:root{
  --p1:#002868;--p2:#00183F;--p3:#1D1D1F;--p4:#5F6368;--p5:#E0E4E8;
  --p6:#F7F9FC;--p7:#FFFFFF;--p8:#BF0A30;--p9:#00875A;
  --navy-mid:#003580;--green-h:#006644;--red-h:#9B0826;
  --shadow-s:0 1px 4px rgba(0,40,104,.08);
  --shadow-m:0 4px 20px rgba(0,40,104,.12);
  --shadow-l:0 8px 40px rgba(0,40,104,.16);
  --radius:10px;--transition:all .2s ease;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--p4);background:var(--p7);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:1220px;margin:0 auto;padding:20px}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;color:var(--p3);line-height:1.25}
.hidden{display:none!important}
a{color:var(--p1);text-decoration:none}

/* HERO */
.hero{background:linear-gradient(135deg,var(--p1) 0%,var(--navy-mid) 60%,var(--p8) 100%);border-radius:16px;padding:32px 24px;margin-bottom:28px;text-align:center;color:#fff}
.hero h1{color:#fff;font-size:clamp(22px,3vw,30px);margin-bottom:10px;font-weight:800}
.hero p{font-size:15px;opacity:.9;max-width:760px;margin:0 auto 18px;line-height:1.55}
.hero-pills{display:flex;flex-wrap:wrap;justify-content:center;gap:7px}
.pill{background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.22);padding:5px 14px;border-radius:20px;font-size:11.5px;font-weight:600;color:#fff;white-space:nowrap}

/* MODULE TABS */
.module-tabs{display:grid;grid-template-columns:repeat(8,1fr);gap:5px;padding:8px;background:var(--p6);border:1px solid var(--p5);border-radius:12px;margin-bottom:22px}
.mtab{padding:11px 6px;text-align:center;background:transparent;border:2px solid transparent;border-radius:8px;cursor:pointer;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p4);transition:var(--transition);line-height:1.2}
.mtab:hover{background:var(--p7);color:var(--p1)}
.mtab.active{background:var(--p7);color:var(--p1);border-color:var(--p1);box-shadow:var(--shadow-s)}
.mtab .ti{display:block;font-size:18px;margin-bottom:3px}

/* GRID */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
.inp-panel{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-s)}
.res-panel{background:var(--p6);border:1px solid var(--p5);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-s);position:sticky;top:16px}

/* FORM */
.fsec{margin-bottom:18px}
.ftitle{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--p1);margin-bottom:11px;padding-bottom:7px;border-bottom:2px solid var(--p5);display:flex;align-items:center;gap:7px}
.frow{margin-bottom:13px}
.frow label{display:block;font-size:12.5px;font-weight:600;color:var(--p3);margin-bottom:4px}
.frow label .hint{font-weight:400;color:var(--p4);font-size:11px}
.ig{display:flex;align-items:stretch;border:1.5px solid var(--p5);border-radius:8px;overflow:hidden;transition:var(--transition);background:var(--p7)}
.ig:focus-within{border-color:var(--p1);box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.ig .pre,.ig .suf{display:flex;align-items:center;justify-content:center;padding:0 11px;background:var(--p6);font-size:12.5px;font-weight:600;color:var(--p4);min-width:36px;flex-shrink:0}
.ig input,.ig select{flex:1;padding:9px 11px;border:none;outline:none;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--p3);background:transparent;min-width:0}
.ig select{cursor:pointer;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235F6368' d='M6 8L1 3h10z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 11px center;padding-right:30px}
.fsel{width:100%;padding:9px 30px 9px 11px;border:1.5px solid var(--p5);border-radius:8px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--p3);background:var(--p7);cursor:pointer;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235F6368' d='M6 8L1 3h10z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 11px center;transition:var(--transition)}
.fsel:focus{border-color:var(--p1);outline:none;box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.trow{display:flex;gap:7px;flex-wrap:wrap}
.tbtn{flex:1;min-width:70px;padding:8px 10px;border:1.5px solid var(--p5);border-radius:7px;background:var(--p7);font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--p4);cursor:pointer;text-align:center;transition:var(--transition)}
.tbtn:hover{border-color:var(--p1);color:var(--p1)}
.tbtn.active{background:var(--p1);color:#fff;border-color:var(--p1)}
.cb-row{display:flex;align-items:center;gap:8px;margin-bottom:9px}
.cb-row input[type=checkbox]{width:17px;height:17px;accent-color:var(--p1);cursor:pointer;flex-shrink:0}
.cb-row label{font-size:12.5px;color:var(--p3);cursor:pointer;font-weight:500}
.itip{font-size:11px;color:var(--p4);margin-top:4px;padding:6px 10px;background:rgba(0,40,104,.04);border-radius:6px;line-height:1.4}

/* INVESTMENT CARDS (M6) */
.inv-card{background:var(--p6);border:1px solid var(--p5);border-radius:9px;padding:14px;margin-bottom:11px;position:relative}
.inv-card-hdr{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}
.inv-num{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;color:var(--p1)}
.inv-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.btn-rm{width:26px;height:26px;border-radius:50%;border:1px solid var(--p8);background:transparent;color:var(--p8);font-size:15px;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:var(--transition)}
.btn-rm:hover{background:var(--p8);color:#fff}
.btn-add{width:100%;padding:11px;border:2px dashed var(--p5);border-radius:9px;background:transparent;font-family:'Inter',sans-serif;font-size:12.5px;font-weight:600;color:var(--p4);cursor:pointer;transition:var(--transition)}
.btn-add:hover{border-color:var(--p1);color:var(--p1);background:rgba(0,40,104,.02)}

/* SOLVE-FOR (M7) */
.sf-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:14px}
.sf-btn{padding:10px 8px;border:2px solid var(--p5);border-radius:8px;background:var(--p7);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p4);cursor:pointer;text-align:center;transition:var(--transition);line-height:1.3}
.sf-btn:hover{border-color:var(--p1);color:var(--p1)}
.sf-btn.active{background:var(--p9);color:#fff;border-color:var(--p9)}

/* ACTION BUTTONS */
.actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}
.btn-calc{flex:1;min-width:160px;padding:13px 22px;background:var(--p9);color:#fff;border:none;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;cursor:pointer;transition:var(--transition);display:flex;align-items:center;justify-content:center;gap:7px}
.btn-calc:hover{background:var(--green-h);transform:translateY(-1px);box-shadow:var(--shadow-m)}
.btn-sec{flex:1;min-width:110px;padding:11px 16px;background:var(--p7);color:var(--p1);border:2px solid var(--p1);border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:var(--transition);display:flex;align-items:center;justify-content:center;gap:6px}
.btn-sec:hover{background:var(--p1);color:#fff}
.btn-rst{padding:11px 16px;background:var(--p7);color:var(--p8);border:2px solid var(--p8);border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;transition:var(--transition)}
.btn-rst:hover{background:var(--p8);color:#fff}

/* RESULTS */
.res-placeholder{text-align:center;padding:56px 20px;color:var(--p4)}
.res-placeholder .rpi{font-size:46px;margin-bottom:11px;opacity:.45}
.res-placeholder p{font-size:13.5px;max-width:290px;margin:0 auto;line-height:1.5}
.rcards{display:grid;grid-template-columns:repeat(2,1fr);gap:11px;margin-bottom:18px}
.rcard{background:var(--p7);border-radius:9px;padding:14px;border:1px solid var(--p5);text-align:center;transition:transform .2s}
.rcard:hover{transform:translateY(-2px);box-shadow:var(--shadow-s)}
.rcard.primary{background:linear-gradient(135deg,var(--p1),var(--navy-mid));color:#fff;grid-column:span 2;border:none}
.rcard.primary .rv{font-size:30px}
.rcard.primary .rl{color:rgba(255,255,255,.8)}
.rcard.primary .rs{color:rgba(255,255,255,.7)}
.rcard .rl{font-size:11px;font-weight:600;color:var(--p4);text-transform:uppercase;letter-spacing:.5px;margin-bottom:3px}
.rcard .rv{font-family:'Montserrat',sans-serif;font-size:21px;font-weight:800;color:var(--p3)}
.rcard .rs{font-size:10.5px;color:var(--p4);margin-top:2px}
.rcard.green .rv{color:var(--p9)}
.rcard.red .rv{color:var(--p8)}
.rcard.navy .rv{color:var(--p1)}

/* CHART AREA */
.chart-box{margin:16px 0;background:var(--p7);border-radius:9px;padding:14px;border:1px solid var(--p5)}
.chart-box h3{font-size:13.5px;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.chart-tabs{display:flex;gap:4px;margin-bottom:10px}
.ctab{padding:5px 13px;border-radius:6px;font-size:11.5px;font-weight:600;border:1px solid var(--p5);background:var(--p7);color:var(--p4);cursor:pointer;transition:var(--transition)}
.ctab.active{background:var(--p1);color:#fff;border-color:var(--p1)}

/* COMPARISON TABLE */
.comp-box{margin:16px 0;background:var(--p7);border-radius:9px;padding:14px;border:1px solid var(--p5)}
.comp-box h3{font-size:13.5px;margin-bottom:10px;display:flex;align-items:center;gap:6px}

