:root{
  --navy:#002868;--navy-d:#001a45;--navy-l:#003a8c;--navy-xl:#e8ecf7;
  --red:#BF0A30;--red-l:#ffeaea;
  --green:#00875A;--green-l:#e6f5f0;
  --amber:#D97706;--amber-l:#fef3c7;
  --purple:#7c3aed;--purple-l:#ede9fe;
  --teal:#0891b2;--teal-l:#e0f2fe;
  --g50:#f8fafc;--g100:#f1f5f9;--g200:#e2e8f0;--g300:#cbd5e1;
  --g400:#94a3b8;--g500:#64748b;--g600:#475569;--g700:#334155;--g900:#0f172a;
  --r:10px;--rl:16px;
  --sh:0 1px 4px rgba(0,40,104,.07),0 4px 16px rgba(0,40,104,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--g50);color:var(--g900);font-size:14px;line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}

/* ══════════ HEADER ══════════ */
.hdr{position:relative;overflow:hidden;background:var(--navy-d);padding:0}
.hdr-bg{position:absolute;inset:0;z-index:0;
  background:radial-gradient(ellipse 90% 70% at 0% 100%,rgba(191,10,48,.28) 0%,transparent 55%),
             radial-gradient(ellipse 70% 80% at 100% 0%,rgba(0,58,140,.5) 0%,transparent 55%),
             radial-gradient(ellipse 50% 50% at 50% 50%,rgba(0,40,104,.35) 0%,transparent 70%),
             linear-gradient(145deg,#000d24 0%,#001a45 45%,#002868 80%,#003a8c 100%)}
.hdr-grid{position:absolute;inset:0;z-index:1;
  background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:40px 40px}
.hdr-glow1{position:absolute;z-index:2;width:400px;height:400px;border-radius:50%;
  background:radial-gradient(circle,rgba(191,10,48,.12) 0%,transparent 70%);
  bottom:-100px;left:-60px;pointer-events:none}
.hdr-glow2{position:absolute;z-index:2;width:350px;height:350px;border-radius:50%;
  background:radial-gradient(circle,rgba(0,135,90,.1) 0%,transparent 70%);
  top:-50px;right:-50px;pointer-events:none}
.hdr-inner{position:relative;z-index:3;padding:50px 20px 42px;text-align:center}
.brand-row{display:flex;align-items:center;justify-content:center;gap:8px;margin-bottom:16px}
.brand-pill{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);
  border-radius:100px;padding:4px 14px;font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:800;letter-spacing:3px;text-transform:uppercase;
  color:rgba(255,255,255,.38)}
.brand-live{display:flex;align-items:center;gap:5px;background:rgba(0,135,90,.15);
  border:1px solid rgba(0,135,90,.28);border-radius:100px;padding:4px 12px;
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:#6ee7b7}
.brand-live .dot{width:5px;height:5px;border-radius:50%;background:#6ee7b7;animation:blink 1.8s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.25}}

/* FIX 1: Forced White H1 for Kadence */
.hdr h1{font-size:clamp(24px,5vw,50px);font-weight:900;color:#ffffff !important;
  letter-spacing:-1.5px;line-height:1.05;margin-bottom:14px}
.hdr h1 .g1{background:linear-gradient(90deg,#7eb3ff,#93c5fd);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hdr h1 .g2{background:linear-gradient(90deg,#fca5a5,#f87171);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hdr .sub{color:rgba(255,255,255,.52);font-size:13.5px;max-width:660px;margin:0 auto 26px;line-height:1.7}
.pill-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:30px}
.pill{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.13);
  border-radius:100px;padding:5px 13px;font-size:11px;font-weight:600;
  color:rgba(255,255,255,.7);font-family:'Montserrat',sans-serif;transition:all .2s}
.pill.green{background:rgba(0,135,90,.18);border-color:rgba(0,135,90,.32);color:#6ee7b7}
.pill.amber{background:rgba(217,119,6,.18);border-color:rgba(217,119,6,.32);color:#fcd34d}
.pill.red{background:rgba(191,10,48,.18);border-color:rgba(191,10,48,.32);color:#fca5a5}
/* metric strip */
.hdr-strip{display:flex;justify-content:center;flex-wrap:wrap;
  border-top:1px solid rgba(255,255,255,.07);padding-top:22px;gap:0}
.hs-item{padding:0 20px;text-align:center;border-right:1px solid rgba(255,255,255,.07)}
.hs-item:last-child{border-right:none}
.hs-val{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:900;color:#fff}
.hs-lbl{font-size:9px;color:rgba(255,255,255,.38);text-transform:uppercase;letter-spacing:.8px;
  margin-top:1px;font-family:'Montserrat',sans-serif}

/* ── LAYOUT ── */
.wrap{max-width:1100px;margin:0 auto;padding:26px 16px 90px}
.card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:22px;
  margin-bottom:18px;border:1px solid var(--g200)}
.sec-ttl{display:flex;align-items:center;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.sec-ttl .ico{width:32px;height:32px;border-radius:8px;background:var(--navy-xl);
  display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
.sec-ttl h2{font-size:14px;font-weight:700;color:var(--navy);flex:1;min-width:0}
.opt{font-size:10px;font-weight:400;color:var(--g400);white-space:nowrap}

/* ── INPUTS ── */
.igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:13px}
.fg{display:flex;flex-direction:column;gap:4px}
.fg label{font-size:11px;font-weight:700;color:var(--g600);
  display:flex;align-items:center;gap:5px;text-transform:uppercase;letter-spacing:.4px}
.irow{display:flex;align-items:center;border:1.5px solid var(--g200);
  border-radius:8px;overflow:hidden;background:#fff;
  transition:border-color .15s;min-width:0;width:100%}
.irow:focus-within{border-color:var(--navy)}
.ipfx,.isfx{padding:0 10px;background:var(--g100);color:var(--g500);
  font-size:12px;font-weight:700;height:40px;display:flex;align-items:center;
  flex-shrink:0;border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif;white-space:nowrap}
.isfx{border-right:none;border-left:1px solid var(--g200)}
.fg input,.fg select{flex:1;border:none;outline:none;padding:0 10px;
  font-family:'DM Sans',sans-serif;font-size:14px;height:40px;
  background:transparent;color:var(--g900);width:100%;min-width:0}
.fg select{cursor:pointer}
.hint{font-size:10px;color:var(--g400);line-height:1.3;margin-top:2px}

/* ── RANGE SLIDER ── */
.range-wrap{display:flex;flex-direction:column;gap:6px}
.range-wrap label{font-size:11px;font-weight:700;color:var(--g600);
  display:flex;justify-content:space-between;align-items:center;
  text-transform:uppercase;letter-spacing:.4px}
.range-wrap label span{font-family:'Montserrat',sans-serif;font-size:15px;
  font-weight:800;color:var(--navy)}
input[type=range]{width:100%;accent-color:var(--navy);cursor:pointer;height:5px}

/* ── TOOLTIP ── */
.tip{display:inline-flex;align-items:center;justify-content:center;
  width:14px;height:14px;background:var(--g200);border-radius:50%;
  font-size:8px;font-weight:700;color:var(--g500);cursor:help;position:relative;flex-shrink:0}
.tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100%+6px);
  left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;
  font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;
  min-width:180px;max-width:240px;z-index:99;line-height:1.4;
  text-align:center;white-space:normal;pointer-events:none;font-family:'DM Sans',sans-serif}

/* ── TOGGLE ── */
.tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px;width:100%}
.tgb{flex:1 1 0;padding:8px 8px;border:none;background:transparent;border-radius:6px;
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;
  color:var(--g500) !important;transition:all .15s;white-space:normal;line-height:1.3;
  letter-spacing:.2px;min-width:0;min-height:44px;text-align:center}
.tgb.on{background:var(--navy);color:#fff !important;box-shadow:0 1px 6px rgba(0,40,104,.22)}
.tgb:hover:not(.on){background:var(--navy-xl);color:var(--navy) !important}

/* ── INDUSTRY CARDS ── */
.ind-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(130px,1fr));gap:8px}
.ind-card{border:2px solid var(--g200);border-radius:var(--r);padding:11px 8px;
  text-align:center;cursor:pointer;transition:all .15s;background:#fff;
  color:var(--g900) !important}
.ind-card:hover{border-color:var(--navy);background:var(--navy-xl);color:var(--navy) !important}
.ind-card.on{border-color:var(--navy);background:var(--navy);color:#fff !important}
.ind-card .ii{font-size:18px;display:block;margin-bottom:4px}
.ind-card .il{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;
  line-height:1.3;color:inherit !important}
.ind-card .ir{font-size:9px;opacity:.65;margin-top:2px;color:inherit !important}

/* ── FEE CHECKBOXES ── */
.fee-list{display:grid;gap:8px;margin-top:4px}
.fee-item{display:grid;grid-template-columns:20px 1fr 140px;gap:10px;
  align-items:center;padding:10px 12px;background:var(--g50);
  border-radius:var(--r);border:1px solid var(--g200)}
.fee-item input[type=checkbox]{width:16px;height:16px;accent-color:var(--navy);cursor:pointer;flex-shrink:0}
.fee-item .fee-lbl{font-size:12px;font-weight:600;color:var(--g700)}
.fee-item .fee-sub{font-size:10px;color:var(--g400);margin-top:1px}
.fee-amt{display:flex;align-items:center;border:1.5px solid var(--g200);
  border-radius:6px;overflow:hidden;background:#fff;height:36px}
.fee-amt .fp{padding:0 8px;background:var(--g100);color:var(--g500);
  font-size:11px;font-weight:700;height:100%;display:flex;align-items:center;
  border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif;white-space:nowrap}
.fee-amt input{flex:1;border:none;outline:none;padding:0 8px;
  font-family:'DM Sans',sans-serif;font-size:13px;height:100%;
  background:transparent;color:var(--g900);min-width:0}

/* ── CALC BTN ── */
.calc-btn{width:100%;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 45%,var(--navy-l) 100%);
  color:#fff;border:none;border-radius:var(--r);padding:15px 20px;
  font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;cursor:pointer;
  letter-spacing:.3px;transition:transform .15s,box-shadow .15s;margin-top:6px;
  display:flex;align-items:center;justify-content:center;gap:8px;
  min-height:52px;white-space:normal;line-height:1.3}
.calc-btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,40,104,.28)}

