/* ============================================================
   RESET & VARIABLES
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

:root {
  --global-palette1: #002868;
  --global-palette3: #1D1D1F;
  --global-palette4: #5F6368;
  --global-palette5: #E0E4E8;
  --global-palette6: #F7F9FC;
  --global-palette7: #FFFFFF;
  --global-palette8: #BF0A30;
  --global-palette9: #00875A;
  --navy-dark:  #00183F;
  --navy-mid:   #003580;
  --red-hover:  #9B0826;
  --green-h:    #006644;
  --gold:       #D97706;
  --shadow-sm:  0 1px 4px rgba(0,40,104,0.08);
  --shadow-md:  0 4px 20px rgba(0,40,104,0.12);
  --shadow-lg:  0 8px 40px rgba(0,40,104,0.16);
}

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  color: var(--global-palette4);
  background: var(--global-palette7);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ============================================================
   CALCULATOR WRAPPER
   ============================================================ */
.calc-wrapper {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px 60px;
  font-family: 'Inter', system-ui, sans-serif;
}

/* Hero Badge */
.calc-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, rgba(0,40,104,0.08), rgba(0,40,104,0.04));
  border: 1px solid rgba(0,40,104,0.15);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 600;
  color: var(--global-palette1);
  margin-bottom: 16px;
}
.calc-hero-badge .badge-dot {
  width: 7px; height: 7px;
  background: var(--global-palette9);
  border-radius: 50%;
  animation: pulse 1.5s infinite;
}
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.6;transform:scale(0.85)} }

/* Mode Tabs */
.mode-tabs {
  display: flex;
  gap: 4px;
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 12px;
  padding: 5px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.mode-tab {
  flex: 1;
  min-width: 160px;
  padding: 10px 14px;
  border: none;
  border-radius: 8px;
  background: transparent;
  cursor: pointer;
  font-family: inherit;
  font-size: 13px;
  font-weight: 600;
  color: var(--global-palette4);
  transition: all 0.2s;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}
.mode-tab.active {
  background: var(--global-palette1);
  color: #fff;
  box-shadow: var(--shadow-sm);
}
.mode-tab:hover:not(.active) { background: rgba(0,40,104,0.07); color: var(--global-palette1); }

/* Mode Panels */
.mode-panel { display: none; }
.mode-panel.active { display: block; }

/* ============================================================
   GRID LAYOUT
   ============================================================ */
.calc-grid {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 28px;
  align-items: start;
}
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }

/* ============================================================
   INPUT PANEL
   ============================================================ */
.input-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
}
.panel-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: var(--global-palette3);
  letter-spacing: 0.3px;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.panel-title .pt-icon {
  width: 28px; height: 28px;
  background: linear-gradient(135deg, var(--global-palette1), var(--navy-mid));
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}

/* Form Fields */
.field-group { margin-bottom: 18px; }
.field-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 6px;
}
.field-label label {
  font-size: 13px;
  font-weight: 600;
  color: var(--global-palette3);
}
.field-label .tooltip-btn {
  width: 18px; height: 18px;
  background: var(--global-palette5);
  border: none;
  border-radius: 50%;
  font-size: 11px;
  color: var(--global-palette4);
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  position: relative;
  font-weight: 700;
}
.field-label .tooltip-btn:hover::after {
  content: attr(data-tip);
  position: absolute;
  bottom: calc(100% + 6px);
  right: 0;
  background: var(--global-palette3);
  color: #fff;
  font-size: 11.5px;
  font-weight: 400;
  padding: 8px 12px;
  border-radius: 8px;
  white-space: normal;
  width: 220px;
  z-index: 100;
  line-height: 1.5;
  pointer-events: none;
}

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.input-prefix, .input-suffix {
  position: absolute;
  font-size: 13px;
  font-weight: 600;
  color: var(--global-palette4);
  pointer-events: none;
  user-select: none;
}
.input-prefix { left: 12px; }
.input-suffix { right: 12px; }

.input-wrap input, .input-wrap select {
  width: 100%;
  padding: 11px 16px;
  border: 1.5px solid var(--global-palette5);
  border-radius: 9px;
  font-family: inherit;
  font-size: 14px;
  color: var(--global-palette3);
  background: var(--global-palette6);
  outline: none;
  transition: border 0.2s, box-shadow 0.2s, background 0.2s;
  -moz-appearance: textfield;
}
.input-wrap input::-webkit-outer-spin-button,
.input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; }
.input-wrap input:focus, .input-wrap select:focus {
  border-color: var(--global-palette1);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
  background: var(--global-palette7);
}
.has-prefix input { padding-left: 28px; }
.has-suffix input { padding-right: 36px; }

/* Industry Dropdown */
.industry-select select {
  width: 100%;
  padding: 11px 16px;
  border: 1.5px solid var(--global-palette5);
  border-radius: 9px;
  font-family: inherit;
  font-size: 13.5px;
  color: var(--global-palette3);
  background: var(--global-palette6);
  outline: none;
  cursor: pointer;
  transition: border 0.2s, box-shadow 0.2s;
}
.industry-select select:focus {
  border-color: var(--global-palette1);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
}

/* Field Hint */
.field-hint {
  font-size: 11.5px;
  color: var(--global-palette4);
  margin-top: 5px;
  display: flex;
  align-items: center;
  gap: 4px;
}

/* Year rows for multi-period */
.year-rows { display: flex; flex-direction: column; gap: 12px; }
.year-row {
  display: grid;
  grid-template-columns: 90px 1fr 1fr;
  gap: 10px;
  align-items: end;
}
.year-row-label {
  font-size: 12px;
  font-weight: 700;
  color: var(--global-palette1);
  padding-bottom: 12px;
}
.year-row input {
  width: 100%;
  padding: 9px 12px;
  border: 1.5px solid var(--global-palette5);
  border-radius: 8px;
  font-family: inherit;
  font-size: 13px;
  color: var(--global-palette3);
  background: var(--global-palette6);
  outline: none;
  transition: border 0.2s, box-shadow 0.2s;
  -moz-appearance: textfield;
}
.year-row input::-webkit-outer-spin-button,
.year-row input::-webkit-inner-spin-button { -webkit-appearance: none; }
.year-row input:focus {
  border-color: var(--global-palette1);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
  background: var(--global-palette7);
}
.year-row-headers {
  display: grid;
  grid-template-columns: 90px 1fr 1fr;
  gap: 10px;
  margin-bottom: 4px;
}
.year-row-headers span {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--global-palette4);
  text-align: center;
}

/* Section Divider */
.section-divider {
  border: none;
  border-top: 1px solid var(--global-palette5);
  margin: 20px 0;
}

/* Buttons */
.btn-calculate {
  width: 100%;
  padding: 14px 24px;
  background: linear-gradient(135deg, var(--global-palette1) 0%, var(--navy-mid) 100%);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 800;
  cursor: pointer;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  letter-spacing: 0.3px;
  box-shadow: 0 4px 14px rgba(0,40,104,0.3);
  margin-bottom: 10px;
}
.btn-calculate:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,40,104,0.4); }
.btn-calculate:active { transform: translateY(0); }

.btn-pdf {
  width: 100%;
  padding: 11px 24px;
  background: transparent;
  color: var(--global-palette1);
  border: 1.5px solid var(--global-palette1);
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
}
.btn-pdf:hover { background: var(--global-palette1); color: #fff; }
.btn-pdf:disabled { opacity: 0.4; cursor: not-allowed; }

/* Ad Container */
.ad-container.ad-in-calc {
  margin: 20px 0;
  min-height: 60px;
  background: var(--global-palette6);
  border: 1px dashed var(--global-palette5);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  color: var(--global-palette4);
}

/* ============================================================
   RESULTS PANEL
   ============================================================ */
.results-panel {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* Empty State */
.empty-state {
  background: var(--global-palette6);
  border: 2px dashed var(--global-palette5);
  border-radius: 16px;
  padding: 60px 40px;
  text-align: center;
}
.empty-state .es-icon { font-size: 52px; margin-bottom: 16px; opacity: 0.5; }
.empty-state h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 700;
  color: var(--global-palette3); margin-bottom: 8px;
}
.empty-state p { font-size: 14px; color: var(--global-palette4); }

/* Result Cards Grid */
.result-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
@media (max-width: 700px) { .result-cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .result-cards { grid-template-columns: 1fr; } }

.result-card {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 14px;
  padding: 18px;
  position: relative;
  overflow: hidden;
  transition: transform 0.15s, box-shadow 0.15s;
}
.result-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--card-accent, var(--global-palette1));
}
.result-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.result-card.primary { background: linear-gradient(135deg, var(--global-palette1) 0%, var(--navy-mid) 100%); border-color: transparent; }
.result-card.primary::before { background: rgba(255,255,255,0.3); }
.result-card.primary .rc-label, .result-card.primary .rc-sub { color: rgba(255,255,255,0.75); }
.result-card.primary .rc-value { color: #fff; }

.result-card.good { --card-accent: var(--global-palette9); }
.result-card.warning { --card-accent: var(--gold); }
.result-card.danger { --card-accent: var(--global-palette8); }

.rc-label { font-size: 11.5px; font-weight: 600; color: var(--global-palette4); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
.rc-value { font-family: 'Montserrat', sans-serif; font-size: 26px; font-weight: 800; color: var(--global-palette3); line-height: 1; margin-bottom: 4px; }
.rc-sub { font-size: 11.5px; color: var(--global-palette4); }

/* Verdict Banner */
.verdict-banner {
  border-radius: 12px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 14px;
  font-weight: 500;
}
.verdict-banner.excellent { background: rgba(0,135,90,0.08); border: 1.5px solid rgba(0,135,90,0.25); color: #005A3C; }
.verdict-banner.good { background: rgba(0,135,90,0.05); border: 1.5px solid rgba(0,135,90,0.15); color: #005A3C; }
.verdict-banner.average { background: rgba(217,119,6,0.08); border: 1.5px solid rgba(217,119,6,0.25); color: #92400E; }
.verdict-banner.poor { background: rgba(191,10,48,0.07); border: 1.5px solid rgba(191,10,48,0.2); color: #7F0620; }
.verdict-banner.negative { background: rgba(191,10,48,0.10); border: 1.5px solid rgba(191,10,48,0.3); color: #7F0620; }
.verdict-icon { font-size: 26px; flex-shrink: 0; }
.verdict-text strong { display: block; font-size: 15px; font-weight: 700; margin-bottom: 2px; }

/* DuPont Panel */
.dupont-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.dupont-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.dupont-formula {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 22px;
}
.dupont-factor {
  text-align: center;
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  padding: 14px 16px;
  min-width: 120px;
  position: relative;
}
.dupont-factor.roe-result {
  background: linear-gradient(135deg, var(--global-palette1), var(--navy-mid));
  border: none;
}
.dupont-factor.roe-result .df-label,
.dupont-factor.roe-result .df-name { color: rgba(255,255,255,0.8); }
.dupont-factor.roe-result .df-value { color: #fff; }
.df-label { font-size: 10.5px; font-weight: 600; color: var(--global-palette4); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px; }
.df-value { font-family: 'Montserrat', sans-serif; font-size: 20px; font-weight: 800; color: var(--global-palette3); }
.df-name { font-size: 11px; color: var(--global-palette4); margin-top: 3px; }
.dupont-operator { font-size: 22px; font-weight: 300; color: var(--global-palette4); }

/* DuPont Bar Breakdown */
.dupont-bars { display: flex; flex-direction: column; gap: 12px; }
.db-row { display: flex; align-items: center; gap: 12px; }
.db-label { font-size: 12px; font-weight: 600; color: var(--global-palette3); width: 150px; flex-shrink: 0; }
.db-bar-wrap { flex: 1; background: var(--global-palette6); border-radius: 6px; height: 10px; overflow: hidden; }
.db-bar { height: 100%; border-radius: 6px; transition: width 0.8s cubic-bezier(0.4,0,0.2,1); }
.db-val { font-size: 12px; font-weight: 700; color: var(--global-palette3); width: 60px; text-align: right; flex-shrink: 0; }
.db-status { font-size: 11px; width: 60px; text-align: center; flex-shrink: 0; }
.status-badge {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 2px 8px; border-radius: 20px; font-size: 10.5px; font-weight: 700;
}
.sb-good { background: rgba(0,135,90,0.12); color: #005A3C; }
.sb-avg  { background: rgba(217,119,6,0.12); color: #92400E; }
.sb-poor { background: rgba(191,10,48,0.10); color: #7F0620; }

/* Industry Benchmark */
.benchmark-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.benchmark-bar-wrap {
  background: var(--global-palette6);
  border-radius: 10px;
  height: 28px;
  position: relative;
  margin: 16px 0 8px;
  overflow: visible;
}
.benchmark-industry-bar {
  height: 100%;
  border-radius: 10px;
  background: linear-gradient(90deg, var(--global-palette5) 0%, #C7D0DE 100%);
  transition: width 0.8s;
}
.benchmark-your-marker {
  position: absolute;
  top: -6px;
  height: calc(100% + 12px);
  width: 3px;
  background: var(--global-palette8);
  border-radius: 2px;
  transition: left 0.8s;
}
.benchmark-your-marker::after {
  content: 'You';
  position: absolute;
  top: -18px;
  left: 50%;
  transform: translateX(-50%);
  font-size: 10px;
  font-weight: 700;
  color: var(--global-palette8);
  white-space: nowrap;
}
.benchmark-labels {
  display: flex;
  justify-content: space-between;
  font-size: 11.5px;
  color: var(--global-palette4);
}
.benchmark-verdict {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 13px; font-weight: 500;
  margin-top: 12px;
}

/* Chart Panel */
.chart-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.chart-panel canvas { max-height: 260px; }

/* Debt Warning */
.debt-warning {
  border-radius: 12px;
  padding: 16px 20px;
  border: 1.5px solid;
}
.debt-warning.safe { background: rgba(0,135,90,0.06); border-color: rgba(0,135,90,0.2); }
.debt-warning.caution { background: rgba(217,119,6,0.07); border-color: rgba(217,119,6,0.25); }
.debt-warning.danger { background: rgba(191,10,48,0.07); border-color: rgba(191,10,48,0.22); }
.dw-title { font-size: 13px; font-weight: 700; margin-bottom: 6px; display: flex; align-items: center; gap: 7px; }
.dw-safe { color: #005A3C; }
.dw-caution { color: #92400E; }
.dw-danger { color: #7F0620; }
.dw-text { font-size: 13px; line-height: 1.5; }

/* SGR Panel */
.sgr-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.sgr-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 16px; }
@media (max-width: 600px) { .sgr-inputs { grid-template-columns: 1fr; } }
.sgr-result-row {
  display: flex; align-items: center; justify-content: space-between;
  background: var(--global-palette6);
  border-radius: 10px;
  padding: 14px 18px;
  margin-top: 14px;
}
.sgr-result-label { font-size: 13px; font-weight: 600; color: var(--global-palette3); }
.sgr-result-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 24px; font-weight: 800;
  color: var(--global-palette1);
}

/* ROE vs ROA */
.compare-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.compare-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 16px; }
@media (max-width: 500px) { .compare-row { grid-template-columns: 1fr; } }
.compare-card {
  border-radius: 12px;
  padding: 18px;
  text-align: center;
}
.compare-card.roe-card { background: linear-gradient(135deg, var(--global-palette1), var(--navy-mid)); }
.compare-card.roa-card { background: linear-gradient(135deg, #0D4A8A, #1565C0); }
.compare-card .cc-label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 8px; }
.compare-card .cc-value { font-family: 'Montserrat', sans-serif; font-size: 32px; font-weight: 800; color: #fff; margin-bottom: 4px; }
.compare-card .cc-name { font-size: 12px; color: rgba(255,255,255,0.65); }
.spread-row {
  background: var(--global-palette6); border-radius: 10px;
  padding: 12px 16px; margin-top: 14px;
  display: flex; align-items: center; justify-content: space-between;
}
.spread-label { font-size: 13px; font-weight: 600; color: var(--global-palette3); }
.spread-value { font-family: 'Montserrat', sans-serif; font-size: 18px; font-weight: 800; }
.spread-note { font-size: 12px; color: var(--global-palette4); margin-top: 8px; }

/* What-If Panel */
.whatif-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.slider-group { margin-bottom: 16px; }
.slider-label-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; }
.slider-label { font-size: 13px; font-weight: 600; color: var(--global-palette3); }
.slider-val { font-size: 13px; font-weight: 700; color: var(--global-palette1); font-family: 'Montserrat', sans-serif; }
input[type="range"] {
  width: 100%; height: 6px;
  -webkit-appearance: none;
  background: var(--global-palette5);
  border-radius: 3px;
  cursor: pointer;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  background: var(--global-palette1);
  border-radius: 50%;
  border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,40,104,0.3);
  cursor: pointer;
}
.whatif-result {
  background: linear-gradient(135deg, var(--global-palette1), var(--navy-mid));
  border-radius: 12px;
  padding: 18px;
  text-align: center;
  margin-top: 16px;
  color: #fff;
}
.whatif-result .wr-label { font-size: 12px; opacity: 0.75; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
.whatif-result .wr-value { font-family: 'Montserrat', sans-serif; font-size: 36px; font-weight: 800; }
.whatif-result .wr-change { font-size: 13px; opacity: 0.8; margin-top: 4px; }

/* Improvement Plan */
.improvement-panel {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 16px;
  padding: 24px;
}
.improvement-items { display: flex; flex-direction: column; gap: 14px; margin-top: 16px; }
.improvement-item {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 14px 16px;
  background: var(--global-palette6);
  border-radius: 10px;
  border-left: 4px solid var(--item-color, var(--global-palette1));
}
.ii-icon { font-size: 22px; flex-shrink: 0; }
.ii-content { flex: 1; }
.ii-title { font-size: 13px; font-weight: 700; color: var(--global-palette3); margin-bottom: 3px; }
.ii-desc { font-size: 12.5px; color: var(--global-palette4); line-height: 1.5; }
.ii-impact {
  font-size: 11px; font-weight: 700;
  padding: 2px 8px; border-radius: 20px;
  background: rgba(0,40,104,0.08);
  color: var(--global-palette1);
  margin-top: 6px; display: inline-block;
}

/* Section sub-title */
.sub-panel-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* Hidden class */
.hidden { display: none !important; }

/* Results wrapper */
#results-wrapper { display: none; }
#results-wrapper.visible { display: flex; flex-direction: column; gap: 20px; }

/* Trend chart panel */
.trend-mode .input-panel { height: auto; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 768px) {
  .mode-tab { font-size: 12px; padding: 9px 10px; }
  .result-cards { grid-template-columns: 1fr 1fr; }
  .dupont-formula { flex-direction: column; }
  .dupont-operator { transform: rotate(90deg); }
  .dupont-factor { min-width: auto; width: 100%; }
}
/* ══════════════════════════════════════════════════
   TYPOGRAPHY CRISPNESS & CONTRAST FIX
   ══════════════════════════════════════════════════ */
/* 1. Force sharp font rendering in all browsers */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* 2. Make Input Labels Darker & Punchier */
.fg label, .rng-wrap label, .fee-item .fl {
  color: #1e293b !important; /* Deep Slate */
  font-weight: 800 !important;
}

/* 3. Make Typed Numbers Bolder and Slightly Larger */
.fg input, .fg select, .fee-amt input {
  font-weight: 600 !important;
  color: #0f172a !important; /* Almost black */
  font-size: 15px !important;
}

/* 4. Darken the $ and % prefix/suffix symbols */
.ipfx, .isfx, .fee-amt .fp {
  color: #334155 !important;
  font-weight: 800 !important;
}

/* 5. Fix Washed-Out Hint Text */
.hint, .fee-item .fs, .opt, .tl-lbl {
  color: #64748b !important; 
  font-weight: 500 !important;
}

/* 6. Make Section Titles Pop More */
.sec-ttl h2 {
  font-weight: 800 !important;
  color: var(--navy-d) !important;
  font-size: 15px !important;
}

/* 7. Darken the unselected toggle buttons */
.tgb {
  color: #475569 !important;
}
.tgb.on {
  color: #ffffff !important;
}
/* ============================================================
   USFinanceCalculators.com — Universal Card Text Visibility Fix
   
   PROBLEM: On hover, inner label text inside selector cards
   becomes invisible because no explicit color is set on child
   elements — they silently inherit an incorrect value.
   
