/* ============================================================
   KADENCE CSS VARIABLES – USFinanceCalculators.com
   ============================================================ */
:root{
  --navy:#002868;--navy-dark:#00183F;--charcoal:#1D1D1F;
  --gray:#5F6368;--border:#E0E4E8;--bg:#F7F9FC;
  --white:#FFFFFF;--red:#BF0A30;--green:#00875A;
  --orange:#E67E22;
  --shadow-sm:0 1px 4px rgba(0,40,104,.08);
  --shadow-md:0 4px 20px rgba(0,40,104,.12);
  --shadow-lg:0 8px 40px rgba(0,40,104,.16);
  --tr:.2s ease;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;color:var(--gray);background:var(--bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}

/* ── Typography patch ── */
#scWrapper h2,#scWrapper h3,#scWrapper label,
#scWrapper .klabel,#scWrapper .be-panel h3,#scWrapper .cw h3,
#scWrapper .notes h3{color:#1e293b;font-weight:800}
#scWrapper .affix input,#scWrapper .f select{font-weight:600;color:#0f172a;font-size:15px}
#scWrapper .affix span{color:#334155;font-weight:800}
#scWrapper .hint,#scWrapper .card-head p{color:#64748b;font-weight:500}
/* ============================================================
   HERO
   ============================================================ */
.hero{background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 60%,#1e4d7b 100%);padding:clamp(36px,6vw,52px) 20px clamp(28px,5vw,44px);text-align:center;position:relative;overflow:hidden;margin-bottom:28px}
.hero::before{content:'';position:absolute;inset:0;background:repeating-linear-gradient(60deg,rgba(255,255,255,.018) 0,rgba(255,255,255,.018) 1px,transparent 1px,transparent 18px)}
.hero-inner{max-width:900px;margin:0 auto;position:relative;z-index:1}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(243,156,18,.15);border:1px solid rgba(243,156,18,.4);color:#fcd34d;font-size:12px;font-weight:700;padding:5px 16px;border-radius:20px;margin-bottom:18px;letter-spacing:.3px}
.bdot{width:7px;height:7px;background:#fcd34d;border-radius:50%;animation:blink 1.5s ease-in-out infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.2}}
.hero h1{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(22px,4vw,42px);color:#fff;line-height:1.15;margin-bottom:14px;letter-spacing:-.5px}
.hero h1 span{color:#FCD34D}
.hero p{font-size:clamp(14px,1.6vw,15.5px);color:rgba(255,255,255,.83);max-width:780px;margin:0 auto 22px;line-height:1.75}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.92);font-size:clamp(11px,1.2vw,12px);font-weight:600;padding:5px 14px;border-radius:20px;white-space:nowrap}

/* ============================================================
   CALCULATOR LAYOUT
   ============================================================ */
.wrap{max-width:1300px;margin:0 auto;padding:0 20px 60px}
.ad-slot{background:var(--white);border:1px dashed var(--border);border-radius:12px;min-height:90px;display:flex;align-items:center;justify-content:center;color:#aab0b8;font-size:12px;letter-spacing:.5px;margin-bottom:28px}
.grid{display:grid;grid-template-columns:minmax(0,440px) 1fr;gap:24px;align-items:start}

/* === CARDS & PANELS === */
.card{background:var(--white);border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow-sm);overflow:hidden}
.card-sticky{position:sticky;top:24px}
.card-head{padding:22px 22px 16px;border-bottom:1px solid var(--border)}
.card-head h2{font-family:'Montserrat',sans-serif;font-size:clamp(17px,2vw,19px);color:var(--charcoal);margin-bottom:4px}
.card-head p{font-size:13.5px;margin:0}

/* === TABS — scrollable on mobile === */
.tabs{display:flex;border-bottom:2px solid var(--border);background:var(--bg);overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.tabs::-webkit-scrollbar{display:none}
.tab{flex:0 0 auto;min-width:max-content;padding:12px 16px;font-family:'Montserrat',sans-serif;font-size:clamp(11.5px,1.4vw,13px);font-weight:700;color:var(--gray);background:transparent;border:none;border-bottom:3px solid transparent;margin-bottom:-2px;transition:color .2s,border-color .2s;cursor:pointer;white-space:nowrap;-webkit-tap-highlight-color:transparent}
.tab:active{opacity:.7}
.tab.active{color:var(--navy);border-bottom-color:var(--navy)}
.panel{display:none;padding:20px 22px}
.panel.active{display:block}

/* === INPUTS === */
.fg{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.f{display:flex;flex-direction:column;gap:5px}
.f.full{grid-column:1/-1}
.f label{font-size:12.5px;font-weight:700;color:var(--charcoal)}
.f .hint{font-size:11.5px;color:var(--gray);margin-top:-2px}

.affix{display:flex;align-items:center;height:48px;border:1.5px solid var(--border);border-radius:10px;background:var(--bg);overflow:hidden;transition:border-color .2s,box-shadow .2s}
.affix:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.10);background:var(--white)}
.affix span{flex:0 0 auto;padding:0 11px;font-size:13px;font-weight:700;color:var(--navy);background:rgba(0,40,104,.06);height:100%;display:inline-flex;align-items:center;border-right:1px solid var(--border)}
.affix.suf span{order:2;border-right:0;border-left:1px solid var(--border)}
.affix input{border:0;background:transparent;padding:0 12px;height:100%;font-size:15px;color:var(--charcoal);width:100%;outline:none;-moz-appearance:textfield}
.affix input::-webkit-inner-spin-button,.affix input::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}

.f select{height:48px;border:1.5px solid var(--border);border-radius:10px;background:var(--bg);padding:0 12px;font-size:14px;color:var(--charcoal);outline:none;transition:border-color .2s,box-shadow .2s;cursor:pointer;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M2 4l4 4 4-4' stroke='%235F6368' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center}
.f select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.10)}

.shared{padding:18px 22px;border-top:1px solid var(--border);background:rgba(0,40,104,.02)}
.shared h3{font-family:'Montserrat',sans-serif;font-size:13px;color:var(--navy);font-weight:700;margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}

/* === BUTTONS – 48px min for touch === */
.actions{display:flex;flex-wrap:wrap;gap:10px;padding:16px 22px;border-top:1px solid var(--border);background:var(--bg)}
.btn-p,.btn-s,.btn-g,.btn-rst{display:inline-flex;align-items:center;justify-content:center;gap:7px;min-height:48px;padding:12px 18px;border-radius:10px;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;cursor:pointer;border:none;transition:transform .16s ease,box-shadow .16s ease,background .2s;-webkit-tap-highlight-color:transparent}
.btn-p{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(0,40,104,.22);flex:1 1 100%}
.btn-p:hover{transform:translateY(-1px);background:var(--navy-dark)}
.btn-p:active{transform:translateY(0);box-shadow:0 2px 8px rgba(0,40,104,.18)}
.btn-s{background:var(--red);color:#fff;box-shadow:0 6px 16px rgba(191,10,48,.18);flex:1 1 calc(50% - 5px)}
.btn-s:hover{transform:translateY(-1px);background:#9b0826}
.btn-s:active{transform:translateY(0)}
.btn-g{background:#25D366;color:#fff;flex:1 1 calc(50% - 5px)}
.btn-g:hover{transform:translateY(-1px);background:#1da851}
.btn-g:active{transform:translateY(0)}
.btn-rst{background:transparent;color:var(--gray);border:1.5px solid var(--border);flex:1 1 100%;min-height:48px}
.btn-rst:hover{border-color:var(--navy);color:var(--navy)}
.btn-rst:active{background:rgba(0,40,104,.03)}
.hidden{display:none!important}
.err{padding:0 22px 12px;font-size:13px;font-weight:600;color:var(--red);min-height:20px;margin:0}

