/* ==========================================================================
   CTC to In-Hand Salary Calculator — Scoped CSS
   Prefix: .ctc-
   Matches design from Claude Design handoff
   ========================================================================== */

/* ---------- CSS Variables ---------- */
.ctc-wrap {
  --ctc-primary: #007AFF;
  --ctc-primary-dark: #0066D6;
  --ctc-orange: #FFA709;
  --ctc-orange-dark: #E0900A;
  --ctc-green: #60B158;
  --ctc-pink: #FF6961;
  --ctc-ink: #1E2538;
  --ctc-gray: #515869;
  --ctc-gray2: #8F95A6;
  --ctc-bg: #FAFBFC;
  --ctc-card: #FFFFFF;
  --ctc-border: #E5E8EE;
  --ctc-border-hover: #D5DAE3;
  --ctc-border-soft: #EEF0F5;
  --ctc-soft: #F4F6FA;
  --ctc-soft-blue: #E6F2FF;
  --ctc-soft-blue-2: #F5FAFF;
  --ctc-surface: #F8FAFB;
  --ctc-navy: #1A2138;
  --ctc-ease: cubic-bezier(0.5,0,0.5,1);
  font-family: 'Instrument Sans', system-ui, -apple-system, sans-serif;
  color: var(--ctc-ink);
  line-height: 1.55;
}
.ctc-wrap *, .ctc-wrap *::before, .ctc-wrap *::after { box-sizing: border-box; }
.ctc-wrap h1, .ctc-wrap h2, .ctc-wrap h3, .ctc-wrap h4, .ctc-wrap h5, .ctc-wrap h6 { color: var(--ctc-ink); margin: 0; }
.ctc-wrap button { font-family: inherit; cursor: pointer; border: 0; background: none; }

/* ---------- Template overrides ---------- */
.page-template-page-ai-calculator .banner_section { display: none !important; }
.page-template-page-ai-calculator .calculator_sec1 { padding: 0 !important; }
.page-template-page-ai-calculator .salary_calculator_sec { padding: 0 !important; display: none !important; }

/* ---------- Layout ---------- */
.ctc-section { padding: 10px 20px; }
.ctc-s-center { text-align: center; }

/* ============ HERO ============ */
.ctc-hero {
  display: block !important;
  visibility: visible !important;
  opacity: 1 !important;
  height: auto !important;
  background: var(--ctc-bg) !important;
  padding: 88px 0 80px !important;
}
.ctc-hero-inner {
  max-width: 1024px;
  margin: 0 auto;
  text-align: center;
}
.ctc-hero-eyebrow {
  display: inline-flex !important;
  align-items: center !important;
  gap: 10px !important;
  padding: 9px 22px !important;
  background: var(--ctc-card) !important;
  border: 1px solid var(--ctc-border) !important;
  border-radius: 999px !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  color: var(--ctc-ink) !important;
}
.ctc-hero-eyebrow::before,
.ctc-hero-eyebrow::after {
  content: '' !important;
  width: 6px !important; height: 6px !important;
  border-radius: 50% !important;
  background: var(--ctc-primary) !important;
  flex: 0 0 6px !important;
}
.ctc-hero-h1 {
    font-size: 48px !important;
    font-weight: 700 !important;
    line-height: 1.2 !important;
    margin: 20px auto 12px !important;
    max-width: 992px !important;
    color: var(--ecc-ink) !important;
}
.ctc-hero-h1 .accent { color: var(--ctc-primary) !important; }
.ctc-hero-sub {
  font-size: 17px !important;
  color: var(--ctc-gray) !important;
  line-height: 1.65 !important;
  max-width: 760px !important;
  margin: 0 auto 32px !important;
}
.ctc-trust-row {
  display: flex !important;
  gap: 14px !important;
  justify-content: center !important;
  flex-wrap: wrap !important;
}
.ctc-trust-pill {
  display: inline-flex !important;
  align-items: center !important;
  gap: 6px !important;
  padding: 11px 22px !important;
  background: var(--ctc-card) !important;
  border: 1px solid var(--ctc-border) !important;
  border-radius: 999px !important;
  font-size: 14px !important;
  color: var(--ctc-gray) !important;
  font-weight: 500 !important;
}
.ctc-trust-pill b { color: var(--ctc-ink) !important; font-weight: 700 !important; }

/* ============ CALC GRID ============ */
.ctc-calc-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 32px;
  margin-top: 40px;
  align-items: start;
}

/* ============ PANEL ============ */
.ctc-panel {
  background: var(--ctc-card);
  border: 1px solid var(--ctc-border);
  border-radius: 20px;
  overflow: hidden;
}
.ctc-panel-head {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 24px 28px;
  border-bottom: 1px solid var(--ctc-border-soft);
}
.ctc-icon-44 {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--ctc-primary);
  display: flex; align-items: center; justify-content: center;
  flex: 0 0 44px;
}
.ctc-panel-head h3 { font-size: 20px !important; font-weight: 700 !important; flex: 1; }
.ctc-fy-pill {
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--ctc-soft-blue);
  color: var(--ctc-primary);
  font-size: 12px;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}

