:root {
  --navy: #002868; --navy-mid: #003580; --navy-dark: #00183F;
  --red: #BF0A30; --green: #00875A; --green-h: #006644;
  --text: #1D1D1F; --muted: #5F6368; --border: #E0E4E8;
  --bg: #F7F9FC; --card: #FFFFFF;
  --shadow-sm: 0 1px 4px rgba(0,40,104,0.08);
  --shadow-md: 0 4px 20px rgba(0,40,104,0.12);
  --r: 12px;
  /* fund colors */
  --vanguard: #CC0000; --fidelity: #005A8B; --schwab: #00A0C7;
  --troweprice: #6D2077; --blackrock: #000000; --custom: #E87722;
}
*,*::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(--muted);background:var(--bg);-webkit-font-smoothing:antialiased;line-height:1.6;}

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

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 55%,#003d8c 100%);padding:42px 40px 36px;position:relative;overflow:hidden;}
.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;}
.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;}
.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;}
.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:.5px;}
.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}}
.hero h1{font-family:'Montserrat',sans-serif;font-size:clamp(22px,3vw,32px);font-weight:800;color:#fff;line-height:1.15;letter-spacing:-.5px;margin-bottom:10px;}
.hero h1 em{font-style:normal;color:transparent;background:linear-gradient(90deg,#ff6b8a,var(--red));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.hero-sub{font-size:14px;color:rgba(255,255,255,0.70);line-height:1.6;max-width:560px;}
.hero-stats{display:flex;gap:28px;margin-top:18px;flex-wrap:wrap;}
.hs{display:flex;flex-direction:column;}
.hs-num{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:#fff;line-height:1;}
.hs-num span{color:var(--red);}
.hs-lbl{font-size:11px;color:rgba(255,255,255,0.45);margin-top:3px;}
.hero-pills{display:flex;flex-direction:column;gap:8px;align-items:flex-end;}
.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 .5s ease both;}
.pill span{color:#4ade80;font-size:13px;}
@keyframes floatUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
.pill:nth-child(1){animation-delay:.1s}.pill:nth-child(2){animation-delay:.2s}.pill:nth-child(3){animation-delay:.3s}.pill:nth-child(4){animation-delay:.4s}.pill:nth-child(5){animation-delay:.5s}.pill:nth-child(6){animation-delay:.6s}



/* TABS */
.tabs{display:flex;gap:4px;margin-bottom:24px;background:var(--card);border:1px solid var(--border);border-radius:10px;padding:5px;width:fit-content;box-shadow:var(--shadow-sm);}
.tab{padding:9px 18px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;border-radius:7px;cursor:pointer;border:none;color:var(--muted);background:transparent;transition:all .2s;}
.tab.active{background:var(--navy);color:#fff;box-shadow:0 2px 8px rgba(0,40,104,.25);}
.tab:not(.active):hover{background:var(--bg);color:var(--navy);}

/* GRID */
.grid{display:grid;grid-template-columns:380px 1fr;gap:24px;align-items:start;}
@media(max-width:900px){.grid{grid-template-columns:1fr;}}

/* INPUT PANEL */
.ipanel{background:var(--card);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow-sm);}
.phead{background:var(--navy);padding:14px 22px;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:#fff;display:flex;align-items:center;gap:8px;}
.pbody{padding:18px 22px;display:flex;flex-direction:column;gap:0;}
.sec-title{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:var(--red);text-transform:uppercase;letter-spacing:1.2px;margin-bottom:10px;padding-bottom:5px;border-bottom:2px solid var(--border);}
.sec{margin-bottom:10px;}
.ig{margin-bottom:12px;}
.ig label{display:flex;justify-content:space-between;align-items:center;font-size:12px;font-weight:600;color:var(--text);margin-bottom:5px;}
.ig label .hint{font-size:11px;font-weight:400;color:var(--muted);}
.iw{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:8px;background:var(--bg);overflow:hidden;transition:border-color .2s,box-shadow .2s;}
.iw:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.08);background:var(--card);}
.iw .px,.iw .sx{padding:0 9px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--muted);background:var(--border);height:100%;display:flex;align-items:center;white-space:nowrap;flex-shrink:0;}
.iw input,.iw select{flex:1;border:none;background:transparent;outline:none;font-family:'Inter',sans-serif;font-size:13.5px;color:var(--text);padding:9px 11px;min-width:0;}
.iw select{cursor:pointer;}

/* FUND CHECKBOXES */
.fund-checks{display:flex;flex-direction:column;gap:7px;margin-bottom:12px;}
.fund-check{display:flex;align-items:center;gap:10px;padding:8px 11px;border-radius:8px;border:1.5px solid var(--border);background:var(--bg);cursor:pointer;transition:all .2s;}
.fund-check:hover{border-color:var(--navy);background:var(--card);}
.fund-check.checked{border-color:var(--fc,var(--navy));background:rgba(0,0,0,0.02);}
.fund-check input[type=checkbox]{width:15px;height:15px;accent-color:var(--fc,var(--navy));cursor:pointer;}
.fund-dot{width:10px;height:10px;border-radius:50%;background:var(--fc,var(--navy));flex-shrink:0;}
.fund-name{font-size:12.5px;font-weight:600;color:var(--text);flex:1;}
.fund-er{font-size:11px;color:var(--muted);font-weight:400;}

