:root{--navy:#002868;--navy-dark:#00183F;--navy-mid:#003580;--red:#BF0A30;--red-hover:#9B0826;--green:#00875A;--green-dark:#006644;--white:#fff;--charcoal:#1D1D1F;--gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;--good-bg:#ECFDF5;--good-br:#A7F3D0;--good-tx:#065F46;--warn-bg:#FFF9F0;--warn-br:#F6E0B5;--warn-tx:#9A6C11;--bad-bg:#FEF2F2;--bad-br:#FECACA;--bad-tx:#991B1B;--shadow-sm:0 1px 4px rgba(0,40,104,.08);--shadow-md:0 4px 20px rgba(0,40,104,.12);--shadow-lg:0 8px 40px rgba(0,40,104,.16)}
    *{box-sizing:border-box;margin:0;padding:0} html,body{overflow-x:hidden;max-width:100vw;scroll-behavior:smooth}
    body{font-family:Inter,sans-serif;background:var(--bg);color:var(--charcoal);line-height:1.6;-webkit-font-smoothing:antialiased}
    .calc-wrap{max-width:1280px;margin:34px auto;padding:0 18px 40px}.calc-shell{background:#fff;border:1px solid var(--border);border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg)}
    .calc-head{padding:30px 28px;background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 62%,#003d8c 100%);position:relative;overflow:hidden;border-bottom:4px solid var(--red)}
    .calc-head:before{content:"";position:absolute;top:-70px;right:-50px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle, rgba(191,10,48,.18) 0, rgba(191,10,48,0) 72%)}
    .calc-head:after{content:"";position:absolute;left:-80px;bottom:-120px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle, rgba(0,135,90,.12) 0, rgba(0,135,90,0) 72%)}
    .calc-head-inner{position:relative;z-index:1;display:flex;justify-content:space-between;align-items:flex-start;gap:18px;flex-wrap:wrap}.calc-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#fff;padding:6px 12px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}.calc-kicker i{width:8px;height:8px;border-radius:50%;background:var(--green)}
    .calc-head h1{font:800 clamp(28px,4.2vw,40px)/1.12 Montserrat,sans-serif;letter-spacing:-.5px;color:#fff;margin-bottom:12px;max-width:780px}.calc-head p{font-size:15px;color:rgba(255,255,255,.78);max-width:760px}
    .calc-badges{display:flex;gap:8px;flex-wrap:wrap}.calc-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);color:#fff;padding:7px 12px;border-radius:999px;font-size:11.5px;font-weight:700}
    .calc-body{display:grid;grid-template-columns:minmax(420px,560px) 1fr;min-width:0}.panel{padding:26px;min-width:0}.panel.inputs{border-right:1px solid var(--border)}.panel.results{background:var(--bg)}
    .sec-title{margin-bottom:22px}.sec-title h2{font:800 20px Montserrat,sans-serif;color:var(--navy-dark);display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}.help{font-size:12px;font-weight:600;color:var(--gray);background:#eef2f7;padding:6px 10px;border-radius:8px}
    .mode-tabs{display:flex;gap:6px;flex-wrap:wrap;background:var(--bg);border:1px solid var(--border);padding:4px;border-radius:10px;margin-bottom:24px}.mode-btn{flex:1;min-width:105px;border:none;background:transparent;border-radius:8px;padding:11px 10px;font:700 12px Montserrat,sans-serif;color:var(--gray);cursor:pointer;transition:.2s}.mode-btn.active,.mode-btn:hover{background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}
    .field{margin-bottom:18px} label{display:block;font:700 12.5px Montserrat,sans-serif;color:var(--charcoal);margin-bottom:8px}.row2,.row3{display:grid;gap:12px}.row2{grid-template-columns:1fr 1fr}.row3{grid-template-columns:repeat(3,1fr)}
    .input-wrap{position:relative;display:flex;align-items:center}.prefix,.suffix{position:absolute;z-index:2;font-size:13px;font-weight:700;color:var(--gray);pointer-events:none}.prefix{left:14px}.suffix{right:14px}.has-prefix input{padding-left:30px}.has-suffix input{padding-right:32px}
    input,select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;font:500 14px Inter,sans-serif;background:var(--bg);color:var(--charcoal);outline:none;transition:.2s;-webkit-appearance:none}
    input:focus,select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1);background:#fff}
    select{cursor:pointer;background:var(--bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%235F6368'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'/%3E%3C/svg%3E") no-repeat right 10px center/14px;padding-right:34px}
    .note{font-size:12px;color:var(--gray);line-height:1.45;margin-top:6px}.box{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;margin:20px 0;box-shadow:var(--shadow-sm)}.box h3{font:700 15px Montserrat,sans-serif;color:var(--navy);margin-bottom:12px;padding-bottom:10px;border-bottom:1px solid var(--border)}
    .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px;padding-top:20px;border-top:1px solid var(--border)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;border-radius:10px;padding:12px 16px;font:700 13px Montserrat,sans-serif;cursor:pointer;transition:.2s}.btn-primary{background:var(--red);color:#fff;flex:1;min-width:190px}.btn-primary:hover{background:var(--red-hover);transform:translateY(-1px)}.btn-secondary{background:var(--navy);color:#fff}.btn-secondary:hover{background:var(--navy-mid);transform:translateY(-1px)}.btn-wa{background:var(--green);color:#fff}.btn-wa:hover{background:var(--green-dark)}.btn-ghost{background:#fff;color:var(--navy);border:1.5px solid var(--border)}.btn-ghost:hover{border-color:var(--navy)}.hidden{display:none!important}
    .results-top{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px}.kpi{background:#fff;border:1.5px solid var(--border);border-radius:14px;padding:16px;box-shadow:var(--shadow-sm)}.kpi.featured{background:var(--navy);border-color:var(--navy)}.k-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.06em}.featured .k-label,.featured .k-sub{color:rgba(255,255,255,.72)}.k-value{display:block;margin-top:6px;font:800 clamp(21px,3.7vw,28px)/1.16 Montserrat,sans-serif;color:var(--navy-dark)}.featured .k-value{color:#fff}.k-sub{display:block;margin-top:6px;font-size:11.5px;color:#97A0A9}
    .alert{border-radius:12px;padding:16px 18px;margin-bottom:20px;font-size:14px;font-weight:500;line-height:1.6;display:flex;gap:12px;align-items:flex-start}.alert.good{background:var(--good-bg);border:1px solid var(--good-br);color:var(--good-tx)}.alert.warn{background:var(--warn-bg);border:1px solid var(--warn-br);color:var(--warn-tx)}.alert.bad{background:var(--bad-bg);border:1px solid var(--bad-br);color:var(--bad-tx)}
    .card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;margin-bottom:16px;box-shadow:var(--shadow-sm)}.card h3{font:700 16px Montserrat,sans-serif;color:var(--navy-dark);margin-bottom:14px}
    .bars{display:flex;flex-direction:column;gap:10px}.bar-row{display:grid;grid-template-columns:132px 1fr 88px;align-items:center;gap:12px}.bar-label{font-size:12px;font-weight:700;color:var(--charcoal)}.bar-track{height:12px;background:var(--border);border-radius:999px;overflow:hidden}.bar-fill{height:100%;border-radius:999px;transition:width .35s ease}.fill-nominal{background:var(--navy)}.fill-inflation{background:var(--red)}.fill-real{background:var(--green)}.bar-text{text-align:right;font-size:12px;font-weight:700;color:var(--charcoal);font-variant-numeric:tabular-nums}
    .table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:12px} table{width:100%;border-collapse:collapse;min-width:760px;background:#fff} th,td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:13.5px} th{font:700 11px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:var(--gray);background:var(--bg)} tr:last-child td{border-bottom:none}
    .scenario-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.scenario-item{background:var(--bg);border:1px solid var(--border);border-radius:12px;padding:14px 15px}.si-label{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.05em}.si-value{font:800 23px Montserrat,sans-serif;color:var(--navy-dark);margin-top:5px}.scenario-item.good .si-value{color:var(--green)}.scenario-item.bad .si-value{color:var(--red)}
    canvas{max-height:300px}.ad-slot{margin-top:18px;background:#fff;border:1px dashed var(--border);border-radius:14px;padding:14px;text-align:center;color:var(--gray);font-size:13px}
    @media (max-width:1080px){.calc-body{grid-template-columns:1fr}.panel.inputs{border-right:none;border-bottom:1px solid var(--border)}}
    @media (max-width:768px){.calc-wrap{padding:0 12px 28px;margin-top:18px}.calc-head{padding:22px 16px}.panel{padding:18px 14px}.row2,.row3,.results-top,.scenario-grid{grid-template-columns:1fr}.actions{flex-direction:column}.btn{width:100%}.mode-tabs{flex-direction:column}.bar-row{grid-template-columns:88px 1fr 72px}}
    /* ============================================================
   HOW IT WORKS SECTION
   ============================================================ */
.hiw-section{background:#fff;border-top:4px solid var(--red,#BF0A30);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.hiw-container{max-width:1100px;margin-inline:auto}
.hiw-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.hiw-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.hiw-section h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.hiw-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

