/* ============================================================
   CSS VARIABLES — Kadence Global Palette
   ============================================================ */
:root {
  --global-palette1: #002868;   /* Old Glory Blue */
  --global-palette3: #1D1D1F;   /* Headings */
  --global-palette4: #5F6368;   /* Body text */
  --global-palette5: #E0E4E8;   /* Borders */
  --global-palette6: #F7F9FC;   /* Backgrounds */
  --global-palette7: #FFFFFF;   /* Cards */
  --global-palette8: #BF0A30;   /* Red/Alerts */
  --global-palette9: #00875A;   /* Action Green */
  --navy-mid: #003580;
  --navy-dark: #00183F;
  --red-hover: #9B0826;
  --green-h: #006644;
  --shadow-sm: 0 1px 4px rgba(0,40,104,0.08);
  --shadow-md: 0 4px 20px rgba(0,40,104,0.12);
  --shadow-lg: 0 8px 40px rgba(0,40,104,0.16);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--global-palette4);
  background: var(--global-palette6);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  background: var(--global-palette7);
  border-bottom: 1px solid var(--global-palette5);
  padding: 10px 40px;
  font-size: 12px;
  color: var(--global-palette4);
}
.breadcrumb a { color: var(--global-palette1); }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { margin: 0 6px; color: var(--global-palette5); }

/* ============================================================
   HERO BAND
   ============================================================ */
.calc-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--global-palette1) 60%, #003d8c 100%);
  padding: 42px 40px 36px;
  position: relative;
  overflow: hidden;
}
.calc-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.calc-hero::after {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 75% at 85% 50%, rgba(191,10,48,0.10) 0%, transparent 65%);
  pointer-events: none;
}
.calc-hero-inner {
  max-width: 1200px; margin: 0 auto;
  position: relative; z-index: 2;
  display: flex; align-items: flex-start; justify-content: space-between; gap: 32px;
  flex-wrap: wrap;
}
.calc-hero-left { flex: 1; min-width: 260px; }
.calc-hero-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: rgba(0,135,90,0.18); border: 1px solid rgba(0,135,90,0.35);
  color: #4ade80; font-size: 11px; font-weight: 600;
  padding: 4px 12px; border-radius: 20px; margin-bottom: 14px; letter-spacing: 0.5px;
}
.calc-hero-badge .dot { width: 6px; height: 6px; background: #4ade80; border-radius: 50%; animation: blink 1.4s infinite; }
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:0.3} }
.calc-hero h1 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(22px, 3vw, 34px); font-weight: 800;
  color: #fff; line-height: 1.15; letter-spacing: -0.5px; margin-bottom: 10px;
}
.calc-hero h1 em {
  font-style: normal; color: transparent;
  background: linear-gradient(90deg, #ff6b8a, var(--global-palette8));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.calc-hero-sub { font-size: 14px; color: rgba(255,255,255,0.70); line-height: 1.6; max-width: 560px; }
.calc-hero-stats {
  display: flex; gap: 28px; margin-top: 20px; flex-wrap: wrap;
}
.chs { display: flex; flex-direction: column; }
.chs-num { font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 800; color: #fff; line-height: 1; }
.chs-num span { color: var(--global-palette8); }
.chs-lbl { font-size: 11px; color: rgba(255,255,255,0.45); margin-top: 3px; }

/* Feature pills on hero right */
.calc-hero-pills {
  display: flex; flex-direction: column; gap: 8px; align-items: flex-end;
}
.calc-pill {
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.82); font-size: 11.5px; font-weight: 500;
  padding: 6px 14px; border-radius: 20px; display: flex; align-items: center; gap: 6px;
  animation: floatUp 0.5s ease both;
}
.calc-pill span { color: #4ade80; font-size: 13px; }
@keyframes floatUp { from{opacity:0;transform:translateY(10px)} to{opacity:1;transform:translateY(0)} }
.calc-pill:nth-child(1){animation-delay:0.1s}
.calc-pill:nth-child(2){animation-delay:0.2s}
.calc-pill:nth-child(3){animation-delay:0.3s}
.calc-pill:nth-child(4){animation-delay:0.4s}
.calc-pill:nth-child(5){animation-delay:0.5s}
.calc-pill:nth-child(6){animation-delay:0.6s}

/* ============================================================
   MAIN LAYOUT
   ============================================================ */
.calc-page-wrap { max-width: 1200px; margin: 0 auto; padding: 32px 40px 60px; }

/* MODE TABS */
.mode-tabs {
  display: flex; gap: 4px; margin-bottom: 28px;
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 10px; padding: 5px; width: fit-content;
  box-shadow: var(--shadow-sm);
}
.mode-tab {
  padding: 9px 20px;
  font-family: 'Montserrat', sans-serif; font-size: 12.5px; font-weight: 700;
  border-radius: 7px; cursor: pointer; border: none;
  color: var(--global-palette4); background: transparent; transition: all 0.2s;
}
.mode-tab.active {
  background: var(--global-palette1); color: #fff;
  box-shadow: 0 2px 8px rgba(0,40,104,0.25);
}
.mode-tab:not(.active):hover { background: var(--global-palette6); color: var(--global-palette1); }

/* CALC GRID */
.calc-grid {
  display: grid; grid-template-columns: 400px 1fr; gap: 28px; align-items: start;
}
@media (max-width: 900px) { .calc-grid { grid-template-columns: 1fr; } }

/* ============================================================
   INPUT PANEL
   ============================================================ */
.input-panel {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 14px; overflow: hidden; box-shadow: var(--shadow-sm);
}
.panel-header {
  background: var(--global-palette1); padding: 16px 24px;
  font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 700; color: #fff;
  display: flex; align-items: center; gap: 8px;
}
.panel-header .ph-icon { font-size: 16px; }
.panel-body { padding: 20px 24px; display: flex; flex-direction: column; gap: 0; }

/* SECTION GROUPS */
.input-section { margin-bottom: 8px; }
.input-section-title {
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 700;
  color: var(--global-palette8); text-transform: uppercase; letter-spacing: 1.2px;
  margin-bottom: 12px; padding-bottom: 6px; border-bottom: 2px solid var(--global-palette5);
  display: flex; align-items: center; gap: 6px;
}
.input-group { margin-bottom: 14px; }
.input-group label {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12.5px; font-weight: 600; color: var(--global-palette3);
  margin-bottom: 6px;
}
.input-group label .lbl-hint {
  font-size: 11px; font-weight: 400; color: var(--global-palette4);
}
.input-wrap {
  display: flex; align-items: center;
  border: 1.5px solid var(--global-palette5); border-radius: 8px;
  background: var(--global-palette6); overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.input-wrap:focus-within {
  border-color: var(--global-palette1);
  box-shadow: 0 0 0 3px rgba(0,40,104,0.10);
  background: var(--global-palette7);
}
.input-wrap .prefix, .input-wrap .suffix {
  padding: 0 10px;
  font-family: 'Montserrat', sans-serif; font-size: 12px; font-weight: 700;
  color: var(--global-palette4); background: var(--global-palette5);
  height: 100%; display: flex; align-items: center; white-space: nowrap;
  flex-shrink: 0;
}
.input-wrap input, .input-wrap select {
  flex: 1; border: none; background: transparent; outline: none;
  font-family: 'Inter', sans-serif; font-size: 14px; color: var(--global-palette3);
  padding: 10px 12px; min-width: 0;
}
.input-wrap select { cursor: pointer; }
.input-wrap input::placeholder { color: #adb5bd; }

