:root{
  --navy:#002868;--green:#00843D;--red:#BF0A30;--light-bg:#F8F9FF;
  --card-bg:#FFFFFF;--border:#D0D5E8;--text:#1A1F36;--muted:#6B7280;
  --whatsapp:#25D366;--gold:#D4A017;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);min-height:100vh}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}

/* HEADER */
.calc-header{background:linear-gradient(135deg,var(--navy) 0%,#003580 100%);color:#fff;padding:28px 24px 24px;text-align:center}
.calc-header h1{font-size:clamp(1.35rem,4vw,2rem);font-weight:800;margin-bottom:8px}
.calc-header p{font-size:.93rem;opacity:.88;max-width:600px;margin:0 auto}

/* TABS */
.tab-nav{display:flex;background:var(--navy);padding:0 16px;overflow-x:auto;gap:4px;scrollbar-width:none}
.tab-nav::-webkit-scrollbar{display:none}
.tab-btn{flex-shrink:0;padding:13px 18px;font-family:'Montserrat',sans-serif;font-size:.82rem;font-weight:700;color:rgba(255,255,255,.65);background:none;border:none;border-bottom:3px solid transparent;cursor:pointer;white-space:nowrap;transition:all .2s;letter-spacing:.3px}
.tab-btn.active{color:#fff;border-bottom-color:var(--green)}
.tab-btn:hover:not(.active){color:rgba(255,255,255,.9)}

/* ADSENSE SLOT */
.ad-slot{background:#f0f4ff;border:2px dashed var(--border);border-radius:8px;padding:18px;text-align:center;color:var(--muted);font-size:.8rem;margin:16px 0}
.ad-slot span{font-weight:600;color:var(--navy)}

/* MAIN LAYOUT */
.calc-body{max-width:1200px;margin:0 auto;padding:20px 16px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:start}
@media(max-width:767px){.two-col{grid-template-columns:1fr}}

/* CARDS */
.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:22px}
.card-title{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:16px;padding-bottom:10px;border-bottom:2px solid var(--light-bg);display:flex;align-items:center;gap:8px}
.card-title .icon{width:22px;height:22px;background:var(--navy);border-radius:6px;display:flex;align-items:center;justify-content:center;font-size:.75rem;color:#fff;flex-shrink:0}

/* FORM ELEMENTS */
.form-row{margin-bottom:14px}
.form-row label{display:block;font-size:.82rem;font-weight:600;color:var(--text);margin-bottom:5px}
.form-row label .hint{font-weight:400;color:var(--muted);font-size:.77rem}
input[type=number],input[type=range],select{width:100%;border:1.5px solid var(--border);border-radius:8px;padding:9px 12px;font-size:.9rem;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:border .2s;outline:none}
input[type=number]:focus,select:focus{border-color:var(--navy)}
input[type=range]{padding:6px 0;accent-color:var(--navy);height:36px}
.range-labels{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:-6px}
.radio-group{display:flex;gap:10px;flex-wrap:wrap}
.radio-group label{display:flex;align-items:center;gap:6px;font-size:.85rem;font-weight:400;cursor:pointer;padding:7px 14px;border:1.5px solid var(--border);border-radius:8px;transition:all .2s}
.radio-group input[type=radio]{accent-color:var(--navy)}
.radio-group label:has(input:checked){border-color:var(--navy);background:#f0f4ff;font-weight:600}
.toggle-group{display:flex;gap:0}
.toggle-group label{flex:1;text-align:center;padding:8px;font-size:.82rem;font-weight:600;cursor:pointer;border:1.5px solid var(--border);background:#fff;color:var(--muted);transition:all .2s}
.toggle-group label:first-child{border-radius:8px 0 0 8px}
.toggle-group label:last-child{border-radius:0 8px 8px 0}
.toggle-group input[type=radio]{display:none}
.toggle-group label:has(input:checked){background:var(--navy);color:#fff;border-color:var(--navy)}

/* RESULT CARDS */
.result-highlight{background:linear-gradient(135deg,var(--navy),#003580);color:#fff;border-radius:12px;padding:18px;margin-bottom:14px}
.result-highlight .label{font-size:.78rem;opacity:.8;margin-bottom:4px;text-transform:uppercase;letter-spacing:.5px}
.result-highlight .value{font-size:1.6rem;font-weight:800;font-family:'Montserrat',sans-serif}
.result-highlight .sub{font-size:.8rem;opacity:.7;margin-top:3px}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
.res-box{background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:13px;text-align:center}
.res-box .rb-label{font-size:.74rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}
.res-box .rb-val{font-size:1.05rem;font-weight:700;color:var(--navy);font-family:'Montserrat',sans-serif}
.res-box .rb-sub{font-size:.72rem;color:var(--muted);margin-top:2px}

/* BADGE */
.badge{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;border-radius:20px;font-size:.82rem;font-weight:700;margin-bottom:14px}
.badge.term{background:#e8f5e9;color:#1b5e20;border:1.5px solid #a5d6a7}
.badge.whole{background:#e3f2fd;color:#0d47a1;border:1.5px solid #90caf9}
.badge.neutral{background:#fff3e0;color:#e65100;border:1.5px solid #ffcc80}

/* CHART */
.chart-wrap{position:relative;height:280px;margin-top:10px}

/* BUTTONS */
.btn-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.btn{padding:11px 22px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:.85rem;font-weight:700;cursor:pointer;border:2px solid transparent;transition:all .2s;display:inline-flex;align-items:center;gap:6px}
.btn-calc{background:var(--green);color:#fff;border-color:var(--green)}
.btn-calc:hover{background:#006e32;border-color:#006e32}
.btn-clear{background:#fff;color:var(--red);border-color:var(--red)}
.btn-clear:hover{background:var(--red);color:#fff}
.btn-pdf{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-pdf:hover{background:#001a4a;border-color:#001a4a}
.btn-wa{background:var(--whatsapp);color:#fff;border-color:var(--whatsapp)}
.btn-wa:hover{background:#1da851;border-color:#1da851}
.btn-secondary{background:#fff;color:var(--navy);border-color:var(--navy);font-size:.8rem;padding:8px 16px}
.btn-secondary:hover{background:var(--navy);color:#fff}