/* Overview box */
.hiw-overview{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:14px;padding:22px 24px;margin-bottom:2rem;display:flex;gap:20px;align-items:flex-start}
.hiw-overview-icon{flex-shrink:0;width:44px;height:44px;background:linear-gradient(135deg,#00183F,#002868);border-radius:10px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:18px}
.hiw-overview-body h3{font:800 15px Montserrat,sans-serif;color:#00183F;margin-bottom:6px}
.hiw-overview-body p{font-size:.84rem;color:#5F6368;line-height:1.7}
.hiw-overview-body p strong{color:#1D1D1F}

/* Core formula banner */
.hiw-formula-banner{background:linear-gradient(135deg,#00183F 0%,#002868 62%,#003d8c 100%);border-radius:14px;padding:24px 28px;margin-bottom:2rem;position:relative;overflow:hidden}
.hiw-formula-banner::before{content:"";position:absolute;top:-50px;right:-30px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,rgba(191,10,48,.15) 0,rgba(191,10,48,0) 72%)}
.hiw-formula-banner h3{font:800 14px Montserrat,sans-serif;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px;position:relative;z-index:1}
.hiw-formula-row{display:flex;flex-wrap:wrap;gap:14px;position:relative;z-index:1}
.hiw-formula-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:14px 16px;flex:1;min-width:200px}
.hiw-formula-label{font-size:10px;font-weight:700;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px;font-family:Montserrat,sans-serif}
.hiw-formula-expr{font:700 15px/1.5 'Courier New',monospace;color:#fff;letter-spacing:.02em}
.hiw-formula-expr .hl-navy{color:#93c5fd}.hiw-formula-expr .hl-red{color:#fca5a5}.hiw-formula-expr .hl-green{color:#86efac}

/* Mode cards */
.hiw-modes{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:2rem}

.hiw-mode{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:14px;padding:22px 20px;transition:box-shadow .2s,transform .2s}
.hiw-mode:hover{box-shadow:0 4px 20px rgba(0,40,104,.1);transform:translateY(-2px)}
.hiw-mode.full-span{grid-column:1/-1}

.hiw-mode-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.hiw-mode-num{width:30px;height:30px;background:#002868;color:#fff;font:900 12px Montserrat,sans-serif;border-radius:8px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hiw-mode-title{font:800 .88rem Montserrat,sans-serif;color:#00183F}
.hiw-mode-tag{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:2px 8px;border-radius:999px;white-space:nowrap;margin-left:auto;font-family:Montserrat,sans-serif}
.hiw-mode-tag.w2{background:#dbeafe;color:#1e40af}
.hiw-mode-tag.freelancer{background:#fef3c7;color:#92400e}
.hiw-mode-tag.employer{background:#fce8ec;color:#BF0A30}
.hiw-mode-tag.all{background:#e6f7ef;color:#065F46}

.hiw-mode p{font-size:.82rem;color:#5F6368;line-height:1.7;margin-bottom:10px}
.hiw-mode p strong{color:#1D1D1F}

/* Formula inside mode card */
.hiw-mode-formula{background:#fff;border:1px solid #E0E4E8;border-radius:10px;padding:12px 14px;margin-bottom:10px}
.hiw-mode-formula-label{font:800 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:#5F6368;margin-bottom:5px}
.hiw-mode-formula code{display:block;font:600 13px/1.6 'Courier New',monospace;color:#002868;word-break:break-all}

