/* ==========================================================================
   TDS Calculator — Scoped CSS
   Prefix: .tds-
   ========================================================================== */

/* ---------- CSS Variables ---------- */
.tds-wrap {
  --tds-primary: #007AFF;
  --tds-primary-dark: #0066D6;
  --tds-orange: #FFA709;
  --tds-orange-dark: #E0900A;
  --tds-green: #60B158;
  --tds-pink: #FF6961;
  --tds-ink: #1E2538;
  --tds-gray: #515869;
  --tds-gray2: #8F95A6;
  --tds-bg: #FAFBFC;
  --tds-card: #FFFFFF;
  --tds-border: #E5E8EE;
  --tds-border-hover: #D5DAE3;
  --tds-soft: #F4F6FA;
  --tds-soft-blue: #E6F2FF;
  --tds-surface: #F8FAFB;
  font-family: 'Instrument Sans', system-ui, -apple-system, sans-serif !important;
  color: var(--tds-ink);
  line-height: 1.5;
}

.tds-wrap h1, .tds-wrap h2, .tds-wrap h3, .tds-wrap h4, .tds-wrap h5, .tds-wrap h6 { color: var(--tds-ink); }

/* ---------- 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 ---------- */
.tds-s-center { text-align: center; }

/* ============ HERO ============ */
.tds-hero {
  display: block !important;
  visibility: visible !important;
  opacity: 1 !important;
  height: auto !important;
  background: var(--tds-bg) !important;
  padding: 64px 0 80px !important;
}
.tds-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
}

.tds-badge-pill {
  display: inline-flex !important;
  align-items: center !important;
  gap: 10px !important;
  background: #FFFFFF !important;
  color: var(--tds-ink) !important;
  font-weight: 600 !important;
  font-size: 14px !important;
  padding: 8px 18px !important;
  border-radius: 999px !important;
  border: 1px solid var(--tds-border) !important;
  box-shadow: 0 1px 2px rgba(30,37,56,0.04) !important;
}
.tds-badge-pill::before,
.tds-badge-pill::after {
  content: '' !important;
  width: 6px !important;
  height: 6px !important;
  border-radius: 50% !important;
  background: var(--tds-primary) !important;
  display: inline-block !important;
}

.tds-hero-title {
  font-size: 48px !important;
  font-weight: 700 !important;
  line-height: 1.2 !important;
  margin: 20px auto 12px !important;
  max-width: 992px !important;
  color: var(--tds-ink) !important;
}
.tds-hero-title .accent {
  color: var(--tds-primary) !important;
}

.tds-hero-sub {
  font-size: 18px !important;
  color: var(--tds-gray) !important;
  line-height: 1.6 !important;
  max-width: 882px !important;
  margin: 0 auto !important;
}

.tds-trust-row {
  display: flex !important;
  justify-content: center !important;
  flex-wrap: wrap !important;
  gap: 10px !important;
  margin: 28px auto 0 !important;
}
.tds-trust-pill {
  background: #fff !important;
  border: 1px solid var(--tds-border) !important;
  border-radius: 999px !important;
  padding: 8px 16px !important;
  font-size: 13px !important;
  font-weight: 500 !important;
  color: var(--tds-gray) !important;
  box-shadow: 0 2px 10px rgba(30,37,56,0.04) !important;
}

/* ============ CALC GRID ============ */
.tds-calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: 24px;
  margin-top: 40px;
  align-items: start;
}

.tds-card {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(30,37,56,0.06);
  position: relative;
  overflow: hidden;
}
.tds-gradient-top::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--tds-primary);
}
.tds-input-card { padding: 28px 24px 24px; }

/* ============ ACCORDION ============ */
.tds-accordion { border-top: 1px solid #F2F4F8; }
.tds-accordion:first-of-type { border-top: none; margin-top: 4px; }

.tds-acc-head {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  cursor: pointer;
  padding: 16px 0;
}
.tds-acc-head h3 {
  font-size: 14px !important;
  font-weight: 600 !important;
  color: var(--tds-ink) !important;
  text-transform: uppercase !important;
}
.tds-chev {
  width: 24px; height: 24px;
  display: grid; place-items: center;
  border-radius: 6px;
  background: var(--tds-soft-blue);
  color: var(--tds-primary);
  transition: transform 200ms ease;
}
.tds-acc-head[aria-expanded="true"] .tds-chev { transform: rotate(180deg); }

.tds-acc-body {
  overflow: hidden;
  max-height: 0;
  transition: max-height 350ms ease;
}
.tds-acc-body-inner {
  padding: 4px 0 18px;
  display: grid;
  gap: 16px;
}

/* ============ FORM FIELDS ============ */
.tds-field { display: flex; flex-direction: column; gap: 6px; }
.tds-field label {
  font-size: 12px !important;
  font-weight: 500 !important;
  color: var(--tds-gray) !important;
  text-transform: uppercase !important;
}