/* ── RESULTS ── */
.res{display:none}.res.on{display:block}

/* ── HERO BAND ── */
.hero-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,#1a4fc4 100%);
  border-radius:var(--rl);padding:26px;color:#fff;margin-bottom:18px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(155px,1fr));gap:18px;align-items:center}
.hm .hl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;
  color:rgba(255,255,255,.45);margin-bottom:5px;font-family:'Montserrat',sans-serif}
.hm .hv{font-family:'Montserrat',sans-serif;font-size:clamp(17px,3vw,26px);font-weight:900;line-height:1}
.hm .hs{font-size:11px;color:rgba(255,255,255,.42);margin-top:4px}
.hm-sep{width:1px;background:rgba(255,255,255,.1);min-height:50px;align-self:stretch}

/* ── DAY 1 CASH FLOW PANEL ── */
.cashflow-panel{background:linear-gradient(135deg,#0d1f3c,#001a45);
  border-radius:var(--rl);padding:24px;margin-bottom:18px;color:#fff}
.cashflow-panel h3{font-size:13px;font-weight:700;text-transform:uppercase;
  letter-spacing:1.5px;color:rgba(255,255,255,.45);margin-bottom:16px;font-family:'Montserrat',sans-serif}
.cf-row{display:flex;justify-content:space-between;align-items:center;
  padding:10px 14px;border-radius:8px;margin-bottom:6px}
.cf-row.inv{background:rgba(255,255,255,.07)}
.cf-row.adv{background:rgba(0,135,90,.2);border:1px solid rgba(0,135,90,.3)}
.cf-row.fee{background:rgba(191,10,48,.15);border:1px solid rgba(191,10,48,.2)}
.cf-row.net{background:rgba(0,135,90,.3);border:2px solid rgba(0,135,90,.5)}
.cf-row.res{background:rgba(217,119,6,.15);border:1px solid rgba(217,119,6,.3)}
.cf-lbl{font-size:12px;font-weight:600}
.cf-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900}
.cf-row.net .cf-val{font-size:24px;color:#6ee7b7}
.cf-sub{font-size:10px;opacity:.55;margin-top:2px}

/* FIX 2: METRIC CARDS BORDERS !important */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,1fr));gap:11px;margin-bottom:18px}
.mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:15px;position:relative !important;overflow:hidden}
.mc::after{content:'';position:absolute !important;top:0 !important;left:0 !important;right:0 !important;height:4px !important}
.mc.g::after{background:var(--green) !important}.mc.a::after{background:var(--amber) !important}
.mc.r::after{background:var(--red) !important}.mc.n::after{background:var(--navy) !important}.mc.p::after{background:var(--purple) !important}
.mc .ml{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;
  color:var(--g400);margin-bottom:4px;font-family:'Montserrat',sans-serif}
.mc .mv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--g900)}
.mc .ms{font-size:11px;color:var(--g500);margin-top:3px}

/* ── ALERT ── */
.alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;
  display:flex;gap:8px;align-items:flex-start;line-height:1.5;border:1px solid}
.alrt.warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.alrt.dng{background:var(--red-l);color:var(--red);border-color:var(--red)}
.alrt.info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}
.alrt.ok{background:var(--green-l);color:#065f46;border-color:var(--green)}
.alrt.pur{background:var(--purple-l);color:var(--purple);border-color:rgba(124,58,237,.25)}

/* ── TABS ── */
.tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:20px;
  overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.tabs::-webkit-scrollbar{display:none}
.tab-b{padding:9px 12px;border:none;background:transparent;font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:700;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;
  margin-bottom:-2px;white-space:nowrap;transition:all .15s;letter-spacing:.2px;flex-shrink:0;min-height:40px}
.tab-b.on{color:var(--navy);border-bottom-color:var(--navy)}
.tp{display:none}.tp.on{display:block}

/* ── CHART ── */
.chrt{position:relative;height:240px;margin-top:14px}
.chrt-sm{position:relative;height:180px;margin-top:10px}

/* ── APR DISPLAY ── */
.apr-big{text-align:center;padding:22px;background:linear-gradient(135deg,var(--red-l),#fff7f7);
  border-radius:var(--rl);border:2px solid rgba(191,10,48,.2);margin-bottom:16px}
.apr-big .av{font-family:'Montserrat',sans-serif;font-size:52px;font-weight:900;color:var(--red);line-height:1}
.apr-big .al{font-size:12px;color:var(--g500);margin-top:6px}

/* ── COMPARISON TABLE ── */
.stbl{width:100%;border-collapse:collapse;font-size:12px}
.stbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;
  padding:9px 12px;text-align:left;border:1px solid var(--g200)}
.stbl td{padding:8px 12px;border:1px solid var(--g200);vertical-align:middle}
.stbl tr:nth-child(even) td{background:var(--g50)}
.stbl tr.hl td{background:var(--navy-xl);font-weight:700}
.stbl tr.user-row td{background:var(--red-l);font-weight:700;border-left:3px solid var(--red)}
.stbl tr.best-row td{background:var(--green-l);font-weight:700;border-left:3px solid var(--green)}

/* ── TIMELINE ── */
.timeline{display:flex;align-items:stretch;gap:0;margin:16px 0;overflow-x:auto}
.tl-step{flex:1;min-width:100px;text-align:center;position:relative}
.tl-step::after{content:'';position:absolute;top:22px;right:-1px;width:100%;height:2px;
  background:var(--g200);z-index:0}
.tl-step:last-child::after{display:none}
.tl-dot{width:44px;height:44px;border-radius:50%;margin:0 auto 8px;
  display:flex;align-items:center;justify-content:center;
  font-size:16px;position:relative;z-index:1;border:3px solid #fff;box-shadow:0 2px 8px rgba(0,0,0,.12)}
.tl-step.d1 .tl-dot{background:var(--navy)}.tl-step.d2 .tl-dot{background:var(--amber)}
.tl-step.d3 .tl-dot{background:var(--green)}.tl-step.d4 .tl-dot{background:var(--purple)}
.tl-day{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--g500)}
.tl-amt{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--g900);margin-top:2px}
.tl-lbl{font-size:10px;color:var(--g400);margin-top:2px}

/* ── TIER TABLE ── */
.tier-row{display:flex;justify-content:space-between;align-items:center;
  padding:10px 14px;border-radius:8px;border:1px solid var(--g200);
  margin-bottom:7px;background:#fff}
.tier-row.active-tier{background:var(--amber-l);border-color:var(--amber)}
.tier-lbl{font-size:12px;font-weight:600;color:var(--g700)}
.tier-val{font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;color:var(--navy)}

/* ── EXPORT BTNS ── */
.ebtns{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.ebtn{flex:1;min-width:130px;padding:12px 14px;border-radius:var(--r);
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;
  transition:all .15s;border:2px solid;display:flex;align-items:center;
  justify-content:center;gap:7px;letter-spacing:.2px;min-height:44px;white-space:nowrap}
.ebtn.prim{border-color:var(--navy);background:var(--navy);color:#fff}
.ebtn.prim:hover{background:var(--navy-l)}
.ebtn.wa{border-color:#25D366;background:#fff;color:#25D366}
.ebtn.wa:hover{background:#25D366;color:#fff}
.ebtn.sec{border-color:var(--navy);background:#fff;color:var(--navy)}
.ebtn.sec:hover{background:var(--navy);color:#fff}
.ebtn.rst{border-color:var(--red);background:#fff;color:var(--red)}
.ebtn.rst:hover{background:var(--red);color:#fff}

/* ── TABLE WRAPPER ── */
.table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}

hr{border:none;border-top:1px solid var(--g200);margin:18px 0}

/* FIX 3: MASTER BULLET POINT RESTORE */
.entry-content #ifcWrapper ul, #ifcWrapper ul {
    display: block !important;
    list-style-type: disc !important;
    list-style-position: outside !important;
    padding-left: 32px !important;
    margin-left: 0 !important;
    flex-direction: unset !important;
}
.entry-content #ifcWrapper li, #ifcWrapper li {
    display: list-item !important;
    list-style-type: disc !important;
    padding-left: 0 !important;
    margin-bottom: 8px !important;
}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0}
input,select,textarea{font-size:max(14px,1rem)}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:640px){
  .cf-row{flex-direction:column;align-items:flex-start;gap:4px}
  .cf-val{font-size:15px !important}
  .cf-row.net .cf-val{font-size:20px !important}
  .apr-big .av{font-size:38px}
  .hdr-strip{display:none}
}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .ind-grid{grid-template-columns:repeat(3,1fr) !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:18px 14px;gap:12px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:17px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:9px}
  .mc .mv{font-size:16px}
  .tgb{font-size:10px;padding:7px 5px}
  .fee-item{grid-template-columns:20px 1fr !important;gap:8px}
  .fee-amt{display:none}
}
@media(max-width:480px){
  .pill{font-size:10px;padding:3px 10px}
  .hdr h1{font-size:26px;letter-spacing:-.5px}
  .hdr .sub{font-size:12px}
  .ind-grid{grid-template-columns:repeat(2,1fr) !important}
  .timeline{gap:0}
  .tl-step{min-width:80px}
}
@media(max-width:420px){
  .ebtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .ebtn{min-width:0;font-size:11px;padding:10px 8px}
  .hero-band{grid-template-columns:1fr !important}
  .mgrid{grid-template-columns:1fr !important}
}


/* ── Scoped to #how-ifc-works ──────────────────────────────── */
#how-ifc-works {
  --navy:    #163a70;
  --red:     #d64045;
  --green:   #1f9d55;
  --orange:  #c95a1b;
  --teal:    #0c7c8a;
  --charcoal:#2f3a45;
  --border:  #d9e2ec;
  --bg-light:#f7fafc;
  --white:   #ffffff;
  --shadow-sm:  0 2px 8px rgba(16,24,40,.07);
  --shadow-md:  0 10px 28px rgba(16,24,40,.11);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#how-ifc-works * { box-sizing: border-box; }

/* ── Typography ────────────────────────────────────────────── */
#how-ifc-works h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#how-ifc-works h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, .95rem + .5vw, 1.42rem);
  font-weight: 800; color: var(--navy);
  margin: 36px 0 12px; line-height: 1.25;
  padding-top: 8px; border-top: 2px solid rgba(22,58,112,.1);
}
#how-ifc-works h3:first-of-type { margin-top: 26px; }
#how-ifc-works h4 {
  font-size: .98rem; font-weight: 700;
  color: var(--navy); margin: 0 0 7px;
}
#how-ifc-works p {
  font-size: 1rem; line-height: 1.78;
  color: var(--charcoal); margin: 0 0 13px;
}
#how-ifc-works p:last-child { margin-bottom: 0; }
#how-ifc-works .lead {
  font-size: 1.06rem; color: #3d4f5e;
  max-width: 920px; margin-bottom: 26px; line-height: 1.78;
}
#how-ifc-works ul.b-list { padding-left: 18px; margin: 0; }
#how-ifc-works ul.b-list li {
  margin: 0 0 9px; line-height: 1.75; font-size: .98rem;
}

