:root{
    --navy:#002868; --green:#00843D; --red:#BF0A30;
    --light-bg:#F8F9FF; --card-bg:#FFFFFF; --border:#D0D5E8;
    --text:#1A1F36; --muted:#6B7280; --wa:#25D366;
    --amber:#F59E0B; --purple:#6366F1;
  }
  *,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
  body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6;}
  .page-wrap{max-width:1200px;margin:0 auto;padding:24px 16px 48px;}

  .calc-header{background:var(--navy);color:#fff;border-radius:14px;padding:28px 32px;margin-bottom:24px;}
  .calc-header h1{font-family:'Montserrat',sans-serif;font-size:clamp(1.3rem,3vw,1.85rem);font-weight:800;margin-bottom:6px;}
  .calc-header p{font-size:0.9rem;opacity:.85;max-width:740px;}

  .ad-slot{background:#e8eaf6;border:2px dashed var(--border);border-radius:8px;padding:18px;text-align:center;color:var(--muted);font-size:0.8rem;margin-bottom:24px;}

  .tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:20px;}
  .tab-btn{font-family:'Montserrat',sans-serif;font-size:0.78rem;font-weight:700;padding:8px 13px;border:2px solid var(--border);border-radius:20px;background:#fff;color:var(--muted);cursor:pointer;transition:all .2s;white-space:nowrap;}
  .tab-btn.active{background:var(--navy);color:#fff;border-color:var(--navy);}
  .tab-btn:hover:not(.active){border-color:var(--navy);color:var(--navy);}
  .tab-panel{display:none;}.tab-panel.active{display:block;}

  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
  @media(max-width:768px){.two-col{grid-template-columns:1fr;}}

  .card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:24px;}
  .card h2{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:18px;display:flex;align-items:center;gap:8px;}

  .field{margin-bottom:13px;}
  .field label{display:block;font-size:0.78rem;font-weight:600;color:var(--muted);margin-bottom:4px;text-transform:uppercase;letter-spacing:.04em;}
  .field input,.field select{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;font-family:'Inter',sans-serif;font-size:0.93rem;color:var(--text);background:#fff;transition:border-color .2s;}
  .field input:focus,.field select:focus{outline:none;border-color:var(--navy);}
  .field .hint{font-size:0.73rem;color:var(--muted);margin-top:3px;}
  .field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  @media(max-width:480px){.field-row{grid-template-columns:1fr;}}

  .btn-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px;}
  .btn{padding:11px 20px;border-radius:8px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:0.87rem;cursor:pointer;transition:opacity .2s,transform .1s;border:2px solid transparent;}
  .btn:active{transform:scale(.97);}
  .btn-calc{background:var(--green);color:#fff;}
  .btn-clear{background:#fff;color:var(--red);border-color:var(--red);}
  .btn-pdf{background:var(--navy);color:#fff;}
  .btn-wa{background:var(--wa);color:#fff;}
  .btn:hover{opacity:.88;}
  .btn-add{background:none;border:2px dashed var(--green);color:var(--green);border-radius:8px;padding:7px 14px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:0.8rem;cursor:pointer;margin-top:4px;}
  .btn-add:hover{background:#e8f4ec;}

  .result-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:16px;margin-bottom:13px;}
  .result-box h3{font-family:'Montserrat',sans-serif;font-size:0.76rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:11px;}
  .kpi-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;}
  .kpi-grid.three{grid-template-columns:repeat(3,1fr);}
  .kpi-grid.four{grid-template-columns:repeat(4,1fr);}
  @media(max-width:520px){.kpi-grid,.kpi-grid.three,.kpi-grid.four{grid-template-columns:1fr 1fr;}}
  .kpi{background:#fff;border-radius:8px;padding:12px 14px;border:1px solid var(--border);}
  .kpi .label{font-size:0.71rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;}
  .kpi .value{font-family:'Montserrat',sans-serif;font-size:1.12rem;font-weight:800;color:var(--navy);margin-top:2px;}
  .kpi .value.green{color:var(--green);} .kpi .value.red{color:var(--red);}
  .kpi .value.amber{color:var(--amber);}
  .kpi .sub{font-size:0.7rem;color:var(--muted);margin-top:2px;}

  .breakdown-table{width:100%;border-collapse:collapse;font-size:0.82rem;}
  .breakdown-table th{background:var(--navy);color:#fff;padding:8px 10px;text-align:right;font-family:'Montserrat',sans-serif;font-weight:700;font-size:0.74rem;}
  .breakdown-table th:first-child{text-align:left;}
  .breakdown-table td{padding:7px 10px;border-bottom:1px solid var(--border);text-align:right;}
  .breakdown-table td:first-child{text-align:left;}
  .breakdown-table tr:nth-child(even) td{background:var(--light-bg);}
  .breakdown-table .total-row td{font-weight:700;color:var(--navy);background:#e6eaf5;}

  .chart-wrap{position:relative;height:250px;margin-top:14px;}
  .chart-wrap-sm{position:relative;height:200px;margin-top:14px;}

  .info-box{background:#e6eaf5;border-left:4px solid var(--navy);border-radius:6px;padding:11px 14px;font-size:0.81rem;color:var(--text);margin-bottom:13px;}
  .info-box strong{color:var(--navy);}
  .warn-box{background:#fde8ec;border-left:4px solid var(--red);border-radius:6px;padding:11px 14px;font-size:0.81rem;margin-bottom:13px;}
  .win-box{background:#e8f4ec;border-left:4px solid var(--green);border-radius:6px;padding:11px 14px;font-size:0.81rem;margin-bottom:13px;}
  .amber-box{background:#fef3c7;border-left:4px solid var(--amber);border-radius:6px;padding:11px 14px;font-size:0.81rem;margin-bottom:13px;}

  .section-title{font-family:'Montserrat',sans-serif;font-size:0.82rem;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;border-bottom:2px solid var(--border);padding-bottom:5px;margin:16px 0 11px;}

  .placeholder-msg{text-align:center;color:var(--muted);font-size:0.87rem;padding:36px 16px;}
  .placeholder-msg .big{font-size:2.4rem;display:block;margin-bottom:10px;}

  .badge{display:inline-block;padding:3px 10px;border-radius:14px;font-size:0.74rem;font-weight:700;font-family:'Montserrat',sans-serif;}
  .badge-green{background:#e8f4ec;color:var(--green);}
  .badge-red{background:#fde8ec;color:var(--red);}
  .badge-navy{background:#e6eaf5;color:var(--navy);}
  .badge-amber{background:#fef3c7;color:#92400e;}

  /* CF row table */
  .cf-table{width:100%;border-collapse:collapse;font-size:0.85rem;}
  .cf-table th{background:#f1f3fb;color:var(--muted);padding:7px 10px;font-size:0.73rem;font-weight:700;text-align:left;text-transform:uppercase;letter-spacing:.04em;}
  .cf-table td{padding:5px 6px;border-bottom:1px solid var(--border);}
  .cf-table input{width:100%;padding:6px 8px;border:1.5px solid var(--border);border-radius:6px;font-size:0.87rem;font-family:Inter,sans-serif;}
  .cf-table input:focus{outline:none;border-color:var(--navy);}
  .cf-table .rm-btn{background:none;border:none;color:var(--red);font-size:0.95rem;cursor:pointer;padding:4px 6px;}

  /* Decision badge large */
  .decision-badge{display:flex;align-items:center;justify-content:center;border-radius:12px;padding:16px 20px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.5rem;margin:12px 0;}
  .decision-go{background:#e8f4ec;color:var(--green);border:3px solid var(--green);}
  .decision-nogo{background:#fde8ec;color:var(--red);border:3px solid var(--red);}
  .decision-caution{background:#fef3c7;color:#92400e;border:3px solid var(--amber);}

  /* Sensitivity matrix */
  .matrix-wrap{overflow-x:auto;}
  .matrix-table{border-collapse:collapse;font-size:0.79rem;min-width:500px;}
  .matrix-table th{background:var(--navy);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:0.73rem;text-align:center;}
  .matrix-table td{padding:7px 10px;text-align:center;border:1px solid var(--border);}
  .m-low{background:#e8f4ec;color:var(--green);}
  .m-mid{background:#fef3c7;color:#92400e;}
  .m-high{background:#fde8ec;color:var(--red);}
  .m-header{background:#e6eaf5;font-weight:700;color:var(--navy);}

  /* Project comparison */
  .proj-block{border:1.5px solid var(--border);border-radius:10px;padding:16px;margin-bottom:14px;}
  .proj-block h4{font-family:'Montserrat',sans-serif;font-size:0.85rem;font-weight:700;color:var(--navy);margin-bottom:10px;}
  .proj-cf-row{display:grid;grid-template-columns:repeat(auto-fill,minmax(90px,1fr));gap:6px;margin-bottom:8px;}
  .proj-cf-row input{width:100%;padding:6px 8px;border:1.5px solid var(--border);border-radius:6px;font-size:0.83rem;font-family:Inter,sans-serif;}
  .proj-cf-row input:focus{outline:none;border-color:var(--navy);}
  /* ── Section-only styles (all scoped, no conflicts) ─────────── */
.irr-edu-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 56px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
}

