/* =====================================================
   INSTALLMENT VS REVOLVING DEBT CALCULATOR
   USFinanceCalculators.com | Kadence Integration
   ===================================================== */
:root {
  --iv-blue:    var(--global-palette1, #002868);
  --iv-charcoal:var(--global-palette3, #1D1D1F);
  --iv-gray:    var(--global-palette4, #5F6368);
  --iv-border:  var(--global-palette5, #E0E4E8);
  --iv-bg:      var(--global-palette6, #F7F9FC);
  --iv-white:   var(--global-palette7, #FFFFFF);
  --iv-red:     var(--global-palette8, #BF0A30);
  --iv-green:   var(--global-palette9, #00875A);
  --iv-amber:   #D97706;
  --iv-purple:  #7C3AED;
  --iv-teal:    #0891B2;
  --iv-orange:  #EA580C;
  /* Scenario colors */
  --iv-install: #002868;  /* installment = blue */
  --iv-revolve: #BF0A30;  /* revolving   = red  */
}

#ivWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1200px; margin: 0 auto;
  color: var(--iv-charcoal); -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.iv-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.iv-header::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 60%, rgba(0,135,90,0.10) 0%, transparent 55%),
              radial-gradient(ellipse at 85% 40%, rgba(191,10,48,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.iv-header::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px; pointer-events: none;
}
.iv-header-icon { font-size: 2.6rem; display: block; margin-bottom: 12px; position: relative; z-index: 1; }
.iv-title {
  font-family: 'Montserrat','Inter',sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 2rem) !important; font-weight: 800 !important;
  color: #fff !important; margin: 0 0 10px !important; line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-subtitle {
  font-size: 0.88rem; color: rgba(255,255,255,0.72);
  max-width: 800px; margin: 0 auto 22px; line-height: 1.65; position: relative; z-index: 1;
}
.iv-badges { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; position: relative; z-index: 1; }
.iv-badge {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.88); font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px; letter-spacing: 0.02em;
}

/* ---- SCENARIO LABELS ---- */
.iv-scenario-bar {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 20px;
}
.iv-scenario-label {
  border-radius: 12px; padding: 10px 16px; text-align: center;
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.78rem; font-weight: 800;
  letter-spacing: 0.04em; text-transform: uppercase;
}
.iv-scenario-label.a { background: var(--iv-install); color: #fff; }
.iv-scenario-label.b { background: var(--iv-revolve); color: #fff; }
.iv-scenario-label small { font-size: 0.7rem; font-weight: 500; letter-spacing: 0.02em; display: block; opacity: 0.8; }

/* ---- MAIN GRID ---- */
.iv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; margin-bottom: 24px; }
.iv-panel { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; padding: 24px; }
.iv-panel.install { border-top: 4px solid var(--iv-install); }
.iv-panel.revolve { border-top: 4px solid var(--iv-revolve); }
.iv-panel.common  { border-top: 4px solid var(--iv-green); }

/* ---- SECTION LABEL ---- */
.iv-sec {
  font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  margin: 0 0 14px; padding-bottom: 8px; border-bottom: 2px solid var(--iv-border);
  display: flex; align-items: center; gap: 7px;
}
.iv-sec.blue   { color: var(--iv-install); }
.iv-sec.red    { color: var(--iv-revolve); }
.iv-sec.green  { color: var(--iv-green);   }
.iv-sec.gray   { color: var(--iv-gray);    }
.iv-gap { margin-top: 20px; }

/* ---- FORM ---- */
.iv-r2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.iv-field { margin-bottom: 10px; }
.iv-field:last-child { margin-bottom: 0; }
.iv-field label { display: block; font-size: 0.74rem; font-weight: 600; color: var(--iv-charcoal); margin-bottom: 4px; }
.iv-field label .h { font-weight: 400; color: var(--iv-gray); font-size: 0.68rem; }
.iv-iw { display: flex; align-items: center; border: 1.5px solid var(--iv-border); border-radius: 8px; overflow: hidden; background: var(--iv-white); transition: border-color 0.2s; }
.iv-iw:focus-within { border-color: var(--iv-blue); }
.iv-pre,.iv-suf { background: var(--iv-bg); color: var(--iv-gray); font-size: 0.78rem; font-weight: 600; padding: 0 8px; height: 38px; display: flex; align-items: center; flex-shrink: 0; border-right: 1.5px solid var(--iv-border); }
.iv-suf { border-right: none; border-left: 1.5px solid var(--iv-border); }
.iv-iw input,.iv-iw select { flex: 1; height: 38px; border: none; outline: none; background: transparent; font-size: 0.84rem; color: var(--iv-charcoal); padding: 0 8px; min-width: 0; }
.iv-sel { width: 100%; height: 38px; border: 1.5px solid var(--iv-border); border-radius: 8px; background: var(--iv-white); font-size: 0.84rem; color: var(--iv-charcoal); padding: 0 8px; outline: none; cursor: pointer; transition: border-color 0.2s; }
.iv-sel:focus { border-color: var(--iv-blue); }

/* Promo period row (conditional) */
.iv-promo-row { display: none; }
.iv-promo-row.show { display: grid; }

/* ---- MODE TOGGLE ---- */
.iv-mode-bar { display: flex; justify-content: center; gap: 10px; margin-bottom: 20px; flex-wrap: wrap; }
.iv-mode-btn { padding: 8px 20px; border: 1.5px solid var(--iv-border); background: var(--iv-white); color: var(--iv-gray); font-family: 'Montserrat','Inter',sans-serif; font-size: 0.76rem; font-weight: 700; border-radius: 10px; cursor: pointer; transition: all 0.2s; letter-spacing: 0.03em; }
.iv-mode-btn.active { background: var(--iv-green); color: #fff; border-color: var(--iv-green); }

/* ---- AD ---- */
.ad-container.ad-in-calc { background: var(--iv-bg); border: 1.5px dashed var(--iv-border); border-radius: 10px; min-height: 90px; display: flex; align-items: center; justify-content: center; color: var(--iv-gray); font-size: 0.72rem; margin: 16px 0; }

/* ---- BUTTONS ---- */
.iv-calc-btn { width: 100%; padding: 15px; background: var(--iv-green); color: #fff; font-family: 'Montserrat','Inter',sans-serif; font-size: 1.05rem; font-weight: 800; border: none; border-radius: 10px; cursor: pointer; letter-spacing: 0.04em; transition: all 0.2s; display: flex; align-items: center; justify-content: center; gap: 8px; }
.iv-calc-btn:hover { background: #006644; transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,135,90,0.3); }
.iv-reset-btn { width: 100%; padding: 10px; background: transparent; color: var(--iv-gray); font-size: 0.78rem; font-weight: 600; border: 1.5px solid var(--iv-border); border-radius: 10px; cursor: pointer; margin-top: 8px; transition: all 0.2s; }
.iv-reset-btn:hover { border-color: var(--iv-red); color: var(--iv-red); }
.iv-err { background: #FFF5F7; border: 1.5px solid var(--iv-red); border-radius: 10px; padding: 10px 14px; margin-bottom: 12px; font-size: 0.82rem; color: var(--iv-red); display: none; gap: 8px; align-items: center; }
.iv-err.show { display: flex; }
.iv-disc { font-size: 0.68rem; color: var(--iv-gray); line-height: 1.55; text-align: center; margin-top: 14px; padding-top: 14px; border-top: 1px solid var(--iv-border); }

/* ---- RESULTS AREA ---- */
.iv-results-area { display: none; }
.iv-results-area.show { display: block; }
.iv-empty { text-align: center; padding: 40px 20px; color: var(--iv-gray); }
.iv-empty-icon { font-size: 2.8rem; display: block; margin-bottom: 12px; opacity: 0.3; }

/* ---- WINNER ALERT ---- */
.iv-winner {
  border-radius: 16px; padding: 22px 24px; margin-bottom: 24px;
  display: flex; align-items: center; gap: 18px; position: relative; overflow: hidden;
}
.iv-winner::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px); background-size: 32px 32px; pointer-events:none; }
.iv-winner.install-wins { background: linear-gradient(135deg, #001030, #002868); }
.iv-winner.revolve-wins { background: linear-gradient(135deg, #4a0010, var(--iv-red)); }
.iv-winner.tie         { background: linear-gradient(135deg, #065f46, var(--iv-green)); }
.iv-winner-trophy { font-size: 2.8rem; flex-shrink: 0; position: relative; z-index: 1; }
.iv-winner-text { flex: 1; position: relative; z-index: 1; }
.iv-winner-eyebrow { font-size: 0.67rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.55); margin-bottom: 5px; }
.iv-winner-headline { font-family: 'Montserrat','Inter',sans-serif; font-size: clamp(1.1rem, 2.5vw, 1.5rem); font-weight: 900; color: #fff; line-height: 1.2; margin-bottom: 5px; }
.iv-winner-sub { font-size: 0.8rem; color: rgba(255,255,255,0.7); line-height: 1.5; }
.iv-winner-saving { font-family: 'Montserrat','Inter',sans-serif; font-size: 2rem; font-weight: 900; color: #4ade80; position: relative; z-index: 1; text-align: right; flex-shrink: 0; }
.iv-winner-saving small { display: block; font-size: 0.68rem; font-weight: 600; color: rgba(255,255,255,0.55); text-align: center; margin-top: 2px; }

/* ---- COMPARISON TABLE ---- */
.iv-compare-wrap { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; overflow: hidden; margin-bottom: 24px; }
.iv-compare-head { background: var(--iv-bg); border-bottom: 1px solid var(--iv-border); }
.iv-compare-head-row { display: grid; grid-template-columns: 1.8fr 1fr 1fr; }
.iv-ch-cell { padding: 12px 14px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; }
.iv-ch-cell.a { background: var(--iv-install); color: #fff; text-align: center; }
.iv-ch-cell.b { background: var(--iv-revolve); color: #fff; text-align: center; }
.iv-cmp-row { display: grid; grid-template-columns: 1.8fr 1fr 1fr; border-bottom: 1px solid var(--iv-bg); }
.iv-cmp-row.alt { background: var(--iv-bg); }
.iv-cmp-row.winner-row { background: #F0FBF6; }
.iv-cmp-row.total-row { background: var(--iv-charcoal); }
.iv-cmp-row.total-row .iv-cmp-cell { color: #fff; font-weight: 800; }
.iv-cmp-cell { padding: 10px 14px; font-size: 0.83rem; color: var(--iv-charcoal); font-weight: 500; display: flex; align-items: center; }
.iv-cmp-cell.label { font-weight: 600; }
.iv-cmp-cell.center { justify-content: center; text-align: center; }
.iv-cmp-cell.win { color: var(--iv-green); font-weight: 800; }
.iv-cmp-cell.lose { color: var(--iv-red); }
.iv-win-badge { display: inline-block; background: var(--iv-green); color: #fff; font-size: 0.58rem; font-weight: 700; padding: 1px 6px; border-radius: 10px; margin-left: 5px; vertical-align: middle; }

/* ---- CASH FLOW COMPARISON ---- */
.iv-cashflow { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; padding: 18px; margin-bottom: 24px; }
.iv-cashflow-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--iv-blue); margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.iv-cf-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.iv-cf-block { border-radius: 12px; padding: 14px; text-align: center; }
.iv-cf-block.install { background: rgba(0,40,104,0.06); border: 1px solid rgba(0,40,104,0.15); }
.iv-cf-block.revolve { background: rgba(191,10,48,0.06); border: 1px solid rgba(191,10,48,0.15); }
.iv-cf-label { font-size: 0.65rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; margin-bottom: 6px; }
.iv-cf-block.install .iv-cf-label { color: var(--iv-install); }
.iv-cf-block.revolve .iv-cf-label { color: var(--iv-revolve); }
.iv-cf-pmt { font-family: 'Montserrat','Inter',sans-serif; font-size: 1.6rem; font-weight: 900; }
.iv-cf-block.install .iv-cf-pmt { color: var(--iv-install); }
.iv-cf-block.revolve .iv-cf-pmt { color: var(--iv-revolve); }
.iv-cf-sub { font-size: 0.71rem; color: var(--iv-gray); margin-top: 3px; line-height: 1.4; }
.iv-cash-trap { background: #FFF5F7; border: 1.5px solid rgba(191,10,48,0.25); border-radius: 10px; padding: 10px 14px; font-size: 0.8rem; line-height: 1.55; color: var(--iv-charcoal); margin-top: 12px; display: none; }
.iv-cash-trap strong { color: var(--iv-red); }
.iv-cash-trap.show { display: block; }