.tds-input,
.tds-select {
  width: 100% !important;
  background: var(--tds-surface) !important;
  border: 1px solid var(--tds-border) !important;
  border-radius: 10px !important;
  padding: 11px 14px !important;
  font-size: 14px !important;
  font-weight: 500 !important;
  color: var(--tds-ink) !important;
  transition: 200ms ease !important;
  outline: none !important;
  appearance: none !important;
}
.tds-select {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23515869' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>") !important;
  background-repeat: no-repeat !important;
  background-position: right 14px center !important;
  padding-right: 40px !important;
  cursor: pointer !important;
}
.tds-input:focus,
.tds-select:focus {
  background: #fff !important;
  border-color: var(--tds-primary) !important;
  box-shadow: 0 0 0 3px rgba(0,122,255,0.15) !important;
}
.tds-input-sm { max-width: 70px !important; }
.tds-select-sm { max-width: 140px !important; }
.tds-flex1 { flex: 1; }

.tds-field-hint {
  font-size: 12px;
  font-weight: 500;
  color: var(--tds-gray2);
  margin-top: 6px;
}

.tds-input-prefix {
  position: relative;
  display: flex;
  align-items: center;
}
.tds-pfx {
  position: absolute;
  left: 14px;
  color: var(--tds-gray);
  font-weight: 600;
  font-size: 14px;
  pointer-events: none;
}
.tds-input-prefix .tds-input { padding-left: 28px !important; }

/* Radio group */
.tds-radio-group {
  display: flex !important;
  gap: 8px !important;
  flex-wrap: wrap !important;
}
.tds-radio-group label {
  display: inline-flex !important;
  align-items: center !important;
  gap: 8px !important;
  background: var(--tds-surface) !important;
  border: 1px solid var(--tds-border) !important;
  padding: 9px 14px !important;
  border-radius: 10px !important;
  font-size: 13px !important;
  font-weight: 500 !important;
  color: var(--tds-ink) !important;
  cursor: pointer !important;
  transition: 200ms ease !important;
  flex: 1 !important;
  justify-content: center !important;
  min-width: 0 !important;
  text-transform: none !important;
}
.tds-radio-group label:has(input:checked) {
  background: var(--tds-soft-blue) !important;
  border-color: var(--tds-primary) !important;
  color: var(--tds-primary) !important;
}

.tds-styled-radio {
  appearance: none !important;
  -webkit-appearance: none !important;
  width: 18px !important;
  height: 18px !important;
  border-radius: 50% !important;
  border: 2px solid var(--tds-primary) !important;
  background: #fff !important;
  cursor: pointer !important;
  position: relative !important;
  flex-shrink: 0 !important;
  vertical-align: middle !important;
  margin: 0 !important;
}
.tds-styled-radio:checked {
  background: #fff !important;
  border-color: var(--tds-primary) !important;
}
.tds-styled-radio:checked::after {
  content: '' !important;
  position: absolute !important;
  width: 8px !important;
  height: 8px !important;
  border-radius: 50% !important;
  background: var(--tds-primary) !important;
  top: 3px !important;
  left: 3px !important;
}

/* Slider */
.tds-range-row {
  display: flex;
  align-items: center;
  gap: 12px;
}
.tds-range-row input[type="range"] {
  flex: 1 !important;
  -webkit-appearance: none !important;
  appearance: none !important;
  height: 6px !important;
  background: linear-gradient(90deg, var(--tds-primary) var(--p,50%), var(--tds-border) var(--p,50%)) !important;
  border-radius: 999px !important;
  outline: none !important;
}
.tds-range-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none !important;
  appearance: none !important;
  width: 18px !important;
  height: 18px !important;
  border-radius: 50% !important;
  background: #fff !important;
  border: 3px solid var(--tds-primary) !important;
  cursor: pointer !important;
  box-shadow: 0 2px 8px rgba(0,122,255,0.25) !important;
}
.tds-range-row input[type="range"]::-moz-range-thumb {
  width: 18px !important;
  height: 18px !important;
  border-radius: 50% !important;
  background: #fff !important;
  border: 3px solid var(--tds-primary) !important;
  cursor: pointer !important;
}
.tds-range-val {
  font-size: 13px;
  font-weight: 600;
  color: var(--tds-orange-dark);
  min-width: 42px;
  text-align: right;
}
.tds-basic-live { font-size: 13px; font-weight: 500; color: var(--tds-gray); }

/* Toggle switch */
.tds-toggle-row {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  padding: 10px 12px !important;
  background: var(--tds-surface) !important;
  border-radius: 10px !important;
  border: 1px solid #EEF0F5 !important;
}
.tds-tg-left { display: flex; flex-direction: column; gap: 0; }
.tds-tg-label { font-size: 14px !important; font-weight: 500 !important; color: var(--tds-ink) !important; }
.tds-tg-meta { font-size: 12px; font-weight: 500; color: var(--tds-gray); margin-top: 2px; }
.tds-auto-label { font-size: 12px; color: var(--tds-gray2); font-weight: 500; }

