: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 55% 65% at 92% 30%,rgba(0,135,90,.12) 0%,transparent 55%),
  linear-gradient(150deg,#001a45 0%,#002868 55%,#003a8c 100%);z-index:0}
.hdr-dots{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:36px 36px;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}

/* FIX 2: Forced White H1 */
.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:#7eb3ff}
.hdr .sub{color:rgba(255,255,255,.58);font-size:13px;max-width:640px;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}
.opt{font-size:10px;font-weight:400;color:var(--g400);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)}

/* ── EQUIPMENT CATEGORY CARDS ── */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(120px,1fr));gap:8px}
.cat-card{border:2px solid var(--g200);border-radius:var(--r);padding:11px 8px;text-align:center;cursor:pointer;transition:all .15s;background:#fff}
.cat-card:hover{border-color:var(--navy);background:var(--navy-xl)}
.cat-card.on{border-color:var(--navy);background:var(--navy);color:#fff}
.cat-card .ci{font-size:18px;display:block;margin-bottom:4px}
.cat-card .cl{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;line-height:1.3}
.cat-card .cr{font-size:9px;opacity:.65;margin-top:2px}

/* ── MULTI EQUIPMENT ROWS ── */
.eq-row{display:grid;grid-template-columns:2fr 1fr 80px 80px 32px;gap:8px;align-items:center;margin-bottom:8px}
.eq-row input,.eq-row select{border:1.5px solid var(--g200);border-radius:6px;padding:7px 9px;font-family:'DM Sans',sans-serif;font-size:13px;width:100%;outline:none;transition:border-color .15s;height:40px}
.eq-row input:focus,.eq-row select:focus{border-color:var(--navy)}
.add-row-btn{display:flex;align-items:center;gap:6px;background:none;border:1.5px dashed var(--g300);border-radius:8px;padding:8px 14px;color:var(--g500);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;transition:all .15s;margin-top:8px;letter-spacing:.3px;min-height:44px}
.add-row-btn:hover{border-color:var(--navy);color:var(--navy)}
.del-btn{background:none;border:none;color:var(--g400);cursor:pointer;font-size:15px;padding:4px;border-radius:4px;transition:color .15s;min-height:36px;display:flex;align-items:center;justify-content:center}
.del-btn:hover{color:var(--red)}

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

/* ── TABLES ── */
.stbl{width:100%;border-collapse:collapse;font-size:12px}
.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:8px 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.win td{background:var(--green-l);font-weight:700}

/* ── AMORT TABLE ── */
.amort-wrap{max-height:340px;overflow-y:auto;margin-top:12px;border:1px solid var(--g200);border-radius:var(--r)}
.amort-tbl{width:100%;border-collapse:collapse;font-size:11px}
.amort-tbl th{position:sticky;top:0;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;padding:8px 10px;text-align:right;border:none;z-index:2}
.amort-tbl th:first-child{text-align:left}
.amort-tbl td{padding:6px 10px;border-bottom:1px solid var(--g200);text-align:right;font-family:'DM Sans',sans-serif}
.amort-tbl td:first-child{text-align:left;font-weight:600;color:var(--navy)}
.amort-tbl tr:nth-child(even) td{background:var(--g50)}
.amort-tbl tr.yr-end td{background:var(--navy-xl);font-weight:700;border-top:2px solid var(--navy)}

/* ── 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(18px,3vw,27px);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}

/* FIX 3: METRIC CARDS BORDERS !important */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,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:260px;margin-top:14px}
.chrt-sm{position:relative;height:200px;margin-top:12px}

/* ── 3-WAY COMPARISON ── */
.cmp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:14px}
.cmp-box{border-radius:var(--r);padding:18px;border:2px solid var(--g200);text-align:center;background:#fff;position:relative}
.cmp-box.best{border-color:var(--green);background:var(--green-l)}
.cmp-box.mid{border-color:var(--navy)}
.cmp-box .ct{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--g500);margin-bottom:8px;text-transform:uppercase;letter-spacing:.5px}
.cmp-box .cv{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;color:var(--navy);margin-bottom:4px}
.cmp-box.best .cv{color:var(--green)}
.cmp-box .cs{font-size:11px;color:var(--g500)}
.best-tag{position:absolute;top:-10px;left:50%;transform:translateX(-50%);background:var(--green);color:#fff;font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;padding:3px 10px;border-radius:100px;letter-spacing:.5px;white-space:nowrap}

/* ── RATE TABLE ── */
.rate-row-best td{background:var(--green-l);font-weight:700}

/* ── 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}

/* ── SECTION 179 BOX ── */
.s179{background:var(--purple-l);border:1.5px solid rgba(124,58,237,.25);border-radius:var(--r);padding:18px;margin-top:4px}
.s179 h4{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--purple);margin-bottom:12px;display:flex;align-items:center;gap:7px}

/* ── MOBILE PATCH ── */
.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}
input,select,textarea{font-size:max(14px,1rem)}
.stbl,.amort-tbl{min-width:500px}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:640px){
  .cmp-grid{grid-template-columns:1fr !important}
}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .cat-grid{grid-template-columns:repeat(3,1fr) !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:18px 14px;gap:12px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:18px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:9px}
  .mc .mv{font-size:16px}
  .tgb{font-size:10px;padding:7px 4px}
  .eq-row{grid-template-columns:1fr 1fr 32px !important}
  .eq-row .eq-life,.eq-row .eq-type{display:none}
}
@media(max-width:480px){
  .pill{font-size:10px;padding:3px 9px}
  .hdr h1{font-size:22px}
  .hdr .sub{font-size:12px}
  .cat-grid{grid-template-columns:repeat(2,1fr) !important}
}
@media(max-width:420px){
  .ebtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .ebtn{min-width:0;font-size:11px;padding:10px 8px}
  .hero-band{grid-template-columns:1fr !important}
  .mgrid{grid-template-columns:1fr !important}
}




  #efc-disclaimer {
    --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;
    --amber-d: #92400e;
    --g50:     #f8fafc;
    --g100:    #f1f5f9;
    --g200:    #e2e8f0;
    --g300:    #cbd5e1;
    --g400:    #94a3b8;
    --g500:    #64748b;
    --g600:    #475569;
    --g700:    #334155;
    --g900:    #0f172a;
    --sh:      0 1px 4px rgba(0,40,104,.07), 0 4px 16px rgba(0,40,104,.06);
    --sh-hv:   0 8px 28px rgba(0,40,104,.13);
    --r:       10px;
    --rl:      16px;
    font-family: "DM Sans", "Inter", system-ui, sans-serif;
    background:  var(--g50);
    padding:     64px 20px 72px;
    border-top:  1px solid var(--g200);
    color:       var(--g900);
    box-sizing:  border-box;
  }

  #efc-disclaimer * { box-sizing: border-box; }

  #efc-disclaimer .dl-wrap {
    max-width: 960px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0;
  }

  /* ════════════════════════════
     HEADER BAND
  ════════════════════════════ */
  #efc-disclaimer .dl-header {
    background:    linear-gradient(135deg, var(--amber-d) 0%, var(--amber) 50%, #f59e0b 100%);
    border-radius: var(--rl) var(--rl) 0 0;
    padding:       32px 28px 26px;
    text-align:    center;
    color:         #fff;
    position:      relative;
    overflow:      hidden;
  }

  #efc-disclaimer .dl-header::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px),
      linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px);
    background-size: 24px 24px;
    pointer-events: none;
  }

  #efc-disclaimer .dl-header > * { position: relative; z-index: 1; }

  #efc-disclaimer .dl-icon {
    font-size: 44px;
    display:   block;
    margin-bottom: 10px;
    animation: dlIconFloat 3.5s ease-in-out infinite;
  }

  @keyframes dlIconFloat {
    0%, 100% { transform: translateY(0); }
    50%       { transform: translateY(-6px); }
  }

  #efc-disclaimer .dl-badge {
    display:       inline-block;
    padding:       4px 14px;
    border-radius: 999px;
    background:    rgba(255,255,255,.2);
    border:        1.5px solid rgba(255,255,255,.35);
    font-family:   "Montserrat", sans-serif;
    font-size:     10px;
    font-weight:   800;
    letter-spacing: .12em;
    text-transform: uppercase;
    margin-bottom: 12px;
  }

  #efc-disclaimer .dl-title {
    margin: 0 0 6px;
    font-family: "Montserrat", sans-serif;
    font-size: clamp(18px, 2.5vw, 26px);
    font-weight: 800;
    color: #fff;
    line-height: 1.2;
  }

  #efc-disclaimer .dl-subtitle {
    margin: 0;
    font-size: 13px;
    color: rgba(255,255,255,.85);
    line-height: 1.6;
    max-width: 560px;
    margin-inline: auto;
  }

  /* ════════════════════════════
     MAIN CARD BODY
  ════════════════════════════ */
  #efc-disclaimer .dl-body {
    background:    #fff;
    border:        1px solid var(--g200);
    border-top:    none;
    border-radius: 0 0 var(--rl) var(--rl);
    box-shadow:    var(--sh);
    padding:       28px 28px 0;
  }

  /* ════════════════════════════
     INDIVIDUAL BLOCKS
  ════════════════════════════ */
  #efc-disclaimer .dl-block {
    border-radius: var(--r);
    padding:       20px 22px;
    margin-bottom: 16px;
    border:        1.5px solid var(--g200);
    background:    #fff;
    transition:    border-color .2s ease, box-shadow .2s ease;
    animation:     dlFadeUp .5s ease both;
  }

  #efc-disclaimer .dl-block:hover {
    border-color: var(--g300);
    box-shadow:   var(--sh-hv);
  }