/* ============ ACCORDION ============ */
.ctc-acc { border-bottom: 1px solid var(--ctc-border-soft); }
.ctc-acc:last-child { border-bottom: 0; }
.ctc-acc-head {
  display: flex !important;
  align-items: center !important;
  gap: 14px !important;
  width: 100% !important;
  padding: 18px 28px !important;
  background: var(--ctc-card) !important;
  text-align: left !important;
  transition: background 0.2s var(--ctc-ease) !important;
}
.ctc-acc-head:hover { background: var(--ctc-soft-blue-2) !important; }
.ctc-acc-num {
  width: 32px; height: 32px;
  border-radius: 8px;
  background: var(--ctc-soft-blue);
  color: var(--ctc-primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  font-variant-numeric: tabular-nums;
  flex: 0 0 32px;
}
.ctc-acc-title { flex: 1; }
.ctc-acc-title-main { font-size: 15px !important; font-weight: 600 !important; color: var(--ctc-ink) !important; margin: 0 0 2px !important; }
.ctc-acc-title-sub { font-size: 13px !important; color: var(--ctc-gray2) !important; margin: 0 !important; font-weight: 500 !important; }
.ctc-acc-chev {
  width: 20px; height: 20px;
  color: var(--ctc-gray2);
  transition: transform 0.2s var(--ctc-ease);
}
.ctc-acc-open .ctc-acc-chev { transform: rotate(180deg); color: var(--ctc-primary); }
.ctc-acc-body {
  overflow: hidden;
  max-height: 0;
  transition: max-height 350ms ease;
  padding: 0 28px;
}
.ctc-acc-open .ctc-acc-body {
  max-height: none;
  padding: 8px 28px 24px;
}

/* ============ FORM FIELDS ============ */
.ctc-field { margin: 0 0 18px; }
.ctc-field:last-child { margin-bottom: 0; }
.ctc-field-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
  font-size: 13px !important;
  font-weight: 600 !important;
  color: var(--ctc-ink) !important;
  margin: 0 0 8px !important;
}
.ctc-field-hint { font-size: 12px !important; color: var(--ctc-gray2) !important; font-weight: 500 !important; }

.ctc-input-row {
  display: flex !important;
  align-items: center !important;
  gap: 0 !important;
  border: 1.5px solid var(--ctc-border) !important;
  border-radius: 10px !important;
  background: var(--ctc-card) !important;
  overflow: hidden !important;
  transition: border-color 0.2s var(--ctc-ease), box-shadow 0.2s var(--ctc-ease) !important;
}
.ctc-input-row:focus-within {
  border-color: var(--ctc-primary) !important;
  box-shadow: 0 0 0 3px rgba(0,122,255,0.15) !important;
}
.ctc-input-prefix {
  padding: 0 12px !important;
  height: 46px !important;
  display: flex !important;
  align-items: center !important;
  color: var(--ctc-gray) !important;
  font-size: 16px !important;
  font-weight: 600 !important;
  background: var(--ctc-soft) !important;
  border-right: 1px solid var(--ctc-border) !important;
}
.ctc-input-row input {
  flex: 1 !important;
  height: 46px !important;
  padding: 0 14px !important;
  border: 0 !important;
  outline: 0 !important;
  background: transparent !important;
  font-size: 15px !important;
  color: var(--ctc-ink) !important;
  font-weight: 600 !important;
  font-variant-numeric: tabular-nums !important;
  width: 100% !important;
  font-family: inherit !important;
}
.ctc-input-suffix {
  padding: 0 12px !important;
  color: var(--ctc-gray2) !important;
  font-size: 13px !important;
  font-weight: 500 !important;
}

/* Chips */
.ctc-chips { display: flex !important; gap: 8px !important; flex-wrap: wrap !important; }
.ctc-chip {
  display: inline-flex !important;
  align-items: center !important;
  gap: 8px !important;
  min-height: 36px !important;
  padding: 9px 14px !important;
  border-radius: 999px !important;
  background: var(--ctc-card) !important;
  border: 1px solid var(--ctc-border) !important;
  font-size: 13px !important;
  font-weight: 600 !important;
  color: var(--ctc-gray) !important;
  transition: all 0.2s var(--ctc-ease) !important;
  cursor: pointer !important;
  font-family: inherit !important;
}
.ctc-chip:hover { border-color: var(--ctc-border-hover) !important; color: var(--ctc-ink) !important; }
.ctc-chip.active {
  background: var(--ctc-soft-blue) !important;
  border-color: var(--ctc-primary) !important;
  color: var(--ctc-primary) !important;
}
.ctc-chip-rec {
  padding: 2px 6px !important;
  background: var(--ctc-green) !important;
  color: #fff !important;
  font-size: 9px !important;
  font-weight: 700 !important;
  letter-spacing: 0.06em !important;
  border-radius: 4px !important;
}