/* TABLE */
.data-table-wrap{overflow-x:auto;margin-top:12px;border-radius:10px;border:1px solid var(--border)}
.data-table{width:100%;border-collapse:collapse;font-size:.8rem}
.data-table thead th{background:var(--navy);color:#fff;padding:10px 12px;text-align:left;font-family:'Montserrat',sans-serif;font-size:.75rem;white-space:nowrap}
.data-table tbody tr:nth-child(even){background:#f5f7ff}
.data-table tbody tr:hover{background:#eef1ff}
.data-table td{padding:9px 12px;border-bottom:1px solid var(--border);white-space:nowrap}
.td-green{color:var(--green);font-weight:600}
.td-red{color:var(--red);font-weight:600}
.td-bold{font-weight:700;color:var(--navy)}
.td-year{background:var(--navy);color:#fff!important;font-weight:700;font-family:'Montserrat',sans-serif;text-align:center}

/* SECTION DIVIDER */
.section-divider{border:none;border-top:2px solid var(--light-bg);margin:18px 0}

/* BUSINESS MODE */
.biz-sub-tabs{display:flex;gap:8px;margin-bottom:16px}
.biz-sub-tab{padding:8px 16px;border-radius:8px;font-size:.82rem;font-weight:600;cursor:pointer;border:1.5px solid var(--border);background:#fff;color:var(--muted);transition:all .2s}
.biz-sub-tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* INFO BOX */
.info-box{background:#f0f6ff;border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:12px 14px;font-size:.82rem;color:var(--text);margin:12px 0;line-height:1.6}
.info-box strong{color:var(--navy)}
.warning-box{background:#fff8e1;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:12px 14px;font-size:.82rem;color:#5d4037;margin:12px 0;line-height:1.6}
.success-box{background:#e8f5e9;border-left:4px solid var(--green);border-radius:0 8px 8px 0;padding:12px 14px;font-size:.82rem;color:#1b5e20;margin:12px 0;line-height:1.6}

/* TAX SECTION */
.tax-item{background:var(--card-bg);border:1px solid var(--border);border-radius:10px;padding:14px;margin-bottom:10px}
.tax-item h4{font-size:.88rem;color:var(--navy);margin-bottom:6px}
.tax-item p{font-size:.8rem;color:var(--muted);line-height:1.55}
.tax-highlight{background:var(--navy);color:#fff;border-radius:8px;padding:10px 14px;font-size:.82rem;margin:8px 0}

/* HIDDEN */
.tab-panel{display:none}
.tab-panel.active{display:block}
.hidden{display:none!important}

/* PLACEHOLDER */
.placeholder-msg{text-align:center;padding:40px 20px;color:var(--muted)}
.placeholder-msg .big-icon{font-size:2.5rem;margin-bottom:12px}
.placeholder-msg p{font-size:.9rem}

/* DISCLAIMER */
.disclaimer{font-size:.75rem;color:var(--muted);margin-top:16px;line-height:1.5;padding:12px;background:#f5f5f5;border-radius:8px}

/* SCENARIO CARDS */
.scenario-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:12px 0}
@media(max-width:600px){.scenario-grid{grid-template-columns:1fr}}
.scenario-card{border:1px solid var(--border);border-radius:10px;padding:14px}
.scenario-card h4{font-size:.85rem;color:var(--navy);margin-bottom:8px;font-family:'Montserrat',sans-serif}
.scenario-card .sc-val{font-size:1.1rem;font-weight:700;color:var(--green);font-family:'Montserrat',sans-serif}
.scenario-card .sc-label{font-size:.75rem;color:var(--muted)}

/* CROSSOVER BADGE */
.crossover-badge{background:linear-gradient(135deg,#002868,#004fa3);color:#fff;border-radius:12px;padding:16px;text-align:center;margin:14px 0}
.crossover-badge .cb-year{font-size:2rem;font-weight:800;font-family:'Montserrat',sans-serif}
.crossover-badge .cb-label{font-size:.82rem;opacity:.8}

/* PROGRESS BAR */
.progress-wrap{background:#eee;border-radius:20px;height:10px;margin:6px 0}
.progress-bar{height:10px;border-radius:20px;background:linear-gradient(90deg,var(--green),#00a84d);transition:width .5s}

/* ═══════════════════════════════════════════════════
   MOBILE RESPONSIVE FIXES — existing calculator
═══════════════════════════════════════════════════ */
/* Prevent grid children from blowing out on narrow screens */
.two-col > * { min-width: 0; }
.result-grid > *, .res-box { min-width: 0; overflow: hidden; }
body { overflow-x: hidden; }

@media (max-width: 480px) {
  .calc-body   { padding: 14px 10px; }
  .card        { padding: 16px 12px; }
  .result-grid { gap: 6px; }
  .res-box     { padding: 10px 7px; border-radius: 8px; }
  .res-box .rb-label { font-size:.62rem; letter-spacing:0; line-height:1.35; word-break:break-word; hyphens:auto; }
  .res-box .rb-val   { font-size:.88rem; }
  .res-box .rb-sub   { font-size:.64rem; }
  .result-highlight  { padding: 14px 12px; }
  .result-highlight .value { font-size: 1.35rem; }
  .btn { padding: 9px 14px; font-size: .78rem; }
  .btn-row { gap: 7px; }
  .tab-btn { padding: 11px 11px; font-size: .74rem; }
  .biz-sub-tabs { flex-wrap: wrap; gap: 6px; }
  .biz-sub-tab  { font-size: .78rem; padding: 7px 12px; flex: 1; text-align: center; }
  .scenario-grid { grid-template-columns: 1fr; }
  .crossover-badge { padding: 14px 12px; }
  .crossover-badge .cb-year { font-size: 1.6rem; }
  .data-table thead th { font-size: .68rem; padding: 8px 8px; }
  .data-table td { font-size: .73rem; padding: 7px 8px; }
}
@media (max-width: 380px) {
  .result-grid { grid-template-columns: 1fr; gap: 5px; }
  .res-box {
    display: flex; align-items: center;
    justify-content: space-between;
    text-align: left; padding: 8px 11px; gap: 8px;
  }
  .res-box .rb-label { font-size:.66rem; flex:1; margin-bottom:0; text-align:left; word-break:break-word; hyphens:auto; }
  .res-box .rb-val   { font-size:.9rem; text-align:right; flex-shrink:0; }
  .res-box .rb-sub   { display: none; }
  .calc-header { padding: 18px 12px 16px; }
  .tab-btn { padding: 10px 8px; font-size: .68rem; }
}