   APPLIES TO all calculators:
   - CLV:              .bt .bl .bs
   - Equipment:        .cat-card .cl .cr
   - Turnover Cost:    .role-card .rl .rm
   - Franchise Fee:    .bracket-btn .bv .bl
   - Inventory:        .ind-card .il .ir
   - EBITDA:           .role-card .rl .rm
   
 

/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}

/* ============================================================
   END Card Visibility Fix
   ============================================================ */


/* ============================================================
   RESET & ROOT
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

:root {
  --navy:      #002868;
  --navy-dark: #00183F;
  --navy-mid:  #003580;
  --red:       #BF0A30;
  --red-hover: #9B0826;
  --green:     #00875A;
  --green-h:   #006644;
  --white:     #FFFFFF;
  --charcoal:  #1D1D1F;
  --gray-text: #5F6368;
  --border:    #E0E4E8;
  --bg-light:  #F7F9FC;
  --link-col:  #1D1D1F;
  --shadow-sm: 0 1px 4px rgba(0,40,104,0.08);
  --shadow-md: 0 4px 20px rgba(0,40,104,0.12);
  --shadow-lg: 0 8px 40px rgba(0,40,104,0.18);
}

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--gray-text);
  background: var(--bg-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ============================================================
   SCROLL PROGRESS BAR
   ============================================================ */
#scroll-progress {
  position: fixed;
  top: 0; left: 0;
  width: 0%;
  height: 3px;
  background: linear-gradient(90deg, var(--red) 0%, var(--navy) 60%, var(--green) 100%);
  z-index: 99999;
  transition: width 0.1s linear;
  border-radius: 0 2px 2px 0;
}

/* ============================================================
   TOP BAR
   ============================================================ */
.header-topbar {
  background: var(--navy-dark);
  padding: 7px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.topbar-left {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.topbar-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: rgba(255,255,255,0.65);
}
.topbar-item .t-icon { font-size: 13px; }
.topbar-item a { color: rgba(255,255,255,0.65); transition: color 0.2s; }
.topbar-item a:hover { color: var(--white); }

.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(0,135,90,0.2);
  border: 1px solid rgba(0,135,90,0.4);
  color: #4ade80;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 20px;
}
.topbar-badge .live-dot {
  width: 6px; height: 6px;
  background: #4ade80;
  border-radius: 50%;
  animation: blink 1.4s infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:0.3} }

.topbar-right { display: flex; align-items: center; gap: 14px; }
.topbar-right a {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  transition: color 0.2s;
}
.topbar-right a:hover { color: var(--white); }
.topbar-divider { color: rgba(255,255,255,0.15); }

/* ============================================================
   MAIN HEADER
   ============================================================ */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 9999;
  box-shadow: 0 2px 16px rgba(0,40,104,0.10);
  transition: box-shadow 0.3s ease;
}
.site-header.scrolled {
  box-shadow: 0 4px 32px rgba(0,40,104,0.18);
}

.header-main {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}

/* ── LOGO ── */
.header-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--red) 0%, #8B0020 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 20px;
  color: var(--white);
  box-shadow: 0 4px 12px rgba(191,10,48,0.30);
  flex-shrink: 0;
  transition: transform 0.2s, box-shadow 0.2s;
}
.header-logo:hover .logo-icon {
  transform: rotate(-4deg) scale(1.06);
  box-shadow: 0 6px 18px rgba(191,10,48,0.40);
}
.logo-text-wrap { display: flex; flex-direction: column; }
.logo-name {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 17px;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.3px;
}
.logo-name span { color: var(--red); }
.logo-tagline {
  font-family: 'Inter', sans-serif;
  font-size: 10px;
  font-weight: 500;
  color: var(--gray-text);
  letter-spacing: 0.3px;
}

/* ── SEARCH ── */
.header-search {
  flex: 1;
  max-width: 380px;
  position: relative;
}
.header-search input {
  width: 100%;
  padding: 9px 44px 9px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 13.5px;
  color: var(--link-col);
  background: var(--bg-light);
  outline: none;
  transition: border 0.2s, box-shadow 0.2s, background 0.2s;
}
.header-search input:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
  background: var(--white);
}
.header-search input::placeholder { color: #9ca3af; }
.search-icon {
  position: absolute; right: 12px; top: 50%;
  transform: translateY(-50%);
  color: var(--gray-text); font-size: 15px; pointer-events: none;
  transition: color 0.2s;
}
.header-search input:focus + .search-icon { color: var(--navy); }

/* Search Dropdown */
.search-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0; right: 0;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 10px;
  box-shadow: var(--shadow-lg);
  padding: 8px;
  display: none;
  z-index: 9998;
  animation: dropIn 0.16s ease;
}
.header-search.focused .search-dropdown { display: block; }
.search-section-label {
  font-size: 10px;
  font-weight: 700;
  color: var(--gray-text);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 6px 10px 4px;
}
.search-result-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 10px;
  border-radius: 7px;
  font-size: 13px;
  color: var(--link-col);
  cursor: pointer;
  transition: background 0.15s;
}
.search-result-item:hover { background: var(--bg-light); }
.search-result-item .sri-icon {
  width: 28px; height: 28px;
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
}
.sri-icon.biz { background: rgba(0,40,104,0.08); }
.sri-icon.inv { background: rgba(0,135,90,0.08); }
.search-result-item .sri-name { font-weight: 600; color: var(--link-col); font-size: 12.5px; }
.search-result-item .sri-cat { font-size: 11px; color: var(--gray-text); }
.search-highlight { color: var(--red); }
.search-divider { height: 1px; background: var(--border); margin: 6px 0; }

/* ── CTA BUTTONS ── */
.header-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.btn-all-tools {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 18px;
  background: var(--navy); color: var(--white);
  font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 12.5px;
  border-radius: 7px; transition: background 0.2s, transform 0.15s; white-space: nowrap;
}
.btn-all-tools:hover { background: var(--navy-mid); transform: translateY(-1px); }
.btn-free {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 9px 18px;
  background: var(--red); color: var(--white);
  font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 12.5px;
  border-radius: 7px; transition: background 0.2s, transform 0.15s; white-space: nowrap;
}
.btn-free:hover { background: var(--red-hover); transform: translateY(-1px); }

/* ── HAMBURGER ── */
.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 6px; border: none; background: none;
}
.hamburger span {
  display: block; width: 24px; height: 2.5px;
  background: var(--navy); border-radius: 2px;
  transition: all 0.3s;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ============================================================
   DESKTOP NAV BAR
   ============================================================ */
.header-nav {
  background: var(--navy);
  border-top: 3px solid var(--red);
}
.nav-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 40px;
  display: flex;
  align-items: center;
  gap: 0;
}

.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 13px 16px;
  font-family: 'Montserrat', sans-serif;
  font-size: 12.5px;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  white-space: nowrap;
  transition: color 0.2s, background 0.2s;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -3px;
  user-select: none;
}
.nav-link:hover, .nav-item:hover > .nav-link {
  color: var(--white);
  background: rgba(255,255,255,0.08);
  border-bottom-color: var(--red);
}

/* Active nav item (current section) */
.nav-item.active > .nav-link {
  color: var(--white);
  background: rgba(255,255,255,0.12);
  border-bottom-color: #4ade80;
}
.nav-item.active > .nav-link .nav-arrow { color: #4ade80; opacity: 1; }

.nav-link .nav-arrow {
  font-size: 9px;
  transition: transform 0.2s;
  opacity: 0.6;
}
.nav-item:hover > .nav-link .nav-arrow { transform: rotate(180deg); opacity: 1; }

.nav-home { margin-right: 4px; }
.nav-item-plain .nav-link { gap: 0; }

/* ── MEGA DROPDOWN ── */
.mega-dropdown {
  position: absolute;
  top: 100%; left: 0;
  min-width: 560px;
  background: var(--white);
  border-top: 3px solid var(--red);
  border-radius: 0 0 12px 12px;
  box-shadow: 0 16px 48px rgba(0,40,104,0.18);
  padding: 24px;
  display: none;
  z-index: 9998;
  animation: dropIn 0.18s ease;
}
@keyframes dropIn {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.nav-item:hover .mega-dropdown { display: block; }

.mega-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 16px; padding-bottom: 12px;
  border-bottom: 1px solid var(--border);
}
.mega-title {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700;
  color: var(--navy); display: flex; align-items: center; gap: 7px;
}
.mega-title .m-icon { font-size: 16px; }
.mega-view-all {
  font-family: 'Inter', sans-serif; font-size: 12px; font-weight: 600;
  color: var(--green); display: flex; align-items: center; gap: 3px;
  transition: color 0.2s;
}
.mega-view-all:hover { color: var(--green-h); }
.mega-view-all::after { content: " →"; }

.mega-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 4px 16px;
}
.mega-grid a {
  display: flex; align-items: center; gap: 7px;
  padding: 7px 8px;
  font-family: 'Inter', sans-serif; font-size: 12.5px;
  color: var(--gray-text);
  border-radius: 6px;
  transition: all 0.15s;
  line-height: 1.3;
}
.mega-grid a:hover {
  background: var(--bg-light);
  color: var(--navy);
  padding-left: 12px;
}
.mega-grid a.active-link {
  background: rgba(0,40,104,0.06);
  color: var(--navy);
  font-weight: 600;
}
.mega-grid a.active-link .link-dot { background: var(--red) !important; }
.mega-grid a .link-dot {
  width: 5px; height: 5px;
  background: var(--border);
  border-radius: 50%; flex-shrink: 0;
  transition: background 0.15s;
}
.mega-grid a:hover .link-dot { background: var(--red); }

.mega-dropdown.wide { min-width: 680px; }
.mega-grid.three-col { grid-template-columns: repeat(3, 1fr); }

/* ============================================================
   MOBILE MENU
   ============================================================ */
.mobile-menu {
  display: none;
  background: var(--navy-dark);
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.mobile-menu.open { max-height: 100vh; overflow-y: auto; }

.mobile-nav-section { border-bottom: 1px solid rgba(255,255,255,0.07); }
.mobile-section-toggle {
  display: flex; align-items: center; justify-content: space-between;
  padding: 13px 20px;
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700;
  color: rgba(255,255,255,0.9);
  cursor: pointer; transition: background 0.2s;
}
.mobile-section-toggle:hover { background: rgba(255,255,255,0.05); }

/* Active mobile section */
.mobile-nav-section.active-section .mobile-section-toggle {
  color: #4ade80;
}
.mobile-nav-section.active-section .mobile-section-toggle::before {
  content: '●';
  font-size: 7px;
  color: #4ade80;
  margin-right: 6px;
}

.mobile-toggle-arrow { font-size: 10px; transition: transform 0.25s; }
.mobile-nav-section.open .mobile-toggle-arrow { transform: rotate(180deg); }
.mobile-sub-links { display: none; padding: 4px 0 12px; background: rgba(0,0,0,0.15); }
.mobile-nav-section.open .mobile-sub-links { display: block; }
.mobile-sub-links a {
  display: block; padding: 8px 28px;
  font-family: 'Inter', sans-serif; font-size: 13px;
  color: rgba(255,255,255,0.60);
  transition: color 0.15s, padding-left 0.15s;
}
.mobile-sub-links a:hover { color: var(--white); padding-left: 36px; }
.mobile-sub-links a.active-link { color: #4ade80 !important; font-weight: 600; }
.mobile-view-all {
  display: block; padding: 8px 28px;
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 700;
  color: var(--green) !important;
}
.mobile-bottom-links {
  padding: 14px 20px;
  display: flex; gap: 10px; flex-wrap: wrap;
}
.mobile-bottom-links a {
  font-family: 'Inter', sans-serif; font-size: 12.5px;
  color: rgba(255,255,255,0.5);
  padding: 6px 12px; border: 1px solid rgba(255,255,255,0.12);
  border-radius: 6px; transition: all 0.2s;
}
.mobile-bottom-links a:hover { color: var(--white); border-color: rgba(255,255,255,0.3); }

/* ============================================================
   BREADCRUMB + PAGE CONTEXT STRIP
   ============================================================ */
.page-context-strip {
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

/* Breadcrumb row */
.breadcrumb-row {
  max-width: 1440px;
  margin: 0 auto;
  padding: 10px 40px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: var(--gray-text);
  flex-wrap: wrap;
}
.breadcrumb-row a {
  color: var(--gray-text);
  transition: color 0.2s;
  display: flex; align-items: center; gap: 4px;
}
.breadcrumb-row a:hover { color: var(--navy); }
.bc-sep {
  color: var(--border);
  font-size: 14px;
  margin: 0 2px;
}
.bc-current {
  color: var(--navy);
  font-weight: 600;
}

/* Hero info strip */
.page-hero-strip {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #00437A 100%);
  position: relative;
  overflow: hidden;
}
.page-hero-strip::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

/* Red accent bar at bottom of hero strip */
.page-hero-strip::after {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--red) 0%, rgba(191,10,48,0.4) 100%);
}

.hero-strip-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 20px 40px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

.hero-left { display: flex; align-items: center; gap: 18px; }

.hero-calc-icon {
  width: 52px; height: 52px;
  background: rgba(255,255,255,0.10);
  border: 1.5px solid rgba(255,255,255,0.18);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
  flex-shrink: 0;
  backdrop-filter: blur(4px);
}

.hero-text-block {}
.hero-page-label {
  font-family: 'Inter', sans-serif;
  font-size: 11px; font-weight: 600;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 4px;
  display: flex; align-items: center; gap: 6px;
}
.hero-page-label .label-cat-badge {
  display: inline-flex; align-items: center; gap: 4px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.18);
  color: rgba(255,255,255,0.75);
  font-size: 10px; font-weight: 700;
  padding: 2px 8px; border-radius: 20px;
}
.hero-calc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 20px; font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 6px;
}
.hero-calc-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.68);
  line-height: 1.5;
  max-width: 480px;
}

/* Feature badges row */
.hero-feature-badges {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  flex-shrink: 0;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 5px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.80);
  font-family: 'Inter', sans-serif;
  font-size: 11.5px; font-weight: 600;
  padding: 5px 12px; border-radius: 20px;
  white-space: nowrap;
  transition: background 0.2s, border-color 0.2s;
}
.hero-badge:hover { background: rgba(255,255,255,0.15); border-color: rgba(255,255,255,0.3); }
.hero-badge .hb-dot {
  width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0;
}
.hb-green { background: #4ade80; }
.hb-yellow { background: #facc15; }
.hb-blue { background: #60A5FA; }
.hb-red { background: #fb7185; }

/* ── Related tools row ── */
.related-tools-row {
  background: var(--bg-light);
  border-bottom: 1px solid var(--border);
}
.related-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 10px 40px;
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
  overflow: hidden;
}
.related-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 700;
  color: var(--gray-text);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
  flex-shrink: 0;
  margin-right: 6px;
}
.related-pill {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 4px 12px;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-family: 'Inter', sans-serif;
  font-size: 12px; font-weight: 500;
  color: var(--gray-text);
  white-space: nowrap;
  transition: all 0.2s;
}
.related-pill:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: rgba(0,40,104,0.04);
  transform: translateY(-1px);
}
.related-pill .rp-icon { font-size: 12px; }

/* ============================================================
   BACK TO TOP BUTTON
   ============================================================ */
#back-to-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--white);
  border: none; border-radius: 50%;
  font-size: 18px;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px rgba(0,40,104,0.3);
  opacity: 0; transform: translateY(16px);
  transition: opacity 0.3s, transform 0.3s, background 0.2s;
  z-index: 9000;
}
#back-to-top.visible { opacity: 1; transform: translateY(0); }
#back-to-top:hover { background: var(--navy-mid); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .header-search { max-width: 260px; }
  .nav-link { padding: 13px 11px; font-size: 12px; }
  .hero-feature-badges { display: none; }
}
@media (max-width: 900px) {
  .header-topbar { display: none; }
  .header-search { display: none; }
  .btn-all-tools { display: none; }
  .hamburger { display: flex; }
  .header-nav { display: none; }
  .mobile-menu { display: block; }
  .header-main { padding: 0 20px; height: 60px; }
  .breadcrumb-row, .hero-strip-inner, .related-inner { padding-left: 20px; padding-right: 20px; }
  .hero-calc-title { font-size: 16px; }
  .hero-calc-desc { display: none; }
  .hero-page-label { display: none; }
}
@media (max-width: 600px) {
  .hero-left { gap: 12px; }
  .hero-calc-icon { width: 40px; height: 40px; font-size: 18px; }
  .hero-calc-title { font-size: 15px; }
  .related-tools-row { display: none; }
}
@media (max-width: 480px) {
  .btn-free { padding: 8px 14px; font-size: 12px; }
  .logo-name { font-size: 14px; }
  .logo-tagline { display: none; }
}

/* ============================================================
   DEMO SPACER (remove in production)
   ============================================================ */
.demo-body {
  max-width: 900px;
  margin: 40px auto;
  padding: 40px;
  background: var(--white);
  border-radius: 16px;
  border: 1px solid var(--border);
  text-align: center;
}
.demo-body h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px; font-weight: 800;
  color: var(--navy); margin-bottom: 10px;
}
.demo-body p { color: var(--gray-text); font-size: 14px; line-height: 1.7; }