/* ── Section number badge ───────────────────────────────────── */
#how-ifc-works .sec-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(22,58,112,.09); color: var(--navy);
  border-radius: 999px; padding: 5px 13px;
  font-size: .76rem; font-weight: 800;
  letter-spacing: .05em; text-transform: uppercase;
  margin-bottom: 10px;
}

/* ── Formula cards ──────────────────────────────────────────── */
#how-ifc-works .formula-hero {
  background: linear-gradient(145deg, #163a70, #0e2a56);
  color: #fff; border-radius: 18px;
  padding: 28px 26px; box-shadow: var(--shadow-md);
  margin: 16px 0 26px;
}
#how-ifc-works .formula-hero .f-tag {
  display: inline-block; background: rgba(255,255,255,.14);
  border-radius: 999px; padding: 5px 13px;
  font-size: .78rem; font-weight: 700;
  letter-spacing: .05em; text-transform: uppercase; margin-bottom: 14px;
}
#how-ifc-works .formula-hero p { color: rgba(255,255,255,.9); font-size: .97rem; }

#how-ifc-works .formula-grid {
  display: grid; grid-template-columns: repeat(2, minmax(0,1fr));
  gap: 14px; margin: 16px 0 26px;
}
#how-ifc-works .formula-card {
  background: linear-gradient(145deg, #163a70, #0e2a56);
  color: #fff; border-radius: 16px; padding: 22px;
  box-shadow: var(--shadow-sm);
}
#how-ifc-works .formula-card.alt { background: linear-gradient(145deg, #0c7c8a, #08606d); }
#how-ifc-works .formula-card.green { background: linear-gradient(145deg, #1f9d55, #14703c); }
#how-ifc-works .formula-card.orange { background: linear-gradient(145deg, #c95a1b, #9a3f0d); }
#how-ifc-works .fc-label {
  font-size: .72rem; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; color: rgba(255,255,255,.65); margin-bottom: 8px;
}
#how-ifc-works .fc-eq {
  font-family: 'Courier New', monospace;
  font-size: clamp(1rem, .85rem + .5vw, 1.25rem);
  font-weight: 800; line-height: 1.35; margin-bottom: 10px;
}
#how-ifc-works .fc-example {
  background: rgba(255,255,255,.13); border-radius: 8px;
  padding: 9px 13px; font-size: .85rem; line-height: 1.6;
  font-family: 'Courier New', monospace;
}

/* ── Inline formula pill ────────────────────────────────────── */
#how-ifc-works .f-pill {
  display: inline-block;
  background: linear-gradient(135deg, #163a70, #0e2a56);
  color: #fff; border-radius: 8px; padding: 8px 16px;
  margin: 8px 0; font-family: 'Courier New', monospace;
  font-size: .93rem; font-weight: 700;
}

/* ── Step grid ──────────────────────────────────────────────── */
#how-ifc-works .step-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 16px; margin: 18px 0 26px;
}
#how-ifc-works .step-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 14px; padding: 20px;
  box-shadow: var(--shadow-sm); height: 100%;
}
#how-ifc-works .step-num {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(22,58,112,.09); color: var(--navy);
  font-weight: 800; font-size: 1rem;
  font-family: 'Montserrat', sans-serif;
  display: inline-flex; align-items: center;
  justify-content: center; margin-bottom: 12px;
}

/* ── Two-col grid ───────────────────────────────────────────── */
#how-ifc-works .two-col {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 16px; margin: 16px 0 24px;
}
#how-ifc-works .info-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 14px; padding: 20px;
  box-shadow: var(--shadow-sm); height: 100%;
}
#how-ifc-works .info-card.recourse-c {
  border-color: rgba(31,157,85,.24);
  background: rgba(31,157,85,.04);
}
#how-ifc-works .info-card.nonrecourse-c {
  border-color: rgba(22,58,112,.22);
  background: rgba(22,58,112,.04);
}

/* ── Type badges ────────────────────────────────────────────── */
#how-ifc-works .type-badge {
  display: inline-block; border-radius: 999px;
  padding: 4px 11px; font-size: .75rem;
  font-weight: 700; letter-spacing: .03em;
  text-transform: uppercase; margin-bottom: 10px;
}
#how-ifc-works .badge-recourse    { background: rgba(31,157,85,.14); color: #0d7a38; }
#how-ifc-works .badge-nonrecourse { background: rgba(22,58,112,.12); color: var(--navy); }
#how-ifc-works .badge-risk        { background: rgba(214,64,69,.12); color: #a4282d; }
#how-ifc-works .badge-safe        { background: rgba(31,157,85,.12); color: #0d7a38; }

/* ── Advance rate visual ────────────────────────────────────── */
#how-ifc-works .advance-visual {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 16px; padding: 22px; margin: 16px 0 26px;
}
#how-ifc-works .advance-bar-wrap { margin: 14px 0 8px; }
#how-ifc-works .bar-label {
  display: flex; justify-content: space-between;
  font-size: .82rem; font-weight: 700; color: #5a6a78;
  margin-bottom: 6px;
}
#how-ifc-works .bar-outer {
  height: 28px; background: #e2e8f0; border-radius: 999px;
  overflow: hidden; display: flex;
}
#how-ifc-works .bar-advance {
  height: 100%; border-radius: 999px 0 0 999px;
  display: flex; align-items: center;
  justify-content: center;
  font-size: .76rem; font-weight: 800; color: #fff;
  letter-spacing: .03em;
  transition: width .4s ease;
}
#how-ifc-works .bar-reserve {
  height: 100%; display: flex; align-items: center;
  justify-content: center;
  font-size: .76rem; font-weight: 700; color: #5a6a78;
}
#how-ifc-works .adv-80 .bar-advance { width: 80%; background: linear-gradient(90deg, #163a70, #1a4d8a); }
#how-ifc-works .adv-80 .bar-reserve { width: 20%; }
#how-ifc-works .adv-90 .bar-advance { width: 90%; background: linear-gradient(90deg, #0c7c8a, #0a9aaa); }
#how-ifc-works .adv-90 .bar-reserve { width: 10%; }
#how-ifc-works .adv-95 .bar-advance { width: 95%; background: linear-gradient(90deg, #1f9d55, #25bf68); }
#how-ifc-works .adv-95 .bar-reserve { width: 5%; }
#how-ifc-works .adv-row {
  display: grid; grid-template-columns: 80px 1fr 100px 100px;
  gap: 8px; align-items: center; padding: 6px 0;
  border-bottom: 1px solid var(--border); font-size: .88rem;
}
#how-ifc-works .adv-row:last-child { border-bottom: none; }
#how-ifc-works .adv-row .adv-rate { font-weight: 800; color: var(--navy); }

/* ── Tiered fee table ───────────────────────────────────────── */
#how-ifc-works .tbl-wrap {
  overflow-x: auto; border: 1px solid var(--border);
  border-radius: 16px; background: var(--white);
  box-shadow: var(--shadow-sm); margin: 16px 0 26px;
}
#how-ifc-works table { width: 100%; border-collapse: collapse; min-width: 480px; }
#how-ifc-works th, #how-ifc-works td {
  padding: 12px 16px; text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .94rem; line-height: 1.65; vertical-align: middle;
}
#how-ifc-works th {
  background: #edf2fb; color: var(--navy);
  font-weight: 800; font-size: .88rem;
}
#how-ifc-works tr:last-child td { border-bottom: none; }
#how-ifc-works .td-good  { color: #0d7a38; font-weight: 700; }
#how-ifc-works .td-ok    { color: #7a5200; font-weight: 700; }
#how-ifc-works .td-warn  { color: #a4282d; font-weight: 700; }

/* ── Hidden fees list ───────────────────────────────────────── */
#how-ifc-works .fee-grid {
  display: grid; grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 14px; margin: 16px 0 26px;
}
#how-ifc-works .fee-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 12px; padding: 18px;
  box-shadow: var(--shadow-sm);
}
#how-ifc-works .fee-amount {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem; font-weight: 900;
  color: var(--red); margin-bottom: 6px; line-height: 1;
}

/* ── Reserve timeline ───────────────────────────────────────── */
#how-ifc-works .timeline {
  display: flex; align-items: flex-start; gap: 0;
  margin: 16px 0 26px; overflow-x: auto; padding-bottom: 4px;
}
#how-ifc-works .tl-step {
  display: flex; flex-direction: column; align-items: center;
  flex: 1; min-width: 130px; position: relative;
}
#how-ifc-works .tl-step:not(:last-child)::after {
  content: ''; position: absolute;
  top: 20px; left: 50%; right: -50%;
  height: 2px; background: var(--border);
  z-index: 0;
}
#how-ifc-works .tl-dot {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: .85rem; color: #fff;
  position: relative; z-index: 1; flex-shrink: 0;
  font-family: 'Montserrat', sans-serif;
}
#how-ifc-works .dot-1 { background: var(--navy); }
#how-ifc-works .dot-2 { background: #5a6a78; }
#how-ifc-works .dot-3 { background: var(--teal); }
#how-ifc-works .dot-4 { background: var(--green); }
#how-ifc-works .tl-label {
  text-align: center; margin-top: 10px;
  font-size: .82rem; line-height: 1.55; color: var(--charcoal);
}
#how-ifc-works .tl-label strong { color: var(--navy); font-size: .88rem; display: block; margin-bottom: 2px; }
#how-ifc-works .tl-cash {
  margin-top: 6px; font-family: 'Montserrat', sans-serif;
  font-size: 1rem; font-weight: 800; color: var(--green);
}

/* ── Comparison table ───────────────────────────────────────── */
#how-ifc-works .cmp-tbl th, #how-ifc-works .cmp-tbl td { font-size: .88rem; }
#how-ifc-works .cmp-tbl .highlight-row td { background: rgba(22,58,112,.05); font-weight: 600; }
#how-ifc-works .pill-fast { background: rgba(214,64,69,.12); color: #a4282d; border-radius: 999px; padding: 2px 9px; font-size: .76rem; font-weight: 700; }
#how-ifc-works .pill-mid  { background: rgba(22,58,112,.10); color: var(--navy); border-radius: 999px; padding: 2px 9px; font-size: .76rem; font-weight: 700; }
#how-ifc-works .pill-slow { background: rgba(31,157,85,.12); color: #0d7a38; border-radius: 999px; padding: 2px 9px; font-size: .76rem; font-weight: 700; }

