:root{
  --navy:#002868;--green:#00843D;--red:#BF0A30;
  --light-bg:#F8F9FF;--card-bg:#FFFFFF;--border:#D0D5E8;
  --text:#1A1F36;--muted:#6B7280;--yellow-bg:#FFFBEB;
  --yellow-border:#FCD34D;--yellow-text:#92400E;
  --radius:12px;--shadow:0 2px 12px rgba(0,40,104,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}

/* Header */
.calc-header{background:linear-gradient(135deg,var(--navy) 0%,#003a99 100%);color:#fff;padding:36px 28px;border-radius:var(--radius);margin-bottom:24px;text-align:center}
.calc-header .eyebrow{font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;opacity:.75;margin-bottom:8px}
.calc-header h1{font-size:clamp(1.4rem,4vw,2rem);margin-bottom:8px}
.calc-header p{opacity:.85;font-size:.93rem;max-width:640px;margin:0 auto}

/* AdSense */
.ad-slot{background:#eef2ff;border:1px dashed var(--border);border-radius:8px;padding:14px;text-align:center;color:var(--muted);font-size:.82rem;margin:16px 0}

/* Tabs */
.tabs{display:flex;border-bottom:2px solid var(--border);margin-bottom:24px;overflow-x:auto;gap:0}
.tab-btn{padding:11px 20px;border:none;background:none;cursor:pointer;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.85rem;color:var(--muted);border-bottom:3px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:all .2s}
.tab-btn.active{color:var(--navy);border-bottom-color:var(--green)}
.tab-panel{display:none}.tab-panel.active{display:block}

/* Grid */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
@media(max-width:768px){.grid-2{grid-template-columns:1fr}}

/* Cards */
.card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* Fields */
.fg{margin-bottom:13px}
.fg label{display:block;font-weight:500;font-size:.87rem;margin-bottom:5px}
.fg .hint{font-size:.77rem;color:var(--muted);margin-top:3px}
.fg input[type=number],.fg select{width:100%;border:1px solid var(--border);border-radius:8px;padding:10px 14px;font-size:.93rem;font-family:'Inter',sans-serif;color:var(--text);background:#fff;outline:none;transition:border-color .2s}
.fg input[type=number]:focus,.fg select:focus{border-color:var(--navy)}
.prefix{position:relative}
.prefix span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted)}
.prefix input{padding-left:26px}

/* Slider */
.sl-wrap{display:flex;align-items:center;gap:10px;margin-top:4px}
.sl-wrap input[type=range]{flex:1;accent-color:var(--green)}
.sl-chip{background:var(--navy);color:#fff;border-radius:6px;padding:3px 10px;font-weight:700;font-size:.88rem;min-width:58px;text-align:center}

/* Alerts */
.alert{border-radius:8px;padding:10px 14px;font-size:.84rem;margin:10px 0;display:none}
.alert.show{display:flex;gap:8px;align-items:flex-start}
.alert-red{background:#fff0f0;border:1px solid #fca5a5;color:#991b1b}
.alert-yellow{background:var(--yellow-bg);border:1px solid var(--yellow-border);color:var(--yellow-text)}
.alert-green{background:#f0fdf4;border:1px solid #86efac;color:#166534}
.alert-blue{background:#eff6ff;border:1px solid #93c5fd;color:#1e40af}

/* Buttons */
.btn-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.btn{padding:11px 20px;border-radius:8px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;cursor:pointer;border:none;transition:opacity .2s;white-space:nowrap}
.btn:hover{opacity:.87}
.btn-green{background:var(--green);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-clear{background:transparent;color:var(--red);border:2px solid var(--red)}
.btn-wa{background:#25D366;color:#fff}

/* Results */
.result-card{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:18px}
.rrow{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--border);font-size:.9rem}
.rrow:last-child{border-bottom:none}
.rrow .lbl{color:var(--muted);font-size:.83rem}
.rrow .val{font-weight:600}
.rrow.highlight{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.2rem;color:var(--green);padding:12px 0;border-top:2px solid var(--green);border-bottom:none;margin-top:4px}
.rrow.deduct .val{color:var(--red)}
.tier-badge{display:inline-block;padding:3px 10px;border-radius:20px;font-size:.78rem;font-weight:700;letter-spacing:.04em}
.tier-0{background:#dcfce7;color:#166534}
.tier-1{background:#fef9c3;color:#854d0e}
.tier-2{background:#ffedd5;color:#9a3412}
.tier-3{background:#fee2e2;color:#991b1b}
.tier-4{background:#fce7f3;color:#9d174d}
.tier-5{background:#ede9fe;color:#5b21b6}

/* Bracket table */
.bracket-table{width:100%;border-collapse:collapse;font-size:.84rem;margin-top:10px}
.bracket-table th{background:var(--navy);color:#fff;padding:8px 12px;font-family:'Montserrat',sans-serif;font-size:.78rem;text-align:left}
.bracket-table td{padding:8px 12px;border-bottom:1px solid var(--border)}
.bracket-table tr.active-tier td{background:#eff6ff;font-weight:700;border-left:3px solid var(--green)}
.bracket-table tr:nth-child(even) td{background:#f8f9ff}
.bracket-table tr.active-tier:nth-child(even) td{background:#eff6ff}

/* =========================================================
   📊 CHART.JS CONTAINER FIX
   ========================================================= */
.chart-wrap { 
  position: relative; 
  height: 260px; /* Forces a stable height so the chart can't collapse */
  width: 100%;
  padding: 10px 16px 20px; 
  display: flex;
  justify-content: center;
  align-items: center;
}

.chart-wrap canvas { 
  max-width: 100% !important; 
  max-height: 100% !important; 
}

/* Colossus-style score */
.gauge-bar{height:18px;border-radius:9px;background:#D0D5E8;overflow:hidden;margin:8px 0;position:relative}
.gauge-fill{height:100%;border-radius:9px;transition:width .4s,background .4s}

/* Appeal checker */
.lce-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:12px 0}
@media(max-width:600px){.lce-grid{grid-template-columns:1fr}}
.lce-item{display:flex;align-items:center;gap:8px;padding:10px 12px;border:1px solid var(--border);border-radius:8px;cursor:pointer;font-size:.87rem;transition:all .2s}
.lce-item.selected{border-color:var(--green);background:#f0fdf4;font-weight:600}
.lce-item input[type=checkbox]{accent-color:var(--green);width:16px;height:16px;cursor:pointer}

/* Roth section */
.roth-scenario{background:#eff6ff;border:1px solid #93c5fd;border-radius:10px;padding:16px;margin-top:12px}
.cliff-warning{background:#fff7ed;border:2px solid #fb923c;border-radius:8px;padding:12px;font-size:.85rem;color:#9a3412;margin-top:10px;display:none}
.cliff-warning.show{display:flex;gap:8px}

