/* =====================================================
   ZERO-BASED BUDGETING CALCULATOR
   USFinanceCalculators.com | Kadence Integration
   ===================================================== */
:root {
  --zb-blue:    var(--global-palette1,#002868);
  --zb-char:    var(--global-palette3,#1D1D1F);
  --zb-gray:    var(--global-palette4,#5F6368);
  --zb-border:  var(--global-palette5,#E0E4E8);
  --zb-bg:      var(--global-palette6,#F7F9FC);
  --zb-white:   var(--global-palette7,#FFFFFF);
  --zb-red:     var(--global-palette8,#BF0A30);
  --zb-green:   var(--global-palette9,#00875A);
  --zb-amber:   #D97706;
  --zb-purple:  #7C3AED;
  --zb-teal:    #0891B2;
  --zb-t1:      #BF0A30;  /* Tier 1 - Four Walls */
  --zb-t2:      #D97706;  /* Tier 2 - Essential */
  --zb-t3:      #0891B2;  /* Tier 3 - Important */
  --zb-t4:      #5F6368;  /* Tier 4 - Discretionary */
}

#zbWrapper {
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  max-width:1200px; margin:0 auto;
  color:var(--zb-char); -webkit-font-smoothing:antialiased;
}

/* ---- HEADER ---- */
.zb-header {
  background:linear-gradient(135deg,#0a0010 0%,#1a003a 45%,#002868 100%);
  border-radius:18px; padding:36px 32px 28px;
  text-align:center; margin-bottom:24px;
  position:relative; overflow:hidden;
}
.zb-header::before {
  content:''; position:absolute; inset:0;
  background:radial-gradient(ellipse at 10% 60%,rgba(0,135,90,.14) 0%,transparent 55%),
             radial-gradient(ellipse at 90% 35%,rgba(124,58,237,.12) 0%,transparent 55%);
  pointer-events:none;
}
.zb-header::after {
  content:''; position:absolute; inset:0;
  background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);
  background-size:44px 44px; pointer-events:none;
}
.zb-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;
}
.zb-subtitle {
  font-size:.87rem; color:rgba(255,255,255,.72);
  max-width:820px; margin:0 auto 22px; line-height:1.65;
  position:relative; z-index:1;
}
.zb-icon { font-size:2.6rem; display:block; margin-bottom:12px; position:relative; z-index:1; }
.zb-badges { display:flex; flex-wrap:wrap; gap:8px; justify-content:center; position:relative; z-index:1; }
.zb-badge { background:rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.2); color:rgba(255,255,255,.88); font-size:.7rem; font-weight:600; padding:4px 11px; border-radius:20px; letter-spacing:.02em; }

/* ---- MODE SELECTOR ---- */
.zb-mode-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-bottom:24px; }
.zb-mode-btn {
  border:2px solid var(--zb-border); background:var(--zb-white);
  border-radius:14px; padding:18px 12px; cursor:pointer; text-align:center;
  transition:all .2s; position:relative; overflow:hidden;
}
.zb-mode-btn::before { content:''; position:absolute; inset:0; background:transparent; transition:background .2s; }
.zb-mode-btn .mb-icon { font-size:1.8rem; display:block; margin-bottom:8px; }
.zb-mode-btn .mb-label {
  font-family:'Montserrat','Inter',sans-serif; font-size:.8rem; font-weight:800;
  color:var(--zb-char); display:block; margin-bottom:4px;
}
.zb-mode-btn .mb-desc { font-size:.7rem; color:var(--zb-gray); line-height:1.4; }
.zb-mode-btn.active { border-color:var(--zb-blue); background:rgba(0,40,104,.06); }
.zb-mode-btn.active .mb-label { color:var(--zb-blue); }
.zb-mode-btn.active::before { background:rgba(0,40,104,.03); }

/* ---- LIVE COUNTER ---- */
.zb-counter-bar {
  border-radius:16px; padding:16px 22px;
  display:flex; align-items:center; justify-content:space-between;
  margin-bottom:24px; gap:16px; flex-wrap:wrap;
  transition:background .4s, border-color .4s;
}
.zb-counter-bar.surplus  { background:linear-gradient(135deg,#fffbeb,#fef3c7); border:2px solid rgba(217,119,6,.35); }
.zb-counter-bar.zero     { background:linear-gradient(135deg,#f0fbf6,#d1fae5); border:2px solid rgba(0,135,90,.35); }
.zb-counter-bar.deficit  { background:linear-gradient(135deg,#fff5f7,#fee2e2); border:2px solid rgba(191,10,48,.35); }
.zb-counter-bar.empty    { background:var(--zb-bg); border:2px solid var(--zb-border); }
.zb-counter-lbl { font-size:.72rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-gray); margin-bottom:3px; }
.zb-counter-val { font-family:'Montserrat','Inter',sans-serif; font-size:clamp(1.6rem,4vw,2.4rem); font-weight:900; transition:color .3s; }
.zb-counter-val.surplus  { color:var(--zb-amber);  }
.zb-counter-val.zero     { color:var(--zb-green);  }
.zb-counter-val.deficit  { color:var(--zb-red);    }
.zb-counter-val.empty    { color:var(--zb-gray);   }
.zb-counter-msg { font-size:.82rem; line-height:1.5; max-width:480px; }
.zb-zero-badge { background:var(--zb-green); color:#fff; font-family:'Montserrat','Inter',sans-serif; font-size:.78rem; font-weight:800; padding:6px 16px; border-radius:20px; white-space:nowrap; }
.zb-counter-breakdown { display:flex; gap:16px; flex-wrap:wrap; }
.zb-ctr-item { text-align:center; }
.zb-ctr-item .ci-lbl { font-size:.6rem; font-weight:700; text-transform:uppercase; letter-spacing:.06em; color:var(--zb-gray); }
.zb-ctr-item .ci-val { font-family:'Montserrat','Inter',sans-serif; font-size:.92rem; font-weight:800; color:var(--zb-char); }

/* ---- LAYOUT ---- */
.zb-layout { display:grid; grid-template-columns:1.05fr .95fr; gap:24px; align-items:start; }
.zb-panel { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:16px; padding:22px; }
.zb-results-panel { background:var(--zb-bg); border:1px solid var(--zb-border); border-radius:16px; padding:22px; }

/* ---- SECTION HEADER ---- */
.zb-sh { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:800; letter-spacing:.09em; text-transform:uppercase; padding-bottom:8px; border-bottom:2px solid var(--zb-border); margin:0 0 14px; display:flex; align-items:center; gap:6px; }
.zb-sh.blue   { color:var(--zb-blue);   }
.zb-sh.green  { color:var(--zb-green);  }
.zb-sh.amber  { color:var(--zb-amber);  }
.zb-sh.purple { color:var(--zb-purple); }
.zb-sh.teal   { color:var(--zb-teal);   }
.zb-sh.red    { color:var(--zb-red);    }
.zb-sh.gray   { color:var(--zb-gray);   }
.zb-gap { margin-top:20px; }

/* ---- FORM ---- */
.zb-r2 { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.zb-field { margin-bottom:10px; }
.zb-field:last-child { margin-bottom:0; }
.zb-field label { display:block; font-size:.74rem; font-weight:600; color:var(--zb-char); margin-bottom:4px; }
.zb-field label .h { font-weight:400; color:var(--zb-gray); font-size:.68rem; }
.zb-iw { display:flex; align-items:center; border:1.5px solid var(--zb-border); border-radius:8px; overflow:hidden; background:var(--zb-white); transition:border-color .2s; }
.zb-iw:focus-within { border-color:var(--zb-blue); }
.zb-pre,.zb-suf { background:var(--zb-bg); color:var(--zb-gray); font-size:.78rem; font-weight:600; padding:0 8px; height:36px; display:flex; align-items:center; flex-shrink:0; border-right:1.5px solid var(--zb-border); }
.zb-suf { border-right:none; border-left:1.5px solid var(--zb-border); }
.zb-iw input,.zb-iw select { flex:1; height:36px; border:none; outline:none; background:transparent; font-size:.84rem; color:var(--zb-char); padding:0 8px; min-width:0; }
.zb-sel { width:100%; height:36px; border:1.5px solid var(--zb-border); border-radius:8px; background:var(--zb-white); font-size:.82rem; color:var(--zb-char); padding:0 8px; outline:none; cursor:pointer; transition:border-color .2s; }
.zb-sel:focus { border-color:var(--zb-blue); }

/* ---- INCOME SOURCES ---- */
.zb-income-row { display:grid; grid-template-columns:1fr auto auto; gap:8px; align-items:center; background:var(--zb-bg); border-radius:9px; padding:10px 12px; margin-bottom:8px; }
.zb-income-row input[type=text] { border:1.5px solid var(--zb-border); border-radius:6px; padding:6px 8px; font-size:.8rem; background:var(--zb-white); outline:none; color:var(--zb-char); width:100%; }
.zb-income-row input[type=text]:focus { border-color:var(--zb-blue); }
.zb-income-amt { width:100px; }
.zb-income-rm { background:transparent; border:none; color:var(--zb-gray); font-size:1rem; cursor:pointer; padding:4px 6px; border-radius:5px; transition:all .15s; flex-shrink:0; }
.zb-income-rm:hover { color:var(--zb-red); background:#fff5f7; }
.zb-add-btn { width:100%; padding:9px; background:transparent; border:1.5px dashed var(--zb-border); border-radius:9px; color:var(--zb-blue); font-size:.78rem; font-weight:600; cursor:pointer; transition:all .2s; margin:6px 0 14px; display:flex; align-items:center; justify-content:center; gap:5px; }
.zb-add-btn:hover { border-color:var(--zb-blue); background:rgba(0,40,104,.04); }

/* ---- VARIABLE INCOME ---- */
.zb-var-months { display:grid; grid-template-columns:repeat(3,1fr); gap:8px; margin-bottom:10px; }
.zb-var-month { background:var(--zb-bg); border-radius:8px; padding:8px 10px; }
.zb-var-month label { font-size:.66rem; font-weight:600; color:var(--zb-gray); display:block; margin-bottom:4px; }
.zb-var-summary { background:linear-gradient(135deg,#1a0030,#7c3aed); border-radius:10px; padding:12px 14px; margin-top:8px; display:grid; grid-template-columns:repeat(3,1fr); gap:8px; }
.zb-vs-item .vs-lbl { font-size:.6rem; font-weight:700; text-transform:uppercase; color:rgba(255,255,255,.6); }
.zb-vs-item .vs-val { font-family:'Montserrat','Inter',sans-serif; font-size:.95rem; font-weight:800; color:#c4b5fd; }

/* ---- SE TAX PANEL ---- */
.zb-se-panel { background:linear-gradient(135deg,#fffbeb,#fef3c7); border:1px solid rgba(217,119,6,.3); border-radius:12px; padding:14px 16px; margin-bottom:14px; }
.zb-se-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:800; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-amber); margin-bottom:10px; }
.zb-se-grid { display:grid; grid-template-columns:1fr 1fr; gap:8px; }
.zb-se-block { background:rgba(255,255,255,.7); border-radius:8px; padding:9px 11px; }
.zb-se-lbl { font-size:.62rem; font-weight:600; text-transform:uppercase; letter-spacing:.05em; color:var(--zb-gray); margin-bottom:3px; }
.zb-se-val { font-family:'Montserrat','Inter',sans-serif; font-size:.9rem; font-weight:800; }

