-max);
    margin: 0 auto;
  }

  /* ── Header ── */
  #turnover-related-calculators .rc-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    margin-bottom: 36px;
  }

  #turnover-related-calculators .rc-kicker {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 7px 14px;
    border-radius: 999px;
    background: var(--rc-navy-bg);
    color: var(--rc-navy);
    font: 700 12px/1 "Inter",sans-serif;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 12px;
  }

  #turnover-related-calculators h2 {
    margin: 0 0 8px;
    font: 800 clamp(26px,3.5vw,40px)/1.1 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--rc-navy);
  }

  #turnover-related-calculators .rc-intro {
    margin: 0;
    color: var(--rc-muted);
    font: 500 16px/1.65 "Inter",system-ui,sans-serif;
    max-width: 56ch;
  }

  #turnover-related-calculators .rc-view-all {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 22px;
    border-radius: 999px;
    border: 2px solid var(--rc-navy);
    background: transparent;
    color: var(--rc-navy);
    font: 700 14px/1 "Inter",system-ui,sans-serif;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.18s ease, color 0.18s ease;
    flex-shrink: 0;
  }

  #turnover-related-calculators .rc-view-all:hover {
    background: var(--rc-navy);
    color: #fff;
  }

  /* ── Filter bar ── */
  #turnover-related-calculators .rc-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
  }

  #turnover-related-calculators .rc-filter-btn {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--rc-border);
    background: var(--rc-bg);
    color: var(--rc-muted);
    font: 600 13px/1 "Inter",system-ui,sans-serif;
    cursor: pointer;
    transition: all 0.18s ease;
    white-space: nowrap;
  }

  #turnover-related-calculators .rc-filter-btn:hover {
    border-color: var(--rc-navy);
    color: var(--rc-navy);
  }

  #turnover-related-calculators .rc-filter-btn.active {
    background: var(--rc-navy);
    border-color: var(--rc-navy);
    color: #fff;
  }

  /* ── Grid ── */
  #turnover-related-calculators .rc-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
    gap: 18px;
  }

  /* ── Card ── */
  #turnover-related-calculators .rc-card {
    display: flex;
    flex-direction: column;
    border: 1px solid var(--rc-border);
    border-radius: var(--rc-radius);
    background: var(--rc-bg);
    box-shadow: var(--rc-shadow);
    text-decoration: none;
    color: inherit;
    overflow: hidden;
    transition: transform 0.22s cubic-bezier(0.16,1,0.3,1),
                box-shadow 0.22s cubic-bezier(0.16,1,0.3,1),
                border-color 0.18s ease;
    position: relative;
  }

  #turnover-related-calculators .rc-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--rc-shadow-hv);
    border-color: rgba(0,40,104,0.2);
  }

  /* Accent top bar */
  #turnover-related-calculators .rc-card::before {
    content: '';
    display: block;
    height: 3px;
    width: 100%;
    background: var(--rc-navy);
    transition: height 0.2s ease;
  }

  #turnover-related-calculators .rc-card[data-color="green"]::before  { background: var(--rc-green); }
  #turnover-related-calculators .rc-card[data-color="red"]::before    { background: var(--rc-red); }
  #turnover-related-calculators .rc-card[data-color="amber"]::before  { background: var(--rc-amber); }
  #turnover-related-calculators .rc-card[data-color="navy"]::before   { background: var(--rc-navy); }
  #turnover-related-calculators .rc-card:hover::before { height: 5px; }

  /* Featured card */
  #turnover-related-calculators .rc-card.rc-featured {
    grid-column: span 2;
    flex-direction: row;
    align-items: stretch;
  }

  #turnover-related-calculators .rc-card.rc-featured::before { display: none; }

  #turnover-related-calculators .rc-card.rc-featured .rc-accent-bar {
    width: 4px;
    flex-shrink: 0;
    background: var(--rc-green);
  }

  #turnover-related-calculators .rc-card-body {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
  }

  /* Card elements */
  #turnover-related-calculators .rc-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
  }

  #turnover-related-calculators .rc-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 10px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",system-ui,sans-serif;
    letter-spacing: 0.04em;
    white-space: nowrap;
  }

  #turnover-related-calculators .rc-tag.navy  { background: var(--rc-navy-bg);  color: var(--rc-navy); }
  #turnover-related-calculators .rc-tag.green { background: var(--rc-green-bg); color: var(--rc-green); }
  #turnover-related-calculators .rc-tag.red   { background: var(--rc-red-bg);   color: var(--rc-red); }
  #turnover-related-calculators .rc-tag.amber { background: var(--rc-amber-bg); color: var(--rc-amber); }

  #turnover-related-calculators .rc-featured-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 10px;
    border-radius: 999px;
    background: var(--rc-green-bg);
    color: var(--rc-green);
    font: 700 11px/1 "Inter",system-ui,sans-serif;
  }

  #turnover-related-calculators .rc-card-icon {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #turnover-related-calculators .rc-card-icon.navy  { background: var(--rc-navy-bg);  color: var(--rc-navy); }
  #turnover-related-calculators .rc-card-icon.green { background: var(--rc-green-bg); color: var(--rc-green); }
  #turnover-related-calculators .rc-card-icon.red   { background: var(--rc-red-bg);   color: var(--rc-red); }
  #turnover-related-calculators .rc-card-icon.amber { background: var(--rc-amber-bg); color: var(--rc-amber); }

  #turnover-related-calculators .rc-card h3 {
    margin: 0;
    font: 800 16px/1.25 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--rc-text);
  }

  #turnover-related-calculators .rc-card.rc-featured h3 {
    font-size: clamp(18px,2vw,22px);
  }

  #turnover-related-calculators .rc-card p {
    margin: 0;
    color: var(--rc-muted);
    font: 500 13px/1.65 "Inter",system-ui,sans-serif;
    max-width: 40ch;
    flex: 1;
  }

  #turnover-related-calculators .rc-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
    margin-top: auto;
    padding-top: 12px;
    border-top: 1px solid var(--rc-border);
  }

  #turnover-related-calculators .rc-card-meta {
    font: 600 12px/1 "Inter",system-ui,sans-serif;
    color: var(--rc-muted);
  }

  #turnover-related-calculators .rc-card-arrow {
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--rc-bg-soft);
    border: 1px solid var(--rc-border);
    display: grid;
    place-items: center;
    color: var(--rc-navy);
    transition: background 0.18s ease, transform 0.18s ease;
    flex-shrink: 0;
  }

  #turnover-related-calculators .rc-card:hover .rc-card-arrow {
    background: var(--rc-navy);
    color: #fff;
    transform: translateX(2px);
  }

  #turnover-related-calculators .rc-card[data-hidden="true"] { display: none; }

  /* ── Bottom CTA Banner ── */
  #turnover-related-calculators .rc-cta-banner {
    margin-top: 36px;
    background: var(--rc-bg-soft);
    border: 1px solid var(--rc-border);
    border-radius: var(--rc-radius);
    padding: 28px 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    flex-wrap: wrap;
  }

  #turnover-related-calculators .rc-cta-banner h3 {
    margin: 0 0 6px;
    font: 800 20px/1.2 "Montserrat","Inter",system-ui,sans-serif;
    color: var(--rc-navy);
  }

  #turnover-related-calculators .rc-cta-banner p {
    margin: 0;
    color: var(--rc-muted);
    font: 500 15px/1.6 "Inter",system-ui,sans-serif;
    max-width: 60ch;
  }

  #turnover-related-calculators .rc-cta-banner a {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 24px;
    border-radius: 999px;
    background: var(--rc-navy);
    color: #fff;
    font: 700 14px/1 "Inter",system-ui,sans-serif;
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.18s ease, transform 0.18s ease;
    flex-shrink: 0;
  }

  #turnover-related-calculators .rc-cta-banner a:hover {
    background: #0d4aa6;
    transform: translateY(-1px);
  }

  /* ── Arrow SVG reuse ── */
  .rc-arrow-svg { width: 14px; height: 14px; display: block; }

  /* ── Responsive ── */
  @media (max-width: 1100px) {
    #turnover-related-calculators .rc-grid { grid-template-columns: repeat(3,minmax(0,1fr)); }
    #turnover-related-calculators .rc-card.rc-featured { grid-column: span 3; }
  }

  @media (max-width: 780px) {
    #turnover-related-calculators .rc-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
    #turnover-related-calculators .rc-card.rc-featured { grid-column: span 2; flex-direction: column; }
    #turnover-related-calculators .rc-card.rc-featured .rc-accent-bar { width: 100%; height: 3px; }
  }

  @media (max-width: 520px) {
    #turnover-related-calculators { padding: 48px 16px; }
    #turnover-related-calculators .rc-grid { grid-template-columns: 1fr; }
    #turnover-related-calculators .rc-card.rc-featured { grid-column: span 1; }
    #turnover-related-calculators .rc-header { flex-direction: column; align-items: flex-start; }
  }

  /* ── Turnover Benchmarks Section ── */
  #turnover-benchmarks {
    --tb-navy:      #002868;
    --tb-red:       #BF0A30;
    --tb-green:     #00875A;
    --tb-amber:     #D97706;
    --tb-blue:      #005f8a;
    --tb-text:      #0e1f35;
    --tb-muted:     #4f6070;
    --tb-faint:     #8fa0b0;
    --tb-border:    rgba(0,40,104,0.10);
    --tb-bg:        #ffffff;
    --tb-bg-soft:   #f5f7fb;
    --tb-bg-row:    rgba(0,40,104,0.025);
    --tb-navy-bg:   rgba(0,40,104,0.06);
    --tb-green-bg:  rgba(0,135,90,0.07);
    --tb-red-bg:    rgba(191,10,48,0.06);
    --tb-amber-bg:  rgba(217,119,6,0.08);
    --tb-max:       1240px;
    --tb-radius:    16px;
    background: var(--tb-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--tb-text);
  }

  #turnover-benchmarks * { box-sizing: border-box; }
  #turnover-benchmarks .tb-wrap { max-width: var(--tb-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-benchmarks .tb-header {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 24px;
    align-items: start;
    margin-bottom: 36px;
  }

  #turnover-benchmarks .tb-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--tb-navy-bg);
    color: var(--tb-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-benchmarks .tb-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--tb-navy);
    letter-spacing: -0.01em;
  }

  #turnover-benchmarks .tb-subtitle {
    margin: 0;
    color: var(--tb-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 62ch;
  }

  #turnover-benchmarks .tb-update-badge {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    padding: 12px 18px;
    border-radius: 12px;
    background: var(--tb-navy-bg);
    border: 1px solid rgba(0,40,104,0.12);
    white-space: nowrap;
    flex-shrink: 0;
  }

  #turnover-benchmarks .tb-update-badge strong { font: 800 13px/1.2 "Montserrat",sans-serif; color: var(--tb-navy); }
  #turnover-benchmarks .tb-update-badge span { font: 500 11px/1.4 "Inter",sans-serif; color: var(--tb-muted); margin-top: 3px; text-align: center; }