/* ═══════════════════════════════════════════════════
   SCOPED STYLES — prefix .tvw-how-  (How It Works)
═══════════════════════════════════════════════════ */
.tvw-how-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 14px 32px;
}
.tvw-how-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #003580 100%);
  border-radius: 14px;
  padding: 26px 24px 22px;
  margin-bottom: 22px;
  color: #fff;
}
.tvw-how-hero h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.1rem, 3vw, 1.5rem);
  font-weight: 800;
  margin: 0 0 8px;
}
.tvw-how-hero p {
  font-size: .84rem;
  opacity: .88;
  max-width: 700px;
  line-height: 1.65;
  margin: 0 0 14px;
}
.tvw-how-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.tvw-how-badge {
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.3);
  border-radius: 20px;
  padding: 4px 12px;
  font-size: .72rem;
  font-weight: 600;
}
.tvw-step {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 10px;
}
.tvw-step-head {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 15px 18px;
  background: var(--light-bg);
  border-bottom: 1px solid var(--border);
  cursor: pointer;
  user-select: none;
  transition: background .15s;
}
.tvw-step-head:hover { background: #e8ecf8; }
.tvw-step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-family: Montserrat, sans-serif;
  font-size: .88rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.tvw-step.open .tvw-step-num { background: var(--green); }
.tvw-step-title-wrap { flex: 1; min-width: 0; }
.tvw-step-title {
  font-family: Montserrat, sans-serif;
  font-size: .88rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 2px;
}
.tvw-step-sub {
  font-size: .74rem;
  color: var(--muted);
}
.tvw-chevron {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  font-weight: 900;
  color: var(--navy);
  transition: transform .2s;
  flex-shrink: 0;
}
.tvw-step.open .tvw-chevron { transform: rotate(45deg); }
.tvw-step-body {
  display: none;
  padding: 18px 18px 16px;
}
.tvw-step.open .tvw-step-body { display: block; }
.tvw-field-rows { display: flex; flex-direction: column; gap: 8px; margin: 10px 0; }
.tvw-field-row {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  background: var(--light-bg);
  border-radius: 9px;
  padding: 10px 12px;
}
.tvw-field-icon {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  background: var(--navy);
  color: #fff;
  font-size: .85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.tvw-field-name {
  font-family: Montserrat, sans-serif;
  font-size: .78rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 3px;
}
.tvw-field-desc {
  font-size: .74rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 0;
}
.tvw-field-desc strong { color: var(--text); }
.tvw-tip-box {
  background: #e8f5e9;
  border-left: 4px solid var(--green);
  border-radius: 0 8px 8px 0;
  padding: 10px 13px;
  font-size: .8rem;
  color: #1b5e20;
  margin: 10px 0 0;
  line-height: 1.55;
}
.tvw-tip-box strong { display: block; margin-bottom: 3px; }
.tvw-output-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 9px;
  margin: 12px 0 0;
}
.tvw-output-box {
  background: var(--light-bg);
  border: 1px solid var(--border);
  border-radius: 9px;
  padding: 10px 12px;
  min-width: 0;
}
.tvw-output-title {
  font-family: Montserrat, sans-serif;
  font-size: .76rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 4px;
}
.tvw-output-desc {
  font-size: .72rem;
  color: var(--muted);
  line-height: 1.5;
  margin: 0;
}
@media (max-width: 600px) {
  .tvw-how-hero { padding: 18px 14px 16px; }
  .tvw-step-head { padding: 12px 14px; gap: 10px; }
  .tvw-step-body { padding: 14px 14px 12px; }
  .tvw-output-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════
   SCOPED STYLES — prefix .tvw-edu-  (Educational Guide)
═══════════════════════════════════════════════════ */
.tvw-edu-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 14px 32px;
}
.tvw-edu-sh {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: Montserrat, sans-serif;
  font-size: .8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .07em;
  padding: 10px 14px;
  border-radius: 8px;
  margin: 0 0 14px;
  color: #fff;
}
.tvw-edu-sh.navy   { background: var(--navy); }
.tvw-edu-sh.green  { background: var(--green); }
.tvw-edu-sh.red    { background: var(--red); }
.tvw-edu-sh.gold   { background: var(--gold); }
.tvw-edu-intro {
  font-size: .83rem;
  color: var(--muted);
  line-height: 1.78;
  max-width: 860px;
  margin: 0 0 20px;
}
.tvw-edu-intro strong { color: var(--text); }
.tvw-stat-band {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 10px;
  margin-bottom: 22px;
}
.tvw-stat-box {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 14px 12px;
  text-align: center;
}
.tvw-stat-val {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.3rem,3vw,1.8rem);
  font-weight: 900;
  line-height: 1.1;
  display: block;
  margin-bottom: 5px;
}
.tvw-stat-lbl {
  font-size: .67rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .05em;
  display: block;
  margin-bottom: 3px;
  line-height: 1.4;
}
.tvw-stat-src { font-size: .61rem; color: var(--muted); opacity: .7; }
.tvw-cov-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 14px;
  margin-bottom: 22px;
}
.tvw-cov-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
.tvw-cov-head {
  padding: 14px 16px 12px;
  border-bottom: 1px solid var(--border);
}
.tvw-cov-title {
  font-family: Montserrat, sans-serif;
  font-size: .92rem;
  font-weight: 800;
  margin: 0 0 4px;
}
.tvw-cov-tag  { font-size: .68rem; color: var(--muted); font-weight: 600; }
.tvw-cov-body {
  padding: 13px 16px;
  font-size: .78rem;
  color: var(--muted);
  line-height: 1.7;
}
.tvw-cov-body strong { color: var(--text); }
.tvw-cov-pros {
  margin-top: 10px;
  display: flex;
  flex-direction: column;
  gap: 5px;
}
.tvw-cov-pro {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: .76rem;
  color: var(--text);
  line-height: 1.5;
}
.tvw-cov-pro .pro-icon {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .65rem;
  flex-shrink: 0;
  margin-top: 1px;
  font-weight: 800;
}
.pro-icon.yes { background: #e8f5e9; color: #1b5e20; }
.pro-icon.no  { background: #ffebee; color: #b71c1c; }
.tvw-myth-rows { display: flex; flex-direction: column; gap: 10px; margin-bottom: 22px; }
.tvw-myth-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  border: 1px solid var(--border);
  border-radius: 11px;
  overflow: hidden;
}
.tvw-myth-cell { padding: 13px 15px; }
.tvw-myth-cell.myth {
  background: rgba(191,10,48,.04);
  border-right: 1px solid var(--border);
}
.tvw-myth-cell.fact { background: rgba(0,132,61,.04); }
.tvw-myth-cell .mf-tag {
  font-size: .62rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: 5px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.tvw-myth-cell.myth .mf-tag { color: var(--red); }
.tvw-myth-cell.fact .mf-tag { color: var(--green); }
.tvw-myth-cell .mf-text { font-size: .77rem; color: var(--text); line-height: 1.65; }
.tvw-when-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 22px;
}
.tvw-when-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 16px;
}
.tvw-when-card h4 {
  font-family: Montserrat, sans-serif;
  font-size: .84rem;
  font-weight: 800;
  margin: 0 0 12px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.tvw-when-list {
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.tvw-when-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: .77rem;
  color: var(--text);
  line-height: 1.55;
}
.tvw-when-dot {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .6rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}
@media (max-width: 900px) { .tvw-stat-band { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 650px) {
  .tvw-cov-grid { grid-template-columns: 1fr; }
  .tvw-when-grid { grid-template-columns: 1fr; }
  .tvw-myth-row { grid-template-columns: 1fr; }
  .tvw-myth-cell.myth { border-right: none; border-bottom: 1px solid var(--border); }
}
@media (max-width: 500px) { .tvw-stat-band { grid-template-columns: repeat(2,1fr); } }