/* TOGGLE SWITCH */
.toggle-row {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 14px; padding: 10px 14px;
  background: var(--global-palette6); border-radius: 8px;
  border: 1px solid var(--global-palette5);
}
.toggle-label { font-size: 12.5px; font-weight: 600; color: var(--global-palette3); }
.toggle-sub { font-size: 11px; color: var(--global-palette4); margin-top: 1px; }
.toggle-switch { position: relative; width: 42px; height: 24px; flex-shrink: 0; margin-left: 12px; }
.toggle-switch input { opacity: 0; width: 0; height: 0; position: absolute; }
.toggle-slider {
  position: absolute; inset: 0;
  background: var(--global-palette5); border-radius: 24px; cursor: pointer;
  transition: background 0.2s;
}
.toggle-slider::before {
  content: ''; position: absolute;
  width: 18px; height: 18px; left: 3px; top: 3px;
  background: #fff; border-radius: 50%; transition: transform 0.2s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.toggle-switch input:checked + .toggle-slider { background: var(--global-palette9); }
.toggle-switch input:checked + .toggle-slider::before { transform: translateX(18px); }

/* SCENARIO SELECTOR */
.scenario-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 8px; margin-bottom: 14px; }
.scenario-btn {
  padding: 9px 10px; border-radius: 8px; cursor: pointer;
  border: 1.5px solid var(--global-palette5); background: var(--global-palette6);
  font-family: 'Montserrat', sans-serif; font-size: 11px; font-weight: 700;
  color: var(--global-palette4); text-align: center; transition: all 0.2s;
}
.scenario-btn:hover { border-color: var(--global-palette1); color: var(--global-palette1); }
.scenario-btn.active { background: var(--global-palette1); color: #fff; border-color: var(--global-palette1); }
.scenario-btn .sb-emoji { display: block; font-size: 16px; margin-bottom: 3px; }

/* ACTIONS */
.calc-actions { display: flex; flex-direction: column; gap: 10px; margin-top: 8px; padding-top: 16px; border-top: 1px solid var(--global-palette5); }
.btn-calc {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 20px; border: none; border-radius: 9px; cursor: pointer;
  font-family: 'Montserrat', sans-serif; font-weight: 800; font-size: 14px;
  background: var(--global-palette9); color: #fff;
  box-shadow: 0 4px 16px rgba(0,135,90,0.30);
  transition: all 0.2s;
}
.btn-calc:hover { background: var(--green-h); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,135,90,0.35); }
.btn-secondary-row { display: flex; gap: 10px; }
.btn-secondary {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 7px;
  padding: 10px 14px; border: 1.5px solid var(--global-palette5); border-radius: 8px;
  cursor: pointer; font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: 12px;
  background: var(--global-palette7); color: var(--global-palette1); transition: all 0.2s;
  display: none;
}
.btn-secondary:hover { background: var(--global-palette1); color: #fff; border-color: var(--global-palette1); }
.btn-secondary.show { display: flex; }
.btn-wa { color: #25D366; border-color: #25D366; }
.btn-wa:hover { background: #25D366 !important; color: #fff !important; border-color: #25D366 !important; }

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

/* KPI CARDS */
.kpi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; }
@media (max-width: 640px) { .kpi-grid { grid-template-columns: repeat(2,1fr); } }
.kpi-card {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 12px; padding: 18px 18px 14px;
  box-shadow: var(--shadow-sm); position: relative; overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.kpi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.kpi-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--kpi-color, var(--global-palette1));
}
.kpi-label {
  font-size: 11px; font-weight: 600; color: var(--global-palette4);
  text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 8px;
}
.kpi-value {
  font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 800;
  color: var(--global-palette3); line-height: 1; margin-bottom: 5px;
}
.kpi-sub { font-size: 11.5px; color: var(--global-palette4); }
.kpi-badge {
  display: inline-block; font-size: 11px; font-weight: 700;
  padding: 2px 8px; border-radius: 10px; margin-top: 4px;
}
.kpi-badge.positive { background: rgba(0,135,90,0.10); color: var(--global-palette9); }
.kpi-badge.negative { background: rgba(191,10,48,0.10); color: var(--global-palette8); }
.kpi-badge.neutral { background: rgba(0,40,104,0.08); color: var(--global-palette1); }

/* ALERT BOXES */
.alert-box {
  padding: 12px 16px; border-radius: 9px; font-size: 13px; font-weight: 500;
  display: flex; align-items: flex-start; gap: 10px; line-height: 1.5;
}
.alert-box .ai { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.alert-box.green { background: rgba(0,135,90,0.08); border: 1px solid rgba(0,135,90,0.2); color: #065f46; }
.alert-box.red { background: rgba(191,10,48,0.07); border: 1px solid rgba(191,10,48,0.18); color: #7f1d1d; }
.alert-box.blue { background: rgba(0,40,104,0.07); border: 1px solid rgba(0,40,104,0.15); color: #1e3a5f; }

/* CHART CARDS */
.chart-card {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 14px; padding: 22px 24px; box-shadow: var(--shadow-sm);
}
.chart-card-title {
  font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 700;
  color: var(--global-palette3); margin-bottom: 4px;
}
.chart-card-sub { font-size: 12px; color: var(--global-palette4); margin-bottom: 18px; }
.chart-wrap { position: relative; width: 100%; }

/* RESULTS TABLE */
.results-table-card {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 14px; overflow: hidden; box-shadow: var(--shadow-sm);
}
.results-table-header {
  padding: 16px 22px; border-bottom: 1px solid var(--global-palette5);
  display: flex; align-items: center; justify-content: space-between;
}
.results-table-header h3 {
  font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 700; color: var(--global-palette3);
}
.table-wrap { overflow-x: auto; }
table.dca-table { width: 100%; border-collapse: collapse; font-size: 12.5px; }
table.dca-table thead tr { background: var(--global-palette6); }
table.dca-table th {
  padding: 10px 14px; text-align: right; font-weight: 700; color: var(--global-palette1);
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.5px; white-space: nowrap;
  border-bottom: 2px solid var(--global-palette5);
}
table.dca-table th:first-child { text-align: left; }
table.dca-table td {
  padding: 9px 14px; text-align: right; border-bottom: 1px solid var(--global-palette5);
  color: var(--global-palette3); font-variant-numeric: tabular-nums;
}
table.dca-table td:first-child { text-align: left; font-weight: 600; color: var(--global-palette4); }
table.dca-table tr:last-child td { border-bottom: none; }
table.dca-table tr:hover td { background: var(--global-palette6); }
.td-positive { color: var(--global-palette9) !important; font-weight: 700; }
.td-negative { color: var(--global-palette8) !important; font-weight: 700; }
.td-neutral { color: var(--global-palette1) !important; font-weight: 700; }

