:root{--navy:#002868;--navy2:#214d88;--green:#00875A;--red:#BF0A30;--amber:#b88100;--ink:#1D1D1F;--muted:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--card:#fff;--shadow:0 6px 20px rgba(0,40,104,.06)}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 16px 26px}.hero-inner{max-width:1550px;margin:0 auto}.hero h1{font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.98rem;max-width:1240px;opacity:.93}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);font-size:.72rem;font-weight:700}
    .wrap{max-width:1550px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--border);border-radius:10px;padding:16px;text-align:center;color:var(--muted);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--navy)}
    .layout{display:grid;grid-template-columns:1.12fr .88fr;gap:18px}.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:var(--shadow)}.card+.card{margin-top:12px}.title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--muted);margin-top:2px} input[type=number],select{width:100%;padding:10px 11px;border:1.5px solid var(--border);border-radius:8px;background:#fff;font:inherit;font-size:.88rem;color:var(--ink);outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)}.btn-outline:hover{background:var(--red);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .placeholder{text-align:center;padding:46px 18px;color:var(--muted)}.placeholder .emoji{font-size:2.6rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#805c00)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.32rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:330px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--navy)}.note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    @media(max-width:1150px){.layout{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
   /* GLOBAL SAFE CONTAINER */
.page-content,
.calc-wrap,
.card {
  box-sizing: border-box;
  max-width: 100%;
  overflow-x: hidden;
}
html,
body {
  max-width: 100%;
  overflow-x: hidden;
}
@media (max-width: 768px) {
  /* Core layout grids */
  .layout-grid,
  .metrics-grid,
  .scenario-grid,
  .legal-grid,
  .ed-pillars {
    grid-template-columns: 1fr !important;
  }

  /* Related calculators grids */
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr;
  }
}
/* Tables inside the tool */
.card table {
  table-layout: fixed;
  width: 100%;
}

.card th,
.card td {
  word-wrap: break-word;
  white-space: normal;
}

/* Hard clamp long words in any content */
.card,
.card * {
  word-break: break-word;
}
@media (max-width: 480px) {
  .primary-btn,
  .secondary-btn,
  .mode-toggle button,
  .faq-q,
  .related-card,
  .legal-footer-bar {
    max-width: 100%;
  }

  .tags {
    flex-wrap: wrap;
  }

  .tag {
    max-width: 100%;
  }
}
/* ============================================================
   CSS CUSTOM PROPERTIES — FALLBACKS FOR KADENCE VARIABLES
   ============================================================ */
:root {
  --global-palette1: #002868;
  --global-palette2: #00183F;
  --global-palette3: #1D1D1F;
  --global-palette4: #5F6368;
  --global-palette5: #E0E4E8;
  --global-palette6: #F7F9FC;
  --global-palette7: #FFFFFF;
  --global-palette8: #BF0A30;
  --global-palette9: #00875A;
}

/* ============================================================
   SHARED SECTION UTILITIES
   ============================================================ */
.section-container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}
.section-container--narrow {
  max-width: 820px;
}
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-badge {
  display: inline-block;
  background: rgba(0, 40, 104, 0.08);
  color: var(--global-palette1, #002868);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 5px 16px;
  border-radius: 20px;
  margin-bottom: 14px;
  border: 1px solid rgba(0, 40, 104, 0.12);
}
.section-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.85rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 14px;
  line-height: 1.25;
  letter-spacing: -0.01em;
}
.section-subtitle {
  font-size: 1rem;
  color: var(--global-palette4, #5F6368);
  margin: 0 auto;
  max-width: 620px;
  line-height: 1.65;
}
.inline-link {
  color: var(--global-palette1, #002868);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.inline-link:hover {
  color: var(--global-palette9, #00875A);
}

/* ============================================================
   SECTION 1 — HOW IT WORKS
   ============================================================ */
.section-how-it-works {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
  border-top: 1px solid var(--global-palette5, #E0E4E8);
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step-counter;
}
.step-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 30px 22px 26px;
  text-align: center;
  position: relative;
  transition: box-shadow 0.25s ease, transform 0.25s ease;
  overflow: hidden;
}
.step-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette1, #002868), var(--global-palette9, #00875A));
  opacity: 0;
  transition: opacity 0.25s ease;
}
.step-card:hover {
  box-shadow: 0 10px 32px rgba(0, 40, 104, 0.12);
  transform: translateY(-4px);
}
.step-card:hover::before {
  opacity: 1;
}
.step-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 3rem;
  font-weight: 800;
  color: rgba(0, 40, 104, 0.06);
  line-height: 1;
  margin-bottom: 10px;
  letter-spacing: -0.02em;
}
.step-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
  display: block;
  line-height: 1;
}
.step-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 12px;
  line-height: 1.3;
}
.step-desc {
  font-size: 0.875rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
  margin: 0;
}