/* ═══════════════════════════════════════════════════
   SCOPED STYLES — prefix .tvw-ex-  (Real Scenarios)
═══════════════════════════════════════════════════ */
.tvw-ex-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 14px 32px;
}
.tvw-ex-hero {
  background: linear-gradient(135deg, var(--green) 0%, #006030 100%);
  border-radius: 14px;
  padding: 26px 24px 22px;
  margin-bottom: 22px;
  color: #fff;
}
.tvw-ex-hero h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.1rem, 3vw, 1.5rem);
  font-weight: 800;
  margin: 0 0 8px;
}
.tvw-ex-hero p { font-size: .84rem; opacity: .88; max-width: 700px; line-height: 1.65; margin: 0; }
.tvw-ex-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 20px;
}
.tvw-ex-banner {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 18px 20px 16px;
  border-bottom: 2px solid var(--light-bg);
  flex-wrap: wrap;
}
.tvw-ex-avatar {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  flex-shrink: 0;
}
.tvw-ex-profile { flex: 1; min-width: 0; }
.tvw-ex-name {
  font-family: Montserrat, sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 5px;
}
.tvw-ex-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 5px;
}
.tvw-ex-tag {
  font-size: .66rem;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 10px;
  background: var(--light-bg);
  color: var(--muted);
  border: 1px solid var(--border);
}
.tvw-ex-verdict {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border-radius: 10px;
  padding: 10px 14px;
  color: #fff;
  text-align: center;
  min-width: 90px;
}
.tvw-ex-verdict .ev-val {
  font-family: Montserrat, sans-serif;
  font-size: 1.2rem;
  font-weight: 900;
  line-height: 1;
}
.tvw-ex-verdict .ev-lbl {
  font-size: .58rem;
  font-weight: 700;
  opacity: .85;
  margin-top: 3px;
  text-transform: uppercase;
  letter-spacing: .06em;
}
.tvw-ex-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.tvw-ex-left  { padding: 16px 18px; border-right: 1px solid var(--border); }
.tvw-ex-right { padding: 16px 18px; }
.tvw-ex-sh {
  font-family: Montserrat, sans-serif;
  font-size: .72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--muted);
  margin: 0 0 10px;
}
.tvw-ex-rows { display: flex; flex-direction: column; gap: 5px; margin-bottom: 12px; }
.tvw-ex-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .77rem;
  padding: 6px 10px;
  border-radius: 7px;
  background: var(--light-bg);
}
.tvw-ex-row .er-label { color: var(--muted); }
.tvw-ex-row .er-val   { font-family: Montserrat, sans-serif; font-weight: 800; color: var(--navy); font-size: .78rem; }
.tvw-ex-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .8rem;
  padding: 9px 10px;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  margin-top: 4px;
}
.tvw-ex-total .et-label { font-weight: 700; }
.tvw-ex-total .et-val   { font-family: Montserrat, sans-serif; font-weight: 900; font-size: .9rem; }
.tvw-ex-win {
  border-radius: 10px;
  padding: 13px 14px;
  margin-bottom: 10px;
}
.tvw-ex-win-label {
  font-size: .62rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 6px;
  opacity: .8;
}
.tvw-ex-win-amount {
  font-family: Montserrat, sans-serif;
  font-size: 1.55rem;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 4px;
}
.tvw-ex-win-sub { font-size: .73rem; opacity: .85; line-height: 1.55; }
.tvw-ex-lesson {
  background: rgba(0,40,104,.05);
  border: 1.5px solid rgba(0,40,104,.15);
  border-radius: 10px;
  padding: 12px 14px;
}
.tvw-ex-lesson-lbl {
  font-size: .61rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--navy);
  margin-bottom: 6px;
}
.tvw-ex-lesson p { font-size: .76rem; color: var(--text); line-height: 1.7; margin: 0; }
.tvw-ex-lesson p strong { color: var(--navy); }
@media (max-width: 700px) {
  .tvw-ex-body { grid-template-columns: 1fr; }
  .tvw-ex-left { border-right: none; border-bottom: 1px solid var(--border); }
  .tvw-ex-banner { flex-wrap: wrap; }
  .tvw-ex-verdict { width: 100%; flex-direction: row; justify-content: flex-start; gap: 10px; padding: 9px 13px; }
}
@media (max-width: 480px) {
  .tvw-ex-banner { padding: 14px 14px 12px; }
  .tvw-ex-left, .tvw-ex-right { padding: 14px 14px; }
}

