/* ═══════════════════════════════════════
   NAVIGATION.CSS — inlined
═══════════════════════════════════════ */
/* ═══════════════════════════════════════════════════════════════
   NAVIGATION.CSS — MergerDomo
   Fully mobile-responsive (mobile-first refinements)
   Breakpoints: 1100px | 768px | 480px | 360px
═══════════════════════════════════════════════════════════════ */

/* ───────────────────────────────────────
   ANNOUNCEMENT BAR
─────────────────────────────────────────────────────────── */
.announcement-bar {
  background: var(--md-yellow);
  height: var(--ann-h);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--md-navy);
  padding: 0 12px;
  overflow: hidden;
}

.announcement-bar p {
  margin: 0;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.announcement-bar .divider {
  margin: 0 10px;
  color: rgba(13, 27, 76, .35);
}

.announcement-bar .cta-link {
  font-weight: 700;
  color: var(--md-navy);
  text-decoration: none !important;
  border-bottom: 1.5px solid rgba(13, 27, 76, .3);
  transition: border-color .18s ease;
}

.announcement-bar .cta-link:hover {
  border-color: var(--md-navy);
}

/* ───────────────────────────────────────
   NAVBAR SHELL
─────────────────────────────────────────────────────────── */
.md-nav {
  background: var(--md-navy);
  height: var(--nav-h);
  display: flex;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
  position: relative;
}

.md-nav__inner {
  width: 100%;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 0;
  justify-content: space-between;
  position: relative;
}

/* Logo */
.md-nav__logo {
  flex-shrink: 0;
  margin-right: 32px;
}

.md-nav__logo img {
  height: 28px;
  display: block;
}

/* ───────────────────────────────────────
   NAV LIST + ITEMS  (desktop)
─────────────────────────────────────────────────────────── */
.md-nav__list {
  display: flex;
  align-items: center;
  gap: 8px;
  flex: 1;
  justify-content: center !important;
  list-style: none;
  margin: 0 auto;
  padding: 0;
}

.md-nav__item {
  position: relative;
}

.md-nav__link {
  display: flex;
  align-items: center;
  gap: 4px;
  height: var(--nav-h);
  padding: 0 13px;
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, .72);
  cursor: pointer;
  white-space: nowrap;
  transition: color .18s ease;
  position: relative;
  text-decoration: none !important;
  background: none;
  border: none;
  font-family: 'Roboto', sans-serif;
}

/* Yellow underline on hover */
.md-nav__link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 13px;
  right: 13px;
  height: 2px;
  background: var(--md-yellow);
  transform: scaleX(0);
  transition: transform .18s ease;
  border-radius: 2px 2px 0 0;
}

.md-nav__link:hover,
.md-nav__item:hover > .md-nav__link {
  color: #fff;
}

.md-nav__link:hover::after,
.md-nav__item:hover > .md-nav__link::after {
  transform: scaleX(1);
}

.md-nav__chevron {
  font-size: 10px;
  color: rgba(255, 255, 255, .4);
  transition: transform .18s ease, color .18s ease;
  pointer-events: none;
}

.md-nav__item:hover > .md-nav__link .md-nav__chevron {
  transform: rotate(180deg);
  color: var(--md-yellow);
}

/* ── Marketplace CTA pill ── */
.md-nav__item--mkt {
  padding-left: 16px;
  height: var(--nav-h);
  display: flex;
  align-items: center;
}

.md-nav__item--mkt .md-nav__link {
  padding: 0;
  height: auto;
  color: var(--md-navy);
}

.md-nav__item--mkt .md-nav__link::after {
  display: none;
}

.md-nav__link-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  color: var(--md-yellow);
  font-size: 13px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 6px;
  transition: border .18s ease;
}

.md-nav__link-pill:hover {
  border: 1.5px solid var(--md-yellow);
}

/* ── Action buttons ── */
.md-nav__actions {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-left: 32px;
  flex-shrink: 0;
}

.md-nav__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 36px;
  padding: 0 18px;
  font-family: 'Roboto', sans-serif;
  font-size: 13px;
  font-weight: 600;
  border-radius: 6px;
  cursor: pointer;
  white-space: nowrap;
  transition: background .18s ease, color .18s ease, border-color .18s ease;
  border: none;
  text-decoration: none !important;
}

