:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--green-h:#006644;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::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:15px;color:var(--gray);background:var(--bg);line-height:1.6}
input,select,button{font-family:inherit}
.tool-header{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,var(--navy-mid) 100%);padding:28px 20px 24px;color:#fff;position:relative;overflow:hidden}
.tool-header::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 80% 50%,rgba(191,10,48,.12) 0%,transparent 60%);pointer-events:none}
.tool-header-inner{max-width:1140px;margin:0 auto;position:relative;z-index:1}
.breadcrumb{font-size:12px;color:rgba(255,255,255,.5);margin-bottom:8px}
.breadcrumb a{color:rgba(255,255,255,.5);text-decoration:none}.breadcrumb a:hover{color:#fff}.breadcrumb span{margin:0 5px;color:rgba(255,255,255,.3)}
.badge{display:inline-flex;align-items:center;gap:5px;background:rgba(191,10,48,.18);border:1px solid rgba(191,10,48,.4);color:#ff8fa3;font-size:11px;font-weight:600;padding:3px 12px;border-radius:20px;margin-bottom:9px;letter-spacing:.5px}
.badge-dot{width:5px;height:5px;background:var(--red);border-radius:50%;animation:blink 1.4s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.tool-header h1{font-family:'Montserrat',sans-serif;font-size:clamp(19px,3vw,26px);font-weight:800;color:#fff;line-height:1.2;margin-bottom:7px}
.tool-header h1 em{font-style:normal;color:#ff8fa3}
.tool-header p{font-size:13.5px;color:rgba(255,255,255,.7);max-width:620px}
.tool-meta{display:flex;flex-wrap:wrap;gap:14px;margin-top:12px}
.tool-meta-item{display:flex;align-items:center;gap:5px;font-size:12px;color:rgba(255,255,255,.55)}
.tool-meta-item strong{color:rgba(255,255,255,.85)}
.tabs-nav{background:#fff;border-bottom:2px solid var(--border);display:flex;overflow-x:auto;-webkit-overflow-scrolling:touch}
.tab-btn{padding:12px 18px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--gray);background:none;border:none;border-bottom:3px solid transparent;margin-bottom:-2px;cursor:pointer;white-space:nowrap;transition:all var(--tr);display:flex;align-items:center;gap:5px}
.tab-btn:hover{color:var(--navy);background:var(--bg)}
.tab-btn.active{color:var(--navy);border-bottom-color:var(--navy);background:var(--bg)}
.calc-wrapper{max-width:1140px;margin:0 auto;padding:20px 16px 40px}
.tab-panel{display:none}.tab-panel.active{display:block}
.calc-grid{display:grid;grid-template-columns:400px 1fr;gap:20px;align-items:start}
@media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
.card{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);overflow:hidden}
.card-header{padding:14px 18px 12px;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:9px}
.card-icon{width:32px;height:32px;border-radius:8px;background:rgba(0,40,104,.08);display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
.card-header h2{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal)}
.card-header p{font-size:11.5px;color:var(--gray);margin-top:1px}
.card-body{padding:18px}
.form-group{margin-bottom:14px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
label{display:block;font-size:12px;font-weight:600;color:var(--charcoal);margin-bottom:4px}
.tip-icon{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;background:var(--border);color:var(--gray);border-radius:50%;font-size:9px;font-weight:700;cursor:help;margin-left:3px;vertical-align:middle;position:relative}
.tip-icon:hover::after{content:attr(data-tip);position:absolute;left:50%;top:110%;transform:translateX(-50%);background:var(--charcoal);color:#fff;font-size:10.5px;font-weight:400;padding:5px 9px;border-radius:5px;white-space:normal;width:180px;z-index:99}
.iw{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:var(--rs);background:var(--bg);overflow:hidden;transition:border-color var(--tr),box-shadow var(--tr)}
.iw:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.10);background:#fff}
.ipfx,.isfx{padding:0 9px;color:var(--gray);font-size:12.5px;font-weight:600;background:var(--border);height:36px;display:flex;align-items:center;flex-shrink:0}
.iw input,.iw select{flex:1;height:36px;padding:0 9px;border:none;background:transparent;outline:none;font-size:13.5px;color:var(--charcoal)}
.fs{width:100%;height:36px;padding:0 30px 0 9px;border:1.5px solid var(--border);border-radius:var(--rs);background:var(--bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='%235F6368'/%3E%3C/svg%3E") no-repeat right 10px center;font-size:13.5px;color:var(--charcoal);outline:none;cursor:pointer;appearance:none;transition:border-color var(--tr)}
.fs:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.10);background-color:#fff}
.hint{font-size:11px;color:var(--gray);margin-top:3px}
.rg{display:flex;gap:7px;flex-wrap:wrap}
.ro input[type=radio]{display:none}
.ro label{display:flex;align-items:center;gap:4px;padding:5px 12px;border:1.5px solid var(--border);border-radius:var(--rs);font-size:12px;font-weight:600;color:var(--gray);cursor:pointer;transition:all var(--tr);margin-bottom:0}
.ro input:checked + label{border-color:var(--navy);background:rgba(0,40,104,.07);color:var(--navy)}
.ro label:hover{border-color:var(--navy);color:var(--navy)}
.sdiv{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:1px;display:flex;align-items:center;gap:7px;margin:16px 0 12px}
.sdiv::before,.sdiv::after{content:'';flex:1;height:1px;background:var(--border)}
.calc-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:10px 20px;border-radius:var(--rs);font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;border:none;cursor:pointer;transition:all var(--tr);white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff;flex:1;min-width:120px}
.btn-primary:hover{background:var(--navy-mid);transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn-sec{background:var(--bg);color:var(--charcoal);border:1.5px solid var(--border);display:none}
.btn-sec:hover{background:var(--border)}
.btn-wa{background:#25D366;color:#fff;display:none}
.btn-wa:hover{background:#1da851}
.vis{display:inline-flex!important}
.results-panel{display:none}.results-panel.visible{display:block}
.kpi-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;margin-bottom:14px}
.kpi{background:#fff;border-radius:var(--r);border:1px solid var(--border);padding:12px 14px;box-shadow:var(--shadow-sm)}
.kpi.primary{background:var(--navy);border-color:var(--navy)}
.kpi-lbl{font-size:10.5px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.kpi.primary .kpi-lbl{color:rgba(255,255,255,.65)}
.kpi-val{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--charcoal);line-height:1.1}
.kpi.primary .kpi-val{color:#fff}
.kpi-sub{font-size:10.5px;color:var(--gray);margin-top:2px}
.kpi.primary .kpi-sub{color:rgba(255,255,255,.6)}
.chart-card{background:#fff;border-radius:var(--r);border:1px solid var(--border);padding:14px;box-shadow:var(--shadow-sm);margin-bottom:14px}
.chart-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal);margin-bottom:10px}
.chart-card canvas{max-height:220px}
.tbl{width:100%;border-collapse:collapse;font-size:12.5px}
.tbl th{background:var(--bg);color:var(--charcoal);font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;padding:7px 11px;text-align:left;border-bottom:1px solid var(--border)}
.tbl td{padding:8px 11px;color:var(--gray);border-bottom:1px solid var(--border)}
.tbl tr:last-child td{border-bottom:none}
.tbl td:last-child{text-align:right;font-weight:600;color:var(--charcoal)}
.tbl tr:hover td{background:var(--bg)}
.alert{display:flex;gap:9px;padding:10px 13px;border-radius:var(--rs);font-size:12.5px;line-height:1.5;margin-bottom:12px}
.alert-info{background:rgba(0,40,104,.06);border-left:3px solid var(--navy)}
.alert-success{background:rgba(0,135,90,.06);border-left:3px solid var(--green)}
.alert-warn{background:rgba(191,10,48,.06);border-left:3px solid var(--red)}
.alert-icon{font-size:15px;flex-shrink:0}
.alert strong{color:var(--charcoal);display:block;margin-bottom:1px}
.compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:14px}
@media(max-width:700px){.compare-grid{grid-template-columns:1fr}}
.cmp-card{background:#fff;border-radius:var(--r);border:2px solid var(--border);padding:14px;transition:all var(--tr)}
.cmp-card.best{border-color:var(--green);position:relative}
.cmp-card.best::before{content:'BEST VALUE';position:absolute;top:-1px;left:50%;transform:translateX(-50%);background:var(--green);color:#fff;font-size:8.5px;font-weight:800;padding:2px 9px;border-radius:0 0 5px 5px;letter-spacing:1px}
.cmp-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);margin-bottom:9px;padding-top:5px}
.cmp-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--border);font-size:11.5px}
.cmp-row:last-child{border-bottom:none}
.cmp-lbl{color:var(--gray)}
.cmp-val{font-weight:700;color:var(--charcoal)}
.cmp-val.red{color:var(--red)}.cmp-val.green{color:var(--green)}
.sc-card{background:#fff;border-radius:var(--r);border:1px solid var(--border);padding:14px;box-shadow:var(--shadow-sm);margin-bottom:14px}
.sc-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal);margin-bottom:10px;display:flex;justify-content:space-between;align-items:center}
.sc-badge{background:rgba(0,40,104,.08);color:var(--navy);font-size:10.5px;padding:2px 9px;border-radius:20px;font-weight:700}
.sc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
@media(max-width:560px){.sc-grid{grid-template-columns:1fr}}
.sc-item{background:var(--bg);border-radius:var(--rs);padding:9px 11px;border:1px solid var(--border)}
.sc-type{font-size:10px;color:var(--gray);font-weight:600;text-transform:uppercase;letter-spacing:.3px;margin-bottom:2px}
.sc-daily{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:800;color:var(--charcoal);line-height:1}
.sc-daily span{font-size:11px;font-weight:600;color:var(--gray)}
.sc-ann{font-size:10.5px;color:var(--gray);margin-top:1px}
.sc-future{font-size:10.5px;color:var(--red);margin-top:1px;font-weight:600}
.tax-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:12px}
@media(max-width:560px){.tax-grid{grid-template-columns:1fr}}
.tx-box{background:var(--bg);border:1px solid var(--border);border-radius:var(--rs);padding:12px 14px}
.tx-box.hi{background:rgba(0,135,90,.06);border-color:var(--green)}
.tx-lbl{font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.tx-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--charcoal)}
.tx-box.hi .tx-val{color:var(--green)}
.tx-sub{font-size:11px;color:var(--gray);margin-top:2px}
.disclaimer{font-size:10.5px;color:var(--gray);line-height:1.5;padding:10px 12px;background:var(--bg);border-radius:var(--rs);border:1px solid var(--border);margin-top:18px}
.couple-split{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.couple-split{grid-template-columns:1fr}}
.plbl{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:1px;padding:5px 10px;border-radius:20px;display:inline-block;margin-bottom:8px}
.plbl.p1{background:rgba(0,40,104,.1);color:var(--navy)}
.plbl.p2{background:rgba(191,10,48,.1);color:var(--red)}
.empty-state{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:32px 20px;text-align:center;color:var(--gray)}
.empty-state-icon{font-size:36px;margin-bottom:10px;opacity:.4}
.empty-state h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;color:var(--charcoal);margin-bottom:5px}
.empty-state p{font-size:12.5px;max-width:260px}
.pb-wrap{margin-bottom:12px}
.pb-hdr{display:flex;justify-content:space-between;font-size:11.5px;color:var(--gray);margin-bottom:3px}
.pb-track{background:var(--border);border-radius:4px;height:7px;overflow:hidden}
.pb-bar{height:100%;border-radius:4px;transition:width .6s ease}
.pb-bar.bl{background:var(--navy)}.pb-bar.gr{background:var(--green)}.pb-bar.rd{background:var(--red)}
@media(max-width:600px){.kpi-row{grid-template-columns:1fr 1fr}.calc-actions{flex-direction:column}}