/* ═══════════════════════════════════════════════════
   SCOPED STYLES — prefix .tvw-faq-  (FAQ Section)
═══════════════════════════════════════════════════ */
.tvw-faq-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 14px 40px;
}
.tvw-faq-hero {
  background: linear-gradient(135deg, #3d0070 0%, #5e00a8 100%);
  border-radius: 14px;
  padding: 24px 22px 20px;
  margin-bottom: 22px;
  color: #fff;
}
.tvw-faq-hero h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.1rem, 3vw, 1.4rem);
  font-weight: 800;
  margin: 0 0 6px;
}
.tvw-faq-hero p { font-size: .82rem; opacity: .88; margin: 0; }
.tvw-faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.tvw-faq-item {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 11px;
  overflow: hidden;
}
.tvw-faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  cursor: pointer;
  font-size: .84rem;
  font-weight: 700;
  color: var(--navy);
  font-family: Montserrat, sans-serif;
  gap: 10px;
  user-select: none;
  transition: background .15s;
}
.tvw-faq-q:hover { background: var(--light-bg); }
.tvw-faq-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--light-bg);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .82rem;
  font-weight: 900;
  color: var(--navy);
  flex-shrink: 0;
  transition: transform .2s, background .2s;
}
.tvw-faq-item.open .tvw-faq-icon {
  transform: rotate(45deg);
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.tvw-faq-a {
  display: none;
  padding: 0 16px 14px;
  font-size: .8rem;
  color: var(--muted);
  line-height: 1.75;
  border-top: 1px solid var(--light-bg);
}
.tvw-faq-item.open .tvw-faq-a {
  display: block;
  padding-top: 12px;
}
.tvw-faq-a strong { color: var(--text); }
.tvw-faq-a .faq-highlight {
  background: var(--light-bg);
  border-radius: 7px;
  padding: 8px 11px;
  margin-top: 8px;
  font-size: .76rem;
  color: var(--navy);
  font-weight: 600;
}
@media (max-width: 700px) { .tvw-faq-grid { grid-template-columns: 1fr; } }
@media (max-width: 480px) {
  .tvw-faq-q  { padding: 12px 13px; font-size: .8rem; }
  .tvw-faq-a  { padding: 0 13px 12px; }
  .tvw-faq-item.open .tvw-faq-a { padding-top: 10px; }
  .tvw-faq-hero { padding: 18px 14px 16px; }
}
/* =========================================================
   EDUCATIONAL CONTENT — TERM VS WHOLE LIFE
   Scoped styles
========================================================= */
.tvw-edu-article{
  background: var(--light-bg, #F8F9FF);
  padding: 28px 0 42px;
}
.tvw-edu-shell{
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}
.tvw-edu-hero{
  background: linear-gradient(135deg, #002868 0%, #003580 100%);
  color: #fff;
  border-radius: 16px;
  padding: 28px 24px;
  margin-bottom: 20px;
}
.tvw-edu-kicker{
  display: inline-block;
  font-size: .72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  opacity: .78;
  margin-bottom: 10px;
}
.tvw-edu-hero h2{
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.35rem, 4vw, 2rem);
  line-height: 1.25;
  margin: 0 0 12px;
}
.tvw-edu-hero p{
  font-family: Inter, sans-serif;
  font-size: .92rem;
  line-height: 1.75;
  opacity: .94;
  margin: 0 0 10px;
  max-width: 880px;
}
.tvw-edu-toc{
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  padding: 18px 18px 14px;
  margin-bottom: 20px;
}
.tvw-edu-toc h3{
  font-family: Montserrat, sans-serif;
  font-size: .95rem;
  color: #002868;
  margin: 0 0 12px;
}
.tvw-edu-toc-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 20px;
}
.tvw-edu-toc-grid a{
  text-decoration: none;
  color: #1A1F36;
  font-size: .85rem;
  line-height: 1.5;
  padding: 8px 10px;
  border-radius: 8px;
  background: #F8F9FF;
  border: 1px solid #E4E8F4;
  transition: .2s ease;
}
.tvw-edu-toc-grid a:hover{
  color: #002868;
  background: #eef3ff;
}
.tvw-edu-block{
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  padding: 22px 20px;
  margin-bottom: 16px;
}
.tvw-edu-block h2{
  font-family: Montserrat, sans-serif;
  font-size: 1.2rem;
  line-height: 1.35;
  color: #002868;
  margin: 0 0 12px;
}
.tvw-edu-block h3{
  font-family: Montserrat, sans-serif;
  font-size: .95rem;
  color: #002868;
  margin: 18px 0 8px;
}
.tvw-edu-block p{
  font-family: Inter, sans-serif;
  font-size: .9rem;
  line-height: 1.8;
  color: #1A1F36;
  margin: 0 0 12px;
}
.tvw-callout{
  border-radius: 10px;
  padding: 14px 16px;
  margin: 14px 0;
  font-size: .86rem;
  line-height: 1.7;
}
.tvw-callout strong{
  display: block;
  margin-bottom: 4px;
  font-family: Montserrat, sans-serif;
}
.tvw-callout.info{
  background: #eef4ff;
  border-left: 4px solid #002868;
  color: #153156;
}
.tvw-callout.tip{
  background: #eaf8f0;
  border-left: 4px solid #00843D;
  color: #185334;
}
.tvw-callout.warn{
  background: #fff8e8;
  border-left: 4px solid #D4A017;
  color: #6f5200;
}
.tvw-callout.danger{
  background: #fff0f3;
  border-left: 4px solid #BF0A30;
  color: #7d1830;
}
.tvw-check-list{
  margin: 10px 0 12px;
  padding-left: 18px;
}
.tvw-check-list li{
  margin: 0 0 8px;
  color: #1A1F36;
  font-size: .88rem;
  line-height: 1.7;
}
.tvw-mini-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 14px 0;
}
.tvw-mini-card{
  background: #F8F9FF;
  border: 1px solid #DDE3F0;
  border-radius: 12px;
  padding: 14px;
}
.tvw-mini-card h3{
  margin-top: 0;
}
.tvw-mini-card ul{
  padding-left: 18px;
  margin: 8px 0 0;
}
.tvw-mini-card li{
  margin-bottom: 7px;
  font-size: .86rem;
  line-height: 1.6;
}
.tvw-table-wrap{
  overflow-x: auto;
  border: 1px solid #D0D5E8;
  border-radius: 12px;
  margin: 14px 0;
}
.tvw-table{
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
}
.tvw-table th{
  background: #002868;
  color: #fff;
  text-align: left;
  padding: 12px 14px;
  font-family: Montserrat, sans-serif;
  font-size: .8rem;
}
.tvw-table td{
  padding: 11px 14px;
  border-bottom: 1px solid #E4E8F4;
  font-size: .87rem;
  line-height: 1.6;
  color: #1A1F36;
}
.tvw-table tbody tr:nth-child(even){
  background: #FAFBFF;
}
.tvw-badge-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin: 14px 0;
}
.tvw-badge-card{
  border-radius: 12px;
  padding: 14px 12px;
  border: 1px solid #D0D5E8;
}
.tvw-badge-card h3{
  margin: 0 0 6px;
  font-size: .88rem;
}
.tvw-badge-card p{
  margin: 0;
  font-size: .8rem;
  line-height: 1.6;
}
.tvw-badge-card.green{ background:#eaf8f0; }
.tvw-badge-card.blue{ background:#eef4ff; }
.tvw-badge-card.gold{ background:#fff8e8; }
.tvw-badge-card.red{ background:#fff0f3; }

