:root{
  --navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--navy-lite:#e8eef8;
  --red:#BF0A30;--red-hover:#9B0826;--red-lite:#fdf0f3;
  --green:#00875A;--green-h:#006644;--green-lite:#e6f7f0;
  --amber:#b45309;--amber-lite:#fef3c7;
  --white:#FFFFFF;--charcoal:#1D1D1F;--gray:#5F6368;
  --border:#E0E4E8;--bg:#F7F9FC;
  --shadow-sm:0 1px 4px rgba(0,40,104,.08);
  --shadow-md:0 4px 20px rgba(0,40,104,.12);
  --shadow-lg:0 12px 40px rgba(0,40,104,.16);
  --tr:.2s ease;
  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:18px;--r-full:9999px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;color:var(--gray);background:var(--bg)}
button{cursor:pointer;border:none;background:none;font:inherit;color:inherit}
input,select{font:inherit;color:inherit}
::selection{background:rgba(0,40,104,.15);color:var(--navy)}
:focus-visible{outline:2px solid var(--navy);outline-offset:3px;border-radius:var(--r-sm)}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* HERO */
.kp-hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,#003d8c 100%);padding:52px 20px 44px;text-align:center;position:relative;overflow:hidden}
.kp-hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px);pointer-events:none}
.kp-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 80% 40%,rgba(191,10,48,.12) 0%,transparent 60%);pointer-events:none}
.kp-hero-inner{max-width:860px;margin:0 auto;position:relative;z-index:1}
.kp-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:11.5px;font-weight:600;letter-spacing:.4px;text-transform:uppercase;padding:5px 16px;border-radius:var(--r-full);margin-bottom:18px}
.kp-badge .bdot{width:7px;height:7px;background:#4ade80;border-radius:50%;animation:blink 1.5s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.2}}
.kp-hero h1{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,4vw,42px);color:#fff;line-height:1.15;margin-bottom:14px;letter-spacing:-.5px}
.kp-hero h1 span{color:#FCD34D}
.kp-hero-sub{font-size:15.5px;color:rgba(255,255,255,.82);max-width:720px;margin:0 auto 22px;line-height:1.75}
.kp-chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.kp-chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.9);font-size:12px;font-weight:600;padding:5px 14px;border-radius:var(--r-full)}

/* DIFF STRIP */
.kp-diff-strip{background:var(--navy-dark);padding:14px 20px;border-bottom:3px solid var(--red)}
.kp-diff-inner{max-width:1200px;margin:0 auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:8px 20px}
.kp-diff-item{display:flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:rgba(255,255,255,.75)}
.kp-diff-item strong{color:#FCD34D}

/* MAIN */
.kp-main{max-width:1200px;margin:0 auto;padding:28px 20px 60px}

/* TABS */
.kp-tabs{display:flex;gap:4px;background:var(--border);padding:4px;border-radius:var(--r-md);margin-bottom:24px;flex-wrap:wrap}
.kp-tab{padding:9px 18px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;border-radius:7px;background:transparent;color:var(--gray);transition:all var(--tr);white-space:nowrap}
.kp-tab.active{background:var(--navy);color:#fff;box-shadow:var(--shadow-sm)}
.kp-tab:hover:not(.active){background:var(--white);color:var(--navy)}

/* GRID */
.kp-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}

/* INPUT PANEL */
.kp-input-panel{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden}
.kp-panel-hdr{padding:20px 24px;background:linear-gradient(135deg,rgba(0,40,104,.05) 0%,var(--white) 100%);border-bottom:2px solid var(--border);display:flex;align-items:center;gap:10px}
.kp-panel-hdr-icon{font-size:20px}
.kp-panel-hdr-text{flex:1}
.kp-panel-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px}
.kp-panel-sub{font-size:11.5px;color:var(--gray);margin-top:2px}
.kp-panel-body{padding:22px 24px;display:flex;flex-direction:column;gap:16px}

/* SECTION TITLE */
.kp-sec-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.7px;padding-bottom:10px;border-bottom:1.5px solid var(--border);margin-top:4px;display:flex;align-items:center;gap:7px}

/* FORM */
.kp-form-group{display:flex;flex-direction:column;gap:5px}
.kp-form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.kp-label{font-size:13px;font-weight:600;color:var(--charcoal);display:flex;align-items:center;gap:5px}
.kp-hint{font-size:11px;color:var(--gray);font-weight:400;margin-top:2px}
.kp-input-wrap{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:var(--r-md);background:var(--white);overflow:hidden;transition:border-color var(--tr),box-shadow var(--tr)}
.kp-input-wrap:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.09)}
.kp-prefix,.kp-suffix{padding:0 12px;font-size:13px;font-weight:600;color:var(--gray);background:var(--bg);display:flex;align-items:center;min-height:42px;white-space:nowrap}
.kp-prefix{border-right:1.5px solid var(--border)}
.kp-suffix{border-left:1.5px solid var(--border)}
.kp-input-wrap input,.kp-input-wrap select{flex:1;padding:10px 12px;border:none;background:transparent;font-size:13.5px;outline:none;min-height:42px;color:var(--charcoal);font-weight:600}
.kp-input-wrap select{appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%235F6368' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;padding-right:30px}

/* INFO BOX */
.kp-info{background:#eff6ff;border:1px solid rgba(0,40,104,.2);border-radius:var(--r-md);padding:12px 16px;font-size:12.5px;color:var(--charcoal);line-height:1.6}
.kp-info strong{color:var(--navy)}
.kp-info.warn{background:var(--amber-lite);border-color:rgba(180,83,9,.25)}
.kp-info.warn strong{color:var(--amber)}
.kp-info.success{background:var(--green-lite);border-color:rgba(0,135,90,.25)}
.kp-info.success strong{color:var(--green)}

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

/* ACTIONS */
.kp-actions{display:flex;flex-direction:column;gap:10px;padding:20px 24px;border-top:1px solid var(--border);background:var(--bg)}
.kp-btn-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kp-btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:13px 18px;border-radius:var(--r-md);font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;transition:all var(--tr);cursor:pointer;border:none;width:100%}
.kp-btn:hover{transform:translateY(-1px)}
.kp-btn-primary{background:var(--navy);color:#fff;box-shadow:var(--shadow-sm)}
.kp-btn-primary:hover{background:var(--navy-dark);box-shadow:var(--shadow-md)}
.kp-btn-pdf{background:var(--red);color:#fff}
.kp-btn-pdf:hover{background:var(--red-hover)}
.kp-btn-wa{background:linear-gradient(135deg,#25D366,#128C7E);color:#fff}
.kp-btn-wa:hover{filter:brightness(1.1)}
.kp-btn-reset{background:transparent;color:var(--gray);border:1.5px solid var(--border);font-weight:700}
.kp-btn-reset:hover{border-color:var(--navy);color:var(--navy)}

/* RESULTS */
.kp-results-panel{display:flex;flex-direction:column;gap:16px}
.kp-placeholder{background:var(--white);border:1.5px dashed var(--border);border-radius:var(--r-xl);padding:48px 24px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;color:var(--gray);min-height:400px}
.kp-placeholder-icon{font-size:48px;margin-bottom:14px;opacity:.35}
.kp-placeholder p{font-size:14px;max-width:280px;margin:0 auto;line-height:1.6}

/* RESULT HERO */
.kp-result-hero{background:linear-gradient(135deg,var(--navy) 0%,#0b3f92 100%);border-radius:var(--r-xl);padding:22px 24px;color:#fff;box-shadow:var(--shadow-md);position:relative;overflow:hidden}
.kp-result-hero::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right,rgba(255,255,255,.08) 0%,transparent 60%);pointer-events:none}
.kp-result-hero-lbl{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.7);margin-bottom:6px}
.kp-result-hero-dual{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:12px}
.kp-result-hero-col-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:rgba(255,255,255,.6);margin-bottom:4px}
.kp-result-hero-amount{font-family:'Montserrat',sans-serif;font-size:clamp(20px,2.5vw,28px);font-weight:900;line-height:1.1}
.kp-result-hero-sub{font-size:12.5px;color:rgba(255,255,255,.78);line-height:1.55}

/* METHODS CARD */
.kp-methods-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-sm)}
.kp-methods-hdr{padding:14px 18px;background:var(--bg);border-bottom:1.5px solid var(--border);font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;display:flex;align-items:center;gap:8px}
.kp-method-rows{display:flex;flex-direction:column}
.kp-method-row{display:flex;justify-content:space-between;align-items:center;padding:10px 18px;border-bottom:1px solid var(--bg);font-size:13px}
.kp-method-row:last-child{border-bottom:none}
.kp-method-row:nth-child(even){background:var(--bg)}
.kp-method-row.recommended{background:rgba(0,40,104,.05);border-left:3px solid var(--navy)}
.kp-method-row.recommended .kp-method-val{color:var(--navy)}
.kp-method-name{color:var(--charcoal);font-weight:600;display:flex;align-items:center;gap:7px}
.kp-method-badge{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;padding:2px 7px;border-radius:var(--r-full);background:rgba(0,40,104,.1);color:var(--navy)}
.kp-method-val{font-weight:700;font-family:'Montserrat',sans-serif;color:var(--charcoal);font-variant-numeric:tabular-nums}

/* RESULT ROWS */
.kp-result-rows{background:var(--white);border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden}
.kp-result-row{display:flex;justify-content:space-between;align-items:center;padding:10px 16px;border-bottom:1px solid var(--bg);font-size:13.5px}
.kp-result-row:last-child{border-bottom:none}
.kp-result-row:nth-child(even){background:var(--bg)}
.kp-result-row.highlight{background:rgba(0,40,104,.05);font-weight:700;color:var(--navy)}
.kp-result-row.success{background:var(--green-lite);color:var(--green-h)}
.kp-result-row.danger{background:var(--red-lite);color:var(--red)}
.kp-rr-label{color:var(--charcoal);flex:1;font-weight:500}
.kp-rr-val{font-weight:700;font-family:'Montserrat',sans-serif;text-align:right;font-variant-numeric:tabular-nums}

/* CHART */
.kp-chart-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);padding:18px}
.kp-chart-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px}
.kp-chart-wrap{position:relative;height:220px}

/* PREMIUM */
.kp-prem-card{background:var(--amber-lite);border:1.5px solid rgba(180,83,9,.3);border-radius:var(--r-xl);padding:18px 20px}
.kp-prem-hdr{display:flex;align-items:center;gap:8px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--amber);text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px}
.kp-prem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.kp-prem-item{background:rgba(255,255,255,.6);border-radius:var(--r-md);padding:10px 12px;text-align:center}
.kp-prem-amt{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--amber)}
.kp-prem-desc{font-size:10.5px;color:var(--gray);margin-top:3px;line-height:1.4}

/* IRS NOTE */
.kp-irs-note{background:var(--navy-lite);border:1px solid rgba(0,40,104,.2);border-radius:var(--r-md);padding:12px 16px;font-size:12px;color:var(--charcoal);line-height:1.65}
.kp-irs-note strong{color:var(--navy)}

/* FAQ */
.kp-faq-section{background:var(--white);border-top:3px solid var(--border);padding:44px 20px}
.kp-faq-inner{max-width:960px;margin:0 auto}
.kp-faq-section h2{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;color:var(--navy);margin-bottom:22px}
.kp-faq-item{border:1px solid var(--border);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden}
.kp-faq-q{width:100%;text-align:left;background:var(--bg);border:none;padding:16px 20px;font-size:14px;font-weight:700;color:var(--charcoal);display:flex;justify-content:space-between;align-items:center;cursor:pointer;transition:background var(--tr)}
.kp-faq-q:hover{background:#eef1f6}
.kp-faq-q .faq-icon{font-size:18px;color:var(--navy);transition:transform .2s;flex-shrink:0}
.kp-faq-item.open .kp-faq-q .faq-icon{transform:rotate(45deg)}
.kp-faq-a{padding:16px 20px;font-size:14px;color:var(--gray);line-height:1.75;border-top:1px solid var(--border);background:var(--white);display:none}
.kp-faq-item.open .kp-faq-a{display:block}