/* PLACEHOLDER STATE */
.calc-placeholder {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 14px; padding: 60px 40px; text-align: center;
  box-shadow: var(--shadow-sm);
}
.cp-icon { font-size: 56px; margin-bottom: 16px; }
.cp-title { font-family: 'Montserrat', sans-serif; font-size: 18px; font-weight: 700; color: var(--global-palette3); margin-bottom: 8px; }
.cp-sub { font-size: 14px; color: var(--global-palette4); max-width: 360px; margin: 0 auto; }

/* BREAK-EVEN HIGHLIGHT */
.breakeven-row td { background: rgba(0,135,90,0.06) !important; }
.breakeven-row td:first-child { font-weight: 800 !important; color: var(--global-palette9) !important; }

/* DISCLAIMER */
.disclaimer {
  background: var(--global-palette7); border: 1px solid var(--global-palette5);
  border-radius: 10px; padding: 14px 18px; font-size: 11.5px; color: var(--global-palette4);
  line-height: 1.6; margin-top: 8px;
}
.disclaimer strong { color: var(--global-palette3); }

/* RESPONSIVE */
@media (max-width: 600px) {
  .calc-hero { padding: 28px 20px 24px; }
  .breadcrumb { padding: 10px 20px; }
  .calc-page-wrap { padding: 20px 16px 40px; }
  .kpi-grid { grid-template-columns: 1fr 1fr; }
  .calc-hero-pills { display: none; }
  .panel-body { padding: 16px 16px; }
  .input-panel { border-radius: 10px; }
}
<style>
/* ── SECTION WRAPPER ── */
.edu-section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 600px) {
  .edu-section { padding: 0 16px 60px; }
}

/* ── SECTION HEADER ── */
.edu-section-header {
  text-align: center;
  margin-bottom: 48px;
}
.edu-section-header .edu-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.15);
  color: var(--global-palette1);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.edu-section-header h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.4px;
}
.edu-section-header h2 em {
  font-style: normal;
  color: var(--global-palette1);
}
.edu-section-header p {
  font-size: 15px;
  color: var(--global-palette4);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ── DIVIDER ── */
.edu-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette8));
  border-radius: 4px;
  margin: 0 auto 40px;
}

/* ── HOW IT WORKS — 3-STEP STRIP ── */
.how-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 56px;
}
@media (max-width: 760px) {
  .how-steps-grid { grid-template-columns: 1fr; }
}
.how-step-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 14px;
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.how-step-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.how-step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--step-color, var(--global-palette1));
}
.step-num {
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--step-color, var(--global-palette1));
  letter-spacing: 1.2px;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.step-icon {
  font-size: 32px;
  margin-bottom: 12px;
  display: block;
}
.how-step-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 15px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 8px;
}
.how-step-card p {
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.65;
}

/* ── WHAT IS DCA — TWO-COLUMN INTRO ── */
.dca-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 56px;
  align-items: start;
}
@media (max-width: 760px) {
  .dca-intro-grid { grid-template-columns: 1fr; }
}
.dca-intro-text h3 {
  font-family: Montserrat, sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}
.dca-intro-text p {
  font-size: 14px;
  color: var(--global-palette4);
  line-height: 1.75;
  margin-bottom: 14px;
}
.dca-intro-text p strong {
  color: var(--global-palette3);
}
.dca-intro-text .inline-highlight {
  background: rgba(0,40,104,0.06);
  border-left: 3px solid var(--global-palette1);
  padding: 12px 16px;
  border-radius: 0 8px 8px 0;
  font-size: 13.5px;
  color: var(--global-palette3);
  font-weight: 500;
  line-height: 1.6;
  margin-top: 6px;
}

/* Real-world example card */
.example-card {
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.example-card-header {
  background: var(--global-palette1);
  padding: 14px 20px;
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 8px;
}
.example-card-body {
  padding: 20px;
}
.example-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 9px 0;
  border-bottom: 1px solid var(--global-palette5);
  font-size: 13px;
}
.example-row:last-child { border-bottom: none; }
.example-row .er-label {
  color: var(--global-palette4);
  font-weight: 500;
}
.example-row .er-val {
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  color: var(--global-palette3);
}
.example-row .er-val.green { color: var(--global-palette9); }
.example-row .er-val.navy { color: var(--global-palette1); }
.example-note {
  margin-top: 12px;
  font-size: 12px;
  color: var(--global-palette4);
  line-height: 1.55;
  font-style: italic;
}

/* ── FORMULA SECTION ── */
.formula-section {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 16px;
  padding: 36px 40px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 56px;
}
@media (max-width: 600px) {
  .formula-section { padding: 24px 20px; }
}
.formula-section h3 {
  font-family: Montserrat, sans-serif;
  font-size: 18px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 6px;
}
.formula-section .fs-sub {
  font-size: 13px;
  color: var(--global-palette4);
  margin-bottom: 28px;
  line-height: 1.6;
}
.formula-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
@media (max-width: 700px) {
  .formula-grid { grid-template-columns: 1fr; }
}
.formula-block {
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  padding: 18px 20px;
}
.formula-block .fb-label {
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--global-palette8);
  margin-bottom: 8px;
}
.formula-block .fb-formula {
  font-family: 'Courier New', monospace;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette1);
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.12);
  border-radius: 6px;
  padding: 10px 14px;
  margin-bottom: 10px;
  line-height: 1.6;
  word-break: break-word;
}
.formula-block .fb-desc {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.formula-block .fb-desc strong {
  color: var(--global-palette3);
}

/* ── FEATURES DEEP-DIVE GRID ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 56px;
}
@media (max-width: 900px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .features-grid { grid-template-columns: 1fr; }
}
.feature-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 12px;
  padding: 22px 20px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s, transform 0.2s;
}
.feature-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.feature-card .fc-icon {
  font-size: 28px;
  margin-bottom: 10px;
  display: block;
}
.feature-card h4 {
  font-family: Montserrat, sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 7px;
}
.feature-card p {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.65;
}
.feature-card .fc-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 10px;
  margin-top: 8px;
  background: rgba(0,40,104,0.08);
  color: var(--global-palette1);
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
.feature-card .fc-badge.green {
  background: rgba(0,135,90,0.10);
  color: var(--global-palette9);
}
.feature-card .fc-badge.red {
  background: rgba(191,10,48,0.08);
  color: var(--global-palette8);
}

/* ── HOW TO READ YOUR RESULTS ── */
.results-guide {
  margin-bottom: 56px;
}
.results-guide h3 {
  font-family: Montserrat, sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 20px;
  letter-spacing: -0.3px;
}
.results-guide-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
@media (max-width: 660px) {
  .results-guide-grid { grid-template-columns: 1fr; }
}
.rg-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 12px;
  padding: 18px 20px;
  display: flex;
  gap: 16px;
  align-items: flex-start;
  box-shadow: var(--shadow-sm);
}
.rg-card .rg-icon-wrap {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--rg-bg, rgba(0,40,104,0.08));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.rg-card .rg-content h4 {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 5px;
}
.rg-card .rg-content p {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}