/* TOGGLE */
.tog-row{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px;padding:9px 12px;background:var(--bg);border-radius:8px;border:1px solid var(--border);}
.tog-label{font-size:12px;font-weight:600;color:var(--text);}
.tog-sub{font-size:11px;color:var(--muted);margin-top:1px;}
.tog{position:relative;width:40px;height:22px;flex-shrink:0;margin-left:10px;}
.tog input{opacity:0;width:0;height:0;position:absolute;}
.togslide{position:absolute;inset:0;background:var(--border);border-radius:22px;cursor:pointer;transition:background .2s;}
.togslide::before{content:'';position:absolute;width:16px;height:16px;left:3px;top:3px;background:#fff;border-radius:50%;transition:transform .2s;box-shadow:0 1px 3px rgba(0,0,0,.2);}
.tog input:checked + .togslide{background:var(--green);}
.tog input:checked + .togslide::before{transform:translateX(18px);}

/* ACTIONS */
.actions{display:flex;flex-direction:column;gap:8px;margin-top:8px;padding-top:14px;border-top:1px solid var(--border);}
.btn-calc{display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;border:none;border-radius:9px;cursor:pointer;font-family:'Montserrat',sans-serif;font-weight:800;font-size:13.5px;background:var(--green);color:#fff;box-shadow:0 4px 16px rgba(0,135,90,.30);transition:all .2s;}
.btn-calc:hover{background:var(--green-h);transform:translateY(-1px);}
.btn-row{display:flex;gap:8px;}
.btn-sec{flex:1;display:none;align-items:center;justify-content:center;gap:6px;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;cursor:pointer;font-family:'Montserrat',sans-serif;font-weight:700;font-size:12px;background:var(--card);color:var(--navy);transition:all .2s;}
.btn-sec:hover{background:var(--navy);color:#fff;border-color:var(--navy);}
.btn-sec.show{display:flex;}
.btn-wa{color:#25D366;border-color:#25D366;}
.btn-wa:hover{background:#25D366!important;color:#fff!important;border-color:#25D366!important;}

/* RESULTS */
.results{display:flex;flex-direction:column;gap:18px;}
.placeholder{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:56px 36px;text-align:center;box-shadow:var(--shadow-sm);}
.ph-icon{font-size:52px;margin-bottom:14px;}
.ph-title{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:700;color:var(--text);margin-bottom:7px;}
.ph-sub{font-size:13px;color:var(--muted);max-width:340px;margin:0 auto;}

/* KPI */
.kgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;}
@media(max-width:640px){.kgrid{grid-template-columns:repeat(2,1fr);}}
.kcard{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:16px 16px 12px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden;transition:box-shadow .2s,transform .2s;}
.kcard:hover{box-shadow:var(--shadow-md);transform:translateY(-2px);}
.kcard::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--kc,var(--navy));}
.klbl{font-size:10.5px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.8px;margin-bottom:6px;}
.kval{font-family:'Montserrat',sans-serif;font-size:19px;font-weight:800;color:var(--text);line-height:1;margin-bottom:4px;}
.ksub{font-size:11px;color:var(--muted);}
.kbadge{display:inline-block;font-size:10.5px;font-weight:700;padding:2px 7px;border-radius:8px;margin-top:3px;}
.pos{background:rgba(0,135,90,.10);color:var(--green);}
.neg{background:rgba(191,10,48,.10);color:var(--red);}
.neu{background:rgba(0,40,104,.08);color:var(--navy);}

/* ALERTS */
.alert{padding:11px 14px;border-radius:9px;font-size:12.5px;font-weight:500;display:flex;align-items:flex-start;gap:9px;line-height:1.5;}
.alert .ai{font-size:15px;flex-shrink:0;margin-top:1px;}
.alert.green{background:rgba(0,135,90,.08);border:1px solid rgba(0,135,90,.2);color:#065f46;}
.alert.red{background:rgba(191,10,48,.07);border:1px solid rgba(191,10,48,.18);color:#7f1d1d;}
.alert.blue{background:rgba(0,40,104,.07);border:1px solid rgba(0,40,104,.15);color:#1e3a5f;}
.alert.amber{background:rgba(232,119,34,.08);border:1px solid rgba(232,119,34,.22);color:#7c3a04;}

/* CHART CARD */
.ccard{background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:20px 22px;box-shadow:var(--shadow-sm);}
.ccard-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--text);margin-bottom:3px;}
.ccard-sub{font-size:12px;color:var(--muted);margin-bottom:16px;}
.cwrap{position:relative;width:100%;}

/* TABLE */
.tcard{background:var(--card);border:1px solid var(--border);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow-sm);}
.thead{padding:14px 20px;border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;}
.thead h3{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--text);}
.twrap{overflow-x:auto;}
table.dt{width:100%;border-collapse:collapse;font-size:12px;}
table.dt thead tr{background:var(--bg);}
table.dt th{padding:9px 13px;text-align:right;font-weight:700;color:var(--navy);font-size:10.5px;text-transform:uppercase;letter-spacing:.5px;white-space:nowrap;border-bottom:2px solid var(--border);}
table.dt th:first-child{text-align:left;}
table.dt td{padding:8px 13px;text-align:right;border-bottom:1px solid var(--border);color:var(--text);font-variant-numeric:tabular-nums;}
table.dt td:first-child{text-align:left;font-weight:600;color:var(--muted);}
table.dt tr:last-child td{border-bottom:none;}
table.dt tr:hover td{background:var(--bg);}
.tp{color:var(--green)!important;font-weight:700;}
.tn{color:var(--red)!important;font-weight:700;}
.tb{color:var(--navy)!important;font-weight:700;}
.retirement-row td{background:rgba(0,135,90,.05)!important;}
.retirement-row td:first-child{font-weight:800!important;color:var(--green)!important;}