/* DATA TABLE */
.dtw{margin:16px 0;background:var(--p7);border-radius:9px;border:1px solid var(--p5);overflow:hidden}
.dtw h3{font-size:13.5px;padding:14px 14px 10px;margin:0;display:flex;align-items:center;gap:6px}
.dt-scroll{overflow-x:auto;max-height:380px;overflow-y:auto}
table.dt{width:100%;border-collapse:collapse;font-size:12.5px}
table.dt thead{position:sticky;top:0;z-index:2}
table.dt th{background:var(--p1);color:#fff;padding:9px 13px;text-align:right;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.3px;white-space:nowrap}
table.dt th:first-child{text-align:center}
table.dt td{padding:8px 13px;text-align:right;border-bottom:1px solid var(--p5);color:var(--p3);font-variant-numeric:tabular-nums}
table.dt td:first-child{text-align:center;font-weight:600;color:var(--p1)}
table.dt tbody tr:hover{background:rgba(0,40,104,.03)}
table.dt tbody tr:nth-child(even){background:var(--p6)}
table.dt .hl{background:rgba(0,135,90,.07)!important;font-weight:600}
.dt-foot{padding:11px 14px;background:var(--p6);border-top:2px solid var(--p1);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;font-weight:600;color:var(--p3)}

/* COMPARISON TABLE STYLES */
table.ctbl{width:100%;border-collapse:collapse;font-size:12.5px}
table.ctbl th{background:var(--p6);color:var(--p3);padding:9px 11px;text-align:right;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;border-bottom:2px solid var(--p5)}
table.ctbl th:first-child{text-align:left}
table.ctbl td{padding:9px 11px;text-align:right;border-bottom:1px solid var(--p5);color:var(--p3)}
table.ctbl td:first-child{text-align:left;font-weight:600;color:var(--p1)}
table.ctbl .best{color:var(--p9);font-weight:700}
table.ctbl .worst{color:var(--p8);font-weight:600}
table.ctbl .rank-1{background:rgba(0,135,90,.05)}

/* ALERTS */
.info-box{padding:11px 14px;background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.12);border-radius:8px;margin:10px 0;font-size:12.5px;color:var(--p1);display:flex;align-items:flex-start;gap:7px;line-height:1.45}
.warn-box{padding:11px 14px;background:rgba(191,10,48,.05);border:1px solid rgba(191,10,48,.18);border-radius:8px;margin:10px 0;font-size:12.5px;color:var(--p8);display:flex;align-items:flex-start;gap:7px;line-height:1.45}
.good-box{padding:11px 14px;background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18);border-radius:8px;margin:10px 0;font-size:12.5px;color:var(--p9);display:flex;align-items:flex-start;gap:7px;line-height:1.45}

/* BENCHMARKS */
.bench-bars{margin:12px 0}
.bbar{display:flex;align-items:center;gap:9px;margin-bottom:8px}
.bbar-lbl{font-size:12px;font-weight:600;min-width:110px;color:var(--p3)}
.bbar-track{flex:1;height:22px;background:var(--p5);border-radius:11px;overflow:hidden;position:relative}
.bbar-fill{height:100%;border-radius:11px;transition:width .7s ease;display:flex;align-items:center;padding-left:8px}
.bbar-fill span{font-size:11px;font-weight:700;color:#fff;white-space:nowrap}
.bbar-val{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;min-width:70px;text-align:right}

/* OPP COST */
.opp-highlight{background:linear-gradient(135deg,rgba(191,10,48,.06),rgba(0,40,104,.04));border:1px solid rgba(0,40,104,.12);border-radius:10px;padding:16px;margin:14px 0;text-align:center}
.opp-highlight .big-num{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;color:var(--p8)}
.opp-highlight .big-label{font-size:12.5px;color:var(--p4);margin-top:4px}

/* RANGE SLIDER */
input[type=range]{-webkit-appearance:none;width:100%;height:5px;background:var(--p5);border-radius:3px;outline:none;margin:7px 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:19px;height:19px;border-radius:50%;background:var(--p1);cursor:pointer;box-shadow:var(--shadow-s)}
.sl-row{display:flex;align-items:center;gap:11px}
.sl-val{font-family:'Montserrat',sans-serif;font-weight:700;font-size:13.5px;color:var(--p1);min-width:58px;text-align:center}

/* ANIMATIONS */
@keyframes fadeUp{from{opacity:0;transform:translateY(7px)}to{opacity:1;transform:translateY(0)}}
.anim{animation:fadeUp .35s ease forwards}

/* AD */
.ad-wrap{margin:18px 0;padding:18px;background:var(--p6);border:1px dashed var(--p5);border-radius:8px;text-align:center;color:var(--p4);font-size:12px;min-height:80px;display:flex;align-items:center;justify-content:center}

/* RESPONSIVE */
@media(max-width:900px){.module-tabs{grid-template-columns:repeat(4,1fr)}}
@media(max-width:768px){
  .calc-grid{grid-template-columns:1fr}
  .res-panel{position:static}
  .rcards{grid-template-columns:1fr}
  .rcard.primary{grid-column:span 1}
  .module-tabs{grid-template-columns:repeat(4,1fr)}
  .inv-grid{grid-template-columns:1fr}
  .sf-grid{grid-template-columns:1fr 1fr}
  .actions{flex-direction:column}
  .hero h1{font-size:20px}
}
@media(max-width:480px){.module-tabs{grid-template-columns:repeat(2,1fr)}.mtab .ti{font-size:15px}}
/* ── Section wrapper inherits .wrap layout ────────────────── */
.roi-sections{max-width:1220px;margin:0 auto;padding:0 20px 60px}

/* ── Section header (reuses calc color tokens) ────────────── */
.s-hdr{margin-bottom:28px}
.s-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.s-hdr h2{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,24px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.s-hdr p{font-size:14px;color:var(--p4);max-width:700px;line-height:1.6}

/* ── Divider ──────────────────────────────────────────────── */
.s-divider{height:1px;background:var(--p5);margin:48px 0}

/* ── HOW IT WORKS ─────────────────────────────────────────── */
/* Steps grid */
.hiw-steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:28px}
.hiw-step-card{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);padding:20px;position:relative;overflow:hidden;transition:var(--transition)}
.hiw-step-card:hover{border-color:var(--p1);box-shadow:var(--shadow-m);transform:translateY(-2px)}
.hiw-step-card::before{content:'';position:absolute;top:0;left:0;width:4px;height:100%;background:var(--p1)}
.hiw-step-card.green::before{background:var(--p9)}
.hiw-step-card.red::before{background:var(--p8)}
.hiw-step-card.amber::before{background:#F59E0B}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--p1);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:12px;margin-bottom:10px;flex-shrink:0}
.step-num.green{background:var(--p9)}
.step-num.amber{background:#F59E0B;color:var(--p3)}
.step-num.red{background:var(--p8)}
.hiw-step-card h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--p3);margin-bottom:7px}
.hiw-step-card p{font-size:12.5px;color:var(--p4);line-height:1.65;margin:0}
.hiw-step-card code{background:rgba(0,40,104,.07);padding:1px 5px;border-radius:4px;font-size:11.5px;color:var(--p1);font-family:'Courier New',monospace}

/* Tab breakdown cards */
.tab-breakdown{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:20px}
.tab-card{background:var(--p6);border:1px solid var(--p5);border-radius:var(--radius);padding:16px;transition:var(--transition)}
.tab-card:hover{background:var(--p7);border-color:var(--p1);box-shadow:var(--shadow-s)}
.tab-card .tc-icon{font-size:22px;margin-bottom:8px;display:block}
.tab-card .tc-name{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--p1);margin-bottom:5px}
.tab-card .tc-desc{font-size:11.5px;color:var(--p4);line-height:1.55;margin:0}
.tab-card .tc-tag{display:inline-block;margin-top:8px;padding:2px 9px;border-radius:12px;font-size:10.5px;font-weight:700;background:rgba(0,40,104,.08);color:var(--p1);font-family:'Montserrat',sans-serif}
.tab-card .tc-tag.green{background:rgba(0,135,90,.1);color:var(--p9)}
.tab-card .tc-tag.red{background:rgba(191,10,48,.08);color:var(--p8)}
.tab-card .tc-tag.amber{background:rgba(245,158,11,.1);color:#92400e}

/* Formula block */
.formula-block{background:var(--p3);color:#e0e4e8;border-radius:9px;padding:16px 18px;font-family:'Courier New',monospace;font-size:13px;line-height:1.8;margin:14px 0;overflow-x:auto}
.formula-block .fl{color:#F59E0B;font-size:10.5px;text-transform:uppercase;letter-spacing:.06em;font-weight:700;display:block;margin-bottom:3px;font-family:'Montserrat',sans-serif}
.formula-block .fv{color:#4ade80;font-weight:700}
.formula-block .fr{color:#f87171}
.formula-block .fn{color:#93c5fd}