/* RESPONSIVE */
@media(max-width:900px){.kp-grid{grid-template-columns:1fr}.kp-result-hero-dual{grid-template-columns:1fr 1fr}.kp-prem-grid{grid-template-columns:1fr 1fr}.kp-btn-row{grid-template-columns:1fr}}
@media(max-width:600px){.kp-main{padding:20px 14px 48px}.kp-tabs{flex-wrap:wrap}.kp-tab{font-size:11.5px;padding:8px 13px}.kp-form-row{grid-template-columns:1fr}.kp-panel-body{padding:16px}.kp-actions{padding:16px}.kp-result-hero-dual{grid-template-columns:1fr}.kp-prem-grid{grid-template-columns:1fr}.kp-result-hero{padding:16px}.kp-hero h1{font-size:clamp(20px,6vw,28px)}}
 :root,[data-theme="light"]{
      --bg:#f5f7fa;--surface:#fff;--surface2:#f9fafb;--surfoff:#eef1f6;--surfoff2:#e8edf5;
      --divider:#e2e8f0;--border:#cbd5e1;--text:#0f172a;--muted:#475569;--faint:#94a3b8;--inv:#fff;
      --pri:#1e40af;--prihov:#1d3d9e;--prilit:#dbeafe;--prisub:#eff6ff;
      --acc:#d97706;--acchov:#b45309;--acclit:#fef3c7;--accsub:#fffbeb;
      --ok:#059669;--oklit:#d1fae5;--oksub:#ecfdf5;
      --pur:#7c3aed;--purlit:#ede9fe;--pursub:#f5f3ff;
      --err:#dc2626;--errlit:#fee2e2;
      --r-sm:.375rem;--r-md:.5rem;--r-lg:.75rem;--r-xl:1rem;--r-2xl:1.5rem;--r-full:9999px;
      --sh-sm:0 1px 3px rgba(15,23,42,.08);--sh-md:0 4px 16px rgba(15,23,42,.10);--sh-lg:0 12px 40px rgba(15,23,42,.14);
      --tr:180ms cubic-bezier(.16,1,.3,1);
      --xs:clamp(.75rem,.7rem + .25vw,.875rem);--sm:clamp(.875rem,.8rem + .35vw,1rem);
      --base:clamp(1rem,.95rem + .25vw,1.125rem);--lg:clamp(1.125rem,1rem + .75vw,1.375rem);
      --xl:clamp(1.375rem,1.2rem + .9vw,1.75rem);--2xl:clamp(1.75rem,1.4rem + 1.5vw,2.5rem);
      --body:Inter,system-ui,sans-serif;--disp:Sora,Inter,system-ui,sans-serif;--w:1280px;
      --sp1:.25rem;--sp2:.5rem;--sp3:.75rem;--sp4:1rem;--sp5:1.25rem;--sp6:1.5rem;
      --sp8:2rem;--sp10:2.5rem;--sp12:3rem;--sp16:4rem;
    }
    [data-theme="dark"]{
      --bg:#0f1117;--surface:#161b27;--surface2:#1c2333;--surfoff:#1e2538;--surfoff2:#222b3e;
      --divider:#2d3748;--border:#374151;--text:#e2e8f0;--muted:#94a3b8;--faint:#4b5563;
      --pri:#3b82f6;--prihov:#2563eb;--prilit:#1e3a5f;--prisub:#172035;
      --acc:#f59e0b;--acchov:#d97706;--acclit:#422006;--accsub:#2a1a00;
      --ok:#10b981;--oklit:#064e3b;--oksub:#022c22;
      --pur:#a78bfa;--purlit:#3b1f6e;--pursub:#25134a;
      --err:#f87171;--errlit:#3b1014;
      --sh-sm:0 1px 3px rgba(0,0,0,.3);--sh-md:0 4px 16px rgba(0,0,0,.4);--sh-lg:0 12px 40px rgba(0,0,0,.5);
    }
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
    body{font-family:var(--body);font-size:var(--base);color:var(--text);background:var(--bg);line-height:1.65}
    img,svg{display:block;max-width:100%}
    a{text-decoration:none;color:inherit}
    button{cursor:pointer;border:none;background:none;font:inherit;color:inherit}
    :focus-visible{outline:2px solid var(--pri);outline-offset:3px;border-radius:var(--r-sm)}

    /* ── Section wrap ── */
    .edu-wrap{padding:clamp(var(--sp10),6vw,var(--sp16)) var(--sp6);background:var(--bg)}
    .edu-inner{max-width:var(--w);margin:0 auto}

    /* ── Hero header ── */
    .edu-hero{text-align:center;margin-bottom:var(--sp12)}
    .eyebrow{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp1) var(--sp4);background:var(--prisub);border:1px solid var(--prilit);color:var(--pri);border-radius:var(--r-full);font-size:var(--xs);font-weight:800;letter-spacing:.7px;text-transform:uppercase;margin-bottom:var(--sp4)}
    .edu-title{font-family:var(--disp);font-size:var(--2xl);line-height:1.08;color:var(--text);margin-bottom:var(--sp3)}
    .edu-title span{color:var(--pri)}
    .edu-sub{font-size:var(--sm);color:var(--muted);max-width:70ch;margin:0 auto}

    /* ── Tab nav ── */
    .tab-nav{display:flex;gap:var(--sp2);flex-wrap:wrap;justify-content:center;margin-bottom:var(--sp8)}
    .tab-btn{display:inline-flex;align-items:center;gap:6px;padding:var(--sp2) var(--sp5);border-radius:var(--r-full);font-size:var(--xs);font-weight:700;border:1.5px solid var(--divider);color:var(--muted);background:var(--surface);transition:all var(--tr);cursor:pointer}
    .tab-btn i{width:14px;height:14px}
    .tab-btn.active,.tab-btn:hover{background:var(--pri);color:#fff;border-color:var(--pri)}
    .tab-panel{display:none}
    .tab-panel.active{display:block}

    /* ── What is section ── */
    .what-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:var(--sp8);align-items:start;margin-bottom:var(--sp8)}
    .what-text h3{font-family:var(--disp);font-size:var(--xl);color:var(--text);margin-bottom:var(--sp4)}
    .what-text p{font-size:var(--sm);color:var(--muted);margin-bottom:var(--sp4);max-width:68ch}
    .what-text p strong{color:var(--text)}
    .pillars{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp3)}
    .pillar{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-xl);padding:var(--sp4);box-shadow:var(--sh-sm)}
    .pillar-top{display:flex;align-items:center;gap:var(--sp2);margin-bottom:var(--sp2)}
    .pillar-icon{width:34px;height:34px;border-radius:var(--r-lg);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .pillar-icon i{width:16px;height:16px}
    .pillar-icon.blue{background:var(--prilit);color:var(--prihov)}
    .pillar-icon.green{background:var(--oklit);color:#065f46}
    .pillar-icon.amber{background:var(--acclit);color:var(--acchov)}
    .pillar-icon.purple{background:var(--purlit);color:#5b21b6}
    .pillar h4{font-size:var(--sm);font-weight:800;color:var(--text)}
    .pillar p{font-size:var(--xs);color:var(--muted);line-height:1.6}

    /* how-it-works steps */
    .steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--sp4);margin-bottom:var(--sp8)}
    .step{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-2xl);padding:var(--sp6);box-shadow:var(--sh-sm);position:relative}
    .step-num{width:42px;height:42px;border-radius:var(--r-full);background:var(--pri);color:#fff;font-family:var(--disp);font-weight:800;font-size:var(--sm);display:flex;align-items:center;justify-content:center;margin-bottom:var(--sp4)}
    .step h4{font-family:var(--disp);font-size:var(--sm);color:var(--text);margin-bottom:var(--sp2)}
    .step p{font-size:var(--xs);color:var(--muted);line-height:1.6}

    /* ── Glossary section ── */
    .glossary-intro{margin-bottom:var(--sp6);text-align:center}
    .glossary-intro h3{font-family:var(--disp);font-size:var(--xl);color:var(--text);margin-bottom:var(--sp3)}
    .glossary-intro p{font-size:var(--sm);color:var(--muted);max-width:66ch;margin:0 auto}
    .glossary-filter{display:flex;gap:var(--sp2);flex-wrap:wrap;justify-content:center;margin-bottom:var(--sp6)}
    .gfilt{display:inline-flex;align-items:center;gap:6px;padding:6px var(--sp4);border-radius:var(--r-full);font-size:var(--xs);font-weight:700;border:1.5px solid var(--divider);color:var(--muted);background:var(--surface);cursor:pointer;transition:all var(--tr)}
    .gfilt.active,.gfilt:hover{border-color:var(--pri);color:var(--pri);background:var(--prisub)}
    .glossary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp4)}
    .gcard{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-xl);padding:var(--sp5);box-shadow:var(--sh-sm);transition:border-color var(--tr),box-shadow var(--tr),transform var(--tr);position:relative;overflow:hidden}
    .gcard::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;border-radius:var(--r-xl) var(--r-xl) 0 0}
    .gcard.blue::before{background:var(--pri)}
    .gcard.green::before{background:var(--ok)}
    .gcard.amber::before{background:var(--acc)}
    .gcard.purple::before{background:var(--pur)}
    .gcard:hover{border-color:var(--prilit);box-shadow:var(--sh-md);transform:translateY(-2px)}
    .gcard-head{display:flex;align-items:flex-start;justify-content:space-between;gap:var(--sp3);margin-bottom:var(--sp3)}
    .gcard-label{font-family:var(--disp);font-size:var(--sm);font-weight:700;color:var(--text);line-height:1.3}
    .gtag{display:inline-block;padding:3px 10px;border-radius:var(--r-full);font-size:10px;font-weight:800;letter-spacing:.4px;text-transform:uppercase;white-space:nowrap}
    .gtag.blue{background:var(--prisub);color:var(--pri);border:1px solid var(--prilit)}
    .gtag.green{background:var(--oksub);color:#065f46;border:1px solid var(--oklit)}
    .gtag.amber{background:var(--accsub);color:var(--acchov);border:1px solid var(--acclit)}
    .gtag.purple{background:var(--pursub);color:#5b21b6;border:1px solid var(--purlit)}
    .gcard-def{font-size:var(--xs);color:var(--muted);line-height:1.68;margin-bottom:var(--sp3)}
    .gcard-example{background:var(--surfoff);border-left:3px solid var(--prilit);border-radius:0 var(--r-md) var(--r-md) 0;padding:var(--sp2) var(--sp3);font-size:11px;color:var(--muted);font-style:italic;line-height:1.55}
    .gcard-example strong{color:var(--text);font-style:normal}

    /* ── Valuation methods ── */
    .methods-intro{margin-bottom:var(--sp6);text-align:center}
    .methods-intro h3{font-family:var(--disp);font-size:var(--xl);color:var(--text);margin-bottom:var(--sp3)}
    .methods-intro p{font-size:var(--sm);color:var(--muted);max-width:66ch;margin:0 auto}
    .methods-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp5);margin-bottom:var(--sp8)}
    .mcard{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-2xl);overflow:hidden;box-shadow:var(--sh-sm);transition:box-shadow var(--tr),transform var(--tr)}
    .mcard:hover{box-shadow:var(--sh-md);transform:translateY(-2px)}
    .mcard-head{padding:var(--sp5) var(--sp6);border-bottom:1px solid var(--divider);display:flex;align-items:center;gap:var(--sp4)}
    .mcard-icon{width:48px;height:48px;border-radius:var(--r-xl);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .mcard-icon i{width:22px;height:22px}
    .mcard-icon.blue{background:var(--prilit);color:var(--prihov)}
    .mcard-icon.green{background:var(--oklit);color:#065f46}
    .mcard-icon.amber{background:var(--acclit);color:var(--acchov)}
    .mcard-icon.purple{background:var(--purlit);color:#5b21b6}
    .mcard-head h4{font-family:var(--disp);font-size:var(--lg);color:var(--text)}
    .mcard-head span{display:block;font-size:var(--xs);color:var(--muted);margin-top:3px}
    .mcard-body{padding:var(--sp6)}
    .mcard-body p{font-size:var(--xs);color:var(--muted);line-height:1.68;margin-bottom:var(--sp4)}
    .formula-box{background:var(--surfoff);border:1px solid var(--divider);border-radius:var(--r-lg);padding:var(--sp3) var(--sp4);margin-bottom:var(--sp4)}
    .formula-box span{display:block;font-size:10px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;color:var(--faint);margin-bottom:6px}
    .formula-box code{font-family:monospace;font-size:var(--xs);color:var(--pri);line-height:1.7;display:block;word-break:break-word}
    .best-for{display:flex;align-items:center;gap:var(--sp2);font-size:var(--xs);font-weight:700;color:var(--ok)}
    .best-for i{width:14px;height:14px}

    /* ── Who is a key person ── */
    .who-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp4);margin-bottom:var(--sp8)}
    .who-card{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-2xl);padding:var(--sp6);box-shadow:var(--sh-sm);text-align:center;transition:all var(--tr)}
    .who-card:hover{border-color:var(--prilit);box-shadow:var(--sh-md);transform:translateY(-2px)}
    .who-icon{width:56px;height:56px;border-radius:var(--r-full);margin:0 auto var(--sp4);display:flex;align-items:center;justify-content:center}
    .who-icon i{width:26px;height:26px}
    .who-icon.blue{background:var(--prilit);color:var(--prihov)}
    .who-icon.green{background:var(--oklit);color:#065f46}
    .who-icon.amber{background:var(--acclit);color:var(--acchov)}
    .who-icon.purple{background:var(--purlit);color:#5b21b6}
    .who-icon.teal{background:#ccfbf1;color:#0f766e}
    .who-icon.rose{background:#ffe4e6;color:#be123c}
    .who-card h4{font-family:var(--disp);font-size:var(--sm);color:var(--text);margin-bottom:var(--sp2)}
    .who-card p{font-size:var(--xs);color:var(--muted);line-height:1.6}

