#sceWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1140px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ── HEADER ────────────────────────────────── */
.sce-header {
  text-align: center;
  padding: 38px 28px 30px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #001240 100%);
  border-radius: 18px;
  margin-bottom: 20px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.sce-header::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.sce-header-icon { font-size: 2.8rem; margin-bottom: 12px; display: block; }
.sce-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.3rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 12px !important;
  line-height: 1.2 !important;
}
.sce-subtitle {
  font-size: 0.92rem;
  color: rgba(255,255,255,0.8);
  max-width: 720px;
  margin: 0 auto;
  line-height: 1.65;
}
.sce-badges {
  display: flex; flex-wrap: wrap;
  justify-content: center; gap: 8px;
  margin-top: 18px;
}
.sce-badge {
  font-size: 0.72rem; font-weight: 700;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  color: rgba(255,255,255,0.9);
  padding: 4px 12px;
  border-radius: 20px;
  letter-spacing: 0.03em;
}

/* ── INDUSTRY PRESET BAR ──────────────────── */
.sce-preset-wrap {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 16px 20px;
  margin-bottom: 20px;
}
.sce-preset-lbl {
  font-size: 0.72rem; font-weight: 800;
  letter-spacing: 0.07em; text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin-bottom: 12px; display: block;
}
.sce-preset-pills {
  display: flex; flex-wrap: wrap; gap: 8px;
}
.sce-pill {
  padding: 7px 14px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  background: var(--global-palette6, #F7F9FC);
  color: var(--global-palette4, #5F6368);
  font-size: 0.8rem; font-weight: 600;
  cursor: pointer; transition: all 0.18s;
  white-space: nowrap;
}
.sce-pill:hover {
  border-color: var(--global-palette1, #002868);
  color: var(--global-palette1, #002868);
  background: #fff;
}
.sce-pill.active {
  background: var(--global-palette1, #002868);
  border-color: var(--global-palette1, #002868);
  color: #fff;
}

/* ── GRID ──────────────────────────────────── */
.sce-grid {
  display: grid;
  grid-template-columns: 55fr 45fr;
  gap: 22px;
  align-items: start;
}

/* ── PANELS ────────────────────────────────── */
.sce-input-panel, .sce-results-panel {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 26px;
}
.sce-results-panel {
  background: var(--global-palette6, #F7F9FC);
}

/* ── SECTION LABEL ─────────────────────────── */
.sce-slbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem; font-weight: 800;
  letter-spacing: 0.07em; text-transform: uppercase;
  color: var(--global-palette1, #002868);
  margin: 22px 0 13px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--global-palette5, #E0E4E8);
  display: block;
}
.sce-slbl:first-of-type { margin-top: 0; }
.sce-optional {
  font-size: 0.66rem; font-weight: 500;
  color: var(--global-palette4, #5F6368);
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 4px; padding: 1px 6px; margin-left: 6px;
}

/* ── PHASE TABS ─────────────────────────────── */
.sce-tabs {
  display: flex; gap: 0;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 10px; overflow: hidden;
  margin-bottom: 16px;
}
.sce-tab-btn {
  flex: 1; padding: 9px 8px;
  background: var(--global-palette6, #F7F9FC);
  border: none; border-right: 1.5px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  font-size: 0.78rem; font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  cursor: pointer; transition: all 0.18s;
  letter-spacing: 0.02em;
}
.sce-tab-btn:last-child { border-right: none; }
.sce-tab-btn.active {
  background: var(--global-palette1, #002868);
  color: #fff;
}
.sce-tab-content { display: none; }
.sce-tab-content.active { display: block; }

/* ── COST TABLE ─────────────────────────────── */
.sce-cost-tbl { width: 100%; border-collapse: collapse; }
.sce-cost-tbl tr { border-bottom: 1px solid var(--global-palette5, #E0E4E8); }
.sce-cost-tbl tr:last-child { border-bottom: none; }
.sce-cost-tbl td { padding: 8px 4px; vertical-align: middle; }
.sce-cost-tbl td:first-child {
  font-size: 0.815rem; font-weight: 500;
  color: var(--global-palette4, #5F6368);
  padding-right: 12px; width: 55%;
}
.sce-cost-input-wrap {
  display: flex; align-items: stretch;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 7px; overflow: hidden;
  background: #fff; transition: border-color 0.2s;
}
.sce-cost-input-wrap:focus-within { border-color: var(--global-palette1, #002868); }
.sce-cost-pre {
  display: flex; align-items: center; padding: 0 8px;
  background: var(--global-palette6, #F7F9FC);
  border-right: 1.5px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  font-size: 0.82rem; font-weight: 600; flex-shrink: 0;
}
.sce-cost-input-wrap input {
  flex: 1; border: none; outline: none;
  padding: 0 8px; height: 34px;
  font-size: 0.82rem; color: var(--global-palette3, #1D1D1F);
  background: transparent; font-family: 'Inter', sans-serif;
  -moz-appearance: textfield; min-width: 0;
}
.sce-cost-input-wrap input::-webkit-outer-spin-button,
.sce-cost-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; }

/* Phase total row */
.sce-phase-total {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 10px; padding: 10px 12px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 8px;
  font-size: 0.875rem; font-weight: 700;
  color: var(--global-palette1, #002868);
}
.sce-phase-total span:last-child {
  font-family: 'Montserrat', 'Inter', sans-serif;
}

/* Months selector row */
.sce-months-row {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 14px;
}
.sce-months-row label {
  font-size: 0.82rem; font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  flex: 1;
}
.sce-months-select {
  height: 34px; padding: 0 28px 0 10px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 7px; background: #fff;
  font-size: 0.82rem; font-family: 'Inter', sans-serif;
  outline: none; cursor: pointer;
  -webkit-appearance: none; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%235F6368' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 10px center;
  transition: border-color 0.2s;
}
.sce-months-select:focus { border-color: var(--global-palette1, #002868); }

/* ── INPUT GROUPS ───────────────────────────── */
.sce-ig { margin-bottom: 13px; }
.sce-ig label {
  display: flex; align-items: center; gap: 5px;
  font-size: 0.85rem; font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 6px;
}
.sce-req { color: var(--global-palette8, #BF0A30); font-size: 1rem; line-height: 1; }
.sce-tip {
  display: inline-flex; align-items: center; justify-content: center;
  width: 14px; height: 14px;
  background: var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  border-radius: 50%; font-size: 0.58rem; font-weight: 700;
  cursor: help; flex-shrink: 0;
}
.sce-irow {
  display: flex; align-items: stretch;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 9px; overflow: hidden;
  background: #fff; transition: border-color 0.2s, box-shadow 0.2s;
}
.sce-irow:focus-within {
  border-color: var(--global-palette1, #002868);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.09);
}
.sce-sym {
  display: flex; align-items: center; padding: 0 11px;
  background: var(--global-palette6, #F7F9FC);
  color: var(--global-palette4, #5F6368);
  font-weight: 600; font-size: 0.88rem; flex-shrink: 0;
  min-height: 42px;
}
.sce-sym.right { border-left: 1.5px solid var(--global-palette5, #E0E4E8); font-size: 0.8rem; }
.sce-sym.left  { border-right: 1.5px solid var(--global-palette5, #E0E4E8); }
.sce-irow input, .sce-irow select {
  flex: 1; border: none; outline: none; padding: 0 13px; height: 42px;
  font-size: 0.9rem; color: var(--global-palette3, #1D1D1F);
  background: transparent; font-family: 'Inter', sans-serif;
  -moz-appearance: textfield; min-width: 0;
  -webkit-appearance: none; appearance: none;
}
.sce-irow input::-webkit-outer-spin-button,
.sce-irow input::-webkit-inner-spin-button { -webkit-appearance: none; }
.sce-hint { font-size: 0.7rem; color: var(--global-palette4, #5F6368); margin-top: 4px; display: block; line-height: 1.4; }
.sce-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