.tvw-edu-related{
  background: #fff;
  border: 1px solid #D0D5E8;
  border-radius: 14px;
  padding: 22px 20px;
  margin-top: 16px;
}
.tvw-edu-related h2{
  font-family: Montserrat, sans-serif;
  font-size: 1.15rem;
  color: #002868;
  margin: 0 0 12px;
}
.tvw-related-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.tvw-related-card{
  display: block;
  text-decoration: none;
  background: #F8F9FF;
  border: 1px solid #DDE3F0;
  border-radius: 12px;
  padding: 14px;
  transition: .2s ease;
}
.tvw-related-card:hover{
  background: #eef3ff;
  border-color: #bfc9e6;
}
.tvw-related-card strong{
  display: block;
  font-family: Montserrat, sans-serif;
  font-size: .86rem;
  color: #002868;
  margin-bottom: 6px;
}
.tvw-related-card span{
  display: block;
  font-size: .82rem;
  line-height: 1.6;
  color: #5F6368;
}

/* Mobile optimization */
@media (max-width: 991px){
  .tvw-related-grid{
    grid-template-columns: 1fr 1fr;
  }
  .tvw-badge-grid{
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 767px){
  .tvw-edu-shell{
    padding: 0 12px;
  }
  .tvw-edu-hero{
    padding: 20px 16px;
    border-radius: 12px;
  }
  .tvw-edu-toc-grid,
  .tvw-mini-grid,
  .tvw-related-grid,
  .tvw-badge-grid{
    grid-template-columns: 1fr;
  }
  .tvw-edu-block,
  .tvw-edu-related,
  .tvw-edu-toc{
    padding: 18px 14px;
    border-radius: 12px;
  }
  .tvw-edu-block h2{
    font-size: 1.05rem;
  }
  .tvw-edu-block p,
  .tvw-check-list li{
    font-size: .86rem;
  }
}
@media (max-width: 480px){
  .tvw-edu-article{
    padding: 18px 0 30px;
  }
  .tvw-edu-hero h2{
    font-size: 1.2rem;
  }
  .tvw-edu-hero p{
    font-size: .86rem;
  }
  .tvw-edu-toc-grid a{
    font-size: .8rem;
    padding: 7px 9px;
  }
  .tvw-callout{
    padding: 12px 12px;
    font-size: .82rem;
  }
  .tvw-table th,
  .tvw-table td{
    padding: 9px 10px;
    font-size: .8rem;
  }
}
/* ============================================================
   RELATED CALCULATORS — prefix .tvw-rc-
   Uses Kadence CSS variables for seamless Kadence theme integration.
   Mobile-first. 3-col → 2-col → 1-col grid.
============================================================ */
.tvw-rc-wrap {
  background: var(--global-palette6, #F7F9FC);
  padding: 48px 0 52px;
  border-top: 3px solid var(--global-palette5, #E0E4E8);
}
.tvw-rc-shell {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

/* Header */
.tvw-rc-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.tvw-rc-eyebrow {
  display: block;
  font-family: Montserrat, sans-serif;
  font-size: .72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--global-palette9, #00875A);
  margin-bottom: 6px;
}
.tvw-rc-title {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.4rem, 3.5vw, 1.85rem);
  font-weight: 900;
  color: var(--global-palette1, #002868);
  margin: 0 0 10px;
  line-height: 1.2;
}
.tvw-rc-sub {
  font-family: Inter, sans-serif;
  font-size: .9rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.75;
  max-width: 680px;
  margin: 0;
}
.tvw-rc-all-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--global-palette1, #002868);
  color: #fff;
  text-decoration: none;
  font-family: Montserrat, sans-serif;
  font-size: .78rem;
  font-weight: 800;
  padding: 10px 18px;
  border-radius: 8px;
  white-space: nowrap;
  flex-shrink: 0;
  align-self: flex-start;
  margin-top: 4px;
  transition: background .2s;
}
.tvw-rc-all-link:hover { background: #003580; color: #fff; }
.tvw-rc-all-link span { font-size: 1rem; }

/* Group label */
.tvw-rc-group-label {
  margin: 28px 0 12px;
}
.tvw-rc-badge {
  display: inline-block;
  font-family: Montserrat, sans-serif;
  font-size: .72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .06em;
  padding: 5px 12px;
  border-radius: 20px;
}
.badge-ins { background: #e8f5e9; color: #1b5e20; }
.badge-inv { background: #e3f2fd; color: #0d47a1; }
.badge-tax { background: #fff3e0; color: #bf360c; }
.badge-pf  { background: #fce4ec; color: #880e4f; }

/* Card Grid */
.tvw-rc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 6px;
}