    /* ── Checklist section ── */
    .check-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp6);margin-bottom:var(--sp8)}
    .check-panel{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-2xl);overflow:hidden;box-shadow:var(--sh-sm)}
    .check-head{padding:var(--sp5) var(--sp6);border-bottom:1px solid var(--divider);display:flex;align-items:center;gap:var(--sp3);background:linear-gradient(135deg,var(--prisub),var(--surface))}
    .check-head .ch-icon{width:42px;height:42px;border-radius:var(--r-xl);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .check-head .ch-icon i{width:20px;height:20px}
    .check-head .ch-icon.blue{background:var(--prilit);color:var(--prihov)}
    .check-head .ch-icon.amber{background:var(--acclit);color:var(--acchov)}
    .check-head h4{font-family:var(--disp);font-size:var(--lg);color:var(--text)}
    .check-body{padding:var(--sp6);display:flex;flex-direction:column;gap:var(--sp3)}
    .citem{display:flex;align-items:flex-start;gap:var(--sp3)}
    .cmark{width:22px;height:22px;border-radius:var(--r-full);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
    .cmark.yes{background:var(--oklit);color:#065f46}
    .cmark.no{background:var(--errlit);color:var(--err)}
    .cmark i{width:12px;height:12px}
    .citem p{font-size:var(--xs);color:var(--muted);line-height:1.6}
    .citem strong{color:var(--text)}

    /* ── CTA bar ── */
    .edu-cta{background:linear-gradient(135deg,var(--pri) 0%,#1d3d9e 60%,#0f2d6b 100%);border-radius:var(--r-2xl);padding:var(--sp10) var(--sp8);position:relative;overflow:hidden;margin-top:var(--sp8)}
    .edu-cta::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 80% 20%,rgba(255,255,255,.08) 0,transparent 55%),radial-gradient(ellipse at 20% 80%,rgba(255,255,255,.05) 0,transparent 50%);pointer-events:none}
    .edu-cta-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:var(--sp8);flex-wrap:wrap}
    .edu-cta h3{font-family:var(--disp);font-size:var(--xl);color:#fff;margin-bottom:var(--sp2)}
    .edu-cta p{font-size:var(--sm);color:rgba(255,255,255,.78);max-width:60ch}
    .cta-btns{display:flex;gap:var(--sp3);flex-wrap:wrap;flex-shrink:0}
    .btn{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp3) var(--sp6);border-radius:var(--r-lg);font-size:var(--sm);font-weight:700;white-space:nowrap;transition:all var(--tr);font-family:var(--disp)}
    .btn-white{background:#fff;color:var(--pri)}
    .btn-white:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.18)}
    .btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
    .btn-ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.65)}

    /* ── Responsive ── */
    @media(max-width:1024px){
      .what-grid,.check-grid{grid-template-columns:1fr}
      .steps-row{grid-template-columns:1fr 1fr}
      .glossary-grid{grid-template-columns:1fr 1fr}
      .methods-grid{grid-template-columns:1fr}
      .who-grid{grid-template-columns:1fr 1fr}
    }
    @media(max-width:640px){
      .edu-wrap{padding:var(--sp10) var(--sp4)}
      .steps-row,.glossary-grid,.who-grid{grid-template-columns:1fr}
      .pillars{grid-template-columns:1fr}
      .edu-cta{padding:var(--sp8) var(--sp5)}
      .cta-btns{width:100%}
      .btn{width:100%;justify-content:center}
    }
    @media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
:root{
  --navy:#002868;--navy-dark:#00183F;--navy-lite:#e8eef8;--navy-mid:#003580;
  --red:#BF0A30;--red-lite:#fdf0f3;
  --green:#00875A;--green-h:#006644;--green-lite:#e6f7f0;
  --amber:#b45309;--amber-lite:#fef3c7;
  --white:#FFFFFF;--charcoal:#1D1D1F;--gray:#5F6368;
  --border:#E0E4E8;--bg:#F7F9FC;--bg2:#eef1f6;
  --shadow-sm:0 1px 4px rgba(0,40,104,.08);
  --shadow-md:0 4px 20px rgba(0,40,104,.12);
  --shadow-lg:0 12px 40px rgba(0,40,104,.16);
  --tr:.2s ease;
  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:18px;--r-full:9999px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;color:var(--gray);background:var(--bg)}

/* ── SECTION WRAPPER ── */
.hcw-wrap{max-width:1100px;margin:0 auto;padding:60px 20px 72px}

/* ── SECTION HEADER ── */
.hcw-header{text-align:center;margin-bottom:52px}
.hcw-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--navy-lite);color:var(--navy);font-size:11.5px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:5px 16px;border-radius:var(--r-full);margin-bottom:16px}
.hcw-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(24px,3.5vw,38px);color:var(--charcoal);line-height:1.2;margin-bottom:14px;letter-spacing:-.3px}
.hcw-header h2 span{color:var(--navy)}
.hcw-header-sub{font-size:15.5px;color:var(--gray);max-width:720px;margin:0 auto;line-height:1.75}

/* ── OVERVIEW STRIP ── */
.hcw-overview{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:48px}
.hcw-ov-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);padding:22px 18px;text-align:center;box-shadow:var(--shadow-sm);transition:box-shadow var(--tr),transform var(--tr)}
.hcw-ov-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.hcw-ov-icon{font-size:32px;margin-bottom:10px}
.hcw-ov-num{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:900;color:var(--navy);line-height:1}
.hcw-ov-label{font-size:12px;font-weight:600;color:var(--gray);margin-top:4px;line-height:1.4}

/* ── PROCESS FLOW ── */
.hcw-flow{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin-bottom:52px;position:relative}
.hcw-flow::before{content:'';position:absolute;top:28px;left:10%;right:10%;height:2px;background:linear-gradient(90deg,var(--navy),var(--red));z-index:0}
.hcw-step{display:flex;flex-direction:column;align-items:center;text-align:center;position:relative;z-index:1;padding:0 8px}
.hcw-step-circle{width:56px;height:56px;border-radius:50%;background:var(--white);border:2.5px solid var(--navy);display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:12px;box-shadow:var(--shadow-sm)}
.hcw-step:nth-child(5) .hcw-step-circle{border-color:var(--red);background:var(--red-lite)}
.hcw-step-num{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.hcw-step-title{font-size:12px;font-weight:700;color:var(--charcoal);line-height:1.3}

/* ── METHOD DEEP DIVE ── */
.hcw-methods-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:20px;display:flex;align-items:center;gap:10px}
.hcw-methods-title::after{content:'';flex:1;height:2px;background:var(--border)}
.hcw-method-cards{display:flex;flex-direction:column;gap:0;border:1px solid var(--border);border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-sm);margin-bottom:48px}
.hcw-method-card{background:var(--white);border-bottom:1px solid var(--border);overflow:hidden}
.hcw-method-card:last-child{border-bottom:none}
.hcw-method-hdr{display:flex;align-items:center;gap:14px;padding:18px 22px;cursor:pointer;transition:background var(--tr);user-select:none}
.hcw-method-hdr:hover{background:var(--bg)}
.hcw-method-badge{min-width:30px;height:30px;border-radius:var(--r-sm);background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hcw-method-card:nth-child(2) .hcw-method-badge{background:#0b5e6b}
.hcw-method-card:nth-child(3) .hcw-method-badge{background:var(--green-h)}
.hcw-method-card:nth-child(4) .hcw-method-badge{background:#6b21a8}
.hcw-method-card:nth-child(5) .hcw-method-badge{background:var(--red)}
.hcw-method-meta{flex:1}
.hcw-method-name{font-size:14px;font-weight:700;color:var(--charcoal)}
.hcw-method-tagline{font-size:12px;color:var(--gray);margin-top:2px}
.hcw-method-tag{font-size:10.5px;font-weight:700;padding:3px 10px;border-radius:var(--r-full);background:var(--navy-lite);color:var(--navy)}
.hcw-method-expand{font-size:18px;color:var(--navy);transition:transform .2s;flex-shrink:0}
.hcw-method-card.open .hcw-method-expand{transform:rotate(45deg)}
.hcw-method-body{display:none;padding:0 22px 22px;border-top:1px solid var(--bg2)}
.hcw-method-card.open .hcw-method-body{display:block}
.hcw-method-body-inner{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:18px}
.hcw-formula-box{background:var(--navy-lite);border:1.5px solid rgba(0,40,104,.2);border-radius:var(--r-lg);padding:16px 18px}
.hcw-formula-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--navy);margin-bottom:10px}
.hcw-formula{font-family:'Courier New',monospace;font-size:13px;font-weight:700;color:var(--charcoal);line-height:1.7;background:var(--white);border-radius:var(--r-sm);padding:10px 12px;border:1px solid var(--border)}
.hcw-formula em{color:var(--red);font-style:normal;font-weight:800}
.hcw-formula span{color:var(--navy);font-weight:600}
.hcw-method-pros{display:flex;flex-direction:column;gap:8px}
.hcw-pro-item{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:1.5}
.hcw-pro-item .icon{flex-shrink:0;margin-top:1px}
.hcw-pro-item.con .icon{opacity:.7}
.hcw-method-example{background:var(--green-lite);border:1px solid rgba(0,135,90,.2);border-radius:var(--r-md);padding:14px 16px;margin-top:14px;font-size:13px;color:var(--charcoal);line-height:1.65}
.hcw-method-example strong{color:var(--green-h)}

/* ── MEDIAN ENGINE ── */
.hcw-median-section{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden;margin-bottom:48px}
.hcw-median-hdr{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:22px 28px;color:#fff}
.hcw-median-hdr h3{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;margin-bottom:6px}
.hcw-median-hdr p{font-size:13px;color:rgba(255,255,255,.82);line-height:1.6}
.hcw-median-body{padding:28px}
.hcw-median-visual{display:flex;align-items:stretch;gap:0;border:1.5px solid var(--border);border-radius:var(--r-lg);overflow:hidden;margin-bottom:24px}
.hcw-mv-col{flex:1;padding:14px 10px;text-align:center;border-right:1px solid var(--border);transition:background var(--tr)}
.hcw-mv-col:last-child{border-right:none}
.hcw-mv-col.is-median{background:rgba(0,40,104,.06);border-top:3px solid var(--navy)}
.hcw-mv-rank{font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}
.hcw-mv-method{font-size:11px;font-weight:600;color:var(--charcoal);margin-bottom:6px;line-height:1.3}
.hcw-mv-val{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--navy)}
.hcw-mv-col.is-median .hcw-mv-val{font-size:16px;color:var(--navy)}
.hcw-mv-col.is-median .hcw-mv-rank{color:var(--navy);font-weight:800}
.hcw-median-note{background:var(--navy-lite);border-radius:var(--r-md);padding:14px 18px;font-size:13px;color:var(--charcoal);line-height:1.65}
.hcw-median-note strong{color:var(--navy)}

/* ── INPUT → OUTPUT TABLE ── */
.hcw-io-section{margin-bottom:48px}
.hcw-io-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.hcw-io-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden}
.hcw-io-card-hdr{padding:16px 20px;border-bottom:2px solid var(--border);display:flex;align-items:center;gap:10px}
.hcw-io-card-hdr.inputs{background:linear-gradient(135deg,rgba(0,40,104,.06) 0%,var(--white) 100%)}
.hcw-io-card-hdr.outputs{background:linear-gradient(135deg,rgba(0,135,90,.06) 0%,var(--white) 100%)}
.hcw-io-card-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px}
.hcw-io-table{width:100%;border-collapse:collapse}
.hcw-io-table tr:nth-child(even) td{background:var(--bg)}
.hcw-io-table td{padding:10px 16px;font-size:13px;border-bottom:1px solid var(--bg2);vertical-align:top}
.hcw-io-table td:first-child{font-weight:600;color:var(--charcoal);width:55%}
.hcw-io-table td:last-child{color:var(--gray)}
.hcw-io-table tr:last-child td{border-bottom:none}

/* ── TAB EXPLAINERS ── */
.hcw-tabs-section{margin-bottom:48px}
.hcw-tab-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.hcw-tab-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-sm)}
.hcw-tab-card-hdr{padding:18px 20px;display:flex;align-items:center;gap:12px;border-bottom:2px solid var(--border)}
.hcw-tab-card-hdr.t1{background:linear-gradient(135deg,rgba(0,40,104,.08),var(--white))}
.hcw-tab-card-hdr.t2{background:linear-gradient(135deg,rgba(0,135,90,.08),var(--white))}
.hcw-tab-card-hdr.t3{background:linear-gradient(135deg,rgba(180,83,9,.08),var(--white))}
.hcw-tab-card-hdr.t4{background:linear-gradient(135deg,rgba(107,33,168,.08),var(--white))}
.hcw-tab-icon{font-size:24px}
.hcw-tab-card-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal)}
.hcw-tab-card-sub{font-size:11.5px;color:var(--gray);margin-top:2px}
.hcw-tab-card-body{padding:18px 20px;display:flex;flex-direction:column;gap:10px}
.hcw-tab-step{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--charcoal);line-height:1.55}
.hcw-tab-step-num{min-width:22px;height:22px;background:var(--navy);color:#fff;border-radius:50%;font-size:10px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;font-family:'Montserrat',sans-serif}
.hcw-tab-card-hdr.t2 + .hcw-tab-card-body .hcw-tab-step-num{background:var(--green-h)}
.hcw-tab-card-hdr.t3 + .hcw-tab-card-body .hcw-tab-step-num{background:var(--amber)}
.hcw-tab-card-hdr.t4 + .hcw-tab-card-body .hcw-tab-step-num{background:#6b21a8}