/* Year comparison table */
.year-table{width:100%;border-collapse:collapse;font-size:.84rem}
.year-table th{background:var(--navy);color:#fff;padding:8px 12px;font-family:'Montserrat',sans-serif;font-size:.78rem}
.year-table td{padding:8px 12px;border-bottom:1px solid var(--border);text-align:right}
.year-table td:first-child{text-align:left;font-weight:600}
.year-table tr:nth-child(even) td{background:#f8f9ff}

@media(max-width:768px){
  .btn-row{flex-direction:column}
  .btn{width:100%;text-align:center}
}
.placeholder-msg{text-align:center;color:var(--muted);padding:28px 10px;font-size:.9rem}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ── HOW THIS CALCULATOR WORKS — Section Styles ── */
.hiw-card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-top:28px}
.hiw-intro{font-size:.91rem;color:var(--muted);max-width:820px;margin-bottom:22px;line-height:1.7}

/* Step-by-step list */
.hiw-steps{display:grid;gap:0;margin-bottom:26px}
.hiw-step{display:grid;grid-template-columns:50px 1fr;gap:16px;padding:18px 0;border-bottom:1px solid var(--border);align-items:start}
.hiw-step:last-child{border-bottom:none}
.hiw-num{width:44px;height:44px;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:1rem;flex-shrink:0;margin-top:2px}
.hiw-body h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.94rem;color:var(--navy);margin-bottom:6px}
.hiw-body p{font-size:.88rem;color:var(--text);line-height:1.65;margin-bottom:8px}
.hiw-body p:last-child{margin-bottom:0}
.pill-row{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}
.pill{display:inline-block;background:var(--light-bg);border:1px solid var(--border);border-radius:6px;padding:3px 10px;font-size:.78rem;font-weight:600;color:var(--navy);white-space:nowrap}
.pill-green{background:#f0fdf4;border-color:#86efac;color:#166534}
.pill-blue{background:#eff6ff;border-color:#93c5fd;color:#1e40af}
.pill-red{background:#fff0f0;border-color:#fca5a5;color:#991b1b}

/* Input detail cards */
.hiw-input-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:18px 0}
.hiw-input-card{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:16px}
.hiw-input-card .inp-num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.25rem;color:var(--green);line-height:1;margin-bottom:6px}
.hiw-input-card h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.87rem;color:var(--navy);margin-bottom:6px}
.hiw-input-card p{font-size:.82rem;color:var(--muted);line-height:1.55;margin:0}

/* Two-year lookback visual */
.lookback-band{background:linear-gradient(135deg,#eff6ff 0%,#f0fdf4 100%);border:1.5px solid #93c5fd;border-radius:12px;padding:20px;margin:20px 0}
.lookback-band h3{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.94rem;color:#1e40af;margin-bottom:14px}
.lb-timeline{display:flex;align-items:stretch;gap:0;border-radius:8px;overflow:hidden;border:1px solid #bfdbfe}
.lb-box{flex:1;padding:14px 12px;text-align:center;background:#fff;border-right:1px solid #bfdbfe}
.lb-box:last-child{border-right:none}
.lb-box.active{background:var(--navy)}
.lb-year{display:block;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.1rem;line-height:1;margin-bottom:4px;color:var(--navy)}
.lb-box.active .lb-year{color:#fff}
.lb-desc{font-size:.77rem;color:var(--muted);display:block;line-height:1.4}
.lb-box.active .lb-desc{color:rgba(255,255,255,.75)}
.lb-arrow-wrap{display:flex;align-items:center;padding:0 6px;background:#eff6ff}
.lb-arrow-wrap svg{color:var(--green)}
.lb-note{display:flex;gap:8px;align-items:flex-start;margin-top:12px;padding:10px 12px;background:#fff;border:1px solid #bfdbfe;border-radius:8px;font-size:.83rem;color:#1e40af}
.lb-note strong{flex-shrink:0}

/* MAGI Formula box */
.formula-box{background:#f8f9ff;border:1px solid var(--border);border-radius:10px;padding:18px;margin:18px 0}
.formula-box .f-title{font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.f-row{display:flex;justify-content:space-between;align-items:center;padding:8px 10px;border-bottom:1px dashed var(--border);font-size:.88rem}
.f-row:last-child{border-bottom:none;background:var(--navy);border-radius:7px;padding:10px 12px;margin-top:8px;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9rem}
.f-row .f-op{color:var(--green);font-weight:800;font-family:'Montserrat',sans-serif;font-size:.88rem}
.f-row .f-label{color:var(--text)}
.f-row:last-child .f-label,.f-row:last-child .f-op{color:#fff}

/* Output cards */
.hiw-output-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:18px 0}
.hiw-output-card{border:1.5px solid var(--border);border-radius:10px;padding:16px;text-align:center;background:#fff}
.hiw-output-card .out-icon{font-size:1.5rem;margin-bottom:8px}
.hiw-output-card h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.87rem;color:var(--navy);margin-bottom:5px}
.hiw-output-card p{font-size:.8rem;color:var(--muted);margin:0;line-height:1.5}
.hiw-output-card.featured{border-color:var(--green);border-width:2px}
.hiw-output-card.featured h4{color:var(--green)}

/* Tab breakdown */
.hiw-tab-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.hiw-tab-card{border:1.5px solid var(--border);border-radius:10px;padding:18px;background:#fff}
.tab-pill{display:inline-block;background:var(--navy);color:#fff;border-radius:6px;padding:4px 11px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.73rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:11px}
.hiw-tab-card h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.91rem;color:var(--navy);margin-bottom:8px}
.hiw-tab-card ul{list-style:none;padding:0;display:grid;gap:6px;margin:0}
.hiw-tab-card ul li{font-size:.84rem;color:var(--muted);padding-left:16px;position:relative;line-height:1.5}
.hiw-tab-card ul li::before{content:'›';position:absolute;left:0;color:var(--green);font-weight:700;font-size:1rem}

/* How bracket lookup works */
.bracket-explainer{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;overflow:hidden;margin:18px 0}
.be-head{background:var(--navy);color:#fff;padding:11px 16px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.84rem;display:grid;grid-template-columns:1.4fr .8fr .8fr .8fr;gap:8px}
.be-row{padding:10px 16px;border-bottom:1px solid var(--border);display:grid;grid-template-columns:1.4fr .8fr .8fr .8fr;gap:8px;font-size:.83rem;align-items:center}
.be-row:last-child{border-bottom:none}
.be-row:nth-child(even){background:#fff}
.be-row.you{background:#eff6ff;font-weight:600;border-left:3px solid var(--green)}
.tier-dot{width:10px;height:10px;border-radius:50%;display:inline-block;margin-right:6px}
.t0{background:#22c55e}.t1{background:#eab308}.t2{background:#f97316}.t3{background:#ef4444}.t4{background:#ec4899}.t5{background:#a855f7}