/* ── PRO TIPS ─────────────────────────────────────────────── */
.tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.tip-card{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.tip-card:hover{box-shadow:var(--shadow-m);transform:translateY(-2px)}
.tip-hdr{padding:16px 18px;display:flex;align-items:flex-start;gap:12px}
.tip-hdr.navy{background:var(--p1)}
.tip-hdr.green{background:var(--p9)}
.tip-hdr.red{background:var(--p8)}
.tip-hdr.amber{background:#d97706}
.tip-hdr.purple{background:#6366F1}
.tip-icon{font-size:24px;flex-shrink:0;line-height:1}
.tip-hdr-txt h4{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:#fff;margin:0 0 3px}
.tip-hdr-txt p{font-size:11.5px;color:rgba(255,255,255,.8);margin:0;line-height:1.4}
.tip-body{padding:16px 18px}
.tip-body p{font-size:13px;color:var(--p4);line-height:1.65;margin-bottom:10px}
.tip-body p:last-child{margin-bottom:0}
.tip-body strong{color:var(--p3)}
.tip-body .do-dont{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}
.do-item,.dont-item{padding:10px 12px;border-radius:7px;font-size:11.5px;line-height:1.55}
.do-item{background:rgba(0,135,90,.06);border-left:3px solid var(--p9);color:var(--p4)}
.dont-item{background:rgba(191,10,48,.05);border-left:3px solid var(--p8);color:var(--p4)}
.do-item strong{color:var(--p9)}
.dont-item strong{color:var(--p8)}

/* ── REAL EXAMPLES ────────────────────────────────────────── */
.example-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.ex-card{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);overflow:hidden}
.ex-hdr{padding:14px 18px;display:flex;align-items:center;gap:10px}
.ex-hdr.navy{background:linear-gradient(135deg,var(--p1),var(--navy-mid))}
.ex-hdr.green{background:linear-gradient(135deg,var(--p9),var(--green-h))}
.ex-hdr.red{background:linear-gradient(135deg,var(--p8),var(--red-h))}
.ex-hdr.amber{background:linear-gradient(135deg,#d97706,#92400e)}
.ex-hdr-icon{font-size:22px}
.ex-hdr-txt h4{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:#fff;margin:0 0 2px}
.ex-hdr-txt p{font-size:11px;color:rgba(255,255,255,.8);margin:0}
.ex-body{padding:14px 18px}
/* Reuse existing .dt table style for examples */
.ex-body table{width:100%;border-collapse:collapse;font-size:12px;margin:10px 0}
.ex-body th{background:var(--p1);color:#fff;padding:7px 10px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-align:left}
.ex-body td{padding:6px 10px;border-bottom:1px solid var(--p5);color:var(--p4);font-size:12px}
.ex-body tr:nth-child(even) td{background:var(--p6)}
.ex-body .td-g{color:var(--p9);font-weight:700}
.ex-body .td-r{color:var(--p8);font-weight:700}
.ex-body .td-n{color:var(--p1);font-weight:700}
.ex-verdict{display:flex;align-items:center;gap:8px;margin-top:10px;padding:10px 12px;border-radius:7px;font-size:12.5px;font-weight:600}
.ex-verdict.good{background:rgba(0,135,90,.07);border:1px solid rgba(0,135,90,.2);color:var(--p9)}
.ex-verdict.warn{background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.18);color:var(--p8)}
.ex-note{font-size:11.5px;color:var(--p4);margin-top:8px;font-style:italic;line-height:1.5}

/* ── FAQ ──────────────────────────────────────────────────── */
.faq-search-wrap{position:relative;max-width:520px;margin-bottom:20px}
.faq-search-wrap input{width:100%;padding:11px 16px 11px 40px;border:1.5px solid var(--p5);border-radius:9px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--p3);background:var(--p7);outline:none;transition:var(--transition)}
.faq-search-wrap input:focus{border-color:var(--p1);box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.faq-search-icon{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-size:15px;color:var(--p4);pointer-events:none}
.faq-cats{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:20px}
.fcat{padding:6px 15px;border-radius:20px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;border:1.5px solid var(--p5);background:var(--p7);color:var(--p4);cursor:pointer;transition:var(--transition)}
.fcat:hover{border-color:var(--p1);color:var(--p1)}
.fcat.active{background:var(--p1);color:#fff;border-color:var(--p1)}
.faq-list{display:flex;flex-direction:column;gap:8px}
.faq-item{background:var(--p7);border:1.5px solid var(--p5);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.faq-item:hover{border-color:var(--p1)}
.faq-item.open{border-color:var(--p1);box-shadow:var(--shadow-s)}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;cursor:pointer;gap:12px;background:var(--p7);transition:var(--transition)}
.faq-q:hover{background:var(--p6)}
.faq-item.open .faq-q{background:rgba(0,40,104,.04)}
.faq-q-txt{font-size:13.5px;font-weight:600;color:var(--p3);line-height:1.4;flex:1}
.faq-toggle{font-size:18px;font-weight:700;color:var(--p1);flex-shrink:0;transition:transform .3s;display:flex;align-items:center;justify-content:center;width:22px;height:22px}
.faq-item.open .faq-toggle{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-a-inner{padding:0 18px 16px;font-size:13px;color:var(--p4);line-height:1.7}
.faq-a-inner p{margin-bottom:8px}
.faq-a-inner p:last-child{margin:0}
.faq-a-inner strong{color:var(--p3)}
.faq-a-inner ul{margin:8px 0 8px 18px}
.faq-a-inner li{margin-bottom:4px;font-size:12.5px}
.faq-a-inner .formula-inline{background:rgba(0,40,104,.06);padding:6px 12px;border-radius:6px;font-family:'Courier New',monospace;font-size:12px;color:var(--p1);display:block;margin:8px 0}
.faq-a-inner a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.faq-empty{text-align:center;padding:40px 20px;color:var(--p4);font-size:13.5px;display:none}

/* ── RELATED CALCULATORS ──────────────────────────────────── */
.rel-info-box{display:flex;align-items:flex-start;gap:12px;background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.12);border-radius:9px;padding:14px 18px;margin-bottom:22px;font-size:13px;color:var(--p4);line-height:1.6}
.rel-info-box strong{color:var(--p3)}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel-card{background:var(--p7);border:1.5px solid var(--p5);border-radius:var(--radius);padding:18px;display:flex;flex-direction:column;gap:10px;transition:var(--transition)}
.rel-card:hover{border-color:var(--p1);box-shadow:var(--shadow-m);transform:translateY(-2px)}
.rel-card.featured{border-color:var(--p1);background:linear-gradient(145deg,rgba(0,40,104,.03),rgba(0,40,104,.01))}
.rel-card-icon{font-size:24px}
.rel-card h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--p3);margin:0}
.rel-card p{font-size:12px;color:var(--p4);line-height:1.55;margin:0;flex:1}
.rel-card a{display:flex;align-items:center;justify-content:center;gap:6px;padding:9px 14px;background:var(--p1);color:#fff;border-radius:7px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;text-decoration:none;transition:var(--transition);margin-top:auto}
.rel-card a:hover{background:var(--navy-mid);transform:translateY(-1px)}
.rel-card.featured a{background:var(--p9)}
.rel-card.featured a:hover{background:var(--green-h)}
.rel-tag{display:inline-block;padding:2px 9px;border-radius:12px;font-size:10.5px;font-weight:700;font-family:'Montserrat',sans-serif;background:rgba(0,40,104,.08);color:var(--p1);margin-bottom:2px}
.rel-tag.green{background:rgba(0,135,90,.1);color:var(--p9)}

/* ── DISCLAIMER ───────────────────────────────────────────── */
.disc-wrap{background:rgba(245,158,11,.05);border:1.5px solid rgba(245,158,11,.3);border-radius:var(--radius);padding:22px}
.disc-hdr{display:flex;align-items:flex-start;gap:12px;margin-bottom:14px;padding-bottom:14px;border-bottom:1px solid rgba(245,158,11,.2)}
.disc-icon{font-size:26px;flex-shrink:0}
.disc-hdr-txt h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:#92400e;margin:0 0 3px}
.disc-hdr-txt p{font-size:12.5px;color:#a16207;margin:0;line-height:1.5}
.disc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.disc-item{background:var(--p7);border-radius:8px;padding:12px 14px}
.disc-item strong{display:block;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--p3);margin-bottom:4px}
.disc-item p{font-size:12px;color:var(--p4);line-height:1.55;margin:0}
.disc-footer{font-size:12px;color:var(--p4);line-height:1.6}
.disc-footer a{color:var(--p1);font-weight:600}

/* ── TRANSPARENCY BLOCK ───────────────────────────────────── */
.transp-wrap{background:var(--p6);border:1px solid var(--p5);border-radius:var(--radius);padding:22px;margin-top:16px;display:flex;align-items:flex-start;gap:18px}
.transp-logo{width:52px;height:52px;border-radius:12px;background:var(--p1);display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;color:#fff;flex-shrink:0;letter-spacing:-0.5px}
.transp-body h4{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--p3);margin:0 0 6px}
.transp-body p{font-size:12.5px;color:var(--p4);margin:0 0 10px;line-height:1.6}
.transp-badges{display:flex;flex-wrap:wrap;gap:7px}
.tbadge{display:flex;align-items:center;gap:5px;font-size:11.5px;font-weight:600;color:var(--p4);font-family:'Montserrat',sans-serif}
.tbadge .check{color:var(--p9);font-size:13px;font-weight:800}