/* ── ACCURACY & ASSUMPTIONS ── */
.hcw-accuracy{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden;margin-bottom:48px}
.hcw-accuracy-hdr{background:linear-gradient(135deg,var(--amber-lite),var(--white));padding:18px 24px;border-bottom:2px solid var(--border);display:flex;align-items:center;gap:10px}
.hcw-accuracy-hdr h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--amber)}
.hcw-accuracy-body{padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:20px}
.hcw-assump-group{display:flex;flex-direction:column;gap:8px}
.hcw-assump-title{font-size:12px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}
.hcw-assump-item{display:flex;gap:10px;font-size:13px;color:var(--charcoal);line-height:1.55;padding:8px 12px;background:var(--bg);border-radius:var(--r-md)}
.hcw-assump-item .dot{width:6px;height:6px;border-radius:50%;background:var(--navy);flex-shrink:0;margin-top:7px}

/* ── PDF & WA ── */
.hcw-export-section{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:var(--r-xl);padding:32px 28px;margin-bottom:48px;color:#fff;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
.hcw-export-text h3{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:900;margin-bottom:10px}
.hcw-export-text p{font-size:14px;color:rgba(255,255,255,.82);line-height:1.7}
.hcw-export-cards{display:flex;flex-direction:column;gap:14px}
.hcw-export-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.2);border-radius:var(--r-lg);padding:16px 18px;display:flex;gap:14px;align-items:flex-start}
.hcw-export-card-icon{font-size:24px;flex-shrink:0}
.hcw-export-card-title{font-size:13.5px;font-weight:700;color:#fff;margin-bottom:4px}
.hcw-export-card-desc{font-size:12px;color:rgba(255,255,255,.75);line-height:1.55}

/* ── DISCLAIMER ── */
.hcw-disclaimer{background:var(--red-lite);border:1.5px solid rgba(191,10,48,.2);border-radius:var(--r-xl);padding:22px 26px;display:flex;gap:16px;align-items:flex-start}
.hcw-disc-icon{font-size:22px;flex-shrink:0;margin-top:2px}
.hcw-disc-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--red);margin-bottom:6px;text-transform:uppercase;letter-spacing:.4px}
.hcw-disc-text{font-size:13px;color:var(--charcoal);line-height:1.7}
.hcw-disc-text a{color:var(--navy);font-weight:600;text-decoration:none}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .hcw-overview{grid-template-columns:repeat(2,1fr)}
  .hcw-flow{grid-template-columns:repeat(3,1fr);gap:12px}
  .hcw-flow::before{display:none}
  .hcw-method-body-inner{grid-template-columns:1fr}
  .hcw-io-grid{grid-template-columns:1fr}
  .hcw-tab-cards{grid-template-columns:1fr}
  .hcw-accuracy-body{grid-template-columns:1fr}
  .hcw-export-section{grid-template-columns:1fr}
  .hcw-median-visual{flex-wrap:wrap}
  .hcw-mv-col{min-width:calc(33% - 1px)}
}
@media(max-width:580px){
  .hcw-wrap{padding:36px 14px 52px}
  .hcw-overview{grid-template-columns:repeat(2,1fr);gap:10px}
  .hcw-flow{grid-template-columns:1fr 1fr}
  .hcw-flow::before{display:none}
  .hcw-median-visual{flex-direction:column}
  .hcw-mv-col{min-width:100%;border-right:none;border-bottom:1px solid var(--border)}
  .hcw-mv-col:last-child{border-bottom:none}
  .hcw-export-section{padding:24px 18px}
  .hcw-header h2{font-size:clamp(20px,5.5vw,28px)}
}

:root{
  --navy:#002868;--navy-dark:#00183F;--navy-lite:#e8eef8;--navy-mid:#003580;
  --red:#BF0A30;--red-lite:#fdf0f3;--red-border:rgba(191,10,48,.2);
  --green:#00875A;--green-h:#006644;--green-lite:#e6f7f0;--green-border:rgba(0,135,90,.2);
  --amber:#b45309;--amber-lite:#fef3c7;--amber-border:rgba(180,83,9,.25);
  --purple:#6b21a8;--purple-lite:#f5f3ff;--purple-border:rgba(107,33,168,.2);
  --teal:#0b5e6b;--teal-lite:#ecfeff;--teal-border:rgba(11,94,107,.2);
  --white:#fff;--charcoal:#1D1D1F;--gray:#5F6368;
  --border:#E0E4E8;--bg:#F7F9FC;--bg2:#eef1f6;
  --shadow-sm:0 1px 4px rgba(0,40,104,.08);
  --shadow-md:0 4px 20px rgba(0,40,104,.12);
  --shadow-lg:0 12px 40px rgba(0,40,104,.16);
  --tr:.2s ease;
  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:18px;--r-full:9999px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;color:var(--gray);background:var(--bg)}

/* WRAPPER */
.ex-wrap{max-width:1100px;margin:0 auto;padding:60px 20px 72px}

/* SECTION HEADER */
.ex-header{text-align:center;margin-bottom:52px}
.ex-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--navy-lite);color:var(--navy);font-size:11.5px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:5px 16px;border-radius:var(--r-full);margin-bottom:16px}
.ex-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(22px,3.5vw,38px);color:var(--charcoal);line-height:1.2;margin-bottom:14px;letter-spacing:-.3px}
.ex-header h2 span{color:var(--navy)}
.ex-header-sub{font-size:15px;color:var(--gray);max-width:760px;margin:0 auto;line-height:1.8}

/* FILTER BAR */
.ex-filter-bar{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:36px}
.ex-filter-btn{padding:8px 18px;border-radius:var(--r-full);font-size:12.5px;font-weight:700;border:1.5px solid var(--border);background:var(--white);color:var(--gray);cursor:pointer;transition:all var(--tr);font-family:'Montserrat',sans-serif}
.ex-filter-btn:hover{border-color:var(--navy);color:var(--navy)}
.ex-filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* EXAMPLE CARDS */
.ex-cards{display:flex;flex-direction:column;gap:36px}

.ex-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden;transition:box-shadow var(--tr)}
.ex-card:hover{box-shadow:var(--shadow-md)}

/* Card accent top bars */
.ex-card[data-case="1"] .ex-card-top{border-top:4px solid var(--navy)}
.ex-card[data-case="2"] .ex-card-top{border-top:4px solid var(--green-h)}
.ex-card[data-case="3"] .ex-card-top{border-top:4px solid var(--amber)}
.ex-card[data-case="4"] .ex-card-top{border-top:4px solid var(--purple)}
.ex-card[data-case="5"] .ex-card-top{border-top:4px solid var(--red)}

.ex-card-top{padding:0}

/* CARD HERO */
.ex-card-hero{padding:24px 28px 20px;background:linear-gradient(135deg,rgba(0,40,104,.04) 0%,var(--white) 100%);border-bottom:1.5px solid var(--border);display:flex;align-items:flex-start;gap:18px}
.ex-card[data-case="2"] .ex-card-hero{background:linear-gradient(135deg,rgba(0,135,90,.04) 0%,var(--white) 100%)}
.ex-card[data-case="3"] .ex-card-hero{background:linear-gradient(135deg,rgba(180,83,9,.04) 0%,var(--white) 100%)}
.ex-card[data-case="4"] .ex-card-hero{background:linear-gradient(135deg,rgba(107,33,168,.04) 0%,var(--white) 100%)}
.ex-card[data-case="5"] .ex-card-hero{background:linear-gradient(135deg,rgba(191,10,48,.04) 0%,var(--white) 100%)}

.ex-case-num{min-width:52px;height:52px;border-radius:var(--r-lg);background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:20px;font-weight:900;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.ex-card[data-case="2"] .ex-case-num{background:var(--green-h)}
.ex-card[data-case="3"] .ex-case-num{background:var(--amber)}
.ex-card[data-case="4"] .ex-case-num{background:var(--purple)}
.ex-card[data-case="5"] .ex-case-num{background:var(--red)}

.ex-card-meta{flex:1}
.ex-card-industry-tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;padding:3px 12px;border-radius:var(--r-full);background:var(--navy-lite);color:var(--navy);margin-bottom:8px}
.ex-card[data-case="2"] .ex-card-industry-tag{background:var(--green-lite);color:var(--green-h)}
.ex-card[data-case="3"] .ex-card-industry-tag{background:var(--amber-lite);color:var(--amber)}
.ex-card[data-case="4"] .ex-card-industry-tag{background:var(--purple-lite);color:var(--purple)}
.ex-card[data-case="5"] .ex-card-industry-tag{background:var(--red-lite);color:var(--red)}

.ex-card-title{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;color:var(--charcoal);line-height:1.2;margin-bottom:6px}
.ex-card-scenario{font-size:13.5px;color:var(--gray);line-height:1.6}
.ex-coverage-pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.ex-pill{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:var(--r-full);font-size:12.5px;font-weight:700;font-family:'Montserrat',sans-serif}
.ex-pill.life{background:var(--navy-lite);color:var(--navy)}
.ex-pill.dis{background:var(--amber-lite);color:var(--amber)}
.ex-pill.buysell{background:var(--green-lite);color:var(--green-h)}
.ex-pill.sba{background:var(--red-lite);color:var(--red)}

/* CARD BODY GRID */
.ex-card-body{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0}
.ex-card-body-col{padding:22px 24px;border-right:1px solid var(--border)}
.ex-card-body-col:last-child{border-right:none}
.ex-col-title{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.6px;margin-bottom:14px;display:flex;align-items:center;gap:6px;padding-bottom:10px;border-bottom:1.5px solid var(--border)}
.ex-card[data-case="2"] .ex-col-title{color:var(--green-h)}
.ex-card[data-case="3"] .ex-col-title{color:var(--amber)}
.ex-card[data-case="4"] .ex-col-title{color:var(--purple)}
.ex-card[data-case="5"] .ex-col-title{color:var(--red)}

/* DATA ROWS */
.ex-data-rows{display:flex;flex-direction:column;gap:6px}
.ex-data-row{display:flex;justify-content:space-between;align-items:baseline;font-size:12.5px;padding:6px 0;border-bottom:1px solid var(--bg2)}
.ex-data-row:last-child{border-bottom:none}
.ex-data-label{color:var(--gray);font-weight:500;flex:1;padding-right:8px}
.ex-data-val{font-weight:700;font-family:'Montserrat',sans-serif;color:var(--charcoal);text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.ex-data-row.highlight .ex-data-label{color:var(--navy);font-weight:700}
.ex-data-row.highlight .ex-data-val{color:var(--navy);font-size:13.5px}
.ex-card[data-case="2"] .ex-data-row.highlight .ex-data-label,
.ex-card[data-case="2"] .ex-data-row.highlight .ex-data-val{color:var(--green-h)}
.ex-card[data-case="3"] .ex-data-row.highlight .ex-data-label,
.ex-card[data-case="3"] .ex-data-row.highlight .ex-data-val{color:var(--amber)}
.ex-card[data-case="4"] .ex-data-row.highlight .ex-data-label,
.ex-card[data-case="4"] .ex-data-row.highlight .ex-data-val{color:var(--purple)}
.ex-card[data-case="5"] .ex-data-row.highlight .ex-data-label,
.ex-card[data-case="5"] .ex-data-row.highlight .ex-data-val{color:var(--red)}

/* METHOD BARS */
.ex-method-bars{display:flex;flex-direction:column;gap:8px}
.ex-bar-row{display:flex;flex-direction:column;gap:3px}
.ex-bar-header{display:flex;justify-content:space-between;font-size:11px;font-weight:600;color:var(--charcoal)}
.ex-bar-track{height:8px;background:var(--bg2);border-radius:var(--r-full);overflow:hidden}
.ex-bar-fill{height:100%;border-radius:var(--r-full);background:var(--navy);transition:width .8s cubic-bezier(.16,1,.3,1)}
.ex-bar-fill.is-median{background:var(--navy)}
.ex-bar-fill.not-median{background:var(--border);opacity:.7}
.ex-card[data-case="2"] .ex-bar-fill.is-median{background:var(--green-h)}
.ex-card[data-case="3"] .ex-bar-fill.is-median{background:var(--amber)}
.ex-card[data-case="4"] .ex-bar-fill.is-median{background:var(--purple)}
.ex-card[data-case="5"] .ex-bar-fill.is-median{background:var(--red)}
.ex-median-label{font-size:10px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.4px}
.ex-card[data-case="2"] .ex-median-label{color:var(--green-h)}
.ex-card[data-case="3"] .ex-median-label{color:var(--amber)}
.ex-card[data-case="4"] .ex-median-label{color:var(--purple)}
.ex-card[data-case="5"] .ex-median-label{color:var(--red)}

/* LESSON BOX */
.ex-card-lesson{padding:18px 28px;background:var(--bg);border-top:1.5px solid var(--border);display:flex;gap:14px;align-items:flex-start}
.ex-lesson-icon{font-size:22px;flex-shrink:0;margin-top:2px}
.ex-lesson-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;color:var(--navy);margin-bottom:5px}
.ex-card[data-case="2"] .ex-lesson-title{color:var(--green-h)}
.ex-card[data-case="3"] .ex-lesson-title{color:var(--amber)}
.ex-card[data-case="4"] .ex-lesson-title{color:var(--purple)}
.ex-card[data-case="5"] .ex-lesson-title{color:var(--red)}
.ex-lesson-text{font-size:13px;color:var(--charcoal);line-height:1.7}
.ex-lesson-text strong{color:var(--charcoal)}

