:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-hover:#9B0826;--green:#00875A;--green-dark:#006644;--white:#fff;--charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--good-bg:#ECFDF5;--good-br:#A7F3D0;--good-tx:#065F46;--warn-bg:#FFF9F0;--warn-br:#F6E0B5;--warn-tx:#9A6C11;--bad-bg:#FEF2F2;--bad-br:#FECACA;--bad-tx:#991B1B;--shadow-sm:0 1px 4px rgba(0,40,104,.08);--shadow-md:0 4px 20px rgba(0,40,104,.12);--shadow-lg:0 8px 40px rgba(0,40,104,.16)}
    *{box-sizing:border-box;margin:0;padding:0} html,body{overflow-x:hidden;max-width:100vw;scroll-behavior:smooth}
    body{font-family:Inter,sans-serif;background:var(--bg);color:var(--charcoal);line-height:1.6;-webkit-font-smoothing:antialiased}
    .calc-wrap{max-width:1280px;margin:34px auto;padding:0 18px 40px}.calc-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .calc-head{padding:30px 28px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 62%,#003d8c 100%);position:relative;overflow:hidden;border-bottom:4px solid var(--red)}
    .calc-head:before{content:"";position:absolute;top:-70px;right:-50px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle, rgba(191,10,48,.18) 0, rgba(191,10,48,0) 72%)}
    .calc-head:after{content:"";position:absolute;left:-80px;bottom:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle, rgba(0,135,90,.12) 0, rgba(0,135,90,0) 72%)}
    .calc-head-inner{position:relative;z-index:1;display:flex;justify-content:space-between;align-items:flex-start;gap:18px;flex-wrap:wrap}.calc-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#fff;padding:6px 12px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}.calc-kicker i{width:8px;height:8px;border-radius:50%;background:var(--green)}
    .calc-head h1{font:800 clamp(28px,4.2vw,40px)/1.12 Montserrat,sans-serif;letter-spacing:-.5px;color:#fff;margin-bottom:12px;max-width:780px}.calc-head p{font-size:15px;color:rgba(255,255,255,.78);max-width:760px}
    .calc-badges{display:flex;gap:8px;flex-wrap:wrap}.calc-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);color:#fff;padding:7px 12px;border-radius:999px;font-size:11.5px;font-weight:700}
    .calc-body{display:grid;grid-template-columns:minmax(420px,560px) 1fr;min-width:0}.panel{padding:26px;min-width:0}.panel.inputs{border-right:1px solid var(--border)}.panel.results{background:var(--bg)}
    .sec-title{margin-bottom:22px}.sec-title h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}.help{font-size:12px;font-weight:600;color:var(--gray);background:#eef2f7;padding:6px 10px;border-radius:8px}
    .mode-tabs{display:flex;gap:6px;flex-wrap:wrap;background:var(--bg);border:1px solid var(--border);padding:4px;border-radius:10px;margin-bottom:24px}.mode-btn{flex:1;min-width:108px;border:none;background:transparent;border-radius:8px;padding:11px 10px;font:700 12px Montserrat,sans-serif;color:var(--gray);cursor:pointer;transition:.2s}.mode-btn.active,.mode-btn:hover{background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}
    .field{margin-bottom:18px} label{display:block;font:700 12.5px Montserrat,sans-serif;color:var(--charcoal);margin-bottom:8px}.row2,.row3{display:grid;gap:12px}.row2{grid-template-columns:1fr 1fr}.row3{grid-template-columns:repeat(3,1fr)}
    .input-wrap{position:relative;display:flex;align-items:center}.prefix,.suffix{position:absolute;z-index:2;font-size:13px;font-weight:700;color:var(--gray);pointer-events:none}.prefix{left:14px}.suffix{right:14px}.has-prefix input{padding-left:30px}.has-suffix input{padding-right:32px}
    input,select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;font:500 14px Inter,sans-serif;background:var(--bg);color:var(--charcoal);outline:none;transition:.2s;-webkit-appearance:none}
    input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1);background:#fff}
    select{cursor:pointer;background:var(--bg) 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/svg%3E") no-repeat right 10px center/14px;padding-right:34px}
    .note{font-size:12px;color:var(--gray);line-height:1.45;margin-top:6px}.box{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;margin:20px 0;box-shadow:var(--shadow-sm)}.box h3{font:700 15px Montserrat,sans-serif;color:var(--navy);margin-bottom:12px;padding-bottom:10px;border-bottom:1px solid var(--border)}
    .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;padding-top:20px;border-top:1px solid var(--border)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;border-radius:10px;padding:12px 16px;font:700 13px Montserrat,sans-serif;cursor:pointer;transition:.2s}.btn-primary{background:var(--red);color:#fff;flex:1;min-width:190px}.btn-primary:hover{background:var(--red-hover);transform:translateY(-1px)}.btn-secondary{background:var(--navy);color:#fff}.btn-secondary:hover{background:var(--navy-mid);transform:translateY(-1px)}.btn-wa{background:var(--green);color:#fff}.btn-wa:hover{background:var(--green-dark)}.btn-ghost{background:#fff;color:var(--navy);border:1.5px solid var(--border)}.btn-ghost:hover{border-color:var(--navy)}.hidden{display:none!important}
    .results-top{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px}.kpi{background:#fff;border:1.5px solid var(--border);border-radius:14px;padding:16px;box-shadow:var(--shadow-sm)}.kpi.featured{background:var(--navy);border-color:var(--navy)}.k-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.06em}.featured .k-label,.featured .k-sub{color:rgba(255,255,255,.72)}.k-value{display:block;margin-top:6px;font:800 clamp(21px,3.7vw,28px)/1.16 Montserrat,sans-serif;color:var(--navy-dark)}.featured .k-value{color:#fff}.k-sub{display:block;margin-top:6px;font-size:11.5px;color:#97A0A9}
    .alert{border-radius:12px;padding:16px 18px;margin-bottom:20px;font-size:14px;font-weight:500;line-height:1.6;display:flex;gap:12px;align-items:flex-start}.alert.good{background:var(--good-bg);border:1px solid var(--good-br);color:var(--good-tx)}.alert.warn{background:var(--warn-bg);border:1px solid var(--warn-br);color:var(--warn-tx)}.alert.bad{background:var(--bad-bg);border:1px solid var(--bad-br);color:var(--bad-tx)}
    .card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;margin-bottom:16px;box-shadow:var(--shadow-sm)}.card h3{font:700 16px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:14px}
    .bars{display:flex;flex-direction:column;gap:10px}.bar-row{display:grid;grid-template-columns:132px 1fr 88px;align-items:center;gap:12px}.bar-label{font-size:12px;font-weight:700;color:var(--charcoal)}.bar-track{height:12px;background:var(--border);border-radius:999px;overflow:hidden}.bar-fill{height:100%;border-radius:999px;transition:width .35s ease}.fill-base{background:var(--navy)}.fill-overtime{background:var(--red)}.fill-net{background:var(--green)}.bar-text{text-align:right;font-size:12px;font-weight:700;color:var(--charcoal);font-variant-numeric:tabular-nums}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:12px} table{width:100%;border-collapse:collapse;min-width:760px;background:#fff} th,td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:13.5px} th{font:700 11px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--gray);background:var(--bg)} tr:last-child td{border-bottom:none}
    .scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.scenario-item{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:14px 15px}.si-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.05em}.si-value{font:800 23px Montserrat,sans-serif;color:var(--navy-dark);margin-top:5px}.scenario-item.good .si-value{color:var(--green)}.scenario-item.bad .si-value{color:var(--red)}
    canvas{max-height:300px}.ad-slot{margin-top:18px;background:#fff;border:1px dashed var(--border);border-radius:14px;padding:14px;text-align:center;color:var(--gray);font-size:13px}
    @media (max-width:1080px){.calc-body{grid-template-columns:1fr}.panel.inputs{border-right:none;border-bottom:1px solid var(--border)}}
    @media (max-width:768px){.calc-wrap{padding:0 12px 28px;margin-top:18px}.calc-head{padding:22px 16px}.panel{padding:18px 14px}.row2,.row3,.results-top,.scenario-grid{grid-template-columns:1fr}.actions{flex-direction:column}.btn{width:100%}.mode-tabs{flex-direction:column}.bar-row{grid-template-columns:88px 1fr 72px}}
    /* ─── HOW-TO SECTION ────────────────────────────────────── */
.how-section{
  background:#f7f8fa;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;
  color:#1a1f2e;
}
.how-container{max-width:1100px;margin-inline:auto}

