:root {
    --p1: #002868;
    --p1d: #00183F;
    --p8: #BF0A30;
    --p9: #00875A;
    --p9h: #006644;
    --p8h: #9a0024;
    --white: #FFFFFF;
    --charcoal: #1D1D1F;
    --gray-text: #5F6368;
    --border: #E0E4E8;
    --bg-light: #F7F9FC;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  }

  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  
  body {
    font-family: 'Inter', sans-serif;
    background: #f0f4fb;
    color: var(--charcoal);
    line-height: 1.5;
    font-size: 14px;
  }

  /* ── LAYOUT ── */
  .calc-wrap { max-width: 1200px; margin: 40px auto; padding: 0 20px 60px; }

  /* ── TITLE BAR ── */
  .calc-title-bar {
    background: var(--p1);
    color: #fff;
    border-radius: 12px 12px 0 0;
    padding: 20px 24px;
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
  }
  .calc-title-left { display: flex; align-items: center; gap: 16px; z-index: 1; }
  .calc-title-icon {
    width: 48px; height: 48px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px; color: #fff; flex-shrink: 0;
    box-shadow: 0 4px 10px rgba(0,0,0,0.1);
  }
  .calc-title-bar h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px; font-weight: 800; line-height: 1.2; margin: 0; letter-spacing: -0.5px;
  color: #ffffff !important; /* Forces the text to stay white */
}
  }
  .calc-title-bar .badges { display: flex; gap: 8px; flex-wrap: wrap; z-index: 1; }
  .calc-badge {
    display: inline-flex; align-items: center; gap: 6px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    color: #fff;
    font-family: 'Inter', sans-serif;
    font-size: 11.5px; font-weight: 600; letter-spacing: 0.02em;
    padding: 6px 12px; border-radius: 6px; white-space: nowrap;
    backdrop-filter: blur(4px);
  }
  .calc-badge i { color: #4ade80; font-size: 11px; }

  /* ── BODY ── */
  .calc-body {
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 0;
    background: #fff;
    border: 1px solid var(--border);
    border-top: none;
    border-radius: 0 0 12px 12px;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(0,40,104,.08);
  }
  .calc-inputs { padding: 24px; border-right: 1px solid #e8eaf0; overflow-y: auto; }
  .calc-results-panel { background: #f0f4fb; padding: 24px; display: flex; flex-direction: column; gap: 16px; position: sticky; top: 20px; align-self: start; max-height: calc(100vh - 60px); overflow-y: auto; }

  /* ── MODE TABS ── */
  .mode-tabs {
    display: flex;
    gap: 6px;
    background: var(--bg-light);
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 5px;
    margin-bottom: 20px;
  }
  .mode-tab {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    padding: 9px 12px;
    border-radius: 7px;
    font-family: 'Montserrat', sans-serif;
    font-size: 12px;
    font-weight: 700;
    color: var(--gray-text);
    cursor: pointer;
    border: none;
    background: transparent;
    transition: all 180ms ease;
    white-space: nowrap;
  }
  .mode-tab:hover { color: var(--p1); background: rgba(0,40,104,0.05); }
  .mode-tab.active { background: var(--p1); color: #fff; box-shadow: 0 2px 8px rgba(0,40,104,.25); }
  .mode-tab i { font-size: 13px; }

  /* ── SECTION TITLE ── */
  .section-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 12px; font-weight: 800; letter-spacing: .05em; text-transform: uppercase;
    color: var(--p1); margin: 24px 0 12px; padding-bottom: 8px;
    border-bottom: 2px solid var(--bg-light);
    display: flex; align-items: center; gap: 8px;
  }
  .section-title:first-child { margin-top: 0; }
  .section-title i { color: var(--p9); }

  /* ── FORM FIELDS ── */
  .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .form-grid.cols3 { grid-template-columns: 1fr 1fr 1fr; }
  .field { display: flex; flex-direction: column; gap: 4px; }
  .field.full { grid-column: 1/-1; }
  .field label { font-size: 12.5px; font-weight: 600; color: var(--charcoal); }
  .field label span.hint { font-weight: 400; color: var(--gray-text); font-size: 11px; }
  .input-wrap { position: relative; display: flex; align-items: center; }
  .input-wrap .prefix, .input-wrap .suffix { position: absolute; font-size: 13px; font-weight: 600; color: var(--gray-text); pointer-events: none; z-index: 5; }
  .input-wrap .prefix { left: 12px; }
  .input-wrap .suffix { right: 12px; }

  /* NUCLEAR INPUT OVERRIDES */
  .calc-body input[type="text"],
  .calc-body input[type="number"],
  .calc-body select {
    width: 100% !important;
    padding: 9px 12px !important;
    border: 1.5px solid var(--border) !important;
    border-radius: 8px !important;
    font-family: 'Inter', sans-serif !important;
    font-size: 13.5px !important;
    color: var(--charcoal) !important;
    background-color: #ffffff !important;
    background-image: none !important;
    transition: all 0.2s !important;
    outline: none !important;
    -webkit-appearance: none !important;
    box-shadow: none !important;
    height: 40px !important;
  }
  .calc-body input:focus, .calc-body select:focus {
    border-color: var(--p1) !important;
    box-shadow: 0 0 0 3px rgba(0,40,104,.1) !important;
  }
  .input-wrap.has-prefix input { padding-left: 26px !important; }
  .input-wrap.has-suffix input { padding-right: 36px !important; }
  select {
    cursor: pointer !important;
    padding-right: 30px !important;
    background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%235F6368'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E") no-repeat right 10px center/12px #ffffff !important;
  }

  /* Slider */
  .slider-wrap { display: flex; flex-direction: column; gap: 6px; }
  .slider-wrap input[type="range"] {
    width: 100% !important;
    height: 6px !important;
    -webkit-appearance: auto !important;
    appearance: auto !important;
    accent-color: var(--p1) !important;
    cursor: pointer !important;
    padding: 0 !important;
    border: none !important;
    box-shadow: none !important;
    background: linear-gradient(to right, var(--p1) 0%, var(--p1) 60%, #e0e4e8 60%, #e0e4e8 100%) !important;
    border-radius: 9999px !important;
  }
  .slider-val { font-size: 13.5px; font-weight: 700; color: var(--p1); text-align: right; }