/* CHART WRAP */
.ex-chart-col{padding:22px 24px}
.ex-chart-title{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px}
.ex-chart-wrap{position:relative;height:180px}

/* SUMMARY TABLE */
.ex-summary{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden;margin-top:48px}
.ex-summary-hdr{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);padding:20px 28px}
.ex-summary-hdr h3{font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;color:#fff;margin-bottom:4px}
.ex-summary-hdr p{font-size:13px;color:rgba(255,255,255,.75)}
.ex-summary-table{width:100%;border-collapse:collapse}
.ex-summary-table th{background:var(--bg);padding:10px 16px;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--charcoal);text-transform:uppercase;letter-spacing:.4px;text-align:left;border-bottom:2px solid var(--border)}
.ex-summary-table td{padding:12px 16px;font-size:13px;color:var(--charcoal);border-bottom:1px solid var(--bg2);vertical-align:middle}
.ex-summary-table tr:last-child td{border-bottom:none}
.ex-summary-table tr:nth-child(even) td{background:var(--bg)}
.ex-summary-table td:nth-child(4),.ex-summary-table td:nth-child(5){font-family:'Montserrat',sans-serif;font-weight:800;font-variant-numeric:tabular-nums}
.ex-summary-table td:nth-child(4){color:var(--navy)}
.ex-summary-table td:nth-child(5){color:var(--amber)}
.ex-ind-dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:7px;vertical-align:middle}

/* KEY TAKEAWAYS */
.ex-takeaways{margin-top:36px;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.ex-takeaway-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);padding:20px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:10px}
.ex-takeaway-icon{font-size:28px}
.ex-takeaway-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal)}
.ex-takeaway-text{font-size:12.5px;color:var(--gray);line-height:1.65}

/* CTA */
.ex-cta{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:var(--r-xl);padding:36px 28px;margin-top:36px;text-align:center;color:#fff}
.ex-cta h3{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;margin-bottom:10px}
.ex-cta p{font-size:14.5px;color:rgba(255,255,255,.82);max-width:600px;margin:0 auto 22px;line-height:1.7}
.ex-cta-btn{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--navy);font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;padding:14px 32px;border-radius:var(--r-md);text-decoration:none;transition:all var(--tr)}
.ex-cta-btn:hover{background:var(--bg);transform:translateY(-1px)}

/* DISCLAIMER */
.ex-disclaimer{background:var(--red-lite);border:1.5px solid var(--red-border);border-radius:var(--r-xl);padding:18px 22px;margin-top:28px;font-size:12.5px;color:var(--charcoal);line-height:1.7;display:flex;gap:12px;align-items:flex-start}
.ex-disclaimer strong{color:var(--red)}

/* RESPONSIVE */
@media(max-width:900px){
  .ex-card-body{grid-template-columns:1fr 1fr}
  .ex-card-body-col:nth-child(3){grid-column:1/-1;border-right:none;border-top:1px solid var(--border)}
  .ex-takeaways{grid-template-columns:1fr 1fr}
  .ex-summary-table{font-size:12px}
}
@media(max-width:600px){
  .ex-wrap{padding:36px 14px 52px}
  .ex-card-body{grid-template-columns:1fr}
  .ex-card-body-col{border-right:none;border-bottom:1px solid var(--border)}
  .ex-card-body-col:last-child{border-bottom:none}
  .ex-card-hero{flex-direction:column;gap:12px}
  .ex-takeaways{grid-template-columns:1fr}
  .ex-summary-table th:nth-child(3),.ex-summary-table td:nth-child(3){display:none}
  .ex-card-lesson{flex-direction:column;gap:8px}
  .ex-summary{overflow-x:auto}
}
:root{
  --navy:#002868;--navy-dark:#00183F;--navy-lite:#e8eef8;--navy-mid:#003580;
  --red:#BF0A30;--red-lite:#fdf0f3;--red-border:rgba(191,10,48,.18);
  --green:#00875A;--green-h:#006644;--green-lite:#e6f7f0;--green-border:rgba(0,135,90,.2);
  --amber:#b45309;--amber-lite:#fef3c7;--amber-border:rgba(180,83,9,.22);
  --purple:#6b21a8;--purple-lite:#f5f3ff;--purple-border:rgba(107,33,168,.18);
  --teal:#0b5e6b;--teal-lite:#ecfeff;--teal-border:rgba(11,94,107,.2);
  --white:#fff;--charcoal:#1D1D1F;--gray:#5F6368;
  --border:#E0E4E8;--bg:#F7F9FC;--bg2:#eef1f6;
  --shadow-sm:0 1px 4px rgba(0,40,104,.07);
  --shadow-md:0 4px 20px rgba(0,40,104,.12);
  --shadow-lg:0 12px 40px rgba(0,40,104,.16);
  --tr:.2s ease;
  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:18px;--r-full:9999px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;color:var(--gray);background:var(--bg)}

/* ═══ WRAPPER ═══ */
.pt-wrap{max-width:1100px;margin:0 auto;padding:64px 20px 80px}

/* ═══ SECTION HEADER ═══ */
.pt-header{text-align:center;margin-bottom:56px}
.pt-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--navy-lite);color:var(--navy);font-size:11.5px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:5px 16px;border-radius:var(--r-full);margin-bottom:16px}
.pt-header h2{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(22px,3.5vw,38px);color:var(--charcoal);line-height:1.2;margin-bottom:14px;letter-spacing:-.3px}
.pt-header h2 span{color:var(--navy)}
.pt-header-sub{font-size:15px;color:var(--gray);max-width:760px;margin:0 auto;line-height:1.8}

/* ═══ TIP CARDS ═══ */
.pt-cards{display:flex;flex-direction:column;gap:0}

.pt-card{background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm);overflow:hidden;margin-bottom:28px;transition:box-shadow var(--tr)}
.pt-card:hover{box-shadow:var(--shadow-md)}

/* Accent side strip */
.pt-card[data-tip="1"]{border-left:5px solid var(--navy)}
.pt-card[data-tip="2"]{border-left:5px solid var(--red)}
.pt-card[data-tip="3"]{border-left:5px solid var(--amber)}
.pt-card[data-tip="4"]{border-left:5px solid var(--green-h)}
.pt-card[data-tip="5"]{border-left:5px solid var(--purple)}

/* ═══ CARD HEADER ═══ */
.pt-card-header{padding:24px 28px 20px;display:flex;align-items:flex-start;gap:20px;cursor:pointer;user-select:none}
.pt-num-badge{min-width:56px;height:56px;border-radius:var(--r-lg);display:flex;flex-direction:column;align-items:center;justify-content:center;flex-shrink:0;font-family:'Montserrat',sans-serif}
.pt-card[data-tip="1"] .pt-num-badge{background:var(--navy-lite)}
.pt-card[data-tip="2"] .pt-num-badge{background:var(--red-lite)}
.pt-card[data-tip="3"] .pt-num-badge{background:var(--amber-lite)}
.pt-card[data-tip="4"] .pt-num-badge{background:var(--green-lite)}
.pt-card[data-tip="5"] .pt-num-badge{background:var(--purple-lite)}
.pt-num-label{font-size:9px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;line-height:1}
.pt-card[data-tip="1"] .pt-num-label{color:var(--navy)}
.pt-card[data-tip="2"] .pt-num-label{color:var(--red)}
.pt-card[data-tip="3"] .pt-num-label{color:var(--amber)}
.pt-card[data-tip="4"] .pt-num-label{color:var(--green-h)}
.pt-card[data-tip="5"] .pt-num-label{color:var(--purple)}
.pt-num-val{font-size:26px;font-weight:900;line-height:1.1}
.pt-card[data-tip="1"] .pt-num-val{color:var(--navy)}
.pt-card[data-tip="2"] .pt-num-val{color:var(--red)}
.pt-card[data-tip="3"] .pt-num-val{color:var(--amber)}
.pt-card[data-tip="4"] .pt-num-val{color:var(--green-h)}
.pt-card[data-tip="5"] .pt-num-val{color:var(--purple)}

.pt-header-text{flex:1}
.pt-tag{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;padding:3px 11px;border-radius:var(--r-full);margin-bottom:8px}
.pt-card[data-tip="1"] .pt-tag{background:var(--navy-lite);color:var(--navy)}
.pt-card[data-tip="2"] .pt-tag{background:var(--red-lite);color:var(--red)}
.pt-card[data-tip="3"] .pt-tag{background:var(--amber-lite);color:var(--amber)}
.pt-card[data-tip="4"] .pt-tag{background:var(--green-lite);color:var(--green-h)}
.pt-card[data-tip="5"] .pt-tag{background:var(--purple-lite);color:var(--purple)}

.pt-tip-title{font-family:'Montserrat',sans-serif;font-size:clamp(15px,2vw,19px);font-weight:900;color:var(--charcoal);line-height:1.25;margin-bottom:6px}
.pt-tip-hook{font-size:13.5px;color:var(--gray);line-height:1.65;max-width:780px}

.pt-toggle-btn{min-width:36px;height:36px;border-radius:50%;border:2px solid var(--border);background:var(--bg);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:18px;font-weight:700;color:var(--gray);transition:all var(--tr);margin-top:4px}
.pt-card.open .pt-toggle-btn{border-color:var(--navy);color:var(--navy);background:var(--navy-lite);transform:rotate(45deg)}
.pt-card[data-tip="2"].open .pt-toggle-btn{border-color:var(--red);color:var(--red);background:var(--red-lite)}
.pt-card[data-tip="3"].open .pt-toggle-btn{border-color:var(--amber);color:var(--amber);background:var(--amber-lite)}
.pt-card[data-tip="4"].open .pt-toggle-btn{border-color:var(--green-h);color:var(--green-h);background:var(--green-lite)}
.pt-card[data-tip="5"].open .pt-toggle-btn{border-color:var(--purple);color:var(--purple);background:var(--purple-lite)}

/* ═══ CARD BODY (Collapsible) ═══ */
.pt-card-body{max-height:0;overflow:hidden;transition:max-height .5s cubic-bezier(.16,1,.3,1)}
.pt-card.open .pt-card-body{max-height:2000px}

.pt-body-inner{border-top:1.5px solid var(--border);padding:28px 28px 28px 28px}

/* Content Grid */
.pt-body-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:28px}

/* Expert Insight Box */
.pt-insight-box{background:var(--bg);border-radius:var(--r-lg);padding:18px 20px;border:1px solid var(--border)}
.pt-insight-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;margin-bottom:12px;display:flex;align-items:center;gap:7px}
.pt-card[data-tip="1"] .pt-insight-title{color:var(--navy)}
.pt-card[data-tip="2"] .pt-insight-title{color:var(--red)}
.pt-card[data-tip="3"] .pt-insight-title{color:var(--amber)}
.pt-card[data-tip="4"] .pt-insight-title{color:var(--green-h)}
.pt-card[data-tip="5"] .pt-insight-title{color:var(--purple)}

/* Do / Don't Table */
.pt-do-dont{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:24px}
.pt-col-do,.pt-col-dont{border-radius:var(--r-lg);padding:16px 18px}
.pt-col-do{background:var(--green-lite);border:1px solid var(--green-border)}
.pt-col-dont{background:var(--red-lite);border:1px solid var(--red-border)}
.pt-do-title,.pt-dont-title{font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.pt-do-title{color:var(--green-h)}
.pt-dont-title{color:var(--red)}
.pt-do-list,.pt-dont-list{display:flex;flex-direction:column;gap:7px;list-style:none}
.pt-do-list li,.pt-dont-list li{font-size:12.5px;color:var(--charcoal);line-height:1.55;padding-left:20px;position:relative}
.pt-do-list li::before{content:"✓";position:absolute;left:0;color:var(--green-h);font-weight:700}
.pt-dont-list li::before{content:"✗";position:absolute;left:0;color:var(--red);font-weight:700}

/* Insight items */
.pt-insight-items{display:flex;flex-direction:column;gap:10px}
.pt-insight-item{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--charcoal);line-height:1.6}
.pt-insight-item-icon{font-size:16px;flex-shrink:0;margin-top:1px}

/* Numbers / Stat Callout */
.pt-stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:24px}
.pt-stat-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--r-lg);padding:14px 16px;text-align:center}
.pt-stat-val{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:900;line-height:1;margin-bottom:4px}
.pt-card[data-tip="1"] .pt-stat-val{color:var(--navy)}
.pt-card[data-tip="2"] .pt-stat-val{color:var(--red)}
.pt-card[data-tip="3"] .pt-stat-val{color:var(--amber)}
.pt-card[data-tip="4"] .pt-stat-val{color:var(--green-h)}
.pt-card[data-tip="5"] .pt-stat-val{color:var(--purple)}
.pt-stat-desc{font-size:11px;color:var(--gray);line-height:1.4}