/* ===== HOW THIS CALCULATOR WORKS SECTION ===== */
.htcw-outer{background:var(--bg);padding:0 0 56px}
.htcw-wrap{max-width:1140px;margin:0 auto;padding:40px 16px 0}
.htcw-header{text-align:center;margin-bottom:36px}
.htcw-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,40,104,.1);border:1px solid rgba(0,40,104,.2);color:var(--navy);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.htcw-title{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.htcw-title em{font-style:normal;color:var(--navy)}
.htcw-subtitle{font-size:14px;color:var(--gray);max-width:600px;margin:0 auto;line-height:1.6}

/* Steps */
.htcw-steps-wrap{position:relative;margin-bottom:40px}
.htcw-steps{display:flex;flex-direction:column;gap:0}
.htcw-step{display:grid;grid-template-columns:56px 1fr;gap:20px;align-items:start;padding:24px 0;border-bottom:1px solid var(--border)}
.htcw-step:last-child{border-bottom:none}
.htcw-step-num{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:var(--shadow-md);margin-top:4px}
.htcw-step-body{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:20px 22px}
.htcw-step-icon{font-size:22px;margin-bottom:8px}
.htcw-step-body h3{font-family:'Montserrat',sans-serif;font-size:14.5px;font-weight:800;color:var(--charcoal);margin-bottom:8px}
.htcw-step-body p{font-size:13px;color:var(--gray);line-height:1.65;margin-bottom:12px}
.htcw-step-body p strong{color:var(--charcoal)}
.htcw-step-tags{display:flex;flex-wrap:wrap;gap:6px}
.htcw-tag{background:rgba(0,40,104,.07);color:var(--navy);font-size:11px;font-weight:600;padding:3px 10px;border-radius:20px;border:1px solid rgba(0,40,104,.15)}

/* Formula Box */
.htcw-formula-box{background:rgba(0,40,104,.04);border:1.5px solid rgba(0,40,104,.15);border-radius:var(--rs);padding:14px 16px;margin-top:12px}
.htcw-formula-title{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:1px;margin-bottom:10px}
.htcw-formula{display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.htcw-f-step{background:#fff;border:1px solid var(--border);border-radius:var(--rs);padding:5px 10px;font-size:11px;font-weight:600;color:var(--charcoal)}
.htcw-f-op{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--navy)}
.htcw-f-result{background:var(--navy);color:#fff;border-radius:var(--rs);padding:5px 12px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800}

/* Multiplier tables */
.htcw-tables-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:8px}
@media(max-width:900px){.htcw-tables-grid{grid-template-columns:1fr}}
.htcw-chip{display:inline-block;padding:2px 9px;border-radius:20px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800}
.htcw-chip-navy{background:rgba(0,40,104,.1);color:var(--navy)}
.htcw-chip-green{background:rgba(0,135,90,.1);color:var(--green)}
.htcw-chip-warn{background:rgba(191,140,10,.1);color:#8a6000}
.htcw-chip-red{background:rgba(191,10,48,.1);color:var(--red)}
.htcw-badge-inline{background:rgba(0,135,90,.1);color:var(--green);font-size:9.5px;font-weight:700;padding:1px 7px;border-radius:20px;margin-left:4px;vertical-align:middle}