  /* ── UPGRADE CARDS ── */
  .upgrade-card {
    background: var(--bg-light);
    border: 1.5px solid var(--border);
    border-radius: 10px;
    margin-bottom: 10px;
    overflow: hidden;
    transition: border-color 180ms ease;
  }
  .upgrade-card.active { border-color: var(--p1); }
  .upgrade-header {
    display: flex; align-items: center; gap: 10px;
    padding: 12px 14px; cursor: pointer; user-select: none;
  }
  .upgrade-header .upgrade-toggle {
    width: 18px; height: 18px; border-radius: 4px;
    border: 2px solid var(--border);
    background: #fff;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0; transition: all 180ms ease;
    cursor: pointer;
  }
  .upgrade-card.active .upgrade-toggle { background: var(--p1); border-color: var(--p1); }
  .upgrade-toggle i { color: #fff; font-size: 10px; display: none; }
  .upgrade-card.active .upgrade-toggle i { display: block; }
  .upgrade-header .upgrade-icon { font-size: 20px; color: var(--p1); }
  .upgrade-header .upgrade-label {
    flex: 1;
    font-family: 'Montserrat', sans-serif;
    font-size: 13px; font-weight: 700; color: var(--charcoal);
  }
  .upgrade-header .upgrade-credit {
    font-size: 11px; font-weight: 700; color: var(--p9);
    background: #e6f5ef; padding: 3px 8px; border-radius: 9999px;
    white-space: nowrap;
  }
  .upgrade-body { padding: 14px; border-top: 1px solid var(--border); display: none; }
  .upgrade-card.active .upgrade-body { display: block; }

  /* Checkbox group */
  .checkbox-group { display: flex; flex-direction: column; gap: 8px; }
  .check-item { display: flex; align-items: center; gap: 10px; cursor: pointer; }
  .check-item input[type="checkbox"] {
    width: 16px !important; height: 16px !important;
    border-radius: 4px !important;
    accent-color: var(--p1);
    cursor: pointer;
    flex-shrink: 0;
    padding: 0 !important;
  }
  .check-item label {
    font-size: 13px; font-weight: 500; color: var(--charcoal); cursor: pointer;
  }
  .check-item .check-savings {
    margin-left: auto;
    font-size: 11px; font-weight: 700; color: var(--p9);
    white-space: nowrap;
  }

  /* Radio group */
  .radio-group { display: flex; gap: 6px; flex-wrap: wrap; }
  .radio-pill {
    display: flex; align-items: center; gap: 6px;
    padding: 7px 12px; border-radius: 9999px;
    border: 1.5px solid var(--border);
    font-size: 12.5px; font-weight: 600;
    color: var(--gray-text); cursor: pointer;
    background: #fff; transition: all 180ms ease;
  }
  .radio-pill input { display: none; }
  .radio-pill.active { border-color: var(--p1); color: var(--p1); background: rgba(0,40,104,0.05); }

  /* IRA Credit Badge */
  .ira-badge {
    display: inline-flex; align-items: center; gap: 6px;
    background: #fff7ed; border: 1px solid #fed7aa;
    color: #92400e; font-size: 12px; font-weight: 700;
    padding: 6px 12px; border-radius: 8px; margin-top: 10px;
  }
  .ira-badge i { color: #f59e0b; }

  /* Mode sections */
  .mode-section { display: none; }
  .mode-section.visible { display: block; }

  /* ── RESULTS PANEL ── */
  .results-header {
    font-family: 'Montserrat', sans-serif;
    font-size: 11px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase;
    color: var(--gray-text); margin-bottom: 4px;
  }

  .kpi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
  .kpi {
    background: #fff; border: 1px solid var(--border);
    border-radius: 10px; padding: 12px;
    transition: transform 200ms ease;
  }
  .kpi.featured { background: var(--p1); border-color: var(--p1); grid-column: 1/-1; }
  .kpi .kpi-label {
    font-family: 'Montserrat', sans-serif;
    font-size: 10px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
    color: var(--gray-text); margin-bottom: 4px;
  }
  .kpi.featured .kpi-label { color: rgba(255,255,255,.7); }
  .kpi .kpi-val {
    font-size: 22px; font-family: 'Montserrat', sans-serif; font-weight: 900;
    color: var(--p1); font-variant-numeric: tabular-nums;
    transition: color 300ms ease;
  }
  .kpi.featured .kpi-val { color: #fff; font-size: 26px; }
  .kpi .kpi-sub { font-size: 11px; color: #9ca3af; margin-top: 2px; }
  .kpi.featured .kpi-sub { color: rgba(255,255,255,.6); }
  .kpi .kpi-val.green { color: var(--p9); }
  .kpi .kpi-val.red { color: var(--p8); }
  .kpi .kpi-val.amber { color: #d97706; }

  /* Breakdown table */
  .breakdown-section {
    background: #fff; border: 1px solid var(--border);
    border-radius: 10px; overflow: hidden;
  }
  .breakdown-header {
    background: var(--p1); color: #fff;
    padding: 10px 14px;
    font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800; letter-spacing: .03em;
  }
  .breakdown-table { width: 100%; border-collapse: collapse; font-size: 12px; }
  .breakdown-table th {
    background: #f0f4fb; padding: 8px 10px;
    font-family: 'Montserrat', sans-serif; font-weight: 700; color: var(--p1);
    text-align: left; border-bottom: 1px solid var(--border);
    font-size: 10px; letter-spacing: .04em; text-transform: uppercase;
  }
  .breakdown-table td {
    padding: 8px 10px; border-bottom: 1px solid #f1f5f9;
    font-variant-numeric: tabular-nums;
  }
  .breakdown-table td.label { font-weight: 600; color: var(--charcoal); }
  .breakdown-table td.savings { font-weight: 700; color: var(--p9); }
  .breakdown-table td.credit { font-weight: 700; color: #d97706; }
  .breakdown-table tr:last-child td { border-bottom: none; }
  .breakdown-table tr.total-row td { background: #f0f4fb; font-weight: 800; border-top: 2px solid var(--border); }

