:root{
  --p1:#002868;--p2:#00183F;--p3:#1D1D1F;--p4:#5F6368;
  --p5:#E0E4E8;--p6:#F7F9FC;--p7:#FFFFFF;--p8:#BF0A30;--p9:#00875A;
  --accent:#0057B8;--accent-light:#EBF3FF;--gold:#C89200;--gold-light:#FFF8E1;
  --radius:10px;--shadow:0 2px 16px rgba(0,40,104,.10);--trans:.18s ease;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;font-size:16px;color:var(--p3);background:var(--p6);line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;color:var(--p3)}

/* ── HEADER ── */
.tool-header{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%);color:#fff;padding:36px 24px 28px;text-align:center}
.tool-header h1{font-size:clamp(1.4rem,3vw,2rem);color:#fff;margin-bottom:8px}
.tool-header p{opacity:.88;font-size:.97rem;max-width:680px;margin:0 auto}
.badge-row{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:14px}
.badge{background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.3);border-radius:20px;padding:3px 13px;font-size:.78rem;color:#fff}

/* ── MODULE TABS ── */
.mod-tabs{display:flex;flex-wrap:wrap;gap:0;background:var(--p7);border-bottom:2px solid var(--p5);overflow-x:auto;padding:0 16px}
.mod-tab{padding:13px 18px;font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:600;cursor:pointer;border:none;background:none;color:var(--p4);border-bottom:3px solid transparent;margin-bottom:-2px;white-space:nowrap;transition:color var(--trans),border-color var(--trans)}
.mod-tab:hover{color:var(--p1)}
.mod-tab.active{color:var(--p1);border-bottom-color:var(--p1)}

/* ── MAIN WRAPPER ── */
.calc-wrapper{max-width:1180px;margin:0 auto;padding:24px 16px 48px}
.module{display:none}
.module.active{display:block}

/* ── GRID ── */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
@media(max-width:768px){.calc-grid{grid-template-columns:1fr}}

/* ── CARDS ── */
.card{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.card-title{font-size:1rem;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--p1);margin-bottom:16px;padding-bottom:10px;border-bottom:1px solid var(--p5)}

/* ── FORM ELEMENTS ── */
.form-row{margin-bottom:14px}
label{display:block;font-size:.84rem;font-weight:600;color:var(--p3);margin-bottom:5px}
.input-wrap{display:flex;align-items:center;border:1.5px solid var(--p5);border-radius:8px;background:var(--p6);overflow:hidden;transition:border-color var(--trans)}
.input-wrap:focus-within{border-color:var(--p1)}
.prefix,.suffix{padding:0 10px;font-size:.9rem;color:var(--p4);background:var(--p5);height:40px;display:flex;align-items:center;font-weight:600;white-space:nowrap}
.input-wrap input,.input-wrap select{border:none;background:transparent;padding:8px 10px;font-size:.92rem;color:var(--p3);width:100%;outline:none;height:40px;font-family:'Inter',sans-serif}
.hint{font-size:.76rem;color:var(--p4);margin-top:3px}
select{cursor:pointer}
.section-divider{border:none;border-top:1px dashed var(--p5);margin:16px 0}
.sub-heading{font-size:.82rem;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--p4);text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}

/* ── FUND TABS (for multi-fund) ── */
.fund-tabs{display:flex;gap:6px;margin-bottom:14px;flex-wrap:wrap}
.fund-tab{padding:6px 14px;border:1.5px solid var(--p5);border-radius:20px;cursor:pointer;font-size:.82rem;font-weight:600;background:var(--p6);color:var(--p4);transition:all var(--trans)}
.fund-tab.active{background:var(--p1);color:#fff;border-color:var(--p1)}

/* ── BUTTONS ── */
.calc-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.btn{padding:11px 22px;border-radius:8px;font-weight:600;font-size:.9rem;font-family:'Montserrat',sans-serif;cursor:pointer;border:none;transition:all var(--trans);display:inline-flex;align-items:center;gap:7px}
.btn-primary{background:var(--p1);color:#fff}.btn-primary:hover{background:var(--p2)}
.btn-secondary{background:var(--p6);color:var(--p1);border:1.5px solid var(--p1)}.btn-secondary:hover{background:var(--accent-light)}
.btn-whatsapp{background:#25D366;color:#fff}.btn-whatsapp:hover{background:#1DA851}
.btn-pdf,.btn-wa{display:none}

/* ── RESULTS ── */
.results-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
@media(max-width:500px){.results-grid{grid-template-columns:1fr}}
.result-kpi{background:var(--p6);border:1px solid var(--p5);border-radius:8px;padding:13px 14px;text-align:center}
.result-kpi.highlight{background:var(--accent-light);border-color:var(--p1)}
.result-kpi.danger{background:#FFF0F3;border-color:var(--p8)}
.result-kpi.success{background:#F0FBF5;border-color:var(--p9)}
.kpi-label{font-size:.76rem;color:var(--p4);margin-bottom:3px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.kpi-value{font-size:1.3rem;font-weight:700;font-family:'Montserrat',sans-serif;color:var(--p3)}
.kpi-value.red{color:var(--p8)}.kpi-value.green{color:var(--p9)}.kpi-value.blue{color:var(--p1)}

/* ── TABLE ── */
.data-table{width:100%;border-collapse:collapse;font-size:.82rem;margin-top:14px}
.data-table th{background:var(--p1);color:#fff;padding:8px 10px;text-align:right;font-family:'Montserrat',sans-serif;font-size:.78rem}
.data-table th:first-child{text-align:left}
.data-table td{padding:7px 10px;border-bottom:1px solid var(--p5);text-align:right;color:var(--p3)}
.data-table td:first-child{text-align:left;font-weight:600}
.data-table tr:nth-child(even){background:var(--p6)}
.data-table tr:hover{background:var(--accent-light)}
.table-wrap{overflow-x:auto;margin-top:10px}

/* ── CHART ── */
.chart-box{background:var(--p7);border:1px solid var(--p5);border-radius:var(--radius);padding:16px;margin-top:14px}
.chart-title{font-size:.88rem;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--p3);margin-bottom:10px;text-align:center}
.chart-container{position:relative;height:280px}

/* ── COMPARISON TABLE ── */
.compare-table{width:100%;border-collapse:collapse;font-size:.84rem}
.compare-table th{background:var(--p1);color:#fff;padding:10px 12px;text-align:left;font-family:'Montserrat',sans-serif}
.compare-table td{padding:9px 12px;border-bottom:1px solid var(--p5)}
.compare-table tr:nth-child(even){background:var(--p6)}
.winner-badge{background:var(--p9);color:#fff;border-radius:12px;padding:2px 9px;font-size:.72rem;font-weight:700;margin-left:6px}

/* ── INFO BOXES ── */
.info-box{background:var(--accent-light);border-left:4px solid var(--p1);border-radius:0 8px 8px 0;padding:12px 16px;margin-bottom:14px;font-size:.88rem;color:var(--p3)}
.warn-box{background:var(--gold-light);border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:12px 16px;margin-bottom:14px;font-size:.88rem;color:var(--p3)}
.danger-box{background:#FFF0F3;border-left:4px solid var(--p8);border-radius:0 8px 8px 0;padding:12px 16px;margin-bottom:14px;font-size:.88rem}

