/* Final theme parity layer. Loaded last on every HTML page. */
html,
body {
  background: var(--color-bg-base, #FAFAF7) !important;
  background-color: var(--color-bg-base, #FAFAF7) !important;
}

body {
  color: var(--color-text-primary, #0F172A) !important;
  overflow-x: hidden !important;
}

body::before {
  content: "" !important;
  position: fixed !important;
  inset: 1px !important;
  background:
    radial-gradient(ellipse 72% 42% at 50% 0%, rgba(16, 185, 129, 0.095) 0%, transparent 58%),
    radial-gradient(ellipse 48% 38% at 18% 20%, rgba(249, 115, 22, 0.055) 0%, transparent 58%),
    radial-gradient(ellipse 46% 34% at 82% 35%, rgba(14, 165, 233, 0.045) 0%, transparent 58%),
    var(--color-bg-base, #FAFAF7) !important;
  pointer-events: none !important;
  z-index: -1 !important;
}

.hero,
.calc-hub-hero,
.calculator-page-hero,
.legal-hero,
.about-hero,
.contact-hero,
.blog-hero,
.learn-hero,
.article-header,
.not-found-page {
  background:
    radial-gradient(ellipse 72% 42% at 50% 0%, rgba(16, 185, 129, 0.095) 0%, transparent 58%),
    radial-gradient(ellipse 48% 38% at 18% 20%, rgba(249, 115, 22, 0.055) 0%, transparent 58%),
    radial-gradient(ellipse 46% 34% at 82% 35%, rgba(14, 165, 233, 0.045) 0%, transparent 58%),
    var(--color-bg-base, #FAFAF7) !important;
}

.hero::before,
.calc-hub-hero::before,
.calculator-page-hero::before,
.legal-hero::before,
.about-hero::before,
.contact-hero::before,
.blog-hero::before,
.learn-hero::before,
.article-header::before {
  background:
    radial-gradient(ellipse 72% 42% at 50% 0%, rgba(16, 185, 129, 0.095) 0%, transparent 58%),
    radial-gradient(ellipse 48% 38% at 18% 20%, rgba(249, 115, 22, 0.055) 0%, transparent 58%),
    radial-gradient(ellipse 46% 34% at 82% 35%, rgba(14, 165, 233, 0.045) 0%, transparent 58%) !important;
  opacity: 1 !important;
}

.hero-bg-orbs,
.calc-hub-hero-orbs {
  opacity: 0.12 !important;
}

.hero-orb,
.calc-hub-orb {
  filter: blur(132px) !important;
  opacity: 0.06 !important;
}

.hero-orb-1,
.calc-hub-orb-1 {
  background: radial-gradient(circle, rgba(249, 115, 22, 0.24) 0%, transparent 72%) !important;
}

.hero-orb-2,
.calc-hub-orb-2 {
  background: radial-gradient(circle, rgba(16, 185, 129, 0.20) 0%, transparent 72%) !important;
}

.hero-orb-3,
.calc-hub-orb-3 {
  background: radial-gradient(circle, rgba(14, 165, 233, 0.14) 0%, transparent 72%) !important;
}

.calc-hub-hero > .container,
.calculator-page-hero > div,
.legal-hero > .container,
.about-hero > .container,
.contact-hero > .container,
.blog-hero > .container,
.learn-hero > .container,
.article-header,
.not-found-page .error-layout {
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.74) 0%, rgba(236, 253, 245, 0.34) 42%, rgba(254, 243, 199, 0.22) 74%, rgba(255, 255, 255, 0.72) 100%) !important;
  border: 2px solid rgba(16, 185, 129, 0.46) !important;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.96),
    inset 0 -1px 0 rgba(15, 23, 42, 0.045),
    0 18px 48px rgba(16, 185, 129, 0.12),
    0 8px 22px rgba(15, 23, 42, 0.055),
    0 0 0 1px rgba(249, 115, 22, 0.11) !important;
}

/* Compact, equal-height hero panels. Widths stay controlled by the existing containers. */
.calc-hub-hero,
.calculator-page-hero,
.legal-hero,
.about-hero,
.contact-hero,
.blog-hero,
.learn-hero,
.article-header,
.not-found-page {
  --page-hero-panel-height: 168px !important;
  padding-top: 76px !important;
  padding-bottom: 24px !important;
  margin-bottom: 24px !important;
}

