:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;--whatsapp:#25D366;
  --platinum:#E5E4E2;--palladium:#CED0DD;--copper:#B87333;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);min-height:100vh}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}

.calc-header{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);color:#fff;padding:26px 24px 20px;text-align:center;border-bottom:3px solid var(--gold)}
.calc-header h1{font-size:clamp(1.2rem,3.5vw,1.85rem);font-weight:800;margin-bottom:8px;color:var(--gold)}
.calc-header p{font-size:.87rem;opacity:.85;max-width:720px;margin:0 auto}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap;margin-top:12px}
.header-badge{background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);border-radius:20px;padding:4px 11px;font-size:.71rem;font-weight:600;color:var(--gold)}

/* LIVE SPOT TICKER */
.spot-ticker{background:#111;color:#fff;padding:10px 16px;display:flex;gap:24px;flex-wrap:wrap;align-items:center;font-size:.8rem;overflow-x:auto}
.spot-ticker .st-item{display:flex;align-items:center;gap:8px;flex-shrink:0}
.st-metal{font-weight:700;font-size:.75rem;opacity:.7;text-transform:uppercase;letter-spacing:.5px}
.st-price{font-size:1.05rem;font-weight:800;font-family:'Montserrat',sans-serif}
.st-gold{color:var(--gold)}
.st-silver{color:var(--silver)}
.st-plat{color:var(--platinum)}
.st-pall{color:var(--palladium)}
.st-copper{color:#B87333}
.st-change.pos{color:#00e676}
.st-change.neg{color:#ff5252}
.st-update{font-size:.7rem;color:rgba(255,255,255,.4);margin-left:auto;flex-shrink:0}

.tab-nav{display:flex;background:#111;padding:0 12px;overflow-x:auto;gap:2px;scrollbar-width:none;border-bottom:1px solid #333}
.tab-nav::-webkit-scrollbar{display:none}
.tab-btn{flex-shrink:0;padding:11px 13px;font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:rgba(255,255,255,.5);background:none;border:none;border-bottom:3px solid transparent;cursor:pointer;white-space:nowrap;transition:all .2s}
.tab-btn.active{color:var(--gold);border-bottom-color:var(--gold)}
.tab-btn:hover:not(.active){color:rgba(255,255,255,.8)}

.ad-slot{background:#f0f4ff;border:2px dashed var(--border);border-radius:8px;padding:16px;text-align:center;color:var(--muted);font-size:.78rem;margin:14px 0}
.ad-slot span{font-weight:600;color:var(--navy)}

.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
@media(max-width:767px){.two-col{grid-template-columns:1fr}}

.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:20px}
.card-title{font-size:.95rem;font-weight:700;color:var(--dark);margin-bottom:13px;padding-bottom:8px;border-bottom:2px solid var(--light-bg);display:flex;align-items:center;gap:8px}
.card-title .icon{width:22px;height:22px;background:linear-gradient(135deg,var(--gold),#a07510);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.7rem;color:#fff;flex-shrink:0}

.form-row{margin-bottom:12px}
.form-row label{display:block;font-size:.79rem;font-weight:600;color:var(--text);margin-bottom:4px}
.form-row label .hint{font-weight:400;color:var(--muted);font-size:.73rem}
input[type=number],select,input[type=text]{width:100%;border:1.5px solid var(--border);border-radius:8px;padding:8px 11px;font-size:.87rem;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:border .2s;outline:none}
input[type=number]:focus,select:focus{border-color:var(--gold)}
.toggle-group{display:flex;gap:0;flex-wrap:wrap}
.toggle-group label{flex:1;text-align:center;padding:7px 5px;font-size:.77rem;font-weight:600;cursor:pointer;border:1.5px solid var(--border);background:#fff;color:var(--muted);transition:all .2s;min-width:60px}
.toggle-group label:first-child{border-radius:8px 0 0 8px}
.toggle-group label:last-child{border-radius:0 8px 8px 0}
.toggle-group input[type=radio]{display:none}
.toggle-group label:has(input:checked){background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);border-color:#333}

/* RESULTS */
.result-highlight{background:linear-gradient(135deg,#1A1A1A,#2d2918);color:#fff;border-radius:12px;padding:18px;margin-bottom:12px;border:1px solid rgba(212,160,23,.3)}
.result-highlight .label{font-size:.74rem;opacity:.7;margin-bottom:3px;text-transform:uppercase;letter-spacing:.5px;color:var(--gold)}
.result-highlight .value{font-size:1.55rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.result-highlight .sub{font-size:.78rem;opacity:.65;margin-top:3px}
.result-highlight.green-rh{background:linear-gradient(135deg,var(--green),#006e32)}
.result-highlight.red-rh{background:linear-gradient(135deg,var(--red),#8b0020)}
.result-highlight.navy-rh{background:linear-gradient(135deg,var(--navy),#003580)}
.result-highlight.green-rh .label,.result-highlight.red-rh .label,.result-highlight.navy-rh .label{color:rgba(255,255,255,.8)}
.result-highlight.green-rh .value,.result-highlight.red-rh .value,.result-highlight.navy-rh .value{color:#fff}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:12px}
.res-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:11px;text-align:center}
.res-box .rb-label{font-size:.7rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.res-box .rb-val{font-size:1.0rem;font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif}
.res-box .rb-sub{font-size:.69rem;color:var(--muted);margin-top:2px}

/* ALERTS */
.alert-danger{background:#ffebee;border-left:4px solid var(--red);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.8rem;color:#b71c1c;margin:9px 0;line-height:1.55}
.alert-warning{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.8rem;color:#5d4037;margin:9px 0;line-height:1.55}
.alert-success{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.8rem;color:#1b5e20;margin:9px 0;line-height:1.55}
.alert-info{background:#fffde7;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.8rem;color:#333;margin:9px 0;line-height:1.55}
.alert-danger strong,.alert-warning strong,.alert-success strong,.alert-info strong{display:block;margin-bottom:3px}

/* DATA TABLE */
.data-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border)}
.data-table{width:100%;border-collapse:collapse;font-size:.78rem}
.data-table thead th{background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);padding:9px 11px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.72rem;white-space:nowrap}
.data-table tbody tr:nth-child(even){background:#fafaf5}
.data-table tbody tr:hover{background:#fff8e1}
.data-table td{padding:8px 11px;border-bottom:1px solid var(--border);white-space:nowrap}
.td-gold{color:var(--gold);font-weight:700}
.td-green{color:var(--green);font-weight:600}
.td-red{color:var(--red);font-weight:600}
.td-bold{font-weight:700;color:var(--dark)}

/* BUTTONS */
.btn-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:14px}
.btn{padding:10px 20px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.81rem;font-weight:700;cursor:pointer;border:2px solid transparent;transition:all .2s;display:inline-flex;align-items:center;gap:6px}
.btn-calc{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.btn-calc:hover{background:linear-gradient(135deg,#a07510,#7a5a00)}
.btn-clear{background:#fff;color:var(--red);border-color:var(--red)}
.btn-clear:hover{background:var(--red);color:#fff}
.btn-pdf{background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);border-color:#333}
.btn-pdf:hover{background:#000}
.btn-wa{background:var(--whatsapp);color:#fff;border-color:var(--whatsapp)}
.btn-wa:hover{background:#1da851}
.btn-add{background:none;border:1.5px dashed var(--border);border-radius:8px;color:var(--muted);font-size:.8rem;cursor:pointer;padding:7px 14px;width:100%;margin-top:6px;transition:all .2s}
.btn-add:hover{border-color:var(--gold);color:var(--gold)}
.btn-remove{background:none;border:none;color:var(--red);cursor:pointer;font-size:1rem;padding:2px 6px}

/* MISC */
.tab-panel{display:none}
.tab-panel.active{display:block}
.hidden{display:none!important}
.chart-wrap{position:relative;height:250px;margin-top:10px}
.section-label{font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:700;color:var(--dark);text-transform:uppercase;letter-spacing:.5px;margin:14px 0 9px;padding-bottom:5px;border-bottom:2px solid var(--light-bg)}
.placeholder-msg{text-align:center;padding:36px 18px;color:var(--muted)}
.placeholder-msg .big-icon{font-size:2.4rem;margin-bottom:10px}
.placeholder-msg p{font-size:.87rem;line-height:1.5}
.disclaimer{font-size:.72rem;color:var(--muted);margin-top:13px;line-height:1.5;padding:10px 12px;background:#f5f5f5;border-radius:8px}
.tag-pill{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:12px;font-size:.7rem;font-weight:600;margin:2px}
.pill-green{background:#e8f5e9;color:#1b5e20}
.pill-red{background:#ffebee;color:#b71c1c}
.pill-gold{background:#fff8e1;color:#856404}

/* METAL BADGE */
.metal-badge{display:inline-flex;align-items:center;gap:6px;padding:5px 12px;border-radius:20px;font-weight:700;font-size:.82rem;font-family:'Montserrat',sans-serif}
.mb-gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff}
.mb-silver{background:linear-gradient(135deg,#888,#555);color:#fff}
.mb-platinum{background:linear-gradient(135deg,#a8a9ad,#7a7b7f);color:#fff}
.mb-palladium{background:linear-gradient(135deg,#8a8fa8,#5a5f7f);color:#fff}
.mb-copper{background:linear-gradient(135deg,#b87333,#8a5520);color:#fff}

