:root {
    --brand-red: #DE1F26;
    --brand-yellow: #FECD07;
    --brand-dark: #1C1C1C;
    --brand-blue: #93A8AC;
    --ink: #0f172a;
    --muted: rgba(28,28,28,.66);
    --card: #ffffff;
    --ring: rgba(28,28,28,.10);
    --shadow: 0 18px 55px rgba(0,0,0,.10);
    --radius: 18px;
    --hp-hero-bg: url("../images/pension/hero.jpg");
    --ok: #1e8d67;
    --bad: #e23b3b;
    --teal: #0b6d96;
    --bg: #f7fafb;
    /* Layout */
    --container: 1180px;
    --bg: #f7fafb;
    --shadow-sm: 0 10px 30px rgba(28,28,28,.08);
    --radius-sm: 14px;
    /* CTA + Accents (palette aligned) */
    --accent: var(--brand-red);
    --accent-hover: #b9131a;
    --accent-soft: rgba(222,31,38,.10);
    --warn: var(--brand-yellow);
}

body {
    font-family: "Articulat CF", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
    color: var(--brand-dark);
    background: var(--bg);
    text-rendering: optimizeLegibility;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

:focus-visible {
    outline: 3px solid rgba(222,31,38,.22);
    outline-offset: 2px;
    border-radius: 10px;
}

@media (prefers-reduced-motion: reduce) {
    * {
        animation: none !important;
        transition: none !important;
        scroll-behavior: auto !important;
    }
}

/* ---------- HERO WRAP ---------- */
.hp-hero {
    position: relative;
    overflow: hidden;
    min-height: clamp(620px, 82vh, 860px);
    display: flex;
    align-items: stretch;
    padding: clamp(1.5rem, 3vw, 2.75rem) 0;
    background:
    /* soft left fade */
    linear-gradient(90deg, rgba(255,255,255,1) 0%, rgba(255,255,255,.98) 46%, rgba(255,255,255,.65) 68%, rgba(255,255,255,0) 100%),
    /* image on right */
    var(--hp-hero-bg) center right / cover no-repeat;
}

    /* subtle frosted haze on right side (like screenshot) */
    .hp-hero::after {
        content: "";
        position: absolute;
        inset: 0;
        pointer-events: none;
        background: radial-gradient(900px 520px at 74% 36%, rgba(255,255,255,.72) 0%, rgba(255,255,255,.38) 45%, rgba(255,255,255,0) 70%), radial-gradient(850px 520px at 86% 64%, rgba(255,255,255,.62) 0%, rgba(255,255,255,0) 62%);
    }

    .hp-hero .container {
        position: relative;
        z-index: 2;
        max-width: 1180px;
    }

/* ---------- TOP PILL ---------- */
.hp-pill {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    padding: .45rem .85rem;
    border-radius: 999px;
    border: 1px solid rgba(147,168,172,.55);
    background: rgba(147,168,172,.18);
    color: #1f6f60;
    font-weight: 700;
    font-size: .9rem;
    backdrop-filter: blur(8px);
}

    .hp-pill i {
        color: #1f6f60;
    }

/* ---------- TITLE ---------- */
.hp-h1 {
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1.02;
    font-size: clamp(2.2rem, 4.6vw, 3.9rem);
    margin: .9rem 0 1rem;
}

    .hp-h1 .accent {
        color: #0b6d96; /* teal-ish like screenshot */
        position: relative;
        display: inline-block;
    }
        /* underline stroke under “Waiting in” */
        .hp-h1 .accent::after {
            content: "";
            position: absolute;
            left: 6%;
            right: 2%;
            bottom: -0.12em;
            height: 12px;
            border-bottom: 4px solid rgba(11,109,150,.35);
            border-radius: 999px;
            transform: rotate(-1.2deg);
        }

.hp-lead {
    color: rgba(28,28,28,.66);
    font-size: clamp(1rem, 1.2vw, 1.15rem);
    line-height: 1.65;
    max-width: 44ch;
}

    .hp-lead b {
        color: var(--brand-dark);
    }

/* ---------- CHECKLIST (left) ---------- */
.hp-checklist {
    display: grid;
    grid-template-columns: repeat(2, minmax(0,1fr));
    gap: .65rem 1.3rem;
    margin-top: 1.05rem;
    max-width: 520px;
}

.hp-check {
    display: flex;
    align-items: flex-start;
    gap: .6rem;
    font-weight: 700;
    font-size: .95rem;
}

    .hp-check small {
        font-weight: 500;
        color: rgba(28,28,28,.72);
    }

    .hp-check .ic {
        width: 22px;
        height: 22px;
        border-radius: 50%;
        display: inline-flex;
        align-items: center;
        justify-content: center;
        color: #1e8d67;
        flex: 0 0 auto;
        margin-top: .05rem;
        border: 1px solid rgba(30,141,103,.25);
        background: rgba(30,141,103,.10);
    }

/* ---------- QUICK CHECK BOX ---------- */
.hp-quick {
    margin-top: 1.25rem;
    border-radius: 14px;
    background: rgba(255,255,255,.9);
    border: 1px solid rgba(28,28,28,.10);
    box-shadow: 0 10px 36px rgba(28,28,28,.08);
    padding: 1rem 1.1rem;
    max-width: 620px;
}

    .hp-quick .label {
        color: rgba(28,28,28,.6);
        font-size: .92rem;
        margin-bottom: .65rem;
    }

.hp-radio {
    display: flex;
    align-items: center;
    gap: .8rem;
    padding: .38rem 0;
}

    .hp-radio input {
        width: 18px;
        height: 18px;
        accent-color: #1e8d67;
    }

    .hp-radio span {
        font-weight: 650;
        color: rgba(28,28,28,.86);
    }

    .hp-radio .green {
        color: #1e8d67;
        font-weight: 750;
    }

/* ---------- CTA BUTTONS ---------- */
.hp-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-top: 1.15rem;
    align-items: center;
}