.md-nav__btn--login {
  background: transparent;
  color: rgba(255, 255, 255, .72);
  border: 1.5px solid rgba(255, 255, 255, .2) !important;
}

.md-nav__btn--login:hover {
  color: #fff;
  border-color: rgba(255, 255, 255, .5) !important;
  background: rgba(255, 255, 255, .08);
}

.md-nav__btn--register {
  background: var(--md-yellow) !important;
  color: var(--md-navy) !important;
  border: 1.5px solid var(--md-yellow) !important;
}

.md-nav__btn--register:hover {
  background: transparent !important;
  color: var(--md-yellow) !important;
}

/* ───────────────────────────────────────
   MEGA MENU BASE  (desktop)
─────────────────────────────────────────────────────────── */
.md-mega,
.md-dropdown {
  position: absolute;
  top: calc(var(--nav-h) - 1px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: #fff;
  border-radius: 0 0 12px 12px;
  box-shadow: 0 24px 64px rgba(13, 27, 76, .16), 0 4px 12px rgba(0, 0, 0, .07);
  border-top: 3px solid var(--md-yellow);
  pointer-events: none;
  opacity: 0;
  transition: opacity .18s ease, transform .18s ease;
  z-index: 1050;
  min-width: 620px;
}

.md-nav__item:hover > .md-mega,
.md-nav__item:hover > .md-dropdown {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

/* Mega grid inner — 2 columns on desktop */
.md-mega__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 22px 24px 20px;
  gap: 0;
}

/* Column */
.md-mega__col {
  min-width: 260px;
  padding: 0 20px 0 0;
}

.md-mega__col:last-child {
  padding-right: 0;
}

/* Button row inside mega (desktop) */
.md-mega__button {
  grid-column: 1 / -1;
  display: flex;
  justify-content: center;
  padding: 12px 0 4px;
  margin-top: 0;
  border-top: 1px solid #f1f5f9;
}

.md-mega__button .btn-cta-primary {
  padding: 10px 22px;
  font-size: 12px;
  border-radius: 10px;
  width: auto;
  min-width: unset;
}

.md-mega__col + .md-mega__col {
  border-left: 1px solid #f1f5f9;
  padding-left: 20px;
}

/* Column heading */
.md-mega__heading {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--md-yellow-dark);
  margin-bottom: 8px;
  padding-bottom: 8px;
  border-bottom: 1px solid #f1f5f9;
}

/* Mega links */
.md-mega__list {
  display: flex;
  flex-direction: column;
  gap: 1px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.md-mega__link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 10px;
  border-radius: 7px;
  font-size: 13px;
  font-weight: 400;
  color: #374151;
  transition: background .16s ease, color .16s ease;
  text-decoration: none !important;
}

.md-mega__link:hover {
  background: var(--md-blue-light);
  color: var(--md-blue);
}

.md-mega__link:hover .md-mega__icon {
  background: var(--md-blue);
  color: #fff;
}

.md-mega__icon {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  background: #f1f5f9;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
  transition: background .16s ease, color .16s ease;
}

.md-mega__link-title {
  font-size: 13px;
  font-weight: 600;
  line-height: 1.2;
  display: block;
  white-space: nowrap;
}

.md-mega__link-sub {
  font-size: 11px;
  color: #9ca3af;
  line-height: 1.3;
  margin-top: 1px;
  display: block;
}

/* Tag pill */
.md-mega__tag {
  font-size: 9px;
  font-weight: 700;
  text-transform: uppercase;
  padding: 2px 6px;
  border-radius: 4px;
  margin-left: auto;
  flex-shrink: 0;
  letter-spacing: .3px;
}

.md-mega__tag--free {
  background: #d1fae5;
  color: #065f46;
}

.md-mega__tag--new {
  background: #fef3c7;
  color: #92400e;
}

/* Feature block */
.md-mega__feature {
  background: linear-gradient(135deg, var(--md-navy) 0%, #1a2f6e 100%);
  border-radius: 10px;
  padding: 16px;
  color: #fff;
  margin-top: 8px;
}

.md-mega__feature-label {
  font-size: 9px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--md-yellow);
  margin-bottom: 5px;
}

.md-mega__feature-title {
  font-size: 13.5px;
  font-weight: 700;
  margin-bottom: 5px;
  line-height: 1.3;
}

