: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;--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;}



/* 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;}
.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;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;}
.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;}
.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;}
.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;}
@media(max-width:900px){.md-footer__grid{grid-template-columns:repeat(3,1fr);gap:28px 20px;}.md-footer__brand{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;gap:20px 24px;}.md-footer__logo{grid-column:1/-1;margin-bottom:0;}.md-footer__contact{margin-bottom:0;}}
@media(max-width:640px){.md-footer__grid{grid-template-columns:repeat(2,1fr);gap:24px 16px;}.md-footer__brand{grid-template-columns:1fr;gap:16px;}}
@media(max-width:360px){.md-footer__grid{grid-template-columns:1fr;gap:20px 0;}.md-footer__legal{flex-direction:column;align-items:flex-start;gap:4px;}.md-footer__legal a{border-right:none;padding:2px 0;}}

/* ── 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;
  }
}
.body-margin{margin-top:102px;}
.btn-cta-primary{display:inline-flex;align-items:center;gap:6px;background:var(--md-yellow);color:var(--md-navy);font-size:13px;font-weight:700;padding:10px 20px;border-radius:8px;border:none;text-decoration:none!important;transition:background .18s ease;}
.btn-cta-primary:hover{background:var(--md-yellow-dark);color:var(--md-navy);}

/* LAYOUT */
.full-wrap{max-width:1160px;margin:0 auto;padding:0 24px;}
.page-layout{display:grid;grid-template-columns:220px 1fr;gap:48px;max-width:1160px;margin:0 auto;padding:0 24px;align-items:start;}
.article-col{min-width:0;max-width:820px;}
.toc-col{position:sticky;top:80px;max-height:calc(100vh - 100px);overflow-y:auto;}
.toc-col::-webkit-scrollbar{width:3px;}.toc-col::-webkit-scrollbar-thumb{background:var(--md-blue-mid);border-radius:999px;}
@media(max-width:1024px){.page-layout{grid-template-columns:1fr;padding:0 16px;}.toc-col{display:none;}}

/* STICKY TOC */
.sticky-toc{background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);overflow:hidden;}
.toc-head{background:var(--md-navy);color:var(--md-yellow);font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:1px;padding:10px 16px;}
.toc-nav{display:flex;flex-direction:column;}
.toc-link{font-size:12.5px;font-weight:500;color:var(--md-gray-600);padding:9px 16px;border-bottom:1px solid var(--md-gray-200);transition:var(--t);display:block;line-height:1.4;}
.toc-link:last-child{border-bottom:none;}
.toc-link:hover,.toc-link.active{background:var(--md-blue-light);color:var(--md-blue);padding-left:20px;font-weight:600;}
.toc-link.active{border-left:3px solid var(--md-blue);}

/* ARTICLE HEADER */
.article-header{padding:56px 0 0;background:#fff;}
.article-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;padding:4px 14px;border-radius:999px;background:var(--md-blue-light);color:var(--md-yellow-dark);margin-bottom:20px;}
.article-h1{font-size:clamp(32px,4vw,52px);font-weight:800;color:var(--md-navy);line-height:1.1;margin-bottom:18px;}
.article-h1 span{color:var(--md-blue);}
.article-lede{font-size:16px;color:var(--md-gray-600);line-height:1.65;margin-bottom:28px;max-width:680px;}
.article-meta{display:flex;align-items:center;gap:20px;flex-wrap:wrap;padding:16px 0;border-top:1px solid var(--md-gray-200);border-bottom:1px solid var(--md-gray-200);margin-bottom:40px;}
.meta-item{font-size:12.5px;color:var(--md-gray-400);display:flex;align-items:center;gap:5px;}.meta-item i{color:var(--md-blue);}

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

/* HEADINGS */
h2.guide-h2{font-size:clamp(22px,3vw,34px);font-weight:800;color:var(--md-navy);line-height:1.18;margin-bottom:16px;}
h3.guide-h3{font-size:17px;font-weight:700;color:var(--md-navy);margin:24px 0 10px;padding-top:4px;}

