/* ─── TOKENS ─── */
    :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;
      --md-green:#16a34a; --md-green-light:#dcfce7;
      --md-amber:#b45309; --md-amber-light:#fef3c7;
      --md-red:#dc2626; --md-red-light:#fee2e2;
      --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);
      --t:0.18s ease;
      --ann-h:38px; --nav-h:64px;
    }
    *{font-family:'Roboto',sans-serif;box-sizing:border-box;}
    a{text-decoration:none!important;color:inherit;}
    body{color:var(--md-text);overflow-x:hidden;background:#fff;margin:0;}
    p{margin:0 0 1em;}



    /* ── 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;
      }
    }

    /* ─── ARTICLE LAYOUT ─── */
    .article-wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
    .article-grid{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start;padding:48px 0 72px;}
    .article-grid .sidebar{order:-1;}

    /* ─── ARTICLE HEADER ─── */
    .article-header{background:#fff;padding:56px 0 0;margin-bottom:0;}
    .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(28px,3.8vw,46px);font-weight:800;color:var(--md-navy);line-height:1.13;margin-bottom:18px;letter-spacing:-.5px;}
    .article-h1 .hl{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;flex-wrap:wrap;gap:20px;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);}
    .meta-divider{display:none;}

    /* ─── QUICK ANSWER BOX ─── */
    .quick-answer{background:var(--md-blue-light);border:1.5px solid var(--md-blue-mid);border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:32px;}
    .qa-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-blue);margin-bottom:8px;}
    .qa-text{font-size:15px;color:var(--md-gray-800);line-height:1.7;}

    /* ─── WARNING BOX ─── */
    .warn-box{background:#fff8e1;border:1.5px solid #f59e0b;border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:28px;display:flex;gap:14px;align-items:flex-start;}
    .warn-icon{font-size:20px;color:#d97706;flex-shrink:0;margin-top:2px;}
    .warn-title{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;color:#92400e;margin-bottom:6px;}
    .warn-body{font-size:14px;color:#78350f;line-height:1.7;}
    .warn-body ul{margin:8px 0 0;padding-left:18px;}
    .warn-body li{margin-bottom:4px;}

    /* ─── ARTICLE SECTIONS ─── */
    .article-section{margin-bottom:52px;padding-bottom:52px;border-bottom:1px solid var(--md-gray-200);}
    .article-section:last-child{border-bottom:none;}
    .section-label-pill{display:inline-flex;align-items:center;background:var(--md-blue-light);color:var(--md-blue);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;padding:5px 12px;border-radius:999px;margin-bottom:14px;}
    .guide-h2{font-size:clamp(20px,2.5vw,28px);font-weight:800;color:var(--md-navy);line-height:1.25;margin-bottom:16px;letter-spacing:-.2px;}
    .guide-h3{font-size:17px;font-weight:700;color:var(--md-navy);margin:28px 0 12px;}
    .guide-p{font-size:15.5px;color:var(--md-gray-800);line-height:1.75;margin-bottom:16px;}

    /* ─── SCHEME CARDS ─── */
    .scheme-card{background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:28px 28px 24px;margin-bottom:24px;box-shadow:var(--shadow-card);transition:var(--t);}
    .scheme-card:hover{box-shadow:var(--shadow-card-lg);border-color:var(--md-blue-mid);}
    .scheme-card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:16px;}
    .scheme-name{font-size:18px;font-weight:800;color:var(--md-navy);margin:0 0 4px;}
    .scheme-subtitle{font-size:13px;color:var(--md-gray-600);line-height:1.5;}
    .scheme-badge{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;padding:4px 10px;border-radius:999px;white-space:nowrap;flex-shrink:0;}
    .badge-loan{background:#dbeafe;color:#1e40af;}
    .badge-guarantee{background:#ede9fe;color:#5b21b6;}
    .badge-subsidy{background:#d1fae5;color:#065f46;}
    .badge-incentive{background:#fef3c7;color:#92400e;}
    .badge-discounting{background:#fce7f3;color:#9d174d;}
    .scheme-body{font-size:14.5px;color:var(--md-gray-800);line-height:1.75;}
    .scheme-divider{border:none;border-top:1px solid var(--md-gray-200);margin:18px 0;}

    /* Confirmed / proposed pills */
    .status-tag{display:inline-flex;align-items:center;gap:5px;font-size:11px;font-weight:700;padding:3px 10px;border-radius:999px;margin-bottom:8px;}
    .status-confirmed{background:var(--md-green-light);color:var(--md-green);}
    .status-confirmed i{font-size:10px;}
    .status-proposed{background:var(--md-amber-light);color:var(--md-amber);}
    .status-proposed i{font-size:10px;}