/* ── RESPONSIVE ───────────────────────────────────────────── */
@media(max-width:900px){
  .hiw-steps-grid{grid-template-columns:repeat(2,1fr)}
  .tab-breakdown{grid-template-columns:repeat(2,1fr)}
  .rel-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .hiw-steps-grid{grid-template-columns:1fr}
  .tab-breakdown{grid-template-columns:1fr 1fr}
  .tips-grid{grid-template-columns:1fr}
  .example-grid{grid-template-columns:1fr}
  .disc-grid{grid-template-columns:1fr}
  .tip-body .do-dont{grid-template-columns:1fr}
  .rel-grid{grid-template-columns:1fr}
  .transp-wrap{flex-direction:column;gap:12px}
}
@media(max-width:480px){
  .tab-breakdown{grid-template-columns:1fr}
  .faq-cats{gap:5px}
  .fcat{padding:5px 11px;font-size:10.5px}
  .roi-sections{padding:0 14px 48px}
}
@media(prefers-reduced-motion:reduce){
  .hiw-step-card,.tip-card,.rel-card,.ex-card{transition:none}
  .hiw-step-card:hover,.tip-card:hover,.rel-card:hover{transform:none}
}


/* ══ SCOPED STYLES (ex2- prefix, zero conflicts) ═══════════ */

/* Section wrapper */
.ex2-wrap{max-width:1220px;margin:0 auto;padding:0 20px 56px}

/* Section header — matches .s-hdr */
.ex2-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.ex2-wrap .ex2-hdr h2{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,24px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.ex2-wrap .ex2-hdr p{font-size:14px;color:var(--p4);max-width:720px;line-height:1.6;margin-bottom:28px}

/* Navigation pills — cycle between examples */
.ex2-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.ex2-pill{display:flex;align-items:center;gap:7px;padding:9px 16px;border:1.5px solid var(--p5);border-radius:9px;background:var(--p7);font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--p4);cursor:pointer;transition:var(--transition);white-space:nowrap}
.ex2-pill:hover{border-color:var(--p1);color:var(--p1);background:rgba(0,40,104,.03)}
.ex2-pill.active{background:var(--p1);color:#fff;border-color:var(--p1);box-shadow:var(--shadow-s)}
.ex2-pill .ep-icon{font-size:16px}
.ex2-pill .ep-num{display:inline-flex;align-items:center;justify-content:center;width:19px;height:19px;border-radius:50%;background:rgba(255,255,255,.2);font-size:10px;font-weight:800}
.ex2-pill.active .ep-num{background:rgba(255,255,255,.25)}
.ex2-pill:not(.active) .ep-num{background:rgba(0,40,104,.1);color:var(--p1)}

/* Main example card */
.ex2-card{display:none;background:var(--p7);border:1px solid var(--p5);border-radius:14px;overflow:hidden;box-shadow:var(--shadow-m);animation:ex2FadeIn .3s ease forwards}
.ex2-card.active{display:block}
@keyframes ex2FadeIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}

/* Card hero banner */
.ex2-banner{padding:22px 24px;display:flex;align-items:flex-start;gap:16px;position:relative;overflow:hidden}
.ex2-banner::after{content:'';position:absolute;right:-30px;top:-30px;width:160px;height:160px;border-radius:50%;background:rgba(255,255,255,.06)}
.ex2-banner.navy{background:linear-gradient(135deg,var(--p1) 0%,var(--navy-mid) 100%)}
.ex2-banner.green{background:linear-gradient(135deg,var(--p9) 0%,var(--green-h) 100%)}
.ex2-banner.red{background:linear-gradient(135deg,var(--p8) 0%,var(--red-h) 100%)}
.ex2-banner.amber{background:linear-gradient(135deg,#d97706 0%,#92400e 100%)}
.ex2-banner.purple{background:linear-gradient(135deg,#4F46E5 0%,#3730A3 100%)}
.ex2-banner-icon{font-size:40px;flex-shrink:0;line-height:1;position:relative;z-index:1}
.ex2-banner-txt{position:relative;z-index:1}
.ex2-banner-txt h3{font-family:'Montserrat',sans-serif;font-size:clamp(16px,2.5vw,20px);font-weight:800;color:#fff;margin:0 0 5px;line-height:1.2}
.ex2-banner-txt .ex2-sub{font-size:12.5px;color:rgba(255,255,255,.82);line-height:1.5;margin:0 0 10px}
.ex2-banner-tags{display:flex;flex-wrap:wrap;gap:6px}
.ex2-btag{display:inline-block;padding:3px 11px;border-radius:14px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.22)}

/* Card body layout */
.ex2-body{padding:22px 24px}
.ex2-body-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}

/* KPI row at top */
.ex2-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}
.ex2-kpi{background:var(--p6);border:1px solid var(--p5);border-radius:10px;padding:13px;text-align:center;transition:var(--transition)}
.ex2-kpi:hover{border-color:var(--p1);box-shadow:var(--shadow-s)}
.ex2-kpi .kl{font-size:10.5px;font-weight:700;color:var(--p4);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px;font-family:'Montserrat',sans-serif}
.ex2-kpi .kv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--p3);line-height:1.1}
.ex2-kpi .ks{font-size:10px;color:var(--p4);margin-top:2px}
.ex2-kpi.kpi-navy{border-top:3px solid var(--p1)}
.ex2-kpi.kpi-green{border-top:3px solid var(--p9)}
.ex2-kpi.kpi-red{border-top:3px solid var(--p8)}
.ex2-kpi.kpi-amber{border-top:3px solid #F59E0B}
.ex2-kpi.kpi-navy .kv{color:var(--p1)}
.ex2-kpi.kpi-green .kv{color:var(--p9)}
.ex2-kpi.kpi-red .kv{color:var(--p8)}
.ex2-kpi.kpi-amber .kv{color:#d97706}

/* Data table — matches .dt style */
.ex2-tbl-wrap{border-radius:9px;border:1px solid var(--p5);overflow:hidden;margin-bottom:14px}
.ex2-tbl-wrap h4{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--p3);padding:11px 14px 9px;margin:0;background:var(--p6);border-bottom:1px solid var(--p5);display:flex;align-items:center;gap:6px}
.ex2-tbl{width:100%;border-collapse:collapse;font-size:12px}
.ex2-tbl th{background:var(--p1);color:#fff;padding:8px 12px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-align:left}
.ex2-tbl td{padding:7px 12px;border-bottom:1px solid var(--p5);color:var(--p4);font-size:12px;vertical-align:top}
.ex2-tbl tr:last-child td{border-bottom:none}
.ex2-tbl tr:nth-child(even) td{background:var(--p6)}
.ex2-tbl .td-g{color:var(--p9);font-weight:700}
.ex2-tbl .td-r{color:var(--p8);font-weight:700}
.ex2-tbl .td-n{color:var(--p1);font-weight:700}
.ex2-tbl .td-a{color:#d97706;font-weight:700}
.ex2-tbl .td-muted{color:var(--p4);font-style:italic}
.ex2-tbl tfoot td{background:rgba(0,40,104,.04);font-weight:700;color:var(--p3);border-top:2px solid var(--p1)}

/* Right column: context + verdict */
.ex2-context p{font-size:13px;color:var(--p4);line-height:1.7;margin-bottom:12px}
.ex2-context p:last-child{margin-bottom:0}
.ex2-context strong{color:var(--p3)}

/* Verdict / insight box */
.ex2-verdict{display:flex;align-items:flex-start;gap:10px;padding:13px 15px;border-radius:9px;font-size:13px;font-weight:600;line-height:1.5;margin-bottom:12px}
.ex2-verdict.good{background:rgba(0,135,90,.07);border:1px solid rgba(0,135,90,.22);color:var(--p9)}
.ex2-verdict.warn{background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.2);color:var(--p8)}
.ex2-verdict.info{background:rgba(0,40,104,.05);border:1px solid rgba(0,40,104,.15);color:var(--p1)}
.ex2-verdict.amber{background:rgba(245,158,11,.07);border:1px solid rgba(245,158,11,.3);color:#92400e}
.ex2-verdict-icon{font-size:18px;flex-shrink:0;line-height:1.3}
.ex2-verdict-txt{flex:1}

/* Try it CTA */
.ex2-cta{display:flex;align-items:center;justify-content:space-between;gap:12px;background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.12);border-radius:9px;padding:13px 16px;margin-top:4px;flex-wrap:wrap}
.ex2-cta p{font-size:12.5px;color:var(--p4);margin:0;line-height:1.5}
.ex2-cta p strong{color:var(--p3)}
.ex2-cta-btn{display:inline-flex;align-items:center;gap:6px;padding:9px 18px;background:var(--p9);color:#fff;border-radius:7px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;text-decoration:none;transition:var(--transition);white-space:nowrap;border:none;cursor:pointer;flex-shrink:0}
.ex2-cta-btn:hover{background:var(--green-h);transform:translateY(-1px)}

/* Module badge */
.ex2-mod-badge{display:inline-flex;align-items:center;gap:5px;padding:4px 11px;border-radius:14px;font-size:10.5px;font-weight:700;font-family:'Montserrat',sans-serif;background:rgba(0,40,104,.08);color:var(--p1);margin-bottom:12px}

/* Progress bar — for benchmark comparison */
.ex2-bars{margin:14px 0}
.ex2-bar-row{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.ex2-bar-lbl{font-size:11.5px;font-weight:600;color:var(--p3);min-width:130px;flex-shrink:0}
.ex2-bar-track{flex:1;height:20px;background:var(--p5);border-radius:10px;overflow:hidden;position:relative}
.ex2-bar-fill{height:100%;border-radius:10px;display:flex;align-items:center;padding-left:9px;transition:width .8s ease}
.ex2-bar-fill span{font-size:10.5px;font-weight:700;color:#fff;white-space:nowrap}
.ex2-bar-val{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;min-width:52px;text-align:right;flex-shrink:0}