/* ── Section Header ─────────────────────────────────────────── */
.irr-sec-hdr {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 14px;
  padding: 32px;
  margin-bottom: 32px;
  color: #fff;
}
.irr-sec-hdr h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.2rem, 3vw, 1.65rem);
  font-weight: 800;
  margin: 0 0 8px;
  color: #fff;
}
.irr-sec-hdr p {
  font-size: 0.92rem;
  opacity: 0.88;
  max-width: 760px;
  margin: 0;
  line-height: 1.6;
}

/* ── Cards (matches .card in calculator) ────────────────────── */
.irr-card {
  background: #FFFFFF;
  border: 1px solid #D0D5E8;
  border-radius: 12px;
  padding: 24px;
  margin-bottom: 20px;
}
.irr-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: #002868;
  margin: 0 0 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.irr-card h4 {
  font-family: Montserrat, sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  color: #002868;
  margin: 20px 0 10px;
}

/* ── Grid layouts ───────────────────────────────────────────── */
.irr-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.irr-three-col {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.irr-four-col {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
@media (max-width: 900px) {
  .irr-three-col { grid-template-columns: 1fr 1fr; }
  .irr-four-col  { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .irr-two-col   { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .irr-three-col { grid-template-columns: 1fr; }
  .irr-four-col  { grid-template-columns: 1fr 1fr; }
}

/* ── Step cards (How to Use) ────────────────────────────────── */
.irr-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-top: 4px;
}
.irr-step {
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 10px;
  padding: 18px 16px;
  position: relative;
}
.irr-step-num {
  width: 30px;
  height: 30px;
  background: #002868;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.82rem;
  margin-bottom: 10px;
  flex-shrink: 0;
}
.irr-step-title {
  font-family: Montserrat, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: #002868;
  margin-bottom: 6px;
}
.irr-step p {
  font-size: 0.79rem;
  color: #6B7280;
  margin: 0;
  line-height: 1.5;
}
@media (max-width: 900px) { .irr-steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .irr-steps { grid-template-columns: 1fr; } }

/* ── Formula box ────────────────────────────────────────────── */
.irr-formula {
  background: #1A1F36;
  color: #e8ecff;
  border-radius: 10px;
  padding: 16px 20px;
  margin: 12px 0;
  font-family: 'Courier New', Courier, monospace;
  font-size: 0.88rem;
  line-height: 1.7;
  overflow-x: auto;
}
.irr-formula .f-comment {
  color: #6B7280;
  font-style: italic;
}
.irr-formula .f-key {
  color: #7dd3fc;
  font-weight: 700;
}
.irr-formula .f-val {
  color: #86efac;
}
.irr-formula .f-op {
  color: #fbbf24;
}

/* ── Mode pills ─────────────────────────────────────────────── */
.irr-mode-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 4px;
}
.irr-mode-pill {
  background: #F8F9FF;
  border: 1.5px solid #D0D5E8;
  border-radius: 10px;
  padding: 14px 12px;
  text-align: center;
  transition: border-color 0.2s;
}
.irr-mode-pill:hover { border-color: #002868; }
.irr-mode-pill .mp-icon { font-size: 1.5rem; margin-bottom: 6px; }
.irr-mode-pill .mp-name {
  font-family: Montserrat, sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: #002868;
  margin-bottom: 3px;
}
.irr-mode-pill .mp-desc {
  font-size: 0.71rem;
  color: #6B7280;
  line-height: 1.4;
}
@media (max-width: 900px) { .irr-mode-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .irr-mode-grid { grid-template-columns: 1fr 1fr; } }

/* ── Info / warn / win / amber boxes (matches calculator) ───── */
.irr-info-box {
  background: #e6eaf5;
  border-left: 4px solid #002868;
  border-radius: 6px;
  padding: 11px 14px;
  font-size: 0.81rem;
  color: #1A1F36;
  margin-bottom: 13px;
}
.irr-info-box strong { color: #002868; }
.irr-win-box {
  background: #e8f4ec;
  border-left: 4px solid #00843D;
  border-radius: 6px;
  padding: 11px 14px;
  font-size: 0.81rem;
  margin-bottom: 13px;
}
.irr-warn-box {
  background: #fde8ec;
  border-left: 4px solid #BF0A30;
  border-radius: 6px;
  padding: 11px 14px;
  font-size: 0.81rem;
  margin-bottom: 13px;
}
.irr-amber-box {
  background: #fef3c7;
  border-left: 4px solid #F59E0B;
  border-radius: 6px;
  padding: 11px 14px;
  font-size: 0.81rem;
  margin-bottom: 13px;
}

/* ── Section title divider (matches .section-title) ─────────── */
.irr-sec-title {
  font-family: Montserrat, sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid #D0D5E8;
  padding-bottom: 5px;
  margin: 20px 0 14px;
}

/* ── KPI tiles (matches .kpi) ───────────────────────────────── */
.irr-kpi-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin: 12px 0;
}
.irr-kpi {
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 8px;
  padding: 12px 14px;
}
.irr-kpi .kl {
  font-size: 0.71rem;
  font-weight: 600;
  color: #6B7280;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.irr-kpi .kv {
  font-family: Montserrat, sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: #002868;
  margin-top: 2px;
}
.irr-kpi .kv.green { color: #00843D; }
.irr-kpi .kv.red   { color: #BF0A30; }
.irr-kpi .kv.amber { color: #F59E0B; }
.irr-kpi .ks {
  font-size: 0.69rem;
  color: #6B7280;
  margin-top: 2px;
}
@media (max-width: 768px) { .irr-kpi-row { grid-template-columns: 1fr 1fr; } }

/* ── Comparison table (matches .breakdown-table) ────────────── */
.irr-cmp-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  margin: 12px 0;
}
.irr-cmp-table th {
  background: #002868;
  color: #fff;
  padding: 9px 12px;
  text-align: left;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.74rem;
}
.irr-cmp-table th:not(:first-child) { text-align: center; }
.irr-cmp-table td {
  padding: 8px 12px;
  border-bottom: 1px solid #D0D5E8;
  color: #1A1F36;
}
.irr-cmp-table td:not(:first-child) { text-align: center; }
.irr-cmp-table tr:nth-child(even) td { background: #F8F9FF; }
.irr-cmp-table .tr-total td {
  font-weight: 700;
  color: #002868;
  background: #e6eaf5;
}
.irr-cmp-table .c-green { color: #00843D; font-weight: 700; }
.irr-cmp-table .c-red   { color: #BF0A30; font-weight: 700; }
.irr-cmp-table .c-amber { color: #F59E0B; font-weight: 700; }
.irr-table-scroll { overflow-x: auto; }

/* ── Badge (matches .badge) ─────────────────────────────────── */
.irr-badge {
  display: inline-block;
  padding: 2px 9px;
  border-radius: 14px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
}
.irr-badge.bg  { background: #e8f4ec; color: #00843D; }
.irr-badge.br  { background: #fde8ec; color: #BF0A30; }
.irr-badge.bn  { background: #e6eaf5; color: #002868; }
.irr-badge.ba  { background: #fef3c7; color: #92400e; }

/* ── Pro tips list ──────────────────────────────────────────── */
.irr-tips-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 4px;
}
.irr-tip {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 8px;
  padding: 14px;
}
.irr-tip-num {
  min-width: 26px;
  height: 26px;
  background: #00843D;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.75rem;
  flex-shrink: 0;
}
.irr-tip-body strong {
  display: block;
  font-size: 0.8rem;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  color: #002868;
  margin-bottom: 3px;
}
.irr-tip-body p {
  font-size: 0.78rem;
  color: #6B7280;
  margin: 0;
  line-height: 1.5;
}
@media (max-width: 600px) { .irr-tips-grid { grid-template-columns: 1fr; } }

/* ── Decision badge (large, matches calculator) ─────────────── */
.irr-decision-eg {
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  padding: 14px 20px;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 1.2rem;
  margin: 8px 0;
}
.irr-decision-go   { background: #e8f4ec; color: #00843D; border: 3px solid #00843D; }
.irr-decision-nogo { background: #fde8ec; color: #BF0A30; border: 3px solid #BF0A30; }
.irr-decision-caut { background: #fef3c7; color: #92400e; border: 3px solid #F59E0B; }

/* ── Worked example timeline ────────────────────────────────── */
.irr-cf-timeline {
  display: flex;
  gap: 0;
  overflow-x: auto;
  padding-bottom: 8px;
  margin: 14px 0;
}
.irr-cf-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 70px;
  flex: 1;
  position: relative;
}
.irr-cf-node:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 18px;
  right: -1px;
  width: 100%;
  height: 2px;
  background: #D0D5E8;
  z-index: 0;
}
.irr-cf-dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.7rem;
  z-index: 1;
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(0,40,104,0.15);
}
.irr-cf-dot.neg { background: #BF0A30; color: #fff; }
.irr-cf-dot.pos { background: #00843D; color: #fff; }
.irr-cf-period  { font-size: 0.68rem; color: #6B7280; margin-top: 5px; font-weight: 600; }
.irr-cf-amt     { font-size: 0.73rem; color: #1A1F36; font-weight: 700; font-family: Montserrat, sans-serif; }

