:root{--navy:#002868;--navy2:#214d88;--green:#00875A;--red:#BF0A30;--amber:#b88100;--ink:#1D1D1F;--muted:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--card:#fff;--shadow:0 6px 20px rgba(0,40,104,.06)}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif}
    .hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 16px 26px}.hero-inner{max-width:1600px;margin:0 auto}.hero h1{font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.1;margin-bottom:10px}.hero p{font-size:.98rem;max-width:1280px;opacity:.93}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);font-size:.72rem;font-weight:700}
    .wrap{max-width:1600px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--border);border-radius:10px;padding:16px;text-align:center;color:var(--muted);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--navy)}
    .layout{display:grid;grid-template-columns:1.14fr .86fr;gap:18px}.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:var(--shadow)}.card+.card{margin-top:12px}.title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--navy);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--muted);margin-top:2px} input[type=number],select{width:100%;padding:10px 11px;border:1.5px solid var(--border);border-radius:8px;background:#fff;font:inherit;font-size:.88rem;color:var(--ink);outline:none;transition:border .2s,box-shadow .2s} input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08)}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--navy);color:#fff;border-color:var(--navy)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--red);border-color:var(--red)}.btn-outline:hover{background:var(--red);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .placeholder{text-align:center;padding:46px 18px;color:var(--muted)}.placeholder .emoji{font-size:2.6rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--green),#006a46)}.banner.warn{background:linear-gradient(135deg,var(--amber),#805c00)}.banner.bad{background:linear-gradient(135deg,var(--red),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.24rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.9;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--navy)}.kpi .small{font-size:.68rem;color:var(--muted);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid var(--amber);color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
    .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.71rem;color:var(--muted)}
    .chart-wrap{position:relative;height:330px}.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--navy);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--border);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--navy)}.note{font-size:.72rem;color:var(--muted);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}
    @media(max-width:1150px){.layout{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.wrap{padding:14px 10px 30px}.card{padding:16px}}
     /* ── Section wrapper ── */
  .edu-section{max-width:1600px;margin:0 auto;padding:10px 14px 48px}

  /* ── Section header ── */
  .edu-header{text-align:center;padding:36px 16px 28px}
  .edu-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.4rem,3vw,2rem);color:var(--navy);margin-bottom:10px}
  .edu-header p{color:var(--muted);font-size:.95rem;max-width:680px;margin:0 auto}

  /* ── How-it-works steps ── */
  .steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:28px}
  .step-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px 18px;box-shadow:var(--shadow);position:relative}
  .step-num{width:32px;height:32px;border-radius:9px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-size:.85rem;font-weight:800;margin-bottom:12px}
  .step-card h3{font-family:Montserrat,sans-serif;font-size:.88rem;color:var(--navy);margin-bottom:7px}
  .step-card p{font-size:.8rem;color:var(--muted);line-height:1.6}
  .step-icon{font-size:1.5rem;margin-bottom:8px}

  /* ── Formula box ── */
  .formula-box{background:linear-gradient(135deg,var(--navy),#214d88);color:#fff;border-radius:14px;padding:22px 24px;margin-bottom:28px}
  .formula-box h3{font-family:Montserrat,sans-serif;font-size:1rem;margin-bottom:14px;opacity:.9}
  .formula-row{display:flex;align-items:flex-start;gap:14px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12)}
  .formula-row:last-child{border-bottom:none}
  .formula-label{font-size:.78rem;font-weight:700;opacity:.8;min-width:160px;flex-shrink:0}
  .formula-eq{font-size:.82rem;font-family:'Courier New',monospace;background:rgba(255,255,255,.1);padding:6px 10px;border-radius:7px;flex:1;line-height:1.5}

  /* ── Two-col edu layout ── */
  .edu-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:28px}

