:root{
  --navy:#002868;--navy-d:#001a45;--navy-l:#003a8c;--navy-xl:#e8ecf7;
  --red:#BF0A30;--red-l:#ffeaea;
  --green:#00875A;--green-l:#e6f5f0;
  --amber:#D97706;--amber-l:#fef3c7;
  --purple:#7c3aed;--purple-l:#ede9fe;
  --orange:#ea580c;--orange-l:#fff7ed;
  --g50:#f8fafc;--g100:#f1f5f9;--g200:#e2e8f0;--g300:#cbd5e1;
  --g400:#94a3b8;--g500:#64748b;--g600:#475569;--g700:#334155;--g900:#0f172a;
  --r:10px;--rl:16px;
  --sh:0 1px 4px rgba(0,40,104,.07),0 4px 16px rgba(0,40,104,.06);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--g50);color:var(--g900);font-size:14px;line-height:1.6}
h1,h2,h3,h4,h5{font-family:'Montserrat',sans-serif}

/* ══════ HEADER ══════ */
.hdr{position:relative;overflow:hidden;background:#0a0a0a;padding:0}
.hdr-bg{position:absolute;inset:0;z-index:0;
  background:
    radial-gradient(ellipse 100% 80% at 0% 100%,rgba(191,10,48,.35) 0%,transparent 50%),
    radial-gradient(ellipse 80% 80% at 100% 0%,rgba(124,58,237,.25) 0%,transparent 50%),
    radial-gradient(ellipse 60% 60% at 55% 50%,rgba(0,40,104,.3) 0%,transparent 65%),
    linear-gradient(135deg,#0a0010 0%,#0d0a1f 35%,#001030 65%,#001a45 100%)}
.hdr-scan{position:absolute;inset:0;z-index:1;
  background-image:repeating-linear-gradient(0deg,transparent,transparent 2px,rgba(255,255,255,.015) 2px,rgba(255,255,255,.015) 4px)}
.hdr-glow-r{position:absolute;z-index:2;width:500px;height:300px;border-radius:50%;
  background:radial-gradient(ellipse,rgba(191,10,48,.18) 0%,transparent 70%);
  bottom:-50px;left:-100px;pointer-events:none}
.hdr-glow-p{position:absolute;z-index:2;width:400px;height:400px;border-radius:50%;
  background:radial-gradient(ellipse,rgba(124,58,237,.14) 0%,transparent 70%);
  top:-80px;right:-80px;pointer-events:none}
.hdr-inner{position:relative;z-index:3;padding:54px 20px 44px;text-align:center}
.hdr-eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:16px;
  background:rgba(191,10,48,.15);border:1px solid rgba(191,10,48,.3);
  border-radius:100px;padding:5px 16px;
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  letter-spacing:.5px;color:#fca5a5;text-transform:uppercase}
.hdr-eyebrow .dot{width:6px;height:6px;border-radius:50%;background:#f87171;animation:blink 1.5s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.2}}
.hdr h1{font-size:clamp(26px,5.5vw,54px);font-weight:900;color:#fff;
  letter-spacing:-2px;line-height:1.02;margin-bottom:14px}
.hdr h1 .gt{background:linear-gradient(90deg,#f87171 0%,#fca5a5 50%,#fb923c 100%);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hdr h1 .gp{background:linear-gradient(90deg,#a78bfa,#c4b5fd);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hdr .sub{color:rgba(255,255,255,.5);font-size:13.5px;max-width:660px;
  margin:0 auto 24px;line-height:1.7}
.pill-row{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:28px}
.pill{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);
  border-radius:100px;padding:5px 13px;font-size:11px;font-weight:600;
  color:rgba(255,255,255,.65);font-family:'Montserrat',sans-serif}
.pill.r{background:rgba(191,10,48,.15);border-color:rgba(191,10,48,.3);color:#fca5a5}
.pill.p{background:rgba(124,58,237,.15);border-color:rgba(124,58,237,.3);color:#c4b5fd}
.pill.g{background:rgba(0,135,90,.15);border-color:rgba(0,135,90,.3);color:#6ee7b7}
.pill.a{background:rgba(234,88,12,.15);border-color:rgba(234,88,12,.3);color:#fdba74}
.hdr-strip{display:flex;justify-content:center;flex-wrap:wrap;
  border-top:1px solid rgba(255,255,255,.07);padding-top:22px;gap:0}
.hs-i{padding:0 22px;text-align:center;border-right:1px solid rgba(255,255,255,.07)}
.hs-i:last-child{border:none}
.hs-v{font-family:'Montserrat',sans-serif;font-size:21px;font-weight:900;color:#fff}
.hs-l{font-size:9px;color:rgba(255,255,255,.35);text-transform:uppercase;
  letter-spacing:.8px;margin-top:1px;font-family:'Montserrat',sans-serif}

/* ── LAYOUT ── */
.wrap{max-width:1100px;margin:0 auto;padding:26px 16px 90px}
.card{background:#fff;border-radius:var(--rl);box-shadow:var(--sh);padding:22px;
  margin-bottom:18px;border:1px solid var(--g200)}
.sec-ttl{display:flex;align-items:center;gap:10px;margin-bottom:16px;flex-wrap:wrap}
.sec-ttl .ico{width:32px;height:32px;border-radius:8px;background:var(--navy-xl);
  display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0}
.sec-ttl h2{font-size:14px;font-weight:700;color:var(--navy);flex:1;min-width:0}
.opt{font-size:10px;font-weight:400;color:var(--g400)}

/* ── INPUTS ── */
.igrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:13px}
.fg{display:flex;flex-direction:column;gap:4px}
.fg label{font-size:11px;font-weight:700;color:var(--g600);
  display:flex;align-items:center;gap:5px;text-transform:uppercase;letter-spacing:.4px}
.irow{display:flex;align-items:center;border:1.5px solid var(--g200);
  border-radius:8px;overflow:hidden;background:#fff;transition:border-color .15s;min-width:0;width:100%}
.irow:focus-within{border-color:var(--navy)}
.ipfx,.isfx{padding:0 10px;background:var(--g100);color:var(--g500);
  font-size:12px;font-weight:700;height:40px;display:flex;align-items:center;
  flex-shrink:0;border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif;white-space:nowrap}
.isfx{border-right:none;border-left:1px solid var(--g200)}
.fg input,.fg select{flex:1;border:none;outline:none;padding:0 10px;
  font-family:'DM Sans',sans-serif;font-size:14px;height:40px;
  background:transparent;color:var(--g900);width:100%;min-width:0}
.fg select{cursor:pointer}
.hint{font-size:10px;color:var(--g400);line-height:1.3;margin-top:2px}

/* ── TOOLTIP ── */
.tip{display:inline-flex;align-items:center;justify-content:center;
  width:14px;height:14px;background:var(--g200);border-radius:50%;
  font-size:8px;font-weight:700;color:var(--g500);cursor:help;position:relative;flex-shrink:0}
.tip:hover::after{content:attr(data-t);position:absolute;bottom:calc(100%+6px);
  left:50%;transform:translateX(-50%);background:var(--g900);color:#fff;
  font-size:10px;font-weight:400;padding:6px 10px;border-radius:6px;
  min-width:180px;max-width:240px;z-index:99;line-height:1.4;
  text-align:center;white-space:normal;pointer-events:none;font-family:'DM Sans',sans-serif}

