: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;
      --shadow-sm:0 1px 4px rgba(0,40,104,.08);
      --shadow-md:0 4px 20px rgba(0,40,104,.12);
      --shadow-lg:0 8px 40px rgba(0,40,104,.16);
    }
    *{box-sizing:border-box;margin:0;padding:0}
    body{font-family:Inter,sans-serif;font-size:16px;color:var(--global-palette4);background:var(--global-palette7);line-height:1.6;padding:24px}
    .calc-wrapper{max-width:1280px;margin:0 auto}
    .hero{background:linear-gradient(135deg,var(--global-palette2) 0%,var(--global-palette1) 58%,#003d8c 100%);border-radius:22px;padding:34px;box-shadow:var(--shadow-lg);position:relative;overflow:hidden;margin-bottom:24px}
    .hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 20%, rgba(191,10,48,.18), transparent 35%),radial-gradient(circle at 12% 80%, rgba(0,135,90,.12), transparent 30%)}
    .hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:1.35fr .95fr;gap:26px;align-items:center}
    .hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(191,10,48,.14);border:1px solid rgba(191,10,48,.35);color:#ffb6c8;padding:6px 12px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
    .hero-badge i{width:8px;height:8px;background:var(--global-palette8);border-radius:50%}
    h1,h2,h3,h4{font-family:Montserrat,sans-serif;color:var(--global-palette3)}
    .hero h1{font-size:clamp(30px,4vw,48px);line-height:1.12;color:#fff;margin-bottom:14px}
    .hero h1 span{color:#ff7994}
    .hero p{font-size:16px;color:rgba(255,255,255,.78);max-width:760px}
    .hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
    .hero-stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(8px);border-radius:14px;padding:16px}
    .hero-stat strong{display:block;font:800 26px/1 Montserrat,sans-serif;color:#fff}
    .hero-stat span{display:block;margin-top:6px;font-size:12px;color:rgba(255,255,255,.6)}
    .ad-wrap{background:var(--global-palette6);border:1px dashed var(--global-palette5);border-radius:12px;padding:14px;text-align:center;color:var(--global-palette4);font-size:13px;margin-bottom:24px}
    .tabbar{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:24px}
    .tab-btn{background:#fff;border:1.5px solid var(--global-palette5);color:var(--global-palette4);padding:12px 18px;border-radius:10px;font:700 13px Montserrat,sans-serif;cursor:pointer;transition:.2s}
    .tab-btn.active,.tab-btn:hover{background:var(--global-palette1);border-color:var(--global-palette1);color:#fff}
    .calc-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:24px}
    .panel{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:18px;box-shadow:var(--shadow-sm)}
    .panel-head{padding:20px 22px;border-bottom:1px solid var(--global-palette5);display:flex;justify-content:space-between;gap:12px;align-items:center;flex-wrap:wrap}
    .panel-head h2{font-size:20px}
    .panel-head p{font-size:13px;color:var(--global-palette4)}
    .panel-body{padding:22px}
    .form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
    .field{display:flex;flex-direction:column;gap:7px}
    .field.full{grid-column:1/-1}
    label{font-size:13px;font-weight:700;color:var(--global-palette3)}
    input,select{width:100%;padding:13px 14px;border:1.5px solid var(--global-palette5);border-radius:10px;background:#fff;color:var(--global-palette3);font:500 14px Inter,sans-serif;outline:none;transition:.2s}
    input:focus,select:focus{border-color:var(--global-palette1);box-shadow:0 0 0 4px rgba(0,40,104,.10)}
    .input-prefix{display:flex;align-items:center;border:1.5px solid var(--global-palette5);border-radius:10px;overflow:hidden;background:#fff}
    .input-prefix span{padding:0 14px;background:var(--global-palette6);border-right:1px solid var(--global-palette5);font-weight:700;color:var(--global-palette1)}
    .input-prefix input{border:none;box-shadow:none}
    .help{font-size:12px;color:var(--global-palette4)}
    .calc-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
    .btn{border:none;border-radius:10px;padding:14px 18px;font:700 14px Montserrat,sans-serif;cursor:pointer;transition:.2s}
    .btn-primary{background:var(--global-palette1);color:#fff}
    .btn-primary:hover{background:#003580}
    .btn-secondary{background:#fff;color:var(--global-palette1);border:1.5px solid var(--global-palette5)}
    .btn-secondary:hover{background:var(--global-palette6);border-color:var(--global-palette1)}
    .btn-accent{background:var(--global-palette8);color:#fff}
