/* ==========================================================
     BRAND VARIABLES & BASE SETTINGS
     ========================================================== */
  :root {
    --brand-navy: #002868;        
    --brand-navy-dark: #00183F;   
    --brand-charcoal: #1D1D1F;    
    --brand-gray: #5F6368;        
    --brand-light-gray: #E0E4E8;  
    --brand-off-white: #F7F9FC;   
    --brand-white: #FFFFFF;       
    --brand-red: #BF0A30;         
    --brand-green: #00875A;       

    --color-primary: var(--brand-navy);
    --color-primary-hover: var(--brand-navy-dark);
    --color-text: var(--brand-gray);
    --color-text-heading: var(--brand-charcoal);
    --color-text-muted: #80868B;
    --color-text-faint: #AAB0B6;
    --color-bg: var(--brand-off-white);
    --color-surface: var(--brand-white);
    --color-surface-offset: #f1f5f9;
    --color-border: var(--brand-light-gray);
    --color-divider: var(--brand-light-gray);
    
    --color-success: var(--brand-green);
    --color-success-light: #E6F4EA; 
    --color-warning: #D97706; 
    --color-warning-light: #FEF3C7;
    --color-danger: var(--brand-red);
    --color-danger-light: #FCE8E6;
    --color-info: #0056D2;
    --color-info-light: #E8F0FE;

    --font-base: 'Inter', sans-serif;
    --font-heading: 'Montserrat', sans-serif;

    --space-2: 0.5rem; --space-3: 0.75rem; --space-4: 1rem; 
    --space-5: 1.5rem; --space-6: 2rem;
    --text-xs: 0.75rem; --text-sm: 0.875rem; --text-base: 16px;
    
    --radius-md: 8px; --radius-lg: 12px;
    --shadow-sm: 0 2px 4px rgba(29, 29, 31, 0.05);
    --shadow-md: 0 4px 12px rgba(29, 29, 31, 0.08);
  }

  * { box-sizing: border-box; margin: 0; padding: 0; }
  body { font-family: var(--font-base); color: var(--color-text); background-color: var(--color-bg); line-height: 1.6; font-size: var(--text-base); -webkit-font-smoothing: antialiased; }
  h1, h2, h3, .card-title { font-family: var(--font-heading); color: var(--color-text-heading); font-weight: 700; line-height: 1.3; }

  /* ── LAYOUT & HERO ── */
  .page-wrap { max-width: 1200px; margin: 0 auto 4rem auto; padding: 0 1rem; }
  .hero { background: linear-gradient(135deg, var(--brand-navy-dark) 0%, var(--brand-navy) 100%); color: var(--brand-white); padding: 3rem 1.5rem; text-align: center; border-radius: 0 0 var(--radius-lg) var(--radius-lg); margin: 0 -1rem 2rem -1rem; }
  .hero-badge { display: inline-flex; align-items: center; gap: 6px; background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); padding: 4px 12px; border-radius: 99px; font-size: 11px; font-family: var(--font-heading); font-weight: 700; letter-spacing: 0.5px; margin-bottom: 1rem; }
  .hero-badge svg { color: #6EE7B7; }
  .hero h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); margin-bottom: 1rem; color: #fff; }
  .hero h1 em { font-style: normal; color: #93c5fd; }
  .hero p { max-width: 700px; margin: 0 auto; color: rgba(255,255,255,0.8); font-size: var(--text-base); }

  /* ── TABS ── */
  .tabs-wrapper { margin-bottom: var(--space-5); }
  .tabs { display: flex; gap: 8px; background: var(--color-bg); padding: 6px; border-radius: var(--radius-md); overflow-x: auto; scrollbar-width: none; }
  .tabs::-webkit-scrollbar { display: none; }
  .tab-btn { flex: 1; min-width: max-content; padding: 10px 14px; background: transparent; border: none; font-family: var(--font-heading); font-weight: 600; font-size: var(--text-sm); color: var(--color-text-muted); cursor: pointer; border-radius: 6px; transition: all 0.2s; }
  .tab-btn:hover { color: var(--color-text-heading); }
  .tab-btn.active { background: var(--color-surface); color: var(--color-primary); box-shadow: var(--shadow-sm); }
  .tab-panel { display: none; animation: fadeIn 0.3s ease; }
  .tab-panel.active { display: block; }
  @keyframes fadeIn { from { opacity: 0; transform: translateY(5px); } to { opacity: 1; transform: translateY(0); } }

  /* ── GRIDS & CARDS ── */
  .calc-grid { display: grid; grid-template-columns: 1fr 420px; gap: 24px; align-items: start; }
  @media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }
  .card { background: var(--color-surface); border-radius: var(--radius-lg); padding: var(--space-5); box-shadow: var(--shadow-md); border: 1px solid var(--color-border); }
  .card-title { display: flex; align-items: center; gap: 10px; font-size: 1.15rem; margin-bottom: var(--space-4); padding-bottom: var(--space-3); border-bottom: 1px solid var(--color-divider); color: var(--color-primary); }
  .card-title svg { background: var(--color-info-light); color: var(--color-primary); width: 32px; height: 32px; padding: 6px; border-radius: 8px; }

  /* ── FORMS & INPUTS ── */
  .form-group { margin-bottom: var(--space-4); }
  label { font-size: var(--text-sm); font-weight: 600; color: var(--color-text-heading); display: block; margin-bottom: 6px; }
  .required { color: var(--color-danger); }
  .input-wrap { position: relative; display: flex; align-items: center; }
  .input-prefix { position: absolute; left: 12px; color: var(--color-text-muted); font-weight: 500; font-size: var(--text-base); }
  input[type="number"], select { width: 100%; padding: 10px 12px; border: 1px solid var(--color-border); border-radius: var(--radius-md); font-family: var(--font-base); font-size: var(--text-base); color: var(--color-text-heading); background: var(--color-surface); transition: all 0.2s; outline: none; }
  input.has-prefix { padding-left: 28px; }
  input:focus, select:focus { border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(0, 40, 104, 0.1); }
  select { cursor: pointer; appearance: none; background-image: url('data:image/svg+xml;charset=US-ASCII,%3Csvg%20width%3D%2212%22%20height%3D%2212%22%20viewBox%3D%220%200%2024%2024%22%20fill%3D%22none%22%20stroke%3D%22%235F6368%22%20stroke-width%3D%222%22%20stroke-linecap%3D%22round%22%20stroke-linejoin%3D%22round%22%3E%3Cpolyline%20points%3D%226%209%2012%2015%2018%209%22%3E%3C%2Fpolyline%3E%3C%2Fsvg%3E'); background-repeat: no-repeat; background-position: right 12px center; padding-right: 32px; }

  /* ── CHIPS ── */
  .chip-group { display: flex; flex-wrap: wrap; gap: 8px; }
  .chip-btn { background: var(--color-bg); border: 1px solid var(--color-border); padding: 8px 14px; border-radius: 99px; font-size: var(--text-xs); font-family: var(--font-heading); font-weight: 600; color: var(--color-text); cursor: pointer; transition: all 0.2s; }
  .chip-btn:hover { border-color: var(--color-text-muted); }
  .chip-btn.active { background: var(--color-primary); color: #fff; border-color: var(--color-primary); }

  /* ── BUTTONS ── */
  .btn-primary { width: 100%; background: var(--color-primary); color: #fff; padding: 12px 20px; font-family: var(--font-heading); font-weight: 700; font-size: var(--text-base); border-radius: var(--radius-md); cursor: pointer; transition: all 0.2s; border: none; display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: var(--space-4); }
  .btn-primary:hover { background: var(--color-primary-hover); transform: translateY(-1px); box-shadow: var(--shadow-md); }
  .btn-secondary { background: var(--color-bg); color: var(--color-text-heading); border: 1px solid var(--color-border); padding: 8px 16px; font-family: var(--font-heading); font-weight: 600; font-size: var(--text-sm); border-radius: var(--radius-md); cursor: pointer; transition: all 0.2s; }
  .btn-secondary:hover { background: var(--color-border); }
  .add-state-btn { background: transparent; color: var(--color-info); border: 1px dashed var(--color-info); padding: 8px 16px; font-family: var(--font-base); font-size: var(--text-sm); font-weight: 600; border-radius: var(--radius-md); cursor: pointer; display: flex; align-items: center; gap: 6px; width: 100%; justify-content: center; margin-top: 8px; transition: all 0.2s; }
  .add-state-btn:hover { background: var(--color-info-light); }

  /* ── RESULTS PANEL ── */
  .result-hidden { display: none !important; }
  .no-tax-banner { text-align: center; padding: var(--space-5) 0; }
  .no-tax-icon { width: 56px; height: 56px; background: var(--color-success-light); color: var(--color-success); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto var(--space-3); }
  