/* ---- FOUR WALLS TIERS ---- */
.zb-tier { margin-bottom:16px; }
.zb-tier-hdr { display:flex; align-items:center; gap:8px; padding:8px 12px; border-radius:10px; margin-bottom:10px; cursor:pointer; user-select:none; }
.zb-tier-hdr.t1 { background:rgba(191,10,48,.08); border:1px solid rgba(191,10,48,.2); }
.zb-tier-hdr.t2 { background:rgba(217,119,6,.08); border:1px solid rgba(217,119,6,.2); }
.zb-tier-hdr.t3 { background:rgba(8,145,178,.08); border:1px solid rgba(8,145,178,.2); }
.zb-tier-hdr.t4 { background:rgba(95,99,104,.08); border:1px solid rgba(95,99,104,.2); }
.zb-tier-badge { font-size:.62rem; font-weight:800; padding:2px 9px; border-radius:10px; color:#fff; letter-spacing:.04em; }
.zb-tier-badge.t1 { background:var(--zb-t1); }
.zb-tier-badge.t2 { background:var(--zb-t2); }
.zb-tier-badge.t3 { background:var(--zb-t3); }
.zb-tier-badge.t4 { background:var(--zb-t4); }
.zb-tier-name { font-family:'Montserrat','Inter',sans-serif; font-size:.73rem; font-weight:700; }
.zb-tier-name.t1 { color:var(--zb-t1); }
.zb-tier-name.t2 { color:var(--zb-t2); }
.zb-tier-name.t3 { color:var(--zb-t3); }
.zb-tier-name.t4 { color:var(--zb-t4); }
.zb-tier-total { margin-left:auto; font-family:'Montserrat','Inter',sans-serif; font-size:.82rem; font-weight:800; color:var(--zb-char); }
.zb-tier-arrow { font-size:.8rem; color:var(--zb-gray); transition:transform .2s; }
.zb-tier-arrow.open { transform:rotate(90deg); }
.zb-tier-body { display:none; }
.zb-tier-body.open { display:block; }

/* ---- EXPENSE ROWS ---- */
.zb-exp-row { display:grid; grid-template-columns:1fr 100px 28px; gap:6px; align-items:center; margin-bottom:7px; }
.zb-exp-row input[type=text] { border:1.5px solid var(--zb-border); border-radius:6px; padding:6px 9px; font-size:.8rem; background:var(--zb-white); outline:none; color:var(--zb-char); width:100%; transition:border-color .2s; }
.zb-exp-row input[type=text]:focus { border-color:var(--zb-blue); }
.zb-exp-amt { }
.zb-exp-rm { background:transparent; border:none; color:var(--zb-gray); font-size:.95rem; cursor:pointer; padding:4px; border-radius:5px; transition:all .15s; }
.zb-exp-rm:hover { color:var(--zb-red); }

/* ---- SINKING FUNDS ---- */
.zb-sf-row { background:var(--zb-bg); border-radius:9px; padding:10px 12px; margin-bottom:8px; }
.zb-sf-top { display:grid; grid-template-columns:1fr 90px 90px 28px; gap:6px; align-items:center; margin-bottom:4px; }
.zb-sf-top input[type=text] { border:1.5px solid var(--zb-border); border-radius:6px; padding:5px 8px; font-size:.79rem; background:var(--zb-white); outline:none; color:var(--zb-char); }
.zb-sf-top input[type=text]:focus { border-color:var(--zb-blue); }
.zb-sf-monthly { font-size:.72rem; color:var(--zb-green); font-weight:700; padding:2px 0; }

/* ---- DEBT ROWS ---- */
.zb-debt-row { background:var(--zb-bg); border-radius:9px; padding:10px 12px; margin-bottom:8px; }
.zb-debt-fields { display:grid; grid-template-columns:1fr 80px 70px 80px 28px; gap:6px; align-items:center; }
.zb-debt-fields input[type=text] { border:1.5px solid var(--zb-border); border-radius:6px; padding:5px 8px; font-size:.78rem; background:var(--zb-white); outline:none; color:var(--zb-char); }
.zb-debt-fields input[type=text]:focus { border-color:var(--zb-blue); }
.zb-debt-impact { font-size:.7rem; color:var(--zb-teal); margin-top:5px; font-weight:600; }

/* ---- AD ---- */
.ad-container.ad-in-calc { background:var(--zb-bg); border:1.5px dashed var(--zb-border); border-radius:10px; min-height:90px; display:flex; align-items:center; justify-content:center; color:var(--zb-gray); font-size:.72rem; margin:16px 0; text-align:center; }

/* ---- BUTTONS ---- */
.zb-calc-btn { width:100%; padding:14px; background:var(--zb-blue); color:#fff; font-family:'Montserrat','Inter',sans-serif; font-size:.98rem; font-weight:800; border:none; border-radius:10px; cursor:pointer; letter-spacing:.04em; transition:all .2s; display:flex; align-items:center; justify-content:center; gap:8px; }
.zb-calc-btn:hover { background:#001a4d; transform:translateY(-1px); box-shadow:0 6px 20px rgba(0,40,104,.3); }
.zb-reset-btn { width:100%; padding:9px; background:transparent; color:var(--zb-gray); font-size:.76rem; font-weight:600; border:1.5px solid var(--zb-border); border-radius:9px; cursor:pointer; margin-top:7px; transition:all .2s; }
.zb-reset-btn:hover { border-color:var(--zb-red); color:var(--zb-red); }
.zb-disc { font-size:.67rem; color:var(--zb-gray); line-height:1.55; text-align:center; margin-top:12px; padding-top:12px; border-top:1px solid var(--zb-border); }

/* ---- RESULTS ---- */
.zb-empty { text-align:center; padding:40px 20px; color:var(--zb-gray); }
.zb-empty-icon { font-size:2.8rem; display:block; margin-bottom:12px; opacity:.3; }
.zb-result-inner { display:none; }
.zb-result-inner.show { display:block; }

/* ---- HEALTH SCORE ---- */
.zb-score-ring { width:90px; height:90px; flex-shrink:0; }
.zb-score-row { display:flex; align-items:center; gap:16px; background:linear-gradient(135deg,#001030,#002868); border-radius:14px; padding:16px; margin-bottom:14px; }
.zb-score-text .st-lbl { font-size:.67rem; font-weight:700; text-transform:uppercase; letter-spacing:.08em; color:rgba(255,255,255,.55); }
.zb-score-text .st-score { font-family:'Montserrat','Inter',sans-serif; font-size:1.6rem; font-weight:900; color:#fff; }
.zb-score-text .st-grade { font-size:.8rem; color:#93c5fd; font-weight:600; }
.zb-score-text .st-note { font-size:.75rem; color:rgba(255,255,255,.65); margin-top:2px; line-height:1.45; }

/* ---- STATS ---- */
.zb-stats { display:grid; grid-template-columns:repeat(2,1fr); gap:10px; margin-bottom:14px; }
.zb-stat { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:10px; padding:11px 13px; text-align:center; }
.zb-stat.green  { border-color:rgba(0,135,90,.25); background:#f0fbf6; }
.zb-stat.blue   { border-color:rgba(0,40,104,.2); background:#eff6ff; }
.zb-stat.amber  { border-color:rgba(217,119,6,.25); background:#fffbeb; }
.zb-stat.red    { border-color:rgba(191,10,48,.25); background:#fff5f7; }
.zb-stat.purple { border-color:rgba(124,58,237,.2); background:#f5f3ff; }
.zb-stat.teal   { border-color:rgba(8,145,178,.2); background:#f0f9ff; }
.zb-stat-lbl { font-size:.61rem; font-weight:600; text-transform:uppercase; letter-spacing:.05em; color:var(--zb-gray); margin-bottom:3px; }
.zb-stat-val { font-family:'Montserrat','Inter',sans-serif; font-size:.95rem; font-weight:800; }
.zb-stat.green .zb-stat-val  { color:var(--zb-green);  }
.zb-stat.blue .zb-stat-val   { color:var(--zb-blue);   }
.zb-stat.amber .zb-stat-val  { color:var(--zb-amber);  }
.zb-stat.red .zb-stat-val    { color:var(--zb-red);    }
.zb-stat.purple .zb-stat-val { color:var(--zb-purple); }
.zb-stat.teal .zb-stat-val   { color:var(--zb-teal);   }

/* ---- ALLOCATION BARS ---- */
.zb-alloc-wrap { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-alloc-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-blue); margin-bottom:12px; }
.zb-alloc-row { margin-bottom:10px; }
.zb-alloc-hdr { display:flex; justify-content:space-between; align-items:center; margin-bottom:4px; font-size:.76rem; }
.zb-alloc-bar-wrap { background:var(--zb-bg); border-radius:6px; height:16px; overflow:hidden; position:relative; }
.zb-alloc-bar { height:100%; border-radius:6px; transition:width .5s; display:flex; align-items:center; justify-content:flex-end; padding-right:7px; }
.zb-alloc-bar-val { font-size:.64rem; font-weight:800; color:#fff; white-space:nowrap; }
.zb-alloc-target-line { position:absolute; top:0; bottom:0; width:2px; background:rgba(0,0,0,.3); }

/* ---- TIER SUMMARY TABLE ---- */
.zb-tier-summary { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; overflow:hidden; margin-bottom:14px; }
.zb-tst { width:100%; border-collapse:collapse; font-size:.79rem; }
.zb-tst thead tr { background:var(--zb-char); }
.zb-tst thead th { padding:8px 10px; color:#fff; font-size:.65rem; font-weight:700; text-transform:uppercase; letter-spacing:.04em; text-align:right; }
.zb-tst thead th:first-child { text-align:left; }
.zb-tst tbody tr:nth-child(even) { background:var(--zb-bg); }
.zb-tst tbody td { padding:8px 10px; text-align:right; color:var(--zb-char); }
.zb-tst tbody td:first-child { text-align:left; display:flex; align-items:center; gap:6px; font-weight:600; }
.zb-tst tfoot td { padding:9px 10px; background:var(--zb-blue); color:#fff; text-align:right; font-weight:800; font-family:'Montserrat','Inter',sans-serif; }
.zb-tst tfoot td:first-child { text-align:left; }

/* ---- 50/30/20 COMPARISON ---- */
.zb-5020 { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-5020-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-teal); margin-bottom:10px; }
.zb-5020-row { display:grid; grid-template-columns:1fr 60px 60px 60px; gap:8px; align-items:center; padding:6px 0; border-bottom:1px solid var(--zb-bg); font-size:.79rem; }
.zb-5020-row.hdr { font-size:.64rem; font-weight:700; text-transform:uppercase; letter-spacing:.04em; color:var(--zb-gray); border-bottom:1px solid var(--zb-border); }
.zb-5020-row > div { text-align:center; }
.zb-5020-row > div:first-child { text-align:left; font-weight:600; }
.zb-5020-pill { display:inline-block; padding:2px 8px; border-radius:10px; font-size:.64rem; font-weight:800; }
.zb-5020-pill.ok   { background:#d1fae5; color:#065f46; }
.zb-5020-pill.warn { background:#fef3c7; color:#92400e; }
.zb-5020-pill.over { background:#fee2e2; color:#991b1b; }