.btn-primary-deep {
    background: #0b6d96;
    border: 0;
    color: #fff;
    font-weight: 800;
    border-radius: 10px;
    padding: .9rem 1.25rem;
    box-shadow: 0 14px 32px rgba(11,109,150,.22);
}

    .btn-primary-deep:hover {
        background: #095f83;
        color: #fff;
    }

.btn-ghost {
    background: rgba(255,255,255,.85);
    border: 1px solid rgba(28,28,28,.16);
    color: var(--brand-dark);
    font-weight: 800;
    border-radius: 10px;
    padding: .9rem 1.25rem;
}

    .btn-ghost:hover {
        background: rgba(28,28,28,.04);
        color: var(--brand-dark);
    }

/* ---------- TRUST ICONS ROW ---------- */
.hp-trust {
    margin-top: 1.15rem;
    display: flex;
    flex-wrap: wrap;
    gap: 1.6rem;
    color: rgba(28,28,28,.62);
    font-weight: 650;
    font-size: .92rem;
}

    .hp-trust .item {
        display: flex;
        align-items: center;
        gap: .55rem;
    }

    .hp-trust i {
        color: #2c6fb0;
        font-size: 1.05rem;
    }

/* ---------- RIGHT ESTIMATE CARD ---------- */
.hp-estimate {
    border-radius: var(--radius);
    background: rgba(255,255,255,.92);
    border: 1px solid rgba(255,255,255,.65);
    box-shadow: 0 22px 70px rgba(28,28,28,.18);
    overflow: hidden;
    max-width: 640px;
    margin-left: auto;
    position: relative;
}

    .hp-estimate::before {
        content: "";
        position: absolute;
        inset: 0;
        background: radial-gradient(720px 380px at 72% 28%, rgba(255,255,255,.85) 0%, rgba(255,255,255,0) 62%);
        pointer-events: none;
    }

    .hp-estimate .inner {
        position: relative;
        padding: 1.25rem 1.35rem 1.2rem;
    }

    .hp-estimate .kicker {
        color: rgba(28,28,28,.58);
        font-weight: 650;
        font-size: .92rem;
        margin-bottom: .25rem;
    }

    .hp-estimate .amount {
        font-size: clamp(2.4rem, 3.5vw, 3.4rem);
        font-weight: 900;
        color: #0b6d96;
        letter-spacing: -0.02em;
        margin: .05rem 0 .35rem;
    }

    .hp-estimate .sub {
        color: rgba(28,28,28,.62);
        font-weight: 600;
        margin-bottom: .9rem;
    }

    .hp-estimate .list {
        display: grid;
        gap: .55rem;
        padding: 0;
        margin: 0 0 1.1rem;
        list-style: none;
    }

        .hp-estimate .list li {
            display: flex;
            gap: .65rem;
            align-items: flex-start;
            color: rgba(28,28,28,.78);
            font-weight: 650;
            font-size: .95rem;
        }

        .hp-estimate .list .ok {
            width: 22px;
            height: 22px;
            border-radius: 50%;
            display: inline-flex;
            align-items: center;
            justify-content: center;
            color: #1e8d67;
            border: 1px solid rgba(30,141,103,.25);
            background: rgba(30,141,103,.10);
            flex: 0 0 auto;
            margin-top: .05rem;
        }

    .hp-estimate .btn-est {
        width: 100%;
        border-radius: 10px;
        font-weight: 900;
        padding: .95rem 1rem;
        background: #0b6d96;
        border: 0;
        color: #fff;
    }

        .hp-estimate .btn-est:hover {
            background: #095f83;
            color: #fff;
        }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 991.98px) {
    .hp-hero {
        background: linear-gradient(180deg, rgba(255,255,255,1) 0%, rgba(255,255,255,.98) 52%, rgba(255,255,255,.90) 100%), var(--hp-hero-bg) center / cover no-repeat;
    }

    .hp-checklist {
        grid-template-columns: 1fr;
        max-width: 560px;
    }

    .hp-estimate {
        margin: 1rem 0 0;
        max-width: 720px;
    }
}

.hp-wrap {
    padding: clamp(2.5rem, 5vw, 4.2rem) 0;
}

.hp-container {
    max-width: 1160px;
}

/* top pill */
.hp-pill {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    padding: .4rem .8rem;
    border-radius: 999px;
    border: 1px solid rgba(147,168,172,.55);
    background: rgba(147,168,172,.16);
    color: rgba(28,28,28,.82);
    font-weight: 700;
    font-size: .9rem;
    backdrop-filter: blur(8px);
}

    .hp-pill i {
        color: #1f6f60;
    }

.hp-title {
    font-weight: 900;
    letter-spacing: -0.02em;
    line-height: 1.1;
    font-size: clamp(1.8rem, 3.2vw, 2.55rem);
    margin: .9rem 0 .55rem;
}

.hp-sub {
    color: var(--muted);
    max-width: 72ch;
    margin: 0 auto;
    line-height: 1.6;
}

/* cards */
.hp-card {
    border-radius: var(--radius);
    border: 1px solid var(--ring);
    background: rgba(255,255,255,.92);
    box-shadow: 0 14px 50px rgba(28,28,28,.08);
    overflow: hidden;
}

    .hp-card.mint {
        background: linear-gradient(180deg, rgba(147,168,172,.14) 0%, rgba(147,168,172,.08) 100%);
        border-color: rgba(147,168,172,.35);
    }

.hp-card-pad {
    padding: 1.35rem 1.35rem;
}

.hp-card-h {
    display: flex;
    align-items: center;
    gap: .85rem;
    font-weight: 900;
    margin-bottom: .9rem;
}

.hp-badge-ic {
    width: 44px;
    height: 44px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(147,168,172,.35);
    background: rgba(147,168,172,.18);
    color: #1f6f60;
    flex: 0 0 auto;
}

.hp-card p {
    color: rgba(28,28,28,.70);
    line-height: 1.7;
    margin-bottom: 1rem;
}

    .hp-card p b {
        color: rgba(28,28,28,.92);
    }

/* checklist rows */
.hp-rowcheck {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    padding: .55rem 0;
}