    /* Not suitable callout */
    .not-suitable{background:var(--md-red-light);border-left:3px solid var(--md-red);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:12px 16px;margin-top:16px;font-size:13.5px;color:#7f1d1d;line-height:1.65;}
    .not-suitable strong{color:var(--md-red);display:block;margin-bottom:3px;font-size:12px;text-transform:uppercase;letter-spacing:.5px;font-weight:800;}

    /* Source line */
    .source-line{font-size:12px;color:var(--md-gray-400);margin-top:12px;display:flex;align-items:center;gap:5px;border-top:1px solid var(--md-gray-100);padding-top:10px;}
    .source-line i{color:var(--md-gray-400);font-size:11px;}

    /* ─── AGF TABLE ─── */
    .md-table-wrap{border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);overflow:hidden;margin:16px 0;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 16px;text-align:left;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.8);}
    .md-table td{padding:12px 16px;font-size:13.5px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);text-align:left;}
    .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:600;color:var(--md-navy);}
    .md-table.quick-ref td:first-child{font-weight:700;}
    .md-table.quick-ref tr:nth-child(even) td{background:var(--md-gray-50);}
    .md-table.quick-ref tr:nth-child(even):hover td{background:var(--md-blue-light);}

    /* ─── INLINE GUIDE LINK ─── */
    .inline-guide-link{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);display:inline-flex;align-items:center;gap:4px;transition:var(--t);}
    .inline-guide-link:hover{color:var(--md-blue-dark);border-color:var(--md-blue);}

    /* ─── CLASSIFICATION TABLE ─── */
    .class-table{width:100%;border-collapse:collapse;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);overflow:hidden;margin:16px 0;box-shadow:var(--shadow-card);}
    .class-table thead{background:var(--md-navy);}
    .class-table th{padding:11px 16px;text-align:left;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.8);}
    .class-table td{padding:13px 16px;font-size:14px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);text-align:left;}
    .class-table tr:last-child td{border-bottom:none;}
    .class-table td:first-child{font-weight:700;color:var(--md-navy);}
    .class-table tr:nth-child(even) td{background:var(--md-gray-50);}

    /* ─── DOC CHECKLIST ─── */
    .doc-checklist{list-style:none;padding:0;margin:16px 0;}
    .doc-checklist li{display:flex;gap:10px;padding:11px 0;border-bottom:1px solid var(--md-gray-200);font-size:14.5px;color:var(--md-gray-800);align-items:flex-start;line-height:1.6;}
    .doc-checklist li:last-child{border-bottom:none;}
    .doc-checklist li i{color:var(--md-blue);flex-shrink:0;margin-top:3px;font-size:14px;}
    .doc-checklist li strong{color:var(--md-navy);}

    /* ─── TIMELINE TABLE ─── */
    .timeline-table{width:100%;border-collapse:collapse;margin:16px 0;}
    .timeline-table tr{border-bottom:1px solid var(--md-gray-200);}
    .timeline-table tr:last-child{border-bottom:none;}
    .timeline-table td{padding:13px 0;font-size:14px;color:var(--md-gray-600);vertical-align:top;text-align:left;}
    .timeline-table td:first-child{font-weight:700;color:var(--md-navy);width:180px;padding-right:20px;}
    .timeline-badge{display:inline-flex;padding:2px 8px;border-radius:999px;font-size:11px;font-weight:700;}
    .tl-fast{background:#d1fae5;color:#065f46;}
    .tl-medium{background:#fef3c7;color:#92400e;}
    .tl-slow{background:#fee2e2;color:#991b1b;}

    /* ─── CALLOUT BOXES ─── */
    .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;font-size:14.5px;color:var(--md-gray-800);line-height:1.7;}
    .info-callout strong{color:var(--md-navy);}
    .info-callout a{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);}

    .update-callout{background:#fffbeb;border:1.5px solid #fcd34d;border-radius:var(--radius-md);padding:14px 18px;font-size:13.5px;color:#78350f;line-height:1.65;margin:16px 0;display:flex;gap:10px;align-items:flex-start;}
    .update-callout i{color:#d97706;flex-shrink:0;margin-top:2px;}

    .note-callout{background:var(--md-gray-50);border-left:3px solid var(--md-gray-400);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:12px 16px;margin:16px 0;font-size:13.5px;color:var(--md-gray-600);line-height:1.65;}