/* ---- SINKING FUND SUMMARY ---- */
.zb-sf-summary { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-sf-sum-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-green); margin-bottom:10px; }
.zb-sf-sum-row { display:flex; justify-content:space-between; padding:5px 0; border-bottom:1px solid var(--zb-bg); font-size:.79rem; }
.zb-sf-sum-row:last-child { border-bottom:none; font-weight:800; }

/* ---- DEBT PAYOFF PANEL ---- */
.zb-debt-panel { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-debt-p-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-purple); margin-bottom:10px; }
.zb-debt-p-row { display:grid; grid-template-columns:1fr 80px 80px; gap:8px; padding:6px 0; border-bottom:1px solid var(--zb-bg); font-size:.79rem; align-items:center; }
.zb-debt-p-row > div { text-align:right; }
.zb-debt-p-row > div:first-child { text-align:left; font-weight:600; }
.zb-debt-impact-box { background:linear-gradient(135deg,#2e0070,#7c3aed); border-radius:10px; padding:12px 14px; margin-top:10px; font-size:.8rem; color:rgba(255,255,255,.85); line-height:1.6; }
.zb-debt-impact-box strong { color:#c4b5fd; }

/* ---- ALERTS ---- */
.zb-alert { border-radius:10px; padding:10px 14px; margin-bottom:12px; font-size:.79rem; line-height:1.55; display:flex; gap:8px; align-items:flex-start; }
.zb-alert.red    { background:#fff5f7; border:1px solid rgba(191,10,48,.25); }
.zb-alert.amber  { background:#fffbeb; border:1px solid rgba(217,119,6,.3); }
.zb-alert.green  { background:#f0fbf6; border:1px solid rgba(0,135,90,.25); }
.zb-alert.blue   { background:#eff6ff; border:1px solid rgba(2,132,199,.25); color:#1e40af; }

/* ---- QUARTERLY TAX ---- */
.zb-qtax { background:linear-gradient(135deg,#fffbeb,#fef9c3); border:1px solid rgba(217,119,6,.25); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-qtax-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-amber); margin-bottom:10px; }
.zb-qtax-dates { display:grid; grid-template-columns:repeat(2,1fr); gap:8px; }
.zb-qtax-date { background:rgba(255,255,255,.7); border-radius:8px; padding:9px 11px; }
.zb-qtax-date .qd-lbl { font-size:.62rem; font-weight:700; text-transform:uppercase; letter-spacing:.05em; color:var(--zb-gray); }
.zb-qtax-date .qd-val { font-family:'Montserrat','Inter',sans-serif; font-size:.88rem; font-weight:800; color:var(--zb-amber); }

/* ---- ACTION ROW ---- */
.zb-action-row { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:14px; }
.zb-pdf-btn,.zb-wa-btn { padding:11px; border:none; border-radius:9px; font-family:'Montserrat','Inter',sans-serif; font-size:.78rem; font-weight:700; cursor:pointer; display:flex; align-items:center; justify-content:center; gap:6px; transition:all .2s; }
.zb-pdf-btn { background:var(--zb-red); color:#fff; }
.zb-pdf-btn:hover { background:#9b0826; transform:translateY(-1px); }
.zb-wa-btn  { background:#25D366; color:#fff; }
.zb-wa-btn:hover  { background:#128C7E; transform:translateY(-1px); }

/* ---- CHART ---- */
.zb-chart-wrap { background:var(--zb-white); border:1px solid var(--zb-border); border-radius:12px; padding:14px; margin-bottom:14px; }
.zb-chart-title { font-family:'Montserrat','Inter',sans-serif; font-size:.68rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--zb-blue); margin-bottom:10px; }

/* ---- RESPONSIVE ---- */
@media(max-width:960px) { .zb-layout{grid-template-columns:1fr;} }
@media(max-width:768px) { .zb-mode-grid{grid-template-columns:1fr;} .zb-r2{grid-template-columns:1fr;} .zb-var-months{grid-template-columns:repeat(2,1fr);} .zb-se-grid{grid-template-columns:1fr;} .zb-debt-fields{grid-template-columns:1fr 80px 28px;} .zb-action-row{grid-template-columns:1fr;} .zb-stats{grid-template-columns:1fr 1fr;} .zb-counter-breakdown{gap:10px;} }
@media(max-width:480px) { .zb-stats{grid-template-columns:1fr;} .zb-sf-top{grid-template-columns:1fr 80px 28px;} .zb-debt-fields{grid-template-columns:1fr 28px;} }

/* ---- HOW IT WORKS SECTION ---- */
.zb-hiw-section{max-width:1200px;margin:40px auto 0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--zb-char,#1D1D1F);-webkit-font-smoothing:antialiased}

/* TOC */
.zb-hiw-toc{background:var(--zb-white,#fff);border:1px solid var(--zb-border,#E0E4E8);border-radius:16px;padding:24px 26px;margin-bottom:28px;box-shadow:0 1px 4px rgba(0,40,104,.08)}
.zb-hiw-toc-title{font-family:'Montserrat','Inter',sans-serif;font-size:.82rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--zb-blue,#002868);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--zb-border,#E0E4E8);display:flex;align-items:center;gap:8px}
.zb-hiw-toc-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.zb-hiw-toc-item{display:flex;align-items:center;gap:10px;padding:10px 14px;background:var(--zb-bg,#F7F9FC);border:1px solid transparent;border-radius:10px;text-decoration:none;color:var(--zb-char,#1D1D1F);font-size:.82rem;font-weight:600;transition:all .2s;cursor:pointer}
.zb-hiw-toc-item:hover{border-color:var(--zb-blue,#002868);background:rgba(0,40,104,.04);transform:translateY(-1px)}
.zb-hiw-toc-num{width:26px;height:26px;border-radius:50%;background:linear-gradient(135deg,var(--zb-blue,#002868),#003d8c);color:#fff;font-family:'Montserrat','Inter',sans-serif;font-size:.68rem;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}

/* SECTION CARD */
.zb-hiw-card{background:var(--zb-white,#fff);border:1px solid var(--zb-border,#E0E4E8);border-radius:16px;padding:0;margin-bottom:24px;box-shadow:0 1px 4px rgba(0,40,104,.08);overflow:hidden}
.zb-hiw-card-hdr{padding:20px 24px;display:flex;align-items:center;gap:14px;border-bottom:1px solid var(--zb-border,#E0E4E8);background:var(--zb-bg,#F7F9FC)}
.zb-hiw-card-hdr .hiw-icon{font-size:1.6rem}
.zb-hiw-card-hdr h3{font-family:'Montserrat','Inter',sans-serif;font-size:1rem;font-weight:800;color:var(--zb-blue,#002868);margin:0;line-height:1.3}
.zb-hiw-card-hdr .hiw-badge{margin-left:auto;font-size:.62rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:20px;color:#fff;flex-shrink:0}
.zb-hiw-card-body{padding:22px 24px}
.zb-hiw-card-body p{font-size:.88rem;line-height:1.75;color:var(--zb-gray,#5F6368);margin-bottom:14px;max-width:none}
.zb-hiw-card-body p:last-child{margin-bottom:0}
.zb-hiw-card-body strong{color:var(--zb-char,#1D1D1F);font-weight:700}

/* STEP BLOCKS */
.zb-hiw-steps{display:flex;flex-direction:column;gap:0;position:relative;margin:16px 0 8px}
.zb-hiw-steps::before{content:'';position:absolute;left:17px;top:20px;bottom:20px;width:2px;background:var(--zb-border,#E0E4E8)}
.zb-hiw-step{display:flex;gap:14px;padding:12px 0;position:relative}
.zb-hiw-step-num{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat','Inter',sans-serif;font-size:.78rem;font-weight:800;color:#fff;flex-shrink:0;z-index:1;box-shadow:0 2px 8px rgba(0,40,104,.15)}
.zb-hiw-step-content{flex:1;padding-top:6px}
.zb-hiw-step-title{font-family:'Montserrat','Inter',sans-serif;font-size:.84rem;font-weight:700;color:var(--zb-char,#1D1D1F);margin-bottom:4px}
.zb-hiw-step-text{font-size:.82rem;line-height:1.65;color:var(--zb-gray,#5F6368)}

/* FORMULA BOXES */
.zb-hiw-formula{background:linear-gradient(135deg,#0a0010,#1a003a);border-radius:12px;padding:16px 20px;margin:14px 0;font-family:'Courier New',monospace;font-size:.82rem;line-height:1.7;color:#c4b5fd;overflow-x:auto}
.zb-hiw-formula .f-label{display:block;font-family:'Montserrat','Inter',sans-serif;font-size:.62rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:8px}
.zb-hiw-formula .f-line{display:block;padding:2px 0}
.zb-hiw-formula .f-eq{color:#4ade80;font-weight:700}
.zb-hiw-formula .f-op{color:#fbbf24}
.zb-hiw-formula .f-val{color:#93c5fd}
.zb-hiw-formula .f-result{color:#4ade80;font-weight:700;font-size:.88rem}

/* TIER COLOR STRIPS */
.zb-hiw-tier-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:14px 0}
.zb-hiw-tier-box{border-radius:12px;padding:14px 16px;border:1px solid}
.zb-hiw-tier-box.t1{background:rgba(191,10,48,.06);border-color:rgba(191,10,48,.2)}
.zb-hiw-tier-box.t2{background:rgba(217,119,6,.06);border-color:rgba(217,119,6,.2)}
.zb-hiw-tier-box.t3{background:rgba(8,145,178,.06);border-color:rgba(8,145,178,.2)}
.zb-hiw-tier-box.t4{background:rgba(95,99,104,.06);border-color:rgba(95,99,104,.2)}
.zb-hiw-tier-box .tb-badge{font-size:.58rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:2px 8px;border-radius:10px;color:#fff;display:inline-block;margin-bottom:6px}
.zb-hiw-tier-box .tb-badge.t1{background:var(--zb-t1,#BF0A30)}
.zb-hiw-tier-box .tb-badge.t2{background:var(--zb-t2,#D97706)}
.zb-hiw-tier-box .tb-badge.t3{background:var(--zb-t3,#0891B2)}
.zb-hiw-tier-box .tb-badge.t4{background:var(--zb-t4,#5F6368)}
.zb-hiw-tier-box .tb-title{font-family:'Montserrat','Inter',sans-serif;font-size:.82rem;font-weight:800;margin-bottom:6px}
.zb-hiw-tier-box.t1 .tb-title{color:var(--zb-t1,#BF0A30)}
.zb-hiw-tier-box.t2 .tb-title{color:var(--zb-t2,#D97706)}
.zb-hiw-tier-box.t3 .tb-title{color:var(--zb-t3,#0891B2)}
.zb-hiw-tier-box.t4 .tb-title{color:var(--zb-t4,#5F6368)}
.zb-hiw-tier-box .tb-items{font-size:.78rem;line-height:1.7;color:var(--zb-gray,#5F6368)}
.zb-hiw-tier-box .tb-items strong{color:var(--zb-char,#1D1D1F)}

