:root{
  --navy:#002868;--green:#00843D;--red:#BF0A30;
  --light-bg:#F8F9FF;--card-bg:#FFFFFF;--border:#D0D5E8;
  --text:#1A1F36;--muted:#6B7280;
  --gold:#C8860A;--gold-light:#FFFBEB;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--light-bg);color:var(--text);font-size:15px;line-height:1.6}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif}

/* HEADER */
.calc-header{background:linear-gradient(135deg,#003580 0%,var(--navy) 50%,#7B1C2E 100%);color:#fff;padding:26px 24px 20px;text-align:center;position:relative;overflow:hidden}
.calc-header::before{content:'⚖️';position:absolute;right:24px;top:50%;transform:translateY(-50%);font-size:80px;opacity:.08}
.calc-header h1{font-size:clamp(18px,3.5vw,26px);font-weight:800;margin-bottom:6px}
.calc-header p{font-size:13px;opacity:.85;max-width:680px;margin:0 auto}
.header-badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:10px}
.hbadge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);border-radius:16px;padding:3px 12px;font-size:11px;font-weight:700}

/* TABS */
.tab-nav{display:flex;gap:3px;padding:13px 13px 0;background:#fff;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none}
.tab-nav::-webkit-scrollbar{display:none}
.tab-btn{flex-shrink:0;padding:8px 13px;border:none;background:none;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--muted);cursor:pointer;border-radius:8px 8px 0 0;transition:.2s;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-2px}
.tab-btn.active{color:var(--navy);border-bottom-color:var(--navy);background:var(--light-bg)}
.tab-btn:hover:not(.active){color:var(--navy);background:var(--light-bg)}
.tab-pane{display:none;padding:18px 15px}
.tab-pane.active{display:block}

/* LAYOUT */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
@media(max-width:768px){.two-col{grid-template-columns:1fr}}
.card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:17px;margin-bottom:13px}
.card-title{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:12px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.card-title .badge{background:var(--navy);color:#fff;font-size:10px;padding:2px 8px;border-radius:10px;font-weight:700}
.card-title .badge-gold{background:var(--gold);color:#fff;font-size:10px;padding:2px 8px;border-radius:10px;font-weight:700}

/* FORM */
.form-group{margin-bottom:11px}
label{display:block;font-size:11.5px;font-weight:600;color:var(--muted);margin-bottom:4px;text-transform:uppercase;letter-spacing:.4px;cursor:pointer}
input[type=number],input[type=text],select,textarea{width:100%;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:14px;font-family:'Inter',sans-serif;color:var(--text);background:#fff;transition:.2s;-moz-appearance:textfield}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}
input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,40,104,.1)}
.input-prefix{position:relative}
.input-prefix span{position:absolute;left:11px;top:50%;transform:translateY(-50%);font-size:14px;color:var(--muted);font-weight:600;pointer-events:none}
.input-prefix input{padding-left:26px}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px}
@media(max-width:480px){.row-2,.row-3{grid-template-columns:1fr}}

/* TOGGLE */
.toggle-group{display:flex;gap:0;border:1.5px solid var(--border);border-radius:8px;overflow:hidden;margin-bottom:12px}
.toggle-group label{margin:0}
.toggle-group input[type=radio]{display:none}
.toggle-group .tgl-btn{display:block;padding:8px 12px;font-size:11.5px;font-weight:700;color:var(--muted);cursor:pointer;background:#fff;border-right:1px solid var(--border);transition:.2s;text-transform:uppercase;letter-spacing:.3px;white-space:nowrap}
.toggle-group label:last-child .tgl-btn{border-right:none}
.toggle-group input[type=radio]:checked+.tgl-btn{background:var(--navy);color:#fff}

/* RESULTS */
.result-hero{background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff;border-radius:12px;padding:18px;text-align:center;margin-bottom:13px}
.result-hero .label{font-size:11px;opacity:.8;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.result-hero .value{font-size:34px;font-family:'Montserrat',sans-serif;font-weight:800}
.result-hero .subtitle{font-size:12px;opacity:.7;margin-top:3px}

.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-bottom:13px}
.result-item{background:var(--light-bg);border-radius:9px;padding:11px 13px;border:1px solid var(--border)}
.result-item .r-label{font-size:11px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.result-item .r-value{font-size:17px;font-family:'Montserrat',sans-serif;font-weight:700;color:var(--navy)}
.result-item .r-sub{font-size:11px;color:var(--muted);margin-top:2px}
.result-item.highlight{background:var(--green);border-color:var(--green)}
.result-item.highlight .r-label,.result-item.highlight .r-value,.result-item.highlight .r-sub{color:#fff}
.result-item.warn{background:#FFF3CD;border-color:#FFCA28}
.result-item.warn .r-label,.result-item.warn .r-value{color:#7B5800}
.result-item.danger{background:#FEF2F2;border-color:#FECACA}
.result-item.danger .r-label,.result-item.danger .r-value{color:#991B1B}

/* TABLE */
.ws-table{width:100%;border-collapse:collapse;font-size:13px}
.ws-table th{background:var(--navy);color:#fff;padding:8px 11px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.4px}
.ws-table td{padding:8px 11px;border-bottom:1px solid var(--border)}
.ws-table tr:last-child td{border-bottom:none;font-weight:700;background:var(--light-bg)}
.ws-table tr:hover td{background:var(--light-bg)}