/* ── TOGGLE ── */
.tgl{display:flex;background:var(--g100);border-radius:8px;padding:3px;gap:2px;width:100%}
.tgb{flex:1 1 0;padding:8px 6px;border:none;background:transparent;border-radius:6px;
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;
  color:var(--g500) !important;transition:all .15s;white-space:normal;line-height:1.3;
  min-width:0;min-height:44px;text-align:center}
.tgb.on{background:var(--navy);color:#fff !important;box-shadow:0 1px 6px rgba(0,40,104,.22)}
.tgb:hover:not(.on){background:var(--navy-xl);color:var(--navy) !important}

/* ── FEE ROWS ── */
.fee-list{display:grid;gap:8px;margin-top:4px}
.fee-item{display:grid;grid-template-columns:20px 1fr 130px;gap:10px;
  align-items:center;padding:10px 12px;background:var(--g50);
  border-radius:var(--r);border:1px solid var(--g200)}
.fee-item input[type=checkbox]{width:16px;height:16px;accent-color:var(--navy);cursor:pointer}
.fee-item .fl{font-size:12px;font-weight:600;color:var(--g700)}
.fee-item .fs{font-size:10px;color:var(--g400);margin-top:1px}
.fee-amt{display:flex;align-items:center;border:1.5px solid var(--g200);
  border-radius:6px;overflow:hidden;background:#fff;height:36px}
.fee-amt .fp{padding:0 8px;background:var(--g100);color:var(--g500);
  font-size:11px;font-weight:700;height:100%;display:flex;align-items:center;
  border-right:1px solid var(--g200);font-family:'Montserrat',sans-serif;white-space:nowrap}
.fee-amt input{flex:1;border:none;outline:none;padding:0 8px;
  font-family:'DM Sans',sans-serif;font-size:13px;height:100%;background:transparent;color:var(--g900);min-width:0}

/* ── RANGE ── */
.rng-wrap{display:flex;flex-direction:column;gap:5px}
.rng-wrap label{font-size:11px;font-weight:700;color:var(--g600);
  display:flex;justify-content:space-between;text-transform:uppercase;letter-spacing:.4px}
.rng-wrap label span{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:var(--navy)}
input[type=range]{width:100%;accent-color:var(--navy);cursor:pointer;height:5px}

/* ── SCORE BADGE ── */
.score-badge{display:inline-flex;align-items:center;gap:10px;padding:14px 20px;
  border-radius:var(--r);font-family:'Montserrat',sans-serif}
.score-badge .sn{font-size:36px;font-weight:900;line-height:1}
.score-badge .sl{font-size:11px;font-weight:700;opacity:.8}
.sb-red{background:var(--red-l);color:var(--red);border:2px solid rgba(191,10,48,.25)}
.sb-amb{background:var(--amber-l);color:#92400e;border:2px solid var(--amber)}
.sb-grn{background:var(--green-l);color:var(--green);border:2px solid rgba(0,135,90,.25)}
.sb-pur{background:var(--purple-l);color:var(--purple);border:2px solid rgba(124,58,237,.25)}

/* ── CALC BTN ── */
.calc-btn{width:100%;background:linear-gradient(135deg,#1a0030 0%,var(--red) 35%,#c9173a 65%,var(--navy) 100%);
  color:#fff;border:none;border-radius:var(--r);padding:16px 20px;
  font-family:'Montserrat',sans-serif;font-size:15px;font-weight:900;cursor:pointer;
  letter-spacing:.3px;transition:transform .15s,box-shadow .15s;margin-top:6px;
  display:flex;align-items:center;justify-content:center;gap:8px;
  min-height:54px;white-space:normal;line-height:1.3}
.calc-btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(191,10,48,.35)}

/* ── RESULTS ── */
.res{display:none}.res.on{display:block}

/* ── TRUE APR DISPLAY ── */
.apr-hero{text-align:center;padding:26px;
  background:linear-gradient(135deg,#1a0008,#3d0010);
  border-radius:var(--rl);margin-bottom:18px;color:#fff;position:relative;overflow:hidden}
.apr-hero::before{content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 60% at 50% 50%,rgba(191,10,48,.25),transparent)}
.apr-hero .al{font-size:11px;font-weight:700;text-transform:uppercase;
  letter-spacing:2px;color:rgba(255,255,255,.45);margin-bottom:8px;font-family:'Montserrat',sans-serif}
.apr-hero .av{font-family:'Montserrat',sans-serif;font-size:clamp(48px,8vw,80px);
  font-weight:900;letter-spacing:-3px;line-height:1;
  background:linear-gradient(90deg,#fca5a5,#f87171,#fcd34d);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.apr-hero .as{font-size:12px;color:rgba(255,255,255,.42);margin-top:8px}
.apr-range{display:flex;gap:14px;justify-content:center;margin-top:14px;flex-wrap:wrap}
.apr-range-item{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);
  border-radius:8px;padding:10px 16px;text-align:center}
.apr-range-item .rv{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:#fff}
.apr-range-item .rl{font-size:10px;color:rgba(255,255,255,.4);margin-top:3px;text-transform:uppercase;letter-spacing:.5px}

/* ── HERO BAND ── */
.hero-band{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 55%,#1a4fc4 100%);
  border-radius:var(--rl);padding:24px;color:#fff;margin-bottom:18px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;align-items:center}
.hm .hl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;
  color:rgba(255,255,255,.45);margin-bottom:4px;font-family:'Montserrat',sans-serif}
.hm .hv{font-family:'Montserrat',sans-serif;font-size:clamp(16px,2.5vw,24px);font-weight:900;line-height:1}
.hm .hs{font-size:10px;color:rgba(255,255,255,.4);margin-top:3px}
.hm-sep{width:1px;background:rgba(255,255,255,.1);min-height:48px;align-self:stretch}

/* ── METRIC CARDS ── */
.mgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-bottom:16px}
.mc{background:#fff;border:1px solid var(--g200);border-radius:var(--r);padding:14px;position:relative;overflow:hidden}
.mc::after{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.mc.g::after{background:var(--green)}.mc.a::after{background:var(--amber)}
.mc.r::after{background:var(--red)}.mc.n::after{background:var(--navy)}.mc.p::after{background:var(--purple)}.mc.o::after{background:var(--orange)}
.mc .ml{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;
  color:var(--g400);margin-bottom:4px;font-family:'Montserrat',sans-serif}
.mc .mv{font-family:'Montserrat',sans-serif;font-size:19px;font-weight:800;color:var(--g900)}
.mc .ms{font-size:11px;color:var(--g500);margin-top:3px}

/* ── ALERT ── */
.alrt{padding:10px 14px;border-radius:8px;font-size:12px;margin-bottom:12px;
  display:flex;gap:8px;align-items:flex-start;line-height:1.5;border:1px solid}
.alrt.warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.alrt.dng{background:var(--red-l);color:var(--red);border-color:var(--red)}
.alrt.info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}
.alrt.ok{background:var(--green-l);color:#065f46;border-color:var(--green)}
.alrt.pur{background:var(--purple-l);color:var(--purple);border-color:rgba(124,58,237,.25)}
.alrt.org{background:var(--orange-l);color:var(--orange);border-color:rgba(234,88,12,.25)}

/* ── TABS ── */
.tabs{display:flex;border-bottom:2px solid var(--g200);margin-bottom:20px;
  overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.tabs::-webkit-scrollbar{display:none}
.tab-b{padding:9px 12px;border:none;background:transparent;font-family:'Montserrat',sans-serif;
  font-size:11px;font-weight:700;color:var(--g400);cursor:pointer;border-bottom:2px solid transparent;
  margin-bottom:-2px;white-space:nowrap;transition:all .15s;letter-spacing:.2px;flex-shrink:0;min-height:40px}
.tab-b.on{color:var(--navy);border-bottom-color:var(--navy)}
.tp{display:none}.tp.on{display:block}

