:root{--navy:#002868;--navy2:#214d88;--green:#00875A;--red:#BF0A30;--amber:#c08b00;--ink:#1D1D1F;--muted:#5F6368;--border:#DFE5EC;--bg:#F7F9FC;--card:#fff}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 16px 26px}.hero-inner{max-width:1480px;margin:0 auto}.hero h1{font-size:clamp(1.7rem,4vw,2.7rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.97rem;max-width:1180px;opacity:.93}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);font-size:.72rem;font-weight:700}
    .wrap{max-width:1480px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--border);border-radius:10px;padding:16px;text-align:center;color:var(--muted);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--navy)}
    .layout{display:grid;grid-template-columns:1.08fr .92fr;gap:18px}.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:0 6px 20px rgba(0,40,104,.06)}.card+.card{margin-top:12px}.title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--muted);margin-top:2px} input[type=number],select{width:100%;padding:10px 11px;border:1.5px solid var(--border);border-radius:8px;background:#fff;font:inherit;font-size:.88rem;color:var(--ink);outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .broker-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.broker-box{border:1px solid var(--border);border-radius:12px;padding:12px;background:#fbfdff}.broker-box h4{font-size:.86rem;color:var(--navy);margin-bottom:7px}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)}.btn-outline:hover{background:var(--red);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .placeholder{text-align:center;padding:46px 18px;color:var(--muted)}.placeholder .emoji{font-size:2.5rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#8a6500)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.32rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:320px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--navy)}.note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    @media(max-width:1150px){.layout,.broker-grid{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
    .wrap{max-width:1480px;margin:0 auto;padding:18px 14px 34px}
    .card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:0 6px 20px rgba(0,40,104,.06)}
    .title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}
    .num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}
    .kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}
    .kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
    .kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}
    .kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}
    .good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
    .bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}
    .table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}
    .table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}
    .table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border)}
    .table-wrap tbody tr:nth-child(even){background:#f8fbff}
    .strong{font-weight:800;color:var(--navy)}
    .note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    
    .sec-gap{margin-bottom:34px}
    .sec-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
    .sec-head h2{font-size:clamp(1.05rem,2.5vw,1.4rem);font-weight:800;color:var(--navy);line-height:1.2}
    .icon-box{width:38px;height:38px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
    .sec-desc{font-size:.86rem;color:var(--muted);margin-bottom:18px;max-width:860px;line-height:1.7}
    /* Steps */
    .steps-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
    .step-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px}
    .step-num{width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-family:Montserrat,sans-serif;font-weight:800;font-size:.85rem;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
    .step-title{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:6px}
    .step-desc{font-size:.76rem;color:var(--muted);line-height:1.7}
    /* Scenarios */
    .scenario-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:14px}
    .sc-tab{padding:8px 14px;border-radius:8px;border:1.5px solid var(--border);background:#fff;font-family:Montserrat,sans-serif;font-size:.76rem;font-weight:700;color:var(--muted);cursor:pointer;transition:all .2s}
    .sc-tab.active,.sc-tab:hover{background:var(--navy);border-color:var(--navy);color:#fff}
    .sc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