.calc-hub-hero > .container,
.calculator-page-hero > div,
.legal-hero > .container,
.about-hero > .container,
.contact-hero > .container,
.blog-hero > .container,
.learn-hero > .container,
.article-header,
.not-found-page .error-layout {
  min-height: var(--page-hero-panel-height) !important;
  padding-top: 24px !important;
  padding-bottom: 24px !important;
}

.hero {
  min-height: 560px !important;
  padding-top: 72px !important;
  padding-bottom: 48px !important;
}

.hero .hero-title {
  font-size: clamp(1.75rem, 3vw, 2.35rem) !important;
  line-height: 1.12 !important;
  max-width: 520px !important;
}

.hero .title-highlight {
  padding: 4px 12px !important;
  border-radius: 10px !important;
}

.trust-strip-item .trust-icon {
  font-size: 0.72rem !important;
  letter-spacing: 0 !important;
}

@media (max-width: 1024px) {
  .hero {
    min-height: auto !important;
    padding-top: 76px !important;
    padding-bottom: 40px !important;
  }
}

@media (max-width: 768px) {
  .hero .hero-title {
    font-size: clamp(1.65rem, 8vw, 2rem) !important;
  }

  .calc-hub-hero,
  .calculator-page-hero,
  .legal-hero,
  .about-hero,
  .contact-hero,
  .blog-hero,
  .learn-hero,
  .article-header,
  .not-found-page {
    --page-hero-panel-height: 144px !important;
    padding-top: 68px !important;
    padding-bottom: 20px !important;
    margin-bottom: 20px !important;
  }

  .calc-hub-hero > .container,
  .calculator-page-hero > div,
  .legal-hero > .container,
  .about-hero > .container,
  .contact-hero > .container,
  .blog-hero > .container,
  .learn-hero > .container,
  .article-header,
  .not-found-page .error-layout {
    padding-top: 20px !important;
    padding-bottom: 20px !important;
  }
}

.article-content > .article-header {
  --page-hero-panel-height: auto !important;
  width: 100% !important;
  max-width: 100% !important;
  min-height: 0 !important;
  margin: 0 0 24px !important;
  padding: 18px 20px !important;
  border-radius: var(--radius-lg) !important;
}

.article-content > .article-header::before {
  opacity: 0.35 !important;
}

.article-content > .article-header > * {
  max-width: 100% !important;
}

.article-content > .article-header .badge {
  margin-bottom: 8px !important;
  padding: 4px 10px !important;
  font-size: 0.68rem !important;
  line-height: 1.2 !important;
}

.article-content > .article-header .article-title,
.article-content > .article-header h1 {
  display: -webkit-box !important;
  -webkit-box-orient: vertical !important;
  -webkit-line-clamp: 2 !important;
  overflow: hidden !important;
  max-width: 720px !important;
  margin: 0 auto 8px !important;
  font-size: clamp(1.25rem, 2.4vw, 1.75rem) !important;
  line-height: 1.22 !important;
}

.article-content > .article-header .article-meta-row {
  gap: 8px !important;
  margin-top: 8px !important;
  padding-top: 8px !important;
  font-size: 0.68rem !important;
  line-height: 1.35 !important;
}

.article-content .cta-box .btn-primary {
  min-width: 150px !important;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.92) 0%, rgba(255, 255, 255, 0.82) 100%) !important;
  border: 1px solid rgba(249, 115, 22, 0.5) !important;
  color: var(--color-orange-2) !important;
  box-shadow:
    0 10px 24px rgba(194, 65, 12, 0.15),
    inset 0 1px 0 rgba(255, 255, 255, 0.6) !important;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.article-content .cta-box .btn-primary:hover {
  background: linear-gradient(135deg, rgba(255, 255, 255, 1) 0%, rgba(255, 255, 255, 0.95) 100%) !important;
  color: var(--color-orange-2) !important;
  filter: none !important;
  transform: none !important;
  box-shadow:
    0 12px 28px rgba(194, 65, 12, 0.22),
    inset 0 1px 0 rgba(255, 255, 255, 0.8) !important;
}

