:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-hover:#9B0826;--green:#00875A;--green-dark:#006644;--white:#fff;--charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--good-bg:#ECFDF5;--good-br:#A7F3D0;--good-tx:#065F46;--warn-bg:#FFF9F0;--warn-br:#F6E0B5;--warn-tx:#9A6C11;--bad-bg:#FEF2F2;--bad-br:#FECACA;--bad-tx:#991B1B;--shadow-sm:0 1px 4px rgba(0,40,104,.08);--shadow-md:0 4px 20px rgba(0,40,104,.12);--shadow-lg:0 8px 40px rgba(0,40,104,.16)}
    *{box-sizing:border-box;margin:0;padding:0}
    html,body{overflow-x:hidden;max-width:100vw;scroll-behavior:smooth}
    body{font-family:Inter,sans-serif;background:var(--bg);color:var(--charcoal);line-height:1.6;-webkit-font-smoothing:antialiased}
    .calc-wrap{max-width:1260px;margin:34px auto;padding:0 18px 40px}
    .calc-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .calc-head{padding:30px 28px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 62%,#003d8c 100%);position:relative;overflow:hidden;border-bottom:4px solid var(--red)}
    .calc-head:before{content:"";position:absolute;top:-70px;right:-50px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle, rgba(191,10,48,.18) 0, rgba(191,10,48,0) 72%)}
    .calc-head:after{content:"";position:absolute;left:-80px;bottom:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle, rgba(0,135,90,.12) 0, rgba(0,135,90,0) 72%)}
    .calc-head-inner{position:relative;z-index:1;display:flex;justify-content:space-between;align-items:flex-start;gap:18px;flex-wrap:wrap}
    .calc-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#fff;padding:6px 12px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
    .calc-kicker i{width:8px;height:8px;border-radius:50%;background:var(--green)}
    .calc-head h1{font:800 clamp(28px,4.2vw,40px)/1.12 Montserrat,sans-serif;letter-spacing:-.5px;color:#fff;margin-bottom:12px;max-width:780px}
    .calc-head p{font-size:15px;color:rgba(255,255,255,.78);max-width:760px}
    .calc-badges{display:flex;gap:8px;flex-wrap:wrap}
    .calc-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);color:#fff;padding:7px 12px;border-radius:999px;font-size:11.5px;font-weight:700}
    .calc-body{display:grid;grid-template-columns:minmax(380px,500px) 1fr;min-width:0}
    .panel{padding:26px;min-width:0}.panel.inputs{border-right:1px solid var(--border)}.panel.results{background:var(--bg)}
    .sec-title{margin-bottom:22px}.sec-title h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}
    .help{font-size:12px;font-weight:600;color:var(--gray);background:#eef2f7;padding:6px 10px;border-radius:8px}
    .mode-tabs{display:flex;gap:6px;flex-wrap:wrap;background:var(--bg);border:1px solid var(--border);padding:4px;border-radius:10px;margin-bottom:24px}
    .mode-btn{flex:1;min-width:116px;border:none;background:transparent;border-radius:8px;padding:11px 10px;font:700 12px Montserrat,sans-serif;color:var(--gray);cursor:pointer;transition:.2s}
    .mode-btn.active,.mode-btn:hover{background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}
    .field{margin-bottom:18px} label{display:block;font:700 12.5px Montserrat,sans-serif;color:var(--charcoal);margin-bottom:8px}
    .row2,.row3{display:grid;gap:14px}.row2{grid-template-columns:1fr 1fr}.row3{grid-template-columns:repeat(3,1fr)}
    .input-wrap{position:relative;display:flex;align-items:center}.prefix,.suffix{position:absolute;z-index:2;font-size:13px;font-weight:700;color:var(--gray);pointer-events:none}.prefix{left:14px}.suffix{right:14px}
    .has-prefix input{padding-left:30px}.has-suffix input{padding-right:32px}
    input,select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;font:500 14px Inter,sans-serif;background:var(--bg);color:var(--charcoal);outline:none;transition:.2s;-webkit-appearance:none}
    input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1);background:#fff}
    select{cursor:pointer;background:var(--bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%235F6368'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'/%3E%3C/svg%3E") no-repeat right 10px center/14px;padding-right:34px}
    .note{font-size:12px;color:var(--gray);line-height:1.45;margin-top:6px}
    .box{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;margin:20px 0;box-shadow:var(--shadow-sm)}
    .box h3{font:700 15px Montserrat,sans-serif;color:var(--navy);margin-bottom:12px;padding-bottom:10px;border-bottom:1px solid var(--border)}
    .env-grid{display:grid;gap:10px}
    .env-row{display:grid;grid-template-columns:1.25fr .8fr .8fr;gap:10px;align-items:end}
    .env-row .mini-label{font-size:11px;font-weight:700;color:var(--gray);margin-bottom:6px;display:block}
    .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;padding-top:20px;border-top:1px solid var(--border)}
    .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;border-radius:10px;padding:12px 16px;font:700 13px Montserrat,sans-serif;cursor:pointer;transition:.2s}
    .btn-primary{background:var(--red);color:#fff;flex:1;min-width:190px}.btn-primary:hover{background:var(--red-hover);transform:translateY(-1px)}
    .btn-secondary{background:var(--navy);color:#fff}.btn-secondary:hover{background:var(--navy-mid);transform:translateY(-1px)}
    .btn-wa{background:var(--green);color:#fff}.btn-wa:hover{background:var(--green-dark)}
    .btn-ghost{background:#fff;color:var(--navy);border:1.5px solid var(--border)}.btn-ghost:hover{border-color:var(--navy)}
    .hidden{display:none!important}
    .results-top{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px}
    .kpi{background:#fff;border:1.5px solid var(--border);border-radius:14px;padding:16px;box-shadow:var(--shadow-sm)}
    .kpi.featured{background:var(--navy);border-color:var(--navy)}
    .k-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.06em}.featured .k-label,.featured .k-sub{color:rgba(255,255,255,.72)}
    .k-value{display:block;margin-top:6px;font:800 clamp(21px,3.7vw,28px)/1.16 Montserrat,sans-serif;color:var(--navy-dark)}.featured .k-value{color:#fff}
    .k-sub{display:block;margin-top:6px;font-size:11.5px;color:#97A0A9}
    .alert{border-radius:12px;padding:16px 18px;margin-bottom:20px;font-size:14px;font-weight:500;line-height:1.6;display:flex;gap:12px;align-items:flex-start}
    .alert.good{background:var(--good-bg);border:1px solid var(--good-br);color:var(--good-tx)}.alert.warn{background:var(--warn-bg);border:1px solid var(--warn-br);color:var(--warn-tx)}.alert.bad{background:var(--bad-bg);border:1px solid var(--bad-br);color:var(--bad-tx)}
    .card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;margin-bottom:16px;box-shadow:var(--shadow-sm)}.card h3{font:700 16px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:14px}
    .bars{display:flex;flex-direction:column;gap:10px}.bar-row{display:grid;grid-template-columns:136px 1fr 90px;align-items:center;gap:12px}.bar-label{font-size:12px;font-weight:700;color:var(--charcoal)}
    .bar-track{height:12px;background:var(--border);border-radius:999px;overflow:hidden}.bar-fill{height:100%;border-radius:999px;transition:width .35s ease}.fill-cash{background:var(--navy)}.fill-checking{background:var(--red)}.fill-buffer{background:var(--green)}
    .bar-text{text-align:right;font-size:12px;font-weight:700;color:var(--charcoal);font-variant-numeric:tabular-nums}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:12px} table{width:100%;border-collapse:collapse;min-width:760px;background:#fff} th,td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:13.5px}
    th{font:700 11px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--gray);background:var(--bg)} tr:last-child td{border-bottom:none}
    .scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.scenario-item{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:14px 15px}.si-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.05em}.si-value{font:800 23px Montserrat,sans-serif;color:var(--navy-dark);margin-top:5px}.scenario-item.good .si-value{color:var(--green)}.scenario-item.bad .si-value{color:var(--red)}
    canvas{max-height:300px}.ad-slot{margin-top:18px;background:#fff;border:1px dashed var(--border);border-radius:14px;padding:14px;text-align:center;color:var(--gray);font-size:13px}
    @media (max-width:1080px){.calc-body{grid-template-columns:1fr}.panel.inputs{border-right:none;border-bottom:1px solid var(--border)}}
    @media (max-width:768px){.calc-wrap{padding:0 12px 28px;margin-top:18px}.calc-head{padding:22px 16px}.panel{padding:18px 14px}.row2,.row3,.results-top,.scenario-grid,.env-row{grid-template-columns:1fr}.actions{flex-direction:column}.btn{width:100%}.mode-tabs{flex-direction:column}.bar-row{grid-template-columns:90px 1fr 74px}}
     /* ── How to Use Section ── */
    .howto-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .howto-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .howto-head{padding:24px 28px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .howto-head h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;align-items:center;gap:10px}
    .howto-head h2 span{color:var(--red)}
    .howto-head-badge{display:inline-flex;align-items:center;gap:6px;background:var(--good-bg);border:1px solid var(--good-br);color:var(--good-tx);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .howto-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--green)}
    .howto-body{padding:28px}
    .howto-intro{font-size:14.5px;color:var(--gray);line-height:1.65;max-width:820px;margin-bottom:28px}
    .howto-timeline{position:relative;padding-left:52px}
    .howto-timeline::before{content:"";position:absolute;left:22px;top:8px;bottom:8px;width:3px;border-radius:3px;background:linear-gradient(180deg,var(--navy) 0%,var(--red) 50%,var(--green) 100%)}
    .howto-step{position:relative;margin-bottom:28px}
    .howto-step:last-child{margin-bottom:0}
    .howto-dot{position:absolute;left:-52px;top:2px;width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font:800 16px Montserrat,sans-serif;color:#fff;box-shadow:var(--shadow-sm);z-index:2}
    .dot-navy{background:var(--navy)}.dot-red{background:var(--red)}.dot-green{background:var(--green)}.dot-dark{background:var(--navy-dark)}
    .howto-step h3{font:700 16px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:6px;line-height:1.3;padding-top:2px}
    .howto-step h3 .step-tag{display:inline-block;font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.07em;padding:3px 8px;border-radius:999px;vertical-align:middle;margin-left:8px}
    .tag-required{background:rgba(191,10,48,.08);color:var(--red)}
    .tag-optional{background:rgba(0,135,90,.08);color:var(--green)}
    .tag-recommended{background:rgba(0,40,104,.08);color:var(--navy)}
    .howto-step p{font-size:13.5px;color:var(--gray);line-height:1.6;margin-top:4px;max-width:700px}
    .howto-tips{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:12px}
    .howto-tip{display:flex;gap:10px;align-items:flex-start;background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:12px 14px}
    .howto-tip-icon{width:28px;height:28px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .hti-navy{background:rgba(0,40,104,.08)}
    .hti-navy svg{stroke:var(--navy)}
    .hti-red{background:rgba(191,10,48,.08)}
    .hti-red svg{stroke:var(--red)}
    .hti-green{background:rgba(0,135,90,.08)}
    .hti-green svg{stroke:var(--green)}
    .howto-tip-icon svg{width:14px;height:14px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .howto-tip span{font-size:12.5px;color:var(--charcoal);line-height:1.5;font-weight:500}
    .howto-modes{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:14px}
    .howto-mode-card{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:14px;transition:.2s}
    .howto-mode-card:hover{border-color:var(--navy);box-shadow:var(--shadow-sm)}
    .hmc-icon{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
    .hmc-icon svg{width:18px;height:18px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .howto-mode-card h4{font:700 12.5px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:4px}
    .howto-mode-card p{font-size:11.5px;color:var(--gray);line-height:1.45}
    .howto-cta{display:flex;align-items:center;gap:14px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:14px;padding:20px 24px;margin-top:28px}
    .howto-cta-icon{width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .howto-cta-icon svg{width:22px;height:22px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .howto-cta div{flex:1}
    .howto-cta h4{font:700 14px Montserrat,sans-serif;color:#fff;margin-bottom:4px}
    .howto-cta p{font-size:12.5px;color:rgba(255,255,255,.72);line-height:1.5}
    @media(max-width:960px){.howto-modes{grid-template-columns:1fr 1fr}}
    @media(max-width:768px){
      .howto-section{padding:0 12px}
      .howto-head{padding:18px 16px}
      .howto-body{padding:20px 16px}
      .howto-timeline{padding-left:44px}
      .howto-timeline::before{left:18px}
      .howto-dot{left:-44px;width:36px;height:36px;border-radius:10px;font-size:14px}
      .howto-tips,.howto-modes{grid-template-columns:1fr}
      .howto-cta{flex-direction:column;text-align:center;padding:18px}
    }
     /* ── Educational Content Section ── */
    .edu-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .edu-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .edu-head{padding:24px 28px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .edu-head h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;align-items:center;gap:10px}
    .edu-head h2 span{color:var(--red)}
    .edu-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:var(--navy);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .edu-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--navy)}
    .edu-body{padding:28px}
    .edu-intro{font-size:14.5px;color:var(--gray);line-height:1.65;max-width:840px;margin-bottom:28px}

