/* FOOTER */
.md-footer { background: var(--md-navy); border-top: 1px solid rgba(255,255,255,.07); padding: 56px 0 0; color: #fff; }
.md-footer__inner { max-width: 1440px; margin: 0 auto; padding: 0 32px; }
.md-footer__body { padding: 0 0 40px; }
.md-footer__grid { display: grid; grid-template-columns: 240px repeat(5, 1fr); gap: 0 24px; }
.md-footer__brand { }
.md-footer__logo { margin-bottom: 14px; }
.md-footer__logo img { height: 28px; }
.md-footer__tagline { font-size: 12.5px; color: rgba(255,255,255,.45); line-height: 1.6; margin-bottom: 18px; max-width: 200px; }
.md-footer__contact { display: flex; flex-direction: column; gap: 8px; margin-bottom: 18px; }
.md-footer__contact-row { display: flex; align-items: flex-start; gap: 9px; font-size: 12.5px; color: rgba(255,255,255,.52); line-height: 1.5; }
.md-footer__contact-row i { font-size: 13px; color: var(--md-yellow); flex-shrink: 0; margin-top: 2px; width: 14px; text-align: center; }
.md-footer__contact-row a { color: rgba(255,255,255,.52); text-decoration: none; transition: color .18s ease; word-break: break-word; }
.md-footer__contact-row a:hover { color: #fff; }
.md-footer__social-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; color: rgba(255,255,255,.28); margin-bottom: 8px; }
.md-footer__social-icons { display: flex; gap: 7px; flex-wrap: wrap; }
.md-footer__social-icon { width: 30px; height: 30px; border-radius: 50%; border: 1px solid rgba(255,255,255,.12); display: flex; align-items: center; justify-content: center; font-size: 12.5px; color: rgba(255,255,255,.45); text-decoration: none; flex-shrink: 0; transition: background .18s ease, border-color .18s ease, color .18s ease; }
.md-footer__social-icon:hover { background: var(--md-blue); border-color: var(--md-blue); color: #fff; }
.md-footer__nav-col { min-width: 0; }
.md-footer__nav-heading { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .9px; color: var(--md-yellow); margin-bottom: 12px; padding-bottom: 10px; border-bottom: 1px solid rgba(255,255,255,.07); white-space: nowrap; }
.md-footer__nav-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 1px; }
.md-footer__nav-list a { display: flex; align-items: center; gap: 5px; font-size: 12.5px; font-weight: 400; color: rgba(255,255,255,.55); text-decoration: none; padding: 4px 0; transition: color .18s ease, padding-left .18s ease; word-break: break-word; }
.md-footer__nav-list a:hover { color: #fff; padding-left: 5px; }
.md-footer__badge { font-size: 9px; font-weight: 700; background: rgba(45,108,223,.3); color: #7eb5ff; border-radius: 3px; padding: 1px 4px; flex-shrink: 0; margin-left: auto; white-space: nowrap; }
.md-footer__bottom { padding: 16px 0; display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.md-footer__copy { font-size: 11px; color: rgba(255,255,255,.25); text-transform: uppercase; letter-spacing: .3px; line-height: 1.5; }
.md-footer__legal { display: flex; align-items: center; flex-wrap: wrap; gap: 0; }
.md-footer__legal a { font-size: 12px; color: rgba(255,255,255,.4); text-decoration: none; padding: 2px 11px; border-right: 1px solid rgba(255,255,255,.1); transition: color .18s ease; line-height: 1; white-space: nowrap; }
.md-footer__legal a:last-child { border-right: none; padding-right: 0; }
.md-footer__legal a:first-child { padding-left: 0; }
.md-footer__legal a:hover { color: #fff; }
@media (max-width: 900px) { .md-footer__grid { grid-template-columns: repeat(3,1fr); gap: 28px 20px; } .md-footer__brand { grid-column: 1/-1; display: grid; grid-template-columns: 1fr 1fr; gap: 20px 24px; align-items: start; } .md-footer__logo { grid-column: 1/-1; margin-bottom: 0; } }
@media (max-width: 640px) { .md-footer__grid { grid-template-columns: repeat(2,1fr); gap: 24px 16px; } .md-footer__brand { display: flex; flex-direction: column; gap: 16px; } .md-footer__bottom { flex-direction: column; align-items: flex-start; } }
@media (max-width: 480px) { .md-footer__grid { grid-template-columns: 1fr 1fr; gap: 20px 14px; } }
@media (max-width: 360px) { .md-footer__grid { grid-template-columns: 1fr; gap: 20px 0; } }