.tds-switch {
  position: relative !important;
  width: 38px !important;
  height: 22px !important;
  flex-shrink: 0 !important;
  display: inline-block !important;
}
.tds-switch input {
  opacity: 0 !important;
  width: 0 !important;
  height: 0 !important;
  position: absolute !important;
}
.tds-switch .tds-slider {
  position: absolute !important;
  inset: 0 !important;
  background: #C7CCD6 !important;
  border-radius: 999px !important;
  transition: 200ms ease !important;
  cursor: pointer !important;
}
.tds-switch .tds-slider::before {
  content: '' !important;
  position: absolute !important;
  width: 16px !important;
  height: 16px !important;
  left: 3px !important;
  top: 3px !important;
  background: #fff !important;
  border-radius: 50% !important;
  transition: 200ms ease !important;
  box-shadow: 0 1px 3px rgba(0,0,0,0.1) !important;
}
.tds-switch input:checked + .tds-slider {
  background: var(--tds-primary) !important;
}
.tds-switch input:checked + .tds-slider::before {
  transform: translateX(16px) !important;
}
.tds-switch input:disabled + .tds-slider {
  opacity: 0.55 !important;
  cursor: not-allowed !important;
}

/* Styled checkbox */
.tds-styled-check {
  appearance: none !important;
  -webkit-appearance: none !important;
  width: 18px !important;
  height: 18px !important;
  border-radius: 5px !important;
  border: 2px solid var(--tds-primary) !important;
  background: #fff !important;
  cursor: pointer !important;
  position: relative !important;
  flex-shrink: 0 !important;
  vertical-align: middle !important;
  margin: 0 !important;
}
.tds-styled-check:checked {
  background: var(--tds-primary) !important;
  border-color: var(--tds-primary) !important;
}
.tds-styled-check:checked::after {
  content: '' !important;
  position: absolute !important;
  left: 4px !important;
  top: 1px !important;
  width: 6px !important;
  height: 10px !important;
  border: 2px solid white !important;
  border-top: none !important;
  border-left: none !important;
  transform: rotate(45deg) !important;
}

/* Callout box (PAN warning) */
.tds-callout {
  padding: 14px 16px;
  background: var(--tds-soft-blue);
  border-left: 4px solid var(--tds-primary);
  border-radius: 8px;
  margin-top: 12px;
  font-size: 13px;
  font-weight: 500;
  color: var(--tds-ink);
  line-height: 1.5;
}
.tds-callout strong {
  font-weight: 700;
  color: var(--tds-primary);
}

/* Buttons */
.tds-btn-row {
  display: flex !important;
  flex-wrap: wrap !important;
  gap: 10px !important;
  margin-top: 22px !important;
  padding-top: 20px !important;
  border-top: 1px solid #F2F4F8 !important;
}
.tds-btn {
  padding: 12px 18px !important;
  border-radius: 10px !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 8px !important;
  transition: 200ms ease !important;
  cursor: pointer !important;
  border: none !important;
}
.tds-btn-primary {
  background: var(--tds-primary) !important;
  color: #fff !important;
  box-shadow: 0 4px 16px rgba(0,122,255,0.2) !important;
  flex: 1 !important;
}
.tds-btn-primary:hover { background: var(--tds-primary-dark) !important; }
.tds-btn-ghost {
  background: var(--tds-surface) !important;
  color: var(--tds-primary) !important;
  border: 1px solid var(--tds-border) !important;
}
.tds-btn-ghost:hover {
  background: var(--tds-soft-blue) !important;
  border-color: var(--tds-primary) !important;
}

.tds-hint-line {
    font-size: 14px;
    font-weight: 500;
    color: #515869;
    margin-top: 15px;
    text-align: center;
}

/* ============ RESULT PANEL ============ */
.tds-result-card { padding: 0; }

.tds-result-banner {
  background: var(--tds-primary) !important;
  color: #fff !important;
  padding: 24px 28px !important;
  position: relative !important;
}
.tds-result-lbl { font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.8); }
.tds-result-amount { font-size: 36px; font-weight: 700; line-height: 1.1; margin-top: 6px; }
.tds-sub-row {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 12px;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
}
.tds-thresh-badge {
  position: absolute;
  top: 24px; right: 24px;
  background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.3);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  color: #fff;
  backdrop-filter: blur(8px);
  white-space: nowrap;
}
.tds-thresh-badge.tds-thresh-above { background: rgba(96,177,88,0.95); border-color: transparent; color: #fff; }
.tds-thresh-badge.tds-thresh-below { background: rgba(245,158,11,0.95); border-color: transparent; color: #fff; }
/* Threshold badge inside breakdown table */
.tds-bd-table .tds-thresh-badge {
  position: static;
  display: inline-block;
  font-size: 11px;
  padding: 4px 10px;
}