/* Cards */
.tvw-rc-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--global-palette7, #FFFFFF);
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  padding: 16px 14px;
  text-decoration: none;
  transition: border-color .2s, box-shadow .2s, transform .2s;
  cursor: pointer;
  position: relative;
}
.tvw-rc-card:hover {
  border-color: var(--global-palette1, #002868);
  box-shadow: 0 6px 22px rgba(0,40,104,.1);
  transform: translateY(-2px);
}
.tvw-rc-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.tvw-rc-card-body {
  flex: 1;
  min-width: 0;
}
.tvw-rc-card-body h3 {
  font-family: Montserrat, sans-serif;
  font-size: .84rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
  margin: 0 0 5px;
  line-height: 1.35;
}
.tvw-rc-card-body p {
  font-family: Inter, sans-serif;
  font-size: .78rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
  margin: 0;
}
.tvw-rc-arrow {
  font-size: 1.1rem;
  color: var(--global-palette9, #00875A);
  flex-shrink: 0;
  margin-top: 2px;
  font-weight: 700;
  opacity: 0;
  transition: opacity .2s, transform .2s;
  transform: translateX(-4px);
}
.tvw-rc-card:hover .tvw-rc-arrow {
  opacity: 1;
  transform: translateX(0);
}

/* Responsive breakpoints */
@media (max-width: 991px) {
  .tvw-rc-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 767px) {
  .tvw-rc-wrap {
    padding: 32px 0 38px;
  }
  .tvw-rc-header {
    flex-direction: column;
    gap: 14px;
  }
  .tvw-rc-all-link {
    align-self: stretch;
    justify-content: center;
  }
  .tvw-rc-grid {
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
  .tvw-rc-title {
    font-size: 1.35rem;
  }
}
@media (max-width: 540px) {
  .tvw-rc-grid {
    grid-template-columns: 1fr;
  }
  .tvw-rc-card {
    padding: 13px 12px;
    gap: 12px;
  }
  .tvw-rc-card-icon {
    width: 38px;
    height: 38px;
    font-size: 1.1rem;
    border-radius: 10px;
  }
  .tvw-rc-card-body h3 {
    font-size: .82rem;
  }
  .tvw-rc-card-body p {
    font-size: .76rem;
  }
  .tvw-rc-arrow {
    opacity: 1;
    transform: none;
  }
}
/* ============================================================
   LEGAL DISCLAIMER + EDITORIAL TRANSPARENCY — prefix .tvw-legal-
   Uses Kadence var(--global-paletteX) CSS variables.
   Mobile-first. Scoped. Self-contained.
============================================================ */

/* ── Wrapper ── */
.tvw-legal-wrap {
  background: var(--global-palette6, #F7F9FC);
  padding: 44px 0 48px;
  border-top: 3px solid var(--global-palette5, #E0E4E8);
}
.tvw-legal-shell {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

/* ── Section Header ── */
.tvw-legal-header {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  background: linear-gradient(135deg, #3d2c00 0%, #6b4800 100%);
  border-radius: 16px;
  padding: 22px 22px;
  margin-bottom: 20px;
  color: #fff;
}
.tvw-legal-header-icon {
  font-size: 2.4rem;
  flex-shrink: 0;
  line-height: 1;
  margin-top: 2px;
}
.tvw-legal-header-text .tvw-legal-kicker {
  font-family: Montserrat, sans-serif;
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  opacity: .75;
  display: block;
  margin-bottom: 5px;
}
.tvw-legal-header-text h2 {
  font-family: Montserrat, sans-serif;
  font-size: clamp(1.1rem, 3vw, 1.5rem);
  font-weight: 900;
  margin: 0 0 8px;
  line-height: 1.25;
}
.tvw-legal-header-text p {
  font-size: .82rem;
  line-height: 1.7;
  opacity: .88;
  margin: 0;
}

/* ── Card container ── */
.tvw-legal-card {
  background: #fff;
  border: 1.5px solid var(--global-palette5, #E0E4E8);
  border-radius: 14px;
  overflow: hidden;
  margin-bottom: 16px;
}

/* ── Card Block (each section inside) ── */
.tvw-legal-block {
  padding: 20px 22px;
  border-bottom: 1.5px solid var(--global-palette5, #E0E4E8);
}
.tvw-legal-block:last-child { border-bottom: none; }

.tvw-legal-block-title {
  display: flex;
  align-items: center;
  gap: 9px;
  font-family: Montserrat, sans-serif;
  font-size: .85rem;
  font-weight: 900;
  margin: 0 0 12px;
}
.tvw-legal-block-icon {
  width: 28px;
  height: 28px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
}
.icon-amber { background: #fff3cd; }
.icon-navy  { background: #e8eeff; color: var(--global-palette1,#002868); }
.icon-green { background: #e8f5e9; }
.icon-red   { background: #ffebee; }
.icon-blue  { background: #e3f2fd; }

.tvw-legal-block p {
  font-family: Inter, sans-serif;
  font-size: .83rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.8;
  margin: 0 0 10px;
}
.tvw-legal-block p:last-child { margin: 0; }
.tvw-legal-block strong { color: var(--global-palette3, #1D1D1F); }

/* ── Notice/alert box inside a block ── */
.tvw-legal-notice {
  border-radius: 8px;
  padding: 12px 14px;
  font-family: Inter, sans-serif;
  font-size: .8rem;
  line-height: 1.75;
  margin: 8px 0 0;
}
.tvw-legal-notice.amber {
  background: #fff8e1;
  border-left: 4px solid #D4A017;
  color: #6b4800;
}
.tvw-legal-notice.red {
  background: #ffebee;
  border-left: 4px solid var(--global-palette8, #BF0A30);
  color: #7d1830;
}
.tvw-legal-notice.green {
  background: #e8f5e9;
  border-left: 4px solid var(--global-palette9, #00875A);
  color: #185334;
}
.tvw-legal-notice.blue {
  background: #e3f2fd;
  border-left: 4px solid #1565c0;
  color: #0d3c6e;
}
.tvw-legal-notice strong {
  display: block;
  font-family: Montserrat, sans-serif;
  font-size: .76rem;
  font-weight: 800;
  margin-bottom: 3px;
  letter-spacing: .03em;
}