/* ── Section 1: What This Tool Calculates ─────────────────── */
.tb-s1 {
  background: var(--global-palette6);
  padding: 72px 20px 80px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s1 .tb-container {
  max-width: 1200px;
  margin: 0 auto;
}

/* ── Section Header ─────────────────────────────────────── */
.tb-s1-header {
  text-align: center;
  margin-bottom: 56px;
}
.tb-s1-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.14);
  border-radius: 50px;
  padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--global-palette1);
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.tb-s1-eyebrow span {
  font-size: 14px;
}
.tb-s1-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.22;
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}
.tb-s1-title em {
  font-style: normal;
  color: var(--global-palette8);
}
.tb-s1-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem);
  color: var(--global-palette4);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.75;
}
.tb-s1-desc strong { color: var(--global-palette1); font-weight: 700; }

/* ── Count Strip ─────────────────────────────────────────── */
.tb-s1-count-strip {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px;
  margin: 28px 0 0;
}
.tb-count-pill {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 7px 16px;
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: var(--global-palette3);
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
}
.tb-count-pill .cp-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.cp-green { background: var(--global-palette9); }
.cp-red   { background: var(--global-palette8); }
.cp-navy  { background: var(--global-palette1); }
.cp-gold  { background: var(--gold); }

/* ── Feature Grid ────────────────────────────────────────── */
.tb-s1-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 960px) {
  .tb-s1-grid { grid-template-columns: repeat(2, 1fr); gap: 18px; }
}
@media (max-width: 560px) {
  .tb-s1-grid { grid-template-columns: 1fr; gap: 14px; }
}

/* ── Feature Card ────────────────────────────────────────── */
.tb-feat-card {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 14px;
  padding: 26px 24px 22px;
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
  overflow: hidden;
  transition: box-shadow 0.22s, border-color 0.22s, transform 0.22s;
}
.tb-feat-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--global-palette5);
  transition: background 0.22s;
}
.tb-feat-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(0,40,104,0.2);
  transform: translateY(-3px);
}
.tb-feat-card:hover::before {
  background: var(--global-palette1);
}

/* Highlight card (DuPont — most powerful) */
.tb-feat-card.tb-card-star {
  background: linear-gradient(155deg, rgba(0,40,104,0.03) 0%, var(--global-palette7) 100%);
  border-color: rgba(0,40,104,0.22);
}
.tb-feat-card.tb-card-star::before {
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette8));
}
.tb-feat-card.tb-card-star:hover {
  border-color: rgba(0,40,104,0.35);
}

/* ── Card Icon ───────────────────────────────────────────── */
.tb-feat-icon-wrap {
  width: 46px; height: 46px;
  border-radius: 11px;
  background: rgba(0,40,104,0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 16px;
  flex-shrink: 0;
}
.tb-feat-card.tb-card-star .tb-feat-icon-wrap {
  background: rgba(0,40,104,0.1);
}

/* ── Card Body ───────────────────────────────────────────── */
.tb-feat-card-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 10px;
}
.tb-feat-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.3;
  flex: 1;
}
.tb-feat-badge {
  display: inline-block;
  padding: 2px 9px;
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  white-space: nowrap;
  flex-shrink: 0;
  margin-top: 2px;
}
.tb-badge-navy {
  background: rgba(0,40,104,0.1);
  color: var(--global-palette1);
}
.tb-badge-red {
  background: rgba(191,10,48,0.1);
  color: var(--global-palette8);
}
.tb-badge-green {
  background: rgba(0,135,90,0.1);
  color: var(--global-palette9);
}
.tb-badge-gold {
  background: rgba(217,119,6,0.1);
  color: var(--gold);
}

.tb-feat-card-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.72;
  margin-bottom: 14px;
  flex: 1;
}

/* ── Formula Chip ────────────────────────────────────────── */
.tb-feat-formula {
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 7px;
  padding: 9px 13px;
  font-family: 'Courier New', 'Courier', monospace;
  font-size: 12px;
  font-weight: 600;
  color: var(--global-palette1);
  margin-top: auto;
  letter-spacing: 0.1px;
  word-break: break-word;
}
.tb-feat-formula::before {
  content: '∫';
  font-size: 15px;
  color: var(--global-palette8);
  flex-shrink: 0;
}

/* ── Tag Row ─────────────────────────────────────────────── */
.tb-feat-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: auto;
}
.tb-feat-tag {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.1);
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  font-weight: 600;
  color: var(--global-palette1);
}

/* ── Capability Number Badge ─────────────────────────────── */
.tb-feat-num {
  position: absolute;
  top: 16px; right: 16px;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--global-palette4);
}

/* ── Bottom CTA Banner ───────────────────────────────────── */
.tb-s1-cta {
  margin-top: 52px;
  background: linear-gradient(135deg, var(--global-palette1) 0%, var(--navy-mid) 100%);
  border-radius: 16px;
  padding: 32px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.tb-s1-cta::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.tb-s1-cta::after {
  content: '';
  position: absolute;
  bottom: -40px; left: 30%;
  width: 140px; height: 140px;
  background: radial-gradient(circle, rgba(191,10,48,0.15) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.tb-cta-left {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.tb-cta-headline {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, 2vw, 1.4rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.25;
}
.tb-cta-sub {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
}
.tb-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  background: var(--global-palette8);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  border-radius: 9px;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.2s, transform 0.2s;
  position: relative;
  z-index: 1;
}
.tb-cta-btn:hover {
  background: var(--red-hover);
  transform: translateY(-2px);
}
.tb-cta-btn svg {
  transition: transform 0.2s;
}
.tb-cta-btn:hover svg {
  transform: translateY(-2px);
}

@media (max-width: 680px) {
  .tb-s1-cta {
    flex-direction: column;
    align-items: flex-start;
    padding: 28px 24px;
  }
  .tb-cta-btn { width: 100%; justify-content: center; }
}
@media (max-width: 480px) {
  .tb-s1 { padding: 48px 16px 56px; }
  .tb-s1-header { margin-bottom: 36px; }
  .tb-feat-card { padding: 20px 18px 18px; }
  .tb-s1-cta { padding: 22px 18px; }
}


/* ── Section 2: How to Use ──────────────────────────────────── */
.tb-s2 {
  background: var(--global-palette7);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s2 .tb-container {
  max-width: 1200px;
  margin: 0 auto;
}

/* ── Section Header ─────────────────────────────────────────── */
.tb-s2-header {
  text-align: center;
  margin-bottom: 64px;
}
.tb-s2-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,135,90,0.08);
  border: 1px solid rgba(0,135,90,0.2);
  border-radius: 50px;
  padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--global-palette9);
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.tb-s2-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.22;
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}
.tb-s2-title em {
  font-style: normal;
  color: var(--global-palette8);
}
.tb-s2-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem);
  color: var(--global-palette4);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.75;
}
.tb-s2-desc strong { color: var(--global-palette1); }

/* ── Time Badge ─────────────────────────────────────────────── */
.tb-s2-time-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 20px;
  padding: 8px 20px;
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--global-palette3);
}
.tb-s2-time-badge .time-icon { font-size: 16px; }

/* ── Mode Selector Tabs ─────────────────────────────────────── */
.tb-s2-mode-tabs {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.tb-s2-mode-tab {
  padding: 10px 24px;
  border: 2px solid var(--global-palette5);
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette4);
  background: var(--global-palette6);
  cursor: pointer;
  transition: all 0.2s;
  display: flex;
  align-items: center;
  gap: 7px;
}
.tb-s2-mode-tab:hover,
.tb-s2-mode-tab.tb-tab-active {
  background: var(--global-palette1);
  border-color: var(--global-palette1);
  color: #fff;
}
.tb-s2-mode-tab .tab-icon { font-size: 15px; }

/* ── Steps Container ────────────────────────────────────────── */
.tb-s2-steps-wrap {
  display: none;
  animation: tb-fadein 0.35s ease;
}
.tb-s2-steps-wrap.tb-active { display: block; }
@keyframes tb-fadein { from { opacity:0; transform:translateY(10px); } to { opacity:1; transform:translateY(0); } }

/* ── Steps Timeline Layout ──────────────────────────────────── */
.tb-steps-timeline {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 0 24px;
  position: relative;
}

/* Vertical connector line */
.tb-step-line-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
}
.tb-step-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--global-palette1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: #fff;
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(0,40,104,0.25);
  position: relative;
  z-index: 1;
}
.tb-step-circle.tb-step-final {
  background: linear-gradient(135deg, var(--global-palette9), var(--green-h));
  box-shadow: 0 4px 16px rgba(0,135,90,0.3);
}
.tb-step-connector {
  width: 2px;
  flex: 1;
  min-height: 24px;
  background: linear-gradient(to bottom, var(--global-palette1), var(--global-palette5));
  opacity: 0.3;
  margin: 4px 0;
}
.tb-step-connector.tb-conn-last { display: none; }

/* ── Step Card ──────────────────────────────────────────────── */
.tb-step-card {
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 14px;
  padding: 24px 26px;
  margin-bottom: 20px;
  position: relative;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.tb-step-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(0,40,104,0.2);
}
.tb-step-card::before {
  content: '';
  position: absolute;
  left: -1.5px; top: 18px;
  width: 3px; height: 20px;
  background: var(--global-palette1);
  border-radius: 0 2px 2px 0;
}
.tb-step-card.tb-step-card-final::before {
  background: var(--global-palette9);
}

.tb-step-card-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette9);
  text-transform: uppercase;
  letter-spacing: 0.7px;
  margin-bottom: 6px;
  display: flex;
  align-items: center;
  gap: 6px;
}
.tb-step-card-label.tb-label-red { color: var(--global-palette8); }
.tb-step-card-label.tb-label-gold { color: var(--gold); }
.tb-step-card-label.tb-label-navy { color: var(--global-palette1); }

.tb-step-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 17px;
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 10px;
  line-height: 1.3;
}
.tb-step-card-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: var(--global-palette4);
  line-height: 1.75;
  margin-bottom: 14px;
}
.tb-step-card-desc strong { color: var(--global-palette3); font-weight: 600; }

/* ── Input Preview Box ──────────────────────────────────────── */
.tb-input-preview {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 10px;
  padding: 14px 16px;
  margin-top: 4px;
}
.tb-input-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.tb-input-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 600;
  color: var(--global-palette3);
  flex: 1;
  display: flex;
  align-items: center;
  gap: 6px;
}
.tb-input-label .req-dot {
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--global-palette8);
  flex-shrink: 0;
}
.tb-input-mock {
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 7px;
  padding: 6px 12px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette1);
  min-width: 110px;
  text-align: right;
  white-space: nowrap;
}
.tb-input-mock .currency { color: var(--global-palette4); font-weight: 400; margin-right: 2px; }

/* ── Tip Box ────────────────────────────────────────────────── */
.tb-step-tip {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 8px;
  padding: 12px 14px;
  margin-top: 12px;
}
.tb-step-tip .tip-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.tb-step-tip p {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.65;
  margin: 0;
}
.tb-step-tip p strong { color: var(--global-palette1); }

.tb-step-tip.tip-green {
  background: rgba(0,135,90,0.05);
  border-color: rgba(0,135,90,0.18);
}
.tb-step-tip.tip-green .tip-icon { }
.tb-step-tip.tip-green p strong { color: var(--global-palette9); }

.tb-step-tip.tip-red {
  background: rgba(191,10,48,0.04);
  border-color: rgba(191,10,48,0.14);
}
.tb-step-tip.tip-red p strong { color: var(--global-palette8); }

/* ── Result Preview Card ────────────────────────────────────── */
.tb-result-preview {
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 10px;
  padding: 16px;
  margin-top: 4px;
}
.tb-result-preview-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--global-palette4);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--global-palette5);
}
.tb-result-row-mock {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px dashed var(--global-palette5);
}
.tb-result-row-mock:last-child { border-bottom: none; }
.tb-result-row-mock span:first-child {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  color: var(--global-palette4);
}
.tb-result-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 6px;
}
.rv-green { background: rgba(0,135,90,0.1); color: var(--global-palette9); }
.rv-navy  { background: rgba(0,40,104,0.08); color: var(--global-palette1); }
.rv-red   { background: rgba(191,10,48,0.08); color: var(--global-palette8); }
.rv-gold  { background: rgba(217,119,6,0.1); color: var(--gold); }

/* ── Mode Tip Panel ─────────────────────────────────────────── */
.tb-mode-tip-panel {
  background: linear-gradient(135deg, rgba(0,40,104,0.04), rgba(0,40,104,0.02));
  border: 1.5px solid rgba(0,40,104,0.12);
  border-radius: 14px;
  padding: 24px 28px;
  margin-top: 32px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.tb-mode-tip-icon {
  font-size: 28px;
  flex-shrink: 0;
  margin-top: 2px;
}
.tb-mode-tip-content {}
.tb-mode-tip-content h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 8px;
}
.tb-mode-tip-content p {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.7;
  margin: 0;
}
.tb-mode-tip-content p strong { color: var(--global-palette1); }

/* ── Which Mode Should I Use? ───────────────────────────────── */
.tb-which-mode {
  margin-top: 64px;
}
.tb-which-mode-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.2rem, 2.5vw, 1.6rem);
  font-weight: 800;
  color: var(--global-palette1);
  text-align: center;
  margin-bottom: 8px;
}
.tb-which-mode-sub {
  text-align: center;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: var(--global-palette4);
  margin-bottom: 32px;
}
.tb-which-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
@media (max-width: 860px) {
  .tb-which-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .tb-which-grid { grid-template-columns: 1fr; }
}
.tb-which-card {
  background: var(--global-palette6);
  border: 2px solid var(--global-palette5);
  border-radius: 14px;
  padding: 22px 18px 20px;
  text-align: center;
  transition: all 0.22s;
  cursor: default;
}
.tb-which-card:hover {
  border-color: var(--global-palette1);
  background: var(--global-palette7);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.tb-which-icon { font-size: 32px; margin-bottom: 12px; }
.tb-which-mode-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 10px;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}
.tb-which-use-when {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette9);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}
.tb-which-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.65;
}

/* ── Quick Facts Strip ──────────────────────────────────────── */
.tb-s2-facts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 52px;
  padding-top: 40px;
  border-top: 1px solid var(--global-palette5);
}
@media (max-width: 680px) {
  .tb-s2-facts { grid-template-columns: 1fr; gap: 12px; }
}
.tb-fact-card {
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 12px;
  padding: 20px 18px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.tb-fact-icon-wrap {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: rgba(0,40,104,0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.tb-fact-body {}
.tb-fact-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1;
  margin-bottom: 4px;
}
.tb-fact-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.5;
}

/* ── Mobile Responsive ──────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-s2 { padding: 52px 16px 60px; }
  .tb-s2-header { margin-bottom: 40px; }
  .tb-steps-timeline { grid-template-columns: 40px 1fr; gap: 0 16px; }
  .tb-step-circle { width: 40px; height: 40px; font-size: 16px; }
  .tb-step-card { padding: 18px 16px; }
  .tb-mode-tip-panel { flex-direction: column; gap: 12px; padding: 18px; }
  .tb-which-mode { margin-top: 44px; }
}
@media (max-width: 480px) {
  .tb-s2-mode-tabs { gap: 8px; }
  .tb-s2-mode-tab { padding: 8px 16px; font-size: 12px; }
  .tb-input-row { flex-direction: column; align-items: flex-start; gap: 4px; }
  .tb-input-mock { min-width: auto; width: 100%; }
}



/* ── Section 3: Understanding ROE ──────────────────────────── */
.tb-s3 {
  background: var(--global-palette6);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s3 .tb-s3-container {
  max-width: 1200px;
  margin: 0 auto;
}

/* ── Section Header ─────────────────────────────────────────── */
.tb-s3-header {
  text-align: center;
  margin-bottom: 64px;
}
.tb-s3-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(191,10,48,0.07);
  border: 1px solid rgba(191,10,48,0.18);
  border-radius: 50px;
  padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--global-palette8);
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.tb-s3-main-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.22;
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}
.tb-s3-main-title em {
  font-style: normal;
  color: var(--global-palette8);
}
.tb-s3-intro {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem);
  color: var(--global-palette4);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.75;
}
.tb-s3-intro strong { color: var(--global-palette1); }

/* ── Two-Column Body Layout ─────────────────────────────────── */
.tb-s3-body {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 40px;
  align-items: start;
}
@media (max-width: 960px) {
  .tb-s3-body { grid-template-columns: 1fr; gap: 32px; }
}

/* ── Left: Article Content ──────────────────────────────────── */
.tb-s3-article {}

/* Section blocks */
.tb-s3-block {
  margin-bottom: 48px;
}
.tb-s3-block:last-child { margin-bottom: 0; }

.tb-s3-block-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--global-palette5);
  display: flex;
  align-items: center;
  gap: 10px;
}
.tb-s3-block-title .block-icon {
  width: 34px; height: 34px;
  border-radius: 8px;
  background: rgba(0,40,104,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 17px;
  flex-shrink: 0;
}

.tb-s3-block p {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 15px;
  color: var(--global-palette4);
  line-height: 1.8;
  margin-bottom: 16px;
}
.tb-s3-block p:last-child { margin-bottom: 0; }
.tb-s3-block p strong { color: var(--global-palette3); font-weight: 600; }
.tb-s3-block p a {
  color: var(--global-palette1);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
.tb-s3-block p a:hover { color: var(--global-palette8); }

/* ── Formula Hero Box ───────────────────────────────────────── */
.tb-s3-formula-hero {
  background: var(--global-palette7);
  border: 2px solid var(--global-palette5);
  border-radius: 16px;
  padding: 32px;
  margin: 28px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.tb-s3-formula-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette8));
}
.tb-s3-formula-hero-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette4);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 16px;
}
/* MOBILE FIX: Allow formula to wrap seamlessly */
.tb-s3-formula-display {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 6px 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, 2.5vw, 1.5rem);
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 20px;
  line-height: 1.4;
}
.tb-s3-formula-display .fml-op {
  color: var(--global-palette8);
}
.tb-s3-formula-display .fml-result {
  background: rgba(0,40,104,0.07);
  border: 1.5px solid rgba(0,40,104,0.15);
  border-radius: 8px;
  padding: 4px 16px;
}
.tb-s3-formula-parts {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 8px;
}
.tb-s3-formula-part {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}
.fml-part-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--global-palette1);
  background: rgba(0,40,104,0.07);
  border-radius: 6px;
  padding: 5px 12px;
}
.fml-part-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  color: var(--global-palette4);
  font-weight: 500;
}
.fml-divide {
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 800;
  color: var(--global-palette8);
  align-self: center;
  margin: 0 -4px;
}