  .result-main { text-align: center; background: linear-gradient(135deg, var(--brand-navy-dark), var(--brand-navy)); color: #fff; padding: var(--space-5); border-radius: var(--radius-lg); margin-bottom: var(--space-4); box-shadow: var(--shadow-md); }
  .result-label { font-family: var(--font-heading); font-size: var(--text-xs); text-transform: uppercase; letter-spacing: 0.5px; opacity: 0.8; margin-bottom: 4px; }
  .result-total { font-family: var(--font-heading); font-size: 2.5rem; font-weight: 900; line-height: 1.1; margin-bottom: 4px; color: #93c5fd; }
  .result-sub { font-size: var(--text-sm); opacity: 0.9; display: flex; align-items: center; justify-content: center; gap: 8px; }
  
  .status-badge { background: rgba(255,255,255,0.2); padding: 2px 8px; border-radius: 4px; font-size: 0.7rem; font-weight: 700; text-transform: uppercase; }
  
  .result-rows { display: flex; flex-direction: column; gap: 1px; background: var(--color-divider); border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; margin-bottom: var(--space-4); }
  .result-row { display: flex; justify-content: space-between; padding: 12px 16px; background: var(--color-surface); font-size: var(--text-sm); }
  .result-row.highlight { background: var(--color-info-light); font-weight: 600; color: var(--color-primary); }
  .rr-label { color: var(--color-text-muted); }
  .result-row.highlight .rr-label { color: var(--color-primary); }
  .rr-val { font-family: var(--font-heading); font-weight: 700; color: var(--color-text-heading); }

  /* ── INFO BOXES ── */
  .info-box { padding: 12px 16px; border-radius: var(--radius-md); font-size: var(--text-sm); line-height: 1.5; margin-bottom: var(--space-4); border-left: 4px solid; }
  .info-box.success { background: var(--color-success-light); border-left-color: var(--color-success); color: #065f46; }
  .info-box.warn { background: var(--color-warning-light); border-left-color: var(--color-warning); color: #92400e; }
  .info-box.tip { background: var(--color-info-light); border-left-color: var(--color-info); color: #1e40af; }
  .info-box.gold { background: #fef08a; border-left-color: #ca8a04; color: #854d0e; }

  /* ── TABLES ── */
  .breakdown-table, .comp-table { width: 100%; border-collapse: collapse; font-size: var(--text-sm); text-align: left; }
  .breakdown-table th, .comp-table th { background: var(--color-bg); font-family: var(--font-heading); font-size: var(--text-xs); color: var(--color-text-muted); text-transform: uppercase; padding: 10px; border-bottom: 2px solid var(--color-border); }
  .breakdown-table td, .comp-table td { padding: 12px 10px; border-bottom: 1px solid var(--color-border); color: var(--color-text-heading); }
  .breakdown-table td:last-child, .breakdown-table th:last-child { text-align: right; font-family: var(--font-heading); font-weight: 600; }
  .comp-table tr.highlight-row td { background: var(--color-info-light); font-weight: 600; color: var(--color-primary); }
  .comp-table tr.zero-row td { color: var(--color-text-faint); }
  
  /* ── EXPORT ROW ── */
  .export-row { display: flex; gap: 8px; margin-top: var(--space-4); border-top: 1px solid var(--color-divider); padding-top: var(--space-4); flex-wrap: wrap; }
  .export-btn { flex: 1; background: #fff; border: 1px solid var(--color-border); color: var(--color-text-heading); font-family: var(--font-heading); font-size: var(--text-xs); font-weight: 700; padding: 10px; border-radius: var(--radius-md); cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 6px; transition: all 0.2s; }
  .export-btn:hover { background: var(--color-bg); border-color: var(--color-text-muted); }

  /* ── SPLIT SLIDER ── */
  .split-wrap { padding: 10px 0; }
  input[type=range] { -webkit-appearance: none; width: 100%; height: 8px; background: var(--color-surface-offset); border-radius: 4px; outline: none; border: 1px solid var(--color-border); margin-bottom: 12px; }
  input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--color-primary); cursor: pointer; border: 2px solid #fff; box-shadow: var(--shadow-sm); }
  .split-labels { display: flex; justify-content: space-between; font-size: var(--text-sm); color: var(--color-text-muted); }
  .split-labels strong { color: var(--color-primary); font-family: var(--font-heading); font-size: 1.1rem; }

  /* ── MULTI-STATE ROWS ── */
  .ms-row { display: grid; grid-template-columns: 1fr 1fr auto; gap: 12px; align-items: end; background: var(--color-bg); padding: 12px; border-radius: var(--radius-md); margin-bottom: 8px; border: 1px solid var(--color-border); }
  .ms-del-btn { background: #fff; border: 1px solid var(--color-border); color: var(--color-danger); width: 42px; height: 42px; border-radius: var(--radius-md); cursor: pointer; display: flex; align-items: center; justify-content: center; transition: all 0.2s; }
  .ms-del-btn:hover { background: var(--color-danger-light); border-color: var(--color-danger); }
  
  /* Fix table wrappers for mobile */
  @media screen and (max-width: 768px) {
    .card { overflow: hidden; }
    .comp-table, .breakdown-table { display: block; width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }
  }

/* ── SECTION WRAPPER ── */
#ltt-disclaimer-transparency {
  background: var(--color-bg, #F7F9FC);
  padding: 3.5rem 0 2rem;
  margin-top: 3rem;
  border-top: 3px solid var(--brand-navy, #002868);
}

#ltt-disclaimer-transparency .dt-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* ── SECTION HEADER ── */
.dt-section-header {
  text-align: center;
  margin-bottom: 2.5rem;
}

.dt-section-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(0,40,104,0.08);
  border: 1px solid rgba(0,40,104,0.2);
  color: var(--brand-navy, #002868);
  padding: 4px 14px;
  border-radius: 99px;
  font-size: 0.72rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  letter-spacing: 0.5px;
  margin-bottom: 0.75rem;
}

.dt-section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  color: var(--brand-navy, #002868);
  margin: 0 0 0.5rem 0;
  line-height: 1.25;
}

.dt-section-subtitle {
  font-size: 0.95rem;
  color: var(--color-text-muted, #80868B);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ── TWO-COLUMN LAYOUT ── */
.dt-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

@media (max-width: 900px) {
  .dt-grid { grid-template-columns: 1fr; }
}

/* ── CARD BASE ── */
.dt-card {
  background: var(--color-surface, #FFFFFF);
  border-radius: var(--radius-lg, 12px);
  border: 1px solid var(--color-border, #E0E4E8);
  box-shadow: var(--shadow-md, 0 4px 12px rgba(29,29,31,0.08));
  overflow: hidden;
  transition: box-shadow 0.2s;
}

.dt-card:hover {
  box-shadow: 0 6px 20px rgba(0,40,104,0.10);
}

/* ── CARD HEADER BAND ── */
.dt-card-head {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 1rem 1.25rem;
  border-bottom: 1px solid var(--color-divider, #E0E4E8);
}

.dt-card-head-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.dt-card-head-icon.warn   { background: #FEF3C7; color: #D97706; }
.dt-card-head-icon.navy   { background: #E8F0FE; color: #002868; }
.dt-card-head-icon.green  { background: #E6F4EA; color: #00875A; }
.dt-card-head-icon.red    { background: #FCE8E6; color: #BF0A30; }

.dt-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--brand-navy, #002868);
  margin: 0;
}

/* ── CARD BODY ── */
.dt-card-body {
  padding: 1.25rem;
}

.dt-card-body p {
  font-size: 0.88rem;
  line-height: 1.75;
  color: var(--color-text, #5F6368);
  margin: 0 0 0.85rem 0;
}

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

.dt-card-body strong {
  color: var(--color-text-heading, #1D1D1F);
  font-weight: 600;
}

/* ── BULLET LIST ── */
.dt-list {
  list-style: none;
  padding: 0;
  margin: 0 0 0.85rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.dt-list li {
  font-size: 0.875rem;
  color: var(--color-text, #5F6368);
  line-height: 1.6;
  padding-left: 1.4rem;
  position: relative;
}

.dt-list li::before {
  content: "›";
  position: absolute;
  left: 0;
  color: var(--brand-navy, #002868);
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.4;
}

.dt-list li.check::before { content: "✓"; color: #00875A; font-size: 0.85rem; }
.dt-list li.cross::before { content: "✕"; color: #BF0A30; font-size: 0.85rem; }

/* ── INLINE INFO BOX ── */
.dt-infobox {
  padding: 0.8rem 1rem;
  border-radius: 8px;
  font-size: 0.85rem;
  line-height: 1.6;
  border-left: 4px solid;
  margin: 0.75rem 0 0;
}

.dt-infobox.warn  { background: #FEF3C7; border-color: #D97706; color: #92400E; }
.dt-infobox.tip   { background: #E8F0FE; border-color: #0056D2; color: #1E3A5F; }
.dt-infobox.green { background: #E6F4EA; border-color: #00875A; color: #065F46; }
.dt-infobox.gold  { background: #fef08a; border-color: #ca8a04; color: #854d0e; }

.dt-infobox strong { font-weight: 700; display: block; margin-bottom: 3px; }

/* ── TRUST BADGES ROW ── */
.dt-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 0.9rem;
}

