:root{--global-palette1:#002868;--global-palette3:#1D1D1F;--global-palette4:#5F6368;--global-palette5:#E0E4E8;--global-palette6:#F7F9FC;--global-palette7:#FFFFFF;--global-palette8:#BF0A30;--global-palette9:#00875A;--shadow:0 8px 24px rgba(0,40,104,.08);--radius:14px}
    *{box-sizing:border-box;margin:0;padding:0} body{font-family:Inter,sans-serif;background:var(--global-palette6);color:var(--global-palette3);line-height:1.6} h1,h2,h3,h4{font-family:Montserrat,sans-serif;color:var(--global-palette3)}
    .hero{background:linear-gradient(135deg,var(--global-palette1),#214d88);color:#fff;padding:34px 16px 28px}.hero-inner{max-width:1540px;margin:0 auto}.hero h1{font-size:clamp(1.9rem,4vw,2.9rem);line-height:1.08;margin-bottom:10px}.hero p{max-width:1200px;font-size:.98rem;opacity:.94}.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.pill{padding:6px 10px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);font-size:.72rem;font-weight:700}
    .calc-wrapper{max-width:1540px;margin:0 auto;padding:18px 14px 34px}.ad-slot{background:#edf4ff;border:2px dashed var(--global-palette5);border-radius:10px;padding:15px;text-align:center;color:var(--global-palette4);font-size:.8rem;margin-bottom:18px}.ad-slot strong{color:var(--global-palette1)}
    .calc-grid{display:grid;grid-template-columns:1.16fr .84fr;gap:18px}.card{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}.card+.card{margin-top:12px}.card-title{display:flex;align-items:center;gap:9px;font-size:1rem;font-weight:800;color:var(--global-palette1);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}.num{width:24px;height:24px;border-radius:7px;background:var(--global-palette1);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:800}
    .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.form-row label{display:block;font-size:.78rem;font-weight:700;margin-bottom:5px}.hint{display:block;font-size:.67rem;color:var(--global-palette4);margin-top:2px}.input-wrap{display:flex;align-items:center;border:1.5px solid var(--global-palette5);border-radius:9px;background:#fff;overflow:hidden}.prefix,.suffix{padding:0 10px;color:var(--global-palette4);font-weight:700;font-size:.82rem;background:#f9fbfd;border-right:1px solid var(--global-palette5)}.suffix{border-right:none;border-left:1px solid var(--global-palette5)} input[type=number],select{width:100%;padding:10px 11px;border:none;background:#fff;font:inherit;font-size:.88rem;color:var(--global-palette3);outline:none}
    .actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.btn{display:inline-flex;align-items:center;gap:6px;padding:10px 16px;border-radius:8px;border:2px solid transparent;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:700;cursor:pointer;transition:all .2s}.btn-primary{background:var(--global-palette9);color:#fff;border-color:var(--global-palette9)}.btn-primary:hover{background:#006a46}.btn-secondary{background:var(--global-palette1);color:#fff;border-color:var(--global-palette1)}.btn-secondary:hover{background:#001d4e}.btn-outline{background:#fff;color:var(--global-palette8);border-color:var(--global-palette8)}.btn-outline:hover{background:var(--global-palette8);color:#fff}.btn-wa{background:#25D366;color:#fff;border-color:#25D366}.btn-wa:hover{background:#18b85a}.hidden{display:none!important}
    .note{font-size:.72rem;color:var(--global-palette4);margin-top:10px;background:#f3f5f8;padding:10px 12px;border-radius:8px}.placeholder{text-align:center;padding:46px 18px;color:var(--global-palette4)}.placeholder .emoji{font-size:2.6rem;margin-bottom:12px}
    .banner{border-radius:14px;padding:18px;color:#fff;margin-bottom:10px;background:linear-gradient(135deg,var(--global-palette9),#006a46)}.banner.warn{background:linear-gradient(135deg,#b88100,#805c00)}.banner.bad{background:linear-gradient(135deg,var(--global-palette8),#8f001e)}.eyebrow{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;opacity:.86}.big{font-size:1.22rem;font-weight:800;margin-top:4px}.sub{font-size:.82rem;opacity:.92;margin-top:6px}
    .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:10px}.kpi{background:#f7faff;border:1px solid var(--global-palette5);border-radius:10px;padding:10px;text-align:center}.kpi .label{font-size:.67rem;font-weight:700;text-transform:uppercase;color:var(--global-palette4);margin-bottom:4px}.kpi .val{font-size:1rem;font-weight:800;color:var(--global-palette1)}.kpi .small{font-size:.68rem;color:var(--global-palette4);margin-top:2px}
    .alert{padding:12px 13px;border-radius:0 8px 8px 0;font-size:.8rem;margin:10px 0}.good{background:#e8f5e9;border-left:4px solid var(--global-palette9);color:#1b5e20}.mid{background:#fff8e1;border-left:4px solid #b88100;color:#6d4c00}.bad{background:#ffebee;border-left:4px solid var(--global-palette8);color:#b71c1c}.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.tag{padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--global-palette5);font-size:.71rem;color:var(--global-palette4)}
    .chart-wrap{position:relative;height:330px}.table-wrap{overflow-x:auto;border:1px solid var(--global-palette5);border-radius:10px}.table-wrap table{width:100%;border-collapse:collapse;font-size:.78rem}.table-wrap th{background:var(--global-palette1);color:#fff;text-align:left;padding:9px 10px;font-size:.72rem;white-space:nowrap}.table-wrap td{padding:8px 10px;border-bottom:1px solid var(--global-palette5);white-space:nowrap}.table-wrap tbody tr:nth-child(even){background:#f8fbff}.strong{font-weight:800;color:var(--global-palette1)}
    @media(max-width:1100px){.calc-grid{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}} @media(max-width:640px){.form-grid,.kpis{grid-template-columns:1fr}.calc-wrapper{padding:14px 10px 30px}.card{padding:16px}}
    /* ═══════════════════════════════════
   HOW IT WORKS — section wrapper
═══════════════════════════════════ */
.hiw-wrap{max-width:1540px;margin:0 auto;padding:0 14px 52px}

/* ── Section header ── */
.hiw-header{text-align:center;padding:10px 16px 30px}
.hiw-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.35rem,2.8vw,1.9rem);color:var(--global-palette1);margin-bottom:8px}
.hiw-header p{color:var(--global-palette4);font-size:.9rem;max-width:740px;margin:0 auto;line-height:1.75}

/* ── Group label (reused pattern) ── */
.hiw-group{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.hiw-group-icon{width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.hiw-group-icon.navy{background:#e8edf8}
.hiw-group-icon.green{background:#e6f5ef}
.hiw-group-icon.amber{background:#fff8e1}
.hiw-group-icon.red{background:#fff0f2}
.hiw-group-title{font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--global-palette1)}
.hiw-group-line{flex:1;height:2px;background:#eef3f7}

/* ── Card base (same as calculator .card) ── */
.hiw-card{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.hiw-card-title{display:flex;align-items:center;gap:9px;font-family:Montserrat,sans-serif;font-size:.92rem;font-weight:800;color:var(--global-palette1);padding-bottom:9px;margin-bottom:12px;border-bottom:2px solid #eef3f7}
.hiw-num{width:24px;height:24px;border-radius:7px;background:var(--global-palette1);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;flex-shrink:0}
.hiw-num.green{background:var(--global-palette9)}
.hiw-num.amber{background:#b88100}
.hiw-num.red{background:var(--global-palette8)}

/* ── Body text in cards ── */
.hiw-text{font-size:.82rem;color:var(--global-palette4);line-height:1.78;margin-bottom:8px}
.hiw-text:last-child{margin-bottom:0}
.hiw-text strong{font-weight:700;color:var(--global-palette3)}
.hiw-text a{color:var(--global-palette1);text-decoration:underline}