/* Range */
.ctc-range-row { display: flex !important; align-items: center !important; gap: 14px !important; }
.ctc-range-row input[type="range"] {
  flex: 1 !important;
  -webkit-appearance: none !important;
  appearance: none !important;
  height: 6px !important;
  background: var(--ctc-soft) !important;
  border-radius: 999px !important;
  outline: 0 !important;
  padding: 0 !important;
}
.ctc-range-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none !important;
  width: 20px !important; height: 20px !important;
  border-radius: 50% !important;
  background: var(--ctc-primary) !important;
  cursor: pointer !important;
  border: 3px solid #fff !important;
  box-shadow: 0 1px 4px rgba(0,122,255,0.4) !important;
}
.ctc-range-row input[type="range"]::-moz-range-thumb {
  width: 20px !important; height: 20px !important;
  border-radius: 50% !important;
  background: var(--ctc-primary) !important;
  cursor: pointer !important;
  border: 3px solid #fff !important;
  box-shadow: 0 1px 4px rgba(0,122,255,0.4) !important;
}
.ctc-range-num {
  width: 120px !important; height: 42px !important;
  padding: 0 12px !important;
  border: 1.5px solid var(--ctc-border) !important;
  border-radius: 10px !important;
  font-size: 14px !important; font-weight: 600 !important;
  text-align: center !important;
  font-variant-numeric: tabular-nums !important;
  outline: 0 !important;
  font-family: inherit !important;
  background: var(--ctc-card) !important;
  color: var(--ctc-ink) !important;
}
.ctc-range-num:focus { border-color: var(--ctc-primary) !important; box-shadow: 0 0 0 3px rgba(0,122,255,0.15) !important; }

.ctc-two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

/* Old regime faded state */
.ctc-old-regime-faded { opacity: 0.5; }

/* ============ LIVE CARD ============ */
.ctc-live { position: sticky; top: 84px; }
.ctc-live-card {
  background: var(--ctc-card);
  border: 1px solid var(--ctc-border);
  border-radius: 20px;
  padding: 28px;
  overflow: hidden;
}
.ctc-live-head {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.1em;
  color: var(--ctc-green); margin: 0 0 6px;
}
.ctc-live-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--ctc-green);
  position: relative;
}
.ctc-live-dot::after {
  content: ''; position: absolute; inset: -4px; border-radius: 50%;
  background: var(--ctc-green); opacity: 0.35;
  animation: ctc-pulse 1.6s var(--ctc-ease) infinite;
}
@keyframes ctc-pulse {
  0% { transform: scale(0.6); opacity: 0.5; }
  100% { transform: scale(2); opacity: 0; }
}
.ctc-live-title { font-size: 13px; color: var(--ctc-gray2); margin: 0 0 22px; font-weight: 500; }

/* Donut */
.ctc-donut-wrap { display: flex; align-items: center; gap: 24px; margin: 0 0 24px; }
.ctc-donut { position: relative; width: 172px; height: 172px; flex: 0 0 172px; }
.ctc-donut svg { transform: rotate(-90deg); width: 100%; height: 100%; }
.ctc-donut-center {
  position: absolute; inset: 0;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.ctc-donut-pct {
  font-size: 34px !important; font-weight: 700 !important;
  color: var(--ctc-primary) !important; line-height: 1 !important;
  font-variant-numeric: tabular-nums !important;
}
.ctc-donut-pct.ctc-warn { color: var(--ctc-pink) !important; }
.ctc-donut-lbl { font-size: 11px; color: var(--ctc-gray2); letter-spacing: 0.06em; font-weight: 600; margin-top: 6px; }

/* Legend */
.ctc-legend { flex: 1; display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.ctc-legend-row { display: flex; align-items: center; gap: 10px; font-size: 13px; }
.ctc-legend-sw { width: 10px; height: 10px; border-radius: 3px; flex: 0 0 10px; }
.ctc-legend-name { flex: 1; color: var(--ctc-gray); font-weight: 500; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.ctc-legend-val { color: var(--ctc-ink); font-weight: 600; font-variant-numeric: tabular-nums; }

/* Breakdown */
.ctc-breakdown {
  background: var(--ctc-soft-blue-2); border: 1px solid #DCEEFF;
  border-radius: 14px; padding: 18px 20px; margin: 0 0 18px;
}
.ctc-bk-row {
  display: flex; align-items: baseline; justify-content: space-between; gap: 12px;
  padding: 7px 0; font-size: 13.5px;
}
.ctc-bk-row + .ctc-bk-row { border-top: 1px dashed #CFE5FF; }
.ctc-bk-lbl { color: var(--ctc-gray); font-weight: 500; }
.ctc-bk-val { color: var(--ctc-ink); font-weight: 600; font-variant-numeric: tabular-nums; white-space: nowrap; }
.ctc-bk-row.ctc-bk-total { padding-top: 14px; margin-top: 6px; border-top: 1.5px solid var(--ctc-primary); }
.ctc-bk-row.ctc-bk-total .ctc-bk-lbl { color: var(--ctc-ink); font-weight: 700; font-size: 14px; }
.ctc-bk-row.ctc-bk-total .ctc-bk-val { color: var(--ctc-primary); font-weight: 700; font-size: 18px; }

/* Formula strip */
.ctc-formula-strip {
  background: var(--ctc-soft); border-radius: 12px; padding: 14px 16px;
  font-size: 12.5px; color: var(--ctc-gray); line-height: 1.6; margin: 0 0 12px;
  font-variant-numeric: tabular-nums;
}
.ctc-formula-strip .ctc-fk { color: var(--ctc-primary); font-weight: 600; }
.ctc-formula-strip .ctc-fv { color: var(--ctc-ink); font-weight: 600; }