    /* Hero definition card */
    .edu-hero{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-bottom:30px}
    .edu-hero-main{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:16px;padding:28px;color:#fff;position:relative;overflow:hidden}
    .edu-hero-main::after{content:"";position:absolute;right:-30px;bottom:-30px;width:140px;height:140px;border-radius:50%;background:rgba(255,255,255,.04)}
    .edu-hero-main h3{font:800 18px Montserrat,sans-serif;margin-bottom:10px;color:#fff}
    .edu-hero-main p{font-size:14px;color:rgba(255,255,255,.78);line-height:1.65}
    .edu-hero-main .edu-formula{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:14px 16px;margin-top:14px;font:600 14px 'Inter',sans-serif;color:#fff;text-align:center;letter-spacing:.3px}
    .edu-hero-side{display:flex;flex-direction:column;gap:12px}
    .edu-stat-card{flex:1;background:var(--bg);border:1px solid var(--border);border-radius:14px;padding:16px 18px;display:flex;align-items:flex-start;gap:12px}
    .edu-stat-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .edu-stat-icon svg{width:18px;height:18px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .esi-navy{background:rgba(0,40,104,.08)}.esi-navy svg{stroke:var(--navy)}
    .esi-red{background:rgba(191,10,48,.08)}.esi-red svg{stroke:var(--red)}
    .esi-green{background:rgba(0,135,90,.08)}.esi-green svg{stroke:var(--green)}
    .edu-stat-card h4{font:700 13.5px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:3px}
    .edu-stat-card p{font-size:12.5px;color:var(--gray);line-height:1.5}