.dt-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--color-bg, #F7F9FC);
  border: 1px solid var(--color-border, #E0E4E8);
  border-radius: 99px;
  padding: 5px 12px;
  font-size: 0.75rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: var(--brand-navy, #002868);
}

.dt-trust-badge .chk { color: #00875A; font-size: 0.85rem; }

/* ── FULL-WIDTH CARDS ── */
.dt-full-card {
  background: var(--color-surface, #FFFFFF);
  border-radius: var(--radius-lg, 12px);
  border: 1px solid var(--color-border, #E0E4E8);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  margin-bottom: 1.5rem;
}

/* ── GOV LINKS SECTION ── */
.dt-gov-head {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 1rem 1.25rem;
  background: linear-gradient(135deg, var(--brand-navy-dark, #00183F) 0%, var(--brand-navy, #002868) 100%);
  color: #fff;
  border-bottom: none;
}

.dt-gov-head-icon {
  width: 34px;
  height: 34px;
  background: rgba(255,255,255,0.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.dt-gov-head h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  margin: 0;
  color: #fff;
}

.dt-gov-head p {
  font-size: 0.8rem;
  opacity: 0.85;
  margin: 2px 0 0 0;
}

.dt-gov-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1px;
  background: var(--color-divider, #E0E4E8);
  border-top: 1px solid var(--color-divider, #E0E4E8);
}

.dt-gov-cell {
  background: var(--color-surface, #FFFFFF);
  padding: 1.1rem 1.25rem;
  transition: background 0.15s;
}

.dt-gov-cell:hover { background: #F7F9FC; }

.dt-gov-link {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  text-decoration: none;
  color: inherit;
}

.dt-gov-icon-wrap {
  width: 40px;
  height: 40px;
  background: #E8F0FE;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.25rem;
  transition: background 0.2s;
}

.dt-gov-cell:hover .dt-gov-icon-wrap { background: #002868; color: #fff; }

.dt-gov-info { flex: 1; }

.dt-gov-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--brand-navy, #002868);
  margin: 0 0 2px 0;
  display: flex;
  align-items: center;
  gap: 6px;
}

.dt-gov-name .ext-arrow {
  font-size: 0.7rem;
  color: var(--color-text-muted, #80868B);
  transition: transform 0.2s;
}

.dt-gov-cell:hover .dt-gov-name .ext-arrow { transform: translate(2px, -2px); }

.dt-gov-desc {
  font-size: 0.8rem;
  color: var(--color-text-muted, #80868B);
  margin: 0 0 0.4rem 0;
  line-height: 1.4;
}

.dt-gov-tag {
  display: inline-block;
  background: #E6F4EA;
  color: #00875A;
  border: 1px solid #00875A;
  border-radius: 99px;
  font-size: 0.68rem;
  font-weight: 700;
  padding: 2px 8px;
  font-family: 'Montserrat', sans-serif;
}

.dt-gov-tag.blue {
  background: #E8F0FE;
  color: #002868;
  border-color: #002868;
}

.dt-gov-tag.gold {
  background: #fef08a;
  color: #854d0e;
  border-color: #ca8a04;
}

/* ── EDITORIAL DISCLAIMER ROW ── */
.dt-meta-bar {
  background: var(--color-bg, #F7F9FC);
  border: 1px solid var(--color-border, #E0E4E8);
  border-radius: var(--radius-lg, 12px);
  padding: 1rem 1.25rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 2rem;
  align-items: center;
  margin-bottom: 1.5rem;
  font-size: 0.8rem;
  color: var(--color-text-muted, #80868B);
}

.dt-meta-bar strong { color: var(--color-text-heading, #1D1D1F); }

.dt-meta-bar span { display: flex; align-items: center; gap: 5px; }

/* ── TRANSPARENCY CARD ── */
.dt-transparency {
  background: linear-gradient(135deg, #002868 0%, #00183F 100%);
  border-radius: var(--radius-lg, 12px);
  padding: 2rem;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.5rem;
  align-items: start;
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-md);
}

@media (max-width: 640px) {
  .dt-transparency { grid-template-columns: 1fr; text-align: center; }
}

.dt-trans-badge {
  width: 80px;
  height: 80px;
  background: rgba(255,255,255,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 2px solid rgba(255,255,255,0.25);
}

.dt-trans-badge span {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.6rem;
  color: #93c5fd;
  letter-spacing: 1px;
  line-height: 1;
}

.dt-trans-content { color: #fff; }

.dt-trans-content h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.6rem 0;
}

.dt-trans-content p {
  font-size: 0.88rem;
  opacity: 0.88;
  line-height: 1.7;
  margin: 0 0 1rem 0;
}

.dt-trans-features {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.dt-trans-chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 99px;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  color: #fff;
  white-space: nowrap;
}

.dt-trans-chip .ck { color: #6EE7B7; }

/* ── FOOTER BAR ── */
.dt-footer-bar {
  background: var(--color-surface, #FFFFFF);
  border: 1px solid var(--color-border, #E0E4E8);
  border-radius: var(--radius-lg, 12px);
  padding: 1rem 1.25rem;
  text-align: center;
  font-size: 0.8rem;
  color: var(--color-text-muted, #80868B);
  line-height: 1.7;
}

.dt-footer-bar a {
  color: var(--brand-navy, #002868);
  font-weight: 600;
  text-decoration: none;
}

.dt-footer-bar a:hover { text-decoration: underline; }

/* ── RESPONSIVE ── */
@media (max-width: 640px) {
  #ltt-disclaimer-transparency { padding: 2.5rem 0 1.5rem; }
  .dt-gov-grid { grid-template-columns: 1fr; }
  .dt-meta-bar { flex-direction: column; gap: 0.5rem; align-items: flex-start; }
}
/* ============================================================
   BASE — same as calculator file
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: var(--font-base);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  font-size: var(--text-base);
  -webkit-font-smoothing: antialiased;
}
h1,h2,h3,h4,h5 { font-family: var(--font-heading); color: var(--color-text-heading); font-weight: 700; line-height: 1.3; }
p { line-height: 1.75; }
a { color: var(--color-info); text-decoration: none; }
a:hover { text-decoration: underline; }

/* page wrap */
.page-wrap { max-width: 1200px; margin: 0 auto 4rem; padding: 0 1rem; }

/* ---- CARD (native from calculator) ---- */
.card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--color-border);
}
.card + .card { margin-top: var(--space-5); }

.card-title {
  display: flex; align-items: center; gap: 10px;
  font-size: 1.15rem;
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 1px solid var(--color-divider);
  color: var(--color-primary);
}
.card-title svg {
  background: var(--color-info-light);
  color: var(--color-primary);
  width: 32px; height: 32px;
  padding: 6px;
  border-radius: 8px;
  flex-shrink: 0;
}

/* ---- INFO BOX (native) ---- */
.info-box {
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  line-height: 1.6;
  border-left: 4px solid;
}
.info-box.tip     { background: var(--color-info-light);    border-left-color: var(--color-info);    color: #1e40af; }
.info-box.warn    { background: var(--color-warning-light); border-left-color: var(--color-warning); color: #92400e; }
.info-box.success { background: var(--color-success-light); border-left-color: var(--color-success); color: #065f46; }
.info-box.danger  { background: var(--color-danger-light);  border-left-color: var(--color-danger);  color: #7f1d1d; }

/* ---- RESULT ROWS (native) ---- */
.result-rows {
  display: flex; flex-direction: column; gap: 1px;
  background: var(--color-divider);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.result-row {
  display: flex; justify-content: space-between;
  padding: 12px 16px;
  background: var(--color-surface);
  font-size: var(--text-sm);
}
.result-row.highlight { background: var(--color-info-light); font-weight: 600; color: var(--color-primary); }
.rr-label { color: var(--color-text-muted); }
.result-row.highlight .rr-label { color: var(--color-primary); }
.rr-val { font-family: var(--font-heading); font-weight: 700; color: var(--color-text-heading); }

/* ---- COMP TABLE (native) ---- */
.comp-table { width: 100%; border-collapse: collapse; font-size: var(--text-sm); text-align: left; }
.comp-table th {
  background: var(--color-bg);
  font-family: var(--font-heading); font-size: var(--text-xs);
  color: var(--color-text-muted); text-transform: uppercase;
  padding: 10px; border-bottom: 2px solid var(--color-border);
  white-space: nowrap;
}
.comp-table td { padding: 12px 10px; border-bottom: 1px solid var(--color-border); color: var(--color-text-heading); }
.comp-table tr:last-child td { border-bottom: none; }
.comp-table tr.highlight-row td { background: var(--color-info-light); font-weight: 600; color: var(--color-primary); }
.comp-table tr.zero-row td { color: var(--color-text-faint); }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius-md); }

/* ---- HERO STRIP (section-level, matches calculator .hero aesthetic) ---- */
.section-hero {
  background: linear-gradient(135deg, var(--brand-navy-dark) 0%, var(--brand-navy) 100%);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  padding: 24px var(--space-5);
  display: flex; align-items: center; gap: 16px;
  position: relative; overflow: hidden;
}
.section-hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.section-hero-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.22);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; position: relative; z-index: 1;
}
.section-hero-copy { position: relative; z-index: 1; }
.section-hero-copy h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.05rem, 2.5vw, 1.3rem);
  font-weight: 800; color: #fff; margin: 0 0 4px;
}
.section-hero-copy p { font-size: var(--text-sm); color: rgba(255,255,255,.72); margin: 0; }