/* Navigation arrows */
.ex2-footer-nav{display:flex;justify-content:space-between;align-items:center;margin-top:20px;padding-top:16px;border-top:1px solid var(--p5)}
.ex2-nav-btn{display:flex;align-items:center;gap:7px;padding:9px 18px;border:1.5px solid var(--p5);border-radius:8px;background:var(--p7);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--p4);cursor:pointer;transition:var(--transition)}
.ex2-nav-btn:hover{border-color:var(--p1);color:var(--p1);background:rgba(0,40,104,.03)}
.ex2-nav-btn:disabled{opacity:.35;cursor:not-allowed;pointer-events:none}
.ex2-counter{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--p4)}
.ex2-counter span{color:var(--p1)}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:900px){
  .ex2-kpis{grid-template-columns:repeat(2,1fr)}
  .ex2-body-grid{grid-template-columns:1fr}
}
@media(max-width:768px){
  .ex2-nav{gap:6px}
  .ex2-pill{padding:7px 12px;font-size:10.5px}
  .ex2-banner{padding:18px}
  .ex2-banner-icon{font-size:30px}
  .ex2-body{padding:16px}
  .ex2-kpis{grid-template-columns:repeat(2,1fr);gap:8px}
  .ex2-kpi .kv{font-size:17px}
  .ex2-cta{flex-direction:column;align-items:flex-start}
  .ex2-cta-btn{width:100%;justify-content:center}
}
@media(max-width:480px){
  .ex2-kpis{grid-template-columns:1fr 1fr}
  .ex2-nav-btn span{display:none}
  .ex2-bar-lbl{min-width:100px;font-size:10.5px}
}
@media(prefers-reduced-motion:reduce){
  .ex2-card{animation:none}
  .ex2-nav-btn,.ex2-cta-btn,.ex2-kpi,.ex2-pill{transition:none}
}



/* ══ SCOPED STYLES (pt2- prefix, zero conflicts) ════════════ */

.pt2-wrap{max-width:1220px;margin:0 auto;padding:0 20px 56px}

/* Section header */
.pt2-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.pt2-wrap .pt2-hdr h2{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,24px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.pt2-wrap .pt2-hdr p{font-size:14px;color:var(--p4);max-width:720px;line-height:1.6;margin-bottom:28px}

/* Tip grid — 5 cards stacked full-width for depth */
.pt2-grid{display:flex;flex-direction:column;gap:20px}

/* Tip card */
.pt2-card{background:var(--p7);border:1px solid var(--p5);border-radius:14px;overflow:hidden;box-shadow:var(--shadow-s);transition:var(--transition)}
.pt2-card:hover{box-shadow:var(--shadow-m)}

/* Card header banner */
.pt2-hdr-bar{padding:20px 24px;display:flex;align-items:flex-start;gap:16px;position:relative;overflow:hidden}
.pt2-hdr-bar::after{content:'';position:absolute;right:-24px;top:-24px;width:130px;height:130px;border-radius:50%;background:rgba(255,255,255,.07)}
.pt2-hdr-bar.navy{background:linear-gradient(135deg,var(--p1) 0%,var(--navy-mid) 100%)}
.pt2-hdr-bar.green{background:linear-gradient(135deg,var(--p9) 0%,var(--green-h) 100%)}
.pt2-hdr-bar.red{background:linear-gradient(135deg,var(--p8) 0%,var(--red-h) 100%)}
.pt2-hdr-bar.amber{background:linear-gradient(135deg,#d97706 0%,#92400e 100%)}
.pt2-hdr-bar.purple{background:linear-gradient(135deg,#4F46E5 0%,#3730A3 100%)}

/* Tip number badge */
.pt2-num{display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.18);border:2px solid rgba(255,255,255,.3);font-family:'Montserrat',sans-serif;font-weight:800;font-size:16px;color:#fff;flex-shrink:0;position:relative;z-index:1}
.pt2-hdr-meta{flex:1;position:relative;z-index:1}
.pt2-hdr-meta h3{font-family:'Montserrat',sans-serif;font-size:clamp(15px,2vw,18px);font-weight:800;color:#fff;margin:0 0 4px;line-height:1.2}
.pt2-hdr-meta .pt2-tagline{font-size:12.5px;color:rgba(255,255,255,.82);margin:0 0 10px;line-height:1.4}
.pt2-hdr-tags{display:flex;flex-wrap:wrap;gap:6px}
.pt2-tag{padding:3px 11px;border-radius:14px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;background:rgba(255,255,255,.15);color:#fff;border:1px solid rgba(255,255,255,.22)}

/* Card body */
.pt2-body{padding:22px 24px}
.pt2-body-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}

/* Left text column */
.pt2-text p{font-size:13.5px;color:var(--p4);line-height:1.75;margin-bottom:14px}
.pt2-text p:last-child{margin-bottom:0}
.pt2-text strong{color:var(--p3)}
.pt2-text a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* Formula block — dark code style matching existing .formula-block */
.pt2-formula{background:var(--p3);color:#e0e4e8;border-radius:9px;padding:14px 16px;font-family:'Courier New',monospace;font-size:12.5px;line-height:1.9;margin:14px 0;overflow-x:auto}
.pt2-formula .pf-label{color:#F59E0B;font-size:10px;text-transform:uppercase;letter-spacing:.07em;font-weight:700;display:block;margin-bottom:2px;font-family:'Montserrat',sans-serif}
.pt2-formula .pf-g{color:#4ade80;font-weight:700}
.pt2-formula .pf-r{color:#f87171}
.pt2-formula .pf-b{color:#93c5fd}
.pt2-formula .pf-y{color:#fde68a}

/* Inline formula pill */
.pt2-inline{background:rgba(0,40,104,.06);padding:5px 12px;border-radius:6px;font-family:'Courier New',monospace;font-size:12px;color:var(--p1);display:inline-block;margin:4px 0}

/* Right column: actionable panel */
.pt2-panel{background:var(--p6);border:1px solid var(--p5);border-radius:10px;overflow:hidden}
.pt2-panel-hdr{padding:10px 16px;border-bottom:1px solid var(--p5);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--p3);display:flex;align-items:center;gap:7px}

/* Do / Don't grid */
.pt2-do-dont{padding:14px}
.pt2-do-dont-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.pt2-do,.pt2-dont{padding:11px 13px;border-radius:8px;font-size:12px;line-height:1.6}
.pt2-do{background:rgba(0,135,90,.06);border-left:3px solid var(--p9)}
.pt2-dont{background:rgba(191,10,48,.05);border-left:3px solid var(--p8)}
.pt2-do strong{color:var(--p9);display:block;margin-bottom:3px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800}
.pt2-dont strong{color:var(--p8);display:block;margin-bottom:3px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800}
.pt2-do p,.pt2-dont p{margin:0;color:var(--p4)}

/* Step-by-step list */
.pt2-steps{padding:14px;display:flex;flex-direction:column;gap:9px}
.pt2-step{display:flex;align-items:flex-start;gap:10px}
.pt2-step-num{display:flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;background:var(--p1);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;flex-shrink:0;margin-top:1px}
.pt2-step-num.green{background:var(--p9)}
.pt2-step-num.amber{background:#d97706}
.pt2-step-num.red{background:var(--p8)}
.pt2-step-num.purple{background:#4F46E5}
.pt2-step p{font-size:12px;color:var(--p4);margin:0;line-height:1.6}
.pt2-step p strong{color:var(--p3)}

/* Stat callout box */
.pt2-stat{margin:14px 0;padding:14px 16px;border-radius:9px;background:rgba(0,40,104,.04);border:1px solid rgba(0,40,104,.12);display:flex;align-items:flex-start;gap:14px}
.pt2-stat .ps-num{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;line-height:1;flex-shrink:0}
.pt2-stat .ps-num.navy{color:var(--p1)}
.pt2-stat .ps-num.green{color:var(--p9)}
.pt2-stat .ps-num.red{color:var(--p8)}
.pt2-stat .ps-num.amber{color:#d97706}
.pt2-stat .ps-txt{font-size:12.5px;color:var(--p4);line-height:1.6}
.pt2-stat .ps-txt strong{color:var(--p3)}

/* Comparison mini-table inside panel */
.pt2-mini-tbl{width:100%;border-collapse:collapse;font-size:11.5px}
.pt2-mini-tbl th{background:var(--p1);color:#fff;padding:7px 11px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;text-align:left}
.pt2-mini-tbl td{padding:6px 11px;border-bottom:1px solid var(--p5);color:var(--p4)}
.pt2-mini-tbl tr:last-child td{border-bottom:none}
.pt2-mini-tbl tr:nth-child(even) td{background:rgba(0,40,104,.03)}
.pt2-mini-tbl .td-g{color:var(--p9);font-weight:700}
.pt2-mini-tbl .td-r{color:var(--p8);font-weight:700}
.pt2-mini-tbl .td-n{color:var(--p1);font-weight:700}
.pt2-mini-tbl .td-a{color:#d97706;font-weight:700}

/* Module link pill */
.pt2-mod-pill{display:inline-flex;align-items:center;gap:5px;padding:4px 12px;border-radius:14px;font-size:11px;font-weight:700;font-family:'Montserrat',sans-serif;background:rgba(0,40,104,.08);color:var(--p1);margin:0 4px 6px 0;border:1px solid rgba(0,40,104,.12)}

