/* ============================================================
   KADENCE CSS VARIABLES & BRAND STYLES – USFinanceCalculators.com
   ============================================================ */
:root {
  --navy: #002868; --navy-dark: #00183F; --charcoal: #1D1D1F;
  --gray: #5F6368; --border: #E0E4E8; --bg: #F7F9FC;
  --white: #FFFFFF; --red: #BF0A30; --green: #00875A;
  --shadow-sm: 0 1px 4px rgba(0,40,104,0.08);
  --shadow-md: 0 4px 20px rgba(0,40,104,0.12);
  --tr: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

/* ── Typography & Contrast Patch ── */
#annWrapper .panel-title, #annWrapper .form-group label, #annWrapper .chart-title, #annWrapper .faq-q, #annWrapper .result-hero .label { color: #1e293b !important; font-weight: 800 !important; }
#annWrapper .input-wrap input, #annWrapper .input-wrap select, #annWrapper .seg-toggle label { font-weight: 600 !important; color: #0f172a !important; font-size: 14px !important; }
#annWrapper .input-prefix, #annWrapper .input-suffix { color: #334155 !important; font-weight: 800 !important; }
#annWrapper .form-group small, #annWrapper .info-box { color: #64748b !important; font-weight: 500 !important; }
#annWrapper .result-row .row-label { color: #475569 !important; font-weight: 600 !important; }

/* ── Master Bullet Fix for WP Themes ── */
#annWrapper ul, #annWrapper li { display: block !important; list-style-type: disc !important; list-style-position: outside !important; }
#annWrapper ul { padding-left: 32px !important; margin-left: 0 !important; flex-direction: unset !important; }
#annWrapper li { display: list-item !important; padding-left: 0 !important; margin-bottom: 8px !important; }

/* ============================================================
   BRAND HERO SECTION
   ============================================================ */
.hero { background: linear-gradient(135deg, #0f2540 0%, #1a3a5c 60%, #1e4d7b 100%); padding: 52px 20px 44px; text-align: center; position: relative; overflow: hidden; margin-bottom: 28px; }
.hero::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(60deg, rgba(255,255,255,.018) 0, rgba(255,255,255,.018) 1px, transparent 1px, transparent 18px); }
.hero-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
.badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(243,156,18,.15); border: 1px solid rgba(243,156,18,.4); color: #fcd34d; font-size: 12px; font-weight: 700; padding: 5px 16px; border-radius: 20px; margin-bottom: 18px; letter-spacing: .3px; }
.bdot { width: 7px; height: 7px; background: #fcd34d; border-radius: 50%; animation: blink 1.5s ease-in-out infinite; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .2; } }
.hero h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4vw, 42px); color: #ffffff !important; line-height: 1.15; margin-bottom: 14px; letter-spacing: -0.5px; }
.hero h1 span { color: #FCD34D; }
.hero p { font-size: 15.5px; color: rgba(255,255,255,.83); max-width: 780px; margin: 0 auto 22px; line-height: 1.75; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }
.chip { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.92); font-size: 12px; font-weight: 600; padding: 5px 14px; border-radius: 20px; }

/* ============================================================
   CALCULATOR WRAPPER
   ============================================================ */
.calc-wrapper { max-width: 1200px; margin: 0 auto; padding: 0 20px 60px; }
.calc-outer { background: var(--bg); border-radius: 18px; margin-top: 24px; }

/* ─── Tab Navigation ─── */
.tab-nav { display: flex; gap: 4px; background: var(--border); padding: 4px; border-radius: 10px; margin-bottom: 24px; width: fit-content; flex-wrap: wrap; }
.tab-btn { padding: 9px 18px; font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 700; border: none; border-radius: 7px; cursor: pointer; background: transparent; color: var(--gray); transition: all var(--tr); white-space: nowrap; }
.tab-btn.active { background: var(--navy); color: #fff; box-shadow: var(--shadow-sm); }
.tab-btn:hover:not(.active) { background: var(--white); color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ─── Two Column Grid ─── */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 800px) { .calc-grid { grid-template-columns: 1fr; } }

/* ─── Input Panel ─── */
.input-panel { padding: 24px; background: var(--white); border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-sm); }
.panel-title { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; border-bottom: 2px solid var(--border); padding-bottom: 12px; }

/* ─── Form Groups ─── */
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--charcoal); margin-bottom: 5px; }
.form-group small { display: block; font-size: 11.5px; color: var(--gray); margin-top: 4px; line-height: 1.4; }

.input-wrap { display: flex; align-items: center; border: 1.5px solid var(--border); border-radius: 8px; background: var(--white); overflow: hidden; transition: border-color var(--tr), box-shadow var(--tr); }
.input-wrap:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,40,104,0.09); }
.input-prefix, .input-suffix { padding: 0 12px; font-size: 13px; font-weight: 600; color: var(--gray); background: var(--bg); align-self: stretch; display: flex; align-items: center; white-space: nowrap; border-right: 1.5px solid var(--border); }
.input-suffix { border-right: none; border-left: 1.5px solid var(--border); }
.input-wrap input, .input-wrap select { flex: 1; padding: 10px 12px; border: none; background: transparent; font-size: 14px; font-family: var(--font-body); color: var(--charcoal); outline: none; }
.input-wrap select { cursor: pointer; appearance: none; }

/* Segmented toggle */
.seg-toggle { display: flex; border: 1.5px solid var(--border); border-radius: 8px; overflow: hidden; }
.seg-toggle label { flex: 1; text-align: center; padding: 10px 6px; font-size: 12.5px; font-weight: 600; cursor: pointer; color: var(--gray); background: var(--white); transition: background var(--tr), color var(--tr); margin: 0; border-right: 1.5px solid var(--border); }
.seg-toggle label:last-of-type { border-right: none; }
.seg-toggle input[type="radio"] { display: none; }
.seg-toggle input[type="radio"]:checked + label { background: var(--navy); color: #fff; }

/* Info box */
.info-box { background: #f0f9ff; border: 1px solid rgba(8,145,178,0.25); border-radius: 8px; padding: 12px 16px; font-size: 13px; color: #0c4a6e; margin-bottom: 16px; line-height: 1.55; }
.info-box strong { font-weight: 700; color: #0891b2; }

/* ─── Action Buttons ─── */
.calc-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--border); }
.btn { flex: 1 1 140px; display: inline-flex; align-items: center; justify-content: center; gap: 6px; padding: 13px 18px; border: none; border-radius: 8px; font-family: 'Montserrat', sans-serif; font-size: 13.5px; font-weight: 800; cursor: pointer; transition: background var(--tr), transform var(--tr), box-shadow var(--tr); }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--navy-dark); box-shadow: var(--shadow-md); }
.btn-pdf, .btn-wa { display: none; }
.btn-pdf { background: var(--red); color: #fff; }
.btn-pdf:hover { background: #9b0826; }
.btn-wa { background: #25D366; color: #fff; }
.btn-wa:hover { background: #1da851; }
.btn-rst { display: none; background: transparent; color: var(--gray); border: 1.5px solid var(--border); font-weight: 700; }
.btn-rst:hover { border-color: var(--navy); color: var(--navy); }

/* ─── Results Panel ─── */
.results-panel { padding: 24px; background: var(--bg); border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-sm); min-height: 500px; display: flex; flex-direction: column; gap: 16px; }

/* Result header card */
.result-hero { background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%); border-radius: 12px; padding: 22px 24px; color: #fff; display: none; box-shadow: var(--shadow-md); position: relative; overflow: hidden; }
.result-hero::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%); pointer-events: none; }
.result-hero .label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; color: rgba(255,255,255,0.75); margin-bottom: 6px; position: relative; z-index: 1; }
.result-hero .amount { font-family: 'Montserrat', sans-serif; font-size: clamp(24px, 4vw, 36px); font-weight: 900; line-height: 1.15; margin-bottom: 6px; position: relative; z-index: 1; }
.result-hero .sub { font-size: 13.5px; line-height: 1.6; color: rgba(255,255,255,0.85); margin: 0; position: relative; z-index: 1; }

/* Result rows */
.result-rows { background: var(--white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 16px; border-bottom: 1px solid var(--bg); font-size: 13.5px; }
.result-row:last-child { border-bottom: none; }
.result-row:nth-child(even) { background: var(--bg); }
.result-row.highlight { background: rgba(0,40,104,0.05); font-weight: 700; color: var(--navy); }
.result-row.danger { background: #fff5f7; color: var(--red); }
.result-row.success { background: #e6f7f0; color: #006644; }
.result-row .row-label { color: var(--charcoal); flex: 1; }
.result-row.highlight .row-label, .result-row.danger .row-label, .result-row.success .row-label { color: inherit; }
.result-row .row-val { font-weight: 700; font-family: 'Montserrat', sans-serif; text-align: right; }

/* Chart canvas */
.chart-wrap { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 18px; display: none; overflow: hidden; }
.chart-title { font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 14px; }

/* Placeholder */
.calc-placeholder { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 48px 24px; color: var(--gray); flex: 1; }
.calc-placeholder svg { width: 48px; height: 48px; margin-bottom: 14px; opacity: 0.35; color: var(--navy); }
.calc-placeholder p { font-size: 14px; max-width: 280px; margin: 0 auto; line-height: 1.6; }