  /* ── Concept cards ── */
  .concept-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow)}
  .concept-card .cc-header{display:flex;align-items:center;gap:10px;margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid #eef3f7}
  .cc-icon{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
  .cc-icon.navy{background:#e8edf8}
  .cc-icon.green{background:#e6f5ef}
  .cc-icon.amber{background:#fff8e1}
  .cc-icon.red{background:#fff0f2}
  .concept-card h3{font-family:Montserrat,sans-serif;font-size:.9rem;color:var(--navy)}
  .concept-card p{font-size:.8rem;color:var(--muted);line-height:1.7;margin-bottom:10px}
  .concept-card p:last-child{margin-bottom:0}

  /* ── Fact pills inside concept cards ── */
  .fact-list{list-style:none;padding:0;margin:0}
  .fact-list li{font-size:.78rem;color:var(--ink);padding:6px 0;border-bottom:1px solid var(--border);display:flex;gap:8px;align-items:flex-start}
  .fact-list li:last-child{border-bottom:none}
  .fact-list li::before{content:"→";color:var(--navy);font-weight:800;flex-shrink:0;margin-top:1px}

  /* ── IRS Table reference ── */
  .irs-table-wrap{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow);margin-bottom:28px}
  .irs-table-wrap h3{font-family:Montserrat,sans-serif;font-size:.95rem;color:var(--navy);margin-bottom:14px}
  .irs-ref-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
  .irs-age-card{background:#f7faff;border:1px solid var(--border);border-radius:9px;padding:10px;text-align:center}
  .irs-age{font-size:.75rem;font-weight:700;color:var(--muted);margin-bottom:4px}
  .irs-factor{font-size:1.05rem;font-weight:800;color:var(--navy)}
  .irs-pct{font-size:.68rem;color:var(--green);margin-top:2px}

  /* ── Alert banners ── */
  .edu-alert{padding:14px 16px;border-radius:0 10px 10px 0;font-size:.82rem;margin-bottom:12px;line-height:1.6}
  .edu-alert.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
  .edu-alert.warn{background:#fff8e1;border-left:4px solid var(--amber);color:#5d4000}
  .edu-alert.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
  .edu-alert.info{background:#e8edf8;border-left:4px solid var(--navy);color:#001a4e}
  .edu-alert strong{font-weight:700}

  /* ── FAQ accordion ── */
  .faq-wrap{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow);margin-bottom:28px}
  .faq-wrap h3{font-family:Montserrat,sans-serif;font-size:.95rem;color:var(--navy);margin-bottom:14px}
  .faq-item{border-bottom:1px solid var(--border)}
  .faq-item:last-child{border-bottom:none}
  .faq-q{width:100%;background:none;border:none;text-align:left;padding:13px 0;font-family:Inter,sans-serif;font-size:.83rem;font-weight:700;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:10px}
  .faq-q:hover{color:var(--navy)}
  .faq-arrow{font-size:.9rem;color:var(--muted);transition:transform .25s;flex-shrink:0}
  .faq-a{font-size:.8rem;color:var(--muted);line-height:1.7;padding:0 0 13px;display:none}
  .faq-item.open .faq-a{display:block}
  .faq-item.open .faq-arrow{transform:rotate(180deg)}

  /* ── QCD strategy table ── */
  .strategy-compare{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow);margin-bottom:28px}
  .strategy-compare h3{font-family:Montserrat,sans-serif;font-size:.95rem;color:var(--navy);margin-bottom:14px}

  /* ── Disclaimer ── */
  .edu-disclaimer{background:#f3f5f8;border:1px solid var(--border);border-radius:12px;padding:16px 18px;font-size:.75rem;color:var(--muted);line-height:1.7;text-align:center}
  .edu-disclaimer strong{color:var(--ink)}

  /* ── Mobile ── */
  @media(max-width:1150px){
    .steps-grid{grid-template-columns:repeat(2,1fr)}
    .edu-grid{grid-template-columns:1fr}
    .irs-ref-grid{grid-template-columns:repeat(3,1fr)}
  }
  @media(max-width:640px){
    .steps-grid{grid-template-columns:1fr}
    .irs-ref-grid{grid-template-columns:repeat(2,1fr)}
    .formula-row{flex-direction:column;gap:6px}
    .formula-label{min-width:unset}
    .edu-section{padding:8px 10px 36px}
  }
    /* ── Related Calculators Section ── */
  .related-section{max-width:1600px;margin:0 auto;padding:0 14px 52px}