/* ── Callout boxes ──────────────────────────────────────────── */
#how-ifc-works .callout {
  border-radius: 12px; padding: 15px 18px;
  margin: 16px 0; border-left: 4px solid transparent;
  font-size: .97rem; line-height: 1.72;
}
#how-ifc-works .callout-note { background: rgba(22,58,112,.07); border-left-color: var(--navy); }
#how-ifc-works .callout-tip  { background: rgba(31,157,85,.08); border-left-color: var(--green); }
#how-ifc-works .callout-warn { background: rgba(214,64,69,.08); border-left-color: var(--red); }
#how-ifc-works .callout strong { color: var(--navy); }

/* ── Responsive ─────────────────────────────────────────────── */
@media(max-width: 980px) {
  #how-ifc-works .formula-grid { grid-template-columns: 1fr 1fr; }
  #how-ifc-works .step-grid,
  #how-ifc-works .fee-grid    { grid-template-columns: 1fr 1fr; }
}
@media(max-width: 620px) {
  #how-ifc-works .step-grid,
  #how-ifc-works .two-col,
  #how-ifc-works .formula-grid,
  #how-ifc-works .fee-grid { grid-template-columns: 1fr; }
  #how-ifc-works .adv-row { grid-template-columns: 70px 1fr 90px 90px; font-size: .82rem; }
  #how-ifc-works h2 { font-size: 1.55rem; }
}


/* ── Scoped to #factoring-examples ────────────────────────── */
#factoring-examples {
  --navy:     #163a70;
  --red:      #d64045;
  --green:    #1f9d55;
  --orange:   #c95a1b;
  --teal:     #0c7c8a;
  --charcoal: #2f3a45;
  --border:   #d9e2ec;
  --bg-light: #f7fafc;
  --white:    #ffffff;
  --shadow-sm:  0 2px 8px rgba(16,24,40,.07);
  --shadow-md:  0 10px 28px rgba(16,24,40,.12);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#factoring-examples * { box-sizing: border-box; }

/* ── Typography ────────────────────────────────────────────── */
#factoring-examples h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#factoring-examples h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.05rem, .92rem + .45vw, 1.36rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.25;
}
#factoring-examples h4 {
  font-size: .97rem; font-weight: 700;
  color: var(--navy); margin: 0 0 7px;
}
#factoring-examples p {
  font-size: .97rem; line-height: 1.78;
  color: var(--charcoal); margin: 0 0 12px;
}
#factoring-examples p:last-child { margin-bottom: 0; }
#factoring-examples .lead {
  font-size: 1.05rem; color: #3d4f5e;
  max-width: 920px; margin-bottom: 26px; line-height: 1.78;
}
#factoring-examples ul.b-list { padding-left: 18px; margin: 0; }
#factoring-examples ul.b-list li {
  margin: 0 0 8px; line-height: 1.75; font-size: .96rem;
}

/* ── Example card shell ─────────────────────────────────────── */
#factoring-examples .ex-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 20px; box-shadow: var(--shadow-sm);
  overflow: hidden; margin-bottom: 32px;
  transition: box-shadow .2s ease;
}
#factoring-examples .ex-card:hover { box-shadow: var(--shadow-md); }

/* ── Card header ────────────────────────────────────────────── */
#factoring-examples .ex-header {
  display: flex; align-items: center; gap: 20px;
  padding: 22px 26px 20px;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(180deg, #f4f8ff, #edf3fc);
  flex-wrap: wrap;
}
#factoring-examples .ex-icon {
  width: 64px; height: 64px; border-radius: 14px;
  background: var(--white); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; box-shadow: 0 2px 6px rgba(16,24,40,.08);
  color: var(--navy);
}
#factoring-examples .ex-meta { flex: 1; min-width: 0; }
#factoring-examples .ex-company {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.18rem; font-weight: 800;
  color: var(--navy); line-height: 1.2; margin-bottom: 6px;
}
#factoring-examples .ex-tags { display: flex; flex-wrap: wrap; gap: 7px; }
#factoring-examples .ex-tag {
  display: inline-block; padding: 3px 10px;
  border-radius: 999px; font-size: .75rem; font-weight: 700;
}
#factoring-examples .tag-sector  { background: rgba(22,58,112,.09); color: var(--navy); }
#factoring-examples .tag-type    { background: rgba(12,124,138,.09); color: var(--teal); font-family: 'Courier New', monospace; font-size: .73rem; }
#factoring-examples .tag-verdict { font-size: .75rem; font-weight: 700; padding: 3px 10px; border-radius: 999px; }
#factoring-examples .vrd-low    { background: rgba(31,157,85,.13); color: #0d7a38; }
#factoring-examples .vrd-mid    { background: rgba(22,58,112,.10); color: var(--navy); }
#factoring-examples .vrd-high   { background: rgba(214,64,69,.11); color: #a4282d; }
#factoring-examples .vrd-caution{ background: rgba(201,90,27,.11); color: #7a3000; }

/* ── Cash flow result strip ──────────────────────────────────── */
#factoring-examples .cash-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0,1fr));
  gap: 0;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(180deg, #fafcff, var(--bg-light));
}
#factoring-examples .cash-tile {
  padding: 18px 20px;
  border-right: 1px solid var(--border);
  text-align: center;
}
#factoring-examples .cash-tile:last-child { border-right: none; }
#factoring-examples .cash-tile .ct-label {
  font-size: .73rem; font-weight: 700;
  color: #6b7a8d; text-transform: uppercase;
  letter-spacing: .04em; margin-bottom: 6px;
}
#factoring-examples .cash-tile .ct-val {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, .9rem + .6vw, 1.5rem);
  font-weight: 900; color: var(--navy); line-height: 1;
}
#factoring-examples .cash-tile .ct-sub {
  font-size: .74rem; color: #8594a5; margin-top: 4px;
}
#factoring-examples .ct-advance .ct-val { color: var(--navy); }
#factoring-examples .ct-fee    .ct-val { color: #a4282d; }
#factoring-examples .ct-net    .ct-val { color: #0d7a38; }
#factoring-examples .ct-apr    .ct-val { color: var(--orange); }

/* ── Formula display ─────────────────────────────────────────── */
#factoring-examples .formula-band {
  background: linear-gradient(145deg, #163a70, #0e2a56);
  color: #fff; padding: 14px 22px; margin: 0 24px 20px;
  border-radius: 12px; margin-top: 22px;
  display: flex; align-items: center; flex-wrap: wrap; gap: 12px;
}
#factoring-examples .fb-label {
  font-size: .74rem; font-weight: 700;
  letter-spacing: .05em; text-transform: uppercase;
  color: rgba(255,255,255,.65);
}
#factoring-examples .fb-eq {
  font-family: 'Courier New', monospace;
  font-size: .96rem; font-weight: 700; color: #fff;
}
#factoring-examples .fb-result {
  margin-left: auto; font-family: 'Montserrat', sans-serif;
  font-size: 1.3rem; font-weight: 900; color: #7dd3fc;
}

/* ── Card body ───────────────────────────────────────────────── */
#factoring-examples .ex-body { padding: 0 26px 26px; }

/* ── Analysis grid ───────────────────────────────────────────── */
#factoring-examples .analysis-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 14px; margin-bottom: 18px;
}
#factoring-examples .a-tile {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 12px; padding: 15px 16px;
}
#factoring-examples .a-tile h4 { font-size: .88rem; margin-bottom: 6px; }
#factoring-examples .a-tile p  { font-size: .9rem; color: #425466; line-height: 1.68; }

/* ── Fee breakdown table ─────────────────────────────────────── */
#factoring-examples .fee-wrap {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 14px; overflow: hidden;
  margin-bottom: 18px;
}
#factoring-examples .fee-wrap table {
  width: 100%; border-collapse: collapse;
}
#factoring-examples .fee-wrap th,
#factoring-examples .fee-wrap td {
  padding: 10px 16px; text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .9rem; line-height: 1.55;
}
#factoring-examples .fee-wrap th {
  background: #edf2fb; color: var(--navy);
  font-weight: 800; font-size: .84rem;
}
#factoring-examples .fee-wrap tr:last-child td { border-bottom: none; }
#factoring-examples .fee-wrap .total-row td {
  font-weight: 800; color: var(--navy);
  background: rgba(22,58,112,.04);
}
#factoring-examples .fee-wrap .main-fee { color: #a4282d; font-weight: 700; }
#factoring-examples .fee-wrap .extra-fee { color: var(--orange); }
#factoring-examples .fee-wrap .net-row td { color: #0d7a38; font-weight: 800; }

/* ── Lesson callout ──────────────────────────────────────────── */
#factoring-examples .lesson {
  border-radius: 12px; padding: 14px 18px;
  border-left: 4px solid var(--navy);
  background: rgba(22,58,112,.07);
  font-size: .95rem; line-height: 1.72;
}
#factoring-examples .lesson strong { color: var(--navy); }
#factoring-examples .lesson.green-l { border-left-color: var(--green); background: rgba(31,157,85,.07); }
#factoring-examples .lesson.red-l   { border-left-color: var(--red);   background: rgba(214,64,69,.07); }
#factoring-examples .lesson.orange-l{ border-left-color: var(--orange); background: rgba(201,90,27,.07); }

/* ── Summary comparison table ───────────────────────────────── */
#factoring-examples .summary-wrap {
  overflow-x: auto; border: 1px solid var(--border);
  border-radius: 16px; background: var(--white);
  box-shadow: var(--shadow-sm); margin: 22px 0 0;
}
#factoring-examples .summary-wrap table {
  width: 100%; border-collapse: collapse; min-width: 680px;
}
#factoring-examples .summary-wrap th,
#factoring-examples .summary-wrap td {
  padding: 12px 16px; text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .92rem; line-height: 1.6; vertical-align: middle;
}
#factoring-examples .summary-wrap th {
  background: #edf2fb; color: var(--navy);
  font-weight: 800; font-size: .88rem;
}
#factoring-examples .summary-wrap tr:last-child td { border-bottom: none; }
#factoring-examples .v-pill {
  display: inline-block; padding: 3px 10px;
  border-radius: 999px; font-size: .75rem; font-weight: 700;
}
#factoring-examples .vp-low    { background: rgba(31,157,85,.13); color: #0d7a38; }
#factoring-examples .vp-mid    { background: rgba(22,58,112,.10); color: var(--navy); }
#factoring-examples .vp-high   { background: rgba(214,64,69,.11); color: #a4282d; }
#factoring-examples .vp-caution{ background: rgba(201,90,27,.11); color: #7a3000; }