.calculator-widget .calculator-link-list {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.calculator-widget .sidebar-calc-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  width: 100%;
  padding: 8px 10px;
  border-radius: var(--radius-md);
  color: var(--color-text-primary) !important;
  font-size: 0.86rem;
  line-height: 1.3;
}

.calculator-widget .sidebar-calc-link::after {
  content: ">";
  color: var(--color-orange-2);
  font-weight: 700;
}

.calculator-widget .sidebar-calc-link:hover {
  background: var(--color-orange-10) !important;
  color: var(--color-orange-2) !important;
}

.compounding-snapshot {
  background: transparent !important;
  padding-top: 72px !important;
  padding-bottom: 72px !important;
}

.compounding-snapshot-header {
  max-width: 760px;
  margin: 0 auto 44px;
  text-align: center;
}

.compounding-snapshot .eyebrow {
  display: block;
  margin-bottom: 18px;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  color: var(--color-text-primary);
}

.compounding-snapshot h2 {
  margin: 0 0 18px !important;
  color: var(--color-text-primary) !important;
}

.compounding-snapshot p {
  margin: 0;
}

.compounding-metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.compounding-metric-card {
  min-height: 156px;
  padding: 26px 24px 24px;
  border-radius: var(--radius-2xl);
  background: linear-gradient(135deg, rgba(249, 115, 22, 0.30) 0%, rgba(194, 65, 12, 0.30) 100%) !important;
  border: 1.5px solid rgba(249, 115, 22, 0.55);
  box-shadow:
    0 14px 34px rgba(194, 65, 12, 0.10),
    inset 0 1px 0 rgba(255, 255, 255, 0.55);
  color: var(--color-text-primary);
  text-align: center;
  backdrop-filter: blur(6px) saturate(140%);
  -webkit-backdrop-filter: blur(6px) saturate(140%);
  position: relative;
  overflow: hidden;
}

.compounding-metric-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent 0%, var(--color-orange) 50%, transparent 100%);
  opacity: 0.7;
}

.compounding-metric-card .metric-eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  padding: 4px 11px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--color-orange) 0%, var(--color-orange-2) 100%);
  border: 1px solid rgba(255, 255, 255, 0.5);
  color: var(--color-white);
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  line-height: 1.2;
  box-shadow: 0 4px 10px rgba(194, 65, 12, 0.22), inset 0 1px 0 rgba(255, 255, 255, 0.35);
}

.compounding-metric-card .metric-value {
  margin-bottom: 8px;
  font-family: var(--font-numbers, var(--font-mono));
  font-size: clamp(1.75rem, 3vw, 2.35rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: 0;
  color: var(--color-orange-700);
}

.compounding-metric-card p {
  color: var(--color-text-secondary);
  font-size: 0.95rem;
  line-height: 1.45;
}

.compounding-metric-card .metric-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 18px;
  padding: 8px 13px;
  border-radius: var(--radius-full);
  background: rgba(249, 115, 22, 0.14);
  border: 1px solid rgba(249, 115, 22, 0.40);
  color: var(--color-orange-700);
  font-size: 0.74rem;
  font-weight: 800;
  line-height: 1.2;
}

.three-steps-section {
  padding-top: 48px !important;
  padding-bottom: 72px !important;
  background: transparent !important;
}

.three-steps-panel {
  width: min(100%, 1080px);
  margin: 0 auto;
  padding: 28px 40px 32px;
  border-radius: var(--radius-xl);
  background:
    radial-gradient(ellipse 68% 46% at 78% 18%, rgba(16, 185, 129, 0.20) 0%, transparent 62%),
    linear-gradient(135deg, rgba(255, 255, 255, 0.88) 0%, rgba(236, 253, 245, 0.54) 48%, rgba(255, 255, 255, 0.78) 100%);
  border: 1.5px solid rgba(16, 185, 129, 0.32);
  box-shadow:
    0 18px 44px rgba(16, 185, 129, 0.10),
    inset 0 1px 0 rgba(255, 255, 255, 0.90);
  text-align: center;
}