/* ── ACCOUNT TYPE SELECTOR ── */
.acct-selector{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:14px}
@media(max-width:480px){.acct-selector{grid-template-columns:1fr}}
.acct-card{border:2px solid var(--p5);border-radius:8px;padding:10px 12px;cursor:pointer;transition:all var(--trans);background:var(--p6)}
.acct-card.selected{border-color:var(--p1);background:var(--accent-light)}
.acct-card .acct-name{font-weight:700;font-size:.88rem;color:var(--p3)}
.acct-card .acct-desc{font-size:.76rem;color:var(--p4);margin-top:2px}

/* ── RANGE SLIDER ── */
input[type=range]{-webkit-appearance:none;width:100%;height:6px;background:var(--p5);border-radius:3px;outline:none;margin:6px 0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;background:var(--p1);border-radius:50%;cursor:pointer}

/* ── RESPONSIVE TABLE SCROLL ── */
.scroll-hint{font-size:.75rem;color:var(--p4);text-align:right;margin-top:4px}

/* ── FOOTER ── */
.tool-footer{text-align:center;padding:18px 16px;font-size:.78rem;color:var(--p4);border-top:1px solid var(--p5);margin-top:24px}
/* ── SECTION 1: HOW THIS CALCULATOR WORKS ── */
.edu-section{max-width:1180px;margin:0 auto;padding:0 16px 64px}

/* Section Header */
.edu-section-header{text-align:center;padding:48px 16px 36px}
.edu-section-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--accent-light);border:1px solid rgba(0,87,184,.20);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.edu-section-header .section-eyebrow svg{flex-shrink:0}
.edu-section-header h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:14px}
.edu-section-header p.lead{font-size:1.05rem;color:var(--p4);max-width:700px;margin:0 auto;line-height:1.7}

/* ── INTRO EXPLAINER CARD ── */
.intro-explainer{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%);border-radius:14px;padding:32px 36px;margin-bottom:32px;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
@media(max-width:768px){.intro-explainer{grid-template-columns:1fr;padding:24px 20px;gap:20px}}
.intro-explainer h3{font-family:'Montserrat',sans-serif;font-size:1.25rem;font-weight:800;color:#fff;margin-bottom:12px;line-height:1.3}
.intro-explainer p{font-size:.95rem;color:rgba(255,255,255,.88);line-height:1.7;margin-bottom:0}
.intro-stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.intro-stat-box{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.22);border-radius:10px;padding:14px 16px;text-align:center}
.intro-stat-box .i-stat-val{font-family:'Montserrat',sans-serif;font-size:1.6rem;font-weight:800;color:#fff;line-height:1}
.intro-stat-box .i-stat-val span{font-size:1rem;font-weight:600;opacity:.8}
.intro-stat-box .i-stat-label{font-size:.73rem;color:rgba(255,255,255,.68);margin-top:4px;font-weight:500;text-transform:uppercase;letter-spacing:.06em}

/* ── HOW IT WORKS — STEP FLOW ── */
.steps-heading{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin-bottom:20px;display:flex;align-items:center;gap:10px}
.steps-heading::after{content:'';flex:1;height:2px;background:var(--p5)}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:32px}
@media(max-width:960px){.steps-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.steps-grid{grid-template-columns:1fr}}
.step-card{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:20px;position:relative;box-shadow:0 2px 16px rgba(0,40,104,.08);transition:box-shadow .18s ease,transform .18s ease}
.step-card:hover{box-shadow:0 8px 32px rgba(0,40,104,.14);transform:translateY(-2px)}
.step-num{width:36px;height:36px;background:var(--p1);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.88rem;margin-bottom:12px;flex-shrink:0}
.step-card h4{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:700;color:var(--p1);margin-bottom:7px;line-height:1.3}
.step-card p{font-size:.82rem;color:var(--p4);line-height:1.6;margin:0}
.step-card .step-tag{display:inline-block;background:var(--accent-light);color:var(--p1);font-size:.72rem;font-weight:700;padding:2px 8px;border-radius:4px;margin-bottom:8px;text-transform:uppercase;letter-spacing:.05em}

/* ── MODULE EXPLAINER ── */
.modules-heading{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin-bottom:20px;display:flex;align-items:center;gap:10px}
.modules-heading::after{content:'';flex:1;height:2px;background:var(--p5)}
.modules-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:32px}
@media(max-width:900px){.modules-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.modules-grid{grid-template-columns:1fr}}
.module-card{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:18px 20px;box-shadow:0 2px 16px rgba(0,40,104,.08);display:flex;flex-direction:column;gap:8px;transition:box-shadow .18s ease,transform .18s ease}
.module-card:hover{box-shadow:0 8px 32px rgba(0,40,104,.14);transform:translateY(-2px)}
.module-card-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.2rem;flex-shrink:0;margin-bottom:4px}
.module-card-icon.navy{background:var(--accent-light)}
.module-card-icon.gold{background:var(--gold-light)}
.module-card-icon.green{background:#F0FBF5}
.module-card-icon.red{background:#FFF0F3}
.module-card h4{font-family:'Montserrat',sans-serif;font-size:.9rem;font-weight:700;color:var(--p3);line-height:1.3}
.module-card p{font-size:.81rem;color:var(--p4);line-height:1.6;margin:0}
.module-card .mod-formula{background:var(--p6);border:1px solid var(--p5);border-radius:6px;padding:8px 12px;font-family:'Courier New',monospace;font-size:.76rem;color:var(--p1);margin-top:4px;word-break:break-word;line-height:1.5}

/* ── FEE MATH EXPLAINER ── */
.fee-math-block{background:var(--p7);border:1px solid var(--p5);border-radius:14px;padding:28px;margin-bottom:32px;box-shadow:0 2px 16px rgba(0,40,104,.08)}
.fee-math-block h3{font-family:'Montserrat',sans-serif;font-size:1.05rem;font-weight:800;color:var(--p1);margin-bottom:18px}
.fee-math-inner{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
@media(max-width:768px){.fee-math-inner{grid-template-columns:1fr}}
.fee-formula-box{background:var(--p6);border:1px solid var(--p5);border-radius:10px;padding:18px}
.fee-formula-box .formula-label{font-size:.76rem;font-weight:700;color:var(--p4);text-transform:uppercase;letter-spacing:.07em;margin-bottom:8px}
.fee-formula-box .formula-line{font-family:'Courier New',monospace;font-size:.85rem;color:var(--p1);font-weight:600;line-height:1.7;border-left:3px solid var(--p1);padding-left:12px;margin-bottom:6px}
.fee-formula-box .formula-note{font-size:.76rem;color:var(--p4);margin-top:8px;line-height:1.6}
.fee-example-table{width:100%;border-collapse:collapse;font-size:.83rem}
.fee-example-table thead th{background:var(--p1);color:#fff;padding:9px 12px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.78rem}
.fee-example-table tbody td{padding:9px 12px;border-bottom:1px solid var(--p5);color:var(--p3)}
.fee-example-table tbody tr:nth-child(even){background:var(--p6)}
.fee-example-table tbody tr:hover{background:var(--accent-light)}
.fee-example-table .td-red{color:var(--p8);font-weight:700}
.fee-example-table .td-green{color:var(--p9);font-weight:700}
.fee-example-table .td-bold{font-weight:700}