/* === RESULTS PANEL === */
.res-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;padding-bottom:16px;flex-wrap:wrap}
.cbadge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,135,90,.09);color:var(--green);border:1px solid rgba(0,135,90,.18);border-radius:999px;padding:6px 12px;font-size:11.5px;font-weight:700;white-space:nowrap}

/* === WINNER === */
.winner{margin:0 22px 20px;padding:22px;border-radius:14px;background:linear-gradient(135deg,var(--navy) 0%,#0b3f92 100%);color:#fff;box-shadow:var(--shadow-md);position:relative;overflow:hidden}
.winner::after{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right,rgba(255,255,255,.1) 0%,transparent 60%);pointer-events:none}
.wlabel{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.65);position:relative;z-index:1}
.wval{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(22px,3vw,32px);margin:8px 0 6px;position:relative;z-index:1}
.wval .hl{color:#FCD34D}
.wsub{font-size:13px;color:rgba(255,255,255,.7);position:relative;z-index:1}

/* === KPIs === */
.kpis{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:0 22px 20px}
.kpi{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:16px;box-shadow:var(--shadow-sm)}
.klabel{font-size:11px;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.04em}
.kval{display:block;margin-top:8px;font:800 clamp(18px,2.5vw,23px)/1.1 'Montserrat',sans-serif;color:var(--charcoal)}
.kval.pos{color:var(--green)}
.kval.neg{color:var(--red)}
.ktiny{display:block;margin-top:6px;font-size:11px;color:var(--gray)}

/* === COMPARISON TABLE — responsive === */
.tw{margin:0 22px 20px;overflow:hidden;border:1px solid var(--border);border-radius:14px;background:var(--white);box-shadow:var(--shadow-sm)}
.tw h3{font-family:'Montserrat',sans-serif;font-size:14px;color:var(--charcoal);padding:16px 18px 0;margin-bottom:0;text-transform:uppercase;letter-spacing:.5px}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;position:relative}
.table-scroll::after{content:'';position:absolute;top:0;right:0;bottom:0;width:30px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.9));pointer-events:none;opacity:0;transition:opacity .3s}
.table-scroll.has-scroll::after{opacity:1}
.ct{width:100%;border-collapse:collapse;min-width:560px}
.ct th,.ct td{padding:12px 14px;border-bottom:1px solid var(--border);text-align:left;font-size:13px}
.ct th{font-family:'Montserrat',sans-serif;font-size:11.5px;color:var(--charcoal);background:var(--bg);text-transform:uppercase;letter-spacing:.04em;font-weight:700;position:sticky;top:0;z-index:1}
.ct tr:last-child td{border-bottom:none}
.rm{font-weight:700;color:var(--charcoal);white-space:nowrap}
.vw{font-weight:700;color:var(--green);font-size:12px}

/* === BREAK-EVEN === */
.be-panel{margin:0 22px 20px;padding:20px;background:var(--white);border:1px solid var(--border);border-radius:14px;box-shadow:var(--shadow-sm)}
.be-panel h3{font-family:'Montserrat',sans-serif;font-size:14px;color:var(--charcoal);text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px}
.be-panel p{font-size:14px;line-height:1.7;color:var(--charcoal)}

/* === DEFERRED INTEREST WARNING === */
.deferred-warn{margin:0 22px 20px;padding:18px 20px;background:#FFF8E6;border:1px solid #F5DEB3;border-left:4px solid var(--orange);border-radius:12px}
.deferred-warn p{font-size:13.5px;line-height:1.7;color:var(--charcoal);margin:0}

/* === CHART === */
.cw{margin:0 22px 20px;background:var(--white);border:1px solid var(--border);border-radius:12px;padding:18px;box-shadow:var(--shadow-sm)}
.cw h3{font-family:'Montserrat',sans-serif;font-size:14px;color:var(--charcoal);margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}
.cw canvas{height:300px!important;width:100%!important}

/* === SMART NOTES === */
.notes{margin:0 22px 22px;padding:20px;background:var(--white);border:1px solid var(--border);border-radius:12px;box-shadow:var(--shadow-sm)}
.notes h3{font-family:'Montserrat',sans-serif;font-size:14px;color:var(--charcoal);margin-bottom:12px;text-transform:uppercase;letter-spacing:.5px}
.notes ul{list-style:none;display:flex;flex-direction:column;gap:8px;margin:0;padding:0}
.notes li{font-size:13.5px;color:var(--charcoal);display:flex;align-items:flex-start;gap:8px;line-height:1.6}
.notes li::before{content:"\2192";color:var(--navy);font-weight:700;flex-shrink:0;margin-top:1px}

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */
@media(max-width:1100px){
  .grid{grid-template-columns:1fr}
  .card-sticky{position:static}
  .kpis{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  .wrap{padding:0 12px 40px}
  .fg{grid-template-columns:1fr}
  .kpis{grid-template-columns:1fr}
  .winner,.tw,.cw,.notes,.be-panel,.deferred-warn{margin-left:0;margin-right:0}
  .card-head{padding:18px 16px 14px}
  .panel{padding:16px}
  .shared{padding:14px 16px}
  .actions{padding:14px 16px}
  .hero{padding:clamp(28px,5vw,40px) 14px clamp(22px,4vw,36px)}
  .hero h1{font-size:clamp(20px,5.5vw,32px)}
  .hero p{font-size:14px;margin-bottom:16px}
  .chips{gap:6px}
  .chip{font-size:11px;padding:4px 10px}
  .tab{padding:10px 12px;font-size:12px}
  .affix{height:48px}
  .f select{height:48px}
  .be-panel p{font-size:13px}
  .deferred-warn p{font-size:13px}
  .cw canvas{height:240px!important}
}
@media(max-width:400px){
  .hero h1{font-size:clamp(18px,6vw,24px)}
  .kpi{padding:14px 12px}
  .kval{font-size:17px}
  .ct th,.ct td{padding:10px 10px;font-size:12px}
}

/* ============================================================
   HOW THIS CALCULATOR WORKS — Store Card vs Standard Card
   Kadence palette · Mobile-first
   ============================================================ */
.htw-sec{max-width:1280px;margin:36px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* ── Header ── */
.htw-header{text-align:center;margin-bottom:32px}
.htw-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.htw-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.htw-title{font:800 clamp(24px,3.6vw,38px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.htw-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* ── Overview Cards ── */
.htw-overview{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:36px}
.htw-ov-card{background:#fff;border:1px solid #E0E4E8;border-radius:14px;padding:20px 16px;text-align:center;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.htw-ov-num{font:900 clamp(28px,3vw,36px)/1 Montserrat,sans-serif;color:#002868;margin-bottom:8px}
.htw-ov-text strong{display:block;font-size:13px;color:#1D1D1F;margin-bottom:2px}
.htw-ov-text span{font-size:11.5px;color:#5F6368}

/* ── Steps ── */
.htw-step{margin-bottom:32px;padding:24px;background:#fff;border:1px solid #E0E4E8;border-radius:18px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.htw-step-badge{display:inline-block;background:#002868;color:#fff;font:700 11px Montserrat,sans-serif;padding:4px 12px;border-radius:6px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:12px}
.htw-step-title{font:800 clamp(17px,2.4vw,22px)/1.25 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 10px}
.htw-step-desc{font-size:14.5px;color:#5F6368;margin:0 0 18px;max-width:800px}

/* ── Field Cards ── */
.htw-fields-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px}
.htw-field-card{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;padding:16px}
.htw-field-card--warn{background:#FFF8E6;border-color:#F5DEB3;border-left:4px solid #E67E22}
.htw-field-label{font:700 13px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:4px}
.htw-field-default{font-size:11.5px;font-weight:700;color:#002868;background:rgba(0,40,104,.06);display:inline-block;padding:2px 8px;border-radius:4px;margin-bottom:8px}
.htw-field-card p{font-size:13px;color:#5F6368;margin:0;line-height:1.6}
.htw-field-card p strong{color:#1D1D1F}