.section-body {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-top: none;
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  padding: var(--space-5);
}

/* ---- STEP CARDS (4-col auto-fit grid) ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
}
.step-card {
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  display: flex; flex-direction: column; gap: 10px;
}
.step-card.blue   { background: var(--color-info-light); }
.step-card.green  { background: var(--color-success-light); }
.step-card.amber  { background: var(--color-warning-light); }
.step-card.purple { background: #F3F0FF; }

.step-header { display: flex; align-items: center; gap: 9px; }
.step-num {
  width: 28px; height: 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 0.78rem; font-weight: 900;
  color: #fff; flex-shrink: 0;
}
.step-card.blue   .step-num   { background: var(--color-info); }
.step-card.green  .step-num   { background: var(--color-success); }
.step-card.amber  .step-num   { background: var(--color-warning); }
.step-card.purple .step-num   { background: #7C3AED; }
.step-title {
  font-family: var(--font-heading); font-weight: 800;
  font-size: 0.86rem;
}
.step-card.blue   .step-title { color: var(--color-info); }
.step-card.green  .step-title { color: #065f46; }
.step-card.amber  .step-title { color: #92400e; }
.step-card.purple .step-title { color: #4C1D95; }
.step-text { font-size: var(--text-sm); line-height: 1.65; margin: 0; }
.step-card.blue   .step-text { color: #1e40af; }
.step-card.green  .step-text { color: #065f46; }
.step-card.amber  .step-text { color: #78350F; }
.step-card.purple .step-text { color: #3B0764; }

/* ---- 2-col / 3-col feature grids ---- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-4); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-4); }

/* ---- Section sub-heading ---- */
.sub-heading {
  display: flex; align-items: center; gap: 8px;
  font-family: var(--font-heading); font-size: 0.7rem; font-weight: 800;
  letter-spacing: .08em; text-transform: uppercase;
  color: var(--color-primary);
  padding-bottom: 10px; margin-bottom: var(--space-4);
  border-bottom: 2px solid var(--color-border);
}

/* ---- Feature card (icon + title + text) ---- */
.feat-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
}
.feat-icon-wrap {
  width: 38px; height: 38px; border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; margin-bottom: 10px;
  background: var(--color-info-light);
}
.feat-title {
  font-family: var(--font-heading); font-size: 0.86rem;
  font-weight: 800; color: var(--color-text-heading);
  margin-bottom: 6px; line-height: 1.3;
}
.feat-text { font-size: var(--text-sm); color: var(--color-text-muted); line-height: 1.65; margin: 0; }

/* ---- Tax type pill ---- */
.tax-pill {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 99px;
  padding: 5px 12px;
  font-size: var(--text-xs); font-family: var(--font-heading);
  font-weight: 700; color: var(--color-text-heading);
  white-space: nowrap;
}

/* ---- State stats banner ---- */
.stat-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
}
.stat-box {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.stat-val {
  font-family: var(--font-heading);
  font-size: 1.6rem; font-weight: 900;
  line-height: 1.1; margin-bottom: 4px;
}
.stat-val.navy   { color: var(--color-primary); }
.stat-val.green  { color: var(--color-success); }
.stat-val.red    { color: var(--color-danger); }
.stat-val.amber  { color: var(--color-warning); }
.stat-lbl { font-size: var(--text-xs); color: var(--color-text-muted); font-family: var(--font-heading); font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }

/* ---- Timeline / process strip ---- */
.timeline { display: flex; flex-direction: column; gap: 0; }
.tl-item { display: flex; gap: 16px; }
.tl-left { display: flex; flex-direction: column; align-items: center; gap: 0; }
.tl-dot {
  width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0;
  background: var(--color-primary); color: #fff;
  font-family: var(--font-heading); font-weight: 800; font-size: .8rem;
  display: flex; align-items: center; justify-content: center;
}
.tl-line { width: 2px; flex: 1; min-height: 20px; background: var(--color-border); margin: 4px auto; }
.tl-item:last-child .tl-line { display: none; }
.tl-content { padding-bottom: 22px; flex: 1; }
.tl-title { font-family: var(--font-heading); font-weight: 800; font-size: .9rem; color: var(--color-text-heading); margin-bottom: 5px; }
.tl-text { font-size: var(--text-sm); color: var(--color-text); line-height: 1.7; margin: 0; }

/* ---- Who-pays grid ---- */
.who-pays-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.who-card {
  border-radius: var(--radius-lg); padding: var(--space-4);
  border: 1px solid transparent;
}
.who-card.buyer  { background: var(--color-info-light);  border-color: rgba(0,86,210,.18); }
.who-card.seller { background: var(--color-success-light); border-color: rgba(0,135,90,.18); }
.who-card-head { font-family: var(--font-heading); font-size: .88rem; font-weight: 800; margin-bottom: 8px; }
.who-card.buyer  .who-card-head { color: var(--color-info); }
.who-card.seller .who-card-head { color: var(--color-success); }
.who-card ul { padding-left: 16px; }
.who-card ul li { font-size: var(--text-sm); line-height: 1.7; margin-bottom: 3px; }
.who-card.buyer  ul li { color: #1e3a8a; }
.who-card.seller ul li { color: #064e3b; }

/* ---- Section divider ---- */
.sec-divider { height: 1px; background: var(--color-border); margin: var(--space-5) 0; }

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */
@media (max-width: 900px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-3     { grid-template-columns: repeat(2, 1fr); }
  .stat-row   { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .steps-grid    { grid-template-columns: 1fr; }
  .grid-2        { grid-template-columns: 1fr; }
  .grid-3        { grid-template-columns: 1fr; }
  .stat-row      { grid-template-columns: repeat(2, 1fr); }
  .who-pays-grid { grid-template-columns: 1fr; }
  .section-hero  { flex-direction: column; align-items: flex-start; gap: 10px; padding: 18px var(--space-4); }
  .section-body  { padding: var(--space-4); }
  .card          { padding: var(--space-4); }
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--font-base);color:var(--color-text);background:var(--color-bg);line-height:1.6;font-size:var(--text-base);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--font-heading);color:var(--color-text-heading);font-weight:700;line-height:1.3}
p{line-height:1.75}
.page-wrap{max-width:1200px;margin:0 auto 4rem;padding:0 1rem}

/* ── native card ── */
.card{background:var(--color-surface);border-radius:var(--radius-lg);padding:var(--space-5);box-shadow:var(--shadow-md);border:1px solid var(--color-border)}
.card-title{display:flex;align-items:center;gap:10px;font-size:1.15rem;margin-bottom:var(--space-4);padding-bottom:var(--space-3);border-bottom:1px solid var(--color-divider);color:var(--color-primary)}
.card-title svg{background:var(--color-info-light);color:var(--color-primary);width:32px;height:32px;padding:6px;border-radius:8px;flex-shrink:0}

/* ── native info-box ── */
.info-box{padding:12px 16px;border-radius:var(--radius-md);font-size:var(--text-sm);line-height:1.65;border-left:4px solid}
.info-box.tip    {background:var(--color-info-light);   border-left-color:var(--color-info);   color:#1e40af}
.info-box.warn   {background:var(--color-warning-light);border-left-color:var(--color-warning);color:#92400e}
.info-box.success{background:var(--color-success-light);border-left-color:var(--color-success);color:#065f46}
.info-box.danger {background:var(--color-danger-light); border-left-color:var(--color-danger); color:#7f1d1d}

/* ── native result-rows ── */
.result-rows{display:flex;flex-direction:column;gap:1px;background:var(--color-divider);border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden}
.result-row{display:flex;justify-content:space-between;padding:12px 16px;background:var(--color-surface);font-size:var(--text-sm)}
.result-row.highlight{background:var(--color-info-light);font-weight:600;color:var(--color-primary)}
.result-row.total{background:linear-gradient(135deg,var(--brand-navy-dark),var(--brand-navy));color:#fff}
.result-row.total .rr-label{color:rgba(255,255,255,.8);font-family:var(--font-heading);font-weight:700}
.result-row.total .rr-val{color:#93c5fd;font-family:var(--font-heading);font-size:1.05rem;font-weight:900}
.rr-label{color:var(--color-text-muted)}
.result-row.highlight .rr-label{color:var(--color-primary)}
.rr-val{font-family:var(--font-heading);font-weight:700;color:var(--color-text-heading)}