/* BODY TEXT */
p.guide-p{font-size:15px;color:var(--md-gray-600);line-height:1.75;margin-bottom:14px;}
p.guide-p strong{color:var(--md-navy);font-weight:700;}
p.guide-p a,.inline-guide-link{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);transition:var(--t);padding-bottom:1px;}
p.guide-p a:hover,.inline-guide-link:hover{color:var(--md-blue-dark);border-bottom-color:var(--md-blue);}
.inline-guide-link{display:inline-flex;align-items:center;gap:5px;font-size:14px;}
.inline-guide-link i{font-size:12px;}

/* PULL QUOTE */
.pull-quote{border-left:3px solid var(--md-yellow);padding:16px 22px;margin:24px 0;background:var(--md-gray-50);}
.pull-quote p{font-size:15.5px;font-weight:500;font-style:italic;color:var(--md-navy);line-height:1.65;margin:0;}

/* SECTION DIVIDER */
.article-section{padding:36px 0;border-top:1px solid var(--md-gray-200);}
.article-section:first-of-type{border-top:none;padding-top:0;}

/* SHARE ANCHOR */
.section-heading-row{display:flex;align-items:center;gap:10px;margin-bottom:8px;flex-wrap:wrap;}
.share-anchor{opacity:0;background:none;border:none;padding:4px 6px;cursor:pointer;color:var(--md-gray-400);border-radius:6px;transition:opacity .2s ease,color .2s ease,background .2s ease;flex-shrink:0;}
.share-anchor:hover{color:var(--md-blue);background:var(--md-blue-light);opacity:1!important;}
.section-heading-row:hover .share-anchor{opacity:1;}
.share-anchor i{font-size:14px;pointer-events:none;}
.copy-toast{position:fixed;bottom:24px;left:50%;transform:translateX(-50%);background:var(--md-navy);color:#fff;font-size:13px;font-weight:600;padding:10px 22px;border-radius:999px;z-index:9999;opacity:0;transition:opacity .3s ease;pointer-events:none;}
.copy-toast.show{opacity:1;}

/* QUICK ANSWER BOX */
.quick-answer{background:var(--md-navy);border-radius:var(--radius-lg);padding:24px 28px;margin:28px 0;}
.qa-head{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;color:var(--md-yellow);margin-bottom:16px;display:flex;align-items:center;gap:8px;}
.qa-table{width:100%;border-collapse:collapse;}
.qa-table tr{border-bottom:1px solid rgba(255,255,255,.07);}
.qa-table tr:last-child{border-bottom:none;}
.qa-table td{padding:9px 0;font-size:13.5px;line-height:1.5;vertical-align:top;}
.qa-table td:first-child{color:rgba(255,255,255,.72);font-weight:500;padding-right:20px;width:52%;}
.qa-table td:last-child{color:var(--md-yellow);font-weight:700;}
@media(max-width:600px){.qa-table td:first-child{width:50%;padding-right:12px;font-size:13px;}.qa-table td{font-size:12.5px;}}

/* TABLES */
.table-cards{margin:20px 0;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-card);}
.table-cards table{width:100%;border-collapse:collapse;}
.table-cards thead tr{background:var(--md-navy);}
.table-cards th{padding:11px 14px;text-align:left;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.82);white-space:nowrap;}
.table-cards tbody tr:hover td{background:var(--md-blue-light);}
.table-cards td{padding:11px 14px;font-size:13px;color:var(--md-gray-600);border-bottom:1px solid var(--md-gray-200);vertical-align:top;line-height:1.5;}
.table-cards tr:last-child td{border-bottom:none;}
.table-cards td:first-child{font-weight:700;color:var(--md-navy);}
.table-cards td:nth-child(2){color:var(--md-blue);font-weight:600;}
@media(max-width:700px){
  .table-cards{border:none;box-shadow:none;background:transparent;overflow:visible;}
  .table-cards table{display:block;}
  .table-cards thead{display:none;}
  .table-cards tbody{display:flex;flex-direction:column;gap:10px;}
  .table-cards tr{display:block;background:#fff;border:1.5px solid var(--md-gray-200);border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-card);}
  .table-cards td{display:flex;align-items:flex-start;gap:10px;padding:10px 14px;border-bottom:1px solid var(--md-gray-200);font-size:13px;white-space:normal;}
  .table-cards td:last-child{border-bottom:none;}
  .table-cards td:first-child{background:var(--md-navy);color:#fff;font-size:12.5px;}
  .table-cards td:nth-child(2){color:var(--md-blue);font-weight:600;}
  .table-cards td::before{content:attr(data-label);font-size:9.5px;font-weight:800;text-transform:uppercase;letter-spacing:.7px;color:var(--md-blue);min-width:72px;flex-shrink:0;padding-top:2px;}
  .table-cards td:first-child::before{display:none!important;}
}