/* ── COMPOUND DRAG VISUAL ── */
.compound-visual{background:linear-gradient(135deg,#FFF8E1 0%,#FFFBF0 100%);border:1px solid var(--gold);border-radius:14px;padding:24px 28px;margin-bottom:32px}
.compound-visual h3{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:6px}
.compound-visual p.cv-sub{font-size:.88rem;color:var(--p4);margin-bottom:16px;line-height:1.6}
.compound-bar-track{margin-bottom:12px}
.compound-bar-track .bar-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:5px}
.compound-bar-track .bar-label span:first-child{font-size:.82rem;font-weight:600;color:var(--p3)}
.compound-bar-track .bar-label span:last-child{font-size:.84rem;font-weight:700;font-family:'Montserrat',sans-serif}
.bar-bg{height:12px;background:var(--p5);border-radius:6px;overflow:hidden}
.bar-fill{height:100%;border-radius:6px;transition:width 1.1s cubic-bezier(.23,1,.32,1)}
.bar-fill.green{background:var(--p9)}
.bar-fill.amber{background:var(--gold)}
.bar-fill.red{background:var(--p8)}
.compound-note{font-size:.78rem;color:var(--p4);margin-top:12px;padding:10px 14px;background:rgba(200,146,0,.08);border-radius:8px;border-left:3px solid var(--gold)}

/* ── FEE TYPE GLOSSARY ── */
.fee-glossary-heading{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin-bottom:20px;display:flex;align-items:center;gap:10px}
.fee-glossary-heading::after{content:'';flex:1;height:2px;background:var(--p5)}
.fee-types-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:32px}
@media(max-width:900px){.fee-types-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.fee-types-grid{grid-template-columns:1fr}}
.fee-type-card{background:var(--p7);border:1px solid var(--p5);border-radius:10px;padding:16px 18px;box-shadow:0 1px 8px rgba(0,40,104,.06)}
.fee-type-card .ft-badge{display:inline-flex;align-items:center;gap:5px;padding:3px 10px;border-radius:4px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin-bottom:9px}
.ft-badge.navy{background:var(--accent-light);color:var(--p1)}
.ft-badge.amber{background:var(--gold-light);color:var(--gold)}
.ft-badge.red{background:#FFF0F3;color:var(--p8)}
.ft-badge.green{background:#F0FBF5;color:var(--p9)}
.fee-type-card h4{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:700;color:var(--p3);margin-bottom:6px}
.fee-type-card p{font-size:.80rem;color:var(--p4);line-height:1.6;margin-bottom:8px}
.fee-type-card .ft-typical{display:flex;align-items:center;justify-content:space-between;background:var(--p6);border-radius:6px;padding:7px 10px;font-size:.76rem}
.fee-type-card .ft-typical span:first-child{color:var(--p4);font-weight:600}
.fee-type-card .ft-typical span:last-child{font-weight:700;font-family:'Montserrat',sans-serif}
.ft-typical span.green-val{color:var(--p9)}
.ft-typical span.red-val{color:var(--p8)}

/* ── INFO / WARN BOXES (matching calculator style) ── */
.edu-info-box{background:var(--accent-light);border-left:4px solid var(--p1);border-radius:0 8px 8px 0;padding:14px 18px;margin-bottom:18px;font-size:.88rem;color:var(--p3);line-height:1.6}
.edu-info-box strong{color:var(--p1)}
.edu-warn-box{background:var(--gold-light);border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:14px 18px;margin-bottom:18px;font-size:.88rem;color:var(--p3);line-height:1.6}
.edu-warn-box strong{color:var(--gold)}
.edu-danger-box{background:#FFF0F3;border-left:4px solid var(--p8);border-radius:0 8px 8px 0;padding:14px 18px;margin-bottom:18px;font-size:.88rem;color:var(--p3);line-height:1.6}
.edu-danger-box strong{color:var(--p8)}

/* ── ACCURACY & STANDARDS BLOCK ── */
.standards-block{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:32px}
@media(max-width:900px){.standards-block{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.standards-block{grid-template-columns:1fr}}
.standard-item{background:var(--p7);border:1px solid var(--p5);border-radius:10px;padding:16px;text-align:center;box-shadow:0 1px 8px rgba(0,40,104,.06)}
.standard-item .si-icon{font-size:1.6rem;margin-bottom:8px;display:block}
.standard-item h5{font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:700;color:var(--p1);margin-bottom:5px}
.standard-item p{font-size:.76rem;color:var(--p4);line-height:1.5;margin:0}

/* ── SCROLL ANIMATION ── */
.edu-fade{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s ease}
.edu-fade.visible{opacity:1;transform:translateY(0)}
/* ── SECTION 2: 5 REAL US EXAMPLES ── */
.examples-section{max-width:1180px;margin:0 auto;padding:0 16px 64px}

/* Section Divider */
.section-divider-band{background:linear-gradient(90deg,var(--p1) 0%,var(--accent) 100%);height:3px;width:100%;margin-bottom:0}

/* Section Header */
.examples-header{text-align:center;padding:48px 16px 36px}
.examples-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--accent-light);border:1px solid rgba(0,87,184,.20);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.examples-header h2{font-family:\'Montserrat\',sans-serif;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:14px}
.examples-header p.lead{font-size:1.05rem;color:var(--p4);max-width:720px;margin:0 auto;line-height:1.7}

/* ── EXAMPLE CARD ── */
.example-card{background:var(--p7);border:1px solid var(--p5);border-radius:14px;padding:0;margin-bottom:28px;box-shadow:0 2px 20px rgba(0,40,104,.09);overflow:hidden;transition:box-shadow .2s ease,transform .2s ease}
.example-card:hover{box-shadow:0 10px 40px rgba(0,40,104,.14);transform:translateY(-2px)}

/* Card Header */
.ex-card-header{padding:18px 24px 16px;display:flex;align-items:flex-start;gap:14px;border-bottom:1px solid var(--p5)}
.ex-num-badge{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:1.1rem;color:#fff;flex-shrink:0}
.ex-num-badge.navy{background:var(--p1)}
.ex-num-badge.accent{background:var(--accent)}
.ex-num-badge.green{background:var(--p9)}
.ex-num-badge.red{background:var(--p8)}
.ex-num-badge.gold{background:var(--gold)}
.ex-header-text{flex:1}
.ex-header-text .ex-persona{font-size:.73rem;font-weight:700;color:var(--p4);text-transform:uppercase;letter-spacing:.08em;margin-bottom:3px}
.ex-header-text h3{font-family:\'Montserrat\',sans-serif;font-size:1rem;font-weight:800;color:var(--p1);line-height:1.3;margin-bottom:0}
.ex-header-text .ex-subtitle{font-size:.82rem;color:var(--p4);margin-top:3px;line-height:1.5}
.ex-verdict-pill{display:inline-flex;align-items:center;gap:5px;padding:5px 13px;border-radius:20px;font-size:.75rem;font-weight:700;white-space:nowrap;align-self:center}
.ex-verdict-pill.danger{background:#FFF0F3;border:1px solid var(--p8);color:var(--p8)}
.ex-verdict-pill.success{background:#F0FBF5;border:1px solid var(--p9);color:var(--p9)}

/* Card Body */
.ex-card-body{padding:20px 24px}
.ex-story{font-size:.9rem;color:var(--p4);line-height:1.75;margin-bottom:18px}
.ex-story strong{color:var(--p3)}

/* Scenario Context Bar */
.ex-context-bar{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.ex-context-pill{display:inline-flex;align-items:center;gap:6px;background:var(--p6);border:1px solid var(--p5);border-radius:8px;padding:6px 12px;font-size:.78rem;font-weight:600;color:var(--p3)}
.ex-context-pill span.pill-icon{font-size:.88rem}
.ex-context-pill span.pill-label{color:var(--p4);font-weight:500}

/* Fund Comparison Grid */
.fund-compare-grid{display:grid;gap:12px;margin-bottom:18px}
.fund-compare-grid.two-col{grid-template-columns:1fr 1fr}
.fund-compare-grid.four-col{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.fund-compare-grid.four-col{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.fund-compare-grid.two-col,.fund-compare-grid.four-col{grid-template-columns:1fr}}