/* ── native comp-table ── */
.comp-table{width:100%;border-collapse:collapse;font-size:var(--text-sm);text-align:left}
.comp-table th{background:var(--color-bg);font-family:var(--font-heading);font-size:var(--text-xs);color:var(--color-text-muted);text-transform:uppercase;padding:10px;border-bottom:2px solid var(--color-border);white-space:nowrap}
.comp-table td{padding:12px 10px;border-bottom:1px solid var(--color-border);color:var(--color-text-heading)}
.comp-table tr:last-child td{border-bottom:none}
.comp-table tr.highlight-row td{background:var(--color-info-light);font-weight:600;color:var(--color-primary)}
.comp-table tr.total-row td{background:linear-gradient(135deg,var(--brand-navy-dark),var(--brand-navy));color:#fff;font-family:var(--font-heading);font-weight:700}
.comp-table tr.zero-row td{color:var(--color-text-faint)}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius-md)}

/* ── section hero strip ── */
.section-hero{background:linear-gradient(135deg,var(--brand-navy-dark) 0%,var(--brand-navy) 100%);border-radius:var(--radius-lg) var(--radius-lg) 0 0;padding:24px var(--space-5);display:flex;align-items:center;gap:16px;position:relative;overflow:hidden}
.section-hero::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
.section-hero-icon{width:48px;height:48px;flex-shrink:0;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:1.4rem;position:relative;z-index:1}
.section-hero-copy{position:relative;z-index:1}
.section-hero-copy h2{font-family:var(--font-heading);font-size:clamp(1.05rem,2.5vw,1.3rem);font-weight:800;color:#fff;margin:0 0 4px}
.section-hero-copy p{font-size:var(--text-sm);color:rgba(255,255,255,.72);margin:0}
.section-body{background:var(--color-surface);border:1px solid var(--color-border);border-top:none;border-radius:0 0 var(--radius-lg) var(--radius-lg);padding:var(--space-5)}

/* ── sub-heading ── */
.sub-heading{display:flex;align-items:center;gap:8px;font-family:var(--font-heading);font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--color-primary);padding-bottom:10px;margin-bottom:var(--space-4);border-bottom:2px solid var(--color-border)}

/* ── example card wrapper ── */
.example-wrap{border:1px solid var(--color-border);border-radius:var(--radius-lg);overflow:hidden;margin-bottom:var(--space-5)}
.example-wrap:last-of-type{margin-bottom:0}

/* example header band */
.ex-header{padding:16px var(--space-5);display:flex;align-items:flex-start;gap:14px;flex-wrap:wrap}
.ex-num{font-family:var(--font-heading);font-size:.68rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:99px;white-space:nowrap;flex-shrink:0;margin-top:2px}
.ex-meta h3{font-family:var(--font-heading);font-size:1rem;font-weight:800;color:var(--color-text-heading);margin:0 0 4px}
.ex-meta p{font-size:var(--text-sm);color:var(--color-text-muted);margin:0}

/* stat chips row */
.ex-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;padding:0 var(--space-5) var(--space-4)}
.ex-stat{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:12px 10px;text-align:center;box-shadow:var(--shadow-sm)}
.ex-stat-val{font-family:var(--font-heading);font-size:1.15rem;font-weight:900;line-height:1.1;margin-bottom:3px}
.ex-stat-lbl{font-size:var(--text-xs);color:var(--color-text-muted);font-family:var(--font-heading);font-weight:700;text-transform:uppercase;letter-spacing:.04em}

/* breakdown + narrative two-col */
.ex-body{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4);padding:0 var(--space-5) var(--space-5)}
.ex-narrative{font-size:var(--text-sm);color:var(--color-text);line-height:1.75}
.ex-narrative strong{color:var(--color-text-heading)}

/* takeaway strip */
.ex-takeaway{padding:14px var(--space-5);border-top:1px solid var(--color-border);background:var(--color-bg);font-size:var(--text-sm)}

/* comparison table at bottom */
.comparison-section{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:var(--space-5);margin-top:var(--space-5)}

/* color schemes per example */
.ex-1 .ex-header{background:#EFF6FF}
.ex-1 .ex-num{background:var(--color-info-light);color:var(--color-info)}
.ex-1 .ex-stat-val{color:var(--color-info)}

.ex-2 .ex-header{background:#FCE8E6}
.ex-2 .ex-num{background:var(--color-danger-light);color:var(--color-danger)}
.ex-2 .ex-stat-val{color:var(--color-danger)}

.ex-3 .ex-header{background:var(--color-success-light)}
.ex-3 .ex-num{background:#D1FAE5;color:#065f46}
.ex-3 .ex-stat-val{color:var(--color-success)}

.ex-4 .ex-header{background:#F3F0FF}
.ex-4 .ex-num{background:#EDE9FE;color:#5B21B6}
.ex-4 .ex-stat-val{color:#7C3AED}

.ex-5 .ex-header{background:var(--color-warning-light)}
.ex-5 .ex-num{background:#FEF3C7;color:#92400e}
.ex-5 .ex-stat-val{color:var(--color-warning)}

/* ── mobile ── */
@media(max-width:900px){.ex-body{grid-template-columns:1fr}.ex-stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){
  .section-hero{flex-direction:column;align-items:flex-start;gap:10px;padding:18px var(--space-4)}
  .section-body{padding:var(--space-4)}
  .ex-header{padding:14px var(--space-4)}
  .ex-stats{padding:0 var(--space-4) var(--space-4)}
  .ex-body{padding:0 var(--space-4) var(--space-4)}
  .ex-takeaway{padding:12px var(--space-4)}
  .comparison-section{padding:var(--space-4)}
}


/* ── SECTION WRAPPER ── */
#ltt-pro-tips {
  background: var(--color-bg, #F7F9FC);
  padding: 4rem 0 3rem;
  margin-top: 3rem;
}

.pt-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* ── SECTION HEADER ── */
.pt-header {
  text-align: center;
  margin-bottom: 3rem;
}

.pt-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: linear-gradient(135deg, #002868, #0056D2);
  color: #fff;
  padding: 5px 16px;
  border-radius: 99px;
  font-size: 0.72rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  letter-spacing: 0.6px;
  margin-bottom: 1rem;
  box-shadow: 0 3px 10px rgba(0,40,104,0.25);
}

.pt-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.6rem, 3.5vw, 2.2rem);
  font-weight: 800;
  color: var(--brand-navy, #002868);
  margin: 0 0 0.6rem 0;
  line-height: 1.2;
}

.pt-title em {
  font-style: normal;
  color: var(--brand-red, #BF0A30);
}

.pt-subtitle {
  font-size: 1rem;
  color: var(--color-text-muted, #80868B);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ── TIPS GRID ── */
.pt-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}

@media (max-width: 760px) {
  .pt-grid { grid-template-columns: 1fr; }
}

/* ── TIP CARD ── */
.pt-card {
  background: var(--color-surface, #FFFFFF);
  border-radius: var(--radius-lg, 12px);
  border: 1px solid var(--color-border, #E0E4E8);
  box-shadow: var(--shadow-md, 0 4px 12px rgba(29,29,31,0.08));
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  position: relative;
}

.pt-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0,40,104,0.13);
}

/* ── TIP NUMBER STRIPE ── */
.pt-card-stripe {
  height: 5px;
  width: 100%;
}

/* ── TIP CARD HEADER ── */
.pt-card-head {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.4rem 1.4rem 0.75rem;
}

.pt-number-badge {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.3rem;
  flex-shrink: 0;
  line-height: 1;
}

.pt-card-meta { flex: 1; }

.pt-tip-label {
  font-size: 0.7rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 3px;
}

.pt-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--brand-navy, #002868);
  margin: 0;
  line-height: 1.3;
}

/* ── CARD BODY ── */
.pt-card-body {
  padding: 0 1.4rem 1.4rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.pt-lead {
  font-size: 0.9rem;
  color: var(--color-text, #5F6368);
  line-height: 1.75;
  margin: 0.75rem 0 0.9rem;
}

.pt-lead strong {
  color: var(--color-text-heading, #1D1D1F);
  font-weight: 600;
}

/* ── STRATEGY STEPS ── */
.pt-steps {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  margin: 0 0 0.9rem 0;
}

.pt-step {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.86rem;
  color: var(--color-text, #5F6368);
  line-height: 1.55;
}

.pt-step-dot {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
  font-family: 'Montserrat', sans-serif;
}

.pt-step strong {
  color: var(--color-text-heading, #1D1D1F);
  font-weight: 600;
}

/* ── SAVINGS HIGHLIGHT BOX ── */
.pt-savings-box {
  border-radius: 8px;
  padding: 0.85rem 1rem;
  font-size: 0.84rem;
  line-height: 1.6;
  margin: 0.5rem 0;
  border-left: 3px solid;
}

.pt-savings-box .pt-savings-label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.3px;
  display: block;
  margin-bottom: 3px;
}

/* ── COLOR THEMES PER TIP ── */

/* Tip 1 — Navy Blue */
.pt-card[data-tip="1"] .pt-card-stripe  { background: linear-gradient(90deg, #002868, #0056D2); }
.pt-card[data-tip="1"] .pt-number-badge { background: #E8F0FE; color: #002868; }
.pt-card[data-tip="1"] .pt-tip-label    { color: #0056D2; }
.pt-card[data-tip="1"] .pt-step-dot     { background: #E8F0FE; color: #002868; }
.pt-card[data-tip="1"] .pt-savings-box  { background: #E8F0FE; border-color: #0056D2; color: #1E3A5F; }
.pt-card[data-tip="1"] .pt-savings-box .pt-savings-label { color: #002868; }

