:root{
  --bg:#f6f0e8;
  --panel:#fcfaf6;
  --paper:#fffdf9;
  --ink:#0a1630;
  --muted:#667388;
  --line:#e8dfd3;
  --gold:#a86e2a;
  --gold2:#d9ba92;
  --blue:#2748ff;
  --navy:#071938;
  --navy2:#0c244d;
  --green:#406e58;
  --soft-shadow:0 20px 50px rgba(27,28,36,.08);
  --soft-shadow2:0 28px 80px rgba(26,24,31,.12);
  --r:26px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:
    radial-gradient(circle at 12% 10%, rgba(255,255,255,.8), transparent 22%),
    linear-gradient(180deg,#fbf7f1 0%, var(--bg) 100%);
  color:var(--ink);
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4,.serif{
  font-family:Georgia, "Times New Roman", serif;
  letter-spacing:-.035em;
  font-weight:700;
}
a{text-decoration:none;color:inherit}
img{max-width:100%}
.wrap{width:min(1240px, calc(100% - 40px)); margin:auto}
.utility{
  background:#fffdfa;
  border-bottom:1px solid var(--line);
}
.utility .wrap{
  min-height:82px;
  display:grid;
  grid-template-columns:repeat(4,1fr);
}
.utility-item{
  padding:16px 20px;
  display:flex; align-items:center; gap:14px;
  border-right:1px solid var(--line);
}
.utility-item:last-child{border-right:0}
.utility-ico{
  width:38px;height:38px;border-radius:50%;
  background:linear-gradient(180deg,#fff, #f5eee5);
  border:1px solid #eadfd0;
  display:flex;align-items:center;justify-content:center;
  color:var(--gold);font-size:20px;flex:0 0 auto;
}
.utility-item b{display:block;font-size:14px;margin-bottom:2px}
.utility-item span{font-size:12px;color:var(--muted)}
.site-header{
  position:sticky;top:0;z-index:40;
  background:rgba(252,248,241,.92);
  backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(232,223,211,.7);
}
.nav{
  height:78px; display:flex; align-items:center; gap:32px;
}
.logo{
  font-size:24px; font-weight:900; letter-spacing:-.05em;
  white-space:nowrap;
}
.logo span{color:var(--blue)}
.links{display:flex;gap:28px;font-size:15px;font-weight:700;color:#273249}
.links a:hover{color:var(--gold)}
.nav-right{margin-left:auto;display:flex;align-items:center;gap:12px}
.search-form{
  display:flex;align-items:center;gap:10px;
  min-width:310px;background:#fff;border:1px solid #ddd4c8;
  border-radius:999px;padding:0 14px;height:48px;
  box-shadow:0 8px 20px rgba(20,26,43,.05)
}
.search-form input{
  flex:1; border:0; outline:0; background:transparent;
  font-size:14px; min-width:0; color:#243150
}
.search-form .ico{font-size:18px;color:#7b8295}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  border-radius:999px; padding:13px 18px; font-weight:800;
  font-size:14px; cursor:pointer;
  transition:.18s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-dark{background:var(--navy); color:#fff; box-shadow:0 12px 24px rgba(7,25,56,.18)}
.btn-line{border:1px solid #dccfbd; background:#fffdf8}
.btn-gold{
  background:linear-gradient(180deg,#c08b4a,#a86e2a);
  color:#fff; box-shadow:0 14px 28px rgba(168,110,42,.22)
}
.hero{
  position:relative; overflow:hidden;
  padding:48px 0 24px;
}
.hero .wrap{position:relative;z-index:2}
.hero-bg{
  position:absolute; inset:0;
  background:
    radial-gradient(circle at 82% 16%, rgba(255,255,255,.65), transparent 16%),
    radial-gradient(circle at 84% 36%, rgba(255,255,255,.18), transparent 20%),
    linear-gradient(180deg, rgba(255,255,255,.45), rgba(255,255,255,0) 40%);
  pointer-events:none;
}
.grid-hero{
  display:grid; grid-template-columns:1.15fr .85fr; gap:48px; align-items:start;
}
.kicker{
  display:flex; align-items:center; gap:14px;
  text-transform:uppercase; letter-spacing:.22em;
  font-weight:800; font-size:12px; color:var(--gold)
}
.kicker:after{content:""; width:105px; height:1px; background:#c8aa84}
.hero h1{
  font-size:clamp(56px,7vw,96px); line-height:.94; margin:22px 0 18px;
  max-width:840px;
}
.hero h1 em{font-style:italic; color:var(--gold); font-weight:600}
.hero p.lead{
  font-size:20px; color:#42506a; max-width:690px; margin:0 0 30px;
}
.hero-ctas{display:flex; gap:12px; flex-wrap:wrap}
.motto{
  position:absolute; right:35px; top:62px; max-width:200px;
  color:#a07747; font-size:15px; font-family:Georgia, "Times New Roman", serif;
  line-height:1.38; text-align:left;
}
.hero-aside{
  display:grid; gap:18px;
}
.photo-arch{
  height:360px; border-radius:180px 180px 28px 28px; overflow:hidden;
  background:
    linear-gradient(180deg, rgba(255,255,255,.0), rgba(255,255,255,.0)),
    radial-gradient(circle at 78% 22%, rgba(255,255,255,.65), transparent 13%),
    linear-gradient(180deg,#ede3d6 0%, #dbcdbf 35%, #e6dfd5 60%, #efe8df 100%);
  position:relative;
  box-shadow:var(--soft-shadow2);
}
.photo-arch:before{
  content:""; position:absolute; inset:0;
  background:
    linear-gradient(135deg, rgba(0,0,0,.0) 0%, rgba(0,0,0,.0) 45%, rgba(15,15,19,.06) 100%);
}
.plant{
  position:absolute; left:10px; top:14px; width:210px; height:160px;
  filter:drop-shadow(0 10px 15px rgba(0,0,0,.12));
}
.plant:before,.plant:after{content:""; position:absolute; background:#24351f; border-radius:70% 30% 65% 35%/60% 35% 65% 40%}
.plant:before{width:26px;height:110px; left:96px; top:4px; transform:rotate(12deg); border-radius:20px; background:#6b7a54}
.plant:after{display:none}
.leaf{position:absolute; background:linear-gradient(180deg,#213020,#3f5537); border-radius:90% 20% 90% 18%/85% 15% 85% 15%}
.leaf.l1{width:86px;height:26px;left:28px;top:18px;transform:rotate(-22deg)}
.leaf.l2{width:90px;height:28px;left:56px;top:48px;transform:rotate(-7deg)}
.leaf.l3{width:88px;height:26px;left:26px;top:82px;transform:rotate(16deg)}
.leaf.l4{width:100px;height:28px;left:94px;top:30px;transform:rotate(24deg)}
.leaf.l5{width:98px;height:28px;left:104px;top:72px;transform:rotate(42deg)}
.book{
  position:absolute; bottom:48px; left:112px;
  width:330px; height:104px; border-radius:10px;
  background:linear-gradient(180deg,#efe7db,#e1d4c3);
  box-shadow:0 26px 50px rgba(58,37,19,.18);
  transform:skewX(-12deg);
}
.book:before{
  content:"A CLEARER\A WAY FORWARD";
  white-space:pre; position:absolute; right:26px; top:32px;
  color:#835c36; font-size:18px; letter-spacing:.08em; line-height:1.3;
  transform:skewX(12deg);
}
.aside-note{
  padding-left:18px;
  color:#aa7a48; font-size:14px; letter-spacing:.18em; text-transform:uppercase;
}
.card-row{