/* ---- CREDIT UTILIZATION WARNING ---- */
.iv-util-panel { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; padding: 18px; margin-bottom: 24px; }
.iv-util-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--iv-purple); margin-bottom: 12px; }
.iv-util-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.iv-util-block { background: var(--iv-bg); border-radius: 10px; padding: 12px; }
.iv-util-block-label { font-size: 0.66rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--iv-gray); margin-bottom: 6px; }
.iv-util-bar-wrap { background: var(--iv-border); border-radius: 6px; height: 18px; overflow: hidden; margin-bottom: 6px; }
.iv-util-bar { height: 100%; border-radius: 6px; transition: width 0.6s; display: flex; align-items: center; justify-content: flex-end; padding-right: 6px; }
.iv-util-bar-val { font-size: 0.68rem; font-weight: 800; color: #fff; }
.iv-util-note { font-size: 0.72rem; color: var(--iv-gray); line-height: 1.4; }
.iv-util-score-impact { display: flex; align-items: center; gap: 10px; background: var(--iv-bg); border-radius: 10px; padding: 10px 14px; font-size: 0.8rem; }
.iv-util-score-impact .icon { font-size: 1.3rem; flex-shrink: 0; }

/* ---- BUSINESS TAX PANEL ---- */
.iv-tax-panel { background: var(--iv-white); border: 1px solid rgba(124,58,237,0.2); border-radius: 16px; padding: 18px; margin-bottom: 24px; display: none; }
.iv-tax-panel.show { display: block; }
.iv-tax-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--iv-purple); margin-bottom: 10px; }
.iv-tax-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.iv-tax-block { background: var(--iv-bg); border-radius: 9px; padding: 10px 12px; }
.iv-tax-block-label { font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--iv-gray); margin-bottom: 4px; }
.iv-tax-row { display: flex; justify-content: space-between; font-size: 0.8rem; padding: 4px 0; border-bottom: 1px solid var(--iv-border); }
.iv-tax-row:last-child { border-bottom: none; }

/* ---- CHARTS ---- */
.iv-charts-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 24px; }
.iv-chart-wrap { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; padding: 18px; }
.iv-chart-title { font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--iv-blue); margin-bottom: 12px; }

/* ---- AMORT TABLE ---- */
.iv-amort-wrap { background: var(--iv-white); border: 1px solid var(--iv-border); border-radius: 16px; overflow: hidden; margin-bottom: 24px; }
.iv-amort-head { background: var(--iv-bg); padding: 12px 16px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.07em; text-transform: uppercase; color: var(--iv-blue); border-bottom: 1px solid var(--iv-border); display: flex; justify-content: space-between; align-items: center; }
.iv-amort-toggle { font-size: 0.7rem; font-weight: 600; color: var(--iv-blue); cursor: pointer; text-decoration: underline; }
.iv-amort-tbl { width: 100%; border-collapse: collapse; font-size: 0.75rem; }
.iv-amort-tbl thead tr { background: var(--iv-charcoal); }
.iv-amort-tbl thead th { padding: 7px 8px; color: #fff; font-size: 0.65rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; text-align: right; }
.iv-amort-tbl thead th:first-child { text-align: left; }
.iv-amort-tbl thead th.a-col { background: var(--iv-install); }
.iv-amort-tbl thead th.b-col { background: var(--iv-revolve); }
.iv-amort-tbl tbody tr:nth-child(even) { background: var(--iv-bg); }
.iv-amort-tbl tbody td { padding: 6px 8px; text-align: right; color: var(--iv-charcoal); font-size: 0.74rem; }
.iv-amort-tbl tbody td:first-child { text-align: left; font-weight: 600; }
.iv-amort-tbl tbody td.a-int { color: var(--iv-install); font-weight: 600; }
.iv-amort-tbl tbody td.b-int { color: var(--iv-revolve); font-weight: 600; }
.iv-amort-tbl tfoot td { padding: 8px; background: var(--iv-charcoal); color: #fff; text-align: right; font-weight: 800; font-family: 'Montserrat','Inter',sans-serif; }
.iv-amort-tbl tfoot td:first-child { text-align: left; }

/* ---- ACTIONS ---- */
.iv-action-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.iv-pdf-btn,.iv-wa-btn { padding: 12px; border: none; border-radius: 10px; font-family: 'Montserrat','Inter',sans-serif; font-size: 0.8rem; font-weight: 700; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 7px; transition: all 0.2s; }
.iv-pdf-btn { background: var(--iv-red); color: #fff; }
.iv-pdf-btn:hover { background: #9b0826; transform: translateY(-1px); }
.iv-wa-btn { background: #25D366; color: #fff; }
.iv-wa-btn:hover { background: #128C7E; transform: translateY(-1px); }

/* ---- RESPONSIVE ---- */
@media (max-width: 960px) { .iv-grid { grid-template-columns: 1fr; } .iv-charts-grid { grid-template-columns: 1fr; } }
@media (max-width: 768px) { .iv-r2 { grid-template-columns: 1fr; } .iv-action-row { grid-template-columns: 1fr; } .iv-cf-grid,.iv-util-grid,.iv-tax-grid { grid-template-columns: 1fr; } .iv-header { padding: 28px 18px 22px; } .iv-compare-head-row,.iv-cmp-row { grid-template-columns: 1.4fr 1fr 1fr; } .iv-winner { flex-direction: column; text-align: center; } .iv-winner-saving { text-align: center; } }
@media (max-width: 480px) { .iv-scenario-bar { grid-template-columns: 1fr; } .iv-cmp-cell { font-size: 0.76rem; padding: 8px 10px; } }
/* ═══════════════════════════════════════════════════
   HOW TO USE SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-htu {
  margin-top: 56px; /* 👈 This gives it the perfect breathing room */
  /* ... your other properties like background, padding, etc. ... */
}
@media (max-width: 768px) {
  .iv-htu {
    margin-top: 32px; 
  }
}

/* ---- SECTION HEADER ---- */
.iv-howto-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-howto-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(0,135,90,0.12) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 50%, rgba(191,10,48,0.08) 0%, transparent 55%);
  pointer-events: none;
}
.iv-howto-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-howto-icon {
  font-size: 2.6rem;
  display: block;
  margin-bottom: 10px;
  position: relative;
  z-index: 1;
}
.iv-howto-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative;
  z-index: 1;
}
.iv-howto-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 780px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative;
  z-index: 1;
}
.iv-howto-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  position: relative;
  z-index: 1;
}
.iv-howto-pill {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem;
  font-weight: 600;
  padding: 4px 11px;
  border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- TIME & DIFFICULTY BAR ---- */
.iv-howto-meta {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.iv-howto-meta-item {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
  padding: 10px 18px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-howto-meta-icon {
  font-size: 1.2rem;
}
.iv-howto-meta-label {
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--iv-gray, #5F6368);
}
.iv-howto-meta-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 800;
  color: var(--iv-green, #00875A);
}

/* ---- STEPS TIMELINE ---- */
.iv-steps-timeline {
  position: relative;
  padding-left: 42px;
}
.iv-steps-timeline::before {
  content: '';
  position: absolute;
  left: 19px;
  top: 30px;
  bottom: 30px;
  width: 3px;
  background: linear-gradient(to bottom, var(--iv-install, #002868), var(--iv-green, #00875A), var(--iv-revolve, #BF0A30), #7C3AED, var(--iv-green, #00875A), var(--iv-install, #002868));
  border-radius: 3px;
}

/* ---- STEP CARD ---- */
.iv-step-card {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 24px 24px 20px;
  margin-bottom: 20px;
  position: relative;
  transition: all 0.25s ease;
}
.iv-step-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,0.10);
  transform: translateY(-2px);
}
.iv-step-card:last-child {
  margin-bottom: 0;
}

/* Step number circle */
.iv-step-num {
  position: absolute;
  left: -42px;
  top: 22px;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  box-shadow: 0 3px 10px rgba(0,40,104,0.25);
  border: 3px solid var(--iv-white, #fff);
  z-index: 1;
}
.iv-step-num.blue { background: var(--iv-install, #002868); }
.iv-step-num.green { background: var(--iv-green, #00875A); }
.iv-step-num.red { background: var(--iv-revolve, #BF0A30); }
.iv-step-num.purple { background: #7C3AED; }
.iv-step-num.teal { background: #0891B2; }

/* Step eyebrow */
.iv-step-eyebrow {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.iv-step-eyebrow.blue { color: var(--iv-install, #002868); }
.iv-step-eyebrow.green { color: var(--iv-green, #00875A); }
.iv-step-eyebrow.red { color: var(--iv-revolve, #BF0A30); }
.iv-step-eyebrow.purple { color: #7C3AED; }
.iv-step-eyebrow.teal { color: #0891B2; }

/* Step title */
.iv-step-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 8px;
  line-height: 1.3;
}

/* Step description */
.iv-step-desc {
  font-size: 0.88rem;
  line-height: 1.7;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 14px;
}
.iv-step-desc:last-child { margin-bottom: 0; }

/* Input fields visual list */
.iv-step-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  margin-bottom: 12px;
}
.iv-step-field-item {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--iv-bg, #F7F9FC);
  border-radius: 8px;
  padding: 8px 12px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--iv-charcoal, #1D1D1F);
  border-left: 3px solid var(--iv-border, #E0E4E8);
  transition: all 0.2s;
}
.iv-step-field-item:hover {
  transform: translateX(3px);
}
.iv-step-field-item.blue { border-left-color: var(--iv-install, #002868); }
.iv-step-field-item.red { border-left-color: var(--iv-revolve, #BF0A30); }
.iv-step-field-item.green { border-left-color: var(--iv-green, #00875A); }
.iv-step-field-item.purple { border-left-color: #7C3AED; }
.iv-step-field-item .fi-icon {
  font-size: 1rem;
  flex-shrink: 0;
}
.iv-step-field-item .fi-label {
  font-weight: 500;
  color: var(--iv-gray, #5F6368);
  font-size: 0.72rem;
}

/* Pro tip inside step */
.iv-step-tip {
  background: #EFF6FF;
  border: 1px solid rgba(2,132,199,0.25);
  border-radius: 10px;
  padding: 10px 14px;
  font-size: 0.78rem;
  line-height: 1.55;
  color: #1E40AF;
  display: flex;
  gap: 8px;
  align-items: flex-start;
  margin-top: 8px;
}
.iv-step-tip.green {
  background: #F0FBF6;
  border-color: rgba(0,135,90,0.25);
  color: #065F46;
}
.iv-step-tip.red {
  background: #FFF5F7;
  border-color: rgba(191,10,48,0.25);
  color: #9B1C1C;
}
.iv-step-tip.purple {
  background: #F5F3FF;
  border-color: rgba(124,58,237,0.25);
  color: #5B21B6;
}
.iv-step-tip .tip-icon {
  font-size: 1rem;
  flex-shrink: 0;
  line-height: 1.55;
}

/* Visual mock inside step */
.iv-step-visual {
  background: var(--iv-bg, #F7F9FC);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 10px;
  padding: 14px;
  margin-top: 10px;
}
.iv-step-visual-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 8px;
}

/* Mini comparison preview */
.iv-mini-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.iv-mini-block {
  border-radius: 10px;
  padding: 10px 12px;
  text-align: center;
}
.iv-mini-block.install {
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.15);
}
.iv-mini-block.revolve {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.15);
}
.iv-mini-block-label {
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.iv-mini-block.install .iv-mini-block-label { color: var(--iv-install, #002868); }
.iv-mini-block.revolve .iv-mini-block-label { color: var(--iv-revolve, #BF0A30); }
.iv-mini-block-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 900;
}
.iv-mini-block.install .iv-mini-block-val { color: var(--iv-install, #002868); }
.iv-mini-block.revolve .iv-mini-block-val { color: var(--iv-revolve, #BF0A30); }
.iv-mini-block-sub {
  font-size: 0.66rem;
  color: var(--iv-gray, #5F6368);
  margin-top: 2px;
}