/* ── Callout ── */
.htw-callout{margin-top:18px;padding:18px 20px;background:rgba(0,40,104,.03);border:1px solid rgba(0,40,104,.10);border-radius:12px}
.htw-callout h4{font:700 14px Montserrat,sans-serif;color:#002868;margin:0 0 10px}
.htw-callout p{font-size:13.5px;color:#5F6368;margin:0 0 8px;line-height:1.6}
.htw-callout p:last-child{margin-bottom:0}
.htw-callout strong{color:#1D1D1F}

/* ── Formula Box ── */
.htw-formula-box{background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 100%);color:#fff;border-radius:14px;padding:20px 22px;margin-bottom:20px}
.htw-formula-box h4{font:700 13px Montserrat,sans-serif;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.06em;margin:0 0 10px}
.htw-formula{font:700 clamp(14px,1.8vw,18px)/1.4 'Courier New',monospace;color:#FCD34D;word-break:break-word}

/* ── Math Grid ── */
.htw-math-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(260px,100%),1fr));gap:14px}
.htw-math-card{background:#fff;border:1px solid #E0E4E8;border-radius:14px;padding:18px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.htw-math-card--green{border-top:3px solid #00875A}
.htw-math-card--red{border-top:3px solid #BF0A30}
.htw-math-icon{font-size:22px;margin-bottom:8px}
.htw-math-card h4{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px}
.htw-math-formula{font:600 12.5px/1.5 'Courier New',monospace;color:#002868;background:rgba(0,40,104,.04);padding:8px 10px;border-radius:6px;margin-bottom:10px;word-break:break-word}
.htw-math-card p{font-size:13px;color:#5F6368;margin:0;line-height:1.6}

/* ── Results Grid ── */
.htw-results-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(300px,100%),1fr));gap:14px}
.htw-res-card{display:flex;gap:14px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;padding:16px;align-items:flex-start}
.htw-res-num{flex-shrink:0;width:32px;height:32px;background:#002868;color:#fff;border-radius:8px;display:flex;align-items:center;justify-content:center;font:800 14px Montserrat,sans-serif}
.htw-res-body h4{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.htw-res-body p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.55}
.htw-res-body p strong{color:#1D1D1F}

/* ── Export Grid ── */
.htw-export-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px}
.htw-export-card{display:flex;gap:14px;background:#fff;border:1px solid #E0E4E8;border-radius:14px;padding:18px;align-items:flex-start;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.htw-export-icon{flex-shrink:0;width:44px;height:44px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px}
.htw-export-card h4{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.htw-export-card p{font-size:13px;color:#5F6368;margin:0;line-height:1.6}

/* ── Factors Section ── */
.htw-factors{margin-top:36px;padding:28px 24px;background:linear-gradient(135deg,#f8fafd 0%,#f0f4f9 100%);border:1px solid #E0E4E8;border-radius:18px}
.htw-factors-title{font:800 clamp(18px,2.4vw,24px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px;text-align:center}
.htw-factors-lead{font-size:14px;color:#5F6368;text-align:center;margin:0 auto 24px;max-width:700px}
.htw-factors-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(300px,100%),1fr));gap:14px}
.htw-factor{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid #E0E4E8;border-radius:12px;padding:16px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.htw-factor-num{flex-shrink:0;width:30px;height:30px;background:linear-gradient(135deg,#002868,#0b3f92);color:#FCD34D;border-radius:8px;display:flex;align-items:center;justify-content:center;font:800 13px Montserrat,sans-serif}
.htw-factor-body h4{font:700 13.5px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.htw-factor-body p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.6}

/* ============ RESPONSIVE ============ */
@media(max-width:768px){
  .htw-sec{padding:0 10px}
  .htw-overview{grid-template-columns:repeat(2,1fr);gap:10px}
  .htw-ov-card{padding:14px 10px}
  .htw-ov-num{font-size:24px}
  .htw-step{padding:18px 14px;margin-bottom:20px}
  .htw-fields-grid{grid-template-columns:1fr}
  .htw-math-grid{grid-template-columns:1fr}
  .htw-results-grid{grid-template-columns:1fr}
  .htw-export-grid{grid-template-columns:1fr}
  .htw-factors-grid{grid-template-columns:1fr}
  .htw-factors{padding:20px 14px}
  .htw-formula-box{padding:16px}
}
@media(max-width:400px){
  .htw-overview{grid-template-columns:1fr 1fr;gap:8px}
  .htw-ov-card{padding:12px 8px}
  .htw-ov-num{font-size:22px}
  .htw-step-title{font-size:17px}
  .htw-field-card{padding:12px}
  .htw-res-card{padding:12px}
  .htw-factor{padding:12px}
}

/* ============================================================
   EDUCATIONAL CONTENT — Key Terms & Concepts
   Kadence palette · Mobile-first
   ============================================================ */
.edu-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* ── Header ── */
.edu-header{text-align:center;margin-bottom:32px}
.edu-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.edu-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.edu-title{font:800 clamp(24px,3.6vw,38px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.edu-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* ── Part Dividers ── */
.edu-part{display:flex;align-items:center;gap:14px;margin:36px 0 20px;padding-bottom:12px;border-bottom:2px solid #E0E4E8}
.edu-part-label{background:#002868;color:#FCD34D;font:800 11px Montserrat,sans-serif;padding:4px 12px;border-radius:6px;text-transform:uppercase;letter-spacing:.05em;white-space:nowrap}
.edu-part-title{font:800 clamp(18px,2.4vw,24px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0}

/* ── Full-width Term (Card Types) ── */
.edu-term-full{background:#fff;border:1px solid #E0E4E8;border-radius:18px;padding:24px;margin-bottom:18px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-term-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.edu-term-icon{width:48px;height:48px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:24px;flex-shrink:0}
.edu-term-icon--navy{background:rgba(0,40,104,.08)}
.edu-term-icon--green{background:rgba(0,135,90,.08)}
.edu-term-name{font:800 clamp(17px,2vw,20px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0}
.edu-term-aka{font-size:12px;color:#5F6368;font-style:italic}
.edu-term-body p{font-size:14px;margin:0 0 12px;color:#5F6368}
.edu-term-body p strong{color:#1D1D1F}

/* ── Sub Cards (Closed/Open Loop) ── */
.edu-sub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px;margin:16px 0}
.edu-sub-card{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;padding:16px}
.edu-sub-badge{display:inline-block;font:700 11px Montserrat,sans-serif;padding:3px 10px;border-radius:4px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px}
.edu-sub-badge--red{background:rgba(191,10,48,.08);color:#BF0A30}
.edu-sub-badge--navy{background:rgba(0,40,104,.08);color:#002868}
.edu-sub-card h5{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px}
.edu-sub-card p{font-size:13px;color:#5F6368;margin:0 0 10px;line-height:1.6}
.edu-example{font-size:12px;color:#5F6368;background:rgba(0,40,104,.04);padding:8px 10px;border-radius:6px}
.edu-example strong{color:#002868}

/* ── Insight Box ── */
.edu-insight{margin-top:14px;padding:14px 16px;background:rgba(0,40,104,.03);border:1px solid rgba(0,40,104,.10);border-radius:10px;font-size:13px;color:#5F6368;line-height:1.6}
.edu-insight strong{color:#002868}

/* ── Terms Grid (2-col) ── */
.edu-terms-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(400px,100%),1fr));gap:18px;margin-bottom:12px}
.edu-term-card{background:#fff;border:1px solid #E0E4E8;border-radius:18px;padding:22px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-term-card--alert{border-color:#F5DEB3;background:#FFFCF5;grid-column:1/-1}
.edu-term-card-head{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.edu-term-emoji{font-size:24px;flex-shrink:0}
.edu-term-card-head h4{font:800 clamp(15px,1.8vw,18px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0}
.edu-term-full-name{font-weight:500;font-size:.82em;color:#5F6368}
.edu-term-card p{font-size:13.5px;margin:0 0 12px;color:#5F6368;line-height:1.6}
.edu-term-card p strong{color:#1D1D1F}
.edu-term-card p:last-child{margin-bottom:0}