/* Warning strip */
.ctc-warning-strip {
  display: flex; align-items: flex-start; gap: 10px;
  background: #FFF3F2; border: 1px solid #FFD9D6; border-radius: 10px;
  padding: 10px 14px; font-size: 12.5px; color: var(--ctc-ink); line-height: 1.5;
}
.ctc-pdot { width: 8px; height: 8px; border-radius: 50%; background: var(--ctc-pink); flex: 0 0 8px; margin-top: 6px; }

/* ============ REFERENCE TABLE ============ */
.ctc-tbl-wrap {
  background: var(--ctc-card); border: 1px solid var(--ctc-border);
  border-radius: 16px; overflow: hidden;
}
.ctc-tbl-scroll { width: 100%; overflow-x: auto; }
.ctc-tbl-wrap table {
  width: 100%; border-collapse: collapse; table-layout: fixed;
  font-variant-numeric: tabular-nums;
}
.ctc-tbl-wrap thead th {
  background: var(--ctc-primary) !important;
  color: #fff !important; padding: 16px 18px !important;
  text-align: left !important; font-size: 12px !important;
  font-weight: 700 !important; letter-spacing: 0.04em !important;
  text-transform: uppercase !important;
  border-right: 1px solid rgba(255,255,255,0.15) !important;
}
.ctc-tbl-wrap thead th:last-child { border-right: 0 !important; }
.ctc-tbl-wrap tbody td {
  padding: 14px 18px !important; font-size: 13.5px !important;
  color: var(--ctc-gray) !important;
  border-bottom: 1px solid var(--ctc-border-soft) !important;
  border-right: 1px solid var(--ctc-border-soft) !important;
  text-align: left !important;
}
.ctc-tbl-wrap tbody td:last-child { border-right: 0 !important; }
.ctc-tbl-wrap tbody td:first-child { color: var(--ctc-ink) !important; font-weight: 600 !important; }
.ctc-tbl-wrap tbody tr:nth-child(odd) td { background: var(--ctc-soft-blue-2) !important; }
.ctc-tbl-wrap tbody tr:last-child td { border-bottom: 0 !important; }
.ctc-tbl-wrap tbody td .ctc-pos { color: var(--ctc-green); font-weight: 600; }
.ctc-tbl-wrap tbody td .ctc-neg { color: var(--ctc-pink); font-weight: 600; }

/* ============ TOP TITLE ============ */
.ctc-top-title { margin: 0 0 40px; text-align: center; }
.ctc-top-title h2 { font-size: clamp(32px,3.4vw,42px); line-height: 1.1; letter-spacing: -1px; font-weight: 700; margin: 0 0 14px; color: var(--ctc-ink); }
.ctc-top-title p { color: var(--ctc-gray); font-size: 17px; max-width: 680px; margin: 0 auto; line-height: 1.55; }

/* ============ FORMULA STEPS ============ */
.ctc-fm-steps {
  display: grid; grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 14px; align-items: stretch; margin: 0 0 32px;
}
.ctc-fm-step {
  background: var(--ctc-card); border: 1px solid var(--ctc-border);
  border-radius: 16px; padding: 22px 22px 20px;
  display: flex; flex-direction: column; gap: 10px;
}
.ctc-fm-num {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 50px; height: 40px; padding: 0 10px; border-radius: 8px;
  background: var(--ctc-soft-blue); color: var(--ctc-primary);
  font-size: 14px; font-weight: 700; letter-spacing: 0.04em;
  align-self: flex-start; font-variant-numeric: tabular-nums;
}
.ctc-fm-step h4 { font-size: 20px; font-weight: 700; margin: 2px 0 0; }
.ctc-fm-step p { font-size: 16px; color: var(--ctc-gray); line-height: 1.55; margin: 0; }
.ctc-fm-code {
  margin-top: auto; background: var(--ctc-soft); border-radius: 8px;
  padding: 12px 14px;
  font-size: 14px; color: var(--ctc-ink); line-height: 1.55;
  font-variant-numeric: tabular-nums; white-space: pre-line;
}
.ctc-fm-arrow { display: flex; align-items: center; color: var(--ctc-gray2); }

/* ============ FINAL FORMULA CARD ============ */
.ctc-fm-final {
  background: var(--ctc-soft-blue-2); border: 1px solid #CFE5FF; border-radius: 18px;
  padding: 25px; display: grid; grid-template-columns: 1fr 1.05fr; gap: 32px;
  margin: 0 0 40px;
}
.ctc-fm-final-eye { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; color: var(--ctc-primary); margin: 0 0 12px; }
.ctc-fm-final h3 { font-size: 26px; font-weight: 700; margin: 0 0 14px; letter-spacing: -0.01em; }
.ctc-fm-final > div > p { color: var(--ctc-gray); line-height: 1.6; font-size: 15px; margin: 0; }
.ctc-fm-final-code {
  background: var(--ctc-card); border: 1px solid #CFE5FF; border-radius: 12px;
  padding: 18px 20px;
  font-size: 14px; color: var(--ctc-ink); line-height: 1.7; margin: 0 0 14px;
  font-variant-numeric: tabular-nums; word-break: break-word;
}
.ctc-hl { color: var(--ctc-primary); font-weight: 600; text-decoration: underline; text-decoration-color: #CFE5FF; text-underline-offset: 3px; }
.ctc-fm-example {
  background: var(--ctc-card); border: 1px solid #CFE5FF; border-radius: 12px;
  padding: 16px 20px; font-size: 13px; color: var(--ctc-gray);
   line-height: 1.7;
  font-variant-numeric: tabular-nums;
}
.ctc-fm-eye { display: block; font-size: 12px; font-weight: 700; letter-spacing: 0.1em; color: var(--ctc-gray2); margin: 0 0 8px; font-family: 'Instrument Sans', sans-serif; }
.ctc-fm-result { color: var(--ctc-primary); font-weight: 700; }