  .related-header{text-align:center;padding:10px 16px 26px}
  .related-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.3rem,2.8vw,1.85rem);color:var(--navy);margin-bottom:8px}
  .related-header p{color:var(--muted);font-size:.9rem;max-width:620px;margin:0 auto}

  /* ── Category group label ── */
  .related-group{margin-bottom:28px}
  .related-group-label{display:flex;align-items:center;gap:10px;margin-bottom:14px}
  .related-group-label span{font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--navy)}
  .related-group-label::after{content:"";flex:1;height:2px;background:#eef3f7}

  /* ── Cards grid ── */
  .related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}

  /* ── Individual card ── */
  .rel-card{background:var(--card);border:1px solid var(--border);border-radius:13px;padding:16px 15px 14px;box-shadow:var(--shadow);text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:8px;transition:transform .18s,box-shadow .18s,border-color .18s;position:relative;overflow:hidden}
  .rel-card::before{content:"";position:absolute;top:0;left:0;width:4px;height:100%;background:var(--rel-accent,var(--navy));border-radius:13px 0 0 13px}
  .rel-card:hover{transform:translateY(-3px);box-shadow:0 10px 28px rgba(0,40,104,.12);border-color:var(--rel-accent,var(--navy));text-decoration:none}

  .rel-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
  .rel-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;background:var(--rel-icon-bg,#e8edf8)}
  .rel-card h3{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);line-height:1.35;margin:0}
  .rel-card p{font-size:.74rem;color:var(--muted);line-height:1.6;margin:0;flex:1}
  .rel-card-footer{display:flex;align-items:center;justify-content:space-between;margin-top:auto;padding-top:8px;border-top:1px solid var(--border)}
  .rel-cat-badge{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:3px 7px;border-radius:999px;background:var(--rel-badge-bg,#e8edf8);color:var(--rel-badge-color,var(--navy))}
  .rel-arrow{font-size:.8rem;color:var(--muted);transition:transform .18s}
  .rel-card:hover .rel-arrow{transform:translateX(4px);color:var(--navy)}

  /* ── View All CTA strip ── */
  .related-cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:10px;margin-top:10px;padding:18px;background:linear-gradient(135deg,var(--navy),#214d88);border-radius:14px}
  .related-cta span{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:700;color:#fff}
  .related-cta a{display:inline-flex;align-items:center;gap:6px;padding:9px 18px;border-radius:8px;background:#fff;color:var(--navy);font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:800;text-decoration:none;transition:background .18s,transform .18s}
  .related-cta a:hover{background:#e8edf8;transform:translateY(-1px)}

  /* ── Breakpoints ── */
  @media(max-width:1150px){.related-grid{grid-template-columns:repeat(3,1fr)}}
  @media(max-width:768px){.related-grid{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:480px){.related-grid{grid-template-columns:1fr}.related-section{padding:0 10px 40px}}
  /* ── Wrapper ── */
  .disclaimer-section{max-width:1600px;margin:0 auto;padding:0 14px 52px}

  /* ── Section header ── */
  .disclaimer-header{display:flex;align-items:center;gap:12px;margin-bottom:20px;padding-bottom:14px;border-bottom:2px solid #eef3f7}
  .disclaimer-header-icon{width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,var(--navy),#214d88);display:flex;align-items:center;justify-content:center;font-size:1.3rem;flex-shrink:0}
  .disclaimer-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.1rem,2.5vw,1.4rem);color:var(--navy);margin:0}
  .disclaimer-header p{font-size:.78rem;color:var(--muted);margin:3px 0 0}