/* ── Stat Row ── */
.edu-stat-row{display:flex;gap:12px;margin:14px 0;flex-wrap:wrap}
.edu-stat{flex:1;min-width:100px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px;padding:12px;text-align:center}
.edu-stat-num{display:block;font:800 clamp(18px,2vw,24px)/1 Montserrat,sans-serif}
.edu-stat-label{display:block;font-size:11px;color:#5F6368;margin-top:4px}

/* ── Formula Box ── */
.edu-formula-box{background:linear-gradient(135deg,#0f2540 0%,#1a3a5c 100%);color:#fff;border-radius:12px;padding:16px 18px;margin:14px 0}
.edu-formula-label{font:700 11px Montserrat,sans-serif;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.06em;margin-bottom:8px}
.edu-formula{font:700 clamp(13px,1.6vw,16px)/1.4 'Courier New',monospace;color:#FCD34D;word-break:break-word}

/* ── Compare Mini ── */
.edu-compare-mini{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(240px,100%),1fr));gap:12px;margin:14px 0}
.edu-compare-item{padding:14px;border-radius:10px;border:1px solid #E0E4E8}
.edu-compare-item--bad{background:rgba(191,10,48,.04);border-color:rgba(191,10,48,.15)}
.edu-compare-item--good{background:rgba(0,135,90,.04);border-color:rgba(0,135,90,.15)}
.edu-compare-item--neutral{background:#F7F9FC}
.edu-compare-item strong{display:block;font:700 13px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:6px}
.edu-compare-val{display:block;font:800 clamp(16px,2vw,22px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin-bottom:6px}
.edu-compare-item--bad .edu-compare-val{color:#BF0A30}
.edu-compare-item--good .edu-compare-val{color:#00875A}
.edu-compare-note{font-size:12px;color:#5F6368;display:block}

/* ── Diff Table (Deferred vs 0%) ── */
.edu-diff-table{margin:14px 0;border:1px solid #E0E4E8;border-radius:12px;overflow:hidden;font-size:13px}
.edu-diff-head{display:grid;grid-template-columns:.9fr 1fr 1fr;background:#F7F9FC;border-bottom:1px solid #E0E4E8;font:700 12px Montserrat,sans-serif}
.edu-diff-th{padding:10px 12px;color:#5F6368;text-transform:uppercase;letter-spacing:.04em}
.edu-diff-th--red{color:#BF0A30}
.edu-diff-th--green{color:#00875A}
.edu-diff-row{display:grid;grid-template-columns:.9fr 1fr 1fr;border-bottom:1px solid #f0f2f4}
.edu-diff-row:last-child{border-bottom:none}
.edu-diff-td{padding:10px 12px;color:#5F6368;line-height:1.5}
.edu-diff-td--label{font-weight:700;color:#1D1D1F;background:#FBFCFD}

/* ── Scenario (Rewards Comparison) ── */
.edu-scenario{margin:14px 0;padding:18px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px}
.edu-scenario h5{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 12px}
.edu-scenario-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(240px,100%),1fr));gap:12px}
.edu-scenario-card{background:#fff;border:1px solid #E0E4E8;border-radius:10px;padding:14px}
.edu-scenario-label{font:700 12px Montserrat,sans-serif;color:#002868;margin-bottom:8px}
.edu-scenario-math{font-size:13px;color:#5F6368;margin-bottom:4px}
.edu-scenario-math strong{color:#1D1D1F}
.edu-scenario-total{margin-top:8px;padding-top:8px;border-top:1px solid #E0E4E8;font:700 14px Montserrat,sans-serif;color:#002868}

/* ── Split Grid (Balance Split) ── */
.edu-split-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(200px,100%),1fr));gap:12px;margin:14px 0}
.edu-split-card{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px;padding:14px}
.edu-split-label{font:700 13px Montserrat,sans-serif;color:#002868;margin-bottom:6px}
.edu-split-card p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.5}

/* ── Glossary Table ── */
.edu-glossary{margin-top:36px;padding:24px;background:#fff;border:1px solid #E0E4E8;border-radius:18px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.edu-glossary-title{font:800 clamp(18px,2.4vw,24px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px;text-align:center}
.edu-glossary-lead{font-size:14px;color:#5F6368;text-align:center;margin:0 0 18px}
.edu-glossary-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid #E0E4E8;border-radius:12px}
.edu-table{width:100%;border-collapse:collapse;min-width:640px}
.edu-table thead{background:#F7F9FC}
.edu-table th{padding:12px 14px;font:700 12px Montserrat,sans-serif;color:#002868;text-align:left;text-transform:uppercase;letter-spacing:.04em;border-bottom:2px solid #E0E4E8;white-space:nowrap}
.edu-table td{padding:10px 14px;font-size:13px;color:#5F6368;border-bottom:1px solid #f0f2f4;line-height:1.5}
.edu-table td strong{color:#1D1D1F}
.edu-table tr:last-child td{border-bottom:none}

/* ============ RESPONSIVE ============ */
@media(max-width:768px){
  .edu-sec{padding:0 10px}
  .edu-term-full{padding:18px 14px}
  .edu-sub-grid{grid-template-columns:1fr}
  .edu-terms-grid{grid-template-columns:1fr}
  .edu-term-card{padding:16px}
  .edu-term-card--alert{grid-column:auto}
  .edu-stat-row{gap:8px}
  .edu-stat{min-width:80px;padding:10px 6px}
  .edu-compare-mini{grid-template-columns:1fr}
  .edu-diff-table{font-size:12px}
  .edu-diff-head,.edu-diff-row{grid-template-columns:.7fr 1fr 1fr}
  .edu-diff-th,.edu-diff-td{padding:8px 8px}
  .edu-scenario-grid{grid-template-columns:1fr}
  .edu-split-grid{grid-template-columns:1fr}
  .edu-glossary{padding:16px 12px}
  .edu-part{gap:10px}
}
@media(max-width:400px){
  .edu-term-head{flex-direction:column;align-items:flex-start;gap:8px}
  .edu-term-card-head{flex-wrap:wrap}
  .edu-stat-row{flex-direction:column}
  .edu-stat{min-width:auto}
  .edu-diff-head,.edu-diff-row{grid-template-columns:1fr}
  .edu-diff-th:first-child,.edu-diff-td--label{display:none}
  .edu-diff-td{padding:6px 10px}
}

/* ============================================================
   5 REAL US EXAMPLES
   Kadence palette · Mobile-first
   ============================================================ */
.ex-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* Header */
.ex-header{text-align:center;margin-bottom:28px}
.ex-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.ex-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.ex-title{font:800 clamp(22px,3.4vw,36px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.ex-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* Assumptions Banner */
.ex-assumptions{background:linear-gradient(135deg,#0f2540,#1a3a5c);color:#fff;border-radius:14px;padding:18px 22px;margin-bottom:28px}
.ex-assumptions h4{font:700 14px Montserrat,sans-serif;color:#FCD34D;margin:0 0 12px}
.ex-assume-grid{display:flex;flex-wrap:wrap;gap:10px}
.ex-assume-item{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:8px 14px;font-size:13px;color:rgba(255,255,255,.85)}
.ex-assume-item strong{color:#fff}

/* Example Card */
.ex-card{background:#fff;border:1px solid #E0E4E8;border-radius:20px;margin-bottom:24px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08);position:relative}
.ex-card-num{position:absolute;top:16px;right:16px;width:36px;height:36px;background:rgba(0,40,104,.06);border-radius:10px;display:flex;align-items:center;justify-content:center;font:800 16px Montserrat,sans-serif;color:#002868}