/* ── Step timeline ── */
.hiw-steps{display:flex;flex-direction:column;gap:0}
.hiw-step{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid var(--global-palette5)}
.hiw-step:last-child{border-bottom:none;padding-bottom:0}
.hiw-step-left{display:flex;flex-direction:column;align-items:center;gap:0;flex-shrink:0;width:36px}
.hiw-step-circle{width:36px;height:36px;border-radius:50%;background:var(--global-palette1);color:#fff;display:flex;align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-size:.8rem;font-weight:800;flex-shrink:0}
.hiw-step-circle.green{background:var(--global-palette9)}
.hiw-step-circle.amber{background:#b88100}
.hiw-step-line{flex:1;width:2px;background:#e0e8f8;min-height:12px;margin:4px 0}
.hiw-step-body{padding-top:6px;flex:1}
.hiw-step-title{font-family:Montserrat,sans-serif;font-size:.82rem;font-weight:800;color:var(--global-palette1);margin-bottom:4px}
.hiw-step-text{font-size:.77rem;color:var(--global-palette4);line-height:1.72}
.hiw-step-text strong{font-weight:700;color:var(--global-palette3)}

/* ── Formula boxes ── */
.hiw-formula{background:#f0f4ff;border:1px solid #c6d4f0;border-radius:9px;padding:9px 12px;font-family:Montserrat,monospace;font-size:.74rem;color:var(--global-palette1);margin:7px 0;line-height:1.7}
.hiw-formula span.op{color:#b88100;font-weight:800}
.hiw-formula span.val{color:var(--global-palette9);font-weight:800}
.hiw-formula span.cap{color:var(--global-palette8);font-weight:800}

/* ── Alert strips (reuse calc .alert style) ── */
.hiw-alert{padding:10px 12px;border-radius:0 8px 8px 0;font-size:.78rem;line-height:1.7;margin:8px 0}
.hiw-alert.good{background:#e8f5e9;border-left:4px solid var(--global-palette9);color:#1b5e20}
.hiw-alert.mid{background:#fff8e1;border-left:4px solid #b88100;color:#6d4c00}
.hiw-alert.bad{background:#ffebee;border-left:4px solid var(--global-palette8);color:#b71c1c}
.hiw-alert.navy{background:#edf2ff;border-left:4px solid var(--global-palette1);color:#00204a}
.hiw-alert strong{font-weight:800}

/* ── KPI mini tiles ── */
.hiw-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:10px 0}
.hiw-kpi{background:#f7faff;border:1px solid var(--global-palette5);border-radius:10px;padding:10px;text-align:center}
.hiw-kpi .k-label{font-size:.62rem;font-weight:700;text-transform:uppercase;letter-spacing:.03em;color:var(--global-palette4);margin-bottom:4px}
.hiw-kpi .k-val{font-size:.92rem;font-weight:800;color:var(--global-palette1)}
.hiw-kpi .k-val.green{color:var(--global-palette9)}
.hiw-kpi .k-val.red{color:var(--global-palette8)}
.hiw-kpi .k-val.amber{color:#b88100}
.hiw-kpi .k-sub{font-size:.62rem;color:var(--global-palette4);margin-top:2px}

/* ── Banner (matches .banner in calculator) ── */
.hiw-banner{background:linear-gradient(135deg,var(--global-palette1),#214d88);border-radius:var(--radius);padding:20px 22px;margin-bottom:18px;color:#fff}
.hiw-banner h3{font-family:Montserrat,sans-serif;font-size:.92rem;font-weight:800;margin-bottom:10px}
.hiw-banner-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.hiw-banner-box{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:12px}
.hiw-banner-label{font-family:Montserrat,sans-serif;font-size:.69rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;color:#fff;margin-bottom:4px}
.hiw-banner-text{font-size:.72rem;color:rgba(255,255,255,.85);line-height:1.65}

/* ── 2-col grid ── */
.hiw-grid2{display:grid;grid-template-columns:1.1fr .9fr;gap:18px;margin-bottom:18px}
.hiw-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:18px}

/* ── Bullet list ── */
.hiw-list{list-style:none;padding:0;margin:8px 0 0}
.hiw-list li{display:flex;gap:8px;align-items:flex-start;font-size:.78rem;color:var(--global-palette4);padding:5px 0;border-bottom:1px solid var(--global-palette5);line-height:1.65}
.hiw-list li:last-child{border-bottom:none}
.hiw-li-icon{flex-shrink:0;font-size:.82rem;margin-top:1px}
.hiw-li-icon.green{color:var(--global-palette9)}
.hiw-li-icon.red{color:var(--global-palette8)}
.hiw-li-icon.amber{color:#b88100}
.hiw-li-icon.navy{color:var(--global-palette1)}

/* ── Comparison table ── */
.hiw-table-wrap{overflow-x:auto;border:1px solid var(--global-palette5);border-radius:10px;margin:10px 0}
.hiw-table-wrap table{width:100%;border-collapse:collapse;font-size:.77rem}
.hiw-table-wrap th{background:var(--global-palette1);color:#fff;text-align:left;padding:9px 12px;font-size:.71rem;white-space:nowrap;font-family:Montserrat,sans-serif}
.hiw-table-wrap td{padding:8px 12px;border-bottom:1px solid var(--global-palette5);white-space:nowrap}
.hiw-table-wrap tbody tr:nth-child(even){background:#f8fbff}
.hiw-table-wrap .t-strong{font-weight:800;color:var(--global-palette1)}
.hiw-table-wrap .t-green{font-weight:700;color:var(--global-palette9)}
.hiw-table-wrap .t-red{font-weight:700;color:var(--global-palette8)}
.hiw-table-wrap .t-amber{font-weight:700;color:#b88100}
.hiw-table-wrap .t-muted{color:var(--global-palette4)}

/* ── IRS source badge ── */
.hiw-source{display:inline-flex;align-items:center;gap:6px;font-size:.68rem;color:var(--global-palette4);background:#f3f5f8;padding:4px 10px;border-radius:999px;margin-top:8px}
.hiw-source a{color:var(--global-palette1);text-decoration:underline}

/* ── Verdict decision tree ── */
.hiw-tree{display:flex;flex-direction:column;gap:8px;margin-top:8px}
.hiw-tree-row{display:flex;align-items:flex-start;gap:10px;background:#f7faff;border:1px solid var(--global-palette5);border-radius:9px;padding:9px 11px;font-size:.76rem}
.hiw-tree-cond{min-width:200px;color:var(--global-palette4);flex-shrink:0;line-height:1.55}
.hiw-tree-cond strong{color:var(--global-palette1);display:block;font-weight:800;font-size:.78rem;margin-bottom:2px}
.hiw-tree-arrow{font-size:.9rem;flex-shrink:0;color:#aab;margin-top:2px}
.hiw-tree-out{flex:1;line-height:1.55}
.hiw-tree-out .verdict-pill{display:inline-block;padding:3px 9px;border-radius:999px;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;margin-right:5px}
.hiw-tree-out .vp-green{background:#e6f5ef;color:#005438}
.hiw-tree-out .vp-amber{background:#fff8e1;color:#6d4c00}
.hiw-tree-out .vp-red{background:#fff0f2;color:#8f001e}
.hiw-tree-out .vp-navy{background:#edf2ff;color:var(--global-palette1)}