    .sc-story{height:fit-content}
    .sc-kpis{display:flex;flex-direction:column;gap:10px}
    /* Tips */
    .tips-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
    .tip-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px;display:flex;gap:12px;align-items:flex-start}
    .tip-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
    .tip-body{flex:1}
    .tip-title{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--ink);margin-bottom:4px}
    .tip-tag{display:inline-block;padding:2px 8px;border-radius:999px;font-size:.66rem;font-weight:700;text-transform:uppercase;margin-bottom:6px}
    .tip-tag.safe{background:#e8f5e9;color:var(--green)}
    .tip-tag.warn{background:#fff8e1;color:var(--amber)}
    .tip-tag.pro{background:#e3effe;color:var(--navy)}
    .tip-tag.risk{background:#ffebee;color:var(--red)}
    .tip-desc{font-size:.77rem;color:var(--muted);line-height:1.7}
    /* FAQ */
    .faq-two{display:grid;grid-template-columns:1fr 1fr;gap:0 22px}
    .faq-list{display:flex;flex-direction:column;gap:8px}
    .faq-item{background:var(--card);border:1px solid var(--border);border-radius:12px;overflow:hidden}
    .faq-q{display:flex;align-items:center;justify-content:space-between;padding:13px 16px;cursor:pointer;font-size:.84rem;font-weight:700;color:var(--ink);gap:12px;transition:background .2s;user-select:none;-webkit-user-select:none}
    .faq-q:hover{background:#f7faff}
    .faq-q.open{background:#edf4ff;color:var(--navy)}
    .faq-arrow{width:20px;height:20px;border-radius:50%;background:var(--border);display:flex;align-items:center;justify-content:center;font-size:.7rem;flex-shrink:0;transition:transform .3s,background .2s}
    .faq-q.open .faq-arrow{transform:rotate(180deg);background:var(--navy);color:#fff}
    .faq-body{max-height:0;overflow:hidden;transition:max-height .42s ease}
    .faq-body.open{max-height:700px}
    .faq-body-inner{padding:0 16px 14px;font-size:.8rem;color:var(--muted);line-height:1.75}
    .faq-body-inner strong{color:var(--ink)}
    .faq-body-inner em{font-style:italic}
    /* Related */
    .related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
    .related-card{display:flex;gap:10px;align-items:flex-start;background:var(--card);border:1px solid var(--border);border-radius:12px;padding:14px;text-decoration:none;transition:box-shadow .2s,border-color .2s}
    .related-card:hover{border-color:var(--navy);box-shadow:0 4px 16px rgba(0,40,104,.10)}
    .related-icon{width:34px;height:34px;background:#edf4ff;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
    .related-title{font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:800;color:var(--navy);margin-bottom:3px}
    .related-desc{font-size:.72rem;color:var(--muted);line-height:1.5}
    /* Disclaimer */
    .disclaimer-block{display:flex;flex-direction:column;gap:12px}
    .disclaimer-amber{background:#fffbea;border:1px solid #e6c44a;border-radius:12px;padding:18px}
    .disclaimer-navy{background:#f0f4ff;border:1px solid #c5d3f0;border-radius:12px;padding:18px}
    .disclaimer-green{background:#f0fdf4;border:1px solid #86efac;border-radius:12px;padding:18px}
    .d-title{font-family:Montserrat,sans-serif;font-size:.86rem;font-weight:800;margin-bottom:10px;color:var(--ink)}
    .disclaimer-amber p{font-size:.8rem;color:#5a3e00;line-height:1.75}
    .editorial-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
    .ed-item{display:flex;gap:8px;align-items:flex-start;font-size:.78rem;color:var(--muted);line-height:1.5}
    .ed-icon{color:var(--green);font-weight:800;flex-shrink:0;margin-top:1px}
    .refs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
    .ref-link{display:block;background:#fff;border:1px solid #86efac;border-radius:8px;padding:8px 10px;font-size:.76rem;color:var(--navy);font-weight:700;text-decoration:none;transition:background .2s}
    .ref-link:hover{background:#dcfce7}
    /* Responsive */
    @media(max-width:1200px){.steps-grid{grid-template-columns:repeat(3,1fr)}.related-grid{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:900px){.sc-grid,.tips-grid,.faq-two,.editorial-grid,.refs-grid{grid-template-columns:1fr}.steps-grid{grid-template-columns:repeat(2,1fr)}.related-grid{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:640px){.steps-grid,.related-grid,.refs-grid{grid-template-columns:1fr}.scenario-tabs{flex-direction:column}.tip-card{flex-direction:column}.tip-icon{width:34px;height:34px}}