/* INFO/ALERT BOXES */
.zb-hiw-info{border-radius:10px;padding:12px 16px;margin:14px 0;font-size:.82rem;line-height:1.65;display:flex;gap:10px;align-items:flex-start}
.zb-hiw-info.blue{background:#eff6ff;border:1px solid rgba(2,132,199,.25);color:#1e40af}
.zb-hiw-info.green{background:#f0fbf6;border:1px solid rgba(0,135,90,.25);color:#065f46}
.zb-hiw-info.amber{background:#fffbeb;border:1px solid rgba(217,119,6,.3);color:#92400e}
.zb-hiw-info.red{background:#fff5f7;border:1px solid rgba(191,10,48,.25);color:#7f1d1d}
.zb-hiw-info.purple{background:#f5f3ff;border:1px solid rgba(124,58,237,.2);color:#5b21b6}

/* MINI COMPARISON TABLE */
.zb-hiw-table-wrap{border:1px solid var(--zb-border,#E0E4E8);border-radius:12px;overflow:hidden;margin:14px 0}
.zb-hiw-table{width:100%;border-collapse:collapse;font-size:.8rem}
.zb-hiw-table thead tr{background:linear-gradient(135deg,#001030,#002868)}
.zb-hiw-table thead th{padding:10px 12px;color:#fff;font-family:'Montserrat','Inter',sans-serif;font-size:.64rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;text-align:left}
.zb-hiw-table tbody tr{border-bottom:1px solid var(--zb-border,#E0E4E8)}
.zb-hiw-table tbody tr:last-child{border-bottom:none}
.zb-hiw-table tbody tr:nth-child(even){background:var(--zb-bg,#F7F9FC)}
.zb-hiw-table tbody td{padding:10px 12px;color:var(--zb-char,#1D1D1F)}
.zb-hiw-table tbody td:first-child{font-weight:600}

/* SCORE BREAKDOWN */
.zb-hiw-score-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:14px 0}
.zb-hiw-score-item{background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8);border-radius:10px;padding:12px 14px;display:flex;align-items:center;gap:10px}
.zb-hiw-score-item .si-pts{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Montserrat','Inter',sans-serif;font-size:.78rem;font-weight:800;color:#fff;flex-shrink:0}
.zb-hiw-score-item .si-pts.blue{background:var(--zb-blue,#002868)}
.zb-hiw-score-item .si-pts.green{background:var(--zb-green,#00875A)}
.zb-hiw-score-item .si-pts.amber{background:var(--zb-amber,#D97706)}
.zb-hiw-score-item .si-pts.teal{background:var(--zb-teal,#0891B2)}
.zb-hiw-score-item .si-title{font-size:.76rem;font-weight:700;color:var(--zb-char,#1D1D1F)}
.zb-hiw-score-item .si-desc{font-size:.7rem;color:var(--zb-gray,#5F6368);line-height:1.5}

/* MODE DETAIL CARDS */
.zb-hiw-mode{border-radius:14px;padding:18px 20px;margin:14px 0;border:1.5px solid}
.zb-hiw-mode.w2{background:rgba(0,40,104,.04);border-color:rgba(0,40,104,.2)}
.zb-hiw-mode.freelance{background:rgba(124,58,237,.04);border-color:rgba(124,58,237,.2)}
.zb-hiw-mode.business{background:rgba(217,119,6,.04);border-color:rgba(217,119,6,.2)}
.zb-hiw-mode .mode-tag{font-size:.58rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:20px;color:#fff;display:inline-block;margin-bottom:8px}
.zb-hiw-mode.w2 .mode-tag{background:var(--zb-blue,#002868)}
.zb-hiw-mode.freelance .mode-tag{background:var(--zb-purple,#7C3AED)}
.zb-hiw-mode.business .mode-tag{background:var(--zb-amber,#D97706)}
.zb-hiw-mode .mode-title{font-family:'Montserrat','Inter',sans-serif;font-size:.88rem;font-weight:800;margin-bottom:6px}
.zb-hiw-mode.w2 .mode-title{color:var(--zb-blue,#002868)}
.zb-hiw-mode.freelance .mode-title{color:var(--zb-purple,#7C3AED)}
.zb-hiw-mode.business .mode-title{color:var(--zb-amber,#D97706)}
.zb-hiw-mode .mode-body{font-size:.82rem;line-height:1.7;color:var(--zb-gray,#5F6368)}
.zb-hiw-mode .mode-body strong{color:var(--zb-char,#1D1D1F)}

/* FLOW DIAGRAM */
.zb-hiw-flow{display:flex;align-items:center;justify-content:center;gap:0;margin:18px 0;flex-wrap:wrap}
.zb-hiw-flow-box{background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:10px;padding:10px 16px;text-align:center;font-size:.78rem;font-weight:700;color:var(--zb-char,#1D1D1F);min-width:100px;box-shadow:0 1px 4px rgba(0,40,104,.06)}
.zb-hiw-flow-arrow{font-size:1.2rem;color:var(--zb-blue,#002868);padding:0 6px;flex-shrink:0}

/* RESPONSIVE */
@media(max-width:768px){
  .zb-hiw-toc-grid{grid-template-columns:1fr}
  .zb-hiw-tier-grid{grid-template-columns:1fr}
  .zb-hiw-score-grid{grid-template-columns:1fr}
  .zb-hiw-card-hdr{padding:16px 18px;flex-wrap:wrap;gap:10px}
  .zb-hiw-card-body{padding:16px 18px}
  .zb-hiw-card-hdr h3{font-size:.9rem}
  .zb-hiw-flow{flex-direction:column;gap:4px}
  .zb-hiw-flow-arrow{transform:rotate(90deg)}
  .zb-hiw-formula{font-size:.75rem;padding:14px 16px}
  .zb-hiw-table{font-size:.74rem}
  .zb-hiw-table thead th,.zb-hiw-table tbody td{padding:8px 10px}
}
@media(max-width:480px){
  .zb-hiw-section{margin-top:28px}
  .zb-hiw-toc{padding:18px}
  .zb-hiw-card-hdr .hiw-badge{display:none}
  .zb-hiw-step{gap:10px}
  .zb-hiw-step-num{width:30px;height:30px;font-size:.7rem}
}

/* ---- EDUCATIONAL SECTION ---- */
.zb-edu-section{max-width:1200px;margin:40px auto 0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--zb-char,#1D1D1F);-webkit-font-smoothing:antialiased}

/* Section Header */
.zb-edu-hdr{background:linear-gradient(135deg,#0a0010 0%,#1a003a 45%,#002868 100%);border-radius:18px;padding:32px 28px;text-align:center;margin-bottom:28px;position:relative;overflow:hidden}
.zb-edu-hdr::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 25% 80%,rgba(0,135,90,.10) 0%,transparent 55%),radial-gradient(ellipse at 75% 20%,rgba(191,10,48,.08) 0%,transparent 55%);pointer-events:none}
.zb-edu-hdr::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);background-size:44px 44px;pointer-events:none}
.zb-edu-hdr h2{font-family:'Montserrat','Inter',sans-serif;font-size:clamp(1.2rem,2.8vw,1.7rem);font-weight:800;color:#fff;margin:0 0 10px;position:relative;z-index:1}
.zb-edu-hdr p{font-size:.85rem;color:rgba(255,255,255,.68);max-width:720px;margin:0 auto;line-height:1.6;position:relative;z-index:1}

/* Sub-section */
.zb-edu-sub{background:var(--zb-white,#fff);border:1px solid var(--zb-border,#E0E4E8);border-radius:16px;margin-bottom:24px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08)}

/* Sub-section Header bar */
.zb-edu-sub-hdr{display:flex;align-items:center;gap:12px;padding:16px 22px;border-bottom:1px solid var(--zb-border,#E0E4E8);background:var(--zb-bg,#F7F9FC)}
.zb-edu-sub-icon{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0}
.zb-edu-sub-icon.navy{background:linear-gradient(135deg,#001030,#002868)}
.zb-edu-sub-icon.red{background:linear-gradient(135deg,#4a0010,#BF0A30)}
.zb-edu-sub-icon.green{background:linear-gradient(135deg,#002818,#00875A)}
.zb-edu-sub-icon.purple{background:linear-gradient(135deg,#1a0040,#7C3AED)}
.zb-edu-sub-icon.teal{background:linear-gradient(135deg,#001820,#0891B2)}
.zb-edu-sub-icon.amber{background:linear-gradient(135deg,#3d1c00,#D97706)}
.zb-edu-sub-title{font-family:'Montserrat','Inter',sans-serif;font-size:.92rem;font-weight:800;color:var(--zb-char,#1D1D1F)}
.zb-edu-sub-body{padding:22px 24px}

/* Prose */
.zb-edu-prose{font-size:.84rem;color:var(--zb-gray,#5F6368);line-height:1.75;margin-bottom:18px}
.zb-edu-prose strong{color:var(--zb-char,#1D1D1F)}
.zb-edu-prose:last-child{margin-bottom:0}

/* Core Equation Box */
.zb-edu-eq{background:linear-gradient(135deg,#0a0010,#1a003a);border-radius:12px;padding:20px 22px;margin-bottom:20px;text-align:center}
.zb-edu-eq-label{font-family:'Montserrat','Inter',sans-serif;font-size:.6rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:12px}
.zb-edu-eq-formula{font-family:'Courier New',monospace;font-size:clamp(.9rem,2.5vw,1.3rem);font-weight:700;color:#4ade80;line-height:1.6}
.zb-edu-eq-formula .eq-val{color:#93c5fd}
.zb-edu-eq-formula .eq-op{color:#fbbf24}
.zb-edu-eq-formula .eq-result{color:#4ade80}
.zb-edu-eq-sub{font-size:.78rem;color:rgba(255,255,255,.55);margin-top:10px;line-height:1.5}

/* Principle Flow Visual */
.zb-edu-flow{display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap;margin:20px 0}
.zb-edu-flow-step{background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:10px;padding:10px 16px;text-align:center;min-width:100px}
.zb-edu-flow-step .fs-icon{font-size:1.2rem;margin-bottom:4px}
.zb-edu-flow-step .fs-text{font-family:'Montserrat','Inter',sans-serif;font-size:.68rem;font-weight:700;color:var(--zb-char,#1D1D1F)}
.zb-edu-flow-step .fs-sub{font-size:.6rem;color:var(--zb-gray,#5F6368);margin-top:2px}
.zb-edu-flow-arrow{color:var(--zb-border,#E0E4E8);font-size:1.2rem;padding:0 4px;flex-shrink:0}

/* Info Alert */
.zb-edu-alert{border-radius:12px;padding:14px 16px;margin-bottom:18px;display:flex;gap:10px;align-items:flex-start;font-size:.82rem;line-height:1.65}
.zb-edu-alert.blue{background:#eff6ff;border:1px solid rgba(0,40,104,.2);color:#1e40af}
.zb-edu-alert.green{background:#f0fbf6;border:1px solid rgba(0,135,90,.25);color:#065f46}
.zb-edu-alert.amber{background:#fffbeb;border:1px solid rgba(217,119,6,.3);color:#92400e}

/* History Timeline */
.zb-edu-timeline{position:relative;padding-left:24px;margin:18px 0}
.zb-edu-timeline::before{content:'';position:absolute;left:6px;top:4px;bottom:4px;width:2px;background:var(--zb-border,#E0E4E8)}
.zb-edu-tl-item{position:relative;padding-bottom:18px}
.zb-edu-tl-item:last-child{padding-bottom:0}
.zb-edu-tl-dot{position:absolute;left:-21px;top:4px;width:12px;height:12px;border-radius:50%;border:2.5px solid var(--zb-blue,#002868);background:#fff}
.zb-edu-tl-item.active .zb-edu-tl-dot{background:var(--zb-blue,#002868)}
.zb-edu-tl-year{font-family:'Montserrat','Inter',sans-serif;font-size:.72rem;font-weight:800;color:var(--zb-blue,#002868);margin-bottom:3px}
.zb-edu-tl-text{font-size:.8rem;color:var(--zb-gray,#5F6368);line-height:1.6}