/* CALLOUT BOXES */
.callout-box{border-radius:var(--radius-lg);padding:18px 22px;margin:18px 0;}
.callout-box--blue{background:var(--md-blue-light);border:1.5px solid var(--md-blue-mid);}
.callout-box--yellow{background:#fffbeb;border:1.5px solid #fde68a;}
.callout-box--red{background:#fff5f5;border:1.5px solid #fecaca;}
.callout-box--green{background:#f0fdf4;border:1.5px solid #bbf7d0;}
.callout-head{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.9px;margin-bottom:8px;}
.callout-box--blue .callout-head{color:var(--md-blue);}
.callout-box--yellow .callout-head{color:#92400e;}
.callout-box--red .callout-head{color:#b91c1c;}
.callout-box--green .callout-head{color:#166534;}
.callout-body{font-size:13.5px;line-height:1.7;color:var(--md-gray-800);}

/* MD MENTION */
.md-mention{border-left:3px solid var(--md-blue);padding:14px 18px;background:var(--md-blue-light);border-radius:0 var(--radius-md) var(--radius-md) 0;margin:18px 0;font-size:14px;color:var(--md-gray-800);line-height:1.7;}
.md-mention a{color:var(--md-blue);font-weight:600;border-bottom:1px solid var(--md-blue-mid);}

/* DOC CHECKLIST */
.doc-grid{display:flex;flex-direction:column;gap:0;margin:14px 0;}
.doc-item{display:flex;align-items:flex-start;gap:10px;padding:9px 0;border-bottom:1px solid var(--md-gray-200);font-size:13.5px;color:var(--md-gray-600);line-height:1.5;}
.doc-item:last-child{border-bottom:none;}
.doc-item i{color:var(--md-blue);font-size:14px;flex-shrink:0;margin-top:2px;}

/* SOFT CTA */
.soft-cta{background:var(--md-gray-50);border:1.5px solid var(--md-gray-200);border-radius:var(--radius-lg);padding:22px 26px;margin:28px 0;}
.soft-cta-head{font-size:14.5px;font-weight:700;color:var(--md-navy);margin-bottom:8px;}
.soft-cta-body{font-size:14px;color:var(--md-gray-600);line-height:1.7;margin-bottom:16px;}
.soft-cta-btns{display:flex;gap:12px;flex-wrap:wrap;}
.soft-cta-btn-primary{background:var(--md-yellow);color:var(--md-navy);font-size:13.5px;font-weight:700;padding:11px 22px;border-radius:var(--radius-sm);display:inline-flex;align-items:center;gap:6px;transition:.2s ease;}
.soft-cta-btn-primary:hover{background:var(--md-yellow-dark);color:var(--md-navy);}
.soft-cta-btn-secondary{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:.2s ease;}
.soft-cta-btn-secondary:hover{border-color:var(--md-blue);color:var(--md-blue);background:var(--md-blue-light);}
@media(max-width:520px){.soft-cta-btns{flex-direction:column;}.soft-cta-btn-primary,.soft-cta-btn-secondary{justify-content:center;}}