/* FUND COLOR LEGEND */
.legend{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:12px;}
.leg-item{display:flex;align-items:center;gap:6px;font-size:11.5px;color:var(--text);font-weight:500;}
.leg-dot{width:12px;height:12px;border-radius:50%;}

/* GLIDE PATH VISUALIZATION SLIDER */
.gp-slider-wrap{margin:16px 0;}
.gp-slider-label{font-size:12px;font-weight:600;color:var(--text);margin-bottom:6px;display:flex;justify-content:space-between;}
.gp-slider{width:100%;accent-color:var(--navy);}
.gp-alloc-display{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px;}
.alloc-box{padding:10px 14px;border-radius:8px;text-align:center;}
.alloc-box.equity{background:rgba(0,40,104,.08);}
.alloc-box.bond{background:rgba(0,135,90,.08);}
.alloc-box .aval{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--text);}
.alloc-box .albl{font-size:11px;color:var(--muted);margin-top:2px;}

/* DISCLAIMER */
.disc{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:13px 17px;font-size:11px;color:var(--muted);line-height:1.6;margin-top:8px;}
.disc strong{color:var(--text);}

/* SCORE BADGE */
.score-badge{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;border-radius:20px;font-size:12px;font-weight:700;}
.score-a{background:rgba(0,135,90,.12);color:var(--green);}
.score-b{background:rgba(0,40,104,.10);color:var(--navy);}
.score-c{background:rgba(232,119,34,.12);color:#c05a00;}
.score-d{background:rgba(191,10,48,.10);color:var(--red);}

@media(max-width:600px){
  .hero{padding:26px 18px 22px;}
  .breadcrumb{padding:10px 18px;}
  .page{padding:18px 14px 40px;}
  .kgrid{grid-template-columns:1fr 1fr;}
  .hero-pills{display:none;}
  .pbody{padding:14px 14px;}
}


/* ── SECTION WRAPPER ── */
.edu-section {
  margin-top: 48px;
}

/* ── SECTION HEADING BLOCK ── */
.edu-head {
  text-align: center;
  margin-bottom: 36px;
}
.edu-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.18);
  color: var(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 12px;
}
.edu-head h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.8vw, 28px);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.3px;
  margin-bottom: 10px;
  line-height: 1.2;
}
.edu-head h2 em {
  font-style: normal;
  color: transparent;
  background: linear-gradient(90deg, var(--navy), #0050cc);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.edu-head p {
  font-size: 14px;
  color: var(--muted);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.7;
}
.edu-divider {
  width: 48px;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--red));
  border-radius: 4px;
  margin: 16px auto 36px;
}

/* ── WHAT IS TDF — TWO-COL INTRO ── */
.edu-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}
@media (max-width: 900px) {
  .edu-intro-grid { grid-template-columns: 1fr; }
}

.edu-text-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px 24px 20px;
  box-shadow: var(--shadow-sm);
}
.edu-text-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 15px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 10px;
}
.edu-text-card h3 span {
  font-size: 18px;
  margin-right: 6px;
}
.edu-text-card p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 10px;
}
.edu-text-card p:last-child { margin-bottom: 0; }
.edu-text-card p strong { color: var(--text); }

/* ── STAT HIGHLIGHT ROW ── */
.edu-stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
  margin-bottom: 28px;
}
@media (max-width: 900px) {
  .edu-stats-row { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .edu-stats-row { grid-template-columns: repeat(2, 1fr); }
}

.edu-stat {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 18px 16px 14px;
  box-shadow: var(--shadow-sm);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.edu-stat::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--es-c, var(--navy));
}
.edu-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 24px;
  font-weight: 800;
  color: var(--text);
  line-height: 1;
  margin-bottom: 4px;
}
.edu-stat-num span { color: var(--red); }
.edu-stat-lbl {
  font-size: 11.5px;
  color: var(--muted);
  line-height: 1.4;
}

/* ── GLIDE PATH VISUAL ── */
.edu-gp-visual {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 24px 24px 20px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 28px;
}
.edu-gp-visual h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 4px;
}
.edu-gp-visual .ccard-sub {
  margin-bottom: 20px;
}
.gp-bar-wrap {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.gp-bar-row {
  display: flex;
  align-items: center;
  gap: 10px;
}
.gp-bar-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  min-width: 70px;
  flex-shrink: 0;
  text-align: right;
}
.gp-bar-track {
  flex: 1;
  height: 26px;
  border-radius: 6px;
  overflow: hidden;
  display: flex;
  position: relative;
}
.gp-bar-eq {
  background: var(--navy);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-right: 7px;
  font-size: 11px;
  font-weight: 700;
  color: rgba(255,255,255,0.88);
  transition: width 0.4s ease;
  min-width: 28px;
}
.gp-bar-bd {
  background: var(--green);
  height: 100%;
  flex: 1;
  display: flex;
  align-items: center;
  padding-left: 7px;
  font-size: 11px;
  font-weight: 700;
  color: rgba(255,255,255,0.88);
}
.gp-bar-phase {
  font-size: 11px;
  color: var(--muted);
  min-width: 90px;
  flex-shrink: 0;
}

/* ── HOW IT WORKS — 3-STEP ── */
.edu-steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 28px;
}
@media (max-width: 900px) {
  .edu-steps-grid { grid-template-columns: 1fr; }
}

.edu-step-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 22px 20px 18px;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}
.edu-step-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--step-c, var(--navy));
}
.edu-step-num {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--step-c, var(--navy));
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
}
.edu-step-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 8px;
  line-height: 1.3;
}
.edu-step-card p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.7;
}
.edu-step-card p strong { color: var(--text); }

