: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}}
    /* ── Shared Layout ── */
    .wrap { max-width: 1500px; margin: 0 auto; padding: 18px 14px 34px; }
    .card { background: var(--card); border: 1px solid var(--border); border-radius: 14px; padding: 20px 22px; box-shadow: var(--shadow); }
    .card + .card { margin-top: 16px; }

    /* ── Section Divider Title (same .title style as calc) ── */
    .sec-title {
      display: flex;
      align-items: center;
      gap: 9px;
      font-size: 1rem;
      font-weight: 800;
      color: var(--navy);
      padding-bottom: 12px;
      margin-bottom: 18px;
      border-bottom: 2px solid #eef3f7;
    }
    .sec-icon {
      width: 28px; height: 28px;
      border-radius: 8px;
      background: var(--navy);
      color: #fff;
      display: flex; align-items: center; justify-content: center;
      font-size: .8rem;
      font-weight: 800;
      flex-shrink: 0;
    }

    /* ── AdSense Slot ── */
    .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: 20px;
    }
    .ad-slot strong { color: var(--navy); }

    /* ══════════════════════════════════════════
       SECTION 1 — HOW THIS CALCULATOR WORKS
    ══════════════════════════════════════════ */
    .how-intro {
      font-size: .93rem;
      color: var(--muted);
      margin-bottom: 18px;
      max-width: 880px;
    }
    .steps-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
    }
    .step-card {
      background: #f7faff;
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 16px;
      position: relative;
    }
    .step-num {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      width: 32px; height: 32px;
      background: var(--navy);
      color: #fff;
      border-radius: 9px;
      font-family: Montserrat, sans-serif;
      font-size: .78rem;
      font-weight: 800;
      margin-bottom: 10px;
    }
    .step-card h4 { font-size: .88rem; color: var(--navy); margin-bottom: 6px; }
    .step-card p  { font-size: .78rem; color: var(--muted); line-height: 1.55; }

    .formula-box {
      background: var(--navy);
      color: #fff;
      border-radius: 10px;
      padding: 14px 18px;
      margin-top: 18px;
      font-size: .82rem;
      line-height: 1.7;
    }
    .formula-box .f-label {
      font-family: Montserrat, sans-serif;
      font-size: .7rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: .06em;
      opacity: .75;
      margin-bottom: 6px;
    }
    .formula-box code {
      font-family: 'Courier New', monospace;
      font-size: .82rem;
      background: rgba(255,255,255,.1);
      padding: 2px 6px;
      border-radius: 4px;
    }

    /* ══════════════════════════════════════════
       SECTION 2 — KEY TERMS GLOSSARY
    ══════════════════════════════════════════ */
    .glossary-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 12px;
    }
    .gloss-item {
      background: #f7faff;
      border: 1px solid var(--border);
      border-left: 4px solid var(--navy);
      border-radius: 0 10px 10px 0;
      padding: 12px 14px;
    }
    .gloss-item h4 {
      font-size: .83rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 4px;
    }
    .gloss-item p { font-size: .78rem; color: var(--muted); line-height: 1.55; }
    .gloss-badge {
      display: inline-block;
      padding: 2px 7px;
      border-radius: 999px;
      font-size: .62rem;
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: .04em;
      margin-bottom: 5px;
    }
    .badge-cost  { background: #fff0f3; color: var(--red); border: 1px solid #fccdd5; }
    .badge-tax   { background: #fff8e1; color: var(--amber); border: 1px solid #f7e0a0; }
    .badge-ret   { background: #e8f5e9; color: #1b5e20; border: 1px solid #a5d6a7; }
    .badge-acc   { background: #e3f2fd; color: #0d47a1; border: 1px solid #90caf9; }

    /* ══════════════════════════════════════════
       SECTION 3 — QUICK TIPS / PRO TIPS BANNER
    ══════════════════════════════════════════ */
    .tips-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 12px;
    }
    .tip-card {
      display: flex;
      gap: 12px;
      align-items: flex-start;
      background: #f7faff;
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 14px;
    }
    .tip-icon {
      width: 36px; height: 36px;
      background: var(--green);
      border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.05rem;
      flex-shrink: 0;
    }
    .tip-icon.warn { background: var(--amber); }
    .tip-icon.danger { background: var(--red); }
    .tip-icon.info { background: var(--navy); }
    .tip-card h4 { font-size: .83rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
    .tip-card p  { font-size: .76rem; color: var(--muted); line-height: 1.55; }

