/* Premium refinement; the approved homepage structure remains intact. */
.concept-home .header .wordmark{font-size:clamp(30px,3.3vw,46px);font-weight:700;letter-spacing:-1.6px;line-height:1.08}
.concept-home .header .tagline{display:flex;justify-content:space-between;width:100%;font:600 clamp(10px,.9vw,12px)/1.2 Arial,sans-serif;letter-spacing:0;margin-top:8px;text-align:initial}
.concept-home .header-inner{min-height:100px}
.concept-home .trust-strip{border-top:1px solid #dccbb9;border-bottom:1px solid #dccbb9}
.concept-home .trust-grid{padding-block:24px}
.concept-home .trust-item strong{font-size:16px;line-height:1.25}
.concept-home .trust-item span{font-size:13px;line-height:1.4}
.concept-home .topics{gap:22px;padding-block:30px}
.concept-home .topic-card{border:1px solid #cdb69e;border-radius:8px;background:#fffdfa;box-shadow:0 4px 16px #472a1710;display:flex;flex-direction:column}
.concept-home .topic-card>img{aspect-ratio:1.75;object-fit:cover;border-bottom:1px solid #cdb69e}
.concept-home .topic-body{padding:22px;display:flex;flex:1;flex-direction:column}
.concept-home .topic-body h2{font-size:clamp(23px,2.2vw,32px);font-weight:500;line-height:1.08;min-height:2.16em;letter-spacing:-.6px}
.concept-home .topic-body p{font-size:17px;line-height:1.45;margin-top:12px;margin-bottom:20px}
.concept-home .topic-body .text-link{margin-top:auto;font-size:15px;line-height:1.4}
.concept-home .guides-band{padding-block:30px}
.concept-home .featured-guide{border:1px solid #cdb69e;border-radius:8px;box-shadow:0 5px 18px #472a1710;min-height:280px}
.concept-home .mini-guide{border-color:#cdb69e;border-radius:7px;background:#fffdfa;box-shadow:0 3px 10px #472a170a;min-height:132px}
.concept-home .mini-guide>img{width:30%;border-right:1px solid #d5c6b5}
.concept-home .mini-guide>div{padding:17px 12px 42px}
.concept-home .mini-guide h3{font-size:17px;line-height:1.25}
.concept-home .mini-guide .mini-label{font-size:10px;line-height:1.4;letter-spacing:.8px}
.concept-home .round-arrow{width:30px;height:30px;right:12px;bottom:10px;border-radius:8px;border:1px solid #a46f48;background:linear-gradient(145deg,#af7b54,#8e542f);box-shadow:inset 0 1px 0 #ffffff50,0 3px 7px #5c381b22;color:white;font:18px/28px Arial,sans-serif;transition:transform .2s}
.concept-home .mini-guide:hover .round-arrow{transform:translateX(2px)}
.concept-home .popular{padding-block:34px}
.concept-home .answer-grid{gap:20px}
.concept-home .answer-card{display:flex;flex-direction:column;background:#fffdfa;border:1px solid #cdb69e;border-radius:8px;padding:9px 9px 18px;box-shadow:0 4px 16px #472a170c}
.concept-home .answer-card:after{display:none!important}
.concept-home .answer-card>img{aspect-ratio:2.1;border-radius:4px;border:1px solid #d9caba;margin-bottom:16px}
.concept-home .answer-card h3,.concept-home .answer-card p,.concept-home .answer-card>.text-link{margin-left:9px;margin-right:9px}
.concept-home .answer-card h3{font-size:24px;line-height:1.18}
.concept-home .answer-card p{font-size:17px;line-height:1.4;margin-block:12px 18px}
.concept-home .answer-card>.text-link{margin-top:auto}
.concept-home .bank-section{padding-bottom:36px}
.concept-home .banks-grid{gap:14px}
.concept-home .bank-tile{border:1px solid #c8ac8f;border-radius:8px;background:linear-gradient(145deg,#fff,#f6f0e6);padding:20px 9px 14px;box-shadow:0 4px 14px #472a170d;transition:transform .2s,box-shadow .2s}
.concept-home .bank-tile img{width:100%;max-width:128px;height:76px;object-fit:contain;mix-blend-mode:normal;padding:5px;margin-bottom:15px}
.concept-home .bank-tile h3{font-family:Arial,Helvetica,sans-serif;font-size:17px;font-weight:700;white-space:normal;letter-spacing:-.35px;line-height:1.2;min-height:2.4em;display:flex;align-items:center;justify-content:center}
.concept-home .bank-tile p{font:600 15px/1.4 Arial,sans-serif;color:#65503d;margin:10px 0 14px}
.concept-home .bank-tile>span:last-child{width:25px;height:25px;border:1px solid #ccb395;border-radius:6px;font:22px/21px Georgia,serif}
.concept-home .bank-tile:hover{box-shadow:0 9px 24px #472a171a;transform:translateY(-3px)}
.concept-home .dots{height:76px;display:flex;align-items:center;margin-bottom:15px}
@media(max-width:1100px){.concept-home .banks-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.concept-home .bank-tile img{max-width:160px;height:84px}.concept-home .bank-tile h3{font-size:18px;min-height:1.2em}.concept-home .guide-grid{grid-template-columns:42% 1fr}.concept-home .mini-guide h3{font-size:15px}.concept-home .topic-body{padding:18px}.concept-home .topic-body p{font-size:16px}.concept-home .trust-item strong{font-size:14px}.concept-home .trust-item span{font-size:12px}.concept-home .answer-card h3{font-size:21px}}
@media(max-width:760px){.concept-home .header-inner{min-height:88px}.concept-home .header .wordmark{font-size:32px}.concept-home .header .tagline{font-size:10px}.concept-home .trust-grid{gap:22px}.concept-home .trust-item strong{font-size:13px}.concept-home .trust-item span{font-size:11px}.concept-home .guide-grid{grid-template-columns:1fr}.concept-home .mini-guides{grid-template-columns:1fr}.concept-home .mini-guide{min-height:132px}.concept-home .mini-guide>img{width:30%;max-width:150px}.concept-home .mini-guide h3{font-size:19px}.concept-home .mini-guide .mini-label{font-size:11px}.concept-home .mini-guide>div{padding:18px 14px 40px}.concept-home .topics{gap:14px}.concept-home .topic-body{padding:16px}.concept-home .topic-body h2{font-size:25px}.concept-home .topic-body p{font-size:15px}.concept-home .topic-body .text-link{font-size:14px}.concept-home .answer-card{padding:7px 7px 16px}.concept-home .answer-card h3{font-size:21px}.concept-home .answer-card p{font-size:15px}.concept-home .banks-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.concept-home .bank-tile img{max-width:150px;height:74px}.concept-home .bank-tile h3{font-size:18px}.concept-home .bank-tile p{font-size:15px}}
@media(max-width:400px){.concept-home .header .wordmark{font-size:29px}.concept-home .header .tagline{font-size:9px}.concept-home .topic-body h2{font-size:23px}.concept-home .topic-body{padding:13px}.concept-home .answer-grid{gap:12px}.concept-home .answer-card h3{font-size:19px}.concept-home .topic-body .text-link{font-size:13px}}
@media(max-width:480px){.concept-home .topics{grid-template-columns:1fr}.concept-home .topic-body{padding:22px}.concept-home .topic-body h2{font-size:30px}.concept-home .topic-body p{font-size:17px;min-height:0}.concept-home .topic-body .text-link{font-size:16px}.concept-home .topic-card>img{aspect-ratio:1.9}}