/* ── CHART ── */
.chrt{position:relative;height:240px;margin-top:14px}

/* ── TABLE ── */
.table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{width:100%;border-collapse:collapse;font-size:12px;min-width:480px}
.stbl th{background:var(--navy-xl);color:var(--navy);font-family:'Montserrat',sans-serif;
  font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;
  padding:9px 12px;text-align:left;border:1px solid var(--g200)}
.stbl td{padding:8px 12px;border:1px solid var(--g200);vertical-align:middle}
.stbl tr:nth-child(even) td{background:var(--g50)}
.stbl tr.hl td{background:var(--navy-xl);font-weight:700}
.stbl tr.mca-row td{background:var(--red-l);font-weight:700;border-left:3px solid var(--red)}
.stbl tr.best-row td{background:var(--green-l);font-weight:700;border-left:3px solid var(--green)}

/* ── CASH RUNWAY BAR ── */
.runway-bar{height:24px;border-radius:100px;overflow:hidden;background:var(--g200);margin:8px 0;position:relative}
.runway-fill{height:100%;border-radius:100px;transition:width .6s ease;display:flex;align-items:center;justify-content:flex-end;padding-right:10px}
.runway-fill span{font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;color:#fff;white-space:nowrap}

/* ── STACKING ROW ── */
.stack-row{background:var(--g50);border:1.5px solid var(--g200);border-radius:var(--r);padding:14px;margin-bottom:10px}
.stack-row.pos2{border-color:var(--purple);background:var(--purple-l)}

/* ── EXPORT BTNS ── */
.ebtns{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
.ebtn{flex:1;min-width:130px;padding:12px 14px;border-radius:var(--r);
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;cursor:pointer;
  transition:all .15s;border:2px solid;display:flex;align-items:center;
  justify-content:center;gap:7px;letter-spacing:.2px;min-height:44px;white-space:nowrap}
.ebtn.prim{border-color:var(--navy);background:var(--navy);color:#fff}
.ebtn.prim:hover{background:var(--navy-l)}
.ebtn.wa{border-color:#25D366;background:#fff;color:#25D366}
.ebtn.wa:hover{background:#25D366;color:#fff}
.ebtn.sec{border-color:var(--navy);background:#fff;color:var(--navy)}
.ebtn.sec:hover{background:var(--navy);color:#fff}
.ebtn.rst{border-color:var(--red);background:#fff;color:var(--red)}
.ebtn.rst:hover{background:var(--red);color:#fff}

hr{border:none;border-top:1px solid var(--g200);margin:18px 0}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0}
input,select,textarea{font-size:max(14px,1rem)}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:640px){
  .apr-hero .av{font-size:52px;letter-spacing:-2px}
  .apr-range{gap:8px}
  .hdr-strip{display:none}
  .fee-item{grid-template-columns:20px 1fr !important}
  .fee-amt{display:none}
}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:16px 12px;gap:10px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:16px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:9px}
  .mc .mv{font-size:16px}
  .tgb{font-size:10px;padding:7px 4px}
}
@media(max-width:480px){
  .pill{font-size:10px;padding:3px 10px}
  .hdr h1{font-size:28px;letter-spacing:-1px}
  .hdr .sub{font-size:12px}
}
@media(max-width:420px){
  .ebtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .ebtn{min-width:0;font-size:11px;padding:10px 8px}
  .hero-band{grid-template-columns:1fr !important}
  .mgrid{grid-template-columns:1fr !important}
}
/* ══════════════════════════════════════════════════
   TYPOGRAPHY CRISPNESS & CONTRAST FIX
   ══════════════════════════════════════════════════ */
/* 1. Force sharp font rendering in all browsers */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* 2. Make Input Labels Darker & Punchier */
.fg label, .rng-wrap label, .fee-item .fl {
  color: #1e293b !important; /* Deep Slate */
  font-weight: 800 !important;
}

/* 3. Make Typed Numbers Bolder and Slightly Larger */
.fg input, .fg select, .fee-amt input {
  font-weight: 600 !important;
  color: #0f172a !important; /* Almost black */
  font-size: 15px !important;
}

/* 4. Darken the $ and % prefix/suffix symbols */
.ipfx, .isfx, .fee-amt .fp {
  color: #334155 !important;
  font-weight: 800 !important;
}

/* 5. Fix Washed-Out Hint Text */
.hint, .fee-item .fs, .opt, .tl-lbl {
  color: #64748b !important; 
  font-weight: 500 !important;
}

/* 6. Make Section Titles Pop More */
.sec-ttl h2 {
  font-weight: 800 !important;
  color: var(--navy-d) !important;
  font-size: 15px !important;
}

/* 7. Darken the unselected toggle buttons */
.tgb {
  color: #475569 !important;
}
.tgb.on {
  color: #ffffff !important;
}
/* ── HOW-IT-WORKS SECTION STYLES ─────────────────────────────── */
.hiw-wrap{max-width:1100px;margin:0 auto;padding:0 16px 60px}

/* Section label pill */
.hiw-section-label{
  display:inline-flex;align-items:center;gap:7px;
  background:rgba(0,40,104,.08);border:1px solid rgba(0,40,104,.18);
  border-radius:100px;padding:5px 16px;
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  letter-spacing:.6px;color:var(--navy);text-transform:uppercase;
  margin-bottom:14px}
.hiw-section-label .dot{
  width:6px;height:6px;border-radius:50%;background:var(--navy)}

/* Section heading */
.hiw-heading{
  font-family:'Montserrat',sans-serif;font-size:clamp(22px,3.5vw,34px);
  font-weight:900;color:var(--g900);letter-spacing:-1px;line-height:1.1;
  margin-bottom:10px}
.hiw-heading span{
  background:linear-gradient(90deg,var(--red) 0%,#e74c3c 100%);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
  background-clip:text}
.hiw-lead{
  font-size:14px;color:var(--g500);max-width:700px;line-height:1.7;
  margin-bottom:32px}

/* ── OVERVIEW BAND ───────────────────────────────────────────── */
.hiw-overview-band{
  background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 60%,#003a8c 100%);
  border-radius:var(--rl);padding:28px 26px;margin-bottom:24px;
  display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px;position:relative;overflow:hidden}
.hiw-overview-band::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 60% at 90% 10%,rgba(191,10,48,.18) 0%,transparent 60%);
  pointer-events:none}
.hiw-ob-item{position:relative;z-index:1}
.hiw-ob-icon{
  width:40px;height:40px;background:rgba(255,255,255,.1);border-radius:10px;
  display:flex;align-items:center;justify-content:center;font-size:18px;
  margin-bottom:10px;border:1px solid rgba(255,255,255,.12)}
.hiw-ob-title{
  font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;
  color:#fff;margin-bottom:5px}
.hiw-ob-desc{font-size:12px;color:rgba(255,255,255,.55);line-height:1.6}
@media(max-width:640px){
  .hiw-overview-band{grid-template-columns:1fr;gap:16px}
}

/* ── STEP EXPLAINER GRID ─────────────────────────────────────── */
.hiw-steps-grid{display:grid;gap:16px;margin-bottom:24px}

/* Each step card */
.hiw-step-card{
  background:#fff;border-radius:var(--rl);box-shadow:var(--sh);
  border:1px solid var(--g200);overflow:hidden}