  /* Accent types */
  #efc-disclaimer .dl-block.amber {
    background:    var(--amber-l);
    border-color:  var(--amber);
    border-left:   4px solid var(--amber);
  }

  #efc-disclaimer .dl-block.navy {
    background:    var(--navy-xl);
    border-color:  var(--navy);
    border-left:   4px solid var(--navy);
  }

  #efc-disclaimer .dl-block.green {
    background:    var(--green-l);
    border-color:  var(--green);
    border-left:   4px solid var(--green);
  }

  #efc-disclaimer .dl-block.red {
    background:    var(--red-l);
    border-color:  var(--red);
    border-left:   4px solid var(--red);
  }

  /* Block title */
  #efc-disclaimer .dl-block-title {
    display:       flex;
    align-items:   center;
    gap:           8px;
    font-family:   "Montserrat", sans-serif;
    font-size:     12px;
    font-weight:   800;
    text-transform: uppercase;
    letter-spacing: .08em;
    color:         var(--navy);
    margin-bottom: 12px;
  }

  #efc-disclaimer .dl-block.amber .dl-block-title { color: var(--amber-d); }
  #efc-disclaimer .dl-block.red   .dl-block-title { color: var(--red); }
  #efc-disclaimer .dl-block.green .dl-block-title { color: var(--green); }

  #efc-disclaimer .dl-block-title .ico {
    width:  20px;
    height: 20px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 14px;
    line-height: 1;
  }

  /* Paragraph */
  #efc-disclaimer .dl-block p {
    margin: 0 0 10px;
    font-size: 13.5px;
    line-height: 1.75;
    color: var(--g700);
  }

  #efc-disclaimer .dl-block p:last-child { margin-bottom: 0; }
  #efc-disclaimer .dl-block strong { color: var(--g900); font-weight: 700; }

  /* Lists */
  #efc-disclaimer .dl-block ul,
  #efc-disclaimer .dl-block ol {
    margin:       8px 0 0;
    padding-left: 18px;
  }

  #efc-disclaimer .dl-block li {
    font-size:   13.5px;
    line-height: 1.7;
    color:       var(--g700);
    margin-bottom: 5px;
  }

  #efc-disclaimer .dl-block li:last-child { margin-bottom: 0; }

  /* Inline gov link within text */
  #efc-disclaimer .dl-govlink-inline {
    color:           var(--navy);
    font-weight:     700;
    text-decoration: underline;
    text-underline-offset: 3px;
    transition:      color .15s ease;
    white-space:     nowrap;
  }

  #efc-disclaimer .dl-govlink-inline:hover { color: var(--navy-l); }

  /* ── 2-column included/excluded grid ── */
  #efc-disclaimer .dl-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 12px;
  }

  #efc-disclaimer .dl-col {
    padding:       14px 16px;
    border-radius: 8px;
  }

  #efc-disclaimer .dl-col.yes {
    background: var(--green-l);
    border:     1px solid rgba(0,135,90,.2);
  }

  #efc-disclaimer .dl-col.no {
    background: var(--red-l);
    border:     1px solid rgba(191,10,48,.15);
  }

  #efc-disclaimer .dl-col h4 {
    margin:      0 0 8px;
    font-family: "Montserrat", sans-serif;
    font-size:   10px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .07em;
  }

  #efc-disclaimer .dl-col.yes h4 { color: var(--green); }
  #efc-disclaimer .dl-col.no  h4 { color: var(--red); }

  #efc-disclaimer .dl-col ul {
    margin: 0;
    padding: 0;
    list-style: none;
  }

  #efc-disclaimer .dl-col li {
    font-size:  12.5px;
    line-height: 1.6;
    display:    flex;
    gap:        6px;
    margin-bottom: 5px;
  }

  #efc-disclaimer .dl-col.yes li { color: #065f46; }
  #efc-disclaimer .dl-col.no  li { color: #9f1239; }

  #efc-disclaimer .dl-col li::before {
    font-weight: 700;
    flex-shrink: 0;
    margin-top:  1px;
    font-size:   11px;
  }

  #efc-disclaimer .dl-col.yes li::before { content: '✓'; color: var(--green); }
  #efc-disclaimer .dl-col.no  li::before { content: '✕'; color: var(--red); }

  /* ════════════════════════════
     AUTHORITY GOV LINKS
  ════════════════════════════ */
  #efc-disclaimer .dl-gov-section {
    margin-bottom: 16px;
  }

  #efc-disclaimer .dl-gov-label {
    font-family:    "Montserrat", sans-serif;
    font-size:      10px;
    font-weight:    800;
    color:          var(--g500);
    text-transform: uppercase;
    letter-spacing: .09em;
    margin-bottom:  12px;
    display:        flex;
    align-items:    center;
    gap:            8px;
  }

  #efc-disclaimer .dl-gov-label::after {
    content: '';
    flex:    1;
    height:  1px;
    background: var(--g200);
  }

  #efc-disclaimer .dl-gov-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 10px;
  }

  #efc-disclaimer .dl-gov-link {
    display:       flex;
    align-items:   center;
    gap:           12px;
    padding:       12px 14px;
    border-radius: var(--r);
    border:        1.5px solid var(--g200);
    background:    var(--g50);
    text-decoration: none;
    color:         var(--g700);
    transition:    border-color .15s ease, background .15s ease, transform .15s ease;
  }

  #efc-disclaimer .dl-gov-link:hover {
    border-color: var(--navy);
    background:   var(--navy-xl);
    color:        var(--navy);
    transform:    translateY(-2px);
    box-shadow:   0 4px 14px rgba(0,40,104,.1);
  }

  #efc-disclaimer .dl-gov-badge {
    flex-shrink:   0;
    display:       inline-flex;
    align-items:   center;
    justify-content: center;
    padding:       3px 6px;
    background:    var(--navy);
    color:         #fff;
    font-family:   "Montserrat", sans-serif;
    font-size:     9px;
    font-weight:   800;
    border-radius: 5px;
    letter-spacing: .05em;
    white-space:   nowrap;
  }

  #efc-disclaimer .dl-gov-link:hover .dl-gov-badge {
    background: var(--navy-d);
  }

  #efc-disclaimer .dl-gov-info {
    flex:        1;
    min-width:   0;
    display:     flex;
    flex-direction: column;
    gap:         2px;
  }

  #efc-disclaimer .dl-gov-name {
    font-family: "Montserrat", sans-serif;
    font-size:   12px;
    font-weight: 700;
    line-height: 1.3;
    color:       inherit;
    white-space: nowrap;
    overflow:    hidden;
    text-overflow: ellipsis;
  }

  #efc-disclaimer .dl-gov-desc {
    font-size:  11px;
    color:      var(--g500);
    line-height: 1.3;
    transition: color .15s ease;
  }

  #efc-disclaimer .dl-gov-link:hover .dl-gov-desc { color: var(--navy-l); }

  #efc-disclaimer .dl-gov-ext {
    flex-shrink: 0;
    color:       var(--g400);
    font-size:   11px;
    transition:  color .15s ease;
  }

  #efc-disclaimer .dl-gov-link:hover .dl-gov-ext { color: var(--navy); }

  /* ════════════════════════════
     FOOTER META BAR
  ════════════════════════════ */
  #efc-disclaimer .dl-footer {
    background:    var(--navy-xl);
    border:        1px solid var(--g200);
    border-radius: 0 0 var(--rl) var(--rl);
    padding:       14px 22px;
    display:       flex;
    flex-wrap:     wrap;
    align-items:   center;
    justify-content: space-between;
    gap:           10px;
    font-size:     11.5px;
    color:         var(--g600);
  }

  #efc-disclaimer .dl-footer strong { color: var(--navy); font-weight: 700; }

  #efc-disclaimer .dl-footer-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
  }

  #efc-disclaimer .dl-fpill {
    display:       inline-flex;
    align-items:   center;
    gap:           5px;
    padding:       4px 10px;
    border-radius: 999px;
    font-size:     10.5px;
    font-weight:   600;
    background:    #fff;
    color:         var(--g600);
    border:        1px solid var(--g200);
  }

  #efc-disclaimer .dl-fpill.amber {
    background:    var(--amber-l);
    color:         var(--amber-d);
    border-color:  rgba(217,119,6,.25);
  }

  #efc-disclaimer .dl-fpill.amber::before {
    content: '⚠';
    font-size: 9px;
  }

  #efc-disclaimer .dl-fpill.ok {
    background:  var(--green-l);
    color:       #065f46;
    border-color: rgba(0,135,90,.2);
  }

  #efc-disclaimer .dl-fpill.ok::before {
    content: '●';
    font-size: 7px;
    color: var(--green);
  }

  /* ════════════════════════════
     ANIMATIONS
  ════════════════════════════ */
  @keyframes dlFadeUp {
    from { opacity: 0; transform: translateY(18px); }
    to   { opacity: 1; transform: translateY(0); }
  }

  #efc-disclaimer .dl-block:nth-child(1)  { animation-delay: .05s; }
  #efc-disclaimer .dl-block:nth-child(2)  { animation-delay: .10s; }
  #efc-disclaimer .dl-block:nth-child(3)  { animation-delay: .15s; }
  #efc-disclaimer .dl-block:nth-child(4)  { animation-delay: .20s; }
  #efc-disclaimer .dl-block:nth-child(5)  { animation-delay: .25s; }
  #efc-disclaimer .dl-block:nth-child(6)  { animation-delay: .30s; }
  #efc-disclaimer .dl-block:nth-child(7)  { animation-delay: .35s; }

