/* ===== navigation.css ===== */
/* ═══════════════════════════════════════════════════════════════
   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;
}

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

:root {
  --ann-h: 38px;
  --nav-h: 64px;
}
.header-height { height: calc(var(--ann-h) + var(--nav-h)); }
.body-margin { margin-top: calc(var(--ann-h) + var(--nav-h)); }

.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;
  }
}
/* ===== reference-article.css ===== */
: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;}

    /* ── ARTICLE 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-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:5px;}
    .meta-item i{color:var(--md-blue);}

    /* ── SECTION LABELS — SPEC COMPLIANT ── */
    .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;
    }
    .section-part{
      font-size:11px;font-weight:700;text-transform:uppercase;
      letter-spacing:.9px;color:var(--md-gray-400);
      margin-bottom:4px;display:block;
    }

    /* ── HEADINGS — SPEC COMPLIANT ── */
    .article-h1{font-size:clamp(32px,4vw,52px);font-weight:800;color:var(--md-navy);line-height:1.1;margin-bottom:18px;}
    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 — SPEC COMPLIANT ── */
    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);}

    /* ── PULL QUOTE ── */
    .pull-quote{
      border-left:3px solid var(--md-yellow);
      padding:18px 24px;margin:32px 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;
    }

    /* ── INLINE RESOURCE LINK — woven into prose ── */
    .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;}

    /* ── 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;}

    /* ── JOURNEY MAP ── */
    .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:48px;box-shadow:var(--shadow-card);}
    .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:76px;cursor:pointer;}
    .jmap-connector{display:flex;align-items:center;padding-top:16px;flex-shrink:0;}
    .jmap-arrow{color:var(--md-gray-200);font-size:16px;}
    .jmap-circle{width:38px;height:38px;border-radius:50%;background:#fff;border:2px solid var(--md-gray-200);color:var(--md-gray-400);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center;margin-bottom:8px;transition:var(--t);box-shadow:var(--shadow-card);}
    .jmap-item:hover .jmap-circle,.jmap-item.active .jmap-circle{background:var(--md-blue);border-color:var(--md-blue);color:#fff;box-shadow:var(--shadow-blue);}
    .jmap-name{font-size:10px;font-weight:700;color:var(--md-gray-400);text-align:center;line-height:1.3;max-width:64px;transition:var(--t);}
    .jmap-item:hover .jmap-name,.jmap-item.active .jmap-name{color:var(--md-navy);}
    .journey-hint{font-size:11.5px;color:var(--md-gray-400);margin-top:12px;display:flex;align-items:center;gap:5px;}

    /* ── CIBIL CALLOUT ── */
    .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;}
    .cibil-scores{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px;}
    .cibil-score{padding:5px 12px;border-radius:999px;font-size:12px;font-weight:700;}
    .cs-green{background:#dcfce7;color:#16a34a;}
    .cs-yellow{background:#fef9c3;color:#854d0e;}
    .cs-red{background:#fee2e2;color:#dc2626;}

    /* ── DOC LIST ── */
    .doc-list{list-style:none;padding:0;margin:20px 0;}
    .doc-list li{padding:16px 0;border-bottom:1px solid var(--md-gray-200);font-size:15px;color:var(--md-gray-600);line-height:1.75;}
    .doc-list li:last-child{border-bottom:none;}
    .doc-list li strong{color:var(--md-navy);display:block;margin-bottom:4px;font-size:14.5px;}

    /* ── TOOLS STRIP ── */
    .tools-strip{background:var(--md-gray-50);border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:20px 24px;margin:24px 0;}
    .tools-label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-blue);margin-bottom:14px;}
    .tool-row{display:flex;align-items:center;gap:12px;padding:10px 0;border-bottom:1px solid var(--md-gray-200);font-size:14px;}
    .tool-row:last-child{border-bottom:none;}
    .tool-row i{color:var(--md-blue);font-size:16px;flex-shrink:0;width:20px;}
    .tool-row a{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);}
    .tool-row a:hover{color:var(--md-blue-dark);border-bottom-color:var(--md-blue);}
    .tool-desc{color:var(--md-gray-600);font-size:13px;}

