: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:1480px;margin:0 auto}.hero h1{font-size:clamp(1.7rem,4vw,2.7rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.97rem;max-width:1180px;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:1480px;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:1.08fr .92fr;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],input[type=text],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:2.5rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#805c00)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.32rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:320px}.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}}
     /* ─── SHARED SECTION WRAPPER ─── */
    .section-wrap{max-width:1480px;margin:0 auto;padding:18px 14px 34px}

    /* ─── SECTION HEADER (eyebrow + title + lead) ─── */
    .sec-header{max-width:900px;margin:0 auto 28px;text-align:center}
    .eyebrow-badge{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;
      letter-spacing:.08em;padding:4px 12px;border-radius:999px;margin-bottom:10px}
    .eyebrow-badge.navy{color:var(--navy);background:#e6eeff}
    .eyebrow-badge.green{color:var(--green);background:#e8f5f0}
    .eyebrow-badge.amber{color:var(--amber);background:#fff8e1}
    .eyebrow-badge.red{color:var(--red);background:#ffe8ec}
    .sec-title{font-size:clamp(1.4rem,3vw,2rem);font-weight:800;color:var(--navy);
      margin-bottom:10px;line-height:1.2}
    .sec-lead{font-size:.95rem;color:var(--muted);line-height:1.7;margin:0}

    /* ─── SHARED CARD ─── */
    .card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:18px;box-shadow:var(--shadow)}
    .card-title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;
      color:var(--navy);padding-bottom:9px;margin-bottom:14px;border-bottom:2px solid #eef3f7}
    .num-badge{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;
      flex-shrink:0}

    /* ─── NOTE BOX ─── */
    .note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;
      padding:10px 12px;border-radius:8px}

    /* ─── DIVIDER ─── */
    .section-divider{border:none;border-top:1px solid var(--border);margin:0}

    /* ======================================================
       SECTION 1 — HOW IT WORKS
       ====================================================== */
    .hiw-section{background:var(--bg);padding:52px 16px 56px}
    .hiw-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .hiw-card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:20px 18px;box-shadow:var(--shadow);position:relative;overflow:hidden}
    .hiw-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;
      background:linear-gradient(90deg,var(--navy),var(--navy2))}
    .hiw-step-num{font-family:Montserrat,sans-serif;font-size:2.2rem;font-weight:800;
      color:#e6eeff;line-height:1;margin-bottom:8px}
    .hiw-card h3{font-size:.9rem;font-weight:800;color:var(--navy);margin-bottom:8px}
    .hiw-card p{font-size:.82rem;color:var(--muted);line-height:1.7}
    .hiw-inputs{margin-top:10px;display:flex;flex-direction:column;gap:4px}
    .hiw-input-tag{font-size:.72rem;background:#f3f5f8;border:1px solid var(--border);
      border-radius:6px;padding:3px 8px;color:var(--ink);display:inline-block}
    .hiw-arrow{display:flex;justify-content:center;align-items:center;padding:4px 0}
    .hiw-arrow svg{color:var(--navy2);opacity:.4}

    /* ======================================================
       SECTION 2 — WORKED EXAMPLES
       ====================================================== */
    .examples-section{background:#f0f4ff;padding:52px 16px 56px}
    .examples-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
    .example-card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:20px 18px;box-shadow:var(--shadow)}
    .example-label{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;
      letter-spacing:.06em;padding:3px 10px;border-radius:999px;margin-bottom:10px}
    .example-label.green{background:#e8f5f0;color:var(--green)}
    .example-label.amber{background:#fff8e1;color:#7a5500}
    .example-label.red{background:#ffebee;color:var(--red)}
    .example-label.navy{background:#e6eeff;color:var(--navy)}
    .example-card h3{font-size:.92rem;font-weight:800;color:var(--navy);margin-bottom:10px}
    .example-row{display:flex;justify-content:space-between;align-items:center;
      padding:5px 0;border-bottom:1px solid #f0f0f0;font-size:.8rem}
    .example-row:last-of-type{border-bottom:none}
    .example-row .label{color:var(--muted)}
    .example-row .value{font-weight:700;color:var(--ink)}
    .example-row .value.green{color:var(--green)}
    .example-row .value.red{color:var(--red)}
    .example-row .value.navy{color:var(--navy)}
    .example-verdict{margin-top:12px;padding:10px 12px;border-radius:8px;font-size:.8rem;
      font-weight:700;line-height:1.5}
    .example-verdict.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
    .example-verdict.warn{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}
    .example-verdict.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}