.three-steps-header {
  max-width: 680px;
  margin: 0 auto 30px;
}

.three-steps-header h2 {
  margin: 0 0 14px !important;
  color: var(--color-text-primary) !important;
}

.three-steps-header p {
  margin: 0 !important;
  line-height: 1.55 !important;
}

.three-steps-flow-img {
  width: min(100%, 900px);
  height: auto;
  margin: 0 auto;
  display: block;
}

@media (max-width: 900px) {
  .compounding-metrics-grid {
    grid-template-columns: 1fr;
  }

  .three-steps-panel {
    padding: 24px 20px 28px;
  }
}

@media (max-width: 640px) {
  .compounding-snapshot {
    padding-top: 52px !important;
    padding-bottom: 52px !important;
  }

  .compounding-metric-card {
    min-height: 142px;
    padding: 24px 18px;
  }

  .three-steps-section {
    padding-top: 36px !important;
    padding-bottom: 52px !important;
  }

  .three-steps-header {
    margin-bottom: 22px;
  }
}

.legal-hero,
.about-hero,
.contact-hero {
  padding-top: 76px !important;
  padding-bottom: 24px !important;
  text-align: center !important;
  background:
    radial-gradient(ellipse 70% 44% at 72% 8%, rgba(249, 115, 22, 0.16) 0%, transparent 56%),
    linear-gradient(135deg, rgba(236, 253, 245, 0.72) 0%, rgba(209, 250, 229, 0.50) 50%, rgba(255, 255, 255, 0.86) 100%) !important;
}

.legal-hero > .container,
.about-hero > .container,
.contact-hero > .container {
  width: min(100%, 980px) !important;
  max-width: 980px !important;
  min-height: 168px !important;
  padding: 24px 36px !important;
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 10px !important;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.74) 0%, rgba(236, 253, 245, 0.38) 42%, rgba(254, 243, 199, 0.26) 74%, rgba(255, 255, 255, 0.74) 100%) !important;
  border: 2px solid rgba(16, 185, 129, 0.46) !important;
  border-radius: var(--radius-2xl) !important;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.96),
    inset 0 -1px 0 rgba(15, 23, 42, 0.045),
    0 18px 48px rgba(16, 185, 129, 0.12),
    0 8px 22px rgba(15, 23, 42, 0.055),
    0 0 0 1px rgba(249, 115, 22, 0.11) !important;
  backdrop-filter: blur(10px) saturate(130%) !important;
  -webkit-backdrop-filter: blur(10px) saturate(130%) !important;
}

.legal-hero .badge {
  margin: 0 !important;
  padding: 5px 12px !important;
  border-radius: var(--radius-full) !important;
  font-family: var(--font-body) !important;
  font-size: 0.72rem !important;
  line-height: 1.2 !important;
  letter-spacing: 0.04em !important;
}

.legal-hero h1,
.legal-hero .legal-hero-title,
.about-hero h1,
.about-hero .display-lg,
.contact-hero h1,
.contact-hero .display-lg {
  display: block !important;
  max-width: 780px !important;
  margin: 0 !important;
  font-family: var(--font-hero) !important;
  font-weight: 800 !important;
  font-size: clamp(1.75rem, 4vw, 2.65rem) !important;
  line-height: 1.15 !important;
  letter-spacing: 0 !important;
  color: var(--color-text-primary) !important;
  text-align: center !important;
}

.legal-hero .title-highlight,
.about-hero .title-highlight,
.contact-hero .title-highlight {
  display: inline !important;
  margin: 0 !important;
  padding: 0 !important;
  border: 0 !important;
  border-radius: 0 !important;
  box-shadow: none !important;
  background: linear-gradient(135deg, var(--color-orange-2) 0%, var(--color-amber) 48%, var(--color-emerald-2) 100%) !important;
  -webkit-background-clip: text !important;
  background-clip: text !important;
  -webkit-text-fill-color: transparent !important;
  color: transparent !important;
  animation: none !important;
  overflow: visible !important;
  line-height: inherit !important;
}

.legal-hero .title-highlight::before,
.legal-hero .title-highlight::after,
.about-hero .title-highlight::before,
.about-hero .title-highlight::after,
.contact-hero .title-highlight::before,
.contact-hero .title-highlight::after {
  content: none !important;
  display: none !important;
}