/* Step card header — coloured top bar */
.hiw-step-head{
  display:flex;align-items:center;gap:14px;
  padding:16px 22px;border-bottom:1px solid var(--g200);
  background:var(--g50)}
.hiw-step-num{
  width:38px;height:38px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:16px;font-weight:900;
  color:#fff;flex-shrink:0}
.sn-navy{background:linear-gradient(135deg,var(--navy-d),var(--navy))}
.sn-red{background:linear-gradient(135deg,var(--red),#e74c3c)}
.sn-green{background:linear-gradient(135deg,#065f46,var(--green))}
.sn-amber{background:linear-gradient(135deg,#92400e,var(--amber))}
.sn-purple{background:linear-gradient(135deg,#4c1d95,var(--purple))}

.hiw-step-meta{flex:1;min-width:0}
.hiw-step-meta h3{
  font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;
  color:var(--navy);line-height:1.2}
.hiw-step-meta span{
  font-size:11px;color:var(--g400);font-weight:400;margin-top:2px;display:block}
.hiw-step-badge{
  font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;
  letter-spacing:.5px;text-transform:uppercase;padding:3px 10px;
  border-radius:100px;flex-shrink:0}
.sb-req{background:var(--red-l);color:var(--red);border:1px solid rgba(191,10,48,.2)}
.sb-opt{background:var(--navy-xl);color:var(--navy);border:1px solid rgba(0,40,104,.15)}
.sb-new{background:var(--green-l);color:var(--green);border:1px solid rgba(0,135,90,.2)}

/* Step card body */
.hiw-step-body{padding:18px 22px}

/* Field explanation rows inside step body */
.hiw-field-list{display:grid;gap:8px;margin-top:10px}
.hiw-field{
  display:grid;grid-template-columns:180px 1fr;gap:12px;
  padding:10px 12px;background:var(--g50);border-radius:var(--r);
  border:1px solid var(--g200);align-items:start}
.hiw-field-name{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;
  color:var(--navy);line-height:1.3}
.hiw-field-name em{
  display:block;font-style:normal;font-size:10px;
  color:var(--g400);font-family:'DM Sans',sans-serif;font-weight:400;margin-top:2px}
.hiw-field-desc{font-size:12px;color:var(--g600);line-height:1.6}
.hiw-field-desc strong{color:var(--g900)}
.hiw-field-desc code{
  font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;
  background:var(--navy-xl);color:var(--navy);padding:1px 6px;border-radius:4px}

@media(max-width:560px){
  .hiw-field{grid-template-columns:1fr;gap:4px}
  .hiw-field-name{margin-bottom:2px}
}

/* Step body intro line */
.hiw-step-intro{
  font-size:13px;color:var(--g600);line-height:1.7;
  padding:8px 12px;background:var(--navy-xl);border-radius:var(--r);
  border-left:3px solid var(--navy);margin-bottom:10px}

/* Inline alert inside step */
.hiw-inline-alrt{
  display:flex;align-items:flex-start;gap:9px;
  padding:10px 13px;border-radius:8px;font-size:12px;margin-top:10px;
  border:1px solid transparent;line-height:1.55}
.hiw-ia-warn{background:var(--amber-l);color:#92400e;border-color:var(--amber)}
.hiw-ia-info{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}
.hiw-ia-dng{background:var(--red-l);color:var(--red);border-color:rgba(191,10,48,.2)}
.hiw-ia-ok{background:var(--green-l);color:#065f46;border-color:rgba(0,135,90,.2)}
.hiw-ia-pur{background:var(--purple-l);color:var(--purple);border-color:rgba(124,58,237,.2)}
.hiw-inline-alrt .ia-ico{font-size:15px;flex-shrink:0;line-height:1.3}
.hiw-inline-alrt strong{font-family:'Montserrat',sans-serif}

/* ── OUTPUT TABS EXPLAINER ───────────────────────────────────── */
.hiw-tabs-header{
  display:flex;align-items:center;gap:12px;margin-bottom:18px}
.hiw-tabs-header h2{
  font-family:'Montserrat',sans-serif;font-size:18px;font-weight:900;
  color:var(--g900);letter-spacing:-.5px}
.hiw-output-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));
  gap:14px;margin-bottom:28px}
.hiw-tab-card{
  background:#fff;border-radius:var(--r);box-shadow:var(--sh);
  border:1px solid var(--g200);padding:16px 18px;
  transition:box-shadow .15s,border-color .15s;cursor:default}
.hiw-tab-card:hover{
  box-shadow:0 4px 20px rgba(0,40,104,.12);
  border-color:rgba(0,40,104,.25)}
.hiw-tc-top{display:flex;align-items:center;gap:10px;margin-bottom:8px}
.hiw-tc-icon{
  width:34px;height:34px;border-radius:8px;
  display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.hiw-tc-num{
  font-family:'Montserrat',sans-serif;font-size:9px;font-weight:800;
  color:var(--g400);letter-spacing:.5px;text-transform:uppercase}
.hiw-tc-name{
  font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;
  color:var(--navy)}
.hiw-tc-desc{font-size:12px;color:var(--g600);line-height:1.6;margin-bottom:8px}
.hiw-tc-outputs{
  display:flex;flex-wrap:wrap;gap:5px;padding-top:8px;
  border-top:1px solid var(--g200)}
.hiw-tc-out-pill{
  font-family:'Montserrat',sans-serif;font-size:9px;font-weight:700;
  background:var(--g100);color:var(--g600);
  padding:3px 9px;border-radius:100px;border:1px solid var(--g200)}

/* Tab icon backgrounds */
.tc-bg-navy{background:var(--navy-xl)}
.tc-bg-red{background:var(--red-l)}
.tc-bg-green{background:var(--green-l)}
.tc-bg-amber{background:var(--amber-l)}
.tc-bg-purple{background:var(--purple-l)}
.tc-bg-orange{background:var(--orange-l)}
.tc-bg-blue{background:#dbeafe}
.tc-bg-teal{background:#ccfbf1}
.tc-bg-pink{background:#fce7f3}

/* ── IRR FORMULA EXPLAINER ───────────────────────────────────── */
.hiw-formula-card{
  background:#fff;border-radius:var(--rl);box-shadow:var(--sh);
  border:1px solid var(--g200);padding:22px;margin-bottom:24px}
.hiw-formula-card h3{
  font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;
  color:var(--navy);margin-bottom:14px;
  display:flex;align-items:center;gap:8px}
.hiw-formula-card h3 span{
  width:28px;height:28px;border-radius:7px;background:var(--navy-xl);
  display:flex;align-items:center;justify-content:center;font-size:13px}

.hiw-formula-block{
  background:var(--g900);border-radius:var(--r);padding:16px 20px;
  margin:12px 0;font-family:'Montserrat',sans-serif;font-size:12px;
  font-weight:700;color:#e2e8f0;line-height:2;overflow-x:auto}
.hiw-formula-block .f-comment{color:var(--g400);font-weight:400}
.hiw-formula-block .f-var{color:#93c5fd}
.hiw-formula-block .f-val{color:#6ee7b7}
.hiw-formula-block .f-op{color:#fca5a5}

.hiw-formula-grid{
  display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:14px}
.hiw-fml-item{
  padding:12px 14px;background:var(--g50);border-radius:var(--r);
  border:1px solid var(--g200)}
.hiw-fml-label{
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  color:var(--navy);text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.hiw-fml-formula{
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;
  color:var(--g900);margin-bottom:4px}
.hiw-fml-note{font-size:11px;color:var(--g500);line-height:1.5}
@media(max-width:560px){
  .hiw-formula-grid{grid-template-columns:1fr}
}