/* ── CONTINGENCY SELECTOR ───────────────────── */
.sce-conting-btns {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;
  margin-bottom: 10px;
}
.sce-conting-btn {
  padding: 9px 6px; border-radius: 8px;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  background: var(--global-palette6, #F7F9FC);
  color: var(--global-palette4, #5F6368);
  font-size: 0.8rem; font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  cursor: pointer; transition: all 0.18s; text-align: center;
}
.sce-conting-btn:hover {
  border-color: var(--global-palette1, #002868);
  color: var(--global-palette1, #002868);
}
.sce-conting-btn.active {
  background: var(--global-palette1, #002868);
  border-color: var(--global-palette1, #002868);
  color: #fff;
}
.sce-conting-info {
  font-size: 0.72rem; color: var(--global-palette4, #5F6368);
  padding: 8px 12px;
  background: var(--global-palette6, #F7F9FC);
  border-radius: 7px; line-height: 1.5;
  border-left: 3px solid var(--global-palette1, #002868);
}

/* ── ADVANCED TOGGLE ─────────────────────────── */
.sce-adv-toggle {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 14px;
  background: var(--global-palette6, #F7F9FC);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 9px; cursor: pointer;
  font-size: 0.84rem; font-weight: 600;
  color: var(--global-palette3, #1D1D1F);
  transition: border-color 0.2s;
  margin-top: 6px;
}
.sce-adv-toggle:hover { border-color: var(--global-palette1, #002868); }
.sce-adv-arrow { font-size: 0.7rem; transition: transform 0.2s; }
.sce-adv-arrow.open { transform: rotate(180deg); }
.sce-adv-body { display: none; margin-top: 14px; }
.sce-adv-body.open { display: block; }

/* ── ACTION BUTTONS ──────────────────────────── */
.sce-actions { display: flex; flex-direction: column; gap: 10px; margin-top: 22px; }
.sce-btn-calc {
  display: flex; align-items: center; justify-content: center; gap: 9px;
  width: 100%; padding: 14px 20px;
  background: var(--global-palette9, #00875A); color: #fff;
  border: none; border-radius: 10px;
  font-size: 1rem; font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  cursor: pointer; transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  letter-spacing: 0.02em;
}
.sce-btn-calc:hover { background: #006E49; transform: translateY(-2px); box-shadow: 0 6px 18px rgba(0,135,90,0.32); }
.sce-btn-calc:active { transform: translateY(0); }
.sce-btn-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.sce-btn-pdf, .sce-btn-wa, .sce-btn-reset {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 16px; border-radius: 10px;
  font-size: 0.875rem; font-weight: 600;
  font-family: 'Inter', sans-serif; cursor: pointer; transition: all 0.2s;
}
.sce-btn-pdf { color: var(--global-palette8, #BF0A30); border: 1.5px solid var(--global-palette8, #BF0A30); background: transparent; }
.sce-btn-pdf:hover { background: var(--global-palette8, #BF0A30); color: #fff; }
.sce-btn-wa  { color: #128C7E; border: 1.5px solid #25D366; background: transparent; }
.sce-btn-wa:hover { background: #25D366; color: #fff; }
.sce-btn-reset {
  background: transparent; color: var(--global-palette4, #5F6368);
  border: 1.5px solid var(--global-palette5, #E0E4E8); width: 100%;
}
.sce-btn-reset:hover { border-color: var(--global-palette8, #BF0A30); color: var(--global-palette8, #BF0A30); }

/* ── EMPTY STATE ──────────────────────────────── */
.sce-empty {
  text-align: center; padding: 44px 20px;
  color: var(--global-palette4, #5F6368);
}
.sce-empty-icon { font-size: 3rem; display: block; margin-bottom: 14px; opacity: 0.4; }

/* ── RESULTS ──────────────────────────────────── */
.sce-results { display: none; }

/* Performance Badge */
.sce-badge-res {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 16px; border-radius: 20px;
  font-size: 0.78rem; font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  margin-bottom: 16px; letter-spacing: 0.02em;
}
.sce-funded    { background: #dcfce7; color: #15803d; border: 1.5px solid #bbf7d0; }
.sce-partial   { background: #fef3c7; color: #92400e; border: 1.5px solid #fde68a; }
.sce-underfund { background: #fee2e2; color: #991b1b; border: 1.5px solid #fecaca; }

/* Primary Metric */
.sce-primary {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #001240 100%);
  border-radius: 14px; padding: 20px; text-align: center; margin-bottom: 14px;
}
.sce-primary-lbl {
  font-size: 0.7rem; font-weight: 700;
  color: rgba(255,255,255,0.65); text-transform: uppercase;
  letter-spacing: 0.08em; margin-bottom: 6px;
}
.sce-primary-val {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: clamp(1.6rem,3vw,2.1rem); font-weight: 800; color: #fff; line-height: 1;
}
.sce-primary-sub { font-size: 0.77rem; color: rgba(255,255,255,0.6); margin-top: 5px; }

/* Phase Breakdown Bars */
.sce-phase-bar-wrap { margin-bottom: 14px; }
.sce-phase-bar-row {
  display: flex; align-items: center; gap: 8px; margin-bottom: 6px;
}
.sce-pbl { font-size: 0.75rem; font-weight: 600; color: var(--global-palette4, #5F6368); width: 90px; flex-shrink: 0; }
.sce-pb-track { flex: 1; height: 9px; background: var(--global-palette5, #E0E4E8); border-radius: 5px; overflow: hidden; }
.sce-pb-fill { height: 100%; border-radius: 5px; transition: width 0.6s ease; }
.sce-pb-fill-pre  { background: var(--global-palette1, #002868); }
.sce-pb-fill-launch { background: var(--global-palette8, #BF0A30); }
.sce-pb-fill-ops  { background: var(--global-palette9, #00875A); }
.sce-pbv { font-size: 0.75rem; font-weight: 700; color: var(--global-palette3, #1D1D1F); width: 58px; text-align: right; flex-shrink: 0; }

/* Metrics Grid */
.sce-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; margin-bottom: 13px; }
.sce-mc {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 11px; padding: 12px 13px;
  transition: box-shadow 0.2s;
}
.sce-mc:hover { box-shadow: 0 3px 12px rgba(0,40,104,0.07); }
.sce-mc-lbl { font-size: 0.67rem; font-weight: 700; color: var(--global-palette4, #5F6368); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.sce-mc-val { font-family: 'Montserrat','Inter',sans-serif; font-size: 1rem; font-weight: 800; color: var(--global-palette1, #002868); line-height: 1.2; }
.sce-mc-sub { font-size: 0.67rem; color: var(--global-palette4, #5F6368); margin-top: 2px; }