  /* ── Your Rate Input Strip ── */
  #turnover-benchmarks .tb-your-strip {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 14px 20px;
    background: var(--tb-navy);
    border-radius: var(--tb-radius);
    margin-bottom: 28px;
    flex-wrap: wrap;
  }

  #turnover-benchmarks .tb-your-strip label { font: 700 13px/1 "Inter",sans-serif; color: rgba(255,255,255,0.85); white-space: nowrap; flex-shrink: 0; }

  #turnover-benchmarks .tb-input-wrap {
    display: flex;
    align-items: center;
    background: rgba(255,255,255,0.12);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 8px;
    overflow: hidden;
    flex-shrink: 0;
  }

  #turnover-benchmarks .tb-input-suffix {
    padding: 8px 10px;
    font: 700 13px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.6);
    background: rgba(255,255,255,0.08);
    border-left: 1px solid rgba(255,255,255,0.15);
    white-space: nowrap;
  }

  #turnover-benchmarks .tb-rate-input {
    background: transparent;
    border: none;
    outline: none;
    padding: 8px 12px;
    font: 700 14px/1 "Inter",sans-serif;
    color: #fff;
    width: 72px;
  }

  #turnover-benchmarks .tb-rate-input::placeholder { color: rgba(255,255,255,0.35); }

  /* Cost per turnover input */
  #turnover-benchmarks .tb-cost-input-wrap {
    display: flex;
    align-items: center;
    background: rgba(255,255,255,0.12);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 8px;
    overflow: hidden;
    flex-shrink: 0;
  }

  #turnover-benchmarks .tb-cost-prefix {
    padding: 8px 10px;
    font: 700 13px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.6);
    background: rgba(255,255,255,0.08);
    border-right: 1px solid rgba(255,255,255,0.15);
  }

  #turnover-benchmarks .tb-cost-input {
    background: transparent;
    border: none;
    outline: none;
    padding: 8px 12px;
    font: 700 14px/1 "Inter",sans-serif;
    color: #fff;
    width: 100px;
  }

  #turnover-benchmarks .tb-cost-input::placeholder { color: rgba(255,255,255,0.35); }

  #turnover-benchmarks .tb-result-text {
    font: 600 13px/1.4 "Inter",sans-serif;
    color: rgba(255,255,255,0.75);
    flex: 1;
    min-width: 160px;
  }

  #turnover-benchmarks .tb-result-text strong { color: #fff; }

  /* ── Stat pills ── */
  #turnover-benchmarks .tb-stats-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 28px;
  }

  #turnover-benchmarks .tb-stat-pill {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 18px;
    background: var(--tb-bg-soft);
    border: 1px solid var(--tb-border);
    border-radius: 12px;
    flex: 1;
    min-width: 200px;
  }

  #turnover-benchmarks .tb-stat-icon {
    width: 36px;
    height: 36px;
    border-radius: 9px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #turnover-benchmarks .tb-stat-label { font: 500 11px/1.2 "Inter",sans-serif; color: var(--tb-muted); text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 2px; }
  #turnover-benchmarks .tb-stat-val { font: 800 16px/1.1 "Montserrat","Inter",sans-serif; color: var(--tb-text); }
  #turnover-benchmarks .tb-stat-note { font: 500 11px/1.3 "Inter",sans-serif; color: var(--tb-muted); margin-top: 1px; }

  /* ── Filter tabs ── */
  #turnover-benchmarks .tb-filters {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 20px;
  }

  #turnover-benchmarks .tb-filter-btn {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1.5px solid var(--tb-border);
    background: var(--tb-bg);
    color: var(--tb-muted);
    font: 600 13px/1 "Inter",sans-serif;
    cursor: pointer;
    transition: all 0.15s ease;
    white-space: nowrap;
  }

  #turnover-benchmarks .tb-filter-btn:hover { border-color: var(--tb-navy); color: var(--tb-navy); }
  #turnover-benchmarks .tb-filter-btn.active { background: var(--tb-navy); border-color: var(--tb-navy); color: #fff; }

  /* ── Table ── */
  #turnover-benchmarks .tb-table-wrap {
    border: 1px solid var(--tb-border);
    border-radius: var(--tb-radius);
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,0.06);
  }

  #turnover-benchmarks .tb-table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

  #turnover-benchmarks table {
    width: 100%;
    min-width: 920px;
    border-collapse: collapse;
    font-family: "Inter",sans-serif;
  }

  #turnover-benchmarks thead tr { background: var(--tb-navy); }

  #turnover-benchmarks thead th {
    padding: 13px 16px;
    text-align: left;
    font: 700 11px/1.2 "Inter",sans-serif;
    color: rgba(255,255,255,0.85);
    letter-spacing: 0.06em;
    text-transform: uppercase;
    white-space: nowrap;
    cursor: pointer;
    user-select: none;
    transition: color 0.15s;
  }

  #turnover-benchmarks thead th:hover { color: #fff; }
  #turnover-benchmarks thead th:first-child { padding-left: 20px; }
  #turnover-benchmarks thead th .sort-icon { display: inline-block; margin-left: 5px; opacity: 0.4; font-size: 10px; }
  #turnover-benchmarks thead th.sorted .sort-icon { opacity: 1; }

  #turnover-benchmarks tbody tr {
    border-bottom: 1px solid var(--tb-border);
    transition: background 0.12s ease;
  }

  #turnover-benchmarks tbody tr:last-child { border-bottom: none; }
  #turnover-benchmarks tbody tr:nth-child(even) { background: var(--tb-bg-row); }
  #turnover-benchmarks tbody tr:hover { background: rgba(0,40,104,0.04); }
  #turnover-benchmarks tbody tr[data-hidden="true"] { display: none; }

  #turnover-benchmarks td { padding: 13px 16px; font-size: 13.5px; vertical-align: middle; }
  #turnover-benchmarks td:first-child { padding-left: 20px; }

  /* Industry cell */
  #turnover-benchmarks .tb-industry-cell { display: flex; align-items: center; gap: 10px; }
  #turnover-benchmarks .tb-industry-icon { width: 32px; height: 32px; border-radius: 8px; display: grid; place-items: center; flex-shrink: 0; font-size: 16px; }
  #turnover-benchmarks .tb-industry-name { font: 700 14px/1.2 "Montserrat","Inter",sans-serif; color: var(--tb-text); }
  #turnover-benchmarks .tb-industry-sub { font: 500 11.5px/1.3 "Inter",sans-serif; color: var(--tb-muted); margin-top: 2px; }

  /* Turnover rate range bar */
  #turnover-benchmarks .tb-rate-cell { min-width: 200px; }

  #turnover-benchmarks .tb-rate-nums {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 5px;
    gap: 6px;
  }

  #turnover-benchmarks .tb-rate-low { font: 600 12px/1 "Inter",sans-serif; color: var(--tb-green); }
  #turnover-benchmarks .tb-rate-avg { font: 800 14px/1 "Montserrat","Inter",sans-serif; color: var(--tb-navy); background: var(--tb-navy-bg); padding: 3px 8px; border-radius: 6px; }
  #turnover-benchmarks .tb-rate-high { font: 600 12px/1 "Inter",sans-serif; color: var(--tb-red); }

  #turnover-benchmarks .tb-range-bar { position: relative; height: 6px; background: rgba(0,40,104,0.08); border-radius: 999px; overflow: visible; }
  #turnover-benchmarks .tb-range-fill { position: absolute; left: 0; top: 0; height: 100%; border-radius: 999px; }
  #turnover-benchmarks .tb-range-fill.low    { background: linear-gradient(90deg,#00875A,#D97706); }
  #turnover-benchmarks .tb-range-fill.medium { background: linear-gradient(90deg,#D97706,#002868); }
  #turnover-benchmarks .tb-range-fill.high   { background: linear-gradient(90deg,#BF0A30,#7a0000); }

  #turnover-benchmarks .tb-user-marker {
    position: absolute;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 12px; height: 12px;
    border-radius: 50%;
    background: var(--tb-navy);
    border: 2px solid #fff;
    box-shadow: 0 1px 4px rgba(0,0,0,0.25);
    display: none;
    z-index: 2;
    transition: left 0.3s ease;
  }

  /* Cost per hire cell */
  #turnover-benchmarks .tb-cost-val { font: 800 15px/1 "Montserrat","Inter",sans-serif; white-space: nowrap; }
  #turnover-benchmarks .tb-cost-note { font: 500 11px/1.3 "Inter",sans-serif; color: var(--tb-muted); margin-top: 2px; }

  /* Severity badge */
  #turnover-benchmarks .tb-severity-pill {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 10px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    white-space: nowrap;
  }

  /* Annual cost risk */
  #turnover-benchmarks .tb-risk-cell { font: 600 12.5px/1.4 "Inter",sans-serif; color: var(--tb-muted); }
  #turnover-benchmarks .tb-risk-cell strong { font-weight: 700; }

  /* Your rate vs column */
  #turnover-benchmarks .tb-vs-cell { font: 600 12px/1.4 "Inter",sans-serif; color: var(--tb-muted); min-width: 100px; }
  #turnover-benchmarks .tb-vs-cell.above  { color: var(--tb-red); }
  #turnover-benchmarks .tb-vs-cell.below  { color: var(--tb-green); }
  #turnover-benchmarks .tb-vs-cell.near   { color: var(--tb-amber); }

  /* ── Source footnote ── */
  #turnover-benchmarks .tb-footnote {
    margin-top: 20px;
    padding: 16px 20px;
    background: var(--tb-bg-soft);
    border: 1px solid var(--tb-border);
    border-radius: 12px;
    display: flex;
    align-items: flex-start;
    gap: 12px;
    flex-wrap: wrap;
  }

  #turnover-benchmarks .tb-footnote-text { font: 500 12px/1.65 "Inter",sans-serif; color: var(--tb-muted); flex: 1; min-width: 200px; margin: 0; }
  #turnover-benchmarks .tb-footnote-text strong { color: var(--tb-text); font-weight: 700; }

  #turnover-benchmarks .tb-src-links { display: flex; flex-wrap: wrap; gap: 8px; flex-shrink: 0; }

  #turnover-benchmarks .tb-src-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 5px 11px;
    border-radius: 999px;
    background: var(--tb-bg);
    border: 1px solid var(--tb-border);
    font: 600 11px/1 "Inter",sans-serif;
    color: var(--tb-navy);
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.12s;
  }

  #turnover-benchmarks .tb-src-link:hover { background: var(--tb-navy-bg); border-color: rgba(0,40,104,0.2); }

  /* ── Responsive ── */
  @media (max-width: 900px) {
    #turnover-benchmarks .tb-header { grid-template-columns: 1fr; }
    #turnover-benchmarks .tb-update-badge { display: none; }
    #turnover-benchmarks .tb-stats-row { gap: 10px; }
  }

  @media (max-width: 600px) {
    #turnover-benchmarks { padding: 48px 16px; }
    #turnover-benchmarks .tb-your-strip { flex-direction: column; align-items: flex-start; gap: 12px; }
    #turnover-benchmarks .tb-stat-pill { min-width: 100%; }
  }