  /* ════════════════════════════
     RESPONSIVE
  ════════════════════════════ */
  @media (max-width: 640px) {
    #efc-disclaimer { padding: 48px 16px 56px; }
    #efc-disclaimer .dl-body { padding: 20px 16px 0; }
    #efc-disclaimer .dl-header { padding: 26px 18px 20px; }
    #efc-disclaimer .dl-block { padding: 16px; }
    #efc-disclaimer .dl-2col { grid-template-columns: 1fr; }
    #efc-disclaimer .dl-gov-grid { grid-template-columns: 1fr; }
    #efc-disclaimer .dl-footer { flex-direction: column; align-items: flex-start; padding: 14px 16px; }
  }

  /* Reduced motion */
  @media (prefers-reduced-motion: reduce) {
    #efc-disclaimer .dl-icon,
    #efc-disclaimer .dl-block { animation: none !important; }
  }

  /* Print */
  @media print {
    #efc-disclaimer .dl-body { box-shadow: none; border: 1px solid #ccc; }
    #efc-disclaimer .dl-header { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
    #efc-disclaimer .dl-block { break-inside: avoid; }
  }

  /* High contrast */
  @media (prefers-contrast: high) {
    #efc-disclaimer .dl-block { border-width: 2px; }
    #efc-disclaimer .dl-gov-link { border-width: 2px; }
  }

  /* Dark mode */
  @media (prefers-color-scheme: dark) {
    #efc-disclaimer { background: #0f172a; }
    #efc-disclaimer .dl-body { background: #1e293b; border-color: #334155; }
    #efc-disclaimer .dl-block { background: #1e293b; border-color: #334155; }
    #efc-disclaimer .dl-block p,
    #efc-disclaimer .dl-block li { color: #cbd5e1; }
    #efc-disclaimer .dl-block strong { color: #f1f5f9; }
    #efc-disclaimer .dl-gov-link { background: #1e293b; border-color: #334155; color: #cbd5e1; }
    #efc-disclaimer .dl-footer { background: #1e293b; border-color: #334155; }
  }

  /* Text selection */
  #efc-disclaimer ::selection { background: #BF0A30; color: #fff; }




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

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

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

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

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

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

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

  #ef-benchmarks .eb-update-badge strong {
    font: 800 13px/1.2 "Montserrat",sans-serif;
    color: var(--eb-navy);
  }

  #ef-benchmarks .eb-update-badge span {
    font: 500 11px/1.4 "Inter",sans-serif;
    color: var(--eb-muted);
    margin-top: 3px;
    text-align: center;
  }

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

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

  #ef-benchmarks .eb-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;
  }

  #ef-benchmarks .eb-input-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);
    white-space: nowrap;
  }

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

  #ef-benchmarks .eb-input::placeholder { color: rgba(255,255,255,0.35); }

  #ef-benchmarks .eb-result-text {
    font: 600 13px/1.4 "Inter",sans-serif;
    color: rgba(255,255,255,0.75);
    flex: 1;
    min-width: 180px;
  }

  #ef-benchmarks .eb-result-text strong { color: #fff; }

  /* ── SBA Rate notice strip ── */
  #ef-benchmarks .eb-sba-notice {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 18px;
    background: var(--eb-green-bg);
    border: 1px solid rgba(0,135,90,0.14);
    border-radius: 12px;
    margin-bottom: 20px;
    flex-wrap: wrap;
  }

  #ef-benchmarks .eb-sba-notice svg { flex-shrink: 0; color: var(--eb-green); }

  #ef-benchmarks .eb-sba-text {
    font: 500 13px/1.6 "Inter",sans-serif;
    color: var(--eb-muted);
    flex: 1;
    margin: 0;
    max-width: none;
  }

  #ef-benchmarks .eb-sba-text strong { color: var(--eb-text); font-weight: 700; }

  #ef-benchmarks .eb-sba-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 6px 12px;
    border-radius: 999px;
    background: var(--eb-bg);
    border: 1px solid rgba(0,135,90,0.2);
    font: 600 11.5px/1 "Inter",sans-serif;
    color: var(--eb-green);
    text-decoration: none;
    white-space: nowrap;
    transition: background 0.12s;
    flex-shrink: 0;
  }

  #ef-benchmarks .eb-sba-link:hover { background: var(--eb-green-bg); }

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

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

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

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

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

  #ef-benchmarks table {
    width: 100%;
    min-width: 980px;
    border-collapse: collapse;
    font-family: "Inter",sans-serif;
  }

  #ef-benchmarks thead tr { background: var(--eb-navy); }

  #ef-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;
  }

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

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

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

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

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

  /* Rate range bar cell */
  #ef-benchmarks .eb-rate-cell { min-width: 200px; }

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

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

  #ef-benchmarks .eb-range-bar {
    position: relative;
    height: 6px;
    background: rgba(0,40,104,0.08);
    border-radius: 999px;
    overflow: visible;
  }

  #ef-benchmarks .eb-range-fill {
    position: absolute;
    left: 0; top: 0;
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--eb-green), var(--eb-amber), var(--eb-red));
  }

  #ef-benchmarks .eb-user-marker {
    position: absolute;
    top: 50%;
    transform: translate(-50%, -50%);
    width: 12px; height: 12px;
    border-radius: 50%;
    background: var(--eb-navy);
    border: 2.5px solid #fff;
    box-shadow: 0 1px 4px rgba(0,0,0,0.2);
    display: none;
    z-index: 2;
    transition: left 0.3s cubic-bezier(0.16,1,0.3,1);
  }

  /* Other cells */
  #ef-benchmarks .eb-term-cell { font: 600 13px/1.4 "Inter",sans-serif; color: var(--eb-muted); white-space: nowrap; }
  #ef-benchmarks .eb-term-cell strong { color: var(--eb-text); font-weight: 700; display: block; }

  #ef-benchmarks .eb-down-cell {
    font: 700 13px/1 "Montserrat","Inter",sans-serif;
    white-space: nowrap;
  }

  #ef-benchmarks .eb-sba-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 9px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    white-space: nowrap;
    margin-top: 4px;
    display: block;
    width: fit-content;
  }

  #ef-benchmarks .eb-s179-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 9px;
    border-radius: 999px;
    font: 700 11px/1 "Inter",sans-serif;
    white-space: nowrap;
  }

  #ef-benchmarks .eb-vs-cell { font: 600 12px/1.4 "Inter",sans-serif; color: var(--eb-muted); min-width: 100px; }
  #ef-benchmarks .eb-vs-cell.lower { color: var(--eb-green); }
  #ef-benchmarks .eb-vs-cell.higher { color: var(--eb-red); }
  #ef-benchmarks .eb-vs-cell.near   { color: var(--eb-amber); }

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

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

  #ef-benchmarks .eb-footnote-text strong { color: var(--eb-text); font-weight: 700; }

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

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

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

  /* ── Responsive ── */
  @media (max-width: 900px) {
    #ef-benchmarks .eb-header { grid-template-columns: 1fr; }
    #ef-benchmarks .eb-update-badge { display: none; }
  }
  @media (max-width: 600px) {
    #ef-benchmarks { padding: 48px 16px; }
    #ef-benchmarks .eb-your-strip { flex-direction: column; align-items: flex-start; }
    #ef-benchmarks .eb-sba-notice { flex-direction: column; }
  }



  /* ── Scoped root ── */
  #efc-transparency-v2 {
    --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;
    --g50:       #f8fafc;
    --g100:      #f1f5f9;
    --g200:      #e2e8f0;
    --g300:      #cbd5e1;
    --g400:      #94a3b8;
    --g500:      #64748b;
    --g600:      #475569;
    --g700:      #334155;
    --g900:      #0f172a;
    --sh:        0 1px 4px rgba(0,40,104,.07), 0 4px 16px rgba(0,40,104,.06);
    --sh-hv:     0 8px 32px rgba(0,40,104,.13);
    --r:         10px;
    --rl:        16px;
    font-family: "DM Sans", "Inter", system-ui, sans-serif;
    background:  var(--g50);
    padding:     64px 20px;
    border-top:  1px solid var(--g200);
    color:       var(--g900);
    box-sizing:  border-box;
  }

  #efc-transparency-v2 * { box-sizing: border-box; }

  #efc-transparency-v2 .tw-wrap {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 28px;
  }

  /* ════════════════════════════
     MAIN CARD
  ════════════════════════════ */
  #efc-transparency-v2 .tw-card {
    background:    #fff;
    border:        1px solid var(--g200);
    border-radius: var(--rl);
    box-shadow:    var(--sh);
    overflow:      hidden;
    display:       grid;
    grid-template-columns: 220px 1fr;
  }

  /* ── Left accent panel ── */
  #efc-transparency-v2 .tw-panel {
    background:  linear-gradient(160deg, var(--navy-d) 0%, var(--navy) 55%, var(--navy-l) 100%);
    padding:     32px 24px;
    display:     flex;
    flex-direction: column;
    align-items: center;
    gap:         20px;
    position:    relative;
    overflow:    hidden;
  }

  #efc-transparency-v2 .tw-panel::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
    background-size: 28px 28px;
    z-index: 0;
  }

  #efc-transparency-v2 .tw-panel > * { position: relative; z-index: 1; }

  /* Logo circle */
  #efc-transparency-v2 .tw-logo {
    width:         88px;
    height:        88px;
    border-radius: 50%;
    background:    linear-gradient(135deg, rgba(255,255,255,.18) 0%, rgba(255,255,255,.05) 100%);
    border:        3px solid rgba(255,255,255,.25);
    display:       grid;
    place-items:   center;
    animation:     twPulse 3.5s ease-in-out infinite;
  }