/* Colored info cards */
.sce-info-card {
  border-radius: 12px; padding: 14px 16px; margin-bottom: 11px;
}
.sce-card-green  { background: #f0fdf4; border: 1.5px solid #bbf7d0; }
.sce-card-blue   { background: #eff6ff; border: 1.5px solid #bfdbfe; }
.sce-card-yellow { background: #fefce8; border: 1.5px solid #fde68a; }
.sce-card-red    { background: #fff1f2; border: 1.5px solid #fecdd3; }
.sce-card-purple { background: #faf5ff; border: 1.5px solid #e9d5ff; }
.sce-card-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.7rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.07em;
  margin-bottom: 10px; padding-bottom: 7px;
  display: block;
}
.sce-card-green  .sce-card-title { color: #15803d; border-bottom: 1.5px solid #bbf7d0; }
.sce-card-blue   .sce-card-title { color: #1d4ed8; border-bottom: 1.5px solid #bfdbfe; }
.sce-card-yellow .sce-card-title { color: #92400e; border-bottom: 1.5px solid #fde68a; }
.sce-card-red    .sce-card-title { color: #9f1239; border-bottom: 1.5px solid #fecdd3; }
.sce-card-purple .sce-card-title { color: #7e22ce; border-bottom: 1.5px solid #e9d5ff; }
.sce-card-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 5px 0; border-bottom: 1px dashed rgba(0,0,0,0.06);
  font-size: 0.84rem;
}
.sce-card-row:last-child { border-bottom: none; }
.sce-card-row span:first-child { color: var(--global-palette4, #5F6368); }
.sce-card-row span:last-child { font-weight: 700; font-family: 'Montserrat','Inter',sans-serif; }
.sce-card-green  .sce-card-row span:last-child { color: #15803d; }
.sce-card-blue   .sce-card-row span:last-child { color: #1d4ed8; }
.sce-card-yellow .sce-card-row span:last-child { color: #92400e; }
.sce-card-red    .sce-card-row span:last-child { color: #9f1239; }
.sce-card-purple .sce-card-row span:last-child { color: #7e22ce; }

/* Benchmark bar */
.sce-bm-row { display: flex; align-items: center; gap: 8px; margin-bottom: 5px; }
.sce-bm-lbl { font-size: 0.74rem; font-weight: 600; color: var(--global-palette3, #1D1D1F); width: 55px; flex-shrink: 0; }
.sce-bm-track { flex: 1; height: 8px; background: var(--global-palette5, #E0E4E8); border-radius: 4px; overflow: hidden; }
.sce-bm-fill { height: 100%; border-radius: 4px; transition: width 0.6s ease; }
.sce-bm-val { font-size: 0.74rem; font-weight: 700; width: 55px; text-align: right; flex-shrink: 0; }

/* Error box */
.sce-error {
  background: #fff1f2; border: 1.5px solid #fecdd3;
  border-radius: 9px; padding: 12px 15px;
  font-size: 0.855rem; color: #9f1239; margin-bottom: 14px;
  display: none; align-items: flex-start; gap: 10px;
}
.sce-error.show { display: flex; }

/* ── BELOW-GRID SECTIONS ─────────────────────── */
.sce-below { margin-top: 22px; }
.sce-full-section {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px; padding: 26px; margin-bottom: 20px;
  display: none;
}
.sce-full-section.show { display: block; }
.sce-section-hdr {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.92rem; font-weight: 800;
  color: var(--global-palette1, #002868); margin-bottom: 5px;
}
.sce-section-sub {
  font-size: 0.8rem; color: var(--global-palette4, #5F6368);
  margin-bottom: 18px; line-height: 1.5;
}

/* Phase Timeline */
.sce-timeline {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
}
.sce-tl-card {
  border-radius: 12px; padding: 16px;
  border: 1.5px solid transparent;
}
.sce-tl-pre    { background: #eff6ff; border-color: #bfdbfe; }
.sce-tl-launch { background: #fff1f2; border-color: #fecdd3; }
.sce-tl-ops    { background: #f0fdf4; border-color: #bbf7d0; }
.sce-tl-phase {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.68rem; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.07em; margin-bottom: 8px;
}
.sce-tl-pre .sce-tl-phase    { color: #1d4ed8; }
.sce-tl-launch .sce-tl-phase { color: #9f1239; }
.sce-tl-ops .sce-tl-phase    { color: #15803d; }
.sce-tl-amount {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 1.3rem; font-weight: 800;
  margin-bottom: 5px;
}
.sce-tl-pre .sce-tl-amount    { color: #1d4ed8; }
.sce-tl-launch .sce-tl-amount { color: #9f1239; }
.sce-tl-ops .sce-tl-amount    { color: #15803d; }
.sce-tl-desc { font-size: 0.75rem; color: var(--global-palette4, #5F6368); line-height: 1.5; }
.sce-tl-items { margin-top: 8px; }
.sce-tl-item {
  display: flex; justify-content: space-between;
  font-size: 0.75rem; padding: 3px 0;
  border-bottom: 1px dashed rgba(0,0,0,0.08);
  color: var(--global-palette4, #5F6368);
}
.sce-tl-item:last-child { border-bottom: none; }
.sce-tl-item span:last-child { font-weight: 700; }

/* Sensitivity Table */
.sce-sens-overflow { overflow-x: auto; }
.sce-sens-tbl { width: 100%; border-collapse: collapse; font-size: 0.81rem; }
.sce-sens-tbl thead tr { background: var(--global-palette1, #002868); }
.sce-sens-tbl th {
  padding: 11px 14px; color: #fff; text-align: center;
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.04em;
}
.sce-sens-tbl th:first-child { text-align: left; }
.sce-sens-tbl td {
  padding: 9px 14px; border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  text-align: center; color: var(--global-palette4, #5F6368);
}
.sce-sens-tbl td:first-child { text-align: left; font-weight: 600; color: var(--global-palette3, #1D1D1F); }
.sce-sens-tbl tr:nth-child(even) td { background: var(--global-palette6, #F7F9FC); }
.sce-sens-tbl tr.sce-base-row td { background: #dcfce7 !important; color: #15803d !important; font-weight: 700 !important; }
.sce-sens-tbl tr:last-child td { border-bottom: none; }
.sce-sens-note {
  font-size: 0.75rem; color: var(--global-palette4, #5F6368);
  margin-top: 12px; padding: 10px 14px;
  background: var(--global-palette6, #F7F9FC);
  border-radius: 8px; line-height: 1.55;
}

/* Improvement tips */
.sce-tips-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
.sce-tip-card {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 11px; padding: 14px;
}
.sce-tip-icon { font-size: 1.4rem; margin-bottom: 7px; display: block; }
.sce-tip-title { font-size: 0.8rem; font-weight: 700; color: var(--global-palette3, #1D1D1F); margin-bottom: 5px; }
.sce-tip-text { font-size: 0.74rem; color: var(--global-palette4, #5F6368); line-height: 1.55; }

/* ── RESPONSIVE ──────────────────────────────── */
@media (max-width: 920px) {
  .sce-grid { grid-template-columns: 1fr; }
  .sce-timeline { grid-template-columns: 1fr; }
  .sce-tips-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .sce-metrics { grid-template-columns: 1fr 1fr; }
  .sce-btn-row { grid-template-columns: 1fr; }
  .sce-conting-btns { grid-template-columns: repeat(4, 1fr); }
  .sce-2col { grid-template-columns: 1fr; }
  .sce-tips-grid { grid-template-columns: 1fr; }
  .sce-badges { gap: 5px; }
  .sce-badge { font-size: 0.66rem; padding: 3px 9px; }
}


/* ================================================
   HOW THIS CALCULATOR WORKS — CSS
   USFinanceCalculators.com | Kadence Integration
   ================================================ */

#hiwWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1120px;
  margin: 0 auto;
  color: var(--global-palette3, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- PAGE HEADER ---- */
.hiw-page-header {
  text-align: center;
  padding: 48px 28px 40px;
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 18px;
  margin-bottom: 40px;
  color: #fff;
}
.hiw-page-header-icon { font-size: 2.6rem; display: block; margin-bottom: 16px; }
.hiw-page-header h2 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.35rem, 3vw, 1.9rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 14px !important;
  line-height: 1.2 !important;
}
.hiw-page-header p {
  font-size: 1rem;
  color: rgba(255,255,255,0.82);
  max-width: 740px;
  margin: 0 auto 20px;
  line-height: 1.7;
}
.hiw-header-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-top: 18px;
}
.hiw-hbadge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 5px 14px;
  background: rgba(255,255,255,0.14);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.03em;
}

/* ---- TABLE OF CONTENTS ---- */
.hiw-toc {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 26px 30px;
  margin-bottom: 36px;
  box-shadow: 0 2px 12px rgba(0,40,104,0.06);
}
.hiw-toc-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette1, #002868);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.hiw-toc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 8px;
  list-style: none;
  padding: 0;
  margin: 0;
}
.hiw-toc-grid a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 14px;
  background: var(--global-palette6, #F7F9FC);
  border-left: 3.5px solid var(--global-palette8, #BF0A30);
  border-radius: 0 7px 7px 0;
  color: var(--global-palette1, #002868);
  text-decoration: none;
  font-size: 0.855rem;
  font-weight: 600;
  transition: all 0.22s;
}
.hiw-toc-grid a:hover {
  background: var(--global-palette1, #002868);
  color: #fff;
  transform: translateX(4px);
  box-shadow: 0 4px 14px rgba(0,40,104,0.18);
}
.hiw-toc-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px; height: 22px;
  background: var(--global-palette1, #002868);
  color: #fff;
  border-radius: 50%;
  font-size: 0.68rem;
  font-weight: 800;
  flex-shrink: 0;
  transition: background 0.22s;
}
.hiw-toc-grid a:hover .hiw-toc-num {
  background: var(--global-palette8, #BF0A30);
}

/* ---- SECTION CONTAINERS ---- */
.hiw-section {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 16px;
  padding: 36px 36px 32px;
  margin-bottom: 28px;
  box-shadow: 0 2px 12px rgba(0,40,104,0.05);
  scroll-margin-top: 24px;
}
.hiw-section-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.15rem, 2.5vw, 1.45rem);
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin: 0 0 6px;
  padding-bottom: 14px;
  border-bottom: 3px solid var(--global-palette8, #BF0A30);
  display: flex;
  align-items: center;
  gap: 10px;
}
.hiw-section-sub {
  font-size: 0.96rem;
  color: var(--global-palette4, #5F6368);
  margin-bottom: 26px;
  margin-top: 10px;
  line-height: 1.7;
}
.hiw-section p {
  font-size: 0.96rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.75;
  margin-bottom: 16px;
}
.hiw-section p:last-child { margin-bottom: 0; }

/* ---- STEP CARDS ---- */
.hiw-step-card {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-left: 5px solid var(--global-palette1, #002868);
  border-radius: 12px;
  padding: 22px 24px;
  margin-bottom: 18px;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  transition: all 0.22s;
}
.hiw-step-card:hover {
  box-shadow: 0 6px 22px rgba(0,40,104,0.10);
  transform: translateY(-2px);
}
.hiw-step-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--global-palette1, #002868), #00183F);
  color: #fff;
  border-radius: 50%;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,40,104,0.25);
}
.hiw-step-body { flex: 1; min-width: 0; }
.hiw-step-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin: 0 0 8px;
}
.hiw-step-desc {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.7;
  margin: 0 0 12px;
}
.hiw-step-desc:last-child { margin-bottom: 0; }

/* What to enter boxes */
.hiw-step-detail {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-left: 3.5px solid var(--global-palette9, #00875A);
  border-radius: 0 8px 8px 0;
  padding: 12px 16px;
  margin-top: 10px;
}
.hiw-step-detail-title {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette9, #00875A);
  margin-bottom: 8px;
  display: block;
}
.hiw-step-detail ul {
  list-style: none;
  padding: 0; margin: 0;
}
.hiw-step-detail li {
  font-size: 0.85rem;
  color: var(--global-palette4, #5F6368);
  padding: 4px 0;
  border-bottom: 1px dashed var(--global-palette5, #E0E4E8);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.hiw-step-detail li:last-child { border-bottom: none; }
.hiw-step-detail li::before {
  content: '→';
  color: var(--global-palette9, #00875A);
  font-weight: 700;
  flex-shrink: 0;
  line-height: 1.5;
}

/* ---- FORMULA BOXES ---- */
.hiw-formula-box {
  background: var(--global-palette6, #F7F9FC);
  border: 2px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 20px 22px;
  margin: 18px 0;
}
.hiw-formula-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette1, #002868);
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--global-palette8, #BF0A30);
  display: flex;
  align-items: center;
  gap: 7px;
}
.hiw-formula {
  background: var(--global-palette7, #FFFFFF);
  border-left: 4px solid #0284c7;
  border-radius: 0 8px 8px 0;
  padding: 12px 16px;
  font-family: 'Courier New', monospace;
  font-size: 0.875rem;
  color: var(--global-palette1, #002868);
  line-height: 1.9;
  white-space: pre-line;
  margin: 0;
}
.hiw-formula strong {
  color: var(--global-palette8, #BF0A30);
  font-weight: 800;
}
.hiw-formula em {
  color: var(--global-palette9, #00875A);
  font-style: normal;
  font-weight: 700;
}

/* ---- INFO BOXES ---- */
.hiw-info-box, .hiw-success-box, .hiw-warning-box, .hiw-tip-box {
  padding: 16px 20px;
  border-radius: 10px;
  margin: 18px 0;
  font-size: 0.9rem;
  line-height: 1.7;
}
.hiw-info-box {
  background: linear-gradient(135deg, #dbeafe 0%, #e0f2fe 100%);
  border-left: 5px solid #0284c7;
}
.hiw-info-box strong { color: #0369a1; display: block; margin-bottom: 6px; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
.hiw-success-box {
  background: linear-gradient(135deg, #dcfce7 0%, #d1fae5 100%);
  border-left: 5px solid var(--global-palette9, #00875A);
}
.hiw-success-box strong { color: #15803d; display: block; margin-bottom: 6px; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
.hiw-warning-box {
  background: linear-gradient(135deg, #fef3c7 0%, #fef9c3 100%);
  border-left: 5px solid #f59e0b;
}
.hiw-warning-box strong { color: #92400e; display: block; margin-bottom: 6px; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
.hiw-tip-box {
  background: linear-gradient(135deg, #f3e8ff 0%, #ede9fe 100%);
  border-left: 5px solid #7c3aed;
}
.hiw-tip-box strong { color: #5b21b6; display: block; margin-bottom: 6px; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }

.hiw-info-box p, .hiw-success-box p, .hiw-warning-box p, .hiw-tip-box p { margin: 0 0 6px; color: var(--global-palette3, #1D1D1F); }
.hiw-info-box p:last-child, .hiw-success-box p:last-child, .hiw-warning-box p:last-child, .hiw-tip-box p:last-child { margin-bottom: 0; }
.hiw-info-box ul, .hiw-success-box ul, .hiw-warning-box ul, .hiw-tip-box ul { margin: 8px 0 0 18px; }
.hiw-info-box li, .hiw-success-box li, .hiw-warning-box li, .hiw-tip-box li { margin-bottom: 6px; font-size: 0.88rem; color: var(--global-palette3, #1D1D1F); }

