:root {
      --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;
    }
    *{font-family:'Roboto',sans-serif;} a{text-decoration:none!important;color:inherit;} body{color:var(--md-text);overflow-x:hidden;background:#fff;}

    /* NAV */
    .announcement-bar{height:38px;background:var(--md-yellow);color:var(--md-navy);font-size:13.5px;font-weight:500;display:flex;align-items:center;justify-content:center;gap:10px;}
    .announcement-bar .sep{color:rgba(13,27,76,.35);} .announcement-bar a{font-weight:700;border-bottom:1.5px solid var(--md-navy);color:var(--md-navy);}
    .md-nav{height:64px;background:var(--md-navy);border-bottom:1px solid rgba(255,255,255,.08);position:sticky;top:0;z-index:1000;}
    .md-nav .cf{max-width:1440px;margin:0 auto;padding:0 24px;height:100%;display:flex;align-items:center;justify-content:space-between;}
    .nav-brand{font-size:20px;font-weight:800;color:#fff;letter-spacing:-.5px;} .nav-brand span{color:var(--md-yellow);}
    .nav-links{display:flex;align-items:center;gap:6px;}
    .nav-links a{font-size:13.5px;font-weight:500;color:rgba(255,255,255,.72);padding:8px 12px;border-radius:var(--radius-sm);transition:var(--t);position:relative;}
    .nav-links a:hover{color:#fff;}
    .nav-links a::after{content:'';position:absolute;bottom:4px;left:12px;right:12px;height:2px;background:var(--md-yellow);transform:scaleX(0);transition:transform .2s ease;}
    .nav-links a:hover::after{transform:scaleX(1);}
    .nav-actions{display:flex;align-items:center;gap:8px;}
    .btn-nav-login{background:transparent;border:1.5px solid rgba(255,255,255,.3);color:#fff;font-size:13px;font-weight:600;padding:7px 16px;border-radius:var(--radius-sm);}
    .btn-nav-register{background:var(--md-yellow);color:var(--md-navy);font-size:13px;font-weight:700;padding:7px 16px;border-radius:var(--radius-sm);}
    .hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px;}
    .hamburger span{display:block;width:22px;height:2px;background:#fff;border-radius:2px;}
    @media(max-width:1100px){.nav-links{display:none;}.hamburger{display:flex;}}

    /* BREADCRUMB */
    /* .container-lg{max-width:1160px;margin:0 auto;padding:0 24px;} */
    .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-bar .breadcrumb a:hover,
    .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;
      }
    }

    /* LAYOUT — two column with sticky TOC */
    .page-layout{display:grid;grid-template-columns:240px 1fr;gap:48px;max-width:1160px;margin:0 auto;padding:0 24px;align-items:start;}
    .article-col{min-width:0;}
    .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;}.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:24px;max-width:720px;}
    .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:0;}
    .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;}

    /* 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:18px;font-weight:700;color:var(--md-navy);margin-bottom:12px;margin-top:28px;}

    /* 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;}
    .inline-guide-link{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);transition:var(--t);padding-bottom:1px;display:inline-flex;align-items:center;gap:5px;font-size:14px;}
    .inline-guide-link i{font-size:12px;}
    .inline-guide-link:hover{color:var(--md-blue-dark);border-bottom-color:var(--md-blue);}

    /* SECTION DIVIDER */
    .article-section{padding:40px 0;border-top:1px solid var(--md-gray-200);}
    .article-section.no-border{border-top:none;padding-top:32px;}

    /* MOBILE TOC */
    .mobile-toc{display:none;margin:16px 0 0;}
    .mobile-toc-toggle{width:100%;background:var(--md-gray-50);border:1px solid var(--md-gray-200);border-radius:var(--radius-sm);padding:9px 14px;display:flex;align-items:center;justify-content:space-between;cursor:pointer;font-size:12px;font-weight:700;color:var(--md-gray-600);transition:var(--t);}
    .mobile-toc-toggle:hover{border-color:var(--md-blue);color:var(--md-blue);}
    .mobile-toc-toggle i{transition:transform .3s ease;font-size:13px;color:var(--md-gray-400);}
    .mobile-toc-toggle.open i{transform:rotate(180deg);}
    .mobile-toc-body{display:none;border:1px solid var(--md-gray-200);border-top:none;border-radius:0 0 var(--radius-sm) var(--radius-sm);overflow:hidden;}
    .mobile-toc-body.open{display:block;}
    .mobile-toc-link{display:block;font-size:12px;font-weight:400;color:var(--md-gray-600);padding:8px 14px;border-bottom:1px solid var(--md-gray-200);transition:var(--t);}
    .mobile-toc-link:last-child{border-bottom:none;}
    .mobile-toc-link:hover,.mobile-toc-link:active{background:var(--md-blue-light);color:var(--md-blue);}
    @media(max-width:1024px){.mobile-toc{display:block;}}