    /* ── DOWNLOAD STRIP ── */
    .download-strip{background:var(--md-navy);border-radius:var(--radius-lg);padding:24px 28px;display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin:24px 0;}
    .dl-icon{font-size:32px;flex-shrink:0;}
    .dl-text{flex:1;min-width:200px;}
    .dl-title{font-size:15px;font-weight:700;color:#fff;margin-bottom:4px;}
    .dl-sub{font-size:13px;color:rgba(255,255,255,.65);}

    /* ── PROCESS TABLE ── */
    .process-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);}
    .process-table{width:100%;border-collapse:collapse;}
    .process-table thead tr{background:var(--md-navy);}
    .process-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,.8);}
    .process-table td{padding:13px 16px;font-size:13.5px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);}
    .process-table tr:last-child td{border-bottom:none;}
    .process-table tr:hover td{background:var(--md-blue-light);}
    .process-table td:first-child{font-weight:700;color:var(--md-navy);}

    /* ── 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;}

    /* ── FAQ ── */
    .faq-item{border-bottom:1px solid var(--md-gray-200);}
    .faq-q{display:flex;justify-content:space-between;align-items:center;padding:16px 0;cursor:pointer;font-size:14px;font-weight:600;color:var(--md-navy);transition:var(--t);}
    .faq-q:hover{color:var(--md-blue);}
    .faq-icon{width:26px;height:26px;border-radius:50%;background:var(--md-gray-100);display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:300;color:var(--md-navy);transition:.3s ease;flex-shrink:0;}
    .faq-item.open .faq-icon{transform:rotate(45deg);background:var(--md-blue-dark);color:#fff;}
    .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s ease;font-size:13.5px;color:var(--md-gray-600);line-height:1.7;}
    .faq-item.open .faq-a{max-height:220px;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;}

    /* ── NEXT STEPS ── */
    .next-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0;}
    .next-step{background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:22px;transition:var(--t);}
    .next-step:hover{border-color:var(--md-blue-mid);box-shadow:var(--shadow-card-lg);}
    .next-step-tag{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-blue);margin-bottom:8px;display:block;}
    .next-step-title{font-size:14.5px;font-weight:700;color:var(--md-navy);margin-bottom:8px;}
    .next-step-body{font-size:13.5px;color:var(--md-gray-600);margin-bottom:16px;line-height:1.65;}

    /* ── BUTTONS ── */
    .btn-primary-md{background:var(--md-blue);color:#fff;font-size:14px;font-weight:600;padding:12px 22px;border-radius:var(--radius-sm);border:none;display:inline-flex;align-items:center;gap:7px;transition:.25s ease;box-shadow:0 4px 12px rgba(45,108,223,.14);}
    .btn-primary-md:hover{background:var(--md-blue-dark);color:#fff;transform:translateY(-1px);}
    .btn-primary-md i,.btn-cta-primary i{transition:transform .25s ease;}
    .btn-primary-md:hover i,.btn-cta-primary:hover i{transform:translateX(3px);}
    .btn-outline-sm{background:transparent;color:var(--md-navy);font-size:13.5px;font-weight:600;padding:10px 18px;border-radius:var(--radius-sm);border:1.5px solid var(--md-gray-200);display:inline-flex;align-items:center;gap:6px;transition:.25s ease;}
    .btn-outline-sm:hover{border-color:var(--md-blue);color:var(--md-blue);background:var(--md-blue-light);}
    .btn-cta-primary{background:var(--md-yellow);color:var(--md-navy);font-size:14px;font-weight:700;padding:13px 28px;border-radius:var(--radius-sm);border:none;display:inline-flex;align-items:center;gap:7px;transition:.25s ease;box-shadow:0 4px 14px rgba(255,193,7,.3);}
    .btn-cta-primary:hover{background:var(--md-yellow-dark);color:var(--md-navy);transform:translateY(-1px);}