/* Checklist */
.pt-checklist{display:flex;flex-direction:column;gap:8px;margin-bottom:24px}
.pt-check-item{display:flex;gap:12px;align-items:flex-start;padding:10px 14px;background:var(--white);border:1px solid var(--border);border-radius:var(--r-md);transition:border-color var(--tr)}
.pt-check-item:hover{border-color:var(--navy)}
.pt-check-box{width:20px;height:20px;border-radius:5px;border:2px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;cursor:pointer;transition:all var(--tr)}
.pt-check-box.checked{border-color:var(--navy);background:var(--navy)}
.pt-card[data-tip="2"] .pt-check-box.checked{border-color:var(--red);background:var(--red)}
.pt-card[data-tip="3"] .pt-check-box.checked{border-color:var(--amber);background:var(--amber)}
.pt-card[data-tip="4"] .pt-check-box.checked{border-color:var(--green-h);background:var(--green-h)}
.pt-card[data-tip="5"] .pt-check-box.checked{border-color:var(--purple);background:var(--purple)}
.pt-check-box.checked::after{content:"✓";color:#fff;font-size:12px;font-weight:800}
.pt-check-label{font-size:13px;color:var(--charcoal);line-height:1.5}
.pt-check-label strong{display:block;font-weight:700;font-family:'Montserrat',sans-serif;font-size:12px;color:var(--charcoal)}
.pt-check-label span{font-size:12px;color:var(--gray)}

/* Warning / Alert Box */
.pt-alert{display:flex;gap:12px;align-items:flex-start;padding:14px 18px;border-radius:var(--r-lg);font-size:13px;line-height:1.65;margin-bottom:24px}
.pt-alert.warn{background:var(--amber-lite);border:1.5px solid var(--amber-border);color:var(--charcoal)}
.pt-alert.info{background:var(--navy-lite);border:1.5px solid rgba(0,40,104,.15);color:var(--charcoal)}
.pt-alert.danger{background:var(--red-lite);border:1.5px solid var(--red-border);color:var(--charcoal)}
.pt-alert.success{background:var(--green-lite);border:1.5px solid var(--green-border);color:var(--charcoal)}
.pt-alert-icon{font-size:20px;flex-shrink:0;margin-top:1px}
.pt-alert strong{font-weight:700;color:var(--charcoal)}

/* Step Timeline */
.pt-steps{display:flex;flex-direction:column;gap:0;position:relative;margin-bottom:24px}
.pt-steps::before{content:"";position:absolute;left:19px;top:24px;bottom:24px;width:2px;background:var(--border);z-index:0}
.pt-step{display:flex;gap:16px;position:relative;z-index:1;padding-bottom:16px}
.pt-step:last-child{padding-bottom:0}
.pt-step-dot{min-width:38px;height:38px;border-radius:50%;border:2px solid var(--border);background:var(--white);display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:900;flex-shrink:0;transition:all var(--tr)}
.pt-card[data-tip="1"] .pt-step-dot{border-color:var(--navy);color:var(--navy);background:var(--navy-lite)}
.pt-card[data-tip="2"] .pt-step-dot{border-color:var(--red);color:var(--red);background:var(--red-lite)}
.pt-card[data-tip="3"] .pt-step-dot{border-color:var(--amber);color:var(--amber);background:var(--amber-lite)}
.pt-card[data-tip="4"] .pt-step-dot{border-color:var(--green-h);color:var(--green-h);background:var(--green-lite)}
.pt-card[data-tip="5"] .pt-step-dot{border-color:var(--purple);color:var(--purple);background:var(--purple-lite)}
.pt-step-text{padding-top:8px}
.pt-step-title{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:3px}
.pt-step-desc{font-size:12.5px;color:var(--gray);line-height:1.6}

/* Formula / Code Box */
.pt-formula{background:var(--charcoal);color:#e2e8f0;font-family:'Courier New',monospace;font-size:12.5px;line-height:1.8;padding:16px 20px;border-radius:var(--r-md);margin-bottom:24px;overflow-x:auto}
.pt-formula .hl{color:#93C5FD;font-weight:700}
.pt-formula .hlg{color:#86EFAC;font-weight:700}
.pt-formula .hla{color:#FCD34D;font-weight:700}
.pt-formula .hlr{color:#FCA5A5;font-weight:700}
.pt-formula .hlp{color:#D8B4FE;font-weight:700}

/* Bottom bar */
.pt-card-footer{background:var(--bg);padding:14px 28px;border-top:1.5px solid var(--border);display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.pt-card-footer-label{font-size:11.5px;color:var(--gray);font-weight:600}
.pt-footer-tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;padding:4px 12px;border-radius:var(--r-full);border:1.5px solid var(--border);background:var(--white);color:var(--charcoal);font-family:'Montserrat',sans-serif}

/* ═══ BOTTOM STRIP: Quick Tips ═══ */
.pt-quick-strip{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);border-radius:var(--r-xl);padding:36px 32px;margin-top:16px}
.pt-qs-title{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;color:#fff;margin-bottom:20px;display:flex;align-items:center;gap:10px}
.pt-qs-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.pt-qs-item{display:flex;gap:12px;align-items:flex-start;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:14px 16px;transition:background var(--tr)}
.pt-qs-item:hover{background:rgba(255,255,255,.14)}
.pt-qs-icon{font-size:20px;flex-shrink:0;margin-top:1px}
.pt-qs-text{font-size:12.5px;color:rgba(255,255,255,.88);line-height:1.6}
.pt-qs-text strong{color:#fff;display:block;font-family:'Montserrat',sans-serif;font-size:12px;margin-bottom:2px}

/* ═══ CTA ═══ */
.pt-cta{text-align:center;margin-top:32px;padding:32px 24px;background:var(--white);border:1px solid var(--border);border-radius:var(--r-xl);box-shadow:var(--shadow-sm)}
.pt-cta h3{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:900;color:var(--charcoal);margin-bottom:10px}
.pt-cta p{font-size:13.5px;color:var(--gray);max-width:560px;margin:0 auto 20px;line-height:1.7}
.pt-cta-btn{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;padding:14px 32px;border-radius:var(--r-md);text-decoration:none;transition:all var(--tr)}
.pt-cta-btn:hover{background:var(--navy-dark);transform:translateY(-1px)}

/* ═══ RESPONSIVE ═══ */
@media(max-width:800px){
  .pt-body-grid{grid-template-columns:1fr}
  .pt-do-dont{grid-template-columns:1fr}
  .pt-stat-row{grid-template-columns:1fr 1fr}
  .pt-qs-grid{grid-template-columns:1fr}
}
@media(max-width:540px){
  .pt-wrap{padding:36px 14px 52px}
  .pt-card-header{gap:12px;padding:18px 18px 16px}
  .pt-body-inner{padding:20px 18px}
  .pt-stat-row{grid-template-columns:1fr}
  .pt-quick-strip{padding:24px 18px}
  .pt-card-footer{padding:12px 18px}
  .pt-num-badge{min-width:46px;height:46px}
}
  :root, [data-theme="light"] {
      --bg:#f5f7fa; --surface:#fff; --surface2:#f9fafb; --surfoff:#eef1f6; --divider:#e2e8f0; --border:#cbd5e1;
      --text:#0f172a; --muted:#475569; --faint:#94a3b8; --inv:#fff;
      --pri:#1e40af; --prihov:#1d3d9e; --prilit:#dbeafe; --prisub:#eff6ff;
      --acc:#d97706; --acchov:#b45309; --acclit:#fef3c7; --ok:#059669; --oklit:#d1fae5; --err:#dc2626;
      --r-sm:.375rem; --r-md:.5rem; --r-lg:.75rem; --r-xl:1rem; --r-2xl:1.5rem; --r-full:9999px;
      --sh-sm:0 1px 3px rgba(15,23,42,.08); --sh-md:0 4px 16px rgba(15,23,42,.10); --sh-lg:0 12px 40px rgba(15,23,42,.14);
      --tr:180ms cubic-bezier(.16,1,.3,1);
      --xs:clamp(.75rem,.7rem + .25vw,.875rem); --sm:clamp(.875rem,.8rem + .35vw,1rem); --base:clamp(1rem,.95rem + .25vw,1.125rem);
      --lg:clamp(1.125rem,1rem + .75vw,1.375rem); --xl:clamp(1.375rem,1.2rem + .9vw,1.75rem); --2xl:clamp(1.75rem,1.4rem + 1.5vw,2.5rem);
      --body:Inter,system-ui,sans-serif; --disp:Sora,Inter,system-ui,sans-serif; --w:1280px;
      --sp1:.25rem; --sp2:.5rem; --sp3:.75rem; --sp4:1rem; --sp5:1.25rem; --sp6:1.5rem; --sp8:2rem; --sp10:2.5rem; --sp12:3rem; --sp16:4rem;
    }
    [data-theme="dark"] {
      --bg:#0f1117; --surface:#161b27; --surface2:#1c2333; --surfoff:#1e2538; --divider:#2d3748; --border:#374151;
      --text:#e2e8f0; --muted:#94a3b8; --faint:#4b5563; --inv:#0f172a;
      --pri:#3b82f6; --prihov:#2563eb; --prilit:#1e3a5f; --prisub:#172035; --acc:#f59e0b; --acchov:#d97706; --acclit:#422006; --ok:#10b981; --oklit:#064e3b;
      --sh-sm:0 1px 3px rgba(0,0,0,.3); --sh-md:0 4px 16px rgba(0,0,0,.4); --sh-lg:0 12px 40px rgba(0,0,0,.5);
    }
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
    body{font-family:var(--body);font-size:var(--base);color:var(--text);background:var(--bg);line-height:1.6}
    img,svg{display:block;max-width:100%} button{cursor:pointer;border:none;background:none;font:inherit;color:inherit}
    a{text-decoration:none;color:inherit}
    :focus-visible{outline:2px solid var(--pri);outline-offset:3px;border-radius:var(--r-sm)}

    .faq-section{padding:clamp(var(--sp10),6vw,var(--sp16)) var(--sp6);background:var(--bg)}
    .faq-inner{max-width:var(--w);margin:0 auto}
    .faq-head{display:grid;grid-template-columns:1.2fr .8fr;gap:var(--sp8);align-items:start;margin-bottom:var(--sp8)}
    .eyebrow{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp1) var(--sp4);background:var(--prisub);border:1px solid var(--prilit);color:var(--pri);border-radius:var(--r-full);font-size:var(--xs);font-weight:700;letter-spacing:.6px;text-transform:uppercase;margin-bottom:var(--sp4)}
    .faq-title{font-family:var(--disp);font-size:var(--2xl);line-height:1.1;color:var(--text);margin-bottom:var(--sp3)}
    .faq-title span{color:var(--pri)}
    .faq-sub{font-size:var(--sm);color:var(--muted);max-width:62ch}
    .faq-summary{background:linear-gradient(135deg,var(--surface),var(--surface2));border:1px solid var(--divider);border-radius:var(--r-2xl);box-shadow:var(--sh-sm);padding:var(--sp6)}
    .faq-summary h3{font-family:var(--disp);font-size:var(--lg);color:var(--pri);margin-bottom:var(--sp3);display:flex;align-items:center;gap:var(--sp2)}
    .faq-summary p{font-size:var(--xs);color:var(--muted);margin-bottom:var(--sp4)}
    .summary-list{display:grid;gap:var(--sp2)}
    .summary-item{display:flex;align-items:flex-start;gap:var(--sp2);font-size:var(--xs);color:var(--text);line-height:1.5}
    .summary-item i{color:var(--ok);width:14px;height:14px;flex-shrink:0;margin-top:2px}

    .faq-toolbar{display:flex;align-items:center;justify-content:space-between;gap:var(--sp4);flex-wrap:wrap;margin-bottom:var(--sp6)}
    .faq-pills{display:flex;gap:var(--sp2);flex-wrap:wrap}
    .pill{display:inline-flex;align-items:center;gap:6px;padding:var(--sp2) var(--sp4);background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-full);font-size:var(--xs);font-weight:700;color:var(--muted)}
    .pill i{width:13px;height:13px}
    .faq-actions{display:flex;gap:var(--sp2);flex-wrap:wrap}
    .faq-btn{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp2) var(--sp4);border-radius:var(--r-lg);font-size:var(--xs);font-weight:700;transition:all var(--tr)}
    .faq-btn.primary{background:var(--pri);color:#fff;box-shadow:0 4px 14px rgba(30,64,175,.25)}
    .faq-btn.primary:hover{background:var(--prihov);transform:translateY(-1px)}
    .faq-btn.secondary{background:var(--surface);border:1px solid var(--divider);color:var(--muted)}
    .faq-btn.secondary:hover{background:var(--prisub);border-color:var(--prilit);color:var(--pri)}