/* ── Divider ─────────────────────────────────────────────────── */
#factoring-examples .ex-divider {
  height: 1px;
  background: linear-gradient(90deg, rgba(22,58,112,0), rgba(22,58,112,.15), rgba(22,58,112,0));
  margin: 30px 0 10px;
}

/* ── Source note ─────────────────────────────────────────────── */
#factoring-examples .source-note {
  background: rgba(22,58,112,.05);
  border: 1px solid rgba(22,58,112,.13);
  border-radius: 10px; padding: 12px 16px;
  font-size: .82rem; color: #5a6a78;
  line-height: 1.65; margin-top: 22px;
}

/* ── Responsive ──────────────────────────────────────────────── */
@media(max-width: 900px) {
  #factoring-examples .cash-strip { grid-template-columns: 1fr 1fr; }
  #factoring-examples .cash-tile:nth-child(2) { border-right: none; }
  #factoring-examples .cash-tile:nth-child(3) { border-top: 1px solid var(--border); }
  #factoring-examples .cash-tile:nth-child(4) { border-top: 1px solid var(--border); }
}
@media(max-width: 640px) {
  #factoring-examples .analysis-grid { grid-template-columns: 1fr; }
  #factoring-examples .cash-strip { grid-template-columns: 1fr 1fr; }
  #factoring-examples .ex-body,
  #factoring-examples .ex-header { padding-left: 16px; padding-right: 16px; }
  #factoring-examples .formula-band { margin-left: 0; margin-right: 0; }
  #factoring-examples h2 { font-size: 1.55rem; }
}


/* ── Scoped to #factoring-pro-tips ─────────────────────────── */
#factoring-pro-tips {
  --navy:     #163a70;
  --red:      #d64045;
  --green:    #1f9d55;
  --orange:   #c95a1b;
  --purple:   #5a3ea1;
  --charcoal: #2f3a45;
  --border:   #d9e2ec;
  --bg-light: #f7fafc;
  --white:    #ffffff;
  --shadow-sm:  0 2px 8px rgba(16,24,40,.07);
  --shadow-md:  0 10px 28px rgba(16,24,40,.11);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#factoring-pro-tips * { box-sizing: border-box; }

/* ── Typography ────────────────────────────────────────────── */
#factoring-pro-tips h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#factoring-pro-tips h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, .95rem + .5vw, 1.42rem);
  font-weight: 800; color: var(--white);
  margin: 0 0 10px; line-height: 1.25;
}
#factoring-pro-tips h4 {
  font-size: .98rem; font-weight: 700;
  color: var(--navy); margin: 0 0 7px;
}
#factoring-pro-tips p {
  font-size: .98rem; line-height: 1.78;
  color: var(--charcoal); margin: 0 0 12px;
}
#factoring-pro-tips p:last-child { margin-bottom: 0; }
#factoring-pro-tips .lead {
  font-size: 1.05rem; color: #3d4f5e;
  max-width: 920px; margin-bottom: 30px; line-height: 1.78;
}

/* ── Tip number strip ──────────────────────────────────────── */
#factoring-pro-tips .tip-strip {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0; border-radius: 16px;
  overflow: hidden; margin-bottom: 36px;
  box-shadow: var(--shadow-md);
}
#factoring-pro-tips .tip-strip-item {
  padding: 14px 12px; text-align: center; cursor: pointer;
  transition: filter .18s ease;
}
#factoring-pro-tips .tip-strip-item:hover { filter: brightness(1.08); }
#factoring-pro-tips .tip-strip-item .sn {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.55rem; font-weight: 900;
  color: #fff; line-height: 1; margin-bottom: 5px;
}
#factoring-pro-tips .tip-strip-item .sl {
  font-size: .7rem; font-weight: 700;
  color: rgba(255,255,255,.88); letter-spacing: .04em;
  text-transform: uppercase; line-height: 1.35;
}
#factoring-pro-tips .ts-1 { background: #163a70; }
#factoring-pro-tips .ts-2 { background: #1a4d8a; }
#factoring-pro-tips .ts-3 { background: #c95a1b; }
#factoring-pro-tips .ts-4 { background: #1f9d55; }
#factoring-pro-tips .ts-5 { background: #d64045; }

/* ── Main tip card ─────────────────────────────────────────── */
#factoring-pro-tips .tip-card {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 0; border: 1px solid var(--border);
  border-radius: 20px; overflow: hidden;
  box-shadow: var(--shadow-sm); margin-bottom: 28px;
  background: var(--white);
  transition: box-shadow .2s ease, transform .2s ease;
}
#factoring-pro-tips .tip-card:hover {
  box-shadow: var(--shadow-md); transform: translateY(-2px);
}

/* Sidebar */
#factoring-pro-tips .tip-sidebar {
  display: flex; flex-direction: column;
  align-items: center; justify-content: flex-start;
  padding: 26px 0 20px; gap: 10px;
}
#factoring-pro-tips .tip-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 2rem; font-weight: 900;
  color: #fff; line-height: 1;
}
#factoring-pro-tips .tip-tag {
  writing-mode: vertical-rl; text-orientation: mixed;
  transform: rotate(180deg); font-size: .64rem;
  font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: rgba(255,255,255,.7);
  margin-top: 6px;
}

/* Sidebar accent per tip */
#factoring-pro-tips .tc-1 .tip-sidebar { background: linear-gradient(180deg, #163a70, #0e2a56); }
#factoring-pro-tips .tc-2 .tip-sidebar { background: linear-gradient(180deg, #1a4d8a, #123462); }
#factoring-pro-tips .tc-3 .tip-sidebar { background: linear-gradient(180deg, #c95a1b, #9a3f0d); }
#factoring-pro-tips .tc-4 .tip-sidebar { background: linear-gradient(180deg, #1f9d55, #14703c); }
#factoring-pro-tips .tc-5 .tip-sidebar { background: linear-gradient(180deg, #d64045, #a42830); }

/* Card body */
#factoring-pro-tips .tip-body {
  padding: 24px 26px 26px;
  border-left: 1px solid var(--border);
}
#factoring-pro-tips .tip-eyebrow {
  display: inline-block; padding: 4px 11px;
  border-radius: 999px; font-size: .73rem;
  font-weight: 700; letter-spacing: .04em;
  text-transform: uppercase; margin-bottom: 10px;
}
#factoring-pro-tips .tc-1 .tip-eyebrow { background: rgba(22,58,112,.10); color: var(--navy); }
#factoring-pro-tips .tc-2 .tip-eyebrow { background: rgba(26,77,138,.10); color: #1a4d8a; }
#factoring-pro-tips .tc-3 .tip-eyebrow { background: rgba(201,90,27,.11); color: #7a3000; }
#factoring-pro-tips .tc-4 .tip-eyebrow { background: rgba(31,157,85,.12); color: #0d7a38; }
#factoring-pro-tips .tc-5 .tip-eyebrow { background: rgba(214,64,69,.11); color: #a4282d; }
#factoring-pro-tips .tip-body h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.05rem, .92rem + .45vw, 1.35rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 12px; line-height: 1.3;
}

/* Sub-grids */
#factoring-pro-tips .tip-grid-2 {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 14px; margin-top: 18px;
}
#factoring-pro-tips .tip-grid-3 {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 12px; margin-top: 16px;
}
#factoring-pro-tips .sub-tile {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 12px; padding: 14px 16px;
}
#factoring-pro-tips .sub-tile h4 { font-size: .88rem; margin-bottom: 6px; }
#factoring-pro-tips .sub-tile p { font-size: .9rem; color: #425466; line-height: 1.68; }

/* Callouts */
#factoring-pro-tips .callout {
  border-radius: 12px; padding: 14px 18px;
  margin-top: 16px; border-left: 4px solid transparent;
  font-size: .96rem; line-height: 1.72;
}
#factoring-pro-tips .c-note { background: rgba(22,58,112,.07); border-left-color: var(--navy); }
#factoring-pro-tips .c-tip  { background: rgba(31,157,85,.08); border-left-color: var(--green); }
#factoring-pro-tips .c-warn { background: rgba(214,64,69,.08); border-left-color: var(--red); }
#factoring-pro-tips .c-orange { background: rgba(201,90,27,.08); border-left-color: var(--orange); }
#factoring-pro-tips .callout strong { color: var(--navy); }

/* Formula pill */
#factoring-pro-tips .f-pill {
  display: inline-block;
  background: linear-gradient(135deg, #163a70, #0e2a56);
  color: #fff; border-radius: 8px; padding: 8px 16px;
  margin: 8px 0; font-family: 'Courier New', monospace;
  font-size: .9rem; font-weight: 700;
}

/* APR comparison table */
#factoring-pro-tips .tbl-wrap {
  overflow-x: auto; border: 1px solid var(--border);
  border-radius: 14px; background: var(--white);
  box-shadow: var(--shadow-sm); margin-top: 16px;
}
#factoring-pro-tips table {
  width: 100%; border-collapse: collapse; min-width: 500px;
}
#factoring-pro-tips th, #factoring-pro-tips td {
  padding: 11px 14px; text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .93rem; line-height: 1.6; vertical-align: middle;
}
#factoring-pro-tips th {
  background: #edf2fb; color: var(--navy);
  font-weight: 800; font-size: .88rem;
}
#factoring-pro-tips tr:last-child td { border-bottom: none; }
#factoring-pro-tips .t-high { color: #a4282d; font-weight: 700; }
#factoring-pro-tips .t-mid  { color: #7a3000; font-weight: 700; }
#factoring-pro-tips .t-low  { color: #0d7a38; font-weight: 700; }

/* Checklist */
#factoring-pro-tips .checklist { list-style: none; padding: 0; margin: 14px 0 0; }
#factoring-pro-tips .checklist li {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 8px 0; border-bottom: 1px solid rgba(22,58,112,.08);
  font-size: .97rem; line-height: 1.7; color: var(--charcoal);
}
#factoring-pro-tips .checklist li:last-child { border-bottom: none; }
#factoring-pro-tips .checklist li::before {
  content: '✓'; font-weight: 900; color: var(--green);
  flex-shrink: 0; margin-top: 2px; font-size: 1rem;
}