/* CTA strip at bottom of each card */
.pt2-cta{display:flex;align-items:center;justify-content:space-between;gap:12px;border-top:1px solid var(--p5);padding:14px 24px;background:rgba(0,40,104,.02);flex-wrap:wrap}
.pt2-cta p{font-size:12.5px;color:var(--p4);margin:0;line-height:1.5}
.pt2-cta p strong{color:var(--p3)}
.pt2-cta-btn{display:inline-flex;align-items:center;gap:6px;padding:9px 20px;background:var(--p1);color:#fff;border-radius:7px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;text-decoration:none;border:none;cursor:pointer;transition:var(--transition);white-space:nowrap;flex-shrink:0}
.pt2-cta-btn:hover{background:var(--navy-mid);transform:translateY(-1px)}
.pt2-cta-btn.green{background:var(--p9)}
.pt2-cta-btn.green:hover{background:var(--green-h)}
.pt2-cta-btn.red{background:var(--p8)}
.pt2-cta-btn.red:hover{background:var(--red-h)}
.pt2-cta-btn.amber{background:#d97706}
.pt2-cta-btn.purple{background:#4F46E5}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:900px){
  .pt2-body-grid{grid-template-columns:1fr}
}
@media(max-width:768px){
  .pt2-hdr-bar{padding:16px 18px;gap:12px}
  .pt2-num{width:32px;height:32px;font-size:14px}
  .pt2-body{padding:16px 18px}
  .pt2-do-dont-grid{grid-template-columns:1fr}
  .pt2-cta{flex-direction:column;align-items:flex-start}
  .pt2-cta-btn{width:100%;justify-content:center}
}
@media(max-width:480px){
  .pt2-hdr-meta h3{font-size:14px}
  .pt2-tag{font-size:10px;padding:2px 9px}
  .pt2-formula{font-size:11.5px}
  .pt2-stat .ps-num{font-size:22px}
}
@media(prefers-reduced-motion:reduce){
  .pt2-card,.pt2-cta-btn{transition:none}
  .pt2-card:hover{box-shadow:var(--shadow-s)}
  .pt2-cta-btn:hover{transform:none}
}


/* ══ SCOPED DISCLAIMER STYLES (ld2-) ═══════════════════════ */

.ld2-wrap{max-width:1220px;margin:0 auto;padding:0 20px 72px}

/* Section header */
.ld2-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(191,10,48,.07);border:1px solid rgba(191,10,48,.18);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p8);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.ld2-wrap .ld2-top h2{font-family:'Montserrat',sans-serif;font-size:clamp(17px,2.5vw,22px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.ld2-wrap .ld2-top p{font-size:13.5px;color:var(--p4);max-width:780px;line-height:1.65;margin-bottom:28px}

/* ── Main disclaimer box ────────────────────────────────── */
.ld2-main-box{background:rgba(191,10,48,.03);border:1.5px solid rgba(191,10,48,.2);border-radius:14px;padding:24px 28px;margin-bottom:28px;position:relative;overflow:hidden}
.ld2-main-box::before{content:'';position:absolute;top:0;left:0;width:5px;height:100%;background:var(--p8)}
.ld2-main-box-hdr{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.ld2-main-box-hdr .ld2-icon{font-size:22px;line-height:1}
.ld2-main-box-hdr h3{font-family:'Montserrat',sans-serif;font-size:14.5px;font-weight:800;color:var(--p8);margin:0}
.ld2-main-box-hdr .ld2-stamp{margin-left:auto;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;color:var(--p4);background:var(--p6);border:1px solid var(--p5);border-radius:6px;padding:3px 10px;flex-shrink:0}
.ld2-main-box p{font-size:13px;color:var(--p4);line-height:1.75;margin-bottom:12px}
.ld2-main-box p:last-child{margin-bottom:0}
.ld2-main-box strong{color:var(--p3)}
.ld2-main-box a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* ── Two-column layout ──────────────────────────────────── */
.ld2-cols{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}

/* ── Content blocks ─────────────────────────────────────── */
.ld2-block{background:var(--p7);border:1.5px solid var(--p5);border-radius:12px;padding:20px 22px}
.ld2-block-hdr{display:flex;align-items:center;gap:9px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--p5)}
.ld2-block-hdr .ld2-bicon{font-size:18px;line-height:1}
.ld2-block-hdr h4{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--p3);margin:0}
.ld2-block p{font-size:12.5px;color:var(--p4);line-height:1.7;margin-bottom:10px}
.ld2-block p:last-child{margin-bottom:0}
.ld2-block strong{color:var(--p3)}
.ld2-block a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* ── List inside blocks ─────────────────────────────────── */
.ld2-block ul,.ld2-block ol{margin:8px 0 10px 18px}
.ld2-block li{font-size:12px;color:var(--p4);line-height:1.6;margin-bottom:4px}
.ld2-block li strong{color:var(--p3)}
.ld2-block li a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}

/* ── Authority sources table ────────────────────────────── */
.ld2-gov-block{background:var(--p7);border:1.5px solid var(--p5);border-radius:12px;overflow:hidden;margin-bottom:18px}
.ld2-gov-hdr{padding:16px 22px;border-bottom:1px solid var(--p5);display:flex;align-items:center;gap:10px}
.ld2-gov-hdr .ld2-bicon{font-size:18px}
.ld2-gov-hdr h4{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--p3);margin:0}
.ld2-gov-hdr p{font-size:12px;color:var(--p4);margin:0 0 0 auto}
.ld2-gov-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.ld2-gov-card{padding:16px 18px;border-right:1px solid var(--p5);border-bottom:1px solid var(--p5);display:flex;flex-direction:column;gap:7px;text-decoration:none;transition:var(--transition)}
.ld2-gov-card:hover{background:rgba(0,40,104,.03)}
.ld2-gov-card:nth-child(3n){border-right:none}
.ld2-gov-card:nth-last-child(-n+3){border-bottom:none}
.ld2-gov-card-top{display:flex;align-items:center;gap:9px}
.ld2-gov-card-logo{display:flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:8px;flex-shrink:0;font-size:16px}
.ld2-gov-card-logo.navy{background:rgba(0,40,104,.1)}
.ld2-gov-card-logo.green{background:rgba(0,135,90,.1)}
.ld2-gov-card-logo.red{background:rgba(191,10,48,.08)}
.ld2-gov-card-logo.amber{background:rgba(217,119,6,.1)}
.ld2-gov-card-logo.purple{background:rgba(79,70,229,.08)}
.ld2-gov-card-logo.teal{background:rgba(13,148,136,.1)}
.ld2-gov-card-meta{flex:1;min-width:0}
.ld2-gov-card-name{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--p3);line-height:1.2;margin-bottom:1px}
.ld2-gov-card-org{font-size:10.5px;color:var(--p4);font-weight:500}
.ld2-gov-card-tag{display:inline-flex;align-items:center;padding:2px 9px;border-radius:12px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;width:fit-content}
.ld2-gov-card-tag.navy{background:rgba(0,40,104,.08);color:var(--p1)}
.ld2-gov-card-tag.green{background:rgba(0,135,90,.08);color:var(--p9)}
.ld2-gov-card-tag.red{background:rgba(191,10,48,.07);color:var(--p8)}
.ld2-gov-card-tag.amber{background:rgba(217,119,6,.08);color:#d97706}
.ld2-gov-card-tag.purple{background:rgba(79,70,229,.07);color:#4F46E5}
.ld2-gov-card-tag.teal{background:rgba(13,148,136,.07);color:#0D9488}
.ld2-gov-card-desc{font-size:11.5px;color:var(--p4);line-height:1.55}
.ld2-gov-card-url{font-size:10.5px;color:var(--p1);font-family:'Courier New',monospace;opacity:.75;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}

/* ── Methodology table ──────────────────────────────────── */
.ld2-method-tbl{width:100%;border-collapse:collapse;font-size:12px;margin-top:2px}
.ld2-method-tbl th{background:var(--p1);color:#fff;padding:8px 13px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;text-align:left}
.ld2-method-tbl td{padding:7px 13px;border-bottom:1px solid var(--p5);color:var(--p4);vertical-align:top;line-height:1.55}
.ld2-method-tbl tr:last-child td{border-bottom:none}
.ld2-method-tbl tr:nth-child(even) td{background:rgba(0,40,104,.02)}
.ld2-method-tbl .td-mod{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--p3);font-size:11.5px}
.ld2-method-tbl .td-src a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.ld2-method-tbl .td-check{color:var(--p9);font-weight:700}

/* ── Privacy badge row ──────────────────────────────────── */
.ld2-privacy-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.ld2-privacy-pill{display:flex;align-items:center;gap:7px;padding:8px 16px;border-radius:9px;background:var(--p6);border:1.5px solid var(--p5);font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--p4)}
.ld2-privacy-pill .pp-icon{font-size:15px}
.ld2-privacy-pill strong{color:var(--p3)}