/* ── VS SIMPLE FORMULA COMPARISON TABLE ─────────────────────── */
.hiw-vs-table{
  width:100%;border-collapse:collapse;font-size:12px;margin-top:12px}
.hiw-vs-table th{
  background:var(--navy-xl);color:var(--navy);
  font-family:'Montserrat',sans-serif;font-weight:800;font-size:11px;
  padding:10px 14px;text-align:left;border:1px solid var(--g200)}
.hiw-vs-table td{
  padding:9px 14px;border:1px solid var(--g200);vertical-align:middle;
  color:var(--g700);line-height:1.5}
.hiw-vs-table tr:nth-child(even) td{background:var(--g50)}
.hiw-vs-table .bad{color:var(--red);font-weight:700}
.hiw-vs-table .good{color:var(--green);font-weight:700}
.hiw-vs-table td strong{font-family:'Montserrat',sans-serif;font-weight:800;color:var(--g900)}

/* ── HOW TO READ RESULTS ─────────────────────────────────────── */
.hiw-read-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:14px;margin-bottom:24px}
.hiw-read-card{
  padding:16px 18px;border-radius:var(--r);
  border:1px solid transparent}
.hiw-read-card h4{
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;
  margin-bottom:6px;display:flex;align-items:center;gap:7px}
.hiw-read-card p{font-size:12px;line-height:1.65}
.hrc-green{background:var(--green-l);color:#064e3b;border-color:rgba(0,135,90,.2)}
.hrc-amber{background:var(--amber-l);color:#78350f;border-color:var(--amber)}
.hrc-red{background:var(--red-l);color:var(--red);border-color:rgba(191,10,48,.2)}
.hrc-navy{background:var(--navy-xl);color:var(--navy);border-color:rgba(0,40,104,.15)}

/* ── EXPORT EXPLAINER ────────────────────────────────────────── */
.hiw-export-row{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
  gap:12px;margin-bottom:28px}
.hiw-exp-card{
  background:#fff;border-radius:var(--r);box-shadow:var(--sh);
  border:1px solid var(--g200);padding:14px 16px;
  display:flex;align-items:flex-start;gap:12px}
.hiw-exp-icon{
  width:36px;height:36px;border-radius:9px;
  display:flex;align-items:center;justify-content:center;
  font-size:17px;flex-shrink:0;background:var(--navy-xl)}
.hiw-exp-title{
  font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;
  color:var(--navy);margin-bottom:3px}
.hiw-exp-desc{font-size:11px;color:var(--g500);line-height:1.5}

/* ── SECTION DIVIDER ─────────────────────────────────────────── */
.hiw-divider{
  display:flex;align-items:center;gap:12px;margin:24px 0 20px}
.hiw-divider-line{flex:1;height:1px;background:var(--g200)}
.hiw-divider-label{
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:800;
  color:var(--g400);text-transform:uppercase;letter-spacing:.6px;white-space:nowrap}

/* ── BOTTOM TRUST STRIP ──────────────────────────────────────── */
.hiw-trust-strip{
  display:flex;flex-wrap:wrap;gap:8px;justify-content:center;
  padding:20px;background:#fff;border-radius:var(--r);
  border:1px solid var(--g200);box-shadow:var(--sh)}
.hiw-trust-pill{
  display:flex;align-items:center;gap:6px;padding:6px 14px;
  background:var(--g50);border:1px solid var(--g200);border-radius:100px;
  font-family:'Montserrat',sans-serif;font-size:10px;font-weight:700;
  color:var(--g600);white-space:nowrap}
  /* ══════════════════════════════════════════════════
   TYPOGRAPHY CRISPNESS & CONTRAST FIX
   ══════════════════════════════════════════════════ */
/* 1. Force sharp font rendering in all browsers */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* 2. Make Input Labels Darker & Punchier */
.fg label, .rng-wrap label, .fee-item .fl {
  color: #1e293b !important; /* Deep Slate */
  font-weight: 800 !important;
}

/* 3. Make Typed Numbers Bolder and Slightly Larger */
.fg input, .fg select, .fee-amt input {
  font-weight: 600 !important;
  color: #0f172a !important; /* Almost black */
  font-size: 15px !important;
}

/* 4. Darken the $ and % prefix/suffix symbols */
.ipfx, .isfx, .fee-amt .fp {
  color: #334155 !important;
  font-weight: 800 !important;
}

/* 5. Fix Washed-Out Hint Text */
.hint, .fee-item .fs, .opt, .tl-lbl {
  color: #64748b !important; 
  font-weight: 500 !important;
}

/* 6. Make Section Titles Pop More */
.sec-ttl h2 {
  font-weight: 800 !important;
  color: var(--navy-d) !important;
  font-size: 15px !important;
}

/* 7. Darken the unselected toggle buttons */
.tgb {
  color: #475569 !important;
}
.tgb.on {
  color: #ffffff !important;
}
/* ============================================================
   MCA PRO TIPS SECTION
   Uses existing brand tokens from Site-style-to-follows.txt
   ============================================================ */

#mca-pro-tips{
  padding: 80px 0;
  background: var(--white);
}

#mca-pro-tips .section-desc{
  max-width: 650px;
}

/* keep 5 cards balanced */
#mca-pro-tips .categories-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
}

/* center the 5th card visually on desktop */
#mca-pro-tips .cat-card:nth-child(5){
  grid-column: 2 / 3;
}

/* stronger vertical rhythm for tips */
#mca-pro-tips .cat-card{
  min-height: 100%;
  padding: 28px 24px 22px;
  border-radius: 14px;
  background: var(--white);
  border: 1.5px solid var(--border);
  box-shadow: var(--shadow-sm);
}

/* brand hover behavior */
#mca-pro-tips .cat-card:hover{
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

/* icon block stays brand-consistent */
#mca-pro-tips .cat-icon{
  width: 56px;
  height: 56px;
  border-radius: 14px;
  font-size: 26px;
  margin-bottom: 16px;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.35);
}

/* optional small tip badge above title */
#mca-pro-tips .tip-badge{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 10px;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  font-family: 'Montserrat', sans-serif;
}

#mca-pro-tips .tip-badge.navy{
  background: rgba(0,40,104,0.08);
  color: var(--navy);
  border: 1px solid rgba(0,40,104,0.14);
}

#mca-pro-tips .tip-badge.red{
  background: rgba(191,10,48,0.08);
  color: var(--red);
  border: 1px solid rgba(191,10,48,0.14);
}

#mca-pro-tips .tip-badge.green{
  background: rgba(0,135,90,0.08);
  color: var(--green);
  border: 1px solid rgba(0,135,90,0.14);
}

/* title and copy */
#mca-pro-tips .cat-name{
  font-size: 17px;
  line-height: 1.3;
  margin-bottom: 10px;
}

#mca-pro-tips .cat-desc{
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--gray-text);
  margin-bottom: 16px;
}

#mca-pro-tips .cat-desc strong{
  color: var(--charcoal);
  font-weight: 700;
}

/* pills row */
#mca-pro-tips .cat-tools{
  margin-top: auto;
  margin-bottom: 12px;
}

#mca-pro-tips .cat-tool-pill{
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-text);
  background: var(--bg-light);
  border: 1px solid var(--border);
  padding: 4px 10px;
  border-radius: 20px;
}

/* bottom link tone */
#mca-pro-tips .cat-count{
  margin-top: 2px;
  font-size: 12px;
  font-weight: 700;
}

/* footer CTA strip under cards */
#mca-pro-tips .tips-footer{
  margin-top: 28px;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 18px 20px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

#mca-pro-tips .tips-footer p{
  font-size: 13.5px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
  max-width: 720px;
}

