/* =====================================================
   TIPPING CALCULATOR — CSS
   USFinanceCalculators.com | Kadence Integration
   ===================================================== */
:root {
  --tp-blue:    var(--global-palette1, #002868);
  --tp-charcoal:var(--global-palette3, #1D1D1F);
  --tp-gray:    var(--global-palette4, #5F6368);
  --tp-border:  var(--global-palette5, #E0E4E8);
  --tp-bg:      var(--global-palette6, #F7F9FC);
  --tp-white:   var(--global-palette7, #FFFFFF);
  --tp-red:     var(--global-palette8, #BF0A30);
  --tp-green:   var(--global-palette9, #00875A);
  --tp-amber:   #D97706;
  --tp-purple:  #7C3AED;
  --tp-teal:    #0891B2;
  --tp-orange:  #EA580C;
  --tp-gold:    #B45309;
}

#tpWrapper {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1100px; margin: 0 auto;
  color: var(--tp-charcoal); -webkit-font-smoothing: antialiased;
}

/* ---- HEADER ---- */
.tp-header {
  background: linear-gradient(135deg, #001A0A 0%, #003318 45%, #005522 100%);
  border-radius: 18px; padding: 36px 32px 28px;
  text-align: center; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.tp-header::before {
  content:''; position:absolute; inset:0;
  background: radial-gradient(ellipse at 15% 60%, rgba(0,135,90,0.18) 0%, transparent 55%),
              radial-gradient(ellipse at 85% 40%, rgba(180,83,9,0.12) 0%, transparent 55%);
  pointer-events:none;
}
.tp-header::after {
  content:''; position:absolute; inset:0;
  background-image: linear-gradient(rgba(255,255,255,0.025) 1px,transparent 1px),
                    linear-gradient(90deg,rgba(255,255,255,0.025) 1px,transparent 1px);
  background-size: 44px 44px; pointer-events:none;
}
.tp-obbba-badge {
  display:inline-flex; align-items:center; gap:6px;
  background:rgba(0,135,90,0.2); border:1px solid rgba(0,135,90,0.4);
  color:#6ee7b7; font-size:0.68rem; font-weight:700;
  padding:4px 12px; border-radius:20px; letter-spacing:0.04em;
  margin-bottom:14px; position:relative; z-index:1;
}
.tp-header-icon { font-size:2.6rem; display:block; margin-bottom:12px; position:relative; z-index:1; }
.tp-title {
  font-family:'Montserrat','Inter',sans-serif !important;
  font-size:clamp(1.35rem,3vw,2rem) !important; font-weight:800 !important;
  color:#fff !important; margin:0 0 10px !important; line-height:1.2 !important;
  position:relative; z-index:1;
}
.tp-subtitle { font-size:0.87rem; color:rgba(255,255,255,0.72); max-width:800px; margin:0 auto 22px; line-height:1.65; position:relative; z-index:1; }
.tp-badges { display:flex; flex-wrap:wrap; gap:8px; justify-content:center; position:relative; z-index:1; }
.tp-badge { background:rgba(255,255,255,0.1); border:1px solid rgba(255,255,255,0.2); color:rgba(255,255,255,0.88); font-size:0.7rem; font-weight:600; padding:4px 11px; border-radius:20px; letter-spacing:0.02em; }

/* ---- MAIN TABS ---- */
.tp-tabs { display:grid; grid-template-columns:repeat(5,1fr); gap:6px; margin-bottom:24px; }
.tp-tab {
  padding:10px 6px; border:1.5px solid var(--tp-border);
  background:var(--tp-white); color:var(--tp-gray);
  font-family:'Montserrat','Inter',sans-serif; font-size:0.68rem; font-weight:700;
  border-radius:10px; cursor:pointer; transition:all 0.2s;
  text-align:center; letter-spacing:0.02em; line-height:1.35;
}
.tp-tab .tp-ti { font-size:1.3rem; display:block; margin-bottom:4px; }
.tp-tab.active { background:var(--tp-green); color:#fff; border-color:var(--tp-green); box-shadow:0 3px 12px rgba(0,135,90,0.25); }

/* ---- TAB CONTENT ---- */
.tp-content { display:none; }
.tp-content.active { display:block; }

/* ---- GRID ---- */
.tp-grid { display:grid; grid-template-columns:1fr 1fr; gap:24px; align-items:start; }
.tp-panel { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:16px; padding:24px; }
.tp-result-panel { background:var(--tp-bg); border:1px solid var(--tp-border); border-radius:16px; padding:24px; }

/* ---- SECTION LABEL ---- */
.tp-sec { font-family:'Montserrat','Inter',sans-serif; font-size:0.7rem; font-weight:700; letter-spacing:0.08em; text-transform:uppercase; color:var(--tp-green); margin:0 0 14px; padding-bottom:8px; border-bottom:2px solid var(--tp-border); display:flex; align-items:center; gap:7px; }
.tp-sec.blue { color:var(--tp-blue); }
.tp-sec.amber { color:var(--tp-amber); }
.tp-sec.purple { color:var(--tp-purple); }
.tp-sec.red { color:var(--tp-red); }
.tp-gap { margin-top:20px; }

/* ---- FORM ---- */
.tp-r2 { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.tp-r3 { display:grid; grid-template-columns:1fr 1fr 1fr; gap:8px; }
.tp-field { margin-bottom:10px; }
.tp-field:last-child { margin-bottom:0; }
.tp-field label { display:block; font-size:0.74rem; font-weight:600; color:var(--tp-charcoal); margin-bottom:4px; }
.tp-field label .h { font-weight:400; color:var(--tp-gray); font-size:0.68rem; }
.tp-iw { display:flex; align-items:center; border:1.5px solid var(--tp-border); border-radius:8px; overflow:hidden; background:var(--tp-white); transition:border-color 0.2s; }
.tp-iw:focus-within { border-color:var(--tp-green); }
.tp-pre,.tp-suf { background:var(--tp-bg); color:var(--tp-gray); font-size:0.78rem; font-weight:600; padding:0 8px; height:38px; display:flex; align-items:center; flex-shrink:0; border-right:1.5px solid var(--tp-border); }
.tp-suf { border-right:none; border-left:1.5px solid var(--tp-border); }
.tp-iw input,.tp-iw select { flex:1; height:38px; border:none; outline:none; background:transparent; font-size:0.84rem; color:var(--tp-charcoal); padding:0 8px; min-width:0; }
.tp-sel { width:100%; height:38px; border:1.5px solid var(--tp-border); border-radius:8px; background:var(--tp-white); font-size:0.82rem; color:var(--tp-charcoal); padding:0 8px; outline:none; cursor:pointer; transition:border-color 0.2s; }
.tp-sel:focus { border-color:var(--tp-green); }

/* ---- TIP PRESET BUTTONS ---- */
.tp-presets { display:flex; gap:6px; flex-wrap:wrap; margin-bottom:12px; }
.tp-preset { padding:6px 14px; border:1.5px solid var(--tp-border); background:var(--tp-white); color:var(--tp-gray); font-family:'Montserrat','Inter',sans-serif; font-size:0.74rem; font-weight:700; border-radius:8px; cursor:pointer; transition:all 0.2s; }
.tp-preset:hover { border-color:var(--tp-green); color:var(--tp-green); }
.tp-preset.active { background:var(--tp-green); color:#fff; border-color:var(--tp-green); }
.tp-preset.custom-active { background:var(--tp-blue); color:#fff; border-color:var(--tp-blue); }

/* ---- HERO OUTPUT ---- */
.tp-hero { background:linear-gradient(135deg,#001A0A,#005522); border-radius:14px; padding:20px; text-align:center; margin-bottom:16px; position:relative; overflow:hidden; }
.tp-hero::after { content:''; position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,0.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.02) 1px,transparent 1px); background-size:40px 40px; pointer-events:none; }
.tp-hero-eyebrow { font-size:0.67rem; font-weight:700; letter-spacing:0.12em; text-transform:uppercase; color:rgba(255,255,255,0.5); margin-bottom:5px; position:relative; z-index:1; }
.tp-hero-tip { font-family:'Montserrat','Inter',sans-serif; font-size:clamp(2.2rem,5vw,3.2rem); font-weight:900; color:#4ade80; line-height:1; margin-bottom:4px; position:relative; z-index:1; }
.tp-hero-total { font-family:'Montserrat','Inter',sans-serif; font-size:1.1rem; font-weight:700; color:rgba(255,255,255,0.8); position:relative; z-index:1; }
.tp-hero-pills { display:flex; gap:8px; justify-content:center; margin-top:12px; flex-wrap:wrap; position:relative; z-index:1; }
.tp-hero-pill { background:rgba(255,255,255,0.12); border:1px solid rgba(255,255,255,0.2); color:rgba(255,255,255,0.88); font-size:0.7rem; font-weight:600; padding:4px 12px; border-radius:20px; }