  /* ── Two-column layout ── */
  .disclaimer-grid{display:grid;grid-template-columns:1.2fr 0.8fr;gap:18px;margin-bottom:18px}

  /* ── Main disclaimer card ── */
  .disclaimer-main{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:22px;box-shadow:var(--shadow)}
  .disclaimer-block{margin-bottom:18px;padding-bottom:18px;border-bottom:1px solid var(--border)}
  .disclaimer-block:last-child{margin-bottom:0;padding-bottom:0;border-bottom:none}
  .disclaimer-block-title{display:flex;align-items:center;gap:8px;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px}
  .disclaimer-block-title .dtag{width:22px;height:22px;border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.75rem;flex-shrink:0}
  .dtag.red{background:#fff0f2}
  .dtag.amber{background:#fff8e1}
  .dtag.navy{background:#e8edf8}
  .dtag.green{background:#e6f5ef}
  .disclaimer-block p{font-size:.8rem;color:var(--muted);line-height:1.75;margin:0 0 8px}
  .disclaimer-block p:last-child{margin-bottom:0}
  .disclaimer-block strong{color:var(--ink)}

  /* ── Limitation list ── */
  .limit-list{list-style:none;padding:0;margin:8px 0 0}
  .limit-list li{font-size:.78rem;color:var(--muted);padding:5px 0;border-bottom:1px solid var(--border);display:flex;gap:8px;align-items:flex-start;line-height:1.6}
  .limit-list li:last-child{border-bottom:none}
  .limit-list li .li-icon{flex-shrink:0;margin-top:1px}

  /* ── Editorial transparency card ── */
  .editorial-card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:22px;box-shadow:var(--shadow)}
  .editorial-card h3{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid #eef3f7}

  /* ── Editorial badge rows ── */
  .editorial-badge-row{display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid var(--border)}
  .editorial-badge-row:last-child{border-bottom:none}
  .eb-icon{width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.9rem;flex-shrink:0;margin-top:1px}
  .eb-icon.green{background:#e6f5ef}
  .eb-icon.navy{background:#e8edf8}
  .eb-icon.amber{background:#fff8e1}
  .eb-text strong{display:block;font-size:.78rem;font-weight:700;color:var(--ink);margin-bottom:2px}
  .eb-text span{font-size:.74rem;color:var(--muted);line-height:1.6}

  /* ── Authority sources full-width card ── */
  .authority-card{background:linear-gradient(135deg,#001a4e,var(--navy));border-radius:14px;padding:22px;margin-bottom:18px}
  .authority-card h3{font-family:Montserrat,sans-serif;font-size:.88rem;font-weight:800;color:#fff;margin-bottom:6px}
  .authority-card .auth-sub{font-size:.77rem;color:rgba(255,255,255,.75);margin-bottom:18px;line-height:1.5}
  .authority-links-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
  .auth-link{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:13px 14px;text-decoration:none;display:flex;flex-direction:column;gap:5px;transition:background .18s,transform .18s}
  .auth-link:hover{background:rgba(255,255,255,.18);transform:translateY(-2px);text-decoration:none}
  .auth-link-top{display:flex;align-items:center;gap:8px}
  .auth-badge{font-size:.6rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:2px 6px;border-radius:999px;background:rgba(255,255,255,.2);color:#fff;flex-shrink:0}
  .auth-link-title{font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:700;color:#fff;line-height:1.35}
  .auth-link-desc{font-size:.71rem;color:rgba(255,255,255,.72);line-height:1.5}
  .auth-link-url{font-size:.67rem;color:rgba(255,255,255,.5);margin-top:2px;word-break:break-all}

  /* ── Bottom compliance strip ── */
  .compliance-strip{background:#f3f5f8;border:1px solid var(--border);border-radius:12px;padding:16px 18px;display:flex;align-items:flex-start;gap:14px}
  .compliance-strip-icon{font-size:1.4rem;flex-shrink:0;margin-top:2px}
  .compliance-strip p{font-size:.74rem;color:var(--muted);line-height:1.7;margin:0}
  .compliance-strip p strong{color:var(--ink)}
  .compliance-strip a{color:var(--navy);text-decoration:underline}
  .compliance-strip a:hover{color:#214d88}

