/* ============================================================
   KADENCE CSS VARIABLES & BRAND STYLES – USFinanceCalculators.com
   ============================================================ */
:root {
  --navy: #002868; --navy-dark: #00183F; --navy-mid: #003580;
  --red: #BF0A30; --red-h: #9B0826; --green: #00875A; --green-h: #006644;
  --gold: #b88200; --orange: #da7101; --purple: #7c3aed;
  --charcoal: #1D1D1F; --gray: #5F6368; --border: #E0E4E8;
  --bg: #F7F9FC; --white: #FFFFFF;
  --sh-sm: 0 1px 4px rgba(0,40,104,0.08);
  --sh-md: 0 4px 20px rgba(0,40,104,0.12);
  --sh-lg: 0 8px 40px rgba(0,40,104,0.16);
  --r: 12px; --tr: 0.2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--gray);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── Typography & Contrast Patch ── */
#mdWrapper .panel-title, #mdWrapper .slabel, #mdWrapper .field label, #mdWrapper .metric-lbl, #mdWrapper .chart-title, #mdWrapper .notes-title { color: #1e293b !important; font-weight: 800 !important; }
#mdWrapper .iw input, #mdWrapper .iw select { font-weight: 600 !important; color: #0f172a !important; font-size: 15px !important; }
#mdWrapper .pfx, #mdWrapper .sfx { color: #334155 !important; font-weight: 800 !important; }
#mdWrapper .info-strip span, #mdWrapper .empty-s p { color: #64748b !important; font-weight: 500 !important; }

/* ── Master Bullet Fix for WP Themes ── */
#mdWrapper ul, #mdWrapper li { display: block !important; list-style-type: disc !important; list-style-position: outside !important; }
#mdWrapper ul { padding-left: 32px !important; margin-left: 0 !important; flex-direction: unset !important; }
#mdWrapper li { display: list-item !important; padding-left: 0 !important; margin-bottom: 8px !important; }
/* Override for notes-box so arrows work instead of disc bullets */
#mdWrapper .notes-box ul, #mdWrapper .notes-box li { list-style-type: none !important; padding-left: 0 !important; }
#mdWrapper .notes-box ul { padding-left: 0 !important; }

/* ============================================================
   BRAND HERO SECTION
   ============================================================ */
.hero { background: linear-gradient(135deg, #0f2540 0%, #1a3a5c 60%, #1e4d7b 100%); padding: 52px 20px 44px; text-align: center; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(60deg, rgba(255,255,255,.018) 0, rgba(255,255,255,.018) 1px, transparent 1px, transparent 18px); }
.hero-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
.badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(243,156,18,.15); border: 1px solid rgba(243,156,18,.4); color: #fcd34d; font-size: 12px; font-weight: 700; padding: 5px 16px; border-radius: 20px; margin-bottom: 18px; letter-spacing: .3px; }
.bdot { width: 7px; height: 7px; background: #fcd34d; border-radius: 50%; animation: blink 1.5s ease-in-out infinite; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .2; } }
.hero h1 { font-family: 'Montserrat', sans-serif; font-weight: 900; font-size: clamp(24px, 4.5vw, 42px); color: #ffffff !important; line-height: 1.15; margin-bottom: 14px; }
.hero h1 span { color: #FCD34D; }
.hero p { font-size: 15px; color: rgba(255,255,255,.83); max-width: 760px; margin: 0 auto 22px; line-height: 1.8; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }
.chip { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); color: rgba(255,255,255,.92); font-size: 12px; font-weight: 600; padding: 5px 14px; border-radius: 20px; }

/* ============================================================
   CALCULATOR WRAPPER & GRID
   ============================================================ */
.calc-wrapper { max-width: 1260px; margin: 0 auto; padding: 36px 22px 60px; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }

/* ============================================================
   PANELS & INPUTS
   ============================================================ */
.calc-panel { background: var(--white); border: 1px solid var(--border); border-radius: var(--r); padding: 24px; box-shadow: var(--sh-sm); }
.panel-title { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.pticon { width: 28px; height: 28px; background: rgba(0,40,104,.08); border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.info-strip { background: rgba(0,40,104,.05); border: 1px solid rgba(0,40,104,.12); border-radius: 8px; padding: 12px 16px; font-size: 13px; color: var(--gray); line-height: 1.6; margin-bottom: 18px; display: flex; align-items: flex-start; gap: 8px; }

.slabel { font-family: 'Montserrat', sans-serif; font-size: 11.5px; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .8px; margin: 24px 0 12px; display: flex; align-items: center; gap: 10px; }
.slabel::after { content: ''; flex: 1; height: 1px; background: var(--border); }

.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
/* ── FIX: .row3 was MISSING — 3-column grid for Cash & Budget ── */
.row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.field { display: flex; flex-direction: column; gap: 4px; }
.field label { font-size: 13px; font-weight: 600; color: var(--charcoal); }
.field label .hint { font-weight: 400; color: var(--gray); font-size: 11.5px; margin-left: 4px; }

.iw { position: relative; display: flex; align-items: center; }
.iw .pfx, .iw .sfx { position: absolute; font-size: 13px; font-weight: 600; color: var(--gray); pointer-events: none; z-index: 1; }
.iw .pfx { left: 10px; } .iw .sfx { right: 10px; }
.iw input, .iw select { width: 100%; padding: 10px 12px; border: 1.5px solid var(--border); border-radius: 8px; font-family: 'Inter', sans-serif; font-size: 14px; color: var(--charcoal); background: var(--white); outline: none; transition: border-color var(--tr), box-shadow var(--tr); -webkit-appearance: none; }
.iw input:focus, .iw select:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(0,40,104,.09); }
.iw.p input { padding-left: 26px; } .iw.s input { padding-right: 32px; }

/* ============================================================
   ACTIONS
   ============================================================ */
.calc-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 24px; padding-top: 24px; border-top: 1px solid var(--border); }
/* FIX: var(--shadow-md) → var(--sh-md) */
.btn-calc { flex: 1 1 160px; padding: 14px 20px; background: var(--navy); color: #fff; border: none; border-radius: 8px; font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; cursor: pointer; transition: all var(--tr); display: flex; align-items: center; justify-content: center; gap: 7px; }
.btn-calc:hover { background: var(--navy-dark); transform: translateY(-1px); box-shadow: var(--sh-md); }
.btn-sec { flex: 1 1 110px; padding: 13px 16px; border: none; border-radius: 8px; font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700; cursor: pointer; transition: all var(--tr); display: flex; align-items: center; justify-content: center; gap: 6px; }
.btn-pdf { background: var(--bg); color: var(--charcoal); border: 1.5px solid var(--border); }
.btn-pdf:hover { background: var(--charcoal); color: #fff; }
.btn-wa { background: #25D366; color: #fff; }
.btn-wa:hover { background: #1da851; }
.btn-rst { background: transparent; color: var(--gray); border: 1.5px solid var(--border); }
.btn-rst:hover { border-color: var(--navy); color: var(--navy); }
.hidden { display: none !important; }
.form-error { margin-top: 12px; font-size: 13px; font-weight: 600; color: var(--red); display: none; }

/* ============================================================
   RESULTS PANEL
   ============================================================ */
.res-panel { background: var(--bg); border: 1px solid var(--border); border-radius: var(--r); padding: 24px; box-shadow: var(--sh-sm); min-height: 500px; display: flex; flex-direction: column; }
.empty-s { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 48px 16px; flex: 1; }
.empty-s .ei { font-size: 48px; opacity: 0.3; margin-bottom: 14px; }
.empty-s h3 { font-family: 'Montserrat', sans-serif; font-size: 16px; font-weight: 700; color: var(--charcoal); margin-bottom: 6px; }
.empty-s p { font-size: 13.5px; color: var(--gray); max-width: 300px; line-height: 1.6; }
#rc { display: none; flex-direction: column; gap: 18px; }

