:root{--navy:#002868;--navy2:#214d88;--green:#00875A;--red:#BF0A30;--amber:#b88100;--ink:#1D1D1F;--muted:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--card:#fff;--shadow:0 6px 20px rgba(0,40,104,.06)}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 16px 26px}.hero-inner{max-width:1500px;margin:0 auto}.hero h1{font-size:clamp(1.7rem,4vw,2.7rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.97rem;max-width:1180px;opacity:.93}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);font-size:.72rem;font-weight:700}
    .wrap{max-width:1500px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--border);border-radius:10px;padding:16px;text-align:center;color:var(--muted);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--navy)}
    .layout{display:grid;grid-template-columns:1.12fr .88fr;gap:18px}.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:var(--shadow)}.card+.card{margin-top:12px}.title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--muted);margin-top:2px} input[type=number],select{width:100%;padding:10px 11px;border:1.5px solid var(--border);border-radius:8px;background:#fff;font:inherit;font-size:.88rem;color:var(--ink);outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)}.btn-outline:hover{background:var(--red);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .placeholder{text-align:center;padding:46px 18px;color:var(--muted)}.placeholder .emoji{font-size:2.5rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#805c00)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.32rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:320px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--navy)}.note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    @media(max-width:1150px){.layout{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
    /* ── EDUCATIONAL WRAP ── */
.edu-wrap{max-width:1500px;margin:0 auto;padding:0 14px 48px}
.edu-divider{height:3px;background:linear-gradient(90deg,var(--navy),var(--navy2),transparent);border-radius:2px;margin:0 0 28px}

/* ── SECTION TITLE — mirrors .title in tool ── */
.sec-title{display:flex;align-items:center;gap:9px;font-family:Montserrat,sans-serif;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:16px;border-bottom:2px solid #eef3f7}

/* ── CARD — exact mirror of .card ── */
.edu-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow);margin-bottom:14px}

/* ── BODY TEXT ── */
.edu-card p{font-size:.875rem;color:var(--ink);line-height:1.75;margin-bottom:12px}
.edu-card p:last-child{margin-bottom:0}
.edu-card h4{font-family:Montserrat,sans-serif;font-size:.88rem;font-weight:800;color:var(--navy);margin:16px 0 7px}
.edu-card h4:first-child{margin-top:0}
.edu-card ul,.edu-card ol{padding-left:20px;margin-bottom:12px}
.edu-card li{font-size:.86rem;color:var(--ink);line-height:1.7;margin-bottom:5px}
.edu-card strong{font-weight:700;color:var(--ink)}
.edu-card a{color:var(--navy);font-weight:600;text-decoration:none}
.edu-card a:hover{text-decoration:underline}

/* ── STEP CARDS (How It Works) ── */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:14px}
.step-card{background:#f7faff;border:1.5px solid #d0dae8;border-radius:12px;padding:16px;position:relative}
.step-card::before{content:attr(data-step);position:absolute;top:-12px;left:16px;background:var(--navy);color:#fff;font-family:Montserrat,sans-serif;font-size:.72rem;font-weight:800;padding:3px 10px;border-radius:999px}
.step-card h4{font-family:Montserrat,sans-serif;font-size:.84rem;font-weight:800;color:var(--navy);margin:8px 0 6px}
.step-card p{font-size:.78rem;color:var(--muted);line-height:1.6;margin:0}
.step-card .step-icon{font-size:1.5rem;margin-bottom:4px}

/* ── KPI REFERENCE GRID — mirrors .kpis ── */
.ref-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:16px 0}
.ref-kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:12px;text-align:center}
.ref-kpi .rlabel{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
.ref-kpi .rval{font-size:1rem;font-weight:800;color:var(--navy)}
.ref-kpi .rsub{font-size:.68rem;color:var(--muted);margin-top:3px;line-height:1.4}

/* ── ALERT BOXES — mirrors .alert ── */
.edu-alert{padding:12px 14px;border-radius:0 8px 8px 0;font-size:.82rem;margin:14px 0;line-height:1.65}
.edu-alert.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
.edu-alert.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
.edu-alert.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
.edu-alert.navy{background:#e8eef8;border-left:4px solid var(--navy);color:#001850}

/* ── TWO COLUMN LAYOUT ── */
.edu-2col{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:14px 0}
.edu-3col{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0}
.edu-box{background:#f7faff;border:1px solid #d0dae8;border-radius:10px;padding:14px 16px}
.edu-box h4{font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;color:var(--navy);margin-bottom:8px}
.edu-box p,.edu-box li{font-size:.78rem;color:var(--ink);line-height:1.6}
.edu-box ul{padding-left:16px;margin:0}