/* Winner mini badge */
.iv-mini-winner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #F0FBF6;
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 10px;
  padding: 8px;
  margin-top: 8px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
}

/* Output items preview */
.iv-output-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 6px;
}
.iv-output-item {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 8px;
  padding: 8px;
  text-align: center;
}
.iv-output-item-icon {
  font-size: 1.2rem;
  margin-bottom: 2px;
}
.iv-output-item-label {
  font-size: 0.63rem;
  font-weight: 600;
  color: var(--iv-gray, #5F6368);
  line-height: 1.3;
}

/* ---- QUICK-START EXAMPLE ---- */
.iv-quickstart {
  background: var(--iv-white, #fff);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 24px;
  margin-top: 28px;
}
.iv-quickstart-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--iv-green, #00875A);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-qs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.iv-qs-block {
  border-radius: 12px;
  padding: 14px 16px;
}
.iv-qs-block.install {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
}
.iv-qs-block.revolve {
  background: rgba(191,10,48,0.05);
  border: 1px solid rgba(191,10,48,0.12);
}
.iv-qs-block-head {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.iv-qs-block.install .iv-qs-block-head { color: var(--iv-install, #002868); }
.iv-qs-block.revolve .iv-qs-block-head { color: var(--iv-revolve, #BF0A30); }
.iv-qs-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  padding: 4px 0;
  border-bottom: 1px solid rgba(224,228,232,0.5);
}
.iv-qs-row:last-child { border-bottom: none; }
.iv-qs-label { color: var(--iv-gray, #5F6368); font-weight: 500; }
.iv-qs-val { font-weight: 700; color: var(--iv-charcoal, #1D1D1F); font-family: 'Montserrat', 'Inter', sans-serif; }

.iv-qs-result {
  background: linear-gradient(135deg, #F0FBF6, #E6F7EF);
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 12px;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.iv-qs-result-icon { font-size: 1.8rem; flex-shrink: 0; }
.iv-qs-result-text { flex: 1; }
.iv-qs-result-headline {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
  margin-bottom: 2px;
}
.iv-qs-result-sub {
  font-size: 0.78rem;
  color: var(--iv-gray, #5F6368);
  line-height: 1.5;
}
.iv-qs-result-saving {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--iv-green, #00875A);
  flex-shrink: 0;
}

/* ---- SCROLL CTA ---- */
.iv-howto-cta {
  text-align: center;
  margin-top: 28px;
}
.iv-howto-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-green, #00875A);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
}
.iv-howto-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.3);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 960px) {
  .iv-step-fields { grid-template-columns: 1fr 1fr; }
  .iv-output-grid { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 768px) {
  .iv-howto-header { padding: 28px 18px 22px; }
  .iv-howto-meta { gap: 10px; }
  .iv-howto-meta-item { padding: 8px 14px; font-size: 0.78rem; }
  .iv-steps-timeline { padding-left: 0; }
  .iv-steps-timeline::before { display: none; }
  .iv-step-num {
    position: relative;
    left: auto;
    top: auto;
    margin-bottom: 12px;
    width: 42px;
    height: 42px;
  }
  .iv-step-card { padding: 20px 18px 18px; }
  .iv-step-fields { grid-template-columns: 1fr; }
  .iv-output-grid { grid-template-columns: 1fr 1fr; }
  .iv-mini-compare { grid-template-columns: 1fr 1fr; }
  .iv-qs-grid { grid-template-columns: 1fr; }
  .iv-qs-result { flex-direction: column; text-align: center; }
  .iv-qs-result-saving { margin-top: 4px; }
}
@media (max-width: 480px) {
  .iv-howto-h2 { font-size: 1.2rem !important; }
  .iv-howto-meta { flex-direction: column; align-items: center; }
  .iv-step-title { font-size: 0.95rem; }
  .iv-step-desc { font-size: 0.82rem; }
  .iv-output-grid { grid-template-columns: 1fr 1fr; }
  .iv-mini-compare { grid-template-columns: 1fr; }
  .iv-quickstart { padding: 18px 14px; }
}
/* ═══════════════════════════════════════════════════
   EDUCATIONAL EXPLAINER SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-explainer {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.iv-exp-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-exp-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(0,135,90,0.12) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 50%, rgba(191,10,48,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.iv-exp-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-exp-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-exp-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-exp-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.iv-exp-pills {
  display: flex; flex-wrap: wrap; gap: 8px; justify-content: center;
  position: relative; z-index: 1;
}
.iv-exp-pill {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- INTRO PARAGRAPH ---- */
.iv-exp-intro {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 24px;
  font-size: 0.92rem;
  line-height: 1.8;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-exp-intro p { margin-bottom: 14px; }
.iv-exp-intro p:last-child { margin-bottom: 0; }
.iv-exp-intro strong { color: var(--iv-charcoal, #1D1D1F); }

/* ---- SIDE-BY-SIDE PANELS ---- */
.iv-exp-duo {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}
.iv-exp-panel {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 24px;
  position: relative;
  overflow: hidden;
}
.iv-exp-panel.install { border-top: 4px solid var(--iv-install, #002868); }
.iv-exp-panel.revolve { border-top: 4px solid var(--iv-revolve, #BF0A30); }

/* Panel Header */
.iv-exp-panel-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.iv-exp-panel-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  flex-shrink: 0;
}
.iv-exp-panel.install .iv-exp-panel-icon {
  background: rgba(0,40,104,0.08);
}
.iv-exp-panel.revolve .iv-exp-panel-icon {
  background: rgba(191,10,48,0.08);
}
.iv-exp-panel-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  line-height: 1.25;
}
.iv-exp-panel.install .iv-exp-panel-title { color: var(--iv-install, #002868); }
.iv-exp-panel.revolve .iv-exp-panel-title { color: var(--iv-revolve, #BF0A30); }
.iv-exp-panel-tag {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-top: 2px;
}
.iv-exp-panel.install .iv-exp-panel-tag { color: var(--iv-gray, #5F6368); }
.iv-exp-panel.revolve .iv-exp-panel-tag { color: var(--iv-gray, #5F6368); }

/* Panel Description */
.iv-exp-panel-desc {
  font-size: 0.86rem;
  line-height: 1.75;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 16px;
}

/* Key Characteristics List */
.iv-exp-chars {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
}
.iv-exp-chars li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--iv-bg, #F7F9FC);
  font-size: 0.82rem;
  line-height: 1.55;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-exp-chars li:last-child { border-bottom: none; }
.iv-exp-chars .char-icon {
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.iv-exp-chars .char-text strong {
  font-weight: 700;
}

/* Examples List */
.iv-exp-examples-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 8px;
}
.iv-exp-examples {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.iv-exp-example-tag {
  font-size: 0.72rem;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 8px;
  line-height: 1.3;
}
.iv-exp-panel.install .iv-exp-example-tag {
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.12);
  color: var(--iv-install, #002868);
}
.iv-exp-panel.revolve .iv-exp-example-tag {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.12);
  color: var(--iv-revolve, #BF0A30);
}

/* ---- COMPARISON TABLE ---- */
.iv-exp-table-wrap {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 24px;
}
.iv-exp-table-header {
  background: var(--iv-bg, #F7F9FC);
  padding: 14px 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--iv-install, #002868);
  border-bottom: 1px solid var(--iv-border, #E0E4E8);
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-exp-tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}
.iv-exp-tbl thead tr {
  background: var(--iv-charcoal, #1D1D1F);
}
.iv-exp-tbl thead th {
  padding: 10px 14px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.67rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: left;
  color: #fff;
}
.iv-exp-tbl thead th.col-a { background: var(--iv-install, #002868); text-align: center; }
.iv-exp-tbl thead th.col-b { background: var(--iv-revolve, #BF0A30); text-align: center; }
.iv-exp-tbl tbody tr { border-bottom: 1px solid var(--iv-bg, #F7F9FC); }
.iv-exp-tbl tbody tr:nth-child(even) { background: var(--iv-bg, #F7F9FC); }
.iv-exp-tbl tbody td {
  padding: 10px 14px;
  color: var(--iv-charcoal, #1D1D1F);
  vertical-align: top;
  line-height: 1.55;
}
.iv-exp-tbl tbody td.label-cell {
  font-weight: 600;
  min-width: 140px;
}
.iv-exp-tbl tbody td.a-cell { text-align: center; color: var(--iv-install, #002868); font-weight: 600; }
.iv-exp-tbl tbody td.b-cell { text-align: center; color: var(--iv-revolve, #BF0A30); font-weight: 600; }

/* ---- CREDIT SCORE IMPACT ---- */
.iv-exp-credit {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 24px;
}
.iv-exp-credit-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #7C3AED;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-exp-fico-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1fr 1fr;
  gap: 8px;
  margin-bottom: 18px;
}
.iv-exp-fico-item {
  border-radius: 10px;
  padding: 10px 8px;
  text-align: center;
  border: 1.5px solid transparent;
}
.iv-exp-fico-item.highlight {
  border-color: #7C3AED;
  box-shadow: 0 2px 8px rgba(124,58,237,0.15);
}
.iv-exp-fico-pct {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.3rem;
  font-weight: 900;
  margin-bottom: 2px;
}
.iv-exp-fico-label {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--iv-gray, #5F6368);
  line-height: 1.3;
}
.iv-exp-fico-note {
  font-size: 0.66rem;
  font-weight: 600;
  margin-top: 3px;
}
.iv-fico-blue { background: rgba(0,40,104,0.06); }
.iv-fico-blue .iv-exp-fico-pct { color: var(--iv-install, #002868); }
.iv-fico-blue .iv-exp-fico-note { color: var(--iv-install, #002868); }
.iv-fico-red { background: rgba(191,10,48,0.06); }
.iv-fico-red .iv-exp-fico-pct { color: var(--iv-revolve, #BF0A30); }
.iv-fico-red .iv-exp-fico-note { color: var(--iv-revolve, #BF0A30); }
.iv-fico-green { background: rgba(0,135,90,0.06); }
.iv-fico-green .iv-exp-fico-pct { color: var(--iv-green, #00875A); }
.iv-fico-green .iv-exp-fico-note { color: var(--iv-green, #00875A); }
.iv-fico-amber { background: rgba(217,119,6,0.06); }
.iv-fico-amber .iv-exp-fico-pct { color: var(--iv-amber, #D97706); }
.iv-fico-amber .iv-exp-fico-note { color: var(--iv-amber, #D97706); }
.iv-fico-purple { background: rgba(124,58,237,0.06); }
.iv-fico-purple .iv-exp-fico-pct { color: #7C3AED; }
.iv-fico-purple .iv-exp-fico-note { color: #7C3AED; }

/* Credit impact duo */
.iv-exp-credit-duo {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.iv-exp-credit-block {
  border-radius: 12px;
  padding: 14px 16px;
}
.iv-exp-credit-block.install {
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
}
.iv-exp-credit-block.revolve {
  background: rgba(191,10,48,0.05);
  border: 1px solid rgba(191,10,48,0.12);
}
.iv-exp-credit-block-head {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.66rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.iv-exp-credit-block.install .iv-exp-credit-block-head { color: var(--iv-install, #002868); }
.iv-exp-credit-block.revolve .iv-exp-credit-block-head { color: var(--iv-revolve, #BF0A30); }
.iv-exp-credit-point {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.8rem;
  line-height: 1.55;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 6px;
}
.iv-exp-credit-point:last-child { margin-bottom: 0; }
.iv-exp-credit-point .cp-icon { flex-shrink: 0; font-size: 0.9rem; margin-top: 1px; }

/* ---- WHEN TO CHOOSE ---- */
.iv-exp-choose {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 24px;
}
.iv-exp-choose-panel {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  padding: 22px;
}
.iv-exp-choose-panel.install { border-top: 4px solid var(--iv-install, #002868); }
.iv-exp-choose-panel.revolve { border-top: 4px solid var(--iv-revolve, #BF0A30); }

.iv-exp-choose-head {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-exp-choose-panel.install .iv-exp-choose-head { color: var(--iv-install, #002868); }
.iv-exp-choose-panel.revolve .iv-exp-choose-head { color: var(--iv-revolve, #BF0A30); }