/* ── FUND FAMILY COMPARISON TABLE ── */
.edu-fund-table-wrap {
  margin-bottom: 28px;
}
.edu-fund-table-wrap h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 4px;
}
.edu-fund-table-wrap .ccard-sub {
  margin-bottom: 14px;
}

/* ── CONCEPTS — 2-COL CARDS ── */
.edu-concepts-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 28px;
}
@media (max-width: 900px) {
  .edu-concepts-grid { grid-template-columns: 1fr; }
}

.edu-concept-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 20px 20px 16px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.edu-concept-icon {
  font-size: 22px;
}
.edu-concept-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--text);
  line-height: 1.3;
}
.edu-concept-card p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.72;
}
.edu-concept-card p strong { color: var(--text); }

/* ── BULLET LIST INSIDE CARDS ── */
.edu-list {
  list-style: none;
  padding: 0;
  margin: 4px 0 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.edu-list li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}
.edu-list li::before {
  content: '▸';
  color: var(--navy);
  font-size: 11px;
  margin-top: 2px;
  flex-shrink: 0;
}
.edu-list li strong { color: var(--text); }

/* ── COMPARISON TABLE — TO vs FROM ── */
.edu-versus-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 28px;
}
@media (max-width: 640px) {
  .edu-versus-row { grid-template-columns: 1fr; }
}
.edu-versus-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 18px 18px 14px;
  box-shadow: var(--shadow-sm);
}
.edu-versus-card .evh {
  font-family: 'Montserrat', sans-serif;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 10px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--border);
}
.edu-versus-card.pro .evh { color: var(--green); border-color: var(--green); }
.edu-versus-card.con .evh { color: var(--red);   border-color: var(--red);   }

/* ── FORMULA CARD ── */
.edu-formula {
  background: rgba(0,40,104,0.04);
  border: 1px solid rgba(0,40,104,0.14);
  border-radius: 10px;
  padding: 16px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  color: var(--navy);
  font-weight: 700;
  text-align: center;
  margin: 10px 0;
  line-height: 1.7;
}
.edu-formula span {
  font-size: 11px;
  font-weight: 500;
  color: var(--muted);
  display: block;
  margin-top: 4px;
  font-family: 'Inter', sans-serif;
}

/* ── RESPONSIVE: 600px ── */
@media (max-width: 600px) {
  .edu-section { margin-top: 32px; }
  .edu-text-card, .edu-concept-card, .edu-step-card,
  .edu-gp-visual, .edu-versus-card { padding: 16px 14px 12px; }
  .gp-bar-phase { display: none; }
}


/* ── EXAMPLES SECTION WRAPPER ── */
.examples-section {
  margin-top: 44px;
}

.ex-head {
  text-align: center;
  margin-bottom: 32px;
}
.ex-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(0,135,90,0.11);
  border: 1px solid rgba(0,135,90,0.25);
  color: var(--green);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 12px;
}
.ex-head h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.7vw, 28px);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.3px;
  margin-bottom: 8px;
}
.ex-head h2 em {
  font-style: normal;
  color: transparent;
  background: linear-gradient(90deg, var(--green), #00a86b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.ex-head p {
  font-size: 14px;
  color: var(--muted);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}
.ex-divider {
  width: 52px;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--green));
  border-radius: 4px;
  margin: 18px auto 30px;
}

/* ── EXAMPLE CARD LAYOUT ── */
.ex-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  box-shadow: var(--shadow-sm);
  margin-bottom: 22px;
  overflow: hidden;
  position: relative;
}
.ex-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--ex-c, var(--navy));
}

.ex-card-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 1.1fr);
  gap: 0;
}
@media (max-width: 900px) {
  .ex-card-inner {
    grid-template-columns: 1fr;
  }
}

.ex-left {
  padding: 18px 20px 16px 22px;
  border-right: 1px solid var(--border);
}
@media (max-width: 900px) {
  .ex-left {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }
}

.ex-right {
  padding: 16px 18px 14px;
}

/* ── LEFT: PERSON + STORY ── */
.ex-person-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 8px;
}
.ex-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.9px;
  padding: 4px 10px;
  border-radius: 16px;
  background: rgba(0,40,104,0.05);
  color: var(--navy);
}
.ex-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--muted);
}
.ex-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 4px;
}
.ex-meta {
  font-size: 11.5px;
  color: var(--muted);
}
.ex-badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin: 10px 0 10px;
}
.ex-pill {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 9px;
  border-radius: 12px;
  font-size: 10.5px;
  font-weight: 700;
  background: rgba(0,40,104,0.06);
  color: var(--navy);
}
.ex-pill.green {
  background: rgba(0,135,90,0.09);
  color: var(--green);
}
.ex-pill.red {
  background: rgba(191,10,48,0.09);
  color: var(--red);
}

.ex-story p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 8px;
}
.ex-story p:last-child { margin-bottom: 0; }
.ex-story p strong { color: var(--text); }

/* ── RIGHT: MINI KPI GRID ── */
.ex-kgrid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
  margin-bottom: 10px;
}

.ex-kcard {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 9px 9px 7px;
}
.ex-klabel {
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: var(--muted);
  margin-bottom: 4px;
}
.ex-kvalue {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 2px;
}
.ex-knote {
  font-size: 11px;
  color: var(--muted);
}