/* ── History Timeline ───────────────────────────────────────── */
.tb-s3-history {
  position: relative;
  padding-left: 28px;
  margin: 20px 0;
}
.tb-s3-history::before {
  content: '';
  position: absolute;
  left: 7px; top: 8px; bottom: 8px;
  width: 2px;
  background: linear-gradient(to bottom, var(--global-palette1), var(--global-palette5));
}
.tb-hist-item {
  position: relative;
  margin-bottom: 24px;
  padding-left: 20px;
}
.tb-hist-item::before {
  content: '';
  position: absolute;
  left: -21px; top: 7px;
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--global-palette1);
  border: 2px solid var(--global-palette7);
  box-shadow: 0 0 0 2px var(--global-palette1);
}
.tb-hist-year {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--global-palette8);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}
.tb-hist-text {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: var(--global-palette4);
  line-height: 1.7;
  margin: 0 !important;
}
.tb-hist-text strong { color: var(--global-palette3); font-weight: 600; }

/* ── Highlight Callout ──────────────────────────────────────── */
.tb-s3-callout {
  border-radius: 12px;
  padding: 20px 22px;
  margin: 24px 0;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.tb-s3-callout.co-navy {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.14);
}
.tb-s3-callout.co-green {
  background: rgba(0,135,90,0.05);
  border: 1.5px solid rgba(0,135,90,0.16);
}
.tb-s3-callout.co-red {
  background: rgba(191,10,48,0.04);
  border: 1.5px solid rgba(191,10,48,0.14);
}
.tb-s3-callout.co-gold {
  background: rgba(217,119,6,0.05);
  border: 1.5px solid rgba(217,119,6,0.18);
}
.co-icon { font-size: 20px; flex-shrink: 0; margin-top: 1px; }
.co-body {}
.co-body strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  display: block;
  margin-bottom: 5px;
}
.co-navy .co-body strong  { color: var(--global-palette1); }
.co-green .co-body strong { color: var(--global-palette9); }
.co-red .co-body strong   { color: var(--global-palette8); }
.co-gold .co-body strong  { color: var(--gold); }
.co-body p {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.7;
  margin: 0 !important;
}
.co-body p strong { color: var(--global-palette3); font-weight: 600; font-size: inherit; display: inline; margin-bottom: 0; }

/* ── Three Pillars Grid ─────────────────────────────────────── */
.tb-s3-pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 24px 0;
}
@media (max-width: 600px) {
  .tb-s3-pillars { grid-template-columns: 1fr; }
}
.tb-pillar {
  background: var(--global-palette7);
  border: 2px solid var(--global-palette5);
  border-radius: 12px;
  padding: 20px 16px;
  text-align: center;
  transition: all 0.22s;
}
.tb-pillar:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}
.tb-pillar:nth-child(1) { border-top: 3px solid var(--global-palette9); }
.tb-pillar:nth-child(2) { border-top: 3px solid var(--gold); }
.tb-pillar:nth-child(3) { border-top: 3px solid var(--global-palette8); }
.tb-pillar-icon { font-size: 28px; margin-bottom: 10px; }
.tb-pillar-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.3px;
}
.tb-pillar-metric {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette4);
  margin-bottom: 10px;
  font-style: italic;
}
.tb-pillar-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.65;
}

/* ── MOBILE FIX: Who Uses ROE Table Wrapper ─────────────────── */
.tb-s3-table-wrap {
  width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 20px 0;
  border-radius: 10px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--global-palette5);
  background: var(--global-palette7);
}
.tb-s3-use-table {
  width: 100%;
  border-collapse: collapse;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13.5px;
  min-width: 650px; /* Forces scroll on mobile */
  margin: 0;
}
.tb-s3-use-table thead tr {
  background: var(--global-palette1);
  color: #fff;
}
.tb-s3-use-table thead th {
  padding: 13px 16px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.tb-s3-use-table tbody tr {
  border-bottom: 1px solid var(--global-palette5);
  transition: background 0.15s;
}
.tb-s3-use-table tbody tr:last-child { border-bottom: none; }
.tb-s3-use-table tbody tr:nth-child(even) { background: var(--global-palette6); }
.tb-s3-use-table tbody tr:hover { background: rgba(0,40,104,0.04); }
.tb-s3-use-table td {
  padding: 12px 16px;
  color: var(--global-palette4);
  line-height: 1.5;
  vertical-align: top;
}
.tb-s3-use-table td:first-child {
  font-weight: 700;
  color: var(--global-palette1);
  white-space: nowrap;
}
.tb-s3-use-table td .user-icon { font-size: 15px; margin-right: 6px; }

/* ── Limitation Cards ───────────────────────────────────────── */
.tb-s3-limits {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 20px 0;
}
.tb-limit-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 10px;
  padding: 16px 18px;
  transition: box-shadow 0.2s;
}
.tb-limit-item:hover { box-shadow: var(--shadow-sm); }
.tb-limit-num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(191,10,48,0.1);
  border: 1.5px solid rgba(191,10,48,0.2);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 12px; font-weight: 800;
  color: var(--global-palette8);
  flex-shrink: 0;
}
.tb-limit-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--global-palette1);
  margin-bottom: 5px;
}
.tb-limit-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.65;
  margin: 0;
}
.tb-limit-desc strong { color: var(--global-palette3); font-weight: 600; }

/* ── Right Sidebar ──────────────────────────────────────────── */
.tb-s3-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* Sticky wrapper */
.tb-s3-sidebar-sticky {
  position: sticky;
  top: 90px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* Quick Reference Card */
.tb-s3-ref-card {
  background: var(--global-palette7);
  border: 2px solid var(--global-palette5);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.tb-s3-ref-card-head {
  background: var(--global-palette1);
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.tb-s3-ref-card-head span {
  font-size: 18px;
}
.tb-s3-ref-card-head h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: #fff;
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.tb-s3-ref-body {
  padding: 14px 16px;
}
.tb-s3-ref-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--global-palette5);
  gap: 8px;
}
.tb-s3-ref-row:last-child { border-bottom: none; }
.tb-s3-ref-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.4;
  flex: 1;
}
.tb-s3-ref-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  padding: 3px 10px;
  border-radius: 6px;
  white-space: nowrap;
}
.rv3-green { background: rgba(0,135,90,0.1);  color: var(--global-palette9); }
.rv3-gold  { background: rgba(217,119,6,0.1);  color: var(--gold); }
.rv3-navy  { background: rgba(0,40,104,0.08);  color: var(--global-palette1); }
.rv3-red   { background: rgba(191,10,48,0.08); color: var(--global-palette8); }

/* Industry Snapshot Card */
.tb-s3-industry-card {
  background: var(--global-palette7);
  border: 2px solid var(--global-palette5);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.tb-s3-industry-card-head {
  background: linear-gradient(135deg, var(--global-palette1), var(--navy-mid));
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.tb-s3-industry-card-head h4 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: #fff;
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.tb-s3-industry-body { padding: 14px 16px; }
.tb-s3-ind-row {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid var(--global-palette5);
}
.tb-s3-ind-row:last-child { border-bottom: none; }
.tb-s3-ind-name {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  color: var(--global-palette4);
  flex: 1;
  line-height: 1.3;
}
.tb-s3-ind-bar-wrap {
  flex: 1;
  background: var(--global-palette6);
  border-radius: 50px;
  height: 6px;
  overflow: hidden;
}
.tb-s3-ind-bar {
  height: 100%;
  border-radius: 50px;
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette8));
}
.tb-s3-ind-pct {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--global-palette1);
  min-width: 38px;
  text-align: right;
}

/* Buffett Quote Card */
.tb-s3-quote-card {
  background: linear-gradient(135deg, var(--global-palette1) 0%, var(--navy-mid) 100%);
  border-radius: 14px;
  padding: 24px 22px;
  position: relative;
  overflow: hidden;
}
.tb-s3-quote-card::before {
  content: '\201C';
  position: absolute;
  top: -10px; left: 12px;
  font-family: 'Montserrat', sans-serif;
  font-size: 96px;
  font-weight: 800;
  color: rgba(255,255,255,0.07);
  line-height: 1;
  pointer-events: none;
}
.tb-s3-quote-text {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: rgba(255,255,255,0.9);
  line-height: 1.75;
  margin-bottom: 16px;
  font-style: italic;
  position: relative;
  z-index: 1;
}
.tb-s3-quote-attr {
  display: flex;
  align-items: center;
  gap: 10px;
  position: relative;
  z-index: 1;
}
.tb-s3-quote-avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.tb-s3-quote-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: #fff;
}
.tb-s3-quote-title-attr {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  color: rgba(255,255,255,0.6);
}

/* Key Takeaway Card */
.tb-s3-takeaway {
  background: rgba(0,135,90,0.06);
  border: 2px solid rgba(0,135,90,0.2);
  border-radius: 14px;
  padding: 20px 18px;
}
.tb-s3-takeaway-head {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  color: var(--global-palette9);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 7px;
}
.tb-s3-takeaway ul {
  list-style: none;
  padding: 0; margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.tb-s3-takeaway ul li {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.tb-s3-takeaway ul li::before {
  content: '✓';
  font-weight: 700;
  color: var(--global-palette9);
  flex-shrink: 0;
  margin-top: 1px;
}
.tb-s3-takeaway ul li strong { color: var(--global-palette1); font-weight: 600; }

/* ── MOBILE OPTIMIZATION PATCH ──────────────────────────────── */
@media (max-width: 700px) {
  .tb-s3 { padding: 52px 16px 60px; }
  .tb-s3-header { margin-bottom: 40px; }
  .tb-s3-formula-hero { padding: 20px 16px; }
  .tb-s3-formula-parts { gap: 8px; }
  .fml-part-name { font-size: 11px; padding: 4px 10px; }
  .tb-s3-pillars { gap: 12px; }
}
@media (max-width: 480px) {
  .tb-s3-callout { flex-direction: column; gap: 10px; padding: 16px; }
  .tb-s3-ref-row { flex-direction: column; align-items: flex-start; gap: 6px; }
  .tb-s3-ref-val { align-self: flex-start; }
  .tb-s3-ind-row { flex-wrap: wrap; }
  .tb-s3-ind-bar-wrap { min-width: 100px; }
}


/* ── Section 4: ROE Formulas & Methods ─────────────────────── */
.tb-s4 {
  background: var(--global-palette7);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s4-container {
  max-width: 1200px;
  margin: 0 auto;
}

/* ── Header ─────────────────────────────────────────────────── */
.tb-s4-header {
  text-align: center;
  margin-bottom: 64px;
}
.tb-s4-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(217,119,6,0.08);
  border: 1px solid rgba(217,119,6,0.22);
  border-radius: 50px;
  padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.tb-s4-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem);
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.22;
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}
.tb-s4-title em { font-style: normal; color: var(--global-palette8); }
.tb-s4-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem);
  color: var(--global-palette4);
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.75;
}
.tb-s4-desc strong { color: var(--global-palette1); }

/* ── Method Nav Pills ───────────────────────────────────────── */
.tb-s4-nav {
  display: flex;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}
.tb-s4-nav-pill {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 8px 20px;
  background: var(--global-palette6);
  border: 2px solid var(--global-palette5);
  border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette4);
  text-decoration: none;
  transition: all 0.2s;
  white-space: nowrap;
}
.tb-s4-nav-pill:hover {
  background: var(--global-palette1);
  border-color: var(--global-palette1);
  color: #fff;
  transform: translateY(-2px);
}

/* ── Formula Block ──────────────────────────────────────────── */
.tb-s4-formula-block {
  margin-bottom: 56px;
  scroll-margin-top: 24px;
}
.tb-s4-formula-block:last-child { margin-bottom: 0; }

/* Block header bar */
.tb-s4-block-bar {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 2px solid var(--global-palette5);
}
.tb-s4-block-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--global-palette1);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 800;
  color: #fff;
  flex-shrink: 0;
  box-shadow: 0 4px 14px rgba(0,40,104,0.25);
}
.tb-s4-block-num.num-green { background: var(--global-palette9); box-shadow: 0 4px 14px rgba(0,135,90,0.3); }
.tb-s4-block-num.num-red   { background: var(--global-palette8); box-shadow: 0 4px 14px rgba(191,10,48,0.3); }

.tb-s4-block-meta {}
.tb-s4-block-tag {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 4px;
}
.tag-navy  { color: var(--global-palette1); }
.tag-green { color: var(--global-palette9); }
.tag-red   { color: var(--global-palette8); }
.tag-gold  { color: var(--gold); }

.tb-s4-block-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  font-weight: 800;
  color: var(--global-palette1);
  line-height: 1.25;
}

/* Two-col layout inside each block */
.tb-s4-block-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}
@media (max-width: 820px) {
  .tb-s4-block-inner { grid-template-columns: 1fr; gap: 20px; }
}

/* ── Formula Card ───────────────────────────────────────────── */
.tb-s4-fml-card {
  background: var(--global-palette6);
  border: 2px solid var(--global-palette5);
  border-radius: 16px;
  overflow: hidden;
}
.tb-s4-fml-card-top {
  background: linear-gradient(135deg, var(--global-palette1) 0%, var(--navy-mid) 100%);
  padding: 22px 24px 18px;
  position: relative;
  overflow: hidden;
}
.tb-s4-fml-card-top::after {
  content: '';
  position: absolute;
  bottom: -30px; right: -20px;
  width: 120px; height: 120px;
  background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.tb-s4-fml-card-top.top-green { background: linear-gradient(135deg, var(--global-palette9) 0%, var(--green-h) 100%); }
.tb-s4-fml-card-top.top-red   { background: linear-gradient(135deg, var(--global-palette8) 0%, var(--red-hover) 100%); }
.tb-s4-fml-card-top.top-gold  { background: linear-gradient(135deg, var(--gold) 0%, #b45309 100%); }

.tb-s4-fml-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px; font-weight: 700;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase; letter-spacing: 0.7px;
  margin-bottom: 10px;
}
.tb-s4-fml-main {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1rem, 2vw, 1.25rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.4;
  position: relative; z-index: 1;
}
.tb-s4-fml-main .fml-sep {
  color: rgba(255,255,255,0.5);
  margin: 0 6px;
  font-weight: 400;
}
.tb-s4-fml-result-label {
  display: inline-block;
  margin-top: 10px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 6px;
  padding: 4px 12px;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12px; font-weight: 700;
  color: rgba(255,255,255,0.9);
  position: relative; z-index: 1;
}

/* Formula variables breakdown */
.tb-s4-fml-vars {
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.tb-s4-fml-var {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 11px 0;
  border-bottom: 1px dashed var(--global-palette5);
}
.tb-s4-fml-var:last-child { border-bottom: none; }
.fv-symbol {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px; font-weight: 800;
  color: var(--global-palette1);
  min-width: 120px;
  flex-shrink: 0;
}
.fv-symbol.fvs-green { color: var(--global-palette9); }
.fv-symbol.fvs-red   { color: var(--global-palette8); }
.fv-symbol.fvs-gold  { color: var(--gold); }
.fv-def {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.fv-def strong { color: var(--global-palette3); font-weight: 600; }

/* ── Explanation Side ───────────────────────────────────────── */
.tb-s4-explain {}
.tb-s4-explain p {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14.5px;
  color: var(--global-palette4);
  line-height: 1.8;
  margin-bottom: 16px;
}
.tb-s4-explain p:last-child { margin-bottom: 0; }
.tb-s4-explain p strong { color: var(--global-palette3); font-weight: 600; }

/* ── Worked Example Box ─────────────────────────────────────── */
.tb-s4-example {
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 12px;
  overflow: hidden;
  margin-top: 16px;
}
.tb-s4-example-head {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 11px 16px;
  background: rgba(0,40,104,0.06);
  border-bottom: 1px solid var(--global-palette5);
  font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 800;
  color: var(--global-palette1);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.tb-s4-example-body {
  padding: 14px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.tb-s4-ex-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}
.tb-s4-ex-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  flex: 1;
}
.tb-s4-ex-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px; font-weight: 800;
  padding: 3px 10px;
  border-radius: 6px;
  white-space: nowrap;
}
.ev-navy  { background: rgba(0,40,104,0.08);  color: var(--global-palette1); }
.ev-green { background: rgba(0,135,90,0.1);   color: var(--global-palette9); }
.ev-gold  { background: rgba(217,119,6,0.1);  color: var(--gold); }
.ev-red   { background: rgba(191,10,48,0.08); color: var(--global-palette8); }
.tb-s4-ex-divider {
  height: 1px;
  background: var(--global-palette5);
  margin: 4px 0;
}
.tb-s4-ex-answer {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5);
  border-radius: 8px;
  padding: 10px 14px;
  margin-top: 4px;
}
.tb-s4-ex-answer-label {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px; font-weight: 800;
  color: var(--global-palette1);
}
.tb-s4-ex-answer-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 18px; font-weight: 800;
  color: var(--global-palette9);
}

/* ── Callout Strips ─────────────────────────────────────────── */
.tb-s4-callout {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  border-radius: 10px;
  padding: 16px 18px;
  margin-top: 16px;
}
.tb-s4-callout.co4-navy {
  background: rgba(0,40,104,0.05);
  border: 1.5px solid rgba(0,40,104,0.13);
}
.tb-s4-callout.co4-green {
  background: rgba(0,135,90,0.05);
  border: 1.5px solid rgba(0,135,90,0.16);
}
.tb-s4-callout.co4-red {
  background: rgba(191,10,48,0.04);
  border: 1.5px solid rgba(191,10,48,0.14);
}
.tb-s4-callout.co4-gold {
  background: rgba(217,119,6,0.05);
  border: 1.5px solid rgba(217,119,6,0.18);
}
.co4-ico { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.co4-body {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.7;
}
.co4-body strong { font-weight: 700; }
.co4-navy  .co4-body strong { color: var(--global-palette1); }
.co4-green .co4-body strong { color: var(--global-palette9); }
.co4-red   .co4-body strong { color: var(--global-palette8); }
.co4-gold  .co4-body strong { color: var(--gold); }

/* ── DuPont Driver Bars ─────────────────────────────────────── */
.tb-s4-dupont-visual {
  background: var(--global-palette6);
  border: 1.5px solid var(--global-palette5);
  border-radius: 12px;
  padding: 18px 20px;
  margin-top: 16px;
}
.tb-s4-dupont-visual-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 800;
  color: var(--global-palette4);
  text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--global-palette5);
}
.tb-s4-driver {
  margin-bottom: 14px;
}
.tb-s4-driver:last-child { margin-bottom: 0; }
.tb-s4-driver-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 6px;
}
.tb-s4-driver-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px; font-weight: 800;
  color: var(--global-palette1);
}
.tb-s4-driver-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px; font-weight: 800;
  color: var(--global-palette4);
}
.tb-s4-driver-bar-wrap {
  background: var(--global-palette5);
  border-radius: 50px;
  height: 8px;
  overflow: hidden;
}
.tb-s4-driver-bar {
  height: 100%;
  border-radius: 50px;
  transition: width 0.6s ease;
}
.db-green { background: linear-gradient(90deg, var(--global-palette9), #34d399); }
.db-gold  { background: linear-gradient(90deg, var(--gold), #fbbf24); }
.db-red   { background: linear-gradient(90deg, var(--global-palette8), #f87171); }
.tb-s4-driver-sub {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 11px;
  color: var(--global-palette4);
  margin-top: 4px;
}

