:root{--fi-navy:#0b2345;--fi-gold:#b98b18;--fi-green:#2e8b57;--fi-cream:#f8f4e9;--fi-line:#e8dfca;--fi-muted:#6c665d;--fi-red:#a63b32;--fi-white:#fff}
.fi-hero{background:linear-gradient(135deg,#fbf8f1 0%,#fff 56%,#f4f8f4 100%);padding:56px 0 38px;border-bottom:1px solid var(--fi-line)}
.fi-hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:42px;align-items:center}
.fi-kicker{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:#6d540d;margin:12px 0}
.fi-kicker:before{content:"";width:8px;height:8px;border-radius:50%;background:#36a66a;box-shadow:0 0 0 4px #e6f5ec}
.fi-hero h1{font:800 clamp(40px,5vw,70px)/.98 Manrope,Inter,sans-serif;letter-spacing:-.055em;max-width:780px;margin:6px 0 16px;color:#090909}
.fi-hero p{font-size:18px;line-height:1.65;max-width:760px;color:#5e574d;margin:0}
.fi-hero-panel{background:#0d284e;border-radius:28px;padding:28px;color:white;box-shadow:0 24px 60px rgba(11,35,69,.16);position:relative;overflow:hidden}
.fi-hero-panel:after{content:"";position:absolute;width:180px;height:180px;border-radius:50%;right:-60px;top:-65px;background:rgba(255,193,63,.24)}
.fi-hero-panel h3{font:800 24px/1.15 Manrope,Inter,sans-serif;margin:0 0 14px;color:white;position:relative;z-index:1}.fi-hero-panel p{color:#dfe8f3;font-size:14px;line-height:1.55;position:relative;z-index:1}.fi-rate-stack{display:grid;gap:10px;margin-top:22px;position:relative;z-index:1}.fi-rate-row{display:flex;justify-content:space-between;gap:12px;padding:12px 14px;border:1px solid rgba(255,255,255,.16);border-radius:14px;background:rgba(255,255,255,.07);font-size:13px}.fi-rate-row strong{color:#ffd978}
.fi-section{padding:60px 0}.fi-section.alt{background:#fbfaf6}.fi-head{display:grid;grid-template-columns:1fr minmax(280px,.65fr);gap:28px;align-items:end;margin-bottom:28px}.fi-head h2{font:800 clamp(30px,4vw,48px)/1.05 Manrope,Inter,sans-serif;letter-spacing:-.035em;margin:0}.fi-head p{margin:0;color:#6e665c;line-height:1.6}
.fi-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.fi-card{display:flex;flex-direction:column;min-height:292px;padding:24px;border:1px solid var(--fi-line);border-radius:24px;background:white;text-decoration:none;color:inherit;box-shadow:0 7px 24px rgba(30,38,45,.045);transition:.18s ease}.fi-card:hover{transform:translateY(-4px);box-shadow:0 16px 38px rgba(30,38,45,.09);border-color:#d8c58d}.fi-card-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:22px}.fi-icon{width:66px;height:66px;border-radius:20px;background:linear-gradient(145deg,#102f5b,#071c38);color:#f4c95d;display:grid;place-items:center;font:800 17px/1 Manrope,Inter,sans-serif;letter-spacing:.02em;box-shadow:inset 0 0 0 1px rgba(255,255,255,.12)}.fi-badge{font-size:11px;font-weight:800;border-radius:999px;padding:7px 9px;background:#edf7f0;color:#206d43}.fi-badge.taxable{background:#fff1e6;color:#8e4b10}.fi-badge.exempt{background:#eaf7ee;color:#236c41}.fi-badge.market{background:#eef2fa;color:#274a7d}.fi-card h3{font:800 22px/1.15 Manrope,Inter,sans-serif;margin:0 0 10px}.fi-card p{font-size:14px;line-height:1.55;color:#686158;margin:0 0 18px}.fi-mini{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:auto}.fi-mini span{font-size:11px;color:#6c665d;background:#f7f4ec;border-radius:10px;padding:8px 9px}.fi-open{margin-top:16px;font-size:13px;font-weight:800;color:#8a6500}