    .hp-rowcheck + .hp-rowcheck {
        border-top: 1px dashed rgba(28,28,28,.10);
    }

.hp-ok {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #1e8d67;
    border: 1px solid rgba(30,141,103,.24);
    background: rgba(30,141,103,.10);
    flex: 0 0 auto;
    margin-top: .15rem;
}

.hp-rowcheck .t {
    font-weight: 850;
    margin-bottom: .1rem;
}

.hp-rowcheck .d {
    font-size: .92rem;
    color: rgba(28,28,28,.62);
    line-height: 1.45;
}

/* journey icons */
.hp-journey-icons {
    display: flex;
    align-items: center;
    gap: .75rem;
    margin: .2rem 0 1rem;
    flex-wrap: wrap;
}

.hp-flag {
    width: 38px;
    height: 38px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(147,168,172,.14);
    border: 1px solid rgba(147,168,172,.28);
    font-size: 1.05rem;
}

.hp-arrow {
    color: rgba(28,28,28,.35);
    font-size: 1.1rem;
}

/* steps */
.hp-steps {
    display: grid;
    gap: .5rem;
    margin-bottom: 1.05rem;
}

.hp-step {
    color: rgba(28,28,28,.68);
    line-height: 1.55;
    font-size: .95rem;
}

    .hp-step b {
        color: rgba(28,28,28,.92);
    }

/* did you know callout */
.hp-callout {
    border-radius: 12px;
    border: 1px solid rgba(254,205,7,.38);
    background: rgba(254,205,7,.14);
    padding: .9rem 1rem;
    color: rgba(28,28,28,.74);
    font-size: .93rem;
    line-height: 1.55;
}

    .hp-callout b {
        color: #b84a00;
    }

/* stat cards */
.hp-stat {
    border-radius: 14px;
    background: rgba(255,255,255,.92);
    border: 1px solid rgba(28,28,28,.08);
    box-shadow: 0 10px 30px rgba(28,28,28,.06);
    padding: 1.15rem 1rem;
    text-align: center;
    height: 100%;
}

    .hp-stat .v {
        font-weight: 950;
        font-size: clamp(1.55rem, 2.2vw, 2rem);
        letter-spacing: -0.02em;
        margin-bottom: .35rem;
    }

    .hp-stat .d {
        color: rgba(28,28,28,.62);
        font-size: .9rem;
        line-height: 1.45;
        margin: 0;
    }

/* CTA */
.hp-cta {
    margin-top: 1.2rem;
    display: flex;
    justify-content: center;
}

.btn-cta {
    background: #0b6d96;
    border: 0;
    color: #fff;
    font-weight: 900;
    border-radius: 12px;
    padding: .95rem 1.4rem;
    min-width: min(360px, 100%);
    box-shadow: 0 16px 38px rgba(11,109,150,.22);
}

    .btn-cta:hover {
        background: #095f83;
        color: #fff;
    }

@media (max-width: 991.98px) {
    .hp-card-pad {
        padding: 1.1rem;
    }
}

.elg-wrap {
    padding: clamp(2.75rem, 5vw, 4.5rem) 0;
}

.elg-container {
    max-width: 1180px;
}

/* Header */
.elg-head {
    margin-bottom: 1.6rem;
}

.elg-pill {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    border: 1px solid rgba(147,168,172,.55);
    background: rgba(147,168,172,.14);
    color: rgba(28,28,28,.82);
    font-weight: 800;
    font-size: .9rem;
}

.elg-title {
    margin: .85rem 0 .35rem;
    font-weight: 950;
    letter-spacing: -0.02em;
    font-size: clamp(1.9rem, 3.1vw, 2.65rem);
}

.elg-sub {
    margin: 0 auto;
    max-width: 70ch;
    color: var(--muted);
    line-height: 1.6;
}

/* Mini cards */
.elg-mini-row {
    margin-top: 1.35rem;
}

.elg-mini {
    background: rgba(255,255,255,.92);
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 14px;
    box-shadow: 0 10px 30px rgba(28,28,28,.06);
    padding: 1.1rem 1.1rem;
    height: 100%;
}

.elg-mini-top {
    display: flex;
    gap: .85rem;
    align-items: flex-start;
}

.elg-mini-ic {
    width: 44px;
    height: 44px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(11,109,150,.10);
    border: 1px solid rgba(11,109,150,.18);
    color: var(--teal);
    flex: 0 0 auto;
}

.elg-mini-ttl h6 {
    font-weight: 900;
    margin: 0;
}

.elg-mini-desc {
    color: rgba(28,28,28,.60);
    font-size: .9rem;
    margin-top: .25rem;
    line-height: 1.45;
}

.elg-qmark {
    color: rgba(28,28,28,.45);
    font-size: .95rem;
}

.elg-mini-chip {
    margin-left: auto;
    border-radius: 999px;
    padding: .25rem .6rem;
    font-weight: 900;
    font-size: .8rem;
    border: 1px solid rgba(28,28,28,.12);
    background: rgba(255,255,255,.85);
    color: rgba(28,28,28,.75);
    display: inline-flex;
    align-items: center;
    gap: .3rem;
}

    .elg-mini-chip.yes {
        color: #0f6e52;
        background: rgba(30,141,103,.12);
        border-color: rgba(30,141,103,.22);
    }

    .elg-mini-chip.no {
        color: #b91c1c;
        background: rgba(226,59,59,.12);
        border-color: rgba(226,59,59,.22);
    }

.elg-mini-note {
    margin-top: .85rem;
    padding-top: .75rem;
    border-top: 1px dashed rgba(28,28,28,.12);
    color: rgba(28,28,28,.65);
    font-size: .9rem;
    line-height: 1.45;
}

    .elg-mini-note i {
        color: var(--ok);
    }

/* state borders like screenshots */
.elg-mini.is-yes {
    border: 2px solid rgba(30,141,103,.60);
    background: rgba(30,141,103,.07);
}

.elg-mini.is-no {
    border: 2px solid rgba(226,59,59,.55);
    background: rgba(226,59,59,.06);
}