  margin-top:38px;
  display:grid; grid-template-columns:repeat(4,1fr); gap:16px;
}
.feature-card{
  background:linear-gradient(180deg, rgba(255,255,255,.98), rgba(252,248,242,.96));
  border:1px solid #ebdfd1; border-radius:26px;
  box-shadow:var(--soft-shadow);
  display:grid; grid-template-columns:1fr 126px; overflow:hidden;
  min-height:286px; transition:.18s ease;
}
.feature-card:hover{transform:translateY(-3px); box-shadow:0 28px 70px rgba(26,24,31,.12)}
.feature-main{padding:22px 20px 18px}
.feature-side{
  position:relative; background:#f0eadf;
}
.feature-side.cash{
  background:
    linear-gradient(180deg, rgba(255,255,255,.0), rgba(255,255,255,.0)),
    linear-gradient(180deg,#ede2d3 0%,#ded1c2 100%);
}
.feature-side.move{
  background:
    linear-gradient(180deg, rgba(255,255,255,.0), rgba(255,255,255,.0)),
    linear-gradient(180deg,#efebe4 0%,#d5d4d1 100%);
}
.feature-side.time{
  background:
    radial-gradient(circle at 28% 44%, rgba(255,255,255,.88), transparent 20%),
    linear-gradient(180deg,#e7ddd2 0%,#cdbdaa 100%);
}
.feature-side.alert{
  background:
    linear-gradient(180deg, rgba(255,255,255,.0), rgba(255,255,255,.0)),
    linear-gradient(180deg,#e8eedf 0%,#c8d2bd 100%);
}
.mock-text{
  position:absolute; inset:auto 16px 18px 16px; color:#fff; font-size:11px;
  text-transform:uppercase; letter-spacing:.19em; line-height:1.6;
  text-shadow:0 2px 8px rgba(0,0,0,.22)
}
.mock-text.dark{color:#7e5732;text-shadow:none}
.feature-no{
  color:#b88752; font-weight:800; font-size:14px; letter-spacing:.15em;
  margin-bottom:8px;
}
.feature-icon{
  width:56px;height:56px;border-radius:50%;
  background:linear-gradient(180deg,#fffdf8,#f5eadb);
  border:1px solid #ebdcc7; display:flex; align-items:center; justify-content:center;
  color:var(--gold); font-size:22px; margin-bottom:18px;
}
.feature-card h3{font-size:24px; line-height:1.1; margin:0 0 10px}
.feature-card p{font-size:14px; color:var(--muted); margin:0 0 22px}
.card-link{
  display:flex; align-items:center; justify-content:space-between; gap:8px;
  color:#9a6d3d; text-transform:uppercase; letter-spacing:.16em;
  font-weight:800; font-size:11px;
}
.link-round{
  width:34px;height:34px;border-radius:50%; border:1px solid #dbcab3;
  display:flex;align-items:center;justify-content:center; color:#9a6d3d;
  background:#fff9f0
}
.see-all{
  display:flex; justify-content:flex-end; align-items:center; gap:16px;
  margin-top:18px; color:#173399; font-weight:800;
}
.see-all .line{width:82px;height:1px;background:#b89b76}
.section{
  padding:74px 0;
}
.section.alt{
  background:linear-gradient(180deg,#fffbf6,#f8f1e9);
  border-top:1px solid #ecdfcf;
  border-bottom:1px solid #ecdfcf;
}
.section-head{
  display:flex; justify-content:space-between; align-items:end; gap:20px;
  margin-bottom:28px;
}
.section-head h2{
  font-size:56px; line-height:.95; margin:0;
}
.section-head p{
  margin:8px 0 0; color:var(--muted); font-size:18px
}
.small-label{
  color:#b18758; text-transform:uppercase; letter-spacing:.18em;
  font-size:12px; font-weight:800
}
.knowledge{
  display:grid; grid-template-columns:1.05fr .95fr; gap:22px;
}
.k-hero{
  min-height:360px; background:linear-gradient(140deg,#fffdf8,#f1e8db);
  border:1px solid #eadfce; border-radius:30px; padding:34px; position:relative;
  box-shadow:var(--soft-shadow)
}
.k-hero h3{font-size:42px; line-height:1.02; margin:12px 0 12px; max-width:620px}
.k-hero p{max-width:580px; color:#566177}
.k-hero .cta{margin-top:18px}
.k-hero:after{
  content:""; position:absolute; right:-40px; bottom:-28px;
  width:240px; height:240px; border-radius:50%;
  background:radial-gradient(circle at 30% 30%, rgba(255,255,255,.9), rgba(205,181,149,.45) 60%, rgba(205,181,149,0) 72%);
}
.info-stack{display:grid; gap:16px}
.info-card{
  background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:24px; padding:22px;
  box-shadow:var(--soft-shadow)
}
.info-card h4{font-size:24px; margin:0 0 8px}
.info-card p{margin:0; color:var(--muted)}
.bank-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:14px}
.bank-card{
  background:linear-gradient(180deg,#fffdfa,#fbf6ee);
  border:1px solid #eadfce; border-radius:22px; padding:20px;
  display:flex; gap:14px; box-shadow:var(--soft-shadow); min-height:120px;
  transition:.18s ease
}
.bank-card:hover{transform:translateY(-2px)}
.bank-mark{
  width:48px; height:48px; border-radius:50%;
  background:linear-gradient(180deg,#fffdf7,#f1e5d7);
  border:1px solid #e7d8c5; color:#9e6c38; display:flex; align-items:center; justify-content:center; font-weight:900;
  flex:0 0 auto
}
.bank-card h3{margin:0 0 6px; font-size:22px}
.bank-card p{margin:0; font-size:13px; color:var(--muted)}
.footer{
  margin-top:40px;
  background:linear-gradient(180deg,#0b1730,#0a1224);
  color:#d9e0f0
}
.footer .wrap{padding:44px 0 26px}
.footer-grid{
  display:grid; grid-template-columns:1.3fr 1fr 1fr 1fr; gap:34px;
}
.footer .logo{color:#fff}
.footer p{color:#95a3bf; font-size:14px; max-width:430px}
.footer h4{margin:0 0 12px; font-size:14px; color:#fff}
.footer a{display:block; padding:6px 0; color:#a6b5ce; font-size:14px}
.footer-bottom{
  margin-top:28px; padding-top:18px;
  border-top:1px solid rgba(255,255,255,.08);
  color:#7d8ca8; font-size:12px;
  display:flex; justify-content:space-between; gap:20px
}
.page-hero{
  padding:48px 0 22px;
}
.page-hero .wrap{
  position:relative;
}
.page-hero h1{
  font-size:72px; line-height:.96; margin:14px 0 14px;
}
.page-hero p{
  font-size:19px; color:#47556f; max-width:760px; margin:0;
}
.breadcrumbs{
  font-size:13px; color:#8e99ad;
}
.breadcrumbs span{margin:0 7px; color:#c1c8d5}
.card-grid-3{display:grid; grid-template-columns:repeat(3,1fr); gap:18px}
.article-card{
  background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:25px;
  overflow:hidden; box-shadow:var(--soft-shadow); transition:.18s ease
}
.article-card:hover{transform:translateY(-3px)}
.article-top{
  min-height:174px; background:linear-gradient(145deg,#f1e6d8,#ddd1c1);
  position:relative;
}
.article-top.photo1:after{
  content:"PEOPLE\A MOVE\A POSSIBILITIES";
  white-space:pre; position:absolute; right:20px; bottom:18px;
  color:#fff; font-size:14px; letter-spacing:.18em; line-height:1.5
}
.article-top.photo2:after{