    .btn-accent:hover{background:#9B0826}
    .hidden{display:none!important}
    .signal{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;font-size:12px;font-weight:700}
    .signal.ok{background:rgba(0,135,90,.12);color:var(--global-palette9)}
    .signal.mid{background:rgba(0,40,104,.08);color:var(--global-palette1)}
    .signal.warn{background:rgba(191,10,48,.12);color:var(--global-palette8)}
    .results{background:var(--global-palette6)}
    .kpi-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-bottom:18px}
    .kpi{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:16px}
    .kpi .label{font-size:12px;font-weight:700;color:var(--global-palette4);text-transform:uppercase;letter-spacing:.04em}
    .kpi .value{display:block;margin-top:8px;font:800 26px/1.1 Montserrat,sans-serif;color:var(--global-palette3)}
    .kpi .tiny{display:block;margin-top:8px;font-size:12px;color:var(--global-palette4)}
    .card{background:#fff;border:1px solid var(--global-palette5);border-radius:16px;padding:18px;margin-bottom:18px}
    .card h3{font-size:16px;margin-bottom:12px}
    .table-wrap{overflow:auto;border:1px solid var(--global-palette5);border-radius:14px;background:#fff}
    table{width:100%;border-collapse:collapse;min-width:720px}
    th,td{padding:12px 14px;border-bottom:1px solid var(--global-palette5);text-align:left;font-size:13px}
    th{font-family:Montserrat,sans-serif;font-size:12px;color:var(--global-palette3);background:var(--global-palette6);text-transform:uppercase;letter-spacing:.04em}
    tr:last-child td{border-bottom:none}
    .bar{height:10px;background:var(--global-palette5);border-radius:999px;overflow:hidden}
    .bar>span{display:block;height:100%;background:linear-gradient(90deg,var(--global-palette1),var(--global-palette8))}
    .compare-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
    .compare-card{border:1px solid var(--global-palette5);border-radius:14px;padding:14px;background:#fff}
    .compare-card h4{font-size:14px;margin-bottom:6px}
    .compare-card strong{display:block;font:800 24px/1 Montserrat,sans-serif;color:var(--global-palette1);margin:10px 0}
    .callout{border-left:4px solid var(--global-palette8);background:#fff;border-radius:12px;padding:14px 16px}
    .muted{color:var(--global-palette4)}
    canvas{max-height:320px}
    @media (max-width: 960px){
      .hero-inner,.calc-grid,.kpi-grid,.compare-grid,.form-grid,.hero-stats{grid-template-columns:1fr}
    }
    @media (max-width: 640px){
      body{padding:14px}
      .hero,.panel-head,.panel-body{padding:18px}
      .calc-actions .btn{width:100%}
    }

    /* ── How-to-Use Section ── */
    .how-section{margin-top:24px}
    .how-section .panel-head h2 .accent{color:var(--global-palette8)}
    .steps-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-bottom:22px}
    .step-card{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:22px 20px;position:relative;transition:box-shadow .25s,transform .25s}
    .step-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .step-num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;font:800 16px Montserrat,sans-serif;color:#fff;background:var(--global-palette1);margin-bottom:14px;flex-shrink:0}
    .step-card:nth-child(even) .step-num{background:var(--global-palette8)}
    .step-card h3{font-size:15px;margin-bottom:8px;line-height:1.3}
    .step-card p{font-size:13.5px;line-height:1.55;color:var(--global-palette4)}
    .step-icon{position:absolute;top:18px;right:18px;width:34px;height:34px;border-radius:10px;background:var(--global-palette6);display:flex;align-items:center;justify-content:center}
    .step-icon svg{width:18px;height:18px;stroke:var(--global-palette1);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .step-card:nth-child(even) .step-icon svg{stroke:var(--global-palette8)}
    .how-flow{display:flex;align-items:center;gap:14px;padding:18px 20px;background:#fff;border:1px solid var(--global-palette5);border-radius:14px;margin-bottom:22px;overflow-x:auto}
    .flow-item{display:flex;align-items:center;gap:10px;white-space:nowrap;font-size:13px;font-weight:600;color:var(--global-palette3)}
    .flow-dot{width:10px;height:10px;border-radius:50%;background:var(--global-palette1);flex-shrink:0}
    .flow-item:nth-child(4n) .flow-dot{background:var(--global-palette8)}
    .flow-item:nth-child(4n+2) .flow-dot{background:var(--global-palette9)}
    .flow-arrow{color:var(--global-palette5);font-size:18px;flex-shrink:0;line-height:1}