/* RATIO SIGNAL */
.ratio-signal{border-radius:12px;padding:16px;text-align:center;margin:10px 0}
.rs-silver-underval{background:linear-gradient(135deg,#00695c,#004d40);color:#fff}
.rs-neutral{background:linear-gradient(135deg,#5d4037,#3e2723);color:#fff}
.rs-gold-underval{background:linear-gradient(135deg,#827717,#5d4500);color:#fff}
.ratio-big{font-size:2.4rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}

/* BREAKEVEN BAR */
.breakeven-track{background:#eee;border-radius:20px;height:16px;position:relative;overflow:hidden;margin:8px 0}
.be-cost{height:16px;background:linear-gradient(90deg,var(--red),#e53935);border-radius:20px 0 0 20px}
.be-gain{height:16px;background:linear-gradient(90deg,var(--green),#43a047);border-radius:0 20px 20px 0;position:absolute;top:0}
/* ── ROOT TOKENS (exact match to calculator) ── */
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;--whatsapp:#25D366;
  --platinum:#E5E4E2;--palladium:#CED0DD;--copper:#B87333;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}

/* ── CALC BODY ── */
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}

/* ── SECTION HEADER (matches calc-header dark/gold style) ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;
  padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;
  text-align:center;
  margin-bottom:0;
}
.section-header h2{
  font-size:clamp(1.1rem,3vw,1.6rem);
  font-weight:800;
  color:var(--gold);
  margin-bottom:7px;
}
.section-header p{
  font-size:.85rem;
  opacity:.85;
  max-width:680px;
  margin:0 auto 13px;
  line-height:1.65;
}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{
  background:rgba(212,160,23,.2);
  border:1px solid rgba(212,160,23,.4);
  border-radius:20px;
  padding:4px 12px;
  font-size:.71rem;
  font-weight:600;
  color:var(--gold);
}

/* ── STATS ROW ── */
.stats-row{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:0;
  background:var(--dark);
  border-bottom:2px solid #2a2a2a;
  margin-bottom:20px;
  border-radius:0 0 0 0;
}
.stat-box{
  padding:13px 10px;
  text-align:center;
  border-right:1px solid #333;
}
.stat-box:last-child{border-right:none}
.stat-num{
  font-size:1.25rem;
  font-weight:800;
  font-family:'Montserrat',sans-serif;
  color:var(--gold);
}
.stat-lbl{font-size:.65rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}

/* ── SECTION LABEL ── */
.section-label{
  font-family:'Montserrat',sans-serif;
  font-size:.8rem;font-weight:700;
  color:var(--dark);
  text-transform:uppercase;letter-spacing:.5px;
  margin:14px 0 9px;
  padding-bottom:5px;
  border-bottom:2px solid var(--light-bg);
}

/* ── CARD ── */
.card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:12px;
  padding:20px;
}
.card-title{
  font-size:.95rem;font-weight:700;
  color:var(--dark);
  margin-bottom:13px;
  padding-bottom:8px;
  border-bottom:2px solid var(--light-bg);
  display:flex;align-items:center;gap:8px;
  font-family:'Montserrat',sans-serif;
}
.card-title .icon{
  width:22px;height:22px;
  background:linear-gradient(135deg,var(--gold),#a07510);
  border-radius:6px;
  display:flex;align-items:center;justify-content:center;
  font-size:.7rem;color:#fff;flex-shrink:0;
}

/* ── TWO-COL GRID ── */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
.three-col{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
@media(max-width:767px){.two-col,.three-col{grid-template-columns:1fr}}

/* ── RESULT HIGHLIGHT ── */
.result-highlight{
  background:linear-gradient(135deg,var(--dark),#2a2a00);
  border-radius:12px;padding:18px;margin-bottom:12px;
}
.result-highlight .label{
  font-size:.74rem;opacity:.7;margin-bottom:3px;
  text-transform:uppercase;letter-spacing:.5px;color:var(--gold);
}
.result-highlight .value{
  font-size:1.35rem;font-weight:800;
  font-family:'Montserrat',sans-serif;color:var(--gold);
}
.result-highlight .sub{font-size:.78rem;opacity:.65;margin-top:3px;color:#fff}
.result-highlight.green-rh{background:linear-gradient(135deg,var(--green),#006e32)}
.result-highlight.red-rh{background:linear-gradient(135deg,var(--red),#8b0020)}
.result-highlight.navy-rh{background:linear-gradient(135deg,var(--navy),#003580)}
.result-highlight.green-rh .label,
.result-highlight.red-rh .label,
.result-highlight.navy-rh .label{color:rgba(255,255,255,.8)}
.result-highlight.green-rh .value,
.result-highlight.red-rh .value,
.result-highlight.navy-rh .value{color:#fff}

/* ── RESULT GRID ── */
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:12px}
.result-grid.three{grid-template-columns:1fr 1fr 1fr}
@media(max-width:480px){.result-grid.three{grid-template-columns:1fr 1fr}}

/* ── RES BOX ── */
.res-box{
  background:var(--light-bg);
  border:1px solid var(--border);
  border-radius:10px;padding:11px;text-align:center;
}
.res-box .rb-label{
  font-size:.7rem;color:var(--muted);font-weight:600;
  text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px;
}
.res-box .rb-val{
  font-size:1.0rem;font-weight:700;
  color:var(--dark);font-family:'Montserrat',sans-serif;
}
.res-box .rb-sub{font-size:.69rem;color:var(--muted);margin-top:2px}

/* ── ALERTS ── */
.alert-warning{
  background:#fff8e1;border-left:4px solid var(--gold);
  border-radius:0 8px 8px 0;padding:11px 13px;
  font-size:.8rem;color:#5d4037;margin:9px 0;line-height:1.55;
}
.alert-success{
  background:#e8f5e9;border-left:4px solid var(--green);
  border-radius:0 8px 8px 0;padding:11px 13px;
  font-size:.8rem;color:#1b5e20;margin:9px 0;line-height:1.55;
}
.alert-info{
  background:#fffde7;border-left:4px solid var(--gold);
  border-radius:0 8px 8px 0;padding:11px 13px;
  font-size:.8rem;color:#333;margin:9px 0;line-height:1.55;
}
.alert-danger{
  background:#ffebee;border-left:4px solid var(--red);
  border-radius:0 8px 8px 0;padding:11px 13px;
  font-size:.8rem;color:#b71c1c;margin:9px 0;line-height:1.55;
}
.alert-danger strong,.alert-warning strong,
.alert-success strong,.alert-info strong{display:block;margin-bottom:3px}

/* ── DATA TABLE ── */
.data-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border)}
.data-table{width:100%;border-collapse:collapse;font-size:.78rem}
.data-table thead th{
  background:linear-gradient(135deg,#1A1A1A,#333);
  color:var(--gold);padding:9px 11px;
  text-align:left;font-family:'Montserrat',sans-serif;
  font-size:.72rem;white-space:nowrap;
}
.data-table tbody tr:nth-child(even){background:#fafaf5}
.data-table tbody tr:hover{background:#fff8e1}
.data-table td{padding:8px 11px;border-bottom:1px solid var(--border);vertical-align:top}
.td-gold{color:#856404;font-weight:700}
.td-green{color:var(--green);font-weight:600}
.td-red{color:var(--red);font-weight:600}
.td-bold{font-weight:700;color:var(--dark)}
.td-muted{color:var(--muted);font-size:.73rem}

/* ── TAG PILLS ── */
.tag-pill{
  display:inline-flex;align-items:center;gap:4px;
  padding:3px 9px;border-radius:12px;
  font-size:.7rem;font-weight:600;margin:2px;
}
.pill-gold{background:#fff8e1;color:#856404}
.pill-green{background:#e8f5e9;color:#1b5e20}
.pill-red{background:#ffebee;color:#b71c1c}
.pill-navy{background:#e8eaf6;color:#1a237e}
.pill-dark{background:#f5f5f5;color:#1a1a1a}
.pill-silver{background:#f5f5f5;color:#555}

/* ── DISCLAIMER ── */
.disclaimer{
  font-size:.72rem;color:var(--muted);margin-top:13px;
  line-height:1.5;padding:10px 12px;background:#f5f5f5;border-radius:8px;
}

/* ── SECTION DIVIDER ── */
.section-divider{border:none;border-top:2px dashed var(--border);margin:22px 0}

/* ── STEP CARD (numbered step system) ── */
.step-card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:14px;
  overflow:hidden;
  margin-bottom:16px;
  box-shadow:0 2px 12px rgba(0,0,0,.04);
}
.step-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 100%);
  padding:14px 20px;
  display:flex;align-items:center;gap:14px;
  border-bottom:2px solid var(--gold);
}
.step-num{
  width:36px;height:36px;flex-shrink:0;
  background:linear-gradient(135deg,var(--gold),#a07510);
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;
  font-size:.95rem;font-weight:800;color:#fff;
}
.step-meta{flex:1}
.step-title{
  font-family:'Montserrat',sans-serif;
  font-size:.95rem;font-weight:800;color:var(--gold);
  margin-bottom:2px;
}
.step-sub{font-size:.75rem;color:rgba(255,255,255,.6)}
.step-tab-badge{
  background:rgba(212,160,23,.18);
  border:1px solid rgba(212,160,23,.35);
  border-radius:8px;padding:4px 10px;
  font-size:.68rem;font-weight:700;
  color:var(--gold);white-space:nowrap;
  font-family:'Montserrat',sans-serif;
}
.step-body{padding:18px 20px}