  content:"GOOD\A THINGS\A ARRIVE";
  white-space:pre; position:absolute; right:20px; bottom:18px;
  color:#845f39; font-size:14px; letter-spacing:.18em; line-height:1.5
}
.article-top.photo3:after{
  content:"REAL\A QUESTIONS.\A REAL\A PROGRESS.";
  white-space:pre; position:absolute; right:20px; bottom:18px;
  color:#fff; font-size:14px; letter-spacing:.18em; line-height:1.5
}
.article-top.photo4:after{
  content:"SAME\A GOALS.\A BRIGHTER\A DAYS.";
  white-space:pre; position:absolute; right:20px; bottom:18px;
  color:#815a36; font-size:14px; letter-spacing:.18em; line-height:1.5
}
.article-body-card{padding:22px}
.article-meta{
  color:#b18655; text-transform:uppercase; letter-spacing:.16em;
  font-weight:800; font-size:11px; margin-bottom:10px
}
.article-card h3{font-size:28px; line-height:1.08; margin:0 0 8px}
.article-card p{margin:0 0 18px; color:var(--muted); font-size:14px}
.article-foot{display:flex; justify-content:space-between; align-items:center; color:#7c6f64; font-size:13px}
.article-layout{
  display:grid; grid-template-columns:240px minmax(0,1fr) 290px; gap:30px; align-items:start;
  padding-top:22px;
}
.toc{
  position:sticky; top:108px;
  background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:22px; padding:18px;
  box-shadow:var(--soft-shadow)
}
.toc h4,.rail h4{
  margin:0 0 10px; font-size:14px; letter-spacing:.12em; text-transform:uppercase; color:#a97844; font-family:Inter, sans-serif
}
.toc a{
  display:block; padding:9px 0; font-size:13px; color:#48556d; border-bottom:1px solid #efe6da
}
.toc a:last-child{border-bottom:0}
.article-content{
  background:linear-gradient(180deg,#fffdfa,#fdf8f1);
  border:1px solid #eadfce; border-radius:28px; padding:28px 34px;
  box-shadow:var(--soft-shadow)
}
.quick-box{
  background:linear-gradient(180deg,#fff5e8,#f9eddd);
  border:1px solid #ead8bf; border-radius:24px; padding:24px; margin-bottom:28px
}
.quick-box .tag{
  color:#a26c2c; text-transform:uppercase; letter-spacing:.16em; font-weight:800; font-size:11px
}
.quick-box h2{font-size:34px; margin:10px 0 8px}
.quick-box p{margin:0; color:#49566f; font-size:16px}
.fact-grid{
  display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-bottom:30px;
}
.fact{
  background:#fffefb; border:1px solid #eadfce; border-radius:18px; padding:16px
}
.fact span{display:block; font-size:11px; text-transform:uppercase; letter-spacing:.14em; color:#a98357}
.fact b{display:block; font-size:17px; margin-top:4px}
.article-content h2{font-size:38px; line-height:1.04; margin:38px 0 14px}
.article-content p{font-size:17px; color:#36455e; margin:0 0 18px}
.note{
  background:#f8f0e4; border-left:4px solid #c08b4a; padding:16px 18px; border-radius:0 16px 16px 0;
  margin:26px 0; color:#49566e
}
.table{
  border:1px solid #e7dbc9; border-radius:18px; overflow:hidden; margin:22px 0 28px
}
.table .row{
  display:grid; grid-template-columns:1fr 1.35fr;
  background:#fffefb; border-top:1px solid #eee3d4
}
.table .row:first-child{
  border-top:0; background:#f9f3e8; color:#8a6036; text-transform:uppercase; letter-spacing:.14em; font-size:11px; font-weight:800
}
.table .row div{padding:14px 16px}
.rail{
  position:sticky; top:108px;
}
.rail-card{
  background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:22px; padding:18px;
  box-shadow:var(--soft-shadow); margin-bottom:16px
}
.rail-card a{
  display:block; padding:8px 0; font-size:13px; color:#4b5870; border-top:1px solid #efe6da
}
.rail-card a:first-of-type{border-top:0}
.ad{
  min-height:220px; border:1px dashed #d7c9b4; border-radius:20px; background:#fffbf5;
  display:flex; align-items:center; justify-content:center; text-transform:uppercase; letter-spacing:.2em;
  color:#af8a61; font-size:11px;
}
.stat-row{
  display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:30px
}
.stat{
  background:linear-gradient(180deg,#fffdfa,#fbf5ec); border:1px solid #eadfce; border-radius:22px; padding:20px; box-shadow:var(--soft-shadow)
}
.stat b{display:block; font-size:36px; font-family:Georgia, serif}
.stat span{font-size:12px; color:#7d8797; text-transform:uppercase; letter-spacing:.14em}
.mini-nav{
  display:flex; gap:10px; flex-wrap:wrap; margin-top:16px
}
.mini-nav a{
  border:1px solid #ddcfbb; background:#fffaf3; padding:10px 14px; border-radius:999px; font-size:13px; font-weight:700; color:#5a6478
}
.contact-box, .legal-box{
  max-width:860px; background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:28px; padding:32px; box-shadow:var(--soft-shadow)
}
.legal-box h2,.contact-box h2{font-size:34px; margin:30px 0 10px}
.legal-box h2:first-of-type,.contact-box h2:first-of-type{margin-top:0}
.search-results-list{
  display:grid; gap:14px;
}
.result{
  background:linear-gradient(180deg,#fffdfa,#fbf5ec);
  border:1px solid #eadfce; border-radius:22px; padding:20px; box-shadow:var(--soft-shadow)
}
.result small{
  color:#a98255; text-transform:uppercase; letter-spacing:.14em; font-weight:800
}
.result h3{font-size:27px; margin:6px 0 8px}
.result p{margin:0; color:var(--muted)}
.hide{display:none}
@media(max-width:1100px){
  .grid-hero,.knowledge,.article-layout{grid-template-columns:1fr}
  .motto{position:static; max-width:280px; margin:10px 0 0 auto}
  .hero-aside{order:-1}
  .card-row,.bank-grid{grid-template-columns:repeat(2,1fr)}
  .card-grid-3{grid-template-columns:1fr 1fr}
  .toc,.rail{position:static}
  .utility .wrap{grid-template-columns:1fr 1fr}
  .utility-item:nth-child(2){border-right:0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:740px){
  .wrap{width:min(100% - 24px, 1240px)}
  .nav{height:auto; padding:15px 0; flex-wrap:wrap}
  .links{order:3; width:100%; justify-content:space-between; font-size:14px}
  .nav-right{width:100%; margin-left:0}
  .search-form{min-width:0; flex:1}
  .hero h1,.page-hero h1,.section-head h2{font-size:44px}
  .card-row,.bank-grid,.card-grid-3,.fact-grid,.stat-row{grid-template-columns:1fr}
  .utility .wrap,.footer-grid,.footer-bottom{grid-template-columns:1fr; display:grid}
  .utility-item{border-right:0; border-bottom:1px solid var(--line)}
  .utility-item:last-child{border-bottom:0}
  .feature-card{grid-template-columns:1fr}
  .feature-side{min-height:100px}
  .article-content{padding:22px}
}