/* ── Output KPI decoder ── */
.hiw-kpi-decode{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin:8px 0}
.hiw-decode-row{background:#f7faff;border:1px solid var(--global-palette5);border-radius:9px;padding:9px 11px;font-size:.76rem}
.hiw-decode-row .d-label{font-family:Montserrat,sans-serif;font-size:.7rem;font-weight:800;color:var(--global-palette1);margin-bottom:3px;text-transform:uppercase;letter-spacing:.04em}
.hiw-decode-row .d-text{color:var(--global-palette4);line-height:1.65}

/* ── Mobile ── */
@media(max-width:1100px){
  .hiw-grid2{grid-template-columns:1fr}
  .hiw-grid3{grid-template-columns:repeat(2,1fr)}
  .hiw-banner-grid{grid-template-columns:repeat(2,1fr)}
  .hiw-kpis{grid-template-columns:repeat(2,1fr)}
  .hiw-kpi-decode{grid-template-columns:1fr}
}
@media(max-width:640px){
  .hiw-wrap{padding:0 10px 36px}
  .hiw-grid3{grid-template-columns:1fr}
  .hiw-banner-grid{grid-template-columns:1fr}
  .hiw-card{padding:16px}
  .hiw-tree-row{flex-direction:column;gap:4px}
  .hiw-tree-cond{min-width:unset}
}

 
 .stfaq-section{max-width:1540px;margin:0 auto;padding:0 14px 52px}

  .stfaq-header{text-align:center;padding:10px 16px 28px}
  .stfaq-header h2{
    font-family:Montserrat,sans-serif;
    font-size:clamp(1.35rem,2.8vw,1.9rem);
    color:var(--global-palette1);
    margin-bottom:8px
  }
  .stfaq-header p{
    color:var(--global-palette4);
    font-size:.9rem;
    max-width:760px;
    margin:0 auto;
    line-height:1.75
  }

  .stfaq-group{
    display:flex;
    align-items:center;
    gap:12px;
    margin:4px 0 14px
  }
  .stfaq-group-icon{
    width:32px;height:32px;border-radius:9px;
    display:flex;align-items:center;justify-content:center;
    font-size:.95rem;flex-shrink:0
  }
  .stfaq-group-icon.navy{background:#e8edf8}
  .stfaq-group-icon.green{background:#e6f5ef}
  .stfaq-group-icon.amber{background:#fff8e1}
  .stfaq-group-line{flex:1;height:2px;background:#eef3f7}
  .stfaq-group-title{
    font-family:Montserrat,sans-serif;
    font-size:.75rem;
    font-weight:800;
    text-transform:uppercase;
    letter-spacing:.07em;
    color:var(--global-palette1)
  }

  .stfaq-grid{
    display:grid;
    grid-template-columns:1.08fr .92fr;
    gap:18px;
    margin-bottom:18px
  }

  .stfaq-card{
    background:var(--global-palette7);
    border:1px solid var(--global-palette5);
    border-radius:var(--radius);
    padding:18px;
    box-shadow:var(--shadow)
  }

  .stfaq-card-title{
    display:flex;
    align-items:center;
    gap:9px;
    font-family:Montserrat,sans-serif;
    font-size:.95rem;
    font-weight:800;
    color:var(--global-palette1);
    padding-bottom:9px;
    margin-bottom:12px;
    border-bottom:2px solid #eef3f7
  }

  .stfaq-num{
    width:24px;height:24px;border-radius:7px;
    background:var(--global-palette1);color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:.72rem;font-weight:800;flex-shrink:0
  }
  .stfaq-num.green{background:var(--global-palette9)}
  .stfaq-num.amber{background:#b88100}

  .stfaq-list{
    display:flex;
    flex-direction:column;
    gap:10px
  }

  .stfaq-item{
    border:1px solid var(--global-palette5);
    border-radius:12px;
    background:#fff;
    overflow:hidden
  }

  .stfaq-question{
    width:100%;
    border:none;
    background:#fff;
    cursor:pointer;
    text-align:left;
    padding:14px 16px;
    display:flex;
    align-items:flex-start;
    justify-content:space-between;
    gap:12px;
    font:inherit
  }

  .stfaq-q-left{
    display:flex;
    gap:10px;
    align-items:flex-start
  }

  .stfaq-q-icon{
    width:28px;height:28px;border-radius:8px;
    background:#edf2ff;
    color:var(--global-palette1);
    display:flex;align-items:center;justify-content:center;
    font-size:.82rem;
    flex-shrink:0;
    margin-top:1px
  }

  .stfaq-q-text{
    font-family:Montserrat,sans-serif;
    font-size:.8rem;
    font-weight:800;
    color:var(--global-palette1);
    line-height:1.45
  }

  .stfaq-toggle{
    width:28px;height:28px;border-radius:50%;
    background:#f3f5f8;
    color:var(--global-palette4);
    display:flex;align-items:center;justify-content:center;
    font-size:1rem;
    flex-shrink:0;
    transition:transform .18s ease, background .18s ease, color .18s ease
  }

  .stfaq-item.active .stfaq-toggle{
    transform:rotate(45deg);
    background:#e6f5ef;
    color:var(--global-palette9)
  }

  .stfaq-answer{
    max-height:0;
    overflow:hidden;
    transition:max-height .28s ease;
    background:#fcfdff;
    border-top:1px solid transparent
  }

  .stfaq-item.active .stfaq-answer{
    border-top:1px solid var(--global-palette5)
  }

  .stfaq-answer-inner{
    padding:14px 16px 15px 16px
  }

  .stfaq-answer p{
    font-size:.78rem;
    color:var(--global-palette4);
    line-height:1.8;
    margin:0 0 8px
  }
  .stfaq-answer p:last-child{margin-bottom:0}
  .stfaq-answer strong{color:var(--global-palette3)}

  .stfaq-note{
    font-size:.72rem;
    color:var(--global-palette4);
    margin-top:10px;
    background:#f3f5f8;
    padding:10px 12px;
    border-radius:8px;
    line-height:1.7
  }

  .stfaq-side-box{
    background:#f7faff;
    border:1px solid var(--global-palette5);
    border-radius:12px;
    padding:14px;
    margin-bottom:12px
  }
  .stfaq-side-box:last-child{margin-bottom:0}

  .stfaq-side-box h3{
    font-family:Montserrat,sans-serif;
    font-size:.8rem;
    font-weight:800;
    color:var(--global-palette1);
    margin:0 0 8px
  }

  .stfaq-side-box p{
    font-size:.76rem;
    color:var(--global-palette4);
    line-height:1.75;
    margin:0 0 8px
  }
  .stfaq-side-box p:last-child{margin-bottom:0}

  .stfaq-mini-list{
    list-style:none;
    padding:0;
    margin:0
  }
  .stfaq-mini-list li{
    display:flex;
    gap:8px;
    align-items:flex-start;
    font-size:.74rem;
    color:var(--global-palette4);
    line-height:1.65;
    padding:5px 0;
    border-bottom:1px solid var(--global-palette5)
  }
  .stfaq-mini-list li:last-child{border-bottom:none}
  .stfaq-mini-icon{flex-shrink:0;margin-top:2px}
  .stfaq-mini-icon.green{color:var(--global-palette9)}
  .stfaq-mini-icon.amber{color:#b88100}
  .stfaq-mini-icon.red{color:var(--global-palette8)}
  .stfaq-mini-icon.navy{color:var(--global-palette1)}

  .stfaq-alert{
    padding:12px 13px;
    border-radius:0 8px 8px 0;
    font-size:.78rem;
    line-height:1.75;
    margin-top:12px
  }
  .stfaq-alert.good{background:#e8f5e9;border-left:4px solid var(--global-palette9);color:#1b5e20}
  .stfaq-alert.mid{background:#fff8e1;border-left:4px solid #b88100;color:#6d4c00}
  .stfaq-alert.navy{background:#edf2ff;border-left:4px solid var(--global-palette1);color:#00204a}