#mca-pro-tips .tips-footer strong{
  color: var(--charcoal);
}

/* use existing .btn-all-tools from brand file, just size tune if needed */
#mca-pro-tips .btn-all-tools{
  padding: 12px 22px;
  font-size: 13px;
  border-radius: 8px;
}

/* responsive */
@media (max-width: 900px){
  #mca-pro-tips .categories-grid{
    grid-template-columns: repeat(2, 1fr);
  }

  #mca-pro-tips .cat-card:nth-child(5){
    grid-column: auto;
  }
}

@media (max-width: 600px){
  #mca-pro-tips{
    padding: 64px 0;
  }

  #mca-pro-tips .categories-grid{
    grid-template-columns: 1fr;
  }

  #mca-pro-tips .cat-card{
    padding: 24px 20px 20px;
  }

  #mca-pro-tips .tips-footer{
    padding: 16px;
  }

  #mca-pro-tips .btn-all-tools{
    width: 100%;
    justify-content: center;
  }
}

:root {
  --navy:       #002868;
  --navy-dark:  #00183F;
  --navy-mid:   #003580;
  --red:        #BF0A30;
  --red-hover:  #9B0826;
  --green:      #00875A;
  --green-h:    #006644;
  --white:      #FFFFFF;
  --charcoal:   #1D1D1F;
  --gray-text:  #5F6368;
  --border:     #E0E4E8;
  --bg-light:   #F7F9FC;
  --link-hover: #60A5FA;
  --shadow-sm:  0 1px 4px rgba(0,40,104,0.08);
  --shadow-md:  0 4px 20px rgba(0,40,104,0.12);
  --shadow-lg:  0 8px 40px rgba(0,40,104,0.16);
}

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--gray-text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ============================================================
   SECTION GENERIC (brand pattern)
   ============================================================ */
.section-wrap { max-width: 1200px; margin: 0 auto; padding: 0 40px; }
.section-title-row {
  display: flex; align-items: flex-end; justify-content: space-between;
  margin-bottom: 32px; flex-wrap: wrap; gap: 12px;
}
.section-label {
  display: inline-block;
  font-size: 11px; font-weight: 700; letter-spacing: 1.5px;
  color: var(--red); text-transform: uppercase; margin-bottom: 8px;
}
.section-heading {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 32px); font-weight: 800;
  color: var(--charcoal); line-height: 1.2;
}
.section-heading span { color: var(--navy); }
.section-desc {
  font-size: 15px; color: var(--gray-text);
  line-height: 1.7; margin-top: 8px; max-width: 600px;
}
.view-all-link {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 13px; font-weight: 600; color: var(--navy);
  border: 1.5px solid var(--navy); padding: 8px 18px; border-radius: 7px;
  transition: all 0.2s; white-space: nowrap;
}
.view-all-link:hover { background: var(--navy); color: var(--white); }

/* ============================================================
   CAT CARD SYSTEM (brand pattern — categories grid)
   ============================================================ */
.examples-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}
/* 5th card centered on last row */
.examples-grid .ex-card:nth-child(4) { grid-column: 1; }
.examples-grid .ex-card:nth-child(5) { grid-column: 2; }

.ex-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px; padding: 28px 24px;
  display: flex; flex-direction: column;
  transition: all 0.25s; position: relative; overflow: hidden;
  cursor: default;
}
/* Top accent bar (brand pattern) */
.ex-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: var(--card-accent, var(--navy));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.3s;
}
.ex-card:hover::before { transform: scaleX(1); }
.ex-card:hover {
  border-color: var(--card-accent, var(--navy));
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* Card header row */
.ex-card-header {
  display: flex; align-items: flex-start; gap: 14px;
  margin-bottom: 16px;
}
.ex-icon {
  width: 54px; height: 54px; border-radius: 14px;
  background: var(--card-bg, var(--bg-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; flex-shrink: 0;
}
.ex-header-text { flex: 1; }
.ex-badge {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 10px; font-weight: 700; letter-spacing: 0.4px;
  padding: 3px 9px; border-radius: 20px;
  margin-bottom: 5px;
}
.ex-badge.green  { background: rgba(0,135,90,0.10); color: var(--green); }
.ex-badge.red    { background: rgba(191,10,48,0.10); color: var(--red); }
.ex-badge.navy   { background: rgba(0,40,104,0.10);  color: var(--navy); }
.ex-badge.amber  { background: rgba(210,125,0,0.10); color: #b35a00; }

.ex-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px; font-weight: 800; color: var(--charcoal);
  line-height: 1.25;
}

/* Business profile pill row */
.ex-profile {
  display: flex; align-items: center; gap: 6px;
  margin-bottom: 14px; flex-wrap: wrap;
}
.ex-profile-pill {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 11px; font-weight: 600; color: var(--gray-text);
  background: var(--bg-light); border: 1px solid var(--border);
  padding: 3px 10px; border-radius: 20px;
}

/* Numbers table inside card */
.ex-nums {
  width: 100%; border-collapse: collapse;
  margin-bottom: 14px;
}
.ex-nums tr { border-bottom: 1px solid var(--border); }
.ex-nums tr:last-child { border-bottom: none; }
.ex-nums td {
  padding: 7px 4px;
  font-size: 12.5px; color: var(--gray-text); line-height: 1.3;
}
.ex-nums td:first-child {
  font-weight: 500; color: var(--charcoal); width: 58%;
}
.ex-nums td:last-child {
  font-weight: 700; text-align: right;
}
.ex-nums .apr-row td { background: rgba(0,40,104,0.03); }
.ex-nums .apr-row td:last-child { color: var(--red); font-size: 14px; }

/* Description */
.ex-desc {
  font-size: 13px; color: var(--gray-text);
  line-height: 1.65; flex: 1; margin-bottom: 14px;
}
.ex-desc strong { color: var(--charcoal); font-weight: 600; }

/* Verdict footer */
.ex-verdict {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 12px; font-weight: 600;
  color: var(--card-accent, var(--navy));
  border-top: 1px solid var(--border);
  padding-top: 12px; margin-top: auto; width: 100%;
}
.ex-verdict::after { content: '→'; }

/* ============================================================
   INFO ALERT (brand pattern)
   ============================================================ */
.info-alert {
  display: flex; gap: 12px; align-items: flex-start;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: 10px; padding: 16px 18px;
  margin-bottom: 28px;
}
.info-alert-icon {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  flex-shrink: 0; margin-top: 1px;
}
.info-alert p {
  font-size: 13.5px; color: var(--gray-text); line-height: 1.7; margin: 0;
}
.info-alert p strong { color: var(--charcoal); }
.info-alert p em { color: var(--red); font-style: normal; font-weight: 700; }

/* ============================================================
   COMPARISON TABLE (brand pattern)
   ============================================================ */
.compare-wrap {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 32px;
  box-shadow: var(--shadow-sm);
}
.compare-title-row {
  background: var(--navy);
  padding: 14px 24px;
  display: flex; align-items: center; gap: 10px;
}
.compare-title-row span {
  font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: 14px;
  color: var(--white);
}
.compare-title-row small {
  font-size: 11px; font-weight: 500; color: rgba(255,255,255,0.55);
  margin-left: auto;
}
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table thead tr {
  background: rgba(0,40,104,0.05);
  border-bottom: 2px solid var(--border);
}
.compare-table thead th {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 700;
  color: var(--navy); text-align: left; padding: 11px 16px;
  text-transform: uppercase; letter-spacing: 0.5px;
}
.compare-table thead th:not(:first-child) { text-align: center; }
.compare-table tbody tr { border-bottom: 1px solid var(--border); transition: background 0.15s; }
.compare-table tbody tr:last-child { border-bottom: none; }
.compare-table tbody tr:hover { background: var(--bg-light); }
.compare-table tbody td {
  font-size: 13px; color: var(--gray-text); padding: 11px 16px;
}
.compare-table tbody td:first-child {
  font-weight: 600; color: var(--charcoal);
}
.compare-table tbody td:not(:first-child) { text-align: center; }
.compare-table .apr-col { font-weight: 700; color: var(--red); font-size: 13.5px; }
.compare-table .apr-col.green { color: var(--green); }
.compare-table .apr-col.amber { color: #b35a00; }