/* Glossary Table */
.zb-edu-glossary{width:100%;border-collapse:collapse}
.zb-edu-glossary thead th{font-family:'Montserrat','Inter',sans-serif;font-size:.62rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--zb-gray,#5F6368);padding:10px 14px;text-align:left;background:var(--zb-bg,#F7F9FC);border-bottom:2px solid var(--zb-border,#E0E4E8)}
.zb-edu-glossary tbody tr{border-bottom:1px solid var(--zb-border,#E0E4E8);transition:background .15s}
.zb-edu-glossary tbody tr:hover{background:var(--zb-bg,#F7F9FC)}
.zb-edu-glossary tbody tr:last-child{border-bottom:none}
.zb-edu-glossary td{padding:12px 14px;vertical-align:top;font-size:.82rem;line-height:1.6}
.zb-edu-glossary .gl-term{font-family:'Montserrat','Inter',sans-serif;font-weight:700;color:var(--zb-char,#1D1D1F);white-space:nowrap}
.zb-edu-glossary .gl-def{color:var(--zb-gray,#5F6368)}
.zb-edu-glossary .gl-badge{display:inline-block;font-size:.56rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:2px 8px;border-radius:10px;color:#fff;vertical-align:middle;margin-left:6px}
.zb-edu-glossary .gl-badge.t1{background:#BF0A30}
.zb-edu-glossary .gl-badge.t2{background:#D97706}
.zb-edu-glossary .gl-badge.t3{background:#0891B2}
.zb-edu-glossary .gl-badge.t4{background:#5F6368}
.zb-edu-glossary .gl-badge.sf{background:#00875A}
.zb-edu-glossary .gl-badge.mode{background:#002868}
.zb-edu-glossary .gl-badge.score{background:#7C3AED}
.zb-edu-glossary .gl-badge.tax{background:#D97706}
.zb-edu-glossary .gl-badge.debt{background:#BF0A30}
.zb-edu-glossary .gl-badge.output{background:#0891B2}

/* Table wrapper for scroll */
.zb-edu-table-wrap{overflow-x:auto;border:1px solid var(--zb-border,#E0E4E8);border-radius:12px;margin-bottom:18px}
.zb-edu-table-wrap table{min-width:640px}

/* Comparison Grid */
.zb-edu-vs{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}
.zb-edu-vs-col{border-radius:12px;padding:18px 20px;border:1px solid}
.zb-edu-vs-col.zbb{background:#f0fbf6;border-color:rgba(0,135,90,.25)}
.zb-edu-vs-col.trad{background:#fef2f2;border-color:rgba(191,10,48,.2)}
.zb-edu-vs-label{font-family:'Montserrat','Inter',sans-serif;font-size:.64rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;margin-bottom:12px}
.zb-edu-vs-col.zbb .zb-edu-vs-label{color:#065f46}
.zb-edu-vs-col.trad .zb-edu-vs-label{color:#991b1b}
.zb-edu-vs-item{font-size:.8rem;color:var(--zb-gray,#5F6368);line-height:1.6;padding:6px 0;border-bottom:1px solid rgba(0,0,0,.06)}
.zb-edu-vs-item:last-child{border-bottom:none}
.zb-edu-vs-item strong{color:var(--zb-char,#1D1D1F)}

/* Tier Visual Cards */
.zb-edu-tier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0}
.zb-edu-tier-card{border-radius:12px;padding:14px 16px;text-align:center}
.zb-edu-tier-card.t1{background:#fff5f7;border:1.5px solid rgba(191,10,48,.25)}
.zb-edu-tier-card.t2{background:#fffbeb;border:1.5px solid rgba(217,119,6,.3)}
.zb-edu-tier-card.t3{background:#f0f9ff;border:1.5px solid rgba(8,145,178,.25)}
.zb-edu-tier-card.t4{background:var(--zb-bg,#F7F9FC);border:1.5px solid var(--zb-border,#E0E4E8)}
.zb-edu-tier-num{font-family:'Montserrat','Inter',sans-serif;font-size:1.6rem;font-weight:900;margin-bottom:2px}
.zb-edu-tier-card.t1 .zb-edu-tier-num{color:#BF0A30}
.zb-edu-tier-card.t2 .zb-edu-tier-num{color:#D97706}
.zb-edu-tier-card.t3 .zb-edu-tier-num{color:#0891B2}
.zb-edu-tier-card.t4 .zb-edu-tier-num{color:var(--zb-gray,#5F6368)}
.zb-edu-tier-name{font-family:'Montserrat','Inter',sans-serif;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.05em;margin-bottom:6px}
.zb-edu-tier-card.t1 .zb-edu-tier-name{color:#BF0A30}
.zb-edu-tier-card.t2 .zb-edu-tier-name{color:#D97706}
.zb-edu-tier-card.t3 .zb-edu-tier-name{color:#0891B2}
.zb-edu-tier-card.t4 .zb-edu-tier-name{color:var(--zb-gray,#5F6368)}
.zb-edu-tier-list{list-style:none;padding:0;margin:0;text-align:left}
.zb-edu-tier-list li{font-size:.74rem;color:var(--zb-gray,#5F6368);padding:3px 0;border-bottom:1px solid rgba(0,0,0,.04)}
.zb-edu-tier-list li:last-child{border-bottom:none}

/* Mode Cards */
.zb-edu-mode-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.zb-edu-mode-card{background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:12px;padding:16px;text-align:center;transition:box-shadow .2s,transform .2s}
.zb-edu-mode-card:hover{box-shadow:0 4px 16px rgba(0,40,104,.1);transform:translateY(-2px)}
.zb-edu-mode-icon{font-size:1.5rem;margin-bottom:8px}
.zb-edu-mode-name{font-family:'Montserrat','Inter',sans-serif;font-size:.78rem;font-weight:800;color:var(--zb-char,#1D1D1F);margin-bottom:6px}
.zb-edu-mode-desc{font-size:.74rem;color:var(--zb-gray,#5F6368);line-height:1.55}

/* Score Breakdown */
.zb-edu-score-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0}
.zb-edu-score-item{background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8);border-radius:10px;padding:12px;text-align:center}
.zb-edu-score-pts{font-family:'Montserrat','Inter',sans-serif;font-size:1.1rem;font-weight:900;color:var(--zb-purple,#7C3AED)}
.zb-edu-score-lbl{font-size:.66rem;font-weight:600;color:var(--zb-gray,#5F6368);margin-top:3px;line-height:1.4}

/* Grade Table */
.zb-edu-grade-strip{display:flex;gap:6px;flex-wrap:wrap;margin:14px 0}
.zb-edu-grade{flex:1;min-width:60px;border-radius:10px;padding:10px 6px;text-align:center}
.zb-edu-grade.a{background:#d1fae5;border:1px solid #86efac}
.zb-edu-grade.b{background:#dbeafe;border:1px solid #93c5fd}
.zb-edu-grade.c{background:#fef3c7;border:1px solid #fcd34d}
.zb-edu-grade.d{background:#fed7aa;border:1px solid #fdba74}
.zb-edu-grade.f{background:#fecaca;border:1px solid #fca5a5}
.zb-edu-grade-letter{font-family:'Montserrat','Inter',sans-serif;font-size:1rem;font-weight:900}
.zb-edu-grade.a .zb-edu-grade-letter{color:#065f46}
.zb-edu-grade.b .zb-edu-grade-letter{color:#1e40af}
.zb-edu-grade.c .zb-edu-grade-letter{color:#92400e}
.zb-edu-grade.d .zb-edu-grade-letter{color:#9a3412}
.zb-edu-grade.f .zb-edu-grade-letter{color:#991b1b}
.zb-edu-grade-range{font-size:.58rem;font-weight:600;color:var(--zb-gray,#5F6368);margin-top:2px}

/* Dark callout */
.zb-edu-dark{background:linear-gradient(135deg,#0a0010,#001030);border-radius:12px;padding:16px 18px;margin:18px 0}
.zb-edu-dark-title{font-family:'Montserrat','Inter',sans-serif;font-size:.62rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:8px}
.zb-edu-dark p{font-size:.82rem;color:rgba(255,255,255,.75);line-height:1.7;margin:0}
.zb-edu-dark p strong{color:#fff}

/* Search / Filter */
.zb-edu-search-wrap{display:flex;gap:10px;margin-bottom:18px;flex-wrap:wrap;align-items:center}
.zb-edu-search{flex:1;min-width:200px;padding:10px 14px 10px 36px;border:1.5px solid var(--zb-border,#E0E4E8);border-radius:10px;font:500 14px Inter,sans-serif;background:var(--zb-bg,#F7F9FC) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%235F6368' viewBox='0 0 24 24'%3E%3Cpath d='M15.5 14h-.79l-.28-.27A6.471 6.471 0 0 0 16 9.5 6.5 6.5 0 1 0 9.5 16c1.61 0 3.09-.59 4.23-1.57l.27.28v.79l5 4.99L20.49 19l-4.99-5zm-6 0C7.01 14 5 11.99 5 9.5S7.01 5 9.5 5 14 7.01 14 9.5 11.99 14 9.5 14z'/%3E%3C/svg%3E") 12px center no-repeat;color:var(--zb-char,#1D1D1F);outline:none;transition:.2s}
.zb-edu-search:focus{border-color:var(--zb-blue,#002868);box-shadow:0 0 0 3px rgba(0,40,104,.1);background-color:#fff}
.zb-edu-filter-btns{display:flex;gap:5px;flex-wrap:wrap}
.zb-edu-filter-btn{border:1.5px solid var(--zb-border,#E0E4E8);background:var(--zb-white,#fff);border-radius:8px;padding:6px 12px;font:700 .68rem 'Montserrat','Inter',sans-serif;color:var(--zb-gray,#5F6368);cursor:pointer;transition:.2s;text-transform:uppercase;letter-spacing:.04em}
.zb-edu-filter-btn:hover,.zb-edu-filter-btn.active{background:var(--zb-blue,#002868);color:#fff;border-color:var(--zb-blue,#002868)}
.zb-edu-count{font-size:.72rem;color:var(--zb-gray,#5F6368);margin-bottom:12px}

/* RESPONSIVE */
@media(max-width:768px){
  .zb-edu-sub-body{padding:16px 18px}
  .zb-edu-tier-grid{grid-template-columns:1fr 1fr}
  .zb-edu-mode-grid{grid-template-columns:1fr}
  .zb-edu-vs{grid-template-columns:1fr}
  .zb-edu-score-grid{grid-template-columns:1fr 1fr}
  .zb-edu-flow{flex-direction:column;gap:0}
  .zb-edu-flow-arrow{transform:rotate(90deg)}
  .zb-edu-grade-strip{flex-wrap:wrap}
  .zb-edu-search-wrap{flex-direction:column}
  .zb-edu-filter-btns{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;padding-bottom:4px}
}
@media(max-width:480px){
  .zb-edu-section{margin-top:28px}
  .zb-edu-hdr{padding:24px 18px}
  .zb-edu-tier-grid{grid-template-columns:1fr}
  .zb-edu-score-grid{grid-template-columns:1fr}
  .zb-edu-grade-strip{gap:4px}
}