    @media(max-width:1150px){.kpis{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:640px){.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
      .wrap{max-width:1480px;margin:0 auto;padding:18px 14px 40px}
    /* Base tool classes */
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}
    .good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
    .bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}
    .table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}
    .table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}
    .table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border)}
    .table-wrap tbody tr:nth-child(even){background:#f8fbff}
    .strong{font-weight:800;color:var(--navy)}
    .note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    /* Section */
    .sec-gap{margin-bottom:34px}
    .sec-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
    .sec-head h2{font-size:clamp(1.05rem,2.5vw,1.4rem);font-weight:800;color:var(--navy);line-height:1.2}
    .icon-box{width:38px;height:38px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
    .sec-desc{font-size:.86rem;color:var(--muted);margin-bottom:18px;max-width:900px;line-height:1.75}
    /* Tab system */
    .edu-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px}
    .edu-tab{padding:9px 14px;border-radius:8px;border:1.5px solid var(--border);background:#fff;font-family:Montserrat,sans-serif;font-size:.76rem;font-weight:700;color:var(--muted);cursor:pointer;transition:all .2s;white-space:nowrap}
    .edu-tab.active,.edu-tab:hover{background:var(--navy);border-color:var(--navy);color:#fff}
    .edu-panel{animation:fadeIn .25s ease}
    @keyframes fadeIn{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:translateY(0)}}
    /* Content grid */
    .edu-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
    .edu-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:0 4px 14px rgba(0,40,104,.05)}
    .edu-card-title{font-family:Montserrat,sans-serif;font-size:.94rem;font-weight:800;color:var(--navy);margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid #eef3f7}
    .edu-p{font-size:.83rem;color:var(--muted);line-height:1.8;margin-bottom:10px}
    /* Formula blocks */
    .formula-block{background:#f0f4ff;border:1px solid #c5d3f0;border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:10px 14px;font-family:monospace;font-size:.84rem;color:var(--navy);font-weight:700;margin:10px 0;line-height:1.5}
    /* Terminology list */
    .term-list{display:flex;flex-direction:column;gap:8px}
    .term-item{padding:10px 12px;background:#f7faff;border-radius:8px;border-left:3px solid var(--navy)}
    .term-name{font-family:Montserrat,sans-serif;font-size:.79rem;font-weight:800;color:var(--navy);margin-bottom:3px}
    .term-def{font-size:.76rem;color:var(--muted);line-height:1.6}
    /* Rate tiers */
    .rate-tiers{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:14px;margin-top:10px}
    .rate-tier-title{font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:800;color:var(--navy);margin-bottom:10px}
    .tier-grid{display:flex;flex-direction:column;gap:6px}
    .tier-item{display:grid;grid-template-columns:140px 90px 1fr;gap:10px;align-items:center;padding:8px 10px;border-radius:8px;background:#fff;border:1px solid var(--border)}
    .tier-bal{font-size:.76rem;font-weight:700;color:var(--ink)}
    .tier-rate{font-size:.82rem;font-weight:800;text-align:center;padding:3px 8px;border-radius:6px}
    .high-rate{background:#ffebee;color:var(--red)}
    .mid-rate{background:#fff8e1;color:var(--amber)}
    .low-rate{background:#e8f5e9;color:var(--green)}
    .lower-rate{background:#e8f5e9;color:#005c3a}
    .best-rate{background:#dcfce7;color:#003d28}
    .tier-note{font-size:.72rem;color:var(--muted)}
    /* Trigger list */
    .trigger-list{display:flex;flex-direction:column;gap:6px;margin-top:8px}
    .trigger-item{padding:8px 12px;border-radius:8px;font-size:.79rem;font-weight:600}
    .red-trigger{background:#ffebee;color:#b71c1c}
    /* Call types */
    .call-types{display:flex;flex-direction:column;gap:8px}
    .call-type{display:flex;gap:12px;align-items:flex-start;padding:12px;background:#f7faff;border:1px solid var(--border);border-radius:10px}
    .call-badge{padding:4px 10px;border-radius:999px;font-size:.7rem;font-weight:800;white-space:nowrap;flex-shrink:0;margin-top:2px}
    .fed{background:#e3effe;color:var(--navy)}
    .maint{background:#fff8e1;color:var(--amber)}
    .house{background:#ffebee;color:var(--red)}
    .min{background:#f3f5f8;color:var(--muted)}
    .call-desc{font-size:.78rem;color:var(--muted);line-height:1.7}