/* Winner Box — FIX: var(--shadow-md) → var(--sh-md) */
.winner-box { background: linear-gradient(135deg, var(--navy) 0%, #0b3f92 100%); border-radius: 12px; padding: 22px 24px; color: #fff; box-shadow: var(--sh-md); position: relative; overflow: hidden; }
.winner-box::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at top right, rgba(255,255,255,0.1) 0%, transparent 60%); pointer-events: none; }
.winner-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; color: rgba(255,255,255,0.75); margin-bottom: 6px; }
.winner-title { font-family: 'Montserrat', sans-serif; font-size: clamp(20px, 3vw, 26px); font-weight: 900; line-height: 1.15; margin-bottom: 8px; position: relative; z-index: 1; }
.winner-text { font-size: 13.5px; line-height: 1.6; color: rgba(255,255,255,0.85); margin: 0; position: relative; z-index: 1; }

/* Metrics — FIX: var(--shadow-sm) → var(--sh-sm) */
.metrics-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.metric-card { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 16px 14px; text-align: center; box-shadow: var(--sh-sm); }
.metric-lbl { font-size: 11px; color: var(--gray); margin-bottom: 4px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }
.metric-val { font-family: 'Montserrat', sans-serif; font-size: 20px; font-weight: 800; color: var(--charcoal); line-height: 1.2; }

/* Table — FIX: var(--shadow-sm) → var(--sh-sm) */
.tbl-wrap { background: var(--white); border: 1px solid var(--border); border-radius: 10px; overflow-x: auto; box-shadow: var(--sh-sm); -webkit-overflow-scrolling: touch; }
.tbl-wrap table { width: 100%; border-collapse: collapse; font-size: 13px; min-width: 500px; }
.tbl-wrap th { background: rgba(0,40,104,0.05); color: var(--navy); padding: 12px 14px; text-align: left; font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.5px; border-bottom: 1px solid var(--border); white-space: nowrap; }
.tbl-wrap td { padding: 12px 14px; border-bottom: 1px solid var(--border); color: var(--charcoal); }
.tbl-wrap tr:last-child td { border-bottom: none; }
.option-tag { display: inline-flex; align-items: center; background: rgba(0,40,104,0.06); color: var(--navy); border-radius: 6px; padding: 4px 8px; font-size: 12px; font-weight: 700; }
.safe-badge { display: inline-flex; align-items: center; background: rgba(0,135,90,0.1); color: var(--green); border-radius: 20px; padding: 3px 10px; font-size: 11.5px; font-weight: 700; }
.warning-badge { display: inline-flex; align-items: center; background: rgba(191,10,48,0.1); color: var(--red); border-radius: 20px; padding: 3px 10px; font-size: 11.5px; font-weight: 700; }
/* Mobile scroll hint for table */
.tbl-scroll-hint { display: none; font-size: 11px; color: var(--gray); text-align: center; padding: 6px 0; font-weight: 500; }

/* Chart — FIX: var(--shadow-sm) → var(--sh-sm) */
.chart-box { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 16px; box-shadow: var(--sh-sm); }
.chart-title { font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 800; color: var(--charcoal); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 14px; }
.chart-wrap { position: relative; height: 260px; }

/* Notes */
.notes-box { background: rgba(217,119,6,0.05); border: 1px solid rgba(217,119,6,0.2); border-radius: 10px; padding: 16px 20px; }
.notes-title { font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 800; color: var(--orange); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 10px; display: flex; align-items: center; gap: 6px; }
.notes-box ul { list-style: none !important; display: flex; flex-direction: column; gap: 6px; margin: 0; padding: 0 !important; }
.notes-box li { font-size: 13px; color: var(--charcoal); display: flex !important; align-items: flex-start; gap: 8px; line-height: 1.5; }
.notes-box li::before { content: "\2192"; color: var(--orange); font-weight: 700; flex-shrink: 0; margin-top: 1px; }

/* ============================================================
   RESPONSIVE — MOBILE OPTIMIZATION
   ============================================================ */

/* ── Tablet: ≤960px ── */
@media (max-width: 960px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-wrapper { padding: 28px 16px 48px; }
  .res-panel { min-height: auto; }
}

/* ── Small Tablet / Large Phone: ≤768px ── */
@media (max-width: 768px) {
  .hero { padding: 40px 16px 36px; }
  .hero p { font-size: 14px; line-height: 1.7; margin-bottom: 18px; }
  .badge { font-size: 11px; padding: 4px 12px; }
  .chip { font-size: 11px; padding: 4px 12px; }
  .calc-panel, .res-panel { padding: 20px 16px; }
  .row3 { grid-template-columns: 1fr; }
  .metrics-grid { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .metric-val { font-size: 17px; }
  .tbl-scroll-hint { display: block; }
}

/* ── Phone: ≤480px ── */
@media (max-width: 480px) {
  .hero { padding: 32px 14px 28px; }
  .hero h1 { font-size: clamp(20px, 6vw, 28px); margin-bottom: 10px; }
  .hero p { font-size: 13px; margin-bottom: 14px; }
  .badge { font-size: 10px; padding: 3px 10px; margin-bottom: 12px; }
  .chips { gap: 6px; }
  .chip { font-size: 10px; padding: 3px 10px; }
  .calc-wrapper { padding: 20px 10px 36px; }
  .calc-grid { gap: 16px; }
  .calc-panel, .res-panel { padding: 16px 12px; border-radius: 10px; }
  .panel-title { font-size: 12.5px; gap: 6px; }
  .pticon { width: 24px; height: 24px; font-size: 12px; }
  .slabel { font-size: 10.5px; margin: 18px 0 10px; }
  .row2 { grid-template-columns: 1fr; gap: 12px; }
  .row3 { grid-template-columns: 1fr; gap: 12px; }
  .field label { font-size: 12.5px; }
  .field label .hint { font-size: 10.5px; }
  .iw input, .iw select { padding: 9px 10px; font-size: 14px; border-radius: 7px; }
  .iw.p input { padding-left: 24px; }
  .iw.s input { padding-right: 30px; }
  .iw .pfx { font-size: 12px; left: 8px; }
  .iw .sfx { font-size: 12px; right: 8px; }

  .calc-actions { gap: 8px; margin-top: 18px; padding-top: 18px; }
  .btn-calc { flex: 1 1 100%; padding: 14px 16px; font-size: 13.5px; }
  .btn-sec { flex: 1 1 calc(33.33% - 6px); padding: 11px 10px; font-size: 11.5px; gap: 4px; }

  .winner-box { padding: 18px 16px; border-radius: 10px; }
  .winner-label { font-size: 10px; }
  .winner-title { font-size: clamp(16px, 4.5vw, 22px); }
  .winner-text { font-size: 12.5px; }

  .metrics-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; }
  .metric-card { padding: 12px 10px; border-radius: 8px; }
  .metric-lbl { font-size: 10px; letter-spacing: 0.3px; }
  .metric-val { font-size: 16px; }

  .tbl-wrap { border-radius: 8px; }
  .tbl-wrap th { padding: 10px 10px; font-size: 10px; }
  .tbl-wrap td { padding: 10px 10px; font-size: 12px; }
  .option-tag { font-size: 11px; padding: 3px 6px; }
  .safe-badge, .warning-badge { font-size: 10.5px; padding: 2px 8px; }

  .chart-box { padding: 12px; border-radius: 8px; }
  .chart-title { font-size: 11.5px; margin-bottom: 10px; }
  .chart-wrap { height: 220px; }

  .notes-box { padding: 14px 12px; border-radius: 8px; }
  .notes-title { font-size: 11.5px; }
  .notes-box li { font-size: 12px; }

  .empty-s { padding: 32px 12px; }
  .empty-s .ei { font-size: 36px; }
  .empty-s h3 { font-size: 14px; }
  .empty-s p { font-size: 12.5px; }
}

/* ── Tiny Phone: ≤360px ── */
@media (max-width: 360px) {
  .hero h1 { font-size: 19px; }
  .calc-wrapper { padding: 16px 8px 28px; }
  .calc-panel, .res-panel { padding: 14px 10px; }
  .metrics-grid { grid-template-columns: 1fr 1fr; gap: 6px; }
  .metric-val { font-size: 15px; }
  .btn-sec { flex: 1 1 calc(50% - 4px); }
}