  .stfaq-links{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:10px;
    margin-top:10px
  }
  .stfaq-link{
    display:block;
    text-decoration:none;
    background:#fff;
    border:1px solid var(--global-palette5);
    border-radius:10px;
    padding:11px 12px;
    transition:transform .16s ease, box-shadow .16s ease, border-color .16s ease
  }
  .stfaq-link:hover{
    transform:translateY(-2px);
    box-shadow:0 10px 24px rgba(0,40,104,.08);
    border-color:#c6d0dc;
    text-decoration:none
  }
  .stfaq-link-title{
    font-family:Montserrat,sans-serif;
    font-size:.74rem;
    font-weight:800;
    color:var(--global-palette1);
    line-height:1.4;
    margin-bottom:4px
  }
  .stfaq-link-desc{
    font-size:.69rem;
    color:var(--global-palette4);
    line-height:1.6
  }

  @media(max-width:1100px){
    .stfaq-grid{grid-template-columns:1fr}
  }
  @media(max-width:640px){
    .stfaq-section{padding:0 10px 36px}
    .stfaq-card{padding:16px}
    .stfaq-question{padding:13px 14px}
    .stfaq-answer-inner{padding:13px 14px 14px}
    .stfaq-links{grid-template-columns:1fr}
  }
    /* ══ SECTION WRAPPER ══ */
  .strel-section{max-width:1540px;margin:0 auto;padding:0 14px 52px}

  /* ── Header ── */
  .strel-header{text-align:center;padding:10px 16px 28px}
  .strel-header h2{
    font-family:Montserrat,sans-serif;
    font-size:clamp(1.35rem,2.8vw,1.9rem);
    color:var(--global-palette1);
    margin-bottom:8px
  }
  .strel-header p{
    color:var(--global-palette4);font-size:.9rem;
    max-width:760px;margin:0 auto;line-height:1.75
  }

  /* ── Group label ── */
  .strel-group{display:flex;align-items:center;gap:12px;margin-bottom:14px}
  .strel-group-icon{
    width:32px;height:32px;border-radius:9px;
    display:flex;align-items:center;justify-content:center;
    font-size:.95rem;flex-shrink:0
  }
  .strel-group-icon.navy{background:#e8edf8}
  .strel-group-icon.green{background:#e6f5ef}
  .strel-group-icon.amber{background:#fff8e1}
  .strel-group-line{flex:1;height:2px;background:#eef3f7}
  .strel-group-title{
    font-family:Montserrat,sans-serif;font-size:.75rem;
    font-weight:800;text-transform:uppercase;letter-spacing:.07em;
    color:var(--global-palette1);white-space:nowrap
  }

  /* ── Featured 2-col row ── */
  .strel-featured-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:16px;
    margin-bottom:16px
  }

  /* ── Standard 4-col grid ── */
  .strel-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:16px;
    margin-bottom:16px
  }

  /* ── Card base ── */
  .strel-card{
    background:var(--global-palette7);
    border:1px solid var(--global-palette5);
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    text-decoration:none;
    color:var(--global-palette3);
    display:flex;flex-direction:column;
    overflow:hidden;
    transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease
  }
  .strel-card:hover{
    transform:translateY(-3px);
    box-shadow:0 14px 32px rgba(0,40,104,.13);
    border-color:#c6d0dc;
    text-decoration:none
  }

  /* ── Accent top strip ── */
  .strel-accent{height:4px;width:100%}
  .strel-accent.navy{background:linear-gradient(90deg,var(--global-palette1),#214d88)}
  .strel-accent.green{background:linear-gradient(90deg,var(--global-palette9),#00a067)}
  .strel-accent.red{background:linear-gradient(90deg,var(--global-palette8),#e60036)}
  .strel-accent.amber{background:linear-gradient(90deg,#b88100,#e6a800)}
  .strel-accent.teal{background:linear-gradient(90deg,#00838f,#00acc1)}
  .strel-accent.purple{background:linear-gradient(90deg,#5c35b8,#7c4dff)}

  /* ── Card inner ── */
  .strel-card-inner{
    padding:15px 15px 13px;
    display:flex;flex-direction:column;
    gap:8px;flex:1
  }

  /* ── Icon + badge row ── */
  .strel-card-top{
    display:flex;align-items:center;
    justify-content:space-between;gap:8px;margin-bottom:2px
  }
  .strel-card-icon{
    width:34px;height:34px;border-radius:10px;
    display:flex;align-items:center;justify-content:center;
    font-size:1.1rem;flex-shrink:0
  }
  .strel-card-icon.navy{background:#e8edf8}
  .strel-card-icon.green{background:#e6f5ef}
  .strel-card-icon.red{background:#fff0f2}
  .strel-card-icon.amber{background:#fff8e1}
  .strel-card-icon.teal{background:#e0f7fa}
  .strel-card-icon.purple{background:#ede7f6}

  .strel-badge{
    font-size:.58rem;font-weight:800;text-transform:uppercase;
    letter-spacing:.06em;padding:3px 8px;border-radius:999px;white-space:nowrap
  }
  .strel-badge.navy{background:#edf2ff;color:var(--global-palette1)}
  .strel-badge.green{background:#e6f5ef;color:#004d2e}
  .strel-badge.red{background:#fff0f2;color:#7a0018}
  .strel-badge.amber{background:#fff3cd;color:#6d4c00}
  .strel-badge.teal{background:#e0f7fa;color:#006064}
  .strel-badge.purple{background:#ede7f6;color:#3d1a8c}

  /* ── Title & description ── */
  .strel-card h3{
    font-family:Montserrat,sans-serif;
    font-size:.84rem;font-weight:800;
    color:var(--global-palette1);line-height:1.38;margin:0
  }
  .strel-card-desc{
    font-size:.76rem;color:var(--global-palette4);
    line-height:1.72;flex:1
  }

  /* ── Footer CTA ── */
  .strel-card-footer{
    margin-top:auto;padding-top:8px;
    display:flex;align-items:center;
    justify-content:space-between;gap:6px;
    border-top:1px solid var(--global-palette5)
  }
  .strel-card-cta{
    font-family:Montserrat,sans-serif;
    font-size:.72rem;font-weight:700;
    color:var(--global-palette1)
  }
  .strel-card-arrow{font-size:.92rem;color:var(--global-palette4)}

  /* ── Bottom CTA banner ── */
  .strel-cta-banner{
    background:linear-gradient(135deg,var(--global-palette1),#214d88);
    border-radius:var(--radius);padding:20px 22px;
    display:flex;align-items:center;
    justify-content:space-between;gap:14px;color:#fff
  }
  .strel-cta-left h3{
    font-family:Montserrat,sans-serif;
    font-size:.95rem;font-weight:800;margin:0 0 5px
  }
  .strel-cta-left p{
    font-size:.78rem;margin:0;color:rgba(255,255,255,.88);line-height:1.65
  }
  .strel-cta-btn{
    display:inline-flex;align-items:center;gap:8px;
    padding:10px 16px;border-radius:999px;
    border:1.5px solid rgba(255,255,255,.7);
    font-family:Montserrat,sans-serif;font-size:.78rem;font-weight:700;
    color:#fff;text-decoration:none;white-space:nowrap;
    background:rgba(0,0,0,.07);
    transition:background .18s,border-color .18s
  }
  .strel-cta-btn span{font-size:.9rem}
  .strel-cta-btn:hover{background:rgba(0,0,0,.18);border-color:#fff;text-decoration:none}