/* Card Header */
.ex-card-head{padding:24px 24px 0;border-bottom:1px solid #E0E4E8;padding-bottom:18px}
.ex-card-vs{display:flex;align-items:center;gap:10px;margin-bottom:10px}
.ex-card-badge{font:700 11px Montserrat,sans-serif;padding:4px 10px;border-radius:5px;text-transform:uppercase;letter-spacing:.05em}
.ex-card-badge--store{background:rgba(191,10,48,.08);color:#BF0A30}
.ex-card-badge--std{background:rgba(0,40,104,.08);color:#002868}
.ex-card-vs-text{font:700 12px Montserrat,sans-serif;color:#5F6368}
.ex-card-title{font:800 clamp(16px,2.2vw,22px)/1.25 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px}
.ex-vs-span{font-weight:400;color:#5F6368;font-size:.85em}
.ex-card-profile{font-size:13.5px;color:#5F6368;margin:0}
.ex-card-profile strong{color:#1D1D1F}

/* Card Body */
.ex-card-body{padding:20px 24px 24px}

/* Specs Grid */
.ex-specs{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px;margin-bottom:18px}
.ex-spec-col{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;padding:14px;overflow:hidden}
.ex-spec-label{font:700 13px Montserrat,sans-serif;color:#002868;margin-bottom:10px;padding-bottom:8px;border-bottom:1px solid #E0E4E8}
.ex-spec-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;font-size:12.5px;border-bottom:1px solid #f0f2f4}
.ex-spec-row:last-child{border-bottom:none}
.ex-spec-row span{color:#5F6368}
.ex-spec-row strong{color:#1D1D1F;text-align:right;font-weight:700}

/* Results */
.ex-results{margin-bottom:18px}
.ex-res-winner{display:flex;align-items:center;gap:12px;padding:14px 16px;border-radius:12px;margin-bottom:14px}
.ex-res-winner--std{background:rgba(0,40,104,.06);border:1px solid rgba(0,40,104,.15)}
.ex-res-winner--store{background:rgba(191,10,48,.06);border:1px solid rgba(191,10,48,.15)}
.ex-res-winner--depends{background:rgba(230,126,34,.06);border:1px solid rgba(230,126,34,.15)}
.ex-res-winner-icon{font-size:24px;flex-shrink:0}
.ex-res-winner strong{display:block;font:700 14px Montserrat,sans-serif;color:#1D1D1F}
.ex-res-winner span{font-size:12.5px;color:#5F6368}

.ex-res-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(260px,100%),1fr));gap:12px}
.ex-res-metric{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px;padding:14px}
.ex-res-label{font:700 11px Montserrat,sans-serif;color:#5F6368;text-transform:uppercase;letter-spacing:.04em;margin-bottom:6px}
.ex-res-value{font:800 clamp(18px,2vw,24px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin-bottom:6px}
.ex-res-value--pos{color:#00875A}
.ex-res-value--neg{color:#BF0A30}
.ex-res-detail{font-size:12px;color:#5F6368;line-height:1.5}

/* Verdict */
.ex-verdict{padding:16px 18px;background:rgba(0,40,104,.03);border:1px solid rgba(0,40,104,.10);border-radius:12px}
.ex-verdict--warn{background:rgba(230,126,34,.04);border-color:rgba(230,126,34,.18)}
.ex-verdict h4{font:700 14px Montserrat,sans-serif;color:#002868;margin:0 0 8px}
.ex-verdict--warn h4{color:#D35400}
.ex-verdict p{font-size:13px;color:#5F6368;margin:0;line-height:1.65}
.ex-verdict p strong{color:#1D1D1F}

/* Patterns Section */
.ex-patterns{margin-top:32px;padding:24px;background:linear-gradient(135deg,#f8fafd 0%,#f0f4f9 100%);border:1px solid #E0E4E8;border-radius:18px}
.ex-patterns-title{font:800 clamp(18px,2.4vw,24px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 18px;text-align:center}
.ex-patterns-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px}
.ex-pattern{background:#fff;border:1px solid #E0E4E8;border-radius:12px;padding:16px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.ex-pattern-icon{font-size:22px;margin-bottom:8px}
.ex-pattern h4{font:700 13px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px}
.ex-pattern p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.55}

/* ============ RESPONSIVE ============ */
@media(max-width:768px){
  .ex-sec{padding:0 10px}
  .ex-card-head,.ex-card-body{padding-left:14px;padding-right:14px}
  .ex-card-head{padding-top:18px}
  .ex-card-body{padding-bottom:18px}
  .ex-specs{grid-template-columns:1fr}
  .ex-res-grid{grid-template-columns:1fr}
  .ex-patterns-grid{grid-template-columns:1fr}
  .ex-patterns{padding:18px 14px}
  .ex-assume-grid{flex-direction:column;gap:6px}
  .ex-card-num{width:30px;height:30px;font-size:14px;top:12px;right:12px}
}
@media(max-width:400px){
  .ex-card-title{font-size:16px}
  .ex-card-head{padding-top:14px;padding-bottom:14px}
  .ex-res-winner{flex-direction:column;align-items:flex-start;gap:8px}
  .ex-res-metric{padding:10px}
  .ex-verdict{padding:12px}
  .ex-pattern{padding:12px}
}

/* ============================================================
   5 PRO / EXPERT TIPS
   Kadence palette · Mobile-first
   ============================================================ */
.tip-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* Header */
.tip-header{text-align:center;margin-bottom:28px}
.tip-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.tip-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.tip-title{font:800 clamp(22px,3.4vw,36px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.tip-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* Tip Card */
.tip-card{background:#fff;border:1px solid #E0E4E8;border-radius:20px;margin-bottom:24px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.tip-card-top{display:flex;align-items:center;gap:12px;padding:20px 24px 0}
.tip-num{font:900 clamp(22px,3vw,32px)/1 Montserrat,sans-serif;color:rgba(0,40,104,.12);letter-spacing:-.02em}
.tip-badge{font:700 10px Montserrat,sans-serif;padding:4px 10px;border-radius:5px;text-transform:uppercase;letter-spacing:.06em}
.tip-badge--critical{background:rgba(191,10,48,.08);color:#BF0A30}
.tip-badge--strategy{background:rgba(0,40,104,.08);color:#002868}
.tip-badge--money{background:rgba(0,135,90,.08);color:#00875A}
.tip-badge--credit{background:rgba(230,126,34,.08);color:#D35400}
.tip-badge--advanced{background:rgba(106,27,154,.08);color:#6A1B9A}
.tip-card-title{font:800 clamp(16px,2.2vw,22px)/1.25 Montserrat,sans-serif;color:#1D1D1F;margin:0;padding:12px 24px 0}
.tip-card-body{padding:16px 24px 24px}
.tip-card-body>p{font-size:14px;margin:0 0 16px;color:#5F6368}
.tip-card-body>p strong{color:#1D1D1F}

/* Action Box */
.tip-action{display:flex;gap:12px;padding:14px 16px;background:rgba(0,135,90,.04);border:1px solid rgba(0,135,90,.15);border-radius:10px;margin-top:16px;align-items:flex-start}
.tip-action-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.tip-action div{font-size:13px;color:#5F6368;line-height:1.6}
.tip-action strong{color:#00875A;display:block;margin-bottom:2px}