    .how-tip-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
    .how-tip{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:18px}
    .how-tip:hover{border-color:var(--global-palette1)}
    .tip-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .tip-icon svg{width:20px;height:20px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .tip-icon.navy{background:rgba(0,40,104,.08)}
    .tip-icon.navy svg{stroke:var(--global-palette1)}
    .tip-icon.red{background:rgba(191,10,48,.08)}
    .tip-icon.red svg{stroke:var(--global-palette8)}
    .tip-icon.green{background:rgba(0,135,90,.08)}
    .tip-icon.green svg{stroke:var(--global-palette9)}
    .how-tip h4{font-size:14px;margin-bottom:4px}
    .how-tip p{font-size:13px;color:var(--global-palette4);line-height:1.5}
    @media(max-width:960px){
      .steps-grid{grid-template-columns:1fr}
      .how-tip-grid{grid-template-columns:1fr}
    }
    @media(max-width:640px){
      .step-card{padding:18px 16px}
      .how-tip{padding:14px}
      .how-flow{padding:14px 16px;gap:10px}
    }
     /* ── Educational Content Section ── */
    .edu-section{margin-top:24px}
    .edu-section .panel-head h2 .accent{color:var(--global-palette8)}
    .edu-intro{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:22px}
    .edu-intro-text{font-size:14.5px;line-height:1.7;color:var(--global-palette4)}
    .edu-intro-text strong{color:var(--global-palette3)}
    .edu-highlight-box{background:linear-gradient(135deg,var(--global-palette2) 0%,var(--global-palette1) 100%);border-radius:14px;padding:24px;color:#fff;display:flex;flex-direction:column;justify-content:center}
    .edu-highlight-box h3{font-size:18px;color:#fff;margin-bottom:10px}
    .edu-highlight-box p{font-size:13.5px;color:rgba(255,255,255,.78);line-height:1.55}
    .edu-highlight-box .edu-formula{display:block;margin-top:14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:14px 16px;font:700 15px/1.5 'Courier New',monospace;color:#fff;text-align:center;letter-spacing:.02em}
    .edu-topics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:22px}
    .edu-topic{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:22px 20px;transition:box-shadow .25s,transform .25s}
    .edu-topic:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .edu-topic-header{display:flex;align-items:flex-start;gap:14px;margin-bottom:12px}
    .edu-topic-icon{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .edu-topic-icon svg{width:20px;height:20px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .edu-topic-icon.navy{background:rgba(0,40,104,.08)}
    .edu-topic-icon.navy svg{stroke:var(--global-palette1)}
    .edu-topic-icon.red{background:rgba(191,10,48,.08)}
    .edu-topic-icon.red svg{stroke:var(--global-palette8)}
    .edu-topic-icon.green{background:rgba(0,135,90,.08)}
    .edu-topic-icon.green svg{stroke:var(--global-palette9)}
    .edu-topic-icon.dark{background:rgba(29,29,31,.06)}
    .edu-topic-icon.dark svg{stroke:var(--global-palette3)}
    .edu-topic h3{font-size:15px;line-height:1.3;margin-bottom:0}
    .edu-topic h3 .tag{display:inline-block;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;margin-left:8px;vertical-align:middle}
    .tag-key{background:rgba(0,40,104,.08);color:var(--global-palette1)}
    .tag-alert{background:rgba(191,10,48,.08);color:var(--global-palette8)}
    .tag-new{background:rgba(0,135,90,.08);color:var(--global-palette9)}
    .edu-topic p{font-size:13.5px;color:var(--global-palette4);line-height:1.6}
    .edu-topic ul{margin:10px 0 0 0;padding-left:18px}
    .edu-topic ul li{font-size:13px;color:var(--global-palette4);line-height:1.6;margin-bottom:4px}
    .edu-topic ul li strong{color:var(--global-palette3)}
    .edu-fee-table-wrap{overflow:auto;border:1px solid var(--global-palette5);border-radius:14px;background:#fff;margin-bottom:22px}
    .edu-fee-table{width:100%;border-collapse:collapse;min-width:640px}
    .edu-fee-table th,.edu-fee-table td{padding:13px 16px;border-bottom:1px solid var(--global-palette5);text-align:left;font-size:13px}
    .edu-fee-table th{font-family:Montserrat,sans-serif;font-size:11px;color:var(--global-palette3);background:var(--global-palette6);text-transform:uppercase;letter-spacing:.05em}
    .edu-fee-table tr:last-child td{border-bottom:none}
    .edu-fee-table .fee-bar{height:8px;background:var(--global-palette5);border-radius:999px;overflow:hidden;min-width:80px}
    .edu-fee-table .fee-bar span{display:block;height:100%;border-radius:999px}
    .bar-low{background:var(--global-palette9)}
    .bar-mid{background:var(--global-palette1)}
    .bar-high{background:var(--global-palette8)}
    .edu-bottom-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
    .edu-stat-card{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:18px;text-align:center;transition:box-shadow .25s}
    .edu-stat-card:hover{box-shadow:var(--shadow-md)}
    .edu-stat-card .stat-val{display:block;font:800 28px/1 Montserrat,sans-serif;color:var(--global-palette1);margin-bottom:8px}
    .edu-stat-card:nth-child(2) .stat-val{color:var(--global-palette8)}
    .edu-stat-card:nth-child(3) .stat-val{color:var(--global-palette9)}
    .edu-stat-card .stat-label{font-size:13px;font-weight:700;color:var(--global-palette3);margin-bottom:4px}
    .edu-stat-card .stat-desc{font-size:12px;color:var(--global-palette4);line-height:1.5}
    @media(max-width:960px){
      .edu-intro,.edu-topics,.edu-bottom-grid{grid-template-columns:1fr}
    }
    @media(max-width:640px){
      .edu-topic{padding:18px 16px}
      .edu-highlight-box{padding:18px}
      .edu-stat-card{padding:14px}
    }
     /* ── Pro Tips / Expert Insights Section ── */
    .protips-section{margin-top:24px}
    .protips-section .panel-head h2 .accent{color:var(--global-palette8)}
    .protips-intro{display:flex;align-items:center;gap:16px;background:linear-gradient(135deg,var(--global-palette2) 0%,var(--global-palette1) 100%);border-radius:14px;padding:22px 24px;margin-bottom:22px;color:#fff}
    .protips-intro-icon{width:48px;height:48px;border-radius:12px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .protips-intro-icon svg{width:24px;height:24px;fill:none;stroke:#fff;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .protips-intro p{font-size:14px;color:rgba(255,255,255,.82);line-height:1.55}
    .protips-intro strong{color:#fff}
    .protip-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:22px}
    .protip-card{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:22px 20px;position:relative;transition:box-shadow .25s,transform .25s}
    .protip-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .protip-card-top{display:flex;align-items:flex-start;gap:14px;margin-bottom:12px}
    .protip-badge{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .protip-badge svg{width:20px;height:20px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .protip-badge.navy{background:rgba(0,40,104,.08)}
    .protip-badge.navy svg{stroke:var(--global-palette1)}
    .protip-badge.red{background:rgba(191,10,48,.08)}
    .protip-badge.red svg{stroke:var(--global-palette8)}
    .protip-badge.green{background:rgba(0,135,90,.08)}
    .protip-badge.green svg{stroke:var(--global-palette9)}
    .protip-badge.dark{background:rgba(29,29,31,.06)}
    .protip-badge.dark svg{stroke:var(--global-palette3)}
    .protip-card h3{font-size:15px;line-height:1.3}
    .protip-card-tag{display:inline-block;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;margin-left:8px;vertical-align:middle}
    .ptag-save{background:rgba(0,135,90,.1);color:var(--global-palette9)}
    .ptag-avoid{background:rgba(191,10,48,.1);color:var(--global-palette8)}
    .ptag-smart{background:rgba(0,40,104,.1);color:var(--global-palette1)}
    .ptag-expert{background:rgba(29,29,31,.07);color:var(--global-palette3)}
    .protip-card p{font-size:13.5px;color:var(--global-palette4);line-height:1.6}
    .protip-card p strong{color:var(--global-palette3)}
    .protip-action{margin-top:12px;display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:700;color:var(--global-palette1);text-decoration:none}
    .protip-card:nth-child(even) .protip-action{color:var(--global-palette8)}
    .protip-action svg{width:14px;height:14px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .protip-bottom{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
    .protip-mini{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:16px 18px;transition:box-shadow .25s}
    .protip-mini:hover{box-shadow:var(--shadow-sm)}
    .protip-mini-num{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font:800 14px Montserrat,sans-serif;color:#fff;flex-shrink:0}
    .protip-mini:nth-child(1) .protip-mini-num{background:var(--global-palette1)}
    .protip-mini:nth-child(2) .protip-mini-num{background:var(--global-palette8)}
    .protip-mini:nth-child(3) .protip-mini-num{background:var(--global-palette9)}
    .protip-mini h4{font-size:13.5px;line-height:1.3;margin-bottom:2px}
    .protip-mini p{font-size:12px;color:var(--global-palette4);line-height:1.45}
    @media(max-width:960px){
      .protip-cards,.protip-bottom{grid-template-columns:1fr}
      .protips-intro{flex-direction:column;text-align:center}
    }
    @media(max-width:640px){
      .protip-card{padding:18px 16px}
      .protips-intro{padding:18px}
      .protip-mini{padding:14px}
    }
    /* ── Real US Examples Section ── */
    .examples-section{margin-top:24px}
    .examples-section .panel-head h2 .accent{color:var(--global-palette8)}
    .examples-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
    .example-card{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;overflow:hidden;transition:box-shadow .25s,transform .25s}
    .example-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px)}
    .example-card-head{padding:20px 20px 16px;position:relative}
    .example-num{position:absolute;top:18px;right:18px;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font:800 15px Montserrat,sans-serif;color:#fff}
    .example-card:nth-child(1) .example-num{background:var(--global-palette1)}
    .example-card:nth-child(2) .example-num{background:var(--global-palette8)}
    .example-card:nth-child(3) .example-num{background:var(--global-palette9)}
    .example-persona{display:flex;align-items:center;gap:12px;margin-bottom:12px}
    .example-avatar{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .example-card:nth-child(1) .example-avatar{background:rgba(0,40,104,.08)}
    .example-card:nth-child(2) .example-avatar{background:rgba(191,10,48,.08)}
    .example-card:nth-child(3) .example-avatar{background:rgba(0,135,90,.08)}
    .example-avatar svg{width:22px;height:22px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .example-card:nth-child(1) .example-avatar svg{stroke:var(--global-palette1)}
    .example-card:nth-child(2) .example-avatar svg{stroke:var(--global-palette8)}
    .example-card:nth-child(3) .example-avatar svg{stroke:var(--global-palette9)}
    .example-persona h3{font-size:15px;line-height:1.3}
    .example-persona .example-loc{font-size:12px;color:var(--global-palette4);font-weight:400;font-family:Inter,sans-serif}
    .example-card-head p{font-size:13.5px;line-height:1.55;color:var(--global-palette4)}
    .example-inputs{border-top:1px solid var(--global-palette5);border-bottom:1px solid var(--global-palette5);padding:16px 20px;display:grid;grid-template-columns:1fr 1fr;gap:10px 18px;background:var(--global-palette6)}
    .example-input-row{display:flex;justify-content:space-between;align-items:center;gap:6px}
    .example-input-row .ei-label{font-size:12px;color:var(--global-palette4)}
    .example-input-row .ei-val{font:700 13px Montserrat,sans-serif;color:var(--global-palette3);white-space:nowrap}
    .example-results{padding:16px 20px}
    .example-kpis{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
    .example-kpi{background:var(--global-palette6);border-radius:10px;padding:12px;text-align:center}
    .example-kpi .ek-val{display:block;font:800 20px/1 Montserrat,sans-serif;margin-bottom:4px}
    .example-card:nth-child(1) .ek-apr{color:var(--global-palette8)}
    .example-card:nth-child(2) .ek-apr{color:var(--global-palette8)}
    .example-card:nth-child(3) .ek-apr{color:var(--global-palette8)}
    .ek-save{color:var(--global-palette9)}
    .ek-fee{color:var(--global-palette1)}
    .ek-alt{color:var(--global-palette4)}
    .example-kpi .ek-label{font-size:11px;color:var(--global-palette4);text-transform:uppercase;letter-spacing:.04em;font-weight:600}
    .example-lesson{display:flex;gap:10px;align-items:flex-start;background:var(--global-palette6);border-radius:10px;padding:12px 14px}
    .example-lesson-icon{width:28px;height:28px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .example-card:nth-child(1) .example-lesson-icon{background:rgba(0,40,104,.1)}
    .example-card:nth-child(2) .example-lesson-icon{background:rgba(191,10,48,.1)}
    .example-card:nth-child(3) .example-lesson-icon{background:rgba(0,135,90,.1)}
    .example-lesson-icon svg{width:14px;height:14px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .example-card:nth-child(1) .example-lesson-icon svg{stroke:var(--global-palette1)}
    .example-card:nth-child(2) .example-lesson-icon svg{stroke:var(--global-palette8)}
    .example-card:nth-child(3) .example-lesson-icon svg{stroke:var(--global-palette9)}
    .example-lesson p{font-size:12.5px;color:var(--global-palette3);line-height:1.5;font-weight:600}
    .example-lesson p span{font-weight:400;color:var(--global-palette4)}
    .examples-footnote{margin-top:18px;display:flex;align-items:center;gap:10px;padding:14px 18px;border:1px dashed var(--global-palette5);border-radius:10px;font-size:12.5px;color:var(--global-palette4);line-height:1.5}
    .examples-footnote svg{width:18px;height:18px;fill:none;stroke:var(--global-palette4);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
    @media(max-width:960px){
      .examples-grid{grid-template-columns:1fr}
    }
    @media(max-width:640px){
      .example-card-head{padding:16px}
      .example-inputs{padding:14px 16px}
      .example-results{padding:14px 16px}
      .example-inputs{grid-template-columns:1fr}
    }
     /* ── FAQ Section ── */
    .faq-section{margin-top:24px}
    .faq-section .panel-head h2 .accent{color:var(--global-palette8)}
    .faq-count{display:inline-flex;align-items:center;justify-content:center;background:var(--global-palette1);color:#fff;font:800 12px Montserrat,sans-serif;padding:4px 10px;border-radius:999px;margin-left:8px;vertical-align:middle}
    .faq-search{display:flex;gap:12px;margin-bottom:20px}
    .faq-search input{flex:1;padding:13px 16px;border:1.5px solid var(--global-palette5);border-radius:10px;background:#fff;font:500 14px Inter,sans-serif;color:var(--global-palette3);outline:none;transition:.2s}
    .faq-search input:focus{border-color:var(--global-palette1);box-shadow:0 0 0 4px rgba(0,40,104,.10)}
    .faq-search input::placeholder{color:var(--global-palette4)}
    .faq-cats{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
    .faq-cat{padding:8px 16px;border-radius:999px;border:1.5px solid var(--global-palette5);background:#fff;font:700 12px Montserrat,sans-serif;color:var(--global-palette4);cursor:pointer;transition:.2s}
    .faq-cat:hover,.faq-cat.active{background:var(--global-palette1);border-color:var(--global-palette1);color:#fff}
    .faq-list{display:flex;flex-direction:column;gap:10px;margin-bottom:18px}
    .faq-item{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;overflow:hidden;transition:box-shadow .25s}
    .faq-item:hover{box-shadow:var(--shadow-sm)}
    .faq-item.open{box-shadow:var(--shadow-md);border-color:var(--global-palette1)}
    .faq-q{display:flex;align-items:center;gap:14px;padding:18px 20px;cursor:pointer;width:100%;text-align:left;background:none;border:none;font:700 14.5px/1.4 Inter,sans-serif;color:var(--global-palette3);transition:.2s}
    .faq-q:hover{color:var(--global-palette1)}
    .faq-q-icon{width:34px;height:34px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .2s}
    .faq-q-icon svg{width:16px;height:16px;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .faq-q-icon.navy{background:rgba(0,40,104,.08)}
    .faq-q-icon.navy svg{stroke:var(--global-palette1)}
    .faq-q-icon.red{background:rgba(191,10,48,.08)}
    .faq-q-icon.red svg{stroke:var(--global-palette8)}
    .faq-q-icon.green{background:rgba(0,135,90,.08)}
    .faq-q-icon.green svg{stroke:var(--global-palette9)}
    .faq-item.open .faq-q-icon.navy{background:var(--global-palette1)}
    .faq-item.open .faq-q-icon.navy svg{stroke:#fff}
    .faq-item.open .faq-q-icon.red{background:var(--global-palette8)}
    .faq-item.open .faq-q-icon.red svg{stroke:#fff}
    .faq-item.open .faq-q-icon.green{background:var(--global-palette9)}
    .faq-item.open .faq-q-icon.green svg{stroke:#fff}
    .faq-q-text{flex:1}
    .faq-q-cat{display:inline-block;font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;margin-left:8px;vertical-align:middle}
    .fqc-basics{background:rgba(0,40,104,.08);color:var(--global-palette1)}
    .fqc-fees{background:rgba(191,10,48,.08);color:var(--global-palette8)}
    .fqc-protect{background:rgba(0,135,90,.08);color:var(--global-palette9)}
    .fqc-calc{background:rgba(29,29,31,.06);color:var(--global-palette3)}
    .faq-chevron{width:20px;height:20px;flex-shrink:0;transition:transform .25s ease}
    .faq-chevron svg{width:20px;height:20px;fill:none;stroke:var(--global-palette4);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    .faq-item.open .faq-chevron{transform:rotate(180deg)}
    .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .25s ease}
    .faq-item.open .faq-a{max-height:600px}
    .faq-a-inner{padding:0 20px 20px 68px;font-size:14px;line-height:1.65;color:var(--global-palette4)}
    .faq-a-inner strong{color:var(--global-palette3)}
    .faq-a-inner ul{margin:8px 0 0 16px;padding:0}
    .faq-a-inner ul li{margin-bottom:4px}
    .faq-no-results{text-align:center;padding:32px 20px;color:var(--global-palette4);font-size:14px;display:none}
    .faq-no-results svg{width:40px;height:40px;stroke:var(--global-palette5);fill:none;stroke-width:1.5;margin:0 auto 12px}
    .faq-schema{display:none}
    @media(max-width:960px){
      .faq-cats{gap:6px}
    }
    @media(max-width:640px){
      .faq-q{padding:16px;gap:10px;font-size:13.5px}
      .faq-a-inner{padding:0 16px 16px 16px}
      .faq-q-icon{width:30px;height:30px;border-radius:8px}
      .faq-q-icon svg{width:14px;height:14px}
    }
    /* ── Related Calculators Section ── */
    .related-section{margin-top:24px}
    .related-section .panel-head h2 .accent{color:var(--global-palette8)}
    .related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-bottom:18px}
    .related-card{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:22px 20px;display:flex;flex-direction:column;transition:box-shadow .25s,transform .25s;text-decoration:none;color:inherit}
    .related-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--global-palette1)}
    .related-card-top{display:flex;align-items:flex-start;gap:14px;margin-bottom:12px}
    .related-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .related-icon svg{width:22px;height:22px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .ri-navy{background:rgba(0,40,104,.08)}
    .ri-navy svg{stroke:var(--global-palette1)}
    .ri-red{background:rgba(191,10,48,.08)}
    .ri-red svg{stroke:var(--global-palette8)}
    .ri-green{background:rgba(0,135,90,.08)}
    .ri-green svg{stroke:var(--global-palette9)}
    .ri-dark{background:rgba(29,29,31,.06)}
    .ri-dark svg{stroke:var(--global-palette3)}
    .related-card h3{font-size:14.5px;line-height:1.3;margin-bottom:0}
    .related-cat-tag{display:inline-block;font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;margin-top:6px}
    .rcat-credit{background:rgba(0,40,104,.08);color:var(--global-palette1)}
    .rcat-loans{background:rgba(191,10,48,.08);color:var(--global-palette8)}
    .rcat-personal{background:rgba(0,135,90,.08);color:var(--global-palette9)}
    .rcat-business{background:rgba(29,29,31,.06);color:var(--global-palette3)}
    .related-card p{font-size:13px;color:var(--global-palette4);line-height:1.55;flex:1;margin-top:10px}
    .related-card-link{display:inline-flex;align-items:center;gap:6px;margin-top:12px;font-size:12.5px;font-weight:700;color:var(--global-palette1)}
    .related-card:nth-child(3n+2) .related-card-link{color:var(--global-palette8)}
    .related-card:nth-child(3n) .related-card-link{color:var(--global-palette9)}
    .related-card-link svg{width:14px;height:14px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
    .related-card:hover .related-card-link svg{transform:translateX(3px)}
    .related-browse{display:flex;align-items:center;justify-content:center;gap:10px;padding:16px 20px;background:linear-gradient(135deg,var(--global-palette2) 0%,var(--global-palette1) 100%);border-radius:14px}
    .related-browse a{display:inline-flex;align-items:center;gap:8px;padding:12px 24px;border-radius:10px;border:1.5px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);font:700 13px Montserrat,sans-serif;color:#fff;text-decoration:none;transition:.2s}
    .related-browse a:hover{background:rgba(255,255,255,.18);border-color:rgba(255,255,255,.4)}
    .related-browse a svg{width:16px;height:16px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
    @media(max-width:960px){
      .related-grid{grid-template-columns:1fr}
      .related-browse{flex-direction:column;gap:8px}
    }
    @media(max-width:640px){
      .related-card{padding:18px 16px}
      .related-browse{padding:14px 16px}
      .related-browse a{padding:10px 18px;font-size:12px}
    }
    /* ── Legal Disclaimer & Editorial Transparency Section ── */
    .legal-section{margin-top:24px}
    .legal-section .panel-head h2 .accent{color:var(--global-palette8)}
    .legal-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:22px}
    .legal-block{background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:22px 20px;transition:box-shadow .25s}
    .legal-block:hover{box-shadow:var(--shadow-sm)}
    .legal-block-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
    .legal-block-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .legal-block-icon svg{width:20px;height:20px;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .lbi-navy{background:rgba(0,40,104,.08)}
    .lbi-navy svg{stroke:var(--global-palette1)}
    .lbi-red{background:rgba(191,10,48,.08)}
    .lbi-red svg{stroke:var(--global-palette8)}
    .lbi-green{background:rgba(0,135,90,.08)}
    .lbi-green svg{stroke:var(--global-palette9)}
    .lbi-dark{background:rgba(29,29,31,.06)}
    .lbi-dark svg{stroke:var(--global-palette3)}
    .legal-block h3{font-size:15px;line-height:1.3}
    .legal-block p{font-size:13.5px;color:var(--global-palette4);line-height:1.6;margin-top:10px}
    .legal-block p strong{color:var(--global-palette3)}
    .legal-block ul{margin:10px 0 0 16px;padding:0}
    .legal-block ul li{font-size:13px;color:var(--global-palette4);line-height:1.6;margin-bottom:5px}
    .legal-block ul li strong{color:var(--global-palette3)}
    .legal-disclaimer-banner{background:linear-gradient(135deg,var(--global-palette2) 0%,var(--global-palette1) 100%);border-radius:14px;padding:24px;color:#fff;margin-bottom:22px}
    .legal-disclaimer-banner h3{font-size:17px;color:#fff;margin-bottom:10px;display:flex;align-items:center;gap:10px}
    .legal-disclaimer-banner h3 svg{width:22px;height:22px;fill:none;stroke:#ff7994;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
    .legal-disclaimer-banner p{font-size:13.5px;color:rgba(255,255,255,.78);line-height:1.6}
    .legal-disclaimer-banner p strong{color:#fff}
    .legal-authority-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:22px}
    .authority-card{display:flex;align-items:flex-start;gap:14px;background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:18px;text-decoration:none;color:inherit;transition:box-shadow .25s,transform .25s}
    .authority-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--global-palette1)}
    .authority-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;background:rgba(0,40,104,.08)}
    .authority-icon svg{width:22px;height:22px;fill:none;stroke:var(--global-palette1);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
    .authority-card h4{font-size:13.5px;line-height:1.3;margin-bottom:4px}
    .authority-card p{font-size:12px;color:var(--global-palette4);line-height:1.45}
    .authority-card .auth-link{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;font-weight:700;color:var(--global-palette1);margin-top:6px}
    .authority-card .auth-link svg{width:12px;height:12px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
    .authority-card:hover .auth-link svg{transform:translateX(3px)}
    .legal-editorial{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-bottom:22px}
    .editorial-item{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--global-palette5);border-radius:14px;padding:16px}
    .editorial-item:hover{border-color:var(--global-palette1)}
    .editorial-check{width:28px;height:28px;border-radius:8px;background:rgba(0,135,90,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .editorial-check svg{width:14px;height:14px;fill:none;stroke:var(--global-palette9);stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
    .editorial-item h4{font-size:13.5px;line-height:1.3;margin-bottom:3px}
    .editorial-item p{font-size:12.5px;color:var(--global-palette4);line-height:1.5}
    .legal-update{display:flex;align-items:center;gap:10px;padding:14px 18px;border:1px dashed var(--global-palette5);border-radius:10px;font-size:12.5px;color:var(--global-palette4);line-height:1.5}
    .legal-update svg{width:18px;height:18px;fill:none;stroke:var(--global-palette4);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
    @media(max-width:960px){
      .legal-cols,.legal-authority-grid,.legal-editorial{grid-template-columns:1fr}
    }
    @media(max-width:640px){
      .legal-block{padding:18px 16px}
      .legal-disclaimer-banner{padding:18px}
      .authority-card{padding:14px}
      .editorial-item{padding:14px}
    }
/* ─────────────────────────────────────────────
   MASTER MOBILE FIX: FLEXBOX OVERFLOW KILLER
   ───────────────────────────────────────────── */
@media screen and (max-width: 768px) {
  /* Stop the page from allowing horizontal scroll */
  html, body {
    overflow-x: hidden !important;
  }
  
  /* Force all Flexbox/Grid children to shrink */
  .calc-wrapper *,
  .calc-grid * {
    min-width: 0 !important;
  }

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