/* Header */
.how-header{margin-bottom:2.5rem}
.how-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#e8f4f5;color:#00875A;
  font:700 0.72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #c3e6cb;margin-bottom:.85rem;
}
.how-eyebrow i{font-size:10px}
.how-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.how-intro{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Steps Grid */
.steps-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(240px,1fr));
  gap:1.5rem;
}
.step-card{
  background:#fff;
  border:1px solid #e2e8f0;
  border-radius:12px;
  padding:1.5rem;
  box-shadow:0 1px 4px rgba(0,0,0,0.06);
  transition:box-shadow 200ms ease,transform 200ms ease;
  position:relative;
}
.step-card:hover{
  box-shadow:0 4px 16px rgba(0,40,104,.1);
  transform:translateY(-2px);
}

/* Step Number Circle */
.step-number{
  display:inline-flex;align-items:center;justify-content:center;
  width:32px;height:32px;
  background:#002868;color:#fff;
  border-radius:999px;
  font:800 14px/1 Montserrat,sans-serif;
  margin-bottom:.75rem;
}

/* Step Content */
.step-card h3{
  font:700 .95rem/1.25 Montserrat,sans-serif;
  color:#002868;margin-bottom:.4rem;
}
.step-card p{
  font-size:.87rem;color:#4a5568;line-height:1.6;
}

/* Step Icon Badge (floating top-right) */
.step-icon{
  position:absolute;top:14px;right:14px;
  width:28px;height:28px;
  display:flex;align-items:center;justify-content:center;
  background:#F7F9FC;border:1px solid #e2e8f0;
  border-radius:8px;color:#002868;font-size:13px;
}

/* Mode Badge inside step text */
.step-mode-badge{
  display:inline-flex;align-items:center;gap:4px;
  background:#eef2f7;border:1px solid #e2e8f0;
  color:#002868;font:700 10.5px/1 Montserrat,sans-serif;
  letter-spacing:.04em;text-transform:uppercase;
  padding:3px 8px;border-radius:999px;
  white-space:nowrap;margin-top:6px;
}
.step-mode-badge i{font-size:9px;color:#00875A}

/* Tip Callout below steps */
.how-tip{
  margin-top:2rem;
  background:#fff;
  border:1px solid #e2e8f0;
  border-left:4px solid #00875A;
  border-radius:0 12px 12px 0;
  padding:18px 22px;
  display:flex;align-items:flex-start;gap:14px;
  box-shadow:0 1px 4px rgba(0,0,0,0.04);
}
.how-tip-icon{
  width:36px;height:36px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:#ecfdf5;border:1px solid #a7f3d0;
  border-radius:10px;color:#065f46;font-size:16px;
}
.how-tip-content h4{
  font:700 13px/1.3 Montserrat,sans-serif;
  color:#065f46;margin-bottom:4px;
}
.how-tip-content p{
  font-size:.85rem;color:#4a5568;line-height:1.6;
}

/* Quick-Ref Modes Bar */
.how-modes{
  margin-top:2rem;
  display:flex;gap:10px;flex-wrap:wrap;
}
.how-mode-chip{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1.5px solid #e2e8f0;
  border-radius:10px;padding:12px 16px;
  flex:1;min-width:180px;
  transition:border-color 200ms ease,box-shadow 200ms ease;
}
.how-mode-chip:hover{
  border-color:#002868;
  box-shadow:0 2px 10px rgba(0,40,104,.08);
}
.how-mode-chip .chip-icon{
  width:32px;height:32px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,#002868,#003580);
  border-radius:8px;color:#fff;font-size:14px;
}
.how-mode-chip .chip-label{
  font:700 12.5px/1.25 Montserrat,sans-serif;
  color:#1D1D1F;
}
.how-mode-chip .chip-desc{
  font-size:11.5px;color:#5F6368;line-height:1.4;margin-top:2px;
}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .how-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .steps-grid{grid-template-columns:1fr;gap:1rem}
  .step-card{padding:1.25rem}
  .how-modes{flex-direction:column}
  .how-mode-chip{min-width:unset}
  .how-tip{flex-direction:column;gap:10px;padding:14px 16px}
}
@media(max-width:600px){
  .how-section h2{font-size:1.35rem}
  .how-intro{font-size:.92rem}
  .step-card h3{font-size:.88rem}
  .step-card p{font-size:.82rem}
  .how-modes{gap:8px}
}
/* ─── EDUCATIONAL CONTENT SECTION ───────────────────────── */
.edu-section{
  background:#fff;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.edu-container{max-width:1100px;margin-inline:auto}

/* Section Header */
.edu-header{margin-bottom:2.5rem}
.edu-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#eef2f7;color:#002868;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #d4dae3;margin-bottom:.85rem;
}
.edu-eyebrow i{font-size:10px;color:#BF0A30}
.edu-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.edu-intro{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Topic Navigation Pills */
.edu-nav{
  display:flex;gap:8px;flex-wrap:wrap;
  margin-bottom:2.5rem;padding-bottom:1.5rem;
  border-bottom:1px solid #e2e8f0;
}
.edu-nav-pill{
  display:inline-flex;align-items:center;gap:6px;
  padding:9px 16px;border-radius:999px;
  border:1.5px solid #e2e8f0;background:#fff;
  font:700 12px/1 Montserrat,sans-serif;
  color:#5F6368;cursor:pointer;
  transition:all .2s ease;text-decoration:none;
}
.edu-nav-pill:hover,.edu-nav-pill.active{
  border-color:#002868;color:#002868;
  background:rgba(0,40,104,.04);
  box-shadow:0 2px 8px rgba(0,40,104,.08);
}
.edu-nav-pill i{font-size:11px}

/* Topic Block */
.edu-topic{margin-bottom:3rem}
.edu-topic:last-child{margin-bottom:0}
.edu-topic-header{
  display:flex;align-items:center;gap:14px;
  margin-bottom:1.5rem;padding-bottom:1rem;
  border-bottom:2px solid #F7F9FC;
}
.edu-topic-icon{
  width:44px;height:44px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  border-radius:12px;font-size:18px;color:#fff;
}
.edu-topic-icon.navy{background:linear-gradient(135deg,#002868,#003580)}
.edu-topic-icon.red{background:linear-gradient(135deg,#BF0A30,#9B0826)}
.edu-topic-icon.green{background:linear-gradient(135deg,#00875A,#006644)}
.edu-topic-title{
  font:800 clamp(1.15rem,2.5vw,1.4rem)/1.25 Montserrat,sans-serif;
  color:#00183F;
}
.edu-topic-sub{font-size:.85rem;color:#5F6368;margin-top:2px}