    /* ══════════════════════════════════════════
       SECTION 4 — FAQ ACCORDION
    ══════════════════════════════════════════ */
    .faq-list { display: flex; flex-direction: column; gap: 8px; }
    .faq-item { border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
    .faq-q {
      width: 100%;
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 13px 16px;
      background: var(--card);
      cursor: pointer;
      border: none;
      text-align: left;
      font-family: Montserrat, sans-serif;
      font-size: .84rem;
      font-weight: 700;
      color: var(--navy);
      transition: background .2s;
      gap: 12px;
    }
    .faq-q:hover { background: #f0f5ff; }
    .faq-q[aria-expanded="true"] { background: var(--navy); color: #fff; }
    .faq-q[aria-expanded="true"] .faq-chevron { transform: rotate(180deg); filter: brightness(5); }
    .faq-chevron {
      width: 18px; height: 18px;
      flex-shrink: 0;
      transition: transform .25s ease, filter .25s;
    }
    .faq-body {
      display: none;
      padding: 12px 16px 14px;
      font-size: .82rem;
      color: var(--muted);
      line-height: 1.65;
      background: #f7faff;
      border-top: 1px solid var(--border);
    }
    .faq-body.open { display: block; }
    .faq-body strong { color: var(--navy); }

    /* ══════════════════════════════════════════
       SECTION 5 — REAL-WORLD EXAMPLES TABLE
    ══════════════════════════════════════════ */
    .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 12px;
      font-size: .72rem;
      white-space: nowrap;
      font-family: Montserrat, sans-serif;
    }
    .table-wrap td {
      padding: 9px 12px;
      border-bottom: 1px solid var(--border);
      white-space: nowrap;
    }
    .table-wrap tbody tr:nth-child(even) { background: #f8fbff; }
    .table-wrap tbody tr:hover { background: #eef4ff; transition: background .15s; }
    .verdict-good  { color: #1b5e20; font-weight: 700; }
    .verdict-warn  { color: var(--amber); font-weight: 700; }
    .verdict-bad   { color: var(--red); font-weight: 700; }
    .note {
      font-size: .72rem;
      color: var(--muted);
      margin-top: 10px;
      background: #f3f5f8;
      padding: 10px 12px;
      border-radius: 8px;
    }

    /* ══════════════════════════════════════════
       SECTION 6 — RELATED CALCULATORS
    ══════════════════════════════════════════ */
    .related-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 12px;
    }
    .related-card {
      background: #f7faff;
      border: 1px solid var(--border);
      border-radius: 12px;
      padding: 14px 15px;
      text-decoration: none;
      color: inherit;
      transition: box-shadow .2s, border-color .2s, transform .2s;
      display: block;
    }
    .related-card:hover {
      box-shadow: 0 8px 24px rgba(0,40,104,.10);
      border-color: var(--navy);
      transform: translateY(-2px);
    }
    .related-card .r-icon {
      font-size: 1.5rem;
      margin-bottom: 8px;
      display: block;
    }
    .related-card h4 {
      font-size: .82rem;
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 4px;
      line-height: 1.3;
    }
    .related-card p { font-size: .72rem; color: var(--muted); line-height: 1.45; }
    .related-card .r-link {
      display: inline-flex;
      align-items: center;
      gap: 4px;
      margin-top: 8px;
      font-size: .72rem;
      font-weight: 700;
      color: var(--green);
      text-decoration: none;
      font-family: Montserrat, sans-serif;
    }

    /* ══════════════════════════════════════════
       SECTION 7 — DISCLAIMER
    ══════════════════════════════════════════ */
    .disclaimer-box {
      background: #fff8e1;
      border: 1.5px solid #ffe082;
      border-radius: 12px;
      padding: 16px 18px;
    }
    .disclaimer-box .d-header {
      display: flex;
      align-items: center;
      gap: 8px;
      margin-bottom: 10px;
    }
    .disclaimer-box .d-badge {
      background: var(--amber);
      color: #fff;
      border-radius: 6px;
      padding: 3px 9px;
      font-family: Montserrat, sans-serif;
      font-size: .67rem;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: .05em;
    }
    .disclaimer-box h4 { font-size: .88rem; color: var(--ink); }
    .disclaimer-box p {
      font-size: .78rem;
      color: var(--muted);
      line-height: 1.65;
      margin-bottom: 8px;
    }
    .disclaimer-box p:last-child { margin-bottom: 0; }
    .disclaimer-box a { color: var(--navy); font-weight: 600; }