.md-mega__feature-sub {
  font-size: 11.5px;
  color: rgba(255, 255, 255, .6);
  line-height: 1.5;
  margin-bottom: 10px;
}

.md-mega__feature-btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--md-yellow);
  color: var(--md-navy);
  font-size: 12px;
  font-weight: 700;
  padding: 6px 13px;
  border-radius: 5px;
  text-decoration: none !important;
  transition: background .16s ease;
}

.md-mega__feature-btn:hover {
  background: var(--md-yellow-dark);
  color: var(--md-navy) !important;
}

/* Simple dropdown */
.md-dropdown {
  min-width: 210px;
  padding: 10px 6px;
}

.md-dropdown__link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border-radius: 6px;
  font-size: 13px;
  font-weight: 400;
  color: #374151;
  transition: background .16s ease, color .16s ease;
  text-decoration: none !important;
}

.md-dropdown__link:hover {
  background: var(--md-blue-light);
  color: var(--md-blue);
}

.md-dropdown__link i {
  font-size: 13px;
  color: #9ca3af;
  width: 16px;
}

.md-dropdown__link:hover i {
  color: var(--md-blue);
}

.md-dropdown__divider {
  height: 1px;
  background: #f1f5f9;
  margin: 5px 12px;
}

/* ───────────────────────────────────────
   HAMBURGER
─────────────────────────────────────────────────────────── */
.md-nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
  flex-shrink: 0;
  -webkit-tap-highlight-color: transparent;
}

.md-nav__toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .22s ease, opacity .22s ease;
}

.md-nav__toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.md-nav__toggle.open span:nth-child(2) {
  opacity: 0;
}

.md-nav__toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE ≤ 1100px  —  MOBILE: show hamburger, hide desktop nav
═══════════════════════════════════════════════════════════════ */
@media (max-width: 1100px) {

  /* ── Navbar strip ── */
  .md-nav {
    height: var(--nav-h);
    position: relative;
    z-index: 1200;
  }

  .md-nav__inner {
    padding: 0 16px;
  }

  .md-nav__logo { margin-right: 0; }

  /* Show hamburger */
  .md-nav__toggle {
    display: flex;
    z-index: 1201;
    order: 3;
  }

  /* Hide desktop list + action buttons */
  .md-nav__list,
  .md-nav__actions {
    display: none !important;
  }
}

/* ═══════════════════════════════════════════════════════════════
   MOBILE DRAWER  (two-panel slide pattern)
   Overlay + drawer are always in DOM, hidden by default.
   No overflow:hidden on <html>. Each panel scrolls on its own.
═══════════════════════════════════════════════════════════════ */

/* ── Overlay ── */
.mob-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.45);
  z-index: 1198;
  opacity: 0;
  transition: opacity .25s ease;
}
.mob-overlay.is-visible {
  display: block;
  opacity: 1;
}

/* ── Drawer shell ── */
.mob-drawer {
  display: none;
  position: fixed;
  top: calc(var(--ann-h) + var(--nav-h));
  left: 0;
  width: 100%;
  height: calc(100dvh - var(--ann-h) - var(--nav-h));
  background: var(--md-navy);
  z-index: 1199;
  overflow: hidden;
  transform: translateY(-8px);
  opacity: 0;
  pointer-events: none;
  transition: transform .25s ease, opacity .25s ease;
}
.mob-drawer.is-open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: all;
}

@media (max-width: 1100px) {
  .mob-drawer { display: block; }
}

/* ── Panel base ── */
.mob-panel {
  position: absolute;
  inset: 0;
  overflow-y: auto;
  overflow-x: hidden;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
  transition: transform .25s ease, opacity .2s ease;
  will-change: transform;
  background: var(--md-navy);
  padding-bottom: 130px;
  box-sizing: border-box;
}

/* ── Root panel ── */
.mob-panel--root {
  transform: translateX(0);
  opacity: 1;
}
.mob-panel--root.is-hidden {
  transform: translateX(-100%);
  opacity: 0;
  pointer-events: none;
}

/* ── Sub panel ── */
.mob-panel--sub {
  transform: translateX(100%);
  opacity: 0;
  pointer-events: none;
  padding-bottom: 24px;
}
.mob-panel--sub.is-visible {
  transform: translateX(0);
  opacity: 1;
  pointer-events: all;
}