/* ---- BENCHMARK BADGE ---- */
.tp-bench { border-radius:10px; padding:10px 14px; margin-bottom:14px; display:flex; align-items:center; gap:10px; font-size:0.8rem; line-height:1.5; }
.tp-bench.low    { background:#FFF5F7; border:1px solid rgba(191,10,48,0.25); }
.tp-bench.avg    { background:#FFFBEB; border:1px solid rgba(217,119,6,0.3); }
.tp-bench.good   { background:#F0FBF6; border:1px solid rgba(0,135,90,0.25); }
.tp-bench.great  { background:#F0F9FF; border:1px solid rgba(8,145,178,0.25); }
.tp-bench-icon { font-size:1.4rem; flex-shrink:0; }
.tp-bench-text strong { font-weight:700; display:block; margin-bottom:1px; }

/* ---- STATS ---- */
.tp-stats { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:16px; }
.tp-stat { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:10px; padding:11px 13px; text-align:center; }
.tp-stat.green  { border-color:rgba(0,135,90,0.25);  background:#F0FBF6; }
.tp-stat.blue   { border-color:rgba(0,40,104,0.2);   background:#EFF6FF; }
.tp-stat.amber  { border-color:rgba(217,119,6,0.25); background:#FFFBEB; }
.tp-stat.purple { border-color:rgba(124,58,237,0.2); background:#F5F3FF; }
.tp-stat-lbl { font-size:0.62rem; font-weight:600; letter-spacing:0.05em; text-transform:uppercase; color:var(--tp-gray); margin-bottom:3px; }
.tp-stat-val { font-family:'Montserrat','Inter',sans-serif; font-size:1rem; font-weight:800; }
.tp-stat.green  .tp-stat-val { color:var(--tp-green);  }
.tp-stat.blue   .tp-stat-val { color:var(--tp-blue);   }
.tp-stat.amber  .tp-stat-val { color:var(--tp-amber);  }
.tp-stat.purple .tp-stat-val { color:var(--tp-purple); }

/* ---- PRE/POST TAX COMPARISON ---- */
.tp-tax-compare { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:10px; padding:13px 15px; margin-bottom:16px; font-size:0.8rem; }
.tp-tc-title { font-family:'Montserrat','Inter',sans-serif; font-size:0.68rem; font-weight:700; letter-spacing:0.07em; text-transform:uppercase; color:var(--tp-blue); margin-bottom:10px; }
.tp-tc-row { display:flex; justify-content:space-between; padding:5px 0; border-bottom:1px solid var(--tp-bg); }
.tp-tc-row:last-child { border-bottom:none; }
.tp-tc-lbl { color:var(--tp-gray); }
.tp-tc-val { font-weight:700; font-family:'Montserrat','Inter',sans-serif; }
.tp-tc-val.green { color:var(--tp-green); }

/* ---- SERVICE GUIDE ---- */
.tp-guide-box { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:10px; padding:13px 15px; margin-bottom:16px; font-size:0.78rem; line-height:1.6; }
.tp-guide-title { font-family:'Montserrat','Inter',sans-serif; font-size:0.68rem; font-weight:700; letter-spacing:0.07em; text-transform:uppercase; color:var(--tp-amber); margin-bottom:8px; }

/* ---- GROUP SPLIT ---- */
.tp-person-block { background:var(--tp-bg); border:1px solid var(--tp-border); border-radius:10px; padding:12px 14px; margin-bottom:8px; }
.tp-person-hdr { display:flex; align-items:center; gap:8px; margin-bottom:10px; }
.tp-person-lbl { font-family:'Montserrat','Inter',sans-serif; font-size:0.68rem; font-weight:800; letter-spacing:0.06em; text-transform:uppercase; padding:2px 10px; border-radius:20px; }
.tp-person-rm { margin-left:auto; background:transparent; border:none; color:var(--tp-gray); font-size:1rem; cursor:pointer; padding:2px 6px; border-radius:6px; transition:all 0.15s; }
.tp-person-rm:hover { background:#FFF5F7; color:var(--tp-red); }
.tp-add-btn { width:100%; padding:9px; background:transparent; border:1.5px dashed var(--tp-border); border-radius:9px; color:var(--tp-green); font-size:0.78rem; font-weight:600; cursor:pointer; transition:all 0.2s; margin-bottom:14px; display:flex; align-items:center; justify-content:center; gap:5px; }
.tp-add-btn:hover { border-color:var(--tp-green); background:rgba(0,135,90,0.04); }

/* ---- SPLIT RESULTS TABLE ---- */
.tp-split-tbl-wrap { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:10px; overflow:hidden; margin-bottom:14px; }
.tp-split-tbl { width:100%; border-collapse:collapse; font-size:0.8rem; }
.tp-split-tbl thead tr { background:var(--tp-green); }
.tp-split-tbl thead th { padding:8px 10px; color:#fff; font-size:0.67rem; font-weight:700; letter-spacing:0.04em; text-transform:uppercase; text-align:right; }
.tp-split-tbl thead th:first-child { text-align:left; }
.tp-split-tbl tbody tr:nth-child(even) { background:var(--tp-bg); }
.tp-split-tbl tbody td { padding:9px 10px; text-align:right; color:var(--tp-charcoal); }
.tp-split-tbl tbody td:first-child { text-align:left; font-weight:600; }
.tp-split-tbl tfoot td { padding:9px 10px; background:var(--tp-charcoal); color:#fff; font-weight:800; text-align:right; font-family:'Montserrat','Inter',sans-serif; }
.tp-split-tbl tfoot td:first-child { text-align:left; }

/* ---- ANNUAL TRACKER ---- */
.tp-annual-bars { margin-bottom:14px; }
.tp-ab-row { display:flex; align-items:center; gap:8px; margin-bottom:8px; }
.tp-ab-label { font-size:0.74rem; font-weight:600; color:var(--tp-charcoal); min-width:120px; }
.tp-ab-bar-wrap { flex:1; background:var(--tp-bg); border-radius:5px; height:20px; overflow:hidden; }
.tp-ab-bar { height:100%; border-radius:5px; display:flex; align-items:center; justify-content:flex-end; padding-right:7px; transition:width 0.5s; }
.tp-ab-val { font-size:0.68rem; font-weight:800; color:#fff; white-space:nowrap; }

/* ---- OBBBA HERO ---- */
.tp-obbba-hero { background:linear-gradient(135deg,#2e0070,var(--tp-purple)); border-radius:14px; padding:20px; text-align:center; margin-bottom:16px; position:relative; overflow:hidden; }
.tp-obbba-hero::after { content:''; position:absolute; inset:0; background-image:linear-gradient(rgba(255,255,255,0.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.02) 1px,transparent 1px); background-size:40px 40px; pointer-events:none; }
.tp-obbba-eyebrow { font-size:0.67rem; font-weight:700; letter-spacing:0.12em; text-transform:uppercase; color:rgba(255,255,255,0.55); margin-bottom:5px; position:relative; z-index:1; }
.tp-obbba-saving { font-family:'Montserrat','Inter',sans-serif; font-size:clamp(2rem,4vw,2.8rem); font-weight:900; color:#c4b5fd; line-height:1; margin-bottom:4px; position:relative; z-index:1; }
.tp-obbba-sub { font-size:0.78rem; color:rgba(255,255,255,0.7); position:relative; z-index:1; }
.tp-obbba-progress-wrap { background:rgba(255,255,255,0.15); border-radius:8px; height:14px; overflow:hidden; margin:12px 0 4px; position:relative; z-index:1; }
.tp-obbba-progress-bar { height:100%; border-radius:8px; background:linear-gradient(90deg,#a78bfa,#7c3aed); transition:width 0.5s; }
.tp-obbba-progress-label { font-size:0.7rem; color:rgba(255,255,255,0.65); position:relative; z-index:1; }