/* ---- FORMULA GRID ---- */
.hiw-formula-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 18px;
  margin: 20px 0;
}

/* ---- EXAMPLE CASE BOX ---- */
.hiw-example-box {
  background: linear-gradient(135deg, #fef3c7 0%, #fffbeb 100%);
  border: 2.5px solid #f59e0b;
  border-radius: 16px;
  padding: 28px;
  margin: 24px 0;
  box-shadow: 0 6px 22px rgba(245,158,11,0.14);
}
.hiw-example-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: #78350f;
  margin-bottom: 20px;
  text-align: center;
  padding: 14px 18px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 8px rgba(245,158,11,0.12);
}
.hiw-example-cols {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 14px;
  margin-top: 16px;
}
.hiw-ex-inputs, .hiw-ex-calc, .hiw-ex-output {
  background: #fff;
  padding: 16px 18px;
  border-radius: 10px;
  font-size: 0.875rem;
}
.hiw-ex-inputs   { border-left: 5px solid #0284c7; }
.hiw-ex-calc     { border-left: 5px solid #7c3aed; }
.hiw-ex-output   { border-left: 5px solid var(--global-palette9, #00875A); background: #f0fdf4; }
.hiw-ex-lbl {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 1.5px solid var(--global-palette5, #E0E4E8);
  display: block;
}
.hiw-ex-inputs .hiw-ex-lbl   { color: #0369a1; }
.hiw-ex-calc .hiw-ex-lbl     { color: #5b21b6; }
.hiw-ex-output .hiw-ex-lbl   { color: #15803d; }
.hiw-ex-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 5px 0;
  border-bottom: 1px dashed var(--global-palette5, #E0E4E8);
  font-size: 0.84rem;
  gap: 8px;
}
.hiw-ex-row:last-child { border-bottom: none; }
.hiw-ex-row span:first-child { color: var(--global-palette4, #5F6368); flex: 1; }
.hiw-ex-row span:last-child  { font-weight: 700; color: var(--global-palette1, #002868); font-family: 'Courier New', monospace; flex-shrink: 0; }
.hiw-ex-output .hiw-ex-row span:last-child { color: #15803d; }
.hiw-ex-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 2px solid var(--global-palette5, #E0E4E8);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
}
.hiw-ex-output .hiw-ex-total { color: #15803d; }

/* ---- RESULTS EXPLAINED ---- */
.hiw-result-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin: 18px 0;
}
.hiw-result-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 16px 18px;
  transition: box-shadow 0.2s, transform 0.15s;
}
.hiw-result-card:hover {
  box-shadow: 0 4px 16px rgba(0,40,104,0.09);
  transform: translateY(-2px);
}
.hiw-result-card-icon { font-size: 1.6rem; margin-bottom: 8px; display: block; }
.hiw-result-card-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.hiw-result-card-desc {
  font-size: 0.82rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
}
.hiw-result-card-formula {
  font-family: 'Courier New', monospace;
  font-size: 0.75rem;
  background: var(--global-palette6, #F7F9FC);
  border-left: 3px solid var(--global-palette1, #002868);
  padding: 6px 10px;
  border-radius: 0 5px 5px 0;
  margin-top: 8px;
  color: var(--global-palette1, #002868);
  font-weight: 700;
}

/* ---- COMPARISON TABLE ---- */
.hiw-table-wrap { overflow-x: auto; margin: 18px 0; }
.hiw-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.85rem;
  box-shadow: 0 2px 10px rgba(0,40,104,0.07);
  border-radius: 10px;
  overflow: hidden;
}
.hiw-table thead tr { background: linear-gradient(135deg, var(--global-palette1, #002868), #00183F); }
.hiw-table th {
  padding: 13px 14px;
  color: #fff;
  text-align: left;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}
.hiw-table th:not(:first-child) { text-align: center; }
.hiw-table td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--global-palette5, #E0E4E8);
  color: var(--global-palette4, #5F6368);
  vertical-align: middle;
}
.hiw-table td:not(:first-child) { text-align: center; }
.hiw-table tbody tr:nth-child(even) td { background: var(--global-palette6, #F7F9FC); }
.hiw-table tbody tr:last-child td { border-bottom: none; }
.hiw-table tbody tr:hover td { background: #eff6ff; }
.hiw-table td:first-child { font-weight: 600; color: var(--global-palette3, #1D1D1F); }
.hiw-check { color: var(--global-palette9, #00875A); font-size: 1rem; font-weight: 700; }
.hiw-cross { color: var(--global-palette8, #BF0A30); font-size: 1rem; }
.hiw-partial { color: #f59e0b; font-size: 0.85rem; font-weight: 600; }

/* ---- BENCHMARKS GRID ---- */
.hiw-bench-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 14px;
  margin: 18px 0;
}
.hiw-bench-card {
  background: var(--global-palette7, #FFFFFF);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 16px 18px;
  transition: box-shadow 0.2s;
}
.hiw-bench-card:hover { box-shadow: 0 4px 16px rgba(0,40,104,0.09); }
.hiw-bench-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1.5px solid var(--global-palette5, #E0E4E8);
}
.hiw-bench-icon { font-size: 1.5rem; flex-shrink: 0; }
.hiw-bench-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  line-height: 1.2;
}
.hiw-bench-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.81rem;
  padding: 5px 0;
  border-bottom: 1px dashed var(--global-palette5, #E0E4E8);
}
.hiw-bench-row:last-child { border-bottom: none; }
.hiw-bench-row span:first-child { color: var(--global-palette4, #5F6368); }
.hiw-bench-row span:last-child {
  font-weight: 700;
  color: var(--global-palette1, #002868);
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.78rem;
}

/* ---- FLOW DIAGRAM ---- */
.hiw-flow-wrap {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 26px;
  margin: 24px 0;
}
.hiw-flow-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette4, #5F6368);
  text-align: center;
  margin-bottom: 20px;
}
.hiw-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  flex-wrap: wrap;
}
.hiw-flow-box {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 6px;
  background: linear-gradient(135deg, var(--global-palette1, #002868), #00183F);
  color: #fff;
  padding: 13px 16px;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.73rem;
  font-weight: 700;
  min-width: 100px;
  max-width: 130px;
  box-shadow: 0 4px 14px rgba(0,40,104,0.2);
  letter-spacing: 0.02em;
  line-height: 1.3;
}
.hiw-flow-box-icon { font-size: 1.3rem; }
.hiw-flow-arrow {
  color: var(--global-palette8, #BF0A30);
  font-size: 1.3rem;
  font-weight: 700;
  flex-shrink: 0;
}
.hiw-flow-box.hiw-flow-green {
  background: linear-gradient(135deg, var(--global-palette9, #00875A), #006644);
}
.hiw-flow-box.hiw-flow-red {
  background: linear-gradient(135deg, var(--global-palette8, #BF0A30), #9B0826);
}

