/* ═══ DESIGN SYSTEM ═══ */
:root {
  --ann-h: 38px;
  --nav-h: 64px;
  --md-blue: #2d6cdf;
  --md-blue-dark: #1a4fad;
  --md-blue-light: #eef4ff;
  --md-blue-mid: #b8d0f8;
  --md-navy: #0d1b4c;
  --md-yellow: #ffc107;
  --md-yellow-dark: #e6ac00;
  --md-gray-50: #f8fafc;
  --md-gray-100: #f1f5f9;
  --md-gray-200: #e2e8f0;
  --md-gray-400: #94a3b8;
  --md-gray-600: #6b7280;
  --md-gray-800: #1e293b;
  --md-text: #111827;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-card: 0 2px 12px rgba(0, 0, 0, .07);
  --shadow-card-lg: 0 8px 28px rgba(0, 0, 0, .09);
  --shadow-blue: 0 4px 20px rgba(45, 108, 223, .18);
  --t: 0.18s ease;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

* {
  font-family: 'Roboto', sans-serif;
}

a {
  text-decoration: none !important;
  color: inherit;
}

body {
  color: var(--md-text);
  overflow-x: hidden;
  background: #fff;
  margin: 0;
}

/* ═══ 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 ═══ */
.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;
}

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

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

.md-nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.md-nav__toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: rgba(255, 255, 255, .72);
  border-radius: 2px;
  transition: .25s 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);
}

.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;
}

.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);
}

.md-nav__item--mkt {
  padding-left: 16px;
}

.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;
  border: 1.5px solid transparent;
  transition: border .18s ease;
}

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

.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 menus */
.md-mega {
  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 {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

.md-mega__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 22px 24px 20px;
  gap: 0;
}

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

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

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

.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;
}

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

.md-mega__link-text {
  display: flex;
  flex-direction: column;
}

.md-mega__link-title {
  font-size: 13px;
  font-weight: 600;
  color: #1e293b;
  display: block;
  line-height: 1.25;
}

.md-mega__link-sub {
  font-size: 11px;
  color: var(--md-gray-400);
  display: block;
  margin-top: 1px;
  line-height: 1.3;
}

.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;
}

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

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

/* Mobile drawer */
.mob-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, .45);
  z-index: 1198;
  opacity: 0;
  transition: opacity .25s ease;
  pointer-events: none;
}

.mob-overlay.is-visible {
  opacity: 1;
  pointer-events: all;
}

.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;
  }

  .md-nav__toggle {
    display: flex;
  }

  .md-nav__list,
  .md-nav__actions {
    display: none;
  }
}

.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;
}

.mob-panel--root {
  transform: translateX(0);
  opacity: 1;
}

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

.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;
}

.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;
  transition: background .15s ease, color .15s ease;
}

.mob-root-btn:hover {
  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;
  transition: background .15s ease;
}

.mob-root-link:hover {
  background: rgba(255, 255, 255, .05);
}

.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;
}

.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);
}

.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;
  text-align: left;
}

.mob-back-btn i {
  font-size: 13px;
  color: var(--md-yellow);
}

.mob-sub-body {
  padding: 0;
}

.mob-sub-body .md-mega__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;
}

.mob-sub-body .md-mega__link:hover {
  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--free {
  background: #d1fae5;
  color: #065f46;
}

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

/* ── 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 {
  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 HEADER ═══ */
.article-header {
  padding: 56px 0 0;
  background: #fff;
}

.full-wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.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-lede {
  font-size: 16px;
  color: var(--md-gray-600);
  line-height: 1.65;
  margin-bottom: 28px;
  font-weight: 400;
  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: 6px;
}

.meta-item svg {
  flex-shrink: 0;
}

/* ═══ LAYOUT ═══ */
.page-layout {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  gap: 0 48px;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
  align-items: start;
}

.toc-col {
  position: sticky;
  top: 88px;
  max-height: calc(100vh - 100px);
  overflow-y: auto;
  scrollbar-width: none;
}

.toc-col::-webkit-scrollbar {
  display: none;
}

.sticky-toc {
  background: #fff;
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-md);
  padding: 18px 16px;
}

.toc-head {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-blue);
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1.5px solid var(--md-gray-200);
}

.toc-nav {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.toc-link {
  display: block;
  font-size: 12.5px;
  font-weight: 500;
  color: var(--md-gray-600);
  padding: 5px 8px;
  border-radius: 6px;
  transition: var(--t);
  border-left: 2px solid transparent;
}