/* INFO / ALERT BOXES */
.info-box{background:#EFF6FF;border:1px solid #BFDBFE;border-left:4px solid var(--navy);border-radius:8px;padding:11px 13px;font-size:13px;color:#1e40af;margin-bottom:12px}
.warn-box{background:#FFF3CD;border:1px solid #FFCA28;border-left:4px solid #F59E0B;border-radius:8px;padding:11px 13px;font-size:13px;color:#92400E;margin-bottom:12px}
.danger-box{background:#FEF2F2;border:1px solid #FECACA;border-left:4px solid var(--red);border-radius:8px;padding:11px 13px;font-size:13px;color:#991B1B;margin-bottom:12px}
.success-box{background:#ECFDF5;border:1px solid #A7F3D0;border-left:4px solid var(--green);border-radius:8px;padding:11px 13px;font-size:13px;color:#065F46;margin-bottom:12px}
.gold-box{background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:11px 13px;font-size:13px;color:#78350F;margin-bottom:12px}

/* TOAST ERROR */
.toast-error{position:fixed;top:20px;right:20px;background:var(--red);color:#fff;padding:12px 20px;border-radius:8px;z-index:9999;display:none;font-size:13px;font-weight:700;box-shadow:0 4px 12px rgba(0,0,0,0.15);animation:slideIn 0.3s ease forwards;}
@keyframes slideIn { from { transform: translateX(100%); opacity: 0; } to { transform: translateX(0); opacity: 1; } }

/* BUTTONS */
.btn-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:13px}
.btn{padding:10px 17px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;cursor:pointer;transition:.2s;border:2px solid transparent;text-transform:uppercase;letter-spacing:.4px;display:inline-flex;align-items:center;gap:6px}
.btn-calc{background:var(--green);color:#fff;border-color:var(--green)}
.btn-calc:hover{background:#006B31}
.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:#001a55}
.btn-wa{background:#25D366;color:#fff;border-color:#25D366}
.btn-wa:hover{background:#128C7E}
.btn-sm{padding:7px 12px;font-size:11px}

/* CHART */
.chart-wrap{position:relative;height:210px;margin-top:8px}
.chart-wrap-sm{position:relative;height:160px;margin-top:6px}

/* SECTION HEADER */
.section-header{background:linear-gradient(90deg,var(--navy),#1a3a6b);color:#fff;border-radius:9px;padding:11px 14px;margin-bottom:13px;display:flex;align-items:center;gap:10px}
.section-header h3{font-size:13.5px;font-weight:700;margin:0}

/* MODEL BADGES */
.model-badge{display:inline-block;padding:3px 10px;border-radius:14px;font-size:11px;font-weight:700}

/* PARENT SIDE-BY-SIDE */
.parent-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.parent-grid{grid-template-columns:1fr}}
.parent-card{border-radius:10px;padding:14px;border:2px solid var(--border)}
.parent-card.cp{border-color:#2563EB;background:#EFF6FF}
.parent-card.ncp{border-color:#7C3AED;background:#F5F3FF}
.parent-card .pc-title{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;margin-bottom:10px;text-transform:uppercase;letter-spacing:.4px}
.parent-card.cp .pc-title{color:#1D4ED8}
.parent-card.ncp .pc-title{color:#5B21B6}

/* STATE COMPARE */
.state-compare{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-bottom:13px}
@media(max-width:600px){.state-compare{grid-template-columns:1fr}}
.sc-nation{border-radius:10px;padding:13px;text-align:center;border:2px solid var(--border)}
.sc-nation.winner{border-color:var(--green);background:#ECFDF5}
.sc-nation .sn-state{font-size:12px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}
.sc-nation .sn-value{font-size:22px;font-family:'Montserrat',sans-serif;font-weight:800;color:var(--navy)}
.sc-nation.winner .sn-state,.sc-nation.winner .sn-value{color:var(--green)}

/* ADD-ON TABLE */
.addon-row{display:flex;justify-content:space-between;align-items:center;padding:8px 12px;border-bottom:1px solid var(--border);font-size:13px}
.addon-row:last-child{border-bottom:none;font-weight:700;background:var(--light-bg);border-radius:0 0 8px 8px}
.addon-row .al{color:var(--muted)}
.addon-row .av{font-weight:600;color:var(--navy)}

/* OVERNIGHT THRESHOLD BAR */
.threshold-bar{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;overflow:hidden;height:22px;margin:6px 0;position:relative}
.threshold-fill{height:100%;background:var(--green);transition:.4s;border-radius:8px}
.threshold-fill.over{background:var(--red)}
.threshold-label{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);font-size:11px;font-weight:700;color:var(--navy);white-space:nowrap}

/* IMPUTED RISK */
.risk-pill{display:inline-block;padding:4px 14px;border-radius:20px;font-size:12px;font-weight:700}
.risk-high{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.risk-med{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}
.risk-low{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}

/* TAX TABLE */
.tax-split-row{display:grid;grid-template-columns:2fr 1fr 1fr;gap:6px;padding:8px 12px;border-bottom:1px solid var(--border);font-size:13px;align-items:center}
.tax-split-row.header{background:var(--navy);color:#fff;font-weight:700;font-size:11px;text-transform:uppercase;letter-spacing:.3px;border-radius:8px 8px 0 0}
.tax-split-row.total{font-weight:700;background:var(--light-bg)}

/* HIDDEN */
.hidden{display:none!important}

/* ── EXAMPLES SECTION — no new design tokens ──────────────────── */
.ex-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Banner */
.ex-banner{background:linear-gradient(135deg,#003580 0%,var(--navy) 55%,#7B1C2E 100%);color:#fff;border-radius:12px;padding:22px 24px;margin:18px 0 20px;position:relative;overflow:hidden}
.ex-banner::after{content:'📋';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:72px;opacity:.07;pointer-events:none}
.ex-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:5px}
.ex-banner p{font-size:13px;opacity:.85;max-width:640px;margin:0;line-height:1.55}
.ex-banner-badges{display:flex;flex-wrap:wrap;gap:7px;margin-top:11px}
.ex-banner-badge{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.28);border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700}

/* Example card wrapper */
.ex-case{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;margin-bottom:22px;overflow:hidden}