/* ===== V2 interactive additions ===== */
.utility-item{
  position:relative;
  transition:transform .18s ease, background .18s ease, box-shadow .18s ease;
  cursor:pointer;
}
.utility-item:hover{
  transform:translateY(-2px);
  background:#fff9f0;
  box-shadow:0 10px 24px rgba(39,31,21,.05);
}
.utility-item:after{
  content:"↗";
  position:absolute;right:12px;top:12px;
  opacity:0;color:var(--gold);
  transition:opacity .18s ease;
}
.utility-item:hover:after{opacity:1}

.tabs{
  display:flex;gap:8px;flex-wrap:wrap;margin:20px 0 24px
}
.tab-btn{
  border:1px solid #dfd0bc;background:#fffaf3;color:#536078;
  border-radius:999px;padding:10px 14px;font-weight:800;font-size:13px;cursor:pointer
}
.tab-btn.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.tab-panel{display:none}
.tab-panel.active{display:block}

.faq{display:grid;gap:10px;margin-top:20px}
.faq-item{
  border:1px solid #e6dac9;background:#fffdf9;border-radius:17px;overflow:hidden
}
.faq-q{
  width:100%;border:0;background:transparent;padding:17px 18px;text-align:left;
  color:var(--ink);font-weight:800;font-size:15px;cursor:pointer;
  display:flex;justify-content:space-between;gap:12px
}
.faq-q span:last-child{color:var(--gold);font-size:20px;transition:transform .2s ease}
.faq-a{
  max-height:0;overflow:hidden;padding:0 18px;color:#58657a;
  transition:max-height .28s ease,padding .28s ease
}
.faq-item.open .faq-a{max-height:260px;padding:0 18px 18px}
.faq-item.open .faq-q span:last-child{transform:rotate(45deg)}

.answer-slider{
  overflow:hidden;position:relative
}
.slider-track{
  display:flex;gap:16px;transition:transform .35s ease
}
.slider-slide{
  min-width:calc((100% - 32px)/3)
}
.slider-controls{
  display:flex;justify-content:flex-end;gap:8px;margin-top:16px
}
.slider-btn{
  width:42px;height:42px;border-radius:50%;border:1px solid #ddcdb7;background:#fffaf3;
  color:#8f6437;font-weight:900;cursor:pointer
}
.slider-btn:hover{background:#f5e8d6}

.source-list{
  border-top:1px solid #e5d8c7;margin-top:28px;padding-top:20px
}
.source-list h3{
  font-family:Inter,sans-serif;font-size:12px;text-transform:uppercase;
  letter-spacing:.16em;color:#a87642;margin:0 0 9px
}
.source-list a{
  display:block;padding:8px 0;border-top:1px solid #efe5d8;
  color:#2444c7;font-size:14px
}
.source-list a:first-of-type{border-top:0}

.verified-badge{
  display:inline-flex;align-items:center;gap:7px;
  background:#edf7f2;color:#2f725b;border:1px solid #d8ebe2;
  border-radius:999px;padding:7px 10px;font-size:11px;font-weight:900;
  text-transform:uppercase;letter-spacing:.09em;margin-top:14px
}

.bank-identity{
  display:flex;align-items:center;gap:12px;margin-top:17px
}
.bank-logo-mark{
  width:44px;height:44px;border-radius:12px;
  background:linear-gradient(145deg,#0b1d42,#2748ff);
  color:#fff;display:flex;align-items:center;justify-content:center;
  font-size:13px;font-weight:900;letter-spacing:.03em;
  box-shadow:0 10px 24px rgba(16,34,74,.16)
}
.bank-identity b{display:block}
.bank-identity span{font-size:12px;color:#7b8699}

.article-title-fix h1{
  font-size:clamp(38px,4.6vw,58px)!important;
  line-height:1.02!important;
  max-width:1050px;
}

.reading-progress{
  position:fixed;top:0;left:0;height:3px;background:linear-gradient(90deg,#a86e2a,#2748ff);
  width:0;z-index:1000
}