    /* History timeline */
    .edu-history{margin-bottom:30px}
    .edu-sh{font:800 17px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:16px;display:flex;align-items:center;gap:8px}
    .edu-sh svg{width:20px;height:20px;fill:none;stroke:var(--red);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .edu-tml{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
    .edu-era{background:var(--bg);border:1px solid var(--border);border-radius:14px;padding:18px;position:relative;transition:.2s}
    .edu-era:hover{border-color:var(--navy);box-shadow:var(--shadow-sm)}
    .edu-era-dot{width:10px;height:10px;border-radius:50%;margin-bottom:10px}
    .era-navy{background:var(--navy)}.era-red{background:var(--red)}.era-green{background:var(--green)}.era-dark{background:var(--charcoal)}
    .edu-era h4{font:700 12px Montserrat,sans-serif;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:4px}
    .edu-era h5{font:700 14px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:6px}
    .edu-era p{font-size:12.5px;color:var(--gray);line-height:1.55}

    /* Methods grid */
    .edu-methods{margin-bottom:30px}
    .edu-meth-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
    .edu-meth-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px 20px;transition:.2s}
    .edu-meth-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .edu-meth-top{display:flex;align-items:center;gap:12px;margin-bottom:12px}
    .edu-meth-num{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font:800 15px Montserrat,sans-serif;color:#fff;flex-shrink:0}
    .emn-navy{background:var(--navy)}.emn-red{background:var(--red)}.emn-green{background:var(--green)}.emn-dark{background:var(--charcoal)}
    .edu-meth-card h4{font:700 14.5px Montserrat,sans-serif;color:var(--navy-dark)}
    .edu-meth-tag{display:inline-block;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;margin-top:4px}
    .mt-beginner{background:rgba(0,135,90,.08);color:var(--green)}
    .mt-intermediate{background:rgba(0,40,104,.08);color:var(--navy)}
    .mt-advanced{background:rgba(191,10,48,.08);color:var(--red)}
    .edu-meth-card p{font-size:13px;color:var(--gray);line-height:1.6;margin-top:10px}
    .edu-meth-card ul{margin:10px 0 0 14px;padding:0}
    .edu-meth-card ul li{font-size:12.5px;color:var(--gray);line-height:1.55;margin-bottom:4px}
    .edu-meth-card ul li strong{color:var(--charcoal)}

    /* Pros and cons */
    .edu-proscons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:30px}
    .edu-pc{border-radius:14px;padding:22px 20px}
    .edu-pc.pros{background:rgba(0,135,90,.04);border:1px solid rgba(0,135,90,.15)}
    .edu-pc.cons{background:rgba(191,10,48,.04);border:1px solid rgba(191,10,48,.15)}
    .edu-pc h3{font:700 15px Montserrat,sans-serif;margin-bottom:12px;display:flex;align-items:center;gap:8px}
    .edu-pc.pros h3{color:var(--green)}.edu-pc.cons h3{color:var(--red)}
    .edu-pc h3 svg{width:18px;height:18px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .edu-pc.pros h3 svg{stroke:var(--green)}.edu-pc.cons h3 svg{stroke:var(--red)}
    .edu-pc ul{margin:0 0 0 14px;padding:0}
    .edu-pc ul li{font-size:13px;color:var(--charcoal);line-height:1.6;margin-bottom:6px}

    /* Comparison table */
    .edu-compare{margin-bottom:28px;overflow-x:auto;-webkit-overflow-scrolling:touch}
    .edu-compare table{width:100%;min-width:640px;border-collapse:collapse}
    .edu-compare th{background:var(--navy);color:#fff;font:700 12px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;padding:12px 14px;text-align:left}
    .edu-compare th:first-child{border-radius:10px 0 0 0}
    .edu-compare th:last-child{border-radius:0 10px 0 0}
    .edu-compare td{padding:11px 14px;font-size:13px;color:var(--charcoal);border-bottom:1px solid var(--border);line-height:1.5}
    .edu-compare tr:nth-child(even) td{background:var(--bg)}
    .edu-compare .check{color:var(--green);font-weight:700}.edu-compare .cross{color:var(--red);font-weight:700}