/* Case header strip */
.ex-case-head{padding:14px 18px 12px;display:flex;align-items:flex-start;justify-content:space-between;gap:12px;flex-wrap:wrap;border-bottom:1px solid var(--border)}
.ex-case-head-left{}
.ex-case-num{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);margin-bottom:3px}
.ex-case-title{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--navy);margin-bottom:6px;line-height:1.25}
.ex-case-badges{display:flex;flex-wrap:wrap;gap:6px}
.ex-badge{display:inline-block;padding:3px 10px;border-radius:12px;font-size:10.5px;font-weight:700}
.ex-badge-is{background:#EFF6FF;color:#1D4ED8;border:1px solid #BFDBFE}
.ex-badge-pct{background:#F5F3FF;color:#5B21B6;border:1px solid #DDD6FE}
.ex-badge-mel{background:var(--gold-light);color:#78350F;border:1px solid #FDE68A}
.ex-badge-state{background:var(--light-bg);color:var(--navy);border:1px solid var(--border)}
.ex-badge-shared{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.ex-badge-selfempl{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}
.ex-badge-high{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}

/* Order hero in header */
.ex-order-hero{text-align:right;flex-shrink:0}
.ex-order-hero .oh-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);margin-bottom:2px}
.ex-order-hero .oh-amount{font-family:'Montserrat',sans-serif;font-size:28px;font-weight:800;color:var(--green);line-height:1}
.ex-order-hero .oh-sub{font-size:11px;color:var(--muted);margin-top:2px}

/* Case body */
.ex-case-body{padding:15px 18px}

/* Parents strip */
.ex-parents{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
@media(max-width:500px){.ex-parents{grid-template-columns:1fr}}
.ex-parent-card{border-radius:9px;padding:12px 13px;border:2px solid}
.ex-parent-card.cp-card{border-color:#2563EB;background:#EFF6FF}
.ex-parent-card.ncp-card{border-color:#7C3AED;background:#F5F3FF}
.ex-parent-card .ep-role{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}
.cp-card .ep-role{color:#1D4ED8}
.ncp-card .ep-role{color:#5B21B6}
.ex-parent-card .ep-name{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;color:var(--text);margin-bottom:6px}
.ep-row{display:flex;justify-content:space-between;font-size:12px;padding:3px 0;border-bottom:1px solid rgba(0,0,0,.06)}
.ep-row:last-child{border-bottom:none;font-weight:700}
.ep-row .ep-k{color:var(--muted)}
.ep-row .ep-v{font-weight:600;color:var(--text)}

/* Calculation steps table */
.ex-calc-table{width:100%;border-collapse:collapse;font-size:13px;margin-bottom:12px}
.ex-calc-table th{background:var(--navy);color:#fff;padding:8px 11px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif}
.ex-calc-table th:last-child{text-align:right}
.ex-calc-table td{padding:8px 11px;border-bottom:1px solid var(--border);vertical-align:top}
.ex-calc-table td:last-child{text-align:right;font-weight:600;white-space:nowrap}
.ex-calc-table tr.subtotal td{background:var(--light-bg);font-weight:700}
.ex-calc-table tr.final td{background:var(--navy);color:#fff;font-weight:700;font-size:13.5px}
.ex-calc-table tr.deduct td{color:var(--red)}
.ex-calc-table tr.add td{color:#065F46}
.ex-calc-table .step-num-cell{color:var(--muted);font-size:11px;white-space:nowrap;padding-right:6px;width:24px}

/* Outcome grid */
.ex-outcome{display:grid;grid-template-columns:repeat(3,1fr);gap:9px;margin-bottom:12px}
@media(max-width:480px){.ex-outcome{grid-template-columns:1fr 1fr}}
.ex-out-item{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:10px 12px;text-align:center}
.ex-out-item .eo-val{font-family:'Montserrat',sans-serif;font-size:17px;font-weight:800;color:var(--navy)}
.ex-out-item .eo-label{font-size:10.5px;color:var(--muted);margin-top:3px;text-transform:uppercase;letter-spacing:.3px;font-weight:600}
.ex-out-item.eo-green{background:#ECFDF5;border-color:#A7F3D0}
.ex-out-item.eo-green .eo-val{color:#065F46}
.ex-out-item.eo-warn{background:#FFF3CD;border-color:#FFCA28}
.ex-out-item.eo-warn .eo-val{color:#92400E}

/* Key insight box */
.ex-insight{display:flex;gap:11px;align-items:flex-start;background:var(--gold-light);border:1px solid #FDE68A;border-left:4px solid var(--gold);border-radius:8px;padding:11px 13px;font-size:12.5px;color:#78350F;margin-bottom:0}
.ex-insight-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.ex-insight p{margin:0;line-height:1.55}
.ex-insight strong{display:block;margin-bottom:2px;font-size:12px}

/* Divider label */
.ex-divider{display:flex;align-items:center;gap:10px;margin:18px 0 14px}
.ex-divider span{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--muted);white-space:nowrap;text-transform:uppercase;letter-spacing:.4px}
.ex-divider::before,.ex-divider::after{content:'';flex:1;height:1px;background:var(--border)}

/* ── HOW IT WORKS — section-only styles ───────────────────────── */
.hiw-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Section title banner */
.hiw-banner{background:linear-gradient(135deg,#003580 0%,var(--navy) 55%,#7B1C2E 100%);color:#fff;border-radius:12px;padding:22px 24px;margin:18px 0 20px;position:relative;overflow:hidden}
.hiw-banner::after{content:'⚖️';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:72px;opacity:.07;pointer-events:none}
.hiw-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:5px}
.hiw-banner p{font-size:13px;opacity:.85;max-width:620px;margin:0;line-height:1.55}

/* Step cards */
.hiw-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:20px}
@media(max-width:700px){.hiw-steps{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.hiw-steps{grid-template-columns:1fr}}