/* ============================================================
   SECTION 2 — METRICS EXPLAINED
   ============================================================ */
.section-metrics-explained {
  padding: 80px 24px;
  background: var(--global-palette7, #FFFFFF);
}
.metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.metric-card {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 26px;
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}
.metric-card:hover {
  box-shadow: 0 8px 28px rgba(0, 40, 104, 0.09);
  transform: translateY(-3px);
}
.metric-icon-wrap {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  flex-shrink: 0;
}
.metric-blue   { background: rgba(0, 40, 104, 0.10); color: #002868; }
.metric-green  { background: rgba(0, 135, 90, 0.10); color: #00875A; }
.metric-orange { background: rgba(217, 119, 6, 0.12); color: #d97706; }
.metric-red    { background: rgba(191, 10, 48, 0.10); color: #BF0A30; }
.metric-purple { background: rgba(107, 70, 193, 0.10); color: #6B46C1; }
.metric-teal   { background: rgba(6, 148, 162, 0.10); color: #0694A2; }
.metric-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  margin: 0 0 10px;
  line-height: 1.3;
}
.metric-def {
  font-size: 0.875rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.7;
  margin: 0 0 16px;
}
.metric-benchmark {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 8px;
  padding: 9px 14px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.benchmark-label {
  font-size: 0.77rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.4;
}
.benchmark-value {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  white-space: nowrap;
}

/* ============================================================
   SECTION 3 — EDUCATIONAL DEEP DIVE
   ============================================================ */
.section-education {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
}
.edu-layout {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.edu-block {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 36px 40px;
  margin-bottom: 20px;
  position: relative;
  transition: box-shadow 0.2s ease;
}
.edu-block:last-child {
  margin-bottom: 0;
}
.edu-block:hover {
  box-shadow: 0 6px 24px rgba(0, 40, 104, 0.07);
}
.edu-block::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--global-palette1, #002868), var(--global-palette9, #00875A));
  border-radius: 4px 0 0 4px;
}
.edu-h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 18px;
  line-height: 1.35;
}
.edu-p {
  font-size: 0.94rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.8;
  margin: 0 0 16px;
}
.edu-p:last-child {
  margin-bottom: 0;
}
.edu-p strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 600;
}

/* ============================================================
   SECTION 4 — BENCHMARKS TABLE
   ============================================================ */
.section-benchmarks {
  padding: 80px 24px;
  background: var(--global-palette7, #FFFFFF);
}
.table-wrapper {
  overflow-x: auto;
  border-radius: 14px;
  border: 1px solid var(--global-palette5, #E0E4E8);
  box-shadow: 0 4px 18px rgba(0, 40, 104, 0.07);
  -webkit-overflow-scrolling: touch;
}
.benchmark-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--global-palette7, #FFFFFF);
  font-size: 0.9rem;
  min-width: 600px;
}
.benchmark-table thead {
  background: var(--global-palette1, #002868);
}
.benchmark-table thead th {
  padding: 16px 20px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: #FFFFFF;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}
.benchmark-table thead th:first-child {
  border-radius: 13px 0 0 0;
}
.benchmark-table thead th:last-child {
  border-radius: 0 13px 0 0;
}
.benchmark-table tbody tr {
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  transition: background 0.15s ease;
}
.benchmark-table tbody tr:last-child {
  border-bottom: none;
}
.benchmark-table tbody tr:hover {
  background: rgba(0, 40, 104, 0.03);
}
.benchmark-table tbody td {
  padding: 15px 20px;
  color: var(--global-palette3, #1D1D1F);
  vertical-align: middle;
  line-height: 1.4;
}
.badge-pill {
  display: inline-block;
  padding: 4px 13px;
  border-radius: 20px;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  white-space: nowrap;
}
.badge-blue  { background: rgba(0, 40, 104, 0.09); color: #002868; }
.badge-green { background: rgba(0, 135, 90, 0.10); color: #00875A; }
.badge-navy  { background: var(--global-palette1, #002868); color: #FFFFFF; }
.table-source {
  font-size: 0.78rem;
  color: var(--global-palette4, #5F6368);
  margin-top: 14px;
  text-align: right;
  font-style: italic;
}
.benchmark-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: rgba(0, 40, 104, 0.04);
  border: 1px solid rgba(0, 40, 104, 0.12);
  border-left: 4px solid var(--global-palette1, #002868);
  border-radius: 10px;
  padding: 16px 20px;
  margin-top: 24px;
}
.benchmark-note-icon {
  font-size: 1.3rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.benchmark-note-text {
  font-size: 0.875rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
}
.benchmark-note-text strong {
  color: var(--global-palette3, #1D1D1F);
}