    .elg-mini.is-no .elg-mini-ic {
        color: var(--bad);
        background: rgba(226,59,59,.10);
        border-color: rgba(226,59,59,.20);
    }

.elg-mini.is-yes .elg-mini-ic {
    color: var(--ok);
    background: rgba(30,141,103,.10);
    border-color: rgba(30,141,103,.20);
}

/* Quiz card */
.elg-quiz-wrap {
    margin-top: 1.55rem;
    display: grid;
    place-items: center;
    gap: .85rem;
}

.elg-quiz {
    width: min(780px, 100%);
    border-radius: var(--radius);
    background: rgba(255,255,255,.95);
    border: 1px solid rgba(28,28,28,.10);
    box-shadow: 0 18px 50px rgba(28,28,28,.12);
    overflow: hidden;
}

.elg-quiz-progress {
    height: 6px;
    background: rgba(147,168,172,.18);
}

    .elg-quiz-progress .bar {
        display: block;
        height: 100%;
        width: 0%;
        background: var(--teal);
    }

.elg-quiz-body {
    padding: 2.1rem 1.6rem 2rem;
}

/* step pills row */
.elg-steps {
    display: flex;
    justify-content: center;
    gap: .65rem;
    margin-bottom: 1.2rem;
}

.elg-step {
    width: 34px;
    height: 34px;
    border-radius: 999px;
    border: 2px solid rgba(147,168,172,.45);
    color: rgba(28,28,28,.70);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 950;
    font-size: .9rem;
    background: #fff;
}

    .elg-step.is-active {
        background: var(--teal);
        border-color: var(--teal);
        color: #fff;
        box-shadow: 0 10px 22px rgba(11,109,150,.22);
    }

    .elg-step.is-done {
        background: rgba(30,141,103,.14);
        border-color: rgba(30,141,103,.60);
        color: var(--ok);
    }

/* big icon circle */
.elg-quiz-ic {
    width: 74px;
    height: 74px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.1rem;
    background: rgba(11,109,150,.10);
    border: 1px solid rgba(11,109,150,.18);
    color: var(--teal);
    font-size: 1.9rem;
}

/* question */
.elg-q {
    font-weight: 950;
    letter-spacing: -0.01em;
    margin: 0 0 .35rem;
    font-size: clamp(1.3rem, 2vw, 1.8rem);
}

.elg-qsub {
    margin: 0 0 1.2rem;
    color: rgba(28,28,28,.55);
    font-weight: 700;
    font-size: .95rem;
}

/* buttons */
.elg-actions {
    display: flex;
    justify-content: center;
    gap: .9rem;
    flex-wrap: wrap;
}

.elg-btn-yes,
.elg-btn-no {
    border-radius: 10px;
    padding: .85rem 2.4rem;
    font-weight: 950;
    min-width: 160px;
}

.elg-btn-yes {
    background: rgba(30,141,103,.95);
    border: 0;
    color: #fff;
    box-shadow: 0 12px 26px rgba(30,141,103,.20);
}

    .elg-btn-yes:hover {
        background: #187a5b;
        color: #fff;
    }

.elg-btn-no {
    background: rgba(255,255,255,.92);
    border: 1px solid rgba(28,28,28,.18);
    color: rgba(28,28,28,.78);
}

    .elg-btn-no:hover {
        background: rgba(28,28,28,.04);
        color: rgba(28,28,28,.85);
    }

.elg-social {
    color: rgba(28,28,28,.60);
    font-weight: 700;
    font-size: .92rem;
}

/* Misconceptions */
.elg-miscon {
    margin-top: 2.6rem;
}

.elg-mis-title {
    font-weight: 950;
    letter-spacing: -0.01em;
    margin-bottom: 1.2rem;
}

.elg-mis-card {
    background: rgba(255,255,255,.92);
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 14px;
    box-shadow: 0 10px 28px rgba(28,28,28,.05);
    padding: 1.05rem 1.05rem;
    height: 100%;
}

.elg-mis-bad {
    color: #d92d2d;
    font-weight: 900;
    font-size: .92rem;
    text-decoration: line-through;
    text-decoration-thickness: 2px;
    text-decoration-color: rgba(217,45,45,.75);
    margin-bottom: .55rem;
}

.elg-mis-good {
    color: rgba(28,28,28,.70);
    font-weight: 800;
    font-size: .92rem;
}

    .elg-mis-good i {
        color: var(--ok);
    }

@media (max-width: 575.98px) {
    .elg-quiz-body {
        padding: 1.5rem 1.1rem 1.4rem;
    }

    .elg-btn-yes, .elg-btn-no {
        width: 100%;
    }
}

.elg-quiz,
.elg-mini {
    transition: all .25s ease;
}

.elg-quiz-progress .bar {
    transition: width .35s ease;
}

/*calculator.css*/

.calc-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.calc-container {
    max-width: 1180px;
}

.calc-pill {
    display: inline-flex;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #e6f1f7;
    border: 1px solid #b9d7e7;
    font-weight: 800;
    font-size: .85rem;
}

.calc-title {
    font-weight: 900;
    margin: .7rem 0 .3rem;
}

.calc-sub {
    color: #666;
}

.calc-info {
    background: #fff;
    border-radius: 14px;
    padding: 1.1rem 1.3rem;
    max-width: 760px;
    box-shadow: 0 12px 40px rgba(0,0,0,.06);
}

.calc-info-row {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: .85rem;
}

    .calc-info-row .ok {
        color: var(--ok);
        font-weight: 700;
    }

.calc-card {
    background: #fff;
    border-radius: 18px;
    padding: 1.5rem;
    box-shadow: 0 18px 55px rgba(0,0,0,.10);
    height: 100%;
}

    .calc-card.highlight {
        background: linear-gradient(180deg,#f8fcff,#ffffff);
        border: 1px solid #cbe3f0;
    }

.calc-group {
    margin-bottom: 1.6rem;
}

    .calc-group label {
        font-weight: 800;
    }

.calc-value {
    font-weight: 900;
    color: var(--teal);
    margin: .2rem 0;
}