.toast{
  position:fixed;right:20px;bottom:20px;background:#09162f;color:white;
  padding:13px 16px;border-radius:14px;box-shadow:0 18px 50px rgba(0,0,0,.24);
  opacity:0;transform:translateY(8px);pointer-events:none;transition:.2s;z-index:999
}
.toast.show{opacity:1;transform:translateY(0)}

@media(max-width:900px){
  .slider-slide{min-width:calc((100% - 16px)/2)}
}
@media(max-width:650px){
  .slider-slide{min-width:100%}
}


/* ===== V3 professional editorial article density ===== */
.pro-article-hero{
  padding:38px 0 26px;
  background:linear-gradient(180deg,rgba(255,255,255,.48),rgba(255,255,255,0));
  border-bottom:1px solid #e9dfd1;
}
.pro-article-hero h1{
  font-size:clamp(38px,4.1vw,54px)!important;
  line-height:1.04!important;
  max-width:960px;
  margin:12px 0 14px!important;
  letter-spacing:-.038em!important;
}
.pro-article-hero .dek{
  max-width:880px;
  font-size:18px;
  line-height:1.58;
  color:#536078;
}
.pro-meta{
  display:flex;align-items:center;gap:12px;flex-wrap:wrap;
  margin-top:17px;color:#788398;font-size:12px
}
.pro-meta .sep{width:4px;height:4px;background:#b7a994;border-radius:50%}

.pro-layout{
  display:grid;
  grid-template-columns:210px minmax(0,800px) 250px;
  gap:28px;
  align-items:start;
  padding-top:28px;
}
.pro-article{
  background:#fffdf9;
  border:1px solid #e8ddcd;
  border-radius:24px;
  padding:30px 38px 38px;
  box-shadow:0 16px 45px rgba(31,28,25,.055);
}
.pro-article p{
  font-size:17px;
  line-height:1.76;
  color:#303f58;
  margin:0 0 19px;
}
.pro-article h2{
  font-size:30px;
  line-height:1.16;
  margin:38px 0 13px;
  letter-spacing:-.028em;
}
.pro-article h3{
  font-size:21px;
  line-height:1.2;
  margin:27px 0 9px;
  font-family:Georgia,"Times New Roman",serif;
}
.pro-article ul,.pro-article ol{
  margin:10px 0 22px;
  padding-left:23px;
  color:#334159;
}
.pro-article li{
  margin:8px 0;
  line-height:1.65;
}
.pro-quick{
  padding:22px 24px;
  border-radius:18px;
  background:linear-gradient(180deg,#fbf2e5,#f7ead8);
  border:1px solid #e7d1b5;
  margin-bottom:25px;
}
.pro-quick .label{
  font-size:10px;font-weight:900;letter-spacing:.16em;text-transform:uppercase;color:#9c682f
}
.pro-quick h2{
  font-size:25px;margin:7px 0 8px;
}
.pro-quick p{margin:0;font-size:16px;line-height:1.67}
.pro-facts{
  display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0 26px
}
.pro-fact{
  border:1px solid #e9dfd2;border-radius:14px;background:#fffefb;padding:14px
}
.pro-fact span{
  display:block;font-size:10px;text-transform:uppercase;letter-spacing:.11em;color:#a27b51;margin-bottom:3px
}
.pro-fact b{font-size:15px}
.pro-table{
  border:1px solid #e5d9c8;border-radius:15px;overflow:hidden;margin:20px 0 28px
}
.pro-row{
  display:grid;grid-template-columns:.9fr 1.4fr;border-top:1px solid #eee4d7;background:#fffefb
}
.pro-row:first-child{
  border-top:0;background:#f7efe3;color:#875e34;text-transform:uppercase;letter-spacing:.1em;font-size:10px;font-weight:900
}
.pro-row>div{padding:13px 15px}
.pro-callout{
  background:#f4f7fb;border-left:4px solid #2748ff;
  padding:16px 18px;border-radius:0 13px 13px 0;
  margin:25px 0;color:#43506a;font-size:15px;line-height:1.65
}
.pro-example{
  border:1px solid #e5d8c8;background:#fbf6ef;border-radius:17px;padding:18px 20px;margin:20px 0 26px
}
.pro-example b{
  display:block;font-size:11px;text-transform:uppercase;letter-spacing:.13em;color:#9a6b39;margin-bottom:7px
}
.pro-source{
  margin-top:36px;padding-top:20px;border-top:1px solid #e8ddcf
}
.pro-source h3{
  font-family:Inter,sans-serif;font-size:11px;letter-spacing:.15em;text-transform:uppercase;color:#a26f3a;margin:0 0 8px
}
.pro-source a{
  display:block;padding:8px 0;border-top:1px solid #f0e8de;color:#2648ca;font-size:13px
}
.pro-source a:first-of-type{border-top:0}
.pro-toc{
  position:sticky;top:104px;
  padding:15px 0
}
.pro-toc h4{
  font-family:Inter,sans-serif;margin:0 0 9px;
  font-size:10px;text-transform:uppercase;letter-spacing:.16em;color:#9b744c
}
.pro-toc a{
  display:block;font-size:12px;color:#617087;padding:7px 0;border-bottom:1px solid #eee5da
}
.pro-rail{position:sticky;top:104px}
.pro-rail-card{
  background:#fffdf9;border:1px solid #e8ddcf;border-radius:18px;padding:16px;margin-bottom:14px
}
.pro-rail-card h4{
  font-family:Inter,sans-serif;font-size:11px;text-transform:uppercase;letter-spacing:.14em;color:#9b7045;margin:0 0 8px
}
.pro-rail-card a{
  display:block;padding:7px 0;border-top:1px solid #f0e8de;color:#58667c;font-size:12px
}
.pro-rail-card a:first-of-type{border-top:0}
.pro-wordcount{
  display:inline-flex;align-items:center;gap:7px;
  margin-top:12px;border:1px solid #e2d5c4;background:#fff9f0;
  border-radius:999px;padding:6px 10px;font-size:11px;color:#776a5e
}
@media(max-width:1050px){
  .pro-layout{grid-template-columns:minmax(0,800px) 230px}
  .pro-toc{display:none}
}
@media(max-width:780px){
  .pro-layout{grid-template-columns:1fr}
  .pro-rail{position:static}
  .pro-article{padding:23px 20px}
  .pro-facts{grid-template-columns:1fr}
  .pro-article-hero h1{font-size:36px!important}
}


/* ===== Luxury patch v1: connect persistent images, preserve V3 design ===== */

/* Smaller headings: still editorial, no giant screen-filling titles */
.hero h1{
  font-size:clamp(52px,5.25vw,74px);
  line-height:.98;
  margin:18px 0 16px;
}
.page-hero h1{
  font-size:clamp(40px,4vw,56px);
  line-height:1.01;
}
.section-head h2{
  font-size:clamp(34px,3vw,48px);
}
.pro-article-hero h1{
  font-size:clamp(34px,3.2vw,46px)!important;
  line-height:1.08!important;
}