/* Tip 2 — Green */
.pt-card[data-tip="2"] .pt-card-stripe  { background: linear-gradient(90deg, #00875A, #10b981); }
.pt-card[data-tip="2"] .pt-number-badge { background: #E6F4EA; color: #00875A; }
.pt-card[data-tip="2"] .pt-tip-label    { color: #00875A; }
.pt-card[data-tip="2"] .pt-step-dot     { background: #E6F4EA; color: #00875A; }
.pt-card[data-tip="2"] .pt-savings-box  { background: #E6F4EA; border-color: #00875A; color: #065F46; }
.pt-card[data-tip="2"] .pt-savings-box .pt-savings-label { color: #00875A; }

/* Tip 3 — Red */
.pt-card[data-tip="3"] .pt-card-stripe  { background: linear-gradient(90deg, #BF0A30, #E53E3E); }
.pt-card[data-tip="3"] .pt-number-badge { background: #FCE8E6; color: #BF0A30; }
.pt-card[data-tip="3"] .pt-tip-label    { color: #BF0A30; }
.pt-card[data-tip="3"] .pt-step-dot     { background: #FCE8E6; color: #BF0A30; }
.pt-card[data-tip="3"] .pt-savings-box  { background: #FCE8E6; border-color: #BF0A30; color: #7F1D1D; }
.pt-card[data-tip="3"] .pt-savings-box .pt-savings-label { color: #BF0A30; }

/* Tip 4 — Amber */
.pt-card[data-tip="4"] .pt-card-stripe  { background: linear-gradient(90deg, #D97706, #F59E0B); }
.pt-card[data-tip="4"] .pt-number-badge { background: #FEF3C7; color: #92400E; }
.pt-card[data-tip="4"] .pt-tip-label    { color: #D97706; }
.pt-card[data-tip="4"] .pt-step-dot     { background: #FEF3C7; color: #92400E; }
.pt-card[data-tip="4"] .pt-savings-box  { background: #FEF9C3; border-color: #D97706; color: #78350F; }
.pt-card[data-tip="4"] .pt-savings-box .pt-savings-label { color: #92400E; }

/* Tip 5 — Purple */
.pt-card[data-tip="5"] .pt-card-stripe  { background: linear-gradient(90deg, #6D28D9, #7C3AED); }
.pt-card[data-tip="5"] .pt-number-badge { background: #EDE9FE; color: #6D28D9; }
.pt-card[data-tip="5"] .pt-tip-label    { color: #6D28D9; }
.pt-card[data-tip="5"] .pt-step-dot     { background: #EDE9FE; color: #6D28D9; }
.pt-card[data-tip="5"] .pt-savings-box  { background: #EDE9FE; border-color: #6D28D9; color: #3B0764; }
.pt-card[data-tip="5"] .pt-savings-box .pt-savings-label { color: #6D28D9; }

/* ── TAGS ── */
.pt-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: auto;
  padding-top: 0.75rem;
  border-top: 1px solid var(--color-divider, #E0E4E8);
}

.pt-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 99px;
  font-size: 0.72rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  border: 1px solid;
}

.pt-tag.navy  { background:#E8F0FE; color:#002868; border-color:#002868; }
.pt-tag.green { background:#E6F4EA; color:#00875A; border-color:#00875A; }
.pt-tag.red   { background:#FCE8E6; color:#BF0A30; border-color:#BF0A30; }
.pt-tag.amber { background:#FEF3C7; color:#92400E; border-color:#D97706; }
.pt-tag.purple{ background:#EDE9FE; color:#6D28D9; border-color:#6D28D9; }

/* ── BOTTOM CTA STRIP ── */
.pt-cta-strip {
  background: linear-gradient(135deg, var(--brand-navy, #002868) 0%, #00183F 100%);
  border-radius: var(--radius-lg, 12px);
  padding: 1.75rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  box-shadow: var(--shadow-md);
}

.pt-cta-left { flex: 1 1 320px; }

.pt-cta-left h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: #fff;
  margin: 0 0 0.4rem 0;
}

.pt-cta-left p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.8);
  margin: 0;
  line-height: 1.55;
}

.pt-cta-right {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.pt-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.7rem 1.4rem;
  border-radius: var(--radius-md, 8px);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  text-decoration: none;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
}

.pt-cta-btn.primary {
  background: linear-gradient(135deg, #BF0A30, #9B0826);
  color: #fff;
  box-shadow: 0 4px 14px rgba(191,10,48,0.35);
}

.pt-cta-btn.primary:hover {
  background: linear-gradient(135deg, #9B0826, #7A0620);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(191,10,48,0.45);
}

.pt-cta-btn.secondary {
  background: rgba(255,255,255,0.12);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.3);
}

.pt-cta-btn.secondary:hover {
  background: rgba(255,255,255,0.2);
  transform: translateY(-2px);
}

/* ── STATE COMPARE TABLE (Tip 1) ── */
.pt-mini-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8rem;
  margin: 0.75rem 0 0.5rem;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid var(--color-border, #E0E4E8);
}

.pt-mini-table th {
  background: var(--brand-navy, #002868);
  color: #fff;
  padding: 7px 10px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  text-align: left;
  font-size: 0.72rem;
  letter-spacing: 0.3px;
}

.pt-mini-table td {
  padding: 7px 10px;
  border-bottom: 1px solid var(--color-border, #E0E4E8);
  color: var(--color-text-heading, #1D1D1F);
  vertical-align: top;
}

.pt-mini-table tr:last-child td { border-bottom: none; }
.pt-mini-table tr:nth-child(even) td { background: #F7F9FC; }

.pt-mini-table .badge-notax {
  display: inline-block;
  background: #E6F4EA;
  color: #00875A;
  border-radius: 99px;
  padding: 1px 7px;
  font-size: 0.68rem;
  font-weight: 700;
}

.pt-mini-table .badge-high {
  display: inline-block;
  background: #FCE8E6;
  color: #BF0A30;
  border-radius: 99px;
  padding: 1px 7px;
  font-size: 0.68rem;
  font-weight: 700;
}

.pt-mini-table .badge-mid {
  display: inline-block;
  background: #FEF3C7;
  color: #92400E;
  border-radius: 99px;
  padding: 1px 7px;
  font-size: 0.68rem;
  font-weight: 700;
}

/* ── RESPONSIVE ── */
@media (max-width: 640px) {
  #ltt-pro-tips { padding: 2.5rem 0 2rem; }
  .pt-cta-strip { flex-direction: column; text-align: center; }
  .pt-cta-right { justify-content: center; }
  .pt-card-head { gap: 0.75rem; }
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--font-base);color:var(--color-text);background:var(--color-bg);line-height:1.6;font-size:var(--text-base);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--font-heading);color:var(--color-text-heading);font-weight:700;line-height:1.3}
p{line-height:1.75}
a{color:var(--color-info);text-decoration:none}
a:hover{text-decoration:underline}
.page-wrap{max-width:1200px;margin:0 auto 4rem;padding:0 1rem}

/* ── native .card ── */
.card{background:var(--color-surface);border-radius:var(--radius-lg);padding:var(--space-5);box-shadow:var(--shadow-md);border:1px solid var(--color-border)}
.card-title{display:flex;align-items:center;gap:10px;font-size:1.15rem;margin-bottom:var(--space-4);padding-bottom:var(--space-3);border-bottom:1px solid var(--color-divider);color:var(--color-primary)}
.card-title svg{background:var(--color-info-light);color:var(--color-primary);width:32px;height:32px;padding:6px;border-radius:8px;flex-shrink:0}

/* ── native .info-box ── */
.info-box{padding:12px 16px;border-radius:var(--radius-md);font-size:var(--text-sm);line-height:1.65;border-left:4px solid}
.info-box.tip    {background:var(--color-info-light);   border-left-color:var(--color-info);   color:#1e40af}
.info-box.warn   {background:var(--color-warning-light);border-left-color:var(--color-warning);color:#92400e}
.info-box.success{background:var(--color-success-light);border-left-color:var(--color-success);color:#065f46}
.info-box.danger {background:var(--color-danger-light); border-left-color:var(--color-danger); color:#7f1d1d}
.info-box.gold   {background:#fef08a;                   border-left-color:#ca8a04;             color:#854d0e}

/* ── native .chip-btn ── */
.chip-group{display:flex;flex-wrap:wrap;gap:8px}
.chip-btn{background:var(--color-bg);border:1px solid var(--color-border);padding:8px 14px;border-radius:99px;font-size:var(--text-xs);font-family:var(--font-heading);font-weight:600;color:var(--color-text);cursor:pointer;transition:all .2s}
.chip-btn:hover{border-color:var(--color-text-muted)}
.chip-btn.active{background:var(--color-primary);color:#fff;border-color:var(--color-primary)}