.calc-range {
    display: flex;
    justify-content: space-between;
    font-size: .75rem;
    color: #777;
}

input[type=range] {
    width: 100%;
}

.calc-break {
    background: #f9fbfc;
    border-radius: 12px;
    padding: 1rem;
}

.row-line {
    display: flex;
    justify-content: space-between;
    font-size: .9rem;
    margin: .35rem 0;
}

    .row-line.total {
        font-weight: 900;
    }

.calc-amount {
    text-align: center;
    margin: 1.2rem 0;
}

    .calc-amount .big {
        font-size: 3rem;
        font-weight: 900;
        color: var(--teal);
    }

.calc-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    text-align: center;
}

    .calc-stats div {
        background: #f9fbfc;
        border-radius: 12px;
        padding: .8rem;
    }

    .calc-stats b {
        font-size: 1.2rem;
        display: block;
    }

.calc-note {
    background: #fff3e0;
    border: 1px solid #ffd699;
    border-radius: 10px;
    padding: .7rem;
    font-size: .85rem;
    margin: 1rem 0;
}

.calc-email {
    display: flex;
    gap: .5rem;
    margin-bottom: 1rem;
}

    .calc-email input {
        flex: 1;
        border-radius: 8px;
        border: 1px solid #ccc;
        padding: .5rem .6rem;
    }

.calc-cta {
    width: 100%;
    background: var(--teal);
    color: #fff;
    font-weight: 900;
    padding: .9rem;
    border-radius: 12px;
}

    .calc-cta:hover {
        background: #095f83;
        color: #fff;
    }

.live {
    background: #dff3ea;
    color: var(--ok);
    padding: .25rem .6rem;
    border-radius: 999px;
    font-size: .75rem;
    font-weight: 800;
}

/*faq.css*/

.faq-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.faq-container {
    max-width: 1100px;
}

/* Header */
.faq-head {
    margin-bottom: 2rem;
}

.faq-pill {
    display: inline-flex;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #e6f1f7;
    border: 1px solid #b9d7e7;
    font-weight: 800;
    font-size: .85rem;
}

.faq-title {
    font-weight: 950;
    margin: .8rem 0 .35rem;
}

.faq-sub {
    color: #666;
    max-width: 70ch;
    margin: 0 auto;
}

/* FAQ cards */
.faq-card {
    background: #fff;
    border-radius: 16px;
    padding: 1.3rem 1.3rem;
    box-shadow: 0 14px 40px rgba(0,0,0,.08);
    height: 100%;
    position: relative;
}

.faq-ic {
    width: 40px;
    height: 40px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #eef6fb;
    border: 1px solid #cfe3f1;
    color: var(--teal);
    margin-bottom: .6rem;
}

.faq-card h6 {
    font-weight: 900;
    margin-bottom: .35rem;
}

.faq-card p {
    font-size: .9rem;
    color: #555;
    line-height: 1.55;
}

.faq-tag {
    display: inline-flex;
    gap: .35rem;
    align-items: center;
    margin-top: .6rem;
    font-size: .8rem;
    font-weight: 800;
    color: var(--ok);
    background: #e8f6f1;
    border: 1px solid #c6ebdf;
    padding: .25rem .6rem;
    border-radius: 999px;
}

/* Comparison */
.faq-compare {
    background: linear-gradient(180deg,#f8fcff,#ffffff);
    border-radius: 18px;
    border: 1px solid #cbe3f0;
    padding: 2rem 1.8rem;
    box-shadow: 0 20px 60px rgba(0,0,0,.10);
}

.faq-col h6 {
    font-weight: 900;
    margin-bottom: .7rem;
}

    .faq-col h6.bad {
        color: var(--bad);
    }

    .faq-col h6.good {
        color: var(--ok);
    }

.faq-col ul {
    padding-left: 1.1rem;
    margin: 0;
}

.faq-col li {
    margin: .45rem 0;
    font-size: .9rem;
    color: #555;
}

/* CTA */
.faq-cta {
    background: var(--teal);
    color: #fff;
    font-weight: 900;
    padding: .85rem 1.6rem;
    border-radius: 12px;
}

    .faq-cta:hover {
        background: #095f83;
        color: #fff;
    }

.faq-note {
    margin-top: .6rem;
    font-size: .8rem;
    color: #666;
}

/*journey.css*/

.jr-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.jr-container {
    max-width: 1050px;
}

/* Header */
.jr-head {
    margin-bottom: 2.2rem;
}

.jr-pill {
    display: inline-flex;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #e9f6ef;
    border: 1px solid #c9eadb;
    font-weight: 900;
    font-size: .85rem;
    color: #206f57;
}

.jr-title {
    font-weight: 950;
    margin: .8rem 0 .35rem;
}

.jr-sub {
    color: #666;
    max-width: 70ch;
    margin: 0 auto;
}

/* Timeline layout */
.jr-timeline {
    position: relative;
    padding: 0 0 1.2rem;
}

.jr-row {
    position: relative;
    display: grid;
    grid-template-columns: 1fr 80px 1fr;
    gap: 0;
    align-items: start;
    margin: 0 0 2.1rem;
}

.jr-col {
    min-height: 1px;
}

.jr-left {
    padding-right: 18px;
}

.jr-right {
    padding-left: 18px;
}

.jr-mid {
    display: flex;
    justify-content: center;
    position: relative;
    z-index: 2;
}

/* vertical line */
.jr-line {
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    top: 8px;
    bottom: 22px;
    width: 3px;
    background: linear-gradient(180deg, rgba(11,109,150,.0), rgba(11,109,150,.55), rgba(30,141,103,.55));
    border-radius: 999px;
    opacity: .75;
}

/* Step node */
.jr-node {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: .45rem;
}

.jr-ic {
    width: 52px;
    height: 52px;
    border-radius: 999px;
    background: #0b6d96;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 14px 28px rgba(11,109,150,.22);
    border: 2px solid rgba(255,255,255,.85);
    font-size: 1.25rem;
}