/* ── DCA vs LUMP SUM TABLE ── */
.compare-section {
  margin-bottom: 56px;
}
.compare-section h3 {
  font-family: Montserrat, sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 6px;
  letter-spacing: -0.3px;
}
.compare-section .cs-sub {
  font-size: 13.5px;
  color: var(--global-palette4);
  margin-bottom: 20px;
  line-height: 1.6;
}
.compare-table-wrap {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  overflow-x: auto;
}
table.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  min-width: 520px;
}
table.compare-table thead tr {
  background: var(--global-palette1);
}
table.compare-table th {
  padding: 13px 18px;
  text-align: left;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 11.5px;
  color: #fff;
  letter-spacing: 0.5px;
  text-transform: uppercase;
}
table.compare-table th:first-child {
  width: 38%;
}
table.compare-table td {
  padding: 12px 18px;
  border-bottom: 1px solid var(--global-palette5);
  color: var(--global-palette3);
  vertical-align: top;
  line-height: 1.55;
}
table.compare-table tr:last-child td { border-bottom: none; }
table.compare-table td:first-child {
  font-weight: 600;
  color: var(--global-palette4);
  font-size: 12.5px;
}
table.compare-table tr:hover td {
  background: var(--global-palette6);
}
.ct-win {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 10px;
  margin-left: 6px;
}
.ct-win.green { background: rgba(0,135,90,0.10); color: var(--global-palette9); }
.ct-win.navy  { background: rgba(0,40,104,0.09); color: var(--global-palette1); }
.ct-win.red   { background: rgba(191,10,48,0.08); color: var(--global-palette8); }

/* ── PRO TIPS STRIP ── */
.pro-tips-section {
  margin-bottom: 56px;
}
.pro-tips-section h3 {
  font-family: Montserrat, sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 20px;
  letter-spacing: -0.3px;
}
.pro-tips-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
@media (max-width: 640px) {
  .pro-tips-grid { grid-template-columns: 1fr; }
}
.pro-tip-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 12px;
  padding: 20px 22px;
  display: flex;
  gap: 14px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s;
}
.pro-tip-card:hover { box-shadow: var(--shadow-md); }
.pt-num {
  font-family: Montserrat, sans-serif;
  font-size: 24px;
  font-weight: 800;
  color: var(--global-palette5);
  line-height: 1;
  flex-shrink: 0;
  padding-top: 2px;
  min-width: 30px;
}
.pt-body h4 {
  font-family: Montserrat, sans-serif;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 5px;
}
.pt-body p {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.65;
}
.pt-body p strong { color: var(--global-palette3); }

/* ── COMMON MISTAKES ── */
.mistakes-section {
  margin-bottom: 56px;
}
.mistakes-section h3 {
  font-family: Montserrat, sans-serif;
  font-size: 20px;
  font-weight: 800;
  color: var(--global-palette3);
  margin-bottom: 20px;
  letter-spacing: -0.3px;
}
.mistakes-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
@media (max-width: 840px) {
  .mistakes-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .mistakes-grid { grid-template-columns: 1fr; }
}
.mistake-card {
  background: rgba(191,10,48,0.04);
  border: 1px solid rgba(191,10,48,0.14);
  border-radius: 12px;
  padding: 20px 18px;
}
.mistake-card .mc-x {
  font-size: 22px;
  margin-bottom: 8px;
  display: block;
}
.mistake-card h4 {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 6px;
}
.mistake-card p {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.mistake-card .mc-fix {
  margin-top: 10px;
  font-size: 12px;
  font-weight: 600;
  color: var(--global-palette9);
  background: rgba(0,135,90,0.08);
  border-radius: 6px;
  padding: 6px 10px;
  line-height: 1.5;
}

/* ── STAT CALLOUT BAR ── */
.stat-callout-bar {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--global-palette1) 60%, #003d8c 100%);
  border-radius: 16px;
  padding: 36px 40px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 56px;
  position: relative;
  overflow: hidden;
}
.stat-callout-bar::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
@media (max-width: 760px) {
  .stat-callout-bar {
    grid-template-columns: repeat(2, 1fr);
    padding: 28px 24px;
    gap: 20px;
  }
}
@media (max-width: 420px) {
  .stat-callout-bar { grid-template-columns: 1fr 1fr; gap: 16px; padding: 24px 16px; }
}
.sc-stat {
  display: flex;
  flex-direction: column;
  position: relative;
  z-index: 2;
}
.sc-stat .sc-num {
  font-family: Montserrat, sans-serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: 5px;
}
.sc-stat .sc-num span { color: var(--global-palette8); }
.sc-stat .sc-lbl {
  font-size: 12px;
  color: rgba(255,255,255,0.60);
  line-height: 1.4;
}



/* ════════════════════════════════
   EXAMPLES SECTION WRAPPER
   ════════════════════════════════ */
.examples-section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 600px) {
  .examples-section { padding: 0 16px 60px; }
}

/* ── SECTION HEADER (reuses edu-section-header pattern) ── */
.examples-section .ex-header {
  text-align: center;
  margin-bottom: 48px;
}
.ex-header .ex-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(191,10,48,0.07);
  border: 1px solid rgba(191,10,48,0.18);
  color: var(--global-palette8);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.ex-header h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.4px;
}
.ex-header h2 em {
  font-style: normal;
  color: var(--global-palette1);
}
.ex-header p {
  font-size: 15px;
  color: var(--global-palette4);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}
.ex-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette8), var(--global-palette1));
  border-radius: 4px;
  margin: 0 auto 48px;
}

/* ════════════════════════════════
   EXAMPLE CARD — MASTER SHELL
   ════════════════════════════════ */
.ex-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: 36px;
  transition: box-shadow 0.25s;
}
.ex-card:hover { box-shadow: var(--shadow-lg); }

/* ── CARD HEADER BAND ── */
.ex-card-header {
  background: var(--ex-accent, var(--global-palette1));
  padding: 22px 32px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.ex-card-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.ex-card-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 90% 50%, rgba(255,255,255,0.06) 0%, transparent 65%);
  pointer-events: none;
}
.ech-left { position: relative; z-index: 2; }
.ex-num-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.20);
  color: rgba(255,255,255,0.85);
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 10px;
}
.ex-card-header h3 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(17px, 2.4vw, 22px);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 6px;
  letter-spacing: -0.3px;
}
.ex-card-header .ech-tagline {
  font-size: 13px;
  color: rgba(255,255,255,0.72);
  line-height: 1.5;
  max-width: 500px;
}
.ech-avatar {
  font-size: 52px;
  line-height: 1;
  position: relative;
  z-index: 2;
  flex-shrink: 0;
  align-self: center;
}
@media (max-width: 540px) {
  .ex-card-header { padding: 20px 20px; }
  .ech-avatar { display: none; }
}