/* Home hero: use the permanent luxury editorial image inside the existing arch */
.luxury-photo-arch{
  height:360px;
  padding:0;
  background:#e8dfd3;
}
.luxury-photo-arch:before{display:none}
.luxury-photo-arch img{
  width:100%;
  height:100%;
  display:block;
  object-fit:cover;
}

/* Real article thumbnails without changing card proportions */
.article-top-image{
  min-height:174px;
  height:174px;
  overflow:hidden;
  background:#e8dfd3;
}
.article-top-image:after{display:none!important}
.article-top-image img{
  width:100%;
  height:100%;
  display:block;
  object-fit:cover;
}

/* Small bank/service badges */
.bank-mark-image{
  width:64px;
  height:54px;
  padding:4px;
  overflow:hidden;
  background:#fff;
  border:1px solid #eadfce;
}
.bank-mark-image img{
  width:100%;
  height:100%;
  object-fit:contain;
  display:block;
}
.bank-logo-image{
  overflow:hidden;
  padding:2px;
  background:#fff;
  border:1px solid #eadfce;
}
.bank-logo-image img{
  width:100%;
  height:100%;
  display:block;
  object-fit:contain;
}
.bank-page-logo{
  width:170px;
  margin:14px 0 10px;
}
.bank-page-logo img{
  width:100%;
  height:auto;
  display:block;
  border-radius:12px;
}

/* Main image inside professional articles */
.article-editorial-image{
  margin:22px 0 26px;
}
.article-editorial-image img{
  width:100%;
  display:block;
  aspect-ratio:16/9;
  object-fit:cover;
  border-radius:18px;
  border:1px solid #e8ddcd;
  box-shadow:0 16px 40px rgba(31,28,25,.06);
}

/* Ads: visible, clearly separated, no deceptive placement */
.ad-wrap{
  margin-top:18px;
  margin-bottom:18px;
}
.ad-wide{
  min-height:96px;
  border-radius:16px;
}
.ad-mid-article{
  min-height:170px;
  margin:30px 0;
}
.ad-before-faq{
  min-height:140px;
  margin:30px 0 24px;
}

/* Category and guide visuals */
.category-hero-image,
.guide-hero-image{
  max-width:880px;
  margin:4px 0 28px;
  border-radius:24px;
  overflow:hidden;
  border:1px solid #e8ddcd;
  box-shadow:var(--soft-shadow);
}
.category-hero-image img,
.guide-hero-image img{
  width:100%;
  aspect-ratio:16/9;
  object-fit:cover;
  display:block;
}
.feature-side-photo{
  padding:0!important;
  overflow:hidden;
}
.feature-side-photo img{
  width:100%;
  height:100%;
  display:block;
  object-fit:cover;
}
.guide-card-thumb{
  width:100%;
  height:150px;
  overflow:hidden;
  border-radius:16px;
  margin:0 0 16px;
}
.guide-card-thumb img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
}

@media(max-width:650px){
  .hero h1{font-size:46px}
  .page-hero h1{font-size:38px}
  .pro-article-hero h1{font-size:34px!important}
}

/* Compact editorial headings */
.hero h1{font-size:clamp(38px,4vw,56px);line-height:1.08}
.page-hero h1{font-size:clamp(30px,3.2vw,42px);line-height:1.12}
.section-head h2{font-size:clamp(27px,2.6vw,36px)}
.pro-article-hero h1{font-size:clamp(28px,3vw,40px)!important;line-height:1.14!important}

/* ===== Editorial reference refinement — 2026-09-12 =====
   Re-align the home page with the approved warm editorial concept.
   Keeps the permanent HQ image paths unchanged. */

/* tighter, calmer top chrome */
.site-header .nav{height:66px}
.search-form{height:44px;min-width:300px}
.site-header .btn{padding:11px 17px}
.utility .wrap{min-height:62px}
.utility-item{padding:10px 18px;gap:12px}
.utility-ico{width:34px;height:34px;font-size:18px}
.utility-item b{font-size:13px}
.utility-item span{font-size:11px;line-height:1.35}

/* home hero: compact editorial composition instead of a large conventional photo block */
.hero{padding:34px 0 20px}
.hero-bg{
  background:
    radial-gradient(circle at 74% 18%,rgba(255,255,255,.74),transparent 19%),
    radial-gradient(circle at 14% 36%,rgba(255,255,255,.46),transparent 24%),
    linear-gradient(180deg,rgba(255,255,255,.36),rgba(255,255,255,0) 55%);
}
.grid-hero{
  grid-template-columns:minmax(0,1.03fr) minmax(470px,.97fr);
  gap:34px;
  align-items:center;
  min-height:286px;
}
.hero .kicker{font-size:10px;letter-spacing:.24em;gap:12px}
.hero .kicker:after{width:86px}
.hero h1{
  font-size:clamp(42px,4.2vw,62px);
  line-height:.96;
  margin:18px 0 14px;
  max-width:650px;
}
.hero h1 em{font-weight:600}
.hero p.lead{
  font-size:17px;
  line-height:1.55;
  max-width:610px;
  margin:0;
}
/* The approved reference had no bulky CTA row between the intro and answer cards. */
.hero-ctas{display:none}

.hero-aside{
  position:relative;
  display:block;
  min-height:286px;
}
.luxury-photo-arch{
  position:absolute;
  right:86px;
  top:0;
  width:360px;
  height:272px;
  border-radius:190px 2px 2px 30px / 214px 2px 2px 34px;
  box-shadow:none;
  overflow:hidden;
  background:#e8dfd3;
}
.luxury-photo-arch img{
  width:100%;
  height:100%;
  display:block;
  object-fit:cover;
  object-position:54% 50%;
}
.hero .aside-note{
  position:absolute;
  left:-34px;
  top:70px;
  width:126px;
  z-index:3;
  padding:0;
  font-size:9px;
  line-height:1.55;
  letter-spacing:.22em;
  color:#a97948;
}
.hero .aside-note:after{
  content:"";
  display:block;
  width:42px;
  height:1px;
  margin-top:12px;
  background:#b9936b;
}
.hero .motto{
  right:-4px;
  top:64px;
  width:114px;
  max-width:114px;
  font-size:18px;
  line-height:1.18;
  font-style:italic;
  color:#946431;
}
.hero .motto:after{
  content:"";
  display:block;
  width:40px;
  height:1px;
  margin-top:12px;
  background:#b9936b;
}