  #turnover-formula-explainer {
    --fe-navy:      #002868;
    --fe-red:       #BF0A30;
    --fe-green:     #00875A;
    --fe-amber:     #D97706;
    --fe-blue:      #005f8a;
    --fe-text:      #0e1f35;
    --fe-muted:     #4f6070;
    --fe-faint:     #8fa0b0;
    --fe-border:    rgba(0,40,104,0.10);
    --fe-bg:        #f5f7fb;
    --fe-bg-card:   #ffffff;
    --fe-navy-bg:   rgba(0,40,104,0.06);
    --fe-green-bg:  rgba(0,135,90,0.07);
    --fe-red-bg:    rgba(191,10,48,0.06);
    --fe-amber-bg:  rgba(217,119,6,0.08);
    --fe-max:       1240px;
    --fe-radius:    16px;
    background: var(--fe-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--fe-text);
  }

  #turnover-formula-explainer * { box-sizing: border-box; }
  #turnover-formula-explainer .fe-wrap { max-width: var(--fe-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-formula-explainer .fe-header { max-width: 720px; margin-bottom: 40px; }

  #turnover-formula-explainer .fe-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--fe-navy-bg);
    color: var(--fe-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-formula-explainer .fe-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--fe-navy);
    letter-spacing: -0.01em;
  }

  #turnover-formula-explainer .fe-subtitle {
    margin: 0;
    color: var(--fe-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 64ch;
  }

  /* ── Tab Nav ── */
  #turnover-formula-explainer .fe-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 0;
    border-bottom: 2px solid var(--fe-border);
    margin-bottom: 32px;
    overflow-x: auto;
  }

  #turnover-formula-explainer .fe-tab-btn {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 20px 14px;
    background: none;
    border: none;
    border-bottom: 3px solid transparent;
    margin-bottom: -2px;
    cursor: pointer;
    font: 600 13.5px/1 "Inter",sans-serif;
    color: var(--fe-muted);
    white-space: nowrap;
    transition: color 0.15s ease, border-color 0.15s ease;
  }

  #turnover-formula-explainer .fe-tab-btn:hover { color: var(--fe-navy); }
  #turnover-formula-explainer .fe-tab-btn.active { color: var(--fe-navy); border-bottom-color: var(--fe-navy); }
  #turnover-formula-explainer .fe-tab-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }

  /* ── Panels ── */
  #turnover-formula-explainer .fe-panel { display: none; }
  #turnover-formula-explainer .fe-panel.active { display: block; }

  #turnover-formula-explainer .fe-panel-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    align-items: start;
  }

  /* ── Formula Card ── */
  #turnover-formula-explainer .fe-formula-card {
    background: var(--fe-bg-card);
    border: 1px solid var(--fe-border);
    border-radius: var(--fe-radius);
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,0.06);
  }

  #turnover-formula-explainer .fe-formula-header {
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 10px;
    border-bottom: 1px solid var(--fe-border);
  }

  #turnover-formula-explainer .fe-formula-badge {
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: 999px;
  }

  #turnover-formula-explainer .fe-formula-label { font: 700 15px/1.2 "Montserrat","Inter",sans-serif; color: var(--fe-text); }

  /* Visual formula */
  #turnover-formula-explainer .fe-formula-visual {
    padding: 28px 24px;
    text-align: center;
    background: var(--fe-bg);
  }

  #turnover-formula-explainer .fe-formula-equation {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 14px;
  }

  #turnover-formula-explainer .fe-f-result {
    font: 900 20px/1 "Montserrat","Inter",sans-serif;
    padding: 10px 16px;
    background: var(--fe-navy-bg);
    border-radius: 10px;
    border: 1.5px solid rgba(0,40,104,0.15);
  }

  #turnover-formula-explainer .fe-f-eq {
    font: 700 22px/1 "Montserrat",sans-serif;
    color: var(--fe-faint);
  }

  #turnover-formula-explainer .fe-f-fraction {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    gap: 2px;
  }

  #turnover-formula-explainer .fe-f-num,
  #turnover-formula-explainer .fe-f-den {
    font: 700 13px/1.3 "Inter",sans-serif;
    padding: 6px 14px;
    border-radius: 8px;
    text-align: center;
  }

  #turnover-formula-explainer .fe-f-num { background: rgba(0,135,90,0.10); color: var(--fe-green); border: 1px solid rgba(0,135,90,0.2); }
  #turnover-formula-explainer .fe-f-den { background: rgba(191,10,48,0.08); color: var(--fe-red); border: 1px solid rgba(191,10,48,0.15); }
  #turnover-formula-explainer .fe-f-line { height: 2px; background: var(--fe-navy); width: 100%; border-radius: 999px; margin: 1px 0; opacity: 0.3; }

  #turnover-formula-explainer .fe-f-sum {
    display: flex;
    align-items: center;
    gap: 6px;
    flex-wrap: wrap;
    justify-content: center;
  }

  #turnover-formula-explainer .fe-f-item {
    font: 700 12px/1.3 "Inter",sans-serif;
    padding: 5px 10px;
    border-radius: 7px;
    border: 1px solid;
    text-align: center;
  }

  #turnover-formula-explainer .fe-f-plus {
    font: 700 16px/1 "Montserrat",sans-serif;
    color: var(--fe-navy);
    opacity: 0.4;
  }

  #turnover-formula-explainer .fe-formula-note {
    font: 500 12.5px/1.6 "Inter",sans-serif;
    color: var(--fe-muted);
    max-width: 42ch;
    margin: 0 auto;
  }

  /* Variable table */
  #turnover-formula-explainer .fe-vars { padding: 0 20px 20px; }

  #turnover-formula-explainer .fe-var-row {
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 10px 14px;
    align-items: center;
    padding: 9px 0;
    border-bottom: 1px solid rgba(0,40,104,0.06);
  }

  #turnover-formula-explainer .fe-var-row:last-child { border-bottom: none; }

  #turnover-formula-explainer .fe-var-name {
    font: 700 11px/1 "Courier New",monospace;
    color: var(--fe-navy);
    padding: 4px 9px;
    border-radius: 6px;
    background: var(--fe-navy-bg);
    white-space: nowrap;
  }

  #turnover-formula-explainer .fe-var-desc { font: 500 13px/1.5 "Inter",sans-serif; color: var(--fe-muted); }
  #turnover-formula-explainer .fe-var-example { font: 700 13px/1 "Montserrat","Inter",sans-serif; color: var(--fe-text); text-align: right; white-space: nowrap; }

  /* ── Worked Example Card ── */
  #turnover-formula-explainer .fe-example-card {
    background: var(--fe-bg-card);
    border: 1px solid var(--fe-border);
    border-radius: var(--fe-radius);
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,0.06);
    display: flex;
    flex-direction: column;
  }

  #turnover-formula-explainer .fe-example-header {
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 10px;
  }

  #turnover-formula-explainer .fe-example-header svg { color: rgba(255,255,255,0.7); flex-shrink: 0; }

  #turnover-formula-explainer .fe-example-header-text {
    font: 700 14px/1.2 "Montserrat","Inter",sans-serif;
    color: #fff;
  }

  #turnover-formula-explainer .fe-example-header-text span {
    display: block;
    font: 500 11px/1.3 "Inter",sans-serif;
    color: rgba(255,255,255,0.6);
    margin-top: 2px;
  }

  #turnover-formula-explainer .fe-example-body {
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
  }

  #turnover-formula-explainer .fe-ex-inputs {
    display: flex;
    flex-direction: column;
    gap: 8px;
    padding: 14px;
    background: var(--fe-bg);
    border-radius: 10px;
    border: 1px solid var(--fe-border);
  }

  #turnover-formula-explainer .fe-ex-input-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 8px;
  }

  #turnover-formula-explainer .fe-ex-input-label { font: 500 12.5px/1 "Inter",sans-serif; color: var(--fe-muted); }
  #turnover-formula-explainer .fe-ex-input-val {
    font: 700 13px/1 "Montserrat","Inter",sans-serif;
    color: var(--fe-text);
    background: var(--fe-bg-card);
    padding: 4px 10px;
    border-radius: 6px;
    border: 1px solid var(--fe-border);
    white-space: nowrap;
  }

  #turnover-formula-explainer .fe-ex-steps { display: flex; flex-direction: column; gap: 6px; }

  #turnover-formula-explainer .fe-ex-step {
    display: grid;
    grid-template-columns: 22px 1fr auto;
    gap: 8px;
    align-items: center;
    padding: 8px 12px;
    border-radius: 8px;
    background: var(--fe-bg);
  }

  #turnover-formula-explainer .fe-ex-step-num {
    width: 22px; height: 22px;
    border-radius: 50%;
    color: #fff;
    font: 700 11px/1 "Inter",sans-serif;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #turnover-formula-explainer .fe-ex-step-text { font: 500 12.5px/1.5 "Inter",sans-serif; color: var(--fe-muted); }
  #turnover-formula-explainer .fe-ex-step-text strong { color: var(--fe-text); font-weight: 700; }
  #turnover-formula-explainer .fe-ex-step-val { font: 700 13px/1 "Montserrat","Inter",sans-serif; white-space: nowrap; text-align: right; }

  #turnover-formula-explainer .fe-ex-result {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 14px 16px;
    border-radius: 10px;
    margin-top: 4px;
  }

  #turnover-formula-explainer .fe-ex-result-label { font: 600 13px/1 "Inter",sans-serif; color: rgba(255,255,255,0.75); }
  #turnover-formula-explainer .fe-ex-result-val { font: 900 22px/1 "Montserrat","Inter",sans-serif; color: #fff; }
  #turnover-formula-explainer .fe-ex-result-interp { font: 500 11px/1.4 "Inter",sans-serif; color: rgba(255,255,255,0.6); margin-top: 3px; }

  /* ── Mistakes Section ── */
  #turnover-formula-explainer .fe-mistakes {
    margin-top: 32px;
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 16px;
  }

  #turnover-formula-explainer .fe-mistake-card {
    padding: 18px 20px;
    border-radius: 14px;
    background: var(--fe-bg-card);
    border: 1px solid var(--fe-border);
  }

  #turnover-formula-explainer .fe-mistake-top {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
  }

  #turnover-formula-explainer .fe-mistake-icon {
    width: 32px; height: 32px;
    border-radius: 8px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
  }

  #turnover-formula-explainer .fe-mistake-title { font: 700 13.5px/1.2 "Montserrat","Inter",sans-serif; color: var(--fe-text); }
  #turnover-formula-explainer .fe-mistake-body { font: 500 13px/1.65 "Inter",sans-serif; color: var(--fe-muted); max-width: none; margin: 0; }
  #turnover-formula-explainer .fe-mistake-body strong { color: var(--fe-text); font-weight: 700; }

  /* ── Authority Strip ── */
  #turnover-formula-explainer .fe-authority-strip {
    margin-top: 28px;
    padding: 14px 20px;
    border-radius: 12px;
    background: var(--fe-navy-bg);
    border: 1px solid rgba(0,40,104,0.12);
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
  }