/* ---- BIZ PANELS ---- */
.tp-biz-grid { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:14px; }
.tp-biz-block { background:var(--tp-bg); border-radius:9px; padding:12px 14px; }
.tp-biz-block-label { font-size:0.65rem; font-weight:700; text-transform:uppercase; letter-spacing:0.06em; color:var(--tp-gray); margin-bottom:4px; }
.tp-biz-block-val { font-family:'Montserrat','Inter',sans-serif; font-size:1.1rem; font-weight:900; }
.tp-biz-block.green .tp-biz-block-val { color:var(--tp-green); }
.tp-biz-block.blue  .tp-biz-block-val { color:var(--tp-blue); }
.tp-biz-block.amber .tp-biz-block-val { color:var(--tp-amber); }

/* ---- TIP POOL TABLE ---- */
.tp-pool-tbl-wrap { background:var(--tp-white); border:1px solid var(--tp-border); border-radius:10px; overflow:hidden; margin-bottom:14px; }
.tp-pool-tbl { width:100%; border-collapse:collapse; font-size:0.8rem; }
.tp-pool-tbl thead tr { background:var(--tp-orange); }
.tp-pool-tbl thead th { padding:8px 10px; color:#fff; font-size:0.67rem; font-weight:700; letter-spacing:0.04em; text-transform:uppercase; text-align:right; }
.tp-pool-tbl thead th:first-child { text-align:left; }
.tp-pool-tbl tbody tr:nth-child(even) { background:var(--tp-bg); }
.tp-pool-tbl tbody td { padding:8px 10px; text-align:right; color:var(--tp-charcoal); }
.tp-pool-tbl tbody td:first-child { text-align:left; font-weight:600; }
.tp-pool-tbl tfoot td { padding:9px 10px; background:var(--tp-orange); color:#fff; font-weight:800; text-align:right; font-family:'Montserrat','Inter',sans-serif; }
.tp-pool-tbl tfoot td:first-child { text-align:left; }

/* ---- EVENT TABLE ---- */
.tp-event-block { background:var(--tp-bg); border:1px solid var(--tp-border); border-radius:10px; padding:12px 14px; margin-bottom:8px; }
.tp-event-rm { background:transparent; border:none; color:var(--tp-gray); font-size:1rem; cursor:pointer; padding:2px 6px; border-radius:6px; transition:all 0.15s; float:right; }
.tp-event-rm:hover { color:var(--tp-red); }

/* ---- INFO / WARN BOX ---- */
.tp-info { background:#EFF6FF; border:1px solid rgba(2,132,199,0.25); border-radius:9px; padding:10px 14px; margin-bottom:12px; font-size:0.77rem; line-height:1.55; color:#1E40AF; display:flex; gap:8px; }
.tp-warn { background:#FFFBEB; border:1px solid rgba(217,119,6,0.3); border-radius:9px; padding:10px 14px; margin-bottom:12px; font-size:0.77rem; line-height:1.55; color:var(--tp-charcoal); display:flex; gap:8px; }

/* ---- AD ---- */
.ad-container.ad-in-calc { background:var(--tp-bg); border:1.5px dashed var(--tp-border); border-radius:10px; min-height:90px; display:flex; align-items:center; justify-content:center; color:var(--tp-gray); font-size:0.72rem; margin:18px 0; }

/* ---- BUTTONS ---- */
.tp-calc-btn { width:100%; padding:13px; background:var(--tp-green); color:#fff; font-family:'Montserrat','Inter',sans-serif; font-size:0.95rem; font-weight:800; border:none; border-radius:10px; cursor:pointer; letter-spacing:0.04em; transition:all 0.2s; display:flex; align-items:center; justify-content:center; gap:8px; }
.tp-calc-btn:hover { background:#006644; transform:translateY(-1px); box-shadow:0 6px 20px rgba(0,135,90,0.3); }
.tp-err { background:#FFF5F7; border:1.5px solid var(--tp-red); border-radius:9px; padding:9px 13px; margin-bottom:12px; font-size:0.8rem; color:var(--tp-red); display:none; gap:7px; align-items:center; }
.tp-err.show { display:flex; }
.tp-disc { font-size:0.67rem; color:var(--tp-gray); line-height:1.55; text-align:center; margin-top:12px; padding-top:12px; border-top:1px solid var(--tp-border); }

/* ---- ACTION ROW ---- */
.tp-action-row { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:14px; }
.tp-wa-btn { padding:10px 12px; border:none; border-radius:9px; font-family:'Montserrat','Inter',sans-serif; font-size:0.76rem; font-weight:700; cursor:pointer; display:flex; align-items:center; justify-content:center; gap:6px; transition:all 0.2s; background:#25D366; color:#fff; }
.tp-wa-btn:hover { background:#128C7E; transform:translateY(-1px); }
.tp-share-btn { padding:10px 12px; border:1.5px solid var(--tp-border); border-radius:9px; font-family:'Montserrat','Inter',sans-serif; font-size:0.76rem; font-weight:700; cursor:pointer; display:flex; align-items:center; justify-content:center; gap:6px; transition:all 0.2s; background:var(--tp-white); color:var(--tp-gray); }
.tp-share-btn:hover { border-color:var(--tp-blue); color:var(--tp-blue); }

/* ---- EMPTY STATE ---- */
.tp-empty { text-align:center; padding:40px 20px; color:var(--tp-gray); }
.tp-empty-icon { font-size:2.5rem; display:block; margin-bottom:12px; opacity:0.3; }

/* ---- RESPONSIVE ---- */
@media (max-width:900px) { .tp-grid { grid-template-columns:1fr; } }
@media (max-width:768px) { .tp-tabs { grid-template-columns:repeat(3,1fr); } .tp-r2,.tp-r3 { grid-template-columns:1fr; } .tp-action-row { grid-template-columns:1fr; } .tp-biz-grid { grid-template-columns:1fr; } .tp-stats { grid-template-columns:1fr 1fr; } }
@media (max-width:480px) { .tp-tabs { grid-template-columns:repeat(2,1fr); } .tp-stats { grid-template-columns:1fr; } .tp-presets { gap:4px; } .tp-preset { padding:5px 10px; font-size:0.7rem; } }

/* =====================================================
   SECTION 6: REAL US EXAMPLES — Card Styles
   ===================================================== */
.tc-ex-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(320px, 100%), 1fr));
  gap: 16px;
}
.tc-ex-card {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,40,104,0.06);
  transition: box-shadow 0.22s, transform 0.22s;
}
.tc-ex-card:hover {
  box-shadow: 0 8px 28px rgba(0,40,104,0.13);
  transform: translateY(-3px);
}

/* Colored top bar */
.tc-ex-top {
  padding: 14px 16px 12px;
  position: relative;
}
.tc-ex-top.blue   { background: linear-gradient(135deg, #001840 0%, #002868 100%); }
.tc-ex-top.green  { background: linear-gradient(135deg, #013b1f 0%, #00875A 100%); }
.tc-ex-top.red    { background: linear-gradient(135deg, #5c0014 0%, #BF0A30 100%); }
.tc-ex-top.amber  { background: linear-gradient(135deg, #451a03 0%, #D97706 100%); }
.tc-ex-top.purple { background: linear-gradient(135deg, #2e1065 0%, #7C3AED 100%); }

.tc-ex-city-row {
  display: flex; align-items: center; gap: 10px; flex-wrap: wrap;
}
.tc-ex-flag   { font-size: 1.6rem; flex-shrink: 0; line-height: 1; }
.tc-ex-city   {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem; font-weight: 800;
  color: #fff; line-height: 1.2; margin-bottom: 2px;
}
.tc-ex-type   { font-size: 0.72rem; color: rgba(255,255,255,0.72); line-height: 1.3; }
.tc-ex-city-row .tc-badge-pill { margin-left: auto; flex-shrink: 0; }

/* Body */
.tc-ex-body { padding: 14px 16px 15px; }
.tc-ex-scenario {
  font-size: 0.78rem; color: var(--tp-gray, #5F6368);
  line-height: 1.65; margin-bottom: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--tp-border, #E0E4E8);
}
.tc-ex-scenario p { margin: 0; }