  /* ── Mobile ── */
  @media(max-width:1150px){
    .authority-links-grid{grid-template-columns:repeat(2,1fr)}
  }
  @media(max-width:768px){
    .disclaimer-grid{grid-template-columns:1fr}
    .authority-links-grid{grid-template-columns:repeat(2,1fr)}
  }
  @media(max-width:480px){
    .authority-links-grid{grid-template-columns:1fr}
    .disclaimer-section{padding:0 10px 40px}
    .compliance-strip{flex-direction:column;gap:8px}
  }
  /* ── Section wrapper ── */
  .examples-section{max-width:1600px;margin:0 auto;padding:0 14px 52px}

  /* ── Section header ── */
  .examples-header{text-align:center;padding:10px 16px 28px}
  .examples-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.3rem,2.8vw,1.85rem);color:var(--navy);margin-bottom:8px}
  .examples-header p{color:var(--muted);font-size:.9rem;max-width:660px;margin:0 auto}

  /* ── Example card ── */
  .example-card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:0;box-shadow:var(--shadow);margin-bottom:22px;overflow:hidden}

  /* ── Card top banner ── */
  .ex-banner{padding:18px 22px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
  .ex-banner.navy{background:linear-gradient(135deg,var(--navy),#214d88)}
  .ex-banner.green{background:linear-gradient(135deg,var(--green),#006a46)}
  .ex-banner.amber{background:linear-gradient(135deg,#b88100,#7a5500)}
  .ex-banner.red{background:linear-gradient(135deg,var(--red),#8f001e)}
  .ex-banner.purple{background:linear-gradient(135deg,#5c35b0,#3b1e80)}

  .ex-banner-left{display:flex;align-items:center;gap:14px}
  .ex-num{width:42px;height:42px;border-radius:12px;background:rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-size:1rem;font-weight:800;color:#fff;flex-shrink:0}
  .ex-persona h3{font-family:Montserrat,sans-serif;font-size:1rem;font-weight:800;color:#fff;margin:0 0 3px}
  .ex-persona span{font-size:.77rem;color:rgba(255,255,255,.82)}

  .ex-verdict-pill{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 14px;font-size:.72rem;font-weight:700;color:#fff;white-space:nowrap}

  /* ── Card body ── */
  .ex-body{padding:20px 22px}

  /* ── Two-col inner grid ── */
  .ex-inner-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}

  /* ── Inputs summary box ── */
  .ex-inputs{background:#f7faff;border:1px solid var(--border);border-radius:11px;padding:14px}
  .ex-inputs-title{font-family:Montserrat,sans-serif;font-size:.73rem;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px}
  .ex-input-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--border);font-size:.78rem}
  .ex-input-row:last-child{border-bottom:none}
  .ex-input-label{color:var(--muted)}
  .ex-input-val{font-weight:700;color:var(--ink)}

  /* ── Results summary box ── */
  .ex-results{background:#f7faff;border:1px solid var(--border);border-radius:11px;padding:14px}
  .ex-results-title{font-family:Montserrat,sans-serif;font-size:.73rem;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px}
  .ex-result-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--border);font-size:.78rem}
  .ex-result-row:last-child{border-bottom:none;font-weight:800}
  .ex-result-label{color:var(--muted)}
  .ex-result-val{font-weight:700}
  .ex-result-val.good{color:var(--green)}
  .ex-result-val.warn{color:var(--amber)}
  .ex-result-val.bad{color:var(--red)}
  .ex-result-val.navy{color:var(--navy)}