.step-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:16px 14px;position:relative;transition:.2s}
.step-card:hover{box-shadow:0 4px 18px rgba(0,40,104,.1);border-color:#b0bcd8}
.step-num{width:34px;height:34px;background:var(--navy);color:#fff;border-radius:50%;font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;margin-bottom:10px;flex-shrink:0}
.step-icon{font-size:22px;margin-bottom:6px}
.step-card h4{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:6px;line-height:1.3}
.step-card p{font-size:12.5px;color:var(--muted);line-height:1.55;margin:0}
.step-tag{display:inline-block;margin-top:8px;padding:2px 9px;border-radius:10px;font-size:10.5px;font-weight:700;background:#EFF6FF;color:#1D4ED8;border:1px solid #BFDBFE}
.step-tag.green{background:#ECFDF5;color:#065F46;border-color:#A7F3D0}
.step-tag.gold{background:var(--gold-light);color:#78350F;border-color:#FDE68A}
.step-tag.red{background:#FEF2F2;color:#991B1B;border-color:#FECACA}

/* Connector arrow row — desktop only */
.hiw-connector{display:flex;align-items:center;justify-content:center;gap:0;margin-bottom:20px}
@media(max-width:700px){.hiw-connector{display:none}}
.hiw-connector-step{flex:1;background:var(--card-bg);border:1px solid var(--border);border-radius:9px;padding:10px 12px;text-align:center;font-size:12px;color:var(--navy);font-weight:600;font-family:'Montserrat',sans-serif;line-height:1.3}
.hiw-connector-arrow{flex-shrink:0;font-size:20px;color:var(--navy);opacity:.4;padding:0 5px}

/* Formula model cards */
.formula-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px;margin-bottom:20px}
@media(max-width:650px){.formula-grid{grid-template-columns:1fr}}

.formula-card{border-radius:12px;padding:16px;border:2px solid var(--border);background:var(--card-bg)}
.formula-card.is-model{border-color:#2563EB;background:#EFF6FF}
.formula-card.pct-model{border-color:#7C3AED;background:#F5F3FF}
.formula-card.mel-model{border-color:var(--gold);background:var(--gold-light)}
.formula-card .fm-label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.formula-card.is-model .fm-label{color:#1D4ED8}
.formula-card.pct-model .fm-label{color:#5B21B6}
.formula-card.mel-model .fm-label{color:#78350F}
.formula-card h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;margin-bottom:8px;line-height:1.3}
.formula-card.is-model h4{color:#1D4ED8}
.formula-card.pct-model h4{color:#5B21B6}
.formula-card.mel-model h4{color:#78350F}
.formula-card .fm-states{font-size:11.5px;font-weight:700;margin-bottom:8px}
.formula-card .fm-how{font-size:12.5px;color:var(--muted);line-height:1.55;margin-bottom:10px}
.formula-card .fm-example{background:rgba(255,255,255,.7);border-radius:8px;padding:9px 11px;font-size:12px;line-height:1.5}
.formula-card .fm-example strong{display:block;margin-bottom:3px;font-size:11px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted)}
.fm-state-list{display:flex;flex-wrap:wrap;gap:4px;margin-top:10px}
.fm-state-pill{padding:2px 7px;border-radius:8px;font-size:10px;font-weight:700;background:rgba(255,255,255,.8);color:var(--muted);border:1px solid rgba(0,0,0,.08)}

/* Income breakdown visual */
.income-visual{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:6px}
@media(max-width:480px){.income-visual{grid-template-columns:1fr}}
.iv-card{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:12px}
.iv-card .iv-title{font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;color:var(--navy);margin-bottom:8px;display:flex;align-items:center;gap:6px}
.iv-item{display:flex;justify-content:space-between;align-items:center;padding:4px 0;border-bottom:1px solid var(--border);font-size:12.5px}
.iv-item:last-child{border-bottom:none}
.iv-item .iv-label{color:var(--muted)}
.iv-item .iv-tag{font-size:10.5px;font-weight:700;padding:1px 8px;border-radius:8px}
.iv-tag.counts{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.iv-tag.excluded{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.iv-tag.discretion{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}

/* Deviation factors */
.deviation-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:6px}
@media(max-width:500px){.deviation-grid{grid-template-columns:1fr}}
.dev-item{display:flex;align-items:flex-start;gap:10px;background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:11px 12px}
.dev-icon{font-size:18px;flex-shrink:0;margin-top:1px}
.dev-text h5{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:3px}
.dev-text p{font-size:12px;color:var(--muted);margin:0;line-height:1.45}

/* Timeline */
.timeline{position:relative;padding-left:28px;margin-bottom:6px}
.timeline::before{content:'';position:absolute;left:9px;top:4px;bottom:4px;width:2px;background:var(--border)}
.tl-item{position:relative;margin-bottom:14px}
.tl-item:last-child{margin-bottom:0}
.tl-dot{position:absolute;left:-28px;top:2px;width:20px;height:20px;border-radius:50%;background:var(--navy);border:2px solid #fff;box-shadow:0 0 0 2px var(--navy);display:flex;align-items:center;justify-content:center;font-size:9px;font-weight:800;color:#fff;font-family:'Montserrat',sans-serif}
.tl-item h5{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:3px}
.tl-item p{font-size:12.5px;color:var(--muted);margin:0;line-height:1.5}

/* Key terms */
.terms-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:500px){.terms-grid{grid-template-columns:1fr}}
.term-item{background:var(--light-bg);border-left:3px solid var(--navy);border-radius:0 8px 8px 0;padding:10px 12px}
.term-item .term-word{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;color:var(--navy);margin-bottom:3px}
.term-item .term-def{font-size:12px;color:var(--muted);line-height:1.5;margin:0}

/* Stat strip */
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}
@media(max-width:600px){.stat-strip{grid-template-columns:1fr 1fr}}
.stat-tile{background:var(--card-bg);border:1px solid var(--border);border-radius:10px;padding:13px;text-align:center}
.stat-tile .st-val{font-family:'Montserrat',sans-serif;font-size:22px;font-weight:800;color:var(--navy);line-height:1}
.stat-tile .st-label{font-size:11px;color:var(--muted);margin-top:4px;line-height:1.4}