  /* Bill before/after */
  .bill-section {
    background: #fff; border: 1px solid var(--border);
    border-radius: 10px; overflow: hidden;
  }
  .bill-header {
    background: var(--p1); color: #fff;
    padding: 10px 14px;
    font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800;
  }
  .bill-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; border-bottom: 1px solid #f1f5f9; font-size: 13px; }
  .bill-row:last-child { border-bottom: none; }
  .bill-label { color: var(--gray-text); font-weight: 600; }
  .bill-before { font-weight: 700; color: var(--charcoal); }
  .bill-after { font-weight: 700; color: var(--p9); }
  .bill-divider { height: 1px; background: var(--border); margin: 4px 0; }
  .bill-total-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; background: #f0f4fb; font-size: 14px; font-weight: 800; }

  /* SMB extras */
  .smb-extras {
    background: #fffbeb; border: 1px solid #fde68a;
    border-radius: 10px; padding: 14px;
  }
  .smb-extras-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em;
    color: #92400e; margin-bottom: 10px;
  }
  .smb-row { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px dashed #fde68a; font-size: 13px; }
  .smb-row:last-child { border-bottom: none; }
  .smb-row-label { color: #78350f; font-weight: 600; }
  .smb-row-val { font-weight: 800; color: #92400e; }

  /* Landlord extras */
  .landlord-extras {
    background: #f0fdf4; border: 1px solid #bbf7d0;
    border-radius: 10px; padding: 14px;
  }
  .landlord-extras-title {
    font-family: 'Montserrat', sans-serif;
    font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em;
    color: #14532d; margin-bottom: 10px;
  }
  .landlord-row { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px dashed #bbf7d0; font-size: 13px; }
  .landlord-row:last-child { border-bottom: none; }
  .landlord-row-label { color: #166534; font-weight: 600; }
  .landlord-row-val { font-weight: 800; color: #15803d; }

  /* Action buttons */
  .calc-actions { display: flex; gap: 8px; flex-wrap: wrap; }
  .btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 6px;
    padding: 11px 16px; border-radius: 8px;
    font-size: 13px; font-family: 'Montserrat', sans-serif; font-weight: 700;
    border: none; cursor: pointer; transition: all 180ms ease;
    text-decoration: none;
  }
  .btn-pdf { background: var(--p1); color: #fff; flex: 1; }
  .btn-pdf:hover { background: var(--p1d); box-shadow: 0 4px 12px rgba(0,40,104,.25); transform: translateY(-1px); }
  .btn-wa { background: var(--p9); color: #fff; flex: 1; }
  .btn-wa:hover { background: var(--p9h); box-shadow: 0 4px 12px rgba(0,135,90,.25); transform: translateY(-1px); }
  .btn-reset { background: #fff; color: var(--charcoal); border: 1.5px solid #d1d5db; }
  .btn-reset:hover { border-color: var(--p8); color: var(--p8); background: #fff7f7; }

  /* Empty state */
  .results-empty { text-align: center; padding: 32px 20px; color: #9ca3af; }
  .results-empty i { font-size: 40px; margin-bottom: 14px; color: #d1d5db; display: block; }
  .results-empty p { font-size: 13.5px; line-height: 1.6; }

 /* ════════════════════════════════════════════
   HOW-TO SECTION
   ════════════════════════════════════════════ */
.howto-section{
  max-width:1200px;margin:0 auto;padding:0 20px 48px;
}


/* ── Title Bar (matches calc-title-bar) ── */
.howto-titlebar{
  background:var(--p1);color:#fff;
  border-radius:12px 12px 0 0;
  padding:20px 24px;
  display:flex;align-items:center;gap:16px;flex-wrap:wrap;
}
.howto-titlebar-left{display:flex;align-items:center;gap:16px;z-index:1}
.howto-titlebar-icon{
  width:48px;height:48px;
  background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);
  border-radius:10px;display:flex;align-items:center;justify-content:center;
  font-size:22px;color:#fff;flex-shrink:0;
  box-shadow:0 4px 10px rgba(0,0,0,0.1);
}
.howto-titlebar h2 {
  font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 800;
  line-height: 1.2; margin: 0; letter-spacing: -0.5px;
  color: #ffffff !important; /* Forces the text to stay white */
}
}
.howto-badges{display:flex;gap:8px;flex-wrap:wrap;z-index:1;margin-left:auto}
.howto-badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);
  color:#fff;font-family:'Inter',sans-serif;font-size:11.5px;font-weight:600;
  letter-spacing:0.02em;padding:6px 12px;border-radius:6px;white-space:nowrap;
  backdrop-filter:blur(4px);
}
.howto-badge i{color:#4ade80;font-size:11px}


/* ── Body Shell ── */
.howto-shell{
  background:var(--white);border:1px solid var(--border);border-top:none;
  border-radius:0 0 12px 12px;overflow:hidden;
  box-shadow:var(--shadow-md);
}


/* ── Intro Banner ── */
.howto-intro{
  background:var(--bg-light);border-bottom:1px solid var(--border);
  padding:20px 24px;display:flex;align-items:flex-start;gap:14px;
}
.howto-intro-icon{
  width:40px;height:40px;border-radius:10px;flex-shrink:0;
  background:linear-gradient(135deg,var(--p1),var(--p1m));
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-size:16px;
}
.howto-intro-text h3{
  font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;
  color:var(--charcoal);margin-bottom:4px;
}
.howto-intro-text p{font-size:13px;color:var(--gray-text);line-height:1.6;max-width:72ch}


/* ── Steps Container ── */
.howto-body{padding:24px}


/* ── Step Card ── */
.step-row{
  display:grid;grid-template-columns:56px 1fr;
  gap:0;margin-bottom:0;position:relative;
}
.step-row:last-child .step-line{display:none}

/* Vertical timeline */
.step-timeline{display:flex;flex-direction:column;align-items:center;position:relative}
.step-num{
  width:40px;height:40px;border-radius:10px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;
  color:#fff;z-index:2;position:relative;
}
.step-num.navy{background:var(--p1)}
.step-num.green{background:var(--p9)}
.step-num.red{background:var(--p8)}
.step-num.amber{background:#D97706}
.step-num.purple{background:#5B3DC9}
.step-num.sky{background:#0369A1}
.step-line{
  width:3px;flex:1;
  background:linear-gradient(180deg,var(--border) 0%,var(--border) 100%);
  margin:6px 0 0;
  position:relative;
}
.step-line::before{
  content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);
  width:7px;height:7px;border-radius:50%;background:var(--border);
}