.iv-exp-choose-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.iv-exp-choose-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 8px 0;
  font-size: 0.82rem;
  line-height: 1.6;
  color: var(--iv-charcoal, #1D1D1F);
  border-bottom: 1px solid var(--iv-bg, #F7F9FC);
}
.iv-exp-choose-list li:last-child { border-bottom: none; }
.iv-exp-choose-list .cl-icon { flex-shrink: 0; font-size: 0.95rem; margin-top: 2px; }

/* ---- DEBT TRAP WARNING ---- */
.iv-exp-trap {
  background: #FFF5F7;
  border: 1.5px solid rgba(191,10,48,0.3);
  border-radius: 16px;
  padding: 22px 24px;
  margin-bottom: 24px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.iv-exp-trap-icon {
  font-size: 2.2rem;
  flex-shrink: 0;
  line-height: 1;
}
.iv-exp-trap-content { flex: 1; }
.iv-exp-trap-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--iv-revolve, #BF0A30);
  margin-bottom: 6px;
}
.iv-exp-trap-text {
  font-size: 0.84rem;
  line-height: 1.7;
  color: #9B1C1C;
  margin-bottom: 10px;
}
.iv-exp-trap-text:last-child { margin-bottom: 0; }
.iv-exp-trap-math {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.15);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.8rem;
  line-height: 1.65;
  color: #7F1D1D;
}
.iv-exp-trap-math strong { color: var(--iv-revolve, #BF0A30); }

/* ---- BUSINESS SPOTLIGHT ---- */
.iv-exp-biz {
  background: var(--iv-white, #fff);
  border: 1px solid rgba(124,58,237,0.2);
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 24px;
}
.iv-exp-biz-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: #7C3AED;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-exp-biz-desc {
  font-size: 0.86rem;
  line-height: 1.75;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 14px;
}
.iv-exp-biz-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.iv-exp-biz-item {
  background: #F5F3FF;
  border: 1px solid rgba(124,58,237,0.15);
  border-radius: 10px;
  padding: 12px 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.iv-exp-biz-item-icon { font-size: 1.1rem; flex-shrink: 0; margin-top: 1px; }
.iv-exp-biz-item-text {
  font-size: 0.8rem;
  line-height: 1.55;
  color: #5B21B6;
}
.iv-exp-biz-item-text strong { font-weight: 700; display: block; margin-bottom: 2px; color: #4C1D95; }

/* ---- KEY TAKEAWAY BOX ---- */
.iv-exp-takeaway {
  background: #F0FBF6;
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 16px;
  padding: 22px 24px;
  margin-bottom: 24px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.iv-exp-takeaway-icon { font-size: 1.8rem; flex-shrink: 0; }
.iv-exp-takeaway-content { flex: 1; }
.iv-exp-takeaway-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
  margin-bottom: 6px;
}
.iv-exp-takeaway-text {
  font-size: 0.84rem;
  line-height: 1.7;
  color: #065F46;
}

/* ---- CTA ---- */
.iv-exp-cta {
  text-align: center;
  margin-top: 4px;
}
.iv-exp-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-green, #00875A);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
}
.iv-exp-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.3);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 960px) {
  .iv-exp-duo, .iv-exp-choose { grid-template-columns: 1fr 1fr; }
  .iv-exp-fico-grid { grid-template-columns: 1fr 1fr 1fr; gap: 6px; }
}
@media (max-width: 768px) {
  .iv-exp-header { padding: 28px 18px 22px; }
  .iv-exp-duo, .iv-exp-choose, .iv-exp-credit-duo, .iv-exp-biz-grid { grid-template-columns: 1fr; }
  .iv-exp-fico-grid { grid-template-columns: 1fr 1fr; }
  .iv-exp-panel, .iv-exp-choose-panel { padding: 20px 18px; }
  .iv-exp-trap { flex-direction: column; align-items: center; text-align: center; }
  .iv-exp-takeaway { flex-direction: column; align-items: center; text-align: center; }
  /* Mobile table scroll */
  .iv-exp-tbl-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .iv-exp-tbl { min-width: 560px; }
}
@media (max-width: 480px) {
  .iv-exp-h2 { font-size: 1.2rem !important; }
  .iv-exp-fico-grid { grid-template-columns: 1fr 1fr; }
  .iv-exp-fico-item { padding: 8px 6px; }
  .iv-exp-fico-pct { font-size: 1.1rem; }
  .iv-exp-intro { padding: 18px 14px; font-size: 0.86rem; }
  .iv-exp-panel-icon { width: 40px; height: 40px; font-size: 1.3rem; }
}
/* ═══════════════════════════════════════════════════
   5 REAL-WORLD SCENARIOS SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-scenarios {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.iv-sc-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-sc-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 20% 40%, rgba(191,10,48,0.12) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 60%, rgba(0,135,90,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.iv-sc-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-sc-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-sc-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-sc-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.iv-sc-pills {
  display: flex; flex-wrap: wrap; gap: 8px; justify-content: center;
  position: relative; z-index: 1;
}
.iv-sc-pill {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- SCENARIO CARD ---- */
.iv-sc-card {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 20px;
  transition: box-shadow 0.25s;
}
.iv-sc-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.07); }
.iv-sc-card:last-child { margin-bottom: 0; }

/* Card Header — color-coded per scenario */
.iv-sc-card-head {
  padding: 18px 22px 14px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
  position: relative;
}
.iv-sc-card-head::after {
  content: '';
  position: absolute;
  bottom: 0; left: 22px; right: 22px;
  height: 1px;
  background: var(--iv-border, #E0E4E8);
}

.iv-sc-num {
  width: 38px; height: 38px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 900;
  color: #fff;
  flex-shrink: 0;
}
.iv-sc-card-meta { flex: 1; min-width: 0; }
.iv-sc-card-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 3px;
}
.iv-sc-card-context {
  font-size: 0.76rem;
  color: var(--iv-gray, #5F6368);
  line-height: 1.5;
}
.iv-sc-card-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
  margin-top: 6px;
}
.iv-sc-tag {
  font-size: 0.63rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 6px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

/* Color themes per scenario */
.iv-sc-card.blue .iv-sc-num { background: var(--iv-install, #002868); }
.iv-sc-card.blue .iv-sc-card-title { color: var(--iv-install, #002868); }
.iv-sc-card.blue .iv-sc-tag { background: rgba(0,40,104,0.07); color: var(--iv-install, #002868); border: 1px solid rgba(0,40,104,0.15); }

.iv-sc-card.red .iv-sc-num { background: var(--iv-revolve, #BF0A30); }
.iv-sc-card.red .iv-sc-card-title { color: var(--iv-revolve, #BF0A30); }
.iv-sc-card.red .iv-sc-tag { background: rgba(191,10,48,0.07); color: var(--iv-revolve, #BF0A30); border: 1px solid rgba(191,10,48,0.15); }

.iv-sc-card.green .iv-sc-num { background: var(--iv-green, #00875A); }
.iv-sc-card.green .iv-sc-card-title { color: var(--iv-green, #00875A); }
.iv-sc-card.green .iv-sc-tag { background: rgba(0,135,90,0.07); color: var(--iv-green, #00875A); border: 1px solid rgba(0,135,90,0.15); }

.iv-sc-card.purple .iv-sc-num { background: #7C3AED; }
.iv-sc-card.purple .iv-sc-card-title { color: #7C3AED; }
.iv-sc-card.purple .iv-sc-tag { background: rgba(124,58,237,0.07); color: #7C3AED; border: 1px solid rgba(124,58,237,0.15); }

.iv-sc-card.amber .iv-sc-num { background: var(--iv-amber, #D97706); }
.iv-sc-card.amber .iv-sc-card-title { color: var(--iv-amber, #D97706); }
.iv-sc-card.amber .iv-sc-tag { background: rgba(217,119,6,0.07); color: var(--iv-amber, #D97706); border: 1px solid rgba(217,119,6,0.15); }

/* Card Body */
.iv-sc-card-body { padding: 18px 22px; }

.iv-sc-setup {
  font-size: 0.84rem;
  line-height: 1.7;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 16px;
}
.iv-sc-setup strong { font-weight: 700; }

/* Versus Grid — Installment vs Revolving side by side */
.iv-sc-vs {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 0;
  margin-bottom: 16px;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--iv-border, #E0E4E8);
}
.iv-sc-vs-col {
  padding: 14px 16px;
}
.iv-sc-vs-col.install-col {
  background: rgba(0,40,104,0.03);
}
.iv-sc-vs-col.revolve-col {
  background: rgba(191,10,48,0.03);
}
.iv-sc-vs-divider {
  width: 42px;
  background: var(--iv-bg, #F7F9FC);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 900;
  color: var(--iv-gray, #5F6368);
  border-left: 1px solid var(--iv-border, #E0E4E8);
  border-right: 1px solid var(--iv-border, #E0E4E8);
}

.iv-sc-vs-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.iv-sc-vs-col.install-col .iv-sc-vs-label { color: var(--iv-install, #002868); }
.iv-sc-vs-col.revolve-col .iv-sc-vs-label { color: var(--iv-revolve, #BF0A30); }

.iv-sc-vs-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  font-size: 0.78rem;
  border-bottom: 1px solid rgba(0,0,0,0.04);
}
.iv-sc-vs-row:last-child { border-bottom: none; }
.iv-sc-vs-row .vr-lbl { color: var(--iv-gray, #5F6368); }
.iv-sc-vs-row .vr-val { font-weight: 700; font-family: 'Montserrat', 'Inter', sans-serif; }
.iv-sc-vs-col.install-col .vr-val { color: var(--iv-install, #002868); }
.iv-sc-vs-col.revolve-col .vr-val { color: var(--iv-revolve, #BF0A30); }

/* Total row highlight */
.iv-sc-vs-total {
  margin-top: 8px;
  padding: 8px 10px;
  border-radius: 8px;
  text-align: center;
}
.iv-sc-vs-col.install-col .iv-sc-vs-total {
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.12);
}
.iv-sc-vs-col.revolve-col .iv-sc-vs-total {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.12);
}
.iv-sc-vs-total-label {
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 2px;
}
.iv-sc-vs-total-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 900;
}
.iv-sc-vs-col.install-col .iv-sc-vs-total-val { color: var(--iv-install, #002868); }
.iv-sc-vs-col.revolve-col .iv-sc-vs-total-val { color: var(--iv-revolve, #BF0A30); }

/* Verdict Banner */
.iv-sc-verdict {
  border-radius: 10px;
  padding: 12px 16px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 4px;
}
.iv-sc-verdict.install-wins {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.2);
}
.iv-sc-verdict.revolve-wins {
  background: rgba(0,135,90,0.05);
  border: 1.5px solid rgba(0,135,90,0.2);
}
.iv-sc-verdict.mixed {
  background: rgba(124,58,237,0.05);
  border: 1.5px solid rgba(124,58,237,0.2);
}
.iv-sc-verdict-icon { font-size: 1.6rem; flex-shrink: 0; line-height: 1; margin-top: 1px; }
.iv-sc-verdict-body { flex: 1; }
.iv-sc-verdict-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  margin-bottom: 3px;
}
.iv-sc-verdict.install-wins .iv-sc-verdict-title { color: var(--iv-install, #002868); }
.iv-sc-verdict.revolve-wins .iv-sc-verdict-title { color: var(--iv-green, #00875A); }
.iv-sc-verdict.mixed .iv-sc-verdict-title { color: #7C3AED; }
.iv-sc-verdict-text {
  font-size: 0.78rem;
  line-height: 1.6;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-sc-verdict-savings {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 900;
  font-size: 0.88rem;
  margin-top: 4px;
}
.iv-sc-verdict.install-wins .iv-sc-verdict-savings { color: var(--iv-install, #002868); }
.iv-sc-verdict.revolve-wins .iv-sc-verdict-savings { color: var(--iv-green, #00875A); }
.iv-sc-verdict.mixed .iv-sc-verdict-savings { color: #7C3AED; }

/* ---- BOTTOM INSIGHT BOX ---- */
.iv-sc-insight {
  background: #F0FBF6;
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 16px;
  padding: 20px 22px;
  margin-top: 24px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.iv-sc-insight-icon { font-size: 1.8rem; flex-shrink: 0; }
.iv-sc-insight-content { flex: 1; }
.iv-sc-insight-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
  margin-bottom: 5px;
}
.iv-sc-insight-text {
  font-size: 0.82rem;
  line-height: 1.7;
  color: #065F46;
}