/* breadcrumb + body-margin */
.body-margin { margin-top: 102px; }
/* ── BREADCRUMB ── */
.breadcrumb-bar {
  background: #fff;
  border-bottom: 1px solid rgba(13, 27, 76, .06);
  height: 64px;
  display: flex;
  align-items: center;
  position: relative;
  z-index: 2;
}

.breadcrumb-bar .container,
.breadcrumb-bar .container-lg {
  display: flex;
  align-items: center;
  height: 100%;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 !important;
  padding: 0 !important;
  background: transparent !important;
  font-family: 'Roboto', sans-serif;
  font-size: 14px !important;
  font-weight: 500;
  line-height: normal;
}

.breadcrumb a {
  color: #7f8aa3;
  transition: color .2s ease;
}

.breadcrumb a:hover {
  color: var(--md-blue);
}

.bc-sep {
  color: #c5cede;
  font-size: 11px;
  display: flex;
  align-items: center;
}

.bc-current {
  color: var(--md-blue);
  font-weight: 700;
}

@media (max-width:768px) {
  .breadcrumb-bar {
    height: 54px;
  }

  .breadcrumb {
    font-size: 12.5px;
    gap: 7px;
  }
}
.btn-cta-primary { display: inline-flex; align-items: center; gap: 6px; background: var(--md-yellow); color: var(--md-navy); font-size: 13px; font-weight: 700; padding: 10px 20px; border-radius: 8px; border: none; text-decoration: none !important; transition: background .18s ease; }
.btn-cta-primary:hover { background: var(--md-yellow-dark); color: var(--md-navy); }
    :root {
      --ann-h: 38px; --nav-h: 64px;
      --md-blue: #2d6cdf; --md-blue-dark: #1a4fad; --md-blue-light: #eef4ff; --md-blue-mid: #b8d0f8;
      --md-navy: #0d1b4c; --md-yellow: #ffc107; --md-yellow-dark: #e6ac00;
      --md-gray-50: #f8fafc; --md-gray-100: #f1f5f9; --md-gray-200: #e2e8f0;
      --md-gray-400: #94a3b8; --md-gray-600: #6b7280; --md-gray-800: #1e293b; --md-text: #111827;
      --radius-sm: 8px; --radius-md: 12px; --radius-lg: 16px; --radius-xl: 24px;
      --shadow-card: 0 2px 12px rgba(0,0,0,.07); --shadow-card-lg: 0 8px 28px rgba(0,0,0,.09);
      --shadow-blue: 0 4px 20px rgba(45,108,223,.18); --t: 0.18s ease;
    }
    *, *::before, *::after { box-sizing: border-box; }
    * { font-family: 'Roboto', sans-serif; }
    a { text-decoration: none !important; color: inherit; }
    body { color: var(--md-text); overflow-x: hidden; background: #fff; }

    /* PAGE LAYOUT */
    .full-wrap { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
    @media (max-width: 1024px) { .full-wrap { padding: 0 16px; } }
    .page-layout { display: grid; grid-template-columns: 220px 1fr; gap: 48px; max-width: 1160px; margin: 0 auto; padding: 0 24px; align-items: start; }
    .article-col { min-width: 0; max-width: 820px; }
    .toc-col { position: sticky; top: 80px; max-height: calc(100vh - 100px); overflow-y: auto; }
    .toc-col::-webkit-scrollbar { width: 3px; }
    .toc-col::-webkit-scrollbar-thumb { background: var(--md-blue-mid); border-radius: 999px; }
    @media (max-width: 1024px) { .page-layout { grid-template-columns: 1fr; padding: 0 16px; } .toc-col { display: none; } }