/* ── CARD BODY ── */
.ex-card-body {
  padding: 28px 32px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
@media (max-width: 760px) {
  .ex-card-body {
    grid-template-columns: 1fr;
    padding: 22px 20px;
    gap: 20px;
  }
}

/* ── LEFT: STORY + INPUTS ── */
.ex-story p {
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.75;
  margin-bottom: 14px;
}
.ex-story p strong { color: var(--global-palette3); }

.ex-inputs-block {
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 12px;
  overflow: hidden;
  margin-top: 4px;
}
.ex-inputs-header {
  background: var(--global-palette1);
  padding: 9px 16px;
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 6px;
}
.ex-input-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 16px;
  border-bottom: 1px solid var(--global-palette5);
  font-size: 12.5px;
}
.ex-input-row:last-child { border-bottom: none; }
.ex-input-row .eir-label {
  color: var(--global-palette4);
  font-weight: 500;
}
.ex-input-row .eir-val {
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  color: var(--global-palette3);
  text-align: right;
}
.eir-val.on  { color: var(--global-palette9); }
.eir-val.off { color: var(--global-palette4); }

/* ── RIGHT: KPI RESULTS ── */
.ex-results-block { display: flex; flex-direction: column; gap: 14px; }

.ex-kpi-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
.ex-kpi-card {
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  padding: 14px 14px 10px;
  position: relative;
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.ex-kpi-card:hover { box-shadow: var(--shadow-sm); }
.ex-kpi-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--kc, var(--global-palette1));
}
.ex-kpi-label {
  font-size: 10px;
  font-weight: 600;
  color: var(--global-palette4);
  text-transform: uppercase;
  letter-spacing: 0.7px;
  margin-bottom: 5px;
}
.ex-kpi-value {
  font-family: Montserrat, sans-serif;
  font-size: 18px;
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1;
  margin-bottom: 3px;
}
.ex-kpi-sub {
  font-size: 11px;
  color: var(--global-palette4);
  line-height: 1.4;
}
.ex-kpi-badge {
  display: inline-block;
  font-size: 10px;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 9px;
  margin-top: 4px;
}
.ex-kpi-badge.pos { background: rgba(0,135,90,0.10); color: var(--global-palette9); }
.ex-kpi-badge.neg { background: rgba(191,10,48,0.10); color: var(--global-palette8); }
.ex-kpi-badge.neu { background: rgba(0,40,104,0.08); color: var(--global-palette1); }

/* ── YEAR-BY-YEAR MINI TABLE ── */
.ex-table-wrap {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  overflow: hidden;
}
.ex-table-header {
  padding: 10px 16px;
  border-bottom: 1px solid var(--global-palette5);
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.ex-table-header span {
  font-family: Montserrat, sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--global-palette3);
}
.ex-table-header .eth-sub {
  font-family: Inter, sans-serif;
  font-size: 11px;
  font-weight: 400;
  color: var(--global-palette4);
}
.ex-mini-table-wrap { overflow-x: auto; }
table.ex-mini-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 12px;
  min-width: 400px;
}
table.ex-mini-table thead tr { background: var(--global-palette6); }
table.ex-mini-table th {
  padding: 8px 12px;
  text-align: right;
  font-family: Montserrat, sans-serif;
  font-weight: 700;
  font-size: 10px;
  color: var(--global-palette1);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  border-bottom: 2px solid var(--global-palette5);
  white-space: nowrap;
}
table.ex-mini-table th:first-child { text-align: left; }
table.ex-mini-table td {
  padding: 7px 12px;
  text-align: right;
  border-bottom: 1px solid var(--global-palette5);
  color: var(--global-palette3);
  font-variant-numeric: tabular-nums;
}
table.ex-mini-table td:first-child {
  text-align: left;
  font-weight: 600;
  color: var(--global-palette4);
}
table.ex-mini-table tr:last-child td { border-bottom: none; }
table.ex-mini-table tr:hover td { background: var(--global-palette6); }
table.ex-mini-table .td-pos { color: var(--global-palette9); font-weight: 700; }
table.ex-mini-table .td-neg { color: var(--global-palette8); font-weight: 700; }
table.ex-mini-table .td-neu { color: var(--global-palette1); font-weight: 700; }
table.ex-mini-table .row-highlight td {
  background: rgba(0,135,90,0.05);
}
table.ex-mini-table .row-highlight td:first-child {
  font-weight: 800;
  color: var(--global-palette9);
}

/* ── INSIGHT ALERT ── */
.ex-insight {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 9px;
  font-size: 13px;
  font-weight: 500;
  line-height: 1.55;
}
.ex-insight .ei-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.ex-insight.green {
  background: rgba(0,135,90,0.07);
  border: 1px solid rgba(0,135,90,0.18);
  color: #065f46;
}
.ex-insight.blue {
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.14);
  color: #1e3a5f;
}
.ex-insight.red {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.15);
  color: #7f1d1d;
}
.ex-insight.purple {
  background: rgba(139,92,246,0.07);
  border: 1px solid rgba(139,92,246,0.18);
  color: #4c1d95;
}

/* ── CARD FOOTER ── */
.ex-card-footer {
  border-top: 1px solid var(--global-palette5);
  padding: 14px 32px;
  background: var(--global-palette6);
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
@media (max-width: 600px) { .ex-card-footer { padding: 14px 20px; } }
.ex-card-footer .ecf-label {
  font-size: 11.5px;
  color: var(--global-palette4);
  font-weight: 500;
  flex: 1;
  min-width: 200px;
}
.ecf-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 14px;
  white-space: nowrap;
}
.ecf-tag.navy {
  background: rgba(0,40,104,0.09);
  color: var(--global-palette1);
  border: 1px solid rgba(0,40,104,0.14);
}
.ecf-tag.green {
  background: rgba(0,135,90,0.09);
  color: var(--global-palette9);
  border: 1px solid rgba(0,135,90,0.18);
}
.ecf-tag.red {
  background: rgba(191,10,48,0.07);
  color: var(--global-palette8);
  border: 1px solid rgba(191,10,48,0.14);
}

/* ── DISCLAIMER ── */
.examples-disclaimer {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  padding: 14px 20px;
  font-size: 11.5px;
  color: var(--global-palette4);
  line-height: 1.65;
  margin-top: 8px;
  text-align: center;
}
.examples-disclaimer strong { color: var(--global-palette3); }



/* ════════════════════════════════
   TIPS SECTION WRAPPER
   ════════════════════════════════ */
.tips-section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 600px) {
  .tips-section { padding: 0 16px 60px; }
}

/* ── SECTION HEADER ── */
.tips-header {
  text-align: center;
  margin-bottom: 48px;
}
.tips-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0,135,90,0.08);
  border: 1px solid rgba(0,135,90,0.22);
  color: var(--global-palette9);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.tips-header h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1.2;
  margin-bottom: 12px;
  letter-spacing: -0.4px;
}
.tips-header h2 em {
  font-style: normal;
  color: var(--global-palette1);
}
.tips-header p {
  font-size: 15px;
  color: var(--global-palette4);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.7;
}
.tips-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette9), var(--global-palette1));
  border-radius: 4px;
  margin: 0 auto 52px;
}