/* ── TABLE — mirrors .table-wrap ── */
.edu-table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px;margin:14px 0}
.edu-table-wrap table{width:100%;border-collapse:collapse;font-size:.8rem}
.edu-table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-size:.73rem;white-space:nowrap}
.edu-table-wrap td{padding:9px 12px;border-bottom:1px solid var(--border);vertical-align:top;line-height:1.55}
.edu-table-wrap tbody tr:nth-child(even){background:#f8fbff}
.edu-table-wrap .strong-cell{font-weight:800;color:var(--navy)}
.edu-table-wrap tr:last-child td{border-bottom:none}

/* ── SCENARIO BAND ── */
.scenario-band{background:linear-gradient(135deg,var(--navy),var(--navy2));border-radius:14px;padding:20px 22px;color:#fff;margin:14px 0}
.scenario-band h4{font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:800;color:#fff;margin-bottom:12px}
.scenario-band .sc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.scenario-band .sc-item{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:12px}
.scenario-band .sc-label{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;opacity:.8;margin-bottom:5px}
.scenario-band .sc-val{font-size:.95rem;font-weight:800}
.scenario-band .sc-desc{font-size:.72rem;opacity:.85;margin-top:4px;line-height:1.45}

/* ── FAQ — mirrors toggle pattern ── */
.faq-wrap{display:flex;flex-direction:column;gap:8px}
.faq-item{border:1px solid var(--border);border-radius:10px;overflow:hidden;background:var(--card)}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:13px 16px;cursor:pointer;font-size:.86rem;font-weight:700;color:var(--navy);gap:12px;transition:background .2s}
.faq-q:hover{background:#f0f4fb}
.faq-arrow{font-size:.9rem;transition:transform .25s;flex-shrink:0;color:var(--navy2)}
.faq-a{display:none;padding:0 16px 14px;font-size:.82rem;color:var(--ink);line-height:1.7;border-top:1px solid #eef3f7}
.faq-a p{margin:10px 0 0}
.faq-a p:first-child{margin-top:10px}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-arrow{transform:rotate(180deg)}

/* ── NOTE BOX — mirrors .note ── */
.edu-note{font-size:.75rem;color:var(--muted);margin-top:12px;background:#f3f5f8;padding:11px 13px;border-radius:8px;line-height:1.6}

/* ── PILL TAGS — mirrors .tags .tag ── */
.edu-tags{display:flex;flex-wrap:wrap;gap:6px;margin:10px 0}
.edu-tag{padding:4px 10px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.72rem;color:var(--muted)}
.edu-tag.navy{background:#e8eef8;border-color:#c0ccf0;color:var(--navy);font-weight:700}

/* ── RESPONSIVE ── */
@media(max-width:1150px){
  .ref-kpis{grid-template-columns:repeat(2,1fr)}
  .steps-grid{grid-template-columns:repeat(2,1fr)}
  .scenario-band .sc-grid{grid-template-columns:repeat(2,1fr)}
  .edu-3col{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .edu-2col{grid-template-columns:1fr}
  .edu-3col{grid-template-columns:1fr}
  .ref-kpis{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:640px){
  .steps-grid{grid-template-columns:1fr}
  .ref-kpis{grid-template-columns:1fr}
  .scenario-band .sc-grid{grid-template-columns:1fr}
  .edu-wrap{padding:0 10px 36px}
  .edu-card{padding:16px}
}
/* GLOBAL SAFE CONTAINER */
.page-content,
.calc-wrap,
.card {
  box-sizing: border-box;
  max-width: 100%;
  overflow-x: hidden;
}
html,
body {
  max-width: 100%;
  overflow-x: hidden;
}
@media (max-width: 768px) {
  /* Core layout grids */
  .layout-grid,
  .metrics-grid,
  .scenario-grid,
  .legal-grid,
  .ed-pillars {
    grid-template-columns: 1fr !important;
  }

  /* Related calculators grids */
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr;
  }
}
/* Tables inside the tool */
.card table {
  table-layout: fixed;
  width: 100%;
}

.card th,
.card td {
  word-wrap: break-word;
  white-space: normal;
}

/* Hard clamp long words in any content */
.card,
.card * {
  word-break: break-word;
}
@media (max-width: 480px) {
  .primary-btn,
  .secondary-btn,
  .mode-toggle button,
  .faq-q,
  .related-card,
  .legal-footer-bar {
    max-width: 100%;
  }

  .tags {
    flex-wrap: wrap;
  }

  .tag {
    max-width: 100%;
  }
}

/* ============================================================
   📱 FINAL MOBILE STACKING & TYPOGRAPHY PATCH
   Fixes H2/H3/H4 hierarchy, colors, and completely stops overflow.
   ============================================================ */

/* 1. GLOBAL MOBILE CONTAINMENT */
html, body {
  max-width: 100vw !important;
  overflow-x: hidden !important;
  box-sizing: border-box !important;
}
*, *::before, *::after {
  box-sizing: border-box !important;
}