/* 4 Tabs Explained */
.htcw-tabs-explain{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:8px}
@media(max-width:900px){.htcw-tabs-explain{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.htcw-tabs-explain{grid-template-columns:1fr}}
.htcw-explain-card{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:18px 16px}
.htcw-explain-icon{font-size:26px;margin-bottom:10px}
.htcw-explain-card h3{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:8px}
.htcw-explain-card p{font-size:12px;color:var(--gray);line-height:1.6;margin-bottom:12px}
.htcw-explain-card p strong{color:var(--charcoal)}
.htcw-explain-outputs{display:flex;flex-direction:column;gap:4px}
.htcw-out-item{font-size:11.5px;color:var(--charcoal);font-weight:500}

/* Assumptions */
.htcw-assumptions-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:8px}
@media(max-width:640px){.htcw-assumptions-grid{grid-template-columns:1fr}}
.htcw-assume-item{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:16px 18px;display:flex;gap:14px;align-items:flex-start}
.htcw-assume-icon{font-size:22px;flex-shrink:0;margin-top:2px}
.htcw-assume-item strong{display:block;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);margin-bottom:5px}
.htcw-assume-item p{font-size:12px;color:var(--gray);line-height:1.6;margin:0}

/* Tips */
.htcw-tips-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:640px){.htcw-tips-grid{grid-template-columns:1fr}}
.htcw-tip{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:16px 18px;display:flex;gap:14px;align-items:flex-start}
.htcw-tip-num{font-size:20px;flex-shrink:0;margin-top:2px}
.htcw-tip strong{display:block;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);margin-bottom:5px}
.htcw-tip p{font-size:12px;color:var(--gray);line-height:1.6;margin:0}

/* Mobile tweaks */
@media(max-width:560px){
  .htcw-step{grid-template-columns:40px 1fr;gap:12px}
  .htcw-step-num{width:36px;height:36px;font-size:15px}
  .htcw-step-body{padding:14px 14px}
  .htcw-formula{gap:4px}
  .htcw-f-step{font-size:10px;padding:4px 7px}
}


/* ===== EDUCATIONAL CONTENT SECTION ===== */
.edu-outer{background:#fff;padding:56px 0;border-top:1px solid var(--border)}
.edu-wrap{max-width:1140px;margin:0 auto;padding:0 16px}
.edu-header{text-align:center;margin-bottom:40px}
.edu-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(191,10,48,.08);border:1px solid rgba(191,10,48,.2);color:var(--red);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.edu-title{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.edu-title em{font-style:normal;color:var(--navy)}
.edu-subtitle{font-size:14px;color:var(--gray);max-width:640px;margin:0 auto;line-height:1.65}

/* Stat bar */
.edu-stats-bar{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);border-radius:var(--r);overflow:hidden;margin-bottom:48px;box-shadow:var(--shadow-sm)}
@media(max-width:700px){.edu-stats-bar{grid-template-columns:1fr 1fr}}
@media(max-width:400px){.edu-stats-bar{grid-template-columns:1fr}}
.edu-stat{background:#fff;padding:18px 16px;text-align:center}
.edu-stat-val{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3vw,30px);font-weight:800;color:var(--navy);line-height:1}
.edu-stat-lbl{font-size:11.5px;color:var(--gray);margin-top:4px;line-height:1.4}

/* Article grid */
.edu-article-grid{display:grid;grid-template-columns:1fr 340px;gap:32px;align-items:start;margin-bottom:48px}
@media(max-width:880px){.edu-article-grid{grid-template-columns:1fr}}

/* Main article */
.edu-article h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,2.5vw,20px);font-weight:800;color:var(--charcoal);margin:28px 0 10px;line-height:1.3}
.edu-article h2:first-child{margin-top:0}
.edu-article h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--navy);margin:20px 0 7px}
.edu-article p{font-size:13.5px;color:var(--gray);line-height:1.75;margin-bottom:14px}
.edu-article p strong{color:var(--charcoal)}
.edu-article ul,.edu-article ol{margin:0 0 14px 18px}
.edu-article li{font-size:13.5px;color:var(--gray);line-height:1.7;margin-bottom:5px}
.edu-article li strong{color:var(--charcoal)}

/* Callout / highlight box */
.edu-callout{background:rgba(0,40,104,.05);border-left:4px solid var(--navy);border-radius:0 var(--rs) var(--rs) 0;padding:14px 16px;margin:18px 0}
.edu-callout-red{background:rgba(191,10,48,.05);border-left-color:var(--red)}
.edu-callout-green{background:rgba(0,135,90,.05);border-left-color:var(--green)}
.edu-callout strong{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.5px;display:block;margin-bottom:5px}
.edu-callout-red strong{color:var(--red)}
.edu-callout-green strong{color:var(--green)}
.edu-callout p{font-size:12.5px;color:var(--gray);margin:0;line-height:1.6}

/* Cost comparison table */
.edu-cost-tbl-wrap{overflow-x:auto;margin:16px 0 20px;border-radius:var(--rs);border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.edu-cost-tbl{width:100%;border-collapse:collapse;font-size:12.5px;min-width:480px}
.edu-cost-tbl th{background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;padding:9px 12px;text-align:left}
.edu-cost-tbl td{padding:9px 12px;color:var(--gray);border-bottom:1px solid var(--border)}
.edu-cost-tbl tr:last-child td{border-bottom:none}
.edu-cost-tbl tr:nth-child(even) td{background:var(--bg)}
.edu-cost-tbl td:first-child{font-weight:600;color:var(--charcoal)}
.edu-cost-tbl td.hi{color:var(--navy);font-weight:700}

/* Age-premium chart bars */
.edu-age-bars{display:flex;flex-direction:column;gap:8px;margin:16px 0 20px}
.edu-age-row{display:grid;grid-template-columns:80px 1fr 80px;gap:10px;align-items:center;font-size:12px}
.edu-age-lbl{color:var(--charcoal);font-weight:600}
.edu-age-track{background:var(--border);border-radius:4px;height:20px;overflow:hidden;position:relative}
.edu-age-fill{height:100%;border-radius:4px;background:var(--navy);display:flex;align-items:center;padding-left:8px;font-size:10.5px;font-weight:700;color:#fff;transition:width .6s ease;position:relative}
.edu-age-val{color:var(--navy);font-family:'Montserrat',sans-serif;font-weight:800;text-align:right}

/* Sidebar */
.edu-sidebar{display:flex;flex-direction:column;gap:16px}
.edu-sb-card{background:var(--bg);border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);overflow:hidden}
.edu-sb-header{background:var(--navy);padding:12px 16px}
.edu-sb-header h3{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:#fff;margin:0}
.edu-sb-body{padding:14px 16px}
.edu-sb-item{display:flex;justify-content:space-between;align-items:flex-start;padding:8px 0;border-bottom:1px solid var(--border);font-size:12px;gap:8px}
.edu-sb-item:last-child{border-bottom:none}
.edu-sb-lbl{color:var(--gray);flex:1}
.edu-sb-val{font-family:'Montserrat',sans-serif;font-weight:800;color:var(--charcoal);text-align:right;flex-shrink:0}
.edu-sb-val.navy{color:var(--navy)}
.edu-sb-val.red{color:var(--red)}
.edu-sb-val.green{color:var(--green)}
.edu-checklist{display:flex;flex-direction:column;gap:7px}
.edu-check-item{display:flex;gap:9px;align-items:flex-start;font-size:12px;color:var(--gray);line-height:1.5}
.edu-check-icon{flex-shrink:0;font-size:13px;margin-top:1px}