/* KPI row */
#factoring-pro-tips .kpi-row {
  display: grid; grid-template-columns: repeat(4,1fr);
  gap: 12px; margin-top: 16px;
}
#factoring-pro-tips .kpi-tile {
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 12px; padding: 13px 14px; text-align: center;
}
#factoring-pro-tips .kpi-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.4rem; font-weight: 900;
  color: var(--navy); line-height: 1; margin-bottom: 5px;
}
#factoring-pro-tips .kpi-lbl {
  font-size: .74rem; font-weight: 700; color: #6b7a8d;
  text-transform: uppercase; letter-spacing: .04em;
}

/* Summary strip */
#factoring-pro-tips .summary-strip {
  display: grid; grid-template-columns: repeat(5,1fr);
  gap: 14px; margin-top: 32px;
}
#factoring-pro-tips .ss-tile {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 14px; padding: 18px 16px;
  box-shadow: var(--shadow-sm); text-align: center;
}
#factoring-pro-tips .ss-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem; font-weight: 900; color: #fff;
  width: 36px; height: 36px; border-radius: 50%;
  display: inline-flex; align-items: center;
  justify-content: center; margin: 0 auto 10px;
}
#factoring-pro-tips .ss-tile:nth-child(1) .ss-num { background: #163a70; }
#factoring-pro-tips .ss-tile:nth-child(2) .ss-num { background: #1a4d8a; }
#factoring-pro-tips .ss-tile:nth-child(3) .ss-num { background: #c95a1b; }
#factoring-pro-tips .ss-tile:nth-child(4) .ss-num { background: #1f9d55; }
#factoring-pro-tips .ss-tile:nth-child(5) .ss-num { background: #d64045; }
#factoring-pro-tips .ss-title {
  font-family: 'Montserrat', sans-serif;
  font-size: .88rem; font-weight: 800;
  color: var(--navy); line-height: 1.3; margin-bottom: 6px;
}
#factoring-pro-tips .ss-desc {
  font-size: .82rem; color: #5a6a78; line-height: 1.6;
}

/* Responsive */
@media(max-width: 980px){
  #factoring-pro-tips .tip-strip { grid-template-columns: repeat(5,1fr); }
  #factoring-pro-tips .tip-grid-3,
  #factoring-pro-tips .kpi-row,
  #factoring-pro-tips .summary-strip { grid-template-columns: repeat(2,1fr); }
}
@media(max-width: 680px){
  #factoring-pro-tips .tip-card { grid-template-columns: 64px 1fr; }
  #factoring-pro-tips .tip-tag { display: none; }
  #factoring-pro-tips .tip-strip-item .sl { font-size: .62rem; }
  #factoring-pro-tips .tip-grid-2,
  #factoring-pro-tips .tip-grid-3,
  #factoring-pro-tips .kpi-row,
  #factoring-pro-tips .summary-strip { grid-template-columns: 1fr; }
}
@media(max-width: 480px){
  #factoring-pro-tips .tip-card { grid-template-columns: 1fr; grid-template-rows: auto 1fr; }
  #factoring-pro-tips .tip-sidebar { flex-direction: row; padding: 14px 20px; border-bottom: 1px solid rgba(255,255,255,.15); }
  #factoring-pro-tips .tip-body { border-left: none; border-top: 1px solid var(--border); }
  #factoring-pro-tips .tip-strip { grid-template-columns: 1fr 1fr; }
}

/* ── Scoped to #factoring-faqs ─────────────────────────────── */
#factoring-faqs {
  --navy:     #163a70;
  --navy-lt:  #1a4d8a;
  --red:      #d64045;
  --green:    #1f9d55;
  --orange:   #c95a1b;
  --purple:   #5a3ea1;
  --charcoal: #2f3a45;
  --border:   #d9e2ec;
  --bg-light: #f7fafc;
  --bg-tab:   #edf2fb;
  --white:    #ffffff;
  --shadow-sm: 0 2px 8px rgba(16,24,40,.07);
  --shadow-md: 0 10px 28px rgba(16,24,40,.11);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#factoring-faqs * { box-sizing: border-box; }

/* ── Typography ────────────────────────────────────────────── */
#factoring-faqs h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#factoring-faqs .lead {
  font-size: 1.05rem; color: #3d4f5e;
  max-width: 940px; margin-bottom: 30px; line-height: 1.78;
}

/* ── Category tab bar ──────────────────────────────────────── */
#factoring-faqs .faq-tab-bar {
  display: flex; flex-wrap: wrap; gap: 8px;
  margin-bottom: 28px;
}
#factoring-faqs .faq-tab {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 9px 16px; border-radius: 999px;
  border: 2px solid var(--border);
  background: var(--white); cursor: pointer;
  font-size: .88rem; font-weight: 700;
  color: #5a6a78; line-height: 1;
  transition: all .18s ease; white-space: nowrap;
  user-select: none;
}
#factoring-faqs .faq-tab:hover {
  border-color: var(--navy); color: var(--navy);
  background: var(--bg-tab);
}
#factoring-faqs .faq-tab.active {
  background: var(--navy); border-color: var(--navy);
  color: var(--white);
}
#factoring-faqs .faq-tab .tab-dot {
  width: 8px; height: 8px; border-radius: 50%;
  flex-shrink: 0;
}
#factoring-faqs .faq-tab.active .tab-dot { background: rgba(255,255,255,.6); }
#factoring-faqs .faq-tab:not(.active) .tab-dot { background: var(--navy); opacity: .35; }
#factoring-faqs .tab-count {
  background: rgba(22,58,112,.12); color: var(--navy);
  border-radius: 999px; padding: 1px 7px;
  font-size: .78rem; font-weight: 800;
}
#factoring-faqs .faq-tab.active .tab-count {
  background: rgba(255,255,255,.22); color: var(--white);
}

/* ── Category panel ────────────────────────────────────────── */
#factoring-faqs .faq-panel {
  display: none;
  animation: faqFadeIn .22s ease forwards;
}
#factoring-faqs .faq-panel.active { display: block; }
@keyframes faqFadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ── Category header band ──────────────────────────────────── */
#factoring-faqs .cat-header {
  display: flex; align-items: center; gap: 14px;
  background: linear-gradient(135deg, var(--navy), var(--navy-lt));
  border-radius: 16px 16px 0 0; padding: 18px 24px; margin-bottom: 0;
}
#factoring-faqs .cat-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: rgba(255,255,255,.15); display: flex;
  align-items: center; justify-content: center;
  font-size: 1.35rem; flex-shrink: 0;
}
#factoring-faqs .cat-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.05rem, .92rem + .4vw, 1.3rem);
  font-weight: 800; color: #fff; margin: 0;
}
#factoring-faqs .cat-subtitle {
  font-size: .85rem; color: rgba(255,255,255,.75);
  margin: 3px 0 0; line-height: 1.4;
}

/* Override per-category accent */
#factoring-faqs .ch-basics     { background: linear-gradient(135deg,#163a70,#1a4d8a); }
#factoring-faqs .ch-how        { background: linear-gradient(135deg,#1a4d8a,#1260a0); }
#factoring-faqs .ch-costs      { background: linear-gradient(135deg,#c95a1b,#9a3f0d); }
#factoring-faqs .ch-recourse   { background: linear-gradient(135deg,#5a3ea1,#3d2880); }
#factoring-faqs .ch-alts       { background: linear-gradient(135deg,#1f9d55,#147040); }
#factoring-faqs .ch-start      { background: linear-gradient(135deg,#d64045,#a42830); }

/* ── Accordion wrapper ─────────────────────────────────────── */
#factoring-faqs .faq-list {
  border: 1px solid var(--border); border-top: none;
  border-radius: 0 0 16px 16px; overflow: hidden;
  margin-bottom: 10px;
}

/* ── Single accordion item ─────────────────────────────────── */
#factoring-faqs .faq-item {
  border-bottom: 1px solid var(--border);
}
#factoring-faqs .faq-item:last-child { border-bottom: none; }

/* Question trigger */
#factoring-faqs .faq-q {
  display: flex; align-items: center; gap: 14px;
  padding: 17px 22px; cursor: pointer;
  background: var(--white);
  transition: background .16s ease;
  user-select: none; list-style: none;
}
#factoring-faqs .faq-q:hover { background: var(--bg-light); }
#factoring-faqs .faq-item.open .faq-q {
  background: var(--bg-tab);
}

/* Q-number badge */
#factoring-faqs .q-num {
  min-width: 28px; height: 28px;
  border-radius: 8px; display: flex;
  align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: .78rem; font-weight: 900;
  flex-shrink: 0; transition: background .16s, color .16s;
  background: var(--bg-tab); color: var(--navy);
}
#factoring-faqs .faq-item.open .q-num {
  background: var(--navy); color: #fff;
}

/* Q text */
#factoring-faqs .q-text {
  flex: 1; font-size: .98rem; font-weight: 700;
  color: var(--charcoal); line-height: 1.5;
  transition: color .16s;
}
#factoring-faqs .faq-item.open .q-text { color: var(--navy); }

/* Toggle icon */
#factoring-faqs .q-icon {
  width: 28px; height: 28px; border-radius: 50%;
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; transition: all .22s ease;
  color: #8a9ab0; font-size: 1rem; font-weight: 700;
}
#factoring-faqs .faq-item.open .q-icon {
  border-color: var(--navy); background: var(--navy);
  color: #fff; transform: rotate(45deg);
}

/* Answer panel */
#factoring-faqs .faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height .35s cubic-bezier(.4,0,.2,1),
              padding .25s ease;
  padding: 0 22px 0 64px;
  background: var(--white);
}
#factoring-faqs .faq-item.open .faq-a {
  max-height: 1200px;
  padding: 4px 22px 20px 64px;
}
#factoring-faqs .faq-a p {
  font-size: .97rem; line-height: 1.82;
  color: #3d4f5e; margin: 0 0 10px;
}
#factoring-faqs .faq-a p:last-child { margin-bottom: 0; }
#factoring-faqs .faq-a strong { color: var(--navy); }
#factoring-faqs .faq-a ul {
  margin: 8px 0 10px; padding-left: 18px;
}
#factoring-faqs .faq-a ul li {
  font-size: .95rem; color: #3d4f5e;
  line-height: 1.75; margin-bottom: 4px;
}