/* Info callout */
.info-callout{display:flex;gap:12px;align-items:flex-start;background:#eff6ff;border:1px solid #93c5fd;border-radius:10px;padding:14px 16px;font-size:.85rem;color:#1e40af;margin:18px 0}
.info-callout svg{flex-shrink:0;margin-top:2px}

/* Responsive */
@media(max-width:900px){
  .hiw-input-grid{grid-template-columns:1fr 1fr}
  .hiw-output-grid{grid-template-columns:1fr 1fr}
  .be-head,.be-row{grid-template-columns:1.2fr .7fr .7fr}
  .be-head span:last-child,.be-row span:last-child{display:none}
}
@media(max-width:768px){
  .hiw-tab-grid{grid-template-columns:1fr}
  .hiw-card{padding:20px 16px}
  .hiw-step{grid-template-columns:40px 1fr;gap:12px}
  .hiw-num{width:38px;height:38px;font-size:.9rem}
  .lb-timeline{flex-direction:column}
  .lb-arrow-wrap{justify-content:center;padding:6px 0;transform:rotate(90deg)}
  .lb-box{border-right:none;border-bottom:1px solid #bfdbfe}
  .lb-box:last-child{border-bottom:none}
}
@media(max-width:580px){
  .hiw-input-grid,.hiw-output-grid{grid-template-columns:1fr}
  .be-head,.be-row{grid-template-columns:1.4fr .8fr}
  .be-head span:nth-child(3),.be-head span:last-child,
  .be-row span:nth-child(3),.be-row span:last-child{display:none}
  .formula-box .f-row{flex-direction:column;align-items:flex-start;gap:4px}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ── EDUCATIONAL SECTION STYLES ── */
.edu-wrap{margin-top:28px;display:grid;gap:24px}

/* Article card */
.edu-card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}

/* Typography inside edu */
.edu-card h2{font-size:1.25rem;color:var(--navy);margin-bottom:10px;line-height:1.3}
.edu-card h3{font-size:1.05rem;color:var(--navy);margin:22px 0 9px}
.edu-card h4{font-size:.93rem;color:var(--navy);margin:16px 0 7px}
.edu-card p{font-size:.9rem;color:var(--text);margin-bottom:13px;line-height:1.72}
.edu-card p:last-child{margin-bottom:0}
.edu-card strong{color:var(--navy)}
.edu-card em{font-style:normal;color:var(--green);font-weight:600}

/* Callout boxes */
.callout{border-radius:10px;padding:16px 18px;margin:16px 0;display:flex;gap:14px;align-items:flex-start;font-size:.88rem;line-height:1.65}
.callout-icon{flex-shrink:0;margin-top:2px;font-size:1.15rem}
.callout-blue{background:#eff6ff;border:1px solid #93c5fd;color:#1e40af}
.callout-green{background:#f0fdf4;border:1px solid #86efac;color:#166534}
.callout-yellow{background:#fffbeb;border:1px solid #fcd34d;color:#92400e}
.callout-red{background:#fff0f0;border:1px solid #fca5a5;color:#991b1b}
.callout-content p{margin:0}
.callout-content strong{color:inherit}

/* Two-col grid */
.edu-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
.edu-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:16px 0}

/* Fact cards */
.fact-card{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:16px}
.fact-card h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;color:var(--navy);margin-bottom:7px}
.fact-card p{font-size:.84rem;color:var(--muted);margin:0;line-height:1.6}
.fact-num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.55rem;color:var(--green);line-height:1;margin-bottom:6px}

/* Tables */
.edu-table-wrap{overflow-x:auto;margin:16px 0;border-radius:10px;border:1px solid var(--border)}
.edu-table{width:100%;border-collapse:collapse;font-size:.85rem}
.edu-table thead tr{background:var(--navy);color:#fff}
.edu-table thead th{padding:10px 14px;text-align:left;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;white-space:nowrap}
.edu-table tbody tr{border-bottom:1px solid var(--border)}
.edu-table tbody tr:last-child{border-bottom:none}
.edu-table tbody tr:nth-child(even){background:#f8f9ff}
.edu-table tbody td{padding:10px 14px;color:var(--text);line-height:1.5}
.edu-table tbody tr.highlight{background:#f0fdf4;font-weight:600}
.edu-table tbody tr.danger{background:#fff0f0}
.tier-badge{display:inline-block;border-radius:999px;padding:2px 10px;font-size:.77rem;font-weight:700;font-family:'Montserrat',sans-serif}
.t0-bg{background:#dcfce7;color:#166534}
.t1-bg{background:#fef9c3;color:#854d0e}
.t2-bg{background:#ffedd5;color:#9a3412}
.t3-bg{background:#fee2e2;color:#991b1b}
.t4-bg{background:#fce7f3;color:#9d174d}
.t5-bg{background:#f3e8ff;color:#6b21a8}

/* Example scenario */
.scenario-box{background:linear-gradient(135deg,#f0fdf4 0%,#eff6ff 100%);border:1.5px solid #86efac;border-radius:12px;padding:20px;margin:16px 0}
.scenario-box h4{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.92rem;color:var(--navy);margin-bottom:12px}
.scenario-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px dashed var(--border);font-size:.88rem}
.scenario-row:last-child{border-bottom:none;font-weight:700;color:var(--navy);padding-top:10px}
.scenario-row .s-label{color:var(--muted)}
.scenario-row .s-val{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}
.scenario-row:last-child .s-val{color:var(--red)}
.scenario-tag{display:inline-block;background:var(--green);color:#fff;border-radius:6px;padding:3px 10px;font-size:.75rem;font-family:'Montserrat',sans-serif;font-weight:700;margin-bottom:11px}

/* Strategy numbered list */
.strategy-list{display:grid;gap:14px;margin:16px 0}
.strategy-item{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start;background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:16px}
.s-icon{width:40px;height:40px;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:.95rem;flex-shrink:0}
.strategy-item h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:5px}
.strategy-item p{font-size:.85rem;color:var(--text);margin:0;line-height:1.6}

/* Timeline strip */
.timeline{display:grid;gap:0;margin:16px 0}
.tl-item{display:grid;grid-template-columns:120px 1fr;gap:14px;align-items:stretch;padding:12px 0;border-bottom:1px solid var(--border)}
.tl-item:last-child{border-bottom:none}
.tl-date{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.85rem;color:var(--green);padding-top:2px}
.tl-content{font-size:.87rem;color:var(--text);line-height:1.6}
.tl-content strong{color:var(--navy)}

/* Bullet list */
.edu-list{padding-left:0;list-style:none;display:grid;gap:8px;margin:10px 0 14px}
.edu-list li{font-size:.89rem;color:var(--text);padding-left:18px;position:relative;line-height:1.65}
.edu-list li::before{content:'›';position:absolute;left:0;color:var(--green);font-weight:700;font-size:1rem;top:1px}
.edu-list li strong{color:var(--navy)}

/* Outbound link style */
.edu-link{color:var(--navy);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.edu-link:hover{color:var(--green)}