/* ============ METHODOLOGY BLOCK ============ */
.ctc-meth-block {
  background: var(--ctc-soft-blue-2); border: 1px solid #DCEEFF; border-radius: 18px;
  padding: 25px;
}
.ctc-meth-block > p { color: var(--ctc-gray); font-size: 16px; line-height: 1.65; margin: 0 0 28px; max-width: 880px; }
.ctc-meth-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.ctc-meth-card {
  background: var(--ctc-card); border: 1px solid #DCEEFF; border-radius: 14px;
  padding: 24px 26px; display: flex; flex-direction: column; gap: 10px;
}
.ctc-meth-num {
  width: 34px; height: 34px; border-radius: 8px;
  background: var(--ctc-soft-blue); color: var(--ctc-primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700; font-variant-numeric: tabular-nums;
}
.ctc-meth-card h5 { font-size: 19px; font-weight: 700; margin: 4px 0 2px; line-height: 1.3; letter-spacing: -0.01em; }
.ctc-meth-tag { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; color: var(--ctc-gray2); text-transform: uppercase; }
.ctc-meth-desc { font-size: 15px; color: var(--ctc-gray); line-height: 1.6; margin: 0; }

/* ============ SHARED SECTION STYLES ============ */
.ctc-s-h2 {
  font-size: 32px; font-weight: 700; color: var(--ctc-ink);
  line-height: 1.2; letter-spacing: -0.5px; margin-bottom: 12px;
}
.ctc-s-intro {
  font-size: 17px; font-weight: 400; color: var(--ctc-gray);
  line-height: 1.7; max-width: 680px; margin-bottom: 32px;
}
.ctc-s-center .ctc-s-intro,
.ctc-s-intro.ctc-s-center { margin-left: auto; margin-right: auto; }

/* Checkbox SVG */
.ctc-chk-svg { width: 20px; height: 20px; flex-shrink: 0; color: var(--ctc-primary); }
.ctc-benefit-card .ctc-chk-svg { width: 35px; height: 32px; flex-shrink: 0; color: var(--ctc-primary); }

/* ============ STATS & BENEFITS ============ */
.ctc-stats-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.ctc-stat-card { background: #fff; border: 1px solid #EEF0F5; border-radius: 16px; padding: 28px 24px; box-shadow: 0 2px 12px rgba(30,37,56,0.04); }
.ctc-stat-num { font-size: 48px; font-weight: 700; line-height: 1; letter-spacing: -1.5px; }
.ctc-stat-desc { font-size: 16px; font-weight: 500; color: var(--ctc-gray); margin-top: 15px; line-height: 1.5; }
.ctc-s1 .ctc-stat-num { color: var(--ctc-primary); }
.ctc-s2c .ctc-stat-num { color: var(--ctc-green); }
.ctc-s3c .ctc-stat-num { color: var(--ctc-orange); }

.ctc-benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.ctc-benefit-card { background: #fff; border: 1px solid #EEF0F5; border-radius: 16px; padding: 24px; transition: 200ms ease; text-align: left; }
.ctc-benefit-card:hover { border-color: var(--ctc-border-hover); }
.ctc-benefit-head { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; }
.ctc-benefit-card h3 { font-size: 18px; font-weight: 600; line-height: 1.3; color: var(--ctc-ink); }
.ctc-benefit-card p { font-size: 16px; font-weight: 400; color: var(--ctc-gray); line-height: 1.6; margin-top: 16px; text-align: left; }

/* ============ UNDERSTANDING ============ */
.ctc-s3-intro { margin-bottom: 25px; padding-right: 30px; }
.ctc-s3-intro h2 { font-size: 32px; font-weight: 700; color: var(--ctc-ink); line-height: 1.2; margin-bottom: 18px; }
.ctc-s3-intro p { font-size: 16px; font-weight: 400; color: var(--ctc-gray); line-height: 1.7; padding-bottom: 15px; }
.ctc-s3-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
.ctc-s3-card { background: #fff; border: 1px solid #EEF0F5; border-radius: 16px; padding: 20px 24px; }
.ctc-s3-card h3 { font-size: 18px; font-weight: 700; color: var(--ctc-ink); margin-bottom: 18px; }
.ctc-s3-wide { grid-column: 1 / -1; }
.ctc-dyk { background: #F5FAFF; border: 1px solid var(--ctc-border); }

.ctc-included-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 13px; }
.ctc-included-list li { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 500; color: var(--ctc-ink); }
.ctc-dyk-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 15px; }
.ctc-dyk-list li { display: grid; grid-template-columns: 18px 1fr; gap: 10px; align-items: start; font-size: 14px; font-weight: 400; color: var(--ctc-gray); line-height: 1.6; }
.ctc-radio-dot { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--ctc-primary); background: #fff; display: inline-block; position: relative; margin-top: 3px; }
.ctc-radio-dot::after { content: ''; position: absolute; width: 8px; height: 8px; border-radius: 50%; background: var(--ctc-primary); top: 3px; left: 3px; }
.ctc-why-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px 20px; list-style: none; padding: 0; margin: 0; }
.ctc-why-list li { display: flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 500; color: var(--ctc-ink); }