    /* ── CTA BANNER ── */
    .cta-banner{background:linear-gradient(135deg,var(--md-navy) 0%,#1a2f6e 100%);padding:72px 0;}
    .cta-banner h2{font-size:clamp(24px,3.2vw,38px);font-weight:800;color:#fff;line-height:1.18;margin-bottom:14px;}
    .cta-banner p{font-size:15.5px;color:rgba(255,255,255,.72);line-height:1.65;margin-bottom:28px;max-width:520px;}

    /* ── PAGE LAYOUT (sidebar + article) ── */
    .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 SIDEBAR ── */
    .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 COLUMN ── */
    .article-col{min-width:0;max-width:720px;}

    /* ── MOBILE TOC ── */
    .mobile-toc{
      display:none;background:#fff;
      border-top:1px solid var(--md-gray-200);
      border-bottom:1px solid var(--md-gray-200);
      margin-bottom:24px;
    }
    .mobile-toc-toggle{
      width:100%;display:flex;justify-content:space-between;align-items:center;
      padding:13px 24px;background:none;border:none;
      font-size:13.5px;font-weight:600;color:var(--md-navy);cursor:pointer;
    }
    .mobile-toc-toggle .chevron{transition:transform .25s ease;font-size:12px;color:var(--md-gray-400);}
    .mobile-toc-toggle.open .chevron{transform:rotate(180deg);}
    .mobile-toc-body{display:none;flex-direction:column;padding:4px 16px 12px;gap:2px;}
    .mobile-toc-body.open{display:flex;}
    .mobile-toc-link{
      font-size:13px;font-weight:500;color:var(--md-gray-600);
      padding:7px 8px;border-radius:6px;transition:var(--t);
    }
    .mobile-toc-link:hover{color:var(--md-blue);background:var(--md-blue-light);}

    /* ── JOURNEY MAP: mobile only ── */
    .journey-map-mobile-only{display:none;}

    /* ── 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;}
    [data-delay="100"]{transition-delay:.1s;}[data-delay="200"]{transition-delay:.2s;}

    /* ── RESPONSIVE ── */
    @media(max-width:900px){
      .page-layout{grid-template-columns:1fr;padding:0 16px;}
      .toc-col{display:none;}
      .article-col{max-width:100%;}
      .mobile-toc{display:block;}
      .journey-map-mobile-only{display:block;}
    }
    @media(max-width:768px){
      .article-wrap,.full-wrap{padding:0 16px;}
      .next-steps{grid-template-columns:1fr;}
      .btn-cta-primary,.btn-primary-md,.btn-outline-sm{width:100%;justify-content:center;}
      .download-strip{flex-direction:column;}
      .footer-bottom{flex-direction:column;text-align:center;}
    }
    @media(max-width:520px){
      .article-h1{font-size:26px;}
      h2.guide-h2{font-size:22px;}
    }
/* ═══════════════════════════════════════════════════════════════
   ADDITIONS — icons, mobile TOC, process cards, CTA+FAQ band
═══════════════════════════════════════════════════════════════ */

/* ── 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;
  }
}

/* ── META ITEM SVG alignment ── */
.meta-item { display:flex; align-items:center; gap:6px; }
.meta-item svg { flex-shrink:0; }

/* ── MOBILE TOC — hidden per design spec ── */
.mobile-toc { display:none !important; }

/* ── FAQ — SVG icon, button reset ── */
.faq-q { background:none; border:none; width:100%; text-align:left; cursor:pointer; }
.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; }
.faq-item.open .faq-q { color:var(--md-blue-dark); }