/* Tooltip hint */
.hint{display:inline-block;width:14px;height:14px;background:var(--muted);color:#fff;border-radius:50%;font-size:9px;font-weight:700;text-align:center;line-height:14px;cursor:default;margin-left:3px;vertical-align:middle}
/* ── PRO TIPS SECTION ─────────────────────────────────────────── */
.pt-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Banner */
.pt-banner{background:linear-gradient(135deg,#003580 0%,var(--navy) 55%,#7B1C2E 100%);color:#fff;border-radius:12px;padding:22px 24px;margin:18px 0 20px;position:relative;overflow:hidden}
.pt-banner::after{content:'🎯';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:72px;opacity:.07;pointer-events:none}
.pt-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:5px}
.pt-banner p{font-size:13px;opacity:.85;max-width:640px;margin:0;line-height:1.55}
.pt-banner-meta{display:flex;flex-wrap:wrap;gap:7px;margin-top:11px}
.pt-banner-chip{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.28);border-radius:14px;padding:3px 11px;font-size:11px;font-weight:700}

/* Tip card */
.pt-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;margin-bottom:20px;overflow:hidden}

/* Tip header */
.pt-card-head{display:flex;align-items:flex-start;gap:14px;padding:16px 18px 14px;border-bottom:1px solid var(--border)}
.pt-num{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
.pt-head-text{}
.pt-expert-row{display:flex;align-items:center;flex-wrap:wrap;gap:6px;margin-bottom:5px}
.pt-expert-badge{display:inline-flex;align-items:center;gap:4px;padding:3px 10px;border-radius:12px;font-size:10.5px;font-weight:700}
.pt-badge-atty{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.pt-badge-cpa{background:#EFF6FF;color:#1D4ED8;border:1px solid #BFDBFE}
.pt-badge-strategy{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.pt-badge-caution{background:#FFF3CD;color:#92400E;border:1px solid #FFCA28}
.pt-badge-tax{background:#F5F3FF;color:#5B21B6;border:1px solid #DDD6FE}
.pt-card-head h3{font-family:'Montserrat',sans-serif;font-size:15px;font-weight:800;color:var(--navy);margin:0;line-height:1.3}
@media(max-width:480px){.pt-card-head{flex-direction:column;gap:10px}.pt-num{width:34px;height:34px;font-size:14px}}

/* Tip body */
.pt-card-body{padding:16px 18px}
.pt-lead{font-size:13.5px;color:var(--text);line-height:1.65;margin-bottom:14px}

/* Key stat highlight */
.pt-stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}
@media(max-width:520px){.pt-stat-row{grid-template-columns:1fr 1fr}}
@media(max-width:350px){.pt-stat-row{grid-template-columns:1fr}}
.pt-stat{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:11px 12px;text-align:center}
.pt-stat .ps-val{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--navy);line-height:1}
.pt-stat .ps-label{font-size:10.5px;color:var(--muted);margin-top:4px;line-height:1.35;font-weight:600;text-transform:uppercase;letter-spacing:.3px}
.pt-stat.ps-green{background:#ECFDF5;border-color:#A7F3D0}.pt-stat.ps-green .ps-val{color:#065F46}
.pt-stat.ps-red{background:#FEF2F2;border-color:#FECACA}.pt-stat.ps-red .ps-val{color:#991B1B}
.pt-stat.ps-gold{background:var(--gold-light);border-color:#FDE68A}.pt-stat.ps-gold .ps-val{color:#78350F}

/* Checklist */
.pt-checklist{list-style:none;padding:0;margin:0 0 14px}
.pt-checklist li{display:flex;align-items:flex-start;gap:9px;padding:8px 0;border-bottom:1px solid var(--border);font-size:13px;line-height:1.5;color:var(--text)}
.pt-checklist li:last-child{border-bottom:none}
.pt-checklist li .pt-check-icon{font-size:15px;flex-shrink:0;margin-top:1px}
.pt-checklist li strong{color:var(--navy)}

/* Mistake/Do comparison */
.pt-compare{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
@media(max-width:500px){.pt-compare{grid-template-columns:1fr}}
.pt-do{background:#ECFDF5;border:1px solid #A7F3D0;border-radius:9px;padding:13px}
.pt-dont{background:#FEF2F2;border:1px solid #FECACA;border-radius:9px;padding:13px}
.pt-do .ptc-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#065F46;text-transform:uppercase;letter-spacing:.4px;margin-bottom:8px;display:flex;align-items:center;gap:5px}
.pt-dont .ptc-label{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;color:#991B1B;text-transform:uppercase;letter-spacing:.4px;margin-bottom:8px;display:flex;align-items:center;gap:5px}
.pt-do ul,.pt-dont ul{list-style:none;padding:0;margin:0}
.pt-do ul li,.pt-dont ul li{font-size:12.5px;padding:4px 0;border-bottom:1px solid rgba(0,0,0,.06);line-height:1.45;color:var(--text)}
.pt-do ul li:last-child,.pt-dont ul li:last-child{border-bottom:none}

/* Table inside tip */
.pt-table{width:100%;border-collapse:collapse;font-size:12.5px;margin-bottom:14px}
.pt-table th{background:var(--navy);color:#fff;padding:7px 11px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.4px;font-family:'Montserrat',sans-serif}
.pt-table td{padding:8px 11px;border-bottom:1px solid var(--border)}
.pt-table tr:last-child td{border-bottom:none;font-weight:700;background:var(--light-bg)}
.pt-table .td-green{color:#065F46;font-weight:700}
.pt-table .td-red{color:#991B1B;font-weight:700}