.fund-box{border-radius:10px;padding:14px 16px;border:1.5px solid var(--p5)}
.fund-box.winner{border-color:var(--p9);background:#F0FBF5}
.fund-box.loser{border-color:var(--p8);background:#FFF5F7}
.fund-box.neutral{background:var(--p6)}
.fund-box .fb-label{font-size:.70rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.fund-box.winner .fb-label{color:var(--p9)}
.fund-box.loser .fb-label{color:var(--p8)}
.fund-box.neutral .fb-label{color:var(--p4)}
.fund-box .fb-name{font-family:\'Montserrat\',sans-serif;font-size:.84rem;font-weight:700;color:var(--p3);margin-bottom:8px;line-height:1.3}
.fund-box .fb-ticker{display:inline-block;background:var(--p1);color:#fff;font-size:.68rem;font-weight:700;padding:1px 7px;border-radius:4px;margin-bottom:8px;font-family:\'Courier New\',monospace}
.fund-box.winner .fb-ticker{background:var(--p9)}
.fund-box.loser .fb-ticker{background:var(--p8)}
.fund-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--p5);font-size:.78rem}
.fund-row:last-child{border-bottom:none}
.fund-row .fr-key{color:var(--p4);font-weight:500}
.fund-row .fr-val{font-weight:700;font-family:\'Montserrat\',sans-serif;color:var(--p3)}
.fund-row .fr-val.green{color:var(--p9)}
.fund-row .fr-val.red{color:var(--p8)}
.fund-row .fr-val.blue{color:var(--p1)}

/* KPI Result Strip */
.ex-result-strip{background:var(--p6);border:1px solid var(--p5);border-radius:10px;padding:14px 18px;margin-bottom:16px}
.ex-result-strip-label{font-size:.72rem;font-weight:700;color:var(--p4);text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.ex-kpi-row{display:flex;flex-wrap:wrap;gap:14px}
.ex-kpi{flex:1;min-width:130px;text-align:center}
.ex-kpi .ek-label{font-size:.72rem;color:var(--p4);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:3px}
.ex-kpi .ek-val{font-family:\'Montserrat\',sans-serif;font-size:1.15rem;font-weight:800;line-height:1}
.ex-kpi .ek-val.red{color:var(--p8)}
.ex-kpi .ek-val.green{color:var(--p9)}
.ex-kpi .ek-val.blue{color:var(--p1)}

/* Takeaway / Lesson box */
.ex-takeaway{background:var(--accent-light);border-left:4px solid var(--p1);border-radius:0 10px 10px 0;padding:13px 16px;font-size:.86rem;color:var(--p3);line-height:1.65}
.ex-takeaway strong{color:var(--p1)}
.ex-takeaway.warn{background:var(--gold-light);border-left-color:var(--gold)}
.ex-takeaway.warn strong{color:var(--gold)}
.ex-takeaway.danger{background:#FFF0F3;border-left-color:var(--p8)}
.ex-takeaway.danger strong{color:var(--p8)}
.ex-takeaway.success{background:#F0FBF5;border-left-color:var(--p9)}
.ex-takeaway.success strong{color:var(--p9)}

/* Module badge */
.ex-module-tag{display:inline-flex;align-items:center;gap:5px;background:var(--p1);color:#fff;font-size:.71rem;font-weight:700;padding:3px 10px;border-radius:4px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.05em}

/* Section closing CTA */
.examples-cta{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%);border-radius:14px;padding:32px 36px;margin-top:8px;text-align:center}
.examples-cta h3{font-family:\'Montserrat\',sans-serif;font-size:1.2rem;font-weight:800;color:#fff;margin-bottom:10px}
.examples-cta p{font-size:.92rem;color:rgba(255,255,255,.85);margin-bottom:18px;max-width:560px;margin-left:auto;margin-right:auto;line-height:1.6}
.examples-cta .cta-btn{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--p1);font-family:\'Montserrat\',sans-serif;font-weight:800;font-size:.9rem;padding:12px 26px;border-radius:8px;text-decoration:none;transition:background .18s ease,transform .18s ease}
.examples-cta .cta-btn:hover{background:var(--accent-light);transform:translateY(-1px)}

/* Scroll animation */
.ex-fade{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s ease}
.ex-fade.visible{opacity:1;transform:translateY(0)}
/* ── SECTION 3: PRO TIPS + KEY BENEFITS ── */
.tips-section{max-width:1180px;margin:0 auto;padding:0 16px 64px}

/* ── SECTION DIVIDER ── */
.tips-divider-band{background:linear-gradient(90deg,var(--p9) 0%,#00b87a 100%);height:3px;width:100%}

/* ── SECTION HEADER ── */
.tips-header{text-align:center;padding:48px 16px 36px}
.tips-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:#F0FBF5;border:1px solid rgba(0,135,90,.25);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--p9);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.tips-header h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:14px}
.tips-header p.lead{font-size:1.05rem;color:var(--p4);max-width:720px;margin:0 auto;line-height:1.7}

/* ── STAT STRIP ── */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:40px}
@media(max-width:900px){.stat-strip{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.stat-strip{grid-template-columns:1fr 1fr}}
.stat-strip-item{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:18px 16px;text-align:center;box-shadow:0 2px 12px rgba(0,40,104,.07)}
.stat-strip-item .ss-val{font-family:'Montserrat',sans-serif;font-size:1.6rem;font-weight:800;color:var(--p1);line-height:1;margin-bottom:4px}
.stat-strip-item .ss-val.red{color:var(--p8)}
.stat-strip-item .ss-val.green{color:var(--p9)}
.stat-strip-item .ss-val.gold{color:var(--gold)}
.stat-strip-item .ss-label{font-size:.74rem;color:var(--p4);font-weight:600;line-height:1.4}
.stat-strip-item .ss-source{font-size:.68rem;color:var(--p4);opacity:.7;margin-top:4px}

/* ── PRO TIPS ── */
.pro-tips-heading{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin-bottom:22px;display:flex;align-items:center;gap:10px}
.pro-tips-heading::after{content:'';flex:1;height:2px;background:var(--p5)}

.tip-card{background:var(--p7);border:1px solid var(--p5);border-radius:14px;padding:0;margin-bottom:20px;box-shadow:0 2px 16px rgba(0,40,104,.08);overflow:hidden;transition:box-shadow .2s ease,transform .2s ease;display:grid;grid-template-columns:auto 1fr;align-items:stretch}
.tip-card:hover{box-shadow:0 10px 36px rgba(0,40,104,.14);transform:translateY(-2px)}
@media(max-width:600px){.tip-card{grid-template-columns:1fr}}

/* Left accent stripe + number */
.tip-accent{width:72px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;padding:20px 10px;flex-shrink:0}
.tip-accent.green{background:linear-gradient(160deg,var(--p9) 0%,#00a868 100%)}
.tip-accent.navy{background:linear-gradient(160deg,var(--p1) 0%,var(--accent) 100%)}
.tip-accent.gold{background:linear-gradient(160deg,var(--gold) 0%,#e0a800 100%)}
.tip-accent.red{background:linear-gradient(160deg,var(--p8) 0%,#d44040 100%)}
.tip-accent.teal{background:linear-gradient(160deg,#0077A8 0%,#0099CC 100%)}
@media(max-width:600px){.tip-accent{width:100%;height:52px;flex-direction:row;padding:12px 18px;gap:12px}}
.tip-num{font-family:'Montserrat',sans-serif;font-size:1.5rem;font-weight:800;color:#fff;line-height:1}
.tip-icon{font-size:1.3rem}
@media(max-width:600px){.tip-num{font-size:1.1rem}.tip-icon{font-size:1rem}}