/* ── Root list ── */
.mob-root-list {
  list-style: none;
  margin: 0;
  padding: 6px 0 0;
}

.mob-root-list li {
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.mob-root-list li:last-child { border-bottom: none; }

.mob-root-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 15px 20px;
  background: none;
  border: none;
  font-family: 'Roboto', sans-serif;
  font-size: 14.5px;
  font-weight: 500;
  color: rgba(255,255,255,.88);
  cursor: pointer;
  text-align: left;
  -webkit-tap-highlight-color: transparent;
  transition: background .15s ease, color .15s ease;
}
.mob-root-btn:hover,
.mob-root-btn:active {
  background: rgba(255,255,255,.05);
  color: #fff;
}
.mob-root-btn i {
  font-size: 12px;
  color: rgba(255,255,255,.35);
  flex-shrink: 0;
}

.mob-root-link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 15px 20px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--md-yellow);
  text-decoration: none;
  -webkit-tap-highlight-color: transparent;
  transition: background .15s ease;
}
.mob-root-link:hover { background: rgba(255,255,255,.05); }

/* ── Action buttons (pinned bottom of root panel) ── */
.mob-actions {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 14px 16px 20px;
  background: var(--md-navy);
  border-top: 1px solid rgba(255,255,255,.1);
  z-index: 10;
  box-shadow: 0 -6px 24px rgba(0,0,0,.3);
  box-sizing: border-box;
}

.mob-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  border-radius: 8px;
  font-family: 'Roboto', sans-serif;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: background .18s ease, color .18s ease;
  box-sizing: border-box;
  -webkit-tap-highlight-color: transparent;
}
.mob-btn--login {
  background: transparent;
  color: rgba(255,255,255,.8);
  border: 1.5px solid rgba(255,255,255,.22);
}
.mob-btn--login:hover { background: rgba(255,255,255,.08); color:#fff; }
.mob-btn--register {
  background: var(--md-yellow);
  color: var(--md-navy);
  border: 1.5px solid var(--md-yellow);
}
.mob-btn--register:hover { background: transparent; color: var(--md-yellow); }

/* ── Sub-panel header (back button) ── */
.mob-sub-header {
  position: sticky;
  top: 0;
  background: var(--md-navy);
  z-index: 5;
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding: 0;
}
.mob-back-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  padding: 14px 16px;
  background: none;
  border: none;
  font-family: 'Roboto', sans-serif;
  font-size: 15px;
  font-weight: 600;
  color: #fff;
  cursor: pointer;
  -webkit-tap-highlight-color: transparent;
  text-align: left;
}
.mob-back-btn i {
  font-size: 13px;
  color: var(--md-yellow);
}

/* ── Sub-panel body — reuse existing mega/dropdown styles ── */
.mob-sub-body {
  padding: 0;
}

/* inside sub-panel, mega__inner resets to single column */
.mob-sub-body .md-mega__inner,
.mob-sub-body .md-mkt-inner {
  display: flex !important;
  flex-direction: column !important;
  grid-template-columns: unset !important;
  padding: 12px 16px 20px !important;
  gap: 0 !important;
}

.mob-sub-body .md-mega__col {
  padding: 12px 0 0;
  width: 100%;
  box-sizing: border-box;
}
.mob-sub-body .md-mega__col:first-child { padding-top: 4px; }
.mob-sub-body .md-mega__col + .md-mega__col {
  border-left: none !important;
  padding-left: 0 !important;
  border-top: 1px solid rgba(255,255,255,.08);
  margin-top: 4px;
}

.mob-sub-body .md-mega__heading {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-yellow);
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding-bottom: 8px;
  margin-bottom: 6px;
}

.mob-sub-body .md-mega__list {
  display: flex;
  flex-direction: column;
  gap: 1px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.mob-sub-body .md-mega__link {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 6px;
  border-radius: 8px;
  text-decoration: none;
  transition: background .15s ease;
  -webkit-tap-highlight-color: transparent;
}
.mob-sub-body .md-mega__link:hover,
.mob-sub-body .md-mega__link:active {
  background: rgba(255,255,255,.06);
}

.mob-sub-body .md-mega__icon {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  background: rgba(255,255,255,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}

.mob-sub-body .md-mega__link-title {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.9);
  display: block;
  line-height: 1.25;
}
.mob-sub-body .md-mega__link-sub {
  font-size: 11px;
  color: rgba(255,255,255,.45);
  display: block;
  margin-top: 1px;
  line-height: 1.3;
}