/* Step content */
.step-content{
  padding:0 0 28px 0;
}
.step-card{
  border:1.5px solid var(--border);border-radius:10px;
  overflow:hidden;background:var(--white);
  transition:border-color 180ms ease,box-shadow 200ms ease;
}
.step-card:hover{
  border-color:var(--p1);
  box-shadow:0 4px 16px rgba(0,40,104,.1);
}

/* Step Header */
.step-header{
  padding:14px 18px;border-bottom:1px solid var(--border);
  background:var(--bg-light);
  display:flex;align-items:center;gap:12px;
}
.step-header-icon{
  width:32px;height:32px;border-radius:8px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-size:13px;color:var(--white);
}
.step-header-icon.navy{background:var(--p1)}
.step-header-icon.green{background:var(--p9)}
.step-header-icon.red{background:var(--p8)}
.step-header-icon.amber{background:#D97706}
.step-header-icon.purple{background:#5B3DC9}
.step-header-icon.sky{background:#0369A1}
.step-header h4{
  font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;
  color:var(--charcoal);line-height:1.25;
}
.step-header h4 span{
  display:block;font-family:'Inter',sans-serif;font-size:11px;
  font-weight:500;color:var(--gray-text);margin-top:2px;
}
.step-header .step-time{
  margin-left:auto;display:inline-flex;align-items:center;gap:4px;
  font-size:11px;font-weight:700;color:var(--gray-text);
  background:var(--white);border:1px solid var(--border);
  padding:3px 8px;border-radius:6px;white-space:nowrap;
}
.step-header .step-time i{font-size:9px;color:var(--p1)}

/* Step Body */
.step-body{padding:16px 18px}
.step-body p{font-size:13px;color:var(--gray-text);line-height:1.65;margin-bottom:12px}
.step-body p:last-child{margin-bottom:0}
.step-body strong{color:var(--charcoal);font-weight:700}


/* ── Field Chips ── */
.field-chips{
  display:flex;flex-wrap:wrap;gap:8px;margin:12px 0;
}
.field-chip{
  display:inline-flex;align-items:center;gap:6px;
  padding:7px 12px;border-radius:8px;
  background:var(--bg-light);border:1px solid var(--border);
  font-size:12px;font-weight:600;color:var(--charcoal);
  transition:all 180ms ease;
}
.field-chip i{font-size:10px}
.field-chip i.navy{color:var(--p1)}
.field-chip i.green{color:var(--p9)}
.field-chip i.red{color:var(--p8)}
.field-chip i.amber{color:#D97706}


/* ── Upgrade Chips (6 categories) ── */
.upgrade-chips{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:8px;margin:12px 0;
}
.upgrade-chip{
  display:flex;align-items:center;gap:8px;
  padding:10px 12px;border-radius:8px;
  background:var(--bg-light);border:1.5px solid var(--border);
  font-size:12px;font-weight:600;color:var(--charcoal);
}
.uc-icon{
  width:28px;height:28px;border-radius:6px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-size:11px;color:var(--white);
}
.uc-icon.navy{background:var(--p1)}
.uc-icon.green{background:var(--p9)}
.uc-icon.amber{background:#D97706}
.uc-icon.sky{background:#0369A1}
.uc-icon.purple{background:#5B3DC9}
.uc-icon.red{background:var(--p8)}
.upgrade-chip .uc-credit{
  margin-left:auto;font-size:10px;font-weight:700;
  color:var(--p9);white-space:nowrap;
}
  /* ── RESPONSIVE ── */
  @media (max-width: 900px) {
    .calc-body { grid-template-columns: 1fr; }
    .calc-results-panel { border-top: 1px solid #e8eaf0; position: static; max-height: none; }
  }
  @media (max-width: 768px) {
    .calc-title-bar { padding: 20px; flex-direction: column; align-items: flex-start; gap: 16px; }
    .calc-title-left { gap: 12px; }
    .calc-title-icon { width: 40px; height: 40px; font-size: 18px; }
    .calc-title-bar h1 { font-size: 18px; }
    .mode-tab { font-size: 11px; padding: 8px 8px; }
    .mode-tab i { display: none; }
  }
  @media (max-width: 600px) {
    .calc-wrap { padding: 12px 12px 40px; margin: 16px auto; }
    .calc-inputs, .calc-results-panel { padding: 16px; }
    .form-grid { grid-template-columns: 1fr; gap: 10px; }
    .kpi-grid { grid-template-columns: 1fr; }
    .kpi.featured .kpi-val { font-size: 1.75rem; }
    .calc-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
    .btn-reset { grid-column: 1/-1; }
    .steps-grid { grid-template-columns: 1fr; }
    .related-grid { grid-template-columns: 1fr 1fr; }
  }

  /* Utility */
  .hidden { display: none !important; }
  .mt-10 { margin-top: 10px; }
  .mt-16 { margin-top: 16px; }
  .info-note {
    font-size: 12px; color: var(--gray-text);
    background: var(--bg-light); border: 1px solid var(--border);
    border-radius: 6px; padding: 8px 12px; margin-top: 10px;
    line-height: 1.5;
  }
  .info-note i { color: var(--p1); }

/* ── Mode Selector Cards ── */
.mode-cards{
  display:grid;grid-template-columns:repeat(3,1fr);
  gap:10px;margin:12px 0;
}
.mode-card{
  border:1.5px solid var(--border);border-radius:10px;
  padding:14px;background:var(--white);
  transition:all 180ms ease;
}
.mode-card:hover{border-color:var(--p1)}
.mode-card-head{
  display:flex;align-items:center;gap:8px;margin-bottom:8px;
}
.mc-icon{
  width:30px;height:30px;border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  font-size:12px;color:var(--white);flex-shrink:0;
}
.mc-icon.navy{background:var(--p1)}
.mc-icon.green{background:var(--p9)}
.mc-icon.amber{background:#D97706}
.mode-card-head h5{
  font-family:'Montserrat',sans-serif;font-size:12px;
  font-weight:800;color:var(--charcoal);
}
.mode-card p{font-size:11.5px;color:var(--gray-text);line-height:1.5;margin-bottom:8px}
.mode-card ul{list-style:none;padding:0;margin:0}
.mode-card li{
  display:flex;align-items:center;gap:6px;
  font-size:11px;color:var(--gray-text);padding:3px 0;
}
.mode-card li i{font-size:8px;color:var(--p9)}


