: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}}
     *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    html { scroll-behavior: smooth; }
    body { font-family: Inter, sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; -webkit-font-smoothing: antialiased; }
    h1, h2, h3, h4 { font-family: Montserrat, sans-serif; }

    /* ── 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 title — matches .title from 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: .82rem; font-weight: 800; flex-shrink: 0;
    }

    /* ── AdSense ── */
    .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); }

    /* ── Note / formula box ── */
    .note {
      font-size: .72rem; color: var(--muted); margin-top: 10px;
      background: #f3f5f8; padding: 10px 12px; border-radius: 8px;
    }
    .formula-box {
      background: var(--navy); color: #fff; border-radius: 10px;
      padding: 14px 18px; margin-top: 18px; font-size: .82rem; line-height: 1.75;
    }
    .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: .8rem;
      background: rgba(255,255,255,.12); padding: 2px 6px; border-radius: 4px;
    }

    /* ══ SECTION 1 — HOW IT WORKS ══ */
    .how-intro { font-size: .93rem; color: var(--muted); margin-bottom: 18px; max-width: 900px; }
    .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; }
    .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; }

    /* ══ SECTION 2 — 2026 BRACKET 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; }
    .rate-10  { color: #1b5e20; font-weight: 700; }
    .rate-12  { color: #2e7d32; font-weight: 700; }
    .rate-22  { color: var(--amber); font-weight: 700; }
    .rate-24  { color: #c65a00; font-weight: 700; }
    .rate-32  { color: var(--red); font-weight: 700; }
    .rate-35  { color: #8f001e; font-weight: 700; }
    .rate-37  { color: #5d0010; font-weight: 700; }

    /* ══ SECTION 3 — 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-ord  { background: #e3f2fd; color: #0d47a1; border: 1px solid #90caf9; }
    .badge-biz  { background: #fff8e1; color: var(--amber); border: 1px solid #ffe082; }
    .badge-inv  { background: #e8f5e9; color: #1b5e20; border: 1px solid #a5d6a7; }
    .badge-tax  { background: #fff0f3; color: var(--red); border: 1px solid #fccdd5; }

    /* ══ SECTION 4 — PRO TIPS ══ */
    .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; border-radius: 10px;
      display: flex; align-items: center; justify-content: center;
      font-size: 1.05rem; flex-shrink: 0;
    }
    .ti-green  { background: var(--green); }
    .ti-amber  { background: var(--amber); }
    .ti-red    { background: var(--red); }
    .ti-navy   { 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 5 — REAL-WORLD EXAMPLES ══ */
    .verdict-good { color: #1b5e20; font-weight: 700; }
    .verdict-warn { color: var(--amber); font-weight: 700; }
    .verdict-bad  { color: var(--red); font-weight: 700; }

    /* ══ SECTION 6 — 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 7 — 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 8 — 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%;
  }
}

/* ============================================================
   🎨 HIERARCHY & BRAND COLOR LOCK
   ============================================================ */
.card h2, .sec-title { font-size: 1.4rem !important; color: var(--navy) !important; font-weight: 800; line-height: 1.3; }
.card h3 { font-size: 1.15rem !important; color: var(--navy) !important; font-weight: 800; margin: 20px 0 10px; }
.card h4, .step-card h4, .tip-card h4 { font-size: 0.95rem !important; color: var(--navy2) !important; font-weight: 700; }

/* ============================================================
   📱 ULTIMATE MOBILE GRID 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: 950px) {
  /* Force all structural grids to stack */
  .layout, .layout-2, .layout-main, .steps-grid, .glossary-grid, .tips-grid, .related-grid, .form-grid {
    grid-template-columns: 1fr !important;
    display: grid !important;
    gap: 14px !important;
    width: 100% !important;
  }

  /* Lock down parent containers */
  .wrap, .card, #results, #placeholder {
    width: 100% !important;
    max-width: 100vw !important;
    padding-left: 12px !important;
    padding-right: 12px !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
  }

  /* Kill Grid Blowout on Invisible Columns */
  .layout > div { min-width: 0 !important; width: 100% !important; }

  /* Force forms to fit */
  .form-row input, .form-row select, .form-row { width: 100% !important; max-width: 100% !important; }

  /* Table Overflow Fix */
  .table-wrap {
    width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
    display: block !important;
  }
  .table-wrap table { table-layout: auto !important; min-width: 600px !important; }
  .table-wrap th, .table-wrap td { white-space: normal !important; word-break: break-word !important; }

  /* Chart & Buttons */
  .chart-wrap { height: 250px !important; width: 100% !important; }
  .actions { display: flex !important; flex-direction: column !important; width: 100% !important; }
  .actions .btn { width: 100% !important; justify-content: center !important; }
}