/* Step inside mode card */
.hiw-mode-steps{display:flex;flex-direction:column;gap:6px;margin-top:10px}
.hiw-mode-step{display:flex;align-items:flex-start;gap:8px;font-size:.79rem;color:#5F6368;line-height:1.6}
.hiw-mode-step-num{flex-shrink:0;width:20px;height:20px;background:rgba(0,40,104,.07);color:#002868;font:900 9px Montserrat,sans-serif;border-radius:50%;display:flex;align-items:center;justify-content:center;margin-top:2px}
.hiw-mode-step strong{color:#1D1D1F}

/* Example row */
.hiw-example{background:#fff;border:1.5px solid #E0E4E8;border-radius:10px;padding:12px 14px;margin-top:12px}
.hiw-example-label{font:800 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:#00875A;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.hiw-example-row{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:center}
.hiw-example-box{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:8px;padding:8px 10px;text-align:center}
.hiw-example-box.result{background:#ECFDF5;border-color:#A7F3D0}
.hiw-example-box.loss{background:#FEF2F2;border-color:#FECACA}
.hiw-example-mini{font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:#5F6368;margin-bottom:2px;font-family:Montserrat,sans-serif}
.hiw-example-val{font:800 16px Montserrat,sans-serif;color:#00183F;font-variant-numeric:tabular-nums}
.hiw-example-box.result .hiw-example-val{color:#065F46}
.hiw-example-box.loss .hiw-example-val{color:#991B1B}
.hiw-example-arrow{font-size:14px;color:#d1d5db;font-weight:700}

/* Output section */
.hiw-output{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:14px;padding:22px 24px;margin-bottom:2rem}
.hiw-output h3{font:800 15px Montserrat,sans-serif;color:#00183F;margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid #E0E4E8}
.hiw-output-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.hiw-output-item{background:#fff;border:1px solid #E0E4E8;border-radius:10px;padding:12px;text-align:center}
.hiw-output-item .out-icon{font-size:20px;margin-bottom:6px}
.hiw-output-item .out-label{font:700 10px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:#5F6368;margin-bottom:4px}
.hiw-output-item .out-desc{font-size:.76rem;color:#5F6368;line-height:1.55}
.hiw-output-item .out-desc strong{color:#002868}

/* Accuracy note */
.hiw-accuracy{display:flex;gap:14px;align-items:flex-start;background:#FFF9F0;border:1px solid #F6E0B5;border-radius:12px;padding:16px 18px;margin-bottom:0}
.hiw-accuracy-icon{flex-shrink:0;font-size:18px;margin-top:2px}
.hiw-accuracy p{font-size:.8rem;color:#9A6C11;line-height:1.7}
.hiw-accuracy p strong{color:#7c5a10}
.hiw-accuracy a{color:#002868;font-weight:700;text-decoration:underline}

/* ============================================================
   RESPONSIVE — HOW IT WORKS
   ============================================================ */
@media(max-width:900px){
  .hiw-modes{grid-template-columns:1fr}
  .hiw-mode.full-span{grid-column:1}
  .hiw-output-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:560px){
  .hiw-overview{flex-direction:column;gap:14px;padding:18px 16px}
  .hiw-formula-banner{padding:20px 18px}
  .hiw-formula-row{flex-direction:column}
  .hiw-formula-card{min-width:100%}
  .hiw-formula-expr{font-size:13px}
  .hiw-mode{padding:18px 16px}
  .hiw-mode-head{flex-wrap:wrap}
  .hiw-mode-tag{margin-left:0;margin-top:4px}
  .hiw-mode-formula code{font-size:12px}
  .hiw-example-row{grid-template-columns:1fr;gap:6px}
  .hiw-example-arrow{transform:rotate(90deg);text-align:center}
  .hiw-output-grid{grid-template-columns:1fr 1fr}
  .hiw-accuracy{flex-direction:column;gap:10px}
}
@media(max-width:400px){
  .hiw-output-grid{grid-template-columns:1fr}
}
/* ============================================================
   EDUCATIONAL GLOSSARY SECTION
   ============================================================ */
.edu-section{background:var(--bg,#F7F9FC);border-top:4px solid var(--navy,#002868);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.edu-container{max-width:1100px;margin-inline:auto}
.edu-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.edu-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.edu-section h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.edu-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

/* Main concept card */
.edu-concept{background:#fff;border:1.5px solid #E0E4E8;border-radius:14px;padding:26px 24px;margin-bottom:2rem;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-concept-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.edu-concept-icon{width:48px;height:48px;background:linear-gradient(135deg,#00183F,#002868);border-radius:12px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:22px;flex-shrink:0}
.edu-concept-head h3{font:800 clamp(1rem,2.5vw,1.25rem) Montserrat,sans-serif;color:#00183F}
.edu-concept-head .edu-badge{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:3px 10px;border-radius:999px;white-space:nowrap;font-family:Montserrat,sans-serif}
.edu-badge.core{background:#dbeafe;color:#1e40af}
.edu-badge.input{background:#fef3c7;color:#92400e}
.edu-badge.output{background:#e6f7ef;color:#065F46}
.edu-badge.employer{background:#fce8ec;color:#BF0A30}
.edu-badge.gov{background:#f3e8ff;color:#6b21a8}
.edu-concept p{font-size:.88rem;color:#5F6368;line-height:1.75;margin-bottom:12px;max-width:72ch}
.edu-concept p:last-child{margin-bottom:0}
.edu-concept p strong{color:#1D1D1F}

/* Why it matters box */
.edu-matters{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px;padding:14px 16px;margin-top:14px}
.edu-matters-label{font:800 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:#002868;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.edu-matters p{font-size:.8rem;color:#5F6368;line-height:1.65}
.edu-matters p strong{color:#1D1D1F}

/* Formula highlight inside concept */
.edu-formula-inline{background:linear-gradient(135deg,#00183F 0%,#002868 62%,#003d8c 100%);border-radius:10px;padding:14px 16px;margin:14px 0;position:relative;overflow:hidden}
.edu-formula-inline::before{content:"";position:absolute;top:-30px;right:-20px;width:100px;height:100px;border-radius:50%;background:radial-gradient(circle,rgba(191,10,48,.12) 0,rgba(191,10,48,0) 72%)}
.edu-formula-inline-label{font:800 8px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.5);margin-bottom:4px;position:relative;z-index:1}
.edu-formula-inline code{display:block;font:600 13px/1.6 'Courier New',monospace;color:#fff;word-break:break-all;position:relative;z-index:1}
.edu-formula-inline code .hl-b{color:#93c5fd}.edu-formula-inline code .hl-r{color:#fca5a5}.edu-formula-inline code .hl-g{color:#86efac}