    /* STICKY TOC */
    .sticky-toc { background: #fff; border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-lg); overflow: hidden; }
    .toc-head { background: var(--md-navy); color: var(--md-yellow); font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; padding: 10px 16px; }
    .toc-nav { display: flex; flex-direction: column; }
    .toc-link { font-size: 12.5px; font-weight: 500; color: var(--md-gray-600); padding: 9px 16px; border-bottom: 1px solid var(--md-gray-200); transition: var(--t); display: block; line-height: 1.4; }
    .toc-link:last-child { border-bottom: none; }
    .toc-link:hover, .toc-link.active { background: var(--md-blue-light); color: var(--md-blue); padding-left: 20px; font-weight: 600; }
    .toc-link.active { border-left: 3px solid var(--md-blue); }

    /* ARTICLE HEADER */
    .article-header { padding: 56px 0 0; background: #fff; }
    .article-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .9px; padding: 4px 14px; border-radius: 999px; background: var(--md-blue-light); color: var(--md-yellow-dark); margin-bottom: 20px; }
    .article-h1 { font-size: clamp(32px,4vw,52px); font-weight: 800; color: var(--md-navy); line-height: 1.1; margin-bottom: 18px; }
    .article-h1 span { color: var(--md-blue); }
    .article-lede { font-size: 16px; color: var(--md-gray-600); line-height: 1.65; margin-bottom: 28px; max-width: 680px; }
    .article-meta { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; padding: 16px 0; border-top: 1px solid var(--md-gray-200); border-bottom: 1px solid var(--md-gray-200); margin-bottom: 40px; }
    .meta-item { font-size: 12.5px; color: var(--md-gray-400); display: flex; align-items: center; gap: 5px; }
    .meta-item i { color: var(--md-blue); }

    /* SECTION LABELS */
    .section-label-pill { display: inline-block; font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .9px; padding: 4px 14px; border-radius: 999px; background: var(--md-blue-light); color: var(--md-yellow-dark); margin-bottom: 12px; }

    /* ARTICLE SECTIONS */
    .article-section { padding: 40px 0; border-top: 1px solid var(--md-gray-200); }
    .article-section:first-of-type { border-top: none; padding-top: 0; }

    /* HEADINGS */
    h2.guide-h2 { font-size: clamp(24px,3.2vw,38px); font-weight: 800; color: var(--md-navy); line-height: 1.18; margin-bottom: 16px; }
    h3.guide-h3 { font-size: 17px; font-weight: 700; color: var(--md-navy); margin: 28px 0 10px; }

    /* BODY TEXT */
    p.guide-p { font-size: 15px; color: var(--md-gray-600); line-height: 1.75; margin-bottom: 18px; }
    p.guide-p strong { color: var(--md-navy); font-weight: 700; }
    p.guide-p a, .inline-guide-link { color: var(--md-blue); font-weight: 600; border-bottom: 1px solid var(--md-blue-mid); transition: var(--t); padding-bottom: 1px; }
    p.guide-p a:hover, .inline-guide-link:hover { color: var(--md-blue-dark); border-bottom-color: var(--md-blue); }
    .inline-guide-link { display: inline-flex; align-items: center; gap: 5px; font-size: 14px; }

    /* QUICK ANSWER */
    .quick-answer { background: linear-gradient(135deg, var(--md-navy) 0%, #1a3080 100%); border-radius: var(--radius-lg); padding: 26px 30px; margin: 0 0 28px; }
    .qa-label { font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .9px; color: var(--md-yellow); margin-bottom: 10px; }
    .qa-text { font-size: 14px; color: rgba(255,255,255,.88); line-height: 1.75; margin: 0; }
    .qa-text strong { color: #fff; }

    /* INLINE TOC */
    .inline-toc { background: var(--md-gray-50); border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-lg); padding: 22px 26px; margin: 0 0 6px; }
    .inline-toc-head { font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .9px; color: var(--md-blue); margin-bottom: 14px; }
    .inline-toc-list { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 2px 20px; counter-reset: toc; }
    @media (max-width: 600px) { .inline-toc-list { grid-template-columns: 1fr; } }
    .inline-toc-list li { counter-increment: toc; }
    .inline-toc-list a { font-size: 13px; font-weight: 500; color: var(--md-gray-800); display: flex; align-items: baseline; gap: 8px; padding: 5px 0; border-bottom: 1px solid var(--md-gray-200); transition: color var(--t); }
    .inline-toc-list a::before { content: counter(toc); font-size: 10px; font-weight: 800; color: var(--md-blue); min-width: 16px; flex-shrink: 0; }
    .inline-toc-list a:hover { color: var(--md-blue); }