/* Content Prose */
.edu-prose{max-width:72ch;margin-bottom:1.25rem}
.edu-prose p{font-size:.93rem;color:#4a5568;line-height:1.75;margin-bottom:1rem}
.edu-prose p:last-child{margin-bottom:0}
.edu-prose strong{color:#1D1D1F;font-weight:700}
.edu-prose a{color:#002868;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.edu-prose a:hover{color:#BF0A30}

/* Comparison Table */
.edu-table-wrap{
  overflow-x:auto;border:1px solid #E0E4E8;
  border-radius:12px;margin-bottom:1.5rem;
  box-shadow:0 1px 4px rgba(0,0,0,.06);
}
.edu-table{
  width:100%;border-collapse:collapse;
  min-width:640px;background:#fff;font-size:13.5px;
}
.edu-table thead th{
  background:#002868;color:#fff;
  padding:12px 16px;text-align:left;
  font:700 11px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  white-space:nowrap;
}
.edu-table thead th:first-child{border-radius:11px 0 0 0}
.edu-table thead th:last-child{border-radius:0 11px 0 0}
.edu-table tbody td{
  padding:11px 16px;border-bottom:1px solid #f1f5f9;
  color:#4a5568;vertical-align:top;line-height:1.5;
}
.edu-table tbody tr:last-child td{border-bottom:none}
.edu-table tbody tr:hover{background:#f7f9fc}
.edu-table .td-label{
  font-weight:700;color:#1D1D1F;white-space:nowrap;
  font-family:Montserrat,sans-serif;font-size:12.5px;
}
.edu-table .td-good{color:#065F46;font-weight:600}
.edu-table .td-warn{color:#9A6C11;font-weight:600}
.edu-table .td-bad{color:#991B1B;font-weight:600}

/* Key Stat Cards */
.edu-stats{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
  gap:14px;margin-bottom:1.5rem;
}
.edu-stat{
  background:#F7F9FC;border:1px solid #E0E4E8;
  border-radius:12px;padding:16px 18px;
  transition:transform .2s,box-shadow .2s;
}
.edu-stat:hover{
  transform:translateY(-2px);
  box-shadow:0 4px 16px rgba(0,40,104,.08);
}
.edu-stat-label{
  font:700 10px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.07em;
  color:#5F6368;margin-bottom:6px;
}
.edu-stat-value{
  font:800 clamp(20px,3.5vw,26px)/1.15 Montserrat,sans-serif;
  color:#002868;
}
.edu-stat-value.red{color:#BF0A30}
.edu-stat-value.green{color:#00875A}
.edu-stat-sub{font-size:11.5px;color:#5F6368;margin-top:4px}

/* Alert / Callout inside edu */
.edu-alert{
  border-radius:12px;padding:16px 20px;
  margin-bottom:1.5rem;font-size:13.5px;
  font-weight:500;line-height:1.65;
  display:flex;gap:12px;align-items:flex-start;
}
.edu-alert.warn{background:#FFF9F0;border:1px solid #F6E0B5;color:#9A6C11}
.edu-alert.info{background:#eef6ff;border:1px solid #bfdbfe;color:#1e40af}
.edu-alert.danger{background:#FEF2F2;border:1px solid #FECACA;color:#991B1B}
.edu-alert.good{background:#ECFDF5;border:1px solid #A7F3D0;color:#065F46}
.edu-alert i{font-size:16px;flex-shrink:0;margin-top:2px}
.edu-alert strong{font-weight:700}

/* Checklist */
.edu-checklist{
  list-style:none;padding:0;margin-bottom:1.5rem;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:8px;
}
.edu-checklist li{
  display:flex;align-items:flex-start;gap:10px;
  font-size:.87rem;color:#4a5568;line-height:1.55;
  padding:10px 14px;
  background:#F7F9FC;border:1px solid #e2e8f0;
  border-radius:8px;
}
.edu-checklist li i{
  flex-shrink:0;margin-top:2px;font-size:12px;
}
.edu-checklist li i.check{color:#00875A}
.edu-checklist li i.cross{color:#BF0A30}

/* Gov Source Link Cards */
.edu-sources{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:12px;margin-top:1.5rem;
}
.edu-source-card{
  display:flex;align-items:center;gap:12px;
  padding:14px 16px;background:#F7F9FC;
  border:1px solid #E0E4E8;border-radius:10px;
  text-decoration:none;color:#1D1D1F;
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.edu-source-card:hover{
  border-color:#002868;transform:translateY(-1px);
  box-shadow:0 3px 12px rgba(0,40,104,.1);
}
.edu-source-icon{
  width:36px;height:36px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:#002868;border-radius:8px;color:#fff;font-size:14px;
}
.edu-source-card .src-name{
  font:700 12.5px/1.3 Montserrat,sans-serif;color:#002868;
}
.edu-source-card .src-desc{font-size:11.5px;color:#5F6368;margin-top:2px;line-height:1.4}
.edu-source-card .gov-badge{
  margin-left:auto;flex-shrink:0;
  font:700 9px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.08em;
  background:#ecfdf5;color:#065f46;
  border:1px solid #a7f3d0;
  padding:4px 8px;border-radius:999px;
}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .edu-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .edu-topic-header{flex-direction:column;align-items:flex-start;gap:10px}
  .edu-stats{grid-template-columns:1fr 1fr}
  .edu-nav{gap:6px}
  .edu-nav-pill{padding:7px 12px;font-size:11px}
  .edu-checklist{grid-template-columns:1fr}
  .edu-sources{grid-template-columns:1fr}
  .edu-alert{flex-direction:column;gap:8px}
}
@media(max-width:600px){
  .edu-section h2{font-size:1.3rem}
  .edu-intro{font-size:.9rem}
  .edu-stats{grid-template-columns:1fr}
  .edu-table{font-size:12.5px}
  .edu-table thead th,.edu-table tbody td{padding:9px 12px}
  .edu-source-card{flex-wrap:wrap}
  .edu-source-card .gov-badge{margin-left:0;margin-top:4px}
}
/* ─── REAL EXAMPLES SECTION ─────────────────────────────── */
.examples-section{
  background:#f7f8fa;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.examples-container{max-width:1100px;margin-inline:auto}

/* Header */
.examples-header{margin-bottom:2.5rem}
.examples-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#fff7ed;color:#92400E;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #FDE68A;margin-bottom:.85rem;
}
.examples-eyebrow i{font-size:10px}
.examples-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.examples-intro{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Example Card Stack */
.example-cards{display:flex;flex-direction:column;gap:20px}

/* Individual Example Card */
.example-card{
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;overflow:hidden;
  box-shadow:0 1px 4px rgba(0,0,0,.05);
  transition:border-color .2s,box-shadow .2s;
}
.example-card:hover{
  border-color:#002868;
  box-shadow:0 6px 24px rgba(0,40,104,.1);
}

/* Card Top Bar (colored accent stripe) */
.example-card-top{
  display:flex;align-items:center;gap:14px;
  padding:16px 22px;cursor:pointer;
  user-select:none;transition:background .15s;
}
.example-card-top:hover{background:#f7f9fc}