    .faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp5);align-items:start}
    .faq-col{display:flex;flex-direction:column;gap:var(--sp4)}
    .faq-card{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-xl);box-shadow:var(--sh-sm);overflow:hidden;transition:border-color var(--tr), box-shadow var(--tr), transform var(--tr)}
    .faq-card:hover{border-color:var(--prilit);box-shadow:var(--sh-md);transform:translateY(-2px)}
    .faq-q{width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:var(--sp3);text-align:left;padding:var(--sp5);background:transparent}
    .faq-q-left{display:flex;align-items:flex-start;gap:var(--sp3);min-width:0}
    .faq-num{width:30px;height:30px;border-radius:var(--r-full);background:var(--prisub);border:1px solid var(--prilit);color:var(--pri);display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;flex-shrink:0}
    .faq-q-text{font-family:var(--disp);font-size:var(--sm);font-weight:700;color:var(--text);line-height:1.4}
    .faq-toggle{width:28px;height:28px;border-radius:var(--r-full);background:var(--surfoff);display:flex;align-items:center;justify-content:center;color:var(--muted);flex-shrink:0;transition:all var(--tr)}
    .faq-toggle i{width:16px;height:16px}
    .faq-card.active .faq-toggle{background:var(--pri);color:#fff;transform:rotate(180deg)}
    .faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows var(--tr), border-top-color var(--tr);border-top:1px solid transparent}
    .faq-card.active .faq-a{grid-template-rows:1fr;border-top-color:var(--divider)}
    .faq-a-inner{overflow:hidden}
    .faq-a-content{padding:0 var(--sp5) var(--sp5) calc(var(--sp5) + 42px)}
    .faq-a-content p{font-size:var(--xs);color:var(--muted);margin-bottom:var(--sp3);line-height:1.7}
    .faq-a-content p:last-child{margin-bottom:0}
    .faq-a-content strong{color:var(--text)}
    .mini-note{margin-top:var(--sp3);display:inline-flex;align-items:center;gap:6px;padding:6px 10px;border-radius:var(--r-full);font-size:10px;font-weight:800;letter-spacing:.4px;text-transform:uppercase}
    .note-blue{background:var(--prilit);color:var(--prihov)}
    .note-amber{background:var(--acclit);color:var(--acchov)}
    .note-green{background:var(--oklit);color:#065f46}

    .faq-bottom{margin-top:var(--sp8);background:linear-gradient(135deg,var(--pri) 0%, #1d3d9e 60%, #0f2d6b 100%);border-radius:var(--r-2xl);padding:var(--sp8);position:relative;overflow:hidden}
    .faq-bottom::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 80% 20%, rgba(255,255,255,.08) 0, transparent 55%), radial-gradient(ellipse at 20% 80%, rgba(255,255,255,.05) 0, transparent 50%);pointer-events:none}
    .faq-bottom-content{position:relative;display:flex;align-items:center;justify-content:space-between;gap:var(--sp6);flex-wrap:wrap}
    .faq-bottom h3{font-family:var(--disp);font-size:var(--lg);color:#fff;margin-bottom:var(--sp2)}
    .faq-bottom p{font-size:var(--xs);color:rgba(255,255,255,.78);max-width:56ch}
    .faq-bottom .cta{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp3) var(--sp6);background:#fff;color:var(--pri);border-radius:var(--r-lg);font-family:var(--disp);font-size:var(--sm);font-weight:700;white-space:nowrap}

    @media (max-width:1024px){.faq-head{grid-template-columns:1fr}.faq-grid{grid-template-columns:1fr}}
    @media (max-width:640px){.faq-section{padding:var(--sp10) var(--sp4)}.faq-q{padding:var(--sp4)}.faq-a-content{padding:0 var(--sp4) var(--sp4) var(--sp4)}.faq-num{display:none}.faq-bottom{padding:var(--sp6)}}
    @media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
/* =============================================
   DESIGN TOKENS — mirrors Key Person Calculator
   ============================================= */
:root, [data-theme="light"] {
  --bg: #f5f7fa; --surface: #fff; --surface2: #f9fafb;
  --surfoff: #eef1f6; --divider: #e2e8f0; --border: #cbd5e1;
  --text: #0f172a; --muted: #475569; --faint: #94a3b8; --inv: #fff;
  --pri: #1e40af; --prihov: #1d3d9e; --prilit: #dbeafe; --prisub: #eff6ff;
  --acc: #d97706; --acchov: #b45309; --acclit: #fef3c7;
  --ok: #059669; --oklit: #d1fae5; --err: #dc2626;
  --r-sm: .375rem; --r-md: .5rem; --r-lg: .75rem; --r-xl: 1rem;
  --r-2xl: 1.5rem; --r-full: 9999px;
  --sh-sm: 0 1px 3px rgba(15,23,42,.08);
  --sh-md: 0 4px 16px rgba(15,23,42,.10);
  --sh-lg: 0 12px 40px rgba(15,23,42,.14);
  --sh-card-hover: 0 8px 32px rgba(30,64,175,.13);
  --tr: 180ms cubic-bezier(.16,1,.3,1);
  --xs: clamp(.75rem,.7rem + .25vw,.875rem);
  --sm: clamp(.875rem,.8rem + .35vw,1rem);
  --base: clamp(1rem,.95rem + .25vw,1.125rem);
  --lg: clamp(1.125rem,1rem + .75vw,1.375rem);
  --xl: clamp(1.375rem,1.2rem + .9vw,1.75rem);
  --2xl: clamp(1.75rem,1.4rem + 1.5vw,2.5rem);
  --body: 'Inter', system-ui, sans-serif;
  --disp: 'Sora', Inter, system-ui, sans-serif;
  --w: 1280px;
  --sp1: .25rem; --sp2: .5rem; --sp3: .75rem; --sp4: 1rem;
  --sp5: 1.25rem; --sp6: 1.5rem; --sp8: 2rem; --sp10: 2.5rem;
  --sp12: 3rem; --sp16: 4rem;
}
[data-theme="dark"] {
  --bg: #0f1117; --surface: #161b27; --surface2: #1c2333;
  --surfoff: #1e2538; --divider: #2d3748; --border: #374151;
  --text: #e2e8f0; --muted: #94a3b8; --faint: #4b5563; --inv: #0f172a;
  --pri: #3b82f6; --prihov: #2563eb; --prilit: #1e3a5f; --prisub: #172035;
  --acc: #f59e0b; --acchov: #d97706; --acclit: #422006;
  --ok: #10b981; --oklit: #064e3b;
  --sh-sm: 0 1px 3px rgba(0,0,0,.3); --sh-md: 0 4px 16px rgba(0,0,0,.4);
  --sh-lg: 0 12px 40px rgba(0,0,0,.5);
  --sh-card-hover: 0 8px 32px rgba(59,130,246,.18);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  font-family: var(--body); font-size: var(--base);
  color: var(--text); background: var(--bg); line-height: 1.6;
}
img, svg { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
button { cursor: pointer; border: none; background: none; font: inherit; color: inherit; }

/* =============================================
   SECTION WRAPPER
   ============================================= */
.rc-section {
  padding: clamp(var(--sp10), 6vw, var(--sp16)) var(--sp6);
  background: var(--bg);
}
.rc-inner {
  max-width: var(--w);
  margin: 0 auto;
}

/* =============================================
   SECTION HEADER
   ============================================= */
.rc-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--sp4);
  margin-bottom: var(--sp8);
}
.rc-header-left {}
.rc-label {
  display: inline-flex;
  align-items: center;
  gap: var(--sp2);
  font-size: var(--xs);
  font-weight: 700;
  letter-spacing: .8px;
  text-transform: uppercase;
  color: var(--pri);
  background: var(--prisub);
  border: 1px solid var(--prilit);
  border-radius: var(--r-full);
  padding: var(--sp1) var(--sp4);
  margin-bottom: var(--sp4);
}
.rc-title {
  font-family: var(--disp);
  font-size: var(--xl);
  font-weight: 800;
  color: var(--text);
  line-height: 1.15;
  margin-bottom: var(--sp2);
}
.rc-title span { color: var(--pri); }
.rc-subtitle {
  font-size: var(--sm);
  color: var(--muted);
  max-width: 52ch;
  line-height: 1.65;
}
.rc-view-all {
  display: inline-flex;
  align-items: center;
  gap: var(--sp2);
  padding: var(--sp2) var(--sp5);
  border: 1.5px solid var(--border);
  border-radius: var(--r-lg);
  font-size: var(--xs);
  font-weight: 700;
  color: var(--muted);
  background: var(--surface);
  transition: all var(--tr);
  white-space: nowrap;
  flex-shrink: 0;
}
.rc-view-all:hover {
  border-color: var(--pri);
  color: var(--pri);
  background: var(--prisub);
}
.rc-view-all svg { width: 14px; height: 14px; flex-shrink: 0; }

/* =============================================
   FILTER TABS
   ============================================= */
.rc-filters {
  display: flex;
  align-items: center;
  gap: var(--sp2);
  flex-wrap: wrap;
  margin-bottom: var(--sp6);
}
.rc-filter-btn {
  display: inline-flex;
  align-items: center;
  gap: var(--sp2);
  padding: var(--sp2) var(--sp4);
  border-radius: var(--r-full);
  font-size: var(--xs);
  font-weight: 600;
  background: var(--surface);
  border: 1.5px solid var(--border);
  color: var(--muted);
  transition: all var(--tr);
}
.rc-filter-btn:hover { border-color: var(--pri); color: var(--pri); background: var(--prisub); }
.rc-filter-btn.active {
  background: var(--pri);
  color: #fff;
  border-color: var(--pri);
  box-shadow: 0 2px 8px rgba(30,64,175,.25);
}
.rc-filter-btn svg { width: 13px; height: 13px; }
.filter-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 18px;
  height: 18px;
  padding: 0 5px;
  border-radius: var(--r-full);
  font-size: 10px;
  font-weight: 800;
  background: rgba(255,255,255,.25);
  color: inherit;
}
.rc-filter-btn:not(.active) .filter-count {
  background: var(--surfoff);
  color: var(--muted);
}

/* =============================================
   CARD GRID
   ============================================= */
.rc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(320px, 100%), 1fr));
  gap: var(--sp5);
}

/* =============================================
   CALC CARD
   ============================================= */
.calc-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--surface);
  border: 1px solid var(--divider);
  border-radius: var(--r-2xl);
  overflow: hidden;
  box-shadow: var(--sh-sm);
  transition: transform var(--tr), box-shadow var(--tr), border-color var(--tr);
  animation: cardIn .4s cubic-bezier(.16,1,.3,1) both;
}
@keyframes cardIn {
  from { opacity: 0; transform: translateY(14px); }
  to   { opacity: 1; transform: translateY(0); }
}
.calc-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--sh-card-hover);
  border-color: var(--prilit);
}

/* Accent top bar */
.calc-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--pri), var(--acc));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--tr);
}
.calc-card:hover::before { transform: scaleX(1); }

/* Card header */
.card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--sp3);
  padding: var(--sp5) var(--sp5) var(--sp4);
}
.card-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--r-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  background: var(--prisub);
  border: 1.5px solid var(--prilit);
  transition: background var(--tr), border-color var(--tr);
}
.calc-card:hover .card-icon-wrap {
  background: var(--pri);
  border-color: var(--pri);
}
.card-icon-wrap svg {
  width: 22px; height: 22px;
  color: var(--pri);
  transition: color var(--tr);
}
.calc-card:hover .card-icon-wrap svg { color: #fff; }

/* Badge */
.card-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  border-radius: var(--r-full);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .4px;
  text-transform: uppercase;
  flex-shrink: 0;
}
.badge-pri { background: var(--prilit); color: var(--prihov); border: 1px solid rgba(30,64,175,.18); }
.badge-acc { background: var(--acclit); color: var(--acchov); border: 1px solid rgba(217,119,6,.18); }
.badge-ok  { background: var(--oklit);  color: #065f46;       border: 1px solid rgba(5,150,105,.18); }

/* Card body */
.card-body {
  padding: 0 var(--sp5) var(--sp5);
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: var(--sp3);
}
.card-tag {
  font-size: var(--xs);
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .6px;
  display: flex;
  align-items: center;
  gap: var(--sp1);
}
.card-tag::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: var(--r-full);
  background: var(--pri);
  opacity: .5;
  flex-shrink: 0;
}
.card-title {
  font-family: var(--disp);
  font-size: var(--base);
  font-weight: 700;
  color: var(--text);
  line-height: 1.3;
  transition: color var(--tr);
}
.calc-card:hover .card-title { color: var(--pri); }
.card-desc {
  font-size: var(--xs);
  color: var(--muted);
  line-height: 1.65;
  flex: 1;
}

/* CTA row */
.card-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--sp3) var(--sp5);
  border-top: 1px solid var(--divider);
  background: var(--surface2);
  transition: background var(--tr);
  gap: var(--sp3);
}
.calc-card:hover .card-cta {
  background: var(--prisub);
  border-top-color: var(--prilit);
}
.cta-label {
  font-size: var(--xs);
  font-weight: 600;
  color: var(--pri);
  display: flex;
  align-items: center;
  gap: var(--sp2);
}
.cta-label svg { width: 14px; height: 14px; flex-shrink: 0; }
.cta-arrow {
  width: 32px; height: 32px;
  border-radius: var(--r-full);
  background: var(--prilit);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--tr), transform var(--tr);
  flex-shrink: 0;
}
.cta-arrow svg { width: 15px; height: 15px; color: var(--pri); }
.calc-card:hover .cta-arrow {
  background: var(--pri);
  transform: translateX(3px);
}
.calc-card:hover .cta-arrow svg { color: #fff; }

/* Make entire card clickable */
.card-link {
  position: absolute;
  inset: 0;
  z-index: 1;
  border-radius: var(--r-2xl);
}

