: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:1600px;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:1280px;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:1600px;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:1.14fr .86fr;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:1.26rem;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}}
    
    /* ── Section shell ── */
.sec-wrap{max-width:1600px;margin:0 auto;padding:0 14px 48px}
.sec-title{font-family:Montserrat,sans-serif;font-size:1.35rem;font-weight:800;color:var(--navy);margin-bottom:18px;padding-bottom:10px;border-bottom:2.5px solid #eef3f7;display:flex;align-items:center;gap:10px}
.sec-title .sec-num{width:28px;height:28px;border-radius:8px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.78rem;font-weight:800;flex-shrink:0}
.sec-divider{border:none;border-top:2px solid #eef3f7;margin:0 0 36px}

/* ── How it works ── */
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.how-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px}
.how-card .hw-num{width:30px;height:30px;border-radius:8px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:800;margin-bottom:10px}
.how-card h4{font-family:Montserrat,sans-serif;font-size:.85rem;font-weight:800;color:var(--navy);margin-bottom:6px}
.how-card p{font-size:.78rem;color:var(--muted);line-height:1.55;margin:0}
.formula-box{background:#f3f7ff;border:1px solid #c8d8f0;border-radius:10px;padding:14px 16px;margin-top:14px;font-size:.78rem;color:var(--ink);line-height:1.7}
.formula-box strong{color:var(--navy)}

/* ── Bracket / Reference tables ── */
.ref-table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px;margin-top:6px}
.ref-table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}
.ref-table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 11px;font-size:.72rem;white-space:nowrap}
.ref-table-wrap td{padding:8px 11px;border-bottom:1px solid var(--border);white-space:nowrap}
.ref-table-wrap tbody tr:nth-child(even){background:#f8fbff}
.ref-table-wrap tbody tr:last-child td{border-bottom:none}
.badge{display:inline-block;padding:2px 8px;border-radius:999px;font-size:.68rem;font-weight:700}
.badge-green{background:#e8f5e9;color:#1b5e20}
.badge-amber{background:#fff8e1;color:#6d4c00}
.badge-red{background:#ffebee;color:#b71c1c}
.badge-blue{background:#e3f0ff;color:#002868}
.badge-purple{background:#f3eaff;color:#4a148c}

/* ── Glossary ── */
.glossary-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.gloss-card{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:14px}
.gloss-card .g-term{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:4px;display:flex;align-items:center;gap:7px}
.gloss-card p{font-size:.76rem;color:var(--muted);line-height:1.55;margin:0}

/* ── Pro tips ── */
.tips-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.tip-card{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:14px}
.tip-card .tip-icon{font-size:1.4rem;margin-bottom:7px}
.tip-card h4{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:5px}
.tip-card p{font-size:.76rem;color:var(--muted);line-height:1.55;margin:0}

/* ── Scenarios ── */
.scenarios-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.scenario-card{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:16px}
.scenario-card .s-head{display:flex;align-items:flex-start;gap:10px;margin-bottom:10px}
.scenario-card .s-avatar{width:36px;height:36px;border-radius:10px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.scenario-card .s-name{font-family:Montserrat,sans-serif;font-size:.85rem;font-weight:800;color:var(--navy)}
.scenario-card .s-sub{font-size:.72rem;color:var(--muted)}
.scenario-card .s-body{font-size:.77rem;color:var(--ink);line-height:1.6}
.scenario-card .s-tags{display:flex;flex-wrap:wrap;gap:5px;margin-top:9px}
.scenario-card .s-tag{padding:3px 8px;border-radius:999px;background:#eef3f7;border:1px solid var(--border);font-size:.68rem;color:var(--muted)}

/* ── FAQ accordion ── */
.faq-list{display:flex;flex-direction:column;gap:8px}
.faq-item{background:var(--card);border:1px solid var(--border);border-radius:10px;overflow:hidden}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:14px 16px;font-family:Montserrat,sans-serif;font-size:.84rem;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:10px;line-height:1.4;transition:background .2s}
.faq-q:hover{background:#f3f7ff}
.faq-q[aria-expanded="true"]{background:#f3f7ff}
.faq-chevron{width:18px;height:18px;flex-shrink:0;transition:transform .25s}
.faq-q[aria-expanded="true"] .faq-chevron{transform:rotate(180deg)}
.faq-body{display:none;padding:0 16px 14px;font-size:.79rem;color:var(--ink);line-height:1.65}
.faq-body strong{color:var(--navy)}

/* ── Related calculators ── */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.rel-card{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:14px;text-decoration:none;color:inherit;transition:box-shadow .2s,transform .2s;display:block}
.rel-card:hover{box-shadow:0 6px 22px rgba(0,40,104,.12);transform:translateY(-2px)}
.rel-card .rel-icon{font-size:1.5rem;margin-bottom:7px}
.rel-card h4{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:4px}
.rel-card p{font-size:.73rem;color:var(--muted);line-height:1.5;margin:0}

/* ── Disclaimer ── */
.disclaimer-box{background:#fff8e1;border:1px solid #ffe08a;border-radius:12px;padding:18px 20px}
.disclaimer-box h3{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;color:#6d4c00;margin-bottom:8px;display:flex;align-items:center;gap:7px}
.disclaimer-box p,.disclaimer-box li{font-size:.76rem;color:#5a4000;line-height:1.65}
.disclaimer-box ul{padding-left:18px;margin:6px 0}
.auth-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.auth-link{padding:5px 11px;border-radius:7px;background:#fff;border:1px solid #e0c84a;font-size:.73rem;color:var(--navy);font-weight:700;text-decoration:none;transition:background .2s}
.auth-link:hover{background:#fffbe6}

/* ── Mobile ── */
@media(max-width:900px){
  .how-grid,.tips-grid{grid-template-columns:repeat(2,1fr)}
  .related-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:640px){
  .how-grid,.glossary-grid,.tips-grid,.scenarios-grid,.related-grid{grid-template-columns:1fr}
  .sec-wrap{padding:0 10px 36px}
}

/* 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%;
  }
}

/* ============================================================
   🎨 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; }
}

/* ============================================================
   📱 BULLETPROOF MOBILE DATA TABLES
   ============================================================ */
.card table { table-layout: auto !important; width: 100%; }
@media (max-width: 950px) {
  .table-wrap {
    width: 100% !important; max-width: 100vw !important;
    overflow-x: auto !important; -webkit-overflow-scrolling: touch !important; display: block !important;
  }
  .table-wrap table { min-width: 650px !important; table-layout: auto !important; }
  .table-wrap th, .table-wrap td { white-space: normal !important; word-wrap: break-word !important; padding: 10px !important; font-size: 0.8rem !important; }
}

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