/* ── CTA strip ──────────────────────────────────────────────── */
.irr-cta-strip {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 12px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.irr-cta-strip h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 4px;
}
.irr-cta-strip p { font-size: 0.83rem; color: rgba(255,255,255,0.82); margin: 0; }
.irr-cta-btn {
  background: #00843D;
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 11px 22px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.87rem;
  cursor: pointer;
  white-space: nowrap;
  text-decoration: none;
  display: inline-block;
  transition: opacity 0.2s;
}
.irr-cta-btn:hover { opacity: 0.88; }
@media (max-width: 600px) { .irr-cta-strip { flex-direction: column; align-items: flex-start; } }

/* ── Responsive body text ───────────────────────────────────── */
.irr-edu-wrap p { font-size: 0.88rem; line-height: 1.65; color: #1A1F36; margin: 0 0 10px; }
.irr-edu-wrap ul, .irr-edu-wrap ol {
  padding-left: 18px;
  margin: 8px 0 12px;
  font-size: 0.85rem;
  color: #1A1F36;
  line-height: 1.7;
}
.irr-edu-wrap li { margin-bottom: 4px; }
/* ── Scoped wrapper ─────────────────────────────────────────── */
.irr-ex-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 56px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
  font-size: 0.88rem;
  line-height: 1.65;
}

/* ── Section header (navy gradient — matches calc header) ───── */
.irr-ex-hdr {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 14px;
  padding: 32px;
  margin-bottom: 28px;
  color: #fff;
}
.irr-ex-hdr h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.2rem, 3vw, 1.65rem);
  font-weight: 800;
  margin: 0 0 8px;
  color: #fff;
}
.irr-ex-hdr p {
  font-size: 0.92rem;
  opacity: 0.88;
  max-width: 780px;
  margin: 0;
  line-height: 1.6;
}
.irr-ex-hdr .ex-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}
.irr-ex-hdr .ex-pill {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.76rem;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
}

/* ── Example card container ─────────────────────────────────── */
.irr-ex-card {
  background: #FFFFFF;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 28px;
  box-shadow: 0 2px 12px rgba(0,40,104,0.07);
}

/* ── Card top bar ───────────────────────────────────────────── */
.irr-ex-topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 24px;
  flex-wrap: wrap;
}
.irr-ex-topbar.navy  { background: #002868; }
.irr-ex-topbar.green { background: #00843D; }
.irr-ex-topbar.amber { background: #b45309; }
.irr-ex-topbar.red   { background: #9b1c2e; }
.irr-ex-topbar.purple{ background: #4338ca; }

.irr-ex-num {
  font-family: Montserrat, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.irr-ex-topbar h3 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(0.95rem, 2.5vw, 1.1rem);
  font-weight: 800;
  color: #fff;
  margin: 2px 0 0;
}
.irr-ex-topbar .ex-sector {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.75);
  margin-top: 2px;
}
.irr-ex-verdict {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 3px;
}
.irr-ex-verdict-badge {
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 1rem;
  padding: 6px 16px;
  border-radius: 8px;
  white-space: nowrap;
}
.vb-go   { background: #e8f4ec; color: #00843D; border: 2px solid #00843D; }
.vb-nogo { background: #fde8ec; color: #BF0A30; border: 2px solid #BF0A30; }
.vb-caut { background: #fef3c7; color: #92400e; border: 2px solid #F59E0B; }
.irr-ex-verdict .irr-vs  {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
}

/* ── Card body ──────────────────────────────────────────────── */
.irr-ex-body { padding: 24px; }

/* ── Grid layouts ───────────────────────────────────────────── */
.irr-ex-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 768px) {
  .irr-ex-two { grid-template-columns: 1fr; }
}

/* ── Scenario overview strip ────────────────────────────────── */
.irr-ex-overview {
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 10px;
  padding: 16px 18px;
  margin-bottom: 18px;
}
.irr-ex-overview p { margin: 0 0 8px; font-size: 0.86rem; color: #1A1F36; }
.irr-ex-overview p:last-child { margin: 0; }
.irr-ex-overview strong { color: #002868; }

/* ── KPI result tiles (matches .kpi in calculator) ──────────── */
.irr-ex-kpis {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 9px;
  margin: 14px 0;
}
@media (max-width: 600px) {
  .irr-ex-kpis { grid-template-columns: 1fr 1fr; }
}
.irr-ex-kpi {
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 8px;
  padding: 12px 13px;
}
.irr-ex-kpi .kl {
  font-size: 0.69rem;
  font-weight: 600;
  color: #6B7280;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.irr-ex-kpi .kv {
  font-family: Montserrat, sans-serif;
  font-size: 1.08rem;
  font-weight: 800;
  color: #002868;
  margin-top: 2px;
}
.irr-ex-kpi .kv.g { color: #00843D; }
.irr-ex-kpi .kv.r { color: #BF0A30; }
.irr-ex-kpi .kv.a { color: #F59E0B; }
.irr-ex-kpi .ks {
  font-size: 0.68rem;
  color: #6B7280;
  margin-top: 2px;
}

/* ── Section divider title (matches .section-title) ─────────── */
.irr-ex-stitle {
  font-family: Montserrat, sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid #D0D5E8;
  padding-bottom: 5px;
  margin: 18px 0 12px;
}

/* ── Cash flow timeline ─────────────────────────────────────── */
.irr-ex-timeline {
  display: flex;
  flex-wrap: nowrap;
  gap: 0;
  overflow-x: auto;
  padding-bottom: 6px;
  margin: 12px 0 16px;
  scrollbar-width: thin;
}
.irr-ex-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 72px;
  flex: 1;
  position: relative;
}
.irr-ex-node:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 17px;
  left: 50%;
  width: 100%;
  height: 2px;
  background: #D0D5E8;
  z-index: 0;
}
.irr-ex-dot {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.65rem;
  z-index: 1;
  border: 2px solid #fff;
  box-shadow: 0 1px 4px rgba(0,40,104,0.15);
  text-align: center;
  line-height: 1.2;
}
.irr-ex-dot.neg  { background: #BF0A30; color: #fff; }
.irr-ex-dot.pos  { background: #00843D; color: #fff; }
.irr-ex-dot.exit { background: #002868; color: #fff; }
.irr-ex-dot.mixed{ background: #F59E0B; color: #fff; }
.irr-ex-period   { font-size: 0.65rem; color: #6B7280; margin-top: 5px; font-weight: 600; text-align: center; }
.irr-ex-amt      { font-size: 0.71rem; font-weight: 700; font-family: Montserrat, sans-serif; text-align: center; margin-top: 1px; }

/* ── DCF Table (matches .breakdown-table) ───────────────────── */
.irr-ex-tbl-wrap { overflow-x: auto; margin: 10px 0; }
.irr-ex-tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  min-width: 480px;
}
.irr-ex-tbl th {
  background: #002868;
  color: #fff;
  padding: 8px 11px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  text-align: right;
}
.irr-ex-tbl th:first-child { text-align: left; }
.irr-ex-tbl td {
  padding: 7px 11px;
  border-bottom: 1px solid #D0D5E8;
  text-align: right;
  color: #1A1F36;
}
.irr-ex-tbl td:first-child { text-align: left; font-weight: 600; color: #002868; }
.irr-ex-tbl tr:nth-child(even) td { background: #F8F9FF; }
.irr-ex-tbl .tr-tot td { font-weight: 700; color: #002868; background: #e6eaf5; }
.irr-ex-tbl .c-g { color: #00843D; font-weight: 700; }
.irr-ex-tbl .c-r { color: #BF0A30; font-weight: 700; }

/* ── Info / win / warn / amber boxes ────────────────────────── */
.irr-ex-info {
  background: #e6eaf5;
  border-left: 4px solid #002868;
  border-radius: 6px;
  padding: 10px 13px;
  font-size: 0.8rem;
  color: #1A1F36;
  margin: 10px 0;
}
.irr-ex-info strong { color: #002868; }
.irr-ex-win {
  background: #e8f4ec;
  border-left: 4px solid #00843D;
  border-radius: 6px;
  padding: 10px 13px;
  font-size: 0.8rem;
  margin: 10px 0;
}
.irr-ex-warn {
  background: #fde8ec;
  border-left: 4px solid #BF0A30;
  border-radius: 6px;
  padding: 10px 13px;
  font-size: 0.8rem;
  margin: 10px 0;
}
.irr-ex-amber {
  background: #fef3c7;
  border-left: 4px solid #F59E0B;
  border-radius: 6px;
  padding: 10px 13px;
  font-size: 0.8rem;
  margin: 10px 0;
}