.example-avatar{
  width:48px;height:48px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  border-radius:12px;font-size:20px;color:#fff;
}
.example-avatar.av-nurse{background:linear-gradient(135deg,#BF0A30,#9B0826)}
.example-avatar.av-warehouse{background:linear-gradient(135deg,#002868,#003580)}
.example-avatar.av-dev{background:linear-gradient(135deg,#6D28D9,#4C1D95)}
.example-avatar.av-server{background:linear-gradient(135deg,#D97706,#92400E)}
.example-avatar.av-designer{background:linear-gradient(135deg,#00875A,#006644)}

.example-meta{flex:1;min-width:0}
.example-name{
  font:800 15px/1.25 Montserrat,sans-serif;
  color:#00183F;
}
.example-role{
  font-size:13px;color:#5F6368;margin-top:2px;
  display:flex;align-items:center;gap:8px;flex-wrap:wrap;
}
.example-role .loc{
  display:inline-flex;align-items:center;gap:4px;
  font-size:11.5px;color:#5F6368;
}
.example-role .loc i{font-size:10px;color:#9CA3AF}

/* Pay Badges on right side */
.example-pay-badges{
  display:flex;gap:8px;flex-shrink:0;flex-wrap:wrap;
  justify-content:flex-end;
}
.pay-badge{
  display:inline-flex;align-items:center;gap:4px;
  padding:6px 12px;border-radius:999px;
  font:700 12px/1 Montserrat,sans-serif;
  white-space:nowrap;
}
.pay-badge.hourly{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.pay-badge.annual{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.pay-badge i{font-size:10px}

/* Chevron */
.example-chevron{
  flex-shrink:0;color:#9CA3AF;font-size:14px;
  transition:transform .25s ease,color .25s ease;
}
.example-card.open .example-chevron{transform:rotate(180deg);color:#002868}

/* Card Body (expandable) */
.example-body{
  max-height:0;overflow:hidden;
  transition:max-height .4s ease,padding .3s ease;
  padding:0 22px;
}
.example-card.open .example-body{
  max-height:900px;
  padding:0 22px 22px;
}

/* Scenario Divider */
.example-divider{
  height:1px;background:#E0E4E8;margin:16px 0;
}

/* Scenario Description */
.example-scenario{
  font-size:.9rem;color:#4a5568;line-height:1.7;margin-bottom:16px;
}
.example-scenario strong{color:#1D1D1F}

/* Mini KPI Grid inside card */
.example-kpis{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:10px;margin-bottom:16px;
}
.ex-kpi{
  background:#F7F9FC;border:1px solid #E0E4E8;
  border-radius:10px;padding:12px;text-align:center;
}
.ex-kpi-label{
  font:700 9px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  color:#5F6368;margin-bottom:6px;
}
.ex-kpi-val{
  font:800 18px/1.15 Montserrat,sans-serif;
  color:#002868;font-variant-numeric:tabular-nums;
}
.ex-kpi-val.green{color:#00875A}
.ex-kpi-val.red{color:#BF0A30}
.ex-kpi-sub{font-size:10.5px;color:#9CA3AF;margin-top:3px}

/* Insight Callout inside card */
.example-insight{
  display:flex;align-items:flex-start;gap:12px;
  padding:14px 16px;border-radius:10px;
  font-size:13px;line-height:1.6;
}
.example-insight.pro{background:#ECFDF5;border:1px solid #A7F3D0;color:#065F46}
.example-insight.con{background:#FEF2F2;border:1px solid #FECACA;color:#991B1B}
.example-insight.neutral{background:#EEF6FF;border:1px solid #BFDBFE;color:#1E40AF}
.example-insight i{flex-shrink:0;font-size:14px;margin-top:2px}
.example-insight strong{font-weight:700}

/* Source tag */
.example-source{
  display:flex;align-items:center;gap:6px;
  margin-top:12px;font-size:11px;color:#9CA3AF;
}
.example-source i{font-size:10px}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .examples-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .example-card-top{flex-wrap:wrap;padding:14px 16px;gap:10px}
  .example-pay-badges{width:100%;justify-content:flex-start;margin-top:4px}
  .example-kpis{grid-template-columns:1fr 1fr;gap:8px}
  .example-body{padding:0 16px}
  .example-card.open .example-body{padding:0 16px 18px}
}
@media(max-width:600px){
  .examples-section h2{font-size:1.3rem}
  .examples-intro{font-size:.9rem}
  .example-avatar{width:42px;height:42px;font-size:18px;border-radius:10px}
  .example-name{font-size:13.5px}
  .example-kpis{grid-template-columns:1fr 1fr}
  .ex-kpi-val{font-size:15px}
  .pay-badge{font-size:11px;padding:5px 10px}
}
/* ─── PRO TIPS SECTION ──────────────────────────────────── */
.tips-section{
  background:#fff;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.tips-container{max-width:1100px;margin-inline:auto}

/* Header */
.tips-header{margin-bottom:2.5rem}
.tips-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#EEF6FF;color:#1E40AF;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #BFDBFE;margin-bottom:.85rem;
}
.tips-eyebrow i{font-size:10px}
.tips-section>div>div.tips-header h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.tips-intro{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Category Nav Tabs */
.tips-tabs{
  display:flex;gap:6px;
  background:#F7F9FC;border:1px solid #E0E4E8;
  border-radius:10px;padding:5px;
  margin-bottom:2rem;overflow-x:auto;
}
.tips-tab{
  flex:1;display:flex;align-items:center;justify-content:center;gap:6px;
  padding:10px 14px;border-radius:7px;
  font:700 12px/1 Montserrat,sans-serif;
  color:#5F6368;cursor:pointer;border:none;
  background:transparent;transition:all .2s ease;
  white-space:nowrap;min-width:max-content;
}
.tips-tab:hover{color:#002868;background:rgba(0,40,104,.04)}
.tips-tab.active{
  background:#002868;color:#fff;
  box-shadow:0 2px 8px rgba(0,40,104,.25);
}
.tips-tab i{font-size:12px}

/* Tips Category Panel */
.tips-panel{display:none}
.tips-panel.visible{display:block}

/* Tip Card */
.tip-card{
  background:#F7F9FC;border:1.5px solid #E0E4E8;
  border-radius:14px;padding:22px 24px;
  margin-bottom:16px;position:relative;
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.tip-card:hover{
  border-color:#002868;
  box-shadow:0 4px 20px rgba(0,40,104,.08);
  transform:translateY(-1px);
}
.tip-card:last-child{margin-bottom:0}

/* Tip Number Badge */
.tip-num{
  position:absolute;top:-1px;left:22px;
  background:#002868;color:#fff;
  font:800 10px/1 Montserrat,sans-serif;
  letter-spacing:.06em;text-transform:uppercase;
  padding:5px 12px;border-radius:0 0 8px 8px;
}
.tip-num.red-bg{background:#BF0A30}
.tip-num.green-bg{background:#00875A}
.tip-num.purple-bg{background:#6D28D9}
.tip-num.amber-bg{background:#D97706}

/* Tip Content */
.tip-title{
  font:800 15px/1.3 Montserrat,sans-serif;
  color:#00183F;margin-top:16px;margin-bottom:8px;
  display:flex;align-items:center;gap:10px;
}
.tip-title i{font-size:16px;color:#002868}
.tip-text{font-size:.9rem;color:#4a5568;line-height:1.7;margin-bottom:10px}
.tip-text strong{color:#1D1D1F;font-weight:700}
.tip-text em{color:#5F6368}