  @keyframes twPulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(255,255,255,0.15); }
    50%       { box-shadow: 0 0 0 12px rgba(255,255,255,0); }
  }

  #efc-transparency-v2 .tw-logo-text {
    font-family: "Montserrat", sans-serif;
    font-size:   28px;
    font-weight: 900;
    color:       #fbbf24;
    text-shadow: 0 2px 6px rgba(0,0,0,.25);
    letter-spacing: -1px;
  }

  #efc-transparency-v2 .tw-panel-label {
    font-family: "Montserrat", sans-serif;
    font-size:   10px;
    font-weight: 700;
    color:       rgba(255,255,255,.5);
    text-transform: uppercase;
    letter-spacing: .1em;
    text-align: center;
    line-height: 1.5;
  }

  /* Stats in panel */
  #efc-transparency-v2 .tw-stats {
    width: 100%;
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 4px;
  }

  #efc-transparency-v2 .tw-stat {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 8px;
    padding: 10px 12px;
    text-align: center;
  }

  #efc-transparency-v2 .tw-stat-num {
    font-family: "Montserrat", sans-serif;
    font-size: 20px;
    font-weight: 900;
    color: #fbbf24;
    line-height: 1;
    margin-bottom: 3px;
  }

  #efc-transparency-v2 .tw-stat-lbl {
    font-size: 10px;
    font-weight: 600;
    color: rgba(255,255,255,.55);
    text-transform: uppercase;
    letter-spacing: .06em;
    line-height: 1.3;
  }

  /* ── Right content panel ── */
  #efc-transparency-v2 .tw-content {
    padding: 30px 28px;
    display: flex;
    flex-direction: column;
    gap: 18px;
  }

  /* Kicker */
  #efc-transparency-v2 .tw-kicker {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 5px 12px;
    background: var(--navy-xl);
    border-radius: 999px;
    font-family: "Montserrat", sans-serif;
    font-size: 10px;
    font-weight: 800;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: .09em;
    width: fit-content;
  }

  /* Title */
  #efc-transparency-v2 .tw-title {
    margin: 0;
    font-family: "Montserrat", sans-serif;
    font-size: clamp(18px, 2.2vw, 24px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
  }

  /* Description */
  #efc-transparency-v2 .tw-desc {
    margin: 0;
    font-size: 14px;
    line-height: 1.75;
    color: var(--g600);
  }

  #efc-transparency-v2 .tw-desc strong { color: var(--g700); font-weight: 700; }

  /* Feature badges row */
  #efc-transparency-v2 .tw-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
  }

  #efc-transparency-v2 .tw-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 12px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 700;
    font-family: "Montserrat", sans-serif;
    border: 1.5px solid;
    transition: transform .15s ease;
    cursor: default;
  }

  #efc-transparency-v2 .tw-badge:hover { transform: translateY(-2px); }
  #efc-transparency-v2 .tw-badge.g  { background: var(--green-l);  color: var(--green);  border-color: var(--green); }
  #efc-transparency-v2 .tw-badge.n  { background: var(--navy-xl);  color: var(--navy);   border-color: var(--navy); }
  #efc-transparency-v2 .tw-badge.a  { background: var(--amber-l);  color: var(--amber);  border-color: var(--amber); }
  #efc-transparency-v2 .tw-badge.r  { background: var(--red-l);    color: var(--red);    border-color: var(--red); }

  #efc-transparency-v2 .tw-badge .chk {
    font-size: 12px;
    line-height: 1;
  }

  /* ════════════════════════════
     "WHAT MAKES US DIFFERENT" box
  ════════════════════════════ */
  #efc-transparency-v2 .tw-diff {
    background: #fff;
    border: 1.5px solid var(--navy-xl);
    border-left: 4px solid var(--navy);
    border-radius: var(--r);
    padding: 16px 18px;
  }

  #efc-transparency-v2 .tw-diff-title {
    font-family: "Montserrat", sans-serif;
    font-size: 11px;
    font-weight: 800;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: .08em;
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 7px;
  }

  #efc-transparency-v2 .tw-diff-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
  }

  #efc-transparency-v2 .tw-diff-col {
    padding: 12px 14px;
    border-radius: 8px;
  }

  #efc-transparency-v2 .tw-diff-col.yes {
    background: var(--green-l);
    border: 1px solid rgba(0,135,90,.2);
  }

  #efc-transparency-v2 .tw-diff-col.no {
    background: var(--g50);
    border: 1px solid var(--g200);
  }

  #efc-transparency-v2 .tw-diff-col h4 {
    margin: 0 0 8px;
    font-family: "Montserrat", sans-serif;
    font-size: 10px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .07em;
  }

  #efc-transparency-v2 .tw-diff-col.yes h4 { color: var(--green); }
  #efc-transparency-v2 .tw-diff-col.no h4  { color: var(--g500); }

  #efc-transparency-v2 .tw-diff-col ul {
    margin: 0;
    padding: 0;
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 5px;
  }

  #efc-transparency-v2 .tw-diff-col li {
    font-size: 12px;
    line-height: 1.55;
    display: flex;
    align-items: flex-start;
    gap: 6px;
  }

  #efc-transparency-v2 .tw-diff-col.yes li { color: #065f46; }
  #efc-transparency-v2 .tw-diff-col.no li  { color: var(--g500); }

  #efc-transparency-v2 .tw-diff-col li::before {
    content: '✓';
    font-weight: 700;
    flex-shrink: 0;
    margin-top: 1px;
    font-size: 11px;
  }

  #efc-transparency-v2 .tw-diff-col.no li::before {
    content: '✕';
    color: var(--g400);
  }

  /* ════════════════════════════
     GOV AUTHORITY LINKS
  ════════════════════════════ */
  #efc-transparency-v2 .tw-gov {
    background: #fff;
    border: 1px solid var(--g200);
    border-radius: var(--r);
    padding: 16px 18px;
    box-shadow: var(--sh);
  }

  #efc-transparency-v2 .tw-gov-label {
    font-family: "Montserrat", sans-serif;
    font-size: 10px;
    font-weight: 800;
    color: var(--g500);
    text-transform: uppercase;
    letter-spacing: .09em;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 6px;
  }

  #efc-transparency-v2 .tw-gov-label::before {
    content: '';
    width: 3px; height: 3px;
    border-radius: 50%;
    background: var(--g400);
  }

  #efc-transparency-v2 .tw-gov-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    align-items: center;
  }

  #efc-transparency-v2 .tw-gov-link {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 13px;
    border-radius: 8px;
    border: 1.5px solid var(--g200);
    background: var(--g50);
    text-decoration: none;
    color: var(--g700);
    font-size: 12px;
    font-weight: 600;
    transition: border-color .15s ease, background .15s ease, transform .15s ease;
    white-space: nowrap;
  }

  #efc-transparency-v2 .tw-gov-link:hover {
    border-color: var(--navy);
    background: var(--navy-xl);
    color: var(--navy);
    transform: translateY(-1px);
  }

  #efc-transparency-v2 .tw-gov-badge {
    display: inline-flex;
    align-items: center;
    padding: 2px 6px;
    background: var(--navy);
    color: #fff;
    font-family: "Montserrat", sans-serif;
    font-size: 9px;
    font-weight: 800;
    border-radius: 4px;
    letter-spacing: .05em;
    flex-shrink: 0;
  }

  #efc-transparency-v2 .tw-gov-link svg {
    color: var(--g400);
    flex-shrink: 0;
  }

  /* ════════════════════════════
     BOTTOM META BAR
  ════════════════════════════ */
  #efc-transparency-v2 .tw-meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 14px 20px;
    background: #fff;
    border: 1px solid var(--g200);
    border-radius: var(--r);
    font-size: 12px;
    color: var(--g500);
  }

  #efc-transparency-v2 .tw-meta strong { color: var(--g700); font-weight: 700; }

  #efc-transparency-v2 .tw-meta-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
  }

  #efc-transparency-v2 .tw-meta-pill {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 600;
    background: var(--g100);
    color: var(--g600);
    border: 1px solid var(--g200);
  }

  #efc-transparency-v2 .tw-meta-pill.ok {
    background: var(--green-l);
    color: #065f46;
    border-color: rgba(0,135,90,.2);
  }

  #efc-transparency-v2 .tw-meta-pill.ok::before {
    content: '●';
    font-size: 7px;
    color: var(--green);
  }

  /* ════════════════════════════
     RESPONSIVE
  ════════════════════════════ */
  @media (max-width: 820px) {
    #efc-transparency-v2 .tw-card {
      grid-template-columns: 1fr;
    }
    #efc-transparency-v2 .tw-panel {
      flex-direction: row;
      flex-wrap: wrap;
      justify-content: center;
      padding: 22px 20px;
    }
    #efc-transparency-v2 .tw-stats {
      flex-direction: row;
      flex-wrap: wrap;
      justify-content: center;
      margin-top: 0;
    }
    #efc-transparency-v2 .tw-stat { min-width: 90px; }
  }

  @media (max-width: 560px) {
    #efc-transparency-v2 { padding: 48px 16px; }
    #efc-transparency-v2 .tw-diff-grid { grid-template-columns: 1fr; }
    #efc-transparency-v2 .tw-content { padding: 22px 18px; }
    #efc-transparency-v2 .tw-gov-row { flex-direction: column; align-items: flex-start; }
  }