/* ── Signal Boxes ── */
.step-signal{
  border-radius:8px;padding:12px 14px;margin-top:12px;
  font-size:12px;line-height:1.6;
  display:flex;align-items:flex-start;gap:10px;
}
.step-signal i{font-size:11px;margin-top:3px;flex-shrink:0}
.step-signal.info{background:#EFF6FF;border:1.5px solid #BFDBFE;color:#1E40AF}
.step-signal.good{background:#ECFDF5;border:1.5px solid #A7F3D0;color:#065F46}
.step-signal.warn{background:#FFF9F0;border:1.5px solid #F6E0B5;color:#9A6C11}
.step-signal.bad{background:#FEF2F2;border:1.5px solid #FECACA;color:#991B1B}


/* ── KPI Preview Grid ── */
.kpi-preview{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:8px;margin:12px 0;
}
.kpi-mini{
  background:var(--bg-light);border:1px solid var(--border);
  border-radius:8px;padding:10px;text-align:center;
}
.kpi-mini .km-label{
  font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;
  text-transform:uppercase;letter-spacing:.05em;
  color:var(--gray-text);margin-bottom:4px;
}
.kpi-mini .km-val{
  font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;
  color:var(--p1);
}
.kpi-mini .km-val.green{color:var(--p9)}
.kpi-mini .km-val.red{color:var(--p8)}
.kpi-mini .km-val.amber{color:#D97706}
.kpi-mini.featured{background:var(--p1);border-color:var(--p1)}
.kpi-mini.featured .km-label{color:rgba(255,255,255,.65)}
.kpi-mini.featured .km-val{color:#fff}


/* ── Action Buttons Preview ── */
.action-preview{
  display:flex;gap:8px;margin:12px 0;flex-wrap:wrap;
}
.ap-btn{
  display:inline-flex;align-items:center;gap:6px;
  padding:9px 14px;border-radius:8px;
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;
  border:none;cursor:default;
}
.ap-btn.navy{background:var(--p1);color:#fff}
.ap-btn.green{background:var(--p9);color:#fff}
.ap-btn.outline{background:#fff;color:var(--charcoal);border:1.5px solid #d1d5db}


/* ── Pro Tip Bottom ── */
.howto-protip{
  margin:0 24px 24px;padding:18px 20px;
  background:linear-gradient(135deg,#EFF6FF 0%,#F0FDF4 100%);
  border:1.5px solid #BFDBFE;border-radius:10px;
  display:flex;align-items:flex-start;gap:14px;
}
.protip-icon{
  width:36px;height:36px;border-radius:8px;flex-shrink:0;
  background:var(--p1);display:flex;align-items:center;justify-content:center;
  color:#fff;font-size:14px;
}
.protip-text h4{
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;
  color:var(--p1);margin-bottom:4px;
}
.protip-text p{font-size:12.5px;color:var(--gray-text);line-height:1.6}
.protip-text strong{color:var(--charcoal)}


/* ════════════════════════════════════════════
   RESPONSIVE
   ════════════════════════════════════════════ */
@media(max-width:900px){
  .upgrade-chips{grid-template-columns:repeat(2,1fr)}
  .kpi-preview{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .howto-section{padding:0 12px 32px}
  .howto-titlebar{padding:20px;flex-direction:column;align-items:flex-start;gap:16px}
  .howto-titlebar-left{gap:12px}
  .howto-titlebar-icon{width:40px;height:40px;font-size:18px}
  .howto-titlebar h2{font-size:18px}
  .howto-badges{margin-left:0}
  .howto-intro{flex-direction:column;gap:10px;padding:16px}
  .mode-cards{grid-template-columns:1fr}
  .upgrade-chips{grid-template-columns:1fr 1fr}
  .step-row{grid-template-columns:44px 1fr}
  .step-num{width:34px;height:34px;font-size:14px;border-radius:8px}
  .step-header{flex-wrap:wrap;gap:8px;padding:12px 14px}
  .step-header .step-time{margin-left:0}
  .step-body{padding:14px}
}
@media(max-width:600px){
  .howto-body{padding:16px}
  .upgrade-chips{grid-template-columns:1fr}
  .kpi-preview{grid-template-columns:1fr 1fr}
  .field-chips{gap:6px}
  .field-chip{font-size:11px;padding:6px 10px}
  .action-preview{flex-direction:column}
  .ap-btn{justify-content:center;width:100%}
  .howto-protip{margin:0 16px 16px;flex-direction:column;gap:10px}
  .step-content{padding:0 0 20px 0}
}
/* ════════════════════════════════════════════
   EDUCATIONAL SECTION
   ════════════════════════════════════════════ */
.edu-section{max-width:1200px;margin:0 auto;padding:0 20px 48px}


/* ── Title Bar ── */
.edu-titlebar{
  background:var(--p1);color:#fff;border-radius:12px 12px 0 0;
  padding:20px 24px;display:flex;align-items:center;gap:16px;flex-wrap:wrap;
}
.edu-titlebar-left{display:flex;align-items:center;gap:16px;z-index:1}
.edu-titlebar-icon{
  width:48px;height:48px;background:rgba(255,255,255,0.1);
  border:1px solid rgba(255,255,255,0.2);border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;color:#fff;flex-shrink:0;box-shadow:0 4px 10px rgba(0,0,0,0.1);
}
.edu-titlebar h2 {
  font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 800;
  line-height: 1.2; letter-spacing: -0.5px;
  color: #ffffff !important; /* Forces the text to stay white */
}
}
.edu-badges{display:flex;gap:8px;flex-wrap:wrap;z-index:1;margin-left:auto}
.edu-badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);
  color:#fff;font-family:'Inter',sans-serif;font-size:11.5px;font-weight:600;
  letter-spacing:0.02em;padding:6px 12px;border-radius:6px;white-space:nowrap;
  backdrop-filter:blur(4px);
}
.edu-badge i{color:#4ade80;font-size:11px}


/* ── Shell ── */
.edu-shell{
  background:var(--white);border:1px solid var(--border);border-top:none;
  border-radius:0 0 12px 12px;overflow:hidden;box-shadow:var(--shadow-md);
}


/* ── Intro Banner ── */
.edu-intro{
  background:var(--bg-light);border-bottom:1px solid var(--border);
  padding:20px 24px;display:flex;align-items:flex-start;gap:14px;
}
.edu-intro-icon{
  width:40px;height:40px;border-radius:10px;flex-shrink:0;
  background:linear-gradient(135deg,var(--p1),var(--p1m));
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;
}
.edu-intro-text h3{
  font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;
  color:var(--charcoal);margin-bottom:4px;
}
.edu-intro-text p{font-size:13px;color:var(--gray-text);line-height:1.6;max-width:72ch}