/* ── Method Comparison Table ────────────────────────────────── */
.tb-s4-compare-section {
  margin-top: 64px;
  padding-top: 52px;
  border-top: 2px solid var(--global-palette5);
}
.tb-s4-compare-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.2rem, 2.5vw, 1.65rem);
  font-weight: 800;
  color: var(--global-palette1);
  text-align: center;
  margin-bottom: 10px;
}
.tb-s4-compare-sub {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 14px;
  color: var(--global-palette4);
  text-align: center;
  margin-bottom: 32px;
  line-height: 1.6;
}
.tb-s4-compare-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
}
.tb-s4-compare-table {
  width: 100%;
  border-collapse: collapse;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 13.5px;
  min-width: 640px;
}
.tb-s4-compare-table thead tr {
  background: var(--global-palette1);
}
.tb-s4-compare-table thead th {
  padding: 14px 18px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px; font-weight: 800;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
}
.tb-s4-compare-table thead th:first-child { border-radius: 12px 0 0 0; }
.tb-s4-compare-table thead th:last-child  { border-radius: 0 12px 0 0; }
.tb-s4-compare-table tbody tr {
  border-bottom: 1px solid var(--global-palette5);
  transition: background 0.15s;
}
.tb-s4-compare-table tbody tr:nth-child(even) { background: var(--global-palette6); }
.tb-s4-compare-table tbody tr:hover { background: rgba(0,40,104,0.03); }
.tb-s4-compare-table td {
  padding: 13px 18px;
  color: var(--global-palette4);
  line-height: 1.5;
  vertical-align: top;
}
.tb-s4-compare-table td:first-child {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px; font-weight: 800;
  color: var(--global-palette1);
}
.tb-s4-compare-table .td-check { color: var(--global-palette9); font-size: 15px; font-weight: 700; }
.tb-s4-compare-table .td-cross { color: var(--global-palette8); font-size: 15px; }
.tb-s4-compare-table .td-warn  { color: var(--gold); font-size: 14px; }

/* ── When to Use Each Method ────────────────────────────────── */
.tb-s4-when-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 32px;
}
@media (max-width: 800px) { .tb-s4-when-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .tb-s4-when-grid { grid-template-columns: 1fr; } }

.tb-s4-when-card {
  background: var(--global-palette6);
  border: 2px solid var(--global-palette5);
  border-radius: 14px;
  overflow: hidden;
  transition: all 0.22s;
}
.tb-s4-when-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(0,40,104,0.2);
}
.tb-s4-when-head {
  padding: 14px 18px 12px;
  border-bottom: 2px solid;
}
.wh-navy  .tb-s4-when-head { border-color: var(--global-palette1); background: rgba(0,40,104,0.05); }
.wh-green .tb-s4-when-head { border-color: var(--global-palette9); background: rgba(0,135,90,0.05); }
.wh-gold  .tb-s4-when-head { border-color: var(--gold);            background: rgba(217,119,6,0.05); }
.tb-s4-when-icon { font-size: 22px; margin-bottom: 8px; }
.tb-s4-when-method {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px; font-weight: 800;
  color: var(--global-palette1);
  text-transform: uppercase;
  letter-spacing: 0.3px;
}
.tb-s4-when-body { padding: 14px 18px; }
.tb-s4-when-use-label {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 10px; font-weight: 700;
  color: var(--global-palette9);
  text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 8px;
}
.tb-s4-when-list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 7px;
}
.tb-s4-when-list li {
  display: flex; gap: 7px; align-items: flex-start;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.5;
}
.tb-s4-when-list li::before {
  content: '→';
  color: var(--global-palette8);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-s4 { padding: 52px 16px 60px; }
  .tb-s4-header { margin-bottom: 40px; }
  .tb-s4-fml-card-top { padding: 18px; }
  .tb-s4-fml-main { font-size: 0.95rem; }
  .tb-s4-formula-block { margin-bottom: 40px; }
  .tb-s4-compare-section { margin-top: 44px; padding-top: 36px; }
  .fv-symbol { min-width: 90px; }
}


/* ── Section 5: Industry Benchmarks 2026 ───────────────────── */
.tb-s5 {
  background: var(--global-palette6);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s5-container { max-width: 1200px; margin: 0 auto; }

/* ── Header ─────────────────────────────────────────────────── */
.tb-s5-header { text-align: center; margin-bottom: 52px; }
.tb-s5-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,135,90,0.07); border: 1px solid rgba(0,135,90,0.2);
  border-radius: 50px; padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette9); letter-spacing: 0.6px; text-transform: uppercase; margin-bottom: 18px;
}
.tb-s5-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.22; margin-bottom: 18px; letter-spacing: -0.3px;
}
.tb-s5-title em { font-style: normal; color: var(--global-palette8); }
.tb-s5-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem); color: var(--global-palette4);
  max-width: 700px; margin: 0 auto; line-height: 1.75;
}
.tb-s5-desc strong { color: var(--global-palette1); }

/* ── KPI Strip ──────────────────────────────────────────────── */
.tb-s5-kpi-strip {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 16px; margin-bottom: 40px;
}
@media (max-width: 800px) { .tb-s5-kpi-strip { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .tb-s5-kpi-strip { grid-template-columns: repeat(2, 1fr); gap: 10px; } }
.tb-s5-kpi {
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  border-radius: 14px; padding: 20px 18px; text-align: center; transition: all 0.2s;
}
.tb-s5-kpi:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.tb-s5-kpi-icon { font-size: 24px; margin-bottom: 8px; }
.tb-s5-kpi-val {
  font-family: 'Montserrat', sans-serif; font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800;
  color: var(--global-palette1); margin-bottom: 4px; line-height: 1;
}
.tb-s5-kpi-val.kv-green { color: var(--global-palette9); }
.tb-s5-kpi-val.kv-red   { color: var(--global-palette8); }
.tb-s5-kpi-val.kv-gold  { color: var(--gold); }
.tb-s5-kpi-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11.5px; font-weight: 600;
  color: var(--global-palette4); line-height: 1.4;
}

/* ── Controls Bar ───────────────────────────────────────────── */
.tb-s5-controls {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  margin-bottom: 24px; padding: 16px 20px;
  background: var(--global-palette7); border: 2px solid var(--global-palette5); border-radius: 14px;
}
.tb-s5-search-wrap {
  flex: 1; min-width: 200px; position: relative;
}
.tb-s5-search-icon {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  font-size: 14px; pointer-events: none; opacity: 0.5;
}
.tb-s5-search {
  width: 100%; padding: 9px 12px 9px 34px;
  background: var(--global-palette6); border: 1.5px solid var(--global-palette5);
  border-radius: 8px; font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px;
  color: var(--global-palette3); outline: none; transition: all 0.2s;
}
.tb-s5-search:focus { border-color: var(--global-palette1); box-shadow: 0 0 0 3px rgba(0,40,104,0.1); }
.tb-s5-search::placeholder { color: var(--global-palette4); }

.tb-s5-filter-group { display: flex; gap: 8px; flex-wrap: wrap; }
.tb-s5-filter-btn {
  padding: 8px 14px; border-radius: 8px;
  background: var(--global-palette6); border: 1.5px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette4); cursor: pointer; transition: all 0.18s; white-space: nowrap;
}
.tb-s5-filter-btn:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.tb-s5-filter-btn.s5-active {
  background: var(--global-palette1); border-color: var(--global-palette1); color: #fff;
}
.tb-s5-sort-select {
  padding: 8px 12px; border-radius: 8px;
  background: var(--global-palette6); border: 1.5px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px; font-weight: 600;
  color: var(--global-palette3); cursor: pointer; outline: none; transition: all 0.18s;
}
.tb-s5-sort-select:focus { border-color: var(--global-palette1); }
.tb-s5-count-badge {
  padding: 6px 12px; border-radius: 50px;
  background: rgba(0,40,104,0.07); border: 1px solid rgba(0,40,104,0.15);
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800;
  color: var(--global-palette1); white-space: nowrap;
}

/* ── Table Wrapper ──────────────────────────────────────────── */
.tb-s5-table-wrap {
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  border-radius: 16px; overflow: hidden; box-shadow: var(--shadow-sm);
  overflow-x: auto; -webkit-overflow-scrolling: touch;
}
.tb-s5-table {
  width: 100%; border-collapse: collapse;
  font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px; min-width: 800px;
}

/* Table Head */
.tb-s5-table thead tr { background: var(--global-palette1); }
.tb-s5-table thead th {
  padding: 14px 16px; text-align: left;
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  color: rgba(255,255,255,0.9); text-transform: uppercase; letter-spacing: 0.5px;
  white-space: nowrap; cursor: pointer; user-select: none; transition: background 0.15s;
  position: relative;
}
.tb-s5-table thead th:hover { background: rgba(255,255,255,0.1); }
.tb-s5-table thead th .th-sort-icon {
  display: inline-block; margin-left: 5px; opacity: 0.5; font-size: 10px;
}
.tb-s5-table thead th.th-sorted .th-sort-icon { opacity: 1; }

/* Table Body */
.tb-s5-table tbody tr {
  border-bottom: 1px solid var(--global-palette5); transition: background 0.14s;
}
.tb-s5-table tbody tr:last-child { border-bottom: none; }
.tb-s5-table tbody tr:nth-child(even) { background: var(--global-palette6); }
.tb-s5-table tbody tr:hover { background: rgba(0,40,104,0.04); }
.tb-s5-table tbody tr.s5-hidden { display: none; }

.tb-s5-table td { padding: 14px 16px; color: var(--global-palette4); vertical-align: middle; }

/* Industry name cell */
.s5-td-industry {
  display: flex; align-items: center; gap: 10px;
}
.s5-ind-icon {
  width: 32px; height: 32px; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; flex-shrink: 0; background: rgba(0,40,104,0.07);
}
.s5-ind-name {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--global-palette1); line-height: 1.25;
}
.s5-ind-sub {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px;
  color: var(--global-palette4); margin-top: 1px;
}

/* ROE value cell */
.s5-td-roe { font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; }
.s5-roe-excellent { color: var(--global-palette9); }
.s5-roe-good      { color: #2d8a5e; }
.s5-roe-fair      { color: var(--gold); }
.s5-roe-weak      { color: var(--global-palette8); }

/* ROE bar cell */
.s5-td-bar { min-width: 120px; }
.s5-bar-wrap { background: var(--global-palette5); border-radius: 50px; height: 7px; overflow: hidden; }
.s5-bar-fill { height: 100%; border-radius: 50px; transition: width 0.4s ease; }
.s5-bar-ex  { background: linear-gradient(90deg, var(--global-palette9), #34d399); }
.s5-bar-gd  { background: linear-gradient(90deg, #2d8a5e, #6ee7b7); }
.s5-bar-fa  { background: linear-gradient(90deg, var(--gold), #fbbf24); }
.s5-bar-wk  { background: linear-gradient(90deg, var(--global-palette8), #fca5a5); }

/* Rating badge */
.s5-badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 4px 10px; border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; font-weight: 700;
  white-space: nowrap;
}
.s5-badge-excellent { background: rgba(0,135,90,0.10); color: var(--global-palette9); border: 1px solid rgba(0,135,90,0.2); }
.s5-badge-good      { background: rgba(45,138,94,0.10); color: #2d8a5e;              border: 1px solid rgba(45,138,94,0.2); }
.s5-badge-fair      { background: rgba(217,119,6,0.10); color: var(--gold);           border: 1px solid rgba(217,119,6,0.22); }
.s5-badge-weak      { background: rgba(191,10,48,0.08); color: var(--global-palette8);border: 1px solid rgba(191,10,48,0.18); }

/* Sector badge */
.s5-sector-tag {
  display: inline-block; padding: 3px 9px; border-radius: 6px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; font-weight: 700;
  background: var(--global-palette6); border: 1px solid var(--global-palette5);
  color: var(--global-palette4); white-space: nowrap;
}

/* Range cell */
.s5-td-range {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette4); white-space: nowrap;
}

/* ── Empty State ────────────────────────────────────────────── */
.tb-s5-empty {
  text-align: center; padding: 52px 20px;
  font-family: 'Inter', system-ui, sans-serif; color: var(--global-palette4);
  display: none;
}
.tb-s5-empty-icon { font-size: 40px; margin-bottom: 14px; }
.tb-s5-empty-msg  { font-size: 15px; font-weight: 600; color: var(--global-palette3); margin-bottom: 6px; }
.tb-s5-empty-sub  { font-size: 13px; }

/* ── Source Note ────────────────────────────────────────────── */
.tb-s5-source {
  margin-top: 14px; padding: 12px 18px;
  background: var(--global-palette7); border: 1px solid var(--global-palette5); border-radius: 10px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; color: var(--global-palette4);
  display: flex; align-items: flex-start; gap: 8px; line-height: 1.6;
}
.tb-s5-source strong { color: var(--global-palette3); }

/* ── Bottom Insight Cards ───────────────────────────────────── */
.tb-s5-insights {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px;
}
@media (max-width: 800px) { .tb-s5-insights { grid-template-columns: 1fr 1fr; } }
@media (max-width: 500px) { .tb-s5-insights { grid-template-columns: 1fr; } }

.tb-s5-insight-card {
  background: var(--global-palette7); border: 2px solid var(--global-palette5); border-radius: 14px;
  padding: 20px 18px; transition: all 0.22s;
}
.tb-s5-insight-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.tb-s5-insight-card:nth-child(1) { border-top: 3px solid var(--global-palette9); }
.tb-s5-insight-card:nth-child(2) { border-top: 3px solid var(--global-palette8); }
.tb-s5-insight-card:nth-child(3) { border-top: 3px solid var(--global-palette1); }

.tb-s5-ic-head {
  display: flex; align-items: center; gap: 8px; margin-bottom: 10px;
}
.tb-s5-ic-icon { font-size: 20px; }
.tb-s5-ic-title {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--global-palette1);
}
.tb-s5-ic-body {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px;
  color: var(--global-palette4); line-height: 1.7;
}
.tb-s5-ic-body strong { color: var(--global-palette3); font-weight: 600; }

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-s5 { padding: 52px 16px 60px; }
  .tb-s5-header { margin-bottom: 36px; }
  .tb-s5-controls { padding: 12px 14px; gap: 10px; }
  .tb-s5-filter-btn { padding: 7px 11px; font-size: 11.5px; }
  .tb-s5-sort-select { font-size: 12px; }
  .tb-s5-kpi { padding: 16px 12px; }
  .tb-s5-kpi-val { font-size: 1.35rem; }
}


/* ── Section 6: Real-World Examples ────────────────────────── */
.tb-s6 {
  background: var(--global-palette7);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s6-container { max-width: 1200px; margin: 0 auto; }

/* ── Header ─────────────────────────────────────────────────── */
.tb-s6-header { text-align: center; margin-bottom: 56px; }
.tb-s6-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,40,104,0.07); border: 1px solid rgba(0,40,104,0.18);
  border-radius: 50px; padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette1); letter-spacing: 0.6px; text-transform: uppercase; margin-bottom: 18px;
}
.tb-s6-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.22; margin-bottom: 18px; letter-spacing: -0.3px;
}
.tb-s6-title em { font-style: normal; color: var(--global-palette8); }
.tb-s6-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem); color: var(--global-palette4);
  max-width: 680px; margin: 0 auto; line-height: 1.75;
}
.tb-s6-desc strong { color: var(--global-palette1); }

/* ── Company Tabs ───────────────────────────────────────────── */
.tb-s6-tabs {
  display: flex; gap: 8px; flex-wrap: wrap;
  justify-content: center; margin-bottom: 36px;
}
.tb-s6-tab {
  display: flex; align-items: center; gap: 7px;
  padding: 10px 18px; border-radius: 10px;
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px; font-weight: 700;
  color: var(--global-palette4); cursor: pointer; transition: all 0.2s;
  white-space: nowrap;
}
.tb-s6-tab:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.tb-s6-tab.s6-active {
  background: var(--global-palette1); border-color: var(--global-palette1);
  color: #fff; box-shadow: 0 4px 16px rgba(0,40,104,0.25);
}
.tb-s6-tab-ticker {
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  padding: 2px 7px; border-radius: 4px; background: rgba(255,255,255,0.15);
}
.tb-s6-tab:not(.s6-active) .tb-s6-tab-ticker {
  background: var(--global-palette5); color: var(--global-palette3);
}

/* ── Case Card ──────────────────────────────────────────────── */
.tb-s6-case { display: none; }
.tb-s6-case.s6-visible { display: block; }

.tb-s6-card {
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  border-radius: 20px; overflow: hidden; box-shadow: var(--shadow-md);
}

/* Card top header */
.tb-s6-card-header {
  padding: 28px 32px 24px;
  display: flex; align-items: flex-start; gap: 20px; flex-wrap: wrap;
  position: relative; overflow: hidden;
}
.tb-s6-card-header::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
}
.hdr-apple::before  { background: linear-gradient(90deg,#1d1d1f,#555); }
.hdr-ms::before     { background: linear-gradient(90deg,#00a4ef,#7fba00); }
.hdr-jnj::before    { background: linear-gradient(90deg,#cc0000,#c8102e); }
.hdr-walmart::before{ background: linear-gradient(90deg,#0071ce,#ffc220); }
.hdr-bp::before     { background: linear-gradient(90deg,#009900,#ffcc00); }

.tb-s6-co-logo {
  width: 56px; height: 56px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 28px; flex-shrink: 0; border: 2px solid var(--global-palette5);
  background: var(--global-palette7);
}
.tb-s6-co-info { flex: 1; min-width: 200px; }
.tb-s6-co-name {
  font-family: 'Montserrat', sans-serif; font-size: clamp(1.2rem,2.5vw,1.6rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.2; margin-bottom: 4px;
}
.tb-s6-co-meta {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap; margin-bottom: 10px;
}
.tb-s6-co-ticker {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800;
  padding: 3px 9px; border-radius: 6px;
  background: var(--global-palette1); color: #fff;
}
.tb-s6-co-sector {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 600;
  padding: 3px 9px; border-radius: 6px;
  background: var(--global-palette5); color: var(--global-palette3);
}
.tb-s6-co-fy {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; color: var(--global-palette4);
}
.tb-s6-co-desc {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px;
  color: var(--global-palette4); line-height: 1.7; max-width: 560px;
}
.tb-s6-co-desc strong { color: var(--global-palette3); font-weight: 600; }