    /* SEVERITY BADGE */
    .sev { display: inline-block; font-size: 11px; font-weight: 700; padding: 2px 9px; border-radius: 999px; white-space: nowrap; flex-shrink: 0; }
    .sev-critical { background: #fee2e2; color: #b91c1c; }
    .sev-significant { background: #fef3c7; color: #92400e; }
    .sev-monitor { background: #d1fae5; color: #065f46; }

    /* RED FLAG ITEMS */
    .rf-item { padding: 18px 0; border-bottom: 1px solid var(--md-gray-200); }
    .rf-item:last-child { border-bottom: none; }
    .rf-head { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 8px; }
    .rf-icon { font-size: 14px; flex-shrink: 0; margin-top: 2px; }
    .rf-title { font-size: 14.5px; font-weight: 700; color: var(--md-navy); flex: 1; line-height: 1.4; }
    .rf-body { font-size: 14px; color: var(--md-gray-600); line-height: 1.75; padding-left: 24px; }

    /* TAX / INDIA MATRIX TABLE */
    .rf-table-wrap { border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-lg); overflow: hidden; margin: 20px 0; box-shadow: var(--shadow-card); }
    .rf-table { width: 100%; border-collapse: collapse; }
    .rf-table thead tr { background: var(--md-navy); }
    .rf-table th { padding: 12px 16px; text-align: left; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; color: rgba(255,255,255,.82); }
    .rf-table td { padding: 14px 16px; font-size: 13px; color: var(--md-gray-600); border-bottom: 1px solid var(--md-gray-200); vertical-align: top; line-height: 1.6; }
    .rf-table tr:last-child td { border-bottom: none; }
    .rf-table tr:hover td { background: var(--md-blue-light); }
    .rf-table td:first-child { font-weight: 700; color: var(--md-navy); }
    @media (max-width: 700px) {
      .rf-table-wrap { border: none; border-radius: 0; box-shadow: none; background: transparent; overflow: visible; }
      .rf-table { display: block; width: 100%; }
      .rf-table thead { display: none; }
      .rf-table tbody { display: flex; flex-direction: column; gap: 12px; }
      .rf-table tr { display: block; background: #fff; border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-md); overflow: hidden; }
      .rf-table td { display: block; padding: 10px 14px; border-bottom: 1px solid var(--md-gray-200); font-size: 13px; line-height: 1.6; white-space: normal; word-break: break-word; }
      .rf-table td:last-child { border-bottom: none; }
      .rf-table td:first-child { background: var(--md-navy); color: #fff; font-weight: 700; font-size: 13.5px; }
      .rf-table td::before { content: attr(data-label); font-size: 9.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .7px; color: var(--md-blue); display: block; margin-bottom: 4px; }
      .rf-table td:first-child::before { display: none; }
    }