/* Glossary */
.glossary-grid{display:grid;gap:12px;margin:14px 0}
.glossary-item{border:1px solid var(--border);border-radius:9px;padding:14px 16px;background:#fff}
.glossary-item dt{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:5px}
.glossary-item dd{font-size:.85rem;color:var(--muted);margin:0;line-height:1.6}

/* Responsive */
@media(max-width:900px){
  .edu-grid-3{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .edu-card{padding:20px 16px}
  .edu-grid-2,.edu-grid-3{grid-template-columns:1fr}
  .strategy-item{grid-template-columns:38px 1fr;gap:10px}
  .tl-item{grid-template-columns:90px 1fr}
}
@media(max-width:480px){
  .edu-card h2{font-size:1.1rem}
  .edu-card h3{font-size:.98rem}
  .tl-item{grid-template-columns:1fr;gap:4px}
  .tl-date{font-size:.8rem}
  .scenario-row{flex-direction:column;align-items:flex-start;gap:2px}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ── 5 REAL US EXAMPLES — Section Styles ── */

/* Outer wrapper */
.examples-wrap{margin-top:28px}

/* Section intro card */
.examples-intro{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-bottom:22px}
.examples-intro h2{font-size:1.25rem;color:var(--navy);margin-bottom:10px}
.examples-intro p{font-size:.9rem;color:var(--text);line-height:1.7;margin-bottom:0}

/* Individual example card */
.example-card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:22px;overflow:hidden}

/* Card header — persona bar */
.ex-header{display:grid;grid-template-columns:auto 1fr auto;gap:16px;align-items:center;padding:20px 24px;border-bottom:1px solid var(--border)}
.ex-avatar{width:54px;height:54px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.2rem;color:#fff;flex-shrink:0}
.av-blue{background:var(--navy)}
.av-green{background:var(--green)}
.av-teal{background:#0891b2}
.av-purple{background:#7c3aed}
.av-orange{background:#c2410c}
.ex-persona h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1rem;color:var(--navy);margin-bottom:3px}
.ex-persona .ex-meta{font-size:.82rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:8px}
.ex-meta-pill{background:var(--light-bg);border:1px solid var(--border);border-radius:999px;padding:2px 10px;font-size:.77rem;font-weight:600;color:var(--navy);white-space:nowrap}
.ex-tier-badge{text-align:center;flex-shrink:0}
.tier-label{display:inline-block;border-radius:8px;padding:6px 14px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.82rem;white-space:nowrap}
.tier-label span{display:block;font-size:.68rem;font-weight:600;margin-top:2px;opacity:.85}
.t0-c{background:#dcfce7;color:#166534}
.t1-c{background:#fef9c3;color:#854d0e}
.t2-c{background:#ffedd5;color:#9a3412}
.t3-c{background:#fee2e2;color:#991b1b}
.t4-c{background:#fce7f3;color:#9d174d}
.t5-c{background:#f3e8ff;color:#6b21a8}

/* Card body */
.ex-body{padding:22px 24px;display:grid;grid-template-columns:1fr 1fr;gap:20px}

/* Story column */
.ex-story h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:8px}
.ex-story p{font-size:.87rem;color:var(--text);line-height:1.7;margin-bottom:10px}
.ex-story p:last-child{margin-bottom:0}

/* Numbers column */
.ex-numbers{display:grid;gap:10px}
.ex-breakdown{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:16px}
.ex-breakdown h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.83rem;color:var(--navy);margin-bottom:10px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.ex-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;font-size:.84rem;border-bottom:1px dashed #e8edf7}
.ex-row:last-child{border-bottom:none;padding-top:8px;margin-top:4px;font-weight:700}
.ex-row .r-label{color:var(--muted)}
.ex-row .r-val{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy);font-size:.85rem}
.ex-row:last-child .r-val{color:var(--red)}
.ex-row:last-child .r-label{color:var(--navy)}

/* Outcome / lesson box */
.ex-outcome{margin:0 24px 22px;border-radius:10px;padding:14px 16px;font-size:.87rem;line-height:1.65;display:flex;gap:12px;align-items:flex-start}
.outcome-lesson{background:#f0fdf4;border:1px solid #86efac;color:#166534}
.outcome-warning{background:#fffbeb;border:1px solid #fcd34d;color:#92400e}
.outcome-action{background:#eff6ff;border:1px solid #93c5fd;color:#1e40af}
.outcome-alert{background:#fff0f0;border:1px solid #fca5a5;color:#991b1b}
.outcome-tip{background:#f5f3ff;border:1px solid #c4b5fd;color:#5b21b6}
.outcome-icon{flex-shrink:0;font-size:1.15rem;margin-top:1px}
.outcome-text strong{color:inherit}

/* Before / After strips */
.before-after{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:10px;background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:14px;margin-top:0}
.ba-box{text-align:center;padding:10px 8px;border-radius:8px}
.ba-box.before{background:#fff0f0;border:1px solid #fca5a5}
.ba-box.after{background:#f0fdf4;border:1px solid #86efac}
.ba-label{font-size:.72rem;font-family:'Montserrat',sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin-bottom:5px;display:block}
.before .ba-label{color:#991b1b}
.after .ba-label{color:#166534}
.ba-amount{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.1rem;line-height:1.2}
.before .ba-amount{color:#991b1b}
.after .ba-amount{color:#166534}
.ba-sub{font-size:.75rem;color:var(--muted);margin-top:3px;display:block}
.ba-arrow{color:var(--green);font-size:1.4rem;font-weight:700;font-family:'Montserrat',sans-serif}
.savings-tag{display:inline-block;background:var(--green);color:#fff;border-radius:6px;padding:3px 10px;font-size:.75rem;font-family:'Montserrat',sans-serif;font-weight:700;margin-top:8px}

/* Key takeaway strip at bottom of each card */
.ex-takeaway{background:var(--navy);color:#fff;padding:12px 24px;font-size:.84rem;display:flex;align-items:center;gap:10px}
.ex-takeaway strong{color:#fff}
.ex-takeaway .tk-label{background:rgba(255,255,255,.15);border-radius:4px;padding:2px 8px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;margin-right:4px;white-space:nowrap}

/* Responsive */
@media(max-width:900px){
  .ex-body{grid-template-columns:1fr}
}
@media(max-width:768px){
  .ex-header{grid-template-columns:auto 1fr;gap:12px}
  .ex-tier-badge{grid-column:1/-1;text-align:left}
  .ex-header{padding:16px 18px}
  .ex-body{padding:18px}
  .ex-body{gap:14px}
  .ex-outcome{margin:0 18px 18px}
  .ex-takeaway{padding:12px 18px}
  .examples-intro{padding:20px 16px}
}
@media(max-width:480px){
  .ex-avatar{width:44px;height:44px;font-size:1rem}
  .ex-persona h3{font-size:.93rem}
  .before-after{grid-template-columns:1fr;gap:6px}
  .ba-arrow{text-align:center;transform:rotate(90deg);margin:0 auto;display:block;width:fit-content}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4,h5{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ══ 5 PRO / EXPERT TIPS — Section Styles ══ */