/* Math rows */
.tc-ex-math {
  display: flex; flex-direction: column; gap: 6px;
  margin-bottom: 12px;
}
.tc-ex-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.79rem; color: var(--tp-gray, #5F6368);
  padding: 2px 0;
}
.tc-ex-row.highlight {
  background: rgba(0,135,90,0.07);
  border-radius: 7px; padding: 5px 8px; margin: 2px -4px;
  font-weight: 700;
}
.tc-ex-row.highlight.warning {
  background: rgba(217,119,6,0.08);
}
.tc-ex-row.bold-row {
  border-top: 1px solid var(--tp-border, #E0E4E8);
  padding-top: 6px; margin-top: 2px;
}
.tc-ex-row.subtle { opacity: 0.65; font-size: 0.73rem; }
.subtle-label { font-size: 0.69rem; color: var(--tp-gray,#5F6368); font-style: italic; }
.tc-ex-val        { font-weight: 600; color: var(--tp-charcoal, #1D1D1F); white-space: nowrap; margin-left: 8px; }
.tc-ex-val.green  { color: var(--tp-green, #00875A); }
.tc-ex-val.amber  { color: var(--tp-amber, #D97706); }
.tc-ex-val.purple { color: var(--tp-purple, #7C3AED); font-size: 0.71rem; }
.tc-ex-val.bold   { font-family: 'Montserrat','Inter',sans-serif; font-weight: 800; font-size: 0.92rem; color: var(--tp-charcoal,#1D1D1F); }

/* Insight strip */
.tc-ex-insight {
  display: flex; align-items: flex-start; gap: 8px;
  padding: 10px 12px; border-radius: 9px;
  font-size: 0.75rem; line-height: 1.6;
}
.tc-ex-insight.blue   { background: rgba(0,40,104,0.05);   color: #1e3a5f; border: 1px solid rgba(0,40,104,0.12); }
.tc-ex-insight.green  { background: rgba(0,135,90,0.07);   color: #064e2a; border: 1px solid rgba(0,135,90,0.18); }
.tc-ex-insight.red    { background: rgba(191,10,48,0.06);  color: #5c0014; border: 1px solid rgba(191,10,48,0.15); }
.tc-ex-insight.amber  { background: rgba(217,119,6,0.07);  color: #451a03; border: 1px solid rgba(217,119,6,0.18); }
.tc-ex-insight.purple { background: rgba(124,58,237,0.07); color: #2e1065; border: 1px solid rgba(124,58,237,0.18); }
.tc-ex-insight-icon   { font-size: 0.9rem; flex-shrink: 0; margin-top: 1px; }

/* Filter: hide/show cards */
.tc-ex-card.hidden { display: none; }

/* Mobile */
@media (max-width: 680px) {
  .tc-ex-grid { grid-template-columns: 1fr; gap: 12px; }
  .tc-ex-city { font-size: 0.82rem; }
  .tc-ex-type { font-size: 0.68rem; }
}
@media (max-width: 480px) {
  .tc-ex-top { padding: 12px 14px 10px; }
  .tc-ex-body { padding: 12px 14px 13px; }
}


/* =====================================================
   SECTION 7: PRO & EXPERT TIPS — Styles
   ===================================================== */

/* ---- Expert Tip Banner Cards ---- */
.tc-pro-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(330px, 100%), 1fr));
  gap: 16px;
  margin-bottom: 20px;
}

.tc-pro-card {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 1px 4px rgba(0,40,104,0.06);
  transition: box-shadow 0.22s, transform 0.22s;
  display: flex;
  flex-direction: column;
}
.tc-pro-card:hover {
  box-shadow: 0 8px 30px rgba(0,40,104,0.13);
  transform: translateY(-3px);
}

/* Left colored accent bar */
.tc-pro-card-inner {
  display: flex;
  gap: 0;
  flex: 1;
}
.tc-pro-accent {
  width: 5px;
  flex-shrink: 0;
  border-radius: 0;
}
.tc-pro-accent.green  { background: linear-gradient(180deg, var(--tp-green,#00875A), #34d399); }
.tc-pro-accent.blue   { background: linear-gradient(180deg, var(--tp-blue,#002868), #3b82f6); }
.tc-pro-accent.amber  { background: linear-gradient(180deg, var(--tp-amber,#D97706), #fbbf24); }
.tc-pro-accent.red    { background: linear-gradient(180deg, var(--tp-red,#BF0A30), #f87171); }
.tc-pro-accent.purple { background: linear-gradient(180deg, var(--tp-purple,#7C3AED), #a78bfa); }
.tc-pro-accent.teal   { background: linear-gradient(180deg, var(--tp-teal,#0891B2), #38bdf8); }

.tc-pro-content {
  padding: 18px 18px 18px 16px;
  flex: 1;
}

/* Pro number badge */
.tc-pro-num-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}
.tc-pro-num {
  width: 28px; height: 28px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.78rem; font-weight: 800;
  flex-shrink: 0;
}
.green  .tc-pro-num { background: rgba(0,135,90,0.12);   color: var(--tp-green,#00875A); }
.blue   .tc-pro-num { background: rgba(0,40,104,0.10);   color: var(--tp-blue,#002868); }
.amber  .tc-pro-num { background: rgba(217,119,6,0.12);  color: var(--tp-amber,#D97706); }
.red    .tc-pro-num { background: rgba(191,10,48,0.10);  color: var(--tp-red,#BF0A30); }
.purple .tc-pro-num { background: rgba(124,58,237,0.10); color: var(--tp-purple,#7C3AED); }
.teal   .tc-pro-num { background: rgba(8,145,178,0.10);  color: var(--tp-teal,#0891B2); }

.tc-pro-source {
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase;
}
.green  .tc-pro-source { color: var(--tp-green,#00875A); }
.blue   .tc-pro-source { color: var(--tp-blue,#002868); }
.amber  .tc-pro-source { color: var(--tp-amber,#D97706); }
.red    .tc-pro-source { color: var(--tp-red,#BF0A30); }
.purple .tc-pro-source { color: var(--tp-purple,#7C3AED); }
.teal   .tc-pro-source { color: var(--tp-teal,#0891B2); }

.tc-pro-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.92rem; font-weight: 800;
  color: var(--tp-charcoal,#1D1D1F);
  line-height: 1.25; margin: 0 0 8px;
}

.tc-pro-body {
  font-size: 0.79rem;
  color: var(--tp-gray,#5F6368);
  line-height: 1.72;
  margin: 0 0 12px;
}
.tc-pro-body strong { color: var(--tp-charcoal,#1D1D1F); }

/* Action checklist inside card */
.tc-pro-checklist {
  list-style: none; padding: 0; margin: 0 0 12px;
  display: flex; flex-direction: column; gap: 5px;
}
.tc-pro-checklist li {
  display: flex; align-items: flex-start; gap: 7px;
  font-size: 0.76rem; color: var(--tp-charcoal,#1D1D1F); line-height: 1.5;
}
.tc-pro-check {
  width: 16px; height: 16px; border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.6rem; flex-shrink: 0; margin-top: 1px;
}
.green  .tc-pro-check { background: rgba(0,135,90,0.14);   color: var(--tp-green,#00875A); }
.blue   .tc-pro-check { background: rgba(0,40,104,0.10);   color: var(--tp-blue,#002868); }
.amber  .tc-pro-check { background: rgba(217,119,6,0.12);  color: var(--tp-amber,#D97706); }
.red    .tc-pro-check { background: rgba(191,10,48,0.10);  color: var(--tp-red,#BF0A30); }
.purple .tc-pro-check { background: rgba(124,58,237,0.10); color: var(--tp-purple,#7C3AED); }
.teal   .tc-pro-check { background: rgba(8,145,178,0.10);  color: var(--tp-teal,#0891B2); }

/* Key stat callout inside card */
.tc-pro-stat-box {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px; border-radius: 10px;
  margin-top: 4px;
}
.green  .tc-pro-stat-box { background: rgba(0,135,90,0.07);   border: 1px solid rgba(0,135,90,0.18); }
.blue   .tc-pro-stat-box { background: rgba(0,40,104,0.05);   border: 1px solid rgba(0,40,104,0.13); }
.amber  .tc-pro-stat-box { background: rgba(217,119,6,0.07);  border: 1px solid rgba(217,119,6,0.18); }
.red    .tc-pro-stat-box { background: rgba(191,10,48,0.06);  border: 1px solid rgba(191,10,48,0.15); }
.purple .tc-pro-stat-box { background: rgba(124,58,237,0.07); border: 1px solid rgba(124,58,237,0.18); }
.teal   .tc-pro-stat-box { background: rgba(8,145,178,0.07);  border: 1px solid rgba(8,145,178,0.18); }