/* ── Body ── */
.edu-body{padding:24px}


/* ── Topic Navigation ── */
.topic-nav{
  display:flex;gap:6px;flex-wrap:wrap;
  background:var(--bg-light);border:1px solid var(--border);
  border-radius:10px;padding:6px;margin-bottom:24px;
}
.topic-btn{
  flex:1;min-width:120px;display:flex;align-items:center;justify-content:center;gap:6px;
  padding:9px 12px;border-radius:7px;font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:700;color:var(--gray-text);cursor:pointer;
  border:none;background:transparent;transition:all 180ms ease;white-space:nowrap;
}
.topic-btn:hover{color:var(--p1);background:rgba(0,40,104,0.05)}
.topic-btn.active{background:var(--p1);color:#fff;box-shadow:0 2px 8px rgba(0,40,104,.25)}
.topic-btn i{font-size:12px}


/* ── Topic Card ── */
.topic-card{
  display:none;border:1.5px solid var(--border);border-radius:12px;
  overflow:hidden;background:var(--white);margin-bottom:20px;
}
.topic-card.visible{display:block}
.topic-card:last-child{margin-bottom:0}


/* Card Header */
.tc-head{
  padding:18px 20px;border-bottom:1.5px solid var(--border);
  background:var(--bg-light);display:flex;align-items:center;gap:14px;
}
.tc-icon{
  width:44px;height:44px;border-radius:10px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;font-size:18px;color:var(--white);
}
.tc-icon.navy{background:var(--p1)}
.tc-icon.green{background:var(--p9)}
.tc-icon.red{background:var(--p8)}
.tc-icon.amber{background:#D97706}
.tc-icon.purple{background:#5B3DC9}
.tc-icon.sky{background:#0369A1}
.tc-head h3{
  font-family:'Montserrat',sans-serif;font-size:16px;font-weight:800;
  color:var(--charcoal);line-height:1.2;
}
.tc-head h3 span{
  display:block;font-family:'Inter',sans-serif;font-size:12px;
  font-weight:500;color:var(--gray-text);margin-top:3px;
}


/* Card Body */
.tc-body{padding:22px}
.tc-body p{font-size:13.5px;color:var(--gray-text);line-height:1.7;margin-bottom:14px}
.tc-body p:last-child{margin-bottom:0}
.tc-body strong{color:var(--charcoal);font-weight:700}
.tc-body a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.tc-body a:hover{color:var(--p8)}


/* ── Section Divider ── */
.tc-divider{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;
  letter-spacing:.06em;text-transform:uppercase;color:var(--p1);
  margin:20px 0 12px;padding-bottom:8px;border-bottom:2px solid var(--bg-light);
  display:flex;align-items:center;gap:8px;
}
.tc-divider i{color:var(--p9);font-size:12px}


/* ── Data Table ── */
.tc-table{
  width:100%;border-collapse:collapse;font-size:12.5px;margin:14px 0;
}
.tc-table thead th{
  background:var(--bg-light);border:1px solid var(--border);
  padding:10px 12px;text-align:left;
  font-family:'Montserrat',sans-serif;font-weight:700;
  color:var(--p1);text-transform:uppercase;letter-spacing:.04em;font-size:10px;
}
.tc-table tbody td{
  border:1px solid var(--border);padding:10px 12px;
  color:var(--gray-text);vertical-align:top;
}
.tc-table tbody tr:hover{background:var(--bg-light)}
.tc-table .val{font-weight:700;color:var(--charcoal);font-variant-numeric:tabular-nums}
.tc-table .green{color:var(--p9);font-weight:700}
.tc-table .red{color:var(--p8);font-weight:700}
.tc-table .amber{color:#D97706;font-weight:700}
.tc-table .navy{color:var(--p1);font-weight:700}
.tc-table code{
  background:var(--bg-light);border:1px solid var(--border);
  padding:1px 5px;border-radius:4px;font-family:'Courier New',monospace;
  font-size:11px;font-weight:700;color:var(--p1d);
}


/* ── Signal Boxes ── */
.tc-signal{
  border-radius:8px;padding:12px 14px;margin:14px 0;
  font-size:12.5px;line-height:1.6;display:flex;align-items:flex-start;gap:10px;
}
.tc-signal:last-child{margin-bottom:0}
.tc-signal i{font-size:11px;margin-top:3px;flex-shrink:0}
.tc-signal.info{background:#EFF6FF;border:1.5px solid #BFDBFE;color:#1E40AF}
.tc-signal.good{background:#ECFDF5;border:1.5px solid #A7F3D0;color:#065F46}
.tc-signal.warn{background:#FFF9F0;border:1.5px solid #F6E0B5;color:#9A6C11}
.tc-signal.bad{background:#FEF2F2;border:1.5px solid #FECACA;color:#991B1B}


/* ── Comparison Grid ── */
.compare-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0;
}
.compare-card{
  border:1.5px solid var(--border);border-radius:10px;padding:16px;
  background:var(--white);text-align:center;
}
.compare-card.highlight{border-color:var(--p9);background:#f0fdf4}
.cc-val{
  font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;
  margin-bottom:4px;
}
.cc-val.navy{color:var(--p1)}
.cc-val.green{color:var(--p9)}
.cc-val.red{color:var(--p8)}
.cc-val.amber{color:#D97706}
.cc-label{font-size:11px;font-weight:700;color:var(--gray-text);text-transform:uppercase;letter-spacing:.04em;margin-bottom:6px}
.cc-desc{font-size:11.5px;color:var(--gray-text);line-height:1.5}


/* ── Formula Box ── */
.formula-box{
  background:var(--bg-light);border:1.5px solid var(--border);
  border-radius:10px;padding:16px;margin:14px 0;text-align:center;
}
.formula-box .formula{
  font-family:'Courier New',monospace;font-size:14px;font-weight:700;
  color:var(--p1d);margin-bottom:6px;
}
.formula-box .formula-desc{font-size:12px;color:var(--gray-text)}