/* ---- CTA ---- */
.iv-sc-cta {
  text-align: center;
  margin-top: 22px;
}
.iv-sc-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-green, #00875A);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
}
.iv-sc-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.3);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 960px) {
  .iv-sc-vs { grid-template-columns: 1fr auto 1fr; }
}
@media (max-width: 768px) {
  .iv-sc-header { padding: 28px 18px 22px; }
  .iv-sc-vs { grid-template-columns: 1fr; }
  .iv-sc-vs-divider {
    width: 100%;
    height: 34px;
    border-left: none; border-right: none;
    border-top: 1px solid var(--iv-border, #E0E4E8);
    border-bottom: 1px solid var(--iv-border, #E0E4E8);
  }
  .iv-sc-card-body { padding: 16px 18px; }
  .iv-sc-card-head { padding: 14px 18px 12px; }
  .iv-sc-insight { flex-direction: column; align-items: center; text-align: center; }
}
@media (max-width: 480px) {
  .iv-sc-h2 { font-size: 1.2rem !important; }
  .iv-sc-num { width: 32px; height: 32px; font-size: 0.85rem; border-radius: 8px; }
  .iv-sc-card-title { font-size: 0.92rem; }
  .iv-sc-vs-total-val { font-size: 0.95rem; }
  .iv-sc-verdict { flex-direction: column; align-items: center; text-align: center; }
}
/* ═══════════════════════════════════════════════════
   STATE-BY-STATE TABLE SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-states {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.iv-st-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-st-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 40%, rgba(191,10,48,0.10) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 60%, rgba(0,135,90,0.12) 0%, transparent 55%);
  pointer-events: none;
}
.iv-st-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-st-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-st-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-st-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.iv-st-badges {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px;
  position: relative; z-index: 1;
}
.iv-st-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.68rem; font-weight: 700;
  padding: 5px 12px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- CONTROLS ROW ---- */
.iv-st-controls {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
  align-items: center;
}
.iv-st-search {
  flex: 1;
  min-width: 200px;
  padding: 10px 14px 10px 36px;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 10px;
  font-size: 0.82rem;
  font-family: inherit;
  color: var(--iv-charcoal, #1D1D1F);
  background: var(--iv-white, #fff) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235F6368' stroke-width='2'%3E%3Ccircle cx='11' cy='11' r='8'/%3E%3Cpath d='m21 21-4.3-4.3'/%3E%3C/svg%3E") no-repeat 12px center;
  outline: none;
  transition: border-color 0.2s;
}
.iv-st-search:focus { border-color: var(--iv-install, #002868); }
.iv-st-search::placeholder { color: var(--iv-gray, #5F6368); }

.iv-st-sort-group {
  display: flex;
  gap: 4px;
}
.iv-st-sort-btn {
  padding: 8px 14px;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  background: var(--iv-white, #fff);
  color: var(--iv-gray, #5F6368);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.02em;
}
.iv-st-sort-btn:hover { border-color: var(--iv-install, #002868); color: var(--iv-install, #002868); }
.iv-st-sort-btn.active { background: var(--iv-install, #002868); border-color: var(--iv-install, #002868); color: #fff; }

/* ---- LEGEND ---- */
.iv-st-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 14px;
  padding: 10px 14px;
  background: var(--iv-bg, #F7F9FC);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 10px;
  font-size: 0.72rem;
}
.iv-st-legend-item {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--iv-gray, #5F6368);
}
.iv-st-legend-dot {
  width: 10px; height: 10px;
  border-radius: 3px;
  flex-shrink: 0;
}
.iv-st-legend-dot.dot-low { background: var(--iv-green, #00875A); }
.iv-st-legend-dot.dot-mid { background: var(--iv-amber, #D97706); }
.iv-st-legend-dot.dot-high { background: var(--iv-revolve, #BF0A30); }
.iv-st-legend-dot.dot-var { background: #7C3AED; }
.iv-st-legend-dot.dot-none { background: var(--iv-gray, #5F6368); }

/* ---- TABLE WRAPPER ---- */
.iv-st-wrap {
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  background: var(--iv-white, #fff);
}
.iv-st-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

/* Scroll hint for mobile */
.iv-st-scroll-hint {
  display: none;
  text-align: center;
  padding: 8px;
  font-size: 0.72rem;
  color: var(--iv-gray, #5F6368);
  background: var(--iv-bg, #F7F9FC);
  border-bottom: 1px solid var(--iv-border, #E0E4E8);
}

/* ---- TABLE ---- */
.iv-st-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
  min-width: 820px;
}
.iv-st-table thead { background: var(--iv-charcoal, #1D1D1F); }
.iv-st-table thead th {
  padding: 12px 12px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  text-align: left;
  white-space: nowrap;
  cursor: pointer;
  user-select: none;
  position: relative;
  transition: background 0.15s;
}
.iv-st-table thead th:hover { background: #333; }
.iv-st-table thead th .sort-arrow { margin-left: 4px; font-size: 0.7rem; opacity: 0.5; }
.iv-st-table thead th.sorted .sort-arrow { opacity: 1; }

/* Sticky first column */
.iv-st-table th:first-child,
.iv-st-table td:first-child {
  position: sticky;
  left: 0;
  z-index: 2;
}
.iv-st-table thead th:first-child { z-index: 3; }
.iv-st-table td:first-child {
  background: inherit;
  font-weight: 700;
  color: var(--iv-charcoal, #1D1D1F);
}

.iv-st-table tbody tr {
  border-bottom: 1px solid var(--iv-border, #E0E4E8);
  transition: background 0.15s;
}
.iv-st-table tbody tr:nth-child(even) { background: var(--iv-bg, #F7F9FC); }
.iv-st-table tbody tr:hover { background: rgba(0,40,104,0.04); }
.iv-st-table tbody td {
  padding: 10px 12px;
  color: var(--iv-charcoal, #1D1D1F);
  vertical-align: top;
}

/* Rate badges */
.iv-st-rate {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-weight: 700;
  font-size: 0.8rem;
  padding: 3px 9px;
  border-radius: 6px;
}
.iv-st-rate.rate-low { background: rgba(0,135,90,0.08); color: var(--iv-green, #00875A); }
.iv-st-rate.rate-mid { background: rgba(217,119,6,0.08); color: var(--iv-amber, #D97706); }
.iv-st-rate.rate-high { background: rgba(191,10,48,0.08); color: var(--iv-revolve, #BF0A30); }

/* Usury badge */
.iv-st-usury {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 5px;
}
.iv-st-usury.u-strict { background: rgba(0,135,90,0.08); color: var(--iv-green, #00875A); }
.iv-st-usury.u-moderate { background: rgba(217,119,6,0.08); color: var(--iv-amber, #D97706); }
.iv-st-usury.u-high { background: rgba(191,10,48,0.08); color: var(--iv-revolve, #BF0A30); }
.iv-st-usury.u-variable { background: rgba(124,58,237,0.08); color: #7C3AED; }
.iv-st-usury.u-none { background: rgba(95,99,104,0.08); color: var(--iv-gray, #5F6368); }

/* Notes column */
.iv-st-note {
  font-size: 0.72rem;
  color: var(--iv-gray, #5F6368);
  line-height: 1.55;
  max-width: 260px;
}

/* ---- STATS FOOTER ---- */
.iv-st-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 22px;
}
.iv-st-stat-card {
  background: var(--iv-white, #fff);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
  padding: 16px;
  text-align: center;
}
.iv-st-stat-emoji { font-size: 1.5rem; margin-bottom: 6px; }
.iv-st-stat-val {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  line-height: 1.2;
}
.iv-st-stat-val.val-green { color: var(--iv-green, #00875A); }
.iv-st-stat-val.val-red { color: var(--iv-revolve, #BF0A30); }
.iv-st-stat-val.val-blue { color: var(--iv-install, #002868); }
.iv-st-stat-val.val-amber { color: var(--iv-amber, #D97706); }
.iv-st-stat-label {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--iv-gray, #5F6368);
  margin-top: 4px;
  line-height: 1.4;
}

/* ---- DISCLAIMER ---- */
.iv-st-disclaimer {
  margin-top: 18px;
  padding: 14px 16px;
  background: var(--iv-bg, #F7F9FC);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 10px;
  font-size: 0.72rem;
  color: var(--iv-gray, #5F6368);
  line-height: 1.65;
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.iv-st-disclaimer-icon { flex-shrink: 0; font-size: 1rem; }

/* ---- COUNTER ---- */
.iv-st-counter {
  text-align: center;
  font-size: 0.75rem;
  color: var(--iv-gray, #5F6368);
  margin-top: 10px;
  font-weight: 600;
}
.iv-st-counter strong { color: var(--iv-charcoal, #1D1D1F); }

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 900px) {
  .iv-st-stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .iv-st-header { padding: 28px 18px 22px; }
  .iv-st-scroll-hint { display: block; }
  .iv-st-controls { flex-direction: column; }
  .iv-st-search { min-width: 100%; }
  .iv-st-sort-group { width: 100%; }
  .iv-st-sort-btn { flex: 1; text-align: center; }
  .iv-st-legend { gap: 10px; font-size: 0.68rem; }
}
@media (max-width: 480px) {
  .iv-st-h2 { font-size: 1.2rem !important; }
  .iv-st-stats { grid-template-columns: 1fr 1fr; gap: 8px; }
  .iv-st-stat-card { padding: 12px 10px; }
  .iv-st-stat-val { font-size: 1.1rem; }
  .iv-st-stat-label { font-size: 0.64rem; }
  .iv-st-badge { font-size: 0.63rem; padding: 4px 10px; }
}
/* ═══════════════════════════════════════════════════
   5 PRO TIPS SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-protips {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.iv-pt-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-pt-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 25% 45%, rgba(124,58,237,0.14) 0%, transparent 55%),
    radial-gradient(ellipse at 75% 55%, rgba(0,135,90,0.12) 0%, transparent 55%);
  pointer-events: none;
}
.iv-pt-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-pt-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-pt-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-pt-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.iv-pt-pills {
  display: flex; flex-wrap: wrap; gap: 8px; justify-content: center;
  position: relative; z-index: 1;
}
.iv-pt-pill {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.7rem; font-weight: 600;
  padding: 4px 11px; border-radius: 20px;
  letter-spacing: 0.02em;
}

/* ---- TIP CARD ---- */
.iv-pt-card {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 20px;
}
.iv-pt-card:last-of-type { margin-bottom: 0; }

/* Card Top Band (color-coded) */
.iv-pt-band {
  padding: 16px 22px 14px;
  display: flex;
  align-items: center;
  gap: 14px;
}
.iv-pt-num {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 900;
  color: #fff;
  flex-shrink: 0;
  letter-spacing: 0.03em;
}
.iv-pt-band-text { flex: 1; min-width: 0; }
.iv-pt-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  line-height: 1.3;
  margin-bottom: 2px;
}
.iv-pt-subtitle {
  font-size: 0.74rem;
  color: var(--iv-gray, #5F6368);
  line-height: 1.4;
}

/* Color themes */
.iv-pt-card.blue .iv-pt-num { background: var(--iv-install, #002868); }
.iv-pt-card.blue .iv-pt-title { color: var(--iv-install, #002868); }
.iv-pt-card.green .iv-pt-num { background: var(--iv-green, #00875A); }
.iv-pt-card.green .iv-pt-title { color: var(--iv-green, #00875A); }
.iv-pt-card.red .iv-pt-num { background: var(--iv-revolve, #BF0A30); }
.iv-pt-card.red .iv-pt-title { color: var(--iv-revolve, #BF0A30); }
.iv-pt-card.purple .iv-pt-num { background: #7C3AED; }
.iv-pt-card.purple .iv-pt-title { color: #7C3AED; }
.iv-pt-card.amber .iv-pt-num { background: var(--iv-amber, #D97706); }
.iv-pt-card.amber .iv-pt-title { color: var(--iv-amber, #D97706); }

/* Card Body */
.iv-pt-body {
  padding: 0 22px 20px;
}

/* The WHY block */
.iv-pt-why {
  font-size: 0.86rem;
  line-height: 1.75;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 16px;
  padding-top: 2px;
}
.iv-pt-why strong { font-weight: 700; }