/* ── Safe area for notched phones ── */
@supports (padding: max(0px)) {
  .hero { padding-left: max(16px, env(safe-area-inset-left)); padding-right: max(16px, env(safe-area-inset-right)); }
  .calc-wrapper { padding-left: max(10px, env(safe-area-inset-left)); padding-right: max(10px, env(safe-area-inset-right)); }
}

/* ── Touch target minimum 44px ── */
@media (hover: none) and (pointer: coarse) {
  .iw input, .iw select { min-height: 44px; }
  .btn-calc, .btn-sec { min-height: 44px; }
}


/* ============================================================
   HOW-TO SECTION — matches Medical Debt Repayment Plan tokens
   ============================================================ */
.htu-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow divider (reuses .slabel pattern) ── */
.htu-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.htu-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Section card (reuses .calc-panel pattern) ── */
.htu-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.htu-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.htu-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.htu-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.htu-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 820px;
}

/* ── Steps container ── */
.htu-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
}

/* ── Individual step ── */
.htu-step {
  display: flex;
  gap: 18px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
  align-items: flex-start;
}
.htu-step:first-child {
  padding-top: 0;
}
.htu-step:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

/* ── Step number circle ── */
.htu-num {
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 15px;
  line-height: 1;
}

/* ── Step body text ── */
.htu-body {
  flex: 1;
  min-width: 0;
}
.htu-body h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 5px;
  line-height: 1.3;
}
.htu-body p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.65;
  max-width: none;
}

/* ── Inline tip badge (reuses .info-strip tonal feel) ── */
.htu-tip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 8px;
  background: rgba(0,40,104,.06);
  color: var(--navy);
  font-size: 12px;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 6px;
  line-height: 1.4;
}
.htu-tip-icon {
  font-size: 12px;
  flex-shrink: 0;
}

/* ── Bottom info strip (reuses .info-strip pattern) ── */
.htu-footer-strip {
  background: rgba(0,135,90,.06);
  border: 1px solid rgba(0,135,90,.18);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 24px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.htu-footer-strip strong {
  color: var(--green);
}

/* ============================================================
   RESPONSIVE — HOW-TO SECTION
   ============================================================ */
@media (max-width: 960px) {
  .htu-card {
    padding: 24px 22px 28px;
  }
}

@media (max-width: 768px) {
  .htu-wrapper {
    padding: 0 16px 48px;
  }
  .htu-card {
    padding: 20px 18px 24px;
    border-radius: 10px;
  }
  .htu-step {
    gap: 14px;
    padding: 16px 0;
  }
  .htu-num {
    width: 34px;
    height: 34px;
    font-size: 14px;
  }
  .htu-body h4 {
    font-size: 14px;
  }
  .htu-body p {
    font-size: 13px;
  }
  .htu-subtitle {
    font-size: 13px;
  }
  .htu-tip {
    font-size: 11px;
    padding: 3px 10px;
  }
  .htu-footer-strip {
    font-size: 12.5px;
    padding: 12px 14px;
    flex-direction: column;
    gap: 6px;
  }
}

@media (max-width: 480px) {
  .htu-wrapper {
    padding: 0 12px 40px;
  }
  .htu-card {
    padding: 16px 14px 20px;
  }
  .htu-eyebrow {
    font-size: 10.5px;
    margin-bottom: 18px;
  }
  .htu-title {
    font-size: 13px;
  }
  .htu-step {
    gap: 12px;
    padding: 14px 0;
  }
  .htu-num {
    width: 30px;
    height: 30px;
    font-size: 13px;
  }
  .htu-body h4 {
    font-size: 13px;
  }
  .htu-body p {
    font-size: 12.5px;
    line-height: 1.6;
  }
  .htu-subtitle {
    font-size: 12.5px;
    margin-bottom: 18px;
  }
  .htu-tip {
    font-size: 10.5px;
    padding: 3px 8px;
  }
  .htu-footer-strip {
    font-size: 12px;
    padding: 10px 12px;
  }
}

/* ============================================================
   WHAT-IS SECTION — matches Medical Debt Repayment Plan tokens
   ============================================================ */
.wis-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow divider (reuses .slabel pattern) ── */
.wis-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.wis-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main card (reuses .calc-panel) ── */
.wis-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.wis-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.wis-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.wis-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.wis-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 820px;
}

/* ── H2 Inside Card ── */
.wis-card h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(18px, 2.2vw, 24px);
  font-weight: 800;
  color: var(--charcoal);
  line-height: 1.25;
  margin-bottom: 10px;
}

/* ── Body paragraphs ── */
.wis-card .wis-p {
  font-size: 14.5px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 18px;
  max-width: 820px;
}

/* ── Stats banner (hero-stats tonal pattern) ── */
.wis-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 28px;
}
.wis-stat {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px 14px;
  text-align: center;
}
.wis-stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.1;
  display: block;
}
.wis-stat-val.red   { color: var(--red); }
.wis-stat-val.green { color: var(--green); }
.wis-stat-val.gold  { color: var(--gold); }
.wis-stat-lbl {
  font-size: 11px;
  color: var(--gray);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-top: 6px;
  display: block;
  line-height: 1.35;
}

/* ── Section divider inside card (reuses .slabel) ── */
.wis-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 28px 0 18px;
}
.wis-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Two-column text blocks ── */
.wis-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 22px;
}
.wis-block {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px 16px;
}
.wis-block h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.wis-block p {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.6;
}

/* ── Breakdown list (who's affected) ── */
.wis-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 22px;
}
.wis-list-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
}
.wis-list-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.wis-list-icon.navy   { background: rgba(0,40,104,.1); }
.wis-list-icon.red    { background: rgba(191,10,48,.1); }
.wis-list-icon.green  { background: rgba(0,135,90,.1); }
.wis-list-icon.gold   { background: rgba(184,130,0,.1); }
.wis-list-text {
  flex: 1;
  min-width: 0;
}
.wis-list-text strong {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--charcoal);
  margin-bottom: 2px;
}
.wis-list-text span {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.55;
}

/* ── Callout (reuses calculator .callout pattern) ── */
.wis-callout {
  border-left: 4px solid var(--navy);
  background: var(--white);
  padding: 14px 18px;
  border-radius: 0 10px 10px 0;
  margin-top: 6px;
  margin-bottom: 22px;
  font-size: 14px;
  line-height: 1.65;
  color: var(--charcoal);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
}
.wis-callout.red-c  { border-left-color: var(--red); }
.wis-callout.green-c { border-left-color: var(--green); }
.wis-callout strong { color: var(--navy); }
.wis-callout.red-c strong { color: var(--red); }
.wis-callout.green-c strong { color: var(--green); }

/* ── Bottom info strip (green, reuses .info-strip) ── */
.wis-footer-strip {
  background: rgba(0,40,104,.05);
  border: 1px solid rgba(0,40,104,.14);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 24px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

/* ============================================================
   RESPONSIVE — WHAT-IS SECTION
   ============================================================ */
@media (max-width: 960px) {
  .wis-card { padding: 24px 22px 28px; }
  .wis-stats { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .wis-wrapper { padding: 0 16px 48px; }
  .wis-card { padding: 20px 18px 24px; border-radius: 10px; }
  .wis-stats { grid-template-columns: repeat(2, 1fr); gap: 10px; }
  .wis-stat { padding: 14px 12px; }
  .wis-stat-val { font-size: 20px; }
  .wis-stat-lbl { font-size: 10px; }
  .wis-two-col { grid-template-columns: 1fr; gap: 12px; }
  .wis-card h2 { font-size: 18px; }
  .wis-card .wis-p { font-size: 13.5px; }
  .wis-subtitle { font-size: 13px; }
  .wis-block { padding: 14px; }
  .wis-block h4 { font-size: 12.5px; }
  .wis-block p { font-size: 13px; }
  .wis-list-item { padding: 12px 14px; gap: 10px; }
  .wis-list-icon { width: 28px; height: 28px; font-size: 14px; }
  .wis-list-text strong { font-size: 12.5px; }
  .wis-list-text span { font-size: 12.5px; }
  .wis-callout { padding: 12px 14px; font-size: 13px; }
  .wis-footer-strip { font-size: 12.5px; padding: 12px 14px; flex-direction: column; gap: 6px; }
  .wis-divider { margin: 22px 0 14px; }
}

