/*
 * Tax Withholding Calculator 2026 — style.css
 * Tool: tax-withholding-calculator
 * Site: USAJobsKit.com
 * All selectors scoped to .usk-tool
 * Mobile-first responsive design
 *
 * Brand Colors:
 * Primary:    #1D4ED8
 * Hover:      #1E40AF
 * Navy:       #0F172A
 * Success:    #10B981
 * Error:      #DC2626
 * Background: #F8FAFC
 * Border:     #E5E7EB
 */

/* ═══════════════════════════════════════════════════════════════════════════
   SEO H1 — Visually hidden, readable by search engines
═══════════════════════════════════════════════════════════════════════════ */

.usajobskit-page-title {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* ═══════════════════════════════════════════════════════════════════════════
   ROOT WRAPPER
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: #0F172A;
    background: transparent;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
    box-sizing: border-box;
}

.usk-tool *,
.usk-tool *::before,
.usk-tool *::after {
    box-sizing: border-box;
}

.usk-tool img {
    max-width: 100%;
    height: auto;
    display: block;
}

/* ═══════════════════════════════════════════════════════════════════════════
   HERO SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-hero {
    background: linear-gradient(135deg, #1D4ED8 0%, #1E40AF 50%, #0F172A 100%);
    border-radius: 16px;
    padding: 40px 24px;
    margin-bottom: 32px;
    color: #fff;
    overflow: hidden;
    position: relative;
}

.usk-tool .usk-hero::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 220px;
    height: 220px;
    background: rgba(255, 255, 255, 0.04);
    border-radius: 50%;
    pointer-events: none;
}

.usk-tool .usk-hero::after {
    content: '';
    position: absolute;
    bottom: -40px;
    left: 30%;
    width: 160px;
    height: 160px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: 50%;
    pointer-events: none;
}

.usk-tool .usk-hero-inner {
    position: relative;
    z-index: 1;
    max-width: 820px;
}

.usk-tool .usk-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, 0.15);
    border: 1px solid rgba(255, 255, 255, 0.25);
    border-radius: 100px;
    padding: 5px 14px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 20px;
}

.usk-tool .usk-hero-heading {
    font-size: clamp(22px, 4vw, 36px);
    font-weight: 800;
    line-height: 1.2;
    color: #fff;
    margin: 0 0 14px;
    letter-spacing: -0.02em;
}

.usk-tool .usk-hero-sub {
    font-size: clamp(14px, 2vw, 17px);
    color: rgba(255, 255, 255, 0.82);
    margin: 0 0 28px;
    max-width: 600px;
    line-height: 1.6;
}

.usk-tool .usk-hero-stats {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.usk-tool .usk-hero-stat {
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 10px;
    padding: 10px 18px;
    text-align: center;
    min-width: 80px;
}

.usk-tool .usk-hero-stat-value {
    display: block;
    font-size: 18px;
    font-weight: 800;
    color: #fff;
    line-height: 1.1;
}

.usk-tool .usk-hero-stat-label {
    display: block;
    font-size: 11px;
    color: rgba(255, 255, 255, 0.7);
    margin-top: 2px;
    font-weight: 500;
}

/* ═══════════════════════════════════════════════════════════════════════════
   SECTION TITLES
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-section-title {
    font-size: clamp(18px, 2.5vw, 24px);
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 20px;
    padding-bottom: 10px;
    border-bottom: 2px solid #E5E7EB;
    line-height: 1.3;
}

/* ═══════════════════════════════════════════════════════════════════════════
   KEY FACTS SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-key-facts {
    margin-bottom: 40px;
}

.usk-tool .usk-facts-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
}

@media (min-width: 640px) {
    .usk-tool .usk-facts-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (min-width: 900px) {
    .usk-tool .usk-facts-grid {
        grid-template-columns: repeat(6, 1fr);
    }
}

.usk-tool .usk-fact-card {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    padding: 16px 14px;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.usk-tool .usk-fact-card:hover {
    box-shadow: 0 4px 16px rgba(15, 23, 42, 0.08);
    transform: translateY(-1px);
}

.usk-tool .usk-fact-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.usk-tool .usk-fact-icon--blue   { background: #EFF6FF; color: #1D4ED8; }
.usk-tool .usk-fact-icon--green  { background: #F0FDF4; color: #10B981; }
.usk-tool .usk-fact-icon--purple { background: #F5F3FF; color: #7C3AED; }
.usk-tool .usk-fact-icon--orange { background: #FFF7ED; color: #EA580C; }
.usk-tool .usk-fact-icon--teal   { background: #F0FDFA; color: #0D9488; }
.usk-tool .usk-fact-icon--red    { background: #FEF2F2; color: #DC2626; }

.usk-tool .usk-fact-content {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.usk-tool .usk-fact-label {
    font-size: 11px;
    color: #64748B;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.usk-tool .usk-fact-value {
    font-size: 18px;
    font-weight: 800;
    color: #0F172A;
    line-height: 1.1;
}