.legal-hero p,
.legal-hero .legal-hero-desc,
.about-hero p,
.about-hero .body-lg,
.contact-hero p,
.contact-hero .body-lg {
  max-width: 760px !important;
  margin: 0 !important;
  font-family: var(--font-body) !important;
  font-size: clamp(0.95rem, 1.8vw, 1.1rem) !important;
  font-weight: 600 !important;
  line-height: 1.45 !important;
  color: var(--color-text-secondary) !important;
  text-align: center !important;
}

.about-hero .body-lg br {
  display: block !important;
}

/* Match the blog index hero treatment on legal, about, and contact pages. */
.legal-hero,
.about-hero,
.contact-hero {
  --page-hero-panel-height: 168px !important;
  padding-top: 76px !important;
  padding-bottom: 24px !important;
  margin-bottom: 24px !important;
  background:
    radial-gradient(ellipse 72% 42% at 50% 0%, rgba(16, 185, 129, 0.095) 0%, transparent 58%),
    radial-gradient(ellipse 48% 38% at 18% 20%, rgba(249, 115, 22, 0.055) 0%, transparent 58%),
    radial-gradient(ellipse 46% 34% at 82% 35%, rgba(14, 165, 233, 0.045) 0%, transparent 58%),
    var(--color-bg-base, #FAFAF7) !important;
}

.legal-hero > .container,
.about-hero > .container,
.contact-hero > .container {
  width: min(100%, 980px) !important;
  max-width: 980px !important;
  min-height: var(--page-hero-panel-height) !important;
  padding: 24px 44px !important;
  gap: 12px !important;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.74) 0%, rgba(236, 253, 245, 0.34) 42%, rgba(254, 243, 199, 0.22) 74%, rgba(255, 255, 255, 0.72) 100%) !important;
  border: 2px solid rgba(16, 185, 129, 0.46) !important;
  border-radius: var(--radius-2xl) !important;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.96),
    inset 0 -1px 0 rgba(15, 23, 42, 0.045),
    0 18px 48px rgba(16, 185, 129, 0.12),
    0 8px 22px rgba(15, 23, 42, 0.055),
    0 0 0 1px rgba(249, 115, 22, 0.11) !important;
}

.legal-hero .badge {
  display: none !important;
}

.legal-hero h1,
.legal-hero .legal-hero-title,
.about-hero h1,
.about-hero .display-lg,
.contact-hero h1,
.contact-hero .display-lg {
  max-width: 760px !important;
  margin: 0 !important;
  font-family: var(--font-hero) !important;
  font-weight: 800 !important;
  font-size: clamp(1.75rem, 4.4vw, 2.75rem) !important;
  line-height: 1.2 !important;
  letter-spacing: 0 !important;
  color: var(--color-text-primary) !important;
}

.legal-hero .title-highlight,
.about-hero .title-highlight,
.contact-hero .title-highlight {
  display: inline-block !important;
  position: relative !important;
  margin: 0 4px !important;
  padding: 6px 16px !important;
  border-radius: 12px !important;
  border: 0 !important;
  font-weight: 800 !important;
  line-height: 1.15 !important;
  letter-spacing: 0 !important;
  overflow: hidden !important;
  box-shadow:
    0 4px 14px rgba(249, 115, 22, 0.15),
    inset 0 1px 0 rgba(255, 255, 255, 0.4) !important;
  background: linear-gradient(135deg, #EA580C 0%, #D97706 50%, #059669 100%) !important;
  background-size: 200% auto !important;
  -webkit-background-clip: text !important;
  background-clip: text !important;
  -webkit-text-fill-color: transparent !important;
  color: transparent !important;
  animation: gradientShift 5s ease-in-out infinite !important;
}

.legal-hero .title-highlight::before,
.about-hero .title-highlight::before,
.contact-hero .title-highlight::before {
  content: "" !important;
  display: block !important;
  position: absolute !important;
  top: 0 !important;
  left: -150% !important;
  width: 80% !important;
  height: 100% !important;
  background: linear-gradient(100deg, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.6) 50%, rgba(255, 255, 255, 0) 100%) !important;
  transform: skewX(-20deg) !important;
  pointer-events: none !important;
  animation: shineSwipe 8.5s ease-in-out infinite !important;
  z-index: 1 !important;
}