/* ════════════════════════════════
   TIP CARD — MASTER SHELL
   ════════════════════════════════ */
.tip-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: 32px;
  transition: box-shadow 0.25s, transform 0.2s;
  position: relative;
}
.tip-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* ── LEFT ACCENT STRIPE ── */
.tip-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; bottom: 0;
  width: 5px;
  background: var(--tip-stripe, var(--global-palette1));
  border-radius: 0;
}

/* ── TIP CARD INNER LAYOUT ── */
.tip-card-inner {
  display: grid;
  grid-template-columns: 340px 1fr;
  min-height: 260px;
}
@media (max-width: 860px) {
  .tip-card-inner { grid-template-columns: 1fr; }
}

/* ── LEFT PANEL — LABEL + HEADLINE ── */
.tip-left {
  background: var(--tip-bg, rgba(0,40,104,0.04));
  border-right: 1px solid var(--global-palette5);
  padding: 32px 28px 28px 34px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}
@media (max-width: 860px) {
  .tip-left {
    border-right: none;
    border-bottom: 1px solid var(--global-palette5);
    padding: 26px 24px 22px 28px;
  }
}
.tip-left::after {
  content: var(--tip-bg-num, '01');
  position: absolute;
  bottom: -12px;
  right: 12px;
  font-family: Montserrat, sans-serif;
  font-size: 96px;
  font-weight: 800;
  color: var(--tip-num-color, rgba(0,40,104,0.06));
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.tip-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.9px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 14px;
  margin-bottom: 16px;
  width: fit-content;
  background: var(--tip-tag-bg, rgba(0,40,104,0.09));
  color: var(--tip-tag-color, var(--global-palette1));
  border: 1px solid var(--tip-tag-border, rgba(0,40,104,0.16));
}
.tip-left h3 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(17px, 2vw, 21px);
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1.25;
  letter-spacing: -0.3px;
  margin-bottom: 12px;
}
.tip-left h3 em {
  font-style: normal;
  color: var(--tip-em-color, var(--global-palette1));
}
.tip-left .tl-sub {
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.6;
  max-width: 280px;
}

/* ── RIGHT PANEL — CONTENT ── */
.tip-right {
  padding: 32px 36px 28px;
  display: flex;
  flex-direction: column;
  gap: 18px;
}
@media (max-width: 860px) {
  .tip-right { padding: 22px 24px 24px; }
}

/* Body paragraphs */
.tip-right p {
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.78;
  margin: 0;
}
.tip-right p strong { color: var(--global-palette3); }
.tip-right p em { color: var(--global-palette1); font-style: normal; font-weight: 600; }

/* ── DATA COMPARISON ROW ── */
.tip-compare-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
@media (max-width: 560px) {
  .tip-compare-row { grid-template-columns: 1fr 1fr; }
}
.tcr-cell {
  background: var(--global-palette6);
  border: 1px solid var(--global-palette5);
  border-radius: 10px;
  padding: 12px 14px;
  position: relative;
  overflow: hidden;
}
.tcr-cell::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--tcr-c, var(--global-palette1));
}
.tcr-label {
  font-size: 10.5px;
  font-weight: 600;
  color: var(--global-palette4);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 5px;
}
.tcr-value {
  font-family: Montserrat, sans-serif;
  font-size: 17px;
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1;
  margin-bottom: 3px;
}
.tcr-note {
  font-size: 11px;
  color: var(--global-palette4);
  line-height: 1.4;
}

/* ── CHECKLIST ── */
.tip-checklist {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.tip-check-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.tip-check-item .tci-icon {
  font-size: 15px;
  flex-shrink: 0;
  margin-top: 1px;
}
.tip-check-item strong { color: var(--global-palette3); }

/* ── WARNING / CAUTION BLOCK ── */
.tip-warning {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 16px;
  border-radius: 9px;
  font-size: 13px;
  line-height: 1.6;
  font-weight: 500;
}
.tip-warning .tw-icon { font-size: 16px; flex-shrink: 0; margin-top: 2px; }
.tip-warning.red {
  background: rgba(191,10,48,0.06);
  border: 1px solid rgba(191,10,48,0.16);
  color: #7f1d1d;
}
.tip-warning.green {
  background: rgba(0,135,90,0.07);
  border: 1px solid rgba(0,135,90,0.18);
  color: #065f46;
}
.tip-warning.blue {
  background: rgba(0,40,104,0.06);
  border: 1px solid rgba(0,40,104,0.14);
  color: #1e3a5f;
}
.tip-warning.amber {
  background: rgba(217,119,6,0.07);
  border: 1px solid rgba(217,119,6,0.20);
  color: #78350f;
}
.tip-warning.purple {
  background: rgba(139,92,246,0.07);
  border: 1px solid rgba(139,92,246,0.18);
  color: #4c1d95;
}

/* ── STEP SEQUENCE ── */
.tip-steps {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.tip-step {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.ts-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--global-palette1);
  color: #fff;
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.ts-body {
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.65;
}
.ts-body strong { color: var(--global-palette3); }

/* ── QUOTE PULL ── */
.tip-quote {
  border-left: 3px solid var(--tip-stripe, var(--global-palette1));
  padding: 10px 16px;
  background: var(--global-palette6);
  border-radius: 0 8px 8px 0;
  font-size: 13.5px;
  font-style: italic;
  color: var(--global-palette3);
  font-weight: 500;
  line-height: 1.6;
}
.tip-quote cite {
  display: block;
  font-size: 11.5px;
  font-style: normal;
  font-weight: 700;
  color: var(--global-palette4);
  margin-top: 6px;
}

/* ── DO / DON'T SPLIT ── */
.tip-do-dont {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
@media (max-width: 500px) {
  .tip-do-dont { grid-template-columns: 1fr; }
}
.tdd-col {
  border-radius: 10px;
  padding: 14px 16px;
}
.tdd-col.do {
  background: rgba(0,135,90,0.06);
  border: 1px solid rgba(0,135,90,0.18);
}
.tdd-col.dont {
  background: rgba(191,10,48,0.05);
  border: 1px solid rgba(191,10,48,0.15);
}
.tdd-title {
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 10px;
}
.tdd-col.do   .tdd-title { color: var(--global-palette9); }
.tdd-col.dont .tdd-title { color: var(--global-palette8); }
.tdd-item {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.55;
  margin-bottom: 7px;
}
.tdd-item:last-child { margin-bottom: 0; }
.tdd-item .tdi-icon { font-size: 13px; flex-shrink: 0; margin-top: 1px; }
.tdd-item strong { color: var(--global-palette3); }