/* ── Visual Scale Bar ── */
.scale-bar{
  display:flex;align-items:stretch;border-radius:8px;overflow:hidden;
  height:36px;margin:14px 0;border:1px solid var(--border);
}
.scale-seg{
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  color:#fff;letter-spacing:.03em;white-space:nowrap;padding:0 8px;
}


/* ── Stat Row ── */
.stat-row{
  display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:14px 0;
}
.stat-item{
  background:var(--bg-light);border:1px solid var(--border);
  border-radius:8px;padding:12px;text-align:center;
}
.stat-item .si-val{
  font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;
  color:var(--p1);margin-bottom:2px;
}
.stat-item .si-val.green{color:var(--p9)}
.stat-item .si-val.amber{color:#D97706}
.stat-item .si-label{
  font-size:10.5px;font-weight:600;color:var(--gray-text);
  text-transform:uppercase;letter-spacing:.03em;
}


/* ── IRA Credit Cards ── */
.ira-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:14px 0;
}
.ira-card{
  border:1.5px solid var(--border);border-radius:10px;
  overflow:hidden;background:var(--white);
}
.ira-card-head{
  padding:12px 14px;border-bottom:1px solid var(--border);
  background:var(--bg-light);display:flex;align-items:center;gap:10px;
}
.ira-card-icon{
  width:32px;height:32px;border-radius:8px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-size:13px;color:var(--white);
}
.ira-card-icon.navy{background:var(--p1)}
.ira-card-icon.green{background:var(--p9)}
.ira-card-icon.amber{background:#D97706}
.ira-card-icon.sky{background:#0369A1}
.ira-card-icon.purple{background:#5B3DC9}
.ira-card-icon.red{background:var(--p8)}
.ira-card-head h5{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal)}
.ira-card-head .ira-amt{
  margin-left:auto;font-family:'Montserrat',sans-serif;
  font-size:13px;font-weight:900;color:var(--p9);white-space:nowrap;
}
.ira-card-body{padding:12px 14px}
.ira-card-body p{font-size:12px;color:var(--gray-text);line-height:1.55;margin:0}
.ira-card-body ul{list-style:none;padding:0;margin:6px 0 0}
.ira-card-body li{
  display:flex;align-items:center;gap:6px;
  font-size:11.5px;color:var(--gray-text);padding:3px 0;
}
.ira-card-body li i{font-size:8px;color:var(--p9)}


/* ── R-Value Zones ── */
.rvalue-grid{
  display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin:14px 0;
}
.rv-card{
  border:1.5px solid var(--border);border-radius:8px;padding:12px;
  text-align:center;background:var(--white);
}
.rv-zone{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  text-transform:uppercase;letter-spacing:.04em;color:var(--gray-text);margin-bottom:6px}
.rv-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;margin-bottom:4px}
.rv-label{font-size:10.5px;color:var(--gray-text);line-height:1.4}


/* ════════════════════════════════════════════
   RESPONSIVE
   ════════════════════════════════════════════ */
@media(max-width:900px){
  .compare-grid{grid-template-columns:repeat(2,1fr)}
  .stat-row{grid-template-columns:repeat(2,1fr)}
  .ira-grid{grid-template-columns:1fr}
  .rvalue-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:768px){
  .edu-section{padding:0 12px 32px}
  .edu-titlebar{padding:20px;flex-direction:column;align-items:flex-start;gap:16px}
  .edu-titlebar-left{gap:12px}
  .edu-titlebar-icon{width:40px;height:40px;font-size:18px}
  .edu-titlebar h2{font-size:18px}
  .edu-badges{margin-left:0}
  .edu-intro{flex-direction:column;gap:10px;padding:16px}
  .topic-nav{flex-wrap:wrap}
  .topic-btn{min-width:auto;font-size:11px;padding:8px 10px}
  .topic-btn i{display:none}
  .tc-head{flex-wrap:wrap;gap:10px;padding:14px 16px}
  .tc-body{padding:16px}
  .compare-grid{grid-template-columns:1fr}
  .rvalue-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .edu-body{padding:16px}
  .stat-row{grid-template-columns:1fr 1fr}
  .tc-table{font-size:11.5px}
  .tc-table th,.tc-table td{padding:8px}
  .scale-bar{height:28px}
  .scale-seg{font-size:8px;padding:0 4px}
  .rvalue-grid{grid-template-columns:1fr 1fr}
}
/* ════════════════════════════════════════════
   PRO TIPS SECTION
   ════════════════════════════════════════════ */
.tips-section{max-width:1280px;margin:0 auto}


/* ── Title Bar ── */
.tips-titlebar{
  background:linear-gradient(135deg,var(--p2) 0%,var(--p1) 58%,#003d8c 100%);
  color:#fff;border-radius:22px 22px 0 0;padding:24px 28px;
  display:flex;align-items:center;gap:16px;flex-wrap:wrap;
  position:relative;overflow:hidden;
}
.tips-titlebar::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(circle at 82% 20%,rgba(191,10,48,.18),transparent 35%),
             radial-gradient(circle at 12% 80%,rgba(0,135,90,.12),transparent 30%);
}
.tips-tb-left{display:flex;align-items:center;gap:16px;z-index:1}
.tips-tb-icon{
  width:52px;height:52px;background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.2);border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:24px;color:#fff;flex-shrink:0;
}
.tips-titlebar h2{font-size:clamp(18px,3vw,24px);font-weight:800;line-height:1.2;letter-spacing:-.5px;color:#fff}
.tips-titlebar h2 span{color:#ff7994}
.tips-badges{display:flex;gap:8px;flex-wrap:wrap;z-index:1;margin-left:auto}
.tips-badge{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);
  color:#fff;font-family:'Inter',sans-serif;font-size:11.5px;font-weight:600;
  letter-spacing:.02em;padding:6px 14px;border-radius:999px;white-space:nowrap;
  backdrop-filter:blur(4px);
}
.tips-badge .dot{width:8px;height:8px;border-radius:50%;display:inline-block}
.tips-badge .dot.green{background:var(--p9)}
.tips-badge .dot.gold{background:#F59E0B}


/* ── Shell ── */
.tips-shell{
  background:var(--p7);border:1px solid var(--p5);border-top:none;
  border-radius:0 0 22px 22px;overflow:hidden;box-shadow:var(--shadow-md);
}