/* ── Scenario comparison strip ──────────────────────────────── */
.irr-ex-scen {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin: 12px 0;
}
@media (max-width: 520px) {
  .irr-ex-scen { grid-template-columns: 1fr; }
}
.irr-ex-scen-item {
  border-radius: 8px;
  padding: 12px 14px;
  text-align: center;
}
.irr-ex-scen-item.best  { background: #e8f4ec; border: 1.5px solid #00843D; }
.irr-ex-scen-item.base  { background: #e6eaf5; border: 1.5px solid #002868; }
.irr-ex-scen-item.worst { background: #fde8ec; border: 1.5px solid #BF0A30; }
.irr-ex-scen-item .sc-label {
  font-family: Montserrat, sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 5px;
}
.irr-ex-scen-item.best  .sc-label { color: #00843D; }
.irr-ex-scen-item.base  .sc-label { color: #002868; }
.irr-ex-scen-item.worst .sc-label { color: #BF0A30; }
.irr-ex-scen-item .sc-irr {
  font-family: Montserrat, sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
}
.irr-ex-scen-item.best  .sc-irr { color: #00843D; }
.irr-ex-scen-item.base  .sc-irr { color: #002868; }
.irr-ex-scen-item.worst .sc-irr { color: #BF0A30; }
.irr-ex-scen-item .sc-npv {
  font-size: 0.75rem;
  color: #6B7280;
  margin-top: 3px;
}
.irr-ex-scen-item .sc-dec {
  display: inline-block;
  margin-top: 6px;
  padding: 2px 9px;
  border-radius: 12px;
  font-size: 0.71rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
}
.irr-ex-scen-item.best  .sc-dec { background: #00843D; color: #fff; }
.irr-ex-scen-item.base  .sc-dec { background: #002868; color: #fff; }
.irr-ex-scen-item.worst .sc-dec { background: #BF0A30; color: #fff; }

/* ── "Try It" CTA row ───────────────────────────────────────── */
.irr-ex-tryit {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  background: #F8F9FF;
  border: 1.5px dashed #D0D5E8;
  border-radius: 8px;
  padding: 12px 16px;
  margin-top: 16px;
}
.irr-ex-tryit p { margin: 0; font-size: 0.8rem; color: #6B7280; }
.irr-ex-tryit a {
  background: #002868;
  color: #fff;
  padding: 8px 18px;
  border-radius: 7px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s;
}
.irr-ex-tryit a:hover { opacity: 0.85; }

/* ── Summary comparison table card ─────────────────────────── */
.irr-ex-summary-card {
  background: #FFFFFF;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  padding: 24px;
  margin-bottom: 28px;
  box-shadow: 0 2px 12px rgba(0,40,104,0.07);
}
.irr-ex-summary-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: #002868;
  margin: 0 0 16px;
}

/* ── Badge ──────────────────────────────────────────────────── */
.irr-ex-badge {
  display: inline-block;
  padding: 2px 9px;
  border-radius: 12px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
}
.bg  { background: #e8f4ec; color: #00843D; }
.br  { background: #fde8ec; color: #BF0A30; }
.bn  { background: #e6eaf5; color: #002868; }
.ba  { background: #fef3c7; color: #92400e; }

/* ── CTA strip ──────────────────────────────────────────────── */
.irr-ex-cta {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 12px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 8px;
}
.irr-ex-cta h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 4px;
}
.irr-ex-cta p { font-size: 0.82rem; color: rgba(255,255,255,0.82); margin: 0; }
.irr-ex-cta a {
  background: #00843D;
  color: #fff;
  border-radius: 8px;
  padding: 11px 22px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.87rem;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s;
}
.irr-ex-cta a:hover { opacity: 0.88; }
@media (max-width: 600px) {
  .irr-ex-cta { flex-direction: column; align-items: flex-start; }
}
/* ── Scoped wrapper ─────────────────────────────────────────── */
.irr-pt-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 56px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
  font-size: 0.88rem;
  line-height: 1.65;
}

/* ── Section header ─────────────────────────────────────────── */
.irr-pt-hdr {
  background: linear-gradient(135deg, #002868 0%, #00843D 100%);
  border-radius: 14px;
  padding: 32px;
  margin-bottom: 28px;
}
.irr-pt-hdr h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.2rem, 3vw, 1.65rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 8px;
}
.irr-pt-hdr p {
  font-size: 0.91rem;
  color: rgba(255,255,255,0.88);
  max-width: 780px;
  margin: 0 0 14px;
  line-height: 1.6;
}
.irr-pt-hdr .pt-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.irr-pt-hdr .pt-pill {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  padding: 4px 13px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
}

/* ── Big tip card ───────────────────────────────────────────── */
.irr-pt-card {
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 24px;
  box-shadow: 0 2px 10px rgba(0,40,104,0.06);
}

/* ── Card accent bar ────────────────────────────────────────── */
.irr-pt-bar {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 24px 16px;
  border-bottom: 1px solid #D0D5E8;
}
.irr-pt-bar.c1 { background: #e6eaf5; border-left: 5px solid #002868; }
.irr-pt-bar.c2 { background: #e8f4ec; border-left: 5px solid #00843D; }
.irr-pt-bar.c3 { background: #fef3c7; border-left: 5px solid #F59E0B; }
.irr-pt-bar.c4 { background: #ede9fe; border-left: 5px solid #6366F1; }
.irr-pt-bar.c5 { background: #fde8ec; border-left: 5px solid #BF0A30; }

.irr-pt-num {
  min-width: 42px;
  height: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: #fff;
}
.c1 .irr-pt-num { background: #002868; }
.c2 .irr-pt-num { background: #00843D; }
.c3 .irr-pt-num { background: #b45309; }
.c4 .irr-pt-num { background: #6366F1; }
.c5 .irr-pt-num { background: #BF0A30; }

.irr-pt-bar-meta {}
.irr-pt-bar-meta .pt-tag {
  font-size: 0.69rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 3px;
}
.c1 .pt-tag { color: #002868; }
.c2 .pt-tag { color: #00843D; }
.c3 .pt-tag { color: #b45309; }
.c4 .pt-tag { color: #6366F1; }
.c5 .pt-tag { color: #BF0A30; }

.irr-pt-bar-meta h3 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(0.95rem, 2.5vw, 1.08rem);
  font-weight: 800;
  color: #1A1F36;
  margin: 0 0 3px;
}
.irr-pt-bar-meta .pt-sub {
  font-size: 0.79rem;
  color: #6B7280;
}

/* ── Card body ──────────────────────────────────────────────── */
.irr-pt-body {
  padding: 22px 24px;
}
.irr-pt-body p {
  font-size: 0.86rem;
  line-height: 1.68;
  color: #1A1F36;
  margin: 0 0 12px;
}
.irr-pt-body p:last-child { margin-bottom: 0; }

/* ── Two-col inside card ────────────────────────────────────── */
.irr-pt-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
@media (max-width: 768px) {
  .irr-pt-two { grid-template-columns: 1fr; }
}

/* ── Section title divider ──────────────────────────────────── */
.irr-pt-stitle {
  font-family: Montserrat, sans-serif;
  font-size: 0.76rem;
  font-weight: 700;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid #D0D5E8;
  padding-bottom: 5px;
  margin: 14px 0 11px;
}

/* ── Info / win / warn / amber boxes (exact match) ──────────── */
.irr-pt-info {
  background: #e6eaf5;
  border-left: 4px solid #002868;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.8rem;
  color: #1A1F36;
  margin: 10px 0;
}
.irr-pt-info strong { color: #002868; }
.irr-pt-win {
  background: #e8f4ec;
  border-left: 4px solid #00843D;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.8rem;
  margin: 10px 0;
}
.irr-pt-warn {
  background: #fde8ec;
  border-left: 4px solid #BF0A30;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.8rem;
  margin: 10px 0;
}
.irr-pt-amber {
  background: #fef3c7;
  border-left: 4px solid #F59E0B;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.8rem;
  margin: 10px 0;
}

/* ── KPI tiles (matches .kpi) ───────────────────────────────── */
.irr-pt-kpis {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 9px;
  margin: 12px 0;
}
@media (max-width: 600px) {
  .irr-pt-kpis { grid-template-columns: 1fr 1fr; }
}
.irr-pt-kpi {
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 8px;
  padding: 11px 13px;
}
.irr-pt-kpi .kl {
  font-size: 0.68rem;
  font-weight: 600;
  color: #6B7280;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.irr-pt-kpi .kv {
  font-family: Montserrat, sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: #002868;
  margin-top: 2px;
}
.irr-pt-kpi .kv.g { color: #00843D; }
.irr-pt-kpi .kv.r { color: #BF0A30; }
.irr-pt-kpi .kv.a { color: #F59E0B; }
.irr-pt-kpi .kv.p { color: #6366F1; }
.irr-pt-kpi .ks {
  font-size: 0.67rem;
  color: #6B7280;
  margin-top: 2px;
}

/* ── Tab navigator (shows which tab to use) ─────────────────── */
.irr-pt-tab-row {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 12px 0;
}
.irr-pt-tab {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 6px 13px;
  border-radius: 20px;
  font-family: Montserrat, sans-serif;
  font-size: 0.74rem;
  font-weight: 700;
  border: 2px solid;
  white-space: nowrap;
  cursor: default;
}
.irr-pt-tab.active {
  background: #002868;
  color: #fff;
  border-color: #002868;
}
.irr-pt-tab.secondary {
  background: #fff;
  color: #002868;
  border-color: #002868;
}
.irr-pt-tab.green {
  background: #00843D;
  color: #fff;
  border-color: #00843D;
}
.irr-pt-tab.amber {
  background: #b45309;
  color: #fff;
  border-color: #b45309;
}
.irr-pt-tab.purple {
  background: #6366F1;
  color: #fff;
  border-color: #6366F1;
}
.irr-pt-tab.red {
  background: #9b1c2e;
  color: #fff;
  border-color: #9b1c2e;
}