/* ── Last updated bar ───────────────────────────────────── */
.ld2-updated-bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:13px 18px;background:var(--p6);border:1px solid var(--p5);border-radius:9px;margin-top:20px;flex-wrap:wrap}
.ld2-updated-bar p{font-size:12px;color:var(--p4);margin:0;line-height:1.5}
.ld2-updated-bar p strong{color:var(--p3)}
.ld2-updated-bar .ld2-ver{display:flex;align-items:center;gap:7px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p4)}
.ld2-updated-bar .ld2-dot{width:7px;height:7px;border-radius:50%;background:var(--p9);flex-shrink:0}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:960px){
  .ld2-gov-grid{grid-template-columns:repeat(2,1fr)}
  .ld2-gov-card:nth-child(3n){border-right:1px solid var(--p5)}
  .ld2-gov-card:nth-child(2n){border-right:none}
  .ld2-gov-card:nth-last-child(-n+3){border-bottom:1px solid var(--p5)}
  .ld2-gov-card:nth-last-child(-n+2){border-bottom:none}
}
@media(max-width:768px){
  .ld2-cols{grid-template-columns:1fr}
  .ld2-main-box{padding:18px 18px 18px 24px}
  .ld2-block{padding:16px 16px}
  .ld2-gov-hdr p{display:none}
}
@media(max-width:560px){
  .ld2-gov-grid{grid-template-columns:1fr}
  .ld2-gov-card{border-right:none !important}
  .ld2-gov-card:nth-last-child(-n+1){border-bottom:none}
  .ld2-gov-card:not(:last-child){border-bottom:1px solid var(--p5) !important}
  .ld2-privacy-row{gap:7px}
  .ld2-privacy-pill{padding:7px 12px;font-size:11px}
  .ld2-updated-bar{flex-direction:column;align-items:flex-start}
}
@media(prefers-reduced-motion:reduce){
  .ld2-gov-card{transition:none}
}


/* ══ SCOPED FAQ STYLES (fq2- prefix) ═══════════════════════ */

.fq2-wrap{max-width:1220px;margin:0 auto;padding:0 20px 56px}

/* Section header */
.fq2-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.fq2-wrap .fq2-top h2{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,24px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.fq2-wrap .fq2-top p{font-size:14px;color:var(--p4);max-width:720px;line-height:1.6;margin-bottom:24px}

/* Search bar */
.fq2-search-wrap{position:relative;max-width:540px;margin-bottom:18px}
.fq2-search-wrap input{width:100%;padding:12px 16px 12px 42px;border:1.5px solid var(--p5);border-radius:9px;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--p3);background:var(--p7);outline:none;transition:var(--transition)}
.fq2-search-wrap input:focus{border-color:var(--p1);box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.fq2-search-icon{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:15px;color:var(--p4);pointer-events:none}
.fq2-count{position:absolute;right:14px;top:50%;transform:translateY(-50%);font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p4)}

/* Category pills */
.fq2-cats{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:22px}
.fq2-cat{padding:7px 15px;border-radius:20px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;border:1.5px solid var(--p5);background:var(--p7);color:var(--p4);cursor:pointer;transition:var(--transition);display:flex;align-items:center;gap:5px}
.fq2-cat:hover{border-color:var(--p1);color:var(--p1)}
.fq2-cat.active{background:var(--p1);color:#fff;border-color:var(--p1)}
.fq2-cat .fq2-cat-count{display:inline-flex;align-items:center;justify-content:center;min-width:18px;height:18px;border-radius:9px;font-size:10px;font-weight:800;padding:0 4px}
.fq2-cat.active .fq2-cat-count{background:rgba(255,255,255,.22);color:#fff}
.fq2-cat:not(.active) .fq2-cat-count{background:rgba(0,40,104,.09);color:var(--p1)}

/* Accordion list */
.fq2-list{display:flex;flex-direction:column;gap:7px}

/* FAQ item */
.fq2-item{background:var(--p7);border:1.5px solid var(--p5);border-radius:var(--radius);overflow:hidden;transition:var(--transition)}
.fq2-item:hover{border-color:rgba(0,40,104,.3)}
.fq2-item.open{border-color:var(--p1);box-shadow:var(--shadow-s)}

/* Question row */
.fq2-q{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;cursor:pointer;gap:14px;background:var(--p7);transition:var(--transition)}
.fq2-q:hover{background:var(--p6)}
.fq2-item.open .fq2-q{background:rgba(0,40,104,.035)}
.fq2-q-left{display:flex;align-items:center;gap:12px;flex:1;min-width:0}
.fq2-q-num{display:flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:50%;background:var(--p6);border:1.5px solid var(--p5);font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:var(--p4);flex-shrink:0;transition:var(--transition)}
.fq2-item.open .fq2-q-num{background:var(--p1);border-color:var(--p1);color:#fff}
.fq2-q-txt{font-size:13.5px;font-weight:600;color:var(--p3);line-height:1.4}
.fq2-toggle{width:26px;height:26px;border-radius:50%;background:var(--p6);border:1.5px solid var(--p5);display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:700;color:var(--p1);flex-shrink:0;transition:all .3s}
.fq2-item.open .fq2-toggle{background:var(--p1);color:#fff;border-color:var(--p1);transform:rotate(45deg)}

/* Answer panel */
.fq2-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.fq2-a-inner{padding:0 18px 18px 54px;font-size:13px;color:var(--p4);line-height:1.75}
.fq2-a-inner p{margin-bottom:10px}
.fq2-a-inner p:last-child{margin:0}
.fq2-a-inner strong{color:var(--p3)}
.fq2-a-inner a{color:var(--p1);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.fq2-a-inner ul,.fq2-a-inner ol{margin:8px 0 10px 18px}
.fq2-a-inner li{margin-bottom:5px;font-size:12.5px;line-height:1.6}
.fq2-a-inner li strong{color:var(--p3)}

/* Formula pill inside answers */
.fq2-formula{background:rgba(0,40,104,.06);padding:8px 14px;border-radius:7px;font-family:'Courier New',monospace;font-size:12px;color:var(--p1);display:block;margin:10px 0;line-height:1.7;overflow-x:auto}

/* Inline verdict tags inside answers */
.fq2-tag-g{display:inline-block;padding:1px 9px;border-radius:12px;font-size:11px;font-weight:700;background:rgba(0,135,90,.1);color:var(--p9);font-family:'Montserrat',sans-serif}
.fq2-tag-r{display:inline-block;padding:1px 9px;border-radius:12px;font-size:11px;font-weight:700;background:rgba(191,10,48,.08);color:var(--p8);font-family:'Montserrat',sans-serif}
.fq2-tag-n{display:inline-block;padding:1px 9px;border-radius:12px;font-size:11px;font-weight:700;background:rgba(0,40,104,.09);color:var(--p1);font-family:'Montserrat',sans-serif}

/* Highlight box inside answer */
.fq2-highlight{background:rgba(0,40,104,.04);border-left:3px solid var(--p1);border-radius:0 7px 7px 0;padding:10px 14px;margin:10px 0;font-size:12.5px;line-height:1.65}
.fq2-highlight.green{background:rgba(0,135,90,.05);border-color:var(--p9)}
.fq2-highlight.red{background:rgba(191,10,48,.05);border-color:var(--p8)}
.fq2-highlight.amber{background:rgba(245,158,11,.05);border-color:#d97706}

/* Mini comparison table inside answer */
.fq2-tbl{width:100%;border-collapse:collapse;font-size:12px;margin:10px 0;border-radius:7px;overflow:hidden}
.fq2-tbl th{background:var(--p1);color:#fff;padding:7px 12px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-align:left}
.fq2-tbl td{padding:6px 12px;border-bottom:1px solid var(--p5);color:var(--p4)}
.fq2-tbl tr:last-child td{border-bottom:none}
.fq2-tbl tr:nth-child(even) td{background:var(--p6)}
.fq2-tbl .tg{color:var(--p9);font-weight:700}
.fq2-tbl .tr{color:var(--p8);font-weight:700}
.fq2-tbl .tn{color:var(--p1);font-weight:700}

/* Empty state */
.fq2-empty{text-align:center;padding:48px 20px;color:var(--p4);font-size:14px;display:none}
.fq2-empty .fq2-empty-icon{font-size:36px;display:block;margin-bottom:10px;opacity:.5}

/* Category divider labels */
.fq2-section-label{display:flex;align-items:center;gap:10px;margin:22px 0 12px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;color:var(--p1);text-transform:uppercase;letter-spacing:.06em}
.fq2-section-label::after{content:'';flex:1;height:1px;background:var(--p5)}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:768px){
  .fq2-a-inner{padding-left:18px}
  .fq2-q{padding:12px 14px}
  .fq2-q-txt{font-size:13px}
  .fq2-cats{gap:5px}
  .fq2-cat{padding:6px 11px;font-size:10.5px}
}
@media(max-width:480px){
  .fq2-q-num{display:none}
  .fq2-formula{font-size:11px}
  .fq2-tbl{font-size:11px}
  .fq2-tbl th,.fq2-tbl td{padding:5px 9px}
}
@media(prefers-reduced-motion:reduce){
  .fq2-item,.fq2-toggle,.fq2-a{transition:none}
}


/* ══ SCOPED RELATED CALCULATORS STYLES (rc2-) ══════════════ */

.rc2-wrap{max-width:1220px;margin:0 auto;padding:0 20px 64px}

/* Section header */
.rc2-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);border-radius:20px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1);margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.rc2-wrap .rc2-top h2{font-family:'Montserrat',sans-serif;font-size:clamp(18px,3vw,24px);font-weight:800;color:var(--p3);margin-bottom:8px;line-height:1.25}
.rc2-wrap .rc2-top p{font-size:14px;color:var(--p4);max-width:720px;line-height:1.6;margin-bottom:32px}