  /* ── Responsive ── */
  @media(max-width:1100px){
    .strel-grid{grid-template-columns:repeat(2,1fr)}
    .strel-featured-row{grid-template-columns:1fr}
  }
  @media(max-width:640px){
    .strel-section{padding:0 10px 36px}
    .strel-grid{grid-template-columns:1fr}
    .strel-cta-banner{flex-direction:column;align-items:flex-start}
  }
   /* ══ SECTION WRAPPER ══ */
  .stleg-section{max-width:1540px;margin:0 auto;padding:0 14px 52px}

  /* ── Header ── */
  .stleg-header{text-align:center;padding:10px 16px 28px}
  .stleg-header h2{
    font-family:Montserrat,sans-serif;
    font-size:clamp(1.35rem,2.8vw,1.9rem);
    color:var(--global-palette1);margin-bottom:8px
  }
  .stleg-header p{
    color:var(--global-palette4);font-size:.9rem;
    max-width:760px;margin:0 auto;line-height:1.75
  }

  /* ── Top warning banner ── */
  .stleg-top-warn{
    background:#fff8e1;border:1px solid #ffe082;border-radius:14px;
    padding:14px 18px;display:flex;gap:12px;align-items:flex-start;
    margin-bottom:20px
  }
  .stleg-top-warn-icon{font-size:1.4rem;flex-shrink:0;margin-top:2px}
  .stleg-top-warn-body h3{
    font-family:Montserrat,sans-serif;font-size:.84rem;font-weight:800;
    color:#5d4000;margin:0 0 5px
  }
  .stleg-top-warn-body p{font-size:.78rem;color:#5d4000;line-height:1.75;margin:0}

  /* ── Group label ── */
  .stleg-group{display:flex;align-items:center;gap:12px;margin-bottom:14px}
  .stleg-group-icon{
    width:32px;height:32px;border-radius:9px;
    display:flex;align-items:center;justify-content:center;
    font-size:.95rem;flex-shrink:0
  }
  .stleg-group-icon.navy{background:#e8edf8}
  .stleg-group-icon.green{background:#e6f5ef}
  .stleg-group-icon.amber{background:#fff8e1}
  .stleg-group-icon.red{background:#fff0f2}
  .stleg-group-line{flex:1;height:2px;background:#eef3f7}
  .stleg-group-title{
    font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:800;
    text-transform:uppercase;letter-spacing:.07em;color:var(--global-palette1);white-space:nowrap
  }

  /* ── Main two-column layout ── */
  .stleg-layout{display:grid;grid-template-columns:1.28fr .72fr;gap:18px;margin-bottom:18px}

  /* ── Card base ── */
  .stleg-card{
    background:var(--global-palette7);border:1px solid var(--global-palette5);
    border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)
  }
  .stleg-card-title{
    display:flex;align-items:center;gap:9px;
    font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:800;
    color:var(--global-palette1);padding-bottom:9px;margin-bottom:14px;
    border-bottom:2px solid #eef3f7
  }
  .stleg-num{
    width:24px;height:24px;border-radius:7px;
    background:var(--global-palette1);color:#fff;
    display:flex;align-items:center;justify-content:center;
    font-size:.72rem;font-weight:800;flex-shrink:0
  }
  .stleg-num.green{background:var(--global-palette9)}
  .stleg-num.amber{background:#b88100}
  .stleg-num.red{background:var(--global-palette8)}

  /* ── Disclaimer blocks ── */
  .stleg-block{margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--global-palette5)}
  .stleg-block:last-child{margin-bottom:0;padding-bottom:0;border-bottom:none}

  .stleg-block-head{display:flex;align-items:center;gap:9px;margin-bottom:7px}
  .stleg-block-tag{
    width:28px;height:28px;border-radius:8px;
    display:flex;align-items:center;justify-content:center;font-size:.82rem;flex-shrink:0
  }
  .stleg-block-tag.red{background:#fff0f2}
  .stleg-block-tag.amber{background:#fff8e1}
  .stleg-block-tag.green{background:#e6f5ef}
  .stleg-block-tag.navy{background:#e8edf8}

  .stleg-block-label{
    font-family:Montserrat,sans-serif;font-size:.76rem;font-weight:800;
    color:var(--global-palette1);text-transform:uppercase;letter-spacing:.05em
  }

  .stleg-block p{font-size:.79rem;color:var(--global-palette4);line-height:1.78;margin:0 0 7px}
  .stleg-block p:last-child{margin-bottom:0}
  .stleg-block strong{color:var(--global-palette3)}
  .stleg-block a{color:var(--global-palette1);text-decoration:underline}
  .stleg-block a:hover{color:#214d88}

  /* ── Bullet limit list ── */
  .stleg-list{list-style:none;padding:0;margin:7px 0 0}
  .stleg-list li{
    display:flex;gap:8px;align-items:flex-start;
    font-size:.76rem;color:var(--global-palette4);
    padding:5px 0;border-bottom:1px solid var(--global-palette5);line-height:1.65
  }
  .stleg-list li:last-child{border-bottom:none}
  .stleg-list-icon{flex-shrink:0;font-size:.8rem;margin-top:2px}
  .stleg-list-icon.green{color:var(--global-palette9)}
  .stleg-list-icon.amber{color:#b88100}
  .stleg-list-icon.red{color:var(--global-palette8)}
  .stleg-list-icon.navy{color:var(--global-palette1)}

  /* ── Sidebar ── */
  .stleg-sidebar{display:flex;flex-direction:column;gap:14px}

  .stleg-side-card{
    background:var(--global-palette7);border:1px solid var(--global-palette5);
    border-radius:var(--radius);padding:16px;box-shadow:var(--shadow)
  }
  .stleg-side-card h3{
    font-family:Montserrat,sans-serif;font-size:.88rem;font-weight:800;
    color:var(--global-palette1);margin:0 0 10px;padding-bottom:8px;
    border-bottom:2px solid #eef3f7;display:flex;align-items:center;gap:7px
  }

  /* Editorial rows */
  .stleg-ed-row{
    display:flex;gap:10px;align-items:flex-start;
    padding:7px 0;border-bottom:1px solid var(--global-palette5)
  }
  .stleg-ed-row:last-child{border-bottom:none}
  .stleg-ed-icon{
    width:28px;height:28px;border-radius:8px;
    display:flex;align-items:center;justify-content:center;font-size:.8rem;flex-shrink:0
  }
  .stleg-ed-icon.green{background:#e6f5ef}
  .stleg-ed-icon.navy{background:#e8edf8}
  .stleg-ed-icon.amber{background:#fff8e1}
  .stleg-ed-icon.red{background:#fff0f2}
  .stleg-ed-text strong{display:block;font-size:.75rem;font-weight:700;color:var(--global-palette3);margin-bottom:2px}
  .stleg-ed-text span{font-size:.72rem;color:var(--global-palette4);line-height:1.65}

  /* ── Authority links (navy gradient block) ── */
  .stleg-auth{
    background:linear-gradient(135deg,var(--global-palette1),#001a4e);
    border-radius:14px;padding:18px 20px;margin-bottom:18px
  }
  .stleg-auth-head h3{
    font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;
    color:#fff;margin:0 0 4px
  }
  .stleg-auth-head p{font-size:.76rem;color:rgba(255,255,255,.8);line-height:1.6;margin:0 0 12px}