    .jr-ic.plane {
        background: #0b6d96;
    }

.jr-step {
    font-size: .68rem;
    font-weight: 900;
    color: rgba(28,28,28,.75);
    text-align: center;
    letter-spacing: .08em;
}

    .jr-step b {
        display: block;
        font-size: .86rem;
        color: rgba(28,28,28,.85);
        letter-spacing: .02em;
    }

/* Cards */
.jr-card {
    background: #fff;
    border-radius: 14px;
    border: 1px solid var(--ring);
    box-shadow: var(--shadow);
    padding: 1.15rem 1.2rem;
    position: relative;
}

    .jr-card.soft {
        background: linear-gradient(180deg, #f7fbff, #ffffff);
    }

.jr-card-top {
    display: flex;
    justify-content: flex-end;
    margin-bottom: .35rem;
}

.jr-time {
    display: inline-flex;
    align-items: center;
    gap: .45rem;
    font-weight: 900;
    font-size: .78rem;
    color: rgba(28,28,28,.72);
    background: rgba(147,168,172,.14);
    border: 1px solid rgba(147,168,172,.28);
    padding: .22rem .55rem;
    border-radius: 999px;
}

.jr-card h5 {
    font-weight: 950;
    margin: .2rem 0 .35rem;
    font-size: 1.05rem;
}

.jr-card p {
    color: #666;
    font-size: .9rem;
    line-height: 1.55;
    margin: 0 0 .75rem;
}

.jr-mini {
    display: flex;
    gap: .55rem;
    align-items: flex-start;
    color: rgba(28,28,28,.68);
    font-weight: 700;
    font-size: .82rem;
    line-height: 1.4;
    margin-bottom: .8rem;
}

    .jr-mini i {
        color: var(--ok);
        margin-top: .1rem;
    }

.jr-chips {
    display: flex;
    flex-wrap: wrap;
    gap: .45rem;
}

.jr-chip {
    font-size: .74rem;
    font-weight: 900;
    color: rgba(28,28,28,.72);
    background: rgba(247,250,251,.95);
    border: 1px solid rgba(28,28,28,.10);
    padding: .22rem .55rem;
    border-radius: 999px;
}

/* CTA */
.jr-cta {
    margin-top: 1.1rem;
}

.jr-btn {
    background: var(--teal);
    color: #fff;
    font-weight: 950;
    padding: .9rem 1.6rem;
    border-radius: 12px;
    box-shadow: 0 16px 36px rgba(11,109,150,.22);
}

    .jr-btn:hover {
        background: #095f83;
        color: #fff;
    }

.jr-note {
    margin-top: .7rem;
    color: #666;
    font-size: .82rem;
    font-weight: 700;
}

/* Responsive: stack cards under line */
@media (max-width: 991.98px) {
    .jr-row {
        grid-template-columns: 60px 1fr;
        gap: 14px;
    }

    .jr-line {
        left: 30px;
        transform: none;
    }

    .jr-mid {
        grid-column: 1 / 2;
    }

    .jr-left, .jr-right {
        padding: 0;
        grid-column: 2 / 3;
    }
}

/*documents.css*/

.docs-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.docs-container {
    max-width: 1180px;
}

/* Header */
.docs-head {
    margin-bottom: 2.2rem;
}

.docs-pill {
    display: inline-flex;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #e6f1f7;
    border: 1px solid #b9d7e7;
    font-weight: 900;
    font-size: .85rem;
}

.docs-title {
    font-weight: 950;
    margin: .8rem 0 .35rem;
}

.docs-sub {
    color: #666;
    max-width: 72ch;
    margin: 0 auto;
}

/* Cards */
.doc-card {
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(28,28,28,.08);
    box-shadow: 0 14px 40px rgba(0,0,0,.08);
    padding: 1.2rem 1.2rem;
    height: 100%;
}

    .doc-card.muted {
        background: #fbfcfd;
    }

.doc-top {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.doc-ic {
    width: 46px;
    height: 46px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(11,109,150,.10);
    border: 1px solid rgba(11,109,150,.18);
    color: var(--teal);
    flex: 0 0 auto;
    font-size: 1.2rem;
}

    .doc-ic.gray {
        background: rgba(147,168,172,.16);
        border-color: rgba(147,168,172,.28);
        color: rgba(28,28,28,.55);
    }

.doc-title-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: .6rem;
}

.doc-h h6 {
    font-weight: 950;
    margin: 0;
}

.doc-h p {
    margin: .35rem 0 .55rem;
    color: #666;
    font-size: .9rem;
    line-height: 1.5;
}

.doc-link {
    font-size: .85rem;
    font-weight: 800;
    color: var(--teal);
    text-decoration: none;
}

    .doc-link:hover {
        text-decoration: underline;
    }

/* badges */
.doc-badge {
    font-size: .72rem;
    font-weight: 950;
    padding: .22rem .55rem;
    border-radius: 999px;
    border: 1px solid rgba(28,28,28,.12);
    background: rgba(255,255,255,.92);
    white-space: nowrap;
}

    .doc-badge.req {
        color: #0f6e52;
        background: rgba(30,141,103,.12);
        border-color: rgba(30,141,103,.22);
    }

    .doc-badge.opt {
        color: rgba(28,28,28,.60);
        background: rgba(147,168,172,.14);
        border-color: rgba(147,168,172,.25);
    }

/* Bottom help card */
.docs-help {
    display: flex;
    align-items: center;
    gap: 1rem;
    background: linear-gradient(180deg, #f7fbff, #ffffff);
    border: 1px solid #cbe3f0;
    border-radius: 16px;
    box-shadow: var(--shadow);
    padding: 1.15rem 1.2rem;
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}

.docs-help-ic {
    width: 54px;
    height: 54px;
    border-radius: 999px;
    background: rgba(11,109,150,.10);
    border: 1px solid rgba(11,109,150,.18);
    color: var(--teal);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex: 0 0 auto;
}

.docs-help-txt h6 {
    font-weight: 950;
}

.docs-help-txt p {
    color: #666;
    font-size: .9rem;
    line-height: 1.45;
}