.ctc-cmp-h3 { font-size: 28px; font-weight: 700; color: var(--ctc-ink); text-align: left; margin-top: 40px; margin-bottom: 35px; }
.ctc-cmp-table { width: 100%; border-collapse: collapse; }
.ctc-cmp-table thead th { background: var(--ctc-primary); color: #fff; font-weight: 600; text-align: left; padding: 14px 16px; font-size: 14px; }
.ctc-cmp-table tbody td { padding: 12px 16px; font-size: 14px; font-weight: 500; color: var(--ctc-ink); border-top: 1px solid #EEF0F5; }
.ctc-cmp-table tbody tr:nth-child(odd) td { background: #FFFFFF; }
.ctc-cmp-table tbody tr:nth-child(even) td { background: #F9FAFC; }

/* ============ HOW IT WORKS ============ */
.ctc-steps-row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 0; margin: 40px 0 48px; position: relative; }
.ctc-step { display: flex; flex-direction: column; align-items: center; text-align: center; position: relative; padding: 0 8px; }
.ctc-step::after { content: ''; position: absolute; top: 24px; left: calc(50% + 28px); right: calc(-50% + 28px); border-top: 2px dashed #C7CCD6; z-index: 0; }
.ctc-step:last-child::after { display: none; }
.ctc-step-circle { width: 48px; height: 48px; border-radius: 50%; background: var(--ctc-primary); color: #fff; font-weight: 700; font-size: 20px; display: grid; place-items: center; box-shadow: 0 6px 18px rgba(0,122,255,0.2); position: relative; z-index: 1; }
.ctc-step-title { font-size: 16px; font-weight: 600; color: var(--ctc-ink); margin-top: 12px; }
.ctc-step-desc { font-size: 14px; font-weight: 400; color: var(--ctc-gray); margin-top: 4px; line-height: 1.5; max-width: 160px; }

/* Formula grid */
.ctc-formula-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 16px; }
.ctc-formula-card { background: #FFFFFF; border-radius: 14px; padding: 18px 20px; border: 1px solid var(--ctc-border); transition: 200ms ease; display: flex; align-items: center; gap: 14px; }
.ctc-formula-card:hover { border-color: var(--ctc-border-hover); }
.ctc-formula-icn { flex-shrink: 0; width: 44px; height: 44px; border-radius: 12px; background: var(--ctc-primary); color: #fff; display: grid; place-items: center; box-shadow: 0 4px 12px rgba(0,122,255,0.18); }
.ctc-formula-icn svg { width: 22px; height: 22px; }
.ctc-formula-body { flex: 1; min-width: 0; }
.ctc-formula-lbl { font-size: 11px; font-weight: 700; color: var(--ctc-primary); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 6px; display: block; }
.ctc-formula-card code { font-family: 'Instrument Sans'; font-size: 14px; font-weight: 500; color: var(--ctc-ink); line-height: 1.4; display: block; background: var(--ctc-soft); padding: 8px 12px; border-radius: 8px; border: 1px solid var(--ctc-border); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.ctc-formula-highlight { background: var(--ctc-primary); border-color: transparent; grid-column: 1 / -1; }
.ctc-formula-highlight .ctc-formula-icn { background: rgba(255,255,255,0.2); backdrop-filter: blur(8px); box-shadow: none; }
.ctc-formula-highlight .ctc-formula-lbl { color: rgba(255,255,255,0.9); background: none; }
.ctc-formula-highlight code { background: rgba(255,255,255,0.15); border-color: rgba(255,255,255,0.3); color: #fff; }

/* Worked example */
.ctc-example-card { margin-top: 32px; background: #fff; border-radius: 14px; overflow: hidden; border: 1px solid var(--ctc-border); }
.ctc-example-head { line-height: 40px; padding: 12px 18px; background: var(--ctc-primary); color: #fff; font-size: 16px; font-weight: 600; }
.ctc-example-body { padding: 16px 20px; }
.ctc-given-row { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 15px; }
.ctc-given-pill { background: #FFF6E0; border-radius: 6px; padding: 6px 12px; font-size: 13px; font-weight: 500; color: var(--ctc-orange-dark); }
.ctc-calc-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; }
.ctc-calc-row { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 12px; padding: 10px 12px; background: var(--ctc-surface); border-radius: 8px; border: 1px solid #F2F4F8; }
.ctc-cr-l { font-size: 13px; font-weight: 500; color: var(--ctc-gray); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.ctc-cr-r { font-size: 13px; font-weight: 700; color: var(--ctc-orange-dark); background: #fff; padding: 4px 10px; border-radius: 6px; border: 1px solid var(--ctc-border); white-space: nowrap; }
.ctc-calc-total { grid-column: 1 / -1; background: #FFEFC8; border-color: #FFD98F; }
.ctc-calc-total .ctc-cr-l { font-weight: 700; color: var(--ctc-ink); font-size: 14px; }
.ctc-calc-total .ctc-cr-r { background: var(--ctc-primary); color: #fff; border-color: transparent; font-size: 14px; }
.ctc-calc-summary { margin-top: 15px; padding: 12px 14px; background: var(--ctc-soft-blue); border-left: 4px solid var(--ctc-primary); border-radius: 8px; font-size: 15px; font-weight: 700; color: var(--ctc-ink); line-height: 1.4; }
.ctc-calc-footer { margin-top: 8px; font-size: 14px; font-weight: 500; color: var(--ctc-gray); text-align: right; }