/* ROE result hero */
.tb-s6-roe-hero {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  background: var(--global-palette1); border-radius: 14px;
  padding: 20px 28px; min-width: 140px; text-align: center; flex-shrink: 0;
}
.tb-s6-roe-hero.rh-green { background: var(--global-palette9); }
.tb-s6-roe-hero.rh-gold  { background: var(--gold); }
.tb-s6-roe-hero.rh-red   { background: var(--global-palette8); }

.tb-s6-roe-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 10px; font-weight: 700;
  color: rgba(255,255,255,0.7); text-transform: uppercase; letter-spacing: 0.7px; margin-bottom: 6px;
}
.tb-s6-roe-val {
  font-family: 'Montserrat', sans-serif; font-size: clamp(2rem,4vw,2.8rem); font-weight: 800;
  color: #fff; line-height: 1;
}
.tb-s6-roe-rating {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; font-weight: 700;
  color: rgba(255,255,255,0.85); margin-top: 6px;
}
.tb-s6-roe-vs-ind {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px;
  color: rgba(255,255,255,0.7); margin-top: 4px;
}

/* ── Card Body ──────────────────────────────────────────────── */
.tb-s6-card-body {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
  border-top: 2px solid var(--global-palette5);
}
@media (max-width: 860px) {
  .tb-s6-card-body { grid-template-columns: 1fr; }
}

/* Left: Calculation breakdown */
.tb-s6-calc-col {
  padding: 28px 28px 28px 32px;
  border-right: 2px solid var(--global-palette5);
}
@media (max-width: 860px) {
  .tb-s6-calc-col { border-right: none; border-bottom: 2px solid var(--global-palette5); padding: 22px 20px; }
}
.tb-s6-col-title {
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  color: var(--global-palette4); text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 18px; padding-bottom: 10px; border-bottom: 1px solid var(--global-palette5);
  display: flex; align-items: center; gap: 7px;
}

/* Input rows */
.tb-s6-input-rows { display: flex; flex-direction: column; gap: 0; margin-bottom: 16px; }
.tb-s6-input-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 0; border-bottom: 1px dashed var(--global-palette5); gap: 12px;
}
.tb-s6-input-row:last-child { border-bottom: none; }
.s6-ir-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px; color: var(--global-palette4); flex: 1;
}
.s6-ir-label span { font-size: 11px; color: var(--global-palette4); opacity: 0.7; display: block; margin-top: 1px; }
.s6-ir-val {
  font-family: 'Montserrat', sans-serif; font-size: 13.5px; font-weight: 800;
  color: var(--global-palette1); white-space: nowrap;
}
.s6-ir-val.iv-green { color: var(--global-palette9); }
.s6-ir-val.iv-gold  { color: var(--gold); }
.s6-ir-val.iv-red   { color: var(--global-palette8); }

/* Formula step */
.tb-s6-formula-step {
  background: var(--global-palette7); border: 1.5px solid var(--global-palette5);
  border-radius: 10px; padding: 14px 16px;
}
.tb-s6-fs-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; font-weight: 700;
  color: var(--global-palette4); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px;
}
.tb-s6-fs-math {
  font-family: 'Montserrat', sans-serif; font-size: clamp(0.85rem,1.5vw,1rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.5;
}
.tb-s6-fs-math .fs-op { color: var(--global-palette8); margin: 0 5px; }
.tb-s6-fs-result {
  display: inline-block; margin-top: 8px;
  background: rgba(0,40,104,0.07); border: 1.5px solid rgba(0,40,104,0.15);
  border-radius: 8px; padding: 4px 14px;
  font-family: 'Montserrat', sans-serif; font-size: 1.1rem; font-weight: 800; color: var(--global-palette9);
}

/* ── DuPont mini ────────────────────────────────────────────── */
.tb-s6-dupont-mini {
  margin-top: 16px; background: var(--global-palette7);
  border: 1.5px solid var(--global-palette5); border-radius: 10px; overflow: hidden;
}
.tb-s6-dm-head {
  padding: 10px 14px; background: rgba(0,40,104,0.05);
  border-bottom: 1px solid var(--global-palette5);
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  color: var(--global-palette1); text-transform: uppercase; letter-spacing: 0.5px;
}
.tb-s6-dm-row {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 14px; border-bottom: 1px solid var(--global-palette5);
}
.tb-s6-dm-row:last-child { border-bottom: none; }
.s6-dm-name {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 600;
  color: var(--global-palette4); flex: 1;
}
.s6-dm-bar-wrap {
  flex: 1.2; background: var(--global-palette5); border-radius: 50px; height: 6px; overflow: hidden;
}
.s6-dm-bar { height: 100%; border-radius: 50px; }
.dmb-green { background: linear-gradient(90deg,var(--global-palette9),#34d399); }
.dmb-gold  { background: linear-gradient(90deg,var(--gold),#fbbf24); }
.dmb-red   { background: linear-gradient(90deg,var(--global-palette8),#fca5a5); }
.s6-dm-val {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800;
  color: var(--global-palette3); min-width: 40px; text-align: right;
}

/* ── Right: Analysis column ─────────────────────────────────── */
.tb-s6-analysis-col { padding: 28px 32px 28px 28px; }
@media (max-width: 860px) { .tb-s6-analysis-col { padding: 22px 20px; } }

.tb-s6-analysis-col p {
  font-family: 'Inter', system-ui, sans-serif; font-size: 14px;
  color: var(--global-palette4); line-height: 1.8; margin-bottom: 14px;
}
.tb-s6-analysis-col p:last-child { margin-bottom: 0; }
.tb-s6-analysis-col p strong { color: var(--global-palette3); font-weight: 600; }

/* Verdict box */
.tb-s6-verdict {
  border-radius: 10px; padding: 14px 16px; margin-bottom: 16px;
  display: flex; gap: 12px; align-items: flex-start;
}
.tb-s6-verdict.vd-green { background: rgba(0,135,90,0.06); border: 1.5px solid rgba(0,135,90,0.18); }
.tb-s6-verdict.vd-gold  { background: rgba(217,119,6,0.06); border: 1.5px solid rgba(217,119,6,0.2); }
.tb-s6-verdict.vd-red   { background: rgba(191,10,48,0.05); border: 1.5px solid rgba(191,10,48,0.15); }
.tb-s6-verdict.vd-navy  { background: rgba(0,40,104,0.05); border: 1.5px solid rgba(0,40,104,0.14); }
.vd-ico { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.vd-body { font-family: 'Inter', system-ui, sans-serif; font-size: 13px; color: var(--global-palette4); line-height: 1.7; }
.vd-body strong { font-weight: 700; display: block; margin-bottom: 4px; font-size: 13.5px; }
.vd-green .vd-body strong { color: var(--global-palette9); }
.vd-gold  .vd-body strong { color: var(--gold); }
.vd-red   .vd-body strong { color: var(--global-palette8); }
.vd-navy  .vd-body strong { color: var(--global-palette1); }
.vd-body em { font-style: normal; font-weight: 600; color: var(--global-palette3); }

/* Key metrics strip */
.tb-s6-metric-strip {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin-top: 16px;
}
.tb-s6-metric {
  background: var(--global-palette6); border: 1.5px solid var(--global-palette5);
  border-radius: 10px; padding: 12px 10px; text-align: center;
}
.s6-m-val {
  font-family: 'Montserrat', sans-serif; font-size: 1.15rem; font-weight: 800;
  color: var(--global-palette1); margin-bottom: 3px;
}
.s6-m-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; color: var(--global-palette4); line-height: 1.3;
}

/* ── Navigation Footer ──────────────────────────────────────── */
.tb-s6-nav-footer {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 32px; gap: 12px; flex-wrap: wrap;
}
.tb-s6-nav-btn {
  display: flex; align-items: center; gap: 8px;
  padding: 11px 20px; border-radius: 10px;
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px; font-weight: 700;
  color: var(--global-palette3); cursor: pointer; transition: all 0.2s;
}
.tb-s6-nav-btn:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.tb-s6-nav-btn:disabled { opacity: 0.4; cursor: not-allowed; pointer-events: none; }
.tb-s6-progress-dots {
  display: flex; gap: 8px; align-items: center;
}
.s6-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--global-palette5); cursor: pointer; transition: all 0.2s;
}
.s6-dot.s6-dot-active { background: var(--global-palette1); width: 24px; border-radius: 4px; }

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-s6 { padding: 52px 16px 60px; }
  .tb-s6-header { margin-bottom: 36px; }
  .tb-s6-card-header { padding: 20px 18px 18px; gap: 14px; }
  .tb-s6-calc-col, .tb-s6-analysis-col { padding: 18px; }
  .tb-s6-roe-hero { padding: 16px 20px; min-width: 110px; }
  .tb-s6-roe-val { font-size: 1.8rem; }
  .tb-s6-metric-strip { grid-template-columns: repeat(3,1fr); gap: 8px; }
  .s6-m-val { font-size: 1rem; }
}
@media (max-width: 420px) {
  .tb-s6-card-header { flex-direction: column; }
  .tb-s6-roe-hero { width: 100%; }
  .tb-s6-metric-strip { grid-template-columns: 1fr 1fr; }
}


/* ── Section 7: Pro Tips from Finance Experts ──────────────── */
.tb-s7 {
  background: var(--global-palette6);
  padding: 80px 20px 88px;
  border-top: 1px solid var(--global-palette5);
}
.tb-s7-container { max-width: 1200px; margin: 0 auto; }

/* ── Header ─────────────────────────────────────────────────── */
.tb-s7-header { text-align: center; margin-bottom: 60px; }
.tb-s7-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(191,10,48,0.07); border: 1px solid rgba(191,10,48,0.18);
  border-radius: 50px; padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette8); letter-spacing: 0.6px; text-transform: uppercase; margin-bottom: 18px;
}
.tb-s7-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.22; margin-bottom: 18px; letter-spacing: -0.3px;
}
.tb-s7-title em { font-style: normal; color: var(--global-palette8); }
.tb-s7-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.08rem); color: var(--global-palette4);
  max-width: 680px; margin: 0 auto; line-height: 1.75;
}
.tb-s7-desc strong { color: var(--global-palette1); }

/* ── Category Filter ────────────────────────────────────────── */
.tb-s7-filters {
  display: flex; gap: 8px; flex-wrap: wrap;
  justify-content: center; margin-bottom: 44px;
}
.tb-s7-filter-btn {
  display: flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: 50px;
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px; font-weight: 700;
  color: var(--global-palette4); cursor: pointer; transition: all 0.2s; white-space: nowrap;
}
.tb-s7-filter-btn:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.tb-s7-filter-btn.s7-active {
  background: var(--global-palette1); border-color: var(--global-palette1); color: #fff;
}

/* ── Cards Grid ─────────────────────────────────────────────── */
.tb-s7-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 52px;
}
@media (max-width: 960px) { .tb-s7-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .tb-s7-grid { grid-template-columns: 1fr; gap: 16px; } }

/* ── Expert Card ────────────────────────────────────────────── */
.tb-s7-card {
  background: var(--global-palette7);
  border: 2px solid var(--global-palette5);
  border-radius: 18px; overflow: hidden;
  display: flex; flex-direction: column;
  transition: all 0.24s; position: relative;
}
.tb-s7-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(0,40,104,0.2);
}
.tb-s7-card.s7-card-hidden { display: none; }

/* Color accent stripe per category */
.tb-s7-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; border-radius: 0;
}
.s7-cat-valuation  .tb-s7-card::before { background: linear-gradient(90deg, var(--global-palette1), #3b6eda); }
.s7-cat-dupont     .tb-s7-card::before { background: linear-gradient(90deg, var(--global-palette8), #f97316); }
.s7-cat-comparison .tb-s7-card::before { background: linear-gradient(90deg, var(--global-palette9), #34d399); }
.s7-cat-risk       .tb-s7-card::before { background: linear-gradient(90deg, var(--gold), #fbbf24); }
.s7-cat-trend      .tb-s7-card::before { background: linear-gradient(90deg, #7c3aed, #a78bfa); }

/* Card top: expert identity */
.tb-s7-card-top {
  padding: 22px 22px 16px; display: flex; align-items: flex-start; gap: 14px;
}
.tb-s7-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0;
  border: 2px solid var(--global-palette5);
}
.av-navy  { background: rgba(0,40,104,0.08); }
.av-red   { background: rgba(191,10,48,0.08); }
.av-green { background: rgba(0,135,90,0.08); }
.av-gold  { background: rgba(217,119,6,0.08); }
.av-purple{ background: rgba(124,58,237,0.08); }

.tb-s7-expert-info {}
.tb-s7-expert-name {
  font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800;
  color: var(--global-palette1); margin-bottom: 2px; line-height: 1.2;
}
.tb-s7-expert-title {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11.5px;
  color: var(--global-palette4); line-height: 1.4; margin-bottom: 8px;
}
.tb-s7-cat-badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 3px 9px; border-radius: 50px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 10.5px; font-weight: 700;
  letter-spacing: 0.3px; white-space: nowrap;
}
.badge-valuation  { background: rgba(0,40,104,0.08);  color: var(--global-palette1); border: 1px solid rgba(0,40,104,0.15); }
.badge-dupont     { background: rgba(191,10,48,0.08); color: var(--global-palette8); border: 1px solid rgba(191,10,48,0.15); }
.badge-comparison { background: rgba(0,135,90,0.08);  color: var(--global-palette9); border: 1px solid rgba(0,135,90,0.18); }
.badge-risk       { background: rgba(217,119,6,0.08); color: var(--gold);            border: 1px solid rgba(217,119,6,0.2); }
.badge-trend      { background: rgba(124,58,237,0.08);color: #7c3aed;               border: 1px solid rgba(124,58,237,0.18); }

/* Divider */
.tb-s7-card-divider {
  height: 1px; background: var(--global-palette5); margin: 0 22px;
}

/* Card body: the tip */
.tb-s7-card-body { padding: 18px 22px; flex: 1; }
.tb-s7-tip-icon { font-size: 26px; margin-bottom: 10px; }
.tb-s7-tip-headline {
  font-family: 'Montserrat', sans-serif; font-size: 15px; font-weight: 800;
  color: var(--global-palette1); line-height: 1.3; margin-bottom: 10px;
}
.tb-s7-tip-text {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px;
  color: var(--global-palette4); line-height: 1.78; margin-bottom: 14px;
}
.tb-s7-tip-text strong { color: var(--global-palette3); font-weight: 600; }

/* Tip highlight rule */
.tb-s7-rule {
  background: var(--global-palette6); border-left: 3px solid;
  border-radius: 0 8px 8px 0; padding: 10px 14px;
  font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 700;
  color: var(--global-palette3); line-height: 1.5; margin-top: 4px;
}
.s7-cat-valuation  .tb-s7-rule { border-color: var(--global-palette1); }
.s7-cat-dupont     .tb-s7-rule { border-color: var(--global-palette8); }
.s7-cat-comparison .tb-s7-rule { border-color: var(--global-palette9); }
.s7-cat-risk       .tb-s7-rule { border-color: var(--gold); }
.s7-cat-trend      .tb-s7-rule { border-color: #7c3aed; }

/* Card footer: source/context */
.tb-s7-card-footer {
  padding: 12px 22px 18px;
  display: flex; align-items: center; justify-content: space-between; gap: 10px;
}
.tb-s7-source-tag {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px;
  color: var(--global-palette4); font-style: italic;
}
.tb-s7-difficulty {
  display: flex; gap: 3px; align-items: center;
}
.tb-s7-diff-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--global-palette5);
}
.tb-s7-diff-dot.filled { background: var(--global-palette1); }

/* ── Featured Quote Banner ──────────────────────────────────── */
.tb-s7-banner {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #1a3a7a 100%);
  border-radius: 18px; padding: 36px 40px;
  display: flex; align-items: center; gap: 32px; flex-wrap: wrap;
  margin-bottom: 52px; position: relative; overflow: hidden;
}
.tb-s7-banner::before {
  content: '\201C'; position: absolute; top: -20px; right: 32px;
  font-family: 'Montserrat', sans-serif; font-size: 160px; font-weight: 800;
  color: rgba(255,255,255,0.05); line-height: 1; pointer-events: none;
}
.tb-s7-banner-avatar {
  width: 72px; height: 72px; border-radius: 50%;
  background: rgba(255,255,255,0.12); border: 2px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 34px; flex-shrink: 0;
}
.tb-s7-banner-content { flex: 1; min-width: 260px; position: relative; z-index: 1; }
.tb-s7-banner-label {
  font-family: 'Inter', system-ui, sans-serif; font-size: 10.5px; font-weight: 700;
  color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 12px;
}
.tb-s7-banner-quote {
  font-family: 'Inter', system-ui, sans-serif; font-size: clamp(0.95rem,1.8vw,1.15rem);
  color: rgba(255,255,255,0.92); line-height: 1.75; font-style: italic; margin-bottom: 16px;
}
.tb-s7-banner-attr {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
}
.tb-s7-banner-name {
  font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800; color: #fff;
}
.tb-s7-banner-role {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px;
  color: rgba(255,255,255,0.6);
}
.tb-s7-banner-stat {
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50px; padding: 5px 14px;
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800; color: #fff;
}

/* ── Quick-Reference Cheatsheet ─────────────────────────────── */
.tb-s7-cheatsheet {
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  border-radius: 18px; overflow: hidden;
}
.tb-s7-cs-head {
  background: var(--global-palette1); padding: 18px 28px;
  display: flex; align-items: center; gap: 12px;
}
.tb-s7-cs-head h3 {
  font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 800;
  color: #fff; text-transform: uppercase; letter-spacing: 0.4px; margin: 0;
}
.tb-s7-cs-body {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 0;
}
@media (max-width: 700px) { .tb-s7-cs-body { grid-template-columns: 1fr; } }
.tb-s7-cs-col {
  padding: 22px 24px; border-right: 1px solid var(--global-palette5);
}
.tb-s7-cs-col:last-child { border-right: none; }
@media (max-width: 700px) {
  .tb-s7-cs-col { border-right: none; border-bottom: 1px solid var(--global-palette5); }
  .tb-s7-cs-col:last-child { border-bottom: none; }
}
.tb-s7-cs-col-title {
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.6px; margin-bottom: 14px;
  padding-bottom: 10px; border-bottom: 2px solid var(--global-palette5);
  display: flex; align-items: center; gap: 7px;
}
.cst-navy  { color: var(--global-palette1); }
.cst-green { color: var(--global-palette9); }
.cst-red   { color: var(--global-palette8); }
.tb-s7-cs-list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 11px;
}
.tb-s7-cs-list li {
  display: flex; gap: 9px; align-items: flex-start;
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px;
  color: var(--global-palette4); line-height: 1.6;
}
.tb-s7-cs-list li .cs-bullet {
  flex-shrink: 0; width: 18px; height: 18px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 9px; font-weight: 800; margin-top: 1px;
}
.cs-do   .cs-bullet { background: rgba(0,135,90,0.12); color: var(--global-palette9); }
.cs-dont .cs-bullet { background: rgba(191,10,48,0.10); color: var(--global-palette8); }
.cs-pro  .cs-bullet { background: rgba(0,40,104,0.08);  color: var(--global-palette1); }
.tb-s7-cs-list li strong { color: var(--global-palette3); font-weight: 600; }