/* Tip body */
.tip-body{padding:20px 24px}
.tip-body .tip-tag{display:inline-block;font-size:.71rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;padding:2px 9px;border-radius:4px;margin-bottom:9px}
.tip-tag.green{background:#F0FBF5;color:var(--p9)}
.tip-tag.navy{background:var(--accent-light);color:var(--p1)}
.tip-tag.gold{background:var(--gold-light);color:var(--gold)}
.tip-tag.red{background:#FFF0F3;color:var(--p8)}
.tip-tag.teal{background:#EBF7FF;color:#0077A8}
.tip-body h4{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:800;color:var(--p3);margin-bottom:9px;line-height:1.3}
.tip-body p{font-size:.88rem;color:var(--p4);line-height:1.72;margin-bottom:10px}
.tip-body p:last-child{margin-bottom:0}
.tip-body strong{color:var(--p3)}

/* Tip action box */
.tip-action{background:var(--p6);border:1px solid var(--p5);border-radius:8px;padding:10px 14px;display:flex;align-items:flex-start;gap:10px;margin-top:10px;font-size:.82rem;color:var(--p3);line-height:1.6}
.tip-action .ta-icon{font-size:1.1rem;flex-shrink:0;margin-top:1px}
.tip-action strong{color:var(--p1)}

/* Tip data point pills */
.tip-data-row{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}
.tip-data-pill{display:inline-flex;align-items:center;gap:5px;background:var(--p6);border:1px solid var(--p5);border-radius:6px;padding:5px 11px;font-size:.77rem;font-weight:600;color:var(--p3)}
.tip-data-pill .dp-icon{font-size:.85rem}
.tip-data-pill.highlight{background:var(--accent-light);border-color:rgba(0,87,184,.2);color:var(--p1)}
.tip-data-pill.danger{background:#FFF0F3;border-color:rgba(191,10,48,.2);color:var(--p8)}
.tip-data-pill.success{background:#F0FBF5;border-color:rgba(0,135,90,.2);color:var(--p9)}

/* ── KEY BENEFITS ── */
.benefits-heading{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:var(--p1);margin:40px 0 22px;display:flex;align-items:center;gap:10px}
.benefits-heading::after{content:'';flex:1;height:2px;background:var(--p5)}

.benefits-banner{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%);border-radius:14px;padding:28px 32px 24px;margin-bottom:24px}
.benefits-banner p{font-size:.92rem;color:rgba(255,255,255,.85);line-height:1.7;margin-bottom:0;max-width:820px}
.benefits-banner p strong{color:#fff}

.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}
@media(max-width:900px){.benefits-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.benefits-grid{grid-template-columns:1fr}}

.benefit-card{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:20px;box-shadow:0 2px 12px rgba(0,40,104,.07);display:flex;flex-direction:column;gap:10px;transition:box-shadow .2s ease,transform .2s ease}
.benefit-card:hover{box-shadow:0 8px 28px rgba(0,40,104,.13);transform:translateY(-2px)}
.benefit-card .bc-icon-row{display:flex;align-items:center;gap:12px}
.benefit-card .bc-icon{width:44px;height:44px;border-radius:11px;display:flex;align-items:center;justify-content:center;font-size:1.25rem;flex-shrink:0}
.bc-icon.navy{background:var(--accent-light)}
.bc-icon.green{background:#F0FBF5}
.bc-icon.gold{background:var(--gold-light)}
.bc-icon.red{background:#FFF0F3}
.bc-icon.teal{background:#EBF7FF}
.bc-icon.purple{background:#F3EFFF}
.benefit-card .bc-title{font-family:'Montserrat',sans-serif;font-size:.9rem;font-weight:800;color:var(--p1);line-height:1.25}
.benefit-card p{font-size:.81rem;color:var(--p4);line-height:1.65;margin:0}
.benefit-card .bc-proof{background:var(--p6);border-radius:6px;padding:7px 11px;font-size:.76rem;font-weight:600;color:var(--p3);border-left:3px solid var(--p1)}

/* Vs Competitor Table */
.vs-table-wrap{background:var(--p7);border:1px solid var(--p5);border-radius:14px;padding:24px;margin-bottom:24px;box-shadow:0 2px 12px rgba(0,40,104,.07)}
.vs-table-wrap h4{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--p1);margin-bottom:16px}
.vs-table{width:100%;border-collapse:collapse;font-size:.82rem}
.vs-table thead th{background:var(--p1);color:#fff;padding:10px 14px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.78rem}
.vs-table thead th:not(:first-child){text-align:center}
.vs-table tbody td{padding:10px 14px;border-bottom:1px solid var(--p5);color:var(--p3);vertical-align:middle}
.vs-table tbody td:not(:first-child){text-align:center}
.vs-table tbody tr:nth-child(even){background:var(--p6)}
.vs-table tbody tr:hover{background:var(--accent-light)}
.vs-table .td-feat{font-weight:600;color:var(--p3)}
.vs-table .check{color:var(--p9);font-size:1rem;font-weight:700}
.vs-table .cross{color:var(--p8);font-size:1rem}
.vs-table .partial{color:var(--gold);font-size:.85rem;font-weight:600}
.vs-table .our-col{background:var(--accent-light)!important;font-weight:700;color:var(--p1)}

/* Final CTA */
.tips-cta{background:linear-gradient(135deg,var(--p9) 0%,#00a868 100%);border-radius:14px;padding:28px 32px;text-align:center;margin-top:4px}
.tips-cta h3{font-family:'Montserrat',sans-serif;font-size:1.15rem;font-weight:800;color:#fff;margin-bottom:8px}
.tips-cta p{font-size:.92rem;color:rgba(255,255,255,.88);max-width:580px;margin:0 auto 16px;line-height:1.6}
.tips-cta .cta-links{display:flex;flex-wrap:wrap;justify-content:center;gap:12px}
.tips-cta-btn{display:inline-flex;align-items:center;gap:7px;background:#fff;color:var(--p9);font-family:'Montserrat',sans-serif;font-weight:800;font-size:.86rem;padding:10px 22px;border-radius:8px;text-decoration:none;transition:all .18s ease}
.tips-cta-btn:hover{background:var(--accent-light);color:var(--p1);transform:translateY(-1px)}
.tips-cta-btn.outline{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5)}
.tips-cta-btn.outline:hover{background:rgba(255,255,255,.12);border-color:#fff}

/* Scroll fade */
.tips-fade{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s ease}
.tips-fade.visible{opacity:1;transform:translateY(0)}
/* ── SECTION 4: FAQs ── */
.faq-section{max-width:1180px;margin:0 auto;padding:0 16px 64px}
.faq-divider-band{background:linear-gradient(90deg,var(--gold) 0%,#e0b800 100%);height:3px;width:100%}

/* Header */
.faq-header{text-align:center;padding:48px 16px 36px}
.faq-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--gold-light);border:1px solid rgba(200,146,0,.25);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.faq-header h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:14px}
.faq-header p.lead{font-size:1.05rem;color:var(--p4);max-width:720px;margin:0 auto;line-height:1.7}