/* Strategy Grid — DO / DON'T or two-column layout */
.iv-pt-strat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}
.iv-pt-strat-box {
  border-radius: 12px;
  padding: 14px 16px;
}
.iv-pt-strat-box.do-box {
  background: rgba(0,135,90,0.05);
  border: 1.5px solid rgba(0,135,90,0.2);
}
.iv-pt-strat-box.dont-box {
  background: rgba(191,10,48,0.05);
  border: 1.5px solid rgba(191,10,48,0.2);
}
.iv-pt-strat-box.install-box {
  background: rgba(0,40,104,0.04);
  border: 1.5px solid rgba(0,40,104,0.15);
}
.iv-pt-strat-box.revolve-box {
  background: rgba(191,10,48,0.04);
  border: 1.5px solid rgba(191,10,48,0.15);
}
.iv-pt-strat-box.purple-box {
  background: rgba(124,58,237,0.04);
  border: 1.5px solid rgba(124,58,237,0.15);
}
.iv-pt-strat-box.amber-box {
  background: rgba(217,119,6,0.04);
  border: 1.5px solid rgba(217,119,6,0.15);
}
.iv-pt-strat-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.63rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.iv-pt-strat-box.do-box .iv-pt-strat-label { color: var(--iv-green, #00875A); }
.iv-pt-strat-box.dont-box .iv-pt-strat-label { color: var(--iv-revolve, #BF0A30); }
.iv-pt-strat-box.install-box .iv-pt-strat-label { color: var(--iv-install, #002868); }
.iv-pt-strat-box.revolve-box .iv-pt-strat-label { color: var(--iv-revolve, #BF0A30); }
.iv-pt-strat-box.purple-box .iv-pt-strat-label { color: #7C3AED; }
.iv-pt-strat-box.amber-box .iv-pt-strat-label { color: var(--iv-amber, #D97706); }

.iv-pt-strat-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.iv-pt-strat-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  padding: 5px 0;
  font-size: 0.8rem;
  line-height: 1.55;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-pt-strat-list .sl-icon { flex-shrink: 0; font-size: 0.9rem; margin-top: 1px; }

/* Expert Insight callout */
.iv-pt-insight {
  border-radius: 10px;
  padding: 12px 16px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 4px;
}
.iv-pt-insight.blue-insight {
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.15);
}
.iv-pt-insight.green-insight {
  background: rgba(0,135,90,0.04);
  border: 1px solid rgba(0,135,90,0.15);
}
.iv-pt-insight.red-insight {
  background: rgba(191,10,48,0.04);
  border: 1px solid rgba(191,10,48,0.15);
}
.iv-pt-insight.purple-insight {
  background: rgba(124,58,237,0.04);
  border: 1px solid rgba(124,58,237,0.15);
}
.iv-pt-insight.amber-insight {
  background: rgba(217,119,6,0.04);
  border: 1px solid rgba(217,119,6,0.15);
}

.iv-pt-insight-icon { font-size: 1.2rem; flex-shrink: 0; }
.iv-pt-insight-body { flex: 1; }
.iv-pt-insight-head {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 3px;
}
.iv-pt-insight.blue-insight .iv-pt-insight-head { color: var(--iv-install, #002868); }
.iv-pt-insight.green-insight .iv-pt-insight-head { color: var(--iv-green, #00875A); }
.iv-pt-insight.red-insight .iv-pt-insight-head { color: var(--iv-revolve, #BF0A30); }
.iv-pt-insight.purple-insight .iv-pt-insight-head { color: #7C3AED; }
.iv-pt-insight.amber-insight .iv-pt-insight-head { color: var(--iv-amber, #D97706); }
.iv-pt-insight-text {
  font-size: 0.78rem;
  line-height: 1.6;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-pt-insight-text strong { font-weight: 700; }

/* ---- QUICK DECISION MATRIX ---- */
.iv-pt-matrix {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-top: 24px;
  margin-bottom: 24px;
}
.iv-pt-matrix-head {
  background: var(--iv-bg, #F7F9FC);
  padding: 14px 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--iv-install, #002868);
  border-bottom: 1px solid var(--iv-border, #E0E4E8);
  display: flex;
  align-items: center;
  gap: 8px;
}
.iv-pt-mtbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
}
.iv-pt-mtbl thead tr { background: var(--iv-charcoal, #1D1D1F); }
.iv-pt-mtbl thead th {
  padding: 10px 14px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  text-align: left;
  color: #fff;
}
.iv-pt-mtbl thead th.th-rec { text-align: center; min-width: 140px; }
.iv-pt-mtbl tbody tr { border-bottom: 1px solid var(--iv-bg, #F7F9FC); }
.iv-pt-mtbl tbody tr:nth-child(even) { background: var(--iv-bg, #F7F9FC); }
.iv-pt-mtbl tbody td {
  padding: 10px 14px;
  color: var(--iv-charcoal, #1D1D1F);
  vertical-align: middle;
  line-height: 1.5;
}
.iv-pt-mtbl .sit-icon { margin-right: 6px; }

/* Recommendation badges */
.iv-pt-rec {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 8px;
  white-space: nowrap;
}
.iv-pt-rec.rec-install {
  background: rgba(0,40,104,0.08);
  color: var(--iv-install, #002868);
  border: 1px solid rgba(0,40,104,0.15);
}
.iv-pt-rec.rec-revolve {
  background: rgba(191,10,48,0.08);
  color: var(--iv-revolve, #BF0A30);
  border: 1px solid rgba(191,10,48,0.15);
}
.iv-pt-rec.rec-both {
  background: rgba(124,58,237,0.08);
  color: #7C3AED;
  border: 1px solid rgba(124,58,237,0.15);
}

/* ---- BOTTOM CTA ---- */
.iv-pt-bottom {
  background: #F0FBF6;
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 16px;
  padding: 20px 22px;
  margin-bottom: 4px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.iv-pt-bottom-icon { font-size: 1.8rem; flex-shrink: 0; }
.iv-pt-bottom-content { flex: 1; }
.iv-pt-bottom-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
  margin-bottom: 5px;
}
.iv-pt-bottom-text {
  font-size: 0.82rem;
  line-height: 1.7;
  color: #065F46;
}
.iv-pt-cta {
  text-align: center;
  margin-top: 22px;
}
.iv-pt-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-green, #00875A);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
}
.iv-pt-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.3);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 768px) {
  .iv-pt-header { padding: 28px 18px 22px; }
  .iv-pt-strat-grid { grid-template-columns: 1fr; }
  .iv-pt-body { padding: 0 18px 18px; }
  .iv-pt-band { padding: 14px 18px 12px; }
  .iv-pt-insight { flex-direction: column; }
  .iv-pt-bottom { flex-direction: column; align-items: center; text-align: center; }
  .iv-pt-mtbl-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .iv-pt-mtbl { min-width: 520px; }
}
@media (max-width: 480px) {
  .iv-pt-h2 { font-size: 1.2rem !important; }
  .iv-pt-num { width: 34px; height: 34px; font-size: 0.68rem; border-radius: 8px; }
  .iv-pt-title { font-size: 0.92rem; }
  .iv-pt-why { font-size: 0.82rem; }
}

/* ═══════════════════════════════════════════════════
   FAQ ACCORDION SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-faq {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SECTION HEADER ---- */
.iv-fq-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-fq-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 30% 45%, rgba(191,10,48,0.10) 0%, transparent 55%),
    radial-gradient(ellipse at 70% 55%, rgba(124,58,237,0.12) 0%, transparent 55%);
  pointer-events: none;
}
.iv-fq-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-fq-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-fq-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-fq-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto 18px;
  line-height: 1.65;
  position: relative; z-index: 1;
}
.iv-fq-count {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.88);
  font-size: 0.72rem; font-weight: 700;
  padding: 5px 14px; border-radius: 20px;
  letter-spacing: 0.02em;
  position: relative; z-index: 1;
}

/* ---- CATEGORY TABS ---- */
.iv-fq-cats {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}
.iv-fq-cat-btn {
  padding: 8px 16px;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  background: var(--iv-white, #fff);
  color: var(--iv-gray, #5F6368);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  border-radius: 10px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.02em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.iv-fq-cat-btn:hover { border-color: var(--iv-install, #002868); color: var(--iv-install, #002868); }
.iv-fq-cat-btn.active {
  background: var(--iv-install, #002868);
  border-color: var(--iv-install, #002868);
  color: #fff;
}
.iv-fq-cat-btn.active.cat-green { background: var(--iv-green, #00875A); border-color: var(--iv-green, #00875A); }
.iv-fq-cat-btn.active.cat-red { background: var(--iv-revolve, #BF0A30); border-color: var(--iv-revolve, #BF0A30); }
.iv-fq-cat-btn.active.cat-purple { background: #7C3AED; border-color: #7C3AED; }
.iv-fq-cat-btn.active.cat-amber { background: var(--iv-amber, #D97706); border-color: var(--iv-amber, #D97706); }

/* ---- ACCORDION CONTAINER ---- */
.iv-fq-group {
  margin-bottom: 10px;
}
.iv-fq-group-label {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 6px 0;
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.iv-fq-group-label.blue-label { color: var(--iv-install, #002868); }
.iv-fq-group-label.green-label { color: var(--iv-green, #00875A); }
.iv-fq-group-label.red-label { color: var(--iv-revolve, #BF0A30); }
.iv-fq-group-label.purple-label { color: #7C3AED; }
.iv-fq-group-label.amber-label { color: var(--iv-amber, #D97706); }

/* ---- ACCORDION ITEM ---- */
.iv-fq-item {
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
  margin-bottom: 8px;
  overflow: hidden;
  transition: box-shadow 0.25s, border-color 0.25s;
}
.iv-fq-item:hover { border-color: rgba(0,40,104,0.25); }
.iv-fq-item.open { border-color: rgba(0,40,104,0.3); box-shadow: 0 4px 16px rgba(0,40,104,0.06); }

/* Color variants for open state */
.iv-fq-item.green-item.open { border-color: rgba(0,135,90,0.3); box-shadow: 0 4px 16px rgba(0,135,90,0.06); }
.iv-fq-item.red-item.open { border-color: rgba(191,10,48,0.3); box-shadow: 0 4px 16px rgba(191,10,48,0.06); }
.iv-fq-item.purple-item.open { border-color: rgba(124,58,237,0.3); box-shadow: 0 4px 16px rgba(124,58,237,0.06); }
.iv-fq-item.amber-item.open { border-color: rgba(217,119,6,0.3); box-shadow: 0 4px 16px rgba(217,119,6,0.06); }

/* Question (trigger) */
.iv-fq-q {
  width: 100%;
  padding: 14px 18px;
  background: transparent;
  border: none;
  cursor: pointer;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  text-align: left;
  font-family: inherit;
  transition: background 0.15s;
}
.iv-fq-q:hover { background: var(--iv-bg, #F7F9FC); }
.iv-fq-item.open .iv-fq-q { background: var(--iv-bg, #F7F9FC); }

.iv-fq-q-icon {
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.iv-fq-q-text {
  flex: 1;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--iv-charcoal, #1D1D1F);
  line-height: 1.45;
}
.iv-fq-chevron {
  width: 22px; height: 22px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  margin-top: 1px;
}
.iv-fq-chevron svg {
  width: 16px; height: 16px;
  stroke: var(--iv-gray, #5F6368);
  stroke-width: 2.5;
  fill: none;
}
.iv-fq-item.open .iv-fq-chevron { transform: rotate(180deg); }
.iv-fq-item.open .iv-fq-chevron svg { stroke: var(--iv-install, #002868); }
.iv-fq-item.green-item.open .iv-fq-chevron svg { stroke: var(--iv-green, #00875A); }
.iv-fq-item.red-item.open .iv-fq-chevron svg { stroke: var(--iv-revolve, #BF0A30); }
.iv-fq-item.purple-item.open .iv-fq-chevron svg { stroke: #7C3AED; }
.iv-fq-item.amber-item.open .iv-fq-chevron svg { stroke: var(--iv-amber, #D97706); }