/* Bottom cards grid */
.edu-bottom-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:780px){.edu-bottom-grid{grid-template-columns:1fr}}
.edu-bottom-card{background:var(--bg);border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);padding:20px 18px}
.edu-bottom-card-icon{font-size:28px;margin-bottom:10px}
.edu-bottom-card h3{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);margin-bottom:8px}
.edu-bottom-card p{font-size:12.5px;color:var(--gray);line-height:1.65;margin-bottom:12px}
.edu-bottom-card ul{margin:0 0 0 16px}
.edu-bottom-card li{font-size:12px;color:var(--gray);line-height:1.65;margin-bottom:4px}
.edu-bottom-card li strong{color:var(--charcoal)}

/* Section divider */
.edu-sdiv{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:1px;display:flex;align-items:center;gap:7px;margin:36px 0 20px}
.edu-sdiv::before,.edu-sdiv::after{content:'';flex:1;height:1px;background:var(--border)}

@media(max-width:560px){
  .edu-article h2{font-size:16px}
  .edu-age-row{grid-template-columns:64px 1fr 64px;font-size:11px}
  .edu-stat-val{font-size:22px}
}
/* ── Base variables (same as main calculator) ── */
:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--green-h:#006644;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:var(--bg);line-height:1.6}

/* ── SECTION WRAPPER ── */
.ex-outer{background:var(--bg);padding:56px 0;border-top:1px solid var(--border)}
.ex-wrap{max-width:1140px;margin:0 auto;padding:0 16px}

/* ── Section Header ── */
.ex-header{text-align:center;margin-bottom:40px}
.ex-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,40,104,.08);border:1px solid rgba(0,40,104,.18);color:var(--navy);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.ex-badge-dot{width:5px;height:5px;background:var(--navy);border-radius:50%;animation:blink 1.4s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.ex-title{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.ex-title em{font-style:normal;color:var(--navy)}
.ex-subtitle{font-size:14px;color:var(--gray);max-width:620px;margin:0 auto;line-height:1.65}

/* ── Example Cards Grid ── */
.ex-grid{display:flex;flex-direction:column;gap:24px}

/* ── Single Example Card ── */
.ex-card{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);overflow:hidden}

/* Card top bar — color per person */
.ex-card-bar{height:4px;width:100%}
.ex-card-bar.c1{background:linear-gradient(90deg,var(--navy),var(--navy-mid))}
.ex-card-bar.c2{background:linear-gradient(90deg,var(--green),#00a86b)}
.ex-card-bar.c3{background:linear-gradient(90deg,var(--red),#e8265e)}
.ex-card-bar.c4{background:linear-gradient(90deg,#7b5ea7,#a06cd5)}
.ex-card-bar.c5{background:linear-gradient(90deg,#b06000,#e88a00)}

/* Card inner layout */
.ex-card-inner{display:grid;grid-template-columns:260px 1fr;gap:0}
@media(max-width:780px){.ex-card-inner{grid-template-columns:1fr}}

/* Profile panel (left) */
.ex-profile{background:rgba(0,40,104,.03);border-right:1px solid var(--border);padding:22px 20px}
@media(max-width:780px){.ex-profile{border-right:none;border-bottom:1px solid var(--border);padding:18px 16px}}
.ex-profile-num{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:1.2px;color:var(--gray);margin-bottom:10px;display:flex;align-items:center;gap:6px}
.ex-profile-num::after{content:'';flex:1;height:1px;background:var(--border)}
.ex-avatar{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:12px;flex-shrink:0}
.ex-avatar.c1{background:rgba(0,40,104,.1)}
.ex-avatar.c2{background:rgba(0,135,90,.1)}
.ex-avatar.c3{background:rgba(191,10,48,.1)}
.ex-avatar.c4{background:rgba(123,94,167,.1)}
.ex-avatar.c5{background:rgba(176,96,0,.1)}
.ex-name{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--charcoal);margin-bottom:2px}
.ex-role{font-size:12px;color:var(--gray);margin-bottom:14px}
.ex-profile-rows{display:flex;flex-direction:column;gap:7px}
.ex-prow{display:flex;justify-content:space-between;align-items:center;font-size:12px;padding:5px 0;border-bottom:1px solid var(--border)}
.ex-prow:last-child{border-bottom:none}
.ex-prow-lbl{color:var(--gray)}
.ex-prow-val{font-weight:600;color:var(--charcoal);text-align:right}

/* Results panel (right) */
.ex-results{padding:22px 20px}
@media(max-width:780px){.ex-results{padding:18px 16px}}
.ex-results-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:var(--gray);margin-bottom:14px;display:flex;align-items:center;gap:6px}
.ex-results-title::after{content:'';flex:1;height:1px;background:var(--border)}

/* KPI row inside card */
.ex-kpi-row{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:16px}
@media(max-width:560px){.ex-kpi-row{grid-template-columns:1fr 1fr}}
.ex-kpi{background:var(--bg);border-radius:var(--rs);border:1px solid var(--border);padding:11px 12px}
.ex-kpi.primary{border-color:var(--navy);background:var(--navy)}
.ex-kpi-lbl{font-size:10px;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.ex-kpi.primary .ex-kpi-lbl{color:rgba(255,255,255,.65)}
.ex-kpi-val{font-family:'Montserrat',sans-serif;font-size:18px;font-weight:800;color:var(--charcoal);line-height:1.1}
.ex-kpi.primary .ex-kpi-val{color:#fff}
.ex-kpi-sub{font-size:10px;color:var(--gray);margin-top:2px}
.ex-kpi.primary .ex-kpi-sub{color:rgba(255,255,255,.6)}

/* Coverage bar */
.ex-cov-wrap{margin-bottom:14px}
.ex-cov-hdr{display:flex;justify-content:space-between;font-size:11.5px;color:var(--gray);margin-bottom:4px}
.ex-cov-hdr strong{color:var(--charcoal)}
.ex-cov-track{background:var(--border);border-radius:4px;height:8px;overflow:hidden}
.ex-cov-fill{height:100%;border-radius:4px;transition:width .6s ease}
.ex-cov-fill.c1{background:var(--navy)}
.ex-cov-fill.c2{background:var(--green)}
.ex-cov-fill.c3{background:var(--red)}
.ex-cov-fill.c4{background:#7b5ea7}
.ex-cov-fill.c5{background:#b06000}

/* Insight box */
.ex-insight{display:flex;gap:10px;background:rgba(0,40,104,.04);border-left:3px solid var(--navy);border-radius:0 var(--rs) var(--rs) 0;padding:11px 13px;font-size:12.5px;color:var(--gray);line-height:1.55;margin-bottom:14px}
.ex-insight.green{background:rgba(0,135,90,.04);border-left-color:var(--green)}
.ex-insight.red{background:rgba(191,10,48,.04);border-left-color:var(--red)}
.ex-insight.purple{background:rgba(123,94,167,.04);border-left-color:#7b5ea7}
.ex-insight.orange{background:rgba(176,96,0,.04);border-left-color:#b06000}
.ex-insight-icon{font-size:16px;flex-shrink:0;margin-top:1px}
.ex-insight p{margin:0}
.ex-insight strong{color:var(--charcoal)}