/* Scenario Grid (Tip 1) */
.tip-scenario{margin:16px 0;padding:18px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px}
.tip-scenario-head{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:12px}
.tip-scenario-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(200px,100%),1fr));gap:10px}
.tip-scenario-item{padding:14px;border-radius:10px;border:1px solid #E0E4E8;background:#fff}
.tip-scenario-item--bad{border-color:rgba(191,10,48,.2);background:rgba(191,10,48,.03)}
.tip-scenario-item--good{border-color:rgba(0,135,90,.2);background:rgba(0,135,90,.03)}
.tip-scenario-item--highlight{border-color:rgba(230,126,34,.2);background:rgba(230,126,34,.03)}
.tip-scenario-label{font:700 11px Montserrat,sans-serif;color:#5F6368;text-transform:uppercase;letter-spacing:.04em;margin-bottom:6px}
.tip-scenario-val{font:800 clamp(16px,2vw,22px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin-bottom:4px}
.tip-scenario-item--bad .tip-scenario-val{color:#BF0A30}
.tip-scenario-item--good .tip-scenario-val{color:#00875A}
.tip-scenario-item--highlight .tip-scenario-val{color:#D35400}
.tip-scenario-note{font-size:11.5px;color:#5F6368}

/* Two-Card System (Tip 2) */
.tip-two-card{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(280px,100%),1fr));gap:14px;margin:16px 0}
.tip-two-card-item{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:14px;padding:18px;overflow:hidden}
.tip-two-card-badge{display:inline-block;font:700 10px Montserrat,sans-serif;padding:3px 10px;border-radius:4px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}
.tip-two-card-badge--primary{background:rgba(0,40,104,.08);color:#002868}
.tip-two-card-badge--secondary{background:rgba(0,135,90,.08);color:#00875A}
.tip-two-card-item h4{font:700 15px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 12px}
.tip-two-card-specs{margin-bottom:12px}
.tip-spec-row{display:flex;justify-content:space-between;align-items:center;padding:5px 0;font-size:12.5px;border-bottom:1px solid #e8eaed}
.tip-spec-row:last-child{border-bottom:none}
.tip-spec-row span{color:#5F6368}
.tip-spec-row strong{color:#1D1D1F;text-align:right;font-weight:700}
.tip-two-card-examples{font-size:12px;color:#5F6368;background:rgba(0,40,104,.03);padding:8px 10px;border-radius:6px;line-height:1.5}
.tip-two-card-examples strong{color:#002868}

/* Break-Even (Tip 3) */
.tip-breakeven{margin:16px 0;padding:18px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px}
.tip-breakeven-head{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:14px}
.tip-breakeven-steps{display:flex;flex-direction:column;gap:10px}
.tip-be-step{display:flex;gap:12px;align-items:flex-start}
.tip-be-num{flex-shrink:0;width:26px;height:26px;background:#002868;color:#FCD34D;border-radius:7px;display:flex;align-items:center;justify-content:center;font:800 12px Montserrat,sans-serif}
.tip-be-text{font-size:13px;color:#5F6368;line-height:1.6}
.tip-be-text strong{color:#1D1D1F}

.tip-realworld{margin:16px 0;padding:18px;background:linear-gradient(135deg,#0f2540,#1a3a5c);border-radius:12px;color:#fff}
.tip-realworld h4{font:700 14px Montserrat,sans-serif;color:#FCD34D;margin:0 0 14px}
.tip-rw-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(140px,100%),1fr));gap:8px}
.tip-rw-item{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:12px;text-align:center}
.tip-rw-store{font:700 12px Montserrat,sans-serif;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.04em;margin-bottom:4px}
.tip-rw-val{font:800 clamp(16px,2vw,22px)/1.2 Montserrat,sans-serif;color:#fff;margin-bottom:4px}
.tip-rw-note{font-size:10.5px;color:rgba(255,255,255,.55);line-height:1.4}

/* Utilization Visual (Tip 4) */
.tip-util-visual{margin:16px 0;padding:18px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px}
.tip-util-header{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:14px}
.tip-util-zones{display:flex;flex-direction:column;gap:10px}
.tip-util-zone{padding:12px 14px;border-radius:10px;border:1px solid #E0E4E8;background:#fff}
.tip-util-zone--green{border-left:4px solid #00875A}
.tip-util-zone--blue{border-left:4px solid #002868}
.tip-util-zone--orange{border-left:4px solid #E67E22}
.tip-util-zone--red{border-left:4px solid #BF0A30}
.tip-util-pct{font:800 16px Montserrat,sans-serif;color:#1D1D1F;display:inline}
.tip-util-label{font:700 12px Montserrat,sans-serif;display:inline;margin-left:8px}
.tip-util-zone--green .tip-util-label{color:#00875A}
.tip-util-zone--blue .tip-util-label{color:#002868}
.tip-util-zone--orange .tip-util-label{color:#E67E22}
.tip-util-zone--red .tip-util-label{color:#BF0A30}
.tip-util-bar{height:8px;background:#E0E4E8;border-radius:999px;margin:8px 0;overflow:hidden}
.tip-util-bar span{display:block;height:100%;border-radius:999px}
.tip-util-zone--green .tip-util-bar span{background:#00875A}
.tip-util-zone--blue .tip-util-bar span{background:#002868}
.tip-util-zone--orange .tip-util-bar span{background:#E67E22}
.tip-util-zone--red .tip-util-bar span{background:#BF0A30}
.tip-util-zone p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.5}

/* Tactics (Tip 4) */
.tip-util-tactics{margin:16px 0}
.tip-util-tactics h4{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin:0 0 12px}
.tip-tactics-grid{display:flex;flex-direction:column;gap:10px}
.tip-tactic{display:flex;gap:12px;align-items:flex-start;padding:14px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:10px}
.tip-tactic-num{flex-shrink:0;width:26px;height:26px;background:#002868;color:#FCD34D;border-radius:7px;display:flex;align-items:center;justify-content:center;font:800 12px Montserrat,sans-serif}
.tip-tactic strong{display:block;font:700 13px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:4px}
.tip-tactic p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.5}

/* Deadline System (Tip 5) */
.tip-deadline-system{margin:16px 0;padding:18px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px}
.tip-deadline-head{font:700 14px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:14px}
.tip-deadline-grid{display:flex;flex-direction:column;gap:10px}
.tip-dl-step{display:flex;gap:12px;align-items:flex-start}
.tip-dl-icon{font-size:20px;flex-shrink:0;margin-top:2px}
.tip-dl-body strong{display:block;font:700 13px Montserrat,sans-serif;color:#1D1D1F;margin-bottom:4px}
.tip-dl-body p{font-size:12.5px;color:#5F6368;margin:0;line-height:1.5}

/* Penalty Box (Tip 5) */
.tip-penalty-box{margin:16px 0;padding:18px;background:rgba(191,10,48,.03);border:1px solid rgba(191,10,48,.15);border-radius:12px}
.tip-penalty-head{font:700 14px Montserrat,sans-serif;color:#BF0A30;margin-bottom:14px}
.tip-penalty-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(160px,100%),1fr));gap:10px;margin-bottom:12px}
.tip-penalty-item{background:#fff;border:1px solid rgba(191,10,48,.12);border-radius:10px;padding:12px;text-align:center}
.tip-penalty-label{font:700 12px Montserrat,sans-serif;color:#5F6368;margin-bottom:4px}
.tip-penalty-val{font:800 clamp(16px,2vw,22px)/1.2 Montserrat,sans-serif;color:#BF0A30;margin-bottom:2px}
.tip-penalty-note{font-size:11px;color:#5F6368}
.tip-penalty-footer{font-size:13px;color:#5F6368;margin:0;line-height:1.6}
.tip-penalty-footer strong{color:#1D1D1F}