/* Quick example row */
.edu-quick-example{display:grid;grid-template-columns:1fr auto 1fr;gap:8px;align-items:center;margin-top:14px}
.edu-qe-box{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:8px;padding:10px 12px;text-align:center}
.edu-qe-box.green{background:#ECFDF5;border-color:#A7F3D0}
.edu-qe-box.red{background:#FEF2F2;border-color:#FECACA}
.edu-qe-mini{font-size:9px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:#5F6368;margin-bottom:2px;font-family:Montserrat,sans-serif}
.edu-qe-val{font:800 18px Montserrat,sans-serif;color:#00183F;font-variant-numeric:tabular-nums}
.edu-qe-box.green .edu-qe-val{color:#065F46}
.edu-qe-box.red .edu-qe-val{color:#991B1B}
.edu-qe-arrow{font-size:14px;color:#d1d5db;font-weight:700}

/* Comparison table */
.edu-compare{background:#fff;border:1.5px solid #E0E4E8;border-radius:14px;overflow:hidden;margin-bottom:2rem;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-compare-head{padding:16px 20px;background:#F7F9FC;border-bottom:1px solid #E0E4E8}
.edu-compare-head h3{font:800 15px Montserrat,sans-serif;color:#00183F}
.edu-compare table{width:100%;border-collapse:collapse}
.edu-compare th,.edu-compare td{padding:12px 16px;border-bottom:1px solid #E0E4E8;text-align:left;font-size:13.5px}
.edu-compare th{font:700 10px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:#5F6368;background:#FAFBFD}
.edu-compare tr:last-child td{border-bottom:none}
.edu-compare td strong{color:#00183F}
.edu-compare td{color:#5F6368;line-height:1.6}

/* Glossary grid */
.edu-glossary-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:2rem}

/* Source box */
.edu-source{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:18px 20px;margin-bottom:0;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-source-icon{flex-shrink:0;font-size:18px;margin-top:2px}
.edu-source h3{font:800 14px Montserrat,sans-serif;color:#00183F;margin-bottom:8px}
.edu-source ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:6px}
.edu-source li{font-size:.8rem;color:#5F6368;line-height:1.6;display:flex;align-items:center;gap:6px}
.edu-source li::before{content:"";width:5px;height:5px;border-radius:50%;background:#002868;flex-shrink:0}
.edu-source a{color:#002868;font-weight:700;text-decoration:underline}

/* ============================================================
   RESPONSIVE — EDUCATIONAL SECTION
   ============================================================ */
@media(max-width:900px){
  .edu-glossary-grid{grid-template-columns:1fr}
}
@media(max-width:560px){
  .edu-concept{padding:20px 16px}
  .edu-concept-head{flex-wrap:wrap;gap:10px}
  .edu-concept-head .edu-badge{margin-left:0}
  .edu-quick-example{grid-template-columns:1fr;gap:6px}
  .edu-qe-arrow{transform:rotate(90deg);text-align:center}
  .edu-formula-inline code{font-size:11.5px}
  .edu-compare th,.edu-compare td{padding:10px 12px;font-size:12.5px}
  .edu-source{flex-direction:column;gap:10px}
}
/* ============================================================
   REAL EXAMPLES SECTION
   ============================================================ */
.rex-section{background:#fff;border-top:4px solid var(--red,#BF0A30);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.rex-container{max-width:1100px;margin-inline:auto}
.rex-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.rex-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.rex-section h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.rex-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

/* Example card */
.rex-card{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:16px;margin-bottom:24px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08);transition:box-shadow .2s}
.rex-card:hover{box-shadow:0 4px 20px rgba(0,40,104,.12)}

/* Example header */
.rex-card-head{display:flex;align-items:center;gap:14px;padding:20px 22px;background:#fff;border-bottom:1px solid #E0E4E8}
.rex-num{width:38px;height:38px;background:linear-gradient(135deg,#00183F,#002868);border-radius:10px;display:flex;align-items:center;justify-content:center;color:#fff;font:900 15px Montserrat,sans-serif;flex-shrink:0}
.rex-card-title{flex:1;min-width:0}
.rex-card-title h3{font:800 clamp(.88rem,2vw,1.05rem) Montserrat,sans-serif;color:#00183F;margin-bottom:2px}
.rex-card-title span{font-size:12px;color:#5F6368}
.rex-mode-tag{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:999px;white-space:nowrap;font-family:Montserrat,sans-serif;flex-shrink:0}
.rex-mode-tag.mode1{background:#dbeafe;color:#1e40af}
.rex-mode-tag.mode2{background:#e6f7ef;color:#065F46}
.rex-mode-tag.mode3{background:#fef3c7;color:#92400e}
.rex-mode-tag.mode4{background:#f3e8ff;color:#6b21a8}
.rex-mode-tag.mode5{background:#fce8ec;color:#BF0A30}

/* Card body */
.rex-card-body{padding:22px}

/* Scenario intro */
.rex-scenario{font-size:.86rem;color:#5F6368;line-height:1.72;margin-bottom:18px;max-width:72ch}
.rex-scenario strong{color:#1D1D1F}

/* Input grid */
.rex-inputs{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:10px;margin-bottom:18px}
.rex-input-chip{background:#fff;border:1px solid #E0E4E8;border-radius:10px;padding:10px 12px;text-align:center}
.rex-input-chip .ri-label{font:700 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:#5F6368;margin-bottom:3px}
.rex-input-chip .ri-value{font:800 17px Montserrat,sans-serif;color:#002868;font-variant-numeric:tabular-nums}

/* Arrow divider */
.rex-arrow-divider{display:flex;align-items:center;gap:10px;margin-bottom:18px}
.rex-arrow-divider::before,.rex-arrow-divider::after{content:"";flex:1;height:1px;background:#E0E4E8}
.rex-arrow-divider span{background:#002868;color:#fff;width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0}