/* Do / Don't inline tags */
.tip-do{
  display:inline-flex;align-items:center;gap:5px;
  background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0;
  font:700 11px/1 Montserrat,sans-serif;
  padding:4px 10px;border-radius:999px;margin-right:6px;
}
.tip-dont{
  display:inline-flex;align-items:center;gap:5px;
  background:#FEF2F2;color:#991B1B;border:1px solid #FECACA;
  font:700 11px/1 Montserrat,sans-serif;
  padding:4px 10px;border-radius:999px;margin-right:6px;
}
.tip-do i,.tip-dont i{font-size:9px}

/* Example Box inside tip */
.tip-example{
  background:#fff;border:1px solid #E0E4E8;
  border-radius:10px;padding:14px 16px;
  margin-top:10px;font-size:13px;line-height:1.6;
}
.tip-example-label{
  font:700 10px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  color:#5F6368;margin-bottom:6px;
  display:flex;align-items:center;gap:6px;
}
.tip-example-label i{font-size:11px;color:#002868}
.tip-example .math{
  font-family:'Courier New',monospace;
  font-weight:700;color:#002868;
  background:#EEF2F7;padding:2px 8px;
  border-radius:4px;font-size:12.5px;
  display:inline-block;margin:4px 0;
}
.tip-example .result{
  font:800 16px/1.2 Montserrat,sans-serif;
  color:#00875A;margin-top:6px;
}
.tip-example .result.red{color:#BF0A30}

/* Script Phrase Boxes */
.tip-script{
  background:#fff;border:1px solid #E0E4E8;
  border-left:4px solid #002868;
  border-radius:0 10px 10px 0;
  padding:14px 16px;margin-top:10px;
  font-size:13.5px;font-style:italic;
  color:#4a5568;line-height:1.6;
}
.tip-script .script-label{
  font:700 10px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  color:#002868;font-style:normal;
  margin-bottom:6px;display:flex;align-items:center;gap:6px;
}
.tip-script .script-label i{font-size:11px}

/* Quick-Stat inline */
.tip-stat{
  display:inline-flex;align-items:baseline;gap:4px;
  background:#002868;color:#fff;
  font:800 13px/1 Montserrat,sans-serif;
  padding:4px 10px;border-radius:6px;
  font-variant-numeric:tabular-nums;
}

/* Bottom CTA bar */
.tips-cta{
  margin-top:2.5rem;
  background:linear-gradient(135deg,#002868 0%,#00183F 100%);
  border-radius:14px;padding:24px 28px;
  display:flex;align-items:center;gap:20px;
  flex-wrap:wrap;
  box-shadow:0 4px 20px rgba(0,40,104,.2);
}
.tips-cta-icon{
  width:52px;height:52px;flex-shrink:0;
  background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.15);
  border-radius:14px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;color:#fff;
}
.tips-cta-text{flex:1;min-width:200px}
.tips-cta-text h3{
  font:800 16px/1.3 Montserrat,sans-serif;
  color:#fff;margin-bottom:4px;
}
.tips-cta-text p{font-size:13.5px;color:rgba(255,255,255,.7);line-height:1.5}
.tips-cta .cta-btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 22px;border-radius:10px;
  background:#BF0A30;color:#fff;
  font:700 13px/1 Montserrat,sans-serif;
  border:none;cursor:pointer;white-space:nowrap;
  transition:all .2s ease;text-decoration:none;
  box-shadow:0 2px 8px rgba(191,10,48,.3);
}
.tips-cta .cta-btn:hover{
  background:#9B0826;transform:translateY(-1px);
  box-shadow:0 4px 16px rgba(191,10,48,.4);
}
.tips-cta .cta-btn i{font-size:12px}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .tips-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .tips-tabs{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .tips-tab{padding:9px 12px;font-size:11px}
  .tips-tab i{display:none}
  .tip-card{padding:18px 16px}
  .tip-title{font-size:14px;margin-top:14px}
  .tips-cta{flex-direction:column;text-align:center;padding:20px}
  .tips-cta .cta-btn{width:100%;justify-content:center}
}
@media(max-width:600px){
  .tips-section>div>div.tips-header h2{font-size:1.3rem}
  .tips-intro{font-size:.9rem}
  .tip-text{font-size:.85rem}
  .tip-example,.tip-script{font-size:12.5px}
  .tips-cta-text h3{font-size:14px}
}
/* ─── FAQ SECTION ───────────────────────────────────────── */
.faq-section{
  background:#f7f8fa;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.faq-container{max-width:1100px;margin-inline:auto}

/* Header */
.faq-header{margin-bottom:2.5rem}
.faq-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#ECFDF5;color:#065F46;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #A7F3D0;margin-bottom:.85rem;
}
.faq-eyebrow i{font-size:10px}
.faq-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.faq-subtitle{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Category Filter Chips */
.faq-filters{
  display:flex;gap:8px;flex-wrap:wrap;
  margin-bottom:2rem;
}
.faq-filter{
  display:inline-flex;align-items:center;gap:6px;
  padding:8px 14px;border-radius:999px;
  border:1.5px solid #E0E4E8;background:#fff;
  font:700 11.5px/1 Montserrat,sans-serif;
  color:#5F6368;cursor:pointer;
  transition:all .2s ease;
}
.faq-filter:hover{color:#002868;border-color:#002868;background:rgba(0,40,104,.03)}
.faq-filter.active{background:#002868;color:#fff;border-color:#002868;box-shadow:0 2px 8px rgba(0,40,104,.2)}
.faq-filter i{font-size:10px}
.faq-filter .count{
  font:700 10px/1 Montserrat,sans-serif;
  background:rgba(0,0,0,.08);
  padding:2px 7px;border-radius:999px;
  margin-left:2px;
}
.faq-filter.active .count{background:rgba(255,255,255,.2)}

/* Accordion Items */
.faq-list{display:flex;flex-direction:column;gap:10px}

.faq-item{
  background:#fff;
  border:1.5px solid #E0E4E8;
  border-radius:12px;
  overflow:hidden;
  transition:border-color .2s,box-shadow .2s;
}
.faq-item:hover{border-color:#B0B8C4}
.faq-item.open{
  border-color:#002868;
  box-shadow:0 4px 16px rgba(0,40,104,.08);
}

/* Question Row */
.faq-q{
  display:flex;align-items:center;gap:14px;
  padding:16px 20px;cursor:pointer;
  user-select:none;transition:background .15s;
}
.faq-q:hover{background:#f7f9fc}

.faq-q-icon{
  width:34px;height:34px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:#EEF2F7;border:1px solid #E0E4E8;
  border-radius:9px;font-size:14px;color:#002868;
  transition:all .2s;
}
.faq-item.open .faq-q-icon{
  background:#002868;color:#fff;border-color:#002868;
}

.faq-q-text{
  flex:1;
  font:700 14px/1.4 Montserrat,sans-serif;
  color:#1D1D1F;
  transition:color .2s;
}
.faq-item.open .faq-q-text{color:#002868}

.faq-q-cat{
  display:inline-flex;align-items:center;gap:4px;
  font:700 9.5px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.07em;
  padding:4px 9px;border-radius:999px;
  white-space:nowrap;flex-shrink:0;
}
.faq-q-cat.cat-basic{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.faq-q-cat.cat-overtime{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.faq-q-cat.cat-tax{background:#FFF7ED;color:#92400E;border:1px solid #FDE68A}
.faq-q-cat.cat-compare{background:#EEF6FF;color:#1E40AF;border:1px solid #BFDBFE}
.faq-q-cat.cat-contractor{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}