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-s7 { padding: 52px 16px 60px; }
  .tb-s7-header { margin-bottom: 36px; }
  .tb-s7-banner { padding: 24px 22px; gap: 18px; }
  .tb-s7-banner-avatar { width: 52px; height: 52px; font-size: 24px; }
  .tb-s7-cs-head { padding: 14px 18px; }
  .tb-s7-cs-col { padding: 16px 18px; }
}

/* ── FAQ WRAPPER ─────────────────────────────────────────── */
.roe-faq-section {
  max-width: 1200px;
  margin: 0 auto 60px;
  padding: 0 20px;
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
}

/* ── SECTION HEADER ──────────────────────────────────────── */
.roe-faq-header {
  text-align: center;
  margin-bottom: 36px;
}
.roe-faq-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, rgba(0,40,104,0.08), rgba(0,40,104,0.04));
  border: 1px solid rgba(0,40,104,0.15);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: 12px;
  font-weight: 600;
  color: #002868;
  margin-bottom: 14px;
}
.roe-faq-badge-dot {
  width: 7px; height: 7px;
  background: #00875A;
  border-radius: 50%;
  animation: roeFaqPulse 1.5s infinite;
}
@keyframes roeFaqPulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.6;transform:scale(0.85)} }
.roe-faq-heading {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(22px, 3.5vw, 32px);
  font-weight: 800;
  color: #1D1D1F;
  line-height: 1.2;
  margin-bottom: 10px;
}
.roe-faq-heading span { color: #002868; }
.roe-faq-sub {
  font-size: 15px;
  color: #5F6368;
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ── CATEGORY TABS ───────────────────────────────────────── */
.roe-faq-tabs {
  display: flex;
  gap: 6px;
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  border-radius: 14px;
  padding: 6px;
  margin-bottom: 28px;
  flex-wrap: wrap;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.roe-faq-tabs::-webkit-scrollbar { display: none; }
.roe-faq-tab {
  flex: 1;
  min-width: 130px;
  padding: 10px 14px;
  border: none;
  border-radius: 10px;
  background: transparent;
  cursor: pointer;
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 12.5px;
  font-weight: 600;
  color: #5F6368;
  transition: all 0.2s;
  text-align: center;
  white-space: nowrap;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  line-height: 1.3;
}
.roe-faq-tab.active {
  background: #002868;
  color: #fff;
  box-shadow: 0 2px 10px rgba(0,40,104,0.25);
}
.roe-faq-tab:hover:not(.active) {
  background: rgba(0,40,104,0.07);
  color: #002868;
}
.roe-faq-tab-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px; height: 18px;
  background: rgba(255,255,255,0.25);
  border-radius: 50%;
  font-size: 10px;
  font-weight: 700;
}
.roe-faq-tab:not(.active) .roe-faq-tab-count {
  background: rgba(0,40,104,0.10);
  color: #002868;
}

/* ── CATEGORY PANELS ─────────────────────────────────────── */
.roe-faq-panel { display: none; }
.roe-faq-panel.active { display: block; }

/* ── ACCORDION ITEMS ─────────────────────────────────────── */
.roe-faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.roe-faq-item {
  background: #FFFFFF;
  border: 1.5px solid #E0E4E8;
  border-radius: 14px;
  overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.roe-faq-item.open {
  border-color: rgba(0,40,104,0.3);
  box-shadow: 0 4px 20px rgba(0,40,104,0.08);
}
.roe-faq-q {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  cursor: pointer;
  user-select: none;
  -webkit-tap-highlight-color: transparent;
}
.roe-faq-q:hover { background: rgba(0,40,104,0.02); }
.roe-faq-qnum {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 8px;
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: #002868;
  transition: all 0.2s;
}
.roe-faq-item.open .roe-faq-qnum {
  background: #002868;
  color: #fff;
  border-color: #002868;
}
.roe-faq-qtext {
  flex: 1;
  font-size: 14.5px;
  font-weight: 600;
  color: #1D1D1F;
  line-height: 1.4;
}
.roe-faq-icon {
  flex-shrink: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: #F7F9FC;
  border: 1px solid #E0E4E8;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.25s;
}
.roe-faq-icon svg {
  transition: transform 0.25s cubic-bezier(0.4,0,0.2,1);
}
.roe-faq-item.open .roe-faq-icon {
  background: rgba(0,40,104,0.08);
  border-color: rgba(0,40,104,0.2);
}
.roe-faq-item.open .roe-faq-icon svg {
  transform: rotate(180deg);
}

/* ── ANSWER BODY ─────────────────────────────────────────── */
.roe-faq-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4,0,0.2,1);
}
.roe-faq-body.open { max-height: 1200px; }
.roe-faq-ans {
  padding: 0 20px 20px 62px;
  font-size: 14px;
  color: #5F6368;
  line-height: 1.7;
}
.roe-faq-ans p { margin-bottom: 10px; }
.roe-faq-ans p:last-child { margin-bottom: 0; }
.roe-faq-ans strong { color: #1D1D1F; font-weight: 600; }

/* Formula block */
.roe-faq-formula {
  background: linear-gradient(135deg, #F7F9FC, rgba(0,40,104,0.04));
  border: 1px solid rgba(0,40,104,0.12);
  border-left: 3px solid #002868;
  border-radius: 8px;
  padding: 12px 16px;
  margin: 12px 0;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: #002868;
  letter-spacing: 0.2px;
}

/* Info callout */
.roe-faq-info {
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 10px;
  padding: 12px 16px;
  margin: 12px 0;
  font-size: 13.5px;
  color: #1D1D1F;
  line-height: 1.6;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}
.roe-faq-info-icon { flex-shrink: 0; font-size: 16px; margin-top: 1px; }

/* Green tip */
.roe-faq-tip {
  background: rgba(0,135,90,0.06);
  border: 1px solid rgba(0,135,90,0.18);
  border-radius: 10px;
  padding: 12px 16px;
  margin: 12px 0;
  font-size: 13.5px;
  color: #005A3C;
  line-height: 1.6;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

/* Amber warning */
.roe-faq-warn {
  background: rgba(217,119,6,0.06);
  border: 1px solid rgba(217,119,6,0.2);
  border-radius: 10px;
  padding: 12px 16px;
  margin: 12px 0;
  font-size: 13.5px;
  color: #92400E;
  line-height: 1.6;
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

/* Inline table */
.roe-faq-tbl {
  width: 100%;
  border-collapse: collapse;
  margin: 12px 0;
  font-size: 13px;
  overflow: hidden;
  border-radius: 10px;
  border: 1px solid #E0E4E8;
}
.roe-faq-tbl th {
  background: #002868;
  color: #fff;
  padding: 9px 14px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.4px;
  text-transform: uppercase;
}
.roe-faq-tbl td {
  padding: 9px 14px;
  border-bottom: 1px solid #E0E4E8;
  color: #5F6368;
  vertical-align: top;
  line-height: 1.5;
}
.roe-faq-tbl tr:last-child td { border-bottom: none; }
.roe-faq-tbl tr:nth-child(even) td { background: #F7F9FC; }
.roe-faq-tbl td strong { color: #1D1D1F; }

/* Status badges inside answers */
.roe-faq-sb {
  display: inline-flex;
  align-items: center;
  padding: 2px 9px;
  border-radius: 20px;
  font-size: 11px;
  font-weight: 700;
}
.roe-faq-sb-good { background: rgba(0,135,90,0.12); color: #005A3C; }
.roe-faq-sb-avg  { background: rgba(217,119,6,0.12); color: #92400E; }
.roe-faq-sb-poor { background: rgba(191,10,48,0.10); color: #7F0620; }

/* Bottom CTA strip */
.roe-faq-cta {
  margin-top: 36px;
  background: linear-gradient(135deg, #002868 0%, #003580 100%);
  border-radius: 16px;
  padding: 28px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
.roe-faq-cta-text h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 17px;
  font-weight: 800;
  color: #fff;
  margin-bottom: 4px;
}
.roe-faq-cta-text p { font-size: 13.5px; color: rgba(255,255,255,0.75); }
.roe-faq-cta-btn {
  flex-shrink: 0;
  padding: 12px 24px;
  background: #fff;
  color: #002868;
  border: none;
  border-radius: 10px;
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: all 0.2s;
  white-space: nowrap;
}
.roe-faq-cta-btn:hover { background: #F7F9FC; transform: translateY(-1px); }

/* ── MOBILE ──────────────────────────────────────────────── */
@media (max-width: 768px) {
  .roe-faq-section { padding: 0 14px; margin-bottom: 44px; }
  .roe-faq-tabs { gap: 4px; padding: 5px; border-radius: 12px; flex-wrap: nowrap; }
  .roe-faq-tab { min-width: 100px; padding: 9px 10px; font-size: 11.5px; gap: 4px; }
  .roe-faq-tab-count { width: 16px; height: 16px; font-size: 9px; }
  .roe-faq-ans { padding: 0 14px 18px 14px; }
  .roe-faq-q { padding: 15px 14px; gap: 10px; }
  .roe-faq-qtext { font-size: 13.5px; }
  .roe-faq-tbl th, .roe-faq-tbl td { padding: 8px 10px; font-size: 12px; }
  .roe-faq-cta { padding: 22px 20px; }
  .roe-faq-cta-text h3 { font-size: 15px; }
  .roe-faq-cta-btn { width: 100%; justify-content: center; }
  .roe-faq-heading { font-size: 22px; }
}
@media (max-width: 480px) {
  .roe-faq-tab { min-width: 80px; padding: 8px 8px; font-size: 11px; }
  .roe-faq-qnum { width: 24px; height: 24px; font-size: 10px; border-radius: 6px; }
}

/* ── PRINT ───────────────────────────────────────────────── */
@media print {
  .roe-faq-body { max-height: none !important; }
  .roe-faq-tabs { display: none; }
  .roe-faq-panel { display: block !important; }
}

/* ── Related Calculators Section ───────────────────────────── */
.tb-rc {
  background: var(--global-palette7);
  padding: 80px 20px 96px;
  border-top: 1px solid var(--global-palette5);
}
.tb-rc-container { max-width: 1200px; margin: 0 auto; }

/* ── Header ─────────────────────────────────────────────────── */
.tb-rc-header { text-align: center; margin-bottom: 52px; }
.tb-rc-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,40,104,0.07); border: 1px solid rgba(0,40,104,0.18);
  border-radius: 50px; padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette1); letter-spacing: 0.6px; text-transform: uppercase; margin-bottom: 18px;
}
.tb-rc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.65rem, 3vw, 2.4rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.22; margin-bottom: 16px; letter-spacing: -0.3px;
}
.tb-rc-title em { font-style: normal; color: var(--global-palette9); }
.tb-rc-desc {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(1rem, 1.5vw, 1.07rem); color: var(--global-palette4);
  max-width: 620px; margin: 0 auto; line-height: 1.75;
}

/* ── Category Tabs ──────────────────────────────────────────── */
.tb-rc-tabs {
  display: flex; gap: 8px; flex-wrap: wrap;
  justify-content: center; margin-bottom: 40px;
}
.tb-rc-tab {
  display: flex; align-items: center; gap: 6px;
  padding: 8px 16px; border-radius: 50px;
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px; font-weight: 700;
  color: var(--global-palette4); cursor: pointer; transition: all 0.2s; white-space: nowrap;
}
.tb-rc-tab:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.tb-rc-tab.rc-active {
  background: var(--global-palette1); border-color: var(--global-palette1); color: #fff;
}

/* ── Primary Featured Card ──────────────────────────────────── */
.tb-rc-featured {
  display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px;
}
@media (max-width: 700px) { .tb-rc-featured { grid-template-columns: 1fr; } }

.tb-rc-feature-card {
  background: var(--global-palette1);
  border-radius: 18px; padding: 32px 30px; position: relative; overflow: hidden;
  display: flex; flex-direction: column; justify-content: space-between; min-height: 220px;
}
.tb-rc-feature-card::before {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 180px; height: 180px; border-radius: 50%;
  background: rgba(255,255,255,0.05); pointer-events: none;
}
.tb-rc-feature-card::after {
  content: ''; position: absolute; bottom: -60px; left: -30px;
  width: 220px; height: 220px; border-radius: 50%;
  background: rgba(255,255,255,0.03); pointer-events: none;
}
.rcf-tag {
  display: inline-flex; align-items: center; gap: 5px;
  background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.18);
  border-radius: 50px; padding: 4px 12px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 10.5px; font-weight: 700;
  color: rgba(255,255,255,0.8); text-transform: uppercase; letter-spacing: 0.5px;
  margin-bottom: 16px; width: fit-content; position: relative; z-index: 1;
}
.rcf-icon { font-size: 32px; margin-bottom: 10px; position: relative; z-index: 1; }
.rcf-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 800;
  color: #fff; line-height: 1.25; margin-bottom: 8px; position: relative; z-index: 1;
}
.rcf-desc {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13px;
  color: rgba(255,255,255,0.75); line-height: 1.65; margin-bottom: 20px;
  position: relative; z-index: 1;
}
.rcf-link {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border-radius: 50px;
  padding: 10px 20px;
  font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 800;
  color: var(--global-palette1); text-decoration: none;
  transition: all 0.2s; width: fit-content; position: relative; z-index: 1;
}
.rcf-link:hover { background: rgba(255,255,255,0.9); transform: translateX(3px); }
.rcf-link-arrow { transition: transform 0.2s; }
.rcf-link:hover .rcf-link-arrow { transform: translateX(4px); }

/* second featured card — green tint */
.tb-rc-feature-card.rcf-green { background: var(--global-palette9); }
.tb-rc-feature-card.rcf-green .rcf-link { color: var(--global-palette9); }

/* ── Main Calculators Grid ──────────────────────────────────── */
.tb-rc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 20px;
}
@media (max-width: 1024px) { .tb-rc-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 700px)  { .tb-rc-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; } }
@media (max-width: 400px)  { .tb-rc-grid { grid-template-columns: 1fr; } }

/* ── Calculator Card ────────────────────────────────────────── */
.tb-rc-card {
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  border-radius: 14px; padding: 20px 18px 18px; cursor: pointer;
  text-decoration: none; display: flex; flex-direction: column; gap: 0;
  transition: all 0.22s; position: relative; overflow: hidden;
}
.tb-rc-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  opacity: 0; transition: opacity 0.22s;
}
.tb-rc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(0,40,104,0.2); }
.tb-rc-card:hover::before { opacity: 1; }
.tb-rc-card.rc-card-hidden { display: none; }

/* Accent stripes per category */
.rc-cat-profitability .tb-rc-card::before  { background: linear-gradient(90deg, var(--global-palette9), #34d399); }
.rc-cat-leverage      .tb-rc-card::before  { background: linear-gradient(90deg, var(--global-palette8), #f97316); }
.rc-cat-efficiency    .tb-rc-card::before  { background: linear-gradient(90deg, var(--gold), #fbbf24); }
.rc-cat-valuation     .tb-rc-card::before  { background: linear-gradient(90deg, var(--global-palette1), #3b6eda); }
.rc-cat-growth        .tb-rc-card::before  { background: linear-gradient(90deg, #7c3aed, #a78bfa); }

.rc-card-top { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 14px; }
.rc-card-icon {
  width: 42px; height: 42px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; border: 1.5px solid var(--global-palette5);
  background: var(--global-palette7); flex-shrink: 0;
}
.rc-card-badge {
  font-family: 'Inter', system-ui, sans-serif; font-size: 10px; font-weight: 700;
  padding: 3px 8px; border-radius: 50px; text-transform: uppercase; letter-spacing: 0.3px;
  white-space: nowrap;
}
.badge-rc-profitability { background: rgba(0,135,90,0.09);  color: var(--global-palette9); border: 1px solid rgba(0,135,90,0.18); }
.badge-rc-leverage      { background: rgba(191,10,48,0.08); color: var(--global-palette8); border: 1px solid rgba(191,10,48,0.15); }
.badge-rc-efficiency    { background: rgba(217,119,6,0.08); color: var(--gold);            border: 1px solid rgba(217,119,6,0.2); }
.badge-rc-valuation     { background: rgba(0,40,104,0.07);  color: var(--global-palette1); border: 1px solid rgba(0,40,104,0.15); }
.badge-rc-growth        { background: rgba(124,58,237,0.08);color: #7c3aed;               border: 1px solid rgba(124,58,237,0.18); }

.rc-card-title {
  font-family: 'Montserrat', sans-serif; font-size: 13.5px; font-weight: 800;
  color: var(--global-palette1); line-height: 1.3; margin-bottom: 7px;
}
.rc-card-desc {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px;
  color: var(--global-palette4); line-height: 1.65; flex: 1; margin-bottom: 14px;
}
.rc-card-link {
  display: flex; align-items: center; gap: 5px;
  font-family: 'Montserrat', sans-serif; font-size: 11.5px; font-weight: 800;
  color: var(--global-palette1); text-decoration: none; margin-top: auto;
  transition: gap 0.2s;
}
.tb-rc-card:hover .rc-card-link { gap: 8px; }
.rc-card-link span { opacity: 0.6; font-size: 13px; }

/* ── Bottom Row: Wide utility cards ─────────────────────────── */
.tb-rc-wide-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 44px;
}
@media (max-width: 860px) { .tb-rc-wide-row { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .tb-rc-wide-row { grid-template-columns: 1fr; gap: 12px; } }

.tb-rc-wide-card {
  background: var(--global-palette6); border: 2px solid var(--global-palette5);
  border-radius: 14px; padding: 22px 22px 20px;
  display: flex; gap: 16px; align-items: flex-start;
  text-decoration: none; transition: all 0.22s; position: relative; overflow: hidden;
}
.tb-rc-wide-card::before {
  content: ''; position: absolute; top: 0; left: 0; bottom: 0; width: 3px;
}
.tb-rc-wide-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: rgba(0,40,104,0.2); }