.docs-help-btn {
    margin-left: auto;
}

@media (max-width: 575.98px) {
    .docs-help {
        flex-direction: column;
        align-items: flex-start;
    }

    .docs-help-btn {
        margin-left: 0;
        width: 100%;
    }

        .docs-help-btn .btn {
            width: 100%;
        }
}

/*epf.css*/

.epf-wrap {
    padding: clamp(2.5rem, 6vw, 4.5rem) 0;
}

.epf-container {
    max-width: 1060px;
}

/* Card shell */
.epf-card {
    display: grid;
    grid-template-columns: 320px 1fr;
    background: #fff;
    border-radius: 18px;
    border: 1px solid rgba(28,28,28,.06);
    box-shadow: var(--shadow);
    overflow: hidden;
}

/* Left panel */
.epf-left {
    background: linear-gradient(180deg, rgba(254,205,7,.12) 0%, rgba(147,168,172,.10) 55%, rgba(30,141,103,.08) 100%);
    position: relative;
}

.epf-left-inner {
    height: 100%;
    min-height: 280px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1.1rem;
    padding: 1.5rem;
}

.epf-flag {
    font-size: 46px;
    width: 66px;
    height: 66px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 18px;
    background: rgba(255,255,255,.65);
    border: 1px solid rgba(255,255,255,.55);
    box-shadow: 0 18px 45px rgba(0,0,0,.08);
}

.epf-pill {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .32rem .75rem;
    border-radius: 999px;
    background: rgba(255,255,255,.70);
    border: 1px solid rgba(28,28,28,.10);
    font-weight: 900;
    font-size: .85rem;
    color: rgba(28,28,28,.78);
}

/* Right content */
.epf-right {
    padding: 1.6rem 1.8rem;
}

.epf-title {
    font-weight: 950;
    letter-spacing: -0.01em;
    margin: 0 0 .75rem;
    display: flex;
    align-items: center;
    gap: .35rem;
}

    .epf-title i {
        color: var(--teal);
    }

.epf-p {
    color: rgba(28,28,28,.66);
    line-height: 1.7;
    margin: 0 0 1.1rem;
}

/* points box */
.epf-points {
    background: rgba(247,250,251,.95);
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 14px;
    padding: 1rem 1.05rem;
    margin-bottom: 1.1rem;
}

.epf-points-title {
    font-weight: 950;
    margin-bottom: .55rem;
    color: rgba(28,28,28,.82);
}

.epf-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: .35rem;
    color: rgba(28,28,28,.62);
    font-weight: 650;
    font-size: .92rem;
}

    .epf-list i {
        color: var(--teal);
        font-size: 1.1rem;
        margin-right: .35rem;
    }

/* note */
.epf-note {
    margin: 0;
    color: rgba(28,28,28,.58);
    font-style: italic;
    line-height: 1.6;
}

    .epf-note b {
        color: rgba(28,28,28,.72);
        font-style: normal;
    }

/* Responsive */
@media (max-width: 991.98px) {
    .epf-card {
        grid-template-columns: 1fr;
    }

    .epf-left-inner {
        min-height: 200px;
    }
}

/*faq-accordion.css*/

.faqa-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.faqa-container {
    max-width: 920px;
}

/* Header */
.faqa-head {
    margin-bottom: 2rem;
}

.faqa-pill {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #eef6fb;
    border: 1px solid #cfe3f1;
    font-weight: 900;
    font-size: .85rem;
    color: rgba(28,28,28,.78);
}

.faqa-title {
    font-weight: 950;
    margin: .85rem 0 .35rem;
}

.faqa-sub {
    color: #666;
    margin: 0;
}

/* Accordion look */
.faqa-acc {
    display: grid;
    gap: .9rem;
}

.faqa-item {
    border: 1px solid rgba(28,28,28,.08);
    border-radius: 12px;
    overflow: hidden;
    background: rgba(255,255,255,.92);
    box-shadow: 0 10px 28px rgba(0,0,0,.05);
}

.accordion-item.faqa-item {
    background: rgba(255,255,255,.92);
}

.faqa-btn {
    background: transparent;
    font-weight: 900;
    padding: 1.05rem 1.15rem;
    color: rgba(28,28,28,.85);
    box-shadow: none !important;
}

    .faqa-btn:not(.collapsed) {
        background: transparent;
        color: rgba(28,28,28,.92);
    }

/* Replace default caret */
.accordion-button::after {
    background-image: none !important;
    content: "\f286"; /* bi-chevron-down */
    font-family: "bootstrap-icons";
    font-size: 1rem;
    transform: none !important;
    transition: transform .2s ease;
    color: rgba(28,28,28,.55);
}

.accordion-button:not(.collapsed)::after {
    transform: rotate(180deg) !important;
    color: rgba(11,109,150,.80);
}

.faqa-body {
    padding: .9rem 1.15rem 1.2rem;
    color: rgba(28,28,28,.64);
    line-height: 1.6;
    /*font-size: .95rem;*/
    border-top: 1px solid rgba(28,28,28,.06);
}

/* remove bootstrap default borders */
.accordion-button {
    border: 0 !important;
}

.accordion-collapse {
    border: 0 !important;
}

/*eligibility-form.css*/

.ef-wrap {
    padding: clamp(3rem,6vw,5rem) 0;
}

.ef-container {
    max-width: 1160px;
}

/* Header */
.ef-head {
    margin-bottom: 2rem;
}

.ef-pill {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    padding: .35rem .8rem;
    border-radius: 999px;
    background: #eef6fb;
    border: 1px solid #cfe3f1;
    font-weight: 900;
    font-size: .85rem;
    color: rgba(28,28,28,.78);
}

.ef-title {
    font-weight: 950;
    margin: .85rem 0 .35rem;
}

.ef-sub {
    color: #666;
    margin: 0;
}

/* Cards */
.ef-card {
    background: #fff;
    border-radius: 16px;
    border: 1px solid rgba(28,28,28,.08);
    box-shadow: var(--shadow);
    padding: 1.4rem;
}