/* ── What this tool includes / excludes ── */
.tvw-legal-ie-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 10px;
}
.tvw-legal-ie-card {
  border-radius: 8px;
  padding: 12px 14px;
  font-size: .8rem;
  line-height: 1.75;
  color: var(--global-palette4, #5F6368);
}
.tvw-legal-ie-card strong {
  display: block;
  font-family: Montserrat, sans-serif;
  font-size: .76rem;
  font-weight: 800;
  margin-bottom: 5px;
}
.tvw-legal-ie-card.yes {
  background: #e8f5e9;
  border-left: 3px solid var(--global-palette9, #00875A);
}
.tvw-legal-ie-card.yes strong { color: #1b5e20; }
.tvw-legal-ie-card.no {
  background: #ffebee;
  border-left: 3px solid var(--global-palette8, #BF0A30);
}
.tvw-legal-ie-card.no strong { color: #7d1830; }
.tvw-legal-ie-list {
  padding-left: 16px;
  margin: 0;
}
.tvw-legal-ie-list li { margin-bottom: 5px; }

/* ── Trust badges strip ── */
.tvw-legal-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 12px;
}
.tvw-legal-badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--global-palette6, #F7F9FC);
  border: 1px solid var(--global-palette5, #E0E4E8);
  border-radius: 20px;
  padding: 4px 12px;
  font-family: Montserrat, sans-serif;
  font-size: .71rem;
  font-weight: 800;
  color: var(--global-palette1, #002868);
}
.tvw-legal-badge .chk { color: var(--global-palette9, #00875A); font-size: .9rem; }

/* ── Methodology data rows ── */
.tvw-legal-meth-list {
  list-style: none;
  padding: 0;
  margin: 8px 0 0;
  display: flex;
  flex-direction: column;
  gap: 7px;
}
.tvw-legal-meth-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-family: Inter, sans-serif;
  font-size: .81rem;
  color: var(--global-palette4, #5F6368);
  line-height: 1.65;
}
.tvw-legal-meth-list .ml-dot {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--global-palette1, #002868);
  color: #fff;
  font-size: .6rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  font-family: Montserrat, sans-serif;
}

/* ── Last reviewed bar ── */
.tvw-legal-meta-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  background: var(--global-palette6, #F7F9FC);
  border-top: 1px solid var(--global-palette5, #E0E4E8);
  padding: 12px 22px;
  font-family: Inter, sans-serif;
  font-size: .76rem;
  color: var(--global-palette4, #5F6368);
}
.tvw-legal-meta-bar span strong {
  font-family: Montserrat, sans-serif;
  color: var(--global-palette3, #1D1D1F);
}

/* ══════════════════════════════════════════
   OFFICIAL RESOURCES BLOCK
══════════════════════════════════════════ */
.tvw-legal-gov-wrap {
  background: var(--global-palette1, #002868);
  border-radius: 16px;
  padding: 24px 22px;
  margin-top: 8px;
}
.tvw-legal-gov-header {
  margin-bottom: 16px;
}
.tvw-legal-gov-kicker {
  font-family: Montserrat, sans-serif;
  font-size: .68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,.65);
  display: block;
  margin-bottom: 5px;
}
.tvw-legal-gov-title {
  font-family: Montserrat, sans-serif;
  font-size: clamp(.95rem, 2.5vw, 1.2rem);
  font-weight: 900;
  color: #fff;
  margin: 0 0 6px;
}
.tvw-legal-gov-sub {
  font-size: .8rem;
  color: rgba(255,255,255,.75);
  line-height: 1.65;
  margin: 0;
  font-family: Inter, sans-serif;
}

/* Category group labels */
.tvw-legal-gov-group {
  margin-top: 18px;
}
.tvw-legal-gov-group-label {
  font-family: Montserrat, sans-serif;
  font-size: .68rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,.5);
  margin-bottom: 8px;
  padding-bottom: 6px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

/* Gov link cards */
.tvw-legal-gov-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
.tvw-legal-gov-card {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 12px;
  padding: 13px 13px;
  text-decoration: none;
  transition: background .2s, border-color .2s, transform .2s;
}
.tvw-legal-gov-card:hover {
  background: rgba(255,255,255,.13);
  border-color: rgba(255,255,255,.28);
  transform: translateY(-2px);
}
.tvw-legal-gov-card-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.tvw-legal-gov-card-body { flex: 1; min-width: 0; }
.tvw-legal-gov-card-body strong {
  display: block;
  font-family: Montserrat, sans-serif;
  font-size: .8rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 3px;
  line-height: 1.35;
}
.tvw-legal-gov-card-body span {
  font-family: Inter, sans-serif;
  font-size: .72rem;
  color: rgba(255,255,255,.7);
  line-height: 1.55;
  display: block;
}
.tvw-legal-gov-card-ext {
  font-size: .65rem;
  color: rgba(255,255,255,.45);
  display: block;
  margin-top: 3px;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  font-family: Inter, sans-serif;
}

/* Bottom note */
.tvw-legal-bottom-note {
  margin-top: 16px;
  text-align: center;
  font-family: Inter, sans-serif;
  font-size: .75rem;
  color: rgba(255,255,255,.55);
  line-height: 1.7;
}
.tvw-legal-bottom-note a {
  color: rgba(255,255,255,.8);
  text-decoration: underline;
}

/* ── RESPONSIVE ── */
@media (max-width: 991px) {
  .tvw-legal-gov-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 767px) {
  .tvw-legal-wrap { padding: 28px 0 34px; }
  .tvw-legal-header { flex-direction: column; gap: 10px; padding: 18px 16px; }
  .tvw-legal-ie-grid { grid-template-columns: 1fr; }
  .tvw-legal-gov-grid { grid-template-columns: 1fr 1fr; }
  .tvw-legal-block { padding: 16px 16px; }
  .tvw-legal-gov-wrap { padding: 18px 14px; }
}
@media (max-width: 540px) {
  .tvw-legal-gov-grid { grid-template-columns: 1fr; }
  .tvw-legal-meta-bar { flex-direction: column; gap: 5px; padding: 10px 14px; }
  .tvw-legal-badges { gap: 6px; }
  .tvw-legal-badge { font-size: .68rem; padding: 3px 10px; }
  .tvw-legal-header-text h2 { font-size: 1rem; }
  .tvw-legal-block { padding: 14px 12px; }
  .tvw-legal-gov-card { padding: 11px 11px; gap: 9px; }
  .tvw-legal-gov-card-icon { width: 32px; height: 32px; font-size: 1rem; }
  .tvw-legal-gov-card-body strong { font-size: .76rem; }
  .tvw-legal-gov-card-body span { font-size: .69rem; }
}