    /* DISCLAIMER BOX */
    .disclaimer-box{background:#fffbeb;border:1.5px solid #fde68a;border-radius:var(--radius-lg);padding:18px 22px;margin-bottom:0;}
    .disclaimer-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:#92400e;margin-bottom:6px;}
    .disclaimer-text{font-size:13px;color:#78350f;line-height:1.65;margin:0;}

    /* QUICK ANSWER BOX */
    .quick-answer{background:var(--md-blue-light);border:1.5px solid var(--md-blue-mid);border-radius:var(--radius-lg);padding:22px 26px;margin:24px 0;}
    .qa-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--md-blue);margin-bottom:8px;}
    .qa-text{font-size:15px;color:var(--md-navy);line-height:1.7;margin:0;font-weight:500;}

    /* CALCULATION BOX */
    .calc-box{background:var(--md-gray-50);border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:22px 26px;margin:20px 0;}
    .calc-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--md-blue);margin-bottom:16px;}
    .formula-lines{display:table;width:100%;border-collapse:collapse;}
    .fl-row{display:table-row;}
    .fl-op{display:table-cell;width:28px;font-size:15px;font-weight:700;color:var(--md-blue);padding:6px 8px 6px 0;vertical-align:middle;text-align:center;}
    .fl-label{display:table-cell;font-size:14px;color:var(--md-gray-600);padding:6px 16px 6px 0;vertical-align:middle;}
    .fl-value{display:table-cell;font-size:14px;font-weight:600;color:var(--md-navy);padding:6px 0;text-align:right;white-space:nowrap;vertical-align:middle;}
    .fl-divider{display:table-row;}
    .fl-divider td,.fl-divider .fl-op,.fl-divider .fl-label,.fl-divider .fl-value{border-top:1.5px solid var(--md-gray-200);padding-top:10px!important;}
    .fl-result .fl-label{font-weight:700;color:var(--md-navy);}
    .fl-result .fl-value{color:var(--md-blue);font-weight:800;font-size:15px;}

    /* PULL QUOTE */
    .pull-quote{border-left:3px solid var(--md-yellow);padding:18px 24px;margin:28px 0;background:var(--md-gray-50);}
    .pull-quote p{font-size:16px;font-weight:500;font-style:italic;color:var(--md-navy);line-height:1.65;margin:0;}

    /* SECTOR TABLES */
    .sector-section{margin-bottom:32px;}
    .sector-head{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--md-blue);margin-bottom:12px;display:flex;align-items:center;gap:8px;}
    .sector-head::before{content:'';display:block;width:20px;height:2px;background:var(--md-blue);}
    .md-table-wrap{border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);overflow:hidden;margin-bottom:12px;box-shadow:var(--shadow-card);}
    .md-table{width:100%;border-collapse:collapse;}
    .md-table thead tr{background:var(--md-navy);}
    .md-table th{padding:11px 14px;text-align:left;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,.8);}
    .md-table td{padding:12px 14px;font-size:13px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);line-height:1.5;}
    .md-table tr:last-child td{border-bottom:none;}
    .md-table tr:hover td{background:var(--md-blue-light);}
    .md-table td:first-child{font-weight:700;color:var(--md-navy);min-width:180px;}
    .md-table td:nth-child(2){font-weight:600;color:var(--md-blue);white-space:nowrap;}
    .table-note{font-size:12px;color:var(--md-gray-400);padding:8px 4px;font-style:italic;}