.usk-tool .usk-fact-note {
    font-size: 11px;
    color: #94A3B8;
    line-height: 1.3;
}

/* ═══════════════════════════════════════════════════════════════════════════
   WHO CAN USE SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-audience {
    margin-bottom: 40px;
}

.usk-tool .usk-audience-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 14px;
}

@media (min-width: 480px) {
    .usk-tool .usk-audience-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 900px) {
    .usk-tool .usk-audience-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.usk-tool .usk-audience-card {
    background: #F8FAFC;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    padding: 20px;
    transition: border-color 0.2s ease, background 0.2s ease;
}

.usk-tool .usk-audience-card:hover {
    border-color: #1D4ED8;
    background: #EFF6FF;
}

.usk-tool .usk-audience-icon {
    font-size: 28px;
    margin-bottom: 10px;
    line-height: 1;
}

.usk-tool .usk-audience-card h3 {
    font-size: 15px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 6px;
}

.usk-tool .usk-audience-card p {
    font-size: 14px;
    color: #475569;
    margin: 0;
    line-height: 1.5;
}

/* ═══════════════════════════════════════════════════════════════════════════
   CALCULATOR SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-calculator-section {
    margin-bottom: 40px;
}

.usk-tool .usk-calculator-wrapper {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 2px 16px rgba(15, 23, 42, 0.06);
}

.usk-tool .usk-calc-header {
    background: #F8FAFC;
    border-bottom: 1px solid #E5E7EB;
    padding: 20px 24px;
}

.usk-tool .usk-calc-title {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 18px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 4px;
}

.usk-tool .usk-calc-title svg {
    color: #1D4ED8;
    flex-shrink: 0;
}

.usk-tool .usk-calc-subtitle {
    font-size: 13px;
    color: #64748B;
    margin: 0;
}

/* ═══════════════════════════════════════════════════════════════════════════
   FORM LAYOUT
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-form {
    padding: 0;
}

.usk-tool .usk-fieldset {
    border: none;
    padding: 24px;
    margin: 0;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-fieldset:last-of-type {
    border-bottom: none;
}

.usk-tool .usk-fieldset-legend {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 15px;
    font-weight: 700;
    color: #0F172A;
    margin-bottom: 20px;
    padding: 0;
    width: 100%;
}

.usk-tool .usk-legend-step {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 26px;
    height: 26px;
    background: #1D4ED8;
    color: #fff;
    border-radius: 50%;
    font-size: 13px;
    font-weight: 700;
    flex-shrink: 0;
}

.usk-tool .usk-legend-optional {
    font-size: 12px;
    font-weight: 500;
    color: #94A3B8;
    margin-left: 4px;
}

.usk-tool .usk-form-row {
    display: grid;
    gap: 16px;
    margin-bottom: 16px;
}

.usk-tool .usk-form-row:last-child {
    margin-bottom: 0;
}

.usk-tool .usk-form-row--2 {
    grid-template-columns: 1fr;
}

.usk-tool .usk-form-row--3 {
    grid-template-columns: 1fr;
}

@media (min-width: 600px) {
    .usk-tool .usk-form-row--2 {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 640px) {
    .usk-tool .usk-form-row--3 {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* ═══════════════════════════════════════════════════════════════════════════
   FORM GROUPS, LABELS, INPUTS
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.usk-tool .usk-label {
    font-size: 14px;
    font-weight: 600;
    color: #0F172A;
    display: flex;
    align-items: center;
    gap: 6px;
    flex-wrap: wrap;
    line-height: 1.3;
}

.usk-tool .usk-required {
    color: #DC2626;
    font-size: 15px;
    line-height: 1;
}

.usk-tool .usk-input {
    width: 100%;
    min-height: 48px;
    padding: 12px 16px;
    font-size: 15px;
    font-weight: 500;
    color: #0F172A;
    background: #fff;
    border: 1.5px solid #E5E7EB;
    border-radius: 8px;
    outline: none;
    transition: border-color 0.18s ease, box-shadow 0.18s ease;
    appearance: none;
    -webkit-appearance: none;
}

.usk-tool .usk-input:hover {
    border-color: #CBD5E1;
}

.usk-tool .usk-input:focus {
    border-color: #1D4ED8;
    box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.12);
}

.usk-tool .usk-input::placeholder {
    color: #94A3B8;
    font-weight: 400;
}

.usk-tool .usk-input--error {
    border-color: #DC2626 !important;
    box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.1) !important;
}

.usk-tool .usk-input--valid {
    border-color: #10B981;
}

/* Currency icon inside input */
.usk-tool .usk-input-with-icon {
    position: relative;
}

.usk-tool .usk-input-icon {
    position: absolute;
    left: 16px !important;
    top: 50%;
    transform: translateY(-50%);
    font-size: 15px;
    font-weight: 600;
    color: #64748B;
    pointer-events: none;
    z-index: 1;
    user-select: none;
    line-height: 1;
}