/* ============================================================
   SECTION 5 — REAL US EXAMPLES
   ============================================================ */
.section-examples {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
}
.examples-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.example-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  transition: box-shadow 0.25s ease;
}
.example-card:hover {
  box-shadow: 0 8px 32px rgba(0, 40, 104, 0.09);
}
.example-header {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 22px 28px;
  background: var(--global-palette6, #F7F9FC);
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  flex-wrap: wrap;
}
.example-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  opacity: 0.25;
  line-height: 1;
  flex-shrink: 0;
  min-width: 36px;
}
.example-meta {
  flex: 1;
  min-width: 200px;
}
.example-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 4px;
  line-height: 1.3;
}
.example-tag {
  font-size: 0.8rem;
  color: var(--global-palette4, #5F6368);
  font-weight: 500;
}
.example-score {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  padding: 7px 16px;
  border-radius: 20px;
  white-space: nowrap;
  flex-shrink: 0;
}
.example-score--green  {
  background: rgba(0, 135, 90, 0.10);
  color: var(--global-palette9, #00875A);
  border: 1px solid rgba(0, 135, 90, 0.2);
}
.example-score--yellow {
  background: rgba(217, 119, 6, 0.10);
  color: #b45309;
  border: 1px solid rgba(217, 119, 6, 0.22);
}
.example-score--red {
  background: rgba(191, 10, 48, 0.09);
  color: var(--global-palette8, #BF0A30);
  border: 1px solid rgba(191, 10, 48, 0.18);
}
.example-body {
  padding: 28px;
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 28px;
  align-items: start;
}
.example-numbers {
  display: flex;
  flex-direction: column;
  gap: 0;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px;
  overflow: hidden;
}
.example-num-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 16px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  gap: 12px;
}
.example-num-item:last-child {
  border-bottom: none;
}
.enl {
  font-size: 0.78rem;
  color: var(--global-palette4, #5F6368);
  font-weight: 500;
  line-height: 1.3;
}
.env {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--global-palette3, #1D1D1F);
  text-align: right;
}
.env--positive { color: var(--global-palette9, #00875A); }
.env--warn     { color: #b45309; }
.env--danger   { color: var(--global-palette8, #BF0A30); }
.example-story p {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.75;
  margin: 0 0 14px;
}
.example-story p:last-child {
  margin-bottom: 0;
}
.example-story strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 600;
}

/* ============================================================
   SECTION 6 — EXPERT PRO TIPS
   ============================================================ */
.section-pro-tips {
  padding: 80px 24px;
  background: var(--global-palette7, #FFFFFF);
}
.pro-tips-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.pro-tip-card {
  display: grid;
  grid-template-columns: 90px 60px 1fr;
  gap: 0 20px;
  align-items: start;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 28px 28px 28px 24px;
  transition: box-shadow 0.25s ease, transform 0.2s ease;
  position: relative;
  overflow: hidden;
}
.pro-tip-card::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--global-palette1, #002868), var(--global-palette9, #00875A));
}
.pro-tip-card:hover {
  box-shadow: 0 8px 28px rgba(0, 40, 104, 0.10);
  transform: translateY(-2px);
}
.pro-tip-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--global-palette1, #002868);
  opacity: 0.5;
  padding-top: 4px;
  line-height: 1.4;
}
.pro-tip-icon {
  font-size: 1.9rem;
  line-height: 1;
  padding-top: 2px;
}
.pro-tip-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 12px;
  line-height: 1.35;
}
.pro-tip-body {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.78;
  margin: 0 0 14px;
}
.pro-tip-body strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 600;
}
.pro-tip-source {
  font-size: 0.78rem;
  color: var(--global-palette4, #5F6368);
  opacity: 0.8;
  font-style: italic;
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 6px;
  padding: 8px 14px;
  line-height: 1.5;
  margin: 0;
}