/* ── CARD FOOTER ── */
.tip-card-footer {
  border-top: 1px solid var(--global-palette5);
  padding: 12px 32px 12px 38px;
  background: var(--global-palette6);
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
@media (max-width: 600px) { .tip-card-footer { padding: 12px 20px; } }
.tip-card-footer .tcf-label {
  font-size: 12px;
  color: var(--global-palette4);
  font-weight: 500;
  flex: 1;
  min-width: 200px;
}
.tcf-pill {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  padding: 4px 11px;
  border-radius: 14px;
  white-space: nowrap;
}
.tcf-pill.navy {
  background: rgba(0,40,104,0.09);
  color: var(--global-palette1);
  border: 1px solid rgba(0,40,104,0.14);
}
.tcf-pill.green {
  background: rgba(0,135,90,0.09);
  color: var(--global-palette9);
  border: 1px solid rgba(0,135,90,0.18);
}
.tcf-pill.red {
  background: rgba(191,10,48,0.07);
  color: var(--global-palette8);
  border: 1px solid rgba(191,10,48,0.14);
}
.tcf-pill.purple {
  background: rgba(139,92,246,0.09);
  color: #6d28d9;
  border: 1px solid rgba(139,92,246,0.18);
}


/* ════════════════════════════════
   FAQ SECTION WRAPPER
   ════════════════════════════════ */
.faq-section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 600px) {
  .faq-section { padding: 0 16px 70px; }
}

/* ── HEADER ── */
.faq-header {
  text-align: center;
  margin-bottom: 40px;
}
.faq-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--global-palette1);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.faq-header h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(22px, 3vw, 30px);
  font-weight: 800;
  color: var(--global-palette3);
  line-height: 1.2;
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
.faq-header h2 em {
  font-style: normal;
  color: var(--global-palette1);
}
.faq-header p {
  font-size: 14.5px;
  color: var(--global-palette4);
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.7;
}
.faq-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette8));
  border-radius: 4px;
  margin: 26px auto 32px;
}

/* ════════════════════════════════
   FAQ LAYOUT
   ════════════════════════════════ */
.faq-grid {
  display: grid;
  grid-template-columns: 2.2fr 1.1fr;
  gap: 26px;
}
@media (max-width: 880px) {
  .faq-grid { grid-template-columns: 1fr; }
}

/* ── ACCORDION CONTAINER ── */
.faq-accordion {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  padding: 10px 4px;
}

/* ── FAQ ITEM ── */
.faq-item {
  border-bottom: 1px solid var(--global-palette5);
}
.faq-item:last-child { border-bottom: none; }

.faq-toggle {
  display: none;
}

.faq-label {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  padding: 12px 18px 12px 22px;
  cursor: pointer;
  transition: background 0.18s;
}
.faq-label:hover {
  background: var(--global-palette6);
}
.faq-label-inner {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.faq-q-num {
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--global-palette5);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-top: 3px;
}
.faq-q-text {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  line-height: 1.45;
}
.faq-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1px solid var(--global-palette5);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: var(--global-palette4);
  margin-top: 2px;
  flex-shrink: 0;
  transition: transform 0.18s, background 0.18s, color 0.18s, border-color 0.18s;
}

/* ── ANSWER PANEL ── */
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.26s ease;
  padding: 0 22px 0 44px;
}
.faq-answer-inner {
  padding-bottom: 14px;
}
.faq-answer p {
  font-size: 13px;
  color: var(--global-palette4);
  line-height: 1.7;
  margin-bottom: 10px;
}
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer p strong { color: var(--global-palette3); }

.faq-answer ul {
  list-style: none;
  padding-left: 0;
  margin: 6px 0 6px;
}
.faq-answer ul li {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
  margin-bottom: 4px;
  display: flex;
  gap: 6px;
}
.faq-answer ul li::before {
  content: '•';
  color: var(--global-palette1);
  font-weight: 700;
  margin-top: 0;
}

/* ── TOGGLE STATE ── */
.faq-toggle:checked + .faq-label {
  background: rgba(0,40,104,0.03);
}
.faq-toggle:checked + .faq-label .faq-icon {
  transform: rotate(90deg);
  background: var(--global-palette1);
  color: #fff;
  border-color: var(--global-palette1);
}
.faq-toggle:checked ~ .faq-answer {
  max-height: 600px;
}

/* Allow multiple FAQs open at once on mobile (simple CSS, no JS) */

/* ── FAQ SIDEBAR / QUICK FACTS ── */
.faq-sidebar {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.faq-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 14px;
  padding: 16px 18px 14px;
  box-shadow: var(--shadow-sm);
}
.faq-card h3 {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 6px;
}
.faq-card p {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}

.faq-card .faq-bullet-list {
  margin-top: 6px;
}
.faq-card .faq-bullet-list li {
  font-size: 12px;
  color: var(--global-palette4);
  line-height: 1.55;
  margin-bottom: 4px;
  display: flex;
  gap: 6px;
}
.faq-card .faq-bullet-list li::before {
  content: '✓';
  font-size: 11px;
  color: var(--global-palette9);
  margin-top: 1px;
}

.faq-highlight-box {
  background: linear-gradient(135deg, var(--navy-dark), var(--global-palette1));
  border-radius: 14px;
  padding: 18px 18px 16px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.faq-highlight-box::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 42px 42px;
  pointer-events: none;
}
.faq-highlight-box h3 {
  font-family: Montserrat, sans-serif;
  font-size: 14px;
  font-weight: 800;
  margin-bottom: 6px;
  position: relative;
  z-index: 1;
}
.faq-highlight-box p {
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255,255,255,0.85);
  position: relative;
  z-index: 1;
}
.faq-highlight-box .fh-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: Montserrat, sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 14px;
  margin-bottom: 10px;
  background: rgba(0,0,0,0.18);
  color: rgba(255,255,255,0.85);
}

/* ════════════════════════════════
   END FAQ STYLES
   ════════════════════════════════ */


/* ════════════════════════════════
   RELATED CALCULATORS WRAPPER
   ════════════════════════════════ */
.related-calcs-section {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 600px) {
  .related-calcs-section { padding: 0 16px 70px; }
}

/* ── HEADER ── */
.rc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  margin-bottom: 26px;
  flex-wrap: wrap;
}
.rc-header-main h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(20px, 2.8vw, 26px);
  font-weight: 800;
  color: var(--global-palette3);
  letter-spacing: -0.3px;
  margin-bottom: 4px;
}
.rc-header-main h2 em {
  font-style: normal;
  color: var(--global-palette1);
}
.rc-header-main p {
  font-size: 13.5px;
  color: var(--global-palette4);
  line-height: 1.6;
}
.rc-header-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 5px 14px;
  border-radius: 18px;
  background: rgba(0,135,90,0.10);
  border: 1px solid rgba(0,135,90,0.22);
  font-family: Montserrat, sans-serif;
  font-size: 11px;
  font-weight: 700;
  color: var(--global-palette9);
  letter-spacing: 0.8px;
  text-transform: uppercase;
}
.rc-divider {
  width: 56px;
  height: 4px;
  background: linear-gradient(90deg, var(--global-palette1), var(--global-palette9));
  border-radius: 4px;
  margin-bottom: 26px;
}

/* ════════════════════════════════
   CARD GRID
   ════════════════════════════════ */
.rc-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 18px;
}
@media (max-width: 960px) {
  .rc-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
}
@media (max-width: 640px) {
  .rc-grid { grid-template-columns: minmax(0,1fr); }
}