/* ── INPUT → OUTPUT FLOW ── */
.flow-wrap{
  display:grid;
  grid-template-columns:1fr 36px 1fr;
  gap:10px;align-items:center;
  margin-bottom:14px;
}
@media(max-width:600px){
  .flow-wrap{grid-template-columns:1fr;gap:6px}
  .flow-arrow{transform:rotate(90deg);margin:0 auto}
}
.flow-box{
  background:var(--light-bg);
  border:1px solid var(--border);
  border-radius:10px;padding:12px 14px;
}
.flow-box-title{
  font-family:'Montserrat',sans-serif;
  font-size:.72rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.4px;
  margin-bottom:7px;
}
.flow-box.inputs .flow-box-title{color:var(--muted)}
.flow-box.outputs .flow-box-title{color:var(--gold)}
.flow-box.outputs{
  background:linear-gradient(135deg,#fffbef,#fff8e1);
  border-color:rgba(212,160,23,.3);
}
.flow-item{
  display:flex;align-items:center;gap:7px;
  font-size:.77rem;padding:4px 0;
  border-bottom:1px solid var(--border);
  color:var(--text);
}
.flow-item:last-child{border-bottom:none}
.flow-dot{
  width:7px;height:7px;border-radius:50%;flex-shrink:0;
}
.dot-input{background:var(--muted)}
.dot-output{background:var(--gold)}
.flow-arrow{
  width:36px;height:36px;
  background:linear-gradient(135deg,var(--gold),#a07510);
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1rem;color:#fff;flex-shrink:0;
  margin:0 auto;
}

/* ── MINI CALC EXAMPLE ── */
.mini-example{
  background:linear-gradient(135deg,#1A1A1A,#2d2d1a);
  border-radius:10px;padding:13px 15px;margin-top:11px;
}
.mini-example-title{
  font-family:'Montserrat',sans-serif;
  font-size:.72rem;font-weight:700;
  color:var(--gold);opacity:.8;
  text-transform:uppercase;letter-spacing:.4px;
  margin-bottom:9px;
}
.mini-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:5px 0;border-bottom:1px solid rgba(255,255,255,.06);
  font-size:.77rem;
}
.mini-row:last-child{
  border-bottom:none;padding-top:8px;
  font-weight:700;
}
.mini-label{color:rgba(255,255,255,.65)}
.mini-val{color:var(--gold);font-weight:600;font-family:'Montserrat',sans-serif}
.mini-val.white{color:#fff}
.mini-val.green{color:#69f0ae}
.mini-val.red{color:#ff8a80}

/* ── CTA STRIP ── */
.cta-strip{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  border-radius:12px;padding:20px 24px;
  color:#fff;border:1px solid rgba(212,160,23,.3);
  display:flex;align-items:center;justify-content:space-between;
  gap:18px;flex-wrap:wrap;margin-top:18px;
}
.cta-strip h4{font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.cta-strip p{font-size:.78rem;opacity:.75}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{
  padding:9px 18px;border-radius:8px;
  font-family:'Montserrat',sans-serif;
  font-size:.78rem;font-weight:700;
  border:2px solid transparent;
  text-decoration:none;cursor:pointer;
  display:inline-flex;align-items:center;gap:5px;
  white-space:nowrap;
}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}

/* ── WEIGHT UNIT GRID ── */
.unit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin:10px 0}
@media(max-width:540px){.unit-grid{grid-template-columns:repeat(2,1fr)}}
.unit-box{
  background:var(--light-bg);border:1px solid var(--border);
  border-radius:8px;padding:8px;text-align:center;
}
.unit-name{font-size:.73rem;font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif}
.unit-val{font-size:.68rem;color:var(--muted);margin-top:2px}

/* ── TAX COMPARE GRID ── */
.tax-compare{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:10px 0}
@media(max-width:480px){.tax-compare{grid-template-columns:1fr}}
.tax-box{border-radius:10px;padding:12px;text-align:center}
.tax-box.bad{background:linear-gradient(135deg,#ffebee,#ffcdd2);border:1px solid #f5c6cb}
.tax-box.good{background:linear-gradient(135deg,#e8f5e9,#c8e6c9);border:1px solid #a5d6a7}
.tax-box-label{font-size:.7rem;font-weight:700;font-family:'Montserrat',sans-serif;margin-bottom:5px}
.tax-box.bad .tax-box-label{color:var(--red)}
.tax-box.good .tax-box-label{color:var(--green)}
.tax-box-val{font-size:1.1rem;font-weight:800;font-family:'Montserrat',sans-serif}
.tax-box.bad .tax-box-val{color:var(--red)}
.tax-box.good .tax-box-val{color:var(--green)}
.tax-box-sub{font-size:.68rem;color:var(--muted);margin-top:3px}

/* ── RATIO SIGNAL ── */
.ratio-display{
  background:linear-gradient(135deg,#1A1A1A,#2d2d1a);
  border-radius:12px;padding:16px;text-align:center;margin:10px 0;
}
.ratio-big{
  font-size:2.2rem;font-weight:800;
  font-family:'Montserrat',sans-serif;color:var(--gold);
}
.ratio-signal{
  display:inline-block;margin-top:6px;
  padding:4px 14px;border-radius:20px;
  font-size:.75rem;font-weight:700;
  font-family:'Montserrat',sans-serif;
}
.rs-neutral{background:rgba(212,160,23,.2);color:var(--gold)}
.rs-gold-underval{background:rgba(0,132,61,.2);color:#69f0ae}
.rs-silver-underval{background:rgba(168,169,173,.2);color:#ddd}

/* ── IRA COST TABLE ── */
.ira-stack{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin:10px 0}
.ira-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:8px 13px;border-bottom:1px solid var(--border);font-size:.8rem;
}
.ira-row:last-child{
  border-bottom:none;font-weight:700;
  background:linear-gradient(135deg,#fffbef,#fff8e1);
}
.ira-row.cost{background:#fff8e1}
.ira-label{color:var(--text)}
.ira-val{font-weight:600;font-family:'Montserrat',sans-serif;color:var(--dark)}
.ira-val.gold{color:#856404}
.ira-val.red{color:var(--red)}

/* ── CHECKLIST ── */
.checklist{list-style:none;padding:0;margin:10px 0}
.checklist li{
  font-size:.79rem;padding:6px 0 6px 24px;
  border-bottom:1px solid var(--border);
  position:relative;line-height:1.5;
  color:var(--text);
}
.checklist li:last-child{border-bottom:none}
.checklist li::before{
  position:absolute;left:0;top:6px;font-size:.8rem;
}
.checklist.do li::before{content:"✅"}
.checklist.watch li::before{content:"⚠️"}
.checklist.gold li::before{content:"🥇"}
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}

/* ── SECTION HEADER ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;text-align:center;
}
.section-header h2{font-size:clamp(1.1rem,3vw,1.6rem);font-weight:800;color:var(--gold);margin-bottom:7px}
.section-header p{font-size:.85rem;opacity:.82;max-width:720px;margin:0 auto 13px;line-height:1.65}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);border-radius:20px;padding:4px 12px;font-size:.71rem;font-weight:600;color:var(--gold)}

/* ── STATS BAR ── */
.stats-row{display:grid;grid-template-columns:repeat(6,1fr);background:var(--dark);border-bottom:2px solid #2a2a2a;margin-bottom:22px}
.stat-box{padding:12px 8px;text-align:center;border-right:1px solid #333}
.stat-box:last-child{border-right:none}
.stat-num{font-size:1.2rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.stat-lbl{font-size:.63rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}
@media(max-width:600px){.stats-row{grid-template-columns:repeat(3,1fr)}.stat-box:nth-child(4),.stat-box:nth-child(5),.stat-box:nth-child(6){border-top:1px solid #333}}

/* ── CATEGORY HEADER ── */
.cat-header{
  background:linear-gradient(135deg,#1A1A1A,#2d2d1a);
  border:1px solid rgba(212,160,23,.3);
  border-radius:12px;padding:16px 20px;margin:24px 0 14px;
  display:flex;align-items:center;gap:14px;
}
.cat-emoji{font-size:1.8rem;flex-shrink:0}
.cat-info{flex:1}
.cat-title{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.cat-desc{font-size:.78rem;color:rgba(255,255,255,.6);line-height:1.55}
.cat-pill{margin-left:auto;background:rgba(212,160,23,.15);border:1px solid rgba(212,160,23,.35);border-radius:14px;padding:5px 14px;font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--gold);white-space:nowrap;flex-shrink:0}

/* ── TIP GRID ── */
.tip-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:8px}
@media(max-width:768px){.tip-grid{grid-template-columns:1fr}}
.tip-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px;margin-bottom:8px}
@media(max-width:900px){.tip-grid-3{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.tip-grid-3{grid-template-columns:1fr}}

/* ── TIP CARD ── */
.tip-card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:14px;padding:18px;
  display:flex;flex-direction:column;gap:10px;
  transition:border-color .18s, box-shadow .18s, transform .18s;
  position:relative;overflow:hidden;
}
.tip-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--gold),#a07510);
}
.tip-card:hover{border-color:rgba(212,160,23,.4);box-shadow:0 6px 22px rgba(212,160,23,.12);transform:translateY(-2px)}