/* Results grid */
.rex-results{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px;margin-bottom:18px}
.rex-result-chip{border-radius:12px;padding:14px;text-align:center}
.rex-result-chip.featured{background:linear-gradient(135deg,#00183F,#002868);border:none}
.rex-result-chip.good{background:#ECFDF5;border:1px solid #A7F3D0}
.rex-result-chip.bad{background:#FEF2F2;border:1px solid #FECACA}
.rex-result-chip.neutral{background:#fff;border:1px solid #E0E4E8}
.rex-result-chip .rr-label{font:700 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.rex-result-chip.featured .rr-label{color:rgba(255,255,255,.6)}
.rex-result-chip.good .rr-label{color:#065F46}
.rex-result-chip.bad .rr-label{color:#991B1B}
.rex-result-chip.neutral .rr-label{color:#5F6368}
.rex-result-chip .rr-value{font:800 clamp(18px,3vw,24px) Montserrat,sans-serif;font-variant-numeric:tabular-nums}
.rex-result-chip.featured .rr-value{color:#fff}
.rex-result-chip.good .rr-value{color:#065F46}
.rex-result-chip.bad .rr-value{color:#991B1B}
.rex-result-chip.neutral .rr-value{color:#00183F}
.rex-result-chip .rr-sub{font-size:11px;margin-top:3px}
.rex-result-chip.featured .rr-sub{color:rgba(255,255,255,.55)}
.rex-result-chip.good .rr-sub,.rex-result-chip.bad .rr-sub,.rex-result-chip.neutral .rr-sub{color:#5F6368}

/* Takeaway bar */
.rex-takeaway{border-radius:10px;padding:14px 16px;display:flex;gap:10px;align-items:flex-start}
.rex-takeaway.good{background:#ECFDF5;border:1px solid #A7F3D0}
.rex-takeaway.bad{background:#FEF2F2;border:1px solid #FECACA}
.rex-takeaway.warn{background:#FFF9F0;border:1px solid #F6E0B5}
.rex-takeaway-icon{font-size:16px;flex-shrink:0;margin-top:1px}
.rex-takeaway p{font-size:.82rem;line-height:1.65}
.rex-takeaway.good p{color:#065F46}
.rex-takeaway.bad p{color:#991B1B}
.rex-takeaway.warn p{color:#9A6C11}
.rex-takeaway p strong{font-weight:800}

/* Methodology bar */
.rex-method{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:16px 18px;margin-top:2rem}
.rex-method-icon{flex-shrink:0;font-size:18px;margin-top:2px}
.rex-method p{font-size:.8rem;color:#5F6368;line-height:1.7}
.rex-method p strong{color:#1D1D1F}
.rex-method a{color:#002868;font-weight:700;text-decoration:underline}

/* ============================================================
   RESPONSIVE — REAL EXAMPLES
   ============================================================ */
@media(max-width:700px){
  .rex-card-head{flex-wrap:wrap;gap:10px;padding:16px}
  .rex-mode-tag{margin-left:0}
  .rex-card-body{padding:16px}
  .rex-inputs{grid-template-columns:1fr 1fr}
  .rex-results{grid-template-columns:1fr 1fr}
}
@media(max-width:420px){
  .rex-inputs{grid-template-columns:1fr}
  .rex-results{grid-template-columns:1fr}
  .rex-card-head{padding:14px}
  .rex-card-body{padding:14px}
  .rex-method{flex-direction:column;gap:10px}
}
/* ============================================================
   PRO TIPS SECTION
   ============================================================ */
.tips-section{background:var(--bg,#F7F9FC);border-top:4px solid var(--navy,#002868);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.tips-container{max-width:1100px;margin-inline:auto}
.tips-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.tips-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.tips-section > .tips-container > h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.tips-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

/* Tip card */
.tip-card{background:#fff;border:1.5px solid #E0E4E8;border-radius:16px;margin-bottom:22px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08);transition:box-shadow .2s}
.tip-card:hover{box-shadow:0 4px 20px rgba(0,40,104,.12)}

/* Tip header */
.tip-head{display:flex;align-items:stretch;border-bottom:1px solid #E0E4E8}
.tip-num-block{display:flex;align-items:center;justify-content:center;padding:0 22px;background:linear-gradient(135deg,#00183F,#002868);min-width:68px;position:relative;overflow:hidden}
.tip-num-block::after{content:"";position:absolute;top:-20px;right:-15px;width:60px;height:60px;border-radius:50%;background:radial-gradient(circle,rgba(191,10,48,.2) 0,rgba(191,10,48,0) 72%)}
.tip-num{font:900 22px Montserrat,sans-serif;color:#fff;position:relative;z-index:1}
.tip-head-content{flex:1;padding:18px 20px;display:flex;align-items:center;gap:12px;flex-wrap:wrap;min-width:0}
.tip-head-content h3{font:800 clamp(.88rem,2vw,1.05rem) Montserrat,sans-serif;color:#00183F;flex:1;min-width:200px}
.tip-audience{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:999px;white-space:nowrap;font-family:Montserrat,sans-serif}
.tip-audience.employee{background:#dbeafe;color:#1e40af}
.tip-audience.employer{background:#fce8ec;color:#BF0A30}
.tip-audience.both{background:#e6f7ef;color:#065F46}

/* Tip body */
.tip-body{padding:22px}

/* Tip explanation */
.tip-explain{font-size:.88rem;color:#5F6368;line-height:1.75;margin-bottom:18px;max-width:72ch}
.tip-explain strong{color:#1D1D1F}

/* Action steps */
.tip-steps{display:flex;flex-direction:column;gap:8px;margin-bottom:18px}
.tip-step{display:flex;align-items:flex-start;gap:10px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px;padding:12px 14px}
.tip-step-icon{flex-shrink:0;width:24px;height:24px;background:rgba(0,40,104,.07);color:#002868;font:900 10px Montserrat,sans-serif;border-radius:6px;display:flex;align-items:center;justify-content:center;margin-top:1px}
.tip-step-text{font-size:.82rem;color:#5F6368;line-height:1.7}
.tip-step-text strong{color:#1D1D1F}