.faq-chevron{
  flex-shrink:0;color:#9CA3AF;font-size:13px;
  transition:transform .3s ease,color .3s;
}
.faq-item.open .faq-chevron{transform:rotate(180deg);color:#002868}

/* Answer Row */
.faq-a{
  max-height:0;overflow:hidden;
  transition:max-height .4s ease,padding .3s ease;
  padding:0 20px;
}
.faq-item.open .faq-a{
  max-height:600px;
  padding:0 20px 20px;
}
.faq-a-inner{
  border-top:1px solid #E0E4E8;
  padding-top:16px;
}

/* Answer Prose */
.faq-a p{
  font-size:.9rem;color:#4a5568;line-height:1.75;
  margin-bottom:10px;max-width:72ch;
}
.faq-a p:last-child{margin-bottom:0}
.faq-a strong{color:#1D1D1F;font-weight:700}
.faq-a code{
  font-family:'Courier New',monospace;font-weight:700;
  color:#002868;background:#EEF2F7;
  padding:2px 7px;border-radius:4px;font-size:12.5px;
}
.faq-a a{color:#002868;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.faq-a a:hover{color:#BF0A30}

/* Formula Box inside FAQ */
.faq-formula{
  background:#F7F9FC;border:1px solid #E0E4E8;
  border-radius:10px;padding:14px 16px;
  margin:10px 0;font-size:13px;line-height:1.6;
}
.faq-formula .formula-label{
  font:700 9.5px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  color:#5F6368;margin-bottom:6px;
  display:flex;align-items:center;gap:6px;
}
.faq-formula .formula-label i{font-size:11px;color:#002868}

/* Quick-answer highlight */
.faq-quick{
  display:inline-flex;align-items:center;gap:6px;
  background:#002868;color:#fff;
  font:800 13px/1 Montserrat,sans-serif;
  padding:5px 12px;border-radius:6px;
  margin-bottom:8px;font-variant-numeric:tabular-nums;
}

/* Still Have Questions CTA */
.faq-cta{
  margin-top:2.5rem;
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;padding:24px 28px;
  display:flex;align-items:center;gap:18px;
  flex-wrap:wrap;
  transition:border-color .2s,box-shadow .2s;
}
.faq-cta:hover{
  border-color:#002868;
  box-shadow:0 4px 16px rgba(0,40,104,.08);
}
.faq-cta-icon{
  width:48px;height:48px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:#EEF2F7;border:1px solid #E0E4E8;
  border-radius:12px;font-size:20px;color:#002868;
}
.faq-cta-text{flex:1;min-width:200px}
.faq-cta-text h3{
  font:800 15px/1.3 Montserrat,sans-serif;
  color:#00183F;margin-bottom:3px;
}
.faq-cta-text p{font-size:13px;color:#5F6368;line-height:1.5}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .faq-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .faq-q{padding:14px 16px;gap:10px}
  .faq-q-icon{width:30px;height:30px;font-size:12px;border-radius:7px}
  .faq-q-text{font-size:13px}
  .faq-q-cat{display:none}
  .faq-a{padding:0 16px}
  .faq-item.open .faq-a{padding:0 16px 16px}
  .faq-filters{gap:6px}
  .faq-filter{padding:7px 11px;font-size:10.5px}
  .faq-cta{flex-direction:column;text-align:center;padding:20px}
}
@media(max-width:600px){
  .faq-section h2{font-size:1.3rem}
  .faq-subtitle{font-size:.9rem}
  .faq-a p{font-size:.85rem}
  .faq-formula{font-size:12px;padding:10px 12px}
}
/* ─── RELATED CALCULATORS SECTION ───────────────────────── */
.related-section{
  background:#fff;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.related-container{max-width:1100px;margin-inline:auto}

/* Header */
.related-header{margin-bottom:2rem}
.related-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:#EEF2F7;color:#002868;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  border:1px solid #D4DAE3;margin-bottom:.85rem;
}
.related-eyebrow i{font-size:10px}
.related-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.related-subtitle{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* Tier Groups */
.related-tier{margin-bottom:2.5rem}
.related-tier:last-child{margin-bottom:0}
.related-tier-label{
  display:inline-flex;align-items:center;gap:7px;
  font:700 11px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.08em;
  color:#5F6368;margin-bottom:1rem;
  padding-bottom:8px;
  border-bottom:2px solid #E0E4E8;
  width:100%;
}
.related-tier-label i{font-size:12px}
.related-tier-label.tier-direct{color:#002868;border-bottom-color:#002868}
.related-tier-label.tier-budget{color:#00875A;border-bottom-color:#00875A}
.related-tier-label.tier-career{color:#BF0A30;border-bottom-color:#BF0A30}

/* Card Grid */
.related-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));
  gap:14px;
}

/* Individual Card */
.related-card{
  background:#F7F9FC;
  border:1.5px solid #E0E4E8;
  border-radius:14px;
  padding:20px;
  text-decoration:none;color:inherit;
  display:flex;flex-direction:column;gap:10px;
  position:relative;overflow:hidden;
  transition:border-color .25s,box-shadow .25s,transform .25s;
}
.related-card:hover{
  border-color:#002868;
  box-shadow:0 6px 24px rgba(0,40,104,.1);
  transform:translateY(-3px);
}
.related-card:active{transform:translateY(0)}

/* Card Top Row: Icon + Category */
.related-card-top{
  display:flex;align-items:center;justify-content:space-between;
}
.related-card-icon{
  width:40px;height:40px;
  display:flex;align-items:center;justify-content:center;
  border-radius:10px;font-size:18px;
  flex-shrink:0;
}
.related-card-icon.icon-navy{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.related-card-icon.icon-green{background:#ECFDF5;color:#00875A;border:1px solid #A7F3D0}
.related-card-icon.icon-red{background:#FEF2F2;color:#BF0A30;border:1px solid #FECACA}
.related-card-icon.icon-amber{background:#FFF7ED;color:#92400E;border:1px solid #FDE68A}
.related-card-icon.icon-blue{background:#EEF6FF;color:#1E40AF;border:1px solid #BFDBFE}
.related-card-icon.icon-purple{background:#F5F3FF;color:#6D28D9;border:1px solid #DDD6FE}

.related-card-cat{
  font:700 9px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.08em;
  padding:4px 9px;border-radius:999px;
  white-space:nowrap;
}
.related-card-cat.cat-personal{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.related-card-cat.cat-tax{background:#FFF7ED;color:#92400E;border:1px solid #FDE68A}
.related-card-cat.cat-credit{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.related-card-cat.cat-investing{background:#F5F3FF;color:#6D28D9;border:1px solid #DDD6FE}
.related-card-cat.cat-insurance{background:#EEF6FF;color:#1E40AF;border:1px solid #BFDBFE}
.related-card-cat.cat-business{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}

/* Card Title */
.related-card-title{
  font:800 14.5px/1.3 Montserrat,sans-serif;
  color:#00183F;
  transition:color .2s;
}
.related-card:hover .related-card-title{color:#002868}

/* Card Description */
.related-card-desc{
  font-size:13px;color:#5F6368;line-height:1.6;
  flex:1;
}

/* Card Footer: Relevance + Arrow */
.related-card-footer{
  display:flex;align-items:center;justify-content:space-between;
  padding-top:10px;
  border-top:1px solid #E0E4E8;
  margin-top:auto;
}
.related-card-why{
  font:600 11px/1.3 Inter,sans-serif;
  color:#5F6368;
  display:flex;align-items:center;gap:5px;
}
.related-card-why i{font-size:10px;color:#002868}
.related-card-arrow{
  width:28px;height:28px;
  display:flex;align-items:center;justify-content:center;
  background:#002868;color:#fff;
  border-radius:8px;font-size:12px;
  flex-shrink:0;
  transition:background .2s,transform .2s;
}
.related-card:hover .related-card-arrow{
  background:#BF0A30;transform:translateX(2px);
}