.mob-sub-body .md-mega__tag {
  font-size: 9px;
  font-weight: 700;
  text-transform: uppercase;
  padding: 2px 6px;
  border-radius: 4px;
  margin-left: auto;
  flex-shrink: 0;
  letter-spacing: .3px;
  white-space: nowrap;
}
.mob-sub-body .md-mega__tag--free { background: #d1fae5; color: #065f46; }
.mob-sub-body .md-mega__tag--new  { background: #fef3c7; color: #92400e; }

.mob-sub-body .md-mega__feature { display: none; }

.mob-sub-body .md-mega__button {
  display: flex !important;
  justify-content: center !important;
  padding: 14px 0 4px !important;
  margin-top: 4px !important;
  border-top: 1px solid rgba(255,255,255,.1) !important;
}
.mob-sub-body .md-mega__button .btn-cta-primary {
  width: 100% !important;
  justify-content: center !important;
  text-align: center !important;
  padding: 11px 16px !important;
  font-size: 13px !important;
  border-radius: 8px !important;
}

/* simple dropdown inside sub-panel */
.mob-sub-body .md-dropdown {
  padding: 8px 16px 16px;
}
.mob-sub-body .md-dropdown__link {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 6px;
  border-radius: 8px;
  font-size: 13.5px;
  color: rgba(255,255,255,.8);
  text-decoration: none;
  -webkit-tap-highlight-color: transparent;
  transition: background .15s ease;
}
.mob-sub-body .md-dropdown__link:hover { background: rgba(255,255,255,.06); color:#fff; }
.mob-sub-body .md-dropdown__link i { color: rgba(255,255,255,.4); }
.mob-sub-body .md-dropdown__divider {
  height: 1px;
  background: rgba(255,255,255,.08);
  margin: 4px 0;
}

/* ═══════════════════════════════════════════════════════════════
   SMALL PHONE TWEAKS  ≤ 768px
═══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .announcement-bar { font-size: 12px; padding: 0 10px; }
  .md-nav__inner { padding: 0 14px; }
  .md-nav__logo img { height: 24px; }
}

@media (max-width: 480px) {
  .announcement-bar { font-size: 11px; }
  .announcement-bar .divider:first-of-type { display: none; }
  .md-nav__inner { padding: 0 12px; }
  .md-nav__logo img { height: 22px; }
  .md-nav__toggle { padding: 6px; }
  .mob-root-btn { font-size: 14px; padding: 14px 16px; }
  .mob-sub-body .md-mega__inner,
  .mob-sub-body .md-mkt-inner { padding: 10px 12px 16px !important; }
}

@media (max-width: 360px) {
  .announcement-bar { font-size: 10.5px; }
  .announcement-bar .divider { display: none; }
  .md-nav__logo img { height: 20px; }
  .mob-root-btn { font-size: 13.5px; padding: 13px 14px; }
}

/* ═══════════════════════════════════════
   FOOTER.CSS — inlined
═══════════════════════════════════════ */
/* ═══════════════════════════════════════════════════════════════
   FOOTER.CSS — MergerDomo
   Fully mobile-responsive
   Breakpoints: 1100px | 900px | 640px | 480px | 360px
═══════════════════════════════════════════════════════════════ */

:root {
  --ann-h: 38px;
  --nav-h: 64px;
}

.md-footer {
  background: var(--md-navy);
  font-family: 'Roboto', sans-serif;
  color: #fff;
  border-top: 1px solid rgba(255, 255, 255, .07);
}

/* ─────────────────────────
   MAIN GRID BODY
───────────────────────── */
.md-footer__body {
  padding: 44px 0 36px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}

.md-footer__grid {
  display: grid;
  grid-template-columns: 220px repeat(5, 1fr);
  gap: 0 28px;
  align-items: start;
}

/* ─────────────────────────
   BRAND COLUMN
───────────────────────── */
.md-footer__brand {
  display: flex;
  flex-direction: column;
}

.md-footer__logo {
  display: block;
  margin-bottom: 22px;
}

.md-footer__logo img {
  height: 28px;
  width: auto;
}

.md-footer__contact {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 22px;
}

.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__addr {
  font-size: 11.5px;
  color: rgba(255, 255, 255, .45);
  line-height: 1.5;
}