/* row highlight */
.compare-table tbody tr.row-best td { background: rgba(0,135,90,0.04); }
.compare-table tbody tr.row-worst td { background: rgba(191,10,48,0.04); }

/* ============================================================
   CTA ROW (brand pattern)
   ============================================================ */
.cta-row {
  display: flex; flex-wrap: wrap; gap: 14px;
  align-items: center; justify-content: space-between;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 12px; padding: 20px 24px;
}
.cta-row p {
  font-size: 13.5px; color: var(--gray-text); max-width: 600px; margin: 0; line-height: 1.7;
}
.cta-row p strong { color: var(--charcoal); }
.btn-navy {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 12px 24px;
  background: var(--navy); color: var(--white);
  font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 13px;
  border-radius: 8px; transition: background 0.2s, transform 0.15s;
  white-space: nowrap; border: none; cursor: pointer;
}
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-1px); }
.btn-red {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 12px 24px;
  background: var(--red); color: var(--white);
  font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 13px;
  border-radius: 8px; transition: background 0.2s, transform 0.15s;
  white-space: nowrap; border: none; cursor: pointer;
}
.btn-red:hover { background: var(--red-hover); transform: translateY(-1px); }

/* ============================================================
   MAIN SECTION WRAPPER
   ============================================================ */
.mca-examples-section {
  padding: 80px 0;
  background: var(--white);
}
.mca-examples-section.alt-bg {
  background: var(--bg-light);
}

/* ============================================================
   SCROLL ANIMATION (brand pattern)
   ============================================================ */
@keyframes countUp { from{opacity:0;transform:translateY(16px)} to{opacity:1;transform:translateY(0)} }
.animate-on-scroll { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .examples-grid { grid-template-columns: repeat(2,1fr); }
  .examples-grid .ex-card:nth-child(4),
  .examples-grid .ex-card:nth-child(5) { grid-column: auto; }
}
@media (max-width: 600px) {
  .section-wrap { padding: 0 20px; }
  .examples-grid { grid-template-columns: 1fr; }
  .compare-table thead th,
  .compare-table tbody td { padding: 9px 10px; font-size: 12px; }
}
/* ============================================================
   MCA WARNING SIGNS SECTION
   ============================================================ */

#mca-warning-signs{
  padding: 80px 0;
  background: var(--bg-light);
}

#mca-warning-signs .section-desc{
  max-width: 680px;
}

#mca-warning-signs .warning-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
}

/* center the 5th card on desktop */
#mca-warning-signs .cat-card:nth-child(5){
  grid-column: 2 / 3;
}

#mca-warning-signs .cat-card{
  min-height: 100%;
  padding: 28px 24px 22px;
  border-radius: 14px;
  background: var(--white);
  border: 1.5px solid var(--border);
  box-shadow: var(--shadow-sm);
}

#mca-warning-signs .cat-card:hover{
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

#mca-warning-signs .cat-icon{
  width: 56px;
  height: 56px;
  border-radius: 14px;
  font-size: 26px;
  margin-bottom: 14px;
}

/* badge above title */
#mca-warning-signs .warning-badge{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 10px;
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  font-family: 'Montserrat', sans-serif;
}

#mca-warning-signs .warning-badge.danger{
  background: rgba(191,10,48,0.10);
  color: var(--red);
  border: 1px solid rgba(191,10,48,0.16);
}

#mca-warning-signs .warning-badge.caution{
  background: rgba(0,40,104,0.08);
  color: var(--navy);
  border: 1px solid rgba(0,40,104,0.14);
}

#mca-warning-signs .cat-name{
  font-size: 17px;
  line-height: 1.3;
  margin-bottom: 10px;
}

#mca-warning-signs .cat-desc{
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--gray-text);
  margin-bottom: 16px;
}

#mca-warning-signs .cat-tools{
  margin-top: auto;
  margin-bottom: 12px;
}

#mca-warning-signs .cat-tool-pill{
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-text);
  background: var(--bg-light);
  border: 1px solid var(--border);
  padding: 4px 10px;
  border-radius: 20px;
}

#mca-warning-signs .cat-count{
  margin-top: 2px;
  font-size: 12px;
  font-weight: 700;
}

#mca-warning-signs .warning-footer{
  margin-top: 28px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 18px 20px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

#mca-warning-signs .warning-footer p{
  font-size: 13.5px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
  max-width: 720px;
}

#mca-warning-signs .btn-all-tools{
  padding: 12px 22px;
  font-size: 13px;
  border-radius: 8px;
}

@media (max-width: 900px){
  #mca-warning-signs .warning-grid{
    grid-template-columns: repeat(2, 1fr);
  }

  #mca-warning-signs .cat-card:nth-child(5){
    grid-column: auto;
  }
}

@media (max-width: 600px){
  #mca-warning-signs{
    padding: 64px 0;
  }

  #mca-warning-signs .warning-grid{
    grid-template-columns: 1fr;
  }

  #mca-warning-signs .cat-card{
    padding: 24px 20px 20px;
  }

  #mca-warning-signs .warning-footer{
    padding: 16px;
  }

  #mca-warning-signs .btn-all-tools{
    width: 100%;
    justify-content: center;
  }
}
/* ============================================================
   MCA FAQ SECTION
   Brand-matched toggle FAQ system
   ============================================================ */

#mca-faqs{
  padding: 84px 0;
  background: var(--white);
}

#mca-faqs .section-desc{
  max-width: 720px;
}

#mca-faqs .faq-toolbar{
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 22px;
}

#mca-faqs .faq-list{
  display: grid;
  gap: 14px;
}

#mca-faqs .faq-item{
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.2s;
}

#mca-faqs .faq-item:hover{
  box-shadow: var(--shadow-md);
  border-color: rgba(0,40,104,0.20);
}

#mca-faqs .faq-item[open]{
  border-color: rgba(0,40,104,0.22);
  box-shadow: var(--shadow-md);
}

#mca-faqs .faq-q{
  list-style: none;
  cursor: pointer;
  position: relative;
  padding: 18px 54px 18px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 700;
  line-height: 1.45;
  color: var(--charcoal);
  background: var(--white);
  transition: background 0.2s ease, color 0.2s ease;
}

#mca-faqs .faq-item[open] .faq-q{
  background: rgba(0,40,104,0.03);
  color: var(--navy);
}

#mca-faqs .faq-q::-webkit-details-marker{
  display: none;
}

#mca-faqs .faq-q::after{
  content: '+';
  position: absolute;
  right: 18px;
  top: 50%;
  transform: translateY(-50%);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-light);
  border: 1px solid var(--border);
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 18px;
  font-weight: 800;
  line-height: 1;
}

#mca-faqs .faq-item[open] .faq-q::after{
  content: '–';
  background: rgba(0,40,104,0.08);
  border-color: rgba(0,40,104,0.16);
}

#mca-faqs .faq-a{
  padding: 0 20px 18px;
  background: var(--white);
  border-top: 1px solid var(--border);
}