/* ── PROCESS STAGE CARDS (replaces overflowing table) ── */
.process-stage-cards { display:flex; flex-direction:column; gap:0; margin:24px 0; border:1.5px solid var(--md-gray-200); border-radius:var(--radius-lg); overflow:hidden; box-shadow:var(--shadow-card); }
.psc-item { padding:16px 20px; border-bottom:1px solid var(--md-gray-200); background:#fff; transition:background var(--t); }
.psc-item:last-child { border-bottom:none; }
.psc-item:hover { background:var(--md-blue-light); }
.psc-head { display:flex; align-items:center; gap:10px; margin-bottom:6px; flex-wrap:wrap; }
.psc-num { width:26px; height:26px; 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; }
.psc-stage { font-size:14px; font-weight:700; color:var(--md-navy); }
.psc-duration { font-size:11px; font-weight:700; color:var(--md-blue); background:var(--md-blue-light); padding:2px 8px; border-radius:999px; margin-left:auto; white-space:nowrap; }
.psc-who { font-size:11.5px; font-weight:600; color:var(--md-gray-400); text-transform:uppercase; letter-spacing:.5px; margin-bottom:5px; }
.psc-body { font-size:13.5px; color:var(--md-gray-600); line-height:1.7; margin:0; }

/* ── CTA + FAQ UNIFIED BAND ── */
.cta-faq-band { background:var(--md-blue-dark); padding:64px 0; position:relative; overflow:hidden; }
.cta-faq-band::before { content:''; position:absolute; inset:0; background: radial-gradient(ellipse 600px 400px at 100% 0%, rgba(255,193,7,.07) 0%, transparent 60%), radial-gradient(ellipse 400px 300px at 0% 100%, rgba(45,108,223,.18) 0%, transparent 60%); pointer-events:none; }
.cfb-inner { max-width:1160px; margin:0 auto; padding:0 24px; position:relative; z-index:1; }
.cfb-grid { display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start; }
.cfb-cta-block { color:#fff; }
.cfb-badge { display:inline-block; font-size:11px; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--md-yellow); background:rgba(255,193,7,.12); border:1px solid rgba(255,193,7,.3); padding:4px 14px; border-radius:999px; margin-bottom:18px; }
.cfb-h2 { font-size:clamp(22px,2.8vw,34px); font-weight:800; color:#fff; line-height:1.2; letter-spacing:-.02em; margin-bottom:14px; }
.cfb-sub { font-size:14.5px; color:rgba(255,255,255,.72); line-height:1.7; margin-bottom:26px; }
.cfb-steps { display:flex; flex-direction:column; gap:0; margin-bottom:28px; }
.cfb-step { display:flex; align-items:center; gap:12px; font-size:13.5px; color:rgba(255,255,255,.88); font-weight:500; padding:6px 0; }
.cfb-step-num { width:26px; height:26px; background:var(--md-blue); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:11px; font-weight:700; color:#fff; flex-shrink:0; border:1.5px solid rgba(255,255,255,.25); }
.cfb-step-arrow { font-size:11px; color:rgba(255,255,255,.3); line-height:1; padding:2px 0 2px 38px; }
.cfb-btns { display:flex; flex-direction:column; gap:10px; }
.cfb-btn-primary { background:var(--md-yellow); color:var(--md-navy); font-size:14.5px; font-weight:700; padding:14px 26px; border-radius:var(--radius-sm); display:inline-flex; align-items:center; justify-content:center; gap:7px; transition:.25s ease; box-shadow:0 4px 16px rgba(255,193,7,.35); white-space:nowrap; border:none; width:100%; cursor:pointer; }
.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; }

/* FAQ card (right column) */
.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:220px; padding-bottom:14px; }

/* Responsive */
@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%; } }

/* ── INLINE TOC — visible in content flow for Googlebot / sitelinks ── */
.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); }