/* ── RIGHT: ALERT + KEY TAKEAWAY ── */
.ex-alert {
  padding: 10px 11px;
  border-radius: 9px;
  font-size: 12px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin-bottom: 8px;
}
.ex-alert span.ai {
  font-size: 14px;
  flex-shrink: 0;
  margin-top: 1px;
}
.ex-alert.green {
  background: rgba(0,135,90,0.08);
  border: 1px solid rgba(0,135,90,0.2);
  color: #065f46;
}
.ex-alert.red {
  background: rgba(191,10,48,0.08);
  border: 1px solid rgba(191,10,48,0.2);
  color: #7f1d1d;
}
.ex-alert.blue {
  background: rgba(0,40,104,0.08);
  border: 1px solid rgba(0,40,104,0.18);
  color: #1e3a5f;
}

.ex-footer {
  border-top: 1px solid var(--border);
  padding: 9px 18px 9px 22px;
  background: var(--bg);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
}
.ex-footer-label {
  font-size: 11.5px;
  color: var(--muted);
}
.ex-footer-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

@media (max-width: 600px) {
  .ex-left { padding: 14px 14px 12px; }
  .ex-right { padding: 14px 14px 12px; }
  .ex-footer { padding: 9px 14px; }
}

/* ── TIPS SECTION WRAPPER ── */
.tips-section {
  margin-top: 44px;
}

.tips-head {
  text-align: center;
  margin-bottom: 30px;
}
.tips-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(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 12px;
}
.tips-head h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.7vw, 28px);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.3px;
  margin-bottom: 8px;
}
.tips-head h2 em {
  font-style: normal;
  color: transparent;
  background: linear-gradient(90deg, var(--green), #00a86b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.tips-head p {
  font-size: 14px;
  color: var(--muted);
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.7;
}
.tips-divider {
  width: 54px;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--green));
  border-radius: 4px;
  margin: 18px auto 28px;
}

/* ── TIP CARD LAYOUT ── */
.tip-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  box-shadow: var(--shadow-sm);
  margin-bottom: 22px;
  overflow: hidden;
  position: relative;
}
.tip-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--tip-c, var(--navy));
}

.tip-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 1.1fr);
}
@media (max-width: 900px) {
  .tip-inner { grid-template-columns: 1fr; }
}

.tip-left {
  padding: 18px 20px 16px 22px;
  border-right: 1px solid var(--border);
}
@media (max-width: 900px) {
  .tip-left {
    border-right: none;
    border-bottom: 1px solid var(--border);
  }
}
.tip-right {
  padding: 16px 18px 14px;
}

/* ── LEFT: LABEL + HEADLINE ── */
.tip-label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 8px;
}
.tip-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.9px;
  padding: 4px 10px;
  border-radius: 16px;
  background: rgba(0,135,90,0.09);
  color: var(--green);
}
.tip-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--muted);
}
.tip-left h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 14px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 6px;
  line-height: 1.3;
}
.tip-left h3 em {
  font-style: normal;
  color: var(--green);
}
.tip-sub {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.7;
}

/* ── RIGHT: BODY TEXT ── */
.tip-right p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 8px;
}
.tip-right p:last-child { margin-bottom: 0; }
.tip-right p strong { color: var(--text); }

/* ── MINI KPI ROW ── */
.tip-kgrid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 10px;
}
@media (max-width: 640px) {
  .tip-kgrid { grid-template-columns: repeat(2, 1fr); }
}
.tip-kcard {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 9px;
  padding: 9px 9px 7px;
}
.tip-klabel {
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  color: var(--muted);
  margin-bottom: 3px;
}
.tip-kvalue {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 2px;
}
.tip-knote {
  font-size: 11px;
  color: var(--muted);
}

/* ── CHECKLIST ── */
.tip-list {
  list-style: none;
  padding: 0;
  margin: 6px 0 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.tip-list li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}
.tip-list li::before {
  content: '▸';
  color: var(--navy);
  font-size: 11px;
  margin-top: 2px;
  flex-shrink: 0;
}
.tip-list li strong { color: var(--text); }

/* ── ALERT STRIP ── */
.tip-alert {
  margin-top: 8px;
  padding: 10px 11px;
  border-radius: 9px;
  font-size: 12px;
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.tip-alert .ai {
  font-size: 14px;
  flex-shrink: 0;
  margin-top: 1px;
}
.tip-alert.green {
  background: rgba(0,135,90,0.08);
  border: 1px solid rgba(0,135,90,0.2);
  color: #065f46;
}
.tip-alert.red {
  background: rgba(191,10,48,0.08);
  border: 1px solid rgba(191,10,48,0.2);
  color: #7f1d1d;
}
.tip-alert.blue {
  background: rgba(0,40,104,0.08);
  border: 1px solid rgba(0,40,104,0.18);
  color: #1e3a5f;
}
.tip-alert.amber {
  background: rgba(232,119,34,0.08);
  border: 1px solid rgba(232,119,34,0.22);
  color: #7c3a04;
}

/* ── FOOTER ROW ── */
.tip-footer {
  border-top: 1px solid var(--border);
  padding: 9px 18px 9px 22px;
  background: var(--bg);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
}
.tip-footer-label {
  font-size: 11.5px;
  color: var(--muted);
}
.tip-footer-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.tip-footer-pill {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 9px;
  border-radius: 12px;
  font-size: 10.5px;
  font-weight: 700;
  background: rgba(0,40,104,0.06);
  color: var(--navy);
}
.tip-footer-pill.green {
  background: rgba(0,135,90,0.09);
  color: var(--green);
}
.tip-footer-pill.red {
  background: rgba(191,10,48,0.09);
  color: var(--red);
}
.tip-footer-pill.purple {
  background: rgba(139,92,246,0.12);
  color: #6d28d9;
}

@media (max-width: 600px) {
  .tip-left { padding: 14px 14px 12px; }
  .tip-right { padding: 14px 14px 12px; }
  .tip-footer { padding: 9px 14px; }
}