  /* ── Animation ── */
  @keyframes twFadeUp {
    from { opacity: 0; transform: translateY(20px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  #efc-transparency-v2 .tw-card,
  #efc-transparency-v2 .tw-diff,
  #efc-transparency-v2 .tw-gov,
  #efc-transparency-v2 .tw-meta {
    animation: twFadeUp .6s ease both;
  }
  #efc-transparency-v2 .tw-diff { animation-delay: .1s; }
  #efc-transparency-v2 .tw-gov  { animation-delay: .2s; }
  #efc-transparency-v2 .tw-meta { animation-delay: .3s; }

  /* Reduced motion */
  @media (prefers-reduced-motion: reduce) {
    #efc-transparency-v2 .tw-card,
    #efc-transparency-v2 .tw-diff,
    #efc-transparency-v2 .tw-gov,
    #efc-transparency-v2 .tw-meta,
    #efc-transparency-v2 .tw-logo {
      animation: none !important;
    }
  }

  /* Print */
  @media print {
    #efc-transparency-v2 .tw-card  { box-shadow: none; border: 2px solid var(--navy); }
    #efc-transparency-v2 .tw-panel { background: var(--navy) !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  }



  /* ── FAQ Section ── */
  #ef-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);
  }

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

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

  #ef-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;
  }

  #ef-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;
  }

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

  /* ── Search ── */
  #ef-faq .fq-search-wrap { position: relative; align-self: center; }

  #ef-faq .fq-search-icon {
    position: absolute; left: 14px; top: 50%;
    transform: translateY(-50%);
    color: var(--fq-faint);
    pointer-events: none;
  }

  #ef-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;
  }

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

  #ef-faq .fq-search::placeholder { color: var(--fq-faint); }

  #ef-faq .fq-count-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 10px;
    font: 500 12px/1 "Inter",sans-serif;
    color: var(--fq-muted);
  }

  #ef-faq .fq-count-badge strong { color: var(--fq-navy); font-weight: 700; }

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

  #ef-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;
  }

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

  #ef-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;
  }

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

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

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

  #ef-faq .fq-group-icon {
    width: 28px; height: 28px;
    border-radius: 8px;
    display: grid; place-items: center;
    flex-shrink: 0;
  }

  #ef-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;
  }

  #ef-faq .fq-group-tally { font: 600 12px/1 "Inter",sans-serif; color: var(--fq-faint); }

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

  #ef-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;
  }

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

  #ef-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;
  }

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

  #ef-faq .fq-q-num {
    font: 700 11px/1 "Montserrat","Inter",sans-serif;
    color: var(--fq-faint);
    flex-shrink: 0;
    min-width: 24px;
    font-family: "Courier New", monospace;
    font-size: 11px;
  }

  #ef-faq .fq-q-text {
    font: 600 14.5px/1.35 "Inter",sans-serif;
    color: var(--fq-text);
    flex: 1;
  }

  #ef-faq .fq-item.open .fq-q-text { color: var(--fq-navy); }

  #ef-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);
  }

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

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

  #ef-faq .fq-a {
    padding: 0 18px 18px 54px;
    font: 500 14px/1.75 "Inter",sans-serif;
    color: var(--fq-muted);
  }

  #ef-faq .fq-a p { margin: 0 0 10px; max-width: 80ch; }
  #ef-faq .fq-a p:last-child { margin: 0; }
  #ef-faq .fq-a strong { color: var(--fq-text); font-weight: 700; }
  #ef-faq .fq-a a { color: var(--fq-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

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

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

  #ef-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;
  }

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

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


  /* ── Pro Tips Section ── */
  #ef-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);
  }

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

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

  #ef-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;
  }

  #ef-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;
  }

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

  #ef-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;
  }

  #ef-pro-tips .pt-header-badge strong { font: 900 24px/1 "Montserrat",sans-serif; }
  #ef-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 ── */
  #ef-pro-tips .pt-tips { display: flex; flex-direction: column; gap: 24px; }

  /* ── Individual tip card ── */
  #ef-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;
  }

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

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

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

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

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

  #ef-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;
  }

  #ef-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;
  }

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

  #ef-pro-tips .pt-tip-impact {
    padding: 10px 14px;
    border-radius: 10px;
    border: 1px solid var(--pt-border);
    background: var(--pt-bg-soft);
    margin-top: auto;
  }

  #ef-pro-tips .pt-impact-label { font: 600 10px/1 "Inter",sans-serif; text-transform: uppercase; letter-spacing: 0.07em; color: var(--pt-faint); margin-bottom: 4px; }
  #ef-pro-tips .pt-impact-val { font: 800 15px/1.2 "Montserrat","Inter",sans-serif; margin-bottom: 3px; }
  #ef-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 */
  #ef-pro-tips .pt-tip-right { padding: 28px 32px; display: flex; flex-direction: column; gap: 18px; }

  #ef-pro-tips .pt-tip-body { font: 500 14px/1.72 "Inter",sans-serif; color: var(--pt-muted); max-width: 68ch; margin: 0; }
  #ef-pro-tips .pt-tip-body strong { color: var(--pt-text); font-weight: 700; }
  #ef-pro-tips .pt-tip-body a { font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

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

  #ef-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);
  }

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

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

  #ef-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; }
  #ef-pro-tips .pt-widget-row { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
  #ef-pro-tips .pt-widget-group { display: flex; flex-direction: column; gap: 3px; }
  #ef-pro-tips .pt-widget-label { font: 600 10px/1 "Inter",sans-serif; color: var(--pt-faint); text-transform: uppercase; letter-spacing: 0.06em; }

  #ef-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;
  }

  #ef-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; }
  #ef-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; }
  #ef-pro-tips .pt-widget-arrow { font: 700 16px/1 sans-serif; color: var(--pt-faint); flex-shrink: 0; }
  #ef-pro-tips .pt-widget-result { padding: 7px 12px; border-radius: 8px; font: 700 13px/1.3 "Inter",sans-serif; min-width: 110px; flex-shrink: 0; }

  /* US callout strip */
  #ef-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;
  }

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

  /* Bottom CTA */
  #ef-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);
  }

  #ef-pro-tips .pt-cta-strip h3 { font: 800 18px/1.2 "Montserrat","Inter",sans-serif; color: #fff; margin-bottom: 4px; }
  #ef-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; }

  #ef-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;
  }

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

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

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



  /* ── Formula Explainer Section ── */
  #ef-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);
  }

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

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

  #ef-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;
  }

  #ef-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;
  }

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

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

  #ef-formula-explainer .fe-tab-btn {
    display: flex; align-items: center; gap: 8px;
    padding: 12px 22px 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;
  }

  #ef-formula-explainer .fe-tab-btn:hover { color: var(--fe-navy); }
  #ef-formula-explainer .fe-tab-btn.active { color: var(--fe-navy); border-bottom-color: var(--fe-navy); }

  /* Section 179 tab gets special treatment */
  #ef-formula-explainer .fe-tab-btn[data-panel="fe-panel-3"].active {
    color: var(--fe-green); border-bottom-color: var(--fe-green);
  }

  #ef-formula-explainer .fe-tab-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }

  #ef-formula-explainer .fe-star-badge {
    display: inline-flex; align-items: center; gap: 4px;
    padding: 2px 8px; border-radius: 999px;
    background: rgba(0,135,90,0.12); color: var(--fe-green);
    font: 700 10px/1 "Inter",sans-serif; flex-shrink: 0;
  }

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

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

  /* ── Formula Display Card ── */
  #ef-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);
  }

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

  #ef-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;
  }

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

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

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

  #ef-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);
  }

  #ef-formula-explainer .fe-f-op {
    font: 700 20px/1 "Montserrat",sans-serif; color: var(--fe-faint);
  }

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

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

  #ef-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);
  }

  #ef-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);
  }

  #ef-formula-explainer .fe-f-line {
    height: 2px; background: var(--fe-navy); width: 100%;
    border-radius: 999px; margin: 1px 0; opacity: 0.3;
  }

  #ef-formula-explainer .fe-f-add {
    display: flex; align-items: center; gap: 8px; flex-wrap: wrap; justify-content: center;
  }

  #ef-formula-explainer .fe-f-item {
    font: 700 13px/1.3 "Inter",sans-serif; padding: 6px 12px;
    border-radius: 8px; border: 1px solid;
  }

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

  #ef-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);
  }

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

  #ef-formula-explainer .fe-var-name {
    font-family: "Courier New",monospace; font-size: 12px; font-weight: 700;
    color: var(--fe-navy); padding: 4px 9px; border-radius: 6px;
    background: var(--fe-navy-bg); white-space: nowrap;
  }

  #ef-formula-explainer .fe-var-desc {
    font: 500 13px/1.5 "Inter",sans-serif; color: var(--fe-muted);
  }

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

  /* ── Worked Example Card ── */
  #ef-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;
  }

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

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

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

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

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

  #ef-formula-explainer .fe-ex-inputs {
    display: flex; flex-direction: column; gap: 7px; padding: 14px;
    background: var(--fe-bg); border-radius: 10px;
    border: 1px solid var(--fe-border);
  }

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

  #ef-formula-explainer .fe-ex-label {
    font: 500 12.5px/1 "Inter",sans-serif; color: var(--fe-muted);
  }

  #ef-formula-explainer .fe-ex-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;
  }

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

  #ef-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);
  }

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

  #ef-formula-explainer .fe-ex-step-text {
    font: 500 12.5px/1.5 "Inter",sans-serif; color: var(--fe-muted);
  }

  #ef-formula-explainer .fe-ex-step-text strong { color: var(--fe-text); font-weight: 700; }

  #ef-formula-explainer .fe-ex-step-val {
    font: 700 13px/1 "Montserrat","Inter",sans-serif;
    color: var(--fe-navy); white-space: nowrap; text-align: right;
  }