.usk-tool .usk-input-with-icon input {
    padding-left: 52px !important;
}

/* Select Dropdowns */
.usk-tool .usk-select-wrapper {
    position: relative;
}

.usk-tool .usk-select-wrapper::after {
    content: '';
    position: absolute;
    right: 16px;
    top: 50%;
    transform: translateY(-50%) rotate(45deg);
    width: 8px;
    height: 8px;
    border-right: 2px solid #64748B;
    border-bottom: 2px solid #64748B;
    pointer-events: none;
}

.usk-tool .usk-select {
    width: 100% !important;
    min-height: 48px !important;
    padding: 12px 40px 12px 16px !important;
    font-size: 15px !important;
    font-weight: 500 !important;
    color: #0F172A !important;
    background: #fff !important;
    border: 1.5px solid #E5E7EB !important;
    border-radius: 8px !important;
    outline: none !important;
    cursor: pointer !important;
    appearance: none !important;
    -webkit-appearance: none !important;
    -moz-appearance: none !important;
    transition: border-color 0.18s ease, box-shadow 0.18s ease !important;
}

.usk-tool .usk-select:hover {
    border-color: #CBD5E1 !important;
}

.usk-tool .usk-select:focus {
    border-color: #1D4ED8 !important;
    box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.12) !important;
}

/* Help text and error messages */
.usk-tool .usk-help-text {
    font-size: 12px;
    color: #64748B;
    line-height: 1.4;
}

.usk-tool .usk-error-msg {
    font-size: 12px;
    color: #DC2626;
    font-weight: 500;
    line-height: 1.4;
    display: flex;
    align-items: flex-start;
    gap: 4px;
}

.usk-tool .usk-error-msg:empty {
    display: none;
}

/* Tooltip button */
.usk-tool .usk-tooltip-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 18px;
    height: 18px;
    background: #E5E7EB;
    color: #475569;
    border-radius: 50%;
    font-size: 11px;
    font-weight: 700;
    cursor: pointer;
    border: none;
    outline: none;
    transition: background 0.15s ease, color 0.15s ease;
    flex-shrink: 0;
    line-height: 1;
}

.usk-tool .usk-tooltip-btn:hover,
.usk-tool .usk-tooltip-btn:focus {
    background: #1D4ED8;
    color: #fff;
}

.usk-tool .usk-tooltip {
    display: none;
    position: absolute;
    bottom: calc(100% + 8px);
    left: 0;
    z-index: 100;
    background: #0F172A;
    color: #F8FAFC;
    font-size: 13px;
    font-weight: 400;
    line-height: 1.5;
    padding: 10px 14px;
    border-radius: 8px;
    max-width: min(280px, 90vw);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.2);
    pointer-events: none;
}

.usk-tool .usk-tooltip--visible {
    display: block;
}

.usk-tool .usk-tooltip::after {
    content: '';
    position: absolute;
    top: 100%;
    left: 20px;
    border: 6px solid transparent;
    border-top-color: #0F172A;
}

/* ═══════════════════════════════════════════════════════════════════════════
   BUTTONS
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-form-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    padding: 20px 24px;
    background: #F8FAFC;
    border-top: 1px solid #E5E7EB;
}

.usk-tool .usk-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: 8px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    border: none;
    outline: none;
    transition: background 0.18s ease, box-shadow 0.18s ease, transform 0.12s ease, opacity 0.18s ease;
    white-space: nowrap;
    text-decoration: none;
    min-height: 48px;
    line-height: 1;
}

.usk-tool .usk-btn:active {
    transform: scale(0.98);
}

.usk-tool .usk-btn-primary {
    background: #1D4ED8;
    color: #fff;
    box-shadow: 0 2px 8px rgba(29, 78, 216, 0.3);
}

.usk-tool .usk-btn-primary:hover {
    background: #1E40AF;
    box-shadow: 0 4px 16px rgba(29, 78, 216, 0.4);
}

.usk-tool .usk-btn-primary:focus {
    outline: 2px solid #1D4ED8;
    outline-offset: 3px;
}

.usk-tool .usk-btn-primary:disabled {
    background: #93C5FD;
    box-shadow: none;
    cursor: not-allowed;
    opacity: 0.7;
}

.usk-tool .usk-btn-ghost {
    background: #fff;
    color: #475569;
    border: 1.5px solid #E5E7EB;
}

.usk-tool .usk-btn-ghost:hover {
    background: #F8FAFC;
    border-color: #CBD5E1;
    color: #0F172A;
}

.usk-tool .usk-btn-lg {
    padding: 14px 32px;
    font-size: 16px;
    min-height: 52px;
}

.usk-tool .usk-btn-sm {
    padding: 8px 16px;
    font-size: 13px;
    min-height: 36px;
}

/* Button loading spinner */
.usk-tool .usk-btn-spinner {
    display: inline-block;
    width: 16px;
    height: 16px;
    border: 2px solid rgba(255, 255, 255, 0.4);
    border-top-color: #fff;
    border-radius: 50%;
    animation: usk-spin 0.7s linear infinite;
    flex-shrink: 0;
}