/* ── Comparison table (matches .breakdown-table) ────────────── */
.irr-pt-tbl-wrap { overflow-x: auto; margin: 10px 0; }
.irr-pt-tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  min-width: 440px;
}
.irr-pt-tbl th {
  background: #002868;
  color: #fff;
  padding: 8px 11px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  text-align: left;
}
.irr-pt-tbl th:not(:first-child) { text-align: center; }
.irr-pt-tbl td {
  padding: 7px 11px;
  border-bottom: 1px solid #D0D5E8;
  color: #1A1F36;
  text-align: center;
}
.irr-pt-tbl td:first-child { text-align: left; font-weight: 600; }
.irr-pt-tbl tr:nth-child(even) td { background: #F8F9FF; }
.irr-pt-tbl .tr-tot td { font-weight: 700; color: #002868; background: #e6eaf5; }
.irr-pt-tbl .c-g { color: #00843D; font-weight: 700; }
.irr-pt-tbl .c-r { color: #BF0A30; font-weight: 700; }
.irr-pt-tbl .c-a { color: #b45309; font-weight: 700; }
.irr-pt-tbl .c-p { color: #6366F1; font-weight: 700; }

/* ── Step checklist ─────────────────────────────────────────── */
.irr-pt-steps {
  list-style: none;
  padding: 0;
  margin: 10px 0;
}
.irr-pt-steps li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 8px 0;
  border-bottom: 1px solid #D0D5E8;
  font-size: 0.83rem;
  color: #1A1F36;
  line-height: 1.55;
}
.irr-pt-steps li:last-child { border-bottom: none; }
.irr-pt-steps .st-num {
  min-width: 22px;
  height: 22px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.71rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.irr-pt-steps .sn-b { background: #002868; color: #fff; }
.irr-pt-steps .sn-g { background: #00843D; color: #fff; }
.irr-pt-steps .sn-a { background: #b45309; color: #fff; }
.irr-pt-steps .sn-p { background: #6366F1; color: #fff; }
.irr-pt-steps .sn-r { background: #BF0A30; color: #fff; }
.irr-pt-steps strong { color: #002868; }

/* ── Do / Don't two-col blocks ──────────────────────────────── */
.irr-pt-do-dont {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 12px 0;
}
@media (max-width: 520px) {
  .irr-pt-do-dont { grid-template-columns: 1fr; }
}
.irr-pt-do, .irr-pt-dont {
  border-radius: 8px;
  padding: 14px 16px;
}
.irr-pt-do {
  background: #e8f4ec;
  border: 1.5px solid #00843D;
}
.irr-pt-dont {
  background: #fde8ec;
  border: 1.5px solid #BF0A30;
}
.irr-pt-do .dd-head {
  font-family: Montserrat, sans-serif;
  font-size: 0.76rem;
  font-weight: 800;
  color: #00843D;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}
.irr-pt-dont .dd-head {
  font-family: Montserrat, sans-serif;
  font-size: 0.76rem;
  font-weight: 800;
  color: #BF0A30;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}
.irr-pt-do ul, .irr-pt-dont ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.irr-pt-do li, .irr-pt-dont li {
  font-size: 0.8rem;
  padding: 5px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
  color: #1A1F36;
  line-height: 1.5;
}
.irr-pt-do li:last-child,
.irr-pt-dont li:last-child { border-bottom: none; }
.irr-pt-do li::before { content: "✅ "; }
.irr-pt-dont li::before { content: "❌ "; }

/* ── MOIC visual matrix preview ─────────────────────────────── */
.irr-pt-matrix {
  display: grid;
  grid-template-columns: auto repeat(5, 1fr);
  gap: 3px;
  margin: 12px 0;
  font-size: 0.76rem;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
}
.irr-pt-matrix .mh {
  background: #002868;
  color: #fff;
  padding: 6px 8px;
  border-radius: 4px;
  text-align: center;
  font-size: 0.69rem;
}
.irr-pt-matrix .mh.row { background: #e6eaf5; color: #002868; }
.irr-pt-matrix .mc-g {
  background: #e8f4ec;
  color: #00843D;
  padding: 7px 5px;
  border-radius: 4px;
  text-align: center;
  font-size: 0.72rem;
}
.irr-pt-matrix .mc-a {
  background: #fef3c7;
  color: #92400e;
  padding: 7px 5px;
  border-radius: 4px;
  text-align: center;
  font-size: 0.72rem;
}
.irr-pt-matrix .mc-r {
  background: #fde8ec;
  color: #BF0A30;
  padding: 7px 5px;
  border-radius: 4px;
  text-align: center;
  font-size: 0.72rem;
}
.irr-pt-matrix .mc-star {
  background: #002868;
  color: #fff;
  padding: 7px 5px;
  border-radius: 4px;
  text-align: center;
  font-size: 0.72rem;
  font-weight: 800;
  outline: 2px solid #F59E0B;
}

/* ── NPV profile visual ─────────────────────────────────────── */
.irr-pt-profile-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 6px 0;
}
.irr-pt-profile-bar .pb-label {
  min-width: 80px;
  font-size: 0.77rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
  color: #1A1F36;
  text-align: right;
}
.irr-pt-profile-bar .pb-bar-wrap {
  flex: 1;
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 4px;
  height: 22px;
  overflow: hidden;
  position: relative;
}
.irr-pt-profile-bar .pb-fill {
  height: 100%;
  border-radius: 4px;
  display: flex;
  align-items: center;
  padding: 0 8px;
  font-size: 0.69rem;
  font-weight: 700;
  color: #fff;
  white-space: nowrap;
}
.pb-fill.pos  { background: #00843D; }
.pb-fill.neg  { background: #BF0A30; }
.pb-fill.zero { background: #002868; width: 3px; }
.irr-pt-profile-bar .pb-val {
  min-width: 70px;
  font-size: 0.75rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
  text-align: left;
}

/* ── CTA strip ──────────────────────────────────────────────── */
.irr-pt-cta {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 12px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 4px;
}
.irr-pt-cta h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 4px;
}
.irr-pt-cta p { font-size: 0.82rem; color: rgba(255,255,255,0.82); margin: 0; }
.irr-pt-cta a {
  background: #00843D;
  color: #fff;
  border-radius: 8px;
  padding: 11px 22px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.87rem;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s;
}
.irr-pt-cta a:hover { opacity: 0.88; }
@media (max-width: 600px) { .irr-pt-cta { flex-direction: column; align-items: flex-start; } }

/* ── Badge ──────────────────────────────────────────────────── */
.irr-pt-badge {
  display: inline-block;
  padding: 2px 10px;
  border-radius: 12px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
}
.ptbg { background: #e8f4ec; color: #00843D; }
.ptbr { background: #fde8ec; color: #BF0A30; }
.ptbn { background: #e6eaf5; color: #002868; }
.ptba { background: #fef3c7; color: #92400e; }
.ptbp { background: #ede9fe; color: #6366F1; }
/* ── Scoped wrapper ─────────────────────────────────────────── */
.irr-rc-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 56px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
  font-size: 0.88rem;
  line-height: 1.65;
}

/* ── Section header ─────────────────────────────────────────── */
.irr-rc-hdr {
  background: linear-gradient(135deg, #002868 0%, #00843D 100%);
  border-radius: 14px;
  padding: 30px 32px;
  margin-bottom: 28px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.irr-rc-hdr-left {}
.irr-rc-hdr h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.1rem, 3vw, 1.55rem);
  font-weight: 800;
  color: #fff;
  margin: 0 0 7px;
}
.irr-rc-hdr p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.85);
  margin: 0;
  max-width: 680px;
  line-height: 1.55;
}
.irr-rc-hdr-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 10px;
  padding: 12px 20px;
  min-width: 90px;
  flex-shrink: 0;
}
.irr-rc-hdr-stat .sv {
  font-family: Montserrat, sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: #fff;
}
.irr-rc-hdr-stat .sl {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.8);
  text-align: center;
  margin-top: 2px;
}

/* ── Category group label ───────────────────────────────────── */
.irr-rc-cat {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 24px 0 12px;
}
.irr-rc-cat-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.irr-rc-cat-text {
  font-family: Montserrat, sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.irr-rc-cat-line {
  flex: 1;
  height: 2px;
  border-radius: 2px;
}
/* Category color themes */
.cat-investing .irr-rc-cat-icon { background: #e6eaf5; }
.cat-investing .irr-rc-cat-text { color: #002868; }
.cat-investing .irr-rc-cat-line { background: #002868; }

.cat-business .irr-rc-cat-icon { background: #e8f4ec; }
.cat-business .irr-rc-cat-text { color: #00843D; }
.cat-business .irr-rc-cat-line { background: #00843D; }

.cat-mortgage .irr-rc-cat-icon { background: #fef3c7; }
.cat-mortgage .irr-rc-cat-text { color: #b45309; }
.cat-mortgage .irr-rc-cat-line { background: #F59E0B; }