    /* SUMMARY TABLE */
    .summary-table-wrap { border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-lg); overflow: hidden; margin: 24px 0; box-shadow: var(--shadow-card); }
    .summary-table { width: 100%; border-collapse: collapse; }
    .summary-table thead tr { background: var(--md-navy); }
    .summary-table th { padding: 11px 16px; text-align: left; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .8px; color: rgba(255,255,255,.82); }
    .summary-table td { padding: 12px 16px; font-size: 13px; color: var(--md-gray-600); border-bottom: 1px solid var(--md-gray-200); vertical-align: middle; }
    .summary-table tr:last-child td { border-bottom: none; }
    .summary-table tr:hover td { background: var(--md-blue-light); }
    .summary-table td:first-child { font-weight: 700; color: var(--md-navy); }
    @media (max-width: 640px) {
      .summary-table-wrap { border: none; border-radius: 0; box-shadow: none; background: transparent; overflow: visible; }
      .summary-table { display: block; width: 100%; }
      .summary-table thead { display: none; }
      .summary-table tbody { display: flex; flex-direction: column; gap: 10px; }
      .summary-table tr { display: block; background: #fff; border: 1.5px solid var(--md-gray-200); border-radius: var(--radius-md); overflow: hidden; }
      .summary-table td { display: block; padding: 10px 14px; border-bottom: 1px solid var(--md-gray-200); font-size: 13px; line-height: 1.6; white-space: normal; word-break: break-word; }
      .summary-table td:last-child { border-bottom: none; }
      .summary-table td:first-child { background: var(--md-navy); color: #fff; font-weight: 700; font-size: 13.5px; }
      .summary-table td::before { content: attr(data-label); font-size: 9.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .7px; color: var(--md-blue); display: block; margin-bottom: 4px; }
      .summary-table td:first-child::before { display: none; }
    }

    /* FRAMEWORK BOXES */
    .framework-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 24px 0; }
    @media (max-width: 640px) { .framework-grid { grid-template-columns: 1fr; } }
    .fw-box { border-radius: var(--radius-md); padding: 18px 20px; }
    .fw-box--resolve { background: #fff1f1; border: 1.5px solid #fca5a5; }
    .fw-box--protect { background: #fffbeb; border: 1.5px solid var(--md-yellow); }
    .fw-box--monitor { background: #f0fdf4; border: 1.5px solid #86efac; }
    .fw-box--walk { background: #fef2f2; border: 1.5px solid #ef4444; }
    .fw-box-head { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .8px; margin-bottom: 10px; }
    .fw-box--resolve .fw-box-head { color: #b91c1c; }
    .fw-box--protect .fw-box-head { color: #92400e; }
    .fw-box--monitor .fw-box-head { color: #065f46; }
    .fw-box--walk .fw-box-head { color: #dc2626; }
    .fw-box ul { margin: 0; padding: 0; list-style: none; }
    .fw-box ul li { font-size: 13px; color: var(--md-gray-800); line-height: 1.6; padding: 4px 0 4px 16px; position: relative; }
    .fw-box ul li::before { content: '›'; position: absolute; left: 0; top: 4px; font-size: 14px; font-weight: 700; color: var(--md-blue); }

    /* PIVOT CALLOUT */
    .pivot-callout { background: var(--md-navy); border-radius: var(--radius-lg); padding: 26px 30px; margin: 32px 0; }
    .pivot-callout-label { font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .9px; color: var(--md-yellow); margin-bottom: 12px; }
    .pivot-callout p { font-size: 14px; color: rgba(255,255,255,.82); line-height: 1.75; margin-bottom: 12px; }
    .pivot-callout p:last-child { margin-bottom: 0; }
    .pivot-callout a { color: var(--md-yellow); border-bottom: 1px solid rgba(255,193,7,.35); }

    /* INFO CALLOUT */
    .info-callout { background: var(--md-blue-light); border-left: 3px solid var(--md-blue); border-radius: 0 var(--radius-md) var(--radius-md) 0; padding: 16px 20px; margin: 20px 0; }
    .info-callout-head { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .7px; color: var(--md-blue); margin-bottom: 7px; }
    .info-callout p { font-size: 13.5px; color: var(--md-gray-800); line-height: 1.7; margin: 0; }

    /* BUYER ACTION BOX */
    .buyer-action { background: #fffbeb; border: 1.5px solid var(--md-yellow); border-radius: var(--radius-md); padding: 14px 18px; margin: 24px 0; display: flex; align-items: flex-start; gap: 12px; }
    .buyer-action-icon { font-size: 17px; flex-shrink: 0; margin-top: 1px; }
    .buyer-action-label { font-size: 9.5px; font-weight: 800; text-transform: uppercase; letter-spacing: .8px; color: var(--md-yellow-dark); margin-bottom: 3px; }
    .buyer-action-text { font-size: 13px; color: var(--md-gray-800); line-height: 1.65; margin: 0; }