/* ═══════════════════════════════════════════════════════════════════════════
   LOADING SPINNER
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-loading {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 20px;
    color: #475569;
    font-size: 14px;
    font-weight: 500;
}

.usk-tool .usk-spinner {
    width: 24px;
    height: 24px;
    border: 3px solid #E5E7EB;
    border-top-color: #1D4ED8;
    border-radius: 50%;
    animation: usk-spin 0.8s linear infinite;
    flex-shrink: 0;
}

@keyframes usk-spin {
    to { transform: rotate(360deg); }
}

/* Form-level error banner */
.usk-tool .usk-form-error-banner {
    background: #FEF2F2;
    border: 1px solid #FECACA;
    border-radius: 8px;
    color: #DC2626;
    font-size: 14px;
    font-weight: 500;
    padding: 12px 16px;
    margin: 0 24px 20px;
}

/* ═══════════════════════════════════════════════════════════════════════════
   RESULTS SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-results-section {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 16px;
    overflow: hidden;
    margin-bottom: 40px;
    box-shadow: 0 4px 24px rgba(15, 23, 42, 0.07);
}

.usk-tool .usk-results-section[hidden] {
    display: none;
}

.usk-tool .usk-results--visible {
    animation: usk-results-appear 0.4s ease forwards;
}

@keyframes usk-results-appear {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: translateY(0); }
}

.usk-tool .usk-results-header {
    background: #F8FAFC;
    border-bottom: 1px solid #E5E7EB;
    padding: 16px 20px;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
}

.usk-tool .usk-results-title {
    font-size: 16px;
    font-weight: 700;
    color: #0F172A;
    margin: 0;
}

.usk-tool .usk-results-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

/* Hero result cards */
.usk-tool .usk-result-hero-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
}

@media (min-width: 480px) {
    .usk-tool .usk-result-hero-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 900px) {
    .usk-tool .usk-result-hero-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.usk-tool .usk-result-hero-card {
    padding: 24px 20px;
    border-right: 1px solid #E5E7EB;
    border-bottom: 1px solid #E5E7EB;
    display: flex;
    flex-direction: column;
    gap: 4px;
    opacity: 0;
    transform: translateY(8px);
}

.usk-tool .usk-result-hero-card.usk-animate-in {
    animation: usk-card-in 0.35s ease forwards;
}

@keyframes usk-card-in {
    to { opacity: 1; transform: translateY(0); }
}

.usk-tool .usk-result-hero-card:last-child {
    border-right: none;
}

.usk-tool .usk-result-hero-icon {
    font-size: 22px;
    line-height: 1;
    margin-bottom: 6px;
}

.usk-tool .usk-result-hero-label {
    font-size: 12px;
    color: #64748B;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.usk-tool .usk-result-hero-value {
    font-size: clamp(20px, 3vw, 28px);
    font-weight: 800;
    color: #0F172A;
    line-height: 1.1;
    letter-spacing: -0.01em;
}

.usk-tool .usk-result-hero-sub {
    font-size: 12px;
    color: #94A3B8;
    margin-top: 2px;
}

.usk-tool .usk-result-hero--primary  { background: #F0FDF4; }
.usk-tool .usk-result-hero--primary .usk-result-hero-value  { color: #10B981; }
.usk-tool .usk-result-hero--secondary { background: #EFF6FF; }
.usk-tool .usk-result-hero--secondary .usk-result-hero-value { color: #1D4ED8; }
.usk-tool .usk-result-hero--neutral   { background: #F8FAFC; }
.usk-tool .usk-result-hero--rate      { background: #FFFBEB; }
.usk-tool .usk-result-hero--rate .usk-result-hero-value { color: #B45309; }

/* Breakdown section */
.usk-tool .usk-breakdown-section {
    padding: 24px 20px;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-breakdown-title {
    font-size: 15px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 16px;
}

.usk-tool .usk-breakdown-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
}

@media (min-width: 480px) {
    .usk-tool .usk-breakdown-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 900px) {
    .usk-tool .usk-breakdown-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.usk-tool .usk-breakdown-card {
    background: #F8FAFC;
    border: 1px solid #E5E7EB;
    border-radius: 10px;
    padding: 16px;
}

.usk-tool .usk-breakdown-card--pretax {
    opacity: 0.85;
}

.usk-tool .usk-breakdown-card-header {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 8px;
}

.usk-tool .usk-breakdown-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    flex-shrink: 0;
}

.usk-tool .usk-breakdown-label {
    font-size: 12px;
    font-weight: 600;
    color: #475569;
    line-height: 1.3;
}

.usk-tool .usk-breakdown-amount {
    font-size: 20px;
    font-weight: 800;
    color: #0F172A;
    line-height: 1.1;
    margin-bottom: 10px;
}

.usk-tool .usk-breakdown-bar-wrap {
    height: 6px;
    background: #E5E7EB;
    border-radius: 100px;
    overflow: hidden;
    margin-bottom: 6px;
}

.usk-tool .usk-breakdown-bar {
    height: 100%;
    border-radius: 100px;
    transition: width 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