/* Answer (collapsible) */
.iv-fq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1), padding 0.3s;
  padding: 0 18px;
}
.iv-fq-item.open .iv-fq-a {
  max-height: 2000px;
  padding: 0 18px 18px;
}
.iv-fq-a-inner {
  padding-top: 4px;
  border-top: 1px solid var(--iv-border, #E0E4E8);
  padding-top: 14px;
}
.iv-fq-a p {
  font-size: 0.84rem;
  line-height: 1.75;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 12px;
}
.iv-fq-a p:last-child { margin-bottom: 0; }
.iv-fq-a strong { font-weight: 700; }

/* Answer lists */
.iv-fq-a ul {
  list-style: none;
  padding: 0;
  margin: 0 0 12px;
}
.iv-fq-a ul:last-child { margin-bottom: 0; }
.iv-fq-a ul li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  padding: 4px 0;
  font-size: 0.82rem;
  line-height: 1.6;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-fq-a ul li .li-icon { flex-shrink: 0; font-size: 0.88rem; margin-top: 2px; }

/* Inline callout */
.iv-fq-callout {
  border-radius: 10px;
  padding: 10px 14px;
  font-size: 0.8rem;
  line-height: 1.6;
  margin-top: 10px;
  margin-bottom: 12px;
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.iv-fq-callout:last-child { margin-bottom: 0; }
.iv-fq-callout.blue-callout { background: rgba(0,40,104,0.05); border: 1px solid rgba(0,40,104,0.12); color: var(--iv-install, #002868); }
.iv-fq-callout.green-callout { background: rgba(0,135,90,0.05); border: 1px solid rgba(0,135,90,0.12); color: #065F46; }
.iv-fq-callout.red-callout { background: rgba(191,10,48,0.05); border: 1px solid rgba(191,10,48,0.12); color: #7F1D1D; }
.iv-fq-callout.purple-callout { background: rgba(124,58,237,0.05); border: 1px solid rgba(124,58,237,0.12); color: #5B21B6; }
.iv-fq-callout.amber-callout { background: rgba(217,119,6,0.05); border: 1px solid rgba(217,119,6,0.12); color: #92400E; }
.iv-fq-callout-icon { flex-shrink: 0; font-size: 1rem; }

/* Inline comparison mini-table */
.iv-fq-minitbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.78rem;
  margin: 10px 0 12px;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid var(--iv-border, #E0E4E8);
}
.iv-fq-minitbl thead tr { background: var(--iv-charcoal, #1D1D1F); }
.iv-fq-minitbl thead th {
  padding: 7px 10px;
  font-size: 0.64rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #fff;
  text-align: left;
}
.iv-fq-minitbl tbody tr { border-bottom: 1px solid var(--iv-bg, #F7F9FC); }
.iv-fq-minitbl tbody tr:nth-child(even) { background: var(--iv-bg, #F7F9FC); }
.iv-fq-minitbl tbody td { padding: 6px 10px; color: var(--iv-charcoal, #1D1D1F); }
.iv-fq-minitbl .val-blue { font-weight: 700; color: var(--iv-install, #002868); }
.iv-fq-minitbl .val-red { font-weight: 700; color: var(--iv-revolve, #BF0A30); }

/* ---- EXPAND ALL / COLLAPSE ALL ---- */
.iv-fq-controls {
  display: flex;
  gap: 8px;
  margin-bottom: 16px;
}
.iv-fq-ctrl-btn {
  padding: 7px 14px;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  background: var(--iv-white, #fff);
  color: var(--iv-gray, #5F6368);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.02em;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.iv-fq-ctrl-btn:hover { border-color: var(--iv-install, #002868); color: var(--iv-install, #002868); }

/* ---- BOTTOM CTA ---- */
.iv-fq-bottom {
  background: #F0FBF6;
  border: 1.5px solid rgba(0,135,90,0.3);
  border-radius: 16px;
  padding: 20px 22px;
  margin-top: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.iv-fq-bottom-icon { font-size: 1.8rem; flex-shrink: 0; }
.iv-fq-bottom-content { flex: 1; }
.iv-fq-bottom-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--iv-green, #00875A);
  margin-bottom: 5px;
}
.iv-fq-bottom-text {
  font-size: 0.82rem;
  line-height: 1.7;
  color: #065F46;
}
.iv-fq-cta {
  text-align: center;
  margin-top: 22px;
}
.iv-fq-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-green, #00875A);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  transition: all 0.2s;
}
.iv-fq-cta-btn:hover {
  background: #006644;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.3);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 768px) {
  .iv-fq-header { padding: 28px 18px 22px; }
  .iv-fq-cats { gap: 6px; }
  .iv-fq-cat-btn { padding: 7px 12px; font-size: 0.67rem; }
  .iv-fq-q { padding: 12px 14px; gap: 10px; }
  .iv-fq-item.open .iv-fq-a { padding: 0 14px 14px; }
  .iv-fq-bottom { flex-direction: column; align-items: center; text-align: center; }
  .iv-fq-minitbl { font-size: 0.74rem; }
}
@media (max-width: 480px) {
  .iv-fq-h2 { font-size: 1.2rem !important; }
  .iv-fq-q-text { font-size: 0.82rem; }
  .iv-fq-a p { font-size: 0.8rem; }
  .iv-fq-a ul li { font-size: 0.78rem; }
  .iv-fq-q-icon { font-size: 1.05rem; }
  .iv-fq-cat-btn { padding: 6px 10px; font-size: 0.64rem; }
}
/* ═══════════════════════════════════════════════════
   RELATED CALCULATORS SECTION — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-related {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.iv-rel-header {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  border-radius: 18px;
  padding: 36px 32px 28px;
  text-align: center;
  margin-bottom: 28px;
  position: relative;
  overflow: hidden;
}
.iv-rel-header::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 25% 40%, rgba(0,135,90,0.12) 0%, transparent 55%),
    radial-gradient(ellipse at 75% 60%, rgba(191,10,48,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.iv-rel-header::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-rel-icon { font-size: 2.6rem; display: block; margin-bottom: 10px; position: relative; z-index: 1; }
.iv-rel-h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
  line-height: 1.2 !important;
  position: relative; z-index: 1;
}
.iv-rel-sub {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.72);
  max-width: 800px;
  margin: 0 auto;
  line-height: 1.65;
  position: relative; z-index: 1;
}

/* ---- CATEGORY TABS ---- */
.iv-rel-cats {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 22px;
}
.iv-rel-cat-btn {
  padding: 8px 16px;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  background: var(--iv-white, #fff);
  color: var(--iv-gray, #5F6368);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  border-radius: 10px;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.02em;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.iv-rel-cat-btn:hover { border-color: var(--iv-install, #002868); color: var(--iv-install, #002868); }
.iv-rel-cat-btn.active {
  background: var(--iv-install, #002868);
  border-color: var(--iv-install, #002868);
  color: #fff;
}
.iv-rel-cat-btn.active.rc-red { background: var(--iv-revolve, #BF0A30); border-color: var(--iv-revolve, #BF0A30); }
.iv-rel-cat-btn.active.rc-green { background: var(--iv-green, #00875A); border-color: var(--iv-green, #00875A); }
.iv-rel-cat-btn.active.rc-purple { background: #7C3AED; border-color: #7C3AED; }
.iv-rel-cat-btn.active.rc-amber { background: var(--iv-amber, #D97706); border-color: var(--iv-amber, #D97706); }
.iv-rel-cat-btn.active.rc-teal { background: #0F766E; border-color: #0F766E; }

/* ---- CARD GRID ---- */
.iv-rel-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

/* ---- INDIVIDUAL CARD ---- */
.iv-rel-card {
  background: var(--iv-white, #fff);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 14px;
  padding: 0;
  overflow: hidden;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  text-decoration: none !important;
  color: inherit !important;
  position: relative;
}
.iv-rel-card:hover {
  border-color: rgba(0,40,104,0.3);
  box-shadow: 0 8px 28px rgba(0,40,104,0.10);
  transform: translateY(-3px);
}

/* Color-coded top bar */
.iv-rel-card-bar {
  height: 4px;
  width: 100%;
  background: var(--iv-install, #002868);
}
.iv-rel-card-bar.bar-red { background: var(--iv-revolve, #BF0A30); }
.iv-rel-card-bar.bar-green { background: var(--iv-green, #00875A); }
.iv-rel-card-bar.bar-purple { background: #7C3AED; }
.iv-rel-card-bar.bar-amber { background: var(--iv-amber, #D97706); }
.iv-rel-card-bar.bar-teal { background: #0F766E; }

.iv-rel-card-body {
  padding: 18px 18px 14px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

/* Icon + Category row */
.iv-rel-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 10px;
}
.iv-rel-card-emoji {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.iv-rel-card-emoji.em-blue { background: rgba(0,40,104,0.08); }
.iv-rel-card-emoji.em-red { background: rgba(191,10,48,0.08); }
.iv-rel-card-emoji.em-green { background: rgba(0,135,90,0.08); }
.iv-rel-card-emoji.em-purple { background: rgba(124,58,237,0.08); }
.iv-rel-card-emoji.em-amber { background: rgba(217,119,6,0.08); }
.iv-rel-card-emoji.em-teal { background: rgba(15,118,110,0.08); }

.iv-rel-card-cat {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.58rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 3px 9px;
  border-radius: 6px;
}
.iv-rel-card-cat.cat-blue { background: rgba(0,40,104,0.08); color: var(--iv-install, #002868); }
.iv-rel-card-cat.cat-red { background: rgba(191,10,48,0.08); color: var(--iv-revolve, #BF0A30); }
.iv-rel-card-cat.cat-green { background: rgba(0,135,90,0.08); color: var(--iv-green, #00875A); }
.iv-rel-card-cat.cat-purple { background: rgba(124,58,237,0.08); color: #7C3AED; }
.iv-rel-card-cat.cat-amber { background: rgba(217,119,6,0.08); color: var(--iv-amber, #D97706); }
.iv-rel-card-cat.cat-teal { background: rgba(15,118,110,0.08); color: #0F766E; }

/* Card title */
.iv-rel-card-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
  line-height: 1.35;
  margin-bottom: 7px;
}

/* Card description */
.iv-rel-card-desc {
  font-size: 0.78rem;
  line-height: 1.65;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 14px;
  flex: 1;
}

/* Relevance tag */
.iv-rel-card-why {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--iv-install, #002868);
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.10);
  border-radius: 8px;
  padding: 6px 10px;
  margin-bottom: 12px;
}
.iv-rel-card-why.why-red { color: var(--iv-revolve, #BF0A30); background: rgba(191,10,48,0.04); border-color: rgba(191,10,48,0.10); }
.iv-rel-card-why.why-green { color: var(--iv-green, #00875A); background: rgba(0,135,90,0.04); border-color: rgba(0,135,90,0.10); }
.iv-rel-card-why.why-purple { color: #7C3AED; background: rgba(124,58,237,0.04); border-color: rgba(124,58,237,0.10); }
.iv-rel-card-why.why-amber { color: var(--iv-amber, #D97706); background: rgba(217,119,6,0.04); border-color: rgba(217,119,6,0.10); }
.iv-rel-card-why.why-teal { color: #0F766E; background: rgba(15,118,110,0.04); border-color: rgba(15,118,110,0.10); }

/* CTA link row */
.iv-rel-card-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 12px;
  border-top: 1px solid var(--iv-border, #E0E4E8);
}
.iv-rel-card-link {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--iv-install, #002868);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: gap 0.2s;
}
.iv-rel-card:hover .iv-rel-card-link { gap: 9px; }
.iv-rel-card-link.link-red { color: var(--iv-revolve, #BF0A30); }
.iv-rel-card-link.link-green { color: var(--iv-green, #00875A); }
.iv-rel-card-link.link-purple { color: #7C3AED; }
.iv-rel-card-link.link-amber { color: var(--iv-amber, #D97706); }
.iv-rel-card-link.link-teal { color: #0F766E; }

.iv-rel-card-arrow {
  width: 20px; height: 20px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s;
}
.iv-rel-card:hover .iv-rel-card-arrow { transform: translateX(2px); }
.iv-rel-card-arrow svg { width: 14px; height: 14px; stroke-width: 2.5; fill: none; }