.rc-wide-navy  .tb-rc-wide-card::before { background: var(--global-palette1); }
.rc-wide-green .tb-rc-wide-card::before { background: var(--global-palette9); }
.rc-wide-red   .tb-rc-wide-card::before { background: var(--global-palette8); }

.rc-wide-icon {
  width: 46px; height: 46px; border-radius: 10px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 22px;
  background: var(--global-palette7); border: 1.5px solid var(--global-palette5);
}
.rc-wide-body { flex: 1; }
.rc-wide-title {
  font-family: 'Montserrat', sans-serif; font-size: 13.5px; font-weight: 800;
  color: var(--global-palette1); line-height: 1.25; margin-bottom: 5px;
}
.rc-wide-desc {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px;
  color: var(--global-palette4); line-height: 1.6; margin-bottom: 10px;
}
.rc-wide-meta {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px; font-weight: 700;
  color: var(--global-palette4); display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
}
.rc-wide-meta span {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  padding: 2px 8px; border-radius: 50px;
}

/* ── CTA Strip ───────────────────────────────────────────────── */
.tb-rc-cta-strip {
  background: linear-gradient(135deg, var(--global-palette1) 0%, #162d6e 100%);
  border-radius: 18px; padding: 36px 40px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.tb-rc-cta-left {}
.tb-rc-cta-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.15rem, 2.5vw, 1.5rem); font-weight: 800;
  color: #fff; margin-bottom: 6px;
}
.tb-rc-cta-sub {
  font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px;
  color: rgba(255,255,255,0.7); line-height: 1.6; max-width: 480px;
}
.tb-rc-cta-btns { display: flex; gap: 12px; flex-wrap: wrap; flex-shrink: 0; }
.tb-rc-cta-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 22px; border-radius: 10px;
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  text-decoration: none; transition: all 0.2s; cursor: pointer; white-space: nowrap;
}
.tb-rc-cta-btn-primary {
  background: #fff; color: var(--global-palette1); border: 2px solid #fff;
}
.tb-rc-cta-btn-primary:hover { background: rgba(255,255,255,0.9); transform: translateY(-2px); }
.tb-rc-cta-btn-secondary {
  background: transparent; color: #fff; border: 2px solid rgba(255,255,255,0.35);
}
.tb-rc-cta-btn-secondary:hover { border-color: rgba(255,255,255,0.7); transform: translateY(-2px); }

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-rc { padding: 52px 16px 64px; }
  .tb-rc-header { margin-bottom: 34px; }
  .tb-rc-feature-card { min-height: 180px; padding: 24px 22px; }
  .tb-rc-cta-strip { padding: 26px 22px; flex-direction: column; align-items: flex-start; }
  .tb-rc-cta-btns { width: 100%; }
  .tb-rc-cta-btn { flex: 1; justify-content: center; }
}

/* ── Legal Disclaimer & Editorial Transparency ──────────────── */
.tb-ld {
  background: var(--global-palette6);
  padding: 72px 20px 80px;
  border-top: 3px solid var(--global-palette5);
}
.tb-ld-container { max-width: 1200px; margin: 0 auto; }

/* ── Header ──────────────────────────────────────────────────── */
.tb-ld-header { text-align: center; margin-bottom: 48px; }
.tb-ld-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(191,10,48,0.06); border: 1px solid rgba(191,10,48,0.2);
  border-radius: 50px; padding: 6px 18px;
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette8); letter-spacing: 0.6px; text-transform: uppercase; margin-bottom: 16px;
}
.tb-ld-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.5rem, 2.8vw, 2.1rem); font-weight: 800;
  color: var(--global-palette1); line-height: 1.25; margin-bottom: 14px; letter-spacing: -0.3px;
}
.tb-ld-subtitle {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(0.95rem, 1.4vw, 1.05rem); color: var(--global-palette4);
  max-width: 640px; margin: 0 auto; line-height: 1.75;
}

/* ── Primary Disclaimer Box ──────────────────────────────────── */
.tb-ld-disclaimer-box {
  background: var(--global-palette7);
  border: 2px solid rgba(191,10,48,0.22);
  border-left: 5px solid var(--global-palette8);
  border-radius: 14px; padding: 28px 32px; margin-bottom: 36px;
  display: flex; gap: 20px; align-items: flex-start;
}
@media (max-width: 600px) { .tb-ld-disclaimer-box { padding: 20px 18px; gap: 14px; flex-direction: column; } }
.tb-ld-disc-icon {
  font-size: 32px; flex-shrink: 0; margin-top: 2px;
}
.tb-ld-disc-content {}
.tb-ld-disc-title {
  font-family: 'Montserrat', sans-serif; font-size: 14.5px; font-weight: 800;
  color: var(--global-palette8); text-transform: uppercase; letter-spacing: 0.4px;
  margin-bottom: 10px;
}
.tb-ld-disc-text {
  font-family: 'Inter', system-ui, sans-serif; font-size: 14px;
  color: var(--global-palette3); line-height: 1.8;
}
.tb-ld-disc-text strong { color: var(--global-palette1); font-weight: 700; }
.tb-ld-disc-text a {
  color: var(--global-palette1); font-weight: 600;
  text-decoration: underline; text-underline-offset: 3px;
}
.tb-ld-disc-text a:hover { color: var(--global-palette8); }

/* ── Two-Col Layout ──────────────────────────────────────────── */
.tb-ld-body-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 36px;
}
@media (max-width: 860px) { .tb-ld-body-grid { grid-template-columns: 1fr; gap: 20px; } }

/* ── Panel Card ──────────────────────────────────────────────── */
.tb-ld-panel {
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  border-radius: 14px; overflow: hidden;
}
.tb-ld-panel-head {
  padding: 16px 22px; border-bottom: 2px solid var(--global-palette5);
  display: flex; align-items: center; gap: 10px;
  background: rgba(0,40,104,0.04);
}
.tb-ld-panel-head h3 {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--global-palette1); text-transform: uppercase; letter-spacing: 0.4px; margin: 0;
}
.tb-ld-panel-head span { font-size: 18px; }
.tb-ld-panel-body { padding: 20px 22px; }

/* Checklist items */
.tb-ld-checklist {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 12px;
}
.tb-ld-checklist li {
  display: flex; gap: 10px; align-items: flex-start;
  font-family: 'Inter', system-ui, sans-serif; font-size: 13.5px;
  color: var(--global-palette4); line-height: 1.65;
}
.tb-ld-checklist li .ld-check {
  flex-shrink: 0; width: 20px; height: 20px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 10px; font-weight: 900; margin-top: 1px;
}
.ld-check-green { background: rgba(0,135,90,0.1);  color: var(--global-palette9); border: 1.5px solid rgba(0,135,90,0.2); }
.ld-check-navy  { background: rgba(0,40,104,0.08); color: var(--global-palette1); border: 1.5px solid rgba(0,40,104,0.18); }
.ld-check-red   { background: rgba(191,10,48,0.07);color: var(--global-palette8); border: 1.5px solid rgba(191,10,48,0.16); }
.tb-ld-checklist li strong { color: var(--global-palette3); font-weight: 600; }

/* ── Authoritative Sources Section ──────────────────────────── */
.tb-ld-sources-head {
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 800;
  color: var(--global-palette4); text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 16px; padding-bottom: 10px; border-bottom: 1px solid var(--global-palette5);
  display: flex; align-items: center; gap: 7px;
}
.tb-ld-source-links {
  display: flex; flex-direction: column; gap: 10px;
}
.tb-ld-source-link {
  display: flex; align-items: flex-start; gap: 12px; padding: 12px 14px;
  background: var(--global-palette6); border: 1.5px solid var(--global-palette5);
  border-radius: 10px; text-decoration: none; transition: all 0.2s;
}
.tb-ld-source-link:hover {
  border-color: var(--global-palette1); background: var(--global-palette7);
  transform: translateX(3px);
}
.ld-src-badge {
  flex-shrink: 0; padding: 3px 9px; border-radius: 6px;
  font-family: 'Montserrat', sans-serif; font-size: 10px; font-weight: 800;
  letter-spacing: 0.3px; white-space: nowrap; margin-top: 1px;
}
.badge-gov    { background: rgba(0,40,104,0.1);  color: var(--global-palette1); border: 1px solid rgba(0,40,104,0.2); }
.badge-fed    { background: rgba(191,10,48,0.08);color: var(--global-palette8); border: 1px solid rgba(191,10,48,0.15); }
.badge-fasb   { background: rgba(0,135,90,0.08); color: var(--global-palette9); border: 1px solid rgba(0,135,90,0.16); }
.badge-edu    { background: rgba(217,119,6,0.08);color: var(--gold);            border: 1px solid rgba(217,119,6,0.18); }
.ld-src-info {}
.ld-src-name {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--global-palette1); margin-bottom: 2px;
}
.ld-src-url {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11px;
  color: var(--global-palette4); margin-bottom: 4px; font-style: italic;
}
.ld-src-desc {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px;
  color: var(--global-palette4); line-height: 1.55;
}
.ld-src-arrow {
  margin-left: auto; font-size: 14px; color: var(--global-palette4);
  flex-shrink: 0; transition: transform 0.2s; margin-top: 2px;
}
.tb-ld-source-link:hover .ld-src-arrow { transform: translateX(4px); color: var(--global-palette1); }

/* ── Methodology Strip ────────────────────────────────────────── */
.tb-ld-method-strip {
  background: var(--global-palette7); border: 2px solid var(--global-palette5);
  border-radius: 14px; padding: 24px 28px; margin-bottom: 36px;
}
.tb-ld-method-title {
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 800;
  color: var(--global-palette1); text-transform: uppercase; letter-spacing: 0.4px;
  margin-bottom: 18px; padding-bottom: 12px; border-bottom: 2px solid var(--global-palette5);
  display: flex; align-items: center; gap: 8px;
}
.tb-ld-method-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
}
@media (max-width: 860px) { .tb-ld-method-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .tb-ld-method-grid { grid-template-columns: 1fr; gap: 12px; } }
.tb-ld-method-item {
  display: flex; gap: 12px; align-items: flex-start;
}
.ld-m-icon {
  font-size: 20px; flex-shrink: 0; margin-top: 1px;
}
.ld-m-label {
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 800;
  color: var(--global-palette1); margin-bottom: 3px;
}
.ld-m-val {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px;
  color: var(--global-palette4); line-height: 1.5;
}

/* ── Footer Legal Row ─────────────────────────────────────────── */
.tb-ld-footer-row {
  display: flex; align-items: flex-start; justify-content: space-between;
  gap: 24px; flex-wrap: wrap;
  padding-top: 28px; border-top: 2px solid var(--global-palette5);
}
.tb-ld-copyright {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12.5px;
  color: var(--global-palette4); line-height: 1.7; max-width: 520px;
}
.tb-ld-copyright strong { color: var(--global-palette3); font-weight: 600; }
.tb-ld-copyright a {
  color: var(--global-palette1); font-weight: 600;
  text-decoration: underline; text-underline-offset: 3px;
}
.tb-ld-policy-links {
  display: flex; gap: 10px; flex-wrap: wrap; align-items: center;
}
.tb-ld-policy-link {
  font-family: 'Inter', system-ui, sans-serif; font-size: 12px; font-weight: 600;
  color: var(--global-palette4); text-decoration: none; padding: 5px 12px;
  border: 1.5px solid var(--global-palette5); border-radius: 50px;
  transition: all 0.2s; white-space: nowrap;
}
.tb-ld-policy-link:hover { color: var(--global-palette1); border-color: var(--global-palette1); }
.tb-ld-last-updated {
  font-family: 'Inter', system-ui, sans-serif; font-size: 11.5px;
  color: var(--global-palette4); margin-top: 10px;
  display: flex; align-items: center; gap: 6px;
}
.ld-update-dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--global-palette9); flex-shrink: 0;
  animation: ldPulse 2.5s ease-in-out infinite;
}
@keyframes ldPulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.5; transform: scale(0.85); }
}

/* ── Mobile ─────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .tb-ld { padding: 48px 16px 60px; }
  .tb-ld-header { margin-bottom: 30px; }
  .tb-ld-footer-row { flex-direction: column; }
}
/* ── MOBILE PATCH ── */
html,body{overflow-x:hidden;-webkit-text-size-adjust:100%}
.wrap{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right));width:100%}
.card{overflow:hidden;word-break:break-word}
.irow{min-width:0;width:100%}
.irow input,.irow select{min-width:0;max-width:100%}
.ipfx,.isfx{flex-shrink:0;white-space:nowrap}
input,select,textarea{font-size:max(14px,1rem)}
.tgl{width:100%;flex-wrap:nowrap;overflow:hidden}
.tgb{flex:1 1 0;min-width:0;overflow:hidden;white-space:normal;line-height:1.3;padding:8px 6px;font-size:10px}
.table-wrapper{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;width:100%}
.stbl{min-width:500px}
.tabs{overflow-x:auto;-webkit-overflow-scrolling:touch;flex-wrap:nowrap;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab-b{flex-shrink:0;font-size:10px;padding:8px 10px}
.sec-ttl{flex-wrap:wrap;gap:8px}
.sec-ttl h2{font-size:13px;flex-shrink:1;min-width:0}
.cbtn{font-size:13px;padding:14px 16px;white-space:normal;line-height:1.3}
.tip:hover::after{left:auto;right:0;transform:none;max-width:min(240px,80vw)}
@media(max-width:600px){
  .igrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr 1fr !important;padding:20px 16px;gap:14px}
  .hm-sep{display:none !important}
  .hm .hv{font-size:20px}
  .mgrid{grid-template-columns:1fr 1fr !important;gap:10px}
  .mc .mv{font-size:17px}
}
@media(max-width:560px){
  .abtns{display:grid;grid-template-columns:1fr 1fr;gap:8px}
  .abtn{min-width:0;font-size:11px;padding:10px 8px}
  .npvc{grid-template-columns:1fr !important}
  .seginputs{grid-template-columns:1fr !important}
}
@media(max-width:480px){
  .hdr h1{font-size:22px;letter-spacing:-0.5px}
  .hdr .sub{font-size:12px}
  .btype-grid{grid-template-columns:1fr 1fr !important}
  .badge{font-size:10px;padding:3px 9px}
}
@media(max-width:400px){
  .tgb{font-size:9px;padding:7px 4px}
  .mgrid{grid-template-columns:1fr !important}
  .hero-band{grid-template-columns:1fr !important}
  .abtns{grid-template-columns:1fr}
}
/* ══════════════════════════════════════════════════
   TYPOGRAPHY CRISPNESS & CONTRAST FIX
   ══════════════════════════════════════════════════ */
/* 1. Force sharp font rendering in all browsers */
body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* 2. Make Input Labels Darker & Punchier */
.fg label, .rng-wrap label, .fee-item .fl {
  color: #1e293b !important; /* Deep Slate */
  font-weight: 800 !important;
}

/* 3. Make Typed Numbers Bolder and Slightly Larger */
.fg input, .fg select, .fee-amt input {
  font-weight: 600 !important;
  color: #0f172a !important; /* Almost black */
  font-size: 15px !important;
}

/* 4. Darken the $ and % prefix/suffix symbols */
.ipfx, .isfx, .fee-amt .fp {
  color: #334155 !important;
  font-weight: 800 !important;
}

/* 5. Fix Washed-Out Hint Text */
.hint, .fee-item .fs, .opt, .tl-lbl {
  color: #64748b !important; 
  font-weight: 500 !important;
}

/* 6. Make Section Titles Pop More */
.sec-ttl h2 {
  font-weight: 800 !important;
  color: var(--navy-d) !important;
  font-size: 15px !important;
}

/* 7. Darken the unselected toggle buttons */
.tgb {
  color: #475569 !important;
}
.tgb.on {
  color: #ffffff !important;
}
/* ============================================================
   USFinanceCalculators.com — Universal Card Text Visibility Fix
   
   PROBLEM: On hover, inner label text inside selector cards
   becomes invisible because no explicit color is set on child
   elements — they silently inherit an incorrect value.
   
   APPLIES TO all calculators:
   - CLV:              .bt .bl .bs
   - Equipment:        .cat-card .cl .cr
   - Turnover Cost:    .role-card .rl .rm
   - Franchise Fee:    .bracket-btn .bv .bl
   - Inventory:        .ind-card .il .ir
   - EBITDA:           .role-card .rl .rm
   
   PASTE THIS at the very end of each calculator's <style>
   tag, after all existing rules.
   ============================================================ */

/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}

/* ============================================================
   END Card Visibility Fix
   ============================================================ */
/* ============================================================
   USFinanceCalculators.com — Universal Card Text Visibility Fix
   
   PROBLEM: On hover, inner label text inside selector cards
   becomes invisible because no explicit color is set on child
   elements — they silently inherit an incorrect value.
   
   APPLIES TO all calculators:
   - CLV:              .bt .bl .bs
   - Equipment:        .cat-card .cl .cr
   - Turnover Cost:    .role-card .rl .rm
   - Franchise Fee:    .bracket-btn .bv .bl
   - Inventory:        .ind-card .il .ir
   - EBITDA:           .role-card .rl .rm
   
   PASTE THIS at the very end of each calculator's <style>
   tag, after all existing rules.
   ============================================================ */

/* ── DEFAULT STATE: explicit dark text on all cards ── */
.bt,
.cat-card,
.role-card,
.ind-card,
.bracket-btn {
  color: var(--g900, #0f172a);
}

/* ── INNER LABELS: always inherit from parent card ── */
.bt .bl, .bt .bs,
.cat-card .cl, .cat-card .cr,
.role-card .rl, .role-card .rm,
.ind-card .il, .ind-card .ir,
.bracket-btn .bv, .bracket-btn .bl {
  color: inherit !important;
}

/* ── HOVER STATE: navy text on light blue background ── */
.bt:hover,
.cat-card:hover,
.role-card:hover,
.ind-card:hover,
.bracket-btn:hover {
  color: var(--navy, #002868) !important;
}

/* ── ACTIVE / SELECTED STATE: always white text ── */
.bt.active, .bt.on,
.cat-card.on,
.role-card.on,
.ind-card.on,
.bracket-btn.on {
  color: #fff !important;
}

/* ── ALSO FIX: opacity on .cr / .ir / .rm / .bs 
     Stays 65% in default & selected, 
     but goes to 80% on hover for readability ── */
.bt:hover .bs,
.cat-card:hover .cr,
.role-card:hover .rm,
.ind-card:hover .ir {
  opacity: 0.85 !important;
}

/* ── ALSO FIX: btype-grid (.bt) for CLV calculator ── */
.bt.active .bs {
  color: rgba(255,255,255,0.65) !important;
  opacity: 1 !important;
}

/* ============================================================
   END Card Visibility Fix
   ============================================================ */