/* ── section hero ── */
.section-hero{background:linear-gradient(135deg,var(--brand-navy-dark) 0%,var(--brand-navy) 100%);border-radius:var(--radius-lg) var(--radius-lg) 0 0;padding:24px var(--space-5);display:flex;align-items:center;gap:16px;position:relative;overflow:hidden}
.section-hero::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
.section-hero-icon{width:48px;height:48px;flex-shrink:0;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;font-size:1.4rem;position:relative;z-index:1}
.section-hero-copy{position:relative;z-index:1}
.section-hero-copy h2{font-family:var(--font-heading);font-size:clamp(1.05rem,2.5vw,1.3rem);font-weight:800;color:#fff;margin:0 0 4px}
.section-hero-copy p{font-size:var(--text-sm);color:rgba(255,255,255,.72);margin:0}
.section-body{background:var(--color-surface);border:1px solid var(--color-border);border-top:none;border-radius:0 0 var(--radius-lg) var(--radius-lg);padding:var(--space-5)}

/* ── sub-heading ── */
.sub-heading{display:flex;align-items:center;gap:8px;font-family:var(--font-heading);font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--color-primary);padding-bottom:10px;margin-bottom:var(--space-4);border-bottom:2px solid var(--color-border)}

/* ═══════════════════════════════════════
   FAQ ACCORDION  — fully accessible
   ═══════════════════════════════════════ */
.faq-filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:var(--space-5)}

.faq-group{display:none}
.faq-group.active{display:block}

.faq-group-title{
  display:flex;align-items:center;gap:8px;
  font-family:var(--font-heading);font-size:.72rem;font-weight:800;
  letter-spacing:.07em;text-transform:uppercase;
  color:var(--color-text-muted);
  padding:10px 0 10px;
  margin-bottom:4px;
  border-bottom:1px solid var(--color-border);
  cursor:default;
}
.faq-group-title .group-badge{
  display:inline-flex;align-items:center;justify-content:center;
  width:20px;height:20px;border-radius:50%;
  font-size:.65rem;font-weight:900;color:#fff;flex-shrink:0;
}

/* single item */
.faq-item{border-bottom:1px solid var(--color-border)}
.faq-item:last-child{border-bottom:none}

.faq-q{
  width:100%;background:none;border:none;text-align:left;
  padding:15px 4px 15px 0;
  cursor:pointer;
  display:flex;justify-content:space-between;align-items:flex-start;gap:14px;
  font-family:var(--font-heading);font-size:.9rem;font-weight:700;
  color:var(--color-text-heading);
  line-height:1.4;
  transition:color .18s;
}
.faq-q:hover{color:var(--color-primary)}
.faq-q-text{flex:1;text-align:left}

.faq-icon{
  flex-shrink:0;margin-top:2px;
  width:24px;height:24px;border-radius:50%;
  background:var(--color-bg);
  border:1.5px solid var(--color-border);
  display:flex;align-items:center;justify-content:center;
  transition:transform .22s,background .18s,border-color .18s;
  position:relative;
}
.faq-icon::before,.faq-icon::after{
  content:'';position:absolute;background:var(--color-text-muted);
  border-radius:2px;transition:transform .22s,opacity .18s;
}
.faq-icon::before{width:10px;height:2px}
.faq-icon::after {width:2px;height:10px}

.faq-item.open .faq-q{color:var(--color-primary)}
.faq-item.open .faq-icon{background:var(--color-info-light);border-color:var(--color-info);transform:rotate(45deg)}
.faq-item.open .faq-icon::before,.faq-item.open .faq-icon::after{background:var(--color-info)}

.faq-a{
  display:grid;grid-template-rows:0fr;
  transition:grid-template-rows .28s ease;
  overflow:hidden;
}
.faq-item.open .faq-a{grid-template-rows:1fr}
.faq-a-inner{
  overflow:hidden;
  font-size:var(--text-sm);color:var(--color-text);
  line-height:1.8;padding-bottom:16px;
  padding-left:0;
}
.faq-a-inner p{margin-bottom:8px}
.faq-a-inner p:last-child{margin-bottom:0}
.faq-a-inner strong{color:var(--color-text-heading)}
.faq-a-inner ul{padding-left:18px;margin:8px 0}
.faq-a-inner ul li{margin-bottom:5px;line-height:1.7}

/* callout inside FAQ answer */
.faq-callout{
  display:flex;gap:10px;align-items:flex-start;
  background:var(--color-info-light);border:1px solid rgba(0,86,210,.15);
  border-radius:var(--radius-md);padding:10px 14px;
  margin-top:10px;font-size:var(--text-xs);color:#1e40af;line-height:1.6;
}
.faq-callout.warn{background:var(--color-warning-light);border-color:rgba(217,119,6,.18);color:#92400e}
.faq-callout.success{background:var(--color-success-light);border-color:rgba(0,135,90,.18);color:#065f46}
.faq-callout-icon{font-size:1rem;flex-shrink:0;margin-top:1px}

/* result-rows reuse */
.result-rows{display:flex;flex-direction:column;gap:1px;background:var(--color-divider);border:1px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;margin:10px 0}
.result-row{display:flex;justify-content:space-between;padding:10px 14px;background:var(--color-surface);font-size:var(--text-sm)}
.result-row.highlight{background:var(--color-info-light);font-weight:600;color:var(--color-primary)}
.rr-label{color:var(--color-text-muted)}
.result-row.highlight .rr-label{color:var(--color-primary)}
.rr-val{font-family:var(--font-heading);font-weight:700;color:var(--color-text-heading)}

/* bottom CTA strip */
.faq-cta{
  display:flex;align-items:center;justify-content:space-between;
  gap:var(--space-4);flex-wrap:wrap;
  background:linear-gradient(135deg,var(--brand-navy-dark),var(--brand-navy));
  border-radius:var(--radius-lg);padding:var(--space-5);
  margin-top:var(--space-5);
}
.faq-cta-copy h3{font-family:var(--font-heading);font-size:1rem;color:#fff;margin-bottom:6px}
.faq-cta-copy p{font-size:var(--text-sm);color:rgba(255,255,255,.75);margin:0}
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--brand-white);color:var(--color-primary);padding:12px 20px;font-family:var(--font-heading);font-weight:700;font-size:var(--text-sm);border-radius:var(--radius-md);border:none;cursor:pointer;text-decoration:none;transition:all .2s;white-space:nowrap}
.btn-primary:hover{background:var(--color-bg);transform:translateY(-1px);box-shadow:0 4px 12px rgba(0,0,0,.15);text-decoration:none}

/* ── responsive ── */
@media(max-width:640px){
  .section-hero{flex-direction:column;align-items:flex-start;gap:10px;padding:18px var(--space-4)}
  .section-body{padding:var(--space-4)}
  .faq-q{font-size:.84rem;padding:13px 4px 13px 0}
  .faq-cta{flex-direction:column;align-items:flex-start}
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--font-base);color:var(--color-text);background:var(--color-bg);line-height:1.6;font-size:var(--text-base);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--font-heading);color:var(--color-text-heading);font-weight:700;line-height:1.3}
a{color:inherit;text-decoration:none}
.page-wrap{max-width:1200px;margin:0 auto 4rem;padding:0 1rem}

/* ── native .chip-btn ── */
.chip-group{display:flex;flex-wrap:wrap;gap:8px}
.chip-btn{background:var(--color-bg);border:1px solid var(--color-border);padding:8px 14px;border-radius:99px;font-size:var(--text-xs);font-family:var(--font-heading);font-weight:600;color:var(--color-text);cursor:pointer;transition:all .2s;white-space:nowrap}
.chip-btn:hover{border-color:var(--color-text-muted);color:var(--color-text-heading)}
.chip-btn.active{background:var(--color-primary);color:#fff;border-color:var(--color-primary)}

/* ══ SECTION HERO — same pattern as Examples + FAQs ══ */
.section-hero{
  background:linear-gradient(135deg,var(--brand-navy-dark) 0%,var(--brand-navy) 100%);
  border-radius:var(--radius-lg) var(--radius-lg) 0 0;
  padding:24px var(--space-5);
  display:flex;align-items:center;gap:16px;
  position:relative;overflow:hidden;
}
.section-hero::after{
  content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);
  background-size:40px 40px;pointer-events:none;
}
.section-hero-icon{
  width:48px;height:48px;flex-shrink:0;
  background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);
  border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;position:relative;z-index:1;
}
.section-hero-copy{position:relative;z-index:1;flex:1}
.section-hero-copy h2{font-family:var(--font-heading);font-size:clamp(1rem,2.5vw,1.3rem);font-weight:800;color:#fff;margin:0 0 4px}
.section-hero-copy p{font-size:var(--text-sm);color:rgba(255,255,255,.72);margin:0}
.hero-stat-row{display:flex;gap:20px;margin-top:10px;flex-wrap:wrap}
.hero-stat{display:flex;align-items:center;gap:6px;font-size:var(--text-xs);color:rgba(255,255,255,.80);font-family:var(--font-heading);font-weight:600}
.hero-stat-dot{width:6px;height:6px;border-radius:50%;background:#93c5fd;flex-shrink:0}