@media (max-width: 850px) {

  /* 2. STRICT TYPOGRAPHY HIERARCHY & BRAND COLORS */
  h2, .sec-title { 
    font-size: 1.4rem !important; 
    color: var(--navy) !important; 
    font-weight: 800 !important; 
    line-height: 1.3 !important;
  }
  h3 { 
    font-size: 1.15rem !important; 
    color: var(--navy) !important; 
    font-weight: 800 !important; 
    line-height: 1.4 !important;
  }
  h4 { 
    font-size: 0.95rem !important; 
    color: var(--navy2) !important; 
    font-weight: 700 !important; 
    line-height: 1.4 !important;
  }

  /* 3. FORCE ALL GRIDS TO SINGLE COLUMN */
  .layout, .layout-equal, .layout-2, .layout-main,
  .edu-2col, .edu-3col, .form-grid, .form-grid-3, 
  .kpis, .kpis-4, .ref-kpis, .steps-grid, .input-grid, 
  .result-grid, .scenario-band .sc-grid, .auth-grid {
    display: grid !important;
    grid-template-columns: 1fr !important;
    gap: 14px !important;
    width: 100% !important;
  }

  /* 4. SHRINK PADDING ON CONTAINERS TO PREVENT STRETCHING */
  .wrap, .edu-wrap, .card, .edu-card, .example-box, .scenario-band {
    width: 100% !important;
    max-width: 100vw !important;
    padding-left: 14px !important;
    padding-right: 14px !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    box-sizing: border-box !important;
  }

  /* 5. TABLE OVERFLOW FIX (KILL NOWRAP) */
  .table-wrap, .edu-table-wrap {
    width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
    display: block !important;
  }
  .table-wrap table, .edu-table-wrap table {
    min-width: 500px !important; /* Allow scroll inside container */
    table-layout: auto !important;
  }
  .table-wrap th, .table-wrap td, .edu-table-wrap th, .edu-table-wrap td {
    white-space: normal !important; /* OVERRIDES NOWRAP */
    word-break: break-word !important;
  }

  /* 6. INPUT FIELD CONTAINMENT */
  input, select, .form-row {
    width: 100% !important;
    max-width: 100% !important;
  }

  /* 7. CHART FIX */
  .chart-wrap {
    height: 250px !important;
    width: 100% !important;
  }
}
/* ============================================================
   📱 ULTIMATE CALCULATOR CONTAINMENT PATCH
   Kills "Grid Blowout" on the input and result columns.
   ============================================================ */

@media (max-width: 850px) {
  
  /* 1. Kill Grid Blowout (The Silver Bullet) */
  /* This forces the invisible columns holding the cards to shrink to the phone screen */
  .layout > div, 
  .layout-main > div, 
  .layout-equal > div {
    min-width: 0 !important;
    max-width: 100vw !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  /* 2. Force Inputs to Stack and Fit */
  .form-grid {
    display: grid !important;
    grid-template-columns: 1fr !important; /* Forces 1 input per row */
    gap: 12px !important;
    width: 100% !important;
  }
  .form-row input, 
  .form-row select {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
  }

  /* 3. Result Card & Table Fix */
  #results, #placeholder {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
  }
  
  /* Override the old fixed table rules so it scrolls natively */
  .card table {
    table-layout: auto !important; 
    min-width: 500px !important; 
  }
  .table-wrap {
    width: 100% !important;
    max-width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
    display: block !important;
  }
  
  /* 4. Chart Safety */
  .chart-wrap {
    width: 100% !important;
    max-width: 100% !important;
    height: 240px !important;
    overflow: hidden !important;
  }
  
  /* 5. Shrink Card Padding to Prevent Bleeding */
  .card {
    padding: 16px 12px !important; 
    width: 100% !important;
    max-width: 100% !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    box-sizing: border-box !important;
  }
}


/* ============================================================
   🎨 MISSING DESKTOP TYPOGRAPHY (Fixes Black/Large H3s)
   ============================================================ */
.edu-card h2, .prose h2 { font-size: 1.4rem !important; color: var(--navy) !important; font-weight: 800; margin: 24px 0 12px; line-height: 1.3; }
.edu-card h3, .prose h3 { font-size: 1.15rem !important; color: var(--navy) !important; font-weight: 800; margin: 20px 0 10px; line-height: 1.35; }
.edu-card h4, .prose h4 { font-size: 0.95rem !important; color: var(--navy2) !important; font-weight: 700; margin: 16px 0 8px; line-height: 1.4; }


/* ============================================================
   🎨 SCENARIO BAND CONTRAST FIX
   Restores white headings inside the dark blue scenario bands.
   ============================================================ */
.scenario-band h3, 
.scenario-band h4 {
  color: #ffffff !important;
}