    /* ══════════════════════════════════════════
       RESPONSIVE
    ══════════════════════════════════════════ */
    @media (max-width: 1000px) {
      .steps-grid    { grid-template-columns: repeat(2, 1fr); }
      .related-grid  { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 720px) {
      .steps-grid    { grid-template-columns: 1fr; }
      .glossary-grid { grid-template-columns: 1fr; }
      .tips-grid     { grid-template-columns: 1fr; }
      .related-grid  { grid-template-columns: 1fr; }
    }
    @media (max-width: 640px) {
      .wrap { padding: 12px 10px 28px; }
      .card { padding: 16px 14px; }
      .faq-q { font-size: .8rem; }
      .formula-box { font-size: .76rem; }
    }

/* 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%;
  }
}



/* ============================================================
   📱 AGGRESSIVE MOBILE GRID CONTAINMENT & INTERACTION FIX
   Forces columns to 1fr and completely stops input/result overflow.
   ============================================================ */

/* Enforce desktop font priority balances before initialization scaling changes */
.sec-title { font-size: clamp(1.2rem, 3vw, 1.4rem) !important; font-weight: 800; color: var(--navy); }
.step-card h4, .gloss-item h4, .tip-card h4 { color: var(--navy) !important; font-weight: 700; }


@media (max-width: 950px) {
  
  /* 1. Force structural grid shells to a single vertical track */
  .layout, 
  .layout-2, 
  .layout-main, 
  .steps-grid, 
  .glossary-grid, 
  .tips-grid, 
  .related-grid,
  .form-grid {
    grid-template-columns: 1fr !important;
    display: grid !important;
    gap: 12px !important;
    width: 100% !important;
  }

  /* 2. Lock down parent container expansion to phone viewport */
  .wrap, .card, #results, #placeholder {
    width: 100% !important;
    max-width: 100% !important;
    padding-left: 12px !important;
    padding-right: 12px !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
    box-sizing: border-box !important;
  }

  /* 3. Prevent inner grid structural child items from blowing out */
  .layout > div, 
  .layout-main > div, 
  .layout-2 > div {
    min-width: 0 !important;
    width: 100% !important;
    box-sizing: border-box !important;
  }

  /* 4. Force text field forms and selections to match structural card wrapper widths */
  .form-row input, 
  .form-row select,
  .form-row {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
  }

  /* 5. Clean up data table scrolling structures */
  .table-wrap {
    width: 100% !important;
    max-width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
    display: block !important;
  }
  .table-wrap table {
    table-layout: auto !important;
    min-width: 550px !important; /* Table elements scroll natively inside card container bounds */
  }
  .table-wrap th, .table-wrap td {
    white-space: normal !important;
    word-break: break-word !important;
  }

  /* 6. Chart viewport restrictions */
  .chart-wrap {
    height: 250px !important;
    width: 100% !important;
  }
  
  /* 7. Quick mobile action items layout stack */
  .actions {
    display: flex !important;
    flex-direction: column !important;
    gap: 10px !important;
    width: 100% !important;
  }
  .btn {
    width: 100% !important;
    justify-content: center !important;
  }
}

/* 8. GLOBAL INTENTIONAL CONTAINER SAFE RESETS */
* {
  max-width: 100vw;
  box-sizing: border-box !important;
}
html, body {
  width: 100% !important;
  max-width: 100vw !important;
  overflow-x: hidden !important;
}

/* ============================================================
   🎨 HIERARCHY & BRAND COLOR LOCK
   Ensures H3 is always smaller than H2 and Navy.
   ============================================================ */

/* Targets headings inside educational cards and standard prose */
.edu-card h2, .prose h2, .card h2 {
    font-size: 1.4rem !important;
    color: var(--navy) !important;
    font-weight: 800 !important;
    margin: 24px 0 12px;
}

.edu-card h3, .prose h3, .card h3 {
    font-size: 1.15rem !important; /* Smaller than H2 */
    color: var(--navy) !important; /* Forces Brand Navy */
    font-weight: 800 !important;
    margin: 20px 0 10px;
}

.edu-card h4, .prose h4, .card h4 {
    font-size: 0.95rem !important; /* Smaller than H3 */
    color: var(--navy2) !important; /* Secondary Navy */
    font-weight: 700 !important;
    margin: 16px 0 8px;
}