/* ============================================================
   SECTION 7 — TIPS CHECKLIST (Score-Based)
   ============================================================ */
.section-tips {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
}
.tips-columns {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}
.tips-group {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  transition: box-shadow 0.25s ease;
}
.tips-group:hover {
  box-shadow: 0 6px 24px rgba(0, 40, 104, 0.09);
}
.tips-group-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 16px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.87rem;
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.3;
}
.tips-group-header svg { flex-shrink: 0; }
.tips-group-header--red    { background: var(--global-palette8, #BF0A30); }
.tips-group-header--orange { background: #d97706; }
.tips-group-header--green  { background: var(--global-palette9, #00875A); }
.tips-list {
  list-style: none;
  margin: 0;
  padding: 10px 0 4px;
}
.tip-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.875rem;
  color: var(--global-palette3, #1D1D1F);
  line-height: 1.6;
  padding: 11px 20px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  transition: background 0.15s ease;
}
.tip-item:last-child { border-bottom: none; }
.tip-item:hover { background: var(--global-palette6, #F7F9FC); }
.tip-check {
  font-weight: 800;
  font-size: 0.85rem;
  flex-shrink: 0;
  margin-top: 3px;
  line-height: 1;
}
.tip-check--red    { color: var(--global-palette8, #BF0A30); }
.tip-check--orange { color: #d97706; }
.tip-check--green  { color: var(--global-palette9, #00875A); }

/* ============================================================
   SECTION 8 — RELATED CALCULATORS
   ============================================================ */
.section-related {
  padding: 80px 24px;
  background: var(--global-palette7, #FFFFFF);
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.related-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 18px 16px;
  text-decoration: none;
  transition: box-shadow 0.22s ease, border-color 0.22s ease, transform 0.22s ease, background 0.22s ease;
}
.related-card:hover {
  border-color: var(--global-palette1, #002868);
  background: var(--global-palette7, #FFFFFF);
  box-shadow: 0 8px 28px rgba(0, 40, 104, 0.11);
  transform: translateY(-3px);
}
.related-card-icon {
  font-size: 1.65rem;
  flex-shrink: 0;
  line-height: 1;
}
.related-card-body { flex: 1; min-width: 0; }
.related-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.83rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  margin: 0 0 4px;
  line-height: 1.35;
}
.related-card-desc {
  font-size: 0.77rem;
  color: var(--global-palette4, #5F6368);
  margin: 0;
  line-height: 1.45;
}
.related-card-arrow {
  font-size: 1rem;
  color: var(--global-palette1, #002868);
  font-weight: 700;
  flex-shrink: 0;
  opacity: 0.3;
  transition: opacity 0.2s ease, transform 0.2s ease;
}
.related-card:hover .related-card-arrow {
  opacity: 1;
  transform: translateX(3px);
}

/* ============================================================
   SECTION 9 — FAQ ACCORDION
   ============================================================ */
.section-faq {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
}
.faq-list {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0, 40, 104, 0.05);
}
.faq-item {
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  background: var(--global-palette7, #FFFFFF);
}
.faq-item:last-child { border-bottom: none; }
.faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 22px 26px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--global-palette1, #002868);
  text-align: left;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease;
  line-height: 1.4;
}
.faq-question:hover {
  background: rgba(0, 40, 104, 0.03);
}
.faq-question[aria-expanded="true"] {
  background: rgba(0, 40, 104, 0.04);
  color: var(--global-palette2, #00183F);
}
.faq-icon {
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--global-palette1, #002868);
  flex-shrink: 0;
  transition: transform 0.28s ease;
  line-height: 1;
  width: 24px;
  text-align: center;
}
.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
}
.faq-answer {
  display: none;
  padding: 0 26px 22px;
  background: rgba(0, 40, 104, 0.02);
  border-top: 1px solid var(--global-palette5, #E0E4E8);
}
.faq-answer.open { display: block; }
.faq-answer p {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.78;
  margin: 16px 0 0;
}
.faq-answer p strong {
  color: var(--global-palette3, #1D1D1F);
  font-weight: 600;
}