/* Breakeven table */
.table-wrap { overflow-x: auto; background: var(--white); border: 1px solid var(--border); border-radius: 10px; display: none; }
.data-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.data-table th { background: var(--navy); color: #fff; padding: 10px 14px; text-align: left; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; white-space: nowrap; }
.data-table td { padding: 9px 14px; border-bottom: 1px solid var(--border); color: var(--charcoal); }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--bg); }
.data-table .highlight-row td { background: #e6f7f0; font-weight: 700; color: #006644; }

/* ─── FAQ accordion ─── */
.faq-section { background: var(--white); border-top: 3px solid var(--border); padding: 40px 20px; margin-top: 24px; }
.seo-container { max-width: 1000px; margin: 0 auto; }
.faq-section h2 { font-family: 'Montserrat', sans-serif; font-size: 24px; color: var(--navy); margin-bottom: 20px; }
.faq-item { border: 1px solid var(--border); border-radius: 10px; margin-bottom: 12px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: var(--bg); border: none; padding: 16px 20px; font-size: 14.5px; font-weight: 700; color: var(--charcoal); display: flex; justify-content: space-between; align-items: center; cursor: pointer; transition: background .2s; }
.faq-q:hover { background: #eef1f6; }
.faq-q span.icon { font-size: 18px; color: var(--navy); transition: transform 0.2s; }
.faq-item.open .faq-q span.icon { transform: rotate(45deg); }
.faq-a { padding: 16px 20px; font-size: 14px; color: var(--gray); line-height: 1.7; border-top: 1px solid var(--border); background: var(--white); display: none; }
.faq-item.open .faq-a { display: block; }
/* ============================================================
   HOW IT WORKS — SECTION WRAPPER
   ============================================================ */
.hiw-section {
  background: var(--white);
  border-top: 3px solid var(--border);
  padding: 0;
  margin-top: 0;
}

.hiw-section-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 52px 20px 60px;
}

/* ── Section Header ── */
.hiw-section-hdr {
  text-align: center;
  margin-bottom: 36px;
}

.hiw-section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.15);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.hiw-section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 900;
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.3px;
}

.hiw-section-title span { color: var(--navy); }

.hiw-section-sub {
  font-size: 14.5px;
  color: var(--gray);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ── Table of Contents ── */
.hiw-toc {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 24px 28px;
  margin-bottom: 36px;
}

.hiw-toc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.hiw-toc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 8px;
}

.hiw-toc-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 14px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  text-decoration: none;
  color: var(--charcoal);
  font-size: 13px;
  font-weight: 600;
  transition: all var(--tr);
}

.hiw-toc-item:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: rgba(0,40,104,0.04);
  transform: translateX(2px);
}

.hiw-toc-num {
  min-width: 24px;
  height: 24px;
  background: var(--navy);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  flex-shrink: 0;
}

/* ── Step Cards ── */
.hiw-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  margin-bottom: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  scroll-margin-top: 80px;
}

.hiw-card-hdr {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 24px;
  background: linear-gradient(135deg, #f0f4ff 0%, #f7f9fc 100%);
  border-bottom: 1.5px solid var(--border);
  flex-wrap: wrap;
}

.hiw-step-num {
  min-width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%);
  color: #fff;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 900;
  box-shadow: 0 3px 10px rgba(0,40,104,0.2);
  flex-shrink: 0;
}

.hiw-card-hdr-text { flex: 1; min-width: 0; }

.hiw-card-hdr h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.3;
  margin-bottom: 3px;
}

.hiw-card-hdr p {
  font-size: 13px;
  color: var(--gray);
  margin: 0;
  line-height: 1.4;
}

.hiw-tab-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  border-radius: 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  white-space: nowrap;
  flex-shrink: 0;
}

.badge-tab1 { background: rgba(0,40,104,0.1); color: var(--navy); }
.badge-tab2 { background: rgba(0,135,90,0.1); color: var(--green); }
.badge-tab3 { background: rgba(191,10,48,0.1); color: var(--red); }
.badge-tab4 { background: rgba(243,156,18,0.12); color: #b45309; }

.hiw-card-body {
  padding: 24px;
}

.hiw-card-body p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 16px;
}

.hiw-card-body p:last-child { margin-bottom: 0; }

.hiw-card-body strong { color: var(--charcoal); font-weight: 700; }

/* ── Formula Box ── */
.hiw-formula {
  background: #f0f4ff;
  border: 1.5px solid rgba(0,40,104,0.15);
  border-left: 4px solid var(--navy);
  border-radius: 10px;
  padding: 18px 20px;
  margin: 16px 0;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
}

.hiw-formula .f-label {
  display: block;
  font-size: 10.5px;
  font-weight: 800;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.7px;
  margin-bottom: 10px;
}

.hiw-formula .f-line {
  display: block;
  font-size: 13.5px;
  color: var(--charcoal);
  font-weight: 700;
  line-height: 1.8;
}

.hiw-formula .f-op { color: var(--navy); font-weight: 900; margin-right: 6px; }
.hiw-formula .f-val { color: var(--charcoal); }
.hiw-formula .f-divider { color: var(--border); letter-spacing: 2px; display: block; margin: 4px 0; }
.hiw-formula .f-result { color: var(--green); font-weight: 900; }
.hiw-formula .f-note { font-size: 11.5px; color: var(--gray); font-weight: 500; font-family: 'Inter', sans-serif; display: block; margin-top: 8px; }

/* ── Flow Diagram ── */
.hiw-flow {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  margin: 16px 0;
}

.hiw-flow-box {
  padding: 8px 14px;
  border: 2px solid var(--navy);
  border-radius: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--navy);
  background: rgba(0,40,104,0.04);
  white-space: nowrap;
}

.hiw-flow-arrow {
  font-size: 18px;
  color: var(--navy);
  font-weight: 900;
  opacity: 0.5;
}

/* ── Info Box ── */
.hiw-info-box {
  background: #f0f9ff;
  border: 1px solid rgba(8,145,178,0.25);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 13px;
  color: #0c4a6e;
  margin: 14px 0;
  line-height: 1.6;
}
.hiw-info-box strong { font-weight: 700; color: #0891b2; }

/* ── Warning Box ── */
.hiw-warn-box {
  background: #fff5f7;
  border: 1px solid rgba(191,10,48,0.2);
  border-left: 4px solid var(--red);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 13px;
  color: var(--charcoal);
  margin: 14px 0;
  line-height: 1.6;
}
.hiw-warn-box strong { color: var(--red); font-weight: 700; }

/* ── Success Box ── */
.hiw-success-box {
  background: #e6f7f0;
  border: 1px solid rgba(0,135,90,0.2);
  border-left: 4px solid var(--green);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 13px;
  color: #004d30;
  margin: 14px 0;
  line-height: 1.6;
}
.hiw-success-box strong { color: var(--green); font-weight: 700; }

/* ── 3-Column Feature Grid ── */
.hiw-feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 12px;
  margin: 16px 0;
}

.hiw-feature-card {
  padding: 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  background: var(--white);
}

.hiw-feature-card .fc-icon {
  font-size: 22px;
  margin-bottom: 8px;
  display: block;
}

.hiw-feature-card .fc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 6px;
}

.hiw-feature-card .fc-body {
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.55;
  margin: 0;
}

/* ── Comparison Table ── */
.hiw-table-wrap {
  overflow-x: auto;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  margin: 16px 0;
  background: var(--white);
}

.hiw-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 520px;
}

.hiw-table th {
  background: var(--navy);
  color: #fff;
  padding: 11px 16px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
}

.hiw-table td {
  padding: 10px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--charcoal);
  vertical-align: top;
  line-height: 1.5;
}

.hiw-table tr:last-child td { border-bottom: none; }
.hiw-table tr:nth-child(even) td { background: var(--bg); }
.hiw-table .td-best td { background: #e6f7f0 !important; font-weight: 700; color: var(--green); }
.hiw-table .td-label { font-weight: 700; color: var(--charcoal); white-space: nowrap; }

/* ── Method Cards (SEPP) ── */
.hiw-method-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 14px;
  margin: 16px 0;
}

.hiw-method-card {
  border: 2px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}

.hiw-method-card-hdr {
  padding: 12px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  display: flex;
  align-items: center;
  gap: 8px;
}

.hiw-method-card-body {
  padding: 14px 16px;
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.6;
}

.hiw-method-card-body strong { color: var(--charcoal); }

.method-rmd .hiw-method-card-hdr { background: rgba(0,40,104,0.06); color: var(--navy); }
.method-amort .hiw-method-card-hdr { background: rgba(0,135,90,0.07); color: var(--green); }
.method-annuit .hiw-method-card-hdr { background: rgba(191,10,48,0.06); color: var(--red); }

/* ── Checklist ── */
.hiw-checklist {
  list-style: none !important;
  padding: 0 !important;
  margin: 12px 0 !important;
  display: flex !important;
  flex-direction: column !important;
  gap: 8px;
}

.hiw-checklist li {
  display: flex !important;
  align-items: flex-start;
  gap: 10px;
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.55;
  list-style: none !important;
  margin: 0 !important;
  padding: 0 !important;
}

.hiw-checklist li::before {
  content: "✓";
  min-width: 20px;
  height: 20px;
  background: var(--green);
  color: #fff;
  border-radius: 50%;
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
  flex-shrink: 0;
}

.hiw-checklist.danger li::before {
  content: "!";
  background: var(--red);
}

/* ── Step-by-Step inline ── */
.hiw-steps-inline {
  counter-reset: step;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 16px 0;
}