#mca-faqs .faq-a p{
  margin: 14px 0 0;
  font-size: 13.5px;
  color: var(--gray-text);
  line-height: 1.8;
}

#mca-faqs .faq-a strong{
  color: var(--charcoal);
}

#mca-faqs .faq-footer-note{
  margin-top: 26px;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: 12px;
  padding: 18px 20px;
}

#mca-faqs .faq-footer-note p{
  margin: 0;
  font-size: 13.5px;
  color: var(--gray-text);
  line-height: 1.75;
}

/* button polish */
#mca-faqs .faq-expand-all,
#mca-faqs .faq-collapse-all{
  padding: 10px 18px;
  font-size: 12.5px;
  border-radius: 8px;
}

/* responsive */
@media (max-width: 600px){
  #mca-faqs{
    padding: 68px 0;
  }

  #mca-faqs .faq-q{
    padding: 16px 48px 16px 16px;
    font-size: 13px;
  }

  #mca-faqs .faq-a{
    padding: 0 16px 16px;
  }

  #mca-faqs .faq-a p{
    font-size: 13px;
    line-height: 1.75;
  }

  #mca-faqs .faq-q::after{
    right: 14px;
    width: 26px;
    height: 26px;
    font-size: 17px;
  }
}
/* ============================================================
   RELATED CALCULATORS — MCA PAGE
   ============================================================ */

#related-calculators{
  background: var(--bg-light);
}

#related-calculators .section-wrap{
  padding-top: 76px;
  padding-bottom: 80px;
}

#related-calculators .section-desc{
  max-width: 700px;
}

#related-calculators .related-mca-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

#related-calculators .calc-card{
  text-decoration: none;
  min-height: 100%;
}

#related-calculators .calc-card-name{
  min-height: 38px;
}

#related-calculators .calc-card-cat{
  line-height: 1.6;
  min-height: 52px;
}

#related-calculators .calc-card-cta{
  margin-top: auto;
}

@media (max-width: 1100px){
  #related-calculators .related-mca-grid{
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px){
  #related-calculators .related-mca-grid{
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px){
  #related-calculators .related-mca-grid{
    grid-template-columns: 1fr;
  }

  #related-calculators .section-wrap{
    padding-top: 64px;
    padding-bottom: 68px;
  }
}
/* ============================================================
   MCA TRUE APR — TRANSPARENCY & INDEPENDENCE
   ============================================================ */

.arc-transparency-section{
  background: var(--bg-light);
  padding: 80px 0;
}

#mca-transparency .arc-trans-inner{
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px;
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 32px;
  align-items: flex-start;
}

.arc-trans-logo-wrap{
  display: flex;
  justify-content: center;
}

.arc-trans-logo{
  width: 110px;
  height: 110px;
  border-radius: 26px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 14px 40px rgba(0,40,104,0.35);
}

.arc-trans-initials{
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 22px;
  line-height: 1.05;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--white);
  text-align: center;
}

.arc-trans-content h2.arc-trans-title{
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 800;
  color: var(--charcoal);
  margin-bottom: 10px;
}

.arc-trans-text{
  font-size: 14px;
  line-height: 1.8;
  color: var(--gray-text);
  margin-bottom: 18px;
}

.arc-trans-text strong{
  color: var(--charcoal);
}

/* badges */
.arc-trans-badges{
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 18px;
}

.arc-trans-badge{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 11px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-text);
}

.arc-trans-chk{
  color: var(--green);
}

/* stats */
.arc-trans-stats{
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 20px;
}

.arc-trans-stat{
  min-width: 130px;
  padding: 8px 10px;
  border-radius: 10px;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.arc-trans-stat .sv{
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: var(--charcoal);
}

.arc-trans-stat .sl{
  font-size: 11px;
  color: var(--gray-text);
}

/* authority sources box */
.arc-trans-sources{
  margin-top: 4px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

.arc-trans-sources p{
  font-size: 12.5px;
  color: var(--gray-text);
  margin-bottom: 10px;
}

.arc-trans-links{
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.arc-trans-link{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 10px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--white);
  font-size: 11.5px;
  color: var(--navy);
  text-decoration: none;
  transition: all 0.18s ease;
}

.arc-trans-link svg{
  flex-shrink: 0;
}

.arc-trans-link:hover{
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

@media (max-width: 900px){
  #mca-transparency .arc-trans-inner{
    grid-template-columns: 1fr;
    padding: 0 20px;
  }

  .arc-trans-logo-wrap{
    justify-content: flex-start;
  }

  .arc-transparency-section{
    padding: 64px 0;
  }
}

/* ============================================================
   MCA TRUE APR — LEGAL DISCLAIMER
   ============================================================ */

#mca-legal-disclaimer{
  background: var(--white);
  padding: 72px 0 84px;
}

#mca-legal-disclaimer .itr-legal-outer{
  max-width: 900px;
  margin: 0 auto;
  padding: 0 40px;
}

.itr-legal-header{
  border-radius: 14px 14px 0 0;
  border: 1px solid var(--border);
  border-bottom: none;
  padding: 16px 18px 14px;
  background: linear-gradient(135deg, rgba(0,40,104,0.06) 0%, rgba(191,10,48,0.06) 100%);
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.lh-icon{
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 4px;
}

.lh-title{
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--charcoal);
}

.lh-date{
  font-size: 11.5px;
  color: var(--gray-text);
}

/* body */
.itr-legal-body{
  border-radius: 0 0 14px 14px;
  border: 1px solid var(--border);
  border-top: none;
  background: var(--white);
  padding: 20px 20px 18px;
}

.itr-legal-body > p{
  font-size: 13.5px;
  color: var(--gray-text);
  line-height: 1.8;
  margin-bottom: 16px;
}

.itr-legal-body strong{
  color: var(--charcoal);
}

/* key points */
.itr-legal-points{
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 10px 0 16px;
}

.itr-legal-point{
  display: flex;
  gap: 8px;
}

.lp-dot{
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-top: 7px;
  background: var(--navy);
  flex-shrink: 0;
}

.itr-legal-point p{
  font-size: 13px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
}

/* notice */
.itr-legal-notice{
  margin: 14px 0 16px;
  padding: 12px 12px 12px;
  border-radius: 10px;
  border: 1px solid rgba(191,10,48,0.25);
  background: rgba(191,10,48,0.04);
  display: flex;
  gap: 10px;
}

.ln-icon{
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--red);
  flex-shrink: 0;
}

.itr-legal-notice p{
  font-size: 13px;
  color: var(--gray-text);
  line-height: 1.7;
  margin: 0;
}

/* gov links row */
.itr-legal-govlinks{
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px dashed var(--border);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 14px;
}

.itr-legal-govlinks span{
  font-size: 12px;
  font-weight: 600;
  color: var(--charcoal);
}

.itr-legal-govlink{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  color: var(--navy);
  text-decoration: none;
  padding: 4px 8px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--bg-light);
  transition: all 0.18s ease;
}

.itr-legal-govlink svg{
  flex-shrink: 0;
}

.itr-legal-govlink:hover{
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

@media (max-width: 900px){
  #mca-legal-disclaimer .itr-legal-outer{
    padding: 0 20px;
  }
}

@media (max-width: 600px){
  #mca-legal-disclaimer{
    padding: 60px 0 72px;
  }

  .itr-legal-header{
    padding: 14px 14px 12px;
  }

  .itr-legal-body{
    padding: 16px 14px 14px;
  }

  .itr-legal-notice{
    flex-direction: row;
    align-items: flex-start;
  }
}

/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}

.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}