/* Numbers highlight row */
.tip-numbers{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;margin-bottom:18px}
.tip-number-box{border-radius:10px;padding:12px;text-align:center}
.tip-number-box.navy{background:linear-gradient(135deg,#00183F,#002868)}
.tip-number-box.green{background:#ECFDF5;border:1px solid #A7F3D0}
.tip-number-box.red{background:#FEF2F2;border:1px solid #FECACA}
.tip-number-box.amber{background:#FFF9F0;border:1px solid #F6E0B5}
.tn-label{font:700 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;margin-bottom:3px}
.tip-number-box.navy .tn-label{color:rgba(255,255,255,.55)}
.tip-number-box.green .tn-label{color:#065F46}
.tip-number-box.red .tn-label{color:#991B1B}
.tip-number-box.amber .tn-label{color:#9A6C11}
.tn-value{font:800 clamp(17px,3vw,22px) Montserrat,sans-serif;font-variant-numeric:tabular-nums}
.tip-number-box.navy .tn-value{color:#fff}
.tip-number-box.green .tn-value{color:#065F46}
.tip-number-box.red .tn-value{color:#991B1B}
.tip-number-box.amber .tn-value{color:#92400e}
.tn-sub{font-size:10px;margin-top:2px}
.tip-number-box.navy .tn-sub{color:rgba(255,255,255,.45)}
.tip-number-box.green .tn-sub,.tip-number-box.red .tn-sub,.tip-number-box.amber .tn-sub{color:#5F6368}

/* Pro insight callout */
.tip-insight{display:flex;gap:12px;align-items:flex-start;border-radius:10px;padding:14px 16px}
.tip-insight.green{background:#ECFDF5;border:1px solid #A7F3D0}
.tip-insight.amber{background:#FFF9F0;border:1px solid #F6E0B5}
.tip-insight.blue{background:#EFF6FF;border:1px solid #BFDBFE}
.tip-insight-icon{flex-shrink:0;font-size:16px;margin-top:1px}
.tip-insight p{font-size:.82rem;line-height:1.68}
.tip-insight.green p{color:#065F46}
.tip-insight.amber p{color:#9A6C11}
.tip-insight.blue p{color:#1e40af}
.tip-insight p strong{font-weight:800}

/* Comparison mini-table */
.tip-compare{border:1px solid #E0E4E8;border-radius:10px;overflow:hidden;margin-bottom:18px}
.tip-compare table{width:100%;border-collapse:collapse}
.tip-compare th,.tip-compare td{padding:10px 14px;border-bottom:1px solid #E0E4E8;text-align:left;font-size:12.5px}
.tip-compare th{font:700 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.05em;color:#5F6368;background:#FAFBFD}
.tip-compare tr:last-child td{border-bottom:none}
.tip-compare td strong{color:#00183F}
.tip-compare td{color:#5F6368;line-height:1.55}
.tip-compare .good-cell{color:#065F46;font-weight:700}
.tip-compare .bad-cell{color:#991B1B;font-weight:700}

/* Source footer */
.tips-source{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1.5px solid #E0E4E8;border-radius:12px;padding:16px 18px;margin-top:8px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.tips-source-icon{flex-shrink:0;font-size:18px;margin-top:2px}
.tips-source p{font-size:.8rem;color:#5F6368;line-height:1.7}
.tips-source a{color:#002868;font-weight:700;text-decoration:underline}

/* ============================================================
   RESPONSIVE — PRO TIPS
   ============================================================ */
@media(max-width:700px){
  .tip-head{flex-direction:column}
  .tip-num-block{padding:12px 20px;min-width:100%;justify-content:flex-start;gap:10px;flex-direction:row}
  .tip-num-block::after{top:-10px;right:10px;width:40px;height:40px}
  .tip-head-content{padding:14px 16px}
  .tip-head-content h3{min-width:0}
  .tip-body{padding:16px}
  .tip-numbers{grid-template-columns:1fr 1fr}
}
@media(max-width:420px){
  .tip-numbers{grid-template-columns:1fr}
  .tip-step{flex-direction:column;gap:6px}
  .tip-insight{flex-direction:column;gap:8px}
  .tip-compare th,.tip-compare td{padding:8px 10px;font-size:11.5px}
  .tips-source{flex-direction:column;gap:10px}
}
/* ============================================================
   FAQ SECTION
   ============================================================ */
.faq-section{background:#fff;border-top:4px solid var(--red,#BF0A30);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.faq-container{max-width:1100px;margin-inline:auto}
.faq-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.faq-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.faq-section > .faq-container > h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.faq-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

.faq-category{display:inline-flex;align-items:center;gap:6px;font:800 11px Montserrat,sans-serif;letter-spacing:.06em;text-transform:uppercase;padding:6px 12px;border-radius:8px;margin-bottom:16px;margin-top:28px}
.faq-category:first-of-type{margin-top:0}
.faq-category.basics{background:#dbeafe;color:#1e40af}
.faq-category.calculator{background:#e6f7ef;color:#065F46}
.faq-category.employee{background:#fef3c7;color:#92400e}
.faq-category.employer{background:#fce8ec;color:#BF0A30}
.faq-category.advanced{background:#f3e8ff;color:#6b21a8}

.faq-item{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:12px;margin-bottom:10px;overflow:hidden;transition:box-shadow .2s}
.faq-item:hover{box-shadow:0 2px 12px rgba(0,40,104,.08)}
.faq-item[open]{background:#fff;border-color:#002868;box-shadow:0 4px 20px rgba(0,40,104,.1)}
.faq-item[open] .faq-q{color:#002868}
.faq-item[open] .faq-q::after{transform:rotate(45deg);color:#BF0A30}

.faq-q{display:flex;align-items:center;gap:12px;padding:16px 20px;font:700 clamp(.82rem,1.8vw,.92rem)/1.45 Montserrat,sans-serif;color:#00183F;cursor:pointer;list-style:none;-webkit-user-select:none;user-select:none;position:relative}
.faq-q::-webkit-details-marker{display:none}
.faq-q::before{content:"";width:6px;height:6px;border-radius:50%;background:#002868;flex-shrink:0}
.faq-q::after{content:"+";margin-left:auto;font-size:18px;font-weight:800;color:#5F6368;transition:transform .2s;flex-shrink:0;line-height:1}

.faq-a{padding:0 20px 18px 38px;font-size:.86rem;color:#5F6368;line-height:1.78}
.faq-a p{margin-bottom:10px;max-width:72ch}
.faq-a p:last-child{margin-bottom:0}
.faq-a strong{color:#1D1D1F}
.faq-a a{color:#002868;font-weight:700;text-decoration:underline}
.faq-a code{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:4px;padding:2px 6px;font-size:.8rem;color:#002868;font-family:'Courier New',monospace}