.legal-hero .title-highlight::after,
.about-hero .title-highlight::after,
.contact-hero .title-highlight::after {
  content: none !important;
  display: none !important;
}

.legal-hero p,
.legal-hero .legal-hero-desc,
.about-hero p,
.about-hero .body-lg,
.contact-hero p,
.contact-hero .body-lg {
  max-width: 760px !important;
  margin: 0 !important;
  font-family: var(--font-body) !important;
  font-size: 1.125rem !important;
  font-weight: 600 !important;
  line-height: 1.45 !important;
  color: var(--color-text-secondary) !important;
}

@media (max-width: 768px) {
  .article-content > .article-header {
    margin-bottom: 20px !important;
    padding: 16px !important;
  }

  .article-content > .article-header .article-title,
  .article-content > .article-header h1 {
    font-size: clamp(1.1rem, 5.5vw, 1.35rem) !important;
  }

  .legal-hero,
  .about-hero,
  .contact-hero {
    padding-top: 68px !important;
    padding-bottom: 20px !important;
  }

  .legal-hero > .container,
  .about-hero > .container,
  .contact-hero > .container {
    min-height: 144px !important;
    padding: 20px !important;
  }

  .legal-hero h1,
  .legal-hero .legal-hero-title,
  .about-hero h1,
  .about-hero .display-lg,
  .contact-hero h1,
  .contact-hero .display-lg {
    font-size: clamp(1.45rem, 7vw, 1.95rem) !important;
  }

  .legal-hero > .container,
  .about-hero > .container,
  .contact-hero > .container {
    padding: 20px !important;
  }

  .legal-hero p,
  .legal-hero .legal-hero-desc,
  .about-hero p,
  .about-hero .body-lg,
  .contact-hero p,
  .contact-hero .body-lg {
    font-size: 1rem !important;
  }
}

/* === PREMIUM ENLIVENED BORDER SYSTEM FOR INTERACTIVE CONTAINERS === */

/* Calculator Results Panel */
.calc-results {
  background: var(--mirror-glass-bg) !important;
  border-top: 1.5px solid rgba(16, 185, 129, 0.32) !important;
  border-bottom: 1.5px solid rgba(16, 185, 129, 0.32) !important;
  border-left: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-right: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-radius: var(--radius-xl) !important;
  padding: 28px !important;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.95),
    0 12px 34px rgba(16, 185, 129, 0.09),
    0 0 0 1px rgba(15, 23, 42, 0.035) !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.calc-results:hover {
  border-left-color: rgba(234, 88, 12, 0.85) !important;
  border-right-color: rgba(234, 88, 12, 0.85) !important;
  border-top-color: rgba(16, 185, 129, 0.32) !important;
  border-bottom-color: rgba(16, 185, 129, 0.32) !important;
  transform: translateY(-2px) !important;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.95),
    0 16px 42px rgba(16, 185, 129, 0.13),
    0 0 24px rgba(249, 115, 22, 0.08) !important;
}

/* Hide double nesting inside results panel placeholder */
.calc-results #resultsPlaceholder,
.calc-results .calc-results-placeholder {
  background: transparent !important;
  border: none !important;
  box-shadow: none !important;
  padding: 0 !important;
}

/* Contact Form Container */
.contact-form-container {
  border-top: 1.5px solid rgba(16, 185, 129, 0.3) !important;
  border-bottom: 1.5px solid rgba(16, 185, 129, 0.3) !important;
  border-left: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-right: 4px solid rgba(234, 88, 12, 0.35) !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.contact-form-container:hover {
  border-left-color: rgba(234, 88, 12, 0.85) !important;
  border-right-color: rgba(234, 88, 12, 0.85) !important;
  border-top-color: rgba(16, 185, 129, 0.3) !important;
  border-bottom-color: rgba(16, 185, 129, 0.3) !important;
  transform: translateY(-2px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 14px 32px -8px rgba(15,23,42,0.12),
    0 28px 56px -18px rgba(249,115,22,0.14) !important;
}