@media (max-width: 480px) {
  .wis-wrapper { padding: 0 12px 40px; }
  .wis-card { padding: 16px 14px 20px; }
  .wis-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .wis-title { font-size: 13px; }
  .wis-stats { gap: 8px; }
  .wis-stat { padding: 12px 10px; border-radius: 8px; }
  .wis-stat-val { font-size: 18px; }
  .wis-stat-lbl { font-size: 9.5px; }
  .wis-card h2 { font-size: 16px; }
  .wis-card .wis-p { font-size: 13px; line-height: 1.6; }
  .wis-subtitle { font-size: 12.5px; margin-bottom: 18px; }
  .wis-block { padding: 12px; border-radius: 8px; }
  .wis-block h4 { font-size: 12px; }
  .wis-block p { font-size: 12px; }
  .wis-list-item { padding: 10px 12px; gap: 8px; border-radius: 8px; }
  .wis-list-icon { width: 26px; height: 26px; font-size: 13px; border-radius: 6px; }
  .wis-list-text strong { font-size: 12px; }
  .wis-list-text span { font-size: 12px; line-height: 1.5; }
  .wis-callout { padding: 10px 12px; font-size: 12.5px; }
  .wis-footer-strip { font-size: 12px; padding: 10px 12px; }
  .wis-divider { font-size: 10.5px; margin: 18px 0 12px; }
}

/* ============================================================
   EXAMPLES SECTION — matches Medical Debt Repayment Plan tokens
   ============================================================ */
.rwe-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow (reuses .slabel) ── */
.rwe-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.rwe-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card (reuses .calc-panel) ── */
.rwe-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.rwe-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.rwe-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.rwe-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.rwe-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 820px;
}

/* ── Scenario cards grid ── */
.rwe-grid {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

/* ── Single scenario card ── */
.rwe-scenario {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
}

/* ── Scenario header bar ── */
.rwe-sc-head {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  background: var(--white);
}
.rwe-sc-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 13px;
  color: #fff;
  flex-shrink: 0;
}
.rwe-sc-num.navy  { background: var(--navy); }
.rwe-sc-num.red   { background: var(--red); }
.rwe-sc-num.green { background: var(--green); }
.rwe-sc-num.gold  { background: var(--gold); }
.rwe-sc-num.purple{ background: var(--purple); }
.rwe-sc-info {
  flex: 1;
  min-width: 0;
}
.rwe-sc-info h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.25;
  margin: 0 0 3px;
}
.rwe-sc-tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 600;
  padding: 2px 10px;
  border-radius: 999px;
  line-height: 1.3;
}
.rwe-sc-tag.navy  { background: rgba(0,40,104,.1); color: var(--navy); }
.rwe-sc-tag.red   { background: rgba(191,10,48,.1); color: var(--red); }
.rwe-sc-tag.green { background: rgba(0,135,90,.1); color: var(--green); }
.rwe-sc-tag.gold  { background: rgba(184,130,0,.1); color: var(--gold); }
.rwe-sc-tag.purple{ background: rgba(124,58,237,.1); color: var(--purple); }

/* ── Scenario body ── */
.rwe-sc-body {
  padding: 18px 20px;
}
.rwe-sc-body > p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.65;
  margin-bottom: 16px;
  max-width: none;
}

/* ── Inputs & Output mini grid ── */
.rwe-io {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 16px;
}
.rwe-io-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px;
}
.rwe-io-box h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.rwe-io-box h3.out-label { color: var(--green); }
.rwe-io-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 4px 0;
  font-size: 13px;
  line-height: 1.4;
}
.rwe-io-row:not(:last-child) {
  border-bottom: 1px dashed rgba(0,40,104,.1);
  padding-bottom: 6px;
  margin-bottom: 6px;
}
.rwe-io-key {
  color: var(--gray);
  font-weight: 500;
}
.rwe-io-val {
  font-weight: 700;
  color: var(--charcoal);
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
}
.rwe-io-val.highlight {
  color: var(--green);
}

/* ── Winner badge row ── */
.rwe-winner {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(0,40,104,.06);
  border: 1px solid rgba(0,40,104,.14);
  border-radius: 8px;
  padding: 12px 16px;
}
.rwe-winner-icon {
  font-size: 18px;
  flex-shrink: 0;
}
.rwe-winner-text {
  font-size: 13.5px;
  color: var(--charcoal);
  line-height: 1.5;
  font-weight: 500;
}
.rwe-winner-text strong {
  font-weight: 800;
  color: var(--navy);
}

/* ── Bottom CTA strip ── */
.rwe-cta-strip {
  background: rgba(0,135,90,.06);
  border: 1px solid rgba(0,135,90,.18);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 28px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.rwe-cta-strip strong {
  color: var(--green);
}

/* ============================================================
   RESPONSIVE — EXAMPLES SECTION
   ============================================================ */
@media (max-width: 960px) {
  .rwe-card { padding: 24px 22px 28px; }
}

@media (max-width: 768px) {
  .rwe-wrapper { padding: 0 16px 48px; }
  .rwe-card { padding: 20px 18px 24px; border-radius: 10px; }
  .rwe-grid { gap: 14px; }
  .rwe-sc-head { padding: 14px 16px; gap: 10px; }
  .rwe-sc-num { width: 28px; height: 28px; font-size: 12px; }
  .rwe-sc-info h3 { font-size: 14px; }
  .rwe-sc-tag { font-size: 10px; padding: 2px 8px; }
  .rwe-sc-body { padding: 14px 16px; }
  .rwe-sc-body > p { font-size: 13px; margin-bottom: 14px; }
  .rwe-io { grid-template-columns: 1fr; gap: 10px; }
  .rwe-io-box { padding: 12px; }
  .rwe-io-box h3 { font-size: 10.5px; }
  .rwe-io-row { font-size: 12.5px; }
  .rwe-io-val { font-size: 12.5px; }
  .rwe-winner { padding: 10px 14px; gap: 8px; }
  .rwe-winner-text { font-size: 12.5px; }
  .rwe-subtitle { font-size: 13px; }
  .rwe-cta-strip { font-size: 12.5px; padding: 12px 14px; flex-direction: column; gap: 6px; }
}

@media (max-width: 480px) {
  .rwe-wrapper { padding: 0 12px 40px; }
  .rwe-card { padding: 16px 14px 20px; }
  .rwe-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .rwe-title { font-size: 13px; }
  .rwe-subtitle { font-size: 12.5px; margin-bottom: 20px; }
  .rwe-grid { gap: 12px; }
  .rwe-sc-head { padding: 12px 14px; }
  .rwe-sc-num { width: 26px; height: 26px; font-size: 11px; }
  .rwe-sc-info h3 { font-size: 13px; }
  .rwe-sc-tag { font-size: 9.5px; }
  .rwe-sc-body { padding: 12px 14px; }
  .rwe-sc-body > p { font-size: 12.5px; line-height: 1.6; }
  .rwe-io-box { padding: 10px 12px; border-radius: 6px; }
  .rwe-io-box h3 { font-size: 10px; margin-bottom: 6px; }
  .rwe-io-row { font-size: 12px; }
  .rwe-io-val { font-size: 12px; }
  .rwe-winner { padding: 10px 12px; border-radius: 6px; }
  .rwe-winner-icon { font-size: 16px; }
  .rwe-winner-text { font-size: 12px; }
  .rwe-cta-strip { font-size: 12px; padding: 10px 12px; }
}

/* ============================================================
   PRO TIPS SECTION — matches Medical Debt Repayment Plan tokens
   ============================================================ */
.ptw-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow (reuses .slabel) ── */
.ptw-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.ptw-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card (reuses .calc-panel) ── */
.ptw-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.ptw-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.ptw-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.ptw-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.ptw-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 820px;
}

/* ── Category divider (reuses .slabel) ── */
.ptw-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 18px;
}
.ptw-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.ptw-divider.second { margin-top: 32px; }

/* ── Tips grid — 2 columns ── */
.ptw-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

/* ── Single tip card ── */
.ptw-tip {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}