/* Bottom action box */
.pt-action{display:flex;align-items:flex-start;gap:11px;background:linear-gradient(135deg,var(--navy),#1a3a6b);color:#fff;border-radius:10px;padding:14px 16px;margin-top:14px}
.pt-action-icon{font-size:22px;flex-shrink:0;margin-top:2px}
.pt-action-text h5{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:700;margin-bottom:3px}
.pt-action-text p{font-size:12.5px;opacity:.88;margin:0;line-height:1.5}
/* ── FAQ SECTION ──────────────────────────────────────────────── */
.faq-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Banner */
.faq-banner{background:linear-gradient(135deg,#003580 0%,var(--navy) 55%,#7B1C2E 100%);color:#fff;border-radius:12px;padding:22px 24px;margin:18px 0 20px;position:relative;overflow:hidden}
.faq-banner::after{content:'❓';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:72px;opacity:.07;pointer-events:none}
.faq-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:5px}
.faq-banner p{font-size:13px;opacity:.85;max-width:640px;margin:0;line-height:1.55}

/* Category filter tabs */
.faq-filters{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:16px}
.faq-filter-btn{padding:6px 14px;border-radius:20px;font-family:'Montserrat',sans-serif;font-size:11.5px;font-weight:700;cursor:pointer;border:1.5px solid var(--border);background:var(--card-bg);color:var(--muted);transition:.2s}
.faq-filter-btn:hover{border-color:var(--navy);color:var(--navy)}
.faq-filter-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* FAQ count strip */
.faq-count-strip{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px;flex-wrap:wrap;gap:8px}
.faq-count-strip .fcs-text{font-size:12.5px;color:var(--muted);font-weight:600}
.faq-count-strip .fcs-text span{color:var(--navy);font-weight:700}
.faq-expand-all{padding:5px 13px;border-radius:8px;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;cursor:pointer;border:1.5px solid var(--navy);background:#fff;color:var(--navy);transition:.2s}
.faq-expand-all:hover{background:var(--navy);color:#fff}

/* Individual FAQ item */
.faq-item{background:var(--card-bg);border:1px solid var(--border);border-radius:11px;margin-bottom:8px;overflow:hidden;transition:.2s}
.faq-item.open{border-color:var(--navy);box-shadow:0 2px 12px rgba(0,40,104,.08)}
.faq-item[data-hidden="true"]{display:none}

/* Question row (clickable) */
.faq-q{display:flex;align-items:flex-start;gap:12px;padding:14px 16px;cursor:pointer;user-select:none;-webkit-user-select:none}
.faq-q:hover{background:var(--light-bg)}
.faq-item.open .faq-q{background:var(--light-bg);border-bottom:1px solid var(--border)}

/* FAQ number badge */
.faq-num{width:26px;height:26px;border-radius:50%;background:var(--light-bg);border:1.5px solid var(--border);font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:800;color:var(--muted);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;transition:.2s}
.faq-item.open .faq-num{background:var(--navy);border-color:var(--navy);color:#fff}

/* Category chip inside question */
.faq-cat-chip{display:inline-block;padding:2px 8px;border-radius:8px;font-size:10px;font-weight:700;margin-left:6px;flex-shrink:0;align-self:flex-start;margin-top:3px}
.chip-basics{background:#EFF6FF;color:#1D4ED8;border:1px solid #BFDBFE}
.chip-calc{background:#F5F3FF;color:#5B21B6;border:1px solid #DDD6FE}
.chip-mod{background:#ECFDF5;color:#065F46;border:1px solid #A7F3D0}
.chip-enforce{background:#FEF2F2;color:#991B1B;border:1px solid #FECACA}
.chip-tax{background:var(--gold-light);color:#78350F;border:1px solid #FDE68A}

.faq-q-text{flex:1;font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:700;color:var(--navy);line-height:1.35;padding-right:8px}
.faq-item.open .faq-q-text{color:var(--navy)}

/* Chevron */
.faq-chevron{width:22px;height:22px;flex-shrink:0;display:flex;align-items:center;justify-content:center;color:var(--muted);transition:transform .25s;margin-top:2px;font-size:13px}
.faq-item.open .faq-chevron{transform:rotate(180deg);color:var(--navy)}

/* Answer panel */
.faq-a{max-height:0;overflow:hidden;transition:max-height .32s ease}
.faq-item.open .faq-a{max-height:2000px}
.faq-a-inner{padding:14px 16px 16px}
.faq-a-inner p{font-size:13.5px;color:var(--text);line-height:1.7;margin-bottom:10px}
.faq-a-inner p:last-child{margin-bottom:0}
.faq-a-inner strong{color:var(--navy)}
.faq-a-inner ul{padding-left:18px;margin:8px 0;font-size:13px;color:var(--text);line-height:1.65}
.faq-a-inner ul li{margin-bottom:4px}

/* Mini alert boxes inside answers */
.faq-tip{background:#EFF6FF;border-left:3px solid var(--navy);border-radius:0 7px 7px 0;padding:9px 12px;font-size:12.5px;color:#1e40af;margin:10px 0;line-height:1.5}
.faq-warn{background:#FFF3CD;border-left:3px solid #F59E0B;border-radius:0 7px 7px 0;padding:9px 12px;font-size:12.5px;color:#92400E;margin:10px 0;line-height:1.5}
.faq-danger{background:#FEF2F2;border-left:3px solid var(--red);border-radius:0 7px 7px 0;padding:9px 12px;font-size:12.5px;color:#991B1B;margin:10px 0;line-height:1.5}
.faq-success{background:#ECFDF5;border-left:3px solid var(--green);border-radius:0 7px 7px 0;padding:9px 12px;font-size:12.5px;color:#065F46;margin:10px 0;line-height:1.5}