    /* Bottom CTA */
    .edu-cta{display:flex;align-items:center;gap:14px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:14px;padding:20px 24px}
    .edu-cta-icon{width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .edu-cta-icon svg{width:22px;height:22px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .edu-cta div{flex:1}
    .edu-cta h4{font:700 14px Montserrat,sans-serif;color:#fff;margin-bottom:4px}
    .edu-cta p{font-size:12.5px;color:rgba(255,255,255,.72);line-height:1.5}

    @media(max-width:960px){
      .edu-hero,.edu-proscons{grid-template-columns:1fr}
      .edu-tml{grid-template-columns:1fr 1fr}
      .edu-meth-grid{grid-template-columns:1fr}
    }
    @media(max-width:768px){
      .edu-section{padding:0 12px}
      .edu-head{padding:18px 16px}
      .edu-body{padding:20px 16px}
      .edu-hero-main{padding:20px}
      .edu-tml{grid-template-columns:1fr}
      .edu-cta{flex-direction:column;text-align:center;padding:18px}
    }
 /* ── Real US Examples Section ── */
    .examples-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .examples-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .examples-head{padding:24px 28px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .examples-head h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;align-items:center;gap:10px}
    .examples-head h2 span{color:var(--red)}
    .examples-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.14);color:var(--red);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .examples-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--red)}
    .examples-body{padding:28px}
    .examples-intro{font-size:14.5px;color:var(--gray);line-height:1.65;max-width:840px;margin-bottom:28px}

    /* Example card */
    .ex-card{border:1px solid var(--border);border-radius:16px;overflow:hidden;margin-bottom:22px;transition:.2s}
    .ex-card:last-child{margin-bottom:0}
    .ex-card:hover{box-shadow:var(--shadow-sm)}
    .ex-card-header{display:flex;align-items:center;gap:14px;padding:20px 22px;cursor:pointer;user-select:none;background:var(--bg)}
    .ex-card-header:hover{background:#eef1f6}
    .ex-num{width:40px;height:40px;border-radius:12px;display:flex;align-items:center;justify-content:center;font:800 16px Montserrat,sans-serif;color:#fff;flex-shrink:0}
    .exn-1{background:var(--navy)}.exn-2{background:var(--red)}.exn-3{background:var(--green)}.exn-4{background:var(--navy-dark)}.exn-5{background:#7B61FF}
    .ex-card-header .ex-meta{flex:1}
    .ex-card-header h3{font:700 15.5px Montserrat,sans-serif;color:var(--navy-dark);line-height:1.3}
    .ex-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:5px}
    .ex-tag{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px}
    .ext-mode{background:rgba(0,40,104,.07);color:var(--navy)}
    .ext-income{background:rgba(0,135,90,.07);color:var(--green)}
    .ext-location{background:rgba(191,10,48,.07);color:var(--red)}
    .ext-type{background:rgba(29,29,31,.06);color:var(--charcoal)}
    .ex-chevron{width:28px;height:28px;border-radius:8px;background:rgba(0,40,104,.07);display:flex;align-items:center;justify-content:center;transition:transform .3s;flex-shrink:0}
    .ex-chevron svg{width:14px;height:14px;fill:none;stroke:var(--navy);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .ex-card.open .ex-chevron{transform:rotate(180deg);background:var(--navy)}
    .ex-card.open .ex-chevron svg{stroke:#fff}
    .ex-card.open .ex-card-header{border-bottom:1px solid var(--border)}

    /* Example expanded body */
    .ex-card-body{max-height:0;overflow:hidden;transition:max-height .4s ease}
    .ex-card.open .ex-card-body{max-height:2000px}
    .ex-inner{padding:22px}

    /* Profile row */
    .ex-profile{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}
    .ex-pf{display:flex;align-items:flex-start;gap:10px;background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:12px}
    .ex-pf-icon{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .ex-pf-icon svg{width:14px;height:14px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .epi-navy{background:rgba(0,40,104,.08)}.epi-navy svg{stroke:var(--navy)}
    .epi-red{background:rgba(191,10,48,.08)}.epi-red svg{stroke:var(--red)}
    .epi-green{background:rgba(0,135,90,.08)}.epi-green svg{stroke:var(--green)}
    .epi-dark{background:rgba(29,29,31,.06)}.epi-dark svg{stroke:var(--charcoal)}
    .ex-pf h5{font:700 10px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--gray);margin-bottom:2px}
    .ex-pf p{font-size:13px;color:var(--charcoal);font-weight:600;line-height:1.3}

    /* Scenario description */
    .ex-scenario{font-size:13.5px;color:var(--gray);line-height:1.65;margin-bottom:18px;padding:14px 16px;background:var(--bg);border-radius:10px;border-left:3px solid var(--navy)}

    /* Envelope table */
    .ex-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-bottom:16px;border-radius:10px;border:1px solid var(--border)}
    .ex-table{width:100%;min-width:560px;border-collapse:collapse}
    .ex-table th{background:var(--navy);color:#fff;font:700 11px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;padding:10px 14px;text-align:left}
    .ex-table th:first-child{border-radius:9px 0 0 0}
    .ex-table th:last-child{border-radius:0 9px 0 0}
    .ex-table td{padding:10px 14px;font-size:13px;color:var(--charcoal);border-bottom:1px solid var(--border)}
    .ex-table tr:nth-child(even) td{background:var(--bg)}
    .ex-table .total-row td{font-weight:700;background:rgba(0,40,104,.04);border-top:2px solid var(--navy)}

    /* Results KPI mini row */
    .ex-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
    .ex-kpi{background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:12px 14px;text-align:center}
    .ex-kpi.featured{background:var(--navy);border-color:var(--navy)}
    .ex-kpi h5{font:700 10px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--gray);margin-bottom:4px}
    .ex-kpi.featured h5{color:rgba(255,255,255,.65)}
    .ex-kpi .val{font:800 20px Montserrat,sans-serif;color:var(--navy-dark)}
    .ex-kpi.featured .val{color:#fff}