  #turnover-formula-explainer .fe-authority-strip svg { flex-shrink: 0; color: var(--fe-navy); }

  #turnover-formula-explainer .fe-authority-text {
    font: 500 13px/1.6 "Inter",sans-serif;
    color: var(--fe-muted);
    flex: 1;
    min-width: 200px;
    margin: 0;
  }

  #turnover-formula-explainer .fe-authority-text strong { color: var(--fe-navy); font-weight: 700; }
  #turnover-formula-explainer .fe-authority-text a { color: var(--fe-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

  #turnover-formula-explainer .fe-auth-links { display: flex; gap: 8px; flex-shrink: 0; flex-wrap: wrap; }

  #turnover-formula-explainer .fe-auth-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 5px 11px;
    border-radius: 999px;
    background: #fff;
    border: 1px solid rgba(0,40,104,0.14);
    font: 600 11px/1 "Inter",sans-serif;
    color: var(--fe-navy);
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.12s;
  }

  #turnover-formula-explainer .fe-auth-link:hover { background: rgba(0,40,104,0.06); }

  /* ── Responsive ── */
  @media (max-width: 900px) {
    #turnover-formula-explainer .fe-panel-grid { grid-template-columns: 1fr; }
    #turnover-formula-explainer .fe-mistakes { grid-template-columns: 1fr 1fr; }
  }

  @media (max-width: 600px) {
    #turnover-formula-explainer { padding: 48px 16px; }
    #turnover-formula-explainer .fe-tabs { flex-wrap: nowrap; overflow-x: auto; padding-bottom: 2px; }
    #turnover-formula-explainer .fe-tab-btn { padding: 10px 14px 12px; font-size: 12.5px; }
    #turnover-formula-explainer .fe-mistakes { grid-template-columns: 1fr; }
    #turnover-formula-explainer .fe-var-row { grid-template-columns: auto 1fr; }
    #turnover-formula-explainer .fe-var-example { display: none; }
  }

  /* ── What's a Good Rate Section ── */
  #turnover-good-rate {
    --gr-navy:      #002868;
    --gr-red:       #BF0A30;
    --gr-green:     #00875A;
    --gr-amber:     #D97706;
    --gr-blue:      #005f8a;
    --gr-text:      #0e1f35;
    --gr-muted:     #4f6070;
    --gr-faint:     #8fa0b0;
    --gr-border:    rgba(0,40,104,0.10);
    --gr-bg:        #f5f7fb;
    --gr-bg-card:   #ffffff;
    --gr-navy-bg:   rgba(0,40,104,0.06);
    --gr-green-bg:  rgba(0,135,90,0.07);
    --gr-red-bg:    rgba(191,10,48,0.06);
    --gr-amber-bg:  rgba(217,119,6,0.08);
    --gr-max:       1240px;
    --gr-radius:    16px;
    background: var(--gr-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--gr-text);
  }

  #turnover-good-rate * { box-sizing: border-box; }
  #turnover-good-rate .gr-wrap { max-width: var(--gr-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-good-rate .gr-header { max-width: 760px; margin-bottom: 44px; }

  #turnover-good-rate .gr-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--gr-navy-bg);
    color: var(--gr-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-good-rate .gr-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--gr-navy);
    letter-spacing: -0.01em;
  }

  #turnover-good-rate .gr-subtitle {
    margin: 0;
    color: var(--gr-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 64ch;
  }

  /* ── Interactive Rate Checker ── */
  #turnover-good-rate .gr-checker {
    background: var(--gr-navy);
    border-radius: var(--gr-radius);
    padding: 28px 32px;
    margin-bottom: 32px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px;
    align-items: center;
  }

  #turnover-good-rate .gr-checker-title {
    font: 800 17px/1.2 "Montserrat","Inter",sans-serif;
    color: #fff;
    margin-bottom: 6px;
  }

  #turnover-good-rate .gr-checker-desc {
    font: 500 13px/1.6 "Inter",sans-serif;
    color: rgba(255,255,255,0.65);
    margin-bottom: 18px;
    max-width: 40ch;
  }

  #turnover-good-rate .gr-inputs-row {
    display: flex;
    align-items: flex-end;
    gap: 12px;
    flex-wrap: wrap;
  }

  #turnover-good-rate .gr-input-group { display: flex; flex-direction: column; gap: 4px; }

  #turnover-good-rate .gr-input-label {
    font: 600 11px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.55);
    letter-spacing: 0.06em;
    text-transform: uppercase;
  }

  #turnover-good-rate .gr-input-wrap {
    display: flex;
    align-items: center;
    background: rgba(255,255,255,0.10);
    border: 1px solid rgba(255,255,255,0.18);
    border-radius: 8px;
    overflow: hidden;
  }

  #turnover-good-rate .gr-input-suffix {
    padding: 8px 10px;
    font: 700 13px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.5);
    background: rgba(255,255,255,0.06);
    border-left: 1px solid rgba(255,255,255,0.12);
  }

  #turnover-good-rate .gr-input {
    background: transparent;
    border: none;
    outline: none;
    padding: 8px 12px;
    font: 700 14px/1 "Inter",sans-serif;
    color: #fff;
    width: 80px;
  }

  #turnover-good-rate .gr-input::placeholder { color: rgba(255,255,255,0.3); }

  /* Result panel */
  #turnover-good-rate .gr-checker-right {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 12px;
    padding: 20px 24px;
    min-height: 140px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 10px;
  }

  #turnover-good-rate .gr-result-label {
    font: 600 11px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.5);
    letter-spacing: 0.06em;
    text-transform: uppercase;
  }

  #turnover-good-rate .gr-result-val {
    font: 900 38px/1 "Montserrat","Inter",sans-serif;
    color: #fff;
    letter-spacing: -0.02em;
  }

  #turnover-good-rate .gr-result-val span { font-size: 20px; opacity: 0.5; font-weight: 600; }

  #turnover-good-rate .gr-result-badge {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    font: 700 13px/1 "Inter",sans-serif;
    width: fit-content;
  }

  #turnover-good-rate .gr-result-desc {
    font: 500 12.5px/1.55 "Inter",sans-serif;
    color: rgba(255,255,255,0.6);
    max-width: none;
    margin: 0;
  }

  /* ── Visual Scale Bar ── */
  #turnover-good-rate .gr-scale-wrap {
    margin-bottom: 36px;
    background: var(--gr-bg-card);
    border: 1px solid var(--gr-border);
    border-radius: var(--gr-radius);
    padding: 24px 28px;
    box-shadow: 0 2px 12px rgba(0,40,104,0.05);
  }

  #turnover-good-rate .gr-scale-title {
    font: 700 11px/1 "Montserrat","Inter",sans-serif;
    color: var(--gr-navy);
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-size: 11px;
  }

  #turnover-good-rate .gr-scale-bar {
    display: flex;
    height: 10px;
    border-radius: 999px;
    overflow: hidden;
    margin-bottom: 8px;
  }

  #turnover-good-rate .gr-scale-marker-wrap {
    position: relative;
    height: 28px;
    margin-bottom: 4px;
  }

  #turnover-good-rate .gr-scale-marker {
    position: absolute;
    transform: translateX(-50%);
    display: none;
    flex-direction: column;
    align-items: center;
    gap: 2px;
    transition: left 0.3s cubic-bezier(0.16,1,0.3,1);
  }

  #turnover-good-rate .gr-scale-marker.visible { display: flex; }

  #turnover-good-rate .gr-scale-marker-dot {
    width: 14px; height: 14px;
    border-radius: 50%;
    background: var(--gr-navy);
    border: 3px solid #fff;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
  }

  #turnover-good-rate .gr-scale-marker-label {
    font: 700 11px/1 "Inter",sans-serif;
    color: var(--gr-navy);
    white-space: nowrap;
    background: var(--gr-bg-card);
    padding: 2px 6px;
    border-radius: 4px;
    border: 1px solid var(--gr-border);
  }

  #turnover-good-rate .gr-scale-labels {
    display: flex;
    justify-content: space-between;
  }

  #turnover-good-rate .gr-scale-label {
    font: 600 11px/1 "Inter",sans-serif;
    text-align: center;
    flex: 1;
  }

  #turnover-good-rate .gr-scale-label strong {
    display: block;
    font: 700 13px/1.3 "Montserrat","Inter",sans-serif;
    margin-bottom: 3px;
  }

  /* ── Tier Cards Bento ── */
  #turnover-good-rate .gr-tiers {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 16px;
    margin-bottom: 36px;
  }

  #turnover-good-rate .gr-tier-card {
    border-radius: var(--gr-radius);
    overflow: hidden;
    border: 1px solid var(--gr-border);
    background: var(--gr-bg-card);
    box-shadow: 0 2px 12px rgba(0,40,104,0.05);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    display: flex;
    flex-direction: column;
  }

  #turnover-good-rate .gr-tier-card:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(0,40,104,0.10); }

  #turnover-good-rate .gr-tier-card.active-tier {
    border-width: 2px;
    transform: translateY(-4px);
    box-shadow: 0 12px 32px rgba(0,40,104,0.14);
  }

  #turnover-good-rate .gr-tier-top {
    padding: 18px 18px 14px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    flex: 1;
  }

  #turnover-good-rate .gr-tier-rate {
    font: 900 28px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.02em;
  }

  #turnover-good-rate .gr-tier-name {
    font: 800 14px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--gr-text);
  }

  #turnover-good-rate .gr-tier-desc {
    font: 500 12.5px/1.65 "Inter",sans-serif;
    color: var(--gr-muted);
    flex: 1;
    max-width: none;
    margin: 0;
  }

  #turnover-good-rate .gr-tier-bottom {
    padding: 12px 18px;
    border-top: 1px solid var(--gr-border);
  }

  #turnover-good-rate .gr-tier-action {
    font: 600 12px/1.5 "Inter",sans-serif;
    color: var(--gr-muted);
  }

  #turnover-good-rate .gr-tier-action strong { font-weight: 700; display: block; margin-bottom: 2px; }

  /* ── Annual Cost Impact ── */
  #turnover-good-rate .gr-cost-impact {
    margin-bottom: 36px;
  }

  #turnover-good-rate .gr-cost-title {
    font: 800 20px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--gr-navy);
    margin-bottom: 6px;
  }

  #turnover-good-rate .gr-cost-intro {
    font: 500 14px/1.7 "Inter",sans-serif;
    color: var(--gr-muted);
    margin-bottom: 20px;
    max-width: 72ch;
  }

  #turnover-good-rate .gr-cost-interactive {
    background: var(--gr-bg-card);
    border: 1px solid var(--gr-border);
    border-radius: var(--gr-radius);
    padding: 24px 28px;
    box-shadow: 0 2px 12px rgba(0,40,104,0.05);
  }

  #turnover-good-rate .gr-cost-inputs {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 16px;
    margin-bottom: 20px;
  }

  #turnover-good-rate .gr-cost-input-group { display: flex; flex-direction: column; gap: 6px; }