/* Featured Card (first card highlighted) */
.related-card.featured{
  background:linear-gradient(135deg,#002868 0%,#00183F 100%);
  border-color:transparent;
  box-shadow:0 4px 20px rgba(0,40,104,.2);
}
.related-card.featured .related-card-icon{
  background:rgba(255,255,255,.1);
  border-color:rgba(255,255,255,.15);
  color:#fff;
}
.related-card.featured .related-card-cat{
  background:rgba(255,255,255,.15);
  border-color:rgba(255,255,255,.2);
  color:#fff;
}
.related-card.featured .related-card-title{color:#fff}
.related-card.featured:hover .related-card-title{color:#fff}
.related-card.featured .related-card-desc{color:rgba(255,255,255,.7)}
.related-card.featured .related-card-footer{border-top-color:rgba(255,255,255,.12)}
.related-card.featured .related-card-why{color:rgba(255,255,255,.6)}
.related-card.featured .related-card-why i{color:rgba(255,255,255,.8)}
.related-card.featured .related-card-arrow{background:#BF0A30}
.related-card.featured:hover{
  transform:translateY(-3px);
  box-shadow:0 8px 32px rgba(0,40,104,.3);
}
.related-card.featured:hover .related-card-arrow{
  background:#fff;color:#002868;
}

/* Bottom "Browse All" Bar */
.related-browse{
  margin-top:2rem;
  display:flex;align-items:center;justify-content:center;gap:12px;
  flex-wrap:wrap;
}
.related-browse-btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 24px;border-radius:10px;
  font:700 13px/1 Montserrat,sans-serif;
  text-decoration:none;
  transition:all .2s ease;
  white-space:nowrap;
}
.related-browse-btn.btn-primary{
  background:#002868;color:#fff;
  box-shadow:0 2px 10px rgba(0,40,104,.2);
}
.related-browse-btn.btn-primary:hover{
  background:#00183F;transform:translateY(-1px);
  box-shadow:0 4px 16px rgba(0,40,104,.3);
}
.related-browse-btn.btn-secondary{
  background:#F7F9FC;color:#002868;
  border:1.5px solid #E0E4E8;
}
.related-browse-btn.btn-secondary:hover{
  border-color:#002868;background:#EEF2F7;
}
.related-browse-btn i{font-size:12px}

/* Counter badge in browse */
.related-browse-count{
  font:800 11px/1 Montserrat,sans-serif;
  background:rgba(255,255,255,.2);
  padding:3px 9px;border-radius:999px;
}
.related-browse-btn.btn-secondary .related-browse-count{
  background:rgba(0,40,104,.08);
}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:768px){
  .related-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .related-grid{grid-template-columns:1fr;gap:12px}
  .related-card{padding:16px}
  .related-card-title{font-size:13.5px}
  .related-card-desc{font-size:12.5px}
  .related-browse{flex-direction:column}
  .related-browse-btn{width:100%;justify-content:center}
}
@media(max-width:600px){
  .related-section h2{font-size:1.3rem}
  .related-subtitle{font-size:.9rem}
  .related-card-footer{flex-wrap:wrap;gap:8px}
  .related-card-why{font-size:10px}
}
/* ─── TRANSPARENCY & METHODOLOGY SECTION ────────────────── */
.trust-section{
  background:#f7f8fa;
  border-top:3px solid #e8eaf0;
  padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);
  font-family:Inter,sans-serif;color:#1D1D1F;
}
.trust-container{max-width:1100px;margin-inline:auto}

/* ─── SHARED HEADER ─────────────────────────────────────── */
.trust-header{margin-bottom:2.5rem}
.trust-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  font:700 .72rem/1 Montserrat,sans-serif;
  letter-spacing:.09em;text-transform:uppercase;
  padding:.35rem .9rem;border-radius:999px;
  margin-bottom:.85rem;
}
.trust-eyebrow.eyebrow-disclaimer{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.trust-eyebrow.eyebrow-method{background:#EEF6FF;color:#1E40AF;border:1px solid #BFDBFE}
.trust-eyebrow i{font-size:10px}
.trust-section h2{
  font:800 clamp(1.5rem,3vw,2rem)/1.2 Montserrat,sans-serif;
  color:#002868;margin-bottom:.75rem;
}
.trust-subtitle{font-size:1rem;color:#4a5568;max-width:72ch;line-height:1.7}

/* ─── DUAL-PANEL LAYOUT ────────────────────────────────── */
.trust-dual{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
  margin-bottom:2.5rem;
}

/* ─── TRUST CARD (shared) ──────────────────────────────── */
.trust-card{
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;padding:22px 24px;
  transition:border-color .2s,box-shadow .2s;
}
.trust-card:hover{
  border-color:#B0B8C4;
  box-shadow:0 4px 16px rgba(0,40,104,.06);
}
.trust-card-head{
  display:flex;align-items:center;gap:12px;
  margin-bottom:14px;
}
.trust-card-icon{
  width:38px;height:38px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  border-radius:10px;font-size:16px;
}
.trust-card-icon.icon-red{background:#FEF2F2;color:#BF0A30;border:1px solid #FECACA}
.trust-card-icon.icon-navy{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.trust-card-icon.icon-green{background:#ECFDF5;color:#00875A;border:1px solid #A7F3D0}
.trust-card-icon.icon-amber{background:#FFF7ED;color:#92400E;border:1px solid #FDE68A}
.trust-card-icon.icon-blue{background:#EEF6FF;color:#1E40AF;border:1px solid #BFDBFE}
.trust-card-icon.icon-purple{background:#F5F3FF;color:#6D28D9;border:1px solid #DDD6FE}
.trust-card-title{
  font:800 14px/1.3 Montserrat,sans-serif;
  color:#00183F;
}
.trust-card p{font-size:13.5px;color:#4a5568;line-height:1.7;margin-bottom:8px}
.trust-card p:last-child{margin-bottom:0}
.trust-card strong{color:#1D1D1F;font-weight:700}
.trust-card a{color:#002868;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.trust-card a:hover{color:#BF0A30}

/* ─── ALERT BOX (YMYL Warning) ─────────────────────────── */
.trust-alert{
  background:linear-gradient(135deg,#BF0A30 0%,#8B0000 100%);
  border-radius:14px;padding:22px 24px;
  display:flex;align-items:flex-start;gap:16px;
  margin-bottom:2.5rem;
  box-shadow:0 4px 16px rgba(191,10,48,.15);
}
.trust-alert-icon{
  width:42px;height:42px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:rgba(255,255,255,.15);
  border:1px solid rgba(255,255,255,.2);
  border-radius:12px;font-size:20px;color:#fff;
}
.trust-alert-body{flex:1}
.trust-alert-body h3{
  font:800 15px/1.3 Montserrat,sans-serif;
  color:#fff;margin-bottom:6px;
}
.trust-alert-body p{font-size:13.5px;color:rgba(255,255,255,.85);line-height:1.65;margin:0}
.trust-alert-body p strong{color:#fff}