.tds-result-body { padding: 24px 28px 28px; }

/* SVG Donut (200x200, R=78, stroke 22) */
.tds-donut-wrap {
  display: grid;
  grid-template-columns: minmax(0, 200px) minmax(0, 1fr);
  gap: 28px;
  align-items: center;
}
.tds-donut { position: relative; width: 200px; height: 200px; }
.tds-donut svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.tds-donut circle {
  fill: none;
  stroke-width: 22;
}
.tds-donut-bg {
  stroke: var(--tds-border);
}
.tds-donut-seg {
  stroke-linecap: round;
  transition: stroke-dashoffset 600ms ease, opacity 200ms ease;
}
.tds-donut-center {
  position: absolute;
  width: 96px; height: 96px;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  display: grid; place-items: center; text-align: center;
  pointer-events: none;
}
.tds-dc-lbl { font-size: 11px; font-weight: 500; color: var(--tds-gray2); text-transform: uppercase; }
.tds-dc-val { font-size: 22px; font-weight: 700; color: var(--tds-ink); margin-top: 2px; }

.tds-tooltip {
  position: absolute; pointer-events: none;
  background: var(--tds-ink); color: #fff;
  padding: 8px 12px; border-radius: 8px;
  font-size: 12px; font-weight: 500;
  transform: translate(-50%, -110%);
  opacity: 0; transition: opacity 150ms ease;
  white-space: nowrap;
  box-shadow: 0 8px 24px rgba(30,37,56,0.25);
  z-index: 5;
}
.tds-tooltip.tds-visible { opacity: 1; }

/* Legend */
.tds-legend { display: flex; flex-direction: column; gap: 6px; flex: 1; min-width: 0; }
.tds-legend-row {
  display: grid;
  grid-template-columns: 12px 1fr auto;
  align-items: center;
  gap: 10px;
  font-size: 13px; font-weight: 500;
  padding: 8px 0;
  border-bottom: 1px solid #EEF0F5;
}
.tds-legend-row:last-child { border-bottom: none; }
.tds-legend-swatch { width: 12px; height: 12px; border-radius: 3px; }
.tds-legend-label { color: var(--tds-gray); font-weight: 500; }
.tds-legend-val { color: var(--tds-ink); font-weight: 600; font-size: 13px; font-variant-numeric: tabular-nums; }

/* Breakdown table */
.tds-breakdown { margin-top: 28px; }
.tds-breakdown h4 {
  font-size: 13px; font-weight: 600;
  color: var(--tds-orange-dark);
  text-transform: uppercase;
  margin-bottom: 8px;
  margin-top: 18px;
}
.tds-breakdown h4:first-child { margin-top: 0; }

.tds-bd-table { width: 100%; border-collapse: collapse; }
.tds-bd-table th,
.tds-bd-table td {
  padding: 10px 16px;
  font-size: 13px;
  border-bottom: 1px solid #F2F4F8;
}
.tds-bd-table th {
  font-weight: 600; color: var(--tds-gray);
  text-align: right;
  font-size: 11px; text-transform: uppercase;
}
.tds-bd-table th:first-child { text-align: left; }
.tds-bd-table td { font-weight: 500; color: var(--tds-ink); text-align: right; }
.tds-bd-table td:first-child { text-align: left; color: var(--tds-gray); }
.tds-bd-table tr:nth-child(even) td { background: #FFFBF0; }

/* Formula strip (result panel) */
.tds-formula-strip {
  margin-top: 20px;
  padding: 14px 18px;
  background: var(--tds-soft);
  border: 1px solid var(--tds-border);
  border-radius: 10px;
}
.tds-formula-strip-icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 8px;
  background: var(--tds-primary);
  color: #fff;
  display: grid; place-items: center;
}
.tds-formula-strip-icon svg { width: 16px; height: 16px; }
.tds-formula-strip code {
  font-size: 13px;
  font-weight: 600;
  color: var(--tds-ink);
  line-height: 1.4;
}
.tds-formula-line {
  font-size: 13px;
  font-weight: 500;
  color: var(--tds-gray);
  line-height: 1.6;
}
.tds-formula-line strong { color: var(--tds-primary); font-weight: 700; }
.tds-formula-line + .tds-formula-line { margin-top: 4px; }

/* Warning strip (result panel) */
.tds-warning-strip {
  margin-top: 16px;
  padding: 12px 16px;
  background: #FFF6E0;
  border: 1px solid var(--tds-orange);
  border-radius: 10px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.tds-warning-strip-icon {
  flex-shrink: 0;
  width: 20px; height: 20px;
  color: var(--tds-orange-dark);
  margin-top: 1px;
}
.tds-warning-strip-text {
  font-size: 13px;
  font-weight: 500;
  color: var(--tds-orange-dark);
  line-height: 1.5;
}

/* ============ SHARED SECTION STYLES ============ */
.tds-s-h2 {
  font-size: 32px; font-weight: 700; color: var(--tds-ink);
  line-height: 1.2;
  margin-bottom: 16px;
}
.tds-s-intro {
  font-size: 16px; font-weight: 500; color: var(--tds-gray);
  line-height: 1.6; max-width: 620px;
  margin-bottom: 32px;
}
.tds-s-center .tds-s-intro,
.tds-s-intro.tds-s-center { margin-left: auto; margin-right: auto; }