  #turnover-good-rate .gr-cost-input-label {
    font: 700 11px/1 "Inter",sans-serif;
    color: var(--gr-navy);
    text-transform: uppercase;
    letter-spacing: 0.07em;
    font-size: 11px;
  }

  #turnover-good-rate .gr-cost-input-wrap {
    display: flex;
    align-items: center;
    background: var(--gr-bg);
    border: 1.5px solid var(--gr-border);
    border-radius: 8px;
    overflow: hidden;
    transition: border-color 0.15s;
  }

  #turnover-good-rate .gr-cost-input-wrap:focus-within { border-color: var(--gr-navy); }

  #turnover-good-rate .gr-cost-prefix {
    padding: 9px 10px;
    font: 600 13px/1 "Inter",sans-serif;
    color: var(--gr-faint);
    background: rgba(0,40,104,0.04);
    border-right: 1px solid var(--gr-border);
  }

  #turnover-good-rate .gr-cost-field {
    border: none;
    outline: none;
    background: transparent;
    padding: 9px 12px;
    font: 700 14px/1 "Inter",sans-serif;
    color: var(--gr-text);
    width: 100%;
  }

  #turnover-good-rate .gr-cost-results {
    display: grid;
    grid-template-columns: repeat(4,1fr);
    gap: 12px;
  }

  #turnover-good-rate .gr-cost-result-card {
    padding: 14px 16px;
    border-radius: 12px;
    background: var(--gr-bg);
    border: 1px solid var(--gr-border);
    text-align: center;
  }

  #turnover-good-rate .gr-result-card-label {
    font: 600 11px/1.3 "Inter",sans-serif;
    color: var(--gr-muted);
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-bottom: 8px;
    font-size: 10px;
  }

  #turnover-good-rate .gr-result-card-val {
    font: 900 20px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.01em;
  }

  #turnover-good-rate .gr-result-card-sub {
    font: 500 11px/1.4 "Inter",sans-serif;
    color: var(--gr-muted);
    margin-top: 4px;
  }

  /* ── Industry Context ── */
  #turnover-good-rate .gr-industry-note {
    margin-top: 28px;
    padding: 16px 20px;
    border-radius: 12px;
    background: var(--gr-navy-bg);
    border: 1px solid rgba(0,40,104,0.12);
    display: flex;
    align-items: flex-start;
    gap: 12px;
  }

  #turnover-good-rate .gr-industry-note svg { flex-shrink: 0; color: var(--gr-navy); margin-top: 2px; }

  #turnover-good-rate .gr-industry-note-text {
    font: 500 13px/1.65 "Inter",sans-serif;
    color: var(--gr-muted);
    margin: 0;
    max-width: none;
  }

  #turnover-good-rate .gr-industry-note-text strong { color: var(--gr-text); font-weight: 700; }

  #turnover-good-rate .gr-industry-note-text a {
    color: var(--gr-navy);
    font-weight: 600;
    text-decoration: underline;
    text-underline-offset: 2px;
  }

  /* ── 3 Improvement Levers ── */
  #turnover-good-rate .gr-levers { margin-top: 36px; }

  #turnover-good-rate .gr-levers-title {
    font: 800 20px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--gr-navy);
    margin-bottom: 6px;
  }

  #turnover-good-rate .gr-levers-intro {
    font: 500 14px/1.7 "Inter",sans-serif;
    color: var(--gr-muted);
    margin-bottom: 20px;
    max-width: 72ch;
  }

  #turnover-good-rate .gr-levers-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 16px;
  }

  #turnover-good-rate .gr-lever-card {
    padding: 20px 22px;
    border-radius: 14px;
    background: var(--gr-bg-card);
    border: 1px solid var(--gr-border);
  }

  #turnover-good-rate .gr-lever-card.featured {
    background: var(--gr-navy);
    border-color: var(--gr-navy);
  }

  #turnover-good-rate .gr-lever-num {
    font: 900 40px/1 "Montserrat","Inter",sans-serif;
    color: rgba(0,40,104,0.10);
    margin-bottom: 8px;
  }

  #turnover-good-rate .gr-lever-card.featured .gr-lever-num { color: rgba(255,255,255,0.12); }

  #turnover-good-rate .gr-lever-card-title {
    font: 800 16px/1.3 "Montserrat","Inter",sans-serif;
    color: var(--gr-text);
    margin-bottom: 8px;
  }

  #turnover-good-rate .gr-lever-card.featured .gr-lever-card-title { color: #fff; }

  #turnover-good-rate .gr-lever-card-body {
    font: 500 13px/1.7 "Inter",sans-serif;
    color: var(--gr-muted);
    margin: 0;
    max-width: none;
  }

  #turnover-good-rate .gr-lever-card.featured .gr-lever-card-body { color: rgba(255,255,255,0.7); }

  #turnover-good-rate .gr-lever-tactics { margin-top: 12px; display: flex; flex-direction: column; gap: 5px; }

  #turnover-good-rate .gr-lever-tactic {
    display: flex;
    align-items: flex-start;
    gap: 7px;
    font: 500 12px/1.5 "Inter",sans-serif;
    color: var(--gr-muted);
  }

  #turnover-good-rate .gr-lever-card.featured .gr-lever-tactic { color: rgba(255,255,255,0.65); }
  #turnover-good-rate .gr-lever-tactic::before { content: '→'; font-weight: 700; color: var(--gr-navy); flex-shrink: 0; margin-top: 1px; }
  #turnover-good-rate .gr-lever-card.featured .gr-lever-tactic::before { color: rgba(255,255,255,0.5); }

  /* ── Responsive ── */
  @media (max-width: 1060px) { #turnover-good-rate .gr-tiers { grid-template-columns: repeat(2,1fr); } }
  @media (max-width: 900px) {
    #turnover-good-rate .gr-checker { grid-template-columns: 1fr; }
    #turnover-good-rate .gr-checker-right { min-height: auto; }
    #turnover-good-rate .gr-cost-results { grid-template-columns: 1fr 1fr; }
    #turnover-good-rate .gr-levers-grid { grid-template-columns: 1fr; }
    #turnover-good-rate .gr-cost-inputs { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 600px) {
    #turnover-good-rate { padding: 48px 16px; }
    #turnover-good-rate .gr-tiers { grid-template-columns: 1fr 1fr; }
    #turnover-good-rate .gr-cost-inputs { grid-template-columns: 1fr; }
    #turnover-good-rate .gr-cost-results { grid-template-columns: 1fr 1fr; }
    #turnover-good-rate .gr-checker { padding: 20px; }
  }
  @media (max-width: 420px) { #turnover-good-rate .gr-tiers { grid-template-columns: 1fr; } }

  /* ── Real Examples Section ── */
  #turnover-real-examples {
    --re-navy:      #002868;
    --re-red:       #BF0A30;
    --re-green:     #00875A;
    --re-amber:     #D97706;
    --re-blue:      #005f8a;
    --re-text:      #0e1f35;
    --re-muted:     #4f6070;
    --re-faint:     #8fa0b0;
    --re-border:    rgba(0,40,104,0.10);
    --re-bg:        #f5f7fb;
    --re-bg-card:   #ffffff;
    --re-navy-bg:   rgba(0,40,104,0.06);
    --re-green-bg:  rgba(0,135,90,0.07);
    --re-red-bg:    rgba(191,10,48,0.06);
    --re-amber-bg:  rgba(217,119,6,0.08);
    --re-max:       1240px;
    --re-radius:    16px;
    background: var(--re-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--re-text);
  }

  #turnover-real-examples * { box-sizing: border-box; }
  #turnover-real-examples .re-wrap { max-width: var(--re-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-real-examples .re-header {
    max-width: 760px;
    margin-bottom: 48px;
  }

  #turnover-real-examples .re-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--re-navy-bg);
    color: var(--re-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-real-examples .re-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--re-navy);
    letter-spacing: -0.01em;
  }

  #turnover-real-examples .re-subtitle {
    margin: 0;
    color: var(--re-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 64ch;
  }

  #turnover-real-examples .re-disclaimer {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 14px;
    padding: 6px 12px;
    border-radius: 8px;
    background: var(--re-amber-bg);
    border: 1px solid rgba(217,119,6,0.15);
    font: 500 12px/1.4 "Inter",sans-serif;
    color: var(--re-amber);
  }

  /* ── Case cards ── */
  #turnover-real-examples .re-cases { display: flex; flex-direction: column; gap: 24px; }

  /* ── Individual case card ── */
  #turnover-real-examples .re-case {
    background: var(--re-bg-card);
    border: 1px solid var(--re-border);
    border-radius: var(--re-radius);
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,0.05);
    transition: box-shadow 0.2s ease;
  }

  #turnover-real-examples .re-case:hover { box-shadow: 0 10px 32px rgba(0,40,104,0.10); }

  #turnover-real-examples .re-case-strip { height: 4px; width: 100%; }

  #turnover-real-examples .re-case-inner {
    display: grid;
    grid-template-columns: 300px 1fr;
    align-items: start;
  }

  /* Left sidebar */
  #turnover-real-examples .re-case-left {
    padding: 24px;
    border-right: 1px solid var(--re-border);
  }

  #turnover-real-examples .re-case-num {
    font: 900 11px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    margin-bottom: 12px;
    opacity: 0.5;
  }

  #turnover-real-examples .re-case-tag {
    display: inline-flex;
    align-items: center;
    padding: 4px 10px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-bottom: 10px;
  }

  #turnover-real-examples .re-case-biz-name {
    font: 900 19px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--re-text);
    margin-bottom: 4px;
    letter-spacing: -0.01em;
  }

  #turnover-real-examples .re-case-biz-type {
    font: 500 13px/1.4 "Inter",sans-serif;
    color: var(--re-muted);
    margin-bottom: 18px;
  }

  /* KPI grid */
  #turnover-real-examples .re-kpis {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 16px;
  }

  #turnover-real-examples .re-kpi {
    padding: 10px 12px;
    border-radius: 10px;
    background: #f5f7fb;
    border: 1px solid var(--re-border);
  }

  #turnover-real-examples .re-kpi-label {
    font: 600 10px/1 "Inter",sans-serif;
    color: var(--re-faint);
    text-transform: uppercase;
    letter-spacing: 0.07em;
    margin-bottom: 4px;
  }

  #turnover-real-examples .re-kpi-val {
    font: 800 17px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.01em;
  }

  #turnover-real-examples .re-kpi-sub {
    font: 500 11px/1.3 "Inter",sans-serif;
    color: var(--re-muted);
    margin-top: 2px;
  }

  /* Total cost badge */
  #turnover-real-examples .re-total-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 14px;
    border-radius: 10px;
    margin-bottom: 14px;
    border: 1px solid;
  }

  #turnover-real-examples .re-total-val {
    font: 900 22px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.02em;
  }

  #turnover-real-examples .re-total-label {
    font: 700 12px/1.2 "Inter",sans-serif;
  }

  #turnover-real-examples .re-total-status {
    font: 500 11px/1.3 "Inter",sans-serif;
    opacity: 0.7;
    margin-top: 2px;
  }