.md-footer__addr strong {
  display: block;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .7px;
  color: rgba(255, 255, 255, .65);
  margin-bottom: 1px;
}

.md-footer__addresses {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.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;
  -webkit-tap-highlight-color: transparent;
}

.md-footer__social-icon:hover {
  background: var(--md-blue);
  border-color: var(--md-blue);
  color: #fff;
}

/* ─────────────────────────
   NAV COLUMNS
───────────────────────── */
.md-footer__nav-col {
  min-width: 0;    /* prevent grid blowout */
}

.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;
}

/* ─────────────────────────
   BOTTOM BAR
───────────────────────── */
.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;
}

/* ═══════════════════════════════════════════════════════════════
   ≤ 1100px  —  Tighten columns
═══════════════════════════════════════════════════════════════ */
@media (max-width: 1100px) {
  .md-footer__grid {
    grid-template-columns: 200px repeat(5, 1fr);
    gap: 0 16px;
  }

  .md-footer__nav-list a {
    font-size: 12px;
  }

  .md-footer__nav-heading {
    font-size: 9.5px;
  }
}

/* ═══════════════════════════════════════════════════════════════
   ≤ 900px  —  3-column layout, brand spans full width
═══════════════════════════════════════════════════════════════ */
@media (max-width: 900px) {
  .md-footer__body {
    padding: 36px 0 28px;
  }

  .md-footer__grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px 20px;
  }

  /* Brand spans full width on its own row */
  .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;
  }

  /* Contact and social side-by-side */
  .md-footer__contact {
    margin-bottom: 0;
  }
}

/* ═══════════════════════════════════════════════════════════════
   ≤ 640px  —  2-column nav, single-column brand
═══════════════════════════════════════════════════════════════ */
@media (max-width: 640px) {
  .md-footer__body {
    padding: 28px 0 24px;
  }

  .md-footer__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px 16px;
  }

  /* Brand reverts to single column */
  .md-footer__brand {
    grid-column: 1 / -1;
    display: flex;
    flex-direction: column;
    gap: 16px;
  }

  .md-footer__logo {
    margin-bottom: 0;
  }

  .md-footer__logo img {
    height: 26px;
  }

  .md-footer__contact {
    margin-bottom: 0;
    gap: 12px;
  }

  .md-footer__contact-row {
    font-size: 12px;
  }

  /* Social row */
  .md-footer__social-icons {
    gap: 8px;
  }

  .md-footer__social-icon {
    width: 32px;
    height: 32px;
    font-size: 13px;
  }

  /* Nav headings */
  .md-footer__nav-heading {
    font-size: 10px;
    letter-spacing: .7px;
  }

  .md-footer__nav-list a {
    font-size: 12.5px;
    padding: 5px 0;
  }

  /* Bottom bar stacks */
  .md-footer__bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 0;
  }

  .md-footer__copy {
    font-size: 10.5px;
  }

  .md-footer__legal {
    flex-wrap: wrap;
    gap: 4px 0;
  }

  .md-footer__legal a {
    font-size: 11.5px;
    padding: 3px 9px;
  }

  .md-footer__legal a:first-child {
    padding-left: 0;
  }
}

/* ═══════════════════════════════════════════════════════════════
   ≤ 480px  —  Full-width single-column nav on small phones
═══════════════════════════════════════════════════════════════ */
@media (max-width: 480px) {
  .md-footer__body {
    padding: 24px 0 20px;
  }

  .md-footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px 14px;
  }

  /* M&A Tools + Resources span full width to avoid cramping */
  .md-footer__nav-col:nth-child(5),
  .md-footer__nav-col:nth-child(6) {
    grid-column: span 1;
  }

  .md-footer__logo img {
    height: 24px;
  }

  .md-footer__contact-row {
    font-size: 11.5px;
  }

  .md-footer__addr {
    font-size: 11px;
  }

  .md-footer__nav-list a {
    font-size: 12px;
    padding: 4px 0;
  }

  .md-footer__badge {
    font-size: 8.5px;
  }

  .md-footer__legal a {
    font-size: 11px;
    padding: 3px 7px;
  }

  .md-footer__copy {
    font-size: 10px;
  }
}

/* ═══════════════════════════════════════════════════════════════
   ≤ 360px  —  Very small phones
═══════════════════════════════════════════════════════════════ */
@media (max-width: 360px) {
  .md-footer__grid {
    grid-template-columns: 1fr;
    gap: 20px 0;
  }