/* tip number badge */
.tip-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:32px;height:32px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold),#a07510);
  font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:800;color:#fff;
  flex-shrink:0;
}
.tip-header{display:flex;align-items:flex-start;gap:11px}
.tip-meta{flex:1}
.tip-title{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:800;color:var(--dark);line-height:1.3;margin-bottom:4px}
.tip-impact{display:inline-flex;align-items:center;gap:4px;font-size:.67rem;font-weight:700;font-family:'Montserrat',sans-serif;padding:2px 9px;border-radius:8px}
.impact-high{background:#fff8e1;color:#856404;border:1px solid #fcd34d}
.impact-med{background:#e8f5e9;color:#1b5e20;border:1px solid #a5d6a7}
.impact-critical{background:#ffebee;color:#b71c1c;border:1px solid #ef9a9a}
.tip-body{font-size:.79rem;line-height:1.7;color:var(--text)}
.tip-body strong{color:var(--dark);font-weight:600}

/* action box */
.action-box{background:#fff8e1;border:1px solid rgba(212,160,23,.3);border-radius:8px;padding:9px 12px}
.action-box-title{font-size:.7rem;font-weight:700;color:#856404;font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}
.action-box p{font-size:.77rem;color:#5d4037;line-height:1.5}

/* savings box */
.savings-box{background:linear-gradient(135deg,#1A1A1A,#2d2d1a);border:1px solid rgba(212,160,23,.25);border-radius:8px;padding:9px 14px;display:flex;align-items:center;justify-content:space-between;gap:10px}
.sb-label{font-size:.71rem;color:rgba(255,255,255,.55)}
.sb-value{font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:800;color:var(--gold)}

/* warning box */
.warn-box{background:#fff8f8;border:1px solid #f5c6c6;border-radius:8px;padding:9px 12px}
.warn-box-title{font-size:.7rem;font-weight:700;color:var(--red);font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}
.warn-box p{font-size:.77rem;color:#7f1d1d;line-height:1.5}

/* formula box */
.formula-box{background:#f0f4ff;border:1px solid #c7d7fd;border-radius:8px;padding:9px 12px}
.formula-box-title{font-size:.7rem;font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.3px;margin-bottom:4px}
.formula-box code{font-size:.76rem;color:var(--navy);font-family:'Courier New',Courier,monospace;line-height:1.6;display:block}

/* checklist inside card */
.tip-checklist{list-style:none;padding:0;margin:2px 0}
.tip-checklist li{font-size:.77rem;padding:4px 0 4px 20px;position:relative;color:var(--text);line-height:1.5;border-bottom:1px solid var(--border)}
.tip-checklist li:last-child{border-bottom:none}
.tip-checklist li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700;font-size:.8rem}
.tip-checklist.red li::before{content:"✗";color:var(--red)}

/* wide tip (full width) */
.tip-wide{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 100%);
  border:1px solid rgba(212,160,23,.3);
  border-radius:14px;padding:20px 22px;margin:8px 0 14px;
  display:flex;flex-direction:column;gap:12px;
}
.tw-header{display:flex;align-items:flex-start;gap:14px}
.tw-num{
  width:38px;height:38px;border-radius:50%;
  background:linear-gradient(135deg,var(--gold),#a07510);
  display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;color:#fff;flex-shrink:0;
}
.tw-meta{flex:1}
.tw-title{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.tw-desc{font-size:.8rem;color:rgba(255,255,255,.7);line-height:1.65}
.tw-body{font-size:.79rem;color:rgba(255,255,255,.65);line-height:1.7}
.tw-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:4px}
@media(max-width:640px){.tw-grid{grid-template-columns:1fr}}
.tw-col{background:rgba(212,160,23,.08);border:1px solid rgba(212,160,23,.2);border-radius:9px;padding:11px 13px}
.tw-col-title{font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:800;color:var(--gold);margin-bottom:5px}
.tw-col p{font-size:.76rem;color:rgba(255,255,255,.6);line-height:1.55}

/* comparison table inside card */
.comp-table{width:100%;border-collapse:collapse;font-size:.76rem;margin-top:4px}
.comp-table th{background:rgba(212,160,23,.15);color:var(--gold);padding:7px 10px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.7rem}
.comp-table td{padding:7px 10px;border-bottom:1px solid var(--border);vertical-align:middle}
.comp-table tr:last-child td{border-bottom:none}
.comp-table tr:nth-child(even) td{background:#fafaf5}
.td-good{color:var(--green);font-weight:700}
.td-bad{color:var(--red);font-weight:700}
.td-bold{font-weight:700}

/* quick ref table */
.qr-table-wrap{overflow-x:auto;border-radius:12px;border:1px solid var(--border);margin:10px 0}
.qr-table{width:100%;border-collapse:collapse;font-size:.76rem}
.qr-table thead th{background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);padding:9px 12px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.71rem;white-space:nowrap}
.qr-table tbody tr:nth-child(even){background:#fafaf5}
.qr-table tbody tr:hover{background:#fff8e1}
.qr-table td{padding:8px 12px;border-bottom:1px solid var(--border);vertical-align:middle}
.qr-gold{color:#856404;font-weight:700}
.qr-green{color:var(--green);font-weight:700}
.qr-red{color:var(--red);font-weight:700}
.qr-bold{font-weight:700;color:var(--dark)}

/* alerts */
.alert-gold{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#5d4037;margin:14px 0;line-height:1.55}
.alert-gold strong{display:block;margin-bottom:3px}
.alert-green{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#1b5e20;margin:14px 0;line-height:1.55}
.alert-green strong{display:block;margin-bottom:3px}

/* cta strip */
.cta-strip{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);border-radius:12px;padding:20px 24px;color:#fff;border:1px solid rgba(212,160,23,.3);display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;margin-top:22px}
.cta-strip h4{font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:3px}
.cta-strip p{font-size:.77rem;opacity:.72}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{padding:9px 18px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.77rem;font-weight:700;border:2px solid transparent;text-decoration:none;cursor:pointer;display:inline-flex;align-items:center;gap:5px;white-space:nowrap}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}
hr.divider{border:none;border-top:2px dashed var(--border);margin:22px 0}
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;--whatsapp:#25D366;
  --platinum:#E5E4E2;--palladium:#CED0DD;--copper:#B87333;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}

/* ── SECTION HEADER ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;text-align:center;
}
.section-header h2{font-size:clamp(1.1rem,3vw,1.6rem);font-weight:800;color:var(--gold);margin-bottom:7px}
.section-header p{font-size:.85rem;opacity:.85;max-width:700px;margin:0 auto 13px;line-height:1.65}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);border-radius:20px;padding:4px 12px;font-size:.71rem;font-weight:600;color:var(--gold)}

/* ── STATS BAR ── */
.stats-row{display:grid;grid-template-columns:repeat(5,1fr);background:var(--dark);border-bottom:2px solid #2a2a2a;margin-bottom:20px}
.stat-box{padding:13px 10px;text-align:center;border-right:1px solid #333}
.stat-box:last-child{border-right:none}
.stat-num{font-size:1.25rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.stat-lbl{font-size:.65rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}
@media(max-width:540px){.stats-row{grid-template-columns:repeat(3,1fr)}.stat-box:nth-child(4),.stat-box:nth-child(5){border-top:1px solid #333}}

/* ── CASE CARD ── */
.case-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;overflow:hidden;margin-bottom:22px;box-shadow:0 3px 16px rgba(0,0,0,.05)}
.case-header{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 100%);padding:16px 20px;display:flex;align-items:center;gap:14px;border-bottom:2px solid var(--gold)}
.case-num{width:40px;height:40px;flex-shrink:0;background:linear-gradient(135deg,var(--gold),#a07510);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-size:1rem;font-weight:800;color:#fff}
.case-meta{flex:1}
.case-title{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--gold);margin-bottom:2px}
.case-sub{font-size:.75rem;color:rgba(255,255,255,.58)}
.case-tab-badge{background:rgba(212,160,23,.18);border:1px solid rgba(212,160,23,.35);border-radius:8px;padding:5px 12px;font-size:.69rem;font-weight:700;color:var(--gold);white-space:nowrap;font-family:'Montserrat',sans-serif;flex-shrink:0}
.case-body{padding:20px}

/* ── PROFILE CARD ── */
.profile-bar{display:flex;align-items:center;gap:14px;background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:12px 16px;margin-bottom:16px;flex-wrap:wrap;gap:10px}
.profile-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--gold),#a07510);display:flex;align-items:center;justify-content:center;font-size:1.3rem;flex-shrink:0}
.profile-info{flex:1;min-width:120px}
.profile-name{font-family:'Montserrat',sans-serif;font-size:.85rem;font-weight:800;color:var(--dark)}
.profile-loc{font-size:.73rem;color:var(--muted);margin-top:1px}
.profile-tags{display:flex;flex-wrap:wrap;gap:5px;margin-left:auto}

/* ── TWO-COL ── */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start}
.three-col{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
@media(max-width:767px){.two-col,.three-col{grid-template-columns:1fr}}

/* ── SECTION LABEL ── */
.section-label{font-family:'Montserrat',sans-serif;font-size:.79rem;font-weight:700;color:var(--dark);text-transform:uppercase;letter-spacing:.5px;margin:14px 0 9px;padding-bottom:5px;border-bottom:2px solid var(--light-bg)}