/* ---- VIEW ALL FOOTER ---- */
.iv-rel-footer {
  margin-top: 24px;
  text-align: center;
}
.iv-rel-view-all {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 36px;
  background: var(--iv-install, #002868);
  color: #fff;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  letter-spacing: 0.04em;
  text-decoration: none;
  transition: all 0.2s;
}
.iv-rel-view-all:hover {
  background: #001A44;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,40,104,0.3);
}
.iv-rel-view-counter {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 14px;
}
.iv-rel-counter-item {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--iv-gray, #5F6368);
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.iv-rel-counter-num {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 900px) {
  .iv-rel-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .iv-rel-header { padding: 28px 18px 22px; }
  .iv-rel-cats { gap: 6px; }
  .iv-rel-cat-btn { padding: 7px 12px; font-size: 0.67rem; }
  .iv-rel-card-body { padding: 14px 14px 12px; }
}
@media (max-width: 560px) {
  .iv-rel-grid { grid-template-columns: 1fr; }
  .iv-rel-card:hover { transform: translateY(-2px); }
  .iv-rel-card-emoji { width: 36px; height: 36px; font-size: 1.1rem; }
  .iv-rel-card-title { font-size: 0.84rem; }
}
/* ═══════════════════════════════════════════════════
   LEGAL DISCLAIMER & EDITORIAL — iv- Design System
   ═══════════════════════════════════════════════════ */

.iv-legal {
  max-width: 1200px;
  margin: 0 auto 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--iv-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- LEGAL CARD ---- */
.iv-legal-card {
  background: var(--iv-white, #fff);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 18px;
  overflow: hidden;
}

/* ---- CARD HEADER ---- */
.iv-legal-ch {
  background: linear-gradient(135deg, #001030 0%, #002868 45%, #001840 100%);
  padding: 28px 28px 24px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  position: relative;
  overflow: hidden;
}
.iv-legal-ch::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 25% 40%, rgba(191,10,48,0.10) 0%, transparent 55%),
    radial-gradient(ellipse at 75% 60%, rgba(0,135,90,0.10) 0%, transparent 55%);
  pointer-events: none;
}
.iv-legal-ch::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}
.iv-legal-ch-icon {
  font-size: 2.4rem;
  flex-shrink: 0;
  position: relative; z-index: 1;
}
.iv-legal-ch > div:last-child { position: relative; z-index: 1; }
.iv-legal-ch-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.1rem, 2.5vw, 1.5rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 8px !important;
  line-height: 1.25 !important;
}
.iv-legal-ch-sub {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.70);
  line-height: 1.65;
}

/* ---- BODY ---- */
.iv-legal-body { padding: 28px; }

/* ---- SECTION LABEL ---- */
.iv-disc-stl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--iv-install, #002868);
  padding: 8px 0;
  margin: 28px 0 14px;
  border-bottom: 2px solid var(--iv-install, #002868);
  display: flex;
  align-items: center;
  gap: 7px;
}
.iv-disc-stl:first-child { margin-top: 0; }

/* ---- WARNING BANNER ---- */
.iv-disc-banner {
  background: linear-gradient(135deg, #FFF5F5 0%, #FEF2F2 100%);
  border: 2px solid rgba(191,10,48,0.25);
  border-radius: 14px;
  padding: 22px 22px;
  margin-bottom: 22px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.iv-disc-bang {
  font-size: 2.2rem;
  flex-shrink: 0;
  line-height: 1;
}
.iv-disc-banner h3 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--iv-revolve, #BF0A30);
  margin: 0 0 8px;
}
.iv-disc-banner p {
  font-size: 0.82rem;
  line-height: 1.75;
  color: var(--iv-charcoal, #1D1D1F);
  margin: 0;
}
.iv-disc-banner a {
  color: var(--iv-install, #002868);
  font-weight: 600;
  text-decoration: underline;
}

/* ---- DISCLAIMER BLOCKS ---- */
.iv-disc-block {
  border-radius: 12px;
  padding: 18px 20px;
  margin-bottom: 14px;
}
.iv-disc-block.red { background: rgba(191,10,48,0.04); border: 1px solid rgba(191,10,48,0.15); }
.iv-disc-block.orange { background: rgba(217,119,6,0.04); border: 1px solid rgba(217,119,6,0.15); }
.iv-disc-block.navy { background: rgba(0,40,104,0.03); border: 1px solid rgba(0,40,104,0.12); }
.iv-disc-block.green { background: rgba(0,135,90,0.04); border: 1px solid rgba(0,135,90,0.15); }
.iv-disc-block.purple { background: rgba(124,58,237,0.04); border: 1px solid rgba(124,58,237,0.15); }

.iv-disc-block-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  margin-bottom: 8px;
  line-height: 1.35;
}
.iv-disc-block.red .iv-disc-block-title { color: var(--iv-revolve, #BF0A30); }
.iv-disc-block.orange .iv-disc-block-title { color: var(--iv-amber, #D97706); }
.iv-disc-block.navy .iv-disc-block-title { color: var(--iv-install, #002868); }
.iv-disc-block.green .iv-disc-block-title { color: var(--iv-green, #00875A); }
.iv-disc-block.purple .iv-disc-block-title { color: #7C3AED; }

.iv-disc-block-body {
  font-size: 0.78rem;
  line-height: 1.75;
  color: var(--iv-charcoal, #1D1D1F);
}
.iv-disc-block-body ul {
  list-style: none;
  padding: 0;
  margin: 10px 0 0;
}
.iv-disc-block-body ul li {
  padding: 4px 0 4px 18px;
  position: relative;
  line-height: 1.65;
}
.iv-disc-block-body ul li::before {
  content: '•';
  position: absolute;
  left: 4px;
  font-weight: 700;
}
.iv-disc-block-body ul li strong { font-weight: 700; }
.iv-disc-block-body a {
  color: var(--iv-install, #002868);
  font-weight: 600;
  text-decoration: underline;
}

/* ---- EDITORIAL TRANSPARENCY GRID ---- */
.iv-etrans-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.iv-etrans-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 16px;
  background: var(--iv-bg, #F7F9FC);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
}
.iv-etrans-icon {
  width: 38px; height: 38px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.iv-etrans-icon.blue { background: rgba(0,40,104,0.08); }
.iv-etrans-icon.red { background: rgba(191,10,48,0.08); }
.iv-etrans-icon.orange { background: rgba(217,119,6,0.08); }
.iv-etrans-icon.green { background: rgba(0,135,90,0.08); }
.iv-etrans-icon.purple { background: rgba(124,58,237,0.08); }
.iv-etrans-icon.teal { background: rgba(15,118,110,0.08); }
.iv-etrans-body { flex: 1; }
.iv-etrans-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 4px;
  line-height: 1.35;
}
.iv-etrans-desc {
  font-size: 0.74rem;
  line-height: 1.7;
  color: var(--iv-gray, #5F6368);
}

/* ---- DATA TABLE ---- */
.iv-dt-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
}
.iv-dt-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.74rem;
  min-width: 720px;
}
.iv-dt-table thead { background: var(--iv-charcoal, #1D1D1F); }
.iv-dt-table thead th {
  padding: 10px 12px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.6rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #fff;
  text-align: left;
  white-space: nowrap;
}
.iv-dt-table tbody tr { border-bottom: 1px solid var(--iv-border, #E0E4E8); }
.iv-dt-table tbody tr:nth-child(even) { background: var(--iv-bg, #F7F9FC); }
.iv-dt-table tbody td { padding: 9px 12px; color: var(--iv-charcoal, #1D1D1F); vertical-align: top; }
.iv-dt-table tbody td.label { font-weight: 600; }

.iv-dt-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.65rem;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 5px;
  white-space: nowrap;
}
.iv-dt-badge.live { background: rgba(0,135,90,0.10); color: var(--iv-green, #00875A); }
.iv-dt-badge.static { background: rgba(0,40,104,0.08); color: var(--iv-install, #002868); }
.iv-dt-badge.quarterly { background: rgba(217,119,6,0.08); color: var(--iv-amber, #D97706); }
.iv-dt-badge.upcoming { background: rgba(124,58,237,0.08); color: #7C3AED; }

/* ---- GOV AUTHORITY CARDS ---- */
.iv-gov-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.iv-gov-card {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 16px;
  background: var(--iv-white, #fff);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 12px;
  text-decoration: none !important;
  color: inherit !important;
  transition: all 0.25s;
}
.iv-gov-card:hover {
  border-color: rgba(0,40,104,0.3);
  box-shadow: 0 4px 16px rgba(0,40,104,0.08);
  transform: translateY(-2px);
}
.iv-gov-seal { font-size: 2rem; flex-shrink: 0; line-height: 1; }
.iv-gov-body { flex: 1; }
.iv-gov-agency {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 3px;
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 6px;
}
.iv-gov-badge {
  background: rgba(0,40,104,0.08);
  color: var(--iv-install, #002868);
  font-size: 0.58rem;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 4px;
  white-space: nowrap;
}
.iv-gov-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 5px;
  line-height: 1.35;
}
.iv-gov-desc {
  font-size: 0.72rem;
  line-height: 1.65;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 6px;
}
.iv-gov-url {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--iv-install, #002868);
}

/* ---- TEAM BOX ---- */
.iv-team-box {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  background: var(--iv-bg, #F7F9FC);
  border: 1.5px solid var(--iv-border, #E0E4E8);
  border-radius: 14px;
}
.iv-team-avatar { font-size: 2.6rem; flex-shrink: 0; line-height: 1; }
.iv-team-body { flex: 1; }
.iv-team-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--iv-charcoal, #1D1D1F);
  margin-bottom: 3px;
}
.iv-team-role {
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--iv-install, #002868);
  margin-bottom: 8px;
}
.iv-team-bio {
  font-size: 0.76rem;
  line-height: 1.75;
  color: var(--iv-gray, #5F6368);
  margin-bottom: 10px;
}
.iv-team-review {
  font-size: 0.68rem;
  line-height: 1.6;
  color: var(--iv-gray, #5F6368);
  padding: 8px 12px;
  background: var(--iv-white, #fff);
  border: 1px solid var(--iv-border, #E0E4E8);
  border-radius: 8px;
}
.iv-team-review strong { color: var(--iv-charcoal, #1D1D1F); }

/* ---- STAMP BAR ---- */
.iv-stamp-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-top: 28px;
  padding: 14px 18px;
  background: var(--iv-charcoal, #1D1D1F);
  border-radius: 12px;
  font-size: 0.68rem;
  font-weight: 600;
  color: rgba(255,255,255,0.80);
}
.iv-stamp-bar strong { color: #fff; }
.iv-stamp-sep {
  width: 1px;
  height: 14px;
  background: rgba(255,255,255,0.20);
  flex-shrink: 0;
}

/* ═══════ RESPONSIVE ═══════ */
@media (max-width: 900px) {
  .iv-etrans-grid { grid-template-columns: 1fr; }
  .iv-gov-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .iv-legal-ch { flex-direction: column; padding: 22px 18px 20px; gap: 10px; }
  .iv-legal-body { padding: 20px 16px; }
  .iv-disc-banner { flex-direction: column; gap: 8px; padding: 16px; }
  .iv-disc-block { padding: 14px 16px; }
  .iv-team-box { flex-direction: column; gap: 10px; }
  .iv-stamp-bar { flex-direction: column; align-items: flex-start; gap: 6px; }
  .iv-stamp-sep { display: none; }
}
@media (max-width: 480px) {
  .iv-legal-ch-title { font-size: 1.05rem !important; }
  .iv-disc-block-body { font-size: 0.75rem; }
  .iv-etrans-item { flex-direction: column; gap: 8px; padding: 12px; }
  .iv-gov-card { flex-direction: column; gap: 8px; padding: 12px; }
}

/* ─────────────────────────────────────────────
   MASTER MOBILE FIX: TABLE OVERFLOW
   ───────────────────────────────────────────── */
@media screen and (max-width: 768px) {
  /* Allow the tables to scroll horizontally */
  .iv-st-scroll,
  .iv-amort-wrap {
    display: block !important;
    width: 100% !important;
    max-width: 100vw !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }
  
  /* Force tables to remain wide enough so text doesn't squish */
  .iv-st-table {
    min-width: 650px !important; 
  }
  .iv-amort-tbl {
    min-width: 500px !important; 
  }
}