  .stleg-auth-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}

  .stleg-auth-link{
    background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);
    border-radius:10px;padding:11px 12px;text-decoration:none;
    display:flex;flex-direction:column;gap:5px;
    transition:background .18s,transform .18s
  }
  .stleg-auth-link:hover{
    background:rgba(255,255,255,.18);transform:translateY(-2px);text-decoration:none
  }
  .stleg-auth-top{display:flex;align-items:center;justify-content:space-between;gap:6px}
  .stleg-auth-badge{
    font-size:.58rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;
    padding:2px 7px;border-radius:999px;background:rgba(255,255,255,.18);
    color:#fff;white-space:nowrap
  }
  .stleg-auth-icon{font-size:.9rem}
  .stleg-auth-title{font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:700;color:#fff;line-height:1.35}
  .stleg-auth-desc{font-size:.69rem;color:rgba(255,255,255,.8);line-height:1.5}
  .stleg-auth-url{font-size:.62rem;color:rgba(255,255,255,.55);word-break:break-all;margin-top:2px}

  /* ── Compliance footer strip ── */
  .stleg-compliance{
    background:#f3f5f8;border:1px solid var(--global-palette5);
    border-radius:12px;padding:14px 16px;
    display:flex;gap:12px;align-items:flex-start
  }
  .stleg-compliance-icon{font-size:1.3rem;flex-shrink:0;margin-top:2px}
  .stleg-compliance p{font-size:.76rem;color:var(--global-palette4);line-height:1.78;margin:0 0 5px}
  .stleg-compliance p:last-child{margin-bottom:0}
  .stleg-compliance strong{color:var(--global-palette3)}
  .stleg-compliance a{color:var(--global-palette1);text-decoration:underline}

  /* ── Responsive ── */
  @media(max-width:1100px){
    .stleg-layout{grid-template-columns:1fr}
    .stleg-auth-grid{grid-template-columns:1fr}
  }
  @media(max-width:640px){
    .stleg-section{padding:0 10px 36px}
    .stleg-card,.stleg-side-card{padding:16px}
    .stleg-top-warn{flex-direction:column;gap:8px}
    .stleg-compliance{flex-direction:column;gap:8px}
    .stleg-auth{padding:16px}
  }
  /* ── Section header ── */
  .stex-header{text-align:center;padding:10px 16px 28px}
  .stex-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.35rem,2.8vw,1.9rem);color:var(--global-palette1);margin-bottom:8px}
  .stex-header p{color:var(--global-palette4);font-size:.9rem;max-width:760px;margin:0 auto;line-height:1.75}

  /* ── Group label ── */
  .stex-group{display:flex;align-items:center;gap:12px;margin-bottom:16px}
  .stex-group-icon{width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
  .stex-group-icon.navy{background:#e8edf8}
  .stex-group-icon.green{background:#e6f5ef}
  .stex-group-icon.amber{background:#fff8e1}
  .stex-group-line{flex:1;height:2px;background:#eef3f7}
  .stex-group-title{font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--global-palette1);white-space:nowrap}

  /* ── Example grid: 2+3 layout ── */
  .stex-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
  .stex-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:18px;margin-bottom:18px}

  /* ── Example card ── */
  .stex-card{
    background:var(--global-palette7);border:1px solid var(--global-palette5);
    border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;
    display:flex;flex-direction:column
  }

  /* Accent strip */
  .stex-accent{height:5px;width:100%}
  .stex-accent.red{background:linear-gradient(90deg,var(--global-palette8),#e60036)}
  .stex-accent.green{background:linear-gradient(90deg,var(--global-palette9),#00a067)}
  .stex-accent.navy{background:linear-gradient(90deg,var(--global-palette1),#214d88)}
  .stex-accent.amber{background:linear-gradient(90deg,#b88100,#e6a800)}
  .stex-accent.teal{background:linear-gradient(90deg,#00838f,#00acc1)}
  .stex-accent.purple{background:linear-gradient(90deg,#5c35b8,#7c4dff)}

  /* Card top */
  .stex-card-top{padding:15px 15px 0;display:flex;align-items:flex-start;justify-content:space-between;gap:10px}
  .stex-card-meta{display:flex;align-items:center;gap:8px}
  .stex-ex-num{
    width:28px;height:28px;border-radius:8px;
    display:flex;align-items:center;justify-content:center;
    font-family:Montserrat,sans-serif;font-size:.7rem;font-weight:800;
    color:#fff;flex-shrink:0
  }
  .stex-ex-num.red{background:var(--global-palette8)}
  .stex-ex-num.green{background:var(--global-palette9)}
  .stex-ex-num.navy{background:var(--global-palette1)}
  .stex-ex-num.amber{background:#b88100}
  .stex-ex-num.teal{background:#00838f}

  .stex-persona{font-family:Montserrat,sans-serif;font-size:.76rem;font-weight:800;color:var(--global-palette1);line-height:1.35}
  .stex-persona span{display:block;font-size:.68rem;font-weight:600;color:var(--global-palette4);margin-top:1px}

  .stex-verdict-badge{
    font-size:.58rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;
    padding:3px 9px;border-radius:999px;white-space:nowrap;flex-shrink:0
  }
  .stex-verdict-badge.green{background:#e6f5ef;color:#004d2e}
  .stex-verdict-badge.amber{background:#fff3cd;color:#6d4c00}
  .stex-verdict-badge.navy{background:#edf2ff;color:var(--global-palette1)}
  .stex-verdict-badge.red{background:#fff0f2;color:#7a0018}

  /* KPI row */
  .stex-kpi-row{display:flex;gap:0;margin:12px 0 0;border:1px solid var(--global-palette5);border-radius:10px;overflow:hidden}
  .stex-kpi{flex:1;padding:9px 10px;background:#f7f9fc;border-right:1px solid var(--global-palette5);text-align:center}
  .stex-kpi:last-child{border-right:none}
  .stex-kpi-val{font-family:Montserrat,sans-serif;font-size:.92rem;font-weight:800;color:var(--global-palette1);line-height:1.2}
  .stex-kpi-val.green{color:var(--global-palette9)}
  .stex-kpi-val.red{color:var(--global-palette8)}
  .stex-kpi-val.amber{color:#b88100}
  .stex-kpi-lbl{font-size:.62rem;color:var(--global-palette4);margin-top:2px;line-height:1.3}

  /* Divider line */
  .stex-div{height:1px;background:var(--global-palette5);margin:13px 15px 0}

  /* Input rows */
  .stex-inputs{padding:11px 15px 0}
  .stex-input-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--global-palette5)}
  .stex-input-row:last-child{border-bottom:none}
  .stex-input-lbl{font-size:.72rem;color:var(--global-palette4)}
  .stex-input-val{font-family:Montserrat,sans-serif;font-size:.74rem;font-weight:700;color:var(--global-palette3)}

  /* Breakdown block */
  .stex-breakdown{margin:11px 15px 0;background:#f3f5f8;border-radius:10px;padding:10px 12px}
  .stex-breakdown-title{font-family:Montserrat,sans-serif;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--global-palette1);margin-bottom:7px}
  .stex-brow{display:flex;justify-content:space-between;align-items:center;padding:4px 0;border-bottom:1px solid var(--global-palette5);font-size:.73rem}
  .stex-brow:last-child{border-bottom:none}
  .stex-brow.total{padding-top:6px;border-top:2px solid var(--global-palette5);margin-top:3px;border-bottom:none}
  .stex-brow.total .stex-brow-lbl{font-weight:700;color:var(--global-palette3)}
  .stex-brow.total .stex-brow-val{font-weight:800;color:var(--global-palette1)}
  .stex-brow-lbl{color:var(--global-palette4)}
  .stex-brow-val{font-family:Montserrat,sans-serif;font-weight:700;color:var(--global-palette3)}
  .stex-brow-val.green{color:var(--global-palette9)}
  .stex-brow-val.red{color:var(--global-palette8)}
  .stex-brow-val.amber{color:#b88100}