.tips-wrap{margin-top:28px;display:grid;gap:0}

/* Section header card */
.tips-intro{background:var(--navy);border-radius:var(--radius) var(--radius) 0 0;padding:26px 28px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:16px}
.tips-intro h2{font-size:1.2rem;color:#fff;margin-bottom:6px;line-height:1.3}
.tips-intro p{font-size:.87rem;color:rgba(255,255,255,.75);margin:0;line-height:1.6}
.tips-badge{background:var(--green);color:#fff;border-radius:10px;padding:10px 18px;text-align:center;flex-shrink:0}
.tips-badge .tb-num{font-family:'Montserrat',sans-serif;font-weight:800;font-size:2rem;line-height:1;color:#fff}
.tips-badge .tb-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.85);display:block;margin-top:2px}

/* Individual tip card */
.tip-card{background:var(--card-bg);border-left:4px solid var(--navy);box-shadow:var(--shadow);margin-top:20px;border-radius:var(--radius);overflow:hidden}
.tip-card:nth-child(2){border-left-color:var(--green)}
.tip-card:nth-child(3){border-left-color:#0891b2}
.tip-card:nth-child(4){border-left-color:#7c3aed}
.tip-card:nth-child(5){border-left-color:#c2410c}
.tip-card:nth-child(6){border-left-color:var(--green)}

/* Tip header */
.tip-head{display:grid;grid-template-columns:64px 1fr;align-items:start;gap:0;border-bottom:1px solid var(--border)}
.tip-num-block{display:flex;flex-direction:column;align-items:center;justify-content:center;padding:20px 16px;background:var(--light-bg);border-right:1px solid var(--border);min-height:80px}
.tip-num-block .tn{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.7rem;line-height:1;color:var(--navy)}
.tip-num-block .tw{font-size:.68rem;font-family:'Montserrat',sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-top:3px}
.tip-card:nth-child(2) .tip-num-block .tn{color:var(--green)}
.tip-card:nth-child(3) .tip-num-block .tn{color:#0891b2}
.tip-card:nth-child(4) .tip-num-block .tn{color:#7c3aed}
.tip-card:nth-child(5) .tip-num-block .tn{color:#c2410c}
.tip-card:nth-child(6) .tip-num-block .tn{color:var(--green)}
.tip-title-block{padding:18px 22px}
.tip-title-block h3{font-size:1.02rem;color:var(--navy);margin-bottom:5px;line-height:1.3}
.tip-title-block .tip-sub{font-size:.82rem;color:var(--muted);line-height:1.5}
.expert-tag{display:inline-block;background:#f3e8ff;border:1px solid #c4b5fd;color:#5b21b6;border-radius:999px;padding:2px 10px;font-size:.72rem;font-family:'Montserrat',sans-serif;font-weight:700;margin-left:8px;vertical-align:middle;white-space:nowrap}

/* Tip body */
.tip-body{padding:22px 22px 20px 22px;display:grid;grid-template-columns:1fr 340px;gap:24px;align-items:start}
.tip-content h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;color:var(--navy);margin-bottom:7px}
.tip-content p{font-size:.88rem;color:var(--text);line-height:1.72;margin-bottom:12px}
.tip-content p:last-child{margin-bottom:0}
.tip-content strong{color:var(--navy)}
.tip-content em{font-style:normal;color:var(--green);font-weight:600}

/* Action steps */
.action-steps{list-style:none;padding:0;display:grid;gap:8px;margin:12px 0}
.action-steps li{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--text);line-height:1.6}
.action-steps li .as-icon{flex-shrink:0;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.68rem;font-weight:700;font-family:'Montserrat',sans-serif;margin-top:2px}
.action-steps li strong{color:var(--navy)}

/* Side panel — numbers / chart / table */
.tip-panel{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.tip-panel-head{background:var(--navy);padding:10px 14px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.78rem;color:#fff;text-transform:uppercase;letter-spacing:.05em}
.tip-panel-head.green{background:var(--green)}
.tip-panel-head.teal{background:#0891b2}
.tip-panel-head.purple{background:#7c3aed}
.tip-panel-head.orange{background:#c2410c}
.tp-row{display:flex;justify-content:space-between;align-items:center;padding:9px 14px;border-bottom:1px solid var(--border);font-size:.83rem}
.tp-row:last-child{border-bottom:none}
.tp-row.total{background:#fff;font-weight:700;border-top:2px solid var(--navy)}
.tp-row.total.green{border-top-color:var(--green)}
.tp-row .tp-l{color:var(--muted)}
.tp-row .tp-r{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy);font-size:.84rem}
.tp-row .tp-r.red{color:var(--red)}
.tp-row .tp-r.green-c{color:var(--green)}
.tp-row.highlight-row{background:#f0fdf4}
.tp-row.danger-row{background:#fff0f0}
.tp-row.info-row{background:#eff6ff}

/* Gauge-style bar */
.gauge-bar-wrap{padding:14px}
.gauge-label{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-bottom:6px;font-family:'Montserrat',sans-serif;font-weight:700}
.gauge-track{background:#e5e7eb;border-radius:999px;height:10px;position:relative;overflow:hidden}
.gauge-track .gauge-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--green),#f59e0b,var(--red));position:absolute;top:0;left:0}
.gauge-marker{position:absolute;top:-3px;width:16px;height:16px;border-radius:50%;border:2.5px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25);transform:translateX(-50%)}
.gauge-callout{margin-top:10px;font-size:.8rem;color:var(--text);text-align:center;line-height:1.5}
.gauge-callout strong{color:var(--navy)}

/* Mini table inside panel */
.mini-table{width:100%;border-collapse:collapse;font-size:.81rem}
.mini-table thead tr{background:#f1f5f9}
.mini-table thead th{padding:8px 10px;text-align:left;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.76rem;color:var(--navy);white-space:nowrap}
.mini-table tbody td{padding:8px 10px;border-top:1px solid var(--border);color:var(--text)}
.mini-table tbody tr.best{background:#f0fdf4;font-weight:600}
.mini-table tbody tr.best td{color:#166534}
.mini-table tbody tr.bad{background:#fff0f0}
.mini-table tbody tr.bad td{color:#991b1b}

/* Tip footer callout */
.tip-callout{margin:0 22px 20px;border-radius:9px;padding:12px 16px;font-size:.85rem;line-height:1.65;display:flex;gap:12px;align-items:flex-start}
.tc-blue{background:#eff6ff;border:1px solid #93c5fd;color:#1e40af}
.tc-green{background:#f0fdf4;border:1px solid #86efac;color:#166534}
.tc-yellow{background:#fffbeb;border:1px solid #fcd34d;color:#92400e}
.tc-purple{background:#f5f3ff;border:1px solid #c4b5fd;color:#5b21b6}
.tc-orange{background:#fff7ed;border:1px solid #fed7aa;color:#9a3412}
.tc-icon{flex-shrink:0;font-size:1.1rem;margin-top:1px}
.tc-text strong{color:inherit}