    /* Outcome callout */
    .ex-outcome{display:flex;gap:12px;align-items:flex-start;padding:14px 16px;border-radius:10px}
    .ex-outcome.good{background:var(--good-bg);border:1px solid var(--good-br)}
    .ex-outcome.warn{background:#FFF8E1;border:1px solid #FFE082}
    .ex-outcome.great{background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.15)}
    .ex-outcome-icon{width:28px;height:28px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .ex-outcome.good .ex-outcome-icon{background:rgba(0,135,90,.12)}
    .ex-outcome.good .ex-outcome-icon svg{stroke:var(--green)}
    .ex-outcome.warn .ex-outcome-icon{background:rgba(191,10,48,.1)}
    .ex-outcome.warn .ex-outcome-icon svg{stroke:var(--red)}
    .ex-outcome.great .ex-outcome-icon{background:rgba(0,40,104,.1)}
    .ex-outcome.great .ex-outcome-icon svg{stroke:var(--navy)}
    .ex-outcome-icon svg{width:14px;height:14px;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .ex-outcome div h4{font:700 13px Montserrat,sans-serif;margin-bottom:3px}
    .ex-outcome.good div h4{color:var(--green)}
    .ex-outcome.warn div h4{color:var(--red)}
    .ex-outcome.great div h4{color:var(--navy)}
    .ex-outcome div p{font-size:12.5px;color:var(--gray);line-height:1.55}

    @media(max-width:960px){.ex-profile{grid-template-columns:1fr 1fr}}
    @media(max-width:768px){
      .examples-section{padding:0 12px}
      .examples-head{padding:18px 16px}
      .examples-body{padding:20px 16px}
      .ex-card-header{padding:16px 14px}
      .ex-inner{padding:16px 14px}
      .ex-profile,.ex-kpis{grid-template-columns:1fr}
      .ex-num{width:34px;height:34px;font-size:14px;border-radius:10px}
      .ex-card-header h3{font-size:14px}
    }
     /* ── Pro Tips Section ── */
    .tips-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .tips-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .tips-head{padding:24px 28px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .tips-head h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;align-items:center;gap:10px}
    .tips-head h2 span{color:var(--red)}
    .tips-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,135,90,.06);border:1px solid rgba(0,135,90,.14);color:var(--green);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .tips-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--green)}
    .tips-body{padding:28px}
    .tips-intro{font-size:14.5px;color:var(--gray);line-height:1.65;max-width:840px;margin-bottom:28px}

    /* Individual tip card */
    .tip-card{display:grid;grid-template-columns:64px 1fr;gap:0;border:1px solid var(--border);border-radius:16px;overflow:hidden;margin-bottom:20px;transition:.2s}
    .tip-card:last-of-type{margin-bottom:0}
    .tip-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .tip-sidebar{display:flex;flex-direction:column;align-items:center;justify-content:flex-start;padding:22px 0 22px;gap:8px}
    .tip-sidebar .tip-num{width:40px;height:40px;border-radius:12px;display:flex;align-items:center;justify-content:center;font:800 18px Montserrat,sans-serif;color:#fff}
    .tn-1 .tip-num{background:var(--navy)}.tn-2 .tip-num{background:var(--red)}.tn-3 .tip-num{background:var(--green)}.tn-4 .tip-num{background:var(--navy-dark)}.tn-5 .tip-num{background:#7B61FF}
    .tip-sidebar .tip-badge{writing-mode:vertical-rl;text-orientation:mixed;transform:rotate(180deg);font:700 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.1em;color:var(--gray);opacity:.5}
    .tip-content{padding:22px 24px;border-left:1px solid var(--border)}
    .tip-content-top{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:12px;flex-wrap:wrap}
    .tip-content h3{font:700 17px Montserrat,sans-serif;color:var(--navy-dark);line-height:1.3}
    .tip-level{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:999px;flex-shrink:0;margin-top:2px}
    .tl-essential{background:rgba(0,135,90,.08);color:var(--green)}
    .tl-advanced{background:rgba(191,10,48,.08);color:var(--red)}
    .tl-expert{background:rgba(0,40,104,.08);color:var(--navy)}
    .tip-content>p{font-size:14px;color:var(--gray);line-height:1.65;margin-bottom:16px}

    /* Do / Don't columns */
    .tip-split{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:16px}
    .tip-do,.tip-dont{border-radius:12px;padding:16px}
    .tip-do{background:rgba(0,135,90,.04);border:1px solid rgba(0,135,90,.14)}
    .tip-dont{background:rgba(191,10,48,.04);border:1px solid rgba(191,10,48,.14)}
    .tip-do h4,.tip-dont h4{font:700 12px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px;display:flex;align-items:center;gap:6px}
    .tip-do h4{color:var(--green)}.tip-dont h4{color:var(--red)}
    .tip-do h4 svg,.tip-dont h4 svg{width:14px;height:14px;fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .tip-do h4 svg{stroke:var(--green)}.tip-dont h4 svg{stroke:var(--red)}
    .tip-do ul,.tip-dont ul{margin:0 0 0 14px;padding:0}
    .tip-do ul li,.tip-dont ul li{font-size:12.5px;line-height:1.55;margin-bottom:4px}
    .tip-do ul li{color:var(--charcoal)}.tip-dont ul li{color:var(--charcoal)}

    /* Expert quote callout */
    .tip-quote{background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:14px 16px;display:flex;align-items:flex-start;gap:10px}
    .tip-quote-icon{width:28px;height:28px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0;background:rgba(0,40,104,.08)}
    .tip-quote-icon svg{width:14px;height:14px;fill:none;stroke:var(--navy);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .tip-quote div p{font-size:12.5px;color:var(--gray);line-height:1.55;font-style:italic}
    .tip-quote div .quote-src{font-style:normal;font-weight:700;color:var(--navy);font-size:11.5px;margin-top:4px;display:block}

    /* Bonus bottom bar */
    .tips-bonus{display:flex;align-items:center;gap:14px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:14px;padding:20px 24px;margin-top:24px}
    .tips-bonus-icon{width:44px;height:44px;border-radius:12px;background:rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .tips-bonus-icon svg{width:22px;height:22px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .tips-bonus div{flex:1}
    .tips-bonus h4{font:700 14px Montserrat,sans-serif;color:#fff;margin-bottom:4px}
    .tips-bonus p{font-size:12.5px;color:rgba(255,255,255,.72);line-height:1.55}