.cat-taxes .irr-rc-cat-icon { background: #ede9fe; }
.cat-taxes .irr-rc-cat-text { color: #6366F1; }
.cat-taxes .irr-rc-cat-line { background: #6366F1; }

.cat-loans .irr-rc-cat-icon { background: #fde8ec; }
.cat-loans .irr-rc-cat-text { color: #9b1c2e; }
.cat-loans .irr-rc-cat-line { background: #BF0A30; }

/* ── Card grid ──────────────────────────────────────────────── */
.irr-rc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
@media (max-width: 900px) {
  .irr-rc-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .irr-rc-grid { grid-template-columns: 1fr; }
}

/* ── Individual card ────────────────────────────────────────── */
.irr-rc-card {
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 12px;
  padding: 0;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.15s;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.irr-rc-card:hover {
  box-shadow: 0 6px 20px rgba(0,40,104,0.12);
  transform: translateY(-2px);
}
.irr-rc-card-top {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  padding: 15px 16px 12px;
  border-bottom: 1px solid #D0D5E8;
}
.irr-rc-card-icon {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.irr-rc-card-meta {}
.irr-rc-card-meta .rc-tag {
  font-size: 0.67rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 2px;
}
.irr-rc-card-meta h3 {
  font-family: Montserrat, sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #1A1F36;
  margin: 0;
  line-height: 1.35;
}

/* Color themes per category */
.irr-rc-card.c-investing .irr-rc-card-icon { background: #e6eaf5; }
.irr-rc-card.c-investing .rc-tag { color: #002868; }
.irr-rc-card.c-investing .rc-use { border-top: 2px solid #002868; }

.irr-rc-card.c-business .irr-rc-card-icon { background: #e8f4ec; }
.irr-rc-card.c-business .rc-tag { color: #00843D; }
.irr-rc-card.c-business .rc-use { border-top: 2px solid #00843D; }

.irr-rc-card.c-mortgage .irr-rc-card-icon { background: #fef3c7; }
.irr-rc-card.c-mortgage .rc-tag { color: #b45309; }
.irr-rc-card.c-mortgage .rc-use { border-top: 2px solid #F59E0B; }

.irr-rc-card.c-taxes .irr-rc-card-icon { background: #ede9fe; }
.irr-rc-card.c-taxes .rc-tag { color: #6366F1; }
.irr-rc-card.c-taxes .rc-use { border-top: 2px solid #6366F1; }

.irr-rc-card.c-loans .irr-rc-card-icon { background: #fde8ec; }
.irr-rc-card.c-loans .rc-tag { color: #9b1c2e; }
.irr-rc-card.c-loans .rc-use { border-top: 2px solid #BF0A30; }

/* Card body */
.irr-rc-card-body {
  padding: 12px 16px;
  flex: 1;
}
.irr-rc-card-body p {
  font-size: 0.79rem;
  color: #6B7280;
  margin: 0;
  line-height: 1.5;
}

/* Use-when strip */
.rc-use {
  padding: 8px 16px 12px;
  font-size: 0.75rem;
  color: #1A1F36;
  line-height: 1.45;
  margin-top: auto;
}
.rc-use strong {
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  display: block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 2px;
}

/* Arrow CTA link */
.irr-rc-card-footer {
  padding: 8px 16px 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.irr-rc-card-footer .rc-link {
  font-family: Montserrat, sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: #002868;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 4px;
}
.irr-rc-card-footer .rc-link:hover { text-decoration: underline; }
.irr-rc-card-footer .rc-badge {
  font-size: 0.67rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
  padding: 2px 8px;
  border-radius: 10px;
  background: #e6eaf5;
  color: #002868;
}

/* ── CTA strip ──────────────────────────────────────────────── */
.irr-rc-cta {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 12px;
  padding: 24px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.irr-rc-cta h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 4px;
}
.irr-rc-cta p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.82);
  margin: 0;
}
.irr-rc-cta a {
  background: #00843D;
  color: #fff;
  border-radius: 8px;
  padding: 11px 22px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.87rem;
  text-decoration: none;
  white-space: nowrap;
  transition: opacity 0.2s;
}
.irr-rc-cta a:hover { opacity: 0.88; }
@media (max-width: 600px) { .irr-rc-cta { flex-direction: column; align-items: flex-start; } }

/* ── "All tools" browse pill row ────────────────────────────── */
.irr-rc-browse {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 18px 0 0;
}
.irr-rc-browse a {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 7px 14px;
  border-radius: 20px;
  font-family: Montserrat, sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  text-decoration: none;
  border: 2px solid;
  transition: all 0.2s;
}
.irr-rc-browse a.inv { color: #002868; border-color: #002868; background: #fff; }
.irr-rc-browse a.inv:hover { background: #002868; color: #fff; }
.irr-rc-browse a.biz { color: #00843D; border-color: #00843D; background: #fff; }
.irr-rc-browse a.biz:hover { background: #00843D; color: #fff; }
.irr-rc-browse a.tax { color: #6366F1; border-color: #6366F1; background: #fff; }
.irr-rc-browse a.tax:hover { background: #6366F1; color: #fff; }
.irr-rc-browse a.mort { color: #b45309; border-color: #F59E0B; background: #fff; }
.irr-rc-browse a.mort:hover { background: #b45309; color: #fff; }
.irr-rc-browse a.loan { color: #9b1c2e; border-color: #BF0A30; background: #fff; }
.irr-rc-browse a.loan:hover { background: #9b1c2e; color: #fff; }
/* ── Wrapper ─────────────────────────────────────────────── */
.irr-faq-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 64px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
}

/* ── Section Header ──────────────────────────────────────── */
.irr-faq-header {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 14px;
  padding: 32px 36px;
  margin-bottom: 28px;
  color: #fff;
  text-align: center;
}
.irr-faq-header h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.3rem, 3.5vw, 1.9rem);
  font-weight: 800;
  margin: 0 0 10px;
  color: #fff;
}
.irr-faq-header p {
  font-size: 0.9rem;
  opacity: 0.88;
  max-width: 700px;
  margin: 0 auto 20px;
  line-height: 1.65;
}
.irr-faq-count-row {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
}
.irr-faq-chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 20px;
  padding: 5px 13px;
  font-size: 0.75rem;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  color: #fff;
  backdrop-filter: blur(8px);
}

/* ── Search Box ──────────────────────────────────────────── */
.irr-faq-search-wrap {
  position: relative;
  max-width: 560px;
  margin: 0 auto 24px;
}
.irr-faq-search-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1rem;
  pointer-events: none;
  color: #6B7280;
}
.irr-faq-search {
  width: 100%;
  padding: 12px 14px 12px 40px;
  border: 2px solid #D0D5E8;
  border-radius: 10px;
  font-family: Inter, sans-serif;
  font-size: 0.9rem;
  color: #1A1F36;
  background: #fff;
  transition: border-color 0.2s, box-shadow 0.2s;
  box-sizing: border-box;
}
.irr-faq-search:focus {
  outline: none;
  border-color: #002868;
  box-shadow: 0 0 0 3px rgba(0,40,104,0.1);
}
.irr-faq-search::placeholder { color: #6B7280; }

/* ── Category Tab Nav ────────────────────────────────────── */
.irr-faq-tabs-nav {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 22px;
  overflow-x: auto;
  padding-bottom: 4px;
}
.irr-faq-tab-btn {
  flex-shrink: 0;
  padding: 8px 16px;
  border: 2px solid #D0D5E8;
  border-radius: 20px;
  background: #fff;
  color: #6B7280;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
}
.irr-faq-tab-btn:hover:not(.active) {
  border-color: #002868;
  color: #002868;
}
.irr-faq-tab-btn.active {
  background: #002868;
  color: #fff;
  border-color: #002868;
}
.irr-faq-tab-count {
  display: inline-block;
  background: rgba(255,255,255,0.25);
  padding: 1px 6px;
  border-radius: 10px;
  font-size: 0.7rem;
  margin-left: 4px;
  font-weight: 700;
}
.irr-faq-tab-btn:not(.active) .irr-faq-tab-count {
  background: #e6eaf5;
  color: #002868;
}

/* ── FAQ Items List ──────────────────────────────────────── */
.irr-faq-list {
  display: grid;
  gap: 10px;
}
.irr-faq-item {
  background: #fff;
  border: 1.5px solid #D0D5E8;
  border-radius: 12px;
  overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.irr-faq-item:hover {
  border-color: #002868;
  box-shadow: 0 3px 12px rgba(0,40,104,0.08);
}
.irr-faq-item.open {
  border-color: #002868;
  box-shadow: 0 4px 16px rgba(0,40,104,0.1);
}