/* Group layout */
.rc2-groups{display:flex;flex-direction:column;gap:32px}

/* Group header */
.rc2-group-hdr{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.rc2-group-icon{font-size:22px;line-height:1}
.rc2-group-hdr h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--p3);margin:0}
.rc2-group-hdr p{font-size:12.5px;color:var(--p4);margin:0 0 0 auto;max-width:420px;text-align:right;line-height:1.4}
.rc2-group-line{flex:1;height:1px;background:var(--p5)}

/* Cards grid */
.rc2-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.rc2-grid.three{grid-template-columns:repeat(3,1fr)}
.rc2-grid.five{grid-template-columns:repeat(5,1fr)}

/* Calculator card */
.rc2-card{display:flex;flex-direction:column;background:var(--p7);border:1.5px solid var(--p5);border-radius:12px;overflow:hidden;text-decoration:none;transition:var(--transition);position:relative}
.rc2-card:hover{border-color:var(--p1);box-shadow:var(--shadow-m);transform:translateY(-2px)}
.rc2-card:hover .rc2-card-arrow{opacity:1;transform:translateX(3px)}

/* Card color bar (top accent) */
.rc2-card-bar{height:4px}
.rc2-card-bar.navy{background:var(--p1)}
.rc2-card-bar.green{background:var(--p9)}
.rc2-card-bar.amber{background:#d97706}
.rc2-card-bar.red{background:var(--p8)}
.rc2-card-bar.purple{background:#4F46E5}
.rc2-card-bar.teal{background:#0D9488}

/* Card body */
.rc2-card-body{padding:14px 14px 12px;flex:1;display:flex;flex-direction:column;gap:8px}
.rc2-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
.rc2-card-icon{font-size:22px;line-height:1;flex-shrink:0}
.rc2-card-arrow{font-size:13px;color:var(--p1);opacity:0;transition:all .25s;flex-shrink:0;margin-top:4px}

/* Tags */
.rc2-card-tag{display:inline-flex;align-items:center;padding:2px 9px;border-radius:12px;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;background:rgba(0,40,104,.07);color:var(--p1);width:fit-content}
.rc2-card-tag.green{background:rgba(0,135,90,.08);color:var(--p9)}
.rc2-card-tag.amber{background:rgba(217,119,6,.08);color:#d97706}
.rc2-card-tag.red{background:rgba(191,10,48,.07);color:var(--p8)}
.rc2-card-tag.purple{background:rgba(79,70,229,.07);color:#4F46E5}
.rc2-card-tag.teal{background:rgba(13,148,136,.07);color:#0D9488}

/* Title & description */
.rc2-card-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--p3);line-height:1.25;margin:2px 0 0}
.rc2-card-desc{font-size:11.5px;color:var(--p4);line-height:1.55;flex:1}

/* CTA foot */
.rc2-card-foot{padding:0 14px 13px;display:flex;align-items:center;gap:5px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--p1)}
.rc2-card-foot span{flex:1;height:1px;background:rgba(0,40,104,.1)}

/* "HOT" badge */
.rc2-hot{position:absolute;top:10px;right:10px;background:var(--p8);color:#fff;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;padding:2px 7px;border-radius:10px;text-transform:uppercase;letter-spacing:.04em}
.rc2-new{position:absolute;top:10px;right:10px;background:var(--p9);color:#fff;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;padding:2px 7px;border-radius:10px;text-transform:uppercase;letter-spacing:.04em}

/* Full directory CTA banner */
.rc2-dir-banner{margin-top:36px;background:linear-gradient(135deg,var(--p1) 0%,var(--navy-mid,#003580) 100%);border-radius:14px;padding:28px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px;overflow:hidden;position:relative}
.rc2-dir-banner::before{content:'175+';position:absolute;right:-8px;top:-18px;font-family:'Montserrat',sans-serif;font-size:120px;font-weight:900;color:rgba(255,255,255,.05);line-height:1;pointer-events:none}
.rc2-dir-banner-txt h3{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:#fff;margin:0 0 6px;line-height:1.2}
.rc2-dir-banner-txt p{font-size:13px;color:rgba(255,255,255,.8);margin:0;line-height:1.5}
.rc2-dir-btns{display:flex;gap:10px;flex-wrap:wrap;flex-shrink:0}
.rc2-dir-btn{display:inline-flex;align-items:center;gap:7px;padding:11px 22px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;text-decoration:none;transition:var(--transition);white-space:nowrap}
.rc2-dir-btn.primary{background:#fff;color:var(--p1)}
.rc2-dir-btn.primary:hover{background:#e8f0fe}
.rc2-dir-btn.outline{background:rgba(255,255,255,.12);color:#fff;border:1.5px solid rgba(255,255,255,.25)}
.rc2-dir-btn.outline:hover{background:rgba(255,255,255,.2)}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media(max-width:1100px){
  .rc2-grid{grid-template-columns:repeat(3,1fr)}
  .rc2-grid.five{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:768px){
  .rc2-grid,.rc2-grid.three,.rc2-grid.five{grid-template-columns:repeat(2,1fr)}
  .rc2-group-hdr p{display:none}
  .rc2-dir-banner{flex-direction:column;padding:22px 20px}
  .rc2-dir-banner::before{font-size:80px}
  .rc2-dir-btn{padding:10px 18px;font-size:12px}
}
@media(max-width:480px){
  .rc2-grid,.rc2-grid.three,.rc2-grid.five{grid-template-columns:1fr 1fr}
  .rc2-card-desc{display:none}
  .rc2-card-body{gap:5px;padding:11px 11px 9px}
  .rc2-card-title{font-size:12px}
  .rc2-card-foot{padding:0 11px 10px}
  .rc2-dir-btns{width:100%}
  .rc2-dir-btn{width:100%;justify-content:center}
}
@media(prefers-reduced-motion:reduce){
  .rc2-card,.rc2-card-arrow,.rc2-dir-btn{transition:none}
  .rc2-card:hover{transform:none}
  .rc2-card:hover .rc2-card-arrow{transform:none}
}
/* =========================================================
   ULTIMATE MOBILE TABLE SCROLL & CONTAINMENT PATCH
   ========================================================= */

@media screen and (max-width: 768px) {
    /* 1. STRICT VIEWPORT LOCK (Stops the whole page from swiping sideways) */
    html, body {
        width: 100vw !important;
        max-width: 100vw !important;
        overflow-x: hidden !important;
    }

    /* 2. PREVENT FLEX/GRID BLOWOUTS */
    /* This forces containers to respect the screen width instead of stretching */
    .wrap, .roi-sections, .ex2-wrap, .pt2-wrap, .ld2-wrap, .fq2-wrap, .rc2-wrap,
    .ex2-card, .ex2-body, .ex2-body-grid, .ex2-body-grid > div,
    .pt2-card, .pt2-body, .pt2-body-grid, .pt2-panel, .pt2-panel > div,
    .ld2-main-box, .ld2-block, .ld2-cols, .ld2-cols > div {
        min-width: 0 !important;
        max-width: 100% !important;
        box-sizing: border-box !important;
    }

    /* 3. THE SCROLLING WRAPPERS */
    /* Target the exact divs holding the tables and force them to swipe left/right */
    .dt-scroll, 
    .ex2-tbl-wrap, 
    .pt2-panel > div:not(.pt2-panel-hdr), 
    .ld2-block > div:not(.ld2-block-hdr) {
        display: block !important;
        width: 100% !important;
        max-width: 100% !important;
        overflow-x: auto !important;
        overflow-y: hidden !important;
        -webkit-overflow-scrolling: touch !important; /* Smooth scrolling on iOS */
        margin-bottom: 16px !important;
    }

    /* 4. THE TABLES INSIDE THE WRAPPERS */
    /* Force tables to stretch to their natural width so they trigger the scrollbar */
    table.dt, 
    table.ctbl, 
    table.ex2-tbl, 
    table.pt2-mini-tbl, 
    table.ld2-method-tbl, 
    table.fq2-tbl {
        display: table !important;
        width: max-content !important;
        min-width: 100% !important;
    }

    /* Stop text inside table cells from squishing vertically */
    table.dt th, table.dt td,
    table.ctbl th, table.ctbl td,
    table.ex2-tbl th, table.ex2-tbl td,
    table.pt2-mini-tbl th, table.pt2-mini-tbl td {
        white-space: nowrap !important; 
        word-wrap: normal !important;
    }

    /* 5. STACK MULTI-COLUMN LAYOUTS VERTICALLY */
    .calc-grid, .rcards, .hiw-steps-grid, .tab-breakdown, 
    .tips-grid, .example-grid, .ex2-body-grid, 
    .pt2-body-grid, .pt2-do-dont-grid, .ld2-cols, .ld2-gov-grid {
        display: flex !important;
        flex-direction: column !important;
        gap: 16px !important;
    }

    /* 6. FIX OVERFLOWING BANNERS/HEADERS */
    .ex2-banner, .pt2-hdr-bar, .rc2-dir-banner, .ld2-main-box-hdr {
        display: flex !important;
        flex-direction: column !important;
        align-items: flex-start !important;
        padding: 16px !important;
        width: 100% !important;
    }

    /* 7. SHRINK RIGID ICONS */
    .ex2-banner-icon, .pt2-num, .disc-icon, .ld2-icon {
        flex-shrink: 0 !important;
    }
}