  #turnover-real-examples .re-rev-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 10px;
    border-radius: 8px;
    background: var(--re-navy-bg);
    font: 600 12px/1 "Inter",sans-serif;
    color: var(--re-navy);
  }

  /* Right content panel */
  #turnover-real-examples .re-case-right {
    padding: 24px 28px;
    display: flex;
    flex-direction: column;
    gap: 20px;
  }

  /* Cost breakdown bars */
  #turnover-real-examples .re-cost-title {
    font: 700 10px/1 "Montserrat","Inter",sans-serif;
    color: var(--re-navy);
    text-transform: uppercase;
    letter-spacing: 0.07em;
    margin-bottom: 12px;
  }

  #turnover-real-examples .re-cost-bars { display: flex; flex-direction: column; gap: 8px; }

  #turnover-real-examples .re-cost-row {
    display: grid;
    grid-template-columns: 170px 1fr 64px 72px;
    gap: 10px;
    align-items: center;
  }

  #turnover-real-examples .re-cost-name {
    font: 600 12.5px/1 "Inter",sans-serif;
    color: var(--re-text);
    display: flex;
    align-items: center;
    gap: 6px;
    white-space: nowrap;
  }

  #turnover-real-examples .re-cost-dot {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    flex-shrink: 0;
  }

  #turnover-real-examples .re-cost-bar-wrap {
    height: 7px;
    background: rgba(0,40,104,0.07);
    border-radius: 999px;
    overflow: hidden;
  }

  #turnover-real-examples .re-cost-bar-fill { height: 100%; border-radius: 999px; transition: width 0.5s cubic-bezier(0.16,1,0.3,1); }

  #turnover-real-examples .re-cost-pct {
    font: 600 11.5px/1 "Inter",sans-serif;
    color: var(--re-muted);
    text-align: right;
    white-space: nowrap;
  }

  #turnover-real-examples .re-cost-val {
    font: 700 13px/1 "Montserrat","Inter",sans-serif;
    text-align: right;
    white-space: nowrap;
  }

  /* Divider */
  #turnover-real-examples .re-divider { height: 1px; background: var(--re-border); border: none; }

  /* Bottom: context + lessons */
  #turnover-real-examples .re-bottom {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  #turnover-real-examples .re-context-title,
  #turnover-real-examples .re-lessons-title {
    font: 700 10px/1 "Montserrat","Inter",sans-serif;
    color: var(--re-navy);
    text-transform: uppercase;
    letter-spacing: 0.07em;
    margin-bottom: 8px;
    font-size: 10px;
  }

  #turnover-real-examples .re-context-body {
    font: 500 13px/1.7 "Inter",sans-serif;
    color: var(--re-muted);
    max-width: none;
    margin: 0;
  }

  #turnover-real-examples .re-context-body strong { color: var(--re-text); font-weight: 700; }

  #turnover-real-examples .re-lesson-list { display: flex; flex-direction: column; gap: 6px; }

  #turnover-real-examples .re-lesson {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font: 500 12.5px/1.55 "Inter",sans-serif;
    color: var(--re-muted);
  }

  #turnover-real-examples .re-lesson-icon {
    width: 18px;
    height: 18px;
    border-radius: 5px;
    display: grid;
    place-items: center;
    flex-shrink: 0;
    margin-top: 1px;
  }

  #turnover-real-examples .re-lesson strong { color: var(--re-text); font-weight: 700; }

  /* Source strip */
  #turnover-real-examples .re-source-strip {
    margin-top: 32px;
    padding: 14px 20px;
    border-radius: 12px;
    background: var(--re-bg-card);
    border: 1px solid var(--re-border);
    display: flex;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
  }

  #turnover-real-examples .re-source-text {
    font: 500 12px/1.6 "Inter",sans-serif;
    color: var(--re-muted);
    flex: 1;
    min-width: 200px;
    margin: 0;
  }

  #turnover-real-examples .re-source-text strong { color: var(--re-text); font-weight: 700; }

  #turnover-real-examples .re-src-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 5px 11px;
    border-radius: 999px;
    background: var(--re-bg);
    border: 1px solid var(--re-border);
    font: 600 11px/1 "Inter",sans-serif;
    color: var(--re-navy);
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.12s;
  }

  #turnover-real-examples .re-src-link:hover { background: var(--re-navy-bg); }

  /* Responsive */
  @media (max-width: 1000px) {
    #turnover-real-examples .re-case-inner { grid-template-columns: 1fr; }
    #turnover-real-examples .re-case-left { border-right: none; border-bottom: 1px solid var(--re-border); }
    #turnover-real-examples .re-bottom { grid-template-columns: 1fr; }
    #turnover-real-examples .re-cost-row { grid-template-columns: 140px 1fr 52px; }
    #turnover-real-examples .re-cost-pct { display: none; }
  }

  @media (max-width: 600px) {
    #turnover-real-examples { padding: 48px 16px; }
    #turnover-real-examples .re-kpis { grid-template-columns: 1fr 1fr; }
    #turnover-real-examples .re-case-right { padding: 18px; }
  }

  /* Arrow SVG */
  .re-ext-icon { flex-shrink: 0; }

  /* ── Pro Tips Section ── */
  #turnover-pro-tips {
    --pt-navy:      #002868;
    --pt-red:       #BF0A30;
    --pt-green:     #00875A;
    --pt-amber:     #D97706;
    --pt-blue:      #005f8a;
    --pt-text:      #0e1f35;
    --pt-muted:     #4f6070;
    --pt-faint:     #8fa0b0;
    --pt-border:    rgba(0,40,104,0.10);
    --pt-bg:        #ffffff;
    --pt-bg-soft:   #f5f7fb;
    --pt-navy-bg:   rgba(0,40,104,0.06);
    --pt-green-bg:  rgba(0,135,90,0.07);
    --pt-red-bg:    rgba(191,10,48,0.06);
    --pt-amber-bg:  rgba(217,119,6,0.08);
    --pt-max:       1240px;
    --pt-radius:    16px;
    background: var(--pt-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--pt-text);
  }

  #turnover-pro-tips * { box-sizing: border-box; }
  #turnover-pro-tips .pt-wrap { max-width: var(--pt-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-pro-tips .pt-header {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 24px;
    align-items: end;
    margin-bottom: 52px;
  }

  #turnover-pro-tips .pt-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--pt-navy-bg);
    color: var(--pt-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-pro-tips .pt-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--pt-navy);
    letter-spacing: -0.01em;
  }

  #turnover-pro-tips .pt-subtitle {
    margin: 0;
    color: var(--pt-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 60ch;
  }

  #turnover-pro-tips .pt-header-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: var(--pt-navy);
    color: #fff;
    flex-shrink: 0;
  }

  #turnover-pro-tips .pt-header-badge strong { font: 900 24px/1 "Montserrat",sans-serif; }
  #turnover-pro-tips .pt-header-badge span { font: 500 10px/1.3 "Inter",sans-serif; opacity: 0.65; text-align: center; margin-top: 2px; }

  /* ── Tips list ── */
  #turnover-pro-tips .pt-tips { display: flex; flex-direction: column; gap: 24px; }

  /* ── Individual tip card ── */
  #turnover-pro-tips .pt-tip {
    border-radius: var(--pt-radius);
    border: 1px solid var(--pt-border);
    background: var(--pt-bg);
    overflow: hidden;
    box-shadow: 0 3px 16px rgba(0,40,104,0.05);
    transition: box-shadow 0.2s ease;
  }

  #turnover-pro-tips .pt-tip:hover { box-shadow: 0 8px 32px rgba(0,40,104,0.10); }

  /* Alternating layout */
  #turnover-pro-tips .pt-tip-inner {
    display: grid;
    grid-template-columns: 280px 1fr;
    align-items: stretch;
  }

  #turnover-pro-tips .pt-tip:nth-child(even) .pt-tip-inner { direction: rtl; }
  #turnover-pro-tips .pt-tip:nth-child(even) .pt-tip-inner > * { direction: ltr; }

  /* Left panel */
  #turnover-pro-tips .pt-tip-left {
    padding: 28px 24px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    border-right: 1px solid var(--pt-border);
    position: relative;
  }

  #turnover-pro-tips .pt-tip:nth-child(even) .pt-tip-left { border-right: none; border-left: 1px solid var(--pt-border); }

  #turnover-pro-tips .pt-tip-num {
    font: 900 56px/0.9 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.04em;
    opacity: 0.08;
    position: absolute;
    top: 20px;
    right: 20px;
  }

  #turnover-pro-tips .pt-tip-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 11px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    width: fit-content;
  }

  #turnover-pro-tips .pt-tip-title {
    font: 800 18px/1.25 "Montserrat","Inter",sans-serif;
    color: var(--pt-text);
    letter-spacing: -0.01em;
    position: relative;
  }

  #turnover-pro-tips .pt-tip-impact {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 10px 14px;
    border-radius: 10px;
    border: 1px solid var(--pt-border);
    background: var(--pt-bg-soft);
    margin-top: auto;
  }

  #turnover-pro-tips .pt-impact-label { font: 600 10px/1 "Inter",sans-serif; text-transform: uppercase; letter-spacing: 0.07em; color: var(--pt-faint); }
  #turnover-pro-tips .pt-impact-val { font: 800 15px/1.2 "Montserrat","Inter",sans-serif; }
  #turnover-pro-tips .pt-impact-note { font: 500 11px/1.4 "Inter",sans-serif; color: var(--pt-muted); max-width: none; margin: 0; }

  /* Right content panel */
  #turnover-pro-tips .pt-tip-right {
    padding: 28px 32px;
    display: flex;
    flex-direction: column;
    gap: 18px;
  }

  #turnover-pro-tips .pt-tip-body {
    font: 500 14px/1.72 "Inter",sans-serif;
    color: var(--pt-muted);
    max-width: 68ch;
    margin: 0;
  }

  #turnover-pro-tips .pt-tip-body strong { color: var(--pt-text); font-weight: 700; }
  #turnover-pro-tips .pt-tip-body a { color: var(--pt-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

  /* Tactics grid */
  #turnover-pro-tips .pt-tactics { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }

  #turnover-pro-tips .pt-tactic {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 10px 12px;
    border-radius: 9px;
    background: var(--pt-bg-soft);
    border: 1px solid var(--pt-border);
  }

  #turnover-pro-tips .pt-tactic-dot { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; margin-top: 5px; }
  #turnover-pro-tips .pt-tactic-text { font: 500 12.5px/1.55 "Inter",sans-serif; color: var(--pt-muted); margin: 0; max-width: none; }
  #turnover-pro-tips .pt-tactic-text strong { color: var(--pt-text); font-weight: 700; }

  /* Mini interactive widget */
  #turnover-pro-tips .pt-widget {
    background: var(--pt-bg-soft);
    border: 1px solid var(--pt-border);
    border-radius: 12px;
    padding: 16px 18px;
  }

  #turnover-pro-tips .pt-widget-title { font: 700 10px/1 "Inter",sans-serif; text-transform: uppercase; letter-spacing: 0.07em; color: var(--pt-navy); margin-bottom: 12px; font-size: 10px; }