.usk-tool .usk-breakdown-pct {
    font-size: 11px;
    color: #94A3B8;
    font-weight: 500;
}

/* Annual Summary Table */
.usk-tool .usk-annual-summary {
    padding: 24px 20px;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-table-wrapper {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    border-radius: 8px;
    border: 1px solid #E5E7EB;
}

.usk-tool .usk-results-table,
.usk-tool .usk-data-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
    background: #fff;
    min-width: 480px;
}

.usk-tool .usk-results-table th,
.usk-tool .usk-data-table th {
    background: #F8FAFC;
    font-size: 12px;
    font-weight: 700;
    color: #475569;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    padding: 11px 16px;
    text-align: left;
    border-bottom: 1px solid #E5E7EB;
    white-space: nowrap;
}

.usk-tool .usk-results-table td,
.usk-tool .usk-data-table td {
    padding: 11px 16px;
    border-bottom: 1px solid #F1F5F9;
    color: #0F172A;
    vertical-align: middle;
}

.usk-tool .usk-text-right {
    text-align: right !important;
}

.usk-tool .usk-table-row--gross td {
    background: #F8FAFC;
    font-weight: 700;
}

.usk-tool .usk-table-row--pretax td {
    color: #475569;
    font-style: italic;
}

.usk-tool .usk-table-row--separator td {
    padding: 0;
    height: 2px;
    background: #E5E7EB;
    border: none;
}

.usk-tool .usk-table-row--total td {
    background: #EFF6FF;
    font-weight: 700;
    border-top: 2px solid #1D4ED8;
}

.usk-tool .usk-table-row--net td {
    background: #F0FDF4;
    border-bottom: none;
}

.usk-tool .usk-net-value {
    color: #10B981;
}

.usk-tool .usk-table-row--footnote td {
    font-size: 12px;
    color: #64748B;
    background: #F8FAFC;
    padding: 10px 16px;
    border-bottom: none;
}

/* Chart Area */
.usk-tool .usk-chart-area {
    padding: 24px 20px;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-chart-container {
    max-width: 420px;
    margin: 0 auto;
}

/* Insights */
.usk-tool .usk-insights-section {
    padding: 24px 20px;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-insights-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
}

@media (min-width: 640px) {
    .usk-tool .usk-insights-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.usk-tool .usk-insight-card {
    display: flex;
    gap: 14px;
    padding: 16px;
    border-radius: 10px;
    border: 1px solid;
}

.usk-tool .usk-insight--info {
    background: #EFF6FF;
    border-color: #BFDBFE;
}

.usk-tool .usk-insight--success {
    background: #F0FDF4;
    border-color: #A7F3D0;
}

.usk-tool .usk-insight--warning {
    background: #FFFBEB;
    border-color: #FDE68A;
}

.usk-tool .usk-insight--tip {
    background: #F5F3FF;
    border-color: #DDD6FE;
}

.usk-tool .usk-insight-icon {
    font-size: 22px;
    line-height: 1;
    flex-shrink: 0;
    margin-top: 2px;
}

.usk-tool .usk-insight-title {
    font-size: 13px;
    font-weight: 700;
    color: #0F172A;
    margin-bottom: 4px;
    line-height: 1.3;
}

.usk-tool .usk-insight-msg {
    font-size: 13px;
    color: #475569;
    line-height: 1.5;
}

.usk-tool .usk-no-insights {
    font-size: 14px;
    color: #94A3B8;
    margin: 0;
}

/* Results disclaimer */
.usk-tool .usk-results-disclaimer {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 12px;
    color: #64748B;
    line-height: 1.5;
    padding: 16px 20px;
    background: #F8FAFC;
    margin: 0;
}

.usk-tool .usk-results-disclaimer svg {
    flex-shrink: 0;
    margin-top: 2px;
    color: #94A3B8;
}

.usk-tool .usk-results-disclaimer a {
    color: #1D4ED8;
    text-decoration: underline;
    text-underline-offset: 2px;
}

/* ═══════════════════════════════════════════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-how-it-works {
    margin-bottom: 40px;
}

.usk-tool .usk-steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

@media (min-width: 600px) {
    .usk-tool .usk-steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 960px) {
    .usk-tool .usk-steps-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.usk-tool .usk-step-card {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    padding: 20px;
    position: relative;
}

.usk-tool .usk-step-number {
    width: 32px;
    height: 32px;
    background: #EFF6FF;
    color: #1D4ED8;
    border-radius: 50%;
    font-size: 15px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 12px;
    flex-shrink: 0;
}

.usk-tool .usk-step-card h3 {
    font-size: 14px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 8px;
}

.usk-tool .usk-step-card p {
    font-size: 13px;
    color: #475569;
    margin: 0;
    line-height: 1.6;
}

/* ═══════════════════════════════════════════════════════════════════════════
   KEY INFORMATION SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-key-info {
    margin-bottom: 40px;
}

.usk-tool .usk-info-blocks {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.usk-tool .usk-info-block {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    padding: 20px;
}