    @media(max-width:960px){.tip-split{grid-template-columns:1fr}}
    @media(max-width:768px){
      .tips-section{padding:0 12px}
      .tips-head{padding:18px 16px}
      .tips-body{padding:20px 16px}
      .tip-card{grid-template-columns:1fr}
      .tip-sidebar{flex-direction:row;padding:14px 16px;border-bottom:1px solid var(--border)}
      .tip-sidebar .tip-badge{writing-mode:horizontal-tb;transform:none}
      .tip-content{border-left:none;padding:18px 16px}
      .tips-bonus{flex-direction:column;text-align:center;padding:18px}
    }
     /* ── FAQ Section ── */
    .faq-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .faq-shell{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .faq-head{padding:24px 28px;border-bottom:1px solid var(--global-palette5);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .faq-head h2{font:800 20px Montserrat,sans-serif;color:var(--global-palette3);display:flex;align-items:center;gap:10px}
    .faq-head h2 span{color:var(--global-palette8)}
    .faq-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.14);color:var(--global-palette1);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .faq-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--global-palette1)}
    .faq-body{padding:28px}
    .faq-intro{font-size:14.5px;color:var(--global-palette4);line-height:1.65;max-width:840px;margin-bottom:24px}
    .faq-search-wrap{position:relative;max-width:480px;margin-bottom:28px}
    .faq-search{width:100%;padding:13px 14px 13px 42px;border:1.5px solid var(--global-palette5);border-radius:10px;font:500 14px Inter,sans-serif;color:var(--global-palette3);outline:none;transition:.2s;background:var(--global-palette7)}
    .faq-search:focus{border-color:var(--global-palette1);box-shadow:0 0 0 4px rgba(0,40,104,.10)}
    .faq-search-icon{position:absolute;left:14px;top:50%;transform:translateY(-50%);width:16px;height:16px;fill:none;stroke:var(--global-palette4);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;pointer-events:none}
    .faq-no-results{display:none;padding:24px;text-align:center;color:var(--global-palette4);font-size:14px}

    /* Category label */
    .faq-cat-label{font:700 12px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.06em;padding:6px 14px;border-radius:999px;margin-bottom:14px;display:inline-flex;align-items:center;gap:6px}
    .faq-cat-basics{background:rgba(0,40,104,.06);color:var(--global-palette1)}
    .faq-cat-setup{background:rgba(0,135,90,.06);color:var(--global-palette9)}
    .faq-cat-manage{background:rgba(191,10,48,.06);color:var(--global-palette8)}
    .faq-cat-digital{background:rgba(123,97,255,.06);color:#7B61FF}
    .faq-cat-advanced{background:rgba(0,24,63,.06);color:var(--global-palette2)}
    .faq-cat-compare{background:rgba(95,99,104,.06);color:var(--global-palette4)}
    .faq-cat-label svg{width:12px;height:12px;fill:none;stroke:currentColor;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}

    /* FAQ group */
    .faq-group{margin-bottom:28px}
    .faq-group:last-of-type{margin-bottom:0}

    /* Accordion item */
    .faq-item{border:1px solid var(--global-palette5);border-radius:12px;margin-bottom:10px;overflow:hidden;transition:.2s}
    .faq-item:last-child{margin-bottom:0}
    .faq-item:hover{border-color:rgba(0,40,104,.25)}
    .faq-item.open{border-color:var(--global-palette1);box-shadow:0 2px 12px rgba(0,40,104,.08)}
    .faq-q{display:flex;align-items:center;gap:12px;padding:16px 18px;cursor:pointer;user-select:none;background:var(--global-palette7);transition:.15s}
    .faq-q:hover{background:var(--global-palette6)}
    .faq-item.open .faq-q{background:var(--global-palette6);border-bottom:1px solid var(--global-palette5)}
    .faq-q-num{width:28px;height:28px;border-radius:8px;background:rgba(0,40,104,.07);display:flex;align-items:center;justify-content:center;font:700 11px Montserrat,sans-serif;color:var(--global-palette1);flex-shrink:0}
    .faq-item.open .faq-q-num{background:var(--global-palette1);color:#fff}
    .faq-q h3{flex:1;font:600 14.5px Inter,sans-serif;color:var(--global-palette3);line-height:1.4}
    .faq-q-chevron{width:24px;height:24px;display:flex;align-items:center;justify-content:center;transition:transform .3s;flex-shrink:0}
    .faq-q-chevron svg{width:14px;height:14px;fill:none;stroke:var(--global-palette4);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .faq-item.open .faq-q-chevron{transform:rotate(180deg)}
    .faq-item.open .faq-q-chevron svg{stroke:var(--global-palette1)}

    /* Answer body */
    .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
    .faq-item.open .faq-a{max-height:600px}
    .faq-a-inner{padding:16px 18px 18px;font-size:13.5px;color:var(--global-palette4);line-height:1.7}
    .faq-a-inner strong{color:var(--global-palette3)}
    .faq-a-inner ul{margin:8px 0 0 16px;padding:0}
    .faq-a-inner ul li{margin-bottom:4px}

    /* Schema script placeholder class */
    .faq-schema{display:none}

    @media(max-width:768px){
      .faq-section{padding:0 12px}
      .faq-head{padding:18px 16px}
      .faq-body{padding:20px 16px}
      .faq-q{padding:14px 14px}
      .faq-q h3{font-size:13.5px}
      .faq-a-inner{padding:14px 14px 16px}
      .faq-search-wrap{max-width:100%}
    }
 /* ── Related Calculators Section ── */
    .related-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .related-shell{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .related-head{padding:24px 28px;border-bottom:1px solid var(--global-palette5);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .related-head h2{font:800 20px Montserrat,sans-serif;color:var(--global-palette3);display:flex;align-items:center;gap:10px}
    .related-head h2 span{color:var(--global-palette8)}
    .related-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.14);color:var(--global-palette1);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .related-head-badge i{width:7px;height:7px;border-radius:50%;background:var(--global-palette1)}
    .related-body{padding:28px}
    .related-intro{font-size:14.5px;color:var(--global-palette4);line-height:1.65;max-width:840px;margin-bottom:24px}

    /* Filter pills */
    .related-filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
    .rf-pill{padding:8px 16px;border-radius:999px;border:1.5px solid var(--global-palette5);background:var(--global-palette7);font:600 12px Inter,sans-serif;color:var(--global-palette4);cursor:pointer;transition:.2s;user-select:none}
    .rf-pill:hover{border-color:var(--global-palette1);color:var(--global-palette1)}
    .rf-pill.active{background:var(--global-palette1);border-color:var(--global-palette1);color:#fff}