/* ============================================================
   SECTION 10 — LEGAL DISCLAIMER
   ============================================================ */
.section-disclaimer {
  padding: 80px 24px;
  background: var(--global-palette7, #FFFFFF);
}
.disclaimer-box {
  background: #fff8f9;
  border: 1px solid rgba(191, 10, 48, 0.18);
  border-left: 5px solid var(--global-palette8, #BF0A30);
  border-radius: 14px;
  padding: 36px 40px;
}
.disclaimer-box .section-title {
  font-size: 1.3rem;
  color: #8b0020;
  margin-bottom: 20px;
  text-align: left;
}
.disclaimer-text {
  font-size: 0.875rem;
  color: #5a3a3e;
  line-height: 1.8;
  margin: 0 0 16px;
}
.disclaimer-text:last-child {
  margin-bottom: 0;
}

/* ============================================================
   SECTION 11 — EDITORIAL TRANSPARENCY
   ============================================================ */
.section-editorial {
  padding: 80px 24px;
  background: var(--global-palette6, #F7F9FC);
}
.editorial-box {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-left: 5px solid var(--global-palette1, #002868);
  border-radius: 14px;
  padding: 36px 40px;
}
.editorial-box .section-title {
  font-size: 1.3rem;
  margin-bottom: 20px;
  text-align: left;
}
.editorial-text {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.8;
  margin: 0 0 16px;
}
.editorial-text:last-child { margin-bottom: 0; }
.editorial-text a {
  color: var(--global-palette1, #002868);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.editorial-text a:hover {
  color: var(--global-palette9, #00875A);
}
.editorial-list {
  list-style: none;
  padding: 0;
  margin: 0 0 16px;
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px;
  overflow: hidden;
}
.editorial-list li {
  font-size: 0.875rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
  padding: 12px 18px 12px 42px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  position: relative;
  background: var(--global-palette7, #FFFFFF);
  transition: background 0.15s ease;
}
.editorial-list li:last-child { border-bottom: none; }
.editorial-list li:hover { background: var(--global-palette6, #F7F9FC); }
.editorial-list li::before {
  content: '✓';
  position: absolute;
  left: 16px;
  top: 12px;
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--global-palette9, #00875A);
  line-height: 1.65;
}

/* ============================================================
   FAQ JAVASCRIPT TOGGLE
   ============================================================ */
/* (Paste this in your <script> block or .js file) */
/*
function toggleFaq(btn) {
  const answer = btn.nextElementSibling;
  const isOpen = btn.getAttribute('aria-expanded') === 'true';
  document.querySelectorAll('.faq-question').forEach(q => {
    q.setAttribute('aria-expanded', 'false');
    const a = q.nextElementSibling;
    if (a) a.classList.remove('open');
  });
  if (!isOpen) {
    btn.setAttribute('aria-expanded', 'true');
    answer.classList.add('open');
  }
}
*/

/* ============================================================
   RESPONSIVE — TABLET (max-width: 1024px)
   ============================================================ */
@media (max-width: 1024px) {
  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .metrics-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .related-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .tips-columns {
    grid-template-columns: repeat(3, 1fr);
  }
  .pro-tip-card {
    grid-template-columns: 80px 52px 1fr;
    gap: 0 16px;
  }
  .example-body {
    grid-template-columns: 240px 1fr;
    gap: 22px;
  }
}

/* ============================================================
   RESPONSIVE — TABLET PORTRAIT (max-width: 860px)
   ============================================================ */
@media (max-width: 860px) {
  .section-title {
    font-size: 1.55rem;
  }
  .tips-columns {
    grid-template-columns: 1fr;
  }
  .example-body {
    grid-template-columns: 1fr;
    gap: 18px;
  }
  .example-numbers {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
  }
  .example-num-item {
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
    border-right: 1px solid var(--global-palette5, #E0E4E8);
    border-bottom: none;
  }
  .example-num-item:nth-child(3),
  .example-num-item:nth-child(6) {
    border-right: none;
  }
  .example-num-item:nth-child(4),
  .example-num-item:nth-child(5),
  .example-num-item:nth-child(6) {
    border-top: 1px solid var(--global-palette5, #E0E4E8);
  }
  .env { text-align: left; }
  .pro-tip-card {
    grid-template-columns: 1fr;
    padding: 24px 22px;
  }
  .pro-tip-number {
    display: none;
  }
  .pro-tip-icon {
    font-size: 1.6rem;
    margin-bottom: 10px;
  }
  .edu-block {
    padding: 26px 24px;
  }
}