/* Shared checkbox SVG icon */
.tds-chk-svg {
  width: 20px; height: 20px; flex-shrink: 0;
  color: var(--tds-primary);
}
.tds-benefit-card .tds-chk-svg {
  width: 35px; height: 32px; flex-shrink: 0;
  color: var(--tds-primary);
}
.tds-chk-green { color: var(--tds-green); }
.tds-chk-red { color: var(--tds-pink); }

/* ============ DYNAMIC STAT CARDS (JS-driven) ============ */
.tds-stats-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.tds-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);
}
.tds-stat-num {
  font-size: 48px; font-weight: 700; line-height: 1;
  font-variant-numeric: tabular-nums;
}
.tds-stat-lbl {
    font-size: 18px;
    font-weight: 700;
    color: var(--tds-ink);
    margin-top: 20px;
    margin-bottom: 15px;
}
.tds-stat-desc { font-size: 16px; font-weight: 500; color: var(--tds-gray); margin-top: 4px; line-height: 1.5; }
.tds-s1 .tds-stat-num { color: var(--tds-primary); }
.tds-s2c .tds-stat-num { color: var(--tds-green); }
.tds-s3c .tds-stat-num { color: var(--tds-orange); }

/* ============ EYEBROW + TOP TITLE (design pattern) ============ */
.tds-eyebrow {
  font-size: 14px; font-weight: 700;
  color: var(--tds-primary);
  text-transform: uppercase;
  margin-bottom: 14px;
}
.tds-top-title { margin: 0 0 40px; }
.tds-top-title h2 {
  font-size: 32px; line-height: 1.1;
  font-weight: 700; margin: 0 0 14px; color: var(--tds-ink);
}
.tds-sub-title-heading {
  color: var(--tds-gray); font-size: 17px; max-width: 680px;
  margin: 0; line-height: 1.55;
}
.tds-s-center .tds-top-title { text-align: center; }
.tds-s-center .tds-sub-title-heading { margin-left: auto; margin-right: auto; }

/* ============ SECTION 2 — WHY THIS CALCULATOR / BENEFITS ============ */
.tds-s2 { background: #FFFFFF; }

.tds-benefit-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
  margin-top: 40px;
}
.tds-benefit-card {
  background: #fff; border: 1px solid #EEF0F5;
  border-radius: 16px; padding: 24px;
  transition: 200ms ease; text-align: left;
}
.tds-benefit-card:hover { border-color: var(--tds-border-hover); }
.tds-benefit-head {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 8px;
}
.tds-benefit-card h3 {
  font-size: 18px; font-weight: 600; line-height: 1.3; color: var(--tds-ink);
}
.tds-benefit-card p {
  font-size: 16px; font-weight: 500; color: var(--tds-gray);
  line-height: 1.6; margin-top: 16px; text-align: left;
}
.tds-s2-close {
  text-align: center; max-width: 640px;
  font-size: 16px; font-weight: 500; color: var(--tds-gray);
  margin: 24px auto 0; line-height: 1.6;
}

/* ============ UNDERSTANDING TDS (2-col design) ============ */
.tds-s3-intro { margin-bottom: 25px; padding-right: 30px; }
.tds-s3-intro h2 {
  font-size: 32px; font-weight: 700; color: var(--tds-ink);
  line-height: 1.2; margin-bottom: 12px;
}
.tds-s3-intro p,
.tds-s3-intro div p {
  font-size: 16px; font-weight: 500; color: var(--tds-gray); line-height: 1.7;
}

/* 2-column grid: left checklist, right DYK+penalties */
.tds-und-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 32px;
  align-items: start;
}
.tds-und-body p {
  font-size: 16px; color: var(--tds-gray); line-height: 1.65;
  margin: 0 0 16px;
}
.tds-und-body p strong { color: var(--tds-ink); }

/* Checklist items */
.tds-checklist {
  margin-top: 24px;
  display: flex; flex-direction: column; gap: 14px;
}
.tds-check-row {
  display: flex; gap: 14px; align-items: flex-start;
}
.tds-check-icon {
  flex-shrink: 0;
  width: 32px; height: 32px; border-radius: 9px;
  background: var(--tds-primary); color: #fff;
  display: grid; place-items: center;
}
.tds-check-icon .tds-chk-svg { width: 16px; height: 16px; color: #fff; }
.tds-ct-title { font-weight: 600; font-size: 16px; color: var(--tds-ink); margin-bottom: 2px; }
.tds-ct-desc { font-size: 14px; color: var(--tds-gray); line-height: 1.5; }

/* Right side stack */
.tds-und-side { display: flex; flex-direction: column; gap: 16px; }