/* ---- REAL EXAMPLES SECTION ---- */
.zb-ex-section{max-width:1200px;margin:40px auto 0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--zb-char,#1D1D1F);-webkit-font-smoothing:antialiased}

/* Section Header */
.zb-ex-header{background:linear-gradient(135deg,#0a0010 0%,#1a003a 45%,#002868 100%);border-radius:18px;padding:32px 28px;text-align:center;margin-bottom:28px;position:relative;overflow:hidden}
.zb-ex-header::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 15% 70%,rgba(0,135,90,.12) 0%,transparent 55%),radial-gradient(ellipse at 85% 30%,rgba(124,58,237,.10) 0%,transparent 55%);pointer-events:none}
.zb-ex-header::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);background-size:44px 44px;pointer-events:none}
.zb-ex-header h2{font-family:'Montserrat','Inter',sans-serif;font-size:clamp(1.2rem,2.8vw,1.7rem);font-weight:800;color:#fff;margin:0 0 10px;position:relative;z-index:1}
.zb-ex-header p{font-size:.85rem;color:rgba(255,255,255,.68);max-width:700px;margin:0 auto;line-height:1.6;position:relative;z-index:1}

/* Example Card */
.zb-ex-card{background:var(--zb-white,#fff);border:1px solid var(--zb-border,#E0E4E8);border-radius:16px;margin-bottom:28px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.08)}

/* Profile Header */
.zb-ex-profile{display:flex;align-items:center;gap:16px;padding:22px 24px;border-bottom:1px solid var(--zb-border,#E0E4E8);background:var(--zb-bg,#F7F9FC);flex-wrap:wrap}
.zb-ex-avatar{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.7rem;flex-shrink:0;box-shadow:0 3px 12px rgba(0,0,0,.1)}
.zb-ex-avatar.blue{background:linear-gradient(135deg,#002868,#003d8c)}
.zb-ex-avatar.purple{background:linear-gradient(135deg,#4c1d95,#7c3aed)}
.zb-ex-avatar.amber{background:linear-gradient(135deg,#92400e,#d97706)}
.zb-ex-avatar.green{background:linear-gradient(135deg,#064e3b,#00875a)}
.zb-ex-avatar.teal{background:linear-gradient(135deg,#155e75,#0891b2)}
.zb-ex-info{flex:1;min-width:200px}
.zb-ex-name{font-family:'Montserrat','Inter',sans-serif;font-size:1rem;font-weight:800;color:var(--zb-char,#1D1D1F);margin-bottom:3px}
.zb-ex-meta{font-size:.78rem;color:var(--zb-gray,#5F6368);line-height:1.5}
.zb-ex-tags{display:flex;gap:6px;flex-wrap:wrap;margin-left:auto}
.zb-ex-tag{font-size:.6rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:3px 10px;border-radius:20px;color:#fff;white-space:nowrap}
.zb-ex-tag.w2{background:var(--zb-blue,#002868)}
.zb-ex-tag.freelance{background:var(--zb-purple,#7C3AED)}
.zb-ex-tag.business{background:var(--zb-amber,#D97706)}
.zb-ex-tag.mode{background:var(--zb-gray,#5F6368)}

/* Body */
.zb-ex-body{padding:22px 24px}

/* Scenario Box */
.zb-ex-scenario{background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8);border-radius:12px;padding:16px 18px;margin-bottom:18px;font-size:.84rem;line-height:1.7;color:var(--zb-gray,#5F6368)}
.zb-ex-scenario strong{color:var(--zb-char,#1D1D1F)}

/* Input Grid */
.zb-ex-inputs-title{font-family:'Montserrat','Inter',sans-serif;font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--zb-blue,#002868);margin-bottom:12px;padding-bottom:8px;border-bottom:2px solid var(--zb-border,#E0E4E8);display:flex;align-items:center;gap:6px}
.zb-ex-tier{margin-bottom:14px}
.zb-ex-tier-hdr{display:flex;align-items:center;gap:8px;margin-bottom:8px}
.zb-ex-tier-badge{font-size:.56rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:2px 8px;border-radius:10px;color:#fff}
.zb-ex-tier-badge.t1{background:#BF0A30}
.zb-ex-tier-badge.t2{background:#D97706}
.zb-ex-tier-badge.t3{background:#0891B2}
.zb-ex-tier-badge.t4{background:#5F6368}
.zb-ex-tier-badge.sf{background:#00875A}
.zb-ex-tier-badge.sav{background:#7C3AED}
.zb-ex-tier-badge.debt{background:#002868}
.zb-ex-tier-name{font-family:'Montserrat','Inter',sans-serif;font-size:.76rem;font-weight:700}
.zb-ex-tier-name.t1{color:#BF0A30}
.zb-ex-tier-name.t2{color:#D97706}
.zb-ex-tier-name.t3{color:#0891B2}
.zb-ex-tier-name.t4{color:#5F6368}
.zb-ex-tier-name.sf{color:#00875A}
.zb-ex-tier-name.sav{color:#7C3AED}
.zb-ex-tier-name.debt{color:#002868}
.zb-ex-items{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px}
.zb-ex-item{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid rgba(224,228,232,.5);font-size:.8rem}
.zb-ex-item:last-child{border-bottom:none}
.zb-ex-item .ei-name{color:var(--zb-gray,#5F6368)}
.zb-ex-item .ei-val{font-family:'Montserrat','Inter',sans-serif;font-weight:700;color:var(--zb-char,#1D1D1F);font-variant-numeric:tabular-nums}

/* Tier Subtotal */
.zb-ex-subtotal{display:flex;justify-content:space-between;padding:6px 10px;background:rgba(0,40,104,.04);border-radius:8px;margin-top:6px;font-size:.78rem;font-weight:700}
.zb-ex-subtotal .st-label{color:var(--zb-gray,#5F6368)}
.zb-ex-subtotal .st-val{font-family:'Montserrat','Inter',sans-serif;color:var(--zb-char,#1D1D1F)}

/* Math Box */
.zb-ex-math{background:linear-gradient(135deg,#0a0010,#1a003a);border-radius:12px;padding:18px 20px;margin:18px 0;font-family:'Courier New',monospace;font-size:.8rem;line-height:1.8;color:#c4b5fd;overflow-x:auto}
.zb-ex-math .m-label{display:block;font-family:'Montserrat','Inter',sans-serif;font-size:.6rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:8px}
.zb-ex-math .m-line{display:block;padding:1px 0}
.zb-ex-math .m-eq{color:#4ade80;font-weight:700}
.zb-ex-math .m-op{color:#fbbf24}
.zb-ex-math .m-val{color:#93c5fd}
.zb-ex-math .m-result{color:#4ade80;font-weight:700;font-size:.84rem}
.zb-ex-math .m-dim{color:rgba(196,181,253,.5);font-size:.72rem}

/* Results Strip */
.zb-ex-results{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:18px 0}
.zb-ex-kpi{text-align:center;border-radius:10px;padding:12px 10px;border:1px solid}
.zb-ex-kpi.blue{background:#eff6ff;border-color:rgba(0,40,104,.2)}
.zb-ex-kpi.green{background:#f0fbf6;border-color:rgba(0,135,90,.25)}
.zb-ex-kpi.amber{background:#fffbeb;border-color:rgba(217,119,6,.25)}
.zb-ex-kpi.red{background:#fff5f7;border-color:rgba(191,10,48,.25)}
.zb-ex-kpi.purple{background:#f5f3ff;border-color:rgba(124,58,237,.2)}
.zb-ex-kpi.teal{background:#f0f9ff;border-color:rgba(8,145,178,.2)}
.zb-ex-kpi-lbl{font-size:.58rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--zb-gray,#5F6368);margin-bottom:4px}
.zb-ex-kpi-val{font-family:'Montserrat','Inter',sans-serif;font-size:.92rem;font-weight:800}
.zb-ex-kpi.blue .zb-ex-kpi-val{color:var(--zb-blue,#002868)}
.zb-ex-kpi.green .zb-ex-kpi-val{color:var(--zb-green,#00875A)}
.zb-ex-kpi.amber .zb-ex-kpi-val{color:var(--zb-amber,#D97706)}
.zb-ex-kpi.red .zb-ex-kpi-val{color:var(--zb-red,#BF0A30)}
.zb-ex-kpi.purple .zb-ex-kpi-val{color:var(--zb-purple,#7C3AED)}
.zb-ex-kpi.teal .zb-ex-kpi-val{color:var(--zb-teal,#0891B2)}

/* Allocation Bars */
.zb-ex-alloc{margin:14px 0}
.zb-ex-alloc-row{margin-bottom:8px}
.zb-ex-alloc-hdr{display:flex;justify-content:space-between;margin-bottom:3px;font-size:.74rem}
.zb-ex-alloc-hdr .ah-name{font-weight:600;color:var(--zb-char,#1D1D1F)}
.zb-ex-alloc-hdr .ah-pct{color:var(--zb-gray,#5F6368);font-variant-numeric:tabular-nums}
.zb-ex-alloc-track{height:14px;background:var(--zb-bg,#F7F9FC);border-radius:7px;overflow:hidden;border:1px solid var(--zb-border,#E0E4E8)}
.zb-ex-alloc-fill{height:100%;border-radius:7px;display:flex;align-items:center;justify-content:flex-end;padding-right:6px;transition:width .5s}
.zb-ex-alloc-fill span{font-size:.58rem;font-weight:800;color:#fff;white-space:nowrap}

/* Verdict */
.zb-ex-verdict{border-radius:12px;padding:14px 16px;margin:14px 0;display:flex;gap:10px;align-items:flex-start;font-size:.82rem;line-height:1.65}
.zb-ex-verdict.green{background:#f0fbf6;border:1px solid rgba(0,135,90,.25);color:#065f46}
.zb-ex-verdict.amber{background:#fffbeb;border:1px solid rgba(217,119,6,.3);color:#92400e}
.zb-ex-verdict.blue{background:#eff6ff;border:1px solid rgba(2,132,199,.25);color:#1e40af}

/* Score Mini Ring */
.zb-ex-score-row{display:flex;align-items:center;gap:14px;background:linear-gradient(135deg,#001030,#002868);border-radius:12px;padding:14px 18px;margin:14px 0}
.zb-ex-score-ring{width:60px;height:60px;flex-shrink:0}
.zb-ex-score-info .si-grade{font-family:'Montserrat','Inter',sans-serif;font-size:.92rem;font-weight:800;color:#fff}
.zb-ex-score-info .si-note{font-size:.76rem;color:rgba(255,255,255,.65);line-height:1.5;margin-top:2px}