/* ── Question Row ────────────────────────────────────────── */
.irr-faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  cursor: pointer;
  background: #fff;
  gap: 12px;
  transition: background 0.2s;
}
.irr-faq-q:hover { background: #F8F9FF; }
.irr-faq-item.open .irr-faq-q { background: #e6eaf5; }
.irr-faq-q-left {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  flex: 1;
}
.irr-faq-num {
  font-family: Montserrat, sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  color: #fff;
  background: #002868;
  min-width: 26px;
  height: 26px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.irr-faq-item.open .irr-faq-num { background: #00843D; }
.irr-faq-q-text {
  font-size: 0.92rem;
  font-weight: 700;
  color: #1A1F36;
  font-family: Montserrat, sans-serif;
  line-height: 1.45;
}
.irr-faq-toggle {
  font-size: 1.1rem;
  color: #002868;
  font-weight: 700;
  flex-shrink: 0;
  transition: transform 0.3s;
  line-height: 1;
}
.irr-faq-item.open .irr-faq-toggle { transform: rotate(180deg); }

/* ── Answer Panel ────────────────────────────────────────── */
.irr-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.38s ease;
}
.irr-faq-a-inner {
  padding: 0 20px 20px 58px;
}
@media (max-width: 480px) {
  .irr-faq-a-inner { padding: 0 16px 16px 16px; }
}
.irr-faq-cat-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 14px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
  margin-bottom: 10px;
}
/* category colors */
.cat-basics     { background: #e6eaf5; color: #002868; }
.cat-formula    { background: #e8f4ec; color: #00843D; }
.cat-tool       { background: #fef3c7; color: #92400e; }
.cat-advanced   { background: #ede9fe; color: #5b21b6; }
.cat-practical  { background: #fde8ec; color: #9b1c2e; }

.irr-faq-a-inner p {
  font-size: 0.86rem;
  line-height: 1.72;
  color: #1A1F36;
  margin: 0 0 10px;
}
.irr-faq-a-inner p:last-child { margin: 0; }
.irr-faq-a-inner strong { color: #002868; }
.irr-faq-a-inner ul, .irr-faq-a-inner ol {
  margin: 8px 0 10px 18px;
  padding: 0;
}
.irr-faq-a-inner li {
  font-size: 0.85rem;
  line-height: 1.65;
  color: #1A1F36;
  margin-bottom: 4px;
}
.irr-faq-a-inner code {
  background: #e6eaf5;
  padding: 1px 6px;
  border-radius: 4px;
  font-size: 0.82rem;
  color: #002868;
  font-family: 'Courier New', monospace;
}

/* ── Highlight boxes inside answers ─────────────────────── */
.irr-faq-hl {
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.81rem;
  margin: 8px 0 10px;
  line-height: 1.6;
}
.irr-faq-hl.navy  { background: #e6eaf5; border-left: 4px solid #002868; color: #1A1F36; }
.irr-faq-hl.green { background: #e8f4ec; border-left: 4px solid #00843D; color: #1A1F36; }
.irr-faq-hl.amber { background: #fef3c7; border-left: 4px solid #F59E0B; color: #1A1F36; }
.irr-faq-hl.red   { background: #fde8ec; border-left: 4px solid #BF0A30; color: #1A1F36; }
.irr-faq-hl strong { color: #002868; }
.irr-faq-hl.green strong { color: #00843D; }
.irr-faq-hl.amber strong { color: #b45309; }
.irr-faq-hl.red strong { color: #9b1c2e; }

/* ── Inline mini table ───────────────────────────────────── */
.irr-faq-tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.79rem;
  margin: 8px 0 12px;
}
.irr-faq-tbl th {
  background: #002868;
  color: #fff;
  padding: 6px 10px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  text-align: left;
  font-size: 0.72rem;
}
.irr-faq-tbl td {
  padding: 6px 10px;
  border-bottom: 1px solid #D0D5E8;
  color: #1A1F36;
}
.irr-faq-tbl tr:nth-child(even) td { background: #F8F9FF; }
.irr-faq-tbl .td-green { color: #00843D; font-weight: 700; }
.irr-faq-tbl .td-red   { color: #BF0A30; font-weight: 700; }
.irr-faq-tbl .td-navy  { color: #002868; font-weight: 700; }

/* ── Empty search state ──────────────────────────────────── */
.irr-faq-empty {
  text-align: center;
  padding: 40px 16px;
  color: #6B7280;
  display: none;
}
.irr-faq-empty-icon { font-size: 2.4rem; margin-bottom: 10px; display: block; }
.irr-faq-empty-text { font-size: 0.92rem; font-weight: 600; margin-bottom: 4px; }
.irr-faq-empty-hint { font-size: 0.8rem; }

/* ── CTA Banner at bottom ────────────────────────────────── */
.irr-faq-cta {
  background: linear-gradient(135deg, #00843D 0%, #005a2a 100%);
  border-radius: 12px;
  padding: 26px 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.irr-faq-cta h4 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 5px;
}
.irr-faq-cta p { font-size: 0.82rem; color: rgba(255,255,255,0.85); margin: 0; }
.irr-faq-cta a {
  background: #fff;
  color: #00843D;
  border-radius: 8px;
  padding: 11px 22px;
  font-family: Montserrat, sans-serif;
  font-weight: 800;
  font-size: 0.85rem;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: opacity 0.2s;
}
.irr-faq-cta a:hover { opacity: 0.9; }

/* ── Animations ──────────────────────────────────────────── */
@keyframes irrFaqIn {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.irr-faq-item {
  animation: irrFaqIn 0.4s ease backwards;
}
.irr-faq-item:nth-child(1)  { animation-delay: 0.04s; }
.irr-faq-item:nth-child(2)  { animation-delay: 0.08s; }
.irr-faq-item:nth-child(3)  { animation-delay: 0.12s; }
.irr-faq-item:nth-child(4)  { animation-delay: 0.16s; }
.irr-faq-item:nth-child(5)  { animation-delay: 0.20s; }
.irr-faq-item:nth-child(6)  { animation-delay: 0.24s; }
.irr-faq-item:nth-child(7)  { animation-delay: 0.28s; }
.irr-faq-item:nth-child(8)  { animation-delay: 0.32s; }
.irr-faq-item:nth-child(9)  { animation-delay: 0.36s; }
.irr-faq-item:nth-child(10) { animation-delay: 0.40s; }

/* ── Mobile ──────────────────────────────────────────────── */
@media (max-width: 640px) {
  .irr-faq-header { padding: 22px 18px; }
  .irr-faq-q      { padding: 13px 14px; }
  .irr-faq-q-text { font-size: 0.85rem; }
  .irr-faq-num    { min-width: 22px; height: 22px; font-size: 0.64rem; }
}
@media (prefers-reduced-motion: reduce) {
  .irr-faq-item { animation: none; }
  .irr-faq-toggle { transition: none; }
  .irr-faq-a  { transition: none; }
}
/* ── Scoped wrapper ─────────────────────────────────────────── */
.irr-disc-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px 56px;
  font-family: Inter, sans-serif;
  color: #1A1F36;
  font-size: 0.88rem;
  line-height: 1.68;
}

/* ── Main disclaimer banner ─────────────────────────────────── */
.irr-disc-banner {
  background: #fde8ec;
  border: 2px solid #BF0A30;
  border-radius: 14px;
  padding: 22px 28px;
  margin-bottom: 22px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.irr-disc-banner .disc-icon {
  font-size: 1.8rem;
  flex-shrink: 0;
  margin-top: 2px;
}
.irr-disc-banner h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(0.95rem, 2.5vw, 1.1rem);
  font-weight: 800;
  color: #BF0A30;
  margin: 0 0 8px;
}
.irr-disc-banner p {
  font-size: 0.84rem;
  color: #1A1F36;
  margin: 0 0 6px;
  line-height: 1.62;
}
.irr-disc-banner p:last-child { margin: 0; }
.irr-disc-banner strong { color: #9b1c2e; }

/* ── Two-col layout ─────────────────────────────────────────── */
.irr-disc-two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 18px;
}
@media (max-width: 768px) {
  .irr-disc-two { grid-template-columns: 1fr; }
}

/* ── Card (matches .card exactly) ───────────────────────────── */
.irr-disc-card {
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 12px;
  padding: 22px 24px;
  box-shadow: 0 1px 5px rgba(0,40,104,0.04);
}
.irr-disc-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: #002868;
  margin: 0 0 14px;
  display: flex;
  align-items: center;
  gap: 8px;
  border-bottom: 2px solid #D0D5E8;
  padding-bottom: 10px;
}

/* ── Section title divider (matches .section-title) ─────────── */
.irr-disc-stitle {
  font-family: Montserrat, sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: #002868;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-bottom: 2px solid #D0D5E8;
  padding-bottom: 5px;
  margin: 16px 0 11px;
}

/* ── Info / win / warn / amber boxes (exact match) ──────────── */
.irr-disc-info {
  background: #e6eaf5;
  border-left: 4px solid #002868;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.81rem;
  color: #1A1F36;
  margin: 10px 0;
}
.irr-disc-info strong { color: #002868; }
.irr-disc-win {
  background: #e8f4ec;
  border-left: 4px solid #00843D;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.81rem;
  margin: 10px 0;
  color: #1A1F36;
}
.irr-disc-win strong { color: #00843D; }
.irr-disc-warn {
  background: #fde8ec;
  border-left: 4px solid #BF0A30;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.81rem;
  margin: 10px 0;
  color: #1A1F36;
}
.irr-disc-warn strong { color: #9b1c2e; }
.irr-disc-amber {
  background: #fef3c7;
  border-left: 4px solid #F59E0B;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.81rem;
  margin: 10px 0;
  color: #1A1F36;
}
.irr-disc-amber strong { color: #b45309; }