/* DYK card */
.tds-did-card {
  background: #F5FAFF; border: 1px solid var(--tds-border);
  border-radius: 16px; padding: 24px;
}
.tds-did-eyebrow {
  font-size: 11px; font-weight: 700; color: var(--tds-primary);
  text-transform: uppercase;
  margin-bottom: 10px;
  display: flex; align-items: center; gap: 8px;
}
.tds-did-eyebrow span {
  width: 18px; height: 2px; background: var(--tds-primary);
  border-radius: 2px; display: inline-block;
}
.tds-did-card h4 {
  margin: 0 0 12px; font-size: 20px; font-weight: 700;
  color: var(--tds-ink);
}
.tds-did-list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 10px;
}
.tds-did-list li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 14px; color: var(--tds-gray); line-height: 1.55;
}
.tds-did-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--tds-primary); margin-top: 7px; flex-shrink: 0;
}
.tds-did-list li strong { color: var(--tds-ink); font-weight: 700; }

/* Penalties card */
.tds-penalty-card {
  background: #fff; border: 1px solid var(--tds-border);
  border-radius: 16px; padding: 18px 22px;
}
.tds-pc-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid #EEF0F5;
  font-size: 14px;
}
.tds-pc-row:last-child { border-bottom: none; }
.tds-pc-k { color: var(--tds-gray); }
.tds-pc-v { font-weight: 600; color: var(--tds-ink); font-variant-numeric: tabular-nums; }
.tds-pc-danger { color: var(--tds-pink) !important; }

/* Comparison tables */
.tds-cmp-h3 {
  font-size: 22px; font-weight: 700; color: var(--tds-ink);
  text-align: left; margin-top: 32px; margin-bottom: 20px;
}
.tds-tbl-wrap {
  background: #fff; border-radius: 16px; overflow: hidden;
  border: 1px solid var(--tds-border);
  box-shadow: 0 2px 12px rgba(30,37,56,0.06);
}
.tds-tbl-wrap + .tds-cmp-h3 { margin-top: 32px; }
.tds-tbl-scroll { overflow-x: auto; }
.tds-tbl-scroll .tds-cmp-table { min-width: 640px; }
.tds-cmp-table { width: 100%; border-collapse: collapse; }
.tds-cmp-table thead th {
  background: var(--tds-primary);
  color: #fff; font-weight: 600; text-align: left;
  padding: 14px 20px; font-size: 14px;
}
.tds-cmp-table tbody td {
  padding: 14px 20px;
  font-size: 14px; font-weight: 500; color: var(--tds-ink);
  border-top: 1px solid #F2F4F8;
}
.tds-cmp-table tbody tr:nth-child(odd) td { background: #FFFFFF; }
.tds-cmp-table tbody tr:nth-child(even) td { background: #FAFBFC; }
.tds-yn { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 500; }
.tds-yes { color: var(--tds-orange-dark); }
.tds-no { color: var(--tds-pink); }

/* Orange filled checkbox (Yes) */
.tds-check-orange {
  border-color: var(--tds-orange) !important;
}
.tds-check-orange:checked {
  background: var(--tds-orange) !important;
  border-color: var(--tds-orange) !important;
}

/* Red empty checkbox (Often Excluded) */
.tds-check-red {
  border-color: var(--tds-pink) !important;
  background: #fff !important;
}
.tds-check-red:checked {
  background: var(--tds-pink) !important;
  border-color: var(--tds-pink) !important;
}

/* ============ SECTION 4 — HOW CALCULATION WORKS ============ */
.tds-s4 { background: var(--tds-bg); }

.tds-steps-row {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 0;
  margin: 40px 0 48px; position: relative;
}
.tds-step {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  position: relative; padding: 0 8px;
}
.tds-step::after {
  content: ''; position: absolute;
  top: 24px; left: calc(50% + 28px); right: calc(-50% + 28px);
  border-top: 2px dashed #C7CCD6; z-index: 0;
}
.tds-step:last-child::after { display: none; }
.tds-step-circle {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--tds-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;
}
.tds-step-title { font-size: 16px; font-weight: 600; color: var(--tds-ink); margin-top: 12px; }
.tds-step-desc { font-size: 14px; font-weight: 500; color: var(--tds-gray); margin-top: 4px; line-height: 1.5; max-width: 160px; }

/* Formula grid */
.tds-formula-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px;
  margin-top: 16px;
}
.tds-formula-card {
  background: #FFFFFF; border-radius: 14px;
  padding: 18px 20px; border: 1px solid var(--tds-border);
  transition: 200ms ease;
  display: flex; align-items: center; gap: 14px;
}
.tds-formula-card:hover { border-color: var(--tds-border-hover); }
.tds-formula-icn {
  flex-shrink: 0; width: 44px; height: 44px;
  border-radius: 12px; background: var(--tds-primary);
  color: #fff; display: grid; place-items: center;
  box-shadow: 0 4px 12px rgba(0,122,255,0.18);
}
.tds-formula-icn svg { width: 22px; height: 22px; }
.tds-formula-body { flex: 1; min-width: 0; }
.tds-formula-lbl {
  font-size: 14px; font-weight: 700;
  color: var(--tds-primary);
  text-transform: uppercase; margin-bottom: 6px;
  display: block;
}
.tds-formula-card code {
  font-size: 14px; font-weight: 500; color: var(--tds-ink);
  line-height: 1.4; display: block;
  background: var(--tds-soft); padding: 6px 10px; border-radius: 8px;
  border: 1px solid var(--tds-border);
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.tds-formula-highlight {
  background: var(--tds-primary); border-color: transparent;
  grid-column: 1 / -1;
}
.tds-formula-highlight .tds-formula-icn {
  background: rgba(255,255,255,0.2); backdrop-filter: blur(8px); box-shadow: none;
}
.tds-formula-highlight code {
  background: rgba(255,255,255,0.15); border-color: rgba(255,255,255,0.3); color: #fff;
}