    /* GLOSSARY TABLE */
    .glossary-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);}
    .glossary-table{width:100%;border-collapse:collapse;}
    .glossary-table thead tr{background:var(--md-navy);}
    .glossary-table th{padding:11px 14px;text-align:left;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,.8);}
    .glossary-table td{padding:13px 14px;font-size:13.5px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);line-height:1.65;vertical-align:top;}
    .glossary-table tr:last-child td{border-bottom:none;}
    .glossary-table tr:hover td{background:var(--md-blue-light);}
    .glossary-table td:first-child{font-weight:700;color:var(--md-navy);white-space:nowrap;width:160px;}
    .glossary-table td:nth-child(2){color:var(--md-gray-800);width:240px;}

    /* SIZE TABLE */
    .size-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);}
    .size-table{width:100%;border-collapse:collapse;}
    .size-table thead tr{background:var(--md-navy);}
    .size-table th{padding:11px 14px;text-align:left;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,.8);}
    .size-table td{padding:12px 14px;font-size:13.5px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);}
    .size-table tr:last-child td{border-bottom:none;}
    .size-table tr:hover td{background:var(--md-blue-light);}
    .size-table td:first-child{font-weight:700;color:var(--md-blue);white-space:nowrap;}
    .size-table td:nth-child(2){color:var(--md-gray-800);}

    /* VALUE FACTORS */
    .factor-list{list-style:none;padding:0;margin:16px 0;}
    .factor-list li{padding:14px 0 14px 20px;border-bottom:1px solid var(--md-gray-200);font-size:15px;color:var(--md-gray-600);line-height:1.75;position:relative;}
    .factor-list li:last-child{border-bottom:none;}
    .factor-list.up li::before{content:'';position:absolute;left:0;top:22px;width:8px;height:8px;border-radius:50%;background:#16a34a;}
    .factor-list.down li::before{content:'';position:absolute;left:0;top:22px;width:8px;height:8px;border-radius:50%;background:#e84b4b;}
    .factor-list li strong{color:var(--md-navy);display:block;margin-bottom:4px;font-size:14.5px;}

    /* ADJUSTED EBITDA */
    .addback-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0;}
    .addback-card{border-radius:var(--radius-md);padding:18px 20px;}
    .addback-card.accept{background:#f0fdf4;border:1.5px solid #86efac;}
    .addback-card.reject{background:#fef2f2;border:1.5px solid #fca5a5;}
    .addback-head{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;margin-bottom:10px;}
    .addback-card.accept .addback-head{color:#16a34a;}
    .addback-card.reject .addback-head{color:#dc2626;}
    .addback-item{font-size:13.5px;color:var(--md-gray-600);padding:5px 0;display:flex;gap:8px;align-items:flex-start;border-bottom:1px solid rgba(0,0,0,.05);}
    .addback-item:last-child{border-bottom:none;}
    .addback-item::before{flex-shrink:0;margin-top:2px;}
    .addback-card.accept .addback-item::before{content:'✓';color:#16a34a;font-weight:700;}
    .addback-card.reject .addback-item::before{content:'✗';color:#dc2626;font-weight:700;}
    @media(max-width:640px){.addback-grid{grid-template-columns:1fr;}}

    /* MISTAKES */
    .mistake-list{list-style:none;padding:0;margin:16px 0;}
    .mistake-list li{padding:16px 0 16px 22px;border-bottom:1px solid var(--md-gray-200);font-size:15px;color:var(--md-gray-600);line-height:1.75;position:relative;}
    .mistake-list li:last-child{border-bottom:none;}
    .mistake-list li::before{content:'';position:absolute;left:0;top:26px;width:8px;height:8px;border-radius:50%;background:#e84b4b;}
    .mistake-list li strong{color:var(--md-navy);display:block;margin-bottom:4px;font-size:14.5px;}

    /* TRENDS */
    .trend-item{padding:20px 0;border-bottom:1px solid var(--md-gray-200);}
    .trend-item:last-child{border-bottom:none;}
    .trend-title{font-size:15px;font-weight:700;color:var(--md-navy);margin-bottom:8px;}
    .trend-body{font-size:14.5px;color:var(--md-gray-600);line-height:1.75;margin:0;}
    .citation-note{font-size:12px;color:var(--md-gray-400);margin-top:6px;font-style:italic;}