.faq-source{display:flex;gap:14px;align-items:flex-start;background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:12px;padding:16px 18px;margin-top:24px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.faq-source-icon{flex-shrink:0;font-size:18px;margin-top:2px}
.faq-source p{font-size:.8rem;color:#5F6368;line-height:1.7}
.faq-source a{color:#002868;font-weight:700;text-decoration:underline}

@media(max-width:560px){
  .faq-q{padding:14px 16px;gap:10px}
  .faq-a{padding:0 16px 16px 32px}
  .faq-source{flex-direction:column;gap:10px}
}
/* ============================================================
   RELATED CALCULATORS SECTION
   ============================================================ */
.related-section{background:var(--bg,#F7F9FC);border-top:4px solid var(--navy,#002868);padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.related-container{max-width:1100px;margin-inline:auto}
.related-eyebrow{display:inline-flex;align-items:center;gap:7px;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.12);color:#002868;padding:5px 14px;border-radius:999px;font:800 11px Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.related-eyebrow i{width:7px;height:7px;border-radius:50%;background:#00875A;display:inline-block}
.related-section > .related-container > h2{font:800 clamp(1.35rem,3vw,2rem)/1.2 Montserrat,sans-serif;color:#00183F;margin-bottom:.7rem}
.related-intro{font-size:1rem;color:#5F6368;max-width:72ch;line-height:1.72;margin-bottom:2.25rem}

/* Grid */
.related-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(310px,100%),1fr));gap:18px}

/* Card */
.related-card{background:#fff;border:1.5px solid #E0E4E8;border-radius:14px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 1px 4px rgba(0,40,104,.06);transition:transform .22s,box-shadow .22s;text-decoration:none;color:inherit}
.related-card:hover{transform:translateY(-4px);box-shadow:0 8px 28px rgba(0,40,104,.13)}
.related-card:active{transform:translateY(-1px)}

/* Card header stripe */
.rc-stripe{height:5px;width:100%}
.rc-stripe.personal{background:linear-gradient(90deg,#002868,#0052CC)}
.rc-stripe.legal{background:linear-gradient(90deg,#6B21A8,#9333EA)}
.rc-stripe.tax{background:linear-gradient(90deg,#BF0A30,#EF4444)}
.rc-stripe.investing{background:linear-gradient(90deg,#065F46,#00875A)}
.rc-stripe.loans{background:linear-gradient(90deg,#92400e,#D97706)}
.rc-stripe.business{background:linear-gradient(90deg,#1e40af,#3B82F6)}
.rc-stripe.insurance{background:linear-gradient(90deg,#0e7490,#22D3EE)}
.rc-stripe.credit{background:linear-gradient(90deg,#9f1239,#F43F5E)}
.rc-stripe.mortgage{background:linear-gradient(90deg,#374151,#6B7280)}

/* Card body */
.rc-body{padding:18px 20px;flex:1;display:flex;flex-direction:column}

/* Icon + category row */
.rc-top{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.rc-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.rc-icon.personal{background:#dbeafe;color:#1e40af}
.rc-icon.legal{background:#f3e8ff;color:#6b21a8}
.rc-icon.tax{background:#fce8ec;color:#BF0A30}
.rc-icon.investing{background:#e6f7ef;color:#065F46}
.rc-icon.loans{background:#fef3c7;color:#92400e}
.rc-icon.business{background:#dbeafe;color:#1e40af}
.rc-icon.insurance{background:#e0f7fa;color:#0e7490}
.rc-icon.credit{background:#ffe4e6;color:#9f1239}
.rc-icon.mortgage{background:#f3f4f6;color:#374151}
.rc-cat{font:800 9px Montserrat,sans-serif;text-transform:uppercase;letter-spacing:.06em;padding:3px 8px;border-radius:999px;white-space:nowrap}
.rc-cat.personal{background:#dbeafe;color:#1e40af}
.rc-cat.legal{background:#f3e8ff;color:#6b21a8}
.rc-cat.tax{background:#fce8ec;color:#BF0A30}
.rc-cat.investing{background:#e6f7ef;color:#065F46}
.rc-cat.loans{background:#fef3c7;color:#92400e}
.rc-cat.business{background:#dbeafe;color:#1e40af}
.rc-cat.insurance{background:#e0f7fa;color:#0e7490}
.rc-cat.credit{background:#ffe4e6;color:#9f1239}
.rc-cat.mortgage{background:#f3f4f6;color:#374151}

/* Card title */
.rc-title{font:800 clamp(.85rem,1.8vw,.95rem)/1.35 Montserrat,sans-serif;color:#00183F;margin-bottom:8px}

/* Card description */
.rc-desc{font-size:.8rem;color:#5F6368;line-height:1.68;flex:1;margin-bottom:14px}

/* Card "why related" tag */
.rc-why{font-size:10px;font-weight:700;color:#002868;background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.1);padding:5px 10px;border-radius:8px;display:inline-flex;align-items:center;gap:5px;line-height:1.3}
.rc-why::before{content:"🔗";font-size:11px}

/* Card footer CTA */
.rc-footer{border-top:1px solid #E0E4E8;padding:12px 20px;display:flex;align-items:center;justify-content:space-between}
.rc-cta{font:700 12px Montserrat,sans-serif;color:#002868;text-transform:uppercase;letter-spacing:.04em;display:flex;align-items:center;gap:6px}
.rc-cta::after{content:"→";font-size:14px;transition:transform .2s}
.related-card:hover .rc-cta::after{transform:translateX(4px)}
.rc-free{font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:#065F46;background:#ECFDF5;padding:3px 8px;border-radius:999px}

/* ============================================================
   RESPONSIVE — RELATED CALCULATORS
   ============================================================ */
@media(max-width:700px){
  .related-grid{grid-template-columns:1fr;gap:14px}
  .rc-body{padding:16px}
  .rc-footer{padding:10px 16px}
}
/* ============================================================
   DISCLAIMER & TRANSPARENCY SECTION
   ============================================================ */
.disclaimer-section{background:#fff;border-top:4px solid #5F6368;padding:clamp(2.5rem,6vw,5rem) clamp(1rem,4vw,2rem);font-family:Inter,sans-serif;color:#1D1D1F}
.disclaimer-container{max-width:1100px;margin-inline:auto}