    /* MC options */
    .mc-options{display:flex;flex-direction:column;gap:8px}
    .mc-option{display:flex;gap:12px;align-items:flex-start;padding:12px;border-radius:10px;font-size:.8rem;color:var(--muted);line-height:1.7}
    .green-opt{background:#e8f5e9;border:1px solid #a5d6a7}
    .red-opt{background:#ffebee;border:1px solid #ef9a9a}
    .mc-opt-num{width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:.78rem;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    /* Worked example block */
    .example-block{background:#f7faff;border:1px solid var(--border);border-radius:10px;overflow:hidden}
    .example-row{display:flex;justify-content:space-between;padding:7px 12px;font-size:.79rem;border-bottom:1px solid var(--border)}
    .example-row:last-child{border-bottom:none}
    .highlight-row{background:#e3effe;font-weight:700;color:var(--navy)}
    .ex-label{color:var(--muted)}
    .ex-val{font-weight:700;color:var(--ink)}
    /* Leverage comparison */
    .leverage-formula{background:#f0f4ff;border:1px solid #c5d3f0;border-radius:10px;padding:12px;margin:10px 0;text-align:center}
    .lev-title{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:4px}
    .lev-example{font-size:.78rem;color:var(--muted)}
    /* Scenario compare columns */
    .scenario-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:4px}
    .sc-col{border-radius:10px;overflow:hidden;border:1px solid var(--border)}
    .green-col{border-color:#a5d6a7}
    .red-col{border-color:#ef9a9a}
    .sc-col-title{padding:9px 12px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;text-align:center}
    .green-col .sc-col-title{background:#e8f5e9;color:#1b5e20}
    .red-col .sc-col-title{background:#ffebee;color:#b71c1c}
    .sc-rows{padding:0}
    .sc-row{display:flex;justify-content:space-between;padding:7px 12px;font-size:.77rem;border-top:1px solid var(--border)}
    .sc-row span:first-child{color:var(--muted)}
    .sc-row span:last-child{font-weight:600;color:var(--ink)}
    .strong-row{background:#f7faff}
    .green-row span:last-child{color:var(--green)}
    .red-row span:last-child{color:var(--red)}
    .big-pct{font-size:.92rem;font-weight:800}
    /* Break-even example */
    .breakeven-example{background:#f7faff;border:1px solid var(--border);border-radius:10px;overflow:hidden;margin:10px 0}
    .be-row{display:flex;justify-content:space-between;padding:7px 12px;font-size:.79rem;border-bottom:1px solid var(--border)}
    .be-row:last-child{border-bottom:none}
    .be-label{color:var(--muted)}
    .be-val{font-weight:700;color:var(--ink)}
    /* Net spread table */
    .spread-table{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin-top:10px}
    .spread-row{display:grid;grid-template-columns:120px 1fr 1fr;gap:0;padding:8px 12px;font-size:.76rem;border-bottom:1px solid var(--border)}
    .spread-row:last-child{border-bottom:none}
    .spread-header{background:var(--navy);color:#fff;font-weight:700;font-size:.72rem;text-transform:uppercase;letter-spacing:.04em}
    .spread-green{background:#e8f5e9;color:#1b5e20}
    .spread-amber{background:#fff8e1;color:#6d4c00}
    .spread-red{background:#ffebee;color:#b71c1c}
    /* Tax rules */
    .tax-rules{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:10px}
    .tax-rule{border-radius:10px;padding:13px}
    .green-rule{background:#e8f5e9;border:1px solid #a5d6a7}
    .red-rule{background:#ffebee;border:1px solid #ef9a9a}
    .tax-rule-title{font-family:Montserrat,sans-serif;font-size:.79rem;font-weight:800;margin-bottom:8px;color:var(--ink)}
    .tax-list{padding-left:14px;font-size:.76rem;color:var(--muted);line-height:1.9}
    /* NII grid */
    .nii-grid{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin:8px 0}
    .nii-item{padding:7px 10px;border-radius:6px;font-size:.76rem;font-weight:600}
    .green-nii{background:#e8f5e9;color:#1b5e20}
    .red-nii{background:#ffebee;color:#b71c1c}
    /* Tax steps */
    .tax-steps{display:flex;flex-direction:column;gap:10px}
    .tax-step{display:flex;gap:12px;align-items:flex-start;padding:12px;background:#f7faff;border:1px solid var(--border);border-radius:10px;font-size:.79rem;color:var(--muted);line-height:1.7}
    .tax-step-num{width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:.78rem;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    /* Responsive */
    @media(max-width:1000px){.edu-grid-2{grid-template-columns:1fr}.scenario-compare{grid-template-columns:1fr}.tax-rules{grid-template-columns:1fr}.tier-item{grid-template-columns:1fr 80px 1fr}}