.tc-pro-stat-num {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 1.5rem; font-weight: 800; line-height: 1; flex-shrink: 0;
}
.green  .tc-pro-stat-num { color: var(--tp-green,#00875A); }
.blue   .tc-pro-stat-num { color: var(--tp-blue,#002868); }
.amber  .tc-pro-stat-num { color: var(--tp-amber,#D97706); }
.red    .tc-pro-stat-num { color: var(--tp-red,#BF0A30); }
.purple .tc-pro-stat-num { color: var(--tp-purple,#7C3AED); }
.teal   .tc-pro-stat-num { color: var(--tp-teal,#0891B2); }

.tc-pro-stat-label {
  font-size: 0.73rem; color: var(--tp-gray,#5F6368); line-height: 1.4;
}
.tc-pro-stat-label strong { color: var(--tp-charcoal,#1D1D1F); font-size: 0.76rem; display: block; }

/* Expert quote strip */
.tc-pro-quote {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 11px 13px; border-radius: 10px; margin-top: 4px;
  font-size: 0.75rem; line-height: 1.65; font-style: italic;
}
.green  .tc-pro-quote { background: rgba(0,135,90,0.06);   border-left: 3px solid var(--tp-green,#00875A);   color: #064e2a; }
.blue   .tc-pro-quote { background: rgba(0,40,104,0.05);   border-left: 3px solid var(--tp-blue,#002868);    color: #1e3a5f; }
.amber  .tc-pro-quote { background: rgba(217,119,6,0.07);  border-left: 3px solid var(--tp-amber,#D97706);   color: #451a03; }
.red    .tc-pro-quote { background: rgba(191,10,48,0.06);  border-left: 3px solid var(--tp-red,#BF0A30);     color: #5c0014; }
.purple .tc-pro-quote { background: rgba(124,58,237,0.06); border-left: 3px solid var(--tp-purple,#7C3AED);  color: #2e1065; }
.teal   .tc-pro-quote { background: rgba(8,145,178,0.06);  border-left: 3px solid var(--tp-teal,#0891B2);    color: #0c4a6e; }

.tc-pro-quote-icon { font-size: 1.1rem; flex-shrink: 0; }
.tc-pro-quote-text { flex: 1; }
.tc-pro-quote-attr {
  display: block; margin-top: 5px;
  font-size: 0.68rem; font-style: normal; font-weight: 700; opacity: 0.7;
}

/* ---- Full-width Mastery Card ---- */
.tc-pro-mastery {
  background: linear-gradient(135deg, #001840 0%, #002868 60%, #003d8c 100%);
  border-radius: 16px; padding: 28px 28px 24px;
  position: relative; overflow: hidden; margin-bottom: 20px;
}
.tc-pro-mastery::before {
  content:''; position:absolute; inset:0;
  background: radial-gradient(ellipse at 85% 20%, rgba(191,10,48,0.12) 0%, transparent 55%),
              radial-gradient(ellipse at 10% 80%, rgba(0,135,90,0.10) 0%, transparent 50%);
  pointer-events:none;
}
.tc-pro-mastery::after {
  content:''; position:absolute; inset:0;
  background-image: linear-gradient(rgba(255,255,255,0.02) 1px,transparent 1px),
                    linear-gradient(90deg,rgba(255,255,255,0.02) 1px,transparent 1px);
  background-size: 40px 40px; pointer-events:none;
}
.tc-pro-mastery-inner { position: relative; z-index: 1; }
.tc-pro-mastery-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(191,10,48,0.2); border: 1px solid rgba(191,10,48,0.4);
  color: #fca5a5; font-size: 0.66rem; font-weight: 700;
  padding: 3px 11px; border-radius: 20px; letter-spacing: 0.05em;
  margin-bottom: 14px;
}
.tc-pro-mastery-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: clamp(1.05rem, 2.2vw, 1.35rem);
  font-weight: 800; color: #fff; margin: 0 0 8px; line-height: 1.25;
}
.tc-pro-mastery-sub {
  font-size: 0.8rem; color: rgba(255,255,255,0.68);
  line-height: 1.65; max-width: 700px; margin: 0 0 20px;
}
.tc-pro-mastery-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(200px, 100%), 1fr));
  gap: 10px;
}
.tc-pro-mastery-item {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 11px; padding: 13px 14px;
  backdrop-filter: blur(4px);
  transition: background 0.2s;
}
.tc-pro-mastery-item:hover { background: rgba(255,255,255,0.12); }
.tc-pro-mastery-item-icon { font-size: 1.2rem; margin-bottom: 6px; display: block; }
.tc-pro-mastery-item-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.75rem; font-weight: 800; color: #fff; margin: 0 0 3px;
}
.tc-pro-mastery-item-desc {
  font-size: 0.71rem; color: rgba(255,255,255,0.62); line-height: 1.5; margin: 0;
}

/* Mobile responsive */
@media (max-width: 680px) {
  .tc-pro-grid { grid-template-columns: 1fr; gap: 12px; }
  .tc-pro-mastery { padding: 20px 18px 18px; }
  .tc-pro-mastery-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 400px) {
  .tc-pro-mastery-grid { grid-template-columns: 1fr; }
  .tc-pro-content { padding: 15px 14px; }
}


/* =====================================================
   SECTION 8: LEGAL DISCLAIMER & EDITORIAL TRANSPARENCY
   ===================================================== */

/* Remove the old inline disclaimer (replaced by section 8) */
.tc-disclaimer { display: none; }

/* Outer wrapper */
.tc-legal-section {
  background: var(--tp-off-white, #F8F9FB);
  border-top: 2px solid var(--tp-border, #E0E4E8);
  margin-top: 0;
  padding: 0;
}

/* Inner container */
.tc-legal-inner {
  max-width: 960px;
  margin: 0 auto;
  padding: 36px 20px 40px;
}

/* === EDITORIAL TRANSPARENCY CARD === */
.tc-editorial-card {
  background: #fff;
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 20px;
  box-shadow: 0 1px 4px rgba(0,40,104,0.05);
}

.tc-editorial-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 22px 16px;
  border-bottom: 1px solid var(--tp-border, #E0E4E8);
  background: linear-gradient(135deg, #001840 0%, #002868 100%);
}

.tc-editorial-header-icon {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}

.tc-editorial-header-text { flex: 1; }
.tc-editorial-header-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.9rem; font-weight: 800; color: #fff;
  margin: 0 0 2px; line-height: 1.2;
}
.tc-editorial-header-sub {
  font-size: 0.7rem; color: rgba(255,255,255,0.65);
  line-height: 1.3;
}

.tc-editorial-badge {
  background: rgba(0,135,90,0.25);
  border: 1px solid rgba(0,135,90,0.4);
  color: #6ee7b7;
  font-size: 0.62rem; font-weight: 700;
  padding: 3px 10px; border-radius: 20px;
  letter-spacing: 0.05em; white-space: nowrap;
  flex-shrink: 0;
}

.tc-editorial-body {
  padding: 20px 22px 22px;
}

/* Promise grid */
.tc-editorial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(220px, 100%), 1fr));
  gap: 12px;
  margin-bottom: 18px;
}

.tc-editorial-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 13px;
  background: var(--tp-off-white, #F8F9FB);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 10px;
}

.tc-editorial-item-icon {
  width: 30px; height: 30px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; flex-shrink: 0;
}
.tc-editorial-item-icon.green  { background: rgba(0,135,90,0.10); }
.tc-editorial-item-icon.blue   { background: rgba(0,40,104,0.08); }
.tc-editorial-item-icon.amber  { background: rgba(217,119,6,0.10); }
.tc-editorial-item-icon.red    { background: rgba(191,10,48,0.08); }
.tc-editorial-item-icon.purple { background: rgba(124,58,237,0.09); }
.tc-editorial-item-icon.teal   { background: rgba(8,145,178,0.09); }

.tc-editorial-item-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.74rem; font-weight: 800;
  color: var(--tp-charcoal,#1D1D1F); margin: 0 0 3px;
}
.tc-editorial-item-desc {
  font-size: 0.71rem; color: var(--tp-gray,#5F6368);
  line-height: 1.5; margin: 0;
}