/* ── Tip header ── */
.ptw-tip-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}
.ptw-tip-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
  flex-shrink: 0;
}
.ptw-tip-icon.navy   { background: rgba(0,40,104,.1); }
.ptw-tip-icon.red    { background: rgba(191,10,48,.1); }
.ptw-tip-icon.green  { background: rgba(0,135,90,.1); }
.ptw-tip-icon.gold   { background: rgba(184,130,0,.1); }
.ptw-tip-icon.purple { background: rgba(124,58,237,.1); }
.ptw-tip-icon.orange { background: rgba(218,113,1,.1); }

.ptw-tip h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.25;
  margin: 0;
}

/* ── Tip body ── */
.ptw-tip p {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.65;
  margin: 0;
}
.ptw-tip p strong {
  color: var(--charcoal);
  font-weight: 700;
}

/* ── Inline source tag ── */
.ptw-source {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 10px;
  background: rgba(0,40,104,.06);
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 6px;
  line-height: 1.3;
  align-self: flex-start;
}

/* ── Warning callout (reuses .callout red) ── */
.ptw-callout {
  border-left: 4px solid var(--red);
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--red);
  padding: 14px 18px;
  border-radius: 0 10px 10px 0;
  margin-top: 22px;
  font-size: 14px;
  line-height: 1.65;
  color: var(--charcoal);
}
.ptw-callout strong { color: var(--red); }
.ptw-callout.navy-c { border-left-color: var(--navy); }
.ptw-callout.navy-c strong { color: var(--navy); }

/* ── Bottom CTA strip ── */
.ptw-footer-strip {
  background: rgba(0,135,90,.06);
  border: 1px solid rgba(0,135,90,.18);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 28px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.ptw-footer-strip strong { color: var(--green); }

/* ============================================================
   RESPONSIVE — PRO TIPS SECTION
   ============================================================ */
@media (max-width: 960px) {
  .ptw-card { padding: 24px 22px 28px; }
}

@media (max-width: 768px) {
  .ptw-wrapper { padding: 0 16px 48px; }
  .ptw-card { padding: 20px 18px 24px; border-radius: 10px; }
  .ptw-grid { grid-template-columns: 1fr; gap: 12px; }
  .ptw-tip { padding: 16px 16px 18px; }
  .ptw-tip-icon { width: 30px; height: 30px; font-size: 15px; border-radius: 7px; }
  .ptw-tip h3 { font-size: 13.5px; }
  .ptw-tip p { font-size: 13px; }
  .ptw-tip-head { gap: 8px; margin-bottom: 8px; }
  .ptw-subtitle { font-size: 13px; }
  .ptw-source { font-size: 10.5px; padding: 3px 8px; }
  .ptw-callout { padding: 12px 14px; font-size: 13px; }
  .ptw-divider.second { margin-top: 24px; }
  .ptw-footer-strip { font-size: 12.5px; padding: 12px 14px; flex-direction: column; gap: 6px; }
}

@media (max-width: 480px) {
  .ptw-wrapper { padding: 0 12px 40px; }
  .ptw-card { padding: 16px 14px 20px; }
  .ptw-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .ptw-title { font-size: 13px; }
  .ptw-subtitle { font-size: 12.5px; margin-bottom: 20px; }
  .ptw-grid { gap: 10px; }
  .ptw-tip { padding: 14px 14px 16px; border-radius: 8px; }
  .ptw-tip-icon { width: 28px; height: 28px; font-size: 14px; border-radius: 6px; }
  .ptw-tip h3 { font-size: 13px; }
  .ptw-tip p { font-size: 12.5px; line-height: 1.6; }
  .ptw-source { font-size: 10px; padding: 2px 8px; margin-top: 8px; }
  .ptw-callout { padding: 10px 12px; font-size: 12.5px; }
  .ptw-divider { font-size: 10.5px; margin-bottom: 14px; }
  .ptw-divider.second { margin-top: 20px; }
  .ptw-footer-strip { font-size: 12px; padding: 10px 12px; }
}

/* ============================================================
   STATE-BY-STATE MEDICAL DEBT LAWS — matches calculator tokens
   ============================================================ */
.sbl-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow ── */
.sbl-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.sbl-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card ── */
.sbl-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.sbl-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.sbl-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.sbl-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.sbl-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 880px;
}

/* ── Federal baseline callout ── */
.sbl-federal {
  background: rgba(0,40,104,.04);
  border: 1px solid rgba(0,40,104,.14);
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 28px;
}
.sbl-federal-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.sbl-federal-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 10px;
}
.sbl-federal-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 14px;
}
.sbl-federal-item .sbl-fi-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: .3px;
  margin-bottom: 4px;
}
.sbl-federal-item .sbl-fi-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--navy);
}
.sbl-federal-item .sbl-fi-note {
  font-size: 11.5px;
  color: var(--gray);
  line-height: 1.5;
  margin-top: 4px;
}

/* ── Category divider ── */
.sbl-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 18px;
}
.sbl-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Search / filter bar ── */
.sbl-search-bar {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 16px;
}
.sbl-search-input {
  flex: 1;
  height: 40px;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 0 14px;
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  color: var(--charcoal);
  background: var(--bg);
  outline: none;
  transition: border-color .2s;
}
.sbl-search-input:focus { border-color: var(--navy); }
.sbl-search-input::placeholder { color: #A0A5AB; }

.sbl-filter-pills {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.sbl-pill {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 20px;
  border: 1px solid var(--border);
  background: var(--white);
  color: var(--gray);
  cursor: pointer;
  transition: all .2s;
  white-space: nowrap;
}
.sbl-pill:hover { border-color: var(--navy); color: var(--navy); }
.sbl-pill.active { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ── State table ── */
.sbl-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin-bottom: 6px;
  border: 1px solid var(--border);
  border-radius: 10px;
}
.sbl-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 780px;
}
.sbl-table thead th {
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .5px;
  background: var(--bg);
  padding: 12px 14px;
  text-align: left;
  border-bottom: 2px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 2;
  white-space: nowrap;
}
.sbl-table tbody tr { border-bottom: 1px solid var(--border); }
.sbl-table tbody tr:last-child { border-bottom: none; }
.sbl-table tbody tr:hover { background: rgba(0,40,104,.025); }
.sbl-table tbody tr.sbl-hidden { display: none; }
.sbl-table td {
  padding: 11px 14px;
  color: var(--charcoal);
  vertical-align: middle;
  line-height: 1.5;
}
.sbl-table td:first-child {
  font-weight: 700;
  white-space: nowrap;
}

/* ── Badge system ── */
.sbl-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 6px;
  line-height: 1.3;
  white-space: nowrap;
}
.sbl-badge.strong   { background: rgba(0,135,90,.1);  color: #00875A; }
.sbl-badge.moderate { background: rgba(0,40,104,.08); color: var(--navy); }
.sbl-badge.limited  { background: rgba(218,113,1,.1); color: #C05C00; }
.sbl-badge.minimal  { background: rgba(191,10,48,.08); color: #BF0A30; }

.sbl-badge.yes { background: rgba(0,135,90,.1);  color: #00875A; }
.sbl-badge.no  { background: rgba(191,10,48,.08); color: #9E0A2B; }
.sbl-badge.partial { background: rgba(184,130,0,.1); color: #8B6914; }

/* ── No results message ── */
.sbl-no-results {
  text-align: center;
  padding: 32px 16px;
  color: var(--gray);
  font-size: 14px;
  display: none;
}

/* ── Table count ── */
.sbl-table-count {
  font-size: 12px;
  color: var(--gray);
  margin-bottom: 14px;
  font-weight: 500;
}

/* ── Key highlights section ── */
.sbl-highlights {
  margin-top: 28px;
}
.sbl-hl-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.sbl-hl-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px 18px 20px;
}
.sbl-hl-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}
.sbl-hl-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.sbl-hl-icon.green  { background: rgba(0,135,90,.1); }
.sbl-hl-icon.red    { background: rgba(191,10,48,.1); }
.sbl-hl-icon.navy   { background: rgba(0,40,104,.1); }
.sbl-hl-icon.purple { background: rgba(124,58,237,.1); }