  /* Insight / verdict strip */
  .stex-insight{margin:11px 15px 14px;padding:10px 12px;border-radius:10px;font-size:.75rem;line-height:1.7}
  .stex-insight.green{background:#e6f5ef;border-left:4px solid var(--global-palette9);color:#004d2e}
  .stex-insight.amber{background:#fff8e1;border-left:4px solid #b88100;color:#5d4000}
  .stex-insight.navy{background:#edf2ff;border-left:4px solid var(--global-palette1);color:#002868}
  .stex-insight.red{background:#fff0f2;border-left:4px solid var(--global-palette8);color:#7a0018}
  .stex-insight strong{display:block;font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}

  /* Insights summary table */
  .stex-table-wrap{background:var(--global-palette7);border:1px solid var(--global-palette5);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;margin-bottom:18px}
  .stex-table-head{background:linear-gradient(135deg,var(--global-palette1),#214d88);padding:14px 18px}
  .stex-table-head h3{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;color:#fff;margin:0 0 3px}
  .stex-table-head p{font-size:.76rem;color:rgba(255,255,255,.85);margin:0}
  table.stex-table{width:100%;border-collapse:collapse}
  table.stex-table th{background:#f3f5f8;font-family:Montserrat,sans-serif;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--global-palette1);padding:9px 13px;text-align:left;border-bottom:2px solid var(--global-palette5)}
  table.stex-table td{font-size:.74rem;color:var(--global-palette4);padding:9px 13px;border-bottom:1px solid var(--global-palette5);vertical-align:middle}
  table.stex-table tr:last-child td{border-bottom:none}
  table.stex-table tr:hover td{background:#f7faff}
  .stex-td-name{font-weight:700;color:var(--global-palette3)}
  .stex-td-badge{font-size:.6rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;padding:2px 7px;border-radius:999px}
  .stex-td-badge.green{background:#e6f5ef;color:#004d2e}
  .stex-td-badge.amber{background:#fff3cd;color:#6d4c00}
  .stex-td-badge.navy{background:#edf2ff;color:var(--global-palette1)}
  .stex-td-badge.red{background:#fff0f2;color:#7a0018}
  .stex-td-bold{font-family:Montserrat,sans-serif;font-weight:800;color:var(--global-palette1)}
  .stex-td-bold.green{color:var(--global-palette9)}

  /* Responsive */
  @media(max-width:1100px){
    .stex-grid-2,.stex-grid-3{grid-template-columns:1fr}
  }
  @media(max-width:640px){
    .stex-section{padding:0 10px 36px}
    .stex-kpi-row{flex-wrap:wrap}
    .stex-kpi{min-width:45%;flex:none}
    table.stex-table{font-size:.7rem}
    table.stex-table th,table.stex-table td{padding:7px 9px}
  }
  .sttip-section{max-width:1540px;margin:0 auto;padding:0 14px 52px}

  /* ── Header ── */
  .sttip-header{text-align:center;padding:10px 16px 28px}
  .sttip-header h2{font-family:Montserrat,sans-serif;font-size:clamp(1.35rem,2.8vw,1.9rem);color:var(--global-palette1);margin-bottom:8px}
  .sttip-header p{color:var(--global-palette4);font-size:.9rem;max-width:760px;margin:0 auto;line-height:1.75}

  /* ── Intro alert strip ── */
  .sttip-intro-alert{
    background:#edf2ff;border:1px solid #c7d5f0;border-radius:12px;
    padding:13px 16px;display:flex;gap:10px;align-items:flex-start;
    margin-bottom:22px
  }
  .sttip-intro-alert-icon{font-size:1.3rem;flex-shrink:0;margin-top:1px}
  .sttip-intro-alert p{font-size:.8rem;color:#002868;line-height:1.75;margin:0}
  .sttip-intro-alert strong{font-weight:700}

  /* ── Group label ── */
  .sttip-group{display:flex;align-items:center;gap:12px;margin-bottom:16px}
  .sttip-group-icon{width:32px;height:32px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
  .sttip-group-icon.navy{background:#e8edf8}
  .sttip-group-icon.green{background:#e6f5ef}
  .sttip-group-icon.amber{background:#fff8e1}
  .sttip-group-line{flex:1;height:2px;background:#eef3f7}
  .sttip-group-title{font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:var(--global-palette1);white-space:nowrap}

  /* ══ Featured tip (wide hero card) ══ */
  .sttip-hero{
    background:linear-gradient(135deg,var(--global-palette1),#1a3e7a);
    border-radius:var(--radius);box-shadow:var(--shadow);
    display:grid;grid-template-columns:auto 1fr;
    overflow:hidden;margin-bottom:18px
  }
  .sttip-hero-num{
    width:64px;display:flex;align-items:center;justify-content:center;
    font-family:Montserrat,sans-serif;font-size:2.2rem;font-weight:900;
    color:rgba(255,255,255,.18);flex-shrink:0;
    border-right:1px solid rgba(255,255,255,.12);padding:22px 0
  }
  .sttip-hero-body{padding:20px 22px}
  .sttip-hero-tag{
    display:inline-flex;align-items:center;gap:6px;
    font-size:.6rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;
    background:rgba(255,255,255,.18);color:#fff;
    padding:3px 10px;border-radius:999px;margin-bottom:10px
  }
  .sttip-hero-body h3{
    font-family:Montserrat,sans-serif;font-size:clamp(.95rem,1.6vw,1.15rem);
    font-weight:800;color:#fff;margin-bottom:9px;line-height:1.35
  }
  .sttip-hero-body p{font-size:.82rem;color:rgba(255,255,255,.88);line-height:1.8;margin-bottom:9px}
  .sttip-hero-body p:last-of-type{margin-bottom:0}

  .sttip-hero-action{
    margin-top:13px;padding:10px 13px;
    background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);
    border-radius:10px;font-size:.76rem;color:rgba(255,255,255,.95);line-height:1.65
  }
  .sttip-hero-action strong{color:#fff;font-size:.73rem;text-transform:uppercase;letter-spacing:.05em;display:block;margin-bottom:4px}

  /* ══ Standard 2-col grid ══ */
  .sttip-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}

  /* ══ Tip card ══ */
  .sttip-card{
    background:var(--global-palette7);border:1px solid var(--global-palette5);
    border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;
    display:flex;flex-direction:column
  }
  .sttip-accent{height:4px;width:100%}
  .sttip-accent.green{background:linear-gradient(90deg,var(--global-palette9),#00a067)}
  .sttip-accent.amber{background:linear-gradient(90deg,#b88100,#e6a800)}
  .sttip-accent.teal{background:linear-gradient(90deg,#00838f,#00acc1)}
  .sttip-accent.purple{background:linear-gradient(90deg,#5c35b8,#7c4dff)}
  .sttip-accent.red{background:linear-gradient(90deg,var(--global-palette8),#e60036)}

  .sttip-card-inner{padding:16px 16px 14px;display:flex;flex-direction:column;gap:10px;flex:1}

  .sttip-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:10px}
  .sttip-card-top-left{display:flex;align-items:center;gap:9px}
  .sttip-tip-num{
    width:32px;height:32px;border-radius:10px;
    display:flex;align-items:center;justify-content:center;
    font-family:Montserrat,sans-serif;font-size:.72rem;font-weight:900;
    color:#fff;flex-shrink:0
  }
  .sttip-tip-num.green{background:var(--global-palette9)}
  .sttip-tip-num.amber{background:#b88100}
  .sttip-tip-num.teal{background:#00838f}
  .sttip-tip-num.purple{background:#5c35b8}
  .sttip-tip-num.red{background:var(--global-palette8)}

  .sttip-tip-label{font-family:Montserrat,sans-serif;font-size:.72rem;font-weight:800;color:var(--global-palette1);line-height:1.35}
  .sttip-tip-label span{display:block;font-weight:600;font-size:.67rem;color:var(--global-palette4);margin-top:1px}