/* Tag pills row */
.ex-tags{display:flex;flex-wrap:wrap;gap:6px}
.ex-tag{font-size:11px;font-weight:600;padding:3px 10px;border-radius:20px;border:1px solid}
.ex-tag.navy{background:rgba(0,40,104,.07);color:var(--navy);border-color:rgba(0,40,104,.15)}
.ex-tag.green{background:rgba(0,135,90,.07);color:var(--green);border-color:rgba(0,135,90,.15)}
.ex-tag.red{background:rgba(191,10,48,.07);color:var(--red);border-color:rgba(191,10,48,.15)}
.ex-tag.purple{background:rgba(123,94,167,.07);color:#7b5ea7;border-color:rgba(123,94,167,.15)}
.ex-tag.orange{background:rgba(176,96,0,.07);color:#b06000;border-color:rgba(176,96,0,.15)}
.ex-tag.gray{background:var(--bg);color:var(--gray);border-color:var(--border)}

/* Tax callout strip */
.ex-tax-strip{display:flex;align-items:center;justify-content:space-between;background:rgba(0,135,90,.06);border:1px solid rgba(0,135,90,.2);border-radius:var(--rs);padding:9px 14px;margin-top:12px;flex-wrap:wrap;gap:8px}
.ex-tax-strip-lbl{font-size:12px;color:var(--gray)}
.ex-tax-strip-lbl strong{color:var(--charcoal)}
.ex-tax-strip-val{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--green)}

/* Bottom note */
.ex-disclaimer{font-size:11px;color:var(--gray);text-align:center;margin-top:28px;line-height:1.6;padding:12px 16px;background:#fff;border-radius:var(--rs);border:1px solid var(--border)}
/* ── Base variables (same as main calculator) ── */
:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--green-h:#006644;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:var(--bg);line-height:1.6}

/* ===================== PRO TIPS SECTION ===================== */
.pt-outer{background:var(--bg);padding:56px 0;border-top:1px solid var(--border)}
.pt-wrap{max-width:1140px;margin:0 auto;padding:0 16px}

/* Header */
.pt-header{text-align:center;margin-bottom:44px}
.pt-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,135,90,.09);border:1px solid rgba(0,135,90,.22);color:var(--green);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.pt-badge-dot{width:5px;height:5px;background:var(--green);border-radius:50%;animation:blink 1.4s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.pt-title{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.pt-title em{font-style:normal;color:var(--navy)}
.pt-subtitle{font-size:14px;color:var(--gray);max-width:600px;margin:0 auto;line-height:1.65}

/* Big number feature strip */
.pt-feature-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border);border-radius:var(--r);overflow:hidden;margin-bottom:48px;box-shadow:var(--shadow-sm)}
@media(max-width:640px){.pt-feature-strip{grid-template-columns:1fr}}
.pt-fs-item{background:#fff;padding:20px 18px;display:flex;align-items:flex-start;gap:14px}
.pt-fs-icon{font-size:28px;flex-shrink:0;margin-top:2px}
.pt-fs-val{font-family:'Montserrat',sans-serif;font-size:clamp(20px,2.5vw,26px);font-weight:800;color:var(--navy);line-height:1;margin-bottom:4px}
.pt-fs-lbl{font-size:12px;color:var(--gray);line-height:1.45}

/* Tips Grid — main layout */
.pt-grid{display:flex;flex-direction:column;gap:20px}

/* Single tip card */
.pt-card{background:#fff;border-radius:var(--r);border:1px solid var(--border);box-shadow:var(--shadow-sm);overflow:hidden;display:grid;grid-template-columns:72px 1fr;align-items:stretch}
@media(max-width:600px){.pt-card{grid-template-columns:1fr}}

/* Left number column */
.pt-card-num-col{display:flex;flex-direction:column;align-items:center;justify-content:flex-start;padding:24px 0 24px;background:var(--navy);gap:6px}
@media(max-width:600px){.pt-card-num-col{flex-direction:row;padding:14px 18px;gap:12px;justify-content:flex-start}}
.pt-num{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;color:#fff;line-height:1}
@media(max-width:600px){.pt-num{font-size:22px}}
.pt-num-label{font-family:'Montserrat',sans-serif;font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:1.5px;color:rgba(255,255,255,.45);writing-mode:vertical-rl;text-orientation:mixed;transform:rotate(180deg)}
@media(max-width:600px){.pt-num-label{writing-mode:horizontal-tb;transform:none;font-size:9px}}

/* Right content */
.pt-card-body{padding:22px 24px}
@media(max-width:600px){.pt-card-body{padding:16px 18px}}
.pt-card-top{display:flex;align-items:flex-start;gap:12px;margin-bottom:12px}
.pt-tip-icon{font-size:26px;flex-shrink:0;margin-top:2px}
.pt-card-title{font-family:'Montserrat',sans-serif;font-size:clamp(14px,2vw,16px);font-weight:800;color:var(--charcoal);line-height:1.25;margin-bottom:3px}
.pt-card-hook{font-size:12px;color:var(--green);font-weight:600}

/* Main tip text */
.pt-card-text{font-size:13.5px;color:var(--gray);line-height:1.75;margin-bottom:16px}
.pt-card-text strong{color:var(--charcoal)}

/* Do / Don't row */
.pt-do-dont{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
@media(max-width:500px){.pt-do-dont{grid-template-columns:1fr}}
.pt-do{background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18);border-radius:var(--rs);padding:11px 13px}
.pt-dont{background:rgba(191,10,48,.05);border:1px solid rgba(191,10,48,.18);border-radius:var(--rs);padding:11px 13px}
.pt-dd-label{font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.pt-do .pt-dd-label{color:var(--green)}
.pt-dont .pt-dd-label{color:var(--red)}
.pt-dd-list{display:flex;flex-direction:column;gap:4px}
.pt-dd-item{font-size:12px;color:var(--gray);line-height:1.5;display:flex;gap:6px;align-items:flex-start}
.pt-dd-item-icon{flex-shrink:0;font-size:11px;margin-top:2px}

/* Stat callout inside card */
.pt-stat-callout{background:rgba(0,40,104,.04);border-left:3px solid var(--navy);border-radius:0 var(--rs) var(--rs) 0;padding:11px 14px;margin-bottom:16px;display:flex;align-items:center;gap:14px}
.pt-stat-callout-val{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--navy);white-space:nowrap;flex-shrink:0}
.pt-stat-callout-text{font-size:12px;color:var(--gray);line-height:1.55}
.pt-stat-callout-text strong{color:var(--charcoal)}

/* Action pills row */
.pt-actions{display:flex;flex-wrap:wrap;gap:7px;margin-top:4px}
.pt-action-pill{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;font-weight:600;padding:5px 13px;border-radius:20px;border:1.5px solid}
.pt-action-pill.navy{background:rgba(0,40,104,.07);color:var(--navy);border-color:rgba(0,40,104,.18)}
.pt-action-pill.green{background:rgba(0,135,90,.07);color:var(--green);border-color:rgba(0,135,90,.18)}
.pt-action-pill.red{background:rgba(191,10,48,.07);color:var(--red);border-color:rgba(191,10,48,.18)}
.pt-action-pill.gray{background:var(--bg);color:var(--gray);border-color:var(--border)}