/* Two-column layout */
.disc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:28px}

/* Card base */
.disc-card{background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:14px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.06)}

/* Card header */
.disc-card-head{display:flex;align-items:center;gap:12px;padding:18px 22px;border-bottom:1px solid #E0E4E8}
.disc-card-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:17px;flex-shrink:0}
.disc-card-icon.legal{background:#fce8ec;color:#BF0A30}
.disc-card-icon.editorial{background:#dbeafe;color:#002868}
.disc-card-head h3{font:800 clamp(.9rem,2vw,1.05rem)/1.3 Montserrat,sans-serif;color:#00183F}

/* Card body */
.disc-card-body{padding:20px 22px}
.disc-card-body p{font-size:.84rem;color:#5F6368;line-height:1.78;margin-bottom:12px;max-width:72ch}
.disc-card-body p:last-child{margin-bottom:0}
.disc-card-body strong{color:#1D1D1F}
.disc-card-body a{color:#002868;font-weight:700;text-decoration:underline}

/* Bullet list inside cards */
.disc-list{list-style:none;padding:0;margin:0 0 12px}
.disc-list li{position:relative;padding-left:18px;font-size:.82rem;color:#5F6368;line-height:1.72;margin-bottom:6px}
.disc-list li::before{content:"";position:absolute;left:0;top:8px;width:6px;height:6px;border-radius:50%}
.disc-list.legal-list li::before{background:#BF0A30}
.disc-list.edit-list li::before{background:#002868}
.disc-list li strong{color:#1D1D1F}

/* Government authority links bar */
.gov-links{background:linear-gradient(135deg,#00183F,#002868);border-radius:14px;padding:24px 26px;margin-bottom:24px;box-shadow:0 4px 20px rgba(0,40,104,.15)}
.gov-links-title{display:flex;align-items:center;gap:10px;margin-bottom:16px}
.gov-links-title h3{font:800 clamp(.9rem,2vw,1.05rem)/1.3 Montserrat,sans-serif;color:#fff}
.gov-links-title span{font-size:18px}
.gov-links-desc{font-size:.82rem;color:rgba(255,255,255,.6);line-height:1.7;margin-bottom:18px;max-width:72ch}

.gov-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(240px,100%),1fr));gap:12px}
.gov-link{display:flex;align-items:flex-start;gap:12px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:14px 16px;text-decoration:none;color:#fff;transition:background .2s,border-color .2s}
.gov-link:hover{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.25)}
.gov-link-icon{width:36px;height:36px;background:rgba(255,255,255,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0}
.gov-link-text{flex:1;min-width:0}
.gov-link-name{font:700 12px Montserrat,sans-serif;color:#fff;margin-bottom:3px;line-height:1.3}
.gov-link-url{font-size:10px;color:rgba(255,255,255,.45);word-break:break-all;line-height:1.4}
.gov-link-badge{font-size:8px;font-weight:800;text-transform:uppercase;letter-spacing:.05em;background:rgba(255,255,255,.15);color:rgba(255,255,255,.7);padding:2px 6px;border-radius:4px;margin-top:4px;display:inline-block}

/* Data methodology note */
.method-note{background:#FFF9F0;border:1.5px solid #F6E0B5;border-radius:14px;padding:20px 22px;margin-bottom:24px;display:flex;gap:14px;align-items:flex-start}
.method-note-icon{flex-shrink:0;font-size:20px;margin-top:2px}
.method-note-content h4{font:800 .88rem Montserrat,sans-serif;color:#92400e;margin-bottom:6px}
.method-note-content p{font-size:.82rem;color:#9A6C11;line-height:1.72;margin-bottom:6px;max-width:72ch}
.method-note-content p:last-child{margin-bottom:0}
.method-note-content a{color:#92400e;font-weight:700;text-decoration:underline}

/* Last updated footer */
.disc-footer{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:16px 20px;background:#F7F9FC;border:1.5px solid #E0E4E8;border-radius:12px}
.disc-footer-left{display:flex;align-items:center;gap:8px;font-size:.78rem;color:#5F6368}
.disc-footer-left strong{color:#1D1D1F}
.disc-footer-dot{width:6px;height:6px;border-radius:50%;background:#00875A}
.disc-footer-right{font-size:.76rem;color:#5F6368}
.disc-footer-right a{color:#002868;font-weight:700;text-decoration:underline}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media(max-width:768px){
  .disc-grid{grid-template-columns:1fr}
  .gov-grid{grid-template-columns:1fr}
}
@media(max-width:420px){
  .disc-card-head{padding:14px 16px}
  .disc-card-body{padding:16px}
  .gov-links{padding:18px 16px}
  .method-note{flex-direction:column;gap:10px}
  .disc-footer{flex-direction:column;align-items:flex-start;gap:8px}
}


/* ==========================================================
   KPI VALUE FONT SIZE FIX
   ========================================================== */
.k-value {
    font-size: clamp(18px, 2vw, 22px) !important; /* Caps the max size at 22px */
    font-weight: 600 !important; /* Keeps it semi-bold and clean */
    line-height: 1.2 !important;
    word-break: break-word; /* Ensures long numbers don't break the layout */
}
/* ==========================================================
   UI TYPOGRAPHY FIXES (Bold & Brand Colors for Headings)
   ========================================================== */

/* 1. Main Section Titles ("Inflation inputs", "Results dashboard") */
.sec-title h2 {
    font-family: 'Montserrat', sans-serif !important;
    font-weight: 800 !important;
    font-size: 20px !important;
    color: var(--navy) !important;
}

/* 2. The Title Badges ("Calculator only", "Salary value") */
.sec-title h2 .help {
    color: var(--navy) !important;
    font-weight: 700 !important;
    background-color: #EEF2F7 !important; /* Subtle navy-tinted background */
    border: 1px solid rgba(0, 40, 104, 0.15) !important;
}

/* 3. Card Titles ("Pay change mix", "Adjustment chart", etc.) */
.card h3 {
    font-family: 'Montserrat', sans-serif !important;
    font-weight: 800 !important;
    font-size: 15px !important;
    color: var(--navy) !important;
    margin-bottom: 16px !important;
    text-transform: uppercase !important;
    letter-spacing: 0.04em !important;
    border-bottom: 2px solid #E0E4E8 !important; /* Clean bottom divider line */
    padding-bottom: 10px !important;
}