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

.toc-link.active {
  color: var(--md-blue);
  font-weight: 700;
  background: var(--md-blue-light);
  border-left-color: var(--md-blue);
}

.article-col {
  min-width: 0;
  max-width: 720px;
}

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

.article-section {
  padding: 40px 0;
  border-top: 1px solid var(--md-gray-200);
}

.article-section:first-of-type {
  border-top: none;
  padding-top: 0;
}

h2.guide-h2 {
  font-size: clamp(22px, 3.2vw, 34px);
  font-weight: 800;
  color: var(--md-navy);
  line-height: 1.18;
  margin-bottom: 16px;
}

p.guide-p {
  font-size: 15px;
  color: var(--md-gray-600);
  line-height: 1.75;
  margin-bottom: 18px;
}

p.guide-p strong {
  color: var(--md-navy);
  font-weight: 700;
}

p.guide-p a {
  color: var(--md-blue);
  font-weight: 600;
  border-bottom: 1px solid var(--md-blue-mid);
  transition: var(--t);
}

p.guide-p a:hover {
  border-bottom-color: var(--md-blue);
  color: var(--md-blue-dark);
}

/* ═══ INLINE TOC ═══ */
.inline-toc {
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  background: var(--md-blue-light);
  padding: 18px 22px 16px;
  margin: 0 0 36px;
}

.inline-toc-head {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--md-blue);
  margin: 0 0 12px;
}

.inline-toc-list {
  margin: 0;
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.inline-toc-list li {
  font-size: 13.5px;
  line-height: 1.4;
}

.inline-toc-list a {
  color: var(--md-navy);
  font-weight: 500;
  transition: color var(--t);
}

.inline-toc-list a:hover {
  color: var(--md-blue);
}

/* ═══ PULL QUOTE ═══ */
.pull-quote {
  border-left: 3px solid var(--md-yellow);
  padding: 18px 24px;
  margin: 32px 0;
  background: var(--md-gray-50);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.pull-quote p {
  font-size: 16px;
  font-weight: 500;
  font-style: italic;
  color: var(--md-navy);
  line-height: 1.65;
  margin: 0;
}

/* ═══ CALLOUT BOX ═══ */
.cibil-callout {
  background: var(--md-blue-light);
  border: 1.5px solid var(--md-blue-mid);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
  margin: 24px 0;
}

.cibil-callout-head {
  font-size: 14px;
  font-weight: 700;
  color: var(--md-navy);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* ═══ DATA TABLES ═══ */
.data-table-wrap {
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin: 24px 0;
  box-shadow: var(--shadow-card);
  overflow-x: auto;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  min-width: 480px;
}

.data-table thead tr {
  background: var(--md-navy);
}

.data-table th {
  padding: 12px 16px;
  text-align: left;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: rgba(255, 255, 255, .85);
  white-space: nowrap;
}

.data-table td {
  padding: 11px 16px;
  color: var(--md-gray-600);
  border-bottom: 1px solid var(--md-gray-200);
  vertical-align: top;
  line-height: 1.5;
}

.data-table tr:last-child td {
  border-bottom: none;
}

.data-table tr:hover td {
  background: var(--md-blue-light);
}

.data-table td:first-child {
  font-weight: 700;
  color: var(--md-navy);
}

.data-table td:nth-child(2) {
  font-weight: 700;
  color: var(--md-blue);
  white-space: nowrap;
}

.table-section-head {
  background: var(--md-gray-50);
}

.table-section-head td {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--md-blue);
  padding: 8px 16px;
  border-bottom: 1px solid var(--md-gray-200);
}

/* ═══ 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 strong {
  color: var(--md-navy);
}

.md-mention a {
  color: var(--md-blue);
  font-weight: 600;
  border-bottom: 1px solid var(--md-blue-mid);
}

.md-mention a:hover {
  border-bottom-color: var(--md-blue);
}

/* ═══ MISTAKE LIST ═══ */
.mistake-list {
  list-style: none;
  padding: 0;
  margin: 20px 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;
}

/* ═══ DOC LIST ═══ */
.doc-list {
  list-style: none;
  padding: 0;
  margin: 20px 0;
}

.doc-list li {
  padding: 12px 0 12px 20px;
  border-bottom: 1px solid var(--md-gray-200);
  font-size: 14px;
  color: var(--md-gray-600);
  line-height: 1.75;
  position: relative;
}

.doc-list li:last-child {
  border-bottom: none;
}

.doc-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 21px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--md-blue);
}

/* ═══ CITE REF ═══ */
.cite-ref {
  font-size: 11px;
  font-weight: 700;
  color: var(--md-blue);
  vertical-align: super;
  line-height: 0;
  margin-left: 2px;
  text-decoration: none;
  border-bottom: none;
}