    @media(max-width:640px){.wrap{padding:14px 10px 30px}.edu-tabs{flex-direction:column}.edu-tab{text-align:left}.nii-grid{grid-template-columns:1fr}.spread-row{grid-template-columns:1fr;gap:2px}.spread-row span:nth-child(2),.spread-row span:nth-child(3){display:block}}
     /* Section header */
    .sec-gap{margin-bottom:34px}
    .sec-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
    .sec-head h2{font-size:clamp(1.05rem,2.5vw,1.4rem);font-weight:800;color:var(--navy);line-height:1.2}
    .icon-box{width:38px;height:38px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
    .sec-desc{font-size:.86rem;color:var(--muted);margin-bottom:18px;max-width:900px;line-height:1.75}
    /* Alert strips */
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}
    .good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
    .bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    /* Disclaimer blocks */
    .disc-block{border-radius:14px;overflow:hidden;margin-bottom:14px}
    .disc-amber{border:1px solid #e0c04a;background:#fffdf0}
    .disc-navy{border:1px solid #c5d3f0;background:#f3f6ff}
    .disc-green{border:1px solid #86efac;background:#f0fdf6}
    .disc-header{display:flex;align-items:center;gap:10px;padding:14px 18px;font-family:Montserrat,sans-serif;font-size:.92rem;font-weight:800;color:var(--navy)}
    .disc-amber .disc-header{background:#fef6c8;border-bottom:1px solid #e0c04a}
    .disc-navy .disc-header{background:#e8eeff;border-bottom:1px solid #c5d3f0}
    .disc-green .disc-header{background:#dcfce7;border-bottom:1px solid #86efac}
    .disc-icon{font-size:1.1rem}
    .disc-label{font-size:.92rem;font-weight:800;color:var(--navy)}
    .disc-body{padding:18px}
    .disc-body>p{font-size:.83rem;color:var(--muted);line-height:1.8;margin-bottom:14px}
    /* Disclaimer grid items */
    .disc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:4px}
    .disc-item{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:10px;padding:12px;font-size:.79rem;color:var(--muted);line-height:1.7}
    .disc-item strong{color:var(--ink)}
    .disc-item-icon{width:22px;height:22px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;flex-shrink:0;margin-top:1px}
    .bad-icon{background:#ffebee;color:var(--red)}
    /* Transparency formula grid */
    .trans-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
    .trans-item{background:#fff;border:1px solid var(--border);border-radius:10px;padding:13px}
    .trans-title{font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;color:var(--navy);margin-bottom:5px}
    .trans-formula{background:#f0f4ff;border:1px solid #c5d3f0;border-radius:6px;padding:7px 10px;font-family:monospace;font-size:.78rem;color:var(--navy);margin-bottom:6px}
    .trans-note{font-size:.74rem;color:var(--muted);line-height:1.65}
    /* Integrity strip */
    .trans-integrity{display:grid;grid-template-columns:1fr 1fr;gap:10px;background:#e8eeff;border-radius:10px;padding:14px}
    .int-item{display:flex;gap:8px;align-items:flex-start;font-size:.78rem;color:var(--muted);line-height:1.6}
    .int-item strong{color:var(--ink)}
    .int-icon{font-size:1rem;flex-shrink:0;margin-top:1px}
    /* Reference section title */
    .refs-section-title{font-family:Montserrat,sans-serif;font-size:.84rem;font-weight:800;color:var(--navy);margin-bottom:10px;padding-bottom:6px;border-bottom:2px solid #86efac}
    /* Expanded ref cards */
    .refs-grid-expanded{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
    .ref-card{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid #86efac;border-radius:12px;padding:14px;text-decoration:none;transition:box-shadow .2s,border-color .2s}
    .ref-card:hover{border-color:var(--green);box-shadow:0 4px 16px rgba(0,135,90,.12)}
    .ref-card-icon{width:36px;height:36px;background:#dcfce7;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.05rem;flex-shrink:0}
    .ref-card-body{flex:1}
    .ref-card-title{font-family:Montserrat,sans-serif;font-size:.79rem;font-weight:800;color:var(--navy);margin-bottom:2px}
    .ref-card-org{font-size:.68rem;font-weight:700;color:var(--green);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
    .ref-card-desc{font-size:.74rem;color:var(--muted);line-height:1.6}
    /* Responsive */
    @media(max-width:1100px){.refs-grid-expanded{grid-template-columns:1fr}}
    @media(max-width:900px){.disc-grid,.trans-grid,.trans-integrity{grid-template-columns:1fr}}
    @media(max-width:640px){.wrap{padding:14px 10px 30px}.disc-body{padding:14px}.disc-item{flex-direction:column}.disc-item-icon{width:24px;height:24px}}
.layout {
  display: flex;
  gap: 2rem;
  align-items: flex-start;
}