/* ---- FAQ ACCORDION ---- */
.hiw-faq-list { margin: 0; padding: 0; }
.hiw-faq-item {
  border-bottom: 1.5px solid var(--global-palette5, #E0E4E8);
}
.hiw-faq-item:last-child { border-bottom: none; }
.hiw-faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 16px 0;
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--global-palette1, #002868);
  user-select: none;
  transition: color 0.2s;
}
.hiw-faq-q:hover { color: var(--global-palette8, #BF0A30); }
.hiw-faq-q-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 26px; height: 26px;
  background: var(--global-palette6, #F7F9FC);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 50%;
  font-size: 0.85rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  flex-shrink: 0;
  transition: all 0.2s;
}
.hiw-faq-item.open .hiw-faq-q-icon {
  background: var(--global-palette1, #002868);
  color: #fff;
  border-color: var(--global-palette1, #002868);
  transform: rotate(45deg);
}
.hiw-faq-a {
  display: none;
  padding: 0 0 18px 0;
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.75;
}
.hiw-faq-a.open { display: block; animation: hiwFadeIn 0.25s ease; }
.hiw-faq-a p { margin: 0 0 10px; }
.hiw-faq-a p:last-child { margin-bottom: 0; }
.hiw-faq-a ul { margin: 8px 0 10px 20px; }
.hiw-faq-a li { margin-bottom: 7px; }
.hiw-faq-highlight {
  background: #eff6ff;
  border-left: 4px solid #0284c7;
  padding: 10px 14px;
  border-radius: 0 7px 7px 0;
  margin: 10px 0;
  font-size: 0.875rem;
  color: var(--global-palette3, #1D1D1F);
}
@keyframes hiwFadeIn {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ---- TIPS GRID ---- */
.hiw-tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 14px;
  margin: 18px 0;
}
.hiw-tip-card {
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 18px;
  transition: all 0.22s;
}
.hiw-tip-card:hover {
  box-shadow: 0 4px 16px rgba(0,40,104,0.09);
  transform: translateY(-3px);
  border-color: var(--global-palette1, #002868);
}
.hiw-tip-card-icon { font-size: 1.5rem; margin-bottom: 8px; display: block; }
.hiw-tip-card strong {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  display: block;
  margin-bottom: 6px;
}
.hiw-tip-card p {
  font-size: 0.83rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
  margin: 0;
}

/* ---- DISCLAIMER ---- */
.hiw-disclaimer {
  background: linear-gradient(135deg, #fef3c7 0%, #fffbeb 100%);
  border: 2px solid #f59e0b;
  border-radius: 14px;
  padding: 22px 26px;
  margin: 28px 0 0;
}
.hiw-disclaimer-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
  padding-bottom: 12px;
  border-bottom: 1.5px solid rgba(245,158,11,0.3);
}
.hiw-disclaimer-icon { font-size: 1.5rem; flex-shrink: 0; }
.hiw-disclaimer-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  color: #78350f;
  margin: 0;
}
.hiw-disclaimer p {
  font-size: 0.86rem;
  color: #78350f;
  line-height: 1.7;
  margin: 0 0 8px;
}
.hiw-disclaimer p:last-child { margin-bottom: 0; }

/* ---- CTA ---- */
.hiw-cta {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-radius: 16px;
  padding: 36px 28px;
  text-align: center;
  margin-top: 36px;
  box-shadow: 0 8px 32px rgba(0,40,104,0.22);
}
.hiw-cta h3 {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.1rem, 2.5vw, 1.45rem) !important;
  font-weight: 800 !important;
  color: #fff !important;
  margin: 0 0 10px !important;
}
.hiw-cta p {
  font-size: 0.96rem;
  color: rgba(255,255,255,0.82);
  max-width: 580px;
  margin: 0 auto 22px;
  line-height: 1.7;
}
.hiw-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 14px 32px;
  background: var(--global-palette9, #00875A);
  color: #fff;
  border: none;
  border-radius: 10px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  letter-spacing: 0.02em;
  text-decoration: none;
}
.hiw-cta-btn:hover {
  background: #006E49;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,135,90,0.4);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 860px) {
  .hiw-section { padding: 26px 22px; }
  .hiw-formula-grid { grid-template-columns: 1fr; }
  .hiw-example-cols { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .hiw-page-header { padding: 36px 18px 30px; }
  .hiw-toc { padding: 20px 18px; }
  .hiw-toc-grid { grid-template-columns: 1fr; }
  .hiw-step-card { flex-direction: column; gap: 12px; }
  .hiw-result-cards { grid-template-columns: 1fr 1fr; }
  .hiw-tips-grid { grid-template-columns: 1fr 1fr; }
  .hiw-flow { gap: 4px; }
  .hiw-flow-box { min-width: 80px; font-size: 0.68rem; padding: 10px 10px; }
  .hiw-flow-arrow { font-size: 1rem; }
}
@media (max-width: 420px) {
  .hiw-result-cards { grid-template-columns: 1fr; }
  .hiw-tips-grid { grid-template-columns: 1fr; }
}
/* ============================================================
   TRANSPARENCY & INDEPENDENCE SECTION
   USFinanceCalculators.com — Kadence Integration
   Business Startup Costs Estimator
   ============================================================ */

/* ---- OUTER SECTION WRAPPER ---- */
.arc-transparency-section {
  position: relative;
  margin-top: 32px;
  border-radius: 20px;
  overflow: hidden;
  background: linear-gradient(
    135deg,
    var(--global-palette1, #002868) 0%,
    #001845 50%,
    #00183F 100%
  );
  box-shadow:
    0 8px 32px rgba(0, 40, 104, 0.22),
    0 2px 8px rgba(0, 0, 0, 0.12),
    inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

/* ---- DECORATIVE BACKGROUND PATTERN ---- */
.arc-transparency-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 8% 20%, rgba(255,255,255,0.04) 0%, transparent 50%),
    radial-gradient(circle at 92% 80%, rgba(0,135,90,0.12) 0%, transparent 50%),
    radial-gradient(circle at 50% 50%, rgba(255,255,255,0.02) 0%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}

/* ---- DECORATIVE GRID LINES (subtle) ---- */
.arc-transparency-section::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
  z-index: 0;
}

/* ---- INNER CONTAINER ---- */
.arc-transparency-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-start;
  gap: 28px;
  padding: 36px 40px;
}

/* ---- LOGO BADGE WRAPPER ---- */
.arc-trans-logo-wrap {
  flex-shrink: 0;
  display: flex;
  align-items: flex-start;
  padding-top: 4px;
}

/* ---- LOGO CIRCLE ---- */
.arc-trans-logo {
  width: 68px;
  height: 68px;
  border-radius: 16px;
  background: linear-gradient(
    135deg,
    rgba(255, 255, 255, 0.18) 0%,
    rgba(255, 255, 255, 0.08) 100%
  );
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow:
    0 4px 16px rgba(0, 0, 0, 0.2),
    inset 0 1px 0 rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.arc-trans-logo:hover {
  transform: translateY(-2px) scale(1.03);
  box-shadow:
    0 8px 24px rgba(0, 0, 0, 0.28),
    inset 0 1px 0 rgba(255, 255, 255, 0.25);
}

/* ---- LOGO INITIALS TEXT ---- */
.arc-trans-initials {
  font-family: 'Montserrat', 'Inter', -apple-system, sans-serif;
  font-size: 0.92rem;
  font-weight: 900;
  color: #ffffff;
  text-align: center;
  line-height: 1.15;
  letter-spacing: 0.03em;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.3);
}

/* ---- CONTENT AREA ---- */
.arc-trans-content {
  flex: 1;
  min-width: 0;
}

/* ---- TITLE ---- */
.arc-trans-title {
  font-family: 'Montserrat', 'Inter', -apple-system, sans-serif !important;
  font-size: clamp(1.05rem, 2.2vw, 1.25rem) !important;
  font-weight: 800 !important;
  color: #ffffff !important;
  margin: 0 0 14px !important;
  line-height: 1.25 !important;
  letter-spacing: -0.01em;
}