/* Answer key fact row */
.faq-fact-row{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}
.faq-fact{background:var(--light-bg);border:1px solid var(--border);border-radius:8px;padding:8px 12px;font-size:12px;color:var(--text);flex:1;min-width:140px}
.faq-fact strong{display:block;font-family:'Montserrat',sans-serif;font-size:13px;color:var(--navy);margin-bottom:2px}
/* ── RELATED CALCULATORS SECTION ──────────────────────────────── */
.rc-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Banner */
.rc-banner{background:linear-gradient(135deg,#003580 0%,var(--navy) 55%,#7B1C2E 100%);color:#fff;border-radius:12px;padding:22px 24px;margin:18px 0 20px;position:relative;overflow:hidden}
.rc-banner::after{content:'🔗';position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:72px;opacity:.07;pointer-events:none}
.rc-banner h2{font-family:'Montserrat',sans-serif;font-size:clamp(16px,3vw,22px);font-weight:800;margin-bottom:5px}
.rc-banner p{font-size:13px;opacity:.85;max-width:640px;margin:0;line-height:1.55}

/* Category label */
.rc-cat-label{display:flex;align-items:center;gap:10px;margin:20px 0 12px}
.rc-cat-label span{font-family:'Montserrat',sans-serif;font-size:12px;font-weight:800;color:var(--navy);white-space:nowrap;text-transform:uppercase;letter-spacing:.5px;display:flex;align-items:center;gap:5px}
.rc-cat-label::after{content:'';flex:1;height:2px;background:var(--border)}

/* Grid of calculator cards */
.rc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:6px}
@media(max-width:680px){.rc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.rc-grid{grid-template-columns:1fr}}

/* Individual calculator card */
.rc-card{background:var(--card-bg);border:1px solid var(--border);border-radius:12px;padding:14px;display:flex;flex-direction:column;gap:0;transition:.2s;position:relative;overflow:hidden;text-decoration:none;color:inherit}
.rc-card:hover{border-color:var(--navy);box-shadow:0 4px 16px rgba(0,40,104,.1);transform:translateY(-2px)}
.rc-card::before{content:'';position:absolute;top:0;left:0;width:3px;height:100%;border-radius:3px 0 0 3px}

/* Accent bar colors per category */
.rc-card.cat-divorce::before{background:var(--navy)}
.rc-card.cat-tax::before{background:#7C3AED}
.rc-card.cat-income::before{background:var(--green)}
.rc-card.cat-insurance::before{background:#D97706}
.rc-card.cat-credit::before{background:var(--red)}

/* Card icon row */
.rc-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:8px;margin-bottom:8px}
.rc-card-icon{width:36px;height:36px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.icon-navy{background:#EFF6FF}
.icon-purple{background:#F5F3FF}
.icon-green{background:#ECFDF5}
.icon-gold{background:var(--gold-light)}
.icon-red{background:#FEF2F2}

/* HOT badge */
.rc-hot-badge{background:#FEF2F2;border:1px solid #FECACA;color:#991B1B;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;padding:2px 7px;border-radius:8px;white-space:nowrap;flex-shrink:0}
.rc-new-badge{background:#ECFDF5;border:1px solid #A7F3D0;color:#065F46;font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;padding:2px 7px;border-radius:8px;white-space:nowrap;flex-shrink:0}

/* Card title */
.rc-card-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--navy);line-height:1.3;margin-bottom:5px}

/* Card description */
.rc-card-desc{font-size:11.5px;color:var(--muted);line-height:1.5;flex:1;margin-bottom:10px}

/* Relevance chip */
.rc-relevance{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:10px;font-size:10.5px;font-weight:700;margin-bottom:10px;border:1px solid}
.rel-high{background:#ECFDF5;color:#065F46;border-color:#A7F3D0}
.rel-medium{background:#EFF6FF;color:#1D4ED8;border-color:#BFDBFE}
.rel-direct{background:var(--gold-light);color:#78350F;border-color:#FDE68A}

/* Visit button */
.rc-btn{display:block;text-align:center;background:var(--navy);color:#fff;border-radius:8px;padding:7px 0;font-family:'Montserrat',sans-serif;font-size:11px;font-weight:700;text-decoration:none;transition:.2s;margin-top:auto}
.rc-btn:hover{background:#1a3a6b;color:#fff}
.rc-card.cat-tax .rc-btn{background:#7C3AED}
.rc-card.cat-tax .rc-btn:hover{background:#5B21B6}
.rc-card.cat-income .rc-btn{background:#059669}
.rc-card.cat-income .rc-btn:hover{background:#047857}
.rc-card.cat-insurance .rc-btn{background:#D97706}
.rc-card.cat-insurance .rc-btn:hover{background:#B45309}
.rc-card.cat-credit .rc-btn{background:var(--red)}
.rc-card.cat-credit .rc-btn:hover{background:#b91c1c}

/* Bottom CTA strip */
.rc-cta{background:var(--light-bg);border:1px solid var(--border);border-radius:11px;padding:16px 20px;display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-top:20px}
.rc-cta-text h4{font-family:'Montserrat',sans-serif;font-size:13.5px;font-weight:800;color:var(--navy);margin-bottom:3px}
.rc-cta-text p{font-size:12.5px;color:var(--muted);margin:0;line-height:1.45}
.rc-cta-btn{background:var(--navy);color:#fff;border-radius:9px;padding:10px 22px;font-family:'Montserrat',sans-serif;font-size:12px;font-weight:700;text-decoration:none;white-space:nowrap;flex-shrink:0;transition:.2s}
.rc-cta-btn:hover{background:#1a3a6b;color:#fff}
/* ── DISCLAIMER & TRANSPARENCY SECTION ───────────────────────── */
.ld-wrap{max-width:960px;margin:0 auto;padding:0 15px 32px}