/* ============ FAQ ============ */
.ctc-faq {
  column-count: 2; column-gap: 20px;
}
.ctc-faq-item {
  break-inside: avoid; -webkit-column-break-inside: avoid;
  display: block; width: 100%; margin: 0 0 16px;
  background: var(--ctc-card); border: 1px solid var(--ctc-border);
  border-radius: 14px; overflow: hidden;
  transition: border-color 0.2s var(--ctc-ease);
}
.ctc-faq-item:hover { border-color: var(--ctc-border-hover); }
.ctc-faq-item.ctc-faq-open { border-color: #CFE5FF; }
.ctc-faq-q {
  display: flex; align-items: center; gap: 16px; width: 100%;
  padding: 20px 22px; background: transparent; text-align: left;
  border: 0; cursor: pointer; font-family: inherit;
}
.ctc-faq-q h4 { flex: 1; font-size: 18px; font-weight: 600; color: var(--ctc-ink); line-height: 1.45; }
.ctc-faq-chev {
  width: 28px; height: 28px; flex: 0 0 28px; border-radius: 50%;
  background: var(--ctc-soft); color: var(--ctc-gray);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.25s var(--ctc-ease), background 0.2s var(--ctc-ease), color 0.2s var(--ctc-ease);
}
.ctc-faq-item.ctc-faq-open .ctc-faq-chev {
  transform: rotate(180deg); background: var(--ctc-soft-blue); color: var(--ctc-primary);
}
.ctc-faq-a {
  overflow: hidden; font-size: 14.5px; color: var(--ctc-gray); line-height: 1.65;
  max-height: 0; padding: 0 22px;
  transition: max-height 0.3s var(--ctc-ease), padding 0.25s var(--ctc-ease);
}
.ctc-faq-item.ctc-faq-open .ctc-faq-a { max-height: 600px; padding: 0 22px 20px 22px; }
.ctc-faq-a-inner { padding-top: 0; border-top: 1px solid var(--ctc-border-soft); }
.ctc-faq-item.ctc-faq-open .ctc-faq-a-inner { padding-top: 14px; }
.ctc-faq-a-inner p { font-size: 14.5px; color: var(--ctc-gray); line-height: 1.65; margin: 0; }

/* ============ RELATED CALCULATORS ============ */
.ctc-related-section { background: var(--ctc-bg); }
.ctc-related-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 40px; }
.ctc-related-grid.ctc-rel-single { grid-template-columns: minmax(0, 460px); justify-content: center; }
.ctc-related-card { background: #fff; border: 1px solid #EEF0F5; border-radius: 18px; padding: 24px; display: flex; flex-direction: column; gap: 10px; transition: border-color 0.2s var(--ctc-ease); }
.ctc-related-card:hover { border-color: var(--ctc-border-hover); }
.ctc-related-card h3 { font-size: 18px; font-weight: 700; color: var(--ctc-ink); margin: 0; }
.ctc-related-card p { font-size: 14px; font-weight: 400; color: var(--ctc-gray); line-height: 1.55; flex: 1; margin: 0; text-align: left; }
.ctc-related-btn {
  display: block !important; width: 100% !important; text-align: center !important;
  padding: 12px 16px !important; border: 1.5px solid var(--ctc-primary) !important;
  border-radius: 10px !important; background: var(--ctc-card) !important;
  color: var(--ctc-primary) !important; font-size: 14px !important; font-weight: 600 !important;
  margin-top: auto !important; transition: all 0.2s var(--ctc-ease) !important;
  text-decoration: none !important; cursor: pointer !important; font-family: inherit !important;
}
.ctc-related-btn:hover { background: var(--ctc-primary) !important; color: #fff !important; }