/* answer cards: restore the compact magazine-card proportions from the reference */
.card-row{
  margin-top:22px;
  gap:14px;
}
.feature-card{
  grid-template-columns:minmax(0,1fr) 92px;
  min-height:214px;
  border-radius:18px;
  box-shadow:0 15px 36px rgba(35,31,26,.065);
}
.feature-card:hover{transform:translateY(-2px);box-shadow:0 20px 44px rgba(35,31,26,.09)}
.feature-main{padding:15px 14px 13px}
.feature-no{font-size:11px;margin-bottom:6px}
.feature-icon{
  width:38px;
  height:38px;
  font-size:16px;
  margin-bottom:11px;
}
.feature-card h3{
  font-size:18px;
  line-height:1.08;
  letter-spacing:-.028em;
  margin:0 0 7px;
}
.feature-card p{
  font-size:11px;
  line-height:1.45;
  margin:0 0 13px;
}
.card-link{font-size:8.5px;letter-spacing:.17em}
.link-round{width:26px;height:26px;font-size:10px}
.feature-side-photo{position:relative}
.feature-side-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center;
}
.feature-side-photo:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  background:linear-gradient(180deg,rgba(7,15,24,.02) 30%,rgba(7,15,24,.46) 100%);
  pointer-events:none;
}
.feature-side-photo:after{
  position:absolute;
  left:9px;
  right:7px;
  bottom:11px;
  z-index:2;
  white-space:pre-line;
  color:rgba(255,255,255,.93);
  font-size:7px;
  line-height:1.58;
  letter-spacing:.18em;
  text-transform:uppercase;
  text-shadow:0 1px 5px rgba(0,0,0,.28);
}
.feature-card:nth-child(1) .feature-side-photo:after{content:"SAME GOALS.\A BRIGHTER DAYS."}
.feature-card:nth-child(2) .feature-side-photo:after{content:"PEOPLE MOVE\A POSSIBILITIES"}
.feature-card:nth-child(3) .feature-side-photo:after{content:"GOOD THINGS\A ARRIVE"}
.feature-card:nth-child(4) .feature-side-photo:after{content:"REAL QUESTIONS.\A REAL PROGRESS."}
.see-all{margin-top:13px;font-size:13px;gap:12px}
.see-all .line{width:66px}

/* keep the first section close to the hero, as in the approved composition */
.hero + .section{padding-top:56px}

@media(max-width:1180px){
  .grid-hero{grid-template-columns:1fr 430px}
  .luxury-photo-arch{right:68px;width:320px;height:254px}
  .hero .aside-note{left:-12px}
  .hero .motto{right:-3px}
  .feature-card{grid-template-columns:minmax(0,1fr) 80px}
}
@media(max-width:900px){
  .grid-hero{grid-template-columns:1fr;min-height:0}
  .hero-aside{min-height:260px;margin-top:4px}
  .luxury-photo-arch{left:120px;right:auto;width:min(62vw,430px)}
  .hero .aside-note{left:20px}
  .hero .motto{right:20px}
  .card-row{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:650px){
  .site-header .nav{height:62px}
  .utility .wrap{min-height:0}
  .hero{padding-top:26px}
  .hero h1{font-size:42px}
  .hero p.lead{font-size:16px}
  .hero-aside{min-height:228px}
  .luxury-photo-arch{left:72px;width:calc(100% - 112px);height:220px}
  .hero .aside-note{left:0;top:54px}
  .hero .motto{right:0;top:52px;font-size:16px;width:94px}
  .card-row{grid-template-columns:1fr}
  .feature-card{grid-template-columns:minmax(0,1fr) 104px;min-height:205px}
}


/* =====================================================================
   MyBankAnswers V5 — approved Editorial Luxury reference
   Purpose: faithfully reproduce yesterday's concept while keeping pages
   functional, responsive and the article/bank content intact.
   ===================================================================== */
.utility-ico svg{width:24px;height:24px;display:block}

/* Header remains deliberately narrower, exactly like the approved concept. */
.site-header .nav{
  width:min(1200px,calc(100% - 42px));
  height:68px;
  gap:34px;
}
.site-header{background:rgba(253,250,245,.965);box-shadow:none}
.site-header .logo{font-size:22px}
.site-header .links{gap:31px;font-size:13px}
.site-header .search-form{min-width:242px;width:242px;height:42px;box-shadow:none;background:#fff;border-color:#e5ded4}
.site-header .btn{padding:11px 20px;font-size:13px}
.site-header .nav-right{gap:13px}

/* Trust strip: wider than header and cleaner than the previous emoji version. */
.utility{background:#fffdfa;border-color:#eadfce}
.utility .wrap{width:min(1390px,calc(100% - 64px));min-height:82px}
.utility-item{padding:16px 26px;gap:16px}
.utility-ico{width:34px;height:34px;border:0;background:transparent;color:#a66f30;border-radius:0}
.utility-item b{font-size:13px;color:#111c34}
.utility-item span{font-size:11px;color:#657287}

/* Warm, nearly white editorial canvas. */
.hero-reference{
  padding:0 0 30px!important;
  overflow:hidden;
  background:
    radial-gradient(circle at 2% 35%,rgba(255,255,255,.92),transparent 21%),
    radial-gradient(circle at 76% 4%,rgba(255,255,255,.68),transparent 25%),
    linear-gradient(180deg,#faf5ee 0%,#f9f2e8 100%);
  border-bottom:1px solid #e9dccb;
}
.hero-reference .hero-bg{
  background:
    radial-gradient(circle at 10% 14%,rgba(255,255,255,.78),transparent 20%),
    linear-gradient(120deg,rgba(255,255,255,.2),rgba(255,255,255,0) 45%);
}
.hero-reference .hero-wide{width:min(1472px,calc(100% - 88px));max-width:none}
.reference-hero-top{
  position:relative;
  display:grid;
  grid-template-columns:minmax(590px,1.22fr) 165px minmax(420px,.9fr) 150px;
  align-items:center;
  min-height:350px;
  padding-top:14px;
}
.reference-copy{align-self:center;padding:0 0 6px 0;z-index:3}
.hero-reference .kicker{font-size:10px;letter-spacing:.25em;color:#a97134;gap:14px;margin-bottom:22px}
.hero-reference .kicker:after{width:108px;background:#ba956d}
.hero-reference h1{
  font-size:clamp(58px,4.8vw,78px)!important;
  line-height:.91!important;
  margin:0 0 22px!important;
  letter-spacing:-.052em;
  max-width:650px;
  color:#09152d;
}
.hero-reference h1 em{display:inline-block;font-weight:600!important;color:#a86d29!important;line-height:.91}
.hero-reference p.lead{font-family:Georgia,"Times New Roman",serif;font-size:19px!important;line-height:1.4;color:#26364f;max-width:650px;margin:0!important}
.reference-mid-note{
  align-self:center;
  justify-self:start;
  margin-top:18px;
  color:#aa7a48;
  text-transform:uppercase;
  letter-spacing:.26em;
  font-size:9px;
  line-height:1.65;
  white-space:nowrap;
  z-index:4;
}
.reference-mid-note span,.reference-motto span{display:block;width:42px;height:1px;background:#b78f66;margin-top:15px}
.reference-visual{
  align-self:stretch;
  position:relative;
  z-index:2;
  overflow:hidden;
  margin-left:-32px;
  height:350px;
}
.reference-visual img{width:100%;height:100%;object-fit:cover;object-position:center;display:block}
.reference-motto{
  align-self:center;
  justify-self:center;
  margin:0 0 50px 10px;
  color:#8e5d2d;
  font-family:Georgia,"Times New Roman",serif;
  font-style:italic;
  font-size:23px;
  line-height:1.18;
  z-index:4;
}