.fi-tax-wrap{background:#0d284e;color:white;border-radius:30px;padding:34px}.fi-tax-title{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:start}.fi-tax-title h2{font:800 clamp(30px,4vw,44px)/1.05 Manrope,Inter,sans-serif;margin:0;color:white}.fi-tax-title p{margin:8px 0 0;color:#dbe5ef;max-width:780px;line-height:1.6}.fi-tax-year{padding:9px 12px;border-radius:999px;background:#f3c85a;color:#182132;font-size:12px;font-weight:800;white-space:nowrap}.fi-slabs{display:grid;grid-template-columns:repeat(7,1fr);gap:8px;margin:28px 0}.fi-slab{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);padding:12px 8px;border-radius:14px;text-align:center}.fi-slab strong{display:block;color:#ffdd83;font-size:18px}.fi-slab span{display:block;font-size:10px;line-height:1.3;color:#d8e1eb;margin-top:5px}.fi-examples{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.fi-example{border:1px solid rgba(255,255,255,.15);border-radius:20px;padding:18px;background:rgba(255,255,255,.065)}.fi-example small{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#b8c7d6}.fi-example h3{font:800 28px/1 Manrope,Inter,sans-serif;margin:8px 0 10px;color:white}.fi-example .tax{font-size:16px;font-weight:800;color:#ffdd83}.fi-example p{font-size:12px;color:#d8e1eb;line-height:1.5;margin:8px 0 0}.fi-tax-note{font-size:12px;color:#b9c8d7;line-height:1.55;margin-top:16px}
.fi-compare{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.fi-compare>div{border:1px solid var(--fi-line);border-radius:18px;background:white;padding:17px}.fi-compare small{display:block;color:#7a7269;text-transform:uppercase;letter-spacing:.07em;font-size:10px}.fi-compare strong{display:block;margin-top:7px;font-size:16px}
.fi-guide-hero{padding:46px 0 30px;background:#fbf8f1;border-bottom:1px solid var(--fi-line)}.fi-guide-hero h1{font:800 clamp(36px,5vw,60px)/1 Manrope,Inter,sans-serif;letter-spacing:-.045em;margin:10px 0 14px}.fi-guide-hero p{max-width:760px;color:#625b52;font-size:17px;line-height:1.6}.fi-guide-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}.fi-pill{border-radius:999px;padding:8px 11px;background:white;border:1px solid var(--fi-line);font-size:12px;font-weight:700;color:#493f32}
.fi-guide-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;align-items:start}.fi-content{display:grid;gap:22px}.fi-box{border:1px solid var(--fi-line);border-radius:24px;padding:26px;background:white}.fi-box h2{font:800 27px/1.1 Manrope,Inter,sans-serif;margin:0 0 14px}.fi-box h3{font:800 18px/1.2 Manrope,Inter,sans-serif;margin:18px 0 8px}.fi-box p,.fi-box li{color:#625b52;line-height:1.65;font-size:15px}.fi-box ul{margin:10px 0 0;padding-left:20px}.fi-facts{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.fi-fact{padding:14px;border-radius:14px;background:#f7f4ec}.fi-fact small{display:block;color:#81786e;font-size:10px;text-transform:uppercase;letter-spacing:.07em}.fi-fact strong{display:block;margin-top:5px;font-size:14px}.fi-taxbox{border-left:5px solid #2e8b57;background:#f4fbf7}.fi-warning{border-left:5px solid #d3a636;background:#fffaf0}.fi-sidebar{position:sticky;top:94px;display:grid;gap:14px}.fi-side-card{border:1px solid var(--fi-line);border-radius:20px;padding:18px;background:#fbfaf6}.fi-side-card h3{font:800 17px/1.2 Manrope,Inter,sans-serif;margin:0 0 10px}.fi-side-card a{display:block;padding:8px 0;border-top:1px solid #ebe4d7;color:#604d18;text-decoration:none;font-size:13px}.fi-side-card a:first-of-type{border-top:0}.fi-source-list{display:grid;gap:8px}.fi-source-list a{display:flex;justify-content:space-between;gap:8px;padding:11px 12px;background:#f7f4ec;border-radius:12px;text-decoration:none;color:#4f431f;font-size:13px;font-weight:700}.fi-back{display:inline-flex;gap:7px;align-items:center;text-decoration:none;color:#795e0b;font-weight:800;font-size:13px}.fi-disclaimer{font-size:12px;color:#746d64;line-height:1.55;background:#faf8f2;border:1px solid var(--fi-line);padding:14px;border-radius:14px}