/* Category tabs */
.faq-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;justify-content:center}
.faq-tab{border:1.5px solid var(--p5);background:var(--p7);border-radius:20px;padding:6px 16px;font-size:.78rem;font-weight:700;color:var(--p4);cursor:pointer;transition:all .18s ease;display:inline-flex;align-items:center;gap:6px}
.faq-tab.active,.faq-tab:hover{background:var(--p1);color:#fff;border-color:var(--p1)}

/* FAQ groups */
.faq-group{margin-bottom:12px}
.faq-group-label{font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.10em;color:var(--p4);margin:28px 0 12px;display:flex;align-items:center;gap:10px}
.faq-group-label::after{content:'';flex:1;height:1px;background:var(--p5)}
.faq-group-label .fgl-icon{width:24px;height:24px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.85rem;flex-shrink:0}
.fgl-icon.navy{background:var(--accent-light)}
.fgl-icon.gold{background:var(--gold-light)}
.fgl-icon.green{background:#F0FBF5}
.fgl-icon.red{background:#FFF0F3}
.fgl-icon.teal{background:#EBF7FF}

/* FAQ accordion item */
.faq-item{background:var(--p7);border:1px solid var(--p5);border-radius:10px;margin-bottom:8px;overflow:hidden;box-shadow:0 1px 8px rgba(0,40,104,.05);transition:box-shadow .2s ease}
.faq-item:hover{box-shadow:0 4px 20px rgba(0,40,104,.10)}
.faq-item.open{border-color:var(--p1);box-shadow:0 4px 20px rgba(0,40,104,.12)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 20px;display:flex;align-items:flex-start;gap:14px;cursor:pointer;font-family:'Inter',sans-serif}
.faq-q-num{font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:800;color:var(--p4);min-width:26px;margin-top:2px;flex-shrink:0}
.faq-q-text{flex:1;font-size:.92rem;font-weight:700;color:var(--p3);text-align:left;line-height:1.45}
.faq-item.open .faq-q-text{color:var(--p1)}
.faq-q-arrow{width:22px;height:22px;border-radius:50%;background:var(--p6);border:1px solid var(--p5);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .22s ease,background .18s ease;margin-top:1px}
.faq-item.open .faq-q-arrow{background:var(--p1);border-color:var(--p1);transform:rotate(180deg)}
.faq-q-arrow svg{display:block}
.faq-item.open .faq-q-arrow svg path{stroke:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .38s cubic-bezier(.4,0,.2,1)}
.faq-a-inner{padding:0 20px 18px 60px;font-size:.88rem;color:var(--p4);line-height:1.75}
.faq-a-inner p{margin-bottom:10px}
.faq-a-inner p:last-child{margin-bottom:0}
.faq-a-inner strong{color:var(--p3)}
.faq-a-inner a{color:var(--p1);font-weight:600}
.faq-a-inner .fa-highlight{background:var(--accent-light);border-left:3px solid var(--p1);border-radius:0 7px 7px 0;padding:10px 14px;margin:10px 0;font-size:.84rem;color:var(--p3);line-height:1.65}
.faq-a-inner .fa-highlight strong{color:var(--p1)}
.faq-a-inner .fa-warn{background:var(--gold-light);border-left:3px solid var(--gold);border-radius:0 7px 7px 0;padding:10px 14px;margin:10px 0;font-size:.84rem;color:var(--p3);line-height:1.65}
.faq-a-inner .fa-warn strong{color:var(--gold)}
.faq-a-inner .fa-formula{background:var(--p6);border:1px solid var(--p5);border-radius:7px;padding:10px 14px;margin:10px 0;font-family:'Courier New',monospace;font-size:.80rem;color:var(--p1);line-height:1.6}
.faq-a-inner ul{padding-left:18px;margin:8px 0}
.faq-a-inner ul li{margin-bottom:5px;font-size:.86rem;color:var(--p4);line-height:1.6}
.faq-a-inner ul li strong{color:var(--p3)}

/* Bottom CTA */
.faq-cta{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%);border-radius:14px;padding:28px 32px;margin-top:32px;text-align:center}
.faq-cta h3{font-family:'Montserrat',sans-serif;font-size:1.1rem;font-weight:800;color:#fff;margin-bottom:8px}
.faq-cta p{font-size:.9rem;color:rgba(255,255,255,.85);margin-bottom:16px;max-width:560px;margin-left:auto;margin-right:auto;line-height:1.6}
.faq-cta-btn{display:inline-flex;align-items:center;gap:7px;background:#fff;color:var(--p1);font-family:'Montserrat',sans-serif;font-weight:800;font-size:.87rem;padding:11px 24px;border-radius:8px;text-decoration:none;transition:all .18s ease}
.faq-cta-btn:hover{background:var(--accent-light);transform:translateY(-1px)}

/* Scroll fade */
.faq-fade{opacity:0;transform:translateY(18px);transition:opacity .5s ease,transform .5s ease}
.faq-fade.visible{opacity:1;transform:translateY(0)}

@media(max-width:600px){
  .faq-a-inner{padding-left:20px}
  .faq-q{padding:14px 16px}
}
/* ── SECTION 5: RELATED CALCULATORS ── */
.related-section{max-width:1180px;margin:0 auto;padding:0 16px 72px}
.related-divider-band{background:linear-gradient(90deg,var(--accent) 0%,var(--p1) 100%);height:3px;width:100%}

/* Header */
.related-header{text-align:center;padding:48px 16px 36px}
.related-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--accent-light);border:1px solid rgba(0,87,184,.20);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--p1);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.related-header h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.4rem,3vw,2rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:12px}
.related-header p.lead{font-size:1rem;color:var(--p4);max-width:700px;margin:0 auto;line-height:1.7}

/* Category label */
.related-cat-label{font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.10em;color:var(--p4);margin:32px 0 14px;display:flex;align-items:center;gap:10px}
.related-cat-label::after{content:'';flex:1;height:1px;background:var(--p5)}
.related-cat-label .rcl-icon{width:28px;height:28px;border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.rcl-icon.navy{background:var(--accent-light)}
.rcl-icon.green{background:#F0FBF5}
.rcl-icon.gold{background:var(--gold-light)}
.rcl-icon.red{background:#FFF0F3}
.rcl-icon.teal{background:#EBF7FF}
.rcl-icon.purple{background:#F3EFFF}

/* Grid */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:6px}
@media(max-width:960px){.related-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.related-grid{grid-template-columns:1fr}}
.related-grid.two-col{grid-template-columns:repeat(2,1fr)}
@media(max-width:640px){.related-grid.two-col{grid-template-columns:1fr}}

/* Calculator card */
.rc-card{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:18px 20px;box-shadow:0 2px 12px rgba(0,40,104,.07);display:flex;flex-direction:column;gap:9px;transition:box-shadow .2s ease,transform .2s ease;text-decoration:none;color:inherit;position:relative;overflow:hidden}
.rc-card:hover{box-shadow:0 8px 28px rgba(0,40,104,.14);transform:translateY(-2px);border-color:var(--p1)}
.rc-card.featured{border-color:var(--p1);border-width:1.5px}
.rc-card.featured::before{content:'⭐ Most Related';position:absolute;top:0;right:0;background:var(--p1);color:#fff;font-size:.65rem;font-weight:800;padding:3px 10px;border-radius:0 0 0 8px;letter-spacing:.05em;text-transform:uppercase}