/* 50/30/20 Mini */
.zb-ex-5020{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:14px 0}
.zb-ex-5020-item{text-align:center;border-radius:10px;padding:10px 8px;background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8)}
.zb-ex-5020-item .fi-lbl{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--zb-gray,#5F6368);margin-bottom:4px}
.zb-ex-5020-item .fi-actual{font-family:'Montserrat','Inter',sans-serif;font-size:.88rem;font-weight:800;color:var(--zb-char,#1D1D1F)}
.zb-ex-5020-item .fi-target{font-size:.66rem;color:var(--zb-gray,#5F6368);margin-top:2px}
.zb-ex-5020-pill{display:inline-block;padding:2px 8px;border-radius:10px;font-size:.6rem;font-weight:800;margin-top:4px}
.zb-ex-5020-pill.ok{background:#d1fae5;color:#065f46}
.zb-ex-5020-pill.warn{background:#fef3c7;color:#92400e}
.zb-ex-5020-pill.over{background:#fee2e2;color:#991b1b}

/* SE Tax Mini Panel */
.zb-ex-se{background:linear-gradient(135deg,#fffbeb,#fef3c7);border:1px solid rgba(217,119,6,.3);border-radius:12px;padding:14px 16px;margin:14px 0}
.zb-ex-se-title{font-family:'Montserrat','Inter',sans-serif;font-size:.64rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--zb-amber,#D97706);margin-bottom:10px}
.zb-ex-se-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.zb-ex-se-block{background:rgba(255,255,255,.7);border-radius:8px;padding:8px 10px;text-align:center}
.zb-ex-se-block .sb-lbl{font-size:.58rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:var(--zb-gray,#5F6368);margin-bottom:2px}
.zb-ex-se-block .sb-val{font-family:'Montserrat','Inter',sans-serif;font-size:.84rem;font-weight:800}

/* P&L Mini */
.zb-ex-pl{background:linear-gradient(135deg,#fffbeb,#fef9c3);border:1px solid rgba(217,119,6,.25);border-radius:12px;padding:14px 16px;margin:14px 0}
.zb-ex-pl-title{font-family:'Montserrat','Inter',sans-serif;font-size:.64rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--zb-amber,#D97706);margin-bottom:10px}
.zb-ex-pl-row{display:flex;justify-content:space-between;padding:5px 0;border-bottom:1px solid rgba(217,119,6,.12);font-size:.8rem}
.zb-ex-pl-row:last-child{border-bottom:none}
.zb-ex-pl-row .pr-name{color:var(--zb-gray,#5F6368)}
.zb-ex-pl-row .pr-val{font-family:'Montserrat','Inter',sans-serif;font-weight:700}
.zb-ex-pl-row.total{font-weight:800;padding-top:8px;margin-top:4px;border-top:2px solid rgba(217,119,6,.2);border-bottom:none}
.zb-ex-pl-row.total .pr-name{color:var(--zb-char,#1D1D1F)}
.zb-ex-pl-row.total .pr-val{color:var(--zb-green,#00875A)}

/* Key Takeaway */
.zb-ex-takeaway{background:var(--zb-bg,#F7F9FC);border-left:4px solid var(--zb-blue,#002868);border-radius:0 10px 10px 0;padding:12px 16px;margin:14px 0;font-size:.82rem;line-height:1.65;color:var(--zb-gray,#5F6368)}
.zb-ex-takeaway strong{color:var(--zb-char,#1D1D1F)}
.zb-ex-takeaway .tk-title{font-family:'Montserrat','Inter',sans-serif;font-size:.7rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--zb-blue,#002868);margin-bottom:6px}

/* RESPONSIVE */
@media(max-width:768px){
  .zb-ex-profile{padding:16px 18px}
  .zb-ex-body{padding:16px 18px}
  .zb-ex-items{grid-template-columns:1fr}
  .zb-ex-results{grid-template-columns:1fr 1fr}
  .zb-ex-5020{grid-template-columns:1fr}
  .zb-ex-se-grid{grid-template-columns:1fr}
  .zb-ex-tags{margin-left:0;margin-top:4px}
  .zb-ex-math{font-size:.73rem;padding:14px 16px}
  .zb-ex-avatar{width:46px;height:46px;font-size:1.3rem}
}
@media(max-width:480px){
  .zb-ex-section{margin-top:28px}
  .zb-ex-header{padding:24px 18px}
  .zb-ex-results{grid-template-columns:1fr}
  .zb-ex-profile{gap:12px}
  .zb-ex-name{font-size:.9rem}
  .zb-ex-alloc-hdr{font-size:.7rem}
  .zb-ex-score-row{flex-direction:column;text-align:center}
}


/* ---- FAQ SECTION ---- */
.zb-faq-section{max-width:1200px;margin:40px auto 0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--zb-char,#1D1D1F);-webkit-font-smoothing:antialiased}

/* Section Header */
.zb-faq-hdr{background:linear-gradient(135deg,#00183F 0%,#002868 55%,#003d8c 100%);border-radius:18px;padding:32px 28px;text-align:center;margin-bottom:28px;position:relative;overflow:hidden}
.zb-faq-hdr::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 70% 90%,rgba(191,10,48,.12) 0%,transparent 55%),radial-gradient(ellipse at 20% 15%,rgba(0,135,90,.09) 0%,transparent 55%);pointer-events:none}
.zb-faq-hdr::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.018) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.018) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
.zb-faq-hdr h2{font-family:'Montserrat','Inter',sans-serif;font-size:clamp(1.15rem,2.8vw,1.65rem);font-weight:800;color:#fff;margin:0 0 10px;position:relative;z-index:1}
.zb-faq-hdr p{font-size:.84rem;color:rgba(255,255,255,.65);max-width:750px;margin:0 auto;line-height:1.65;position:relative;z-index:1}

/* Search + Filters */
.zb-faq-controls{background:var(--zb-white,#fff);border:1px solid var(--zb-border,#E0E4E8);border-radius:14px;padding:18px 20px;margin-bottom:22px;box-shadow:0 1px 4px rgba(0,40,104,.06)}
.zb-faq-search-row{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-bottom:14px}
.zb-faq-search{flex:1;min-width:220px;padding:11px 14px 11px 38px;border:1.5px solid var(--zb-border,#E0E4E8);border-radius:10px;font:500 .84rem Inter,sans-serif;background:var(--zb-bg,#F7F9FC) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%235F6368' viewBox='0 0 24 24'%3E%3Cpath d='M15.5 14h-.79l-.28-.27A6.471 6.471 0 0 0 16 9.5 6.5 6.5 0 1 0 9.5 16c1.61 0 3.09-.59 4.23-1.57l.27.28v.79l5 4.99L20.49 19l-4.99-5zm-6 0C7.01 14 5 11.99 5 9.5S7.01 5 9.5 5 14 7.01 14 9.5 11.99 14 9.5 14z'/%3E%3C/svg%3E") 12px center no-repeat;color:var(--zb-char,#1D1D1F);outline:none;transition:.2s}
.zb-faq-search:focus{border-color:var(--zb-blue,#002868);box-shadow:0 0 0 3px rgba(0,40,104,.1);background-color:#fff}
.zb-faq-count{font-size:.74rem;font-weight:700;color:var(--zb-gray,#5F6368);white-space:nowrap}
.zb-faq-cats{display:flex;gap:6px;flex-wrap:wrap}
.zb-faq-cat{border:1.5px solid var(--zb-border,#E0E4E8);background:var(--zb-white,#fff);border-radius:8px;padding:7px 13px;font:700 .66rem 'Montserrat','Inter',sans-serif;color:var(--zb-gray,#5F6368);cursor:pointer;transition:.2s;text-transform:uppercase;letter-spacing:.04em;white-space:nowrap}
.zb-faq-cat:hover,.zb-faq-cat.active{background:var(--zb-blue,#002868);color:#fff;border-color:var(--zb-blue,#002868)}

/* Accordion Container */
.zb-faq-list{display:flex;flex-direction:column;gap:10px}

/* Single FAQ Item */
.zb-faq-item{background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:14px;overflow:hidden;box-shadow:0 1px 4px rgba(0,40,104,.05);transition:box-shadow .2s,border-color .2s}
.zb-faq-item:hover{box-shadow:0 3px 12px rgba(0,40,104,.08)}
.zb-faq-item.open{border-color:var(--zb-blue,#002868)}

/* Question Row */
.zb-faq-q{display:flex;align-items:center;gap:12px;padding:16px 20px;cursor:pointer;-webkit-user-select:none;user-select:none;transition:background .15s}
.zb-faq-q:hover{background:var(--zb-bg,#F7F9FC)}
.zb-faq-num{width:30px;height:30px;border-radius:50%;background:linear-gradient(135deg,#002868,#003d8c);color:#fff;font-family:'Montserrat','Inter',sans-serif;font-size:.7rem;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.zb-faq-item.open .zb-faq-num{background:linear-gradient(135deg,#BF0A30,#9B0826)}
.zb-faq-q-text{flex:1;font-family:'Montserrat','Inter',sans-serif;font-size:.84rem;font-weight:700;color:var(--zb-char,#1D1D1F);line-height:1.45}
.zb-faq-q-badge{font-size:.54rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;padding:3px 8px;border-radius:8px;color:#fff;white-space:nowrap;flex-shrink:0}
.zb-faq-q-badge.basics{background:#002868}
.zb-faq-q-badge.howto{background:#00875A}
.zb-faq-q-badge.variable{background:#7C3AED}
.zb-faq-q-badge.debt{background:#BF0A30}
.zb-faq-q-badge.savings{background:#0891B2}
.zb-faq-q-badge.tax{background:#D97706}
.zb-faq-q-badge.tool{background:#5F6368}
.zb-faq-q-badge.mistakes{background:#9B0826}
.zb-faq-q-badge.advanced{background:#4338CA}
.zb-faq-arrow{width:22px;height:22px;flex-shrink:0;transition:transform .25s;color:var(--zb-gray,#5F6368)}
.zb-faq-item.open .zb-faq-arrow{transform:rotate(180deg);color:var(--zb-blue,#002868)}

/* Answer */
.zb-faq-a{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.4,0,.2,1),padding .25s}
.zb-faq-item.open .zb-faq-a{max-height:2000px;padding:0 20px 20px 62px}
.zb-faq-a p{font-size:.82rem;color:var(--zb-gray,#5F6368);line-height:1.75;margin:0 0 12px}
.zb-faq-a p:last-child{margin-bottom:0}
.zb-faq-a strong{color:var(--zb-char,#1D1D1F)}
.zb-faq-a ul{margin:8px 0 12px 18px;padding:0}
.zb-faq-a ul li{font-size:.8rem;color:var(--zb-gray,#5F6368);line-height:1.7;margin-bottom:4px}
.zb-faq-a ul li strong{color:var(--zb-char,#1D1D1F)}

/* Highlight Box inside answer */
.zb-faq-tip{background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8);border-radius:10px;padding:12px 14px;margin-top:10px;font-size:.78rem;color:var(--zb-gray,#5F6368);line-height:1.65;display:flex;gap:8px;align-items:flex-start}
.zb-faq-tip.green{background:#f0fbf6;border-color:rgba(0,135,90,.2);color:#065f46}
.zb-faq-tip.amber{background:#fffbeb;border-color:rgba(217,119,6,.25);color:#92400e}
.zb-faq-tip.blue{background:#eff6ff;border-color:rgba(0,40,104,.18);color:#1e40af}
.zb-faq-tip.red{background:#fff5f7;border-color:rgba(191,10,48,.2);color:#991b1b}