  .md-footer__brand {
    gap: 14px;
  }

  .md-footer__nav-heading {
    font-size: 9px;
    letter-spacing: .5px;
  }

  .md-footer__logo img {
    height: 22px;
  }

  .md-footer__legal {
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
  }

  .md-footer__legal a {
    border-right: none;
    padding: 2px 0;
    font-size: 11px;
  }
}

/* ═══════════════════════════════════════
   BREADCRUMB + BODY MARGIN + SHARED
═══════════════════════════════════════ */

/* ── BODY MARGIN (accounts for fixed header) ── */
.body-margin { margin-top: 102px; } /* ann-bar 38px + nav 64px */

/* ── 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 {
    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 (used in mega menu buttons) ── */
.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 {
      --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;}

    /* ── page layout and article styles below — nav/footer handled by custom.css ── */

    /* LAYOUT */
    .article-wrap{max-width:820px;margin:0 auto;padding:0 24px;}
    .full-wrap{max-width:1160px;margin:0 auto;padding:0 24px;}

    /* 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);}

    /* LAYOUT — two column on desktop, single on mobile */
    .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 — desktop only */
    .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);}

    /* JOURNEY MAP — mobile only */
    .journey-map-wrap{background:var(--md-gray-50);border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:24px;margin-bottom:32px;box-shadow:var(--shadow-card);display:none;}
    @media(max-width:1024px){.journey-map-wrap{display:block;}}
    .journey-map-label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-blue);margin-bottom:18px;}
    .journey-map{display:flex;align-items:flex-start;overflow-x:auto;padding-bottom:6px;}
    .journey-map::-webkit-scrollbar{height:3px;} .journey-map::-webkit-scrollbar-thumb{background:var(--md-blue-mid);border-radius:999px;}
    .jmap-item{display:flex;flex-direction:column;align-items:center;flex:1;min-width:72px;cursor:pointer;}
    .jmap-connector{display:flex;align-items:center;padding-top:16px;flex-shrink:0;}
    .jmap-arrow{color:var(--md-gray-200);font-size:14px;}
    .jmap-circle{width:36px;height:36px;border-radius:50%;background:#fff;border:2px solid var(--md-gray-200);color:var(--md-gray-400);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center;margin-bottom:7px;transition:var(--t);}
    .jmap-item:hover .jmap-circle,.jmap-item.active .jmap-circle{background:var(--md-blue);border-color:var(--md-blue);color:#fff;}
    .jmap-name{font-size:9.5px;font-weight:700;color:var(--md-gray-400);text-align:center;line-height:1.3;max-width:60px;transition:var(--t);}
    .jmap-item:hover .jmap-name,.jmap-item.active .jmap-name{color:var(--md-navy);}
    .journey-hint{font-size:11px;color:var(--md-gray-400);margin-top:10px;display:flex;align-items:center;gap:5px;}

    /* MOBILE TOC — collapsible, mobile only */
    .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 .chevron{transition:transform .3s ease;font-size:13px;color:var(--md-gray-400);}
    .mobile-toc-toggle.open .chevron{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{background:var(--md-blue-light);color:var(--md-blue);}
    @media(max-width:1024px){.mobile-toc{display:block;}}

    /* 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;}

    /* 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:first-of-type{border-top:none;padding-top:0;}

    /* 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;}

    /* RESPONSIVE TABLE WRAPPER */
    /* Default — horizontal scroll for calculation/data tables */
    .table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:20px 0;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);}
    .table-scroll::-webkit-scrollbar{height:3px;}
    .table-scroll::-webkit-scrollbar-thumb{background:var(--md-blue-mid);border-radius:999px;}

    /* Stacked card tables — convert to cards on mobile */
    .table-cards{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:20px 0;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);}

    /* BASE TABLE STYLE */
    .md-table{width:100%;border-collapse:collapse;min-width:400px;}
    .md-table thead tr{background:var(--md-navy);}
    .md-table th{padding:11px 14px;text-align:left;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:rgba(255,255,255,.85);white-space:nowrap;}
    .md-table td{padding:13px 14px;font-size:13.5px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);line-height:1.55;vertical-align:top;}
    .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);}