    /* Card grid */
    .related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
    .rc-card{border:1px solid var(--global-palette5);border-radius:14px;overflow:hidden;transition:.25s;display:flex;flex-direction:column;text-decoration:none;color:inherit}
    .rc-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:rgba(0,40,104,.2)}
    .rc-card-top{padding:20px 20px 14px;flex:1}
    .rc-card-cat{display:inline-flex;align-items:center;gap:5px;font:700 9.5px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.07em;padding:4px 9px;border-radius:999px;margin-bottom:12px}
    .rcc-budget{background:rgba(0,40,104,.06);color:var(--global-palette1)}
    .rcc-savings{background:rgba(0,135,90,.06);color:var(--global-palette9)}
    .rcc-debt{background:rgba(191,10,48,.06);color:var(--global-palette8)}
    .rcc-income{background:rgba(123,97,255,.06);color:#7B61FF}
    .rcc-invest{background:rgba(0,24,63,.06);color:var(--global-palette2)}
    .rcc-tax{background:rgba(95,99,104,.06);color:var(--global-palette4)}
    .rc-card-icon{width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
    .rc-card-icon svg{width:20px;height:20px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .rci-navy{background:rgba(0,40,104,.07)}.rci-navy svg{stroke:var(--global-palette1)}
    .rci-red{background:rgba(191,10,48,.07)}.rci-red svg{stroke:var(--global-palette8)}
    .rci-green{background:rgba(0,135,90,.07)}.rci-green svg{stroke:var(--global-palette9)}
    .rci-purple{background:rgba(123,97,255,.07)}.rci-purple svg{stroke:#7B61FF}
    .rci-dark{background:rgba(0,24,63,.07)}.rci-dark svg{stroke:var(--global-palette2)}
    .rci-gray{background:rgba(95,99,104,.06)}.rci-gray svg{stroke:var(--global-palette4)}
    .rc-card h3{font:700 15px Montserrat,sans-serif;color:var(--global-palette3);line-height:1.3;margin-bottom:8px}
    .rc-card p{font-size:12.5px;color:var(--global-palette4);line-height:1.55}
    .rc-card-bottom{padding:12px 20px;border-top:1px solid var(--global-palette5);display:flex;align-items:center;justify-content:space-between;background:var(--global-palette6)}
    .rc-card-link{font:700 12px Montserrat,sans-serif;color:var(--global-palette1);display:flex;align-items:center;gap:6px;text-transform:uppercase;letter-spacing:.04em}
    .rc-card-link svg{width:14px;height:14px;fill:none;stroke:var(--global-palette1);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
    .rc-card:hover .rc-card-link svg{transform:translateX(3px)}
    .rc-card-rel{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--global-palette9);background:rgba(0,135,90,.08);padding:3px 8px;border-radius:999px}

    /* Browse all CTA */
    .related-cta{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:24px;padding:16px;border:1.5px dashed var(--global-palette5);border-radius:12px;text-decoration:none;transition:.2s}
    .related-cta:hover{border-color:var(--global-palette1);background:rgba(0,40,104,.02)}
    .related-cta span{font:700 13px Montserrat,sans-serif;color:var(--global-palette1)}
    .related-cta svg{width:16px;height:16px;fill:none;stroke:var(--global-palette1);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}

    @media(max-width:960px){.related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
    @media(max-width:768px){
      .related-section{padding:0 12px}
      .related-head{padding:18px 16px}
      .related-body{padding:20px 16px}
      .related-grid{grid-template-columns:1fr}
      .related-cta{padding:14px}
    }
     /* ── Legal Disclaimer & Editorial Transparency ── */
    .legal-section{max-width:1260px;margin:24px auto 0;padding:0 18px}
    .legal-shell{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .legal-head{padding:24px 28px;border-bottom:1px solid var(--global-palette5);display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
    .legal-head h2{font:800 20px Montserrat,sans-serif;color:var(--global-palette3);display:flex;align-items:center;gap:10px}
    .legal-head h2 span{color:var(--global-palette8)}
    .legal-head-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.14);color:var(--global-palette8);padding:6px 12px;border-radius:999px;font:700 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase}
    .legal-head-badge svg{width:13px;height:13px;fill:none;stroke:var(--global-palette8);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .legal-body{padding:28px}

    /* Two-column layout */
    .legal-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-bottom:24px}
    .legal-card{border:1px solid var(--global-palette5);border-radius:14px;overflow:hidden}
    .legal-card-head{padding:16px 20px;display:flex;align-items:center;gap:12px;border-bottom:1px solid var(--global-palette5);background:var(--global-palette6)}
    .legal-card-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .legal-card-icon svg{width:18px;height:18px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .lci-red{background:rgba(191,10,48,.07)}.lci-red svg{stroke:var(--global-palette8)}
    .lci-navy{background:rgba(0,40,104,.07)}.lci-navy svg{stroke:var(--global-palette1)}
    .legal-card-head h3{font:700 15px Montserrat,sans-serif;color:var(--global-palette3)}
    .legal-card-body{padding:20px}
    .legal-card-body p{font-size:13px;color:var(--global-palette4);line-height:1.7;margin-bottom:12px}
    .legal-card-body p:last-child{margin-bottom:0}
    .legal-card-body strong{color:var(--global-palette3)}

    /* Important callout box */
    .legal-callout{border:1.5px solid rgba(191,10,48,.18);border-radius:12px;padding:18px 20px;background:rgba(191,10,48,.025);display:flex;gap:14px;align-items:flex-start;margin-bottom:24px}
    .legal-callout-icon{width:36px;height:36px;border-radius:10px;background:rgba(191,10,48,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .legal-callout-icon svg{width:18px;height:18px;fill:none;stroke:var(--global-palette8);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .legal-callout-text{flex:1}
    .legal-callout-text strong{display:block;font:700 13px Montserrat,sans-serif;color:var(--global-palette8);margin-bottom:4px}
    .legal-callout-text p{font-size:12.5px;color:var(--global-palette4);line-height:1.6}