.usk-tool .usk-info-block h3 {
    font-size: 16px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 16px;
    padding-bottom: 10px;
    border-bottom: 1px solid #E5E7EB;
}

.usk-tool .usk-info-block p {
    font-size: 14px;
    color: #475569;
    margin: 0 0 12px;
    line-height: 1.7;
}

.usk-tool .usk-info-block p:last-child {
    margin-bottom: 0;
}

.usk-tool .usk-table-note {
    font-size: 12px;
    color: #94A3B8;
    margin: 10px 0 0 !important;
    font-style: italic;
}

/* FICA cards */
.usk-tool .usk-fica-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
}

@media (max-width: 480px) {
    .usk-tool .usk-fica-cards {
        grid-template-columns: 1fr;
    }
}

.usk-tool .usk-fica-card {
    background: #F8FAFC;
    border: 1px solid #E5E7EB;
    border-radius: 10px;
    padding: 16px;
    text-align: center;
}

.usk-tool .usk-fica-rate {
    font-size: 26px;
    font-weight: 800;
    color: #1D4ED8;
    line-height: 1.1;
    margin-bottom: 4px;
}

.usk-tool .usk-fica-name {
    font-size: 13px;
    font-weight: 700;
    color: #0F172A;
    margin-bottom: 4px;
}

.usk-tool .usk-fica-note {
    font-size: 11px;
    color: #64748B;
    line-height: 1.4;
}

/* Lists inside info blocks */
.usk-tool .usk-list {
    list-style: none;
    padding: 0;
    margin: 12px 0;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.usk-tool .usk-list li {
    font-size: 14px;
    color: #475569;
    line-height: 1.5;
    padding-left: 20px;
    position: relative;
}

.usk-tool .usk-list li::before {
    content: '→';
    position: absolute;
    left: 0;
    color: #1D4ED8;
    font-weight: 700;
}

.usk-tool .usk-link {
    color: #1D4ED8;
    text-decoration: underline;
    text-underline-offset: 2px;
    font-weight: 500;
    transition: color 0.15s ease;
}

.usk-tool .usk-link:hover {
    color: #1E40AF;
}

/* ═══════════════════════════════════════════════════════════════════════════
   DATA TABLE (key info tables)
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-data-table {
    min-width: 420px;
}

.usk-tool .usk-data-table tbody tr:hover {
    background: #F8FAFC;
}

.usk-tool .usk-data-table tbody tr:last-child td {
    border-bottom: none;
}

/* ═══════════════════════════════════════════════════════════════════════════
   REAL EXAMPLES SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-examples {
    margin-bottom: 40px;
}

.usk-tool .usk-examples-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
    margin-bottom: 16px;
}

@media (min-width: 640px) {
    .usk-tool .usk-examples-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.usk-tool .usk-example-card {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    overflow: hidden;
}

.usk-tool .usk-example-header {
    background: #F8FAFC;
    border-bottom: 1px solid #E5E7EB;
    padding: 14px 18px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.usk-tool .usk-example-badge {
    display: inline-flex;
    align-items: center;
    padding: 2px 10px;
    background: #EFF6FF;
    color: #1D4ED8;
    border-radius: 100px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.03em;
    width: fit-content;
}

.usk-tool .usk-example-badge--green  { background: #F0FDF4; color: #10B981; }
.usk-tool .usk-example-badge--purple { background: #F5F3FF; color: #7C3AED; }

.usk-tool .usk-example-header h3 {
    font-size: 14px;
    font-weight: 700;
    color: #0F172A;
    margin: 4px 0 0;
}

.usk-tool .usk-example-body {
    padding: 16px 18px;
}

.usk-tool .usk-example-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 5px 0;
    font-size: 13px;
    gap: 8px;
}

.usk-tool .usk-example-row span:first-child {
    color: #64748B;
    flex-shrink: 0;
}

.usk-tool .usk-example-row strong {
    color: #0F172A;
    font-weight: 600;
    text-align: right;
}

.usk-tool .usk-example-divider {
    height: 1px;
    background: #E5E7EB;
    margin: 10px 0;
}

.usk-tool .usk-example-row--highlight {
    background: #F0FDF4;
    border-radius: 6px;
    padding: 6px 8px;
    margin: 4px -4px 0;
}

.usk-tool .usk-example-row--highlight strong {
    color: #10B981;
    font-weight: 700;
    font-size: 14px;
}

.usk-tool .usk-examples-note {
    font-size: 13px;
    color: #64748B;
    line-height: 1.6;
    margin: 0;
}

/* ═══════════════════════════════════════════════════════════════════════════
   FAQ SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-faq {
    margin-bottom: 40px;
}

.usk-tool .usk-faq-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.usk-tool .usk-faq-item {
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 10px;
    overflow: hidden;
}

.usk-tool .usk-faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    width: 100%;
    padding: 16px 20px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-size: 15px;
    font-weight: 600;
    color: #0F172A;
    line-height: 1.4;
    transition: background 0.15s ease;
    min-height: 48px;
}