  #ef-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;
  }

  #ef-formula-explainer .fe-ex-result-label {
    font: 600 13px/1 "Inter",sans-serif; color: rgba(255,255,255,0.75);
  }

  #ef-formula-explainer .fe-ex-result-val {
    font: 900 22px/1 "Montserrat","Inter",sans-serif; color: #fff;
  }

  #ef-formula-explainer .fe-ex-result-sub {
    font: 500 11px/1.4 "Inter",sans-serif;
    color: rgba(255,255,255,0.6); margin-top: 3px;
  }

  /* ── Section 179 special widget ── */
  #ef-formula-explainer .fe-179-widget {
    background: var(--fe-bg); border: 1px solid var(--fe-border);
    border-radius: 12px; padding: 16px 18px; margin-top: 4px;
  }

  #ef-formula-explainer .fe-179-widget-title {
    font: 700 11px/1 "Inter",sans-serif; text-transform: uppercase;
    letter-spacing: 0.07em; color: var(--fe-green); margin-bottom: 12px;
    font-size: 10px;
  }

  #ef-formula-explainer .fe-179-row {
    display: flex; align-items: center; gap: 10px; flex-wrap: wrap;
  }

  #ef-formula-explainer .fe-179-group { display: flex; flex-direction: column; gap: 4px; }

  #ef-formula-explainer .fe-179-lbl {
    font: 600 10px/1 "Inter",sans-serif; color: var(--fe-faint);
    text-transform: uppercase; letter-spacing: 0.06em;
  }

  #ef-formula-explainer .fe-179-input-wrap {
    display: flex; align-items: center;
    background: var(--fe-bg-card); border: 1px solid var(--fe-border);
    border-radius: 7px; overflow: hidden;
  }

  #ef-formula-explainer .fe-179-pfx {
    padding: 7px 9px; font: 600 12px/1 "Inter",sans-serif;
    color: var(--fe-faint); background: rgba(0,40,104,0.04);
    border-right: 1px solid var(--fe-border);
  }

  #ef-formula-explainer .fe-179-input {
    border: none; outline: none; background: transparent;
    padding: 7px 10px; font: 700 13px/1 "Inter",sans-serif;
    color: var(--fe-text); width: 90px;
  }

  #ef-formula-explainer .fe-179-arrow {
    font: 700 16px/1 sans-serif; color: var(--fe-faint); padding: 0 4px; flex-shrink: 0;
  }

  #ef-formula-explainer .fe-179-result {
    padding: 7px 12px; border-radius: 8px;
    font: 700 13px/1.3 "Inter",sans-serif; min-width: 120px; flex-shrink: 0;
  }

  /* ── GAAP / Authority strip ── */
  #ef-formula-explainer .fe-authority {
    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;
  }

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

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

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

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

  #ef-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; transition: background 0.12s;
  }

  #ef-formula-explainer .fe-auth-link:hover { background: var(--fe-navy-bg); }

  /* ── Responsive ── */
  @media (max-width: 900px) { #ef-formula-explainer .fe-panel-grid { grid-template-columns: 1fr; } }
  @media (max-width: 600px) {
    #ef-formula-explainer { padding: 48px 16px; }
    #ef-formula-explainer .fe-tabs { overflow-x: auto; flex-wrap: nowrap; padding-bottom: 2px; }
    #ef-formula-explainer .fe-tab-btn { padding: 10px 14px 12px; font-size: 12.5px; }
    #ef-formula-explainer .fe-var-row { grid-template-columns: auto 1fr; }
    #ef-formula-explainer .fe-var-ex { display: none; }
  }




  /* ── How It Works Section ── */
  #efc-how-it-works {
    --hiw-navy:      #002868;
    --hiw-red:       #BF0A30;
    --hiw-green:     #00875A;
    --hiw-amber:     #D97706;
    --hiw-blue:      #005f8a;
    --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);
  }

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

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

  /* ── Header ── */
  #efc-how-it-works .hiw-header {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 24px;
    align-items: end;
    margin-bottom: 52px;
  }

  #efc-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;
  }

  #efc-how-it-works .hiw-title {
    margin: 0 0 10px;
    font: 800 clamp(24px,3vw,36px)/1.15 "Montserrat","Inter",sans-serif;
    color: var(--hiw-navy);
    letter-spacing: -0.01em;
  }

  #efc-how-it-works .hiw-subtitle {
    margin: 0;
    color: var(--hiw-muted);
    font: 500 15.5px/1.7 "Inter",sans-serif;
    max-width: 56ch;
  }

  #efc-how-it-works .hiw-time-badge {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    width: 88px;
    height: 88px;
    border-radius: 50%;
    background: var(--hiw-navy);
    color: #fff;
    flex-shrink: 0;
  }

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

  #efc-how-it-works .hiw-time-badge span {
    font: 500 10px/1.4 "Inter",sans-serif;
    opacity: 0.7;
    text-align: center;
    margin-top: 3px;
  }

  /* ── Steps grid: asymmetric 2-col, alternating ── */
  #efc-how-it-works .hiw-steps {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    position: relative;
  }

  /* Vertical spine */
  #efc-how-it-works .hiw-steps::before {
    content: '';
    position: absolute;
    left: 50%;
    top: 32px;
    bottom: 32px;
    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;
  }

  /* Step card base */
  #efc-how-it-works .hiw-step {
    padding: 28px 32px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    position: relative;
    border-radius: 0;
    transition: background 0.2s ease;
  }

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

  /* Left column */
  #efc-how-it-works .hiw-step.left { padding-right: 48px; }

  /* Right column */
  #efc-how-it-works .hiw-step.right { padding-left: 48px; }

  /* Row divider */
  #efc-how-it-works .hiw-step.row-end {
    border-bottom: 1px solid rgba(0,40,104,0.08);
  }

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

  /* Step number box */
  #efc-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;
  }

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

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

  /* Step tag pill */
  #efc-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;
  }

  #efc-how-it-works .hiw-step-tag.navy  { background: var(--hiw-navy-bg);  color: var(--hiw-navy); }
  #efc-how-it-works .hiw-step-tag.green { background: var(--hiw-green-bg); color: var(--hiw-green); }
  #efc-how-it-works .hiw-step-tag.red   { background: var(--hiw-red-bg);   color: var(--hiw-red); }
  #efc-how-it-works .hiw-step-tag.amber { background: var(--hiw-amber-bg); color: var(--hiw-amber); }
  #efc-how-it-works .hiw-step-tag.blue  { background: rgba(0,95,138,0.08); color: var(--hiw-blue); }

  /* Step heading */
  #efc-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;
  }

  /* Step body */
  #efc-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;
  }

  /* Unique callout box */
  #efc-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;
  }

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

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

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

  /* ── Unique features pill row ── */
  #efc-how-it-works .hiw-features {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 44px;
    padding-top: 36px;
    border-top: 1px solid rgba(0,40,104,0.08);
  }

  #efc-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, box-shadow 0.15s;
  }

  #efc-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);
  }

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

  /* ── Responsive ── */
  @media (max-width: 860px) {
    #efc-how-it-works .hiw-steps { grid-template-columns: 1fr; }
    #efc-how-it-works .hiw-steps::before { display: none; }
    #efc-how-it-works .hiw-step.left,
    #efc-how-it-works .hiw-step.right { padding: 24px 20px; border-bottom: 1px solid rgba(0,40,104,0.08); }
    #efc-how-it-works .hiw-step:last-child { border-bottom: none; }
    #efc-how-it-works .hiw-header { grid-template-columns: 1fr; }
    #efc-how-it-works .hiw-time-badge { display: none; }
  }

  @media (max-width: 520px) {
    #efc-how-it-works { padding: 48px 16px; }
    #efc-how-it-works .hiw-title { font-size: 24px; }
    #efc-how-it-works .hiw-feat-pill { font-size: 12px; padding: 8px 12px; }
  }



  /* ── Real Examples Section ── */
  #ef-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);
  }

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

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

  #ef-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;
  }

  #ef-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;
  }

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

  #ef-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);
  }

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

  /* ── Case Card ── */
  #ef-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;
  }

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

  /* Color accent strip */
  #ef-real-examples .re-case-strip { height: 4px; width: 100%; }

  /* Inner 2-col layout */
  #ef-real-examples .re-case-inner {
    display: grid;
    grid-template-columns: 300px 1fr;
    align-items: start;
  }

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

  #ef-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;
  }

  #ef-real-examples .re-case-cat {
    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;
  }

  #ef-real-examples .re-biz-name {
    font: 900 20px/1.15 "Montserrat","Inter",sans-serif;
    color: var(--re-text);
    margin-bottom: 4px;
    letter-spacing: -0.01em;
  }

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

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

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

  #ef-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;
  }

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

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

  /* Section 179 savings badge */
  #ef-real-examples .re-179-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 14px;
    border-radius: 10px;
    margin-bottom: 14px;
  }

  #ef-real-examples .re-179-val {
    font: 900 20px/1 "Montserrat","Inter",sans-serif;
    letter-spacing: -0.02em;
  }

  #ef-real-examples .re-179-label { font: 700 12px/1.2 "Inter",sans-serif; }
  #ef-real-examples .re-179-sub { font: 500 11px/1.3 "Inter",sans-serif; opacity: 0.7; margin-top: 2px; }

  /* Finance type tag */
  #ef-real-examples .re-finance-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 */
  #ef-real-examples .re-case-right { padding: 24px 28px; display: flex; flex-direction: column; gap: 20px; }

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

  #ef-real-examples .re-breakdown { display: flex; flex-direction: column; gap: 7px; }