.hiw-step-row {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.hiw-step-row-num {
  min-width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hiw-step-row-text { flex: 1; padding-top: 4px; }
.hiw-step-row-text strong { display: block; font-size: 13.5px; font-weight: 700; color: var(--charcoal); margin-bottom: 3px; }
.hiw-step-row-text span { font-size: 13px; color: var(--gray); line-height: 1.6; }

/* ── Output Features Row ── */
.hiw-output-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 10px;
  margin: 16px 0;
}

.hiw-output-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--charcoal);
}

.hiw-output-item span { font-size: 18px; flex-shrink: 0; }

/* ============================================================
   MOBILE RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .hiw-section-inner { padding: 36px 16px 48px; }
  .hiw-toc { padding: 18px 16px; }
  .hiw-toc-grid { grid-template-columns: 1fr; }
  .hiw-card-hdr { padding: 16px; gap: 10px; }
  .hiw-card-body { padding: 16px; }
  .hiw-flow { gap: 6px; }
  .hiw-flow-box { font-size: 11px; padding: 7px 10px; }
  .hiw-flow-arrow { font-size: 14px; }
  .hiw-feature-grid { grid-template-columns: 1fr 1fr; }
  .hiw-method-grid { grid-template-columns: 1fr; }
  .hiw-output-grid { grid-template-columns: 1fr 1fr; }
  .hiw-step-num { min-width: 34px; height: 34px; font-size: 14px; }
}

@media (max-width: 480px) {
  .hiw-feature-grid { grid-template-columns: 1fr; }
  .hiw-output-grid { grid-template-columns: 1fr; }
  .hiw-card-hdr h3 { font-size: 14.5px; }
  .hiw-formula .f-line { font-size: 12.5px; }
}
/* ============================================================
   EDU SECTION WRAPPER
   ============================================================ */
.edu-section {
  background: var(--bg);
  border-top: 3px solid var(--border);
  padding: 0;
}

.edu-section-inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 52px 20px 64px;
}

/* ── Section Header ── */
.edu-hdr {
  text-align: center;
  margin-bottom: 40px;
}

.edu-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.15);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: 20px;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.edu-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 900;
  color: var(--charcoal);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.3px;
}

.edu-title span { color: var(--navy); }

.edu-subtitle {
  font-size: 14.5px;
  color: var(--gray);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.75;
}

/* ── Tab Nav (same as calculator) ── */
.edu-tab-nav {
  display: flex;
  gap: 4px;
  background: var(--border);
  padding: 4px;
  border-radius: 10px;
  margin-bottom: 32px;
  width: fit-content;
  flex-wrap: wrap;
}

.edu-tab-btn {
  padding: 9px 18px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  border: none;
  border-radius: 7px;
  cursor: pointer;
  background: transparent;
  color: var(--gray);
  transition: all var(--tr);
  white-space: nowrap;
}

.edu-tab-btn.active {
  background: var(--navy);
  color: #fff;
  box-shadow: var(--shadow-sm);
}

.edu-tab-btn:hover:not(.active) {
  background: var(--white);
  color: var(--navy);
}

.edu-tab-panel { display: none; }
.edu-tab-panel.active { display: block; }

/* ── Definition Card ── */
.edu-def-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  margin-bottom: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  scroll-margin-top: 80px;
}

.edu-def-hdr {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 24px;
  border-bottom: 1.5px solid var(--border);
  cursor: pointer;
  transition: background var(--tr);
  user-select: none;
}

.edu-def-hdr:hover { background: #f7f9fc; }

.edu-def-icon {
  min-width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.ic-navy  { background: rgba(0,40,104,0.08); }
.ic-green { background: rgba(0,135,90,0.09); }
.ic-red   { background: rgba(191,10,48,0.08); }
.ic-amber { background: rgba(180,83,9,0.09); }
.ic-teal  { background: rgba(8,145,178,0.09); }
.ic-purple{ background: rgba(109,40,217,0.08); }

.edu-def-hdr-text { flex: 1; min-width: 0; }

.edu-def-term {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 3px;
  line-height: 1.3;
}

.edu-def-tagline {
  font-size: 12.5px;
  color: var(--gray);
  margin: 0;
}

.edu-def-toggle {
  font-size: 22px;
  color: var(--navy);
  font-weight: 300;
  line-height: 1;
  transition: transform 0.22s;
  flex-shrink: 0;
  margin-left: 8px;
}

.edu-def-card.open .edu-def-toggle { transform: rotate(45deg); }

.edu-def-body {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
}

.edu-def-card.open .edu-def-body {
  padding: 20px 24px 24px;
  max-height: 1200px;
}

.edu-def-body p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 14px;
}

.edu-def-body p:last-child { margin-bottom: 0; }
.edu-def-body strong { color: var(--charcoal); font-weight: 700; }

/* ── Key Fact Box ── */
.edu-fact-box {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #f0f4ff;
  border: 1px solid rgba(0,40,104,0.15);
  border-left: 4px solid var(--navy);
  border-radius: 9px;
  padding: 14px 16px;
  margin: 14px 0;
  font-size: 13.5px;
  color: var(--charcoal);
  line-height: 1.65;
}

.edu-fact-box .efb-icon {
  font-size: 20px;
  flex-shrink: 0;
  margin-top: 1px;
}

.edu-fact-box.green {
  background: #e6f7f0;
  border-left-color: var(--green);
}

.edu-fact-box.red {
  background: #fff5f7;
  border-left-color: var(--red);
}

.edu-fact-box.amber {
  background: #fffbeb;
  border-left-color: #d97706;
}

/* ── Mini Compare Table ── */
.edu-table-wrap {
  overflow-x: auto;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  margin: 14px 0;
  background: var(--white);
}

.edu-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 400px;
}

.edu-table th {
  background: var(--navy);
  color: #fff;
  padding: 10px 14px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
}

.edu-table td {
  padding: 9px 14px;
  border-bottom: 1px solid var(--border);
  color: var(--charcoal);
  vertical-align: top;
  line-height: 1.5;
}

.edu-table tr:last-child td { border-bottom: none; }
.edu-table tr:nth-child(even) td { background: var(--bg); }
.edu-table .td-label { font-weight: 700; white-space: nowrap; }
.edu-table .td-good { color: var(--green); font-weight: 700; }
.edu-table .td-bad  { color: var(--red); font-weight: 700; }

/* ── Pill Tags ── */
.edu-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 12px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 800;
  margin-right: 4px;
  margin-bottom: 4px;
}

.tag-navy   { background: rgba(0,40,104,0.1); color: var(--navy); }
.tag-green  { background: rgba(0,135,90,0.1); color: var(--green); }
.tag-red    { background: rgba(191,10,48,0.1); color: var(--red); }
.tag-amber  { background: rgba(180,83,9,0.1); color: var(--amber); }

/* ── Quick Stats Bar ── */
.edu-stats-bar {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
  margin-bottom: 32px;
}

.edu-stat-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  padding: 20px 18px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.edu-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 6px;
}

.edu-stat-label {
  font-size: 12.5px;
  color: var(--gray);
  line-height: 1.5;
}

.edu-stat-source {
  font-size: 11px;
  color: var(--border);
  margin-top: 6px;
  font-style: italic;
}

/* ── Glossary Grid ── */
.edu-glossary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 14px;
  margin-bottom: 28px;
}

.edu-glos-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 18px;
  box-shadow: var(--shadow-sm);
}

.edu-glos-term {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.edu-glos-def {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
}

/* ── Section Divider Label ── */
.edu-cat-label {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 32px 0 18px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.edu-cat-line {
  flex: 1;
  height: 1.5px;
  background: var(--border);
}

/* ============================================================
   MOBILE RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .edu-section-inner { padding: 36px 16px 48px; }
  .edu-stats-bar { grid-template-columns: repeat(2, 1fr); }
  .edu-glossary-grid { grid-template-columns: 1fr; }
  .edu-def-hdr { padding: 14px 16px; gap: 10px; }
  .edu-def-body.open, .edu-def-card.open .edu-def-body { padding: 16px; }
  .edu-tab-nav { width: 100%; }
  .edu-tab-btn { flex: 1; text-align: center; padding: 9px 10px; font-size: 11.5px; }
}

@media (max-width: 480px) {
  .edu-stats-bar { grid-template-columns: 1fr 1fr; }
  .edu-def-term { font-size: 13.5px; }
}

/* ══════════════════════════════════════
   SECTION WRAPPER
══════════════════════════════════════ */
.rwe-section{
  background:var(--bg);
  border-top:3px solid var(--border);
  padding:0;
}
.rwe-inner{
  max-width:1080px;
  margin:0 auto;
  padding:52px 20px 68px;
}

/* ── Header ── */
.rwe-hdr{text-align:center;margin-bottom:44px}
.rwe-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(0,40,104,0.07);
  border:1px solid rgba(0,40,104,0.15);
  color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:800;
  padding:5px 14px;border-radius:20px;
  letter-spacing:0.4px;text-transform:uppercase;
  margin-bottom:14px;
}
.rwe-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(22px,3vw,32px);
  font-weight:900;color:var(--charcoal);
  line-height:1.2;margin-bottom:12px;letter-spacing:-0.3px;
}
.rwe-title span{color:var(--navy)}
.rwe-subtitle{
  font-size:14.5px;color:var(--gray);
  max-width:680px;margin:0 auto;line-height:1.75;
}