/* Bottom bar */
.tip-footer{background:var(--light-bg);border-top:1px solid var(--border);padding:11px 22px;font-size:.82rem;color:var(--muted);display:flex;align-items:center;gap:8px}
.tip-footer .tf-tag{background:var(--navy);color:#fff;border-radius:4px;padding:2px 8px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.72rem;flex-shrink:0}
.tip-card:nth-child(2) .tip-footer .tf-tag{background:var(--green)}
.tip-card:nth-child(3) .tip-footer .tf-tag{background:#0891b2}
.tip-card:nth-child(4) .tip-footer .tf-tag{background:#7c3aed}
.tip-card:nth-child(5) .tip-footer .tf-tag{background:#c2410c}
.tip-card:nth-child(6) .tip-footer .tf-tag{background:var(--green)}

/* Responsive */
@media(max-width:960px){
  .tip-body{grid-template-columns:1fr}
  .tip-panel{max-width:100%}
}
@media(max-width:768px){
  .tips-intro{grid-template-columns:1fr;gap:12px}
  .tips-badge{display:none}
  .tips-intro{border-radius:var(--radius)}
  .tip-head{grid-template-columns:54px 1fr}
  .tip-num-block{padding:16px 12px;min-height:70px}
  .tip-num-block .tn{font-size:1.4rem}
  .tip-body{padding:18px 16px 16px}
  .tip-title-block{padding:16px 16px}
  .tip-callout{margin:0 16px 16px}
  .tip-footer{padding:10px 16px}
}
@media(max-width:480px){
  .expert-tag{display:none}
  .tip-head{grid-template-columns:48px 1fr}
  .tip-num-block .tn{font-size:1.2rem}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ══ FAQ SECTION STYLES ══ */
.faq-section{margin-top:28px}

/* Intro card */
.faq-intro{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;margin-bottom:24px}
.faq-intro h2{font-size:1.2rem;color:var(--navy);margin-bottom:8px}
.faq-intro p{font-size:.9rem;color:var(--muted);margin-bottom:16px;line-height:1.7}

/* Search bar */
.faq-search-wrap{position:relative;max-width:560px}
.faq-search-wrap svg{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
#faq-search{width:100%;padding:11px 14px 11px 40px;border:1.5px solid var(--border);border-radius:8px;font-family:'Inter',sans-serif;font-size:.9rem;color:var(--text);background:#fff;outline:none;transition:border-color .2s}
#faq-search:focus{border-color:var(--navy)}
#faq-search::placeholder{color:var(--muted)}
.faq-count{margin-top:10px;font-size:.82rem;color:var(--muted)}
#visible-count{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}

/* Category tabs */
.faq-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.faq-tab{padding:7px 16px;border-radius:999px;border:1.5px solid var(--border);background:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.78rem;color:var(--muted);cursor:pointer;transition:all .18s;white-space:nowrap}
.faq-tab:hover{border-color:var(--navy);color:var(--navy)}
.faq-tab.active{background:var(--navy);border-color:var(--navy);color:#fff}
.faq-tab .tab-count{background:rgba(255,255,255,.25);border-radius:999px;padding:1px 7px;margin-left:5px;font-size:.72rem}
.faq-tab:not(.active) .tab-count{background:var(--light-bg);color:var(--muted)}

/* Category group */
.faq-group{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:20px;overflow:hidden}
.faq-group-head{display:flex;align-items:center;gap:12px;padding:16px 22px;background:var(--navy);cursor:pointer;user-select:none}
.fgh-icon{width:32px;height:32px;border-radius:8px;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:.95rem}
.faq-group-head h3{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.92rem;color:#fff;flex:1}
.fgh-meta{font-size:.78rem;color:rgba(255,255,255,.65);font-family:'Montserrat',sans-serif;font-weight:600;flex-shrink:0}
.faq-group-head.grp-green{background:var(--green)}
.faq-group-head.grp-teal{background:#0891b2}
.faq-group-head.grp-purple{background:#7c3aed}
.faq-group-head.grp-orange{background:#c2410c}

/* Individual FAQ item */
.faq-item{border-bottom:1px solid var(--border)}
.faq-item:last-child{border-bottom:none}
.faq-item.hidden{display:none}
.faq-q{display:flex;align-items:center;gap:14px;padding:16px 22px;cursor:pointer;background:#fff;transition:background .15s;user-select:none}
.faq-q:hover{background:#f8f9ff}
.fq-num{flex-shrink:0;width:26px;height:26px;border-radius:6px;background:var(--light-bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.72rem;color:var(--navy)}
.fq-text{flex:1;font-size:.91rem;color:var(--text);font-weight:500;line-height:1.5}
.fq-toggle{flex-shrink:0;width:28px;height:28px;border-radius:50%;background:var(--light-bg);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;color:var(--navy);font-size:1.1rem;font-weight:700;transition:transform .2s,background .18s}
.faq-item.open .fq-toggle{transform:rotate(45deg);background:var(--navy);color:#fff;border-color:var(--navy)}

/* Answer panel */
.faq-a{display:none;padding:0 22px 18px 62px;animation:fadeSlide .18s ease}
.faq-item.open .faq-a{display:block}
@keyframes fadeSlide{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}}
.faq-a p{font-size:.89rem;color:var(--text);line-height:1.75;margin-bottom:10px}
.faq-a p:last-child{margin-bottom:0}
.faq-a strong{color:var(--navy)}
.faq-a ul,.faq-a ol{padding-left:0;list-style:none;display:grid;gap:7px;margin:10px 0}
.faq-a ul li,.faq-a ol li{font-size:.88rem;color:var(--text);padding-left:16px;position:relative;line-height:1.65}
.faq-a ul li::before{content:'›';position:absolute;left:0;color:var(--green);font-weight:700;font-size:1rem}
.faq-a ol{counter-reset:faq-ol}
.faq-a ol li{padding-left:22px}
.faq-a ol li::before{counter-increment:faq-ol;content:counter(faq-ol)'.';position:absolute;left:0;color:var(--navy);font-weight:700;font-size:.82rem}

/* Inline callout inside answers */
.faq-note{background:#eff6ff;border:1px solid #93c5fd;border-radius:8px;padding:11px 14px;font-size:.84rem;color:#1e40af;margin:10px 0;line-height:1.6}
.faq-note.green{background:#f0fdf4;border-color:#86efac;color:#166534}
.faq-note.yellow{background:#fffbeb;border-color:#fcd34d;color:#92400e}
.faq-note.red{background:#fff0f0;border-color:#fca5a5;color:#991b1b}