/* Bottom CTA */
.tip-cta{margin-top:28px}
.tip-cta-inner{background:linear-gradient(135deg,#0f2540,#1a3a5c);border-radius:16px;padding:28px 24px;text-align:center;color:#fff}
.tip-cta-inner h3{font:800 clamp(18px,2.4vw,24px)/1.2 Montserrat,sans-serif;color:#fff;margin:0 0 10px}
.tip-cta-inner p{font-size:14px;color:rgba(255,255,255,.75);max-width:640px;margin:0 auto 18px}
.tip-cta-btn{display:inline-flex;align-items:center;gap:6px;background:#BF0A30;color:#fff;font:700 14px Montserrat,sans-serif;padding:14px 28px;border-radius:10px;text-decoration:none;transition:.2s}
.tip-cta-btn:hover{background:#9B0826}

/* ============ RESPONSIVE ============ */
@media(max-width:768px){
  .tip-sec{padding:0 10px}
  .tip-card-top,.tip-card-title,.tip-card-body{padding-left:14px;padding-right:14px}
  .tip-card-top{padding-top:16px}
  .tip-card-body{padding-bottom:18px}
  .tip-two-card{grid-template-columns:1fr}
  .tip-scenario-grid{grid-template-columns:1fr}
  .tip-rw-grid{grid-template-columns:repeat(2,1fr)}
  .tip-penalty-grid{grid-template-columns:1fr}
  .tip-cta-inner{padding:22px 16px}
}
@media(max-width:400px){
  .tip-card-title{font-size:16px}
  .tip-num{font-size:22px}
  .tip-rw-grid{grid-template-columns:1fr 1fr}
  .tip-action{flex-direction:column;gap:8px}
  .tip-tactic{flex-direction:column;gap:6px}
  .tip-dl-step{flex-direction:column;gap:6px}
  .tip-be-step{flex-direction:column;gap:6px}
}

/* ── Base ── */
.faq-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* ── Header ── */
.faq-header{text-align:center;margin-bottom:24px}
.faq-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.faq-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.faq-title{font:800 clamp(22px,3.4vw,36px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.faq-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* ── Category Tabs ── */
.faq-cats{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:24px;padding:0 4px}
.faq-cat{font:600 12.5px/1 Montserrat,sans-serif;padding:8px 14px;border-radius:8px;border:1.5px solid #E0E4E8;background:#fff;color:#5F6368;cursor:pointer;transition:.2s;white-space:nowrap}
.faq-cat:hover{border-color:#002868;color:#002868}
.faq-cat--active{background:#002868;color:#fff;border-color:#002868}
.faq-cat-count{font-weight:800;margin-left:4px;opacity:.7}

/* ── FAQ Accordion ── */
.faq-list{display:flex;flex-direction:column;gap:8px}
.faq-item{border:1px solid #E0E4E8;border-radius:14px;overflow:hidden;background:#fff;transition:box-shadow .25s}
.faq-item:hover{box-shadow:0 2px 8px rgba(0,40,104,.06)}
.faq-item.faq-item--hidden{display:none}

/* Question button */
.faq-q{display:flex;align-items:flex-start;gap:12px;width:100%;text-align:left;padding:16px 18px;font:600 14.5px/1.4 Montserrat,sans-serif;color:#1D1D1F;cursor:pointer;border:none;background:none;transition:background .2s}
.faq-q:hover{background:rgba(0,40,104,.02)}
.faq-q-num{flex-shrink:0;width:28px;height:28px;display:flex;align-items:center;justify-content:center;background:rgba(0,40,104,.06);color:#002868;border-radius:7px;font:800 11px Montserrat,sans-serif;margin-top:1px}
.faq-q-text{flex:1}
.faq-q-icon{flex-shrink:0;width:28px;height:28px;display:flex;align-items:center;justify-content:center;border-radius:6px;background:rgba(0,40,104,.04);transition:transform .3s ease,background .2s;margin-top:1px}
.faq-q[aria-expanded="true"] .faq-q-icon{transform:rotate(180deg);background:rgba(0,40,104,.1)}

/* Answer panel */
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s cubic-bezier(.4,0,.2,1),padding .3s;padding:0 18px 0 58px}
.faq-item--open .faq-a{max-height:800px;padding:0 18px 18px 58px}
.faq-a p{font-size:14px;color:#5F6368;margin:0 0 10px;line-height:1.7}
.faq-a p:last-child{margin-bottom:0}
.faq-a strong{color:#1D1D1F}
.faq-a em{color:#002868;font-style:normal;font-weight:600}

/* ── Responsive ── */
@media(max-width:768px){
  .faq-sec{padding:0 10px}
  .faq-q{padding:14px 12px;font-size:13.5px;gap:10px}
  .faq-a{padding-left:12px !important;padding-right:12px !important}
  .faq-item--open .faq-a{padding-left:12px;padding-right:12px}
  .faq-q-num{width:24px;height:24px;font-size:10px}
  .faq-q-icon{width:24px;height:24px}
  .faq-cats{gap:5px;justify-content:flex-start;overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;scrollbar-width:none;padding-bottom:4px}
  .faq-cats::-webkit-scrollbar{display:none}
  .faq-cat{padding:7px 12px;font-size:11.5px}
}
@media(max-width:400px){
  .faq-q{font-size:13px;gap:8px;padding:12px 10px}
  .faq-a p{font-size:13px}
}

/* ── Base ── */
.rc-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* ── Header ── */
.rc-header{text-align:center;margin-bottom:24px}
.rc-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(0,40,104,.06);color:#002868;padding:6px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
.rc-dot{width:8px;height:8px;background:#002868;border-radius:50%;display:inline-block}
.rc-title{font:800 clamp(22px,3.4vw,36px)/1.15 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 14px}
.rc-lead{font-size:15px;max-width:860px;margin:0 auto;color:#5F6368}

/* ── Category Nav ── */
.rc-nav{display:flex;flex-wrap:wrap;gap:6px;justify-content:center;margin-bottom:22px;padding:0 4px}
.rc-nav-btn{font:600 12.5px/1 Montserrat,sans-serif;padding:8px 14px;border-radius:8px;border:1.5px solid #E0E4E8;background:#fff;color:#5F6368;cursor:pointer;transition:.2s;white-space:nowrap}
.rc-nav-btn:hover{border-color:#002868;color:#002868}
.rc-nav-btn--active{background:#002868;color:#fff;border-color:#002868}

/* ── Grid ── */
.rc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(320px,100%),1fr));gap:12px}

/* ── Card ── */
.rc-card{display:flex;align-items:flex-start;gap:14px;padding:16px 18px;background:#fff;border:1px solid #E0E4E8;border-radius:14px;text-decoration:none;color:inherit;transition:box-shadow .25s,border-color .25s,transform .2s;position:relative}
.rc-card:hover{border-color:#002868;box-shadow:0 4px 16px rgba(0,40,104,.1);transform:translateY(-2px)}
.rc-card.rc-card--hidden{display:none}

/* Icon */
.rc-card-icon{flex-shrink:0;width:44px;height:44px;display:flex;align-items:center;justify-content:center;border-radius:11px}
.rc-icon--credit{background:rgba(0,40,104,.06);color:#002868}
.rc-icon--debt{background:rgba(191,10,48,.06);color:#BF0A30}
.rc-icon--budget{background:rgba(0,135,90,.06);color:#00875A}
.rc-icon--loans{background:rgba(230,126,34,.06);color:#D35400}

/* Body */
.rc-card-body{flex:1;min-width:0}
.rc-card-body h3{font:700 14px/1.3 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.rc-card-body p{font-size:12.5px;color:#5F6368;margin:0 0 8px;line-height:1.55;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.rc-tag{display:inline-block;font:700 9.5px Montserrat,sans-serif;padding:3px 8px;border-radius:4px;text-transform:uppercase;letter-spacing:.05em;background:rgba(0,40,104,.05);color:#002868}

/* Arrow */
.rc-arrow{flex-shrink:0;font-size:18px;color:#002868;opacity:.3;transition:opacity .2s,transform .2s;margin-top:10px}
.rc-card:hover .rc-arrow{opacity:1;transform:translateX(3px)}