/* Card inner elements */
.rc-icon-row{display:flex;align-items:center;gap:11px}
.rc-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.15rem;flex-shrink:0}
.rc-icon.navy{background:var(--accent-light)}
.rc-icon.green{background:#F0FBF5}
.rc-icon.gold{background:var(--gold-light)}
.rc-icon.red{background:#FFF0F3}
.rc-icon.teal{background:#EBF7FF}
.rc-icon.purple{background:#F3EFFF}
.rc-icon.dark{background:var(--p6)}
.rc-badge{display:inline-flex;align-items:center;font-size:.68rem;font-weight:700;padding:2px 8px;border-radius:4px;text-transform:uppercase;letter-spacing:.05em}
.rc-badge.navy{background:var(--accent-light);color:var(--p1)}
.rc-badge.green{background:#F0FBF5;color:var(--p9)}
.rc-badge.gold{background:var(--gold-light);color:var(--gold)}
.rc-badge.red{background:#FFF0F3;color:var(--p8)}
.rc-badge.teal{background:#EBF7FF;color:#0077A8}
.rc-badge.purple{background:#F3EFFF;color:#6B50D8}
.rc-title{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:800;color:var(--p1);line-height:1.3}
.rc-card:hover .rc-title{color:var(--accent)}
.rc-desc{font-size:.79rem;color:var(--p4);line-height:1.62;margin:0}
.rc-link{display:inline-flex;align-items:center;gap:5px;font-size:.78rem;font-weight:700;color:var(--p1);text-decoration:none;margin-top:auto;padding-top:4px}
.rc-link svg{transition:transform .15s ease}
.rc-card:hover .rc-link svg{transform:translateX(3px)}

/* Why it's related tag */
.rc-why{background:var(--p6);border-radius:5px;padding:5px 10px;font-size:.73rem;color:var(--p4);line-height:1.5;border-left:2px solid var(--p5)}
.rc-why strong{color:var(--p3)}

/* Full hub CTA row */
.related-hub-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:12px;margin-bottom:8px}
@media(max-width:640px){.related-hub-row{grid-template-columns:1fr}}
.hub-card{border-radius:12px;padding:20px 22px;display:flex;align-items:center;gap:16px;text-decoration:none;transition:all .2s ease;border:1.5px solid transparent}
.hub-card.navy{background:linear-gradient(135deg,var(--p1) 0%,var(--accent) 100%)}
.hub-card.green{background:linear-gradient(135deg,var(--p9) 0%,#00a868 100%)}
.hub-card:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(0,40,104,.18)}
.hub-card-icon{font-size:1.8rem;flex-shrink:0}
.hub-card-text h4{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:#fff;margin-bottom:3px;line-height:1.2}
.hub-card-text p{font-size:.78rem;color:rgba(255,255,255,.80);margin:0;line-height:1.5}
.hub-card-arrow{margin-left:auto;color:rgba(255,255,255,.6);font-size:1.2rem;flex-shrink:0}

/* Scroll fade */
.rel-fade{opacity:0;transform:translateY(18px);transition:opacity .5s ease,transform .5s ease}
.rel-fade.visible{opacity:1;transform:translateY(0)}
/* ── SECTION 6: DISCLAIMER & EDITORIAL TRANSPARENCY ── */
.disc-section{max-width:1180px;margin:0 auto;padding:0 16px 72px}
.disc-divider-band{background:linear-gradient(90deg,var(--p8) 0%,#8B0000 100%);height:3px;width:100%}

/* Header */
.disc-header{text-align:center;padding:48px 16px 32px}
.disc-header .section-eyebrow{display:inline-flex;align-items:center;gap:7px;background:#FFF0F3;border:1px solid rgba(191,10,48,.20);border-radius:20px;padding:5px 16px;font-size:.76rem;font-weight:700;color:var(--p8);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.disc-header h2{font-family:'Montserrat',sans-serif;font-size:clamp(1.4rem,3vw,2rem);font-weight:800;color:var(--p1);line-height:1.2;margin-bottom:12px}
.disc-header p.lead{font-size:.97rem;color:var(--p4);max-width:740px;margin:0 auto;line-height:1.72}

/* Main 2-col layout */
.disc-layout{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
@media(max-width:820px){.disc-layout{grid-template-columns:1fr}}
.disc-layout-3col{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:18px}
@media(max-width:820px){.disc-layout-3col{grid-template-columns:1fr}}

/* Disclaimer card */
.disc-card{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:24px 24px;box-shadow:0 2px 12px rgba(0,40,104,.07)}
.disc-card.red-border{border-color:rgba(191,10,48,.30);border-left:4px solid var(--p8)}
.disc-card.navy-border{border-color:rgba(0,40,104,.25);border-left:4px solid var(--p1)}
.disc-card.gold-border{border-color:rgba(200,146,0,.30);border-left:4px solid var(--gold)}
.disc-card.green-border{border-color:rgba(0,135,90,.25);border-left:4px solid var(--p9)}
.disc-card h3{font-family:'Montserrat',sans-serif;font-size:.93rem;font-weight:800;color:var(--p1);margin-bottom:12px;display:flex;align-items:center;gap:8px;line-height:1.3}
.disc-card h3 span.disc-icon{font-size:1rem}
.disc-card p{font-size:.83rem;color:var(--p4);line-height:1.72;margin-bottom:9px}
.disc-card p:last-child{margin-bottom:0}
.disc-card p strong{color:var(--p3)}
.disc-card ul{padding-left:16px;margin:8px 0}
.disc-card ul li{font-size:.81rem;color:var(--p4);line-height:1.65;margin-bottom:5px}
.disc-card ul li strong{color:var(--p3)}

/* Full-width disclaimer block */
.disc-full{background:var(--p7);border:1px solid var(--p5);border-radius:12px;padding:26px 28px;margin-bottom:18px;box-shadow:0 2px 12px rgba(0,40,104,.07)}
.disc-full.red-bg{background:#FFF5F7;border-color:rgba(191,10,48,.20)}
.disc-full h3{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--p1);margin-bottom:14px;display:flex;align-items:center;gap:9px}
.disc-full p{font-size:.83rem;color:var(--p4);line-height:1.75;margin-bottom:9px}
.disc-full p:last-child{margin-bottom:0}
.disc-full p strong{color:var(--p3)}
.disc-full a{color:var(--p1);font-weight:600}

/* NOT list */
.disc-not-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0}
@media(max-width:720px){.disc-not-grid{grid-template-columns:1fr}}
.disc-not-item{background:#FFF0F3;border:1px solid rgba(191,10,48,.15);border-radius:8px;padding:12px 14px;display:flex;align-items:flex-start;gap:9px}
.disc-not-item .dni-x{color:var(--p8);font-weight:900;font-size:1rem;margin-top:1px;flex-shrink:0}
.disc-not-item p{font-size:.78rem;color:var(--p3);margin:0;line-height:1.55;font-weight:600}

/* YES list */
.disc-yes-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0}
@media(max-width:720px){.disc-yes-grid{grid-template-columns:1fr}}
.disc-yes-item{background:#F0FBF5;border:1px solid rgba(0,135,90,.15);border-radius:8px;padding:12px 14px;display:flex;align-items:flex-start;gap:9px}
.disc-yes-item .dyi-check{color:var(--p9);font-weight:900;font-size:1rem;margin-top:1px;flex-shrink:0}
.disc-yes-item p{font-size:.78rem;color:var(--p3);margin:0;line-height:1.55;font-weight:600}