/* ─── COMPLIANCE BADGES ────────────────────────────────── */
.trust-badges{
  display:flex;gap:10px;flex-wrap:wrap;
  margin-bottom:2.5rem;
}
.trust-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:10px;padding:10px 16px;
  font:700 12px/1 Montserrat,sans-serif;
  color:#1D1D1F;
  transition:border-color .2s;
}
.trust-badge:hover{border-color:#002868}
.trust-badge i{font-size:14px}
.trust-badge .badge-label{font-weight:400;color:#5F6368;margin-left:2px}
.trust-badge.badge-red i{color:#BF0A30}
.trust-badge.badge-navy i{color:#002868}
.trust-badge.badge-green i{color:#00875A}
.trust-badge.badge-amber i{color:#D97706}

/* ─── SECTION DIVIDER ──────────────────────────────────── */
.trust-divider{
  height:3px;
  background:linear-gradient(90deg,#002868 0%,#E0E4E8 40%,#E0E4E8 60%,#BF0A30 100%);
  border:none;border-radius:2px;
  margin:3rem 0;
}

/* ─── DATA SOURCE TABLE ────────────────────────────────── */
.source-table-wrap{
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;overflow:hidden;
  margin-bottom:2rem;
}
.source-table{width:100%;border-collapse:collapse;font-size:13.5px}
.source-table thead th{
  background:#002868;color:#fff;
  font:700 11px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.07em;
  padding:12px 16px;text-align:left;
  white-space:nowrap;
}
.source-table tbody tr{transition:background .15s}
.source-table tbody tr:hover{background:#f7f9fc}
.source-table tbody tr:not(:last-child){border-bottom:1px solid #E0E4E8}
.source-table tbody td{padding:12px 16px;color:#4a5568;line-height:1.5;vertical-align:top}
.source-table tbody td:first-child{font-weight:700;color:#00183F;white-space:nowrap}
.source-table tbody td a{color:#002868;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.source-table tbody td a:hover{color:#BF0A30}
.source-tag{
  display:inline-flex;align-items:center;gap:4px;
  font:700 9px/1 Montserrat,sans-serif;
  text-transform:uppercase;letter-spacing:.06em;
  padding:3px 8px;border-radius:999px;
  white-space:nowrap;
}
.source-tag.tag-govt{background:#EEF2F7;color:#002868;border:1px solid #D4DAE3}
.source-tag.tag-irs{background:#FFF7ED;color:#92400E;border:1px solid #FDE68A}
.source-tag.tag-industry{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.source-tag.tag-law{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}

/* ─── FORMULA METHODOLOGY CARDS ────────────────────────── */
.method-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(min(320px,100%),1fr));
  gap:14px;
  margin-bottom:2rem;
}
.method-card{
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;padding:20px;
  transition:border-color .2s,box-shadow .2s;
}
.method-card:hover{
  border-color:#002868;
  box-shadow:0 4px 16px rgba(0,40,104,.08);
}
.method-card-head{
  display:flex;align-items:center;gap:10px;
  margin-bottom:12px;
}
.method-card-num{
  width:30px;height:30px;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  background:#002868;color:#fff;
  font:800 12px/1 Montserrat,sans-serif;
  border-radius:8px;
}
.method-card-label{
  font:800 13.5px/1.3 Montserrat,sans-serif;
  color:#00183F;
}
.method-card p{font-size:13px;color:#4a5568;line-height:1.65;margin-bottom:8px}
.method-card p:last-child{margin-bottom:0}
.method-card code{
  font-family:'Courier New',monospace;font-weight:700;
  color:#002868;background:#EEF2F7;
  padding:2px 7px;border-radius:4px;font-size:12px;
  display:inline-block;margin:3px 0;
}

/* ─── UPDATE LOG ───────────────────────────────────────── */
.update-log{
  background:#fff;border:1.5px solid #E0E4E8;
  border-radius:14px;padding:20px 22px;
  margin-bottom:2rem;
}
.update-log-title{
  font:800 14px/1.3 Montserrat,sans-serif;
  color:#00183F;margin-bottom:14px;
  display:flex;align-items:center;gap:8px;
}
.update-log-title i{color:#002868;font-size:14px}
.update-entry{
  display:flex;align-items:flex-start;gap:12px;
  padding:10px 0;
  border-bottom:1px solid #E0E4E8;
}
.update-entry:last-child{border-bottom:none;padding-bottom:0}
.update-date{
  font:700 11px/1.2 Montserrat,sans-serif;
  color:#002868;background:#EEF2F7;
  padding:4px 10px;border-radius:6px;
  white-space:nowrap;flex-shrink:0;
  border:1px solid #D4DAE3;
}
.update-text{font-size:13px;color:#4a5568;line-height:1.5}
.update-text strong{color:#1D1D1F}

/* ─── BOTTOM LINKS BAR ─────────────────────────────────── */
.trust-links{
  display:flex;gap:10px;flex-wrap:wrap;
}
.trust-link{
  display:inline-flex;align-items:center;gap:7px;
  padding:10px 16px;border-radius:10px;
  background:#fff;border:1.5px solid #E0E4E8;
  font:700 12px/1 Montserrat,sans-serif;
  color:#002868;text-decoration:none;
  transition:all .2s;white-space:nowrap;
}
.trust-link:hover{border-color:#002868;background:#EEF2F7;transform:translateY(-1px)}
.trust-link i{font-size:12px}

/* ─── RESPONSIVE ────────────────────────────────────────── */
@media(max-width:960px){
  .trust-dual{grid-template-columns:1fr}
}
@media(max-width:768px){
  .trust-section{padding:clamp(2rem,5vw,3.5rem) clamp(.75rem,3vw,1.5rem)}
  .trust-alert{flex-direction:column;gap:12px}
  .trust-badges{gap:8px}
  .trust-badge{padding:8px 12px;font-size:11px}
  .source-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
  .source-table{min-width:600px}
  .method-grid{grid-template-columns:1fr}
  .trust-links{flex-direction:column}
  .trust-link{justify-content:center;width:100%}
}
@media(max-width:600px){
  .trust-section h2{font-size:1.3rem}
  .trust-subtitle{font-size:.9rem}
  .trust-card{padding:16px 18px}
  .trust-card p{font-size:12.5px}
  .update-entry{flex-direction:column;gap:6px}
}
/* ==========================================================
   UI TYPOGRAPHY FIXES (KPIs & Headings)
   ========================================================== */

/* 1. Reduce the overwhelming boldness of the 4 KPI values */
.k-value {
    font-weight: 600 !important; /* Reduced from 800 Extra-Bold */
}

/* 2. Bold & Brand Color for "Wage inputs" & "Results dashboard" */
.sec-title > div {
    font-family: 'Montserrat', sans-serif !important;
    font-weight: 800 !important;
    font-size: 20px !important;
    color: var(--navy) !important;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
}

/* 3. Bold & Brand Color for Card Titles (Income Mix, Pay Breakdown, etc.) */
.card > div:first-child:not(.bars):not(.table-wrap):not(.scenario-grid),
.card > v:first-child {
    font-family: 'Montserrat', sans-serif !important;
    font-weight: 800 !important;
    font-size: 16px !important;
    color: var(--navy) !important;
    margin-bottom: 16px !important;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    border-bottom: 2px solid var(--bg);
    padding-bottom: 10px;
}
/* ==========================================================
   KPI VALUE FONT SIZE FIX
   ========================================================== */
.k-value {
    font-size: clamp(18px, 2.5vw, 22px) !important; /* Reduced from 28px max */
    font-weight: 600 !important; /* Keeps it semi-bold instead of extra-bold */
    line-height: 1.2 !important;
}