.ef-label {
    font-weight: 900;
    font-size: .9rem;
    color: rgba(28,28,28,.82);
    display: flex;
    align-items: center;
    gap: .5rem;
}

.ef-control {
    border-radius: 10px;
    border: 1px solid rgba(28,28,28,.12);
    padding: .7rem .85rem;
}

    .ef-control:focus {
        border-color: rgba(11,109,150,.35);
        box-shadow: 0 0 0 .2rem rgba(11,109,150,.12);
    }

.ef-hr {
    margin: 1.2rem 0;
    opacity: .12;
}

.ef-sec-title {
    font-weight: 950;
    display: flex;
    align-items: center;
    gap: .6rem;
    margin-bottom: .75rem;
    color: rgba(28,28,28,.88);
}

/* sliders */
.ef-slider-block {
    margin: 1rem 0 1.15rem;
}

.ef-slider-label {
    font-weight: 800;
    font-size: .9rem;
    color: rgba(28,28,28,.78);
}

.ef-slider-value {
    font-weight: 950;
    color: var(--teal);
}

.ef-range {
    margin-top: .65rem;
}

    .ef-range::-webkit-slider-thumb {
        background: var(--teal);
    }

.ef-range-meta {
    display: flex;
    justify-content: space-between;
    font-size: .78rem;
    color: rgba(28,28,28,.55);
}

.ef-check {
    color: rgba(28,28,28,.62);
    font-size: .86rem;
    line-height: 1.5;
}

.ef-submit {
    width: 100%;
    background: var(--teal);
    color: #fff;
    font-weight: 950;
    padding: .95rem 1.2rem;
    border-radius: 12px;
    box-shadow: 0 16px 34px rgba(11,109,150,.20);
}

    .ef-submit:hover {
        background: #095f83;
        color: #fff;
    }

/* Right column */
.ef-side {
    display: grid;
    gap: 1rem;
}

.ef-side-card {
    background: #fff;
    border-radius: 14px;
    border: 1px solid rgba(28,28,28,.08);
    box-shadow: 0 12px 34px rgba(0,0,0,.07);
    padding: 1.1rem 1.1rem;
}

    .ef-side-card h6 {
        font-weight: 950;
        margin: 0 0 .75rem;
        display: flex;
        align-items: center;
        gap: .4rem;
    }

.ef-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: .55rem;
    color: rgba(28,28,28,.68);
    font-weight: 650;
    font-size: .9rem;
}

    .ef-list i {
        color: var(--ok);
        margin-right: .45rem;
    }

.ef-time {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: .55rem;
    color: rgba(28,28,28,.68);
    font-weight: 650;
    font-size: .92rem;
}

    .ef-time b {
        color: var(--teal);
        margin-right: .35rem;
    }

.ef-side-note {
    background: #eef6fb;
    border: 1px solid #cfe3f1;
    border-radius: 14px;
    padding: 1rem 1.05rem;
    color: rgba(28,28,28,.68);
    font-size: .88rem;
    line-height: 1.55;
}

    .ef-side-note b {
        color: rgba(28,28,28,.82);
    }

/* =========================================================
   GLOBAL RESPONSIVE IMPROVEMENTS
   (works across all 10 sections)
========================================================= */

/* safer containers */
.hp-hero .container,
.hp-container,
.elg-container,
.calc-container,
.faq-container,
.jr-container,
.docs-container,
.epf-container,
.faqa-container,
.ef-container {
    max-width: var(--container);
}

/* unify button colors with palette */
.btn-primary-deep,
.hp-estimate .btn-est,
.btn-cta,
.calc-cta,
.faq-cta,
.jr-btn,
.ef-submit {
    background: var(--accent);
}

    .btn-primary-deep:hover,
    .hp-estimate .btn-est:hover,
    .btn-cta:hover,
    .calc-cta:hover,
    .faq-cta:hover,
    .jr-btn:hover,
    .ef-submit:hover {
        background: var(--accent-hover);
    }

/* cards: consistent shadow + radius */
.hp-estimate,
.hp-card,
.elg-quiz,
.elg-mini,
.calc-card,
.faq-card,
.faq-compare,
.jr-card,
.doc-card,
.docs-help,
.epf-card,
.faqa-item,
.ef-card,
.ef-side-card {
    border-radius: var(--radius);
}

/* range inputs: improve tap targets on mobile */
input[type="range"] {
    height: 28px;
}

    input[type="range"]::-webkit-slider-thumb {
        width: 18px;
        height: 18px;
    }

    input[type="range"]::-moz-range-thumb {
        width: 18px;
        height: 18px;
    }

@media (max-width: 991.98px) {
    /* hero height: allow content to flow */
    .hp-hero {
        min-height: auto;
    }

    /* timeline stack already handled; ensure enough gap */
    .jr-row {
        margin-bottom: 1.6rem;
    }

    /* reduce heavy paddings */
    .elg-quiz-body {
        padding: 1.6rem 1.2rem 1.5rem;
    }

    .calc-card {
        padding: 1.25rem;
    }

    .faq-compare {
        padding: 1.5rem 1.2rem;
    }

    .ef-card {
        padding: 1.2rem;
    }
}

@media (max-width: 575.98px) {
    /* make primary actions easier */
    .hp-ctas > *,
    .elg-actions > *,
    .calc-email,
    .docs-help-btn,
    .ef-submit {
        width: 100%;
    }

    .hp-ctas {
        gap: .75rem;
    }

    /* checklist grids -> single column */
    .hp-checklist,
    .calc-stats {
        grid-template-columns: 1fr !important;
    }

    /* email row stack */
    .calc-email {
        flex-direction: column;
    }

    /* help card stack */
    .docs-help {
        flex-direction: column;
        align-items: flex-start;
    }

    /* soften radii + shadows on small devices */
    .hp-estimate,
    .hp-card,
    .elg-quiz,
    .calc-card,
    .faq-compare,
    .jr-card,
    .doc-card,
    .epf-card,
    .ef-card {
        border-radius: var(--radius-sm);
        box-shadow: var(--shadow-sm);
    }
}