/* Authority links section */
.auth-section-label{font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.10em;color:var(--p4);margin:28px 0 14px;display:flex;align-items:center;gap:10px}
.auth-section-label::after{content:'';flex:1;height:1px;background:var(--p5)}
.auth-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:18px}
@media(max-width:820px){.auth-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.auth-grid{grid-template-columns:1fr}}
.auth-card{background:var(--p7);border:1px solid var(--p5);border-radius:11px;padding:18px 18px;display:flex;flex-direction:column;gap:10px;box-shadow:0 2px 8px rgba(0,40,104,.06);transition:all .2s ease;text-decoration:none;color:inherit}
.auth-card:hover{box-shadow:0 6px 22px rgba(0,40,104,.12);transform:translateY(-2px);border-color:var(--p1)}
.auth-card-top{display:flex;align-items:center;gap:11px}
.auth-logo{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.auth-logo.navy{background:var(--accent-light)}
.auth-logo.green{background:#F0FBF5}
.auth-logo.gold{background:var(--gold-light)}
.auth-logo.red{background:#FFF0F3}
.auth-logo.teal{background:#EBF7FF}
.auth-logo.purple{background:#F3EFFF}
.auth-logo.dark{background:var(--p6)}
.auth-agency{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--p4)}
.auth-title{font-family:'Montserrat',sans-serif;font-size:.86rem;font-weight:800;color:var(--p1);line-height:1.3}
.auth-card:hover .auth-title{color:var(--accent)}
.auth-desc{font-size:.77rem;color:var(--p4);line-height:1.62;margin:0}
.auth-link{display:inline-flex;align-items:center;gap:5px;font-size:.75rem;font-weight:700;color:var(--p1);margin-top:auto}
.auth-link svg{transition:transform .15s ease}
.auth-card:hover .auth-link svg{transform:translateX(3px)}
.auth-tag{display:inline-flex;align-items:center;font-size:.66rem;font-weight:700;padding:2px 7px;border-radius:4px;text-transform:uppercase;letter-spacing:.04em;margin-left:4px}
.auth-tag.gov{background:#EBF3FF;color:var(--p1)}
.auth-tag.finra{background:#F0FBF5;color:var(--p9)}
.auth-tag.ici{background:var(--gold-light);color:var(--gold)}
.auth-tag.dol{background:#FFF0F3;color:var(--p8)}

/* Bottom legal strip */
.disc-legal-strip{background:var(--p6);border:1px solid var(--p5);border-radius:10px;padding:16px 22px;display:flex;align-items:flex-start;gap:14px;margin-top:20px}
.disc-legal-strip .dls-icon{font-size:1.25rem;flex-shrink:0;margin-top:2px}
.disc-legal-strip p{font-size:.76rem;color:var(--p4);line-height:1.70;margin:0}
.disc-legal-strip p strong{color:var(--p3)}
.disc-legal-strip a{color:var(--p1);font-weight:600}

/* Fade animation */
.disc-fade{opacity:0;transform:translateY(16px);transition:opacity .5s ease,transform .5s ease}
.disc-fade.visible{opacity:1;transform:translateY(0)}

/
/* ============================================================
   TARGETED MOBILE OVERFLOW FIX (REFINED)
   ============================================================ */

@media (max-width: 600px) {
  /* 1. Fix the Section Header & Eyebrow */
  .examples-header, .edu-section-header {
    padding: 30px 10px 20px !important;
  }
  
  .examples-header h2 {
    font-size: 1.4rem !important;
    word-wrap: break-word;
  }

  /* 2. Fix the Scenario Card Header (Image 2.09.28 Issue) */
  .ex-card-header {
    flex-direction: column !important; /* Stacks Badge, Title, and Pill */
    align-items: flex-start !important;
    gap: 12px !important;
    padding: 15px !important;
  }

  .ex-verdict-pill {
    white-space: normal !important; /* Allows long text like "$33,089 Lost" to wrap */
    align-self: flex-start !important;
    text-align: left !important;
  }

  /* 3. Force Fund Comparison & KPI Results to Stack */
  .fund-compare-grid.two-col, 
  .fund-compare-grid.four-col,
  .ex-kpi-row,
  .results-grid {
    display: flex !important;
    flex-direction: column !important;
    grid-template-columns: 1fr !important;
    gap: 10px !important;
  }

  .ex-kpi, .result-kpi {
    min-width: 0 !important; /* Removes the 130px constraint causing overflow */
    width: 100% !important;
    margin-bottom: 5px;
  }

  /* 4. Fix Context Pills ( Principal, Return, Horizon ) */
  .ex-context-bar {
    gap: 6px !important;
  }

  .ex-context-pill {
    width: 100% !important; /* Stacks these so they don't "jostle" the width */
    justify-content: flex-start !important;
  }

  /* 5. Result Card Precision Fix (Image 2.09.07 Issue) */
  .result-kpi {
    padding: 10px !important;
    text-align: left !important;
  }

  .kpi-value {
    font-size: 1.2rem !important;
    display: block;
    margin-top: 4px;
  }

  /* 6. Typography and Overall Container Safety */
  .example-card, .card {
    margin-left: 0 !important;
    margin-right: 0 !important;
    border-radius: 8px !important;
  }
  
  .ex-card-body {
    padding: 15px !important;
  }
}
/* ============================================================
   FIX FOR SQUASHED HEADINGS (REAL-WORLD SCENARIOS)
   ============================================================ */

@media (max-width: 480px) {
  /* 1. Force header into a column to stop side-by-side squashing */
  .ex-card-header {
    flex-direction: column !important;
    align-items: flex-start !important;
    gap: 15px !important;
    padding: 16px !important;
  }

  /* 2. Ensure text takes up 100% of the available width */
  .ex-header-text {
    flex: none !important;
    width: 100% !important;
  }

  /* 3. Prevent text from breaking into single characters */
  .ex-persona, .ex-header-text h3, .ex-subtitle {
    display: block !important;
    width: 100% !important;
    white-space: normal !important;
    overflow-wrap: break-word !important;
  }

  /* 4. Reposition the Verdict Pill so it doesn't squeeze the title */
  .ex-verdict-pill {
    align-self: flex-start !important;
    white-space: normal !important;
    text-align: left !important;
    margin-top: 5px !important;
  }

  /* 5. Adjust the number badge spacing */
  .ex-num-badge {
    margin-bottom: 5px !important;
  }
}

/* ============================================================
   FIX: RESULTS — FEE COST OVER TIME (TAB 1) MOBILE OVERFLOW
   ============================================================ */

@media (max-width: 480px) {
  /* 1. Force result boxes to stack vertically instead of side-by-side */
  .results-grid {
    grid-template-columns: 1fr !important;
    display: flex !important;
    flex-direction: column !important;
    gap: 12px !important;
    width: 100% !important;
  }

  /* 2. Adjust the individual result boxes (KPIs) */
  .result-kpi {
    width: 100% !important;
    padding: 14px 12px !important;
    box-sizing: border-box !important;
    display: block !important; /* Forces vertical flow within the box */
    text-align: center !important;
  }

  /* 3. Allow long labels to wrap onto multiple lines */
  .kpi-label {
    font-size: 0.72rem !important;
    white-space: normal !important; /* Fixes "FEES % OF FINAL WEALTH" pushing width */
    line-height: 1.4 !important;
    margin-bottom: 6px !important;
    display: block !important;
  }

  /* 4. Prevent large currency numbers from overflowing the card */
  .kpi-value {
    font-size: 1.15rem !important; /* Scale down from 1.3rem to fit $781,059.40 */
    display: block !important;
    word-wrap: break-word !important;
    overflow-wrap: anywhere !important; /* Ensures the number breaks if it hits the edge */
    line-height: 1.1 !important;
  }

  /* 5. Reduce parent card padding to maximize usable width */
  .card {
    padding: 16px 12px !important;
  }
}