/* ── CITATION REFERENCES ── */
.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; }
/* ===== embedded icons ===== */
@font-face{font-display:block;font-family:"bootstrap-icons";src:url(data:font/woff2;base64,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) format("woff2");}
.bi::before,
[class^="bi-"]::before,
[class*=" bi-"]::before {
  display: inline-block;
  font-family: bootstrap-icons !important;
  font-style: normal;
  font-weight: normal !important;
  font-variant: normal;
  text-transform: none;
  line-height: 1;
  vertical-align: -.125em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
.bi-chevron-down::before { content: "\f282"; }
.bi-chevron-left::before { content: "\f284"; }
.bi-chevron-right::before { content: "\f285"; }
.bi-envelope::before { content: "\f32f"; }
.bi-facebook::before { content: "\f344"; }
.bi-geo-alt::before { content: "\f3e8"; }
.bi-grid-3x3-gap-fill::before { content: "\f3f8"; }
.bi-info-circle-fill::before { content: "\f430"; }
.bi-linkedin::before { content: "\f472"; }
.bi-twitter-x::before { content: "\f8db"; }
.bi-whatsapp::before { content: "\f618"; }
.bi-youtube::before { content: "\f62b"; }


/* ===== custom: tables, refs ===== */
.md-table-wrap{overflow-x:auto;margin:24px 0;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);}
.md-table{width:100%;border-collapse:collapse;font-size:14px;min-width:560px;}
.md-table th{background:var(--md-navy);color:#fff;text-align:left;padding:12px 16px;font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.5px;}
.md-table td{padding:13px 16px;border-bottom:1px solid var(--md-gray-200);color:var(--md-gray-600);line-height:1.6;vertical-align:top;}
.md-table tbody tr:last-child td{border-bottom:none;}
.md-table tbody tr:hover{background:var(--md-gray-50);}
.md-table td:first-child{font-weight:800;color:var(--md-blue);text-align:center;width:40px;}
.md-table td:nth-child(2){font-weight:700;color:var(--md-navy);width:190px;}
.ref-list{margin:14px 0 0;padding-left:22px;font-size:13px;color:var(--md-gray-600);line-height:1.7;}
.ref-list li{margin-bottom:9px;}
.ref-list a{color:var(--md-blue);}
sup.cite-ref{font-size:11px;color:var(--md-blue);font-weight:700;}

/* ===== documents grid ===== */
.doc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0;}
.doc-cat{background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:20px;box-shadow:var(--shadow-card);}
.doc-cat-head{display:flex;align-items:center;gap:10px;font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;color:var(--md-navy);margin-bottom:14px;}
.doc-cat-ico{width:34px;height:34px;border-radius:10px;background:var(--md-blue-light);color:var(--md-blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.doc-cat-ico svg{width:18px;height:18px;}
.doc-checks{list-style:none;padding:0;margin:0;}
.doc-checks li{display:flex;align-items:flex-start;gap:9px;padding:8px 0;font-size:13.5px;color:var(--md-gray-800);line-height:1.45;border-bottom:1px solid var(--md-gray-100);}
.doc-checks li:last-child{border-bottom:none;}
.doc-checks li svg{width:15px;height:15px;color:var(--md-blue);flex-shrink:0;margin-top:2px;}
/* ===== sharing tip cards ===== */
.tip-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:24px 0;}
.tip-card{display:flex;gap:14px;background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:18px 20px;box-shadow:var(--shadow-card);transition:var(--t);}
.tip-card:hover{box-shadow:var(--shadow-card-lg);transform:translateY(-2px);border-color:var(--md-blue-mid);}
.tip-ico{width:40px;height:40px;border-radius:12px;background:var(--md-blue-light);color:var(--md-blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.tip-ico svg{width:20px;height:20px;}
.tip-body{min-width:0;}
.tip-title{font-size:14.5px;font-weight:700;color:var(--md-navy);margin-bottom:4px;}
.tip-text{font-size:13px;color:var(--md-gray-600);line-height:1.6;margin:0;}
@media(max-width:900px){.doc-grid{grid-template-columns:1fr;}.tip-grid{grid-template-columns:1fr;}}
/* ── 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%;
  }
}