/* ============================================================
   RESPONSIVE — MOBILE (max-width: 640px)
   ============================================================ */
@media (max-width: 640px) {
  .section-how-it-works,
  .section-metrics-explained,
  .section-education,
  .section-benchmarks,
  .section-examples,
  .section-pro-tips,
  .section-tips,
  .section-related,
  .section-faq,
  .section-disclaimer,
  .section-editorial {
    padding: 52px 16px;
  }
  .section-container,
  .section-container--narrow {
    padding: 0 16px;
  }
  .section-title {
    font-size: 1.35rem;
    letter-spacing: 0;
  }
  .section-subtitle {
    font-size: 0.92rem;
  }
  .section-header {
    margin-bottom: 32px;
  }

  /* Steps */
  .steps-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .step-card {
    padding: 22px 18px;
    text-align: left;
    display: flex;
    flex-direction: row;
    align-items: flex-start;
    gap: 16px;
  }
  .step-number {
    font-size: 2rem;
    margin-bottom: 0;
    min-width: 36px;
  }
  .step-icon {
    display: none;
  }

  /* Metrics */
  .metrics-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  /* Education */
  .edu-block {
    padding: 22px 18px 22px 24px;
  }
  .edu-h3 {
    font-size: 1rem;
  }
  .edu-p {
    font-size: 0.875rem;
  }

  /* Table */
  .benchmark-table {
    font-size: 0.82rem;
  }
  .benchmark-table thead th,
  .benchmark-table tbody td {
    padding: 12px 14px;
  }
  .benchmark-note {
    flex-direction: column;
    gap: 8px;
  }

  /* Examples */
  .example-header {
    padding: 18px 20px;
    gap: 12px;
  }
  .example-body {
    padding: 20px;
  }
  .example-numbers {
    grid-template-columns: repeat(2, 1fr);
  }
  .example-num-item:nth-child(2),
  .example-num-item:nth-child(4),
  .example-num-item:nth-child(6) {
    border-right: none;
  }
  .example-num-item:nth-child(3),
  .example-num-item:nth-child(4) {
    border-top: 1px solid var(--global-palette5, #E0E4E8);
  }
  .example-num-item:nth-child(5),
  .example-num-item:nth-child(6) {
    border-top: 1px solid var(--global-palette5, #E0E4E8);
  }
  .example-num-item:nth-child(3) {
    border-right: 1px solid var(--global-palette5, #E0E4E8);
  }
  .example-story p {
    font-size: 0.875rem;
  }

  /* Pro Tips */
  .pro-tip-title {
    font-size: 0.95rem;
  }
  .pro-tip-body {
    font-size: 0.875rem;
  }

  /* Tips */
  .tips-columns {
    gap: 16px;
  }
  .tips-group-header {
    font-size: 0.83rem;
    padding: 14px 16px;
  }
  .tip-item {
    padding: 10px 16px;
    font-size: 0.84rem;
  }

  /* Related */
  .related-grid {
    grid-template-columns: 1fr;
    gap: 12px;
  }
  .related-card {
    padding: 15px 14px;
  }

  /* FAQ */
  .faq-question {
    font-size: 0.87rem;
    padding: 18px 18px;
  }
  .faq-answer {
    padding: 0 18px 18px;
  }
  .faq-answer p {
    font-size: 0.875rem;
  }

  /* Disclaimer & Editorial */
  .disclaimer-box,
  .editorial-box {
    padding: 24px 20px 24px 22px;
  }
  .disclaimer-box .section-title,
  .editorial-box .section-title {
    font-size: 1.15rem;
  }
  .editorial-list li {
    font-size: 0.84rem;
    padding-left: 36px;
  }
}

/* ============================================================
   📏 HOW IT WORKS (STEPS GRID) STYLING
   ============================================================ */
.section-how-it-works {
  padding: 30px 0;
  width: 100%;
  box-sizing: border-box;
}

.section-header {
  text-align: left;
  margin-bottom: 24px;
}

.section-subtitle {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.5;
  margin-top: 8px;
}

/* Base Desktop Grid (2x2 or 4x1 depending on your container width) */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr); 
  gap: 20px;
  width: 100%;
  box-sizing: border-box;
}