/* ── INPUT BOX ── */
.input-block{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:13px 15px}
.input-block-title{font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:9px}
.input-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--border);font-size:.79rem}
.input-row:last-child{border-bottom:none}
.inp-label{color:var(--muted)}
.inp-val{font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif}

/* ── RESULT STACK (dark) ── */
.result-stack{background:linear-gradient(135deg,#1A1A1A,#2d2d1a);border-radius:10px;padding:13px 15px}
.result-stack-title{font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--gold);opacity:.8;text-transform:uppercase;letter-spacing:.4px;margin-bottom:9px}
.rs-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0;border-bottom:1px solid rgba(255,255,255,.07);font-size:.8rem}
.rs-row:last-child{border-bottom:none;padding-top:9px;margin-top:3px}
.rs-label{color:rgba(255,255,255,.6)}
.rs-val{font-weight:700;font-family:'Montserrat',sans-serif}
.rv-gold{color:var(--gold)}
.rv-white{color:#fff}
.rv-green{color:#69f0ae}
.rv-red{color:#ff8a80}
.rv-silver{color:#d0d0d0}

/* ── RESULT GRID ── */
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin:12px 0}
.result-grid.three{grid-template-columns:1fr 1fr 1fr}
.result-grid.four{grid-template-columns:1fr 1fr 1fr 1fr}
@media(max-width:520px){.result-grid.three,.result-grid.four{grid-template-columns:1fr 1fr}}
.res-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:11px;text-align:center}
.res-box .rb-label{font-size:.68rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.res-box .rb-val{font-size:.95rem;font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif}
.res-box .rb-sub{font-size:.67rem;color:var(--muted);margin-top:2px}
.res-box.gold-box{background:linear-gradient(135deg,#fffbef,#fff8e1);border-color:rgba(212,160,23,.35)}
.res-box.gold-box .rb-val{color:#856404}
.res-box.green-box{background:#e8f5e9;border-color:#a5d6a7}
.res-box.green-box .rb-val{color:var(--green)}
.res-box.red-box{background:#ffebee;border-color:#f5c6cb}
.res-box.red-box .rb-val{color:var(--red)}

/* ── RESULT HIGHLIGHT ── */
.result-highlight{background:linear-gradient(135deg,var(--dark),#2a2a00);border-radius:12px;padding:16px;margin-bottom:12px}
.result-highlight .label{font-size:.72rem;opacity:.7;margin-bottom:3px;text-transform:uppercase;letter-spacing:.5px;color:var(--gold)}
.result-highlight .value{font-size:1.3rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.result-highlight .sub{font-size:.76rem;opacity:.65;margin-top:4px;color:#fff;line-height:1.5}
.result-highlight.green-rh{background:linear-gradient(135deg,var(--green),#006e32)}
.result-highlight.red-rh{background:linear-gradient(135deg,var(--red),#8b0020)}
.result-highlight.navy-rh{background:linear-gradient(135deg,var(--navy),#003580)}
.result-highlight.green-rh .label,.result-highlight.red-rh .label,.result-highlight.navy-rh .label{color:rgba(255,255,255,.8)}
.result-highlight.green-rh .value,.result-highlight.red-rh .value,.result-highlight.navy-rh .value{color:#fff}

/* ── ALERTS ── */
.alert-warning{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#5d4037;margin:10px 0;line-height:1.55}
.alert-success{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#1b5e20;margin:10px 0;line-height:1.55}
.alert-info{background:#fffde7;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#333;margin:10px 0;line-height:1.55}
.alert-danger{background:#ffebee;border-left:4px solid var(--red);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#b71c1c;margin:10px 0;line-height:1.55}
.alert-danger strong,.alert-warning strong,.alert-success strong,.alert-info strong{display:block;margin-bottom:3px}

/* ── DATA TABLE ── */
.data-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border);margin:10px 0}
.data-table{width:100%;border-collapse:collapse;font-size:.77rem}
.data-table thead th{background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);padding:9px 11px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.71rem;white-space:nowrap}
.data-table tbody tr:nth-child(even){background:#fafaf5}
.data-table tbody tr:hover{background:#fff8e1}
.data-table td{padding:8px 11px;border-bottom:1px solid var(--border);vertical-align:middle}
.td-gold{color:#856404;font-weight:700}
.td-green{color:var(--green);font-weight:600}
.td-red{color:var(--red);font-weight:600}
.td-bold{font-weight:700;color:var(--dark)}
.td-muted{color:var(--muted);font-size:.71rem}

/* ── LESSON BOX ── */
.lesson-box{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 100%);border-radius:10px;padding:14px 16px;margin-top:14px;border-left:3px solid var(--gold)}
.lesson-title{font-family:'Montserrat',sans-serif;font-size:.75rem;font-weight:800;color:var(--gold);text-transform:uppercase;letter-spacing:.4px;margin-bottom:6px}
.lesson-text{font-size:.79rem;color:rgba(255,255,255,.78);line-height:1.65}

/* ── TAG PILLS ── */
.tag-pill{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:12px;font-size:.7rem;font-weight:600;margin:2px}
.pill-gold{background:#fff8e1;color:#856404}
.pill-green{background:#e8f5e9;color:#1b5e20}
.pill-red{background:#ffebee;color:#b71c1c}
.pill-navy{background:#e8eaf6;color:#1a237e}
.pill-dark{background:#f5f5f5;color:#1a1a1a}
.pill-silver{background:#f5f5f5;color:#555}

/* ── IRA STACK ── */
.ira-stack{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin:10px 0}
.ira-row{display:flex;justify-content:space-between;align-items:center;padding:8px 13px;border-bottom:1px solid var(--border);font-size:.79rem}
.ira-row:last-child{border-bottom:none;font-weight:700;background:linear-gradient(135deg,#fffbef,#fff8e1)}
.ira-row.cost{background:#fff8e1}
.ira-label{color:var(--text)}
.ira-val{font-weight:600;font-family:'Montserrat',sans-serif}
.ira-val.gold{color:#856404}
.ira-val.red{color:var(--red)}
.ira-val.green{color:var(--green)}

/* ── CTA STRIP ── */
.cta-strip{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);border-radius:12px;padding:20px 24px;color:#fff;border:1px solid rgba(212,160,23,.3);display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;margin-top:20px}
.cta-strip h4{font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.cta-strip p{font-size:.78rem;opacity:.75}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{padding:9px 18px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:700;border:2px solid transparent;text-decoration:none;cursor:pointer;display:inline-flex;align-items:center;gap:5px;white-space:nowrap}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}
.section-divider{border:none;border-top:2px dashed var(--border);margin:22px 0}
.disclaimer{font-size:.72rem;color:var(--muted);margin-top:13px;line-height:1.5;padding:10px 12px;background:#f5f5f5;border-radius:8px}
/* ── ROOT TOKENS (exact match to calculator) ── */
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;--whatsapp:#25D366;
  --platinum:#E5E4E2;--palladium:#CED0DD;--copper:#B87333;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}

/* ── LAYOUT ── */
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
@media(max-width:767px){.two-col{grid-template-columns:1fr}}

/* ── SECTION HEADER ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;text-align:center;
}
.section-header h2{
  font-size:clamp(1.1rem,3vw,1.6rem);font-weight:800;
  color:var(--gold);margin-bottom:7px;
}
.section-header p{
  font-size:.85rem;opacity:.85;max-width:700px;
  margin:0 auto 13px;line-height:1.65;
}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{
  background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);
  border-radius:20px;padding:4px 12px;
  font-size:.71rem;font-weight:600;color:var(--gold);
}

/* ── STATS BAR ── */
.stats-row{
  display:grid;grid-template-columns:repeat(5,1fr);
  background:var(--dark);border-bottom:2px solid #2a2a2a;
  margin-bottom:20px;
}
.stat-box{padding:13px 10px;text-align:center;border-right:1px solid #333}
.stat-box:last-child{border-right:none}
.stat-num{font-size:1.25rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.stat-lbl{font-size:.65rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}

/* ── CATEGORY LABEL ── */
.cat-label{
  display:flex;align-items:center;gap:10px;
  font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;
  color:var(--dark);text-transform:uppercase;letter-spacing:.4px;
  margin:20px 0 10px;padding-bottom:8px;
  border-bottom:2px solid var(--gold);
}
.cat-icon{
  width:26px;height:26px;
  background:linear-gradient(135deg,var(--gold),#a07510);
  border-radius:7px;display:flex;align-items:center;
  justify-content:center;font-size:.8rem;flex-shrink:0;
}

/* ── FAQ ACCORDION ── */
.faq-wrap{display:grid;gap:10px}
.faq-item{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:12px;overflow:hidden;
  transition:border-color .2s, box-shadow .2s;
}
.faq-item.open{
  border-color:rgba(212,160,23,.5);
  box-shadow:0 4px 18px rgba(212,160,23,.10);
}
.faq-q{
  width:100%;border:none;background:transparent;
  padding:14px 16px;text-align:left;
  display:flex;align-items:center;
  justify-content:space-between;gap:12px;
  cursor:pointer;font:inherit;
  transition:background .15s;
}
.faq-q:hover{background:#fffbf0}
.faq-item.open .faq-q{background:#fffbf0}
.faq-left{display:flex;align-items:flex-start;gap:11px;flex:1;min-width:0}
.faq-num{
  width:28px;height:28px;border-radius:50%;flex-shrink:0;
  background:linear-gradient(135deg,var(--gold),#a07510);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-family:'Montserrat',sans-serif;font-size:.74rem;font-weight:800;
  margin-top:1px;
}
.faq-item.open .faq-num{background:linear-gradient(135deg,#a07510,#7a5a00)}
.faq-title{
  font-family:'Montserrat',sans-serif;font-size:.86rem;font-weight:700;
  color:var(--text);line-height:1.4;
}
.faq-item.open .faq-title{color:#856404}
.faq-icon{
  font-size:.85rem;color:var(--gold);
  transition:transform .22s;flex-shrink:0;margin-top:2px;
  width:20px;text-align:center;
}
.faq-item.open .faq-icon{transform:rotate(180deg)}