/* Sidebar Widgets (Contact & Legal pages) */
.sidebar-widget {
  border-top: 1px solid rgba(15, 23, 42, 0.07) !important;
  border-bottom: 1px solid rgba(15, 23, 42, 0.07) !important;
  border-left: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-right: 4px solid rgba(234, 88, 12, 0.35) !important;
  background: linear-gradient(135deg, #fffbf5 0%, #fefce8 45%, #f0fdf4 100%) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 8px 24px -6px rgba(15,23,42,0.08),
    0 20px 48px -16px rgba(249,115,22,0.10) !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.sidebar-widget:hover {
  border-left-color: rgba(234, 88, 12, 0.85) !important;
  border-right-color: rgba(234, 88, 12, 0.85) !important;
  transform: translateY(-2px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 14px 32px -8px rgba(15,23,42,0.12),
    0 28px 56px -18px rgba(249,115,22,0.14) !important;
}

@media (max-width: 768px) {
  .calc-results {
    padding: 16px 20px !important;
  }
}

/* === PREMIUM REFERENCE SYSTEM GLOBAL STYLES === */
.heading-glow {
  transition: text-shadow 300ms ease;
  cursor: default;
}
.heading-glow:hover {
  text-shadow:
    0 0 16px rgba(52,211,153,1),
    0 0 40px rgba(16,185,129,0.85),
    0 0 75px rgba(52,211,153,0.55),
    0 0 110px rgba(16,185,129,0.3);
}

.text-content-card {
  border-top: 1px solid rgba(15, 23, 42, 0.07) !important;
  border-bottom: 1px solid rgba(15, 23, 42, 0.07) !important;
  border-left: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-right: 4px solid rgba(234, 88, 12, 0.35) !important;
  border-radius: 24px !important;
  background: linear-gradient(135deg, #fffbf5 0%, #fefce8 45%, #f0fdf4 100%) !important;
  padding: 40px 48px !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 8px 24px -6px rgba(15,23,42,0.08),
    0 20px 48px -16px rgba(249,115,22,0.10) !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
  margin-bottom: 32px !important;
  margin-top: 32px !important;
}
.text-content-card:hover {
  border-left-color: rgba(234, 88, 12, 0.85) !important;
  border-right-color: rgba(234, 88, 12, 0.85) !important;
  transform: translateY(-2px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 14px 32px -8px rgba(15,23,42,0.12),
    0 28px 56px -18px rgba(249,115,22,0.14) !important;
}

.matrix-wrapper {
  border-radius: 20px;
  overflow: hidden;
  border-top: 1px solid rgba(15, 23, 42, 0.07);
  border-bottom: 1px solid rgba(15, 23, 42, 0.07);
  border-left: 4px solid rgba(234, 88, 12, 0.75);
  border-right: 4px solid rgba(234, 88, 12, 0.75);
  background: linear-gradient(135deg, #fffbf5 0%, #fefce8 45%, #f0fdf4 100%);
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 8px 24px -6px rgba(15,23,42,0.08),
    0 20px 48px -16px rgba(249,115,22,0.10);
  transition: border-color 250ms ease, box-shadow 250ms ease, transform 250ms ease;
  margin-bottom: 24px;
}
.matrix-wrapper:hover {
  border-left-color: rgba(234, 88, 12, 0.95);
  border-right-color: rgba(234, 88, 12, 0.95);
  transform: translateY(-3px);
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 14px 32px -8px rgba(15,23,42,0.12),
    0 28px 56px -18px rgba(249,115,22,0.14);
}