/* ── FAQ SECTION WRAPPER ── */
.faq-section {
  margin-top: 44px;
}

.faq-head {
  text-align: center;
  margin-bottom: 30px;
}
.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(--navy);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
  margin-bottom: 12px;
}
.faq-head h2 {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(20px, 2.7vw, 28px);
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.3px;
  margin-bottom: 8px;
}
.faq-head h2 em {
  font-style: normal;
  color: transparent;
  background: linear-gradient(90deg, var(--navy), var(--green));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.faq-head p {
  font-size: 14px;
  color: var(--muted);
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.7;
}
.faq-divider {
  width: 54px;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--green));
  border-radius: 4px;
  margin: 18px auto 26px;
}

/* ── FAQ GRID ── */
.faq-grid {
  display: grid;
  grid-template-columns: minmax(0, 2.1fr) minmax(0, 1.1fr);
  gap: 22px;
}
@media (max-width: 900px) {
  .faq-grid {
    grid-template-columns: 1fr;
  }
}

/* ── ACCORDION ── */
.faq-accordion {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  box-shadow: var(--shadow-sm);
  padding: 6px 4px;
}

.faq-item {
  border-bottom: 1px solid var(--border);
}
.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: 11px 16px 11px 20px;
  cursor: pointer;
  transition: background 0.18s;
}
.faq-label:hover {
  background: var(--bg);
}
.faq-label-inner {
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.faq-q-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-top: 2px;
}
.faq-q-text {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--text);
  line-height: 1.45;
}
.faq-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  color: var(--muted);
  margin-top: 2px;
  flex-shrink: 0;
  transition: transform 0.18s, background 0.18s, color 0.18s, border-color 0.18s;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.24s ease;
  padding: 0 20px 0 34px;
}
.faq-answer-inner {
  padding-bottom: 12px;
}
.faq-answer p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 8px;
}
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer p strong { color: var(--text); }

.faq-answer ul {
  list-style: none;
  padding: 0;
  margin: 4px 0 4px;
}
.faq-answer ul li {
  display: flex;
  align-items: flex-start;
  gap: 7px;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}
.faq-answer ul li::before {
  content: '▸';
  color: var(--navy);
  font-size: 11px;
  margin-top: 2px;
  flex-shrink: 0;
}

.faq-toggle:checked + .faq-label {
  background: rgba(0,40,104,0.03);
}
.faq-toggle:checked + .faq-label .faq-icon {
  transform: rotate(90deg);
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.faq-toggle:checked ~ .faq-answer {
  max-height: 480px;
}

/* ── SIDEBAR CARDS ── */
.faq-sidebar {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 14px 16px 12px;
  box-shadow: var(--shadow-sm);
}
.faq-card h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 6px;
}
.faq-card p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.6;
}
.faq-card ul {
  list-style: none;
  padding: 0;
  margin: 6px 0 0;
}
.faq-card ul li {
  display: flex;
  align-items: flex-start;
  gap: 6px;
  font-size: 12px;
  color: var(--muted);
  line-height: 1.6;
}
.faq-card ul li::before {
  content: '✓';
  color: var(--green);
  font-size: 11px;
  margin-top: 1px;
  flex-shrink: 0;
}

.faq-highlight {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  border-radius: var(--r);
  padding: 16px 16px 14px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.faq-highlight::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 46px 46px;
}
.faq-highlight h3 {
  font-family: 'Montserrat', sans-serif;
  font-size: 13.5px;
  font-weight: 800;
  margin-bottom: 6px;
  position: relative;
  z-index: 1;
}
.faq-highlight p {
  font-size: 12.5px;
  line-height: 1.7;
  color: rgba(255,255,255,0.85);
  position: relative;
  z-index: 1;
}
.faq-highlight .fh-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Montserrat', sans-serif;
  font-size: 10.5px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 12px;
  margin-bottom: 8px;
  background: rgba(0,0,0,0.22);
  color: rgba(255,255,255,0.86);
  position: relative;
  z-index: 1;
}

@media (max-width: 600px) {
  .faq-answer {
    padding: 0 14px 0 30px;
  }
  .faq-card {
    padding: 12px 14px 10px;
  }
}


.related-section{
  margin-top:44px;
}
.rel-head{
  text-align:center;
  margin-bottom:26px;
}
.rel-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(--navy);
  font-size:11px;
  font-weight:700;
  letter-spacing:1px;
  text-transform:uppercase;
  padding:4px 14px;
  border-radius:20px;
  margin-bottom:12px;
}
.rel-head h2{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(20px,2.6vw,26px);
  font-weight:800;
  color:var(--text);
  letter-spacing:-0.3px;
  margin-bottom:8px;
}
.rel-head h2 em{
  font-style:normal;
  color:transparent;
  background:linear-gradient(90deg,var(--navy),var(--green));
  -webkit-background-clip:text;
  -webkit-text-fill-color:transparent;
  background-clip:text;
}
.rel-head p{
  font-size:14px;
  color:var(--muted);
  max-width:640px;
  margin:0 auto;
  line-height:1.7;
}
.rel-divider{
  width:54px;
  height:4px;
  background:linear-gradient(90deg,var(--navy),var(--green));
  border-radius:4px;
  margin:18px auto 26px;
}

/* GRID LAYOUT */
.rel-grid{
  display:grid;
  grid-template-columns:minmax(0,1.6fr) minmax(0,1.4fr);
  gap:20px;
}
@media(max-width:900px){
  .rel-grid{grid-template-columns:1fr;}
}

/* LEFT: CATEGORY COLUMNS */
.rel-cols{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;
}
@media(max-width:640px){
  .rel-cols{grid-template-columns:1fr;}
}