/* Four editorial cards: desktop proportions copied from the approved image. */
.hero-reference .reference-cards{margin-top:0;gap:22px;grid-template-columns:repeat(4,minmax(0,1fr));position:relative;z-index:5}
.hero-reference .feature-card{
  grid-template-columns:minmax(0,1.62fr) minmax(118px,.98fr)!important;
  min-height:286px!important;
  height:286px;
  border-radius:14px!important;
  border:1px solid #eadfce;
  background:rgba(255,255,255,.93);
  box-shadow:0 14px 30px rgba(53,43,30,.055)!important;
  overflow:hidden;
}
.hero-reference .feature-card:hover{transform:translateY(-2px);box-shadow:0 18px 40px rgba(53,43,30,.09)!important}
.hero-reference .feature-main{padding:18px 18px 16px!important;display:flex;flex-direction:column;min-width:0}
.hero-reference .feature-no{font-size:11px!important;letter-spacing:.12em;margin:0 0 6px!important;color:#a87136}
.hero-reference .feature-icon{
  width:53px!important;height:53px!important;margin:0 0 12px!important;
  font-size:20px!important;border-radius:50%!important;background:#faf3e8!important;border:0!important;color:#9f6a2d!important
}
.hero-reference .feature-card h3{font-size:22px!important;line-height:1.04!important;letter-spacing:-.035em;margin:0 0 10px!important;color:#0b1830}
.hero-reference .feature-card p{font-size:12px!important;line-height:1.45!important;color:#66738a;margin:0 0 12px!important}
.hero-reference .card-link{margin-top:auto;font-size:9px!important;letter-spacing:.18em!important;color:#9b672e!important}
.hero-reference .link-round{width:30px!important;height:30px!important;font-size:11px;border-color:#d8c5ad;background:#fffdf9}
.hero-reference .feature-side-photo{position:relative;padding:0!important;overflow:hidden;background:#e8dfd3}
.hero-reference .feature-side-photo:before,.hero-reference .feature-side-photo:after{display:none!important}
.hero-reference .feature-side-photo img{width:100%;height:100%;display:block;object-fit:cover!important;object-position:center!important}
.reference-card-caption{
  position:absolute;right:9px;margin-top:-238px;
  color:#76808f;text-transform:uppercase;letter-spacing:.23em;font-size:7px;line-height:2.15;z-index:6
}
.hero-reference .see-all{margin-top:16px;font-size:13px;gap:15px;color:#0b3297;font-weight:800;padding-right:0}
.hero-reference .see-all .line{width:78px;background:#b6956b}

/* The next headline should look like the same editorial spread, not a new template. */
.hero-reference + .section{padding-top:38px!important}
.hero-reference + .section .wrap{width:min(1370px,calc(100% - 88px));max-width:none}
.hero-reference + .section .section-head h2{font-size:clamp(39px,3.4vw,52px)!important;line-height:.98}
.hero-reference + .section .section-head{margin-bottom:24px}
.hero-reference + .section .small-label{letter-spacing:.21em}

/* Calm down lower-page chrome as well. */
.section{padding-top:62px;padding-bottom:62px}
.section-head h2{font-size:clamp(30px,2.7vw,40px)}
.page-hero h1{font-size:clamp(32px,3.25vw,44px)!important}
.pro-article-hero h1{font-size:clamp(30px,3vw,42px)!important}
.article-card,.info-card,.k-hero,.bank-card{box-shadow:0 14px 34px rgba(45,40,34,.055)}

@media(max-width:1300px){
  .hero-reference .hero-wide{width:min(1220px,calc(100% - 48px))}
  .reference-hero-top{grid-template-columns:minmax(500px,1.12fr) 125px minmax(380px,.9fr) 115px;min-height:330px}
  .reference-visual{height:330px;margin-left:-16px}
  .hero-reference h1{font-size:clamp(52px,5.4vw,70px)!important}
  .hero-reference .feature-card{grid-template-columns:minmax(0,1.55fr) 104px!important;height:260px;min-height:260px!important}
  .hero-reference .feature-card h3{font-size:19px!important}
  .reference-card-caption{display:none}
}
@media(max-width:980px){
  .site-header .nav{width:min(100% - 34px,1200px)}
  .site-header .links{display:none}
  .site-header .search-form{display:none}
  .utility .wrap{width:min(100% - 28px,1390px);grid-template-columns:repeat(2,1fr)}
  .utility-item:nth-child(2){border-right:0}
  .reference-hero-top{grid-template-columns:1fr 150px;min-height:auto;padding:42px 0 22px}
  .reference-copy{grid-column:1 / -1;max-width:660px}
  .reference-mid-note{display:none}
  .reference-visual{grid-column:1 / -1;margin:28px 0 0 auto;width:min(76vw,620px);height:330px}
  .reference-motto{position:absolute;right:8px;bottom:78px;margin:0}
  .hero-reference .reference-cards{grid-template-columns:repeat(2,1fr)}
  .hero-reference .feature-card{height:270px;min-height:270px!important;grid-template-columns:minmax(0,1.6fr) 118px!important}
}
@media(max-width:650px){
  .hero-reference .hero-wide{width:min(100% - 24px,1472px)}
  .utility{display:none}
  .site-header .nav{height:64px}
  .site-header .logo{font-size:21px}
  .site-header .btn{padding:10px 14px}
  .reference-hero-top{display:block;padding:32px 0 18px}
  .hero-reference .kicker{font-size:9px;margin-bottom:16px}
  