.matrix-table {
  width: 100%;
  border-collapse: collapse;
}
.matrix-table thead tr {
  background: linear-gradient(90deg, rgba(234,88,12,0.07) 0%, rgba(249,115,22,0.04) 100%) !important;
  border-bottom: 2px solid rgba(234, 88, 12, 0.18) !important;
}
.matrix-table th {
  padding: 16px 24px !important;
  text-align: left !important;
  font-family: var(--font-body) !important;
  font-size: 0.6875rem !important;
  font-weight: 700 !important;
  letter-spacing: 0.08em !important;
  text-transform: uppercase !important;
  color: var(--color-text-muted) !important;
  white-space: nowrap !important;
  border-bottom: none !important;
}
.matrix-table td {
  padding: 14px 24px !important;
  font-size: 0.9375rem !important;
  color: var(--color-text-secondary);
  border-top: 1px solid rgba(15, 23, 42, 0.05) !important;
  border-bottom: none !important;
  transition: background 120ms ease !important;
}
.matrix-table td:first-child {
  font-family: var(--font-body) !important;
  font-weight: 700 !important;
  color: var(--color-text-primary) !important;
  font-size: 0.9375rem !important;
}
.matrix-table tbody tr {
  border: none !important;
  background: transparent !important;
}
.matrix-table tbody tr:hover td {
  background: rgba(249, 115, 22, 0.04) !important;
}/* --- CALCULATOR HUB CARD LIST OVERRIDES --- */
/* Category 1: Compounding & Growth (cg-card) - Orange Theme */
.cg-card {
  border-top: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-bottom: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-left: 4px solid rgba(249, 115, 22, 0.35) !important;
  border-right: 4px solid rgba(249, 115, 22, 0.35) !important;
  border-radius: 22px !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.cg-card:hover {
  border-left-color: rgba(249, 115, 22, 0.85) !important;
  border-right-color: rgba(249, 115, 22, 0.85) !important;
  border-top-color: rgba(15, 23, 42, 0.06) !important;
  border-bottom-color: rgba(15, 23, 42, 0.06) !important;
  transform: translateY(-4px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 12px 28px -6px rgba(15,23,42,0.08),
    0 24px 48px -12px rgba(249,115,22,0.12) !important;
}

/* Category 2: Retirement & Financial Health (rh-card) - Emerald Theme */
.rh-card {
  border-top: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-bottom: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-left: 4px solid rgba(16, 185, 129, 0.35) !important;
  border-right: 4px solid rgba(16, 185, 129, 0.35) !important;
  border-radius: 20px !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.rh-card:hover {
  border-left-color: rgba(16, 185, 129, 0.85) !important;
  border-right-color: rgba(16, 185, 129, 0.85) !important;
  border-top-color: rgba(15, 23, 42, 0.06) !important;
  border-bottom-color: rgba(15, 23, 42, 0.06) !important;
  transform: translateY(-4px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 12px 28px -6px rgba(15,23,42,0.08),
    0 24px 48px -12px rgba(16, 185, 129, 0.12) !important;
}

/* Category 3: Comparisons & Market Metrics (cm-card) - Sea Theme */
.cm-card {
  border-top: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-bottom: 1.5px solid rgba(15, 23, 42, 0.06) !important;
  border-left: 4px solid rgba(14, 165, 233, 0.35) !important;
  border-right: 4px solid rgba(14, 165, 233, 0.35) !important;
  border-radius: 20px !important;
  transition: transform 250ms ease, box-shadow 250ms ease, border-color 250ms ease !important;
}

.cm-card:hover {
  border-left-color: rgba(14, 165, 233, 0.85) !important;
  border-right-color: rgba(14, 165, 233, 0.85) !important;
  border-top-color: rgba(15, 23, 42, 0.06) !important;
  border-bottom-color: rgba(15, 23, 42, 0.06) !important;
  transform: translateY(-4px) !important;
  box-shadow:
    0 1px 2px rgba(15,23,42,0.04),
    0 12px 28px -6px rgba(15,23,42,0.08),
    0 24px 48px -12px rgba(14, 165, 233, 0.12) !important;
}

.cg-body,
.rh-body,
.cm-body {
  padding: 22px 24px 24px !important;
}

/* Spacing between cards (grid gaps) and section wraps */
.cg-grid,
.rh-grid,
.cm-grid {
  gap: 40px !important;
}

.cg-wrap,
.rh-wrap,
.cm-wrap {
  padding-top: 4.5rem !important;
  padding-bottom: 4.5rem !important;
}

@media (max-width: 768px) {
  .cg-grid,
  .rh-grid,
  .cm-grid {
    gap: 28px !important;
  }
  .cg-wrap,
  .rh-wrap,
  .cm-wrap {
    padding-top: 2.5rem !important;
    padding-bottom: 2.5rem !important;
  }
}