.sbl-hl-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--charcoal);
  margin: 0;
  line-height: 1.25;
}
.sbl-hl-card p {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.65;
  margin: 0;
}
.sbl-hl-card p strong { color: var(--charcoal); }
.sbl-hl-states {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  margin-top: 10px;
}
.sbl-hl-tag {
  font-size: 11px;
  font-weight: 600;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 2px 9px;
  border-radius: 5px;
  color: var(--charcoal);
}

/* ── Warning callout ── */
.sbl-callout {
  border: 1px solid var(--border);
  border-left: 4px solid var(--red);
  background: var(--white);
  padding: 14px 18px;
  border-radius: 0 10px 10px 0;
  margin-top: 24px;
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--charcoal);
}
.sbl-callout strong { color: var(--red); }
.sbl-callout.navy-c { border-left-color: var(--navy); }
.sbl-callout.navy-c strong { color: var(--navy); }

/* ── CTA strip ── */
.sbl-footer-strip {
  background: rgba(0,135,90,.06);
  border: 1px solid rgba(0,135,90,.18);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 24px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.sbl-footer-strip strong { color: var(--green); }

/* ── Scroll hint (mobile) ── */
.sbl-scroll-hint {
  display: none;
  font-size: 11.5px;
  color: var(--gray);
  margin-bottom: 8px;
  align-items: center;
  gap: 5px;
}

/* ============================================================
   RESPONSIVE — STATE-BY-STATE
   ============================================================ */
@media (max-width: 960px) {
  .sbl-card { padding: 24px 22px 28px; }
  .sbl-federal-grid { grid-template-columns: 1fr 1fr 1fr; }
}

@media (max-width: 768px) {
  .sbl-wrapper { padding: 0 16px 48px; }
  .sbl-card { padding: 20px 18px 24px; border-radius: 10px; }
  .sbl-search-bar { flex-direction: column; gap: 8px; }
  .sbl-search-input { width: 100%; }
  .sbl-filter-pills { width: 100%; }
  .sbl-federal-grid { grid-template-columns: 1fr; gap: 8px; }
  .sbl-hl-grid { grid-template-columns: 1fr; gap: 12px; }
  .sbl-hl-card { padding: 16px 16px 18px; }
  .sbl-hl-card h3 { font-size: 13px; }
  .sbl-hl-card p { font-size: 12.5px; }
  .sbl-scroll-hint { display: flex; }
  .sbl-subtitle { font-size: 13px; }
  .sbl-callout { padding: 12px 14px; font-size: 13px; }
  .sbl-footer-strip { font-size: 12.5px; padding: 12px 14px; flex-direction: column; gap: 6px; }
}

@media (max-width: 480px) {
  .sbl-wrapper { padding: 0 12px 40px; }
  .sbl-card { padding: 16px 14px 20px; }
  .sbl-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .sbl-title { font-size: 13px; }
  .sbl-subtitle { font-size: 12.5px; margin-bottom: 18px; }
  .sbl-federal { padding: 14px 14px; border-radius: 8px; }
  .sbl-federal-title { font-size: 11.5px; }
  .sbl-federal-item .sbl-fi-val { font-size: 14px; }
  .sbl-federal-item .sbl-fi-note { font-size: 11px; }
  .sbl-pill { font-size: 11px; padding: 5px 12px; }
  .sbl-divider { font-size: 10.5px; margin-bottom: 14px; }
  .sbl-hl-icon { width: 28px; height: 28px; font-size: 14px; border-radius: 6px; }
  .sbl-hl-card h3 { font-size: 12.5px; }
  .sbl-hl-card p { font-size: 12px; }
  .sbl-hl-tag { font-size: 10px; padding: 2px 7px; }
  .sbl-callout { padding: 10px 12px; font-size: 12.5px; }
  .sbl-footer-strip { font-size: 12px; padding: 10px 12px; }
  .sbl-table { font-size: 12px; min-width: 680px; }
  .sbl-table thead th { font-size: 10px; padding: 10px 10px; }
  .sbl-table td { padding: 9px 10px; }
}

/* ============================================================
   FAQ SECTION — matches Medical Debt Calculator tokens
   ============================================================ */
.faq-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow ── */
.faq-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.faq-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card ── */
.faq-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.faq-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.faq-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.faq-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.faq-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 860px;
}

/* ── Category divider ── */
.faq-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 16px;
}
.faq-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.faq-divider.mt { margin-top: 28px; }

/* ── Category icon pill ── */
.faq-div-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11.5px;
  white-space: nowrap;
}

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

/* ── Single accordion item ── */
.faq-item {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item:hover { box-shadow: 0 2px 8px rgba(0,40,104,.05); }
.faq-item.open { box-shadow: 0 2px 12px rgba(0,40,104,.07); }
.faq-item.open .faq-q { color: var(--navy); }
.faq-item.open .faq-q-icon { transform: rotate(45deg); color: var(--navy); }
.faq-item.open .faq-q-num { background: var(--navy); color: #fff; }

/* ── Question button ── */
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.4;
  transition: color .2s;
}
.faq-q:hover { color: var(--navy); }

.faq-q-num {
  width: 28px;
  height: 28px;
  min-width: 28px;
  border-radius: 7px;
  background: rgba(0,40,104,.08);
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all .25s;
}

.faq-q-text { flex: 1; }

.faq-q-icon {
  width: 22px;
  height: 22px;
  min-width: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 300;
  color: var(--gray);
  transition: transform .3s cubic-bezier(.4,0,.2,1), color .2s;
  line-height: 1;
}

/* ── Answer panel ── */
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s cubic-bezier(.4,0,.2,1), padding .35s;
}
.faq-item.open .faq-a {
  max-height: 600px;
}
.faq-a-inner {
  padding: 0 18px 18px 58px;
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
}
.faq-a-inner strong { color: var(--charcoal); }
.faq-a-inner a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.faq-a-inner a:hover { color: var(--red); }

/* ── Inline list inside answers ── */
.faq-a-inner ul {
  margin: 8px 0 4px 0;
  padding-left: 18px;
}
.faq-a-inner ul li {
  margin-bottom: 4px;
  line-height: 1.65;
}
.faq-a-inner ul li::marker { color: var(--navy); }

/* ── Tip box inside answer ── */
.faq-tip {
  background: rgba(0,40,104,.04);
  border: 1px solid rgba(0,40,104,.12);
  border-radius: 8px;
  padding: 10px 14px;
  margin-top: 12px;
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--charcoal);
}
.faq-tip strong { color: var(--navy); }

.faq-tip-green {
  background: rgba(0,135,90,.05);
  border: 1px solid rgba(0,135,90,.14);
}
.faq-tip-green strong { color: var(--green); }

.faq-tip-red {
  background: rgba(191,10,48,.04);
  border: 1px solid rgba(191,10,48,.12);
}
.faq-tip-red strong { color: var(--red); }

/* ── Expand / Collapse all bar ── */
.faq-toggle-bar {
  display: flex;
  justify-content: flex-end;
  gap: 8px;
  margin-bottom: 16px;
}
.faq-toggle-btn {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: var(--navy);
  background: rgba(0,40,104,.06);
  border: 1px solid rgba(0,40,104,.14);
  border-radius: 6px;
  padding: 6px 14px;
  cursor: pointer;
  transition: all .2s;
}
.faq-toggle-btn:hover {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

/* ── Bottom CTA strip ── */
.faq-footer-strip {
  background: rgba(0,135,90,.06);
  border: 1px solid rgba(0,135,90,.18);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.65;
  margin-top: 28px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.faq-footer-strip strong { color: var(--green); }

/* ============================================================
   RESPONSIVE — FAQ SECTION
   ============================================================ */
@media (max-width: 960px) {
  .faq-card { padding: 24px 22px 28px; }
}

@media (max-width: 768px) {
  .faq-wrapper { padding: 0 16px 48px; }
  .faq-card { padding: 20px 18px 24px; border-radius: 10px; }
  .faq-q { font-size: 13.5px; padding: 14px 14px; gap: 10px; }
  .faq-q-num { width: 26px; height: 26px; min-width: 26px; font-size: 10.5px; border-radius: 6px; }
  .faq-q-icon { width: 20px; height: 20px; min-width: 20px; font-size: 18px; }
  .faq-a-inner { padding: 0 14px 16px 50px; font-size: 13px; }
  .faq-subtitle { font-size: 13px; }
  .faq-tip { font-size: 12px; padding: 8px 12px; }
  .faq-footer-strip { font-size: 12.5px; padding: 12px 14px; flex-direction: column; gap: 6px; }
  .faq-divider.mt { margin-top: 22px; }
}