/* Top disclaimer alert — red prominent bar */
.ld-top-alert{background:#FEF2F2;border:2px solid var(--red);border-radius:12px;padding:16px 18px;margin:18px 0 18px;display:flex;align-items:flex-start;gap:13px}
.ld-top-icon{font-size:26px;flex-shrink:0;margin-top:1px}
.ld-top-text h3{font-family:'Montserrat',sans-serif;font-size:14px;font-weight:800;color:#991B1B;margin-bottom:5px}
.ld-top-text p{font-size:13px;color:#7f1d1d;line-height:1.6;margin:0}

/* Section card base */
.ld-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;margin-bottom:14px;overflow:hidden}
.ld-card-head{background:var(--light-bg);border-bottom:1px solid var(--border);padding:12px 18px;display:flex;align-items:center;gap:10px}
.ld-card-head h4{font-family:'Montserrat',sans-serif;font-size:13px;font-weight:800;color:var(--navy);margin:0}
.ld-card-head-icon{font-size:16px}
.ld-card-body{padding:16px 18px}

/* Body text */
.ld-body-text{font-size:13px;color:var(--text);line-height:1.7;margin-bottom:12px}
.ld-body-text:last-child{margin-bottom:0}
.ld-body-text strong{color:var(--navy)}

/* Bullet list inside disclaimer */
.ld-list{list-style:none;padding:0;margin:0 0 12px}
.ld-list li{display:flex;align-items:flex-start;gap:8px;font-size:13px;color:var(--text);padding:6px 0;border-bottom:1px solid var(--border);line-height:1.55}
.ld-list li:last-child{border-bottom:none}
.ld-list li .ldi{font-size:13px;flex-shrink:0;margin-top:2px}
.ld-list li strong{color:var(--navy)}

/* 2-col grid inside cards */
.ld-2col{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:12px}
@media(max-width:560px){.ld-2col{grid-template-columns:1fr}}
.ld-col-box{background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:12px 13px}
.ld-col-box h5{font-family:'Montserrat',sans-serif;font-size:11px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.4px;margin-bottom:8px;display:flex;align-items:center;gap:5px}
.ld-col-box p,.ld-col-box ul{font-size:12.5px;color:var(--text);margin:0;padding-left:14px;line-height:1.6}
.ld-col-box ul li{margin-bottom:3px}

/* Gov link cards grid */
.ld-gov-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-bottom:0}
@media(max-width:560px){.ld-gov-grid{grid-template-columns:1fr}}

.ld-gov-card{background:var(--card-bg);border:1px solid var(--border);border-radius:10px;padding:13px 14px;display:flex;flex-direction:column;gap:0;transition:.18s;text-decoration:none;color:inherit;position:relative;overflow:hidden}
.ld-gov-card:hover{border-color:var(--navy);box-shadow:0 3px 12px rgba(0,40,104,.09);transform:translateY(-1px)}
.ld-gov-card-top{display:flex;align-items:flex-start;justify-content:space-between;gap:8px;margin-bottom:7px}
.ld-gov-seal{width:34px;height:34px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:17px;flex-shrink:0;background:#EFF6FF;border:1px solid #BFDBFE}
.ld-gov-badge{font-family:'Montserrat',sans-serif;font-size:9.5px;font-weight:800;padding:2px 7px;border-radius:7px;background:#EFF6FF;border:1px solid #BFDBFE;color:#1D4ED8;white-space:nowrap;flex-shrink:0}
.ld-gov-badge.federal{background:#EFF6FF;border-color:#BFDBFE;color:#1D4ED8}
.ld-gov-badge.irs{background:var(--gold-light);border-color:#FDE68A;color:#78350F}
.ld-gov-badge.enforcement{background:#FEF2F2;border-color:#FECACA;color:#991B1B}
.ld-gov-badge.data{background:#ECFDF5;border-color:#A7F3D0;color:#065F46}
.ld-gov-badge.legal{background:#F5F3FF;border-color:#DDD6FE;color:#5B21B6}

.ld-gov-agency{font-size:9.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.4px;margin-bottom:3px}
.ld-gov-title{font-family:'Montserrat',sans-serif;font-size:12.5px;font-weight:800;color:var(--navy);line-height:1.3;margin-bottom:5px}
.ld-gov-desc{font-size:11.5px;color:var(--muted);line-height:1.5;margin-bottom:9px;flex:1}
.ld-gov-url{font-size:10.5px;color:var(--navy);font-weight:600;word-break:break-all;margin-bottom:8px;opacity:.75}
.ld-gov-btn{display:block;text-align:center;background:var(--navy);color:#fff;border-radius:7px;padding:6px 0;font-family:'Montserrat',sans-serif;font-size:10.5px;font-weight:700;text-decoration:none;transition:.18s}
.ld-gov-btn:hover{background:#1a3a6b;color:#fff}

/* Score bar — methodology */
.ld-score-row{display:grid;grid-template-columns:repeat(4,1fr);gap:9px;margin-bottom:12px}
@media(max-width:560px){.ld-score-row{grid-template-columns:1fr 1fr}}
.ld-score-item{text-align:center;background:var(--light-bg);border:1px solid var(--border);border-radius:9px;padding:10px 8px}
.ld-score-item .ls-val{font-family:'Montserrat',sans-serif;font-size:20px;font-weight:800;color:var(--navy)}
.ld-score-item .ls-label{font-size:10px;color:var(--muted);margin-top:3px;text-transform:uppercase;letter-spacing:.3px;font-weight:600;line-height:1.3}
.ld-score-item.ls-green .ls-val{color:#059669}

/* Last reviewed strip */
.ld-reviewed{display:flex;align-items:center;flex-wrap:wrap;gap:14px;background:var(--light-bg);border:1px solid var(--border);border-radius:10px;padding:12px 16px;margin-top:14px;font-size:12.5px;color:var(--text)}
.ld-reviewed-item{display:flex;align-items:center;gap:6px}
.ld-reviewed-item strong{color:var(--navy);font-weight:700}
.ld-reviewed-dot{width:4px;height:4px;border-radius:50%;background:var(--muted)}