/* Inline callout inside answer */
#factoring-faqs .a-callout {
  border-left: 3px solid var(--navy);
  background: rgba(22,58,112,.06);
  border-radius: 0 8px 8px 0;
  padding: 10px 14px; margin: 10px 0;
  font-size: .92rem; line-height: 1.72; color: #2f3a45;
}
#factoring-faqs .a-callout.c-green {
  border-left-color: var(--green);
  background: rgba(31,157,85,.07);
}
#factoring-faqs .a-callout.c-orange {
  border-left-color: var(--orange);
  background: rgba(201,90,27,.07);
}
#factoring-faqs .a-callout.c-red {
  border-left-color: var(--red);
  background: rgba(214,64,69,.07);
}
#factoring-faqs .a-callout.c-purple {
  border-left-color: var(--purple);
  background: rgba(90,62,161,.07);
}

/* Formula pill inside answer */
#factoring-faqs .a-pill {
  display: inline-block;
  background: linear-gradient(135deg,#163a70,#0e2a56);
  color: #fff; border-radius: 7px; padding: 6px 14px;
  margin: 6px 0; font-family: 'Courier New', monospace;
  font-size: .87rem; font-weight: 700;
}

/* Quick stats row inside answer */
#factoring-faqs .a-stats {
  display: flex; gap: 10px; flex-wrap: wrap; margin: 10px 0;
}
#factoring-faqs .a-stat {
  flex: 1; min-width: 100px;
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 10px; padding: 10px 12px; text-align: center;
}
#factoring-faqs .a-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem; font-weight: 900;
  color: var(--navy); line-height: 1; margin-bottom: 4px;
}
#factoring-faqs .a-stat-lbl {
  font-size: .72rem; font-weight: 700; color: #6b7a8d;
  text-transform: uppercase; letter-spacing: .04em;
}

/* ── Bottom counter bar ────────────────────────────────────── */
#factoring-faqs .faq-footer {
  display: flex; flex-wrap: wrap; align-items: center;
  justify-content: space-between; gap: 14px;
  margin-top: 26px; padding: 16px 20px;
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 14px;
}
#factoring-faqs .faq-footer-stat {
  display: flex; align-items: center; gap: 8px;
}
#factoring-faqs .faq-footer-stat .fs-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.5rem; font-weight: 900; color: var(--navy);
}
#factoring-faqs .faq-footer-stat .fs-lbl {
  font-size: .82rem; color: #5a6a78;
  line-height: 1.35; font-weight: 600;
}
#factoring-faqs .faq-expand-all {
  padding: 9px 20px; border-radius: 999px;
  background: var(--navy); color: #fff;
  border: none; font-size: .88rem; font-weight: 700;
  cursor: pointer; transition: background .16s ease;
  font-family: 'Inter', sans-serif;
}
#factoring-faqs .faq-expand-all:hover { background: var(--navy-lt); }

/* ── Responsive ────────────────────────────────────────────── */
@media(max-width:680px){
  #factoring-faqs .faq-tab { padding: 8px 12px; font-size: .8rem; }
  #factoring-faqs .faq-q   { padding: 14px 16px; gap: 10px; }
  #factoring-faqs .faq-a   { padding: 0 16px 0 54px; }
  #factoring-faqs .faq-item.open .faq-a { padding: 4px 16px 16px 54px; }
  #factoring-faqs .cat-header { padding: 14px 18px; border-radius: 12px 12px 0 0; }
  #factoring-faqs .a-stats { flex-direction: column; }
}
@media(max-width:480px){
  #factoring-faqs .faq-tab-bar { gap: 6px; }
  #factoring-faqs .faq-a   { padding: 0 12px 0 12px; }
  #factoring-faqs .faq-item.open .faq-a { padding: 4px 12px 14px 12px; }
  #factoring-faqs .tab-count { display: none; }
}

/* ── Scoped to #factoring-related ─────────────────────────── */
#factoring-related {
  --navy:      #163a70;
  --navy-lt:   #1a4d8a;
  --red:       #d64045;
  --green:     #1f9d55;
  --orange:    #c95a1b;
  --purple:    #5a3ea1;
  --teal:      #0e7490;
  --charcoal:  #2f3a45;
  --border:    #d9e2ec;
  --bg-light:  #f7fafc;
  --white:     #ffffff;
  --shadow-sm: 0 2px 8px rgba(16,24,40,.07);
  --shadow-md: 0 10px 28px rgba(16,24,40,.12);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#factoring-related * { box-sizing: border-box; }

/* ── Section header ────────────────────────────────────────── */
#factoring-related h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#factoring-related .lead {
  font-size: 1.04rem; color: #3d4f5e;
  max-width: 900px; margin-bottom: 36px; line-height: 1.78;
}

/* ── Group block ───────────────────────────────────────────── */
#factoring-related .rc-group {
  margin-bottom: 42px;
}
#factoring-related .rc-group:last-of-type {
  margin-bottom: 0;
}

/* ── Group header row ──────────────────────────────────────── */
#factoring-related .rc-group-header {
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 18px; padding-bottom: 14px;
  border-bottom: 2px solid var(--border);
}
#factoring-related .rc-group-icon {
  width: 42px; height: 42px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; flex-shrink: 0;
}
#factoring-related .rc-group-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.05rem, .92rem + .35vw, 1.28rem);
  font-weight: 800; color: var(--navy); margin: 0;
  line-height: 1.2;
}
#factoring-related .rc-group-sub {
  font-size: .84rem; color: #6b7a8d; margin: 3px 0 0;
  line-height: 1.4;
}
#factoring-related .rc-group-count {
  margin-left: auto; flex-shrink: 0;
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 999px; padding: 4px 12px;
  font-size: .78rem; font-weight: 700; color: #5a6a78;
  white-space: nowrap;
}

/* Accent per group */
#factoring-related .gi-invoice  { background: rgba(22,58,112,.10);  color: var(--navy);   }
#factoring-related .gi-profit   { background: rgba(31,157,85,.11);  color: #0d7a38;       }
#factoring-related .gi-wc       { background: rgba(14,116,144,.11); color: var(--teal);   }
#factoring-related .gi-finance  { background: rgba(201,90,27,.11);  color: #7a3000;       }

/* ── Card grid ─────────────────────────────────────────────── */
#factoring-related .rc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 16px;
}

/* ── Single card ───────────────────────────────────────────── */
#factoring-related .rc-card {
  position: relative;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  padding: 20px 20px 18px;
  text-decoration: none;
  display: flex; flex-direction: column; gap: 10px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s ease, transform .2s ease, border-color .2s ease;
  color: var(--charcoal);
}
#factoring-related .rc-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--navy);
  text-decoration: none;
}

/* Current page badge */
#factoring-related .rc-card.current {
  border-color: var(--navy);
  background: linear-gradient(145deg, #f0f5ff, #ffffff);
  cursor: default;
  pointer-events: none;
}
#factoring-related .rc-card.current:hover {
  transform: none;
  box-shadow: var(--shadow-sm);
}
#factoring-related .current-badge {
  position: absolute; top: -10px; right: 14px;
  background: var(--navy); color: #fff;
  font-size: .7rem; font-weight: 800;
  padding: 3px 10px; border-radius: 999px;
  letter-spacing: .04em; text-transform: uppercase;
}

/* Card top row: icon + category pill */
#factoring-related .rc-card-top {
  display: flex; align-items: center;
  justify-content: space-between; gap: 8px;
}
#factoring-related .rc-card-icon {
  width: 40px; height: 40px; border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0;
}
#factoring-related .rc-cat-pill {
  font-size: .7rem; font-weight: 700;
  letter-spacing: .04em; text-transform: uppercase;
  padding: 3px 9px; border-radius: 999px;
  white-space: nowrap;
}

/* Card icon & pill colors per group */
#factoring-related .ci-invoice { background: rgba(22,58,112,.09);  color: var(--navy);  }
#factoring-related .pi-invoice { background: rgba(22,58,112,.09);  color: var(--navy);  }
#factoring-related .ci-profit  { background: rgba(31,157,85,.10);  color: #0d7a38;      }
#factoring-related .pi-profit  { background: rgba(31,157,85,.10);  color: #0d7a38;      }
#factoring-related .ci-wc      { background: rgba(14,116,144,.10); color: var(--teal);  }
#factoring-related .pi-wc      { background: rgba(14,116,144,.10); color: var(--teal);  }
#factoring-related .ci-finance { background: rgba(201,90,27,.10);  color: #7a3000;      }
#factoring-related .pi-finance { background: rgba(201,90,27,.10);  color: #7a3000;      }

/* Card title */
#factoring-related .rc-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: .98rem; font-weight: 800;
  color: var(--navy); line-height: 1.3; margin: 0;
}
#factoring-related .rc-card.current .rc-card-title {
  color: var(--navy);
}

/* Card description */
#factoring-related .rc-card-desc {
  font-size: .88rem; color: #5a6a78;
  line-height: 1.65; margin: 0; flex: 1;
}

/* Card footer: Use tag + arrow */
#factoring-related .rc-card-footer {
  display: flex; align-items: center;
  justify-content: space-between; gap: 8px;
  margin-top: 4px; padding-top: 10px;
  border-top: 1px solid var(--border);
}
#factoring-related .rc-use-tag {
  font-size: .75rem; font-weight: 700;
  color: #6b7a8d;
}
#factoring-related .rc-arrow {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--bg-light); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem; color: var(--navy);
  transition: background .16s, border-color .16s;
  flex-shrink: 0;
}
#factoring-related .rc-card:hover .rc-arrow {
  background: var(--navy); border-color: var(--navy); color: #fff;
}
#factoring-related .rc-card.current .rc-arrow {
  background: var(--navy); border-color: var(--navy); color: #fff;
}
#factoring-related .rc-card.current .rc-use-tag {
  color: var(--navy); font-weight: 800;
}

/* ── Bottom CTA strip ──────────────────────────────────────── */
#factoring-related .rc-cta-strip {
  display: flex; flex-wrap: wrap; align-items: center;
  justify-content: space-between; gap: 14px;
  margin-top: 36px; padding: 20px 24px;
  background: linear-gradient(135deg, var(--navy), var(--navy-lt));
  border-radius: 18px;
}
#factoring-related .rc-cta-text h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1rem, .9rem + .35vw, 1.2rem);
  font-weight: 800; color: #fff; margin: 0 0 5px; line-height: 1.25;
}
#factoring-related .rc-cta-text p {
  font-size: .9rem; color: rgba(255,255,255,.78);
  margin: 0; line-height: 1.55;
}
#factoring-related .rc-cta-btn {
  display: inline-flex; align-items: center; gap: 7px;
  background: #fff; color: var(--navy);
  border-radius: 999px; padding: 11px 22px;
  font-size: .9rem; font-weight: 800;
  text-decoration: none; flex-shrink: 0;
  transition: background .16s ease, color .16s ease;
  font-family: 'Inter', sans-serif;
  white-space: nowrap;
}
#factoring-related .rc-cta-btn:hover {
  background: var(--bg-light); color: var(--navy);
  text-decoration: none;
}