/* Ensure the columns don't collapse to 0 width */
.layout > div {
  flex: 1; 
  min-width: 320px; /* Prevents the vertical text issue */
}

@media (max-width: 800px) {
  .layout {
    flex-direction: column; /* Stacks them on mobile */
  }
}
/* Target the inputs specifically within the broker boxes */
.broker-box input {
  width: 100%;
  /* Increase vertical padding for a thicker look */
  padding: 12px 15px; 
  
  /* Ensure the font size is legible */
  font-size: 1rem;
  font-weight: 500;
  
  /* Matches your screenshot's styling */
  border: none;
  border-radius: 4px;
  background-color: #047857; /* The dark green in your image */
  color: white;
  
  /* Standardizes height across different browsers */
  height: 48px; 
  box-sizing: border-box;
  
  transition: background-color 0.2s ease;
}

/* Add a slight hover/focus effect so users know they can type */
.broker-box input:focus {
  outline: 2px solid #34d399;
  background-color: #065f46;
}

/* Adjust the labels so they aren't cramped against the new thick inputs */
.broker-box .form-row {
  margin-bottom: 15px;
}

.broker-box label {
  display: block;
  font-size: 0.85rem;
  color: #6b7280;
  margin-bottom: 6px;
  font-weight: 600;
}
/* ============================================================
   📱 GLOBAL RESPONSIVE LOCKS & DATA GRID
   ============================================================ */

/* GLOBAL SAFE CONTAINER */
html, body, .wrap, .page-content, .calc-wrap, .card {
  box-sizing: border-box !important;
  max-width: 100vw !important;
  overflow-x: hidden !important;
}

@media (max-width: 900px) {
  /* Stack Loan A & Loan B Input Columns */
  .grid, .form-grid, .two-col, .calc-grid, .layout-grid {
    grid-template-columns: 1fr !important;
    display: grid !important;
    gap: 16px !important;
  }

  /* Safe Mobile Charts */
  .chart-wrap { width: 100% !important; max-width: 100% !important; overflow: hidden !important; }
  canvas { max-width: 100% !important; height: auto !important; }

  /* Modern Data Grid (Table Transformation) */
  table, thead, tbody, th, td, tr { display: block !important; width: 100% !important; }
  thead tr { position: absolute !important; top: -9999px !important; left: -9999px !important; }
  
  .card table tr {
      border: 1px solid var(--border);
      margin-bottom: 15px;
      border-radius: 12px;
      background: #fff;
      padding: 8px;
  }
  
  .card table td {
      border: none !important;
      border-bottom: 1px solid #f1f5f9 !important;
      position: relative !important;
      padding: 10px 10px 10px 45% !important;
      text-align: right !important;
      white-space: normal !important;
      word-break: break-word !important;
  }
  
  .card table td:last-child { border-bottom: 0 !important; }
  
  .card table td:before {
      content: attr(data-label);
      position: absolute;
      left: 12px;
      width: 40%;
      text-align: left;
      font-weight: 700;
      font-size: 0.75rem;
      color: var(--muted);
      text-transform: uppercase;
      line-height: 1.2;
  }
  
  /* Highlight the Winner column slightly on mobile */
  .card table td.win {
      color: var(--green) !important;
  }
}