    /* STACKED CARD TABLE — mobile transformation */
    @media(max-width:640px){
      .table-cards{overflow-x:visible;border:none;border-radius:0;box-shadow:none;background:transparent;}
      .table-cards .md-table{min-width:unset;width:100%;display:block;border:none;}
      .table-cards .md-table thead{display:none;}
      .table-cards .md-table tbody{display:flex;flex-direction:column;gap:12px;}
      .table-cards .md-table tr{display:block;background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-card);}
      .table-cards .md-table tr:hover{border-color:var(--md-blue-mid);}
      .table-cards .md-table td{display:flex;padding:10px 14px;border-bottom:1px solid var(--md-gray-200);font-size:13.5px;gap:10px;align-items:flex-start;}
      .table-cards .md-table td:last-child{border-bottom:none;}
      .table-cards .md-table td:first-child{background:var(--md-navy);color:#fff;font-weight:700;font-size:13px;padding:10px 14px;}
      .table-cards .md-table td::before{content:attr(data-label);font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;color:var(--md-blue);min-width:80px;flex-shrink:0;padding-top:2px;}
      .table-cards .md-table td:first-child::before{display:none;}
    }

    /* 7-STAGE SECTION */
    .stage-item{padding:20px 0;border-bottom:1px solid var(--md-gray-200);}
    .stage-item:last-child{border-bottom:none;}
    .stage-label{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--md-blue);margin-bottom:6px;display:flex;align-items:center;gap:8px;}
    .stage-num{width:22px;height:22px;border-radius:50%;background:var(--md-blue);color:#fff;font-size:11px;font-weight:800;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
    .stage-title{font-size:15px;font-weight:700;color:var(--md-navy);margin-bottom:6px;}
    .stage-body{font-size:14.5px;color:var(--md-gray-600);line-height:1.75;margin:0;}

    /* OBSTACLES */
    .obstacle-list{list-style:none;padding:0;margin:16px 0;}
    .obstacle-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;}
    .obstacle-list li:last-child{border-bottom:none;}
    .obstacle-list li::before{content:'';position:absolute;left:0;top:26px;width:8px;height:8px;border-radius:50%;background:#e84b4b;}
    .obstacle-list li strong{color:var(--md-navy);display:block;margin-bottom:4px;font-size:14.5px;}

    /* DISCLOSURE FUNNEL */
    .funnel-strip{display:flex;flex-wrap:wrap;gap:6px;margin:16px 0;align-items:center;}
    .funnel-step{background:var(--md-blue-light);border:1px solid var(--md-blue-mid);border-radius:999px;padding:5px 12px;font-size:12px;font-weight:600;color:var(--md-blue);white-space:nowrap;}
    .funnel-arrow{color:var(--md-gray-400);font-size:14px;font-weight:400;line-height:1;}

    /* 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);}

    /* ─────────────────────────────────────────────────
       CTA + FAQ UNIFIED BAND  (replaces cta-block + faq + cta-banner)
       Colour theory: deep navy-blue bg (#1a4fad), white FAQ card, yellow accents
    ───────────────────────────────────────────────── */
    .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;
    }

    /* LEFT — CTA */
    .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 {
      padding-left: 8px;
      font-size: 11px;
      color: rgba(255,255,255,.3);
      line-height: 1;
    }

    .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;
    }
    .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;
    }
    .cfb-btn-secondary:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.7); color: #fff; }

    /* RIGHT — FAQ card */
    .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;
    }

    /* FAQ items — scoped inside cfb-faq-block */
    .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 {
      width: 26px;
      height: 26px;
      border-radius: 50%;
      background: var(--md-gray-100);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 17px;
      font-weight: 300;
      color: var(--md-gray-600);
      transition: transform .3s ease, background .3s ease, color .3s ease;
      flex-shrink: 0;
    }
    .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: 240px; padding-bottom: 14px; }

    /* Responsive — stack on mobile */
    @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%; }
    }

    /* 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);}

    /* ANIMATIONS */
    [data-animate]{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s ease;}
    [data-animate].animated{opacity:1;transform:translateY(0);}
    [data-delay="100"]{transition-delay:.1s;} [data-delay="200"]{transition-delay:.2s;}

    /* RESPONSIVE */
    @media(max-width:768px){
      .full-wrap{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;}
    }
    @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%; }
}