/* Individual Card Styling */
.step-card {
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 24px;
  position: relative;
  display: flex;
  flex-direction: column;
  box-shadow: 0 4px 12px rgba(0, 40, 104, 0.03);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.step-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 40, 104, 0.06);
}

.step-number {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--navy);
  background: #f1f5f9;
  padding: 4px 10px;
  border-radius: 20px;
  display: inline-block;
  align-self: flex-start;
  margin-bottom: 12px;
  border: 1px solid #e2e8f0;
}

.step-icon {
  font-size: 1.8rem;
  margin-bottom: 12px;
}

.step-card .step-title {
  margin: 0 0 10px 0 !important;
  font-size: 1.05rem !important;
}

.step-desc {
  font-size: 0.875rem;
  color: #475569;
  line-height: 1.6;
  margin: 0;
}

/* ============================================================
   📱 MOBILE OVERRIDE FOR STEPS GRID
   ============================================================ */
@media (max-width: 950px) {
  .section-how-it-works {
    padding: 15px 0;
  }
  .steps-grid {
    grid-template-columns: 1fr !important; /* Forces 1 column on mobile */
    gap: 16px !important;
  }
  .step-card {
    padding: 20px; /* Slightly tighter padding for small screens */
  }
  .section-header {
    text-align: left; /* Keeps it readable on mobile */
  }
}

/* ============================================================
   RESPONSIVE — SMALL MOBILE (max-width: 400px)
   ============================================================ */
@media (max-width: 400px) {
  .section-title { font-size: 1.2rem; }
  .example-numbers {
    grid-template-columns: 1fr;
  }
  .example-num-item {
    flex-direction: row;
    justify-content: space-between;
    border-right: none !important;
    border-top: none !important;
    border-bottom: 1px solid var(--global-palette5, #E0E4E8) !important;
  }
  .env { text-align: right; }
  .example-header {
    flex-direction: column;
    align-items: flex-start;
  }
  .example-score {
    align-self: flex-start;
  }
  .pro-tip-card {
    padding: 20px 16px 20px 20px;
  }
}

.faq-answer {
  display: none;
  /* ... */
}
.faq-answer.open {
  display: block;
}
/* ============================================================
   🎨 HIERARCHY & BRAND COLOR LOCK
   ============================================================ */
h2, .card h2, .sec-title, .edu-card h2 { font-size: 1.4rem !important; color: var(--navy) !important; font-weight: 800 !important; line-height: 1.3 !important; margin-bottom: 14px !important; }
h3, .card h3, .edu-card h3, .wrap h3 { font-size: 1.15rem !important; color: var(--navy) !important; font-weight: 800 !important; margin: 20px 0 10px !important; }
h4, .card h4, .step-card h4, .tip-card h4, .edu-box h4, .wrap h4 { font-size: 0.95rem !important; color: var(--navy2) !important; font-weight: 700 !important; margin-bottom: 8px !important;}

/* ============================================================
   📱 ULTIMATE MOBILE GRID CONTAINMENT
   ============================================================ */
html, body { max-width: 100vw !important; overflow-x: hidden !important; box-sizing: border-box !important; }
*, *::before, *::after { box-sizing: border-box !important; }

@media (max-width: 950px) {
  .layout, .layout-2, .layout-main, .steps-grid, .glossary-grid, .tips-grid, .related-grid, .form-grid, .auth-grid {
    grid-template-columns: 1fr !important; display: grid !important; gap: 14px !important; width: 100% !important;
  }
  .wrap, .card, #results, #placeholder {
    width: 100% !important; max-width: 100vw !important;
    padding-left: 12px !important; padding-right: 12px !important;
    margin-left: 0 !important; margin-right: 0 !important;
  }
  .layout > div { min-width: 0 !important; width: 100% !important; }
  .form-row input, .form-row select, .form-row { width: 100% !important; max-width: 100% !important; }
  .chart-wrap { height: 250px !important; width: 100% !important; }
  .actions { display: flex !important; flex-direction: column !important; width: 100% !important; }
  .actions .btn { width: 100% !important; justify-content: center !important; }
}

/* ============================================================
   ⚪ CONTEXTUAL COLOR CORRECTION (DARK CONTAINERS)
   ============================================================ */
.edu-box h3, .alert h3, .banner h3, div[style*="background"] h3 { color: #ffffff !important; }