/* Expand/Collapse All */
.zb-faq-toolbar{display:flex;justify-content:flex-end;gap:8px;margin-bottom:14px}
.zb-faq-tool-btn{border:1.5px solid var(--zb-border,#E0E4E8);background:var(--zb-white,#fff);border-radius:8px;padding:7px 14px;font:700 .68rem 'Montserrat','Inter',sans-serif;color:var(--zb-gray,#5F6368);cursor:pointer;transition:.2s}
.zb-faq-tool-btn:hover{background:var(--zb-bg,#F7F9FC);border-color:var(--zb-blue,#002868);color:var(--zb-blue,#002868)}

/* RESPONSIVE */
@media(max-width:768px){
  .zb-faq-hdr{padding:24px 18px}
  .zb-faq-controls{padding:14px 16px}
  .zb-faq-search-row{flex-direction:column;align-items:stretch}
  .zb-faq-cats{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;padding-bottom:4px}
  .zb-faq-cat{flex-shrink:0}
  .zb-faq-q{padding:14px 16px;gap:10px}
  .zb-faq-item.open .zb-faq-a{padding:0 16px 16px 52px}
  .zb-faq-q-badge{display:none}
}
@media(max-width:480px){
  .zb-faq-section{margin-top:28px}
  .zb-faq-hdr{padding:20px 14px;border-radius:14px}
  .zb-faq-q{padding:12px 14px;gap:8px}
  .zb-faq-num{width:26px;height:26px;font-size:.62rem}
  .zb-faq-q-text{font-size:.8rem}
  .zb-faq-item.open .zb-faq-a{padding:0 14px 14px 48px}
}

/* ---- RELATED CALCULATORS SECTION ---- */
.zb-rel-section{max-width:1200px;margin:40px auto 0;font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--zb-char,#1D1D1F);-webkit-font-smoothing:antialiased}

/* Header */
.zb-rel-hdr{background:linear-gradient(135deg,#00183F 0%,#002868 55%,#003d8c 100%);border-radius:18px;padding:32px 28px;text-align:center;margin-bottom:28px;position:relative;overflow:hidden}
.zb-rel-hdr::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 75% 80%,rgba(191,10,48,.10) 0%,transparent 50%),radial-gradient(ellipse at 15% 20%,rgba(0,135,90,.08) 0%,transparent 50%);pointer-events:none}
.zb-rel-hdr::after{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.015) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.015) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
.zb-rel-hdr h2{font-family:'Montserrat','Inter',sans-serif;font-size:clamp(1.15rem,2.8vw,1.65rem);font-weight:800;color:#fff;margin:0 0 10px;position:relative;z-index:1}
.zb-rel-hdr p{font-size:.84rem;color:rgba(255,255,255,.65);max-width:720px;margin:0 auto;line-height:1.6;position:relative;z-index:1}

/* Category Labels */
.zb-rel-cat-label{font-family:'Montserrat','Inter',sans-serif;font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--zb-gray,#5F6368);margin:28px 0 14px;padding-left:4px;display:flex;align-items:center;gap:8px}
.zb-rel-cat-label:first-of-type{margin-top:0}
.zb-rel-cat-label .rc-line{flex:1;height:1px;background:var(--zb-border,#E0E4E8)}
.zb-rel-cat-label .rc-count{background:var(--zb-bg,#F7F9FC);border:1px solid var(--zb-border,#E0E4E8);border-radius:6px;padding:2px 8px;font-size:.58rem;color:var(--zb-gray,#5F6368)}

/* Card Grid */
.zb-rel-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}

/* Single Card */
.zb-rel-card{background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:14px;overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;box-shadow:0 1px 4px rgba(0,40,104,.05);transition:all .25s cubic-bezier(.4,0,.2,1);position:relative}
.zb-rel-card:hover{border-color:var(--zb-blue,#002868);box-shadow:0 6px 24px rgba(0,40,104,.12);transform:translateY(-3px)}

/* Card Top Bar - color accent */
.zb-rel-card-bar{height:4px;width:100%}
.zb-rel-card-bar.navy{background:linear-gradient(90deg,#002868,#003d8c)}
.zb-rel-card-bar.red{background:linear-gradient(90deg,#BF0A30,#9B0826)}
.zb-rel-card-bar.green{background:linear-gradient(90deg,#00875A,#006644)}
.zb-rel-card-bar.purple{background:linear-gradient(90deg,#7C3AED,#6D28D9)}
.zb-rel-card-bar.teal{background:linear-gradient(90deg,#0891B2,#0E7490)}
.zb-rel-card-bar.amber{background:linear-gradient(90deg,#D97706,#B45309)}
.zb-rel-card-bar.blue{background:linear-gradient(90deg,#2563EB,#1D4ED8)}
.zb-rel-card-bar.rose{background:linear-gradient(90deg,#E11D48,#BE123C)}

/* Card Body */
.zb-rel-card-body{padding:16px 18px;flex:1;display:flex;flex-direction:column}
.zb-rel-card-icon{font-size:1.6rem;margin-bottom:10px}
.zb-rel-card-title{font-family:'Montserrat','Inter',sans-serif;font-size:.82rem;font-weight:800;color:var(--zb-char,#1D1D1F);line-height:1.35;margin-bottom:8px}
.zb-rel-card-desc{font-size:.74rem;color:var(--zb-gray,#5F6368);line-height:1.6;flex:1;margin-bottom:12px}
.zb-rel-card-why{font-size:.68rem;color:var(--zb-blue,#002868);font-weight:700;line-height:1.5;padding:8px 10px;background:rgba(0,40,104,.04);border-radius:8px;margin-bottom:12px}

/* Card Footer */
.zb-rel-card-foot{display:flex;align-items:center;justify-content:space-between;padding:10px 18px;border-top:1px solid var(--zb-border,#E0E4E8);background:var(--zb-bg,#F7F9FC)}
.zb-rel-card-cat{font-size:.56rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:3px 8px;border-radius:6px;color:#fff}
.zb-rel-card-cat.personal{background:#002868}
.zb-rel-card-cat.credit{background:#BF0A30}
.zb-rel-card-cat.loans{background:#7C3AED}
.zb-rel-card-cat.taxes{background:#D97706}
.zb-rel-card-cat.insurance{background:#0891B2}
.zb-rel-card-cat.investing{background:#00875A}
.zb-rel-card-cat.business{background:#4338CA}
.zb-rel-card-cat.mortgages{background:#E11D48}
.zb-rel-card-arrow{width:24px;height:24px;background:var(--zb-white,#fff);border:1.5px solid var(--zb-border,#E0E4E8);border-radius:50%;display:flex;align-items:center;justify-content:center;transition:.2s;flex-shrink:0}
.zb-rel-card:hover .zb-rel-card-arrow{background:var(--zb-blue,#002868);border-color:var(--zb-blue,#002868)}
.zb-rel-card-arrow svg{width:12px;height:12px;color:var(--zb-gray,#5F6368);transition:.2s}
.zb-rel-card:hover .zb-rel-card-arrow svg{color:#fff}

/* Disclaimer + Trust */
.zb-rel-disclaimer{background:#fffbeb;border:1.5px solid rgba(217,119,6,.25);border-radius:14px;padding:18px 22px;margin-top:28px;display:flex;gap:12px;align-items:flex-start}
.zb-rel-disclaimer-icon{font-size:1.2rem;flex-shrink:0;line-height:1}
.zb-rel-disclaimer-text{font-size:.78rem;color:#92400e;line-height:1.65}
.zb-rel-disclaimer-text strong{color:#78350f}

.zb-rel-trust{background:linear-gradient(135deg,#0a0010,#001030,#002040);border-radius:14px;padding:20px 24px;margin-top:16px;text-align:center}
.zb-rel-trust-title{font-family:'Montserrat','Inter',sans-serif;font-size:.6rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:12px}
.zb-rel-trust-chips{display:flex;justify-content:center;flex-wrap:wrap;gap:8px}
.zb-rel-trust-chip{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:6px 12px;font-size:.68rem;font-weight:600;color:rgba(255,255,255,.65)}
.zb-rel-trust-chip .tc-dot{width:6px;height:6px;border-radius:50%;background:#00875A}

/* RESPONSIVE */
@media(max-width:1024px){
  .zb-rel-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:768px){
  .zb-rel-section{margin-top:28px}
  .zb-rel-hdr{padding:24px 18px}
  .zb-rel-grid{grid-template-columns:repeat(2,1fr);gap:10px}
  .zb-rel-card-body{padding:14px 15px}
  .zb-rel-card-why{display:none}
  .zb-rel-disclaimer{flex-direction:column;padding:16px 18px}
}
@media(max-width:480px){
  .zb-rel-grid{grid-template-columns:1fr}
  .zb-rel-hdr{padding:20px 14px;border-radius:14px}
  .zb-rel-cat-label{font-size:.62rem}
}
/* ============================================================
   DISCLAIMER & TRUST SECTIONS
   ============================================================ */

/* --- Disclaimer Block --- */
.disclaimer-block {
  background: var(--zb-white, #fff);
  border: 1px solid var(--zb-border, #E0E4E8);
  border-left: 4px solid var(--zb-char, #1D1D1F);
  border-radius: 12px;
  padding: 28px 32px;
  margin-top: 40px;    /* <--- This adds the exact spacing you need above it */
  margin-bottom: 40px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.03);
}

.disclaimer-block h2 {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--zb-char, #1D1D1F);
  margin: 0 0 12px 0;
}

.disclaimer-block p {
  font-size: 0.85rem;
  color: var(--zb-gray, #5F6368);
  line-height: 1.65;
  margin: 0 0 14px 0;
}

.disclaimer-block p:last-child {
  margin-bottom: 0;
}

.disclaimer-block a {
  color: var(--zb-blue, #002868);
  font-weight: 600;
  text-decoration: underline;
  transition: opacity 0.2s;
}

.disclaimer-block a:hover {
  opacity: 0.8;
}

/* --- Trust & Transparency Block --- */
.trust-block {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  background: var(--zb-white, #fff);
  border: 1px solid var(--zb-border, #E0E4E8);
  border-radius: 18px;
  padding: 32px;
  box-shadow: var(--shadow-sm, 0 4px 20px rgba(0,40,104,.08));
  margin-bottom: 40px;
}

.trust-avatar {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, #00183F 0%, var(--zb-blue, #002868) 100%);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 22px;
  font-weight: 800;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0, 40, 104, 0.2);
}

.trust-content {
  flex: 1;
}

.trust-title {
  font-family: 'Montserrat', 'Inter', sans-serif;
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--zb-blue, #002868);
  margin-bottom: 12px;
}

.trust-content p {
  font-size: 0.9rem;
  line-height: 1.7;
  color: var(--zb-gray, #5F6368);
  margin: 0 0 16px 0;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--zb-bg, #F7F9FC);
  border: 1px solid var(--zb-border, #E0E4E8);
  padding: 8px 14px;
  border-radius: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--zb-blue, #002868);
  transition: transform 0.2s, box-shadow 0.2s;
}

.trust-badge:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(0,40,104,.1);
  background: #fff;
}

.tb-check {
  color: var(--zb-blue, #002868);
  font-weight: 800;
}

/* --- Mobile Responsiveness --- */
@media (max-width: 768px) {
  .trust-block {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 28px 20px;
  }
  
  .trust-badges {
    justify-content: center;
  }
  
  .disclaimer-block {
    padding: 24px 20px;
  }
}