/* ── FAQ ANSWER PANEL ── */
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:600px}
.faq-inner{padding:0 16px 0 55px;background:#fffbf0}
.faq-item.open .faq-inner{padding:2px 16px 16px 55px}
.faq-inner p{
  font-size:.79rem;line-height:1.7;
  color:var(--text);margin-bottom:9px;margin-top:6px;
}
.faq-inner p:last-of-type{margin-bottom:0}

/* ── ALERTS (gold-themed) ── */
.alert-warning{
  background:#fff8e1;border-left:4px solid var(--gold);
  border-radius:0 8px 8px 0;padding:10px 12px;
  font-size:.78rem;color:#5d4037;margin:9px 0;line-height:1.55;
}
.alert-success{
  background:#e8f5e9;border-left:4px solid var(--green);
  border-radius:0 8px 8px 0;padding:10px 12px;
  font-size:.78rem;color:#1b5e20;margin:9px 0;line-height:1.55;
}
.alert-info{
  background:#fffde7;border-left:4px solid var(--gold);
  border-radius:0 8px 8px 0;padding:10px 12px;
  font-size:.78rem;color:#333;margin:9px 0;line-height:1.55;
}
.alert-danger{
  background:#ffebee;border-left:4px solid var(--red);
  border-radius:0 8px 8px 0;padding:10px 12px;
  font-size:.78rem;color:#b71c1c;margin:9px 0;line-height:1.55;
}
.alert-danger strong,.alert-warning strong,
.alert-success strong,.alert-info strong{display:block;margin-bottom:3px}

/* ── MINI STACK (inside FAQ answers) ── */
.mini-stack{
  background:linear-gradient(135deg,#1A1A1A,#2d2d1a);
  border-radius:9px;padding:11px 13px;margin:9px 0;
}
.mini-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:5px 0;border-bottom:1px solid rgba(255,255,255,.07);
  font-size:.76rem;
}
.mini-row:last-child{border-bottom:none;font-weight:700}
.mini-label{color:rgba(255,255,255,.6)}
.mini-val{color:var(--gold);font-weight:600;font-family:'Montserrat',sans-serif}
.mini-val.wh{color:#fff}
.mini-val.gn{color:#69f0ae}
.mini-val.rd{color:#ff8a80}

/* ── RESULT GRID (small, inside answers) ── */
.faq-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin:9px 0}
@media(max-width:500px){.faq-grid{grid-template-columns:1fr 1fr}}
.faq-rbox{
  background:var(--light-bg);border:1px solid var(--border);
  border-radius:9px;padding:9px;text-align:center;
}
.faq-rbox .rl{font-size:.67rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.3px;margin-bottom:3px}
.faq-rbox .rv{font-size:.9rem;font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif}

/* ── TAG PILLS ── */
.tag-pill{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:12px;font-size:.7rem;font-weight:600;margin:2px}
.pill-gold{background:#fff8e1;color:#856404}
.pill-green{background:#e8f5e9;color:#1b5e20}
.pill-red{background:#ffebee;color:#b71c1c}
.pill-dark{background:#f5f5f5;color:#1a1a1a}

/* ── DATA TABLE (mini, inside answer) ── */
.mini-table-wrap{overflow-x:auto;border-radius:9px;border:1px solid var(--border);margin:9px 0}
.mini-table{width:100%;border-collapse:collapse;font-size:.76rem}
.mini-table thead th{
  background:linear-gradient(135deg,#1A1A1A,#333);
  color:var(--gold);padding:8px 10px;
  font-family:'Montserrat',sans-serif;font-size:.69rem;
  text-align:left;white-space:nowrap;
}
.mini-table tbody tr:nth-child(even){background:#fafaf5}
.mini-table tbody tr:hover{background:#fff8e1}
.mini-table td{padding:7px 10px;border-bottom:1px solid var(--border)}
.td-gold{color:#856404;font-weight:700}
.td-green{color:var(--green);font-weight:600}
.td-red{color:var(--red);font-weight:600}
.td-bold{font-weight:700;color:var(--dark)}
.td-muted{color:var(--muted);font-size:.71rem}

/* ── SEARCH HINT ── */
.search-hint{
  font-size:.75rem;color:var(--muted);
  text-align:center;margin:-8px 0 14px;
}

/* ── CTA STRIP ── */
.cta-strip{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  border-radius:12px;padding:20px 24px;color:#fff;
  border:1px solid rgba(212,160,23,.3);
  display:flex;align-items:center;justify-content:space-between;
  gap:18px;flex-wrap:wrap;margin-top:20px;
}
.cta-strip h4{font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.cta-strip p{font-size:.78rem;opacity:.75}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{
  padding:9px 18px;border-radius:8px;
  font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:700;
  border:2px solid transparent;text-decoration:none;cursor:pointer;
  display:inline-flex;align-items:center;gap:5px;white-space:nowrap;
}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}

/* ── DISCLAIMER ── */
.disclaimer{
  font-size:.72rem;color:var(--muted);margin-top:13px;
  line-height:1.5;padding:10px 12px;background:#f5f5f5;border-radius:8px;
}
.section-divider{border:none;border-top:2px dashed var(--border);margin:20px 0}

/* ── MOBILE ── */
@media(max-width:540px){
  .faq-inner{padding:0 12px 0 14px}
  .faq-item.open .faq-inner{padding:2px 12px 14px 14px}
  .faq-num{display:none}
  .faq-left{gap:0}
  .stats-row{grid-template-columns:repeat(3,1fr)}
  .stat-box:nth-child(4),.stat-box:nth-child(5){border-top:1px solid #333}
}
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}

/* ── SECTION HEADER ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;text-align:center;
}
.section-header h2{font-size:clamp(1.1rem,3vw,1.6rem);font-weight:800;color:var(--gold);margin-bottom:7px}
.section-header p{font-size:.85rem;opacity:.85;max-width:700px;margin:0 auto 13px;line-height:1.65}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);border-radius:20px;padding:4px 12px;font-size:.71rem;font-weight:600;color:var(--gold)}

/* ── STATS BAR ── */
.stats-row{display:grid;grid-template-columns:repeat(5,1fr);background:var(--dark);border-bottom:2px solid #2a2a2a;margin-bottom:22px}
.stat-box{padding:13px 10px;text-align:center;border-right:1px solid #333}
.stat-box:last-child{border-right:none}
.stat-num{font-size:1.25rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.stat-lbl{font-size:.65rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}
@media(max-width:540px){.stats-row{grid-template-columns:repeat(3,1fr)}.stat-box:nth-child(4),.stat-box:nth-child(5){border-top:1px solid #333}}

/* ── CATEGORY LABEL ── */
.cat-label{
  display:flex;align-items:center;gap:10px;
  font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;
  color:var(--dark);text-transform:uppercase;letter-spacing:.4px;
  margin:22px 0 12px;padding-bottom:8px;
  border-bottom:2px solid var(--gold);
}
.cat-icon{width:26px;height:26px;background:linear-gradient(135deg,var(--gold),#a07510);border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.8rem;flex-shrink:0}
.cat-count{margin-left:auto;background:#fff8e1;color:#856404;font-size:.69rem;font-weight:700;padding:3px 9px;border-radius:12px;font-family:'Montserrat',sans-serif}

/* ── FEATURED SPOTLIGHT (top 3 hero cards) ── */
.featured-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:6px}
@media(max-width:767px){.featured-grid{grid-template-columns:1fr}}
.featured-card{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 100%);
  border:1px solid rgba(212,160,23,.35);
  border-radius:14px;padding:20px;
  display:flex;flex-direction:column;gap:10px;
  transition:transform .18s, box-shadow .18s;
  text-decoration:none;
}
.featured-card:hover{transform:translateY(-3px);box-shadow:0 8px 28px rgba(212,160,23,.18)}
.fc-icon{font-size:1.8rem;margin-bottom:2px}
.fc-badge{display:inline-block;background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.35);border-radius:10px;padding:3px 10px;font-size:.67rem;font-weight:700;color:var(--gold);font-family:'Montserrat',sans-serif;margin-bottom:4px}
.fc-title{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:800;color:var(--gold);line-height:1.3;margin-bottom:3px}
.fc-desc{font-size:.76rem;color:rgba(255,255,255,.65);line-height:1.6;flex:1}
.fc-use{font-size:.73rem;color:rgba(255,255,255,.45);margin-top:4px;line-height:1.5;font-style:italic}
.fc-btn{display:inline-flex;align-items:center;gap:6px;margin-top:8px;background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;font-family:'Montserrat',sans-serif;font-size:.74rem;font-weight:700;padding:8px 14px;border-radius:8px;text-decoration:none;width:fit-content;transition:opacity .15s}
.fc-btn:hover{opacity:.88}