  /* ── KPI strip ── */
  .ex-kpi-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:18px}
  .ex-kpi{background:#f7faff;border:1px solid var(--border);border-radius:10px;padding:11px 10px;text-align:center}
  .ex-kpi .ek-label{font-size:.66rem;font-weight:700;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
  .ex-kpi .ek-val{font-size:.98rem;font-weight:800;color:var(--navy)}
  .ex-kpi .ek-sub{font-size:.67rem;color:var(--muted);margin-top:2px}

  /* ── Lesson / takeaway box ── */
  .ex-lesson{border-radius:0 10px 10px 0;padding:14px 16px;font-size:.8rem;line-height:1.7}
  .ex-lesson.good{background:#e8f5e9;border-left:4px solid var(--green);color:#1b5e20}
  .ex-lesson.warn{background:#fff8e1;border-left:4px solid var(--amber);color:#5d4000}
  .ex-lesson.bad{background:#ffebee;border-left:4px solid var(--red);color:#b71c1c}
  .ex-lesson.info{background:#e8edf8;border-left:4px solid var(--navy);color:#001a4e}
  .ex-lesson.purple{background:#f0ebff;border-left:4px solid #5c35b0;color:#2e1065}
  .ex-lesson strong{font-weight:700}

  /* ── Strategy tags ── */
  .ex-tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:14px}
  .ex-tag{padding:4px 10px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.7rem;color:var(--muted);font-weight:600}

  /* ── Try it CTA inside card ── */
  .ex-try{display:inline-flex;align-items:center;gap:6px;margin-top:14px;padding:9px 16px;border-radius:8px;background:var(--navy);color:#fff;font-family:Montserrat,sans-serif;font-size:.76rem;font-weight:800;text-decoration:none;border:none;cursor:pointer;transition:background .18s}
  .ex-try:hover{background:#214d88;text-decoration:none;color:#fff}

  /* ── Mobile ── */
  @media(max-width:900px){
    .ex-inner-grid{grid-template-columns:1fr}
    .ex-kpi-strip{grid-template-columns:repeat(2,1fr)}
  }
  @media(max-width:480px){
    .ex-kpi-strip{grid-template-columns:repeat(2,1fr)}
    .ex-body{padding:16px 14px}
    .ex-banner{padding:16px 14px}
    .ex-verdict-pill{display:none}
    .examples-section{padding:0 10px 40px}
  }
/* 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%;
  }
}



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

@media (max-width: 950px) {
  .layout, .layout-2, .layout-main, .steps-grid, .glossary-grid, .tips-grid, .related-grid, .form-grid, .auth-grid, .irs-factor-grid {
    grid-template-columns: 1fr !important; display: grid !important; gap: 14px !important; width: 100% !important;
  }
  .wrap, .card, #results, #placeholder {
    width: 100% !important; max-width: 100vw !important;
    padding-left: 12px !important; padding-right: 12px !important;
    margin-left: 0 !important; margin-right: 0 !important;
  }
  .layout > div { min-width: 0 !important; width: 100% !important; }
  .form-row input, .form-row select, .form-row { width: 100% !important; max-width: 100% !important; }
  .chart-wrap { height: 250px !important; width: 100% !important; }
  .actions { display: flex !important; flex-direction: column !important; width: 100% !important; }
  .actions .btn { width: 100% !important; justify-content: center !important; }
  
  /* IRS Grid Mobile Exception (2 columns instead of 1 so it's not too tall) */
  #irsFactorGrid { grid-template-columns: repeat(2, 1fr) !important; }
}

/* ============================================================
   🎨 HIERARCHY & BRAND COLOR LOCK
   ============================================================ */
h2, .card h2, .sec-title, .edu-card h2 { font-size: 1.4rem  !important; font-weight: 800 !important; line-height: 1.3 !important; margin-bottom: 14px !important; }
h3, .card h3, .edu-card h3, .wrap h3 { font-size: 1.15rem !important; font-weight: 800 !important; margin: 20px 0 10px !important; }
h4, .card h4, .step-card h4, .tip-card h4, .edu-box h4, .wrap h4 { font-size: 0.95rem  !important; font-weight: 700 !important; margin-bottom: 8px !important;}