    /* ─── ODR / SAMADHAAN ─── */
    .odr-box{background:var(--md-blue-light);border:1.5px solid var(--md-blue-mid);border-radius:var(--radius-lg);padding:20px 24px;margin:0;}
    .odr-box-head{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;color:var(--md-blue);margin-bottom:8px;}
    .odr-box p{font-size:14.5px;color:var(--md-gray-800);line-height:1.7;margin:0;}
    .odr-box a{color:var(--md-blue);font-weight:600;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:14.5px;font-weight:600;color:var(--md-navy);transition:var(--t);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;font-weight:300;color:var(--md-navy);transition:.3s ease;flex-shrink:0;line-height:1;}
    .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:14px;color:var(--md-gray-600);line-height:1.75;}
    .faq-item.open .faq-a{max-height:300px;padding-bottom:16px;}

    /* ─── RELATED LINKS ─── */
    .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;font-size:18px;}

    /* ─── 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%;}}

    /* ─── SIDEBAR ─── */
    .sidebar{position:sticky;top:84px;}
    .sidebar-card{background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:22px;margin-bottom:18px;box-shadow:var(--shadow-card);}
    .sidebar-head{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-blue);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--md-gray-200);}
    .toc-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:2px;}
    .toc-list a{font-size:13px;color:var(--md-gray-600);display:flex;align-items:center;gap:7px;padding:7px 8px;border-radius:var(--radius-sm);transition:var(--t);}
    .toc-list a:hover{color:var(--md-blue);background:var(--md-blue-light);}
    .toc-list a i{font-size:11px;color:var(--md-gray-400);}
    .toc-list a.active{color:var(--md-blue);background:var(--md-blue-light);font-weight:600;}
    .sidebar-cta{background:var(--md-blue-dark);border-radius:var(--radius-lg);padding:20px;}
    .sidebar-cta-title{font-size:15px;font-weight:800;color:#fff;margin-bottom:8px;line-height:1.3;}
    .sidebar-cta-body{font-size:13px;color:rgba(255,255,255,.65);line-height:1.6;margin-bottom:16px;}
    .btn-sidebar-primary{background:var(--md-yellow);color:var(--md-navy)!important;font-size:13px;font-weight:700;padding:10px 16px;border-radius:var(--radius-sm);display:flex;align-items:center;gap:6px;width:100%;justify-content:center;transition:var(--t);text-align:center;margin-bottom:8px;}
    .btn-sidebar-primary:hover{background:var(--md-yellow-dark);}
    .btn-sidebar-ghost{color:rgba(255,255,255,.65)!important;font-size:12.5px;font-weight:600;display:flex;align-items:center;justify-content:center;gap:5px;border-top:1px solid rgba(255,255,255,.1);padding-top:10px;transition:var(--t);}
    .btn-sidebar-ghost:hover{color:#fff!important;}

    /* ─── ANIMATIONS ─── */
    [data-animate]{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease;}
    [data-animate].animated{opacity:1;transform:translateY(0);}
    [data-delay="100"]{transition-delay:.1s;}
    [data-delay="200"]{transition-delay:.2s;}
    [data-delay="300"]{transition-delay:.3s;}

    /* ─── FOOTER ─── */
    .md-footer{background:var(--md-navy);border-top:1px solid rgba(255,255,255,.07);padding:56px 0 0;color:#fff;}
    .footer-brand{font-size:22px;font-weight:800;color:#fff;margin-bottom:10px;}
    .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:220px;}
    .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);font-size:12px;}
    .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:6px;}
    .footer-links a{font-size:12.5px;color:rgba(255,255,255,.55);transition:var(--t);}
    .footer-links a:hover{color:#fff;}
    .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,.3);}
    .footer-legal a:hover{color:rgba(255,255,255,.7);}

    /* ─── RESPONSIVE ─── */
    @media(max-width:1024px){
      .article-grid{grid-template-columns:1fr;gap:0;}
      .sidebar{display:none;}
    }
    @media(max-width:768px){
      .article-wrap{padding:0 16px;}
      .article-grid{padding:32px 0 52px;}
      .article-header{padding:40px 0 36px;}
      .article-h1{font-size:28px;}
      .scheme-card{padding:20px 18px 18px;}
      .md-table-wrap{overflow-x:auto;}
      .class-table{overflow-x:auto;display:block;}
      .nav-links,.nav-actions{display:none;}
      .hamburger{display:flex;}
      .footer-bottom{flex-direction:column;text-align:center;}
      .footer-legal{flex-wrap:wrap;justify-content:center;}
    }
    @media(max-width:480px){
      .article-h1{font-size:24px;}
      .guide-h2{font-size:20px;}
      .announcement-bar{font-size:12px;}
    }
/* ── 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%;
  }
}