  #turnover-pro-tips .pt-widget-row { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }

  #turnover-pro-tips .pt-widget-group { display: flex; flex-direction: column; gap: 3px; }

  #turnover-pro-tips .pt-widget-label { font: 600 10px/1 "Inter",sans-serif; color: var(--pt-faint); text-transform: uppercase; letter-spacing: 0.06em; }

  #turnover-pro-tips .pt-widget-input-wrap {
    display: flex;
    align-items: center;
    background: var(--pt-bg);
    border: 1px solid var(--pt-border);
    border-radius: 7px;
    overflow: hidden;
  }

  #turnover-pro-tips .pt-widget-prefix {
    padding: 6px 8px;
    font: 600 12px/1 "Inter",sans-serif;
    color: var(--pt-faint);
    background: rgba(0,40,104,0.04);
    border-right: 1px solid var(--pt-border);
    white-space: nowrap;
  }

  #turnover-pro-tips .pt-widget-input {
    border: none;
    outline: none;
    background: transparent;
    padding: 6px 10px;
    font: 700 13px/1 "Inter",sans-serif;
    color: var(--pt-text);
    width: 80px;
  }

  #turnover-pro-tips .pt-widget-arrow { font: 700 16px/1 sans-serif; color: var(--pt-faint); flex-shrink: 0; }

  #turnover-pro-tips .pt-widget-result {
    padding: 7px 12px;
    border-radius: 8px;
    font: 700 13px/1.3 "Inter",sans-serif;
    min-width: 120px;
    flex-shrink: 0;
  }

  /* US callout strip */
  #turnover-pro-tips .pt-us-callout {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px;
    background: var(--pt-navy-bg);
    border-radius: 8px;
    border: 1px solid rgba(0,40,104,0.10);
    width: fit-content;
  }

  #turnover-pro-tips .pt-us-callout-text { font: 600 12px/1.5 "Inter",sans-serif; color: var(--pt-navy); margin: 0; max-width: none; }
  #turnover-pro-tips .pt-us-callout-text a { color: var(--pt-navy); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }

  /* Featured card */
  #turnover-pro-tips .pt-tip-right .pt-tip-inner-feat { background: var(--pt-navy); }

  /* Bottom CTA */
  #turnover-pro-tips .pt-cta-strip {
    margin-top: 40px;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 24px;
    align-items: center;
    padding: 24px 28px;
    background: var(--pt-navy);
    border-radius: var(--pt-radius);
  }

  #turnover-pro-tips .pt-cta-strip h3 { font: 800 18px/1.2 "Montserrat","Inter",sans-serif; color: #fff; margin-bottom: 4px; }
  #turnover-pro-tips .pt-cta-strip p { font: 500 13px/1.6 "Inter",sans-serif; color: rgba(255,255,255,0.65); margin: 0; max-width: 52ch; }

  #turnover-pro-tips .pt-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 22px;
    border-radius: 999px;
    background: #fff;
    color: var(--pt-navy);
    font: 700 14px/1 "Inter",sans-serif;
    text-decoration: none;
    white-space: nowrap;
    transition: transform 0.15s ease, background 0.15s ease;
    flex-shrink: 0;
  }

  #turnover-pro-tips .pt-cta-btn:hover { background: #e8edf8; transform: translateY(-1px); }

  /* Responsive */
  @media (max-width: 900px) {
    #turnover-pro-tips .pt-tip-inner,
    #turnover-pro-tips .pt-tip:nth-child(even) .pt-tip-inner {
      grid-template-columns: 1fr;
      direction: ltr;
    }
    #turnover-pro-tips .pt-tip-left,
    #turnover-pro-tips .pt-tip:nth-child(even) .pt-tip-left {
      border-right: none;
      border-left: none;
      border-bottom: 1px solid var(--pt-border);
    }
    #turnover-pro-tips .pt-tactics { grid-template-columns: 1fr; }
    #turnover-pro-tips .pt-header { grid-template-columns: 1fr; }
    #turnover-pro-tips .pt-header-badge { display: none; }
    #turnover-pro-tips .pt-cta-strip { grid-template-columns: 1fr; gap: 16px; }
  }

  @media (max-width: 580px) {
    #turnover-pro-tips { padding: 48px 16px; }
    #turnover-pro-tips .pt-tip-right { padding: 20px; }
    #turnover-pro-tips .pt-widget-row { flex-direction: column; align-items: flex-start; }
  }

  #turnover-faq {
    --fq-navy:    #002868;
    --fq-red:     #BF0A30;
    --fq-green:   #00875A;
    --fq-amber:   #D97706;
    --fq-text:    #0e1f35;
    --fq-muted:   #4f6070;
    --fq-faint:   #8fa0b0;
    --fq-border:  rgba(0,40,104,0.10);
    --fq-bg:      #f5f7fb;
    --fq-bg-card: #ffffff;
    --fq-navy-bg: rgba(0,40,104,0.06);
    --fq-green-bg:rgba(0,135,90,0.07);
    --fq-red-bg:  rgba(191,10,48,0.06);
    --fq-amber-bg:rgba(217,119,6,0.08);
    --fq-max:     1240px;
    --fq-radius:  14px;
    background: var(--fq-bg);
    padding: 72px 20px;
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--fq-text);
  }

  #turnover-faq * { box-sizing: border-box; }
  #turnover-faq .fq-wrap { max-width: var(--fq-max); margin: 0 auto; }

  /* ── Header ── */
  #turnover-faq .fq-header {
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 32px;
    align-items: start;
    margin-bottom: 40px;
  }

  #turnover-faq .fq-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--fq-navy-bg);
    color: var(--fq-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-faq .fq-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--fq-navy);
    letter-spacing: -0.01em;
  }

  #turnover-faq .fq-subtitle {
    margin: 0;
    color: var(--fq-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 54ch;
  }

  /* ── Search ── */
  #turnover-faq .fq-search-wrap { position: relative; align-self: center; }
  #turnover-faq .fq-search-icon { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--fq-faint); pointer-events: none; }

  #turnover-faq .fq-search {
    width: 100%;
    padding: 12px 14px 12px 42px;
    border: 1.5px solid var(--fq-border);
    border-radius: 10px;
    background: var(--fq-bg-card);
    font: 500 14px/1 "Inter",sans-serif;
    color: var(--fq-text);
    outline: none;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
  }

  #turnover-faq .fq-search:focus { border-color: var(--fq-navy); box-shadow: 0 0 0 3px rgba(0,40,104,0.08); }
  #turnover-faq .fq-search::placeholder { color: var(--fq-faint); }

  #turnover-faq .fq-count-badge { margin-top: 10px; font: 500 12px/1 "Inter",sans-serif; color: var(--fq-muted); }
  #turnover-faq .fq-count-badge strong { color: var(--fq-navy); font-weight: 700; }

  /* ── Category tabs ── */
  #turnover-faq .fq-cats { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }

  #turnover-faq .fq-cat-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 14px;
    border-radius: 999px;
    border: 1.5px solid var(--fq-border);
    background: var(--fq-bg-card);
    color: var(--fq-muted);
    font: 600 13px/1 "Inter",sans-serif;
    cursor: pointer;
    transition: all 0.15s ease;
    white-space: nowrap;
  }

  #turnover-faq .fq-cat-btn:hover { border-color: var(--fq-navy); color: var(--fq-navy); }
  #turnover-faq .fq-cat-btn.active { background: var(--fq-navy); border-color: var(--fq-navy); color: #fff; }

  #turnover-faq .fq-cat-count {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    font: 700 10px/1 "Inter",sans-serif;
    background: rgba(0,0,0,0.08);
    flex-shrink: 0;
  }

  #turnover-faq .fq-cat-btn.active .fq-cat-count { background: rgba(255,255,255,0.2); }

  /* ── Groups ── */
  #turnover-faq .fq-group { margin-bottom: 32px; }
  #turnover-faq .fq-group[data-hidden="true"] { display: none; }

  #turnover-faq .fq-group-header {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 12px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--fq-border);
  }

  #turnover-faq .fq-group-icon { width: 28px; height: 28px; border-radius: 8px; display: grid; place-items: center; flex-shrink: 0; }
  #turnover-faq .fq-group-title { font: 800 11px/1.2 "Montserrat","Inter",sans-serif; color: var(--fq-navy); text-transform: uppercase; letter-spacing: 0.06em; flex: 1; }
  #turnover-faq .fq-group-tally { font: 600 12px/1 "Inter",sans-serif; color: var(--fq-faint); }

  /* ── FAQ Items ── */
  #turnover-faq .fq-list { display: flex; flex-direction: column; gap: 6px; }

  #turnover-faq .fq-item {
    background: var(--fq-bg-card);
    border: 1px solid var(--fq-border);
    border-radius: var(--fq-radius);
    overflow: hidden;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
  }

  #turnover-faq .fq-item:hover { border-color: rgba(0,40,104,0.18); box-shadow: 0 2px 10px rgba(0,40,104,0.06); }
  #turnover-faq .fq-item.open { border-color: rgba(0,40,104,0.20); box-shadow: 0 4px 16px rgba(0,40,104,0.08); }
  #turnover-faq .fq-item[data-hidden="true"] { display: none; }

  #turnover-faq .fq-q {
    display: flex;
    align-items: center;
    gap: 12px;
    width: 100%;
    padding: 16px 18px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    transition: background 0.12s ease;
  }

  #turnover-faq .fq-q:hover { background: rgba(0,40,104,0.02); }
  #turnover-faq .fq-item.open .fq-q { background: rgba(0,40,104,0.03); }

  #turnover-faq .fq-q-num { font: 700 11px/1 "Courier New",monospace; color: var(--fq-faint); flex-shrink: 0; min-width: 24px; font-size: 11px; }
  #turnover-faq .fq-q-text { font: 600 14.5px/1.35 "Inter",sans-serif; color: var(--fq-text); flex: 1; }
  #turnover-faq .fq-item.open .fq-q-text { color: var(--fq-navy); }

  #turnover-faq .fq-toggle-icon {
    width: 28px;
    height: 28px;
    border-radius: 8px;
    display: grid;
    place-items: center;
    background: rgba(0,40,104,0.06);
    color: var(--fq-navy);
    flex-shrink: 0;
    transition: background 0.15s ease, transform 0.25s cubic-bezier(0.16,1,0.3,1);
  }

  #turnover-faq .fq-item.open .fq-toggle-icon { background: var(--fq-navy); color: #fff; transform: rotate(45deg); }

  #turnover-faq .fq-a-wrap { max-height: 0; overflow: hidden; transition: max-height 0.35s cubic-bezier(0.16,1,0.3,1); }
  #turnover-faq .fq-item.open .fq-a-wrap { max-height: 600px; }

  #turnover-faq .fq-a { padding: 0 18px 18px 54px; font: 500 14px/1.75 "Inter",sans-serif; color: var(--fq-muted); }
  #turnover-faq .fq-a p { margin: 0 0 10px; max-width: 80ch; }
  #turnover-faq .fq-a p:last-child { margin: 0; }
  #turnover-faq .fq-a strong { color: var(--fq-text); font-weight: 700; }
  #turnover-faq .fq-a a { color: var(--fq-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