/* ── Browse CTA ── */
.rc-cta{text-align:center;margin-top:24px}
.rc-cta-btn{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#0f2540,#1a3a5c);color:#fff;font:700 14px Montserrat,sans-serif;padding:14px 28px;border-radius:10px;text-decoration:none;transition:.25s}
.rc-cta-btn:hover{background:linear-gradient(135deg,#0a1a30,#142e4a);transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,40,104,.2)}
.rc-cta-btn svg{transition:transform .2s}
.rc-cta-btn:hover svg{transform:translateX(3px)}

/* ── Responsive ── */
@media(max-width:768px){
  .rc-sec{padding:0 10px}
  .rc-grid{grid-template-columns:1fr;gap:10px}
  .rc-nav{gap:5px;justify-content:flex-start;overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;scrollbar-width:none;padding-bottom:4px}
  .rc-nav::-webkit-scrollbar{display:none}
  .rc-nav-btn{padding:7px 12px;font-size:11.5px}
  .rc-card{padding:14px;gap:12px}
  .rc-card-icon{width:38px;height:38px}
  .rc-card-icon svg{width:20px;height:20px}
  .rc-card-body h3{font-size:13.5px}
  .rc-cta-btn{padding:12px 22px;font-size:13px;width:100%;justify-content:center}
}
@media(max-width:400px){
  .rc-card-body p{font-size:12px;-webkit-line-clamp:3}
  .rc-arrow{display:none}
}


/* ── Base ── */
.ld-sec{max-width:1280px;margin:40px auto 0;padding:0 16px;font-family:Inter,sans-serif;color:#5F6368;line-height:1.65}

/* ── Blocks ── */
.ld-block{margin-bottom:24px;border:1px solid #E0E4E8;border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 1px 4px rgba(0,40,104,.06)}
.ld-block-head{display:flex;align-items:center;gap:12px;padding:18px 22px;border-bottom:1px solid #E0E4E8}
.ld-block-icon{width:40px;height:40px;display:flex;align-items:center;justify-content:center;border-radius:10px;flex-shrink:0}
.ld-icon--transparency{background:rgba(0,40,104,.06);color:#002868}
.ld-icon--legal{background:rgba(191,10,48,.06);color:#BF0A30}
.ld-icon--gov{background:rgba(0,135,90,.06);color:#00875A}
.ld-block-title{font:800 clamp(17px,2.2vw,22px)/1.2 Montserrat,sans-serif;color:#1D1D1F;margin:0}
.ld-block-body{padding:20px 22px}

/* ── Transparency Grid ── */
.ld-trans-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(320px,100%),1fr));gap:14px}
.ld-trans-item{background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;padding:18px;transition:box-shadow .2s}
.ld-trans-item:hover{box-shadow:0 2px 10px rgba(0,40,104,.07)}
.ld-trans-icon{font-size:22px;margin-bottom:8px}
.ld-trans-item h3{font:700 14px/1.3 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 8px}
.ld-trans-item p{font-size:13px;color:#5F6368;margin:0;line-height:1.65}
.ld-trans-item a{color:#002868;text-decoration:underline;text-underline-offset:2px}
.ld-trans-item a:hover{color:#BF0A30}
.ld-trans-item strong{color:#1D1D1F}

/* ── Legal Cards ── */
.ld-legal-card{display:flex;gap:14px;align-items:flex-start;padding:16px;border:1px solid #E0E4E8;border-radius:12px;margin-bottom:12px;background:#F7F9FC;transition:box-shadow .2s}
.ld-legal-card:last-child{margin-bottom:0}
.ld-legal-card--warning{background:rgba(191,10,48,.03);border-color:rgba(191,10,48,.15)}
.ld-legal-card:hover{box-shadow:0 2px 8px rgba(0,40,104,.06)}
.ld-legal-marker{font-size:20px;flex-shrink:0;margin-top:2px}
.ld-legal-content h3{font:700 14px/1.3 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.ld-legal-content p{font-size:13px;color:#5F6368;margin:0;line-height:1.65}
.ld-legal-content a{color:#002868;text-decoration:underline;text-underline-offset:2px}
.ld-legal-content a:hover{color:#BF0A30}
.ld-legal-content strong{color:#1D1D1F}

/* ── Gov Resources Grid ── */
.ld-gov-intro{font-size:14px;color:#5F6368;margin:0 0 16px;line-height:1.65}
.ld-gov-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(300px,100%),1fr));gap:12px}
.ld-gov-card{display:block;padding:16px;background:#F7F9FC;border:1px solid #E0E4E8;border-radius:12px;text-decoration:none;color:inherit;transition:border-color .25s,box-shadow .25s,transform .2s}
.ld-gov-card:hover{border-color:#00875A;box-shadow:0 4px 14px rgba(0,135,90,.1);transform:translateY(-2px)}
.ld-gov-badge{display:inline-block;font:800 10px Montserrat,sans-serif;padding:3px 8px;border-radius:4px;text-transform:uppercase;letter-spacing:.06em;background:rgba(0,135,90,.08);color:#00875A;margin-bottom:8px}
.ld-gov-card h3{font:700 13.5px/1.3 Montserrat,sans-serif;color:#1D1D1F;margin:0 0 6px}
.ld-gov-card p{font-size:12.5px;color:#5F6368;margin:0 0 8px;line-height:1.55}
.ld-gov-url{display:inline-flex;align-items:center;gap:4px;font:600 11px Montserrat,sans-serif;color:#00875A;text-transform:lowercase}

/* ── Site Links ── */
.ld-site-links{display:flex;flex-wrap:wrap;justify-content:center;gap:6px;padding:16px;margin-top:4px}
.ld-site-links a{font:600 12.5px/1 Montserrat,sans-serif;color:#002868;text-decoration:none;transition:.2s}
.ld-site-links a:hover{color:#BF0A30;text-decoration:underline}
.ld-link-sep{color:#ccc;font-size:12px}

/* ── Copyright ── */
.ld-copyright{text-align:center;padding:16px;margin-top:4px}
.ld-copyright p{font-size:12px;color:#9CA3AF;margin:0 0 4px;line-height:1.5}
.ld-copyright p:last-child{margin:0}

/* ── Responsive ── */
@media(max-width:768px){
  .ld-sec{padding:0 10px}
  .ld-block-head{padding:14px 14px;gap:10px}
  .ld-block-icon{width:34px;height:34px}
  .ld-block-icon svg{width:18px;height:18px}
  .ld-block-body{padding:14px}
  .ld-trans-grid{grid-template-columns:1fr}
  .ld-gov-grid{grid-template-columns:1fr}
  .ld-legal-card{flex-direction:column;gap:6px;padding:14px}
  .ld-site-links{gap:4px}
  .ld-site-links a{font-size:11.5px}
}
@media(max-width:400px){
  .ld-block-title{font-size:16px}
  .ld-trans-item{padding:14px}
  .ld-trans-item h3{font-size:13px}
  .ld-gov-card{padding:14px}
  .ld-gov-card h3{font-size:13px}
}
/* ============================================================
   MASTER MOBILE FIX: GRID OVERFLOW KILLER
   ============================================================ */
@media screen and (max-width: 768px) {
  /* 1. Stop horizontal scroll on the document */
  html, body {
    overflow-x: hidden !important;
  }
  
  /* 2. Force CSS Grid children to shrink inside the viewport */
  .grid, 
  .grid > * {
    min-width: 0 !important;
    max-width: 100vw !important;
  }

  /* 3. Lock the main wrappers to screen width */
  .wrap, .card {
    width: 100% !important;
    max-width: 100% !important;
    box-sizing: border-box !important;
  }
  
  /* 4. Ensure the table wrapper handles the scrolling smoothly */
  .table-scroll {
    display: block !important;
    width: 100% !important;
    max-width: 100% !important;
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch !important;
  }
}