    /* STEP LIST */
    .step-list{list-style:none;padding:0;margin:16px 0;}
    .step-item{display:flex;gap:14px;padding:16px 0;border-bottom:1px solid var(--md-gray-200);align-items:flex-start;}
    .step-item:last-child{border-bottom:none;}
    .step-num{width:28px;height:28px;border-radius:50%;background:var(--md-blue-light);color:var(--md-blue);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;}
    .step-title{font-size:14.5px;font-weight:700;color:var(--md-navy);margin-bottom:4px;}
    .step-body{font-size:14px;color:var(--md-gray-600);line-height:1.7;}

    /* MD MENTION */
    .md-mention{border-left:3px solid var(--md-blue);padding:16px 20px;background:var(--md-blue-light);border-radius:0 var(--radius-md) var(--radius-md) 0;margin:24px 0;font-size:14.5px;color:var(--md-gray-800);line-height:1.7;}
    .md-mention a{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);}

    /* SOURCES */
    .sources-list{list-style:none;padding:0;margin:12px 0;}
    .sources-list li{padding:8px 0;border-bottom:1px solid var(--md-gray-200);font-size:13px;color:var(--md-gray-600);display:flex;gap:8px;align-items:flex-start;}
    .sources-list li:last-child{border-bottom:none;}
    .sources-list li::before{content:'—';color:var(--md-gray-400);flex-shrink:0;}
    .sources-list a{color:var(--md-blue);border-bottom:1px solid var(--md-blue-mid);}

    /* 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);}
    .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;font-weight:300;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:260px;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;}

    /* 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-primary-md i,.btn-cta-primary i{transition:transform .25s ease;}
    .btn-primary-md:hover i,.btn-cta-primary:hover i{transform:translateX(3px);}
    .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);}
    .btn-cta-primary{background:var(--md-yellow);color:var(--md-navy);font-size:14px;font-weight:700;padding:13px 28px;border-radius:var(--radius-sm);border:none;display:inline-flex;align-items:center;gap:7px;transition:.25s ease;box-shadow:0 4px 14px rgba(255,193,7,.3);}
    .btn-cta-primary:hover{background:var(--md-yellow-dark);color:var(--md-navy);transform:translateY(-1px);}

    /* CTA + FAQ UNIFIED BAND */
    .cta-faq-band{background:var(--md-blue-dark);padding:64px 0;position:relative;overflow:hidden;margin-top:48px;}
    .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%;}}

    /* FOOTER */
    .md-footer{background:var(--md-navy);border-top:1px solid rgba(255,255,255,.07);padding:60px 0 0;color:#fff;}
    .full-wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
    .footer-brand{font-size:22px;font-weight:800;color:#fff;margin-bottom:12px;} .footer-brand span{color:var(--md-yellow);}
    .footer-tagline{font-size:13px;color:rgba(255,255,255,.52);margin-bottom:20px;line-height:1.6;max-width:230px;}
    .footer-contact{font-size:12.5px;color:rgba(255,255,255,.52);display:flex;align-items:center;gap:8px;margin-bottom:8px;} .footer-contact i{color:var(--md-yellow);}
    .footer-col-head{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.9px;color:var(--md-yellow);padding-bottom:10px;margin-bottom:14px;border-bottom:1px solid rgba(255,255,255,.07);}
    .footer-links{list-style:none;padding:0;margin:0;} .footer-links li{margin-bottom:8px;}
    .footer-links a{font-size:12.5px;color:rgba(255,255,255,.55);transition:var(--t);} .footer-links a:hover{color:#fff;padding-left:5px;}
    .footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding:18px 0;margin-top:48px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;}
    .footer-copy{font-size:11px;color:rgba(255,255,255,.25);}
    .footer-legal{display:flex;gap:16px;} .footer-legal a{font-size:11px;color:rgba(255,255,255,.25);}

    /* 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,.page-layout{padding:0 16px;}.btn-cta-primary,.btn-primary-md,.btn-outline-sm{width:100%;justify-content:center;}.footer-bottom{flex-direction:column;text-align:center;}.addback-grid{grid-template-columns:1fr;}}
    @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%;
  }
}