  #turnover-faq .fq-a-formula {
    display: inline-block;
    padding: 8px 14px;
    border-radius: 8px;
    background: var(--fq-navy-bg);
    border: 1px solid rgba(0,40,104,0.12);
    font: 700 13px/1.4 "Courier New",monospace;
    color: var(--fq-navy);
    margin: 8px 0;
  }

  /* ── No Results ── */
  #turnover-faq .fq-no-results { display: none; text-align: center; padding: 48px 24px; color: var(--fq-muted); font: 500 15px/1.6 "Inter",sans-serif; }
  #turnover-faq .fq-no-results.visible { display: block; }
  #turnover-faq .fq-no-results strong { display: block; font: 700 18px/1.3 "Montserrat","Inter",sans-serif; color: var(--fq-text); margin-bottom: 8px; }

  /* ── Controls ── */
  #turnover-faq .fq-controls { display: flex; align-items: center; gap: 10px; margin-bottom: 20px; flex-wrap: wrap; }

  #turnover-faq .fq-ctrl-btn {
    padding: 7px 14px;
    border-radius: 8px;
    border: 1px solid var(--fq-border);
    background: var(--fq-bg-card);
    color: var(--fq-muted);
    font: 600 12.5px/1 "Inter",sans-serif;
    cursor: pointer;
    transition: all 0.12s ease;
  }

  #turnover-faq .fq-ctrl-btn:hover { border-color: var(--fq-navy); color: var(--fq-navy); }
  #turnover-faq .fq-visible-count { margin-left: auto; font: 500 12px/1 "Inter",sans-serif; color: var(--fq-faint); }

  /* ── Responsive ── */
  @media (max-width: 860px) { #turnover-faq .fq-header { grid-template-columns: 1fr; } }
  @media (max-width: 560px) { #turnover-faq { padding: 48px 16px; } #turnover-faq .fq-a { padding-left: 18px; } #turnover-faq .fq-q-num { display: none; } }

  /* ── How It Works Section ── */
  #turnover-how-it-works {
    --hiw-navy:      #002868;
    --hiw-red:       #BF0A30;
    --hiw-green:     #00875A;
    --hiw-amber:     #D97706;
    --hiw-text:      #0e1f35;
    --hiw-muted:     #4f6070;
    --hiw-faint:     #8fa0b0;
    --hiw-border:    rgba(0,40,104,0.10);
    --hiw-bg:        #f5f7fb;
    --hiw-bg-card:   #ffffff;
    --hiw-navy-bg:   rgba(0,40,104,0.06);
    --hiw-green-bg:  rgba(0,135,90,0.07);
    --hiw-red-bg:    rgba(191,10,48,0.06);
    --hiw-amber-bg:  rgba(217,119,6,0.08);
    --hiw-max:       1240px;
    --hiw-radius:    16px;
    background: var(--hiw-bg);
    padding: 72px 20px;
    border-top: 1px solid rgba(0,40,104,0.08);
    border-bottom: 1px solid rgba(0,40,104,0.08);
    font-family: "Inter", system-ui, sans-serif;
    color: var(--hiw-text);
  }

  #turnover-how-it-works * { box-sizing: border-box; }

  #turnover-how-it-works .hiw-wrap {
    max-width: var(--hiw-max);
    margin: 0 auto;
  }

  /* ── Header ── */
  #turnover-how-it-works .hiw-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 52px;
    flex-wrap: wrap;
  }

  #turnover-how-it-works .hiw-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 6px 14px;
    border-radius: 999px;
    background: var(--hiw-navy-bg);
    color: var(--hiw-navy);
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.09em;
    text-transform: uppercase;
    margin-bottom: 14px;
  }

  #turnover-how-it-works .hiw-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,34px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--hiw-navy);
    letter-spacing: -0.01em;
  }

  #turnover-how-it-works .hiw-subtitle {
    margin: 0;
    color: var(--hiw-muted);
    font: 500 15px/1.7 "Inter",sans-serif;
    max-width: 58ch;
  }

  #turnover-how-it-works .hiw-time-badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    width: 82px;
    height: 82px;
    border-radius: 50%;
    background: var(--hiw-navy);
    color: #fff;
    flex-shrink: 0;
    align-self: center;
  }

  #turnover-how-it-works .hiw-time-badge strong {
    font: 900 22px/1 "Montserrat",sans-serif;
  }

  #turnover-how-it-works .hiw-time-badge span {
    font: 500 10px/1.3 "Inter",sans-serif;
    opacity: 0.65;
    text-align: center;
    margin-top: 3px;
  }

  /* ── Steps grid — 3 rows × 2 cols, asymmetric ── */
  #turnover-how-it-works .hiw-steps {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    position: relative;
    margin-bottom: 44px;
  }

  /* Vertical spine */
  #turnover-how-it-works .hiw-steps::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 28px;
    bottom: 28px;
    width: 1px;
    background: linear-gradient(to bottom, transparent, rgba(0,40,104,0.15) 10%, rgba(0,40,104,0.15) 90%, transparent);
    transform: translateX(-50%);
    pointer-events: none;
  }

  /* Individual step */
  #turnover-how-it-works .hiw-step {
    padding: 28px 32px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    position: relative;
    transition: background 0.2s ease;
  }

  #turnover-how-it-works .hiw-step.left  { padding-right: 48px; border-bottom: 1px solid rgba(0,40,104,0.07); }
  #turnover-how-it-works .hiw-step.right { padding-left: 48px;  border-bottom: 1px solid rgba(0,40,104,0.07); }
  #turnover-how-it-works .hiw-step.last-left  { border-bottom: none; padding-right: 48px; }
  #turnover-how-it-works .hiw-step.last-right { border-bottom: none; padding-left: 48px; }

  #turnover-how-it-works .hiw-step:hover { background: rgba(0,40,104,0.025); border-radius: var(--hiw-radius); }

  /* Step number as large bg watermark */
  #turnover-how-it-works .hiw-step-num-bg {
    position: absolute;
    top: 16px;
    right: 20px;
    font: 900 52px/1 "Montserrat",sans-serif;
    opacity: 0.055;
    color: var(--hiw-navy);
    pointer-events: none;
    letter-spacing: -0.04em;
  }

  #turnover-how-it-works .hiw-step.right .hiw-step-num-bg { right: auto; left: 20px; }

  /* Step top row */
  #turnover-how-it-works .hiw-step-top { display: flex; align-items: center; gap: 12px; }

  #turnover-how-it-works .hiw-step-num {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    font: 800 15px/1 "Montserrat",sans-serif;
    flex-shrink: 0;
    transition: transform 0.2s ease;
  }

  #turnover-how-it-works .hiw-step:hover .hiw-step-num { transform: scale(1.08); }

  #turnover-how-it-works .hiw-step-num.navy  { background: var(--hiw-navy);  color: #fff; }
  #turnover-how-it-works .hiw-step-num.red   { background: var(--hiw-red);   color: #fff; }
  #turnover-how-it-works .hiw-step-num.green { background: var(--hiw-green); color: #fff; }
  #turnover-how-it-works .hiw-step-num.amber { background: var(--hiw-amber); color: #fff; }

  #turnover-how-it-works .hiw-step-tag {
    display: inline-flex;
    align-items: center;
    padding: 4px 10px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.05em;
    text-transform: uppercase;
  }

  #turnover-how-it-works .hiw-step-tag.navy  { background: var(--hiw-navy-bg);  color: var(--hiw-navy); }
  #turnover-how-it-works .hiw-step-tag.red   { background: var(--hiw-red-bg);   color: var(--hiw-red); }
  #turnover-how-it-works .hiw-step-tag.green { background: var(--hiw-green-bg); color: var(--hiw-green); }
  #turnover-how-it-works .hiw-step-tag.amber { background: var(--hiw-amber-bg); color: var(--hiw-amber); }

  #turnover-how-it-works .hiw-step h3 {
    margin: 0;
    font: 800 17px/1.25 "Montserrat","Inter",sans-serif;
    color: var(--hiw-text);
    letter-spacing: -0.01em;
  }

  #turnover-how-it-works .hiw-step p {
    margin: 0;
    color: var(--hiw-muted);
    font: 500 14px/1.72 "Inter",sans-serif;
    max-width: 44ch;
    flex: 1;
  }

  /* Insight callout */
  #turnover-how-it-works .hiw-callout {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    padding: 10px 14px;
    border-radius: 10px;
    background: var(--hiw-bg-card);
    border: 1px solid rgba(0,40,104,0.10);
    margin-top: 4px;
  }

  #turnover-how-it-works .hiw-callout svg { flex-shrink: 0; margin-top: 2px; }

  #turnover-how-it-works .hiw-callout-text {
    font: 600 12.5px/1.6 "Inter",sans-serif;
    color: var(--hiw-text);
    margin: 0;
    max-width: none;
  }

  #turnover-how-it-works .hiw-callout-text strong { font-weight: 800; }
  #turnover-how-it-works .hiw-callout-text a { color: var(--hiw-navy); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }

  /* ── Feature pills ── */
  #turnover-how-it-works .hiw-features {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    padding-top: 36px;
    border-top: 1px solid rgba(0,40,104,0.08);
  }

  #turnover-how-it-works .hiw-feat-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 16px;
    border-radius: 999px;
    background: var(--hiw-bg-card);
    border: 1px solid rgba(0,40,104,0.12);
    font: 600 13px/1 "Inter",sans-serif;
    color: var(--hiw-text);
    white-space: nowrap;
    box-shadow: 0 1px 3px rgba(0,40,104,0.06);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
  }

  #turnover-how-it-works .hiw-feat-pill:hover {
    border-color: rgba(0,40,104,0.25);
    box-shadow: 0 3px 10px rgba(0,40,104,0.10);
  }

  #turnover-how-it-works .hiw-feat-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    flex-shrink: 0;
  }

  /* ── Responsive ── */
  @media (max-width: 860px) {
    #turnover-how-it-works .hiw-steps { grid-template-columns: 1fr; }
    #turnover-how-it-works .hiw-steps::before { display: none; }
    #turnover-how-it-works .hiw-step.left,
    #turnover-how-it-works .hiw-step.right,
    #turnover-how-it-works .hiw-step.last-left,
    #turnover-how-it-works .hiw-step.last-right { padding: 24px 20px; border-bottom: 1px solid rgba(0,40,104,0.07); }
    #turnover-how-it-works .hiw-step.last-left,
    #turnover-how-it-works .hiw-step.last-right { border-bottom: none; }
    #turnover-how-it-works .hiw-header { flex-direction: column; align-items: flex-start; }
    #turnover-how-it-works .hiw-time-badge { display: none; }
  }

  @media (max-width: 520px) {
    #turnover-how-it-works { padding: 48px 16px; }
    #turnover-how-it-works .hiw-features { gap: 8px; }
    #turnover-how-it-works .hiw-feat-pill { font-size: 12px; padding: 8px 12px; }
  }

.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

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

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

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

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

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