/* Worked example */
.tds-example-card {
  margin-top: 32px; background: #fff; border-radius: 14px;
  overflow: hidden; border: 1px solid var(--tds-border);
}
.tds-example-head {
  height: 40px; line-height: 40px; padding: 0 24px;
  background: var(--tds-primary); color: #fff;
  font-size: 16px; font-weight: 600;
}
.tds-given-row { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 10px; }
.tds-given-pill {
  background: #FFF6E0; border-radius: 6px; padding: 6px 12px;
  font-size: 13px; font-weight: 500; color: #1e2538;
}
.tds-calc-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; }
.tds-calc-row {
  display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 12px;
  padding: 10px 12px; background: var(--tds-surface); border-radius: 8px;
  border: 1px solid #F2F4F8;
}
.tds-cr-l {
  font-size: 13px; font-weight: 500; color: var(--tds-gray);
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.tds-cr-r {
  font-size: 13px; font-weight: 700; color:#1e2538;
  background: #fff; padding: 4px 10px; border-radius: 6px;
  border: 1px solid var(--tds-border); white-space: nowrap;
}
.tds-calc-total {
  grid-column: 1 / -1; background: #FFEFC8; border-color: #FFD98F;
}
.tds-calc-total .tds-cr-l { font-weight: 700; color: var(--tds-ink); font-size: 14px; }
.tds-calc-total .tds-cr-r {
  background: var(--tds-primary); color: #fff; border-color: transparent; font-size: 14px;
}
.tds-calc-summary {
  margin-top: 15px; padding: 12px 14px;
  background: var(--tds-soft-blue); border-left: 4px solid var(--tds-primary);
  border-radius: 8px; font-size: 15px; font-weight: 700; color: var(--tds-ink); line-height: 1.4;
}
.tds-calc-footer {
    margin-top: 10px;
    font-size: 14px;
    font-weight: 600;
    color: var(--tds-gray);
    text-align: right;
    padding-bottom: 15px;
    padding-right: 10px;
}

/* ============ FAQ ============ */
.tds-faq-section { background: #fff; }
.tds-faq-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  margin-top: 40px;
}
.tds-faq-col { display: grid; gap: 12px; align-content: start; }
.tds-faq-item {
  background: #fff; border: 1px solid var(--tds-border);
  border-radius: 12px; overflow: hidden;
  transition: 200ms ease;
}
.tds-faq-q {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px;
  padding: 16px;
  cursor: pointer;
  border-left: 4px solid transparent;
  transition: 200ms ease;
}
.tds-q-text {
  font-size: 18px; font-weight: 600; color: var(--tds-ink);
  text-align: left;
}
.tds-q-chev {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 8px;
  background: var(--tds-soft-blue);
  color: var(--tds-primary);
  display: grid; place-items: center;
  transition: transform 250ms ease;
}
.tds-faq-item.tds-open .tds-faq-q {
  border-left-color: var(--tds-primary);
  background: var(--tds-soft-blue);
  margin-bottom: 15px;
}
.tds-faq-item.tds-open .tds-q-chev {
  transform: rotate(180deg);
  background: #fff;
}
.tds-faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 350ms ease;
}
.tds-faq-a-inner {
  padding: 0 16px 16px 16px;
  font-size: 14px; font-weight: 500; color: var(--tds-gray); line-height: 1.7;
}

/* ============ RELATED CALCULATORS ============ */
.tds-related-section { background: var(--tds-bg); }
.tds-related-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
  margin-top: 40px;
}
.tds-related-card {
  background: #fff; border: 1px solid #EEF0F5;
  border-radius: 16px; padding: 20px;
  display: flex; flex-direction: column;
  transition: 200ms ease;
}
.tds-related-card:hover { border-color: var(--tds-border-hover); }
.tds-related-head-row {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 8px;
}

.tds-related-card h3 {
  font-size: 18px; font-weight: 700; color: var(--tds-ink);
  margin: 0;padding-bottom: 12px;
}
.tds-related-card p {
  font-size: 14px; font-weight: 500; color: var(--tds-gray);
  line-height: 1.6; text-align: left; flex: 1;
  margin-top: 0;
}
.tds-related-btn {
  margin-top: 14px;
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--tds-primary) !important;
  border-radius: 10px !important;
  background: #fff !important;
  color: var(--tds-primary) !important;
  font-weight: 600 !important;
  font-size: 13px !important;
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 6px !important;
  transition: 200ms ease !important;
  text-decoration: none !important;
  cursor: pointer !important;
}
.tds-related-btn:hover {
  background: var(--tds-primary) !important;
  color: #fff !important;
  border-color: var(--tds-primary) !important;
}