  #ef-real-examples .re-cost-row {
    display: grid;
    grid-template-columns: 140px 1fr 80px;
    gap: 10px;
    align-items: center;
  }

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

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

  #ef-real-examples .re-cost-bar-wrap { height: 7px; background: rgba(0,40,104,0.07); border-radius: 999px; overflow: hidden; }
  #ef-real-examples .re-cost-bar { height: 100%; border-radius: 999px; transition: width 0.5s cubic-bezier(0.16,1,0.3,1); }

  #ef-real-examples .re-cost-val { font: 700 12.5px/1 "Montserrat","Inter",sans-serif; text-align: right; white-space: nowrap; }

  hr.re-divider { height: 1px; background: var(--re-border); border: none; }

  /* Story + Lessons */
  #ef-real-examples .re-bottom { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

  #ef-real-examples .re-story-title,
  #ef-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;
  }

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

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

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

  #ef-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);
  }

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

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

  /* Source strip */
  #ef-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;
  }

  #ef-real-examples .re-source-text { font: 500 12px/1.6 "Inter",sans-serif; color: var(--re-muted); flex: 1; min-width: 200px; margin: 0; }
  #ef-real-examples .re-source-text strong { color: var(--re-text); font-weight: 700; }

  #ef-real-examples .re-src-link {
    display: inline-flex; align-items: center; gap: 5px;
    padding: 5px 11px; border-radius: 999px;
    background: #f5f7fb; 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;
  }

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

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

  @media (max-width: 640px) {
    #ef-real-examples { padding: 48px 16px; }
    #ef-real-examples .re-kpis { grid-template-columns: 1fr 1fr; }
    #ef-real-examples .re-cost-row { grid-template-columns: 110px 1fr 64px; }
    #ef-real-examples .re-case-right { padding: 18px; }
  }




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

  #eq-decision * { box-sizing: border-box; }
  #eq-decision .dg-wrap { max-width: var(--dg-max); margin: 0 auto; }

  /* ── Header ── */
  #eq-decision .dg-header { max-width: 760px; margin-bottom: 48px; }

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

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

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

  /* ── Interactive Scenario Checker ── */
  #eq-decision .dg-checker {
    background: var(--dg-navy);
    border-radius: var(--dg-radius);
    padding: 32px;
    margin-bottom: 40px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: start;
  }

  #eq-decision .dg-checker-title {
    font: 800 18px/1.2 "Montserrat","Inter",sans-serif;
    color: #fff; margin-bottom: 6px;
  }

  #eq-decision .dg-checker-desc {
    font: 500 13px/1.6 "Inter",sans-serif;
    color: rgba(255,255,255,0.65); margin-bottom: 20px; max-width: 38ch;
  }

  #eq-decision .dg-questions { display: flex; flex-direction: column; gap: 12px; }

  #eq-decision .dg-q-row {
    display: flex; flex-direction: column; gap: 4px;
  }

  #eq-decision .dg-q-label {
    font: 600 11px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.55); text-transform: uppercase;
    letter-spacing: 0.06em;
  }

  #eq-decision .dg-q-select {
    padding: 9px 12px;
    background: rgba(255,255,255,0.10);
    border: 1px solid rgba(255,255,255,0.18);
    border-radius: 8px;
    color: #fff;
    font: 600 13px/1 "Inter",sans-serif;
    cursor: pointer;
    outline: none;
    transition: border-color 0.15s;
    -webkit-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1l5 5 5-5' stroke='rgba(255,255,255,0.5)' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 34px;
  }

  #eq-decision .dg-q-select:focus { border-color: rgba(255,255,255,0.5); }
  #eq-decision .dg-q-select option { background: #002868; color: #fff; }

  /* Result Panel */
  #eq-decision .dg-result-panel {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.14);
    border-radius: 14px;
    padding: 24px;
    min-height: 220px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    justify-content: center;
  }

  #eq-decision .dg-result-label {
    font: 600 11px/1 "Inter",sans-serif;
    color: rgba(255,255,255,0.5);
    letter-spacing: 0.07em; text-transform: uppercase;
  }

  #eq-decision .dg-result-rec {
    font: 900 26px/1.1 "Montserrat","Inter",sans-serif;
    color: #fff; letter-spacing: -0.02em;
  }

  #eq-decision .dg-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;
  }

  #eq-decision .dg-result-why {
    font: 500 13px/1.65 "Inter",sans-serif;
    color: rgba(255,255,255,0.7); max-width: none; margin: 0;
  }

  #eq-decision .dg-result-why strong { color: #fff; font-weight: 700; }

  /* ── Three Option Cards ── */
  #eq-decision .dg-options {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 40px;
  }

  #eq-decision .dg-option-card {
    background: var(--dg-bg-card);
    border: 1px solid var(--dg-border);
    border-radius: var(--dg-radius);
    overflow: hidden;
    box-shadow: 0 3px 16px rgba(0,40,104,0.05);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
  }

  #eq-decision .dg-option-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 30px rgba(0,40,104,0.10);
  }

  #eq-decision .dg-option-header {
    padding: 20px 20px 16px;
    border-bottom: 1px solid var(--dg-border);
  }

  #eq-decision .dg-option-label {
    font: 700 11px/1 "Inter",sans-serif;
    letter-spacing: 0.07em; text-transform: uppercase;
    margin-bottom: 8px;
  }

  #eq-decision .dg-option-name {
    font: 800 20px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--dg-text); margin-bottom: 6px;
  }

  #eq-decision .dg-option-tagline {
    font: 500 13px/1.5 "Inter",sans-serif;
    color: var(--dg-muted);
  }

  #eq-decision .dg-option-body { padding: 20px; }

  #eq-decision .dg-option-kpis {
    display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 16px;
  }

  #eq-decision .dg-kpi {
    padding: 10px 12px;
    background: var(--dg-bg);
    border-radius: 10px;
    border: 1px solid var(--dg-border);
  }

  #eq-decision .dg-kpi-label {
    font: 600 10px/1 "Inter",sans-serif;
    color: var(--dg-faint); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px;
  }

  #eq-decision .dg-kpi-val {
    font: 700 13px/1.3 "Montserrat","Inter",sans-serif;
  }

  #eq-decision .dg-pros-cons { display: flex; flex-direction: column; gap: 6px; }

  #eq-decision .dg-pro, #eq-decision .dg-con {
    display: flex; align-items: flex-start; gap: 8px;
    font: 500 12.5px/1.55 "Inter",sans-serif; color: var(--dg-muted);
  }

  #eq-decision .dg-pro::before {
    content: '✓'; color: var(--dg-green); font-weight: 800;
    flex-shrink: 0; margin-top: 1px; font-size: 12px;
  }

  #eq-decision .dg-con::before {
    content: '✗'; color: var(--dg-red); font-weight: 800;
    flex-shrink: 0; margin-top: 1px; font-size: 12px;
  }

  #eq-decision .dg-pro strong, #eq-decision .dg-con strong {
    color: var(--dg-text); font-weight: 700;
  }

  #eq-decision .dg-option-footer {
    padding: 14px 20px;
    border-top: 1px solid var(--dg-border);
    background: var(--dg-bg);
  }

  #eq-decision .dg-best-for {
    font: 600 11px/1 "Inter",sans-serif;
    color: var(--dg-faint); text-transform: uppercase;
    letter-spacing: 0.06em; margin-bottom: 6px;
  }

  #eq-decision .dg-best-for-text {
    font: 600 13px/1.5 "Inter",sans-serif; color: var(--dg-text);
  }

  /* ── Decision Matrix Table ── */
  #eq-decision .dg-matrix-title {
    font: 800 22px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--dg-navy); margin-bottom: 6px;
  }

  #eq-decision .dg-matrix-intro {
    font: 500 14px/1.7 "Inter",sans-serif;
    color: var(--dg-muted); margin-bottom: 24px; max-width: 72ch;
  }

  #eq-decision .dg-matrix-wrap {
    border: 1px solid var(--dg-border);
    border-radius: var(--dg-radius);
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,0.05);
    margin-bottom: 40px;
  }

  #eq-decision .dg-matrix-scroll { overflow-x: auto; }

  #eq-decision table {
    width: 100%; min-width: 700px;
    border-collapse: collapse;
  }

  #eq-decision thead tr { background: var(--dg-navy); }

  #eq-decision thead th {
    padding: 14px 18px;
    font: 700 12px/1.2 "Inter",sans-serif;
    color: rgba(255,255,255,0.85);
    letter-spacing: 0.05em; text-transform: uppercase;
    text-align: left; white-space: nowrap;
  }

  #eq-decision thead th:first-child { padding-left: 22px; }

  #eq-decision thead .th-loan { color: #7fd6e8; }
  #eq-decision thead .th-lease { color: #ffd882; }
  #eq-decision thead .th-buy  { color: #a8f0b0; }

  #eq-decision tbody tr {
    border-bottom: 1px solid var(--dg-border);
    transition: background 0.1s ease;
  }

  #eq-decision tbody tr:last-child { border-bottom: none; }
  #eq-decision tbody tr:nth-child(even) { background: rgba(0,40,104,0.02); }
  #eq-decision tbody tr:hover { background: rgba(0,40,104,0.04); }

  #eq-decision td {
    padding: 13px 18px;
    font: 500 13.5px/1.5 "Inter",sans-serif;
    color: var(--dg-muted);
    vertical-align: top;
  }

  #eq-decision td:first-child {
    font: 700 13.5px/1.3 "Montserrat","Inter",sans-serif;
    color: var(--dg-text);
    padding-left: 22px;
    white-space: nowrap;
  }