/* Inline mini-table inside answers */
.faq-table{width:100%;border-collapse:collapse;font-size:.83rem;margin:10px 0;border-radius:8px;overflow:hidden;border:1px solid var(--border)}
.faq-table thead tr{background:var(--navy)}
.faq-table thead th{padding:8px 12px;text-align:left;color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.77rem}
.faq-table tbody td{padding:8px 12px;border-top:1px solid var(--border)}
.faq-table tbody tr:nth-child(even){background:#f8f9ff}
.faq-table tbody tr.hl td{background:#f0fdf4;font-weight:600;color:#166534}

/* No results */
.no-results{text-align:center;padding:40px 20px;color:var(--muted);font-size:.9rem;display:none}
.no-results svg{margin:0 auto 12px;display:block;color:var(--border)}

/* Expand all */
.faq-controls{display:flex;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.faq-ctrl-btn{padding:7px 16px;border-radius:8px;border:1.5px solid var(--border);background:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.78rem;color:var(--navy);cursor:pointer;transition:all .18s}
.faq-ctrl-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}

/* Responsive */
@media(max-width:768px){
  .faq-intro{padding:20px 16px}
  .faq-q{padding:14px 16px;gap:10px}
  .faq-a{padding:0 16px 16px 52px}
  .fq-text{font-size:.87rem}
  .faq-group-head{padding:14px 16px}
  .faq-tabs{gap:6px}
  .faq-tab{padding:6px 12px;font-size:.75rem}
}
@media(max-width:480px){
  .faq-a{padding:0 14px 14px 14px}
  .faq-q{gap:8px}
  .fq-num{display:none}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ══════════════════════════════════════
   RELATED CALCULATORS SECTION STYLES
   ══════════════════════════════════════ */
.rc-section{margin-top:28px}

/* Header card */
.rc-header{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px 28px 22px;margin-bottom:24px}
.rc-header h2{font-size:1.2rem;color:var(--navy);margin-bottom:6px}
.rc-header p{font-size:.89rem;color:var(--muted);max-width:640px;line-height:1.7}

/* Group block */
.rc-group{margin-bottom:28px}
.rc-group-head{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.rcg-icon{width:34px;height:34px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.rcg-icon.navy{background:var(--navy)}
.rcg-icon.green{background:var(--green)}
.rcg-icon.teal{background:#0891b2}
.rcg-icon.purple{background:#7c3aed}
.rc-group-head h3{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem;color:var(--navy)}
.rcg-count{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;color:var(--muted);background:var(--light-bg);border:1px solid var(--border);border-radius:999px;padding:2px 10px;margin-left:4px}

/* Grid */
.rc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}

/* Individual card */
.rc-card{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);border:1px solid var(--border);padding:18px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--text);transition:transform .18s,box-shadow .18s,border-color .18s;position:relative;overflow:hidden}
.rc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--navy);opacity:0;transition:opacity .18s}
.rc-card:hover{transform:translateY(-3px);box-shadow:0 8px 28px rgba(0,40,104,.13);border-color:rgba(0,40,104,.3)}
.rc-card:hover::before{opacity:1}
.rc-card:focus-visible{outline:2px solid var(--navy);outline-offset:3px}

/* Card badge */
.rc-badge{display:inline-flex;align-items:center;gap:5px;background:var(--light-bg);border:1px solid var(--border);border-radius:6px;padding:3px 9px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;margin-bottom:2px;width:fit-content}
.rc-badge.ins{background:#eff6ff;border-color:#bfdbfe;color:#1d4ed8}
.rc-badge.ret{background:#f0fdf4;border-color:#86efac;color:#166534}
.rc-badge.tax{background:#fff7ed;border-color:#fed7aa;color:#c2410c}
.rc-badge.inv{background:#faf5ff;border-color:#ddd6fe;color:#6d28d9}

/* Card icon area */
.rc-icon-row{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
.rc-emoji{font-size:1.5rem;line-height:1;margin-bottom:2px}
.rc-arrow{opacity:0;color:var(--navy);font-size:1.1rem;font-weight:700;transition:opacity .18s;margin-top:3px}
.rc-card:hover .rc-arrow{opacity:1}

/* Card text */
.rc-title{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;color:var(--navy);line-height:1.35;margin-bottom:2px}
.rc-desc{font-size:.8rem;color:var(--muted);line-height:1.6;flex:1}

/* CTA row */
.rc-cta{display:flex;align-items:center;justify-content:space-between;margin-top:auto;padding-top:10px;border-top:1px solid var(--border)}
.rc-cta-text{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;color:var(--navy)}
.rc-cta-arrow{width:24px;height:24px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .18s}
.rc-card:hover .rc-cta-arrow{background:var(--green)}
.rc-cta-arrow svg{width:12px;height:12px;stroke:#fff;fill:none;stroke-width:2.5}

/* "See all" row */
.rc-see-all{display:flex;justify-content:center;margin-top:10px}
.rc-see-all a{display:inline-flex;align-items:center;gap:8px;padding:11px 26px;border-radius:8px;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.84rem;text-decoration:none;transition:background .18s}
.rc-see-all a:hover{background:#001a4a}
.rc-see-all a svg{width:14px;height:14px;stroke:#fff;fill:none;stroke-width:2.5}

/* ── Responsive ── */
@media(max-width:1024px){.rc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:768px){
  .rc-grid{grid-template-columns:repeat(2,1fr);gap:12px}
  .rc-header{padding:20px 16px 16px}
  .rc-card{padding:14px}
}
@media(max-width:480px){
  .rc-grid{grid-template-columns:1fr;gap:10px}
  .rc-card{flex-direction:row;align-items:flex-start;gap:14px}
  .rc-icon-row{flex-direction:column;gap:4px}
  .rc-emoji{font-size:1.3rem}
  .rc-arrow{display:none}
  .rc-cta{padding-top:8px}
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.7}
h2,h3,h4{font-family:'Montserrat',sans-serif}
.wrap{max-width:1160px;margin:0 auto;padding:24px 16px}
.sec-label{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;padding-bottom:8px;border-bottom:1px solid var(--border)}

/* ══════════════════════════════════════════
   DISCLAIMER & EDITORIAL TRANSPARENCY STYLES
   ══════════════════════════════════════════ */