    /* FAQ */
    .faq-item { border-bottom: 1px solid var(--md-gray-200); }
    .faq-q { display: flex; justify-content: space-between; align-items: center; padding: 16px 0; cursor: pointer; font-size: 14px; font-weight: 600; color: var(--md-navy); transition: var(--t); background: none; border: none; width: 100%; text-align: left; gap: 12px; }
    .faq-q:hover { color: var(--md-blue); }
    .faq-icon { width: 26px; height: 26px; border-radius: 50%; background: var(--md-gray-100); display: flex; align-items: center; justify-content: center; font-size: 16px; color: var(--md-navy); transition: .3s ease; flex-shrink: 0; }
    .faq-item.open .faq-icon { transform: rotate(45deg); background: var(--md-blue-dark); color: #fff; }
    .faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .3s ease; font-size: 13.5px; color: var(--md-gray-600); line-height: 1.7; }
    .faq-item.open .faq-a { max-height: 320px; padding-bottom: 16px; }

    /* RELATED */
    .related-link { display: flex; gap: 12px; padding: 14px 0; border-bottom: 1px solid var(--md-gray-200); align-items: center; color: inherit; transition: var(--t); }
    .related-link:last-of-type { border-bottom: none; }
    .related-link:hover .related-link-title { color: var(--md-blue); }
    .related-link-tag { font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .8px; color: var(--md-blue); margin-bottom: 3px; }
    .related-link-title { font-size: 14.5px; font-weight: 700; color: var(--md-navy); transition: var(--t); }
    .related-link-arrow { color: var(--md-gray-400); margin-left: auto; flex-shrink: 0; }

    /* DISCLAIMER */
    .disclaimer { font-size: 12px; color: var(--md-gray-400); line-height: 1.6; border-top: 1px solid var(--md-gray-200); padding-top: 18px; margin-top: 18px; font-style: italic; }

    /* BUTTONS */
    .btn-primary-md { background: var(--md-blue); color: #fff; font-size: 14px; font-weight: 600; padding: 12px 22px; border-radius: var(--radius-sm); border: none; display: inline-flex; align-items: center; gap: 7px; transition: .25s ease; box-shadow: 0 4px 12px rgba(45,108,223,.14); }
    .btn-primary-md:hover { background: var(--md-blue-dark); color: #fff; transform: translateY(-1px); }
    .btn-outline-sm { background: transparent; color: var(--md-navy); font-size: 13.5px; font-weight: 600; padding: 10px 18px; border-radius: var(--radius-sm); border: 1.5px solid var(--md-gray-200); display: inline-flex; align-items: center; gap: 6px; transition: .25s ease; }
    .btn-outline-sm:hover { border-color: var(--md-blue); color: var(--md-blue); background: var(--md-blue-light); }