/* Bottom CTA banner */
.pt-cta-banner{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,var(--navy-mid) 100%);border-radius:var(--r);padding:28px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:32px;position:relative;overflow:hidden}
.pt-cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 85% 50%,rgba(191,10,48,.12) 0%,transparent 60%);pointer-events:none}
@media(max-width:600px){.pt-cta-banner{flex-direction:column;text-align:center;padding:22px 20px}}
.pt-cta-text{position:relative;z-index:1}
.pt-cta-text h3{font-family:'Montserrat',sans-serif;font-size:clamp(14px,2vw,17px);font-weight:800;color:#fff;margin-bottom:6px}
.pt-cta-text p{font-size:13px;color:rgba(255,255,255,.7);max-width:520px;line-height:1.55}
.pt-cta-btn{position:relative;z-index:1;display:inline-flex;align-items:center;gap:7px;background:var(--red);color:#fff;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;padding:12px 24px;border-radius:var(--rs);border:none;cursor:pointer;white-space:nowrap;text-decoration:none;transition:all var(--tr);flex-shrink:0}
.pt-cta-btn:hover{background:var(--red-h);transform:translateY(-1px);box-shadow:var(--shadow-md)}

/* Disclaimer */
.pt-disclaimer{font-size:11px;color:var(--gray);text-align:center;margin-top:20px;line-height:1.6;padding:12px 16px;background:#fff;border-radius:var(--rs);border:1px solid var(--border)}
:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:var(--bg);line-height:1.6}

/* ===================== FAQ SECTION ===================== */
.faq-outer{background:#fff;padding:56px 0;border-top:1px solid var(--border)}
.faq-wrap{max-width:1140px;margin:0 auto;padding:0 16px}

/* Header */
.faq-header{text-align:center;margin-bottom:40px}
.faq-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.18);color:var(--navy);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:.5px}
.faq-badge-dot{width:5px;height:5px;background:var(--navy);border-radius:50%;animation:blink 1.4s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.faq-title{font-family:'Montserrat',sans-serif;font-size:clamp(20px,3vw,28px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:10px}
.faq-title em{font-style:normal;color:var(--navy)}
.faq-subtitle{font-size:14px;color:var(--gray);max-width:600px;margin:0 auto;line-height:1.65}

/* Search bar */
.faq-search-wrap{max-width:540px;margin:0 auto 36px;position:relative}
.faq-search{width:100%;padding:11px 16px 11px 42px;border:1.5px solid var(--border);border-radius:var(--r);font-family:'Inter',sans-serif;font-size:14px;color:var(--charcoal);background:#fff;outline:none;transition:border-color var(--tr),box-shadow var(--tr)}
.faq-search:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1)}
.faq-search::placeholder{color:var(--gray)}
.faq-search-icon{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-size:16px;pointer-events:none}
.faq-count{font-size:12px;color:var(--gray);text-align:center;margin-top:8px}
.faq-count span{font-weight:700;color:var(--navy)}

/* Category tabs */
.faq-cats{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:32px}
.faq-cat-btn{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;padding:6px 16px;border-radius:20px;border:1.5px solid var(--border);background:#fff;color:var(--gray);cursor:pointer;transition:all var(--tr)}
.faq-cat-btn:hover{border-color:var(--navy);color:var(--navy);background:rgba(0,40,104,.04)}
.faq-cat-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* Two-column layout */
.faq-layout{display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start}
@media(max-width:900px){.faq-layout{grid-template-columns:1fr}}

/* Accordion list */
.faq-list{display:flex;flex-direction:column;gap:8px}

/* Single accordion item */
.faq-item{background:#fff;border:1.5px solid var(--border);border-radius:var(--r);overflow:hidden;transition:border-color var(--tr),box-shadow var(--tr)}
.faq-item:hover{border-color:rgba(0,40,104,.25);box-shadow:var(--shadow-sm)}
.faq-item.open{border-color:var(--navy);box-shadow:var(--shadow-sm)}
.faq-item.hidden{display:none}

/* Question row */
.faq-q{display:flex;align-items:flex-start;gap:12px;padding:15px 18px;cursor:pointer;user-select:none;-webkit-tap-highlight-color:transparent}
.faq-q-num{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;color:rgba(0,40,104,.35);min-width:22px;margin-top:3px;flex-shrink:0}
.faq-item.open .faq-q-num{color:var(--navy)}
.faq-q-icon{font-size:16px;flex-shrink:0;margin-top:2px}
.faq-q-text{flex:1;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--charcoal);line-height:1.35}
.faq-item.open .faq-q-text{color:var(--navy)}
.faq-chevron{flex-shrink:0;width:20px;height:20px;border-radius:50%;background:var(--bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;transition:transform var(--tr),background var(--tr);margin-top:2px}
.faq-chevron svg{width:10px;height:10px;stroke:var(--gray);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;transition:stroke var(--tr)}
.faq-item.open .faq-chevron{transform:rotate(180deg);background:var(--navy);border-color:var(--navy)}
.faq-item.open .faq-chevron svg{stroke:#fff}

/* Answer panel */
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.16,1,.3,1)}
.faq-item.open .faq-a{max-height:1000px}
.faq-a-inner{padding:0 18px 18px 52px;border-top:1px solid var(--border)}
@media(max-width:480px){.faq-a-inner{padding:0 14px 16px 14px}}
.faq-a-text{font-size:13.5px;color:var(--gray);line-height:1.8;padding-top:14px}
.faq-a-text strong{color:var(--charcoal)}
.faq-a-text ul{margin:10px 0 10px 16px;display:flex;flex-direction:column;gap:5px}
.faq-a-text ul li{font-size:13px;line-height:1.6}

/* Highlight box inside answer */
.faq-highlight{display:flex;gap:10px;background:rgba(0,40,104,.04);border-left:3px solid var(--navy);border-radius:0 var(--rs) var(--rs) 0;padding:10px 13px;margin-top:12px;font-size:12.5px;color:var(--gray);line-height:1.55}
.faq-highlight.green{background:rgba(0,135,90,.04);border-left-color:var(--green)}
.faq-highlight.red{background:rgba(191,10,48,.04);border-left-color:var(--red)}
.faq-highlight strong{color:var(--charcoal)}

/* Category label on answer */
.faq-cat-label{display:inline-flex;align-items:center;gap:4px;font-size:10.5px;font-weight:700;padding:2px 9px;border-radius:20px;margin-bottom:8px;margin-top:12px}
.faq-cat-label.cost{background:rgba(0,40,104,.07);color:var(--navy);border:1px solid rgba(0,40,104,.15)}
.faq-cat-label.eligibility{background:rgba(0,135,90,.07);color:var(--green);border:1px solid rgba(0,135,90,.15)}
.faq-cat-label.benefits{background:rgba(191,10,48,.07);color:var(--red);border:1px solid rgba(191,10,48,.15)}
.faq-cat-label.tax{background:rgba(176,96,0,.07);color:#b06000;border:1px solid rgba(176,96,0,.15)}
.faq-cat-label.strategy{background:rgba(123,94,167,.07);color:#7b5ea7;border:1px solid rgba(123,94,167,.15)}

/* Sidebar */
.faq-sidebar{display:flex;flex-direction:column;gap:16px;position:sticky;top:20px}
@media(max-width:900px){.faq-sidebar{position:static}}

.faq-sb-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow-sm)}
.faq-sb-header{padding:12px 16px;border-bottom:1px solid var(--border);display:flex;align-items:center;gap:8px}
.faq-sb-icon{font-size:16px}
.faq-sb-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal)}
.faq-sb-body{padding:14px 16px}

/* Quick stat rows in sidebar */
.faq-stat-rows{display:flex;flex-direction:column;gap:0}
.faq-stat-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-bottom:1px solid var(--border);font-size:12px}
.faq-stat-row:last-child{border-bottom:none}
.faq-stat-lbl{color:var(--gray)}
.faq-stat-val{font-weight:700;color:var(--charcoal);font-family:'Montserrat',sans-serif;font-size:13px}