.cite-ref:hover {
  color: var(--md-blue-dark);
  text-decoration: underline;
}

/* ═══ 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;
}

/* ═══ INLINE GUIDE LINK ═══ */
.inline-guide-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--md-blue);
  font-weight: 600;
  font-size: 14px;
  border-bottom: 1px solid var(--md-blue-mid);
  transition: var(--t);
  padding-bottom: 1px;
}

.inline-guide-link:hover {
  color: var(--md-blue-dark);
  border-bottom-color: var(--md-blue);
}

.inline-guide-link i {
  font-size: 12px;
}

/* ═══ ANIMATIONS ═══ */
[data-animate] {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .5s ease, transform .5s ease;
  will-change: opacity, transform;
}

[data-animate].animated {
  opacity: 1;
  transform: translateY(0);
  will-change: auto;
}

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

.cta-faq-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 600px 400px at 100% 0%, rgba(255, 193, 7, .07) 0%, transparent 60%), radial-gradient(ellipse 400px 300px at 0% 100%, rgba(45, 108, 223, .18) 0%, transparent 60%);
  pointer-events: none;
}

.cfb-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

.cfb-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.cfb-cta-block {
  color: #fff;
}

.cfb-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--md-yellow);
  background: rgba(255, 193, 7, .12);
  border: 1px solid rgba(255, 193, 7, .3);
  padding: 4px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.cfb-h2 {
  font-size: clamp(22px, 2.8vw, 34px);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -.02em;
  margin-bottom: 14px;
}

.cfb-sub {
  font-size: 14.5px;
  color: rgba(255, 255, 255, .72);
  line-height: 1.7;
  margin-bottom: 26px;
}

.cfb-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 28px;
}

.cfb-step {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13.5px;
  color: rgba(255, 255, 255, .88);
  font-weight: 500;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .07);
}

.cfb-step:last-child {
  border-bottom: none;
}

.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;
}

.cfb-step-arrow {
  font-size: 13px;
  color: rgba(255, 255, 255, .3);
  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;
}

.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;
}

.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-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: 220px;
  padding-bottom: 14px;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--md-gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--md-gray-600);
  transition: transform .3s ease, background .3s ease, color .3s ease;
  flex-shrink: 0;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--md-blue-dark);
  color: #fff;
}

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

.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;
}

.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;
}

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

.md-footer__nav-col {
  min-width: 0;
}

.md-footer__nav-heading {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-yellow);
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(255, 255, 255, .07);
  white-space: nowrap;
}

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

.md-footer__nav-list a {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 12.5px;
  font-weight: 400;
  color: rgba(255, 255, 255, .55);
  text-decoration: none;
  padding: 4px 0;
  transition: color .18s ease, padding-left .18s ease;
  word-break: break-word;
}

.md-footer__nav-list a:hover {
  color: #fff;
  padding-left: 5px;
}

.md-footer__badge {
  font-size: 9px;
  font-weight: 700;
  background: rgba(45, 108, 223, .3);
  color: #7eb5ff;
  border-radius: 3px;
  padding: 1px 4px;
  flex-shrink: 0;
  margin-left: auto;
  white-space: nowrap;
}

.md-footer__bottom {
  padding: 16px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.md-footer__copy {
  font-size: 11px;
  color: rgba(255, 255, 255, .25);
  text-transform: uppercase;
  letter-spacing: .3px;
  line-height: 1.5;
  margin: 0;
}

.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;
}

/* ═══ RESPONSIVE ═══ */
@media(max-width:900px) {
  .page-layout {
    grid-template-columns: 1fr;
    padding: 0 16px;
  }

  .toc-col {
    display: none;
  }

  .article-col {
    max-width: 100%;
  }

  .cfb-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
}

@media(max-width:768px) {

  .full-wrap,
  .cfb-inner {
    padding: 0 16px;
  }

  .cta-faq-band {
    padding: 48px 0;
  }

  .article-h1 {
    font-size: 28px;
  }
}

@media(max-width:640px) {
  .md-footer__body {
    padding: 28px 0 24px;
  }

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

  .md-footer__brand {
    grid-column: 1 / -1;
  }

  .md-footer__bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media(max-width:480px) {
  .md-footer__grid {
    grid-template-columns: 1fr 1fr;
  }

  .data-table {
    font-size: 12px;
  }

  .data-table th,
  .data-table td {
    padding: 9px 10px;
  }
}
/* ── 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%;
  }
}