@media (max-width: 480px) {
  .faq-wrapper { padding: 0 12px 40px; }
  .faq-card { padding: 16px 14px 20px; }
  .faq-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .faq-title { font-size: 13px; }
  .faq-subtitle { font-size: 12.5px; margin-bottom: 20px; }
  .faq-group { gap: 6px; }
  .faq-item { border-radius: 8px; }
  .faq-q { font-size: 13px; padding: 12px 12px; gap: 8px; }
  .faq-q-num { width: 24px; height: 24px; min-width: 24px; font-size: 10px; border-radius: 5px; }
  .faq-q-icon { width: 18px; height: 18px; min-width: 18px; font-size: 16px; }
  .faq-a-inner { padding: 0 12px 14px 44px; font-size: 12.5px; line-height: 1.65; }
  .faq-a-inner ul { padding-left: 14px; }
  .faq-a-inner ul li { font-size: 12.5px; }
  .faq-tip { font-size: 11.5px; padding: 8px 10px; }
  .faq-divider { font-size: 10.5px; margin-bottom: 12px; }
  .faq-toggle-btn { font-size: 11px; padding: 5px 11px; }
  .faq-footer-strip { font-size: 12px; padding: 10px 12px; }
}

/* ============================================================
   RELATED CALCULATORS — matches calculator design tokens
   ============================================================ */
.rlc-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow ── */
.rlc-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.rlc-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card ── */
.rlc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.rlc-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.rlc-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.rlc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.rlc-subtitle {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 860px;
}

/* ── Calculator cards grid — 3 columns ── */
.rlc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 14px;
}

/* ── Single calculator link card ── */
.rlc-link {
  display: flex;
  flex-direction: column;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px 18px 22px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow .25s, border-color .25s, transform .25s;
  position: relative;
  overflow: hidden;
}
.rlc-link:hover {
  box-shadow: 0 4px 18px rgba(0,40,104,.09);
  border-color: rgba(0,40,104,.22);
  transform: translateY(-2px);
}
.rlc-link:active { transform: translateY(0); }

/* ── Top row: icon + badge ── */
.rlc-link-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}
.rlc-link-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.rlc-link-icon.navy   { background: rgba(0,40,104,.08); }
.rlc-link-icon.red    { background: rgba(191,10,48,.08); }
.rlc-link-icon.green  { background: rgba(0,135,90,.08); }
.rlc-link-icon.purple { background: rgba(124,58,237,.08); }
.rlc-link-icon.orange { background: rgba(218,113,1,.08); }
.rlc-link-icon.gold   { background: rgba(184,130,0,.08); }

.rlc-badge {
  font-family: 'Montserrat', sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .5px;
  padding: 3px 9px;
  border-radius: 5px;
  line-height: 1.3;
}
.rlc-badge.popular  { background: rgba(191,10,48,.08); color: #BF0A30; }
.rlc-badge.new      { background: rgba(0,135,90,.08);  color: #00875A; }
.rlc-badge.related  { background: rgba(0,40,104,.06);  color: var(--navy); }
.rlc-badge.advanced { background: rgba(124,58,237,.08); color: #7C3AED; }

/* ── Category tag ── */
.rlc-cat {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .5px;
  color: var(--gray);
  margin-bottom: 6px;
}

/* ── Card name ── */
.rlc-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 14.5px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
  margin-bottom: 8px;
}
.rlc-link:hover .rlc-name { color: var(--navy); }

/* ── Card description ── */
.rlc-desc {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 14px;
}

/* ── Use-case pills ── */
.rlc-uses {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
  margin-bottom: 14px;
}
.rlc-use {
  font-size: 10.5px;
  font-weight: 600;
  background: var(--white);
  border: 1px solid var(--border);
  padding: 3px 9px;
  border-radius: 5px;
  color: var(--charcoal);
  white-space: nowrap;
}

/* ── Bottom CTA arrow ── */
.rlc-cta {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--navy);
  margin-top: auto;
}
.rlc-cta-arrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  background: rgba(0,40,104,.08);
  border-radius: 6px;
  font-size: 13px;
  transition: background .2s, transform .2s;
}
.rlc-link:hover .rlc-cta-arrow {
  background: var(--navy);
  color: #fff;
  transform: translateX(3px);
}

/* ── Divider line between groups ── */
.rlc-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 24px 0 18px;
}
.rlc-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── "View All" footer strip ── */
.rlc-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(0,40,104,.04);
  border: 1px solid rgba(0,40,104,.12);
  border-radius: 8px;
  padding: 14px 18px;
  margin-top: 24px;
}
.rlc-footer-text {
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.5;
}
.rlc-footer-text strong { color: var(--navy); }
.rlc-footer-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: #fff;
  background: var(--navy);
  padding: 9px 18px;
  border-radius: 7px;
  text-decoration: none;
  transition: background .2s, transform .2s;
  white-space: nowrap;
  flex-shrink: 0;
}
.rlc-footer-btn:hover { background: #001a44; transform: translateY(-1px); }

/* ============================================================
   RESPONSIVE — RELATED CALCULATORS
   ============================================================ */
@media (max-width: 960px) {
  .rlc-card { padding: 24px 22px 28px; }
  .rlc-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .rlc-wrapper { padding: 0 16px 48px; }
  .rlc-card { padding: 20px 18px 24px; border-radius: 10px; }
  .rlc-grid { grid-template-columns: 1fr; gap: 12px; }
  .rlc-link { padding: 18px 16px 20px; }
  .rlc-link-icon { width: 38px; height: 38px; font-size: 18px; border-radius: 9px; }
  .rlc-name { font-size: 14px; }
  .rlc-desc { font-size: 12.5px; }
  .rlc-subtitle { font-size: 13px; }
  .rlc-footer { flex-direction: column; gap: 12px; align-items: flex-start; }
  .rlc-footer-text { font-size: 12.5px; }
  .rlc-footer-btn { width: 100%; justify-content: center; }
  .rlc-use { font-size: 10px; padding: 2px 8px; }
  .rlc-divider { margin: 20px 0 14px; }
}

@media (max-width: 480px) {
  .rlc-wrapper { padding: 0 12px 40px; }
  .rlc-card { padding: 16px 14px 20px; }
  .rlc-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .rlc-title { font-size: 13px; }
  .rlc-subtitle { font-size: 12.5px; margin-bottom: 20px; }
  .rlc-grid { gap: 10px; }
  .rlc-link { padding: 16px 14px 18px; border-radius: 8px; }
  .rlc-link-icon { width: 36px; height: 36px; font-size: 17px; border-radius: 8px; }
  .rlc-badge { font-size: 9px; padding: 2px 7px; }
  .rlc-cat { font-size: 9.5px; }
  .rlc-name { font-size: 13.5px; margin-bottom: 6px; }
  .rlc-desc { font-size: 12px; line-height: 1.55; margin-bottom: 10px; }
  .rlc-cta { font-size: 11px; }
  .rlc-cta-arrow { width: 22px; height: 22px; font-size: 12px; }
  .rlc-use { font-size: 9.5px; padding: 2px 7px; }
  .rlc-divider { font-size: 10.5px; margin: 16px 0 12px; }
  .rlc-footer { padding: 12px 14px; }
  .rlc-footer-text { font-size: 12px; }
  .rlc-footer-btn { font-size: 11px; padding: 8px 16px; }
}

/* ============================================================
   DISCLAIMER SECTION — matches calculator design tokens
   ============================================================ */
.dsc-wrapper {
  max-width: 1260px;
  margin: 0 auto;
  padding: 0 22px 60px;
}

/* ── Section eyebrow ── */
.dsc-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.dsc-eyebrow::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Main container card ── */
.dsc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 28px 28px 32px;
  box-shadow: var(--sh-sm);
}