/* ============ CTA SECTION ============ */
.ctc-cta-card {
  background: var(--ctc-navy); border-radius: 24px; padding: 64px 48px;
  text-align: center; color: #fff; max-width: 1428px; margin: 0 auto;
}
.ctc-cta-label {
  display: inline-block; padding: 7px 14px; background: #fff; color: var(--ctc-navy);
  border-radius: 999px; font-size: 11px; font-weight: 700; letter-spacing: 0.08em; margin: 0 0 22px;
}
.ctc-cta-title { color: #fff !important; font-size: clamp(30px,3.2vw,40px); font-weight: 700; line-height: 1.15; margin: 0 0 16px; text-wrap: balance; letter-spacing: -0.01em; }
.ctc-cta-desc { color: rgba(255,255,255,0.72); font-size: 17px; line-height: 1.55; max-width: 640px; margin: 0 auto 32px; text-wrap: pretty; }
.ctc-cta-buttons { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }
.ctc-btn-cta-primary {
  display: inline-flex !important; align-items: center !important; justify-content: center !important;
  min-height: 46px !important; padding: 0 22px !important; border-radius: 10px !important;
  background: #fff !important; color: var(--ctc-primary) !important;
  font-size: 14px !important; font-weight: 600 !important; text-decoration: none !important;
  transition: all 0.2s var(--ctc-ease) !important; border: 1.5px solid transparent !important;
}
.ctc-btn-cta-primary:hover { background: #f3f6fb !important; }
.ctc-btn-cta-secondary {
  display: inline-flex !important; align-items: center !important; justify-content: center !important;
  min-height: 46px !important; padding: 0 22px !important; border-radius: 10px !important;
  background: transparent !important; color: #fff !important;
  border: 1.5px solid rgba(255,255,255,0.45) !important;
  font-size: 14px !important; font-weight: 600 !important; text-decoration: none !important;
  transition: all 0.2s var(--ctc-ease) !important;
}
.ctc-btn-cta-secondary:hover { background: rgba(255,255,255,0.08) !important; border-color: #fff !important; }
.ctc-cta-checks {
  display: flex; gap: 28px; justify-content: center; flex-wrap: wrap;
  color: rgba(255,255,255,0.72); font-size: 13px; font-weight: 500;
}
.ctc-cta-checks span { display: inline-flex; align-items: center; gap: 8px; }
.ctc-cta-checks b { color: var(--ctc-green); font-weight: 700; }

/* ============ TOAST ============ */
.ctc-toast {
  position: fixed; bottom: 30px; left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: var(--ctc-ink); color: #fff;
  padding: 12px 20px; border-radius: 999px;
  font-size: 14px; font-weight: 500;
  box-shadow: 0 12px 32px rgba(30,37,56,0.3);
  opacity: 0; transition: 300ms ease;
  z-index: 100; pointer-events: none;
}
.ctc-toast.ctc-visible { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ============ RESPONSIVE ============ */
@media (max-width: 1200px) {
  .ctc-calc-grid { grid-template-columns: 1fr; }
  .ctc-live { position: static; }
  .ctc-stat-num { font-size: 40px; }
  .ctc-benefit-grid { gap: 15px; margin-top: 30px; }
}
@media (max-width: 1024px) {
  .ctc-related-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 900px) {
  .ctc-benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .ctc-s3-grid { grid-template-columns: 1fr; }
  .ctc-why-list { grid-template-columns: repeat(2, 1fr); }
  .ctc-formula-grid { grid-template-columns: 1fr; gap: 15px; }
  .ctc-fm-steps { grid-template-columns: 1fr; gap: 14px; }
  .ctc-fm-arrow { transform: rotate(90deg); justify-self: center; }
  .ctc-fm-final { grid-template-columns: 1fr; }
  .ctc-meth-grid { grid-template-columns: 1fr 1fr; }
  .ctc-steps-row { grid-template-columns: 1fr; gap: 24px; }
  .ctc-step::after { display: none; }
  .ctc-step { flex-direction: row; align-items: center; text-align: left; gap: 16px; }
  .ctc-step-desc { max-width: none; }
  .ctc-related-grid { grid-template-columns: repeat(2, 1fr); }
  .ctc-faq { column-count: 1; }
  .ctc-calc-grid-2 { grid-template-columns: 1fr; }
  .ctc-stats-row { grid-template-columns: repeat(2, 1fr); }
  .ctc-s3-intro { margin-bottom: 15px; padding-right: 0; }
  .ctc-step-title { margin-top: 0; }
  .ctc-two-col { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .ctc-hero { padding: 64px 0 48px !important; }
  .ctc-hero-h1 { font-size: 38px !important; letter-spacing: -1px !important; }
  .ctc-donut-wrap { flex-direction: column; align-items: center; }
  .ctc-legend { width: 100%; }
  .ctc-benefit-grid { grid-template-columns: 1fr; }
  .ctc-related-grid { grid-template-columns: 1fr; }
  .ctc-cta-card { padding: 40px 24px; }
  .ctc-cta-title { font-size: 26px; }
  .ctc-why-list { grid-template-columns: 1fr; }
  .ctc-stats-row { grid-template-columns: 1fr; }
  .ctc-tbl-scroll { overflow-x: auto; }
  .ctc-tbl-scroll table { min-width: 680px; }
  .ctc-meth-grid { grid-template-columns: 1fr; }
  .ctc-fm-final { padding: 24px; }
  .ctc-meth-block { padding: 24px; }
  .ctc-acc-head, .ctc-acc-body, .ctc-acc-open .ctc-acc-body { padding-left: 20px !important; padding-right: 20px !important; }
  .ctc-live-card { padding: 22px; }
  .ctc-panel-head { padding: 20px; }
  .ctc-cta-buttons { flex-direction: column; align-items: stretch; width: 100%; }
  .ctc-cta-buttons a { width: 100%; }
  .ctc-cta-checks { flex-direction: column; gap: 12px; }
}
@media (max-width: 480px) {
  .ctc-chip { min-height: 44px !important; padding: 10px 16px !important; }
  .ctc-acc-head { min-height: 64px !important; }
  .ctc-range-row { flex-direction: column !important; align-items: stretch !important; gap: 10px !important; }
  .ctc-range-num { width: 100% !important; }
  .ctc-hero-eyebrow { font-size: 12px !important; padding: 7px 14px !important; }
}