/* Source citations row */
.tc-editorial-sources {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding-top: 16px;
  border-top: 1px solid var(--tp-border, #E0E4E8);
}
.tc-editorial-source-chip {
  display: inline-flex; align-items: center; gap: 5px;
  background: rgba(0,40,104,0.05);
  border: 1px solid rgba(0,40,104,0.12);
  color: var(--tp-blue,#002868);
  font-size: 0.67rem; font-weight: 600;
  padding: 4px 10px; border-radius: 20px;
  text-decoration: none;
  transition: background 0.18s, border-color 0.18s;
}
.tc-editorial-source-chip:hover {
  background: rgba(0,40,104,0.10);
  border-color: rgba(0,40,104,0.25);
  text-decoration: none;
}
.tc-editorial-source-chip-dot {
  width: 5px; height: 5px; border-radius: 50%;
  background: var(--tp-blue,#002868); flex-shrink: 0;
}

/* === GOVERNMENT AUTHORITY LINKS === */
.tc-gov-card {
  background: #fff;
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 16px;
  overflow: hidden;
  margin-bottom: 20px;
  box-shadow: 0 1px 4px rgba(0,40,104,0.05);
}

.tc-gov-header {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 20px 13px;
  border-bottom: 1px solid var(--tp-border, #E0E4E8);
  background: var(--tp-off-white, #F8F9FB);
}

.tc-gov-header-icon {
  font-size: 1.15rem; flex-shrink: 0;
}

.tc-gov-header h3 {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.84rem; font-weight: 800;
  color: var(--tp-charcoal,#1D1D1F); margin: 0;
  line-height: 1.2;
}
.tc-gov-header p {
  font-size: 0.69rem; color: var(--tp-gray,#5F6368);
  margin: 2px 0 0; line-height: 1.3;
}

.tc-gov-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(260px, 100%), 1fr));
  gap: 0;
}

.tc-gov-link {
  display: flex;
  align-items: flex-start;
  gap: 13px;
  padding: 16px 18px;
  border-bottom: 1px solid var(--tp-border, #E0E4E8);
  border-right: 1px solid var(--tp-border, #E0E4E8);
  text-decoration: none;
  transition: background 0.18s;
  position: relative;
}
.tc-gov-link:hover { background: rgba(0,40,104,0.03); }
.tc-gov-link:last-child,
.tc-gov-link:nth-child(2n) { border-right: none; }

.tc-gov-link-flag {
  width: 38px; height: 38px;
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; flex-shrink: 0;
}
.tc-gov-link-flag.irs    { background: rgba(0,40,104,0.08); }
.tc-gov-link-flag.dol    { background: rgba(0,135,90,0.08); }
.tc-gov-link-flag.cfpb   { background: rgba(8,145,178,0.08); }
.tc-gov-link-flag.ftc    { background: rgba(191,10,48,0.07); }
.tc-gov-link-flag.bls    { background: rgba(124,58,237,0.08); }
.tc-gov-link-flag.sba    { background: rgba(217,119,6,0.08); }

.tc-gov-link-body { flex: 1; min-width: 0; }
.tc-gov-link-agency {
  font-size: 0.62rem; font-weight: 700;
  letter-spacing: 0.07em; text-transform: uppercase;
  margin-bottom: 2px;
}
.irs  .tc-gov-link-agency  { color: var(--tp-blue,#002868); }
.dol  .tc-gov-link-agency  { color: var(--tp-green,#00875A); }
.cfpb .tc-gov-link-agency  { color: var(--tp-teal,#0891B2); }
.ftc  .tc-gov-link-agency  { color: var(--tp-red,#BF0A30); }
.bls  .tc-gov-link-agency  { color: var(--tp-purple,#7C3AED); }
.sba  .tc-gov-link-agency  { color: var(--tp-amber,#D97706); }

.tc-gov-link-title {
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.78rem; font-weight: 700;
  color: var(--tp-charcoal,#1D1D1F);
  margin: 0 0 3px; line-height: 1.25;
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.tc-gov-link-desc {
  font-size: 0.7rem; color: var(--tp-gray,#5F6368);
  line-height: 1.45; margin: 0;
  display: -webkit-box; -webkit-line-clamp: 2;
  -webkit-box-orient: vertical; overflow: hidden;
}
.tc-gov-link-arrow {
  font-size: 0.7rem; color: var(--tp-gray,#5F6368);
  flex-shrink: 0; margin-top: 2px;
  transition: transform 0.18s;
}
.tc-gov-link:hover .tc-gov-link-arrow { transform: translate(2px,-2px); }

/* .gov badge */
.tc-gov-dot {
  display: inline-flex; align-items: center; gap: 4px;
  background: rgba(0,40,104,0.07);
  border: 1px solid rgba(0,40,104,0.15);
  color: var(--tp-blue,#002868);
  font-size: 0.6rem; font-weight: 700;
  padding: 1px 7px; border-radius: 10px; margin-left: 5px;
  vertical-align: middle;
}

/* === LEGAL DISCLAIMER BLOCK === */
.tc-legal-disclaimer {
  background: #fff;
  border: 1px solid #E2C97E;
  border-left: 4px solid var(--tp-amber,#D97706);
  border-radius: 12px;
  padding: 18px 20px;
  margin-bottom: 20px;
}

.tc-legal-disclaimer-title {
  display: flex; align-items: center; gap: 8px;
  font-family: 'Montserrat','Inter',sans-serif;
  font-size: 0.8rem; font-weight: 800;
  color: var(--tp-charcoal,#1D1D1F);
  margin: 0 0 10px;
}

.tc-legal-disclaimer-body {
  font-size: 0.74rem;
  color: var(--tp-gray,#5F6368);
  line-height: 1.75;
  margin: 0;
}

.tc-legal-disclaimer-body p { margin: 0 0 8px; }
.tc-legal-disclaimer-body p:last-child { margin: 0; }
.tc-legal-disclaimer-body strong { color: var(--tp-charcoal,#1D1D1F); }
.tc-legal-disclaimer-body a {
  color: var(--tp-blue,#002868); text-decoration: underline;
}
.tc-legal-disclaimer-body a:hover { color: var(--tp-red,#BF0A30); }

/* === FOOTER TRUST BAR === */
.tc-trust-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 6px 16px;
  padding: 16px 0 0;
  border-top: 1px solid var(--tp-border,#E0E4E8);
}
.tc-trust-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.7rem; color: var(--tp-gray,#5F6368);
  font-weight: 600;
}
.tc-trust-item-dot {
  width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0;
}
.tc-trust-item-dot.green  { background: var(--tp-green,#00875A); }
.tc-trust-item-dot.blue   { background: var(--tp-blue,#002868); }
.tc-trust-item-dot.amber  { background: var(--tp-amber,#D97706); }
.tc-trust-divider { color: var(--tp-border,#E0E4E8); font-size: 0.8rem; }

/* Mobile */
@media (max-width: 680px) {
  .tc-legal-inner { padding: 24px 14px 28px; }
  .tc-editorial-header { padding: 14px 16px 13px; gap: 10px; }
  .tc-editorial-body { padding: 16px 16px 18px; }
  .tc-editorial-grid { grid-template-columns: 1fr 1fr; }
  .tc-gov-grid { grid-template-columns: 1fr; }
  .tc-gov-link { border-right: none; }
  .tc-gov-link-title { white-space: normal; }
}
@media (max-width: 440px) {
  .tc-editorial-grid { grid-template-columns: 1fr; }
  .tc-editorial-badge { display: none; }
  .tc-trust-bar { flex-direction: column; gap: 8px; }
}


/* =====================================================
   CONTENT SECTIONS — scoped CSS (matches tp- design)
   ===================================================== */
.tc-wrap {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  max-width: 1100px; margin: 0 auto;
  color: var(--tp-charcoal, #1D1D1F);
  -webkit-font-smoothing: antialiased;
}

/* ---- SHARED SECTION UTILITIES ---- */
.tc-section { margin-top: 40px; }

.tc-section-hdr {
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 20px; padding-bottom: 14px;
  border-bottom: 2px solid var(--tp-border, #E0E4E8);
}
.tc-section-icon {
  width: 40px; height: 40px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; flex-shrink: 0;
}
.tc-section-icon.green  { background: rgba(0,135,90,0.12); }
.tc-section-icon.blue   { background: rgba(0,40,104,0.10); }
.tc-section-icon.amber  { background: rgba(217,119,6,0.12); }
.tc-section-icon.red    { background: rgba(191,10,48,0.10); }
.tc-section-icon.purple { background: rgba(124,58,237,0.10); }