/* ── Responsive ────────────────────────────────────────────── */
@media(max-width:900px){
  #factoring-related .rc-grid {
    grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  }
}
@media(max-width:600px){
  #factoring-related .rc-grid {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }
  #factoring-related .rc-card { padding: 15px 14px 13px; }
  #factoring-related .rc-cta-strip { flex-direction: column; text-align: center; }
  #factoring-related .rc-group-count { display: none; }
}
@media(max-width:400px){
  #factoring-related .rc-grid { grid-template-columns: 1fr; }
}


/* ── Scoped to #factoring-transparency ────────────────────── */
#factoring-transparency {
  --navy:      #163a70;
  --navy-lt:   #1a4d8a;
  --navy-pale: #edf2fb;
  --red:       #d64045;
  --green:     #1f9d55;
  --orange:    #c95a1b;
  --amber:     #b45309;
  --charcoal:  #2f3a45;
  --border:    #d9e2ec;
  --bg-light:  #f7fafc;
  --white:     #ffffff;
  --shadow-sm: 0 2px 8px rgba(16,24,40,.07);
  --shadow-md: 0 10px 28px rgba(16,24,40,.11);
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
}
#factoring-transparency * { box-sizing: border-box; }

/* ── Headings ──────────────────────────────────────────────── */
#factoring-transparency h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.75rem, 1.4rem + 1vw, 2.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.2;
}
#factoring-transparency h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1rem, .9rem + .3vw, 1.2rem);
  font-weight: 800; color: var(--navy);
  margin: 0 0 10px; line-height: 1.3;
}
#factoring-transparency h4 {
  font-size: .93rem; font-weight: 700;
  color: var(--navy); margin: 0 0 6px; line-height: 1.35;
}
#factoring-transparency p {
  font-size: .97rem; line-height: 1.8;
  color: #3d4f5e; margin: 0 0 10px;
}
#factoring-transparency p:last-child { margin-bottom: 0; }
#factoring-transparency .lead {
  font-size: 1.04rem; color: #3d4f5e; max-width: 920px;
  margin-bottom: 32px; line-height: 1.78;
}
#factoring-transparency strong { color: var(--navy); }
#factoring-transparency ul {
  margin: 8px 0 10px; padding-left: 18px;
}
#factoring-transparency ul li {
  font-size: .95rem; color: #3d4f5e;
  line-height: 1.78; margin-bottom: 4px;
}

/* ── Two-column layout ─────────────────────────────────────── */
#factoring-transparency .t-grid-2 {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 20px; margin-bottom: 24px;
}
#factoring-transparency .t-grid-3 {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 18px; margin-bottom: 24px;
}

/* ── White bordered card ───────────────────────────────────── */
#factoring-transparency .t-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 16px; padding: 22px 22px 20px;
  box-shadow: var(--shadow-sm);
}

/* ── Section divider label ─────────────────────────────────── */
#factoring-transparency .t-label {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy-pale); color: var(--navy);
  border-radius: 999px; padding: 5px 14px;
  font-size: .78rem; font-weight: 800;
  letter-spacing: .05em; text-transform: uppercase;
  margin-bottom: 18px;
}

/* ── Data source row ───────────────────────────────────────── */
#factoring-transparency .source-row {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 12px 0; border-bottom: 1px solid var(--border);
}
#factoring-transparency .source-row:last-child { border-bottom: none; padding-bottom: 0; }
#factoring-transparency .source-icon {
  width: 36px; height: 36px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.05rem; flex-shrink: 0;
  background: var(--navy-pale); color: var(--navy);
}
#factoring-transparency .source-body { flex: 1; }
#factoring-transparency .source-name {
  font-size: .9rem; font-weight: 700; color: var(--navy);
  margin-bottom: 2px; line-height: 1.3;
}
#factoring-transparency .source-desc {
  font-size: .84rem; color: #5a6a78; line-height: 1.6;
}

/* ── Formula block ─────────────────────────────────────────── */
#factoring-transparency .formula-block {
  background: linear-gradient(135deg, #0e2a56, var(--navy));
  border-radius: 14px; padding: 18px 20px; margin: 16px 0;
}
#factoring-transparency .formula-block .f-label {
  font-size: .73rem; font-weight: 700; color: rgba(255,255,255,.65);
  text-transform: uppercase; letter-spacing: .06em; margin-bottom: 6px;
}
#factoring-transparency .formula-block .f-eq {
  font-family: 'Courier New', monospace; font-size: .95rem;
  font-weight: 700; color: #fff; line-height: 1.6;
}
#factoring-transparency .formula-block .f-note {
  font-size: .8rem; color: rgba(255,255,255,.65);
  margin-top: 6px; line-height: 1.5;
}

/* ── Methodology steps ─────────────────────────────────────── */
#factoring-transparency .method-step {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 12px 0; border-bottom: 1px solid var(--border);
}
#factoring-transparency .method-step:last-child { border-bottom: none; padding-bottom: 0; }
#factoring-transparency .ms-num {
  width: 30px; height: 30px; border-radius: 8px;
  background: var(--navy); color: #fff; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif; font-size: .8rem;
  font-weight: 900; line-height: 1;
}
#factoring-transparency .ms-body h4 { font-size: .9rem; margin-bottom: 3px; }
#factoring-transparency .ms-body p  { font-size: .88rem; margin: 0; color: #5a6a78; }

/* ── Limitation pill row ───────────────────────────────────── */
#factoring-transparency .limit-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 12px; margin-top: 4px;
}
#factoring-transparency .limit-pill {
  display: flex; align-items: flex-start; gap: 10px;
  background: var(--bg-light); border: 1px solid var(--border);
  border-radius: 12px; padding: 12px 14px;
}
#factoring-transparency .lp-icon {
  width: 30px; height: 30px; border-radius: 8px;
  background: rgba(201,90,27,.1); color: #7a3000;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem; flex-shrink: 0; margin-top: 1px;
}
#factoring-transparency .lp-text h4 { font-size: .83rem; color: #7a3000; margin-bottom: 2px; }
#factoring-transparency .lp-text p  { font-size: .8rem; color: #5a6a78; margin: 0; line-height: 1.55; }

/* ── Professional advice cards ─────────────────────────────── */
#factoring-transparency .advisor-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 14px; margin-top: 4px;
}
#factoring-transparency .advisor-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 14px; padding: 16px 16px 14px;
  box-shadow: var(--shadow-sm); text-align: center;
}
#factoring-transparency .adv-icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; margin: 0 auto 10px;
}
#factoring-transparency .adv-title {
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem; font-weight: 800;
  color: var(--navy); margin-bottom: 6px; line-height: 1.3;
}
#factoring-transparency .adv-desc {
  font-size: .82rem; color: #5a6a78; line-height: 1.6;
}
#factoring-transparency .adv-tag {
  display: inline-block; margin-top: 8px;
  font-size: .73rem; font-weight: 700;
  padding: 3px 9px; border-radius: 999px;
  background: var(--navy-pale); color: var(--navy);
}

/* ── Main disclaimer box ───────────────────────────────────── */
#factoring-transparency .disclaimer-box {
  border: 2px solid #e8c76a; border-radius: 16px;
  background: #fffdf0; padding: 24px 26px;
  margin-top: 28px; box-shadow: var(--shadow-sm);
}
#factoring-transparency .disclaimer-box .db-header {
  display: flex; align-items: center; gap: 12px; margin-bottom: 16px;
}
#factoring-transparency .disclaimer-box .db-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: #fef3c7; display: flex; align-items: center;
  justify-content: center; font-size: 1.4rem; flex-shrink: 0;
}
#factoring-transparency .disclaimer-box .db-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1rem, .9rem + .3vw, 1.18rem);
  font-weight: 800; color: #78350f; margin: 0; line-height: 1.2;
}
#factoring-transparency .disclaimer-box .db-subtitle {
  font-size: .84rem; color: #92400e; margin: 3px 0 0;
}
#factoring-transparency .disclaimer-box p {
  font-size: .94rem; color: #5a3e00; line-height: 1.8; margin-bottom: 10px;
}
#factoring-transparency .disclaimer-box strong { color: #78350f; }
#factoring-transparency .disclaimer-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px; margin: 14px 0;
}
#factoring-transparency .dg-item {
  display: flex; align-items: flex-start; gap: 9px;
  background: rgba(255,255,255,.7); border: 1px solid #e8c76a;
  border-radius: 10px; padding: 11px 13px;
}
#factoring-transparency .dg-item::before {
  content: '⚠️'; font-size: .9rem; flex-shrink: 0; margin-top: 1px;
}
#factoring-transparency .dg-item p {
  font-size: .85rem; color: #5a3e00; margin: 0; line-height: 1.6;
}
#factoring-transparency .disclaimer-box .db-footer {
  font-size: .8rem; color: #7c4a00;
  border-top: 1px solid #e8c76a; padding-top: 12px; margin-top: 4px;
  line-height: 1.65;
}

/* ── Trust badges row ──────────────────────────────────────── */
#factoring-transparency .trust-row {
  display: flex; flex-wrap: wrap; align-items: center;
  gap: 10px; margin-top: 22px;
}
#factoring-transparency .trust-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 999px; padding: 7px 14px;
  font-size: .8rem; font-weight: 700; color: #3d4f5e;
  box-shadow: var(--shadow-sm);
}
#factoring-transparency .trust-badge span { font-size: 1rem; }

/* ── Responsive ────────────────────────────────────────────── */
@media(max-width:860px){
  #factoring-transparency .t-grid-3,
  #factoring-transparency .advisor-grid { grid-template-columns: 1fr 1fr; }
}
@media(max-width:640px){
  #factoring-transparency .t-grid-2,
  #factoring-transparency .t-grid-3,
  #factoring-transparency .advisor-grid,
  #factoring-transparency .disclaimer-grid { grid-template-columns: 1fr; }
  #factoring-transparency .limit-grid { grid-template-columns: 1fr; }
  #factoring-transparency .disclaimer-box { padding: 18px 16px; }
}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}


/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}