/* Most searched topics sidebar */
.faq-topics{display:flex;flex-direction:column;gap:6px}
.faq-topic-btn{display:flex;align-items:center;gap:8px;padding:8px 10px;border-radius:var(--rs);border:1px solid var(--border);background:var(--bg);cursor:pointer;transition:all var(--tr);text-align:left}
.faq-topic-btn:hover{border-color:var(--navy);background:rgba(0,40,104,.04)}
.faq-topic-icon{font-size:14px;flex-shrink:0}
.faq-topic-text{font-size:12px;color:var(--gray);font-weight:500;line-height:1.35}

/* Bottom disclaimer */
.faq-disclaimer{font-size:11px;color:var(--gray);text-align:center;margin-top:28px;line-height:1.6;padding:12px 16px;background:var(--bg);border-radius:var(--rs);border:1px solid var(--border)}
:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:var(--bg);line-height:1.6}

/* ===================== RELATED CALCULATORS SECTION ===================== */
.rc-outer{background:var(--bg);padding:56px 0;border-top:3px solid var(--navy)}
.rc-wrap{max-width:1140px;margin:0 auto;padding:0 16px}

/* Header */
.rc-header{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:32px;flex-wrap:wrap}
.rc-header-left{}
.rc-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.18);color:var(--navy);font-size:11px;font-weight:700;padding:3px 12px;border-radius:20px;margin-bottom:8px;letter-spacing:.5px}
.rc-badge-dot{width:5px;height:5px;background:var(--navy);border-radius:50%;animation:blink 1.4s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.rc-title{font-family:'Montserrat',sans-serif;font-size:clamp(19px,2.5vw,25px);font-weight:800;color:var(--charcoal);line-height:1.2;margin-bottom:6px}
.rc-title em{font-style:normal;color:var(--navy)}
.rc-subtitle{font-size:13px;color:var(--gray);max-width:540px;line-height:1.6}
.rc-view-all{display:inline-flex;align-items:center;gap:6px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);text-decoration:none;background:#fff;border:1.5px solid var(--navy);padding:9px 18px;border-radius:var(--rs);transition:all var(--tr);white-space:nowrap}
.rc-view-all:hover{background:var(--navy);color:#fff}
.rc-view-all svg{width:13px;height:13px;stroke:currentColor;fill:none;stroke-width:2.5;transition:transform var(--tr)}
.rc-view-all:hover svg{transform:translateX(3px)}

/* Category tabs */
.rc-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.rc-tab{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;padding:6px 14px;border-radius:20px;border:1.5px solid var(--border);background:#fff;color:var(--gray);cursor:pointer;transition:all var(--tr);display:flex;align-items:center;gap:5px}
.rc-tab:hover{border-color:var(--navy);color:var(--navy);background:rgba(0,40,104,.04)}
.rc-tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.rc-tab-count{background:rgba(255,255,255,.22);color:inherit;font-size:10px;font-weight:700;padding:1px 6px;border-radius:10px}
.rc-tab.active .rc-tab-count{background:rgba(255,255,255,.25)}
.rc-tab:not(.active) .rc-tab-count{background:rgba(0,40,104,.08);color:var(--navy)}

/* Cards grid */
.rc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:1000px){.rc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){.rc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:420px){.rc-grid{grid-template-columns:1fr}}

/* Single card */
.rc-card{background:#fff;border-radius:var(--r);border:1.5px solid var(--border);box-shadow:var(--shadow-sm);padding:16px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit;transition:all var(--tr);position:relative;overflow:hidden}
.rc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--navy);opacity:0;transition:opacity var(--tr)}
.rc-card:hover{border-color:rgba(0,40,104,.3);box-shadow:var(--shadow-md);transform:translateY(-2px)}
.rc-card:hover::before{opacity:1}
.rc-card.hidden{display:none}

/* Card top row */
.rc-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
.rc-card-icon-wrap{width:38px;height:38px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.rc-card-icon-wrap.insurance{background:rgba(0,40,104,.08)}
.rc-card-icon-wrap.retirement{background:rgba(0,135,90,.08)}
.rc-card-icon-wrap.tax{background:rgba(176,96,0,.08)}
.rc-card-icon-wrap.personal{background:rgba(123,94,167,.08)}
.rc-card-icon-wrap.business{background:rgba(191,10,48,.08)}

/* Hot badge */
.rc-hot{font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;background:var(--red);color:#fff;padding:2px 7px;border-radius:10px;flex-shrink:0}
.rc-new{font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;background:var(--green);color:#fff;padding:2px 7px;border-radius:10px;flex-shrink:0}

/* Card body */
.rc-card-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--charcoal);line-height:1.3;margin-bottom:1px}
.rc-card-desc{font-size:11.5px;color:var(--gray);line-height:1.5;flex:1}

/* Card footer */
.rc-card-footer{display:flex;align-items:center;justify-content:space-between;padding-top:8px;border-top:1px solid var(--border)}
.rc-card-cat{font-size:10px;font-weight:700;padding:2px 8px;border-radius:10px;text-transform:uppercase;letter-spacing:.4px}
.rc-card-cat.insurance{background:rgba(0,40,104,.07);color:var(--navy)}
.rc-card-cat.retirement{background:rgba(0,135,90,.07);color:var(--green)}
.rc-card-cat.tax{background:rgba(176,96,0,.07);color:#b06000}
.rc-card-cat.personal{background:rgba(123,94,167,.07);color:#7b5ea7}
.rc-card-cat.business{background:rgba(191,10,48,.07);color:var(--red)}
.rc-card-arrow{width:24px;height:24px;border-radius:50%;background:var(--bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all var(--tr)}
.rc-card:hover .rc-card-arrow{background:var(--navy);border-color:var(--navy)}
.rc-card-arrow svg{width:10px;height:10px;stroke:var(--gray);fill:none;stroke-width:2.5;transition:stroke var(--tr)}
.rc-card:hover .rc-card-arrow svg{stroke:#fff}

/* Bottom CTA strip */
.rc-bottom-strip{margin-top:28px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,var(--navy-mid) 100%);border-radius:var(--r);padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;position:relative;overflow:hidden}
.rc-bottom-strip::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 50% 100% at 90% 50%,rgba(191,10,48,.12) 0%,transparent 60%);pointer-events:none}
.rc-strip-text{position:relative;z-index:1}
.rc-strip-text p{font-family:'Montserrat',sans-serif;font-size:clamp(13px,1.8vw,15px);font-weight:800;color:#fff;margin-bottom:3px}
.rc-strip-text span{font-size:12px;color:rgba(255,255,255,.65)}
.rc-strip-btn{position:relative;z-index:1;display:inline-flex;align-items:center;gap:7px;background:var(--red);color:#fff;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;padding:10px 20px;border-radius:var(--rs);text-decoration:none;transition:all var(--tr);white-space:nowrap;flex-shrink:0}
.rc-strip-btn:hover{background:var(--red-h);transform:translateY(-1px);box-shadow:var(--shadow-md)}
:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-h:#9B0826;--green:#00875A;--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);--r:10px;--rs:6px;--tr:.2s cubic-bezier(.16,1,.3,1)}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{-webkit-font-smoothing:antialiased}
body{font-family:'Inter',sans-serif;font-size:15px;color:var(--gray);background:var(--bg);line-height:1.6}

/* ===================== DISCLAIMER & TRANSPARENCY SECTION ===================== */
.dt-outer{background:var(--bg);padding:52px 0;border-top:1px solid var(--border)}
.dt-wrap{max-width:1140px;margin:0 auto;padding:0 16px}