@media(max-width:980px){.fi-hero-grid,.fi-head,.fi-guide-layout{grid-template-columns:1fr}.fi-grid{grid-template-columns:repeat(2,1fr)}.fi-sidebar{position:static}.fi-slabs{grid-template-columns:repeat(4,1fr)}.fi-compare{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.fi-hero{padding-top:34px}.fi-grid,.fi-examples,.fi-facts,.fi-compare{grid-template-columns:1fr}.fi-slabs{grid-template-columns:repeat(2,1fr)}.fi-tax-wrap{padding:24px 18px;border-radius:22px}.fi-tax-title{grid-template-columns:1fr}.fi-card{min-height:0}.fi-guide-hero h1{font-size:40px}}


/* V26: instrument-specific tax examples + plain-English tax glossary */
.fi-tax-assumption{margin:22px 0 18px;padding:16px 18px;border-radius:16px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.15);font-size:14px;line-height:1.55;color:#edf3f8}.fi-tax-assumption strong{color:#ffdd83}
.fi-personas{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.fi-persona{border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:18px;background:rgba(255,255,255,.065)}.fi-persona small{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:#b8c7d6}.fi-persona h3{font:800 27px/1 Manrope,Inter,sans-serif;margin:8px 0 8px;color:white}.fi-persona .fi-after{font-size:12px;color:#c9d7e4;margin:0 0 10px}.fi-persona .fi-extra-tax{font-size:16px;font-weight:800;color:#ffdd83}.fi-persona p{font-size:12px;line-height:1.5;color:#d8e1eb;margin:8px 0 0}.fi-persona.boundary{box-shadow:inset 0 0 0 1px rgba(255,217,120,.22)}
.fi-threshold-note{margin-top:16px;padding:14px 16px;border-radius:14px;background:#fff5d7;color:#4d3a07;font-size:12px;line-height:1.55}.fi-threshold-note strong{color:#2f2408}.fi-instrument-note{margin-top:14px;color:#c8d4df;font-size:12px;line-height:1.55}
.fi-glossary-box{background:#fffdf8}.fi-glossary-intro{margin-top:-4px!important}.fi-glossary{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:16px}.fi-term{padding:14px 15px;border-radius:15px;background:#f7f4ec;border:1px solid #eee6d5}.fi-term strong{display:block;font-size:14px;color:#172a43;margin-bottom:5px}.fi-term span{display:block;font-size:12px;line-height:1.55;color:#6a6259}
.fi-tax-overview-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:24px}.fi-tax-overview-card{padding:18px;border-radius:18px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14)}.fi-tax-overview-card strong{display:block;color:#ffdd83;font-size:16px;margin-bottom:7px}.fi-tax-overview-card p{font-size:12px!important;line-height:1.55!important;color:#d8e1eb!important;margin:0!important}.fi-click-tax{margin-top:16px;padding:14px 16px;border-radius:14px;background:#fff5d7;color:#4d3a07;font-size:13px;line-height:1.55}
.fi-scheme-tax-mini{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:14px}.fi-scheme-tax-mini>div{border:1px solid rgba(255,255,255,.15);border-radius:15px;padding:14px;background:rgba(255,255,255,.05)}.fi-scheme-tax-mini strong{display:block;color:#ffdd83;font-size:13px;margin-bottom:5px}.fi-scheme-tax-mini span{font-size:11px;color:#d8e1eb;line-height:1.5;display:block}
@media(max-width:980px){.fi-tax-overview-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.fi-personas,.fi-glossary,.fi-tax-overview-grid,.fi-scheme-tax-mini{grid-template-columns:1fr}.fi-persona h3{font-size:24px}}