.usk-tool .usk-faq-question:hover {
    background: #F8FAFC;
}

.usk-tool .usk-faq-question:focus {
    outline: 2px solid #1D4ED8;
    outline-offset: -2px;
    border-radius: 10px;
}

.usk-tool .usk-faq-icon {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: #EFF6FF;
    color: #1D4ED8;
    font-size: 16px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.15s ease, transform 0.2s ease;
    line-height: 1;
}

.usk-tool .usk-faq-icon::before {
    content: '+';
}

.usk-tool .usk-faq-question[aria-expanded="true"] .usk-faq-icon {
    background: #1D4ED8;
    color: #fff;
    transform: rotate(45deg);
}

.usk-tool .usk-faq-answer {
    padding: 0 20px 18px;
    border-top: 1px solid #E5E7EB;
    animation: usk-faq-open 0.2s ease;
}

@keyframes usk-faq-open {
    from { opacity: 0; transform: translateY(-6px); }
    to   { opacity: 1; transform: translateY(0); }
}

.usk-tool .usk-faq-answer p {
    font-size: 14px;
    color: #475569;
    line-height: 1.7;
    margin: 14px 0 0;
}

.usk-tool .usk-faq-answer p a {
    color: #1D4ED8;
    text-decoration: underline;
    text-underline-offset: 2px;
}

/* ═══════════════════════════════════════════════════════════════════════════
   RELATED TOOLS
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-related-tools {
    margin-bottom: 40px;
}

.usk-tool .usk-related-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
}

@media (min-width: 480px) {
    .usk-tool .usk-related-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 900px) {
    .usk-tool .usk-related-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.usk-tool .usk-related-card {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 10px;
    text-decoration: none;
    transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
    min-height: 64px;
}

.usk-tool .usk-related-card:hover {
    border-color: #1D4ED8;
    box-shadow: 0 2px 12px rgba(29, 78, 216, 0.1);
    background: #EFF6FF;
}

.usk-tool .usk-related-icon {
    font-size: 22px;
    flex-shrink: 0;
    line-height: 1;
}

.usk-tool .usk-related-content {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}

.usk-tool .usk-related-name {
    font-size: 13px;
    font-weight: 700;
    color: #0F172A;
    line-height: 1.3;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.usk-tool .usk-related-desc {
    font-size: 11px;
    color: #64748B;
    line-height: 1.4;
    overflow: hidden;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
}

/* ═══════════════════════════════════════════════════════════════════════════
   DATA SOURCES SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-sources {
    margin-bottom: 32px;
}

.usk-tool .usk-sources-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
}

@media (min-width: 640px) {
    .usk-tool .usk-sources-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

.usk-tool .usk-source-item {
    display: flex;
    gap: 14px;
    background: #F8FAFC;
    border: 1px solid #E5E7EB;
    border-radius: 10px;
    padding: 16px;
}

.usk-tool .usk-source-icon {
    font-size: 22px;
    flex-shrink: 0;
    line-height: 1;
    margin-top: 2px;
}

.usk-tool .usk-source-content {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.usk-tool .usk-source-content strong {
    font-size: 13px;
    font-weight: 700;
    color: #0F172A;
}

.usk-tool .usk-source-content span {
    font-size: 12px;
    color: #64748B;
    line-height: 1.5;
}

.usk-tool .usk-source-link {
    font-size: 12px;
    color: #1D4ED8;
    text-decoration: underline;
    text-underline-offset: 2px;
    font-weight: 500;
    width: fit-content;
}

.usk-tool .usk-source-link:hover {
    color: #1E40AF;
}

/* ═══════════════════════════════════════════════════════════════════════════
   PRIVACY SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-privacy {
    margin-bottom: 32px;
}

.usk-tool .usk-privacy-inner {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: #F0FDF4;
    border: 1px solid #A7F3D0;
    border-radius: 12px;
    padding: 20px 22px;
}

.usk-tool .usk-privacy-icon {
    color: #10B981;
    flex-shrink: 0;
    margin-top: 2px;
}

.usk-tool .usk-privacy-title {
    font-size: 15px;
    font-weight: 700;
    color: #0F172A;
    margin: 0 0 6px;
}

.usk-tool .usk-privacy-content p {
    font-size: 13px;
    color: #475569;
    margin: 0;
    line-height: 1.6;
}

/* ═══════════════════════════════════════════════════════════════════════════
   TRUST / DEVELOPER SECTION
═══════════════════════════════════════════════════════════════════════════ */

.usk-tool .usk-trust {
    margin-bottom: 48px;
}

.usk-tool .usk-trust-card {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    background: #fff;
    border: 1px solid #E5E7EB;
    border-radius: 12px;
    padding: 20px 22px;
    box-shadow: 0 1px 6px rgba(15, 23, 42, 0.04);
}

.usk-tool .usk-trust-avatar {
    flex-shrink: 0;
    position: relative;
}

.usk-tool .usk-trust-img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid #E5E7EB;
}