/* ── Disclaimer items list ──────────────────────────────────── */
.irr-disc-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.irr-disc-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 9px 0;
  border-bottom: 1px solid #D0D5E8;
  font-size: 0.83rem;
  line-height: 1.55;
  color: #1A1F36;
}
.irr-disc-list li:last-child { border-bottom: none; }
.irr-disc-list .di-icon {
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.irr-disc-list strong { color: #002868; }

/* ── Editorial team row ─────────────────────────────────────── */
.irr-disc-team {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin: 12px 0;
}
@media (max-width: 600px) {
  .irr-disc-team { grid-template-columns: 1fr; }
}
.irr-disc-member {
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 10px;
  padding: 14px 16px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.irr-disc-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: #002868;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: #fff;
}
.irr-disc-avatar.g { background: #00843D; }
.irr-disc-avatar.a { background: #b45309; }
.irr-disc-member-info {}
.irr-disc-member-info .mi-name {
  font-family: Montserrat, sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: #1A1F36;
  margin-bottom: 2px;
}
.irr-disc-member-info .mi-role {
  font-size: 0.73rem;
  color: #6B7280;
  margin-bottom: 4px;
}
.irr-disc-member-info .mi-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 10px;
  font-size: 0.68rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
}
.mb-n { background: #e6eaf5; color: #002868; }
.mb-g { background: #e8f4ec; color: #00843D; }
.mb-a { background: #fef3c7; color: #b45309; }

/* ── Last-updated / version strip ───────────────────────────── */
.irr-disc-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 12px 0;
}
.irr-disc-meta-chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 20px;
  padding: 5px 12px;
  font-size: 0.74rem;
  font-family: Montserrat, sans-serif;
  font-weight: 600;
  color: #1A1F36;
}
.irr-disc-meta-chip .chip-icon { font-size: 0.85rem; }

/* ── Authority sources table ─────────────────────────────────── */
.irr-disc-tbl-wrap { overflow-x: auto; margin: 10px 0; }
.irr-disc-tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  min-width: 500px;
}
.irr-disc-tbl th {
  background: #002868;
  color: #fff;
  padding: 8px 12px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.72rem;
  text-align: left;
}
.irr-disc-tbl td {
  padding: 9px 12px;
  border-bottom: 1px solid #D0D5E8;
  color: #1A1F36;
  vertical-align: top;
}
.irr-disc-tbl tr:nth-child(even) td { background: #F8F9FF; }
.irr-disc-tbl .td-src { font-weight: 700; color: #002868; white-space: nowrap; }
.irr-disc-tbl .td-badge {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 10px;
  font-size: 0.68rem;
  font-weight: 700;
  font-family: Montserrat, sans-serif;
  white-space: nowrap;
}
.gov-badge { background: #e6eaf5; color: #002868; }
.edu-badge { background: #e8f4ec; color: #00843D; }
.irr-disc-tbl a {
  color: #002868;
  text-decoration: underline;
  font-weight: 600;
  font-size: 0.78rem;
  word-break: break-all;
}
.irr-disc-tbl a:hover { color: #00843D; }

/* ── Accuracy pledge block ───────────────────────────────────── */
.irr-disc-pledge {
  background: linear-gradient(135deg, #002868 0%, #003d99 100%);
  border-radius: 12px;
  padding: 26px 30px;
  color: #fff;
  margin-bottom: 18px;
}
.irr-disc-pledge h3 {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  margin: 0 0 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.irr-disc-pledge-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
@media (max-width: 650px) {
  .irr-disc-pledge-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 400px) {
  .irr-disc-pledge-grid { grid-template-columns: 1fr; }
}
.irr-disc-pledge-item {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 9px;
  padding: 12px 14px;
}
.irr-disc-pledge-item .pi-icon { font-size: 1.3rem; margin-bottom: 6px; display: block; }
.irr-disc-pledge-item .pi-title {
  font-family: Montserrat, sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 3px;
}
.irr-disc-pledge-item .pi-text {
  font-size: 0.74rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.5;
}

/* ── Corrections / feedback ─────────────────────────────────── */
.irr-disc-feedback {
  background: #F8F9FF;
  border: 1px solid #D0D5E8;
  border-radius: 12px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.irr-disc-feedback h4 {
  font-family: Montserrat, sans-serif;
  font-size: 0.88rem;
  font-weight: 800;
  color: #002868;
  margin: 0 0 4px;
}
.irr-disc-feedback p { font-size: 0.8rem; color: #6B7280; margin: 0; }
.irr-disc-feedback a {
  background: #002868;
  color: #fff;
  border-radius: 8px;
  padding: 10px 20px;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 0.82rem;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: opacity 0.2s;
}
.irr-disc-feedback a:hover { opacity: 0.88; }

/* ── Legal links row ─────────────────────────────────────────── */
.irr-disc-legal-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}
.irr-disc-legal-row a {
  font-size: 0.75rem;
  color: #6B7280;
  text-decoration: underline;
  font-family: Montserrat, sans-serif;
  font-weight: 600;
  padding: 4px 0;
}
.irr-disc-legal-row a:hover { color: #002868; }
.irr-disc-legal-row span {
  color: #D0D5E8;
  font-size: 0.75rem;
  padding: 4px 0;
}
/* =========================================================
   NUCLEAR MOBILE PATCH: STRICT 1-COLUMN CONTAINMENT
   ========================================================= */

@media (max-width: 768px) {
    /* 1. Global Wrapper Lock */
    html, body { overflow-x: hidden !important; width: 100% !important; max-width: 100vw !important; }
    
    .page-wrap, .irr-edu-wrap, .irr-ex-wrap, .irr-pt-wrap, .irr-rc-wrap, .irr-faq-wrap, .irr-disc-wrap {
        width: 100% !important;
        max-width: 100vw !important;
        min-width: 0 !important;
        padding-left: 12px !important;
        padding-right: 12px !important;
        box-sizing: border-box !important;
        overflow-x: hidden !important;
        overflow-wrap: break-word !important;
        word-wrap: break-word !important;
    }

    /* 2. Flatten ALL Multi-Column Grids into 1 Single Column */
    .irr-two-col, .irr-three-col, .irr-four-col, .irr-steps, .irr-mode-grid,
    .irr-ex-two, .irr-ex-kpis, .irr-ex-scen,
    .irr-pt-two, .irr-pt-kpis, .irr-pt-steps, .irr-pt-do-dont,
    .irr-rc-grid,
    .irr-disc-two, .irr-disc-team, .irr-disc-pledge-grid {
        display: flex !important;
        flex-direction: column !important;
        width: 100% !important;
        min-width: 0 !important;
        gap: 12px !important;
    }

    /* 3. Force Flex Banners to Stack Vertically */
    .irr-ex-hdr, .irr-ex-topbar, .irr-ex-cta, .irr-ex-tryit,
    .irr-pt-hdr, .irr-pt-bar, .irr-pt-cta,
    .irr-rc-hdr, .irr-rc-cta,
    .irr-disc-banner, .irr-disc-feedback {
        display: flex !important;
        flex-direction: column !important;
        align-items: flex-start !important;
        width: 100% !important;
        height: auto !important;
    }

    /* 4. Shrink Rigid UI Elements */
    .irr-rc-hdr-stat {
        width: 100% !important;
        margin-top: 10px !important;
    }
    .irr-pt-num, .irr-disc-avatar, .irr-rc-card-icon, .disc-icon {
        flex-shrink: 0 !important;
    }

    /* 5. True Table & Timeline Scrolling (Viewport Minus Padding) */
    .irr-ex-tbl-wrap, 
    .irr-pt-tbl-wrap, 
    .irr-disc-tbl-wrap, 
    .irr-table-scroll,
    .irr-ex-timeline, 
    .irr-cf-timeline {
        display: block !important;
        width: calc(100vw - 24px) !important; 
        max-width: 100% !important;
        overflow-x: auto !important;
        -webkit-overflow-scrolling: touch !important;
        border: 1px solid var(--border) !important;
        border-radius: 8px !important;
    }
    
    /* Let the actual tables stretch INSIDE their scrolling wrappers */
    .irr-ex-tbl, .irr-pt-tbl, .irr-disc-tbl, .irr-cmp-table {
        width: max-content !important; 
        min-width: 100% !important;
    }

    /* 6. Special Fix for the MOIC Matrix (Keep it a grid, but make it scroll) */
    .irr-pt-matrix {
        width: calc(100vw - 24px) !important;
        max-width: 100% !important;
        overflow-x: auto !important;
        -webkit-overflow-scrolling: touch !important;
        display: grid !important; 
        /* DO NOT set to display: block, it destroys the matrix */
    }

    /* 7. Button Containment */
    .btn, .tab-btn, .irr-cta-btn, .irr-ex-cta a, .irr-pt-cta a, .irr-disc-feedback a {
        max-width: 100% !important;
        white-space: normal !important;
        text-align: center !important;
        justify-content: center !important;
    }
}