/* ── Scenario Tab Strip ── */
.rwe-tabs{
  display:flex;gap:0;
  border:1.5px solid var(--border);
  border-radius:12px;overflow:hidden;
  margin-bottom:32px;flex-wrap:nowrap;
  box-shadow:var(--shadow-sm);
}
.rwe-tab{
  flex:1;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:4px;
  padding:13px 8px;
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:800;
  color:var(--gray);
  background:var(--white);
  border:none;cursor:pointer;
  border-right:1.5px solid var(--border);
  transition:all var(--tr);
  text-align:center;
  line-height:1.3;
  position:relative;
}
.rwe-tab:last-child{border-right:none}
.rwe-tab .tab-emoji{font-size:20px;line-height:1}
.rwe-tab .tab-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:0.3px}
.rwe-tab:hover:not(.active){background:var(--bg);color:var(--navy)}
.rwe-tab.active{
  background:var(--navy);color:#fff;
}
.rwe-tab.active::after{
  content:'';position:absolute;bottom:-1.5px;left:50%;transform:translateX(-50%);
  border:7px solid transparent;
  border-top-color:var(--navy);
}

.rwe-panel{display:none}
.rwe-panel.active{display:block}

/* ══════════════════════════════════════
   CASE CARD LAYOUT
══════════════════════════════════════ */
.case-card{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:20px;
  overflow:hidden;
  box-shadow:var(--shadow-md);
}

/* ── Profile Banner ── */
.case-banner{
  background:var(--navy);
  padding:28px 32px 24px;
  display:flex;align-items:flex-start;gap:20px;
  flex-wrap:wrap;
}
.case-avatar{
  width:64px;height:64px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:28px;flex-shrink:0;
  border:3px solid rgba(255,255,255,0.25);
  background:rgba(255,255,255,0.12);
}
.case-profile{flex:1;min-width:200px}
.case-name{
  font-family:'Montserrat',sans-serif;font-size:20px;font-weight:900;
  color:#fff;margin-bottom:4px;letter-spacing:-0.2px;
}
.case-meta{font-size:13px;color:rgba(255,255,255,0.7);margin-bottom:10px}
.case-tags{display:flex;flex-wrap:wrap;gap:6px}
.case-tag{
  display:inline-block;padding:3px 11px;border-radius:12px;
  font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;
  background:rgba(255,255,255,0.15);color:#fff;
  letter-spacing:0.2px;
}
.case-tag.green{background:rgba(0,135,90,0.35)}
.case-tag.red{background:rgba(191,10,48,0.35)}
.case-tag.amber{background:rgba(180,83,9,0.35)}

.case-goal-box{
  background:rgba(255,255,255,0.1);
  border:1px solid rgba(255,255,255,0.2);
  border-radius:10px;padding:12px 16px;
  margin-left:auto;min-width:220px;max-width:280px;
  flex-shrink:0;
}
.case-goal-label{
  font-size:10px;font-weight:800;text-transform:uppercase;
  letter-spacing:0.5px;color:rgba(255,255,255,0.6);
  margin-bottom:5px;
}
.case-goal-text{font-size:13px;color:#fff;line-height:1.55}

/* ── Case Body ── */
.case-body{padding:28px 32px}

/* ── Situation ── */
.case-situation{
  font-size:14.5px;color:var(--gray);
  line-height:1.8;margin-bottom:24px;
  padding-bottom:20px;
  border-bottom:1.5px solid var(--border);
}
.case-situation strong{color:var(--charcoal)}

/* ── Inputs / Results Grid ── */
.case-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin-bottom:24px;
}
.case-block{
  background:var(--bg);
  border:1.5px solid var(--border);
  border-radius:14px;
  padding:18px 20px;
}
.case-block-title{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.6px;
  color:var(--navy);margin-bottom:12px;
  display:flex;align-items:center;gap:7px;
}
.case-block-title .cbt-dot{
  width:8px;height:8px;border-radius:50%;background:var(--navy);flex-shrink:0;
}
.case-row{
  display:flex;justify-content:space-between;align-items:baseline;
  gap:8px;padding:5px 0;
  border-bottom:1px solid var(--border);font-size:13px;
}
.case-row:last-child{border-bottom:none}
.case-row-label{color:var(--gray)}
.case-row-val{
  font-weight:700;color:var(--charcoal);
  text-align:right;white-space:nowrap;
}
.case-row-val.green{color:var(--green)}
.case-row-val.red{color:var(--red)}
.case-row-val.navy{color:var(--navy)}

/* ── Result Highlight ── */
.case-result-strip{
  display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));
  gap:12px;margin-bottom:24px;
}
.case-kpi{
  background:var(--navy);
  border-radius:12px;padding:16px 18px;
  text-align:center;
}
.case-kpi-num{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(20px,2.5vw,26px);font-weight:900;
  color:#fff;line-height:1.1;margin-bottom:5px;
}
.case-kpi-label{font-size:11.5px;color:rgba(255,255,255,0.72);line-height:1.4}
.case-kpi.green{background:var(--green)}
.case-kpi.red{background:var(--red)}
.case-kpi.amber{background:#92400e}

/* ── Insight Box ── */
.case-insight{
  display:flex;gap:14px;align-items:flex-start;
  border-radius:11px;padding:15px 18px;
  font-size:13.5px;line-height:1.7;margin-bottom:14px;
}
.case-insight .ci-icon{font-size:20px;flex-shrink:0;margin-top:1px}
.case-insight.blue{
  background:#f0f4ff;border:1px solid rgba(0,40,104,0.15);
  border-left:4px solid var(--navy);color:var(--charcoal);
}
.case-insight.green{
  background:#e6f7f0;border:1px solid rgba(0,135,90,0.18);
  border-left:4px solid var(--green);color:var(--charcoal);
}
.case-insight.amber{
  background:#fffbeb;border:1px solid rgba(180,83,9,0.2);
  border-left:4px solid #d97706;color:var(--charcoal);
}
.case-insight.red{
  background:#fff5f7;border:1px solid rgba(191,10,48,0.15);
  border-left:4px solid var(--red);color:var(--charcoal);
}

/* ── Year-by-Year Mini Table ── */
.mini-table-wrap{
  overflow-x:auto;
  border:1.5px solid var(--border);
  border-radius:12px;margin:16px 0;
}
.mini-table{
  width:100%;border-collapse:collapse;font-size:12.5px;min-width:380px;
}
.mini-table th{
  background:var(--navy);color:#fff;
  padding:9px 14px;text-align:right;
  font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;
  text-transform:uppercase;letter-spacing:0.5px;white-space:nowrap;
}
.mini-table th:first-child{text-align:left}
.mini-table td{
  padding:8px 14px;border-bottom:1px solid var(--border);
  color:var(--charcoal);text-align:right;
  white-space:nowrap;
}
.mini-table td:first-child{text-align:left;font-weight:600}
.mini-table tr:last-child td{border-bottom:none}
.mini-table tr:nth-child(even) td{background:var(--bg)}
.mini-table .highlight td{background:#f0f4ff;font-weight:700;color:var(--navy)}
.mini-table .td-g{color:var(--green);font-weight:700}
.mini-table .td-r{color:var(--red);font-weight:700}

/* ── Disclaimer ── */
.case-disclaimer{
  font-size:11.5px;color:var(--gray);
  background:var(--bg);border:1px solid var(--border);
  border-radius:8px;padding:10px 14px;
  margin-top:20px;line-height:1.6;
}

/* ── CTA ── */
.case-cta-row{
  display:flex;align-items:center;gap:12px;
  padding-top:20px;border-top:1.5px solid var(--border);
  flex-wrap:wrap;
}
.case-cta-text{font-size:13.5px;color:var(--gray);flex:1;min-width:200px}
.case-cta-text strong{color:var(--charcoal)}
.btn-navy{
  display:inline-flex;align-items:center;gap:7px;
  background:var(--navy);color:#fff;
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;
  padding:10px 20px;border-radius:8px;border:none;cursor:pointer;
  text-decoration:none;white-space:nowrap;
  transition:background var(--tr),transform var(--tr);
}
.btn-navy:hover{background:var(--navy-dark);transform:translateY(-1px)}
.btn-navy:active{transform:translateY(0)}

/* ══════════════════════════════════════
   MOBILE
══════════════════════════════════════ */
@media(max-width:768px){
  .rwe-inner{padding:36px 16px 52px}
  .rwe-tabs{flex-wrap:wrap;border-radius:10px}
  .rwe-tab{
    flex:1 1 33%;
    border-right:none;
    border-bottom:1.5px solid var(--border);
    min-width:33%;
  }
  .rwe-tab:nth-child(3),.rwe-tab:nth-child(6){border-right:none}
  .rwe-tab.active::after{display:none}
  .case-banner{padding:20px 18px;gap:14px}
  .case-goal-box{min-width:100%;max-width:100%;margin-left:0}
  .case-body{padding:20px 16px}
  .case-grid{grid-template-columns:1fr}
  .case-result-strip{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:480px){
  .case-result-strip{grid-template-columns:1fr 1fr}
  .case-avatar{width:52px;height:52px;font-size:22px}
  .case-name{font-size:17px}
  .rwe-tab .tab-label{display:none}
  .rwe-tab .tab-emoji{font-size:22px}
  .rwe-tab{padding:12px 4px}
}
/* ══════════════════════════════════════
   SECTION WRAPPER
══════════════════════════════════════ */
.pts-section{
  background:var(--bg);
  border-top:3px solid var(--border);
  padding:0;
}
.pts-inner{
  max-width:1080px;margin:0 auto;
  padding:56px 20px 72px;
}