.section-body{
  background:var(--color-surface);border:1px solid var(--color-border);
  border-top:none;border-radius:0 0 var(--radius-lg) var(--radius-lg);
  padding:var(--space-5);
}

/* ══ FILTER BAR ══ */
.rc-filter-bar{
  display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:12px;margin-bottom:var(--space-5);
}
.rc-filter-label{
  font-family:var(--font-heading);font-size:var(--text-xs);font-weight:700;
  color:var(--color-text-muted);text-transform:uppercase;letter-spacing:.06em;
  white-space:nowrap;
}

/* ══ FEATURED "TOP PICK" banner ══ */
.rc-featured{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
  margin-bottom:var(--space-5);
}
.rc-featured-card{
  background:linear-gradient(135deg,var(--brand-navy-dark),var(--brand-navy));
  border-radius:var(--radius-lg);padding:var(--space-5);
  display:flex;flex-direction:column;gap:10px;
  position:relative;overflow:hidden;
  transition:transform .2s,box-shadow .2s;
}
.rc-featured-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px rgba(0,24,63,.22)}
.rc-featured-card::before{
  content:'⭐ TOP PICK';position:absolute;top:12px;right:12px;
  font-family:var(--font-heading);font-size:.6rem;font-weight:800;
  letter-spacing:.08em;color:rgba(255,255,255,.55);
}
.rc-featured-card-icon{
  width:40px;height:40px;background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.2);border-radius:var(--radius-md);
  display:flex;align-items:center;justify-content:center;font-size:1.1rem;
}
.rc-featured-card h3{
  font-family:var(--font-heading);font-size:.95rem;font-weight:800;
  color:#fff;margin:0;line-height:1.3;
}
.rc-featured-card p{font-size:var(--text-xs);color:rgba(255,255,255,.72);margin:0;line-height:1.6;flex:1}
.rc-featured-card-link{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);
  color:#fff;padding:7px 14px;border-radius:99px;
  font-family:var(--font-heading);font-size:.7rem;font-weight:700;
  letter-spacing:.04em;text-transform:uppercase;
  transition:background .18s;width:fit-content;
}
.rc-featured-card-link:hover{background:rgba(255,255,255,.24)}
.rc-featured-card-link svg{flex-shrink:0}

/* ══ CATEGORY GROUP ══ */
.rc-group{display:none}
.rc-group.active{display:block}
.rc-group-title{
  display:flex;align-items:center;gap:8px;
  font-family:var(--font-heading);font-size:.72rem;font-weight:800;
  letter-spacing:.07em;text-transform:uppercase;color:var(--color-text-muted);
  padding:10px 0;border-bottom:1px solid var(--color-border);margin-bottom:var(--space-4);
}
.rc-group-badge{
  display:inline-flex;align-items:center;justify-content:center;
  width:18px;height:18px;border-radius:50%;
  font-size:.65rem;font-weight:900;color:#fff;flex-shrink:0;
}
.rc-group-count{
  margin-left:auto;font-size:.65rem;font-weight:700;
  color:var(--color-text-faint);
}

/* ══ CALC CARD GRID ══ */
.rc-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(270px,1fr));
  gap:14px;
  margin-bottom:var(--space-5);
}

/* single calc card */
.rc-card{
  background:var(--color-surface);
  border:1px solid var(--color-border);
  border-radius:var(--radius-lg);
  padding:16px;
  display:flex;flex-direction:column;gap:10px;
  transition:border-color .18s,box-shadow .18s,transform .18s;
  position:relative;overflow:hidden;
}
.rc-card:hover{
  border-color:var(--color-primary);
  box-shadow:0 6px 18px rgba(0,40,104,.1);
  transform:translateY(-2px);
}
.rc-card-head{display:flex;align-items:flex-start;gap:12px}
.rc-card-icon{
  width:38px;height:38px;flex-shrink:0;
  border-radius:var(--radius-md);
  display:flex;align-items:center;justify-content:center;
  font-size:1.05rem;
}
.rc-card-meta{flex:1}
.rc-card-cat{
  font-family:var(--font-heading);font-size:.58rem;font-weight:700;
  letter-spacing:.07em;text-transform:uppercase;
  margin-bottom:3px;
}
.rc-card-title{
  font-family:var(--font-heading);font-size:.84rem;font-weight:700;
  color:var(--color-text-heading);line-height:1.3;
}
.rc-card-desc{font-size:var(--text-xs);color:var(--color-text-muted);line-height:1.65;flex:1}
.rc-card-footer{
  display:flex;align-items:center;justify-content:space-between;
  padding-top:10px;border-top:1px solid var(--color-divider);
}
.rc-card-tag{
  font-size:.62rem;font-family:var(--font-heading);font-weight:700;
  padding:3px 8px;border-radius:4px;letter-spacing:.04em;text-transform:uppercase;
}
.rc-card-arrow{
  display:inline-flex;align-items:center;gap:5px;
  font-family:var(--font-heading);font-size:.7rem;font-weight:700;
  color:var(--color-info);transition:gap .18s;
}
.rc-card:hover .rc-card-arrow{gap:9px}
.rc-card-arrow svg{flex-shrink:0}

/* new / hot badge */
.rc-new{
  position:absolute;top:10px;right:10px;
  background:var(--color-danger);color:#fff;
  font-family:var(--font-heading);font-size:.55rem;font-weight:800;
  letter-spacing:.06em;text-transform:uppercase;
  padding:2px 6px;border-radius:4px;
}

/* color palettes per category */
.pal-mortgage  {--pal-bg:#E8F0FE;--pal-txt:#0056D2;--pal-cat:#0056D2}
.pal-tax       {--pal-bg:#E6F4EA;--pal-txt:#00875A;--pal-cat:#00875A}
.pal-investing {--pal-bg:#FEF3C7;--pal-txt:#D97706;--pal-cat:#92400e}
.pal-business  {--pal-bg:#FCE8E6;--pal-txt:#BF0A30;--pal-cat:#BF0A30}
.pal-legal     {--pal-bg:#F3E8FF;--pal-txt:#7C3AED;--pal-cat:#7C3AED}
.pal-loans     {--pal-bg:#FFF7ED;--pal-txt:#C2410C;--pal-cat:#C2410C}

.rc-card-icon  {background:var(--pal-bg);color:var(--pal-txt)}
.rc-card-cat   {color:var(--pal-cat)}
.rc-card-tag   {background:var(--pal-bg);color:var(--pal-cat)}

/* ══ "VIEW ALL" strip ══ */
.rc-viewall{
  display:flex;align-items:center;justify-content:space-between;
  background:var(--color-surface-offset);border:1px solid var(--color-border);
  border-radius:var(--radius-lg);padding:16px var(--space-5);gap:var(--space-4);
  flex-wrap:wrap;margin-top:var(--space-5);
}
.rc-viewall p{font-size:var(--text-sm);color:var(--color-text-muted);margin:0}
.rc-viewall strong{color:var(--color-text-heading);font-family:var(--font-heading)}
.btn-primary{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--color-primary);color:#fff;
  padding:11px 20px;font-family:var(--font-heading);font-weight:700;
  font-size:var(--text-sm);border-radius:var(--radius-md);border:none;
  cursor:pointer;transition:all .2s;white-space:nowrap;
}
.btn-primary:hover{background:var(--color-primary-hover);transform:translateY(-1px);box-shadow:var(--shadow-md)}

/* ══ RESPONSIVE ══ */
@media(max-width:900px){
  .rc-featured{grid-template-columns:1fr}
}
@media(max-width:640px){
  .section-hero{flex-direction:column;align-items:flex-start;gap:10px;padding:18px var(--space-4)}
  .section-body{padding:var(--space-4)}
  .rc-grid{grid-template-columns:1fr}
  .rc-viewall{flex-direction:column;align-items:flex-start}
  .hero-stat-row{gap:12px}
}

/* =========================================================
   📱 MOBILE CONTAINMENT & TABLE SCROLL FIX
   ========================================================= */
html, body {
  max-width: 100vw !important;
  overflow-x: hidden !important;
}

/* 1. Aggressively contain ALL structural wrappers */
.dt-container, 
.dt-main-grid, 
.dt-panel, 
.dt-results, 
.dt-content-section, 
.dt-table-wrap { 
  min-width: 0 !important; 
  max-width: 100% !important; 
  box-sizing: border-box !important; 
}

/* 2. Force Data Tables to scroll horizontally instead of breaking the screen */
.dt-table-wrap, 
.dt-results-table-container {
  width: 100% !important;
  overflow-x: auto !important;
  -webkit-overflow-scrolling: touch !important;
  border-radius: var(--radius-md);
}

/* 3. Mobile Grid Stacking */
@media screen and (max-width: 768px) {
  /* Stack the main left/right layout */
  .dt-main-grid { 
    display: flex !important; 
    flex-direction: column !important; 
    width: 100% !important;
  }
  
  /* Force tabs to scroll smoothly horizontally */
  .dt-tabs { 
    flex-wrap: nowrap !important; 
    overflow-x: auto !important; 
    -webkit-overflow-scrolling: touch;
  }
  .tab-btn { white-space: nowrap !important; }
}