/* ============ CTA SECTION ============ */
.tds-cta-card {
  background: #1E2538;
  border-radius: 20px;
  padding: 48px 40px;
  text-align: center;
  color: #fff;
  max-width: 1160px;
  margin: 0 auto;
}
.tds-cta-label {
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  color: #1E2538;
  max-width: max-content;
  margin: 0 auto 20px;
  padding: 5px 15px;
  border-radius: 30px;
  line-height: 19px;
  background: #eaf2fb;
  border: 1px solid #D0D5DDDD;
  display: flex;
}
.tds-cta-title {
  font-size: 32px; font-weight: 700; color: #fff !important;
  line-height: 1.2; margin-bottom: 20px;
}
.tds-cta-desc {
  font-size: 16px; color: rgba(255,255,255,0.85);
  line-height: 1.6; max-width: 650px; margin: 0 auto 24px;
}
.tds-cta-buttons {
  display: flex; justify-content: center; gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}
.tds-btn-cta-primary {
  background: #fff !important; color: var(--tds-primary) !important;
  padding: 12px 28px !important; border-radius: 10px !important;
  font-weight: 600 !important; font-size: 15px !important;
  text-decoration: none !important;
  transition: 200ms ease !important;
}
.tds-btn-cta-primary:hover { background: #f0f0f0 !important; }
.tds-btn-cta-secondary {
  background: transparent !important;
  color: #fff !important;
  border: 1.5px solid rgba(255,255,255,0.5) !important;
  padding: 12px 28px !important; border-radius: 10px !important;
  font-weight: 600 !important; font-size: 15px !important;
  text-decoration: none !important;
  transition: 200ms ease !important;
}
.tds-btn-cta-secondary:hover { border-color: #fff !important; background: rgba(255,255,255,0.1) !important; }
.tds-cta-checks {
  display: flex; justify-content: center; gap: 22px; flex-wrap: wrap;
  font-size: 16px; font-weight: 500; color: #fff;
}
.tds-cta-checks span {
  display: flex; gap: 10px;
}

/* ============ TOAST ============ */
.tds-toast {
  position: fixed; bottom: 30px; left: 50%;
  transform: translateX(-50%) translateY(20px);
  background: var(--tds-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;
}
.tds-toast.tds-visible { opacity: 1; transform: translateX(-50%) translateY(0); }
.tds-formula-body span.tds-formula-lbl.white {
    color:#000512;
}
/* ============ RESPONSIVE ============ */
@media (max-width: 1200px) {
  .tds-calc-grid { grid-template-columns: 1fr; }
  .tds-donut-wrap { grid-template-columns: 200px 1fr; }
}
@media (max-width: 900px) {
  .tds-stats-row { grid-template-columns: 1fr; }
  .tds-benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .tds-und-grid { grid-template-columns: 1fr; }
.tds-step-title {
    margin-top: 0;
}
.tds-hero-sub {
    font-size: 16px !important;
    line-height: 1.5 !important;
}
.tds-stat-num {
    font-size: 40px;
}
.tds-benefit-card {
    padding: 18px;
}
.tds-benefit-card .tds-chk-svg {
    width: 32px;
    height: 29px;
}
.tds-formula-card {
    padding: 15px 15px;
}
  .tds-formula-grid { grid-template-columns: 1fr; }
  .tds-steps-row { grid-template-columns: 1fr; gap: 18px; }
  .tds-step::after { display: none; }
  .tds-step { flex-direction: row; align-items: center; text-align: left; gap: 16px; }
  .tds-step-desc { max-width: none; }
  .tds-related-grid { grid-template-columns: repeat(2, 1fr); }
  .tds-faq-grid { grid-template-columns: 1fr; }
  .tds-calc-grid-2 { grid-template-columns: 1fr; }
  .tds-section { padding: 50px 20px; }
}
@media (max-width: 768px) {
  .tds-section { padding: 70px 20px; }
  .tds-hero { padding: 48px 0 56px !important; }
  .tds-hero-title { font-size: 36px !important; }
  .tds-s-h2, .tds-s3-intro h2 { font-size: 26px; }
  .tds-donut-wrap { grid-template-columns: 1fr; justify-items: center; }
  .tds-legend { width: 100%; }
  .tds-result-amount { font-size: 28px; }
  .tds-thresh-badge { position: static; display: inline-block; margin-top: 10px; }
  .tds-benefit-grid { grid-template-columns: 1fr; }
  .tds-related-grid { grid-template-columns: 1fr; }
  .tds-cta-card { padding: 36px 24px; }
  .tds-cta-title { font-size: 26px; }
  /* (why-list removed) */
}
@media (max-width: 480px) {
  .tds-radio-group { flex-direction: column !important; }
  .tds-radio-group label { flex: none !important; }
}