/* ── EDITORIAL TRANSPARENCY BLOCK ── */
.dt-editorial{background:#fff;border-radius:var(--r);border:1.5px solid var(--border);box-shadow:var(--shadow-sm);margin-bottom:20px;overflow:hidden}
.dt-editorial-header{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 100%);padding:18px 22px;display:flex;align-items:center;gap:12px}
.dt-editorial-header-icon{font-size:22px}
.dt-editorial-header-text{}
.dt-editorial-header-title{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:#fff;margin-bottom:2px}
.dt-editorial-header-sub{font-size:11.5px;color:rgba(255,255,255,.65)}
.dt-editorial-body{padding:22px}
.dt-editorial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:20px}
@media(max-width:760px){.dt-editorial-grid{grid-template-columns:1fr}}
.dt-et-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--rs);padding:14px 15px}
.dt-et-card-top{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.dt-et-card-icon{font-size:18px}
.dt-et-card-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--charcoal)}
.dt-et-card-text{font-size:12px;color:var(--gray);line-height:1.6}
.dt-et-card-text strong{color:var(--charcoal)}

/* Editorial policy strip */
.dt-policy-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
@media(max-width:680px){.dt-policy-strip{grid-template-columns:repeat(2,1fr)}}
@media(max-width:380px){.dt-policy-strip{grid-template-columns:1fr}}
.dt-policy-item{display:flex;align-items:center;gap:8px;padding:9px 11px;background:rgba(0,135,90,.05);border:1px solid rgba(0,135,90,.18);border-radius:var(--rs)}
.dt-policy-icon{font-size:15px;flex-shrink:0}
.dt-policy-text{font-size:11px;font-weight:600;color:var(--green);line-height:1.35}

/* ── GOVERNMENT SOURCES BLOCK ── */
.dt-gov{background:#fff;border-radius:var(--r);border:1.5px solid var(--border);box-shadow:var(--shadow-sm);margin-bottom:20px;overflow:hidden}
.dt-gov-header{background:linear-gradient(135deg,rgba(0,40,104,.08) 0%,rgba(0,40,104,.03) 100%);border-bottom:1px solid var(--border);padding:14px 22px;display:flex;align-items:center;gap:10px}
.dt-gov-header-icon{font-size:20px}
.dt-gov-header-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal)}
.dt-gov-header-sub{font-size:11.5px;color:var(--gray);margin-left:auto}
@media(max-width:500px){.dt-gov-header-sub{display:none}}
.dt-gov-body{padding:18px 22px}
.dt-gov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(max-width:640px){.dt-gov-grid{grid-template-columns:1fr}}

/* Gov link card */
.dt-gov-card{display:flex;gap:12px;align-items:flex-start;padding:13px 14px;border:1px solid var(--border);border-radius:var(--rs);background:var(--bg);text-decoration:none;color:inherit;transition:all var(--tr)}
.dt-gov-card:hover{border-color:var(--navy);background:rgba(0,40,104,.03);box-shadow:var(--shadow-sm)}
.dt-gov-card-flag{font-size:22px;flex-shrink:0;margin-top:2px}
.dt-gov-card-body{}
.dt-gov-card-source{font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--navy);margin-bottom:3px;display:flex;align-items:center;gap:5px}
.dt-gov-card-source::after{content:'🔒 .gov';font-size:9px;background:rgba(0,135,90,.1);color:var(--green);padding:1px 5px;border-radius:6px;letter-spacing:0;font-weight:700}
.dt-gov-card-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--charcoal);line-height:1.3;margin-bottom:3px}
.dt-gov-card-desc{font-size:11.5px;color:var(--gray);line-height:1.5}
.dt-gov-card-url{font-size:10.5px;color:var(--navy);margin-top:5px;display:flex;align-items:center;gap:4px;font-weight:500}
.dt-gov-card-url svg{width:9px;height:9px;stroke:currentColor;fill:none;stroke-width:2.5}

/* ── LEGAL DISCLAIMER BLOCK ── */
.dt-legal{background:#fff;border-radius:var(--r);border:1.5px solid var(--border);border-left:4px solid var(--red);box-shadow:var(--shadow-sm);overflow:hidden}
.dt-legal-header{padding:14px 22px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;background:rgba(191,10,48,.02)}
.dt-legal-header-left{display:flex;align-items:center;gap:10px}
.dt-legal-header-icon{font-size:20px}
.dt-legal-header-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--charcoal)}
.dt-legal-badge{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;background:rgba(191,10,48,.08);color:var(--red);border:1px solid rgba(191,10,48,.2);padding:3px 10px;border-radius:20px}
.dt-legal-body{padding:20px 22px}
.dt-legal-text{font-size:12.5px;color:var(--gray);line-height:1.8;margin-bottom:16px}
.dt-legal-text strong{color:var(--charcoal)}
.dt-legal-text a{color:var(--navy);text-decoration:underline;text-underline-offset:2px}

/* Legal bullets grid */
.dt-legal-bullets{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:16px}
@media(max-width:580px){.dt-legal-bullets{grid-template-columns:1fr}}
.dt-legal-bullet{display:flex;gap:9px;align-items:flex-start;padding:10px 12px;background:var(--bg);border:1px solid var(--border);border-radius:var(--rs);font-size:12px;color:var(--gray);line-height:1.5}
.dt-legal-bullet-icon{font-size:14px;flex-shrink:0;margin-top:1px}
.dt-legal-bullet strong{color:var(--charcoal)}

/* Last updated + copyright strip */
.dt-footer-strip{display:flex;align-items:center;justify-content:space-between;padding-top:14px;border-top:1px solid var(--border);flex-wrap:wrap;gap:10px}
.dt-footer-meta{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.dt-footer-meta-item{display:flex;align-items:center;gap:5px;font-size:11.5px;color:var(--gray)}
.dt-footer-meta-item strong{color:var(--charcoal)}
.dt-footer-meta-dot{width:4px;height:4px;background:var(--border);border-radius:50%}
.dt-copyright{font-size:11.5px;color:var(--gray)}
.dt-copyright a{color:var(--navy);text-decoration:none;font-weight:600}
.dt-copyright a:hover{text-decoration:underline}
/* =========================================================
   📱 BULLETPROOF MOBILE FIXES FOR EDUCATIONAL SECTION 
   ========================================================= */

/* 1. Fix "Grid Blowout" - Forces container to shrink on mobile */
.edu-article {
  min-width: 0 !important; 
  max-width: 100% !important;
}

/* Tablet & Smaller (Under 992px) */
@media screen and (max-width: 992px) {
  /* Force vertical stacking using Flexbox instead of Grid */
  .edu-article-grid {
    display: flex !important;
    flex-direction: column !important;
    gap: 40px;
  }
  
  .edu-bottom-grid {
    display: flex !important;
    flex-direction: column !important;
    gap: 20px;
  }
}

/* Mobile Phones (Under 768px) */
@media screen and (max-width: 768px) {
  .edu-stats-bar {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    gap: 16px;
    padding: 20px;
  }

  /* The Table Swipe Fix */
  .edu-cost-tbl-wrap {
    width: 100% !important;
    max-width: 100vw !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch;
    margin: 0 !important;
  }
  
  .edu-cost-tbl {
    min-width: 600px !important; 
  }

  .edu-outer {
    padding: 40px 15px !important;
  }

  .edu-title {
    font-size: 24px !important;
    line-height: 1.3 !important;
  }
}

/* Very Small Phones (Under 480px) */
@media screen and (max-width: 480px) {
  .edu-stats-bar {
    grid-template-columns: 1fr !important;
  }
}