    /* ======================================================
       SECTION 3 — EXPERT / PRO TIPS
       ====================================================== */
    .tips-section{background:var(--bg);padding:52px 16px 56px}
    .tips-banners{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:22px}
    .tips-banner{border-radius:12px;padding:14px 16px;color:#fff}
    .tips-banner.green{background:linear-gradient(135deg,var(--green),#006a46)}
    .tips-banner.amber{background:linear-gradient(135deg,var(--amber),#805c00)}
    .tips-banner.navy{background:linear-gradient(135deg,var(--navy),var(--navy2))}
    .tips-banner-label{font-size:.7rem;font-weight:700;text-transform:uppercase;
      letter-spacing:.07em;opacity:.82;margin-bottom:5px}
    .tips-banner p{font-size:.8rem;line-height:1.6;opacity:.95}
    .tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
    .tip-card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:20px 18px;box-shadow:var(--shadow)}
    .tip-num{font-family:Montserrat,sans-serif;font-size:1.8rem;font-weight:800;color:#e6eeff;
      line-height:1;margin-bottom:6px}
    .tip-card h3{font-size:.9rem;font-weight:800;color:var(--navy);margin-bottom:8px;
      line-height:1.3}
    .tip-card p{font-size:.82rem;color:var(--muted);line-height:1.7;margin-top:6px}
    .tip-highlight{margin-top:12px;background:#f3f5f8;border-left:3px solid var(--navy2);
      border-radius:0 8px 8px 0;padding:10px 12px;font-size:.78rem;color:var(--ink);
      line-height:1.6}

    /* ======================================================
       SECTION 4 — FAQs
       ====================================================== */
    .faq-section{background:#f0f4ff;padding:52px 16px 56px}
    .faq-list{display:flex;flex-direction:column;gap:10px}
    details.faq-item{background:var(--card);border:1px solid var(--border);
      border-radius:12px;box-shadow:var(--shadow);overflow:hidden;
      transition:box-shadow .2s,border-color .2s}
    details.faq-item[open]{box-shadow:var(--shadow-md);border-color:var(--navy)}
    summary.faq-q{font-family:Montserrat,sans-serif;font-size:.88rem;font-weight:700;
      color:var(--navy);padding:14px 16px;cursor:pointer;list-style:none;display:flex;
      align-items:center;justify-content:space-between;gap:12px}
    summary.faq-q::-webkit-details-marker{display:none}
    summary.faq-q::after{content:'+';font-size:1.1rem;font-weight:400;color:var(--muted);
      flex-shrink:0;transition:transform .2s}
    details.faq-item[open] summary.faq-q::after{content:'−'}
    .faq-a{padding:0 16px 14px;border-top:1px solid var(--border)}
    .faq-a p{font-size:.82rem;color:var(--muted);line-height:1.7;margin-top:10px}
    .faq-a a{color:var(--navy);font-weight:600}

    /* ======================================================
       SECTION 5 — RELATED CALCULATORS
       ====================================================== */
    .related-section{background:var(--bg);padding:52px 16px 56px}
    .related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
    .related-card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:16px 14px;display:flex;align-items:center;gap:12px;text-decoration:none;
      box-shadow:var(--shadow);transition:box-shadow .2s,border-color .2s,transform .2s;
      color:inherit}
    .related-card:hover{box-shadow:var(--shadow-md);border-color:var(--navy);
      transform:translateY(-2px)}
    .related-icon{font-size:1.5rem;flex-shrink:0}
    .related-body h3{font-family:Montserrat,sans-serif;font-size:.84rem;font-weight:700;
      color:var(--navy);margin:0 0 4px}
    .related-body p{font-size:.75rem;color:var(--muted);line-height:1.5;margin:0}
    .related-arrow{font-size:1.1rem;color:var(--green);margin-left:auto;flex-shrink:0;
      font-weight:700}

    /* ======================================================
       SECTION 6 — LEGAL DISCLAIMER & EDITORIAL TRANSPARENCY
       ====================================================== */
    .legal-section{background:#f0f4ff;padding:52px 16px 56px}
    .legal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:18px}
    .legal-card{background:var(--card);border:1px solid var(--border);border-radius:14px;
      padding:18px;box-shadow:var(--shadow)}
    .legal-card h3{font-size:.88rem;font-weight:800;color:var(--navy);margin:4px 0 8px;
      line-height:1.3}
    .legal-card p{font-size:.8rem;color:var(--muted);line-height:1.7;margin-bottom:6px}
    .legal-card a{color:var(--navy);font-weight:600}
    .legal-footer-note{border-radius:10px;border:1px dashed var(--border);background:#f3f5f8;
      padding:12px 16px}
    .legal-footer-note p{font-size:.78rem;color:var(--muted);line-height:1.7;margin:0}
    .legal-footer-note a{color:var(--navy);font-weight:700}

    /* ======================================================
       GLOBAL RESPONSIVE — MOBILE FIRST
       ====================================================== */
    @media(max-width:1150px){
      .hiw-grid{grid-template-columns:repeat(2,1fr)}
      .related-grid{grid-template-columns:repeat(3,1fr)}
      .legal-grid{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:900px){
      .examples-grid{grid-template-columns:1fr}
      .tips-grid{grid-template-columns:1fr}
      .related-grid{grid-template-columns:repeat(2,1fr)}
      .tips-banners{grid-template-columns:1fr}
    }
    @media(max-width:640px){
      .hiw-grid{grid-template-columns:1fr}
      .related-grid{grid-template-columns:1fr}
      .legal-grid{grid-template-columns:1fr}
      .sec-header{text-align:left}
      .hiw-section,.examples-section,.tips-section,.faq-section,
      .related-section,.legal-section{padding:36px 14px 40px}
      .sec-title{font-size:1.3rem}
    }
/* 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%;
  }
}