/* RED FLAGS */
.redflag-list{list-style:none;padding:0;margin:18px 0;}
.redflag-list li{padding:13px 0 13px 28px;border-bottom:1px solid var(--md-gray-200);font-size:14px;color:var(--md-gray-600);line-height:1.7;position:relative;}
.redflag-list li:last-child{border-bottom:none;}
.redflag-list li::before{content:'⚠';position:absolute;left:0;top:14px;font-size:13px;color:#e84b4b;}
.redflag-list li strong{color:var(--md-navy);display:block;margin-bottom:3px;font-size:14px;}

/* 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);background:none;border:none;width:100%;text-align:left;}
.faq-q:hover{color:var(--md-blue);}
.faq-icon{width:26px;height:26px;border-radius:50%;background:var(--md-gray-100);display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:300;color:var(--md-navy);transition:.3s ease;flex-shrink:0;}
.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--md-blue-dark);color:#fff;}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s ease;font-size:13.5px;color:var(--md-gray-600);line-height:1.7;}
.faq-item.open .faq-a{max-height:260px;padding-bottom:16px;}

/* RELATED */
.related-link{display:flex;gap:12px;padding:14px 0;border-bottom:1px solid var(--md-gray-200);align-items:center;color:inherit;transition:var(--t);}
.related-link:last-of-type{border-bottom:none;}
.related-link:hover .related-link-title{color:var(--md-blue);}
.related-link-tag{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.8px;color:var(--md-blue);margin-bottom:3px;}
.related-link-title{font-size:14.5px;font-weight:700;color:var(--md-navy);transition:var(--t);}
.related-link-arrow{color:var(--md-gray-400);margin-left:auto;flex-shrink:0;}

/* 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 700px 500px at 110% -10%,rgba(45,108,223,.22) 0%,transparent 60%),radial-gradient(ellipse 500px 400px at -10% 110%,rgba(255,193,7,.07) 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);width:100%;text-decoration:none!important;}
.cfb-btn-primary:hover{background:var(--md-yellow-dark);color:var(--md-navy);transform:translateY(-1px);}
.cfb-btn-secondary{background:transparent;color:rgba(255,255,255,.9);font-size:14.5px;font-weight:600;padding:14px 22px;border-radius:var(--radius-sm);border:1.5px solid rgba(255,255,255,.35);display:inline-flex;align-items:center;justify-content:center;gap:6px;transition:.25s ease;width:100%;text-decoration:none!important;}
.cfb-btn-secondary:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.7);color:#fff;}
.cfb-faq-block{background:#fff;border-radius:var(--radius-lg);padding:28px 24px;box-shadow:0 8px 32px rgba(0,0,0,.14);}
.cfb-faq-title{font-size:15px;font-weight:700;color:var(--md-navy);margin-bottom:16px;line-height:1.35;}
.cfb-faq-block .faq-item{border-bottom:1px solid var(--md-gray-200);}
.cfb-faq-block .faq-item:first-of-type{border-top:1px solid var(--md-gray-200);}
.cfb-faq-block .faq-q{display:flex;justify-content:space-between;align-items:center;padding:14px 0;cursor:pointer;font-size:13.5px;font-weight:600;color:var(--md-navy);transition:color var(--t);gap:12px;background:none;border:none;width:100%;text-align:left;}
.cfb-faq-block .faq-q:hover{color:var(--md-blue);}
.cfb-faq-block .faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s ease;font-size:13px;color:var(--md-gray-600);line-height:1.7;}
.cfb-faq-block .faq-item.open .faq-a{max-height:260px;padding-bottom:14px;}
@media(max-width:900px){.cfb-grid{grid-template-columns:1fr;gap:36px;}}
@media(max-width:768px){.cta-faq-band{padding:48px 0;}.cfb-inner{padding:0 16px;}}

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

/* DISCLAIMER */
.disclaimer{font-size:12px;color:var(--md-gray-400);line-height:1.65;font-style:italic;margin-top:32px;padding-top:20px;border-top:1px solid var(--md-gray-200);}

@media(max-width:768px){.full-wrap{padding:0 16px;}}
@media(max-width:520px){.article-h1{font-size:26px;}h2.guide-h2{font-size:20px;}}
/* ── 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%;
  }
}