/* ── Intro ── */
.tips-intro{
  background:var(--p6);border-bottom:1px solid var(--p5);
  padding:20px 28px;display:flex;align-items:flex-start;gap:14px;
}
.tips-intro-icon{
  width:42px;height:42px;border-radius:10px;flex-shrink:0;
  background:linear-gradient(135deg,var(--p1),#003d8c);
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;
}
.tips-intro-text h3{font-size:14px;font-weight:800;color:var(--p3);margin-bottom:4px}
.tips-intro-text p{font-size:13px;color:var(--p4);line-height:1.65;max-width:80ch}
.tips-intro-text strong{color:var(--p3)}


/* ── Body ── */
.tips-body{padding:24px 28px}
  /* ── FAQ ── */
  .faq-section {
    padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 4vw, 2rem);
    max-width: 1100px; margin-inline: auto;
  }
  .faq-section h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; color: var(--p1);
    margin-bottom: 1.5rem; line-height: 1.2;
  }
  .faq-item {
    border: 1px solid var(--border); border-radius: 10px;
    margin-bottom: 10px; overflow: hidden;
  }
  .faq-q {
    display: flex; align-items: center; justify-content: space-between;
    padding: 16px 20px; cursor: pointer; user-select: none;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px; font-weight: 700; color: var(--charcoal);
    background: #fff;
    transition: background 150ms ease;
  }
  .faq-q:hover { background: var(--bg-light); }
  .faq-q .faq-chevron { color: var(--gray-text); transition: transform 200ms ease; flex-shrink: 0; }
  .faq-q.open .faq-chevron { transform: rotate(180deg); color: var(--p1); }
  .faq-q.open { color: var(--p1); }
  .faq-a {
    padding: 0 20px; max-height: 0; overflow: hidden;
    transition: max-height 300ms ease, padding 300ms ease;
    font-size: 14px; color: var(--gray-text); line-height: 1.7; background: #fff;
  }
  .faq-a.open { max-height: 400px; padding: 0 20px 16px; }

  /* ── DATA SOURCES ── */
  .sources-section {
    background: var(--bg-light);
    border-top: 1px solid var(--border);
    padding: 2rem clamp(1rem, 4vw, 2rem);
  }
  .sources-inner { max-width: 1100px; margin-inline: auto; }
  .sources-section h3 {
    font-family: 'Montserrat', sans-serif;
    font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: .06em;
    color: var(--gray-text); margin-bottom: 12px;
  }
  .sources-grid { display: flex; gap: 10px; flex-wrap: wrap; }
  .source-chip {
    display: inline-flex; align-items: center; gap: 6px;
    background: #fff; border: 1px solid var(--border);
    border-radius: 9999px; padding: 5px 12px;
    font-size: 12px; font-weight: 600; color: var(--charcoal);
  }
  .source-chip i { color: var(--p1); font-size: 11px; }

  /* ── RELATED CALCULATORS ── */
  .related-section {
    padding: clamp(2.5rem, 5vw, 4rem) clamp(1rem, 4vw, 2rem);
    max-width: 1100px; margin-inline: auto;
  }
  .related-section h2 {
    font-family: 'Montserrat', sans-serif;
    font-size: clamp(1.3rem, 2.5vw, 1.75rem); font-weight: 800; color: var(--p1);
    margin-bottom: 1.25rem;
  }
  .related-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 14px; }
  .related-card {
    background: #fff; border: 1.5px solid var(--border);
    border-radius: 10px; padding: 18px;
    text-decoration: none; color: var(--charcoal);
    transition: all 180ms ease;
    display: flex; flex-direction: column; gap: 8px;
  }
  .related-card:hover { border-color: var(--p1); box-shadow: 0 4px 14px rgba(0,40,104,.1); transform: translateY(-2px); }
  .related-card-icon { font-size: 24px; color: var(--p1); }
  .related-card h4 { font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700; color: var(--charcoal); line-height: 1.3; }
  .related-card p { font-size: 12px; color: var(--gray-text); line-height: 1.5; }
  .related-card .arrow { margin-top: auto; font-size: 12px; color: var(--p1); font-weight: 700; font-family: 'Montserrat', sans-serif; }

 
/* ==========================================================
   CENTERED HEADER OVERRIDES
   Forces all 3 main title bars into a perfectly centered stack
   ========================================================== */

/* 1. Main Calculator Title Bar */
.calc-title-bar {
    flex-direction: column !important;
    justify-content: center !important;
    text-align: center !important;
    padding: 32px 20px !important;
}
.calc-title-left {
    flex-direction: column !important;
    gap: 12px !important;
    margin-bottom: 16px !important;
    width: 100% !important;
}
.calc-title-bar .badges {
    justify-content: center !important;
    margin-left: 0 !important;
    width: 100% !important;
}

/* 2. How-To Guide Title Bar */
.howto-titlebar {
    flex-direction: column !important;
    justify-content: center !important;
    text-align: center !important;
    padding: 32px 20px !important;
}
.howto-titlebar-left {
    flex-direction: column !important;
    gap: 12px !important;
    margin-bottom: 16px !important;
    width: 100% !important;
}
.howto-badges {
    justify-content: center !important;
    margin-left: 0 !important;
    width: 100% !important;
}

/* 3. Educational Section Title Bar */
.edu-titlebar {
    flex-direction: column !important;
    justify-content: center !important;
    text-align: center !important;
    padding: 32px 20px !important;
}
.edu-titlebar-left {
    flex-direction: column !important;
    gap: 12px !important;
    margin-bottom: 16px !important;
    width: 100% !important;
}
.edu-badges {
    justify-content: center !important;
    margin-left: 0 !important;
    width: 100% !important;
}

  /* Responsive CSS for the Case Studies */
  .ex-card {
    display: grid;
    grid-template-columns: 1fr 300px;
    border: 1px solid var(--border);
    border-radius: 16px;
    overflow: hidden;
    background: var(--bg-light);
  }
  .ex-card-left {
    padding: 24px;
    background: #fff;
  }
  .ex-card-right {
    padding: 24px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    border-left: 1px solid var(--border);
    background: #f8fafc;
    text-align: center;
  }

  /* Mobile Stacking Rule */
  @media (max-width: 768px) {
    .ex-card {
      grid-template-columns: 1fr; /* Stacks everything into 1 column */
    }
    .ex-card-right {
      border-left: none; /* Removes the side border */
      border-top: 1px solid var(--border); /* Adds a top border to separate sections */
    }
  }