/* =============================================
   HIGHLIGHT STRIP — top 3 "Highly Related"
   ============================================= */
.rc-highlight {
  display: flex;
  align-items: center;
  gap: var(--sp3);
  padding: var(--sp3) var(--sp5);
  background: linear-gradient(135deg, var(--prisub), var(--surface));
  border: 1px solid var(--prilit);
  border-radius: var(--r-xl);
  margin-bottom: var(--sp6);
  flex-wrap: wrap;
}
.rc-highlight svg { width: 16px; height: 16px; color: var(--pri); flex-shrink: 0; }
.rc-highlight-text {
  font-size: var(--xs);
  color: var(--muted);
  line-height: 1.5;
}
.rc-highlight-text strong { color: var(--pri); }

/* =============================================
   BOTTOM CTA BAND
   ============================================= */
.rc-cta-band {
  margin-top: var(--sp10);
  padding: var(--sp8) var(--sp8);
  background: linear-gradient(135deg, var(--pri) 0%, #1d3d9e 60%, #0f2d6b 100%);
  border-radius: var(--r-2xl);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp6);
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.rc-cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 85% 20%, rgba(255,255,255,.07) 0%, transparent 55%),
    radial-gradient(ellipse at 15% 80%, rgba(255,255,255,.04) 0%, transparent 50%);
  pointer-events: none;
}
.cta-band-left { position: relative; }
.cta-band-eyebrow {
  font-size: var(--xs);
  font-weight: 700;
  letter-spacing: .7px;
  text-transform: uppercase;
  color: rgba(255,255,255,.6);
  margin-bottom: var(--sp2);
  display: flex;
  align-items: center;
  gap: var(--sp2);
}
.cta-band-eyebrow svg { width: 13px; height: 13px; }
.cta-band-title {
  font-family: var(--disp);
  font-size: var(--lg);
  font-weight: 800;
  color: #fff;
  line-height: 1.25;
  margin-bottom: var(--sp2);
}
.cta-band-sub {
  font-size: var(--xs);
  color: rgba(255,255,255,.7);
  max-width: 44ch;
  line-height: 1.6;
}
.cta-band-btns {
  display: flex;
  align-items: center;
  gap: var(--sp3);
  flex-wrap: wrap;
  flex-shrink: 0;
  position: relative;
}
.cta-btn-white {
  display: inline-flex;
  align-items: center;
  gap: var(--sp2);
  padding: var(--sp3) var(--sp6);
  background: #fff;
  color: var(--pri);
  border-radius: var(--r-lg);
  font-family: var(--disp);
  font-size: var(--sm);
  font-weight: 700;
  transition: all var(--tr);
  white-space: nowrap;
}
.cta-btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.15); }
.cta-btn-white svg { width: 16px; height: 16px; }
.cta-btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: var(--sp2);
  padding: var(--sp3) var(--sp6);
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,.35);
  border-radius: var(--r-lg);
  font-family: var(--disp);
  font-size: var(--sm);
  font-weight: 600;
  transition: all var(--tr);
  white-space: nowrap;
}
.cta-btn-ghost:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.6); }
.cta-btn-ghost svg { width: 16px; height: 16px; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 768px) {
  .rc-section { padding: var(--sp10) var(--sp4); }
  .rc-header { flex-direction: column; align-items: flex-start; }
  .rc-grid { grid-template-columns: 1fr; }
  .rc-cta-band { padding: var(--sp6) var(--sp5); flex-direction: column; align-items: flex-start; }
  .cta-band-btns { width: 100%; }
  .cta-btn-white, .cta-btn-ghost { flex: 1; justify-content: center; }
}
@media (max-width: 480px) {
  .rc-filters { gap: var(--sp1); }
  .cta-band-btns { flex-direction: column; }
  .cta-btn-white, .cta-btn-ghost { width: 100%; }
}

/* Focus ring */
a:focus-visible, button:focus-visible {
  outline: 2px solid var(--pri);
  outline-offset: 3px;
  border-radius: var(--r-sm);
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
 :root, [data-theme="light"] {
      --bg:#f5f7fa; --surface:#fff; --surface2:#f9fafb; --surfoff:#eef1f6; --divider:#e2e8f0; --border:#cbd5e1;
      --text:#0f172a; --muted:#475569; --faint:#94a3b8; --inv:#fff;
      --pri:#1e40af; --prihov:#1d3d9e; --prilit:#dbeafe; --prisub:#eff6ff;
      --acc:#d97706; --acchov:#b45309; --acclit:#fef3c7; --ok:#059669; --oklit:#d1fae5; --err:#dc2626; --errlit:#fee2e2;
      --r-sm:.375rem; --r-md:.5rem; --r-lg:.75rem; --r-xl:1rem; --r-2xl:1.5rem; --r-full:9999px;
      --sh-sm:0 1px 3px rgba(15,23,42,.08); --sh-md:0 4px 16px rgba(15,23,42,.10); --sh-lg:0 12px 40px rgba(15,23,42,.14);
      --tr:180ms cubic-bezier(.16,1,.3,1);
      --xs:clamp(.75rem,.7rem + .25vw,.875rem); --sm:clamp(.875rem,.8rem + .35vw,1rem); --base:clamp(1rem,.95rem + .25vw,1.125rem);
      --lg:clamp(1.125rem,1rem + .75vw,1.375rem); --xl:clamp(1.375rem,1.2rem + .9vw,1.75rem); --2xl:clamp(1.75rem,1.4rem + 1.5vw,2.5rem);
      --body:Inter,system-ui,sans-serif; --disp:Sora,Inter,system-ui,sans-serif; --w:1280px;
      --sp1:.25rem; --sp2:.5rem; --sp3:.75rem; --sp4:1rem; --sp5:1.25rem; --sp6:1.5rem; --sp8:2rem; --sp10:2.5rem; --sp12:3rem; --sp16:4rem;
    }
    [data-theme="dark"] {
      --bg:#0f1117; --surface:#161b27; --surface2:#1c2333; --surfoff:#1e2538; --divider:#2d3748; --border:#374151;
      --text:#e2e8f0; --muted:#94a3b8; --faint:#4b5563; --inv:#0f172a;
      --pri:#3b82f6; --prihov:#2563eb; --prilit:#1e3a5f; --prisub:#172035;
      --acc:#f59e0b; --acchov:#d97706; --acclit:#422006; --ok:#10b981; --oklit:#064e3b; --err:#f87171; --errlit:#3b1014;
      --sh-sm:0 1px 3px rgba(0,0,0,.3); --sh-md:0 4px 16px rgba(0,0,0,.4); --sh-lg:0 12px 40px rgba(0,0,0,.5);
    }
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
    body{font-family:var(--body);font-size:var(--base);color:var(--text);background:var(--bg);line-height:1.65}
    img,svg{display:block;max-width:100%} a{text-decoration:none;color:inherit} button{cursor:pointer;border:none;background:none;font:inherit;color:inherit}
    :focus-visible{outline:2px solid var(--pri);outline-offset:3px;border-radius:var(--r-sm)}

    .wrap{padding:clamp(var(--sp10),6vw,var(--sp16)) var(--sp6);background:var(--bg)}
    .inner{max-width:var(--w);margin:0 auto}

    .hero{display:grid;grid-template-columns:1.15fr .85fr;gap:var(--sp8);align-items:start;margin-bottom:var(--sp8)}
    .eyebrow{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp1) var(--sp4);background:var(--prisub);border:1px solid var(--prilit);color:var(--pri);border-radius:var(--r-full);font-size:var(--xs);font-weight:800;letter-spacing:.7px;text-transform:uppercase;margin-bottom:var(--sp4)}
    .title{font-family:var(--disp);font-size:var(--2xl);line-height:1.08;color:var(--text);margin-bottom:var(--sp3)}
    .title span{color:var(--pri)}
    .sub{font-size:var(--sm);color:var(--muted);max-width:64ch}

    .authority-card{background:linear-gradient(135deg,var(--surface),var(--surface2));border:1px solid var(--divider);box-shadow:var(--sh-sm);border-radius:var(--r-2xl);padding:var(--sp6)}
    .authority-card h3{font-family:var(--disp);font-size:var(--lg);color:var(--pri);margin-bottom:var(--sp3);display:flex;align-items:center;gap:var(--sp2)}
    .authority-card p{font-size:var(--xs);color:var(--muted);margin-bottom:var(--sp4)}
    .gov-link{display:flex;align-items:flex-start;justify-content:space-between;gap:var(--sp3);padding:var(--sp4);border-radius:var(--r-xl);background:var(--prisub);border:1px solid var(--prilit);transition:all var(--tr)}
    .gov-link:hover{background:var(--surface);border-color:var(--pri);box-shadow:var(--sh-sm)}
    .gov-left{display:flex;gap:var(--sp3)}
    .gov-badge{width:42px;height:42px;border-radius:var(--r-lg);background:var(--pri);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .gov-badge i{width:20px;height:20px}
    .gov-text strong{display:block;font-size:var(--sm);color:var(--text);margin-bottom:4px}
    .gov-text span{display:block;font-size:var(--xs);color:var(--muted);line-height:1.55}
    .gov-arr{width:34px;height:34px;border-radius:var(--r-full);background:rgba(30,64,175,.1);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--pri)}

    .grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp5);margin-bottom:var(--sp8)}
    .panel{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-2xl);box-shadow:var(--sh-sm);overflow:hidden}
    .panel-head{padding:var(--sp5) var(--sp6);border-bottom:1px solid var(--divider);background:linear-gradient(135deg,var(--prisub),var(--surface));display:flex;align-items:center;gap:var(--sp3)}
    .panel-head .icon{width:42px;height:42px;border-radius:var(--r-xl);background:var(--pri);display:flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0}
    .panel-head .icon i{width:20px;height:20px}
    .panel-head h3{font-family:var(--disp);font-size:var(--lg);color:var(--pri);line-height:1.2}
    .panel-body{padding:var(--sp6);display:flex;flex-direction:column;gap:var(--sp5)}
    .item{display:flex;gap:var(--sp3);align-items:flex-start}
    .item-mark{width:28px;height:28px;border-radius:var(--r-full);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
    .item-mark.info{background:var(--prilit);color:var(--prihov)}
    .item-mark.warn{background:var(--acclit);color:var(--acchov)}
    .item-mark.ok{background:var(--oklit);color:#065f46}
    .item-mark.err{background:var(--errlit);color:var(--err)}
    .item-mark i{width:15px;height:15px}
    .item h4{font-size:var(--sm);font-weight:800;color:var(--text);margin-bottom:6px}
    .item p{font-size:var(--xs);color:var(--muted);line-height:1.65}

    .notice-strip{display:grid;grid-template-columns:1fr 1fr 1fr;gap:var(--sp4);margin-bottom:var(--sp8)}
    .notice-card{background:var(--surface);border:1px solid var(--divider);border-radius:var(--r-xl);padding:var(--sp5);box-shadow:var(--sh-sm)}
    .notice-top{display:flex;align-items:center;gap:var(--sp2);margin-bottom:var(--sp3);font-size:var(--xs);font-weight:800;letter-spacing:.5px;text-transform:uppercase}
    .notice-top i{width:14px;height:14px}
    .notice-card h4{font-family:var(--disp);font-size:var(--sm);color:var(--text);margin-bottom:var(--sp2)}
    .notice-card p{font-size:var(--xs);color:var(--muted);line-height:1.6}
    .notice-blue .notice-top{color:var(--pri)}
    .notice-amber .notice-top{color:var(--acchov)}
    .notice-green .notice-top{color:var(--ok)}

    .bottom{background:linear-gradient(135deg,var(--pri) 0%, #1d3d9e 60%, #0f2d6b 100%);border-radius:var(--r-2xl);padding:var(--sp8);position:relative;overflow:hidden}
    .bottom::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 80% 20%, rgba(255,255,255,.08) 0, transparent 55%),radial-gradient(ellipse at 20% 80%, rgba(255,255,255,.05) 0, transparent 50%);pointer-events:none}
    .bottom-content{position:relative;display:flex;align-items:center;justify-content:space-between;gap:var(--sp6);flex-wrap:wrap}
    .bottom h3{font-family:var(--disp);font-size:var(--lg);color:#fff;margin-bottom:var(--sp2)}
    .bottom p{font-size:var(--xs);color:rgba(255,255,255,.78);max-width:60ch}
    .btns{display:flex;gap:var(--sp3);flex-wrap:wrap}
    .btn{display:inline-flex;align-items:center;gap:var(--sp2);padding:var(--sp3) var(--sp6);border-radius:var(--r-lg);font-size:var(--sm);font-weight:700;white-space:nowrap;transition:all var(--tr)}
    .btn.white{background:#fff;color:var(--pri);font-family:var(--disp)}
    .btn.white:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.18)}
    .btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35)}
    .btn.ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.65)}

    @media (max-width:1024px){.hero{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.notice-strip{grid-template-columns:1fr}}
    @media (max-width:640px){.wrap{padding:var(--sp10) var(--sp4)}.panel-head,.panel-body{padding:var(--sp5)}.bottom{padding:var(--sp6)}.btns{width:100%}.btn{width:100%;justify-content:center}}
    @media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}