.usk-tool .usk-trust-initials {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: #1D4ED8;
    color: #fff;
    font-size: 20px;
    font-weight: 700;
    align-items: center;
    justify-content: center;
    border: 2px solid #E5E7EB;
}

.usk-tool .usk-trust-body {
    flex: 1;
    min-width: 0;
}

.usk-tool .usk-trust-meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    margin-bottom: 8px;
}

.usk-tool .usk-trust-label {
    font-size: 12px;
    color: #64748B;
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.usk-tool .usk-trust-name {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 15px;
    font-weight: 700;
    color: #1D4ED8;
    text-decoration: none;
    transition: color 0.15s ease;
}

.usk-tool .usk-trust-name:hover {
    color: #1E40AF;
    text-decoration: underline;
    text-underline-offset: 2px;
}

.usk-tool .usk-trust-statement {
    font-size: 13px;
    color: #475569;
    margin: 0 0 10px;
    line-height: 1.6;
}

.usk-tool .usk-trust-footer {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    font-size: 12px;
    color: #94A3B8;
}

.usk-tool .usk-trust-updated {
    display: flex;
    align-items: center;
    gap: 4px;
}

.usk-tool .usk-trust-dot {
    color: #CBD5E1;
}

.usk-tool .usk-trust-basis {
    color: #94A3B8;
}

/* ═══════════════════════════════════════════════════════════════════════════
   MOBILE RESPONSIVE OVERRIDES
═══════════════════════════════════════════════════════════════════════════ */

@media (max-width: 640px) {
    .usk-tool {
        padding: 0 12px;
    }

    .usk-tool .usk-hero {
        padding: 28px 18px;
        border-radius: 12px;
    }

    .usk-tool .usk-hero-stats {
        gap: 8px;
    }

    .usk-tool .usk-hero-stat {
        padding: 8px 12px;
        min-width: 70px;
    }

    .usk-tool .usk-fieldset {
        padding: 18px 16px;
    }

    .usk-tool .usk-calc-header {
        padding: 16px;
    }

    .usk-tool .usk-form-actions {
        padding: 16px;
        flex-direction: column;
    }

    .usk-tool .usk-btn-lg {
        width: 100%;
        justify-content: center;
    }

    .usk-tool .usk-btn-ghost {
        width: 100%;
        justify-content: center;
    }

    .usk-tool .usk-results-header {
        flex-direction: column;
        align-items: flex-start;
    }

    .usk-tool .usk-results-actions {
        width: 100%;
    }

    .usk-tool .usk-results-actions .usk-btn {
        flex: 1;
        justify-content: center;
        font-size: 12px;
        padding: 8px 10px;
    }

    .usk-tool .usk-breakdown-section,
    .usk-tool .usk-annual-summary,
    .usk-tool .usk-chart-area,
    .usk-tool .usk-insights-section {
        padding: 18px 14px;
    }

    .usk-tool .usk-trust-card {
        flex-direction: column;
        align-items: center;
        text-align: center;
        padding: 18px 16px;
    }

    .usk-tool .usk-trust-meta {
        justify-content: center;
    }

    .usk-tool .usk-trust-footer {
        justify-content: center;
    }

    .usk-tool .usk-privacy-inner {
        flex-direction: column;
        align-items: center;
        text-align: center;
        padding: 16px;
    }

    .usk-tool .usk-result-hero-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .usk-tool .usk-result-hero-card {
        padding: 16px 14px;
    }

    .usk-tool .usk-result-hero-value {
        font-size: 18px;
    }

    .usk-tool .usk-example-card + .usk-example-card {
        margin-top: 0;
    }
}

@media (max-width: 380px) {
    .usk-tool .usk-result-hero-grid {
        grid-template-columns: 1fr;
    }

    .usk-tool .usk-hero-stats {
        display: grid;
        grid-template-columns: repeat(2, 1fr);
    }
}

/* ═══════════════════════════════════════════════════════════════════════════
   PRINT STYLES
═══════════════════════════════════════════════════════════════════════════ */

@media print {
    .usk-tool .usk-hero {
        background: #1D4ED8 !important;
        -webkit-print-color-adjust: exact;
        print-color-adjust: exact;
    }

    .usk-tool .usk-form-actions,
    .usk-tool .usk-results-actions,
    .usk-tool .usk-related-tools,
    .usk-tool .usk-audience {
        display: none !important;
    }

    .usk-tool .usk-calculator-section {
        display: none !important;
    }

    .usk-tool .usk-results-section {
        box-shadow: none !important;
        border: 1px solid #E5E7EB !important;
    }

    .usk-tool .usk-breakdown-bar {
        -webkit-print-color-adjust: exact;
        print-color-adjust: exact;
    }

    .usk-tool .usk-result-hero--primary,
    .usk-tool .usk-result-hero--secondary,
    .usk-tool .usk-result-hero--neutral,
    .usk-tool .usk-result-hero--rate {
        -webkit-print-color-adjust: exact;
        print-color-adjust: exact;
    }

    .usk-tool * {
        page-break-inside: avoid;
    }
}