    /* CTA + FAQ BAND */
    .cta-faq-band { background: var(--md-blue-dark); padding: 64px 0; position: relative; overflow: hidden; }
    .cta-faq-band::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 600px 400px at 100% 0%, rgba(255,193,7,.07) 0%, transparent 60%), radial-gradient(ellipse 400px 300px at 0% 100%, rgba(45,108,223,.18) 0%, transparent 60%); pointer-events: none; }
    .cfb-inner { max-width: 1160px; margin: 0 auto; padding: 0 24px; position: relative; z-index: 1; }
    .cfb-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
    .cfb-cta-block { color: #fff; }
    .cfb-badge { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--md-yellow); background: rgba(255,193,7,.12); border: 1px solid rgba(255,193,7,.3); padding: 4px 14px; border-radius: 999px; margin-bottom: 18px; }
    .cfb-h2 { font-size: clamp(22px,2.8vw,34px); font-weight: 800; color: #fff; line-height: 1.2; letter-spacing: -.02em; margin-bottom: 14px; }
    .cfb-sub { font-size: 14.5px; color: rgba(255,255,255,.72); line-height: 1.7; margin-bottom: 26px; }
    .cfb-steps { display: flex; flex-direction: column; gap: 0; margin-bottom: 28px; }
    .cfb-step { display: flex; align-items: center; gap: 12px; font-size: 13.5px; color: rgba(255,255,255,.88); font-weight: 500; padding: 6px 0; }
    .cfb-step-num { width: 26px; height: 26px; background: var(--md-blue); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; color: #fff; flex-shrink: 0; border: 1.5px solid rgba(255,255,255,.25); }
    .cfb-step-arrow { font-size: 11px; color: rgba(255,255,255,.3); line-height: 1; padding: 2px 0 2px 38px; }
    .cfb-btns { display: flex; flex-direction: column; gap: 10px; }
    .cfb-btn-primary { background: var(--md-yellow); color: var(--md-navy); font-size: 14.5px; font-weight: 700; padding: 14px 26px; border-radius: var(--radius-sm); display: inline-flex; align-items: center; justify-content: center; gap: 7px; transition: .25s ease; box-shadow: 0 4px 16px rgba(255,193,7,.35); white-space: nowrap; border: none; width: 100%; cursor: pointer; text-decoration: none !important; }
    .cfb-btn-primary:hover { background: var(--md-yellow-dark); color: var(--md-navy); transform: translateY(-1px); }
    .cfb-btn-secondary { background: transparent; color: rgba(255,255,255,.9); font-size: 14.5px; font-weight: 600; padding: 14px 22px; border-radius: var(--radius-sm); border: 1.5px solid rgba(255,255,255,.35); display: inline-flex; align-items: center; justify-content: center; gap: 6px; transition: .25s ease; width: 100%; cursor: pointer; text-decoration: none !important; }
    .cfb-btn-secondary:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.7); color: #fff; }
    .cfb-faq-block { background: #fff; border-radius: var(--radius-lg); padding: 28px 24px; box-shadow: 0 8px 32px rgba(0,0,0,.14); }
    .cfb-faq-title { font-size: 15px; font-weight: 700; color: var(--md-navy); margin-bottom: 16px; line-height: 1.35; }
    .cfb-faq-block .faq-item { border-bottom: 1px solid var(--md-gray-200); }
    .cfb-faq-block .faq-item:first-of-type { border-top: 1px solid var(--md-gray-200); }
    .cfb-faq-block .faq-q { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; cursor: pointer; font-size: 13.5px; font-weight: 600; color: var(--md-navy); transition: color var(--t); gap: 12px; background: none; border: none; width: 100%; text-align: left; }
    .cfb-faq-block .faq-q:hover { color: var(--md-blue); }
    .cfb-faq-block .faq-icon { font-size: 17px; color: var(--md-gray-600); transition: transform .3s ease, background .3s ease, color .3s ease; }
    .cfb-faq-block .faq-item.open .faq-icon { transform: rotate(45deg); background: var(--md-blue-dark); color: #fff; }
    .cfb-faq-block .faq-item.open .faq-q { color: var(--md-blue-dark); }
    .cfb-faq-block .faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .3s ease; font-size: 13px; color: var(--md-gray-600); line-height: 1.7; }
    .cfb-faq-block .faq-item.open .faq-a { max-height: 260px; padding-bottom: 14px; }
    @media (max-width: 900px) { .cfb-grid { grid-template-columns: 1fr; gap: 36px; } }
    @media (max-width: 768px) { .cta-faq-band { padding: 48px 0; } .cfb-inner { padding: 0 16px; } .cfb-btns { max-width: 100%; } }

    /* ANIMATIONS */
    [data-animate] { opacity: 0; transform: translateY(20px); transition: opacity .55s ease, transform .55s ease; }
    [data-animate].animated { opacity: 1; transform: translateY(0); }

    /* RESPONSIVE */
    @media (max-width: 768px) { .full-wrap { padding: 0 16px; } .cfb-btn-primary, .cfb-btn-secondary { width: 100%; justify-content: center; } }
    @media (max-width: 520px) { .article-h1 { font-size: 26px; } h2.guide-h2 { font-size: 22px; } }
/* ── FAQ ADVISOR CTA ── */
.faq-advisor-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--md-gray-200);
}

.faq-advisor-cta span {
  font-size: 13px;
  color: var(--md-gray-600);
}

@media (max-width: 768px) {
  .faq-advisor-cta {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }

  .faq-advisor-cta .btn,
  .faq-advisor-cta .btn-primary {
    width: 100%;
  }
}