  .sttip-difficulty{
    font-size:.58rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;
    padding:3px 8px;border-radius:999px;white-space:nowrap;flex-shrink:0
  }
  .sttip-difficulty.easy{background:#e6f5ef;color:#004d2e}
  .sttip-difficulty.medium{background:#fff3cd;color:#6d4c00}
  .sttip-difficulty.advanced{background:#ede7f6;color:#3d1a8c}

  .sttip-card h3{
    font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;
    color:var(--global-palette1);line-height:1.38;margin:0
  }
  .sttip-card p{font-size:.79rem;color:var(--global-palette4);line-height:1.78;margin:0 0 7px}
  .sttip-card p:last-of-type{margin-bottom:0}
  .sttip-card strong{color:var(--global-palette3)}

  /* Action box inside card */
  .sttip-action{
    margin-top:auto;padding:11px 12px;border-radius:10px;
    font-size:.75rem;line-height:1.7
  }
  .sttip-action.green{background:#e6f5ef;border-left:4px solid var(--global-palette9);color:#004d2e}
  .sttip-action.amber{background:#fff8e1;border-left:4px solid #b88100;color:#5d4000}
  .sttip-action.teal{background:#e0f7fa;border-left:4px solid #00838f;color:#004d40}
  .sttip-action.purple{background:#ede7f6;border-left:4px solid #5c35b8;color:#2a0a6e}
  .sttip-action.red{background:#fff0f2;border-left:4px solid var(--global-palette8);color:#7a0018}
  .sttip-action strong{display:block;font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}

  /* Checklist inside card */
  .sttip-checklist{list-style:none;padding:0;margin:6px 0 0}
  .sttip-checklist li{
    display:flex;gap:8px;align-items:flex-start;
    font-size:.76rem;color:var(--global-palette4);
    padding:5px 0;border-bottom:1px solid var(--global-palette5);line-height:1.65
  }
  .sttip-checklist li:last-child{border-bottom:none}
  .sttip-check-icon{flex-shrink:0;font-size:.78rem;margin-top:2px}
  .sttip-check-icon.green{color:var(--global-palette9)}
  .sttip-check-icon.amber{color:#b88100}
  .sttip-check-icon.navy{color:var(--global-palette1)}
  .sttip-check-icon.red{color:var(--global-palette8)}

  /* ── Mistake-avoidance row card ── */
  .sttip-mistakes{
    background:var(--global-palette7);border:1px solid var(--global-palette5);
    border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;margin-bottom:18px
  }
  .sttip-mistakes-head{
    background:linear-gradient(90deg,#7a0018,#bf0a30);
    padding:13px 18px;display:flex;align-items:center;gap:10px
  }
  .sttip-mistakes-head h3{font-family:Montserrat,sans-serif;font-size:.9rem;font-weight:800;color:#fff;margin:0}
  .sttip-mistakes-head p{font-size:.74rem;color:rgba(255,255,255,.85);margin:0}
  .sttip-mistakes-body{padding:16px;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
  .sttip-mistake-item{background:#f7f9fc;border:1px solid var(--global-palette5);border-radius:10px;padding:11px 12px}
  .sttip-mistake-item-top{display:flex;align-items:center;gap:7px;margin-bottom:6px}
  .sttip-mistake-icon{font-size:.9rem}
  .sttip-mistake-title{font-family:Montserrat,sans-serif;font-size:.74rem;font-weight:800;color:var(--global-palette8)}
  .sttip-mistake-item p{font-size:.74rem;color:var(--global-palette4);line-height:1.68;margin:0}

  /* ── Bottom CTA ── */
  .sttip-cta{
    background:linear-gradient(135deg,var(--global-palette9),#006b47);
    border-radius:var(--radius);padding:18px 22px;
    display:flex;align-items:center;justify-content:space-between;gap:14px
  }
  .sttip-cta-left h3{font-family:Montserrat,sans-serif;font-size:.95rem;font-weight:800;color:#fff;margin:0 0 5px}
  .sttip-cta-left p{font-size:.78rem;color:rgba(255,255,255,.88);line-height:1.65;margin:0}
  .sttip-cta-btn{
    display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:999px;
    border:1.5px solid rgba(255,255,255,.7);font-family:Montserrat,sans-serif;
    font-size:.78rem;font-weight:700;color:#fff;text-decoration:none;white-space:nowrap;
    background:rgba(0,0,0,.1);transition:background .18s,border-color .18s
  }
  .sttip-cta-btn:hover{background:rgba(0,0,0,.22);border-color:#fff;text-decoration:none}

  /* ── Responsive ── */
  @media(max-width:1100px){
    .sttip-grid-2{grid-template-columns:1fr}
    .sttip-hero{grid-template-columns:1fr}
    .sttip-hero-num{display:none}
    .sttip-mistakes-body{grid-template-columns:1fr}
  }
  @media(max-width:640px){
    .sttip-section{padding:0 10px 36px}
    .sttip-card-inner{padding:14px}
    .sttip-cta{flex-direction:column;align-items:flex-start}
    .sttip-mistakes-body{grid-template-columns:1fr}
  }
/* ============================================================
   📱 ULTIMATE MOBILE GRID & HIERARCHY CONTAINMENT
   ============================================================ */

/* Give bottom spacing to cards */
.card, .table-wrap { margin-bottom: 32px !important; }


   
    /* GLOBAL SAFE CONTAINER */
.page-content,
.calc-wrap,
.card {
  box-sizing: border-box;
  max-width: 100%;
  overflow-x: hidden;
}
html,
body {
  max-width: 100%;
  overflow-x: hidden;
}
@media (max-width: 768px) {
  /* Core layout grids */
  .layout-grid,
  .metrics-grid,
  .scenario-grid,
  .legal-grid,
  .ed-pillars {
    grid-template-columns: 1fr !important;
  }

  /* Related calculators grids */
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 480px) {
  .related-grid,
  .auth-grid {
    grid-template-columns: 1fr;
  }
}
/* Tables inside the tool */
.card table {
  table-layout: fixed;
  width: 100%;
}

.card th,
.card td {
  word-wrap: break-word;
  white-space: normal;
}

/* Hard clamp long words in any content */
.card,
.card * {
  word-break: break-word;
}
@media (max-width: 480px) {
  .primary-btn,
  .secondary-btn,
  .mode-toggle button,
  .faq-q,
  .related-card,
  .legal-footer-bar {
    max-width: 100%;
  }

  .tags {
    flex-wrap: wrap;
  }

  .tag {
    max-width: 100%;
  }
}

/* ============================================================
   📱 "HOW TO USE" SECTION MOBILE OVERRIDES
   ============================================================ */
@media (max-width: 950px) {
  /* 1. Convert the 5-column KPI grid into a swipeable mobile carousel */
  .hiw-kpis[style] {
    display: flex !important;
    flex-wrap: nowrap !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important; /* Silky smooth iOS scrolling */
    padding-bottom: 12px !important; /* Room for the scrollbar */
    gap: 10px !important;
  }
  
  /* 2. Lock the width of each step so they don't crush */
  .hiw-kpi {
    min-width: 130px !important; 
    flex-shrink: 0 !important;
  }

  /* 3. Target the 3-column inline grid and force it to stack vertically */
  .hiw-card > div[style*="display:grid"],
  .hiw-card > div[style*="display: grid"] {
    display: flex !important;
    flex-direction: column !important;
    gap: 12px !important;
  }
  
  /* 4. Ensure the alert boxes inside take full width */
  .hiw-alert {
    width: 100% !important;
    box-sizing: border-box !important;
  }
}