.tc-section-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.1rem, 2.2vw, 1.4rem);
  font-weight: 800; color: var(--tp-charcoal, #1D1D1F);
  line-height: 1.2; margin: 0;
}
.tc-section-subtitle {
  font-size: 0.82rem; color: var(--tp-gray, #5F6368);
  margin: 2px 0 0; line-height: 1.4;
}
.tc-badge-pill {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 0.68rem; font-weight: 700; padding: 3px 10px;
  border-radius: 20px; letter-spacing: 0.04em; white-space: nowrap;
}
.tc-badge-pill.green  { background: rgba(0,135,90,0.12); color: var(--tp-green, #00875A); border: 1px solid rgba(0,135,90,0.25); }
.tc-badge-pill.blue   { background: rgba(0,40,104,0.08);  color: var(--tp-blue, #002868);  border: 1px solid rgba(0,40,104,0.2); }
.tc-badge-pill.amber  { background: rgba(217,119,6,0.1);  color: var(--tp-amber, #D97706); border: 1px solid rgba(217,119,6,0.25); }
.tc-badge-pill.red    { background: rgba(191,10,48,0.08); color: var(--tp-red, #BF0A30);   border: 1px solid rgba(191,10,48,0.2); }
.tc-badge-pill.purple { background: rgba(124,58,237,0.08);color: var(--tp-purple,#7C3AED); border: 1px solid rgba(124,58,237,0.2); }

/* =====================================================
   SECTION 1: HOW TO USE — Step cards
   ===================================================== */
.tc-how-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(200px, 100%), 1fr));
  gap: 14px;
}
.tc-how-card {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 14px; padding: 20px 18px 18px;
  position: relative; overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
  cursor: default;
}
.tc-how-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,0.12);
  transform: translateY(-2px);
}
.tc-how-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
}
.tc-how-card.c0::before { background: linear-gradient(90deg, #00875A, #34d399); }
.tc-how-card.c1::before { background: linear-gradient(90deg, #002868, #3b82f6); }
.tc-how-card.c2::before { background: linear-gradient(90deg, #D97706, #fbbf24); }
.tc-how-card.c3::before { background: linear-gradient(90deg, #BF0A30, #f87171); }
.tc-how-card.c4::before { background: linear-gradient(90deg, #7C3AED, #a78bfa); }

.tc-how-step-num {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.62rem; font-weight: 800; letter-spacing: 0.08em;
  text-transform: uppercase; margin-bottom: 10px;
}
.c0 .tc-how-step-num { color: var(--tp-green, #00875A); }
.c1 .tc-how-step-num { color: var(--tp-blue, #002868); }
.c2 .tc-how-step-num { color: var(--tp-amber, #D97706); }
.c3 .tc-how-step-num { color: var(--tp-red, #BF0A30); }
.c4 .tc-how-step-num { color: var(--tp-purple, #7C3AED); }

.tc-how-emoji { font-size: 1.8rem; display: block; margin-bottom: 10px; }
.tc-how-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.88rem; font-weight: 800;
  color: var(--tp-charcoal, #1D1D1F); margin: 0 0 7px; line-height: 1.25;
}
.tc-how-desc { font-size: 0.78rem; color: var(--tp-gray, #5F6368); line-height: 1.6; margin: 0; }
.tc-how-features { list-style: none; padding: 0; margin: 10px 0 0; }
.tc-how-features li {
  font-size: 0.73rem; color: var(--tp-gray, #5F6368);
  padding: 2px 0 2px 14px; position: relative; line-height: 1.4;
}
.tc-how-features li::before {
  content: '✓'; position: absolute; left: 0; font-size: 0.68rem; font-weight: 700;
}
.c0 .tc-how-features li::before { color: var(--tp-green, #00875A); }
.c1 .tc-how-features li::before { color: var(--tp-blue, #002868); }
.c2 .tc-how-features li::before { color: var(--tp-amber, #D97706); }
.c3 .tc-how-features li::before { color: var(--tp-red, #BF0A30); }
.c4 .tc-how-features li::before { color: var(--tp-purple, #7C3AED); }

/* =====================================================
   SECTION 2: TIPPING GUIDE — Category cards
   ===================================================== */
.tc-guide-cats {
  display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px;
}
.tc-guide-cat-btn {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 7px 14px; border-radius: 20px; cursor: pointer;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.03em;
  border: 1.5px solid var(--tp-border, #E0E4E8);
  background: var(--tp-white, #fff); color: var(--tp-gray, #5F6368);
  transition: all 0.18s; -webkit-tap-highlight-color: transparent;
}
.tc-guide-cat-btn.active,
.tc-guide-cat-btn:hover {
  background: var(--tp-blue, #002868); color: #fff;
  border-color: var(--tp-blue, #002868);
}
.tc-guide-panels > div { display: none; }
.tc-guide-panels > div.active { display: block; }

.tc-guide-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 14px;
  box-shadow: 0 1px 4px rgba(0,40,104,0.06);
}
.tc-guide-table {
  width: 100%; border-collapse: collapse; font-size: 0.82rem;
  min-width: 500px;
}
.tc-guide-table thead tr {
  background: linear-gradient(135deg, #001840 0%, var(--tp-blue, #002868) 100%);
}
.tc-guide-table thead th {
  padding: 12px 16px; text-align: left;
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.06em;
  text-transform: uppercase; color: rgba(255,255,255,0.88);
  white-space: nowrap;
}
.tc-guide-table thead th:first-child { border-radius: 13px 0 0 0; }
.tc-guide-table thead th:last-child  { border-radius: 0 13px 0 0; }
.tc-guide-table tbody tr {
  border-bottom: 1px solid var(--tp-border, #E0E4E8);
  transition: background 0.15s;
}
.tc-guide-table tbody tr:last-child { border-bottom: none; }
.tc-guide-table tbody tr:hover { background: rgba(0,40,104,0.03); }
.tc-guide-table tbody td { padding: 11px 16px; line-height: 1.4; color: var(--tp-charcoal, #1D1D1F); }
.tc-guide-table tbody td:first-child { font-weight: 600; }
.tc-guide-table .tc-rate-cell { white-space: nowrap; }
.tc-rate-chip {
  display: inline-flex; align-items: center;
  font-size: 0.75rem; font-weight: 700;
  padding: 2px 8px; border-radius: 8px;
}
.tc-rate-chip.low    { background: rgba(217,119,6,0.1);   color: #92400e; }
.tc-rate-chip.good   { background: rgba(0,135,90,0.12);   color: #065f46; }
.tc-rate-chip.great  { background: rgba(0,40,104,0.10);   color: var(--tp-blue, #002868); }
.tc-rate-chip.flat   { background: rgba(124,58,237,0.10); color: #4c1d95; }

.tc-guide-note {
  margin-top: 12px; padding: 10px 14px;
  background: rgba(0,40,104,0.04); border: 1px solid rgba(0,40,104,0.1);
  border-radius: 10px; font-size: 0.76rem;
  color: var(--tp-gray, #5F6368); line-height: 1.6;
}
.tc-guide-note strong { color: var(--tp-blue, #002868); }

/* =====================================================
   SECTION 3: TIPPING STATS — Data bar section
   ===================================================== */
.tc-stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(230px, 100%), 1fr));
  gap: 14px; margin-bottom: 20px;
}
.tc-stat-card {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 14px; padding: 18px 18px 16px;
  position: relative; overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.tc-stat-card:hover {
  box-shadow: 0 6px 24px rgba(0,40,104,0.12);
  transform: translateY(-2px);
}
.tc-stat-card::after {
  content: ''; position: absolute;
  top: -30px; right: -30px; width: 80px; height: 80px;
  border-radius: 50%; opacity: 0.06;
}
.tc-stat-card.green::after  { background: var(--tp-green, #00875A); }
.tc-stat-card.blue::after   { background: var(--tp-blue, #002868); }
.tc-stat-card.amber::after  { background: var(--tp-amber, #D97706); }
.tc-stat-card.red::after    { background: var(--tp-red, #BF0A30); }
.tc-stat-card.purple::after { background: var(--tp-purple, #7C3AED); }