/* ── Card header ── */
.dsc-head {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.dsc-head-icon {
  width: 28px;
  height: 28px;
  background: rgba(191,10,48,.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}
.dsc-title-row {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.dsc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .5px;
}
.dsc-ymyl-badge {
  font-family: 'Montserrat', sans-serif;
  font-size: 9.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .5px;
  padding: 3px 10px;
  border-radius: 5px;
  background: rgba(191,10,48,.08);
  color: #BF0A30;
  line-height: 1.3;
}

/* ── Critical warning banner ── */
.dsc-warning {
  background: rgba(191,10,48,.04);
  border: 1px solid rgba(191,10,48,.15);
  border-left: 4px solid var(--red);
  border-radius: 0 10px 10px 0;
  padding: 16px 20px;
  margin: 20px 0 28px;
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--charcoal);
}
.dsc-warning strong { color: var(--red); }
.dsc-warning-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: .4px;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}

/* ── Section divider ── */
.dsc-divider {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .8px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 0 16px;
}
.dsc-divider::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--border);
}
.dsc-divider.mt { margin-top: 28px; }

/* ── Info block (paragraph-based) ── */
.dsc-block {
  font-size: 13.5px;
  color: var(--gray);
  line-height: 1.75;
  margin-bottom: 20px;
}
.dsc-block strong { color: var(--charcoal); }
.dsc-block a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 600;
}
.dsc-block a:hover { color: var(--red); }

/* ── Operator identity card ── */
.dsc-operator {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px 20px;
  margin-bottom: 20px;
}
.dsc-op-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 24px;
}
.dsc-op-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.dsc-op-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  color: var(--gray);
}
.dsc-op-val {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.4;
}

/* ── "We are NOT" list ── */
.dsc-not-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px;
  margin: 14px 0 20px;
}
.dsc-not-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.5;
}
.dsc-not-x {
  width: 20px;
  height: 20px;
  min-width: 20px;
  background: rgba(191,10,48,.08);
  color: #BF0A30;
  border-radius: 5px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 800;
  margin-top: 1px;
}

/* ── Editorial transparency checklist ── */
.dsc-check-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin: 14px 0 20px;
}
.dsc-check-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 13px;
  color: var(--charcoal);
  line-height: 1.55;
}
.dsc-check-icon {
  width: 20px;
  height: 20px;
  min-width: 20px;
  background: rgba(0,135,90,.08);
  color: #00875A;
  border-radius: 5px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 800;
  margin-top: 1px;
}

/* ── Government resources grid ── */
.dsc-gov-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin: 14px 0 0;
}
.dsc-gov-link {
  display: flex;
  align-items: center;
  gap: 10px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 14px 16px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow .2s, border-color .2s;
}
.dsc-gov-link:hover {
  box-shadow: 0 2px 10px rgba(0,40,104,.07);
  border-color: rgba(0,40,104,.2);
}
.dsc-gov-icon {
  width: 36px;
  height: 36px;
  min-width: 36px;
  background: rgba(0,40,104,.07);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
}
.dsc-gov-info {
  display: flex;
  flex-direction: column;
  gap: 1px;
  min-width: 0;
}
.dsc-gov-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
}
.dsc-gov-desc {
  font-size: 11.5px;
  color: var(--gray);
  line-height: 1.4;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.dsc-gov-link:hover .dsc-gov-name { color: var(--navy); }

/* ── Limitation box ── */
.dsc-limit-box {
  background: rgba(184,130,0,.05);
  border: 1px solid rgba(184,130,0,.18);
  border-left: 4px solid #B88200;
  border-radius: 0 10px 10px 0;
  padding: 14px 18px;
  margin-top: 20px;
  font-size: 13px;
  line-height: 1.7;
  color: var(--charcoal);
}
.dsc-limit-box strong { color: #8B6914; }

/* ── Footer signature strip ── */
.dsc-footer {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 20px;
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
}
.dsc-footer-left {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.dsc-footer-brand {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--charcoal);
  text-transform: uppercase;
  letter-spacing: .4px;
}
.dsc-footer-sub {
  font-size: 12px;
  color: var(--gray);
  line-height: 1.4;
}
.dsc-footer-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  background: rgba(0,40,104,.06);
  border: 1px solid rgba(0,40,104,.14);
  padding: 7px 16px;
  border-radius: 6px;
  transition: all .2s;
  white-space: nowrap;
}
.dsc-footer-link:hover {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

/* ============================================================
   RESPONSIVE — DISCLAIMER SECTION
   ============================================================ */
@media (max-width: 960px) {
  .dsc-card { padding: 24px 22px 28px; }
}

@media (max-width: 768px) {
  .dsc-wrapper { padding: 0 16px 48px; }
  .dsc-card { padding: 20px 18px 24px; border-radius: 10px; }
  .dsc-op-grid { grid-template-columns: 1fr; gap: 10px; }
  .dsc-not-list { grid-template-columns: 1fr; gap: 5px; }
  .dsc-gov-grid { grid-template-columns: 1fr; gap: 8px; }
  .dsc-block { font-size: 13px; }
  .dsc-warning { padding: 14px 16px; font-size: 13px; }
  .dsc-check-item { font-size: 12.5px; }
  .dsc-not-item { font-size: 12.5px; }
  .dsc-gov-link { padding: 12px 14px; }
  .dsc-gov-name { font-size: 11.5px; }
  .dsc-gov-desc { font-size: 11px; }
  .dsc-limit-box { padding: 12px 14px; font-size: 12.5px; }
  .dsc-footer { flex-direction: column; align-items: flex-start; gap: 12px; }
  .dsc-footer-link { width: 100%; text-align: center; }
  .dsc-subtitle { font-size: 13px; }
  .dsc-divider.mt { margin-top: 22px; }
}

@media (max-width: 480px) {
  .dsc-wrapper { padding: 0 12px 40px; }
  .dsc-card { padding: 16px 14px 20px; }
  .dsc-eyebrow { font-size: 10.5px; margin-bottom: 18px; }
  .dsc-title { font-size: 13px; }
  .dsc-ymyl-badge { font-size: 9px; padding: 2px 8px; }
  .dsc-warning { padding: 12px 14px; font-size: 12.5px; }
  .dsc-warning-title { font-size: 11px; }
  .dsc-block { font-size: 12.5px; line-height: 1.65; }
  .dsc-operator { padding: 14px 14px; }
  .dsc-op-label { font-size: 9.5px; }
  .dsc-op-val { font-size: 12.5px; }
  .dsc-not-item { font-size: 12px; }
  .dsc-not-x { width: 18px; height: 18px; min-width: 18px; font-size: 10px; }
  .dsc-check-item { font-size: 12px; }
  .dsc-check-icon { width: 18px; height: 18px; min-width: 18px; font-size: 10px; }
  .dsc-gov-link { padding: 10px 12px; }
  .dsc-gov-icon { width: 32px; height: 32px; min-width: 32px; font-size: 15px; border-radius: 7px; }
  .dsc-gov-name { font-size: 11px; }
  .dsc-gov-desc { font-size: 10.5px; }
  .dsc-limit-box { padding: 10px 12px; font-size: 12px; }
  .dsc-divider { font-size: 10.5px; margin-bottom: 12px; }
  .dsc-footer { padding: 12px 14px; }
  .dsc-footer-brand { font-size: 11px; }
  .dsc-footer-sub { font-size: 11px; }
  .dsc-footer-link { font-size: 11px; padding: 7px 14px; }
}

/* ============================================================
   MASTER MOBILE FIX: GRID OVERFLOW KILLER
   ============================================================ */
@media screen and (max-width: 768px) {
  /* 1. Stop the document from allowing horizontal scroll */
  html, body {
    overflow-x: hidden !important;
  }
  
  /* 2. Force CSS Grid children to shrink inside the viewport */
  .calc-grid, 
  .calc-grid > * {
    min-width: 0 !important;
    max-width: 100vw !important;
  }

  /* 3. Lock the main wrapper and panels to screen width */
  .calc-wrapper, .calc-panel, .res-panel {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
  }
  
  /* 4. Ensure the table wrapper scrolls smoothly and respects parent bounds */
  .tbl-wrap {
    display: block !important;
    width: 100% !important;
    max-width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }
}