  #eq-decision .dg-cell-good  { color: var(--dg-green); font-weight: 700; }
  #eq-decision .dg-cell-ok    { color: var(--dg-amber); font-weight: 600; }
  #eq-decision .dg-cell-poor  { color: var(--dg-red);   font-weight: 600; }
  #eq-decision .dg-cell-best  {
    display: inline-flex; align-items: center; gap: 5px;
    padding: 3px 9px; border-radius: 999px;
    background: rgba(0,135,90,0.10); color: var(--dg-green);
    font: 700 12px/1 "Inter",sans-serif;
  }

  /* ── Decision Tree / Scenarios ── */
  #eq-decision .dg-scenarios-title {
    font: 800 22px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--dg-navy); margin-bottom: 6px;
  }

  #eq-decision .dg-scenarios-intro {
    font: 500 14px/1.7 "Inter",sans-serif;
    color: var(--dg-muted); margin-bottom: 24px; max-width: 72ch;
  }

  #eq-decision .dg-scenarios {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 36px;
  }

  #eq-decision .dg-scenario {
    padding: 20px 22px;
    border-radius: 14px;
    background: var(--dg-bg-card);
    border: 1px solid var(--dg-border);
    display: flex; flex-direction: column; gap: 8px;
  }

  #eq-decision .dg-scenario-header {
    display: flex; align-items: center; gap: 10px;
  }

  #eq-decision .dg-scenario-icon {
    width: 36px; height: 36px; border-radius: 10px;
    display: grid; place-items: center; flex-shrink: 0;
    font-size: 18px;
  }

  #eq-decision .dg-scenario-rec {
    font: 800 15px/1.2 "Montserrat","Inter",sans-serif;
    color: var(--dg-text);
  }

  #eq-decision .dg-scenario-rec span {
    display: block; font: 700 11px/1 "Inter",sans-serif;
    text-transform: uppercase; letter-spacing: 0.06em;
    margin-bottom: 3px;
  }

  #eq-decision .dg-scenario-body {
    font: 500 13px/1.65 "Inter",sans-serif;
    color: var(--dg-muted); margin: 0;
  }

  #eq-decision .dg-scenario-body strong { color: var(--dg-text); font-weight: 700; }

  #eq-decision .dg-scenario-example {
    display: flex; align-items: flex-start; gap: 7px;
    padding: 9px 12px; border-radius: 8px;
    background: var(--dg-bg);
    font: 600 12px/1.5 "Inter",sans-serif; color: var(--dg-muted);
    margin-top: 4px;
  }

  #eq-decision .dg-scenario-example::before {
    content: '→'; color: var(--dg-navy); font-weight: 800; flex-shrink: 0;
  }

  /* ── Gov Note Strip ── */
  #eq-decision .dg-gov-strip {
    padding: 14px 20px;
    background: var(--dg-navy-bg);
    border: 1px solid rgba(0,40,104,0.12);
    border-radius: 12px;
    display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  }

  #eq-decision .dg-gov-text {
    font: 500 13px/1.6 "Inter",sans-serif; color: var(--dg-muted);
    flex: 1; min-width: 200px; margin: 0;
  }

  #eq-decision .dg-gov-text strong { color: var(--dg-navy); font-weight: 700; }
  #eq-decision .dg-gov-text a { color: var(--dg-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

  #eq-decision .dg-gov-links { display: flex; gap: 8px; flex-wrap: wrap; flex-shrink: 0; }

  #eq-decision .dg-gov-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(--dg-navy);
    text-decoration: none; white-space: nowrap; transition: background 0.12s;
  }

  #eq-decision .dg-gov-link:hover { background: var(--dg-navy-bg); }

  /* ── Responsive ── */
  @media (max-width: 960px) { #eq-decision .dg-options { grid-template-columns: 1fr 1fr; } #eq-decision .dg-checker { grid-template-columns: 1fr; } }
  @media (max-width: 700px) { #eq-decision .dg-options { grid-template-columns: 1fr; } #eq-decision .dg-scenarios { grid-template-columns: 1fr; } }
  @media (max-width: 540px) { #eq-decision { padding: 48px 16px; } }



  /* ── Related Calculators Section ── */
  #efc-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;
  }

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

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

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

  #efc-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;
  }

  #efc-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);
  }

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

  #efc-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;
  }

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

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

  #efc-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;
  }

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

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

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

  /* ── Card base ── */
  #efc-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;
  }

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

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

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

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

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

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

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

  #efc-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;
  }

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

  #efc-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;
  }

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

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

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

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

  #efc-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;
  }

  #efc-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);
  }

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

  #efc-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;
  }

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

  /* Hidden cards */
  #efc-related-calculators .rc-card[data-hidden="true"] { display: none; }

  /* ── Bottom CTA banner ── */
  #efc-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;
  }

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

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

  #efc-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;
  }

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

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

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

  @media (max-width: 520px) {
    #efc-related-calculators { padding: 48px 16px; }
    #efc-related-calculators .rc-grid { grid-template-columns: 1fr; }
    #efc-related-calculators .rc-card.rc-featured { grid-column: span 1; }
    #efc-related-calculators .rc-header { flex-direction: column; align-items: flex-start; }
  }
/* ════════════════════════════════════════════════════
   LEGAL DISCLAIMER & TERMS SECTION
   ════════════════════════════════════════════════════ */
#etc-legal-disclaimer { margin-top: 40px; padding-top: 30px; border-top: 1px solid var(--g200); }
.ld-wrap { display: flex; flex-direction: column; gap: 20px; }
.ld-top { display: grid; grid-template-columns: 2fr 1fr; gap: 20px; align-items: start; }

/* Main Cards */
.ld-main-card, .ld-gov-card { background: #fff; border-radius: var(--rl); border: 1px solid var(--g200); box-shadow: var(--sh); overflow: hidden; }

/* Main Disclaimer Header */
.ld-main-header { background: var(--navy-xl); padding: 18px 22px; display: flex; align-items: center; gap: 12px; border-bottom: 1px solid var(--g200); }
.ld-main-header svg { color: var(--navy); }
.ld-main-header h3 { font-size: 16px; font-weight: 800; color: var(--navy); margin: 0; display: flex; align-items: center; gap: 6px; }
.ld-main-header h3 span { font-weight: 500; color: var(--g500); }

/* Main Disclaimer Body */
.ld-main-body { padding: 22px; }
.ld-blocks { display: flex; flex-direction: column; gap: 16px; }
.ld-block { display: flex; gap: 14px; align-items: flex-start; }
.ld-block-icon { width: 28px; height: 28px; border-radius: 6px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.ld-block-icon.red { background: var(--red-l); color: var(--red); }
.ld-block-icon.amber { background: var(--amber-l); color: var(--amber); }
.ld-block-icon.navy { background: var(--navy-xl); color: var(--navy); }
.ld-block-icon.green { background: var(--green-l); color: var(--green); }
.ld-block-content p { margin: 0; font-size: 12px; color: var(--g600); line-height: 1.5; }
.ld-block-content strong { color: var(--g900); }
.ld-divider { border: none; border-top: 1px solid var(--g100); margin: 0; }

/* Gov Links Card */
.ld-gov-header { background: var(--navy); color: #fff; padding: 18px 22px; display: flex; align-items: flex-start; gap: 12px; }
.ld-gov-header-text { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 700; line-height: 1.2; }
.ld-gov-header-text p { font-family: 'DM Sans', sans-serif; font-size: 10px; font-weight: 400; color: rgba(255,255,255,0.7); margin: 4px 0 0 0; text-transform: none; letter-spacing: 0; }
.ld-gov-list { list-style: none; padding: 0; margin: 0; }
.ld-gov-list li { border-bottom: 1px solid var(--g200); }
.ld-gov-list li:last-child { border-bottom: none; }
.ld-gov-link { display: flex; align-items: center; gap: 12px; padding: 16px 20px; text-decoration: none; transition: background 0.15s; }
.ld-gov-link:hover { background: var(--g50); }
.ld-gov-flag { width: 24px; height: 17px; flex-shrink: 0; border: 1px solid var(--g200); border-radius: 2px; overflow: hidden; display: flex; }
.ld-gov-flag svg { width: 100%; height: 100%; object-fit: cover; }
.ld-gov-link-name { display: block; font-size: 12px; font-weight: 700; color: var(--navy); margin-bottom: 2px; }
.ld-gov-link-desc { display: block; font-size: 10px; color: var(--g500); line-height: 1.3; }
.ld-gov-link-arrow { margin-left: auto; color: var(--g400); transition: transform 0.15s; flex-shrink: 0; }
.ld-gov-link:hover .ld-gov-link-arrow { transform: translateX(3px); color: var(--navy); }
.ld-gov-footer-note { padding: 12px 20px; font-size: 10px; color: var(--g400); background: var(--g50); text-align: center; border-top: 1px solid var(--g200); }

/* Bottom Info Row */
.ld-bottom { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 8px; }
.ld-info-card { background: #fff; border: 1px solid var(--g200); border-radius: 12px; padding: 16px; text-align: center; box-shadow: 0 1px 3px rgba(0,40,104,.04); }
.ld-info-label { font-size: 9px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--g400); margin-bottom: 4px; font-family: 'Montserrat', sans-serif; }
.ld-info-value { font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.ld-info-sub { font-size: 10px; color: var(--g500); line-height: 1.4; }

/* Mobile Responsiveness */
@media (max-width: 850px) {
  .ld-top { grid-template-columns: 1fr; }
  .ld-bottom { grid-template-columns: 1fr; }
}

.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;
}