    /* Bullet list styling inside legal cards */
    .legal-list{list-style:none;padding:0;margin:12px 0 0}
    .legal-list li{position:relative;padding:6px 0 6px 22px;font-size:12.5px;color:var(--global-palette4);line-height:1.6;border-bottom:1px solid rgba(0,0,0,.04)}
    .legal-list li:last-child{border-bottom:none}
    .legal-list li::before{content:'';position:absolute;left:0;top:13px;width:8px;height:8px;border-radius:50%;border:2px solid var(--global-palette1);opacity:.5}

    /* Methodology/Sources row */
    .legal-sources{margin-bottom:24px}
    .legal-sources h3{font:700 15px Montserrat,sans-serif;color:var(--global-palette3);margin-bottom:14px;display:flex;align-items:center;gap:8px}
    .legal-sources h3 svg{width:16px;height:16px;fill:none;stroke:var(--global-palette1);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .gov-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
    .gov-link{display:flex;align-items:center;gap:12px;padding:14px 16px;border:1px solid var(--global-palette5);border-radius:12px;text-decoration:none;color:inherit;transition:.2s}
    .gov-link:hover{border-color:var(--global-palette1);background:rgba(0,40,104,.02);box-shadow:0 2px 8px rgba(0,40,104,.06)}
    .gov-link-icon{width:36px;height:36px;border-radius:10px;background:rgba(0,40,104,.06);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .gov-link-icon svg{width:16px;height:16px;fill:none;stroke:var(--global-palette1);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .gov-link-text{flex:1}
    .gov-link-text strong{display:block;font:700 12px Montserrat,sans-serif;color:var(--global-palette3);margin-bottom:2px}
    .gov-link-text span{font-size:11px;color:var(--global-palette4);line-height:1.4}
    .gov-link-arrow{width:14px;height:14px;fill:none;stroke:var(--global-palette1);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;opacity:.5;transition:.2s}
    .gov-link:hover .gov-link-arrow{opacity:1;transform:translateX(2px)}

    /* Operator info strip */
    .legal-operator{display:flex;align-items:center;gap:16px;padding:16px 20px;border:1px solid var(--global-palette5);border-radius:12px;background:var(--global-palette6)}
    .legal-operator-icon{width:42px;height:42px;border-radius:12px;background:var(--global-palette1);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .legal-operator-icon svg{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .legal-operator-info{flex:1}
    .legal-operator-info strong{display:block;font:700 13px Montserrat,sans-serif;color:var(--global-palette3);margin-bottom:2px}
    .legal-operator-info span{font-size:11.5px;color:var(--global-palette4);line-height:1.5}
    .legal-operator-links{display:flex;gap:8px;flex-shrink:0;flex-wrap:wrap}
    .legal-operator-links a{font:700 11px Montserrat,sans-serif;padding:6px 12px;border-radius:999px;text-decoration:none;border:1px solid var(--global-palette5);color:var(--global-palette1);transition:.15s;text-transform:uppercase;letter-spacing:.04em}
    .legal-operator-links a:hover{background:var(--global-palette1);color:#fff;border-color:var(--global-palette1)}

    @media(max-width:960px){.legal-grid{grid-template-columns:1fr}.gov-links{grid-template-columns:repeat(2,minmax(0,1fr))}}
    @media(max-width:768px){
      .legal-section{padding:0 12px}
      .legal-head{padding:18px 16px}
      .legal-body{padding:20px 16px}
      .gov-links{grid-template-columns:1fr}
      .legal-operator{flex-direction:column;text-align:center}
      .legal-operator-links{justify-content:center}
      .legal-callout{flex-direction:column;align-items:center;text-align:center}
    }
/* FIX: Ensures the inline SVGs in the Educational Guide display correctly */
.edu-stat-icon svg, 
.edu-sh svg, 
.edu-meth-top svg, 
.edu-pc div svg, 
.edu-cta-icon svg {
    width: 24px;
    height: 24px;
    fill: none;
    stroke: currentColor; /* This makes the icon match your text color automatically */
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    display: block;
}

/* Specific sizing for the small section header icons */
.edu-sh svg {
    width: 20px;
    height: 20px;
    margin-right: 10px;
    display: inline-block;
    vertical-align: middle;
}

/* Icon Container Alignment */
.edu-stat-icon, .edu-cta-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* FIX: Ensures the inline SVGs in the Tips/Strategies section display correctly */
.tip-do div svg, 
.tip-dont div svg, 
.tip-quote-icon svg, 
.tips-bonus-icon svg {
    width: 20px;
    height: 20px;
    fill: none;
    stroke: currentColor; /* Inherits color from the parent Do/Don't text */
    stroke-width: 2.5;
    stroke-linecap: round;
    stroke-linejoin: round;
    display: inline-block;
    vertical-align: middle;
    margin-right: 8px;
}

/* Sizing for the large Quote and Bonus icons */
.tip-quote-icon svg {
    width: 32px;
    height: 32px;
    opacity: 0.2; /* Makes the quote mark subtle as per standard design */
    margin-right: 0;
}

.tips-bonus-icon svg {
    width: 28px;
    height: 28px;
    stroke: #ffffff; /* Assuming the bonus icon sits on a navy/red background */
}

/* Container alignment for the Do/Don't headers */
.tip-do div, .tip-dont div {
    display: flex;
    align-items: center;
    font-weight: 700;
    margin-bottom: 12px;
}

/* FIX: Ensures the inline SVGs in the Legal/YMYL section display correctly */
.legal-head-badge svg,
.legal-callout-icon svg,
.legal-card-icon svg,
.legal-sources > div svg,
.gov-link-icon svg,
.gov-link-arrow,
.legal-operator-icon svg {
    width: 24px;
    height: 24px;
    fill: none;
    stroke: currentColor; /* Matches icon color to the specific card theme (Navy/Red) */
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    display: block;
    flex-shrink: 0;
}

/* Specific styling for the Warning/Callout Icon */
.legal-callout-icon svg {
    width: 32px;
    height: 32px;
    stroke: #9A6C11; /* Matches your --warn-tx color */
}

/* Sizing for the small external link arrows */
.gov-link-arrow {
    width: 18px;
    height: 18px;
    color: #9ca3af;
    margin-left: auto;
    transition: transform 0.2s ease, color 0.2s ease;
}

.gov-link:hover .gov-link-arrow {
    color: var(--navy);
    transform: translate(2px, -2px);
}

/* Container alignment for the Gov Links */
.gov-link {
    display: flex;
    align-items: center;
    gap: 16px;
    text-decoration: none;
}