.tc-stat-label {
  font-size: 0.72rem; font-weight: 600; letter-spacing: 0.04em;
  text-transform: uppercase; margin-bottom: 6px;
}
.green  .tc-stat-label  { color: var(--tp-green, #00875A); }
.blue   .tc-stat-label  { color: var(--tp-blue, #002868); }
.amber  .tc-stat-label  { color: var(--tp-amber, #D97706); }
.red    .tc-stat-label  { color: var(--tp-red, #BF0A30); }
.purple .tc-stat-label  { color: var(--tp-purple, #7C3AED); }

.tc-stat-num {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 800; line-height: 1; margin-bottom: 4px;
  color: var(--tp-charcoal, #1D1D1F);
}
.tc-stat-desc { font-size: 0.77rem; color: var(--tp-gray, #5F6368); line-height: 1.5; margin: 0; }
.tc-stat-source { font-size: 0.67rem; color: rgba(95,99,104,0.6); margin-top: 6px; }

.tc-bar-section {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 14px; padding: 20px 20px 18px;
  margin-top: 14px;
}
.tc-bar-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem; font-weight: 800;
  color: var(--tp-charcoal, #1D1D1F); margin: 0 0 16px;
}
.tc-bar-row { margin-bottom: 14px; }
.tc-bar-row:last-child { margin-bottom: 0; }
.tc-bar-meta {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 5px;
}
.tc-bar-name { font-size: 0.78rem; font-weight: 600; color: var(--tp-charcoal, #1D1D1F); }
.tc-bar-pct  { font-size: 0.78rem; font-weight: 700; }
.tc-bar-track {
  background: var(--tp-bg, #F7F9FC);
  border-radius: 6px; height: 7px; overflow: hidden;
}
.tc-bar-fill {
  height: 100%; border-radius: 6px;
  transition: width 1.2s cubic-bezier(0.22, 1, 0.36, 1);
}

/* =====================================================
   SECTION 4: FAQ — Accordion
   ===================================================== */
.tc-faq-list { display: flex; flex-direction: column; gap: 8px; }
.tc-faq-item {
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  border-radius: 12px; overflow: hidden;
  transition: box-shadow 0.2s;
}
.tc-faq-item.open { box-shadow: 0 4px 20px rgba(0,40,104,0.09); border-color: rgba(0,40,104,0.2); }
.tc-faq-q {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 16px 18px; cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  transition: background 0.15s;
}
.tc-faq-q:hover { background: rgba(0,40,104,0.025); }
.tc-faq-q-text {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.86rem; font-weight: 700;
  color: var(--tp-charcoal, #1D1D1F); line-height: 1.4; flex: 1;
}
.tc-faq-icon {
  width: 24px; height: 24px; border-radius: 50%; flex-shrink: 0;
  background: var(--tp-bg, #F7F9FC);
  border: 1.5px solid var(--tp-border, #E0E4E8);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700; color: var(--tp-gray, #5F6368);
  transition: all 0.25s; user-select: none;
}
.tc-faq-item.open .tc-faq-icon {
  background: var(--tp-blue, #002868); color: #fff;
  border-color: var(--tp-blue, #002868); transform: rotate(45deg);
}
.tc-faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.22, 1, 0.36, 1);
}
.tc-faq-item.open .tc-faq-a { max-height: 500px; }
.tc-faq-a-inner {
  padding: 0 18px 16px; font-size: 0.82rem;
  color: var(--tp-gray, #5F6368); line-height: 1.75;
  border-top: 1px solid var(--tp-border, #E0E4E8);
}
.tc-faq-a-inner p { margin: 10px 0 0; }
.tc-faq-a-inner p:first-child { margin-top: 0; }
.tc-faq-a-inner strong { color: var(--tp-charcoal, #1D1D1F); }
.tc-faq-a-inner ul { padding-left: 18px; margin-top: 8px; }
.tc-faq-a-inner ul li { margin-bottom: 4px; }
.tc-faq-a-inner .tc-highlight-box {
  background: rgba(0,135,90,0.07); border: 1px solid rgba(0,135,90,0.2);
  border-radius: 8px; padding: 10px 14px; margin-top: 10px;
  font-size: 0.78rem; color: #065f46;
}
.tc-faq-a-inner .tc-note-box {
  background: rgba(0,40,104,0.05); border: 1px solid rgba(0,40,104,0.15);
  border-radius: 8px; padding: 10px 14px; margin-top: 10px;
  font-size: 0.78rem; color: var(--tp-blue, #002868);
}

/* =====================================================
   SECTION 5: RELATED CALCULATORS
   ===================================================== */
.tc-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(250px, 100%), 1fr));
  gap: 12px;
}
.tc-related-card {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 14px 16px; border-radius: 12px;
  background: var(--tp-white, #fff);
  border: 1px solid var(--tp-border, #E0E4E8);
  text-decoration: none; color: inherit;
  transition: all 0.2s;
  -webkit-tap-highlight-color: transparent;
}
.tc-related-card:hover {
  box-shadow: 0 4px 20px rgba(0,40,104,0.12);
  transform: translateY(-2px);
  border-color: rgba(0,40,104,0.2);
  text-decoration: none;
}
.tc-related-icon {
  width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
}
.tc-related-icon.green  { background: rgba(0,135,90,0.12); }
.tc-related-icon.blue   { background: rgba(0,40,104,0.10); }
.tc-related-icon.amber  { background: rgba(217,119,6,0.12); }
.tc-related-icon.red    { background: rgba(191,10,48,0.10); }
.tc-related-icon.purple { background: rgba(124,58,237,0.10); }
.tc-related-icon.teal   { background: rgba(8,145,178,0.10); }

.tc-related-info { flex: 1; min-width: 0; }
.tc-related-name {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 0.82rem; font-weight: 800;
  color: var(--tp-charcoal, #1D1D1F); margin: 0 0 3px; line-height: 1.3;
}
.tc-related-desc { font-size: 0.73rem; color: var(--tp-gray, #5F6368); line-height: 1.45; margin: 0; }
.tc-related-arrow {
  font-size: 0.8rem; color: var(--tp-border, #E0E4E8);
  align-self: center; flex-shrink: 0; transition: color 0.2s, transform 0.2s;
}
.tc-related-card:hover .tc-related-arrow { color: var(--tp-blue, #002868); transform: translateX(3px); }

/* =====================================================
   DISCLAIMER / DISCLAIMER STRIP
   ===================================================== */
.tc-disclaimer {
  margin-top: 32px;
  background: rgba(0,40,104,0.03);
  border: 1px solid rgba(0,40,104,0.1);
  border-radius: 12px; padding: 14px 18px;
  font-size: 0.73rem; color: var(--tp-gray, #5F6368); line-height: 1.7;
}
.tc-disclaimer strong { color: var(--tp-charcoal, #1D1D1F); }

/* =====================================================
   SCROLL ANIMATION
   ===================================================== */
.tc-animate {
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.tc-animate.visible { opacity: 1; transform: translateY(0); }
.tc-animate:nth-child(2) { transition-delay: 0.07s; }
.tc-animate:nth-child(3) { transition-delay: 0.14s; }
.tc-animate:nth-child(4) { transition-delay: 0.21s; }
.tc-animate:nth-child(5) { transition-delay: 0.28s; }

/* =====================================================
   MOBILE RESPONSIVENESS
   ===================================================== */
@media (max-width: 700px) {
  .tc-how-grid { grid-template-columns: 1fr 1fr; }
  .tc-stats-grid { grid-template-columns: 1fr 1fr; }
  .tc-related-grid { grid-template-columns: 1fr; }
  .tc-guide-table { font-size: 0.78rem; }
  .tc-guide-table thead th,
  .tc-guide-table tbody td { padding: 10px 12px; }
  .tc-section-title { font-size: 1rem; }
}
@media (max-width: 480px) {
  .tc-how-grid { grid-template-columns: 1fr; }
  .tc-stats-grid { grid-template-columns: 1fr; }
  .tc-how-card { padding: 16px 14px 14px; }
  .tc-stat-card { padding: 15px 14px 13px; }
  .tc-faq-q { padding: 14px 14px; }
  .tc-faq-a-inner { padding: 0 14px 14px; }
}