/* ---- BODY TEXT ---- */
.arc-trans-text {
  font-size: 0.895rem;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.72;
  margin: 0 0 20px;
  max-width: 720px;
}

.arc-trans-text strong {
  color: #ffffff;
  font-weight: 700;
}

.arc-trans-text a {
  color: #ffffff;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
  text-decoration-color: rgba(255, 255, 255, 0.45);
  transition: text-decoration-color 0.2s;
}

.arc-trans-text a:hover {
  text-decoration-color: rgba(255, 255, 255, 0.9);
}

/* ---- BADGES WRAPPER ---- */
.arc-trans-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 0;
}

/* ---- INDIVIDUAL BADGE ---- */
.arc-trans-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 6px 14px;
  background: rgba(255, 255, 255, 0.1);
  border: 1.5px solid rgba(255, 255, 255, 0.2);
  border-radius: 20px;
  font-family: 'Inter', -apple-system, sans-serif;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.92);
  letter-spacing: 0.01em;
  line-height: 1;
  transition: background 0.2s, border-color 0.2s, transform 0.15s;
  cursor: default;
  white-space: nowrap;
}

.arc-trans-badge:hover {
  background: rgba(255, 255, 255, 0.16);
  border-color: rgba(255, 255, 255, 0.35);
  transform: translateY(-1px);
}

/* ---- CHECKMARK ICON INSIDE BADGE ---- */
.arc-trans-chk {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  background: var(--global-palette9, #00875A);
  border-radius: 50%;
  font-size: 0.6rem;
  font-weight: 900;
  color: #ffffff;
  flex-shrink: 0;
  line-height: 1;
  box-shadow: 0 1px 4px rgba(0, 135, 90, 0.4);
}

/* ---- DIVIDER LINE (between badges and data source row) ---- */
.arc-trans-divider {
  height: 1.5px;
  background: rgba(255, 255, 255, 0.12);
  margin: 18px 0 16px;
  border: none;
}

/* ---- DATA SOURCE LABEL ---- */
.arc-trans-sources-lbl {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255, 255, 255, 0.6);
  flex-shrink: 0;
  line-height: 1;
}

/* ---- SOURCE LINK PILLS (inline gov link buttons) ---- */
.arc-trans-source-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 5px 12px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 6px;
  color: #ffffff !important;
  font-size: 0.72rem;
  font-weight: 700;
  text-decoration: none !important;
  transition: background 0.2s, border-color 0.2s, transform 0.15s;
  white-space: nowrap;
  line-height: 1;
}

.arc-trans-source-link:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-1px);
  text-decoration: none !important;
}

.arc-trans-source-link:active {
  transform: translateY(0);
}

/* ---- ACCENT BORDER (left edge) ---- */
.arc-transparency-section .arc-transparency-inner::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(
    180deg,
    var(--global-palette9, #00875A) 0%,
    rgba(0, 135, 90, 0.3) 100%
  );
  border-radius: 0 0 0 20px;
  pointer-events: none;
}

/* ---- VERIFIED STAMP (optional decorative element) ---- */
.arc-trans-verified-stamp {
  position: absolute;
  top: 20px;
  right: 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  opacity: 0.18;
  pointer-events: none;
  user-select: none;
  z-index: 1;
}

.arc-trans-verified-icon {
  font-size: 2.2rem;
  line-height: 1;
}

.arc-trans-verified-text {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.5rem;
  font-weight: 900;
  color: #ffffff;
  text-transform: uppercase;
  letter-spacing: 0.12em;
}

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */

/* ---- TABLET: max 900px ---- */
@media (max-width: 900px) {
  .arc-transparency-inner {
    padding: 28px 28px;
    gap: 22px;
  }

  .arc-trans-logo {
    width: 58px;
    height: 58px;
    border-radius: 13px;
  }

  .arc-trans-initials {
    font-size: 0.82rem;
  }

  .arc-trans-title {
    font-size: 1.05rem !important;
  }

  .arc-trans-text {
    font-size: 0.875rem;
  }
}

/* ---- MOBILE: max 640px ---- */
@media (max-width: 640px) {
  .arc-transparency-inner {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 24px 20px;
    gap: 18px;
  }

  .arc-trans-logo-wrap {
    padding-top: 0;
  }

  .arc-trans-logo {
    width: 64px;
    height: 64px;
  }

  .arc-trans-title {
    font-size: 1rem !important;
    margin-bottom: 10px !important;
  }

  .arc-trans-text {
    font-size: 0.855rem;
    text-align: left;
  }

  .arc-trans-badges {
    justify-content: center;
  }

  .arc-trans-badge {
    font-size: 0.75rem;
    padding: 5px 11px;
  }

  .arc-transparency-inner::before {
    display: none;
  }
}

/* ---- SMALL MOBILE: max 420px ---- */
@media (max-width: 420px) {
  .arc-transparency-inner {
    padding: 20px 16px;
  }

  .arc-trans-badge {
    font-size: 0.72rem;
    padding: 5px 10px;
    gap: 5px;
  }

  .arc-trans-chk {
    width: 14px;
    height: 14px;
    font-size: 0.55rem;
  }

  .arc-trans-source-link {
    font-size: 0.68rem;
    padding: 4px 10px;
  }
}

/* ============================================================
   DARK MODE SUPPORT
   ============================================================ */
@media (prefers-color-scheme: dark) {
  .arc-transparency-section {
    background: linear-gradient(
      135deg,
      #001540 0%,
      #000f2e 50%,
      #000c26 100%
    );
    box-shadow:
      0 8px 32px rgba(0, 0, 0, 0.4),
      0 2px 8px rgba(0, 0, 0, 0.3),
      inset 0 1px 0 rgba(255, 255, 255, 0.06);
  }
}

/* ============================================================
   PRINT STYLES
   ============================================================ */
@media print {
  .arc-transparency-section {
    background: #f0f4ff !important;
    border: 2px solid #002868 !important;
    box-shadow: none !important;
    border-radius: 10px !important;
    break-inside: avoid;
  }

  .arc-transparency-section::before,
  .arc-transparency-section::after {
    display: none !important;
  }

  .arc-trans-title,
  .arc-trans-text,
  .arc-trans-sources-lbl {
    color: #002868 !important;
  }

  .arc-trans-text {
    color: #1D1D1F !important;
  }

  .arc-trans-badge {
    background: #e8edf8 !important;
    border-color: #002868 !important;
    color: #002868 !important;
  }

  .arc-trans-source-link {
    background: #e8edf8 !important;
    border-color: #002868 !important;
    color: #002868 !important;
  }

  .arc-trans-initials {
    color: #002868 !important;
  }

  .arc-trans-logo {
    background: #e8edf8 !important;
    border-color: #002868 !important;
  }
}

<!-- ============================================================
     RELATED CALCULATORS SECTION
     Business Startup Costs Estimator
     USFinanceCalculators.com
     ============================================================ -->


/* ============================================================
   RELATED CALCULATORS — CSS
   USFinanceCalculators.com — Kadence Integration
   ============================================================ */

/* ---- SECTION WRAPPER ---- */
.rc-section {
  margin-top: 40px;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

/* ---- SECTION HEADER ---- */
.rc-header {
  text-align: center;
  margin-bottom: 32px;
}

.rc-header-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 5px 14px;
  background: var(--global-palette6, #F7F9FC);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 14px;
}