/* ── Section Header ── */
.pts-hdr{text-align:center;margin-bottom:50px}
.pts-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(0,40,104,0.07);
  border:1px solid rgba(0,40,104,0.15);
  color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:800;
  padding:5px 15px;border-radius:20px;
  letter-spacing:0.5px;text-transform:uppercase;
  margin-bottom:14px;
}
.pts-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(22px,3vw,32px);
  font-weight:900;color:var(--charcoal);
  line-height:1.2;margin-bottom:12px;
  letter-spacing:-0.3px;
}
.pts-title span{color:var(--navy)}
.pts-subtitle{
  font-size:14.5px;color:var(--gray);
  max-width:680px;margin:0 auto;line-height:1.8;
}

/* ══════════════════════════════════════
   QUICK SCORE BAR (top stats)
══════════════════════════════════════ */
.pts-scores{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:14px;margin-bottom:50px;
}
.pts-score-card{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:14px;padding:18px 16px;
  text-align:center;
  box-shadow:var(--shadow-sm);
  transition:transform var(--tr),box-shadow var(--tr);
}
.pts-score-card:hover{
  transform:translateY(-3px);box-shadow:var(--shadow-md);
}
.pts-score-num{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(22px,2.5vw,28px);font-weight:900;
  color:var(--navy);line-height:1;margin-bottom:6px;
}
.pts-score-label{font-size:12px;color:var(--gray);line-height:1.4}

/* ══════════════════════════════════════
   TIP ACCORDION CARDS
══════════════════════════════════════ */
.pts-tips{display:flex;flex-direction:column;gap:16px}

.pts-tip{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:18px;overflow:hidden;
  box-shadow:var(--shadow-sm);
  transition:box-shadow var(--tr);
}
.pts-tip:hover{box-shadow:var(--shadow-md)}

/* ── Tip Header Button ── */
.pts-tip-btn{
  width:100%;display:flex;align-items:center;gap:16px;
  padding:22px 26px;background:none;border:none;
  cursor:pointer;text-align:left;
  transition:background var(--tr);
}
.pts-tip-btn:hover{background:rgba(0,40,104,0.025)}
.pts-tip-btn[aria-expanded="true"]{background:var(--navy-light)}

.tip-number{
  width:40px;height:40px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:15px;font-weight:900;
  color:#fff;flex-shrink:0;
}
.tip-icon-wrap{
  font-size:26px;flex-shrink:0;line-height:1;
}
.tip-hdr-text{flex:1;min-width:0}
.tip-hdr-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(14px,1.8vw,16.5px);font-weight:800;
  color:var(--charcoal);line-height:1.25;margin-bottom:4px;
}
.tip-hdr-sub{
  font-size:12.5px;color:var(--gray);line-height:1.5;
}
.tip-chevron{
  width:30px;height:30px;border-radius:50%;
  background:var(--bg);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
  transition:transform var(--tr),background var(--tr);
  color:var(--navy);font-size:13px;
}
.pts-tip-btn[aria-expanded="true"] .tip-chevron{
  transform:rotate(180deg);
  background:var(--navy);color:#fff;
}

/* ── Accordion Body ── */
.pts-tip-body{
  display:none;padding:0 26px 26px;
}
.pts-tip-body.open{display:block}

/* ── Do/Don't Grid ── */
.dd-grid{
  display:grid;grid-template-columns:1fr 1fr;
  gap:14px;margin-bottom:18px;
}
.dd-block{
  border-radius:12px;padding:18px 18px;
}
.dd-do{
  background:#e8f7f1;
  border:1.5px solid rgba(0,135,90,0.22);
  border-left:4px solid var(--green);
}
.dd-dont{
  background:#fff5f7;
  border:1.5px solid rgba(191,10,48,0.16);
  border-left:4px solid var(--red);
}
.dd-label{
  font-family:'Montserrat',sans-serif;
  font-size:10.5px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.6px;
  margin-bottom:10px;display:flex;align-items:center;gap:6px;
}
.dd-do .dd-label{color:var(--green)}
.dd-dont .dd-label{color:var(--red)}
.dd-item{
  display:flex;align-items:flex-start;gap:8px;
  font-size:13px;line-height:1.65;
  color:var(--charcoal);margin-bottom:7px;
}
.dd-item:last-child{margin-bottom:0}
.dd-item .di-icon{font-size:13px;flex-shrink:0;margin-top:2px}

/* ── Insight Row ── */
.tip-insight{
  display:flex;gap:12px;align-items:flex-start;
  border-radius:10px;padding:14px 16px;
  font-size:13.5px;line-height:1.72;
  margin-bottom:12px;
}
.tip-insight .ti-icon{font-size:19px;flex-shrink:0;margin-top:1px}
.tip-insight.blue{
  background:var(--navy-light);
  border:1px solid rgba(0,40,104,0.14);
  border-left:4px solid var(--navy);
  color:var(--charcoal);
}
.tip-insight.amber{
  background:var(--amber-bg);
  border:1px solid rgba(180,83,9,0.18);
  border-left:4px solid #d97706;
  color:var(--charcoal);
}
.tip-insight.green{
  background:#e6f7f0;
  border:1px solid rgba(0,135,90,0.18);
  border-left:4px solid var(--green);
  color:var(--charcoal);
}

/* ── Data Comparison Mini-table ── */
.tip-table-wrap{
  overflow-x:auto;
  border:1.5px solid var(--border);
  border-radius:10px;margin:12px 0;
}
.tip-table{
  width:100%;border-collapse:collapse;font-size:12.5px;min-width:340px;
}
.tip-table th{
  background:var(--navy);color:#fff;
  padding:8px 14px;text-align:right;
  font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:700;
  text-transform:uppercase;letter-spacing:0.5px;
}
.tip-table th:first-child{text-align:left}
.tip-table td{
  padding:8px 14px;border-bottom:1px solid var(--border);
  color:var(--charcoal);text-align:right;white-space:nowrap;
}
.tip-table td:first-child{text-align:left;font-weight:600;white-space:normal}
.tip-table tr:last-child td{border-bottom:none}
.tip-table tr:nth-child(even) td{background:var(--bg)}
.tip-table .tr-hl td{background:var(--navy-light);font-weight:700;color:var(--navy)}
.td-g{color:var(--green);font-weight:700}
.td-r{color:var(--red);font-weight:700}

/* ── Checklist ── */
.tip-checklist{
  display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));
  gap:8px;margin:12px 0;
}
.tip-check-item{
  display:flex;align-items:flex-start;gap:9px;
  background:var(--bg);border:1px solid var(--border);
  border-radius:8px;padding:10px 12px;
  font-size:13px;color:var(--charcoal);line-height:1.5;
}
.tip-check-item .tci-icon{
  font-size:15px;flex-shrink:0;margin-top:1px;
}

/* ── Formula Box ── */
.tip-formula{
  background:var(--navy);color:#fff;
  border-radius:10px;padding:16px 20px;
  font-family:'Courier New',monospace;
  font-size:13px;line-height:1.8;
  margin:12px 0;
}
.tip-formula .tf-label{
  font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.5px;
  color:rgba(255,255,255,0.6);
  margin-bottom:6px;
  font-style:normal;
}
.tip-formula span.hl{color:#7dd3fc}
.tip-formula span.val{color:#86efac}
.tip-formula span.warn{color:#fcd34d}

/* ── Tag Strip ── */
.tip-tags{display:flex;flex-wrap:wrap;gap:7px;margin-top:14px}
.tip-tag{
  display:inline-block;padding:4px 11px;border-radius:12px;
  font-size:11px;font-weight:600;
  background:rgba(0,40,104,0.08);color:var(--navy);
  border:1px solid rgba(0,40,104,0.14);
}
.tip-tag.green-tag{
  background:rgba(0,135,90,0.1);color:var(--green);
  border-color:rgba(0,135,90,0.2);
}
.tip-tag.red-tag{
  background:rgba(191,10,48,0.08);color:var(--red);
  border-color:rgba(191,10,48,0.15);
}

/* ══════════════════════════════════════
   BOTTOM CTA BANNER
══════════════════════════════════════ */
.pts-cta-banner{
  background:var(--navy);
  border-radius:18px;padding:36px 40px;
  display:flex;align-items:center;gap:28px;
  flex-wrap:wrap;margin-top:48px;
  box-shadow:var(--shadow-lg);
}
.pts-cta-content{flex:1;min-width:260px}
.pts-cta-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(17px,2vw,21px);font-weight:900;
  color:#fff;margin-bottom:8px;line-height:1.25;
}
.pts-cta-sub{font-size:13.5px;color:rgba(255,255,255,0.72);line-height:1.7}
.pts-cta-sub strong{color:#fff}
.pts-cta-btns{display:flex;gap:10px;flex-wrap:wrap;flex-shrink:0}
.btn-white{
  display:inline-flex;align-items:center;gap:7px;
  background:#fff;color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:12px;font-weight:800;
  padding:11px 22px;border-radius:8px;border:none;
  cursor:pointer;text-decoration:none;white-space:nowrap;
  transition:background var(--tr),transform var(--tr);
}
.btn-white:hover{background:#e8f0fe;transform:translateY(-1px)}
.btn-outline-white{
  display:inline-flex;align-items:center;gap:7px;
  background:transparent;color:#fff;
  font-family:'Montserrat',sans-serif;
  font-size:12px;font-weight:800;
  padding:11px 22px;border-radius:8px;
  border:2px solid rgba(255,255,255,0.35);
  cursor:pointer;text-decoration:none;white-space:nowrap;
  transition:border-color var(--tr),background var(--tr),transform var(--tr);
}
.btn-outline-white:hover{border-color:#fff;background:rgba(255,255,255,0.08);transform:translateY(-1px)}