.rc-card {
  background: var(--global-palette7);
  border: 1px solid var(--global-palette5);
  border-radius: 14px;
  padding: 16px 16px 14px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: box-shadow 0.22s, transform 0.18s, border-color 0.18s;
  text-decoration: none;
  color: inherit;
}
.rc-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--global-palette1);
}
.rc-card-top {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 10px;
}
.rc-icon {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--rc-icon-bg, rgba(0,40,104,0.06));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.rc-card-title {
  font-family: Montserrat, sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--global-palette3);
  margin-bottom: 3px;
}
.rc-card-pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: Montserrat, sans-serif;
  font-size: 10px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 12px;
  background: rgba(0,40,104,0.06);
  color: var(--global-palette1);
  text-transform: uppercase;
  letter-spacing: 0.6px;
}
.rc-card-body {
  font-size: 12.5px;
  color: var(--global-palette4);
  line-height: 1.6;
  margin-bottom: 9px;
}
.rc-meta-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-size: 11.5px;
  color: var(--global-palette4);
}
.rc-meta-row span {
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.rc-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 2px 8px;
  border-radius: 10px;
  font-size: 10px;
  font-weight: 700;
}
.rc-badge.green {
  background: rgba(0,135,90,0.09);
  color: var(--global-palette9);
}
.rc-badge.blue {
  background: rgba(0,40,104,0.09);
  color: var(--global-palette1);
}
.rc-badge.purple {
  background: rgba(139,92,246,0.10);
  color: #6d28d9;
}

/* =========================================================
   ABSOLUTE TITANIUM MOBILE LOCK (UPDATED FOR SCENARIOS)
   ========================================================= */
@media screen and (max-width: 768px) {
    /* 1. STRICT VIEWPORT LOCK */
    html, body { 
        max-width: 100% !important; 
        overflow-x: hidden !important; 
        margin: 0 !important; 
        padding: 0 !important; 
    }
    * { box-sizing: border-box !important; }

    /* 2. FORCE MAIN LAYOUT & ALL SECTIONS TO STACK & CONTAIN */
    /* Added .examples-section, .edu-section, etc., to strictly contain them */
    .calc-page-wrap, .edu-section, .examples-section, .tips-section, .faq-section, .related-calcs-section {
        width: 100% !important;
        max-width: 100% !important;
        min-width: 0 !important;
        padding: 16px 12px 40px !important;
        margin: 0 !important;
        box-sizing: border-box !important;
        overflow-x: hidden !important;
    }

    .calc-grid, .input-panel, .results-panel, #forward-inputs, #reverse-inputs {
        display: flex !important; 
        flex-direction: column !important;
        width: 100% !important; 
        max-width: 100% !important;
        min-width: 0 !important;
        margin: 0 !important;
        box-sizing: border-box !important;
    }
    
    .calc-grid { gap: 16px !important; }

    /* 3. DESTROY GRIDS TO PREVENT STRETCHING */
    /* Added .ex-card-body so the scenario grid collapses on mobile */
    .kpi-grid, .scenario-grid, .how-steps-grid, .dca-intro-grid, .formula-grid, 
    .features-grid, .results-guide-grid, .pro-tips-grid, .mistakes-grid, 
    .checklist-grid, .faq-grid, .rc-grid, .tip-compare-row, .tip-do-dont,
    .ex-card-body {
        display: flex !important; 
        flex-direction: column !important; 
        width: 100% !important; 
        max-width: 100% !important;
        min-width: 0 !important;
        gap: 12px !important;
        box-sizing: border-box !important;
    }

    /* 4. FORCE ALL CARDS & BLOCKS TO OBEY WIDTH LIMITS */
    /* Added .ex-card, .ex-inputs-block, and .ex-results-block */
    .chart-card, .results-table-card, .how-step-card, .example-card, 
    .formula-block, .feature-card, .rg-card, .pro-tip-card, .mistake-card, 
    .faq-card, .rc-card, .tip-card-inner, .ex-card, .ex-inputs-block, .ex-results-block {
        min-width: 0 !important; 
        width: 100% !important; 
        max-width: 100% !important; 
        overflow: hidden !important; 
        display: block !important;
        box-sizing: border-box !important;
    }
    
    .panel-body { padding: 16px 12px !important; }
    .ex-card-body { padding: 16px 16px !important; } /* Tighter padding for scenario cards */

    /* 5. CRITICAL FIX: FORCE INPUTS TO STAY INSIDE CONTAINERS */
    .input-section, .input-group { 
        width: 100% !important; 
        max-width: 100% !important; 
        min-width: 0 !important; 
        box-sizing: border-box !important; 
    }
    
    .input-wrap {
        display: flex !important;
        width: 100% !important;
        max-width: 100% !important;
        min-width: 0 !important;
        box-sizing: border-box !important;
    }

    input[type="number"], select, .form-input {
        flex: 1 !important; 
        width: 100% !important;
        min-width: 0 !important;
        box-sizing: border-box !important;
    }

    /* 6. INDEPENDENT TABLE SCROLLING */
    .table-wrap, .ex-mini-table-wrap, .compare-table-wrap {
        display: block !important; 
        width: 100% !important; 
        max-width: 100% !important;
        overflow-x: auto !important; 
        -webkit-overflow-scrolling: touch !important;
        border: none !important; 
    }
    table, .dca-table, .ex-mini-table, .compare-table { 
        width: max-content !important; 
        min-width: 100% !important; 
    }
    th, td { white-space: nowrap !important; }

    /* 7. RESTRAIN CHART.JS */
    .chart-wrap { 
        width: 100% !important; 
        max-width: 100% !important; 
        min-width: 0 !important;
        position: relative !important; 
        height: 260px !important; 
        display: block !important; 
        overflow: hidden !important; 
    }
    canvas { max-width: 100% !important; height: auto !important; }
    
    /* 8. ALLOW LARGE NUMBERS & TEXT TO WRAP */
    /* Added text wrapping for the scenario header and story to prevent horizontal blowouts */
    .kpi-value, .sc-num, .chs-num, .ex-kpi-value, .tcr-value, .three-val,
    .ex-card-header h3, .ex-story p {
        word-wrap: break-word !important; 
        overflow-wrap: break-word !important; 
        white-space: normal !important;
    }
    .kpi-value, .sc-num, .chs-num, .ex-kpi-value, .tcr-value, .three-val {
        font-size: clamp(1.2rem, 6vw, 1.4rem) !important;
    }
    
    /* 9. HERO ADJUSTMENTS */
    .calc-hero { padding: 32px 16px !important; }
    .calc-hero h1 { font-size: 1.8rem !important; }
    .calc-hero-inner { flex-direction: column !important; }
    
    /* 10. TABS SCROLLING FIX */
    .mode-tabs {
        display: flex !important;
        flex-wrap: nowrap !important;
        overflow-x: auto !important;
        width: 100% !important;
        -webkit-overflow-scrolling: touch !important;
        box-sizing: border-box !important;
    }
    .mode-tab { white-space: nowrap !important; flex: 1; text-align: center; }
}