.rel-col-head{
  font-family:'Montserrat',sans-serif;
  font-size:12px;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.9px;
  color:var(--muted);
  margin-bottom:8px;
  padding-bottom:6px;
  border-bottom:2px solid var(--border);
}

.rel-list{
  list-style:none;
  padding:0;
  margin:0;
  display:flex;
  flex-direction:column;
  gap:7px;
}
.rel-item{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:10px;
  padding:9px 10px 8px;
  box-shadow:var(--shadow-sm);
  transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease;
}
.rel-item:hover{
  transform:translateY(-1px);
  box-shadow:var(--shadow-md);
  border-color:rgba(0,40,104,0.28);
}
.rel-link{
  display:flex;
  align-items:flex-start;
  gap:8px;
  text-decoration:none;
}
.rel-icon{
  width:26px;
  height:26px;
  border-radius:50%;
  background:rgba(0,40,104,0.06);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:14px;
  flex-shrink:0;
  color:var(--navy);
}
.rel-text{
  flex:1;
}
.rel-title{
  font-family:'Montserrat',sans-serif;
  font-size:12.5px;
  font-weight:800;
  color:var(--text);
  margin-bottom:2px;
}
.rel-sub{
  font-size:11.5px;
  color:var(--muted);
  line-height:1.6;
}
.rel-tag{
  font-size:10px;
  font-weight:600;
  text-transform:uppercase;
  letter-spacing:.7px;
  color:var(--muted);
}

/* RIGHT: HIGHLIGHT CARD */
.rel-highlight{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:16px 18px 14px;
  box-shadow:var(--shadow-sm);
  margin-bottom:14px;
}
.rel-highlight h3{
  font-family:'Montserrat',sans-serif;
  font-size:13px;
  font-weight:800;
  color:var(--text);
  margin-bottom:6px;
}
.rel-highlight p{
  font-size:12.5px;
  color:var(--muted);
  line-height:1.7;
}
.rel-highlight ul{
  list-style:none;
  padding:0;
  margin:6px 0 0;
}
.rel-highlight ul li{
  display:flex;
  align-items:flex-start;
  gap:6px;
  font-size:12px;
  color:var(--muted);
  line-height:1.6;
}
.rel-highlight ul li::before{
  content:'✓';
  color:var(--green);
  font-size:11px;
  margin-top:1px;
  flex-shrink:0;
}

/* MINI BADGE ROW */
.rel-mini{
  display:flex;
  flex-wrap:wrap;
  gap:6px;
  margin-top:6px;
}
.rel-mini-pill{
  display:inline-flex;
  align-items:center;
  gap:4px;
  padding:3px 8px;
  border-radius:12px;
  font-size:10.5px;
  font-weight:700;
  background:rgba(0,40,104,0.06);
  color:var(--navy);
}
.rel-mini-pill.green{
  background:rgba(0,135,90,0.09);
  color:var(--green);
}
.rel-mini-pill.purple{
  background:rgba(139,92,246,0.12);
  color:#6d28d9;
}

@media(max-width:600px){
  .rel-highlight{padding:14px 14px 12px;}
}

.legal-section{
  margin-top:44px;
}
.legal-head{
  text-align:center;
  margin-bottom:24px;
}
.legal-eyebrow{
  display:inline-flex;
  align-items:center;
  gap:7px;
  background:rgba(191,10,48,0.08);
  border:1px solid rgba(191,10,48,0.22);
  color:var(--red);
  font-size:11px;
  font-weight:700;
  letter-spacing:1px;
  text-transform:uppercase;
  padding:4px 14px;
  border-radius:20px;
  margin-bottom:12px;
}
.legal-head h2{
  font-family:'Montserrat',sans-serif;
  font-size:clamp(19px,2.4vw,24px);
  font-weight:800;
  color:var(--text);
  letter-spacing:-0.2px;
  margin-bottom:6px;
}
.legal-head h2 em{
  font-style:normal;
  color:transparent;
  background:linear-gradient(90deg,var(--navy),var(--red));
  -webkit-background-clip:text;
  -webkit-text-fill-color:transparent;
  background-clip:text;
}
.legal-head p{
  font-size:13.5px;
  color:var(--muted);
  max-width:680px;
  margin:0 auto;
  line-height:1.7;
}
.legal-divider{
  width:64px;
  height:4px;
  background:linear-gradient(90deg,var(--navy),var(--red));
  border-radius:4px;
  margin:18px auto 26px;
}

/* GRID */
.legal-grid{
  display:grid;
  grid-template-columns:minmax(0,1.6fr) minmax(0,1.4fr);
  gap:20px;
}
@media(max-width:900px){
  .legal-grid{grid-template-columns:1fr;}
}

/* LEFT CARDS */
.legal-card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:16px 18px 14px;
  box-shadow:var(--shadow-sm);
  margin-bottom:12px;
}
.legal-card h3{
  font-family:'Montserrat',sans-serif;
  font-size:13px;
  font-weight:800;
  color:var(--text);
  margin-bottom:6px;
}
.legal-card p{
  font-size:12.5px;
  color:var(--muted);
  line-height:1.7;
  margin-bottom:6px;
}
.legal-card p:last-child{margin-bottom:0;}
.legal-card ul{
  list-style:none;
  padding:0;
  margin:6px 0 0;
}
.legal-card ul li{
  display:flex;
  align-items:flex-start;
  gap:6px;
  font-size:12px;
  color:var(--muted);
  line-height:1.6;
}
.legal-card ul li::before{
  content:'•';
  font-size:12px;
  color:var(--muted);
  margin-top:1px;
  flex-shrink:0;
}