/* ══════════════════════════════════════
   COLOR ACCENTS PER TIP
══════════════════════════════════════ */
.tip-1 .tip-number{background:var(--navy)}
.tip-2 .tip-number{background:#065f46}
.tip-3 .tip-number{background:#7c2d12}
.tip-4 .tip-number{background:#1e3a5f}
.tip-5 .tip-number{background:#581c87}
.tip-1 .pts-tip-btn[aria-expanded="true"]{background:#f0f4ff}
.tip-2 .pts-tip-btn[aria-expanded="true"]{background:#ecfdf5}
.tip-3 .pts-tip-btn[aria-expanded="true"]{background:#fff7ed}
.tip-4 .pts-tip-btn[aria-expanded="true"]{background:#eff6ff}
.tip-5 .pts-tip-btn[aria-expanded="true"]{background:#faf5ff}

/* ══════════════════════════════════════
   MOBILE
══════════════════════════════════════ */
@media(max-width:768px){
  .pts-inner{padding:36px 16px 52px}
  .pts-scores{grid-template-columns:repeat(2,1fr);gap:10px}
  .pts-tip-btn{padding:18px 18px;gap:12px}
  .tip-number{width:34px;height:34px;font-size:13px}
  .tip-icon-wrap{font-size:22px}
  .pts-tip-body{padding:0 16px 20px}
  .dd-grid{grid-template-columns:1fr}
  .tip-checklist{grid-template-columns:1fr}
  .pts-cta-banner{padding:24px 20px;gap:20px}
}
@media(max-width:480px){
  .pts-scores{grid-template-columns:repeat(2,1fr)}
  .pts-score-num{font-size:20px}
  .tip-hdr-title{font-size:13.5px}
  .tip-hdr-sub{font-size:11.5px}
  .tip-chevron{width:26px;height:26px;font-size:11px}
  .pts-cta-btns{width:100%}
  .btn-white,.btn-outline-white{flex:1;justify-content:center}
}
/* ══════════════════════════════════════
   SECTION WRAPPER
══════════════════════════════════════ */
.faq-sec{
  background:var(--bg);
  border-top:3px solid var(--border);
  padding:0;
}
.faq-inner{
  max-width:1080px;
  margin:0 auto;
  padding:52px 20px 72px;
}

/* ── Header ── */
.faq-hdr{text-align:center;margin-bottom:44px}
.faq-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(0,40,104,0.07);
  border:1px solid rgba(0,40,104,0.15);
  color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:800;
  padding:5px 14px;border-radius:20px;
  letter-spacing:0.4px;text-transform:uppercase;
  margin-bottom:14px;
}
.faq-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(22px,3vw,32px);
  font-weight:900;color:var(--charcoal);
  line-height:1.2;margin-bottom:12px;letter-spacing:-0.3px;
}
.faq-title span{color:var(--navy)}
.faq-subtitle{
  font-size:14.5px;color:var(--gray);
  max-width:680px;margin:0 auto;line-height:1.75;
}

/* ── Stats Row ── */
.faq-stats{
  display:flex;justify-content:center;
  gap:32px;flex-wrap:wrap;
  margin-bottom:40px;
  padding:18px 24px;
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:14px;
  box-shadow:var(--shadow-sm);
}
.faq-stat{
  display:flex;align-items:center;gap:10px;
  font-size:13px;color:var(--gray);
}
.faq-stat-num{
  font-family:'Montserrat',sans-serif;
  font-size:20px;font-weight:900;color:var(--navy);
}
.faq-stat-divider{
  width:1px;height:28px;background:var(--border);
}

/* ── Category Filter ── */
.faq-filter{
  display:flex;flex-wrap:wrap;gap:8px;
  margin-bottom:32px;
}
.faq-filter-btn{
  padding:7px 17px;
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:800;
  border-radius:20px;
  border:1.5px solid var(--border);
  background:var(--white);color:var(--gray);
  cursor:pointer;
  transition:all var(--tr);
  white-space:nowrap;
}
.faq-filter-btn:hover{border-color:var(--navy);color:var(--navy);background:rgba(0,40,104,0.04)}
.faq-filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* ── Layout: two-column on desktop ── */
.faq-layout{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  align-items:start;
}

/* ── Accordion Item ── */
.faq-item{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  box-shadow:var(--shadow-sm);
  transition:box-shadow var(--tr), border-color var(--tr);
}
.faq-item.hidden{display:none}
.faq-item:hover{
  box-shadow:var(--shadow-md);
  border-color:rgba(0,40,104,0.2);
}
.faq-item.open{
  border-color:rgba(0,40,104,0.3);
  box-shadow:var(--shadow-md);
}

/* Question row */
.faq-q{
  display:flex;align-items:flex-start;gap:14px;
  padding:18px 20px;
  cursor:pointer;
  user-select:none;
  transition:background var(--tr);
}
.faq-q:hover{background:#f7f9fc}
.faq-item.open .faq-q{background:rgba(0,40,104,0.04)}

.faq-q-num{
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:900;
  color:var(--navy);
  min-width:26px;height:26px;
  border-radius:7px;
  background:rgba(0,40,104,0.1);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;margin-top:1px;
  letter-spacing:0.2px;
}
.faq-item.open .faq-q-num{
  background:var(--navy);color:#fff;
}

.faq-q-text{
  flex:1;
  font-family:'Montserrat',sans-serif;
  font-size:13.5px;font-weight:800;
  color:var(--charcoal);
  line-height:1.45;
}
.faq-item.open .faq-q-text{color:var(--navy)}

.faq-q-icon{
  font-size:18px;color:var(--navy);
  flex-shrink:0;margin-top:2px;
  transition:transform 0.28s ease;
  line-height:1;
  font-style:normal;
}
.faq-item.open .faq-q-icon{transform:rotate(45deg)}

/* Answer */
.faq-a{
  max-height:0;
  overflow:hidden;
  transition:max-height 0.38s ease, padding 0.28s ease;
  padding:0 20px 0 60px;
}
.faq-item.open .faq-a{
  max-height:800px;
  padding:4px 20px 20px 60px;
}
.faq-a p{
  font-size:13.5px;
  color:var(--gray);
  line-height:1.8;
  margin-bottom:10px;
}
.faq-a p:last-child{margin-bottom:0}
.faq-a strong{color:var(--charcoal);font-weight:700}

/* Inline fact box inside answers */
.faq-fact{
  display:flex;gap:10px;align-items:flex-start;
  background:#f0f4ff;
  border-left:4px solid var(--navy);
  border-radius:8px;
  padding:11px 14px;
  font-size:13px;
  color:var(--charcoal);
  line-height:1.65;
  margin:10px 0;
}
.faq-fact.green{background:#e6f7f0;border-left-color:var(--green)}
.faq-fact.amber{background:#fffbeb;border-left-color:#d97706}
.faq-fact.red{background:#fff5f7;border-left-color:var(--red)}
.faq-fact-icon{font-size:16px;flex-shrink:0;margin-top:1px}

/* mini inline table */
.faq-mini-table{
  width:100%;border-collapse:collapse;
  font-size:12.5px;margin:10px 0;
  border:1.5px solid var(--border);
  border-radius:8px;overflow:hidden;
}
.faq-mini-table th{
  background:var(--navy);color:#fff;
  padding:8px 12px;text-align:left;
  font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.5px;
}
.faq-mini-table td{
  padding:7px 12px;
  border-bottom:1px solid var(--border);
  color:var(--charcoal);vertical-align:top;
  line-height:1.5;
}
.faq-mini-table tr:last-child td{border-bottom:none}
.faq-mini-table tr:nth-child(even) td{background:var(--bg)}

/* Cat badge inside question */
.faq-cat{
  display:inline-block;
  font-family:'Montserrat',sans-serif;
  font-size:9px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.4px;
  padding:2px 8px;border-radius:8px;
  margin-left:6px;vertical-align:middle;
  white-space:nowrap;
}
.fc-basics  {background:rgba(0,40,104,0.09);color:var(--navy)}
.fc-tax     {background:rgba(191,10,48,0.09);color:var(--red)}
.fc-sepp    {background:rgba(180,83,9,0.10);color:#b45309}
.fc-qlac    {background:rgba(8,145,178,0.10);color:#0891b2}
.fc-tips    {background:rgba(0,135,90,0.10);color:var(--green)}