.dt-section{margin-top:28px;display:grid;gap:20px}

/* ── 1. LEGAL DISCLAIMER card ── */
.dt-disclaimer{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.dt-disclaimer-head{background:var(--red);padding:18px 24px;display:flex;align-items:center;gap:12px}
.dt-disclaimer-head svg{flex-shrink:0;width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}
.dt-disclaimer-head h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem;color:#fff;letter-spacing:.01em}
.dt-disclaimer-body{padding:22px 24px;display:grid;gap:16px}
.dt-disclaimer-lede{font-size:.9rem;color:var(--text);line-height:1.75;border-left:3px solid var(--red);padding-left:14px;font-weight:500}
.dt-disc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.dt-disc-item{background:var(--light-bg);border-radius:9px;border:1px solid var(--border);padding:14px 16px}
.dt-disc-item-head{display:flex;align-items:center;gap:8px;margin-bottom:7px}
.dt-disc-item-head svg{width:16px;height:16px;flex-shrink:0;stroke-width:2}
.dt-disc-item-head svg.red{stroke:var(--red)}
.dt-disc-item-head svg.green{stroke:var(--green)}
.dt-disc-item-head svg.navy{stroke:var(--navy)}
.dt-disc-item-head svg.gold{stroke:#b45309}
.dt-disc-item-head strong{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.8rem;color:var(--navy)}
.dt-disc-item p{font-size:.82rem;color:var(--muted);line-height:1.65}
.dt-disc-note{background:#fff7ed;border:1px solid #fed7aa;border-radius:8px;padding:12px 15px;font-size:.83rem;color:#92400e;line-height:1.65}
.dt-disc-note strong{color:#78350f}

/* ── 2. EDITORIAL TRANSPARENCY card ── */
.dt-editorial{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.dt-editorial-head{background:var(--navy);padding:18px 24px;display:flex;align-items:center;gap:12px}
.dt-editorial-head svg{flex-shrink:0;width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}
.dt-editorial-head h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem;color:#fff;letter-spacing:.01em}
.dt-editorial-body{padding:22px 24px;display:grid;gap:18px}
.dt-ed-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.dt-ed-block{background:var(--light-bg);border-radius:9px;border:1px solid var(--border);padding:15px 16px}
.dt-ed-block-icon{font-size:1.3rem;margin-bottom:8px;line-height:1}
.dt-ed-block h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.82rem;color:var(--navy);margin-bottom:6px}
.dt-ed-block p{font-size:.8rem;color:var(--muted);line-height:1.65}
.dt-update-bar{display:flex;align-items:center;justify-content:space-between;gap:12px;background:#f0fdf4;border:1px solid #86efac;border-radius:9px;padding:12px 16px;flex-wrap:wrap}
.dt-update-left{display:flex;align-items:center;gap:10px}
.dt-update-dot{width:10px;height:10px;border-radius:50%;background:var(--green);flex-shrink:0;box-shadow:0 0 0 3px rgba(0,132,61,.15)}
.dt-update-text{font-size:.83rem;color:var(--text);line-height:1.5}
.dt-update-text strong{font-family:'Montserrat',sans-serif;font-weight:700;color:var(--green)}
.dt-update-badge{display:inline-flex;align-items:center;gap:6px;background:var(--green);color:#fff;border-radius:999px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.75rem;white-space:nowrap;flex-shrink:0}
.dt-update-badge svg{width:12px;height:12px;stroke:#fff;fill:none;stroke-width:2.5}
.dt-no-ads{background:#eff6ff;border:1px solid #bfdbfe;border-radius:9px;padding:12px 16px;font-size:.83rem;color:#1e40af;line-height:1.65}
.dt-no-ads strong{font-family:'Montserrat',sans-serif;font-weight:700}

/* ── 3. OFFICIAL GOVERNMENT RESOURCES card ── */
.dt-gov{background:var(--card-bg);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.dt-gov-head{background:linear-gradient(135deg,var(--navy) 0%,#004aad 100%);padding:18px 24px;display:flex;align-items:center;gap:12px}
.dt-gov-head svg{flex-shrink:0;width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2}
.dt-gov-head h2{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem;color:#fff;letter-spacing:.01em}
.dt-gov-head p{font-size:.8rem;color:rgba(255,255,255,.75);margin-top:3px}
.dt-gov-body{padding:22px 24px;display:grid;gap:18px}
.dt-gov-group{}
.dt-gov-group-label{font-family:'Montserrat',sans-serif;font-weight:800;font-size:.78rem;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;display:flex;align-items:center;gap:6px}
.dt-gov-group-label::after{content:'';flex:1;height:1px;background:var(--border)}
.dt-gov-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.dt-gov-link{display:flex;align-items:flex-start;gap:12px;background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:13px 14px;text-decoration:none;color:var(--text);transition:border-color .18s,box-shadow .18s,background .18s}
.dt-gov-link:hover{border-color:var(--navy);box-shadow:0 3px 12px rgba(0,40,104,.1);background:#fff}
.dt-gov-link:focus-visible{outline:2px solid var(--navy);outline-offset:3px}
.dt-gov-link-icon{width:34px;height:34px;border-radius:8px;background:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:.85rem;color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;letter-spacing:-.02em}
.dt-gov-link-icon.cms{background:#c2185b}
.dt-gov-link-icon.ssa{background:#1565c0}
.dt-gov-link-icon.irs{background:#2e7d32}
.dt-gov-link-icon.med{background:#006064}
.dt-gov-link-icon.hhs{background:#4527a0}
.dt-gov-link-text{}
.dt-gov-link-title{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.83rem;color:var(--navy);margin-bottom:3px;line-height:1.3;display:flex;align-items:center;gap:5px}
.dt-gov-link-title .ext{font-size:.75rem;color:var(--muted);font-weight:600}
.dt-gov-link-desc{font-size:.77rem;color:var(--muted);line-height:1.55}
.dt-gov-badge{display:inline-block;background:#e0f2fe;border:1px solid #7dd3fc;color:#075985;border-radius:999px;padding:1px 8px;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.65rem;margin-top:5px;text-transform:uppercase;letter-spacing:.04em}

/* ── Bottom attribution strip ── */
.dt-attribution{background:var(--navy);border-radius:var(--radius);padding:16px 24px;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.dt-attribution-text{font-size:.79rem;color:rgba(255,255,255,.75);line-height:1.6}
.dt-attribution-text strong{color:#fff;font-family:'Montserrat',sans-serif}
.dt-attribution-copy{font-size:.75rem;color:rgba(255,255,255,.45)}

/* ── Responsive ── */
@media(max-width:900px){
  .dt-disc-grid{grid-template-columns:1fr 1fr}
  .dt-ed-row{grid-template-columns:1fr 1fr}
  .dt-gov-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .dt-disclaimer-body,.dt-editorial-body,.dt-gov-body{padding:18px 16px}
  .dt-disclaimer-head,.dt-editorial-head,.dt-gov-head{padding:15px 16px}
  .dt-disc-grid{grid-template-columns:1fr}
  .dt-ed-row{grid-template-columns:1fr}
  .dt-gov-grid{grid-template-columns:1fr}
  .dt-attribution{flex-direction:column;gap:8px;padding:14px 16px}
}
@media(max-width:480px){
  .dt-disc-grid,.dt-ed-row,.dt-gov-grid{grid-template-columns:1fr}
  .dt-gov-link{flex-direction:row}
  .dt-attribution-text,.dt-attribution-copy{text-align:center}
}