.rc-header-title {
  font-family: 'Montserrat', 'Inter', sans-serif !important;
  font-size: clamp(1.2rem, 2.8vw, 1.55rem) !important;
  font-weight: 800 !important;
  color: var(--global-palette3, #1D1D1F) !important;
  margin: 0 0 10px !important;
  line-height: 1.25 !important;
}

.rc-header-sub {
  font-size: 0.9rem;
  color: var(--global-palette4, #5F6368);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ---- TIER LABEL ---- */
.rc-tier-label {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
  margin-top: 28px;
}

.rc-tier-label:first-of-type {
  margin-top: 0;
}

.rc-tier-label-text {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--global-palette4, #5F6368);
  white-space: nowrap;
}

.rc-tier-line {
  flex: 1;
  height: 1.5px;
  background: var(--global-palette5, #E0E4E8);
}

/* ---- PRIMARY GRID (Top 6 — most related) ---- */
.rc-primary-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}

/* ---- SECONDARY GRID (Next 10 — broader context) ---- */
.rc-secondary-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

/* ---- PRIMARY CARD ---- */
.rc-card-primary {
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
}

.rc-card-primary::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    var(--global-palette1, #002868),
    var(--global-palette9, #00875A)
  );
  opacity: 0;
  transition: opacity 0.2s;
}

.rc-card-primary:hover {
  transform: translateY(-4px);
  box-shadow:
    0 10px 28px rgba(0, 40, 104, 0.12),
    0 3px 8px rgba(0, 0, 0, 0.06);
  border-color: var(--global-palette1, #002868);
  text-decoration: none;
  color: inherit;
}

.rc-card-primary:hover::before {
  opacity: 1;
}

/* FEATURED CARD VARIANT */
.rc-card-primary.rc-featured {
  background: linear-gradient(135deg, var(--global-palette1, #002868) 0%, #00183F 100%);
  border-color: transparent;
  color: #fff;
}

.rc-card-primary.rc-featured::before {
  background: linear-gradient(90deg, var(--global-palette9, #00875A), #00d4a8);
  opacity: 1;
}

.rc-card-primary.rc-featured:hover {
  border-color: transparent;
  box-shadow:
    0 10px 28px rgba(0, 40, 104, 0.3),
    0 3px 8px rgba(0, 0, 0, 0.15);
}

/* ---- CARD ICON ---- */
.rc-card-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 12px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  flex-shrink: 0;
  transition: transform 0.2s;
}

.rc-card-primary:hover .rc-card-icon {
  transform: scale(1.1) rotate(-3deg);
}

.rc-card-primary.rc-featured .rc-card-icon {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.2);
}

/* ---- CARD BADGE ---- */
.rc-card-badge {
  display: inline-flex;
  align-items: center;
  padding: 3px 9px;
  border-radius: 10px;
  font-size: 0.65rem;
  font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
  width: fit-content;
}

.rc-badge-next     { background: #dcfce7; color: #15803d; border: 1px solid #bbf7d0; }
.rc-badge-funding  { background: #dbeafe; color: #1d4ed8; border: 1px solid #bfdbfe; }
.rc-badge-ops      { background: #fef3c7; color: #92400e; border: 1px solid #fde68a; }
.rc-badge-tax      { background: #f3e8ff; color: #7c3aed; border: 1px solid #e9d5ff; }
.rc-badge-insure   { background: #ffedd5; color: #c2410c; border: 1px solid #fed7aa; }
.rc-badge-white    { background: rgba(255,255,255,0.15); color: #fff; border: 1px solid rgba(255,255,255,0.25); }

/* ---- CARD TITLE ---- */
.rc-card-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.875rem;
  font-weight: 800;
  color: var(--global-palette3, #1D1D1F);
  margin: 0 0 6px;
  line-height: 1.3;
}

.rc-card-primary.rc-featured .rc-card-title {
  color: #ffffff;
}

/* ---- CARD DESC ---- */
.rc-card-desc {
  font-size: 0.795rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.6;
  margin: 0 0 14px;
  flex: 1;
}

.rc-card-primary.rc-featured .rc-card-desc {
  color: rgba(255, 255, 255, 0.78);
}

/* ---- CARD CTA ---- */
.rc-card-cta {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.78rem;
  font-weight: 700;
  font-family: 'Montserrat', 'Inter', sans-serif;
  color: var(--global-palette1, #002868);
  text-decoration: none;
  transition: gap 0.2s, color 0.2s;
  margin-top: auto;
}

.rc-card-cta:hover {
  gap: 8px;
  color: var(--global-palette9, #00875A);
  text-decoration: none;
}

.rc-card-primary.rc-featured .rc-card-cta {
  color: rgba(255, 255, 255, 0.85);
}

.rc-card-primary.rc-featured .rc-card-cta:hover {
  color: #ffffff;
}

.rc-cta-arrow {
  transition: transform 0.2s;
}

.rc-card-cta:hover .rc-cta-arrow {
  transform: translateX(3px);
}

/* ---- SECONDARY CARD ---- */
.rc-card-secondary {
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 12px;
  padding: 16px 15px;
  display: flex;
  flex-direction: column;
  gap: 0;
  text-decoration: none;
  color: inherit;
  transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
  position: relative;
  overflow: hidden;
}

.rc-card-secondary:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 18px rgba(0, 40, 104, 0.09);
  border-color: var(--global-palette1, #002868);
  text-decoration: none;
  color: inherit;
}

.rc-card-secondary .rc-card-icon {
  width: 34px;
  height: 34px;
  font-size: 1.05rem;
  border-radius: 8px;
  margin-bottom: 10px;
}

.rc-card-secondary .rc-card-badge {
  margin-bottom: 6px;
}

.rc-card-secondary .rc-card-title {
  font-size: 0.8rem;
  margin-bottom: 5px;
}

.rc-card-secondary .rc-card-desc {
  font-size: 0.75rem;
  margin-bottom: 11px;
  line-height: 1.55;
  -webkit-line-clamp: 2;
  display: -webkit-box;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.rc-card-secondary .rc-card-cta {
  font-size: 0.72rem;
}

/* ---- EXPLORE ALL BANNER ---- */
.rc-explore-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 24px;
  padding: 18px 24px;
  background: var(--global-palette6, #F7F9FC);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  flex-wrap: wrap;
}

.rc-explore-text {
  display: flex;
  align-items: center;
  gap: 12px;
}

.rc-explore-icon {
  font-size: 1.6rem;
  flex-shrink: 0;
}

.rc-explore-copy-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.875rem;
  font-weight: 800;
  color: var(--global-palette3, #1D1D1F);
  margin-bottom: 2px;
}

.rc-explore-copy-sub {
  font-size: 0.78rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.4;
}

.rc-explore-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 10px 20px;
  background: var(--global-palette1, #002868);
  color: #fff;
  border: none;
  border-radius: 9px;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem;
  font-weight: 700;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
  flex-shrink: 0;
}

.rc-explore-btn:hover {
  background: var(--global-palette9, #00875A);
  transform: translateY(-1px);
  text-decoration: none;
  color: #fff;
}

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */

@media (max-width: 1100px) {
  .rc-primary-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .rc-secondary-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 860px) {
  .rc-primary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .rc-secondary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .rc-primary-grid {
    grid-template-columns: 1fr;
  }
  .rc-secondary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .rc-card-secondary .rc-card-desc {
    display: none;
  }
  .rc-explore-banner {
    flex-direction: column;
    text-align: center;
    align-items: center;
    padding: 18px 16px;
  }
  .rc-explore-text {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 380px) {
  .rc-secondary-grid {
    grid-template-columns: 1fr;
  }
}