/* RIGHT: AUTHORITY & TRANSPARENCY */
.legal-side-card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:15px 16px 13px;
  box-shadow:var(--shadow-sm);
  margin-bottom:12px;
}
.legal-side-card h3{
  font-family:'Montserrat',sans-serif;
  font-size:13px;
  font-weight:800;
  color:var(--text);
  margin-bottom:6px;
}
.legal-side-card p{
  font-size:12.5px;
  color:var(--muted);
  line-height:1.7;
}
.legal-link-box{
  margin-top:10px;
  padding:9px 10px;
  border-radius:10px;
  background:rgba(0,40,104,0.06);
  border:1px solid rgba(0,40,104,0.18);
  font-size:12px;
}
.legal-link-box a{
  color:var(--navy);
  font-weight:600;
  text-decoration:none;
}
.legal-link-box a:hover{
  text-decoration:underline;
}
.legal-badge-row{
  display:flex;
  flex-wrap:wrap;
  gap:6px;
  margin-top:8px;
}
.legal-badge{
  display:inline-flex;
  align-items:center;
  gap:4px;
  padding:3px 8px;
  border-radius:12px;
  font-size:10.5px;
  font-weight:700;
  background:rgba(0,40,104,0.06);
  color:var(--navy);
}
.legal-badge.red{
  background:rgba(191,10,48,0.08);
  color:var(--red);
}
.legal-badge.green{
  background:rgba(0,135,90,0.09);
  color:var(--green);
}

@media(max-width:600px){
  .legal-card,.legal-side-card{
    padding:13px 14px 11px;
  }
}

/* =========================================================
   ABSOLUTE TITANIUM MOBILE LOCK (TDF GLIDE PATH)
   ========================================================= */
@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 TO STACK */
    .page, .edu-section, .examples-section, .tips-section, .faq-section, .related-section, .legal-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; 
    }

    .grid, .ipanel, .results, #tab-glide, #tab-compare, #tab-income { 
        display: flex !important; flex-direction: column !important; width: 100% !important; 
        max-width: 100% !important; min-width: 0 !important; box-sizing: border-box !important; 
    }
    .grid { gap: 16px !important; }

    /* 3. DESTROY GRIDS TO PREVENT STRETCHING */
    .kgrid, .edu-stats-row, .edu-intro-grid, .edu-steps-grid, .edu-concepts-grid, .edu-versus-row, 
    .ex-kgrid, .tip-kgrid, .faq-grid, .rel-grid, .rel-cols, .legal-grid, .ex-card-inner, .tip-inner { 
        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 CARDS TO OBEY WIDTH LIMITS */
    .kcard, .ccard, .tcard, .edu-text-card, .edu-stat, .edu-gp-visual, .edu-step-card, 
    .edu-concept-card, .edu-versus-card, .ex-card, .tip-card, .faq-card, .rc-card, .legal-card, .legal-side-card { 
        min-width: 0 !important; width: 100% !important; max-width: 100% !important; 
        overflow: hidden !important; display: block !important; box-sizing: border-box !important; 
    }
    
    .pbody, .ex-left, .ex-right, .tip-left, .tip-right { padding: 16px 12px !important; border-right: none !important; }

    /* 5. FORCE INPUTS INSIDE CONTAINERS */
    .sec, .ig, .iw, input[type="number"], select { 
        width: 100% !important; max-width: 100% !important; min-width: 0 !important; box-sizing: border-box !important; 
    }
    .iw { display: flex !important; }
    input[type="number"], select { flex: 1 !important; }

    /* 6. INDEPENDENT TABLE SCROLLING */
    .twrap, .ex-mini-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, .dt, .ex-mini-table { width: max-content !important; min-width: 100% !important; }
    th, td { white-space: nowrap !important; }

    /* 7. RESTRAIN CHART.JS */
    .cwrap { 
        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. LARGE NUMBER WRAPPING */
    .kval, .hs-num, .edu-stat-num, .ex-kvalue, .tip-kvalue { 
        word-wrap: break-word !important; overflow-wrap: break-word !important; white-space: normal !important; 
        font-size: clamp(1.2rem, 6vw, 1.4rem) !important; 
    }
    
    /* 9. HERO ADJUSTMENTS */
    .hero { padding: 32px 16px !important; }
    .hero h1 { font-size: 1.8rem !important; }
    .hero-inner { flex-direction: column !important; }
    
    /* 10. TABS SCROLLING FIX */
    .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; 
    }
    .tab { white-space: nowrap !important; flex: 1; text-align: center; }
}
/* =========================================================
   HERO HEADER CENTERING & PILL FIX
   ========================================================= */
.hero-inner {
    flex-direction: column !important;
    align-items: center !important;
    text-align: center !important;
    max-width: 960px !important;
    margin: 0 auto !important;
}

.hero-sub {
    margin: 0 auto !important; /* Centers the paragraph text */
}

.hero-stats {
    justify-content: center !important; /* Centers the 3 stats */
    margin-top: 24px !important;
    width: 100% !important;
}

.hero-pills {
    display: flex !important;
    flex-direction: row !important; /* Changes from vertical to horizontal */
    flex-wrap: wrap !important; /* Allows them to flow to the next line */
    justify-content: center !important; /* Centers the pills */
    align-items: center !important;
    width: 100% !important;
    margin-top: 16px !important;
    gap: 10px !important;
}

/* Ensure mobile pill display is restored if it was previously hidden */
@media screen and (max-width: 600px) {
    .hero-pills {
        display: flex !important; 
    }
}