/* ── Schema JSON-LD anchor ── */
/* (placed in <head> by integrator) */

/* ── Bottom CTA ── */
.faq-cta{
  background:var(--navy);
  border-radius:20px;
  padding:32px 36px;
  display:flex;align-items:center;gap:24px;
  flex-wrap:wrap;justify-content:space-between;
  margin-top:40px;
}
.faq-cta-text h3{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(16px,2vw,20px);font-weight:900;
  color:#fff;margin-bottom:6px;
}
.faq-cta-text p{
  font-size:13.5px;color:rgba(255,255,255,0.72);
  line-height:1.6;max-width:520px;
}
.faq-cta-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:12.5px;font-weight:800;
  padding:12px 26px;border-radius:10px;
  border:none;cursor:pointer;
  text-decoration:none;white-space:nowrap;
  transition:background var(--tr),transform var(--tr);
  flex-shrink:0;
}
.faq-cta-btn:hover{background:#e8ecf4;transform:translateY(-2px)}

/* ══════════════════════════════════════
   MOBILE
══════════════════════════════════════ */
@media(max-width:860px){
  .faq-layout{grid-template-columns:1fr}
}
@media(max-width:640px){
  .faq-inner{padding:36px 16px 56px}
  .faq-stats{gap:18px;padding:14px 16px}
  .faq-stat-divider{display:none}
  .faq-q{padding:14px 16px;gap:10px}
  .faq-item.open .faq-a{padding:4px 16px 16px 52px}
  .faq-cta{padding:24px 20px}
  .faq-cta-btn{width:100%;justify-content:center}
  .faq-filter-btn{font-size:11px;padding:6px 12px}
}
/* ══════════════════════════════════════
   SECTION WRAPPER
══════════════════════════════════════ */
.rc-section{
  background:var(--white);
  border-top:3px solid var(--border);
  padding:0;
}
.rc-inner{
  max-width:1080px;
  margin:0 auto;
  padding:52px 20px 68px;
}

/* ── Header ── */
.rc-hdr{text-align:center;margin-bottom:44px}

.rc-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(0,40,104,0.07);
  border:1px solid rgba(0,40,104,0.15);
  color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:800;
  padding:5px 14px;border-radius:20px;
  letter-spacing:0.4px;text-transform:uppercase;
  margin-bottom:14px;
}
.rc-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(22px,3vw,32px);
  font-weight:900;color:var(--charcoal);
  line-height:1.2;margin-bottom:12px;letter-spacing:-0.3px;
}
.rc-title span{color:var(--navy)}
.rc-subtitle{
  font-size:14.5px;color:var(--gray);
  max-width:640px;margin:0 auto;line-height:1.75;
}

/* ── Category Filter Pills ── */
.rc-filter-row{
  display:flex;flex-wrap:wrap;gap:8px;
  justify-content:center;
  margin-bottom:36px;
}
.rc-filter-btn{
  padding:7px 18px;
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:800;
  border-radius:20px;border:1.5px solid var(--border);
  background:var(--bg);color:var(--gray);
  cursor:pointer;transition:all var(--tr);
  white-space:nowrap;
}
.rc-filter-btn:hover{
  border-color:var(--navy);color:var(--navy);background:rgba(0,40,104,0.05);
}
.rc-filter-btn.active{
  background:var(--navy);color:#fff;border-color:var(--navy);
}

/* ══════════════════════════════════════
   CARD GRID
══════════════════════════════════════ */
.rc-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(300px,1fr));
  gap:20px;
  margin-bottom:40px;
}

.rc-card{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:16px;
  overflow:hidden;
  box-shadow:var(--shadow-sm);
  text-decoration:none;
  display:flex;flex-direction:column;
  transition:transform var(--tr), box-shadow var(--tr), border-color var(--tr);
  cursor:pointer;
}
.rc-card:hover{
  transform:translateY(-4px);
  box-shadow:var(--shadow-hover);
  border-color:rgba(0,40,104,0.25);
}
.rc-card:active{transform:translateY(-2px)}

/* Card accent top bar */
.rc-card-bar{
  height:4px;
  background:var(--navy);
  flex-shrink:0;
}
.rc-card-bar.green {background:var(--green)}
.rc-card-bar.red   {background:var(--red)}
.rc-card-bar.amber {background:#d97706}
.rc-card-bar.teal  {background:#0891b2}
.rc-card-bar.purple{background:#7c3aed}

.rc-card-body{
  padding:20px 22px 18px;
  flex:1;display:flex;flex-direction:column;
}

/* Icon + category row */
.rc-card-top{
  display:flex;align-items:center;
  justify-content:space-between;
  margin-bottom:14px;
}
.rc-card-icon{
  width:44px;height:44px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:21px;flex-shrink:0;
}
.ic-navy  {background:rgba(0,40,104,0.09)}
.ic-green {background:rgba(0,135,90,0.10)}
.ic-red   {background:rgba(191,10,48,0.09)}
.ic-amber {background:rgba(180,83,9,0.10)}
.ic-teal  {background:rgba(8,145,178,0.09)}
.ic-purple{background:rgba(124,58,237,0.09)}

.rc-cat-pill{
  font-family:'Montserrat',sans-serif;
  font-size:9.5px;font-weight:800;
  text-transform:uppercase;letter-spacing:0.4px;
  padding:3px 9px;border-radius:10px;
}
.cp-insurance {background:rgba(0,40,104,0.09);color:var(--navy)}
.cp-investing  {background:rgba(0,135,90,0.10);color:var(--green)}
.cp-taxes      {background:rgba(191,10,48,0.09);color:var(--red)}
.cp-retirement {background:rgba(8,145,178,0.10);color:#0891b2}
.cp-personal   {background:rgba(180,83,9,0.10);color:#b45309}

/* Card text */
.rc-card-name{
  font-family:'Montserrat',sans-serif;
  font-size:14.5px;font-weight:900;
  color:var(--charcoal);
  line-height:1.3;margin-bottom:8px;
  letter-spacing:-0.1px;
}
.rc-card-desc{
  font-size:12.5px;color:var(--gray);
  line-height:1.65;flex:1;margin-bottom:16px;
}

/* Card footer */
.rc-card-footer{
  display:flex;align-items:center;justify-content:space-between;
  padding-top:14px;
  border-top:1px solid var(--border);
}
.rc-card-stat{
  font-size:11px;color:var(--gray);
  display:flex;align-items:center;gap:5px;
}
.rc-card-stat .dot{
  width:6px;height:6px;border-radius:50%;
  background:var(--green);flex-shrink:0;
}
.rc-card-cta{
  display:inline-flex;align-items:center;gap:5px;
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:800;
  color:var(--navy);text-transform:uppercase;
  letter-spacing:0.3px;
  transition:gap var(--tr),color var(--tr);
}
.rc-card:hover .rc-card-cta{gap:9px;color:var(--navy-dark)}
.rc-card-cta-arrow{
  font-size:13px;transition:transform var(--tr);
}
.rc-card:hover .rc-card-cta-arrow{transform:translateX(3px)}

/* hidden state for filter */
.rc-card.hidden{display:none}

/* ══════════════════════════════════════
   BOTTOM CTA BANNER
══════════════════════════════════════ */
.rc-bottom-banner{
  background:var(--navy);
  border-radius:20px;
  padding:32px 36px;
  display:flex;align-items:center;gap:24px;
  flex-wrap:wrap;
  justify-content:space-between;
}
.rc-bb-text h3{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(16px,2vw,20px);font-weight:900;
  color:#fff;margin-bottom:6px;
}
.rc-bb-text p{
  font-size:13.5px;color:rgba(255,255,255,0.72);
  line-height:1.6;max-width:520px;
}
.rc-bb-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;color:var(--navy);
  font-family:'Montserrat',sans-serif;
  font-size:12.5px;font-weight:800;
  padding:12px 24px;border-radius:10px;
  border:none;cursor:pointer;
  text-decoration:none;white-space:nowrap;
  transition:background var(--tr),transform var(--tr);
  flex-shrink:0;
}
.rc-bb-btn:hover{background:#e8ecf4;transform:translateY(-2px)}
.rc-bb-btn:active{transform:translateY(0)}

/* ══════════════════════════════════════
   MOBILE
══════════════════════════════════════ */
@media(max-width:768px){
  .rc-inner{padding:36px 16px 52px}
  .rc-grid{grid-template-columns:1fr 1fr;gap:14px}
  .rc-bottom-banner{padding:24px 20px;gap:18px}
  .rc-bb-btn{width:100%;justify-content:center}
}
@media(max-width:520px){
  .rc-grid{grid-template-columns:1fr}
  .rc-card-body{padding:16px 16px 14px}
  .rc-filter-btn{font-size:11px;padding:6px 13px}
}
/* ══════════════════════════════════════
   SECTION SHELL
══════════════════════════════════════ */
.ld-section{
  background:var(--white);
  border-top:3px solid var(--border);
}
.ld-inner{
  max-width:1080px;
  margin:0 auto;
  padding:52px 20px 72px;
}

/* ══ HEADER ══ */
.ld-hdr{
  display:flex;align-items:flex-start;gap:22px;
  padding:28px 30px;
  background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 60%,#1e4d7b 100%);
  border-radius:18px;
  margin-bottom:36px;
  position:relative;overflow:hidden;
}
.ld-hdr::before{
  content:'';position:absolute;inset:0;
  background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px);
}
.ld-hdr-icon{
  font-size:38px;flex-shrink:0;
  position:relative;z-index:1;
  margin-top:2px;
}
.ld-hdr-body{position:relative;z-index:1}
.ld-hdr-eyebrow{
  display:inline-flex;align-items:center;gap:7px;
  background:rgba(252,211,77,0.15);
  border:1px solid rgba(252,211,77,0.4);
  color:#fcd34d;
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:800;
  padding:4px 13px;border-radius:20px;
  letter-spacing:0.4px;text-transform:uppercase;
  margin-bottom:10px;
}
.ld-hdr-title{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(19px,2.5vw,26px);
  font-weight:900;color:#fff;
  line-height:1.2;margin-bottom:8px;letter-spacing:-0.3px;
}
.ld-hdr-title span{color:#fcd34d}
.ld-hdr-sub{
  font-size:13.5px;color:rgba(255,255,255,0.78);
  line-height:1.7;max-width:680px;
}

/* ══ TWO-COL GRID ══ */
.ld-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
  margin-bottom:22px;
}
.ld-grid-full{
  grid-column:1/-1;
}

/* ══ CARD BASE ══ */
.ld-card{
  background:var(--white);
  border:1.5px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  box-shadow:var(--shadow-sm);
}

/* Card header stripe */
.ld-card-hdr{
  display:flex;align-items:center;gap:10px;
  padding:14px 18px;
  border-bottom:1.5px solid var(--border);
  background:var(--bg);
}
.ld-card-hdr-icon{font-size:18px;flex-shrink:0}
.ld-card-hdr-label{
  font-family:'Montserrat',sans-serif;
  font-size:12px;font-weight:900;
  color:var(--charcoal);text-transform:uppercase;
  letter-spacing:0.4px;
}
.ld-card-hdr-label span{
  font-size:9.5px;font-weight:700;
  padding:2px 8px;border-radius:8px;
  margin-left:8px;vertical-align:middle;
}
.badge-required{background:rgba(191,10,48,0.1);color:var(--red)}
.badge-policy  {background:rgba(0,40,104,0.09);color:var(--navy)}
.badge-gov     {background:rgba(0,135,90,0.10);color:var(--green)}

.ld-card-body{padding:18px 20px}

/* ══ DISCLAIMER BOX (main big one) ══ */
.ld-disclaimer-box{
  background:#fff5f7;
  border:2px solid rgba(191,10,48,0.2);
  border-radius:14px;
  padding:22px 24px;
  margin-bottom:22px;
}
.ld-disclaimer-box .ld-dbox-hdr{
  display:flex;align-items:center;gap:10px;
  margin-bottom:14px;
}
.ld-disclaimer-box .ld-dbox-hdr-icon{font-size:22px}
.ld-disclaimer-box .ld-dbox-hdr-text{
  font-family:'Montserrat',sans-serif;
  font-size:13.5px;font-weight:900;
  color:var(--red);text-transform:uppercase;letter-spacing:0.4px;
}
.ld-disclaimer-box p{
  font-size:13px;color:var(--charcoal);
  line-height:1.8;margin-bottom:10px;
}
.ld-disclaimer-box p:last-child{margin-bottom:0}
.ld-disclaimer-box strong{color:var(--charcoal);font-weight:700}

/* ══ BODY TEXT in cards ══ */
.ld-card-body p{
  font-size:13px;color:var(--gray);
  line-height:1.8;margin-bottom:10px;
}
.ld-card-body p:last-child{margin-bottom:0}
.ld-card-body strong{color:var(--charcoal);font-weight:700}

/* ══ LIST ══ */
.ld-list{
  list-style:none;padding:0;margin:0;
  display:flex;flex-direction:column;gap:9px;
}
.ld-list li{
  display:flex;align-items:flex-start;gap:9px;
  font-size:13px;color:var(--gray);line-height:1.7;
}
.ld-list li .li-icon{
  font-size:14px;flex-shrink:0;margin-top:1px;
}

/* ══ GOV LINKS TABLE ══ */
.ld-gov-grid{
  display:flex;flex-direction:column;gap:10px;
}
.ld-gov-link{
  display:flex;align-items:center;gap:14px;
  padding:13px 16px;
  background:var(--bg);
  border:1.5px solid var(--border);
  border-radius:10px;
  text-decoration:none;
  transition:all var(--tr);
}
.ld-gov-link:hover{
  border-color:rgba(0,40,104,0.3);
  background:#eef3fc;
  box-shadow:var(--shadow-sm);
  transform:translateX(3px);
}
.ld-gov-icon{
  font-size:22px;flex-shrink:0;
}
.ld-gov-body{flex:1;min-width:0}
.ld-gov-name{
  font-family:'Montserrat',sans-serif;
  font-size:12.5px;font-weight:900;
  color:var(--charcoal);margin-bottom:2px;
}
.ld-gov-desc{
  font-size:11.5px;color:var(--gray);
  line-height:1.5;
}
.ld-gov-url{
  font-size:10.5px;color:var(--navy);
  font-weight:600;white-space:nowrap;
  display:flex;align-items:center;gap:4px;
  flex-shrink:0;
}
.ld-gov-url::after{content:"→";font-size:11px}

/* ══ EDITORIAL TRANSPARENCY GRID ══ */
.ld-et-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
}
.ld-et-card{
  background:var(--bg);
  border:1.5px solid var(--border);
  border-radius:12px;
  padding:16px;
  text-align:center;
}
.ld-et-card .et-icon{font-size:26px;margin-bottom:8px}
.ld-et-card .et-title{
  font-family:'Montserrat',sans-serif;
  font-size:11.5px;font-weight:900;
  color:var(--charcoal);text-transform:uppercase;
  letter-spacing:0.4px;margin-bottom:6px;
}
.ld-et-card .et-body{
  font-size:12px;color:var(--gray);line-height:1.65;
}

/* ══ FORMULA SOURCE ROW ══ */
.ld-formula-row{
  display:flex;flex-direction:column;gap:8px;
}
.ld-formula-item{
  display:flex;align-items:flex-start;gap:12px;
  padding:11px 14px;
  background:var(--bg);
  border:1.5px solid var(--border);
  border-radius:9px;
  font-size:12.5px;
  color:var(--charcoal);
  line-height:1.6;
}
.ld-formula-item .fi-badge{
  font-family:'Montserrat',sans-serif;
  font-size:9.5px;font-weight:900;
  text-transform:uppercase;letter-spacing:0.3px;
  padding:3px 8px;border-radius:7px;
  white-space:nowrap;flex-shrink:0;
  margin-top:1px;
}
.fi-tab1{background:rgba(0,40,104,0.1);color:var(--navy)}
.fi-tab2{background:rgba(8,145,178,0.1);color:#0891b2}
.fi-tab3{background:rgba(180,83,9,0.1);color:#b45309}
.fi-tab4{background:rgba(0,135,90,0.1);color:var(--green)}

/* ══ LAST UPDATED BAR ══ */
.ld-update-bar{
  display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:12px;
  background:var(--bg);
  border:1.5px solid var(--border);
  border-radius:12px;
  padding:14px 20px;
  margin-top:22px;
  font-size:12.5px;color:var(--gray);
}
.ld-update-bar .ub-left{
  display:flex;align-items:center;gap:10px;
}
.ld-update-bar .ub-dot{
  width:8px;height:8px;
  border-radius:50%;
  background:var(--green);
  flex-shrink:0;
}
.ld-update-bar strong{color:var(--charcoal);font-weight:700}
.ld-update-bar .ub-links{
  display:flex;gap:16px;flex-wrap:wrap;
}
.ld-update-bar a{
  color:var(--navy);font-size:12px;font-weight:600;
  text-decoration:none;
  transition:color var(--tr);
}
.ld-update-bar a:hover{color:var(--navy-dark);text-decoration:underline}

/* ══ SECTION DIVIDER LABEL ══ */
.ld-section-label{
  font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:900;
  text-transform:uppercase;letter-spacing:0.6px;
  color:var(--gray);
  display:flex;align-items:center;gap:10px;
  margin:28px 0 14px;
}
.ld-section-label::before,.ld-section-label::after{
  content:'';flex:1;height:1px;background:var(--border);
}

/* ══ MOBILE ══ */
@media(max-width:820px){
  .ld-grid{grid-template-columns:1fr}
  .ld-grid-full{grid-column:1}
  .ld-et-grid{grid-template-columns:1fr 1fr}
  .ld-hdr{flex-direction:column;gap:14px;padding:22px 20px}
}
@media(max-width:540px){
  .ld-inner{padding:32px 16px 52px}
  .ld-et-grid{grid-template-columns:1fr}
  .ld-hdr-icon{display:none}
  .ld-gov-link{flex-wrap:wrap;gap:8px}
  .ld-gov-url{width:100%;justify-content:flex-end}
  .ld-disclaimer-box{padding:18px 16px}
  .ld-card-body{padding:14px 16px}
  .ld-update-bar{flex-direction:column;align-items:flex-start}
}

/* --- FIX: Make highlighted rows readable (White text on Navy background) --- */
.result-row.highlight {
  background: var(--navy) !important;
  border-color: var(--navy) !important;
}

.result-row.highlight .row-label,
.result-row.highlight .row-val {
  color: var(--white) !important;
  font-weight: 700 !important;
}
#s-results,
#s-results p,
#s-results strong,
#s-results .label,
#s-results .amount,
#s-results .sub,
#s-results .chart-title,
#s-results .row-label, /* Assuming these are generated dynamically inside s-rows */
#s-results .row-val {
    color: #ffffff !important;
}

#s-results svg {
    stroke: #ffffff !important;
}