/* ── STANDARD CALC GRID ── */
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:4px}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.calc-grid{grid-template-columns:1fr}}

/* ── STANDARD CALC CARD ── */
.calc-card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:12px;padding:15px;
  display:flex;flex-direction:column;gap:8px;
  transition:border-color .18s, box-shadow .18s, transform .18s;
}
.calc-card:hover{border-color:rgba(212,160,23,.45);box-shadow:0 4px 16px rgba(212,160,23,.10);transform:translateY(-2px)}
.cc-top{display:flex;align-items:flex-start;gap:10px}
.cc-icon{width:36px;height:36px;border-radius:10px;background:linear-gradient(135deg,var(--gold),#a07510);display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.cc-meta{flex:1;min-width:0}
.cc-title{font-family:'Montserrat',sans-serif;font-size:.81rem;font-weight:800;color:var(--dark);line-height:1.3;margin-bottom:3px}
.cc-cat{font-size:.67rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.3px}
.cc-desc{font-size:.75rem;color:var(--muted);line-height:1.55;flex:1}
.cc-use{font-size:.72rem;color:#856404;background:#fff8e1;border-radius:6px;padding:5px 8px;line-height:1.45}
.cc-use strong{display:block;margin-bottom:2px;font-size:.7rem;color:#5a3e00}
.cc-link{display:inline-flex;align-items:center;gap:5px;font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--gold);text-decoration:none;margin-top:2px}
.cc-link:hover{text-decoration:underline}
.cc-link::after{content:"→"}

/* ── TWO-COL WIDE ── */
.two-col-wide{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:640px){.two-col-wide{grid-template-columns:1fr}}

/* ── LOAN CARD (minimal, 2-col) ── */
.loan-card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:12px;padding:15px;
  display:flex;align-items:flex-start;gap:12px;
  transition:border-color .18s, box-shadow .18s;
}
.loan-card:hover{border-color:rgba(212,160,23,.4);box-shadow:0 4px 14px rgba(212,160,23,.09)}
.lc-icon{width:40px;height:40px;border-radius:10px;background:linear-gradient(135deg,var(--gold),#a07510);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.lc-body{flex:1}
.lc-title{font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;color:var(--dark);margin-bottom:3px}
.lc-desc{font-size:.75rem;color:var(--muted);line-height:1.5;margin-bottom:6px}
.lc-link{display:inline-flex;align-items:center;gap:5px;font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--gold);text-decoration:none}
.lc-link:hover{text-decoration:underline}
.lc-link::after{content:"→"}

/* ── ALERTS ── */
.alert-info{background:#fffde7;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#333;margin:12px 0;line-height:1.55}
.alert-info strong{display:block;margin-bottom:3px}
.alert-success{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#1b5e20;margin:12px 0;line-height:1.55}
.alert-success strong{display:block;margin-bottom:3px}

/* ── SECTION DIVIDER ── */
.section-divider{border:none;border-top:2px dashed var(--border);margin:22px 0}

/* ── ALL CALCULATORS BANNER ── */
.all-calcs-banner{
  background:var(--card-bg);border:1px solid var(--border);
  border-radius:12px;padding:18px 20px;
  display:flex;align-items:center;justify-content:space-between;
  gap:14px;flex-wrap:wrap;margin-top:4px;
}
.acb-left h4{font-size:.95rem;font-weight:800;color:var(--dark);margin-bottom:4px}
.acb-left p{font-size:.77rem;color:var(--muted);line-height:1.5}
.acb-cats{display:flex;gap:6px;flex-wrap:wrap;margin-top:8px}
.acb-cat{
  background:var(--light-bg);border:1px solid var(--border);border-radius:8px;
  padding:5px 11px;font-size:.71rem;font-weight:600;color:var(--dark);
  text-decoration:none;font-family:'Montserrat',sans-serif;
  transition:background .15s, border-color .15s;
}
.acb-cat:hover{background:#fff8e1;border-color:rgba(212,160,23,.4)}
.acb-right{flex-shrink:0}

/* ── CTA STRIP ── */
.cta-strip{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  border-radius:12px;padding:20px 24px;color:#fff;
  border:1px solid rgba(212,160,23,.3);
  display:flex;align-items:center;justify-content:space-between;
  gap:18px;flex-wrap:wrap;margin-top:20px;
}
.cta-strip h4{font-size:1rem;font-weight:800;color:var(--gold);margin-bottom:4px}
.cta-strip p{font-size:.78rem;opacity:.75}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{padding:9px 18px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:700;border:2px solid transparent;text-decoration:none;cursor:pointer;display:inline-flex;align-items:center;gap:5px;white-space:nowrap}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}
.disclaimer{font-size:.72rem;color:var(--muted);margin-top:13px;line-height:1.5;padding:10px 12px;background:#f5f5f5;border-radius:8px}
:root{
  --gold:#D4A017;--silver:#A8A9AD;--dark:#1A1A1A;--navy:#002868;
  --green:#00843D;--red:#BF0A30;--light-bg:#FAFAF7;--card-bg:#FFFFFF;
  --border:#E0DDD0;--text:#1A1F36;--muted:#6B7280;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text)}
h1,h2,h3,h4,h5,h6{font-family:'Montserrat',sans-serif}
.calc-body{max-width:1200px;margin:0 auto;padding:18px 14px}

/* ── SECTION HEADER ── */
.section-header{
  background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);
  color:#fff;padding:26px 24px 20px;
  border-bottom:3px solid var(--gold);
  border-radius:14px 14px 0 0;text-align:center;
}
.section-header h2{font-size:clamp(1.05rem,2.8vw,1.55rem);font-weight:800;color:var(--gold);margin-bottom:7px}
.section-header p{font-size:.84rem;opacity:.85;max-width:720px;margin:0 auto 13px;line-height:1.65}
.header-badges{display:flex;justify-content:center;gap:7px;flex-wrap:wrap}
.header-badge{background:rgba(212,160,23,.2);border:1px solid rgba(212,160,23,.4);border-radius:20px;padding:4px 12px;font-size:.71rem;font-weight:600;color:var(--gold)}

/* ── STATS BAR ── */
.stats-row{display:grid;grid-template-columns:repeat(5,1fr);background:var(--dark);border-bottom:2px solid #2a2a2a;margin-bottom:22px}
.stat-box{padding:13px 10px;text-align:center;border-right:1px solid #333}
.stat-box:last-child{border-right:none}
.stat-num{font-size:1.2rem;font-weight:800;font-family:'Montserrat',sans-serif;color:var(--gold)}
.stat-lbl{font-size:.64rem;color:rgba(255,255,255,.5);margin-top:3px;line-height:1.3}
@media(max-width:540px){.stats-row{grid-template-columns:repeat(3,1fr)}.stat-box:nth-child(4),.stat-box:nth-child(5){border-top:1px solid #333}}

/* ── SECTION LABEL ── */
.section-label{display:flex;align-items:center;gap:10px;font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;color:var(--dark);text-transform:uppercase;letter-spacing:.4px;margin:22px 0 12px;padding-bottom:8px;border-bottom:2px solid var(--gold)}
.sl-icon{width:26px;height:26px;background:linear-gradient(135deg,var(--gold),#a07510);border-radius:7px;display:flex;align-items:center;justify-content:center;font-size:.8rem;flex-shrink:0}

/* ── GRIDS ── */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
.three-col{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
@media(max-width:767px){.two-col{grid-template-columns:1fr}}
@media(max-width:640px){.three-col{grid-template-columns:1fr 1fr}}
@media(max-width:400px){.three-col{grid-template-columns:1fr}}

/* ── DISCLAIMER PANEL ── */
.disclaimer-panel{
  background:#fff8f8;
  border:1px solid #f5c6c6;
  border-left:5px solid var(--red);
  border-radius:0 12px 12px 0;
  padding:20px 22px;
  margin-bottom:16px;
}
.dp-header{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.dp-icon{width:34px;height:34px;background:linear-gradient(135deg,var(--red),#8b0020);border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.dp-title{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--red)}
.dp-sub{font-size:.73rem;color:var(--muted);margin-top:2px}
.dp-body p{font-size:.8rem;line-height:1.75;color:var(--text);margin-bottom:9px}
.dp-body p:last-child{margin-bottom:0}
.dp-body strong{color:var(--dark)}

/* ── EDITORIAL PANEL ── */
.editorial-panel{
  background:#f0faf4;
  border:1px solid #a5d6a7;
  border-left:5px solid var(--green);
  border-radius:0 12px 12px 0;
  padding:20px 22px;
  margin-bottom:16px;
}
.ep-header{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.ep-icon{width:34px;height:34px;background:linear-gradient(135deg,var(--green),#006e32);border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.ep-title{font-family:'Montserrat',sans-serif;font-size:.95rem;font-weight:800;color:var(--green)}
.ep-sub{font-size:.73rem;color:var(--muted);margin-top:2px}
.ep-body p{font-size:.8rem;line-height:1.75;color:var(--text);margin-bottom:9px}
.ep-body p:last-child{margin-bottom:0}
.ep-body strong{color:var(--dark)}

/* ── CHECKLIST ── */
.checklist{list-style:none;padding:0;margin:10px 0}
.checklist li{font-size:.79rem;padding:6px 0 6px 26px;border-bottom:1px solid var(--border);position:relative;line-height:1.55;color:var(--text)}
.checklist li:last-child{border-bottom:none}
.checklist li::before{position:absolute;left:0;top:6px;font-size:.82rem}
.checklist.check li::before{content:"✅"}
.checklist.cross li::before{content:"🚫"}
.checklist.info li::before{content:"ℹ️"}
.checklist.lock li::before{content:"🔒"}

/* ── AUTHORITY LINK CARD ── */
.auth-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:4px}
@media(max-width:640px){.auth-grid{grid-template-columns:1fr}}
.auth-card{
  background:var(--card-bg);
  border:1px solid var(--border);
  border-radius:12px;padding:14px 16px;
  display:flex;align-items:flex-start;gap:12px;
  text-decoration:none;
  transition:border-color .18s, box-shadow .18s, transform .18s;
}
.auth-card:hover{border-color:rgba(0,40,104,.4);box-shadow:0 4px 16px rgba(0,40,104,.10);transform:translateY(-2px)}
.auth-badge{
  min-width:46px;height:46px;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:.68rem;font-weight:800;font-family:'Montserrat',sans-serif;
  color:#fff;flex-shrink:0;text-align:center;line-height:1.2;padding:4px;
}
.badge-irs{background:linear-gradient(135deg,#002868,#003d9e)}
.badge-cftc{background:linear-gradient(135deg,#1b5e20,#2e7d32)}
.badge-ftc{background:linear-gradient(135deg,#0d47a1,#1565c0)}
.badge-sec{background:linear-gradient(135deg,#1a237e,#283593)}
.badge-mint{background:linear-gradient(135deg,#7a5c00,var(--gold))}
.badge-bls{background:linear-gradient(135deg,#37474f,#546e7a)}
.badge-fed{background:linear-gradient(135deg,#880e4f,#ad1457)}
.badge-finra{background:linear-gradient(135deg,#004d40,#00695c)}
.badge-inv{background:linear-gradient(135deg,#006064,#00838f)}
.badge-nfa{background:linear-gradient(135deg,#4a148c,#6a1b9a)}
.ac-body{flex:1}
.ac-agency{font-size:.67rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.ac-title{font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:800;color:var(--dark);line-height:1.3;margin-bottom:4px}
.ac-desc{font-size:.74rem;color:var(--muted);line-height:1.5;margin-bottom:5px}
.ac-relevance{font-size:.71rem;color:#856404;background:#fff8e1;border-radius:5px;padding:3px 7px;display:inline-block}
.ac-link-row{display:flex;align-items:center;gap:5px;margin-top:7px}
.ac-url{font-size:.71rem;color:var(--navy);font-weight:600;font-family:'Montserrat',sans-serif;text-decoration:none}
.ac-url:hover{text-decoration:underline}
.ac-ext{font-size:.68rem;color:var(--muted)}
.gov-badge{display:inline-flex;align-items:center;gap:3px;background:#e8eaf6;border:1px solid #9fa8da;border-radius:5px;padding:2px 7px;font-size:.67rem;font-weight:700;color:#1a237e;font-family:'Montserrat',sans-serif}

/* ── IRC REFERENCE TABLE ── */
.data-table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--border);margin:12px 0}
.data-table{width:100%;border-collapse:collapse;font-size:.77rem}
.data-table thead th{background:linear-gradient(135deg,#1A1A1A,#333);color:var(--gold);padding:9px 11px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.71rem;white-space:nowrap}
.data-table tbody tr:nth-child(even){background:#fafaf5}
.data-table tbody tr:hover{background:#fff8e1}
.data-table td{padding:8px 11px;border-bottom:1px solid var(--border);vertical-align:middle;font-size:.77rem}
.td-gold{color:#856404;font-weight:700}
.td-navy{color:var(--navy);font-weight:600}
.td-bold{font-weight:700;color:var(--dark)}
.td-muted{color:var(--muted);font-size:.72rem}
.td-link{color:var(--navy);font-weight:600;text-decoration:none;font-size:.73rem}
.td-link:hover{text-decoration:underline}

/* ── UPDATE LOG ── */
.update-log{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;overflow:hidden}
.ul-header{background:linear-gradient(135deg,#1A1A1A,#2d2d1a);padding:12px 16px;display:flex;align-items:center;gap:9px}
.ul-header-title{font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:800;color:var(--gold)}
.ul-row{display:flex;align-items:flex-start;gap:12px;padding:11px 16px;border-bottom:1px solid var(--border);font-size:.78rem}
.ul-row:last-child{border-bottom:none}
.ul-date{min-width:85px;font-family:'Montserrat',sans-serif;font-size:.72rem;font-weight:700;color:var(--gold);flex-shrink:0;margin-top:1px}
.ul-tag{display:inline-block;padding:2px 8px;border-radius:8px;font-size:.67rem;font-weight:700;font-family:'Montserrat',sans-serif;margin-right:5px;flex-shrink:0}
.tag-new{background:#e8f5e9;color:#1b5e20}
.tag-update{background:#fff8e1;color:#856404}
.tag-review{background:#e8eaf6;color:#1a237e}
.tag-fix{background:#ffebee;color:#b71c1c}
.ul-desc{color:var(--text);line-height:1.5;flex:1}

/* ── CONFLICT OF INTEREST BOX ── */
.coi-box{
  background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:18px 20px;
}
.coi-title{font-family:'Montserrat',sans-serif;font-size:.88rem;font-weight:800;color:var(--dark);margin-bottom:10px;padding-bottom:7px;border-bottom:2px solid var(--light-bg);display:flex;align-items:center;gap:8px}
.coi-icon{width:22px;height:22px;background:linear-gradient(135deg,var(--gold),#a07510);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.7rem;color:#fff;flex-shrink:0}
.coi-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}
@media(max-width:540px){.coi-grid{grid-template-columns:1fr}}
.coi-item{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:10px 12px}
.coi-item-title{font-size:.72rem;font-weight:700;color:var(--dark);font-family:'Montserrat',sans-serif;margin-bottom:4px}
.coi-item-text{font-size:.75rem;color:var(--muted);line-height:1.55}
.coi-item.green-item{background:#f0faf4;border-color:#a5d6a7}
.coi-item.green-item .coi-item-title{color:var(--green)}
.coi-item.red-item{background:#fff8f8;border-color:#f5c6c6}
.coi-item.red-item .coi-item-title{color:var(--red)}

/* ── ALERTS ── */
.alert-warning{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#5d4037;margin:12px 0;line-height:1.55}
.alert-info{background:#fffde7;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#333;margin:12px 0;line-height:1.55}
.alert-success{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:11px 13px;font-size:.79rem;color:#1b5e20;margin:12px 0;line-height:1.55}
.alert-warning strong,.alert-info strong,.alert-success strong{display:block;margin-bottom:3px}

/* ── CTA STRIP ── */
.cta-strip{background:linear-gradient(135deg,#1A1A1A 0%,#2d2d1a 60%,#3d3000 100%);border-radius:12px;padding:18px 22px;color:#fff;border:1px solid rgba(212,160,23,.3);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:20px}
.cta-strip h4{font-size:.95rem;font-weight:800;color:var(--gold);margin-bottom:3px}
.cta-strip p{font-size:.76rem;opacity:.72}
.cta-btns{display:flex;gap:9px;flex-wrap:wrap;flex-shrink:0}
.cta-btn{padding:8px 16px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.76rem;font-weight:700;border:2px solid transparent;text-decoration:none;cursor:pointer;display:inline-flex;align-items:center;gap:5px;white-space:nowrap}
.cta-btn.gold{background:linear-gradient(135deg,var(--gold),#a07510);color:#fff;border-color:var(--gold)}
.cta-btn.outline{background:transparent;color:var(--gold);border-color:var(--gold)}
.section-divider{border:none;border-top:2px dashed var(--border);margin:22px 0}

/* ── FINAL DISCLAIMER BOX ── */
.final-disclaimer{
  background:#1A1A1A;border-radius:12px;padding:18px 20px;margin-top:16px;
  border:1px solid #333;
}
.fd-title{font-family:'Montserrat',sans-serif;font-size:.78rem;font-weight:800;color:var(--gold);text-transform:uppercase;letter-spacing:.4px;margin-bottom:10px;padding-bottom:7px;border-bottom:1px solid #333}
.fd-text{font-size:.74rem;color:rgba(255,255,255,.6);line-height:1.75}
.fd-text a{color:var(--gold);text-decoration:none}
.fd-text a:hover{text-decoration:underline}

 /* =====================================================
   NUCLEAR MOBILE FIX & PDF EXPORT MODE
   ===================================================== */
@media (max-width: 768px) {
  /* Force columns to stack and prevent grid blowout */
  .two-col, .three-col, .result-grid, .wh-grid, .tip-grid, .coin-grid {
    grid-template-columns: 1fr !important;
    display: flex !important;
    flex-direction: column !important;
    gap: 15px !important;
    min-width: 0 !important; 
  }
  
  .two-col > div, .three-col > div, .result-grid > div { 
    width: 100% !important; 
    min-width: 0 !important; 
  }
  
  body, html { overflow-x: hidden !important; width: 100% !important; }
  
  .calc-body {
    width: 100% !important;
    max-width: 100vw !important;
    padding: 12px !important;
    margin: 0 auto !important;
    box-sizing: border-box !important;
  }

  /* Shrink charts for mobile */
  canvas, .chart-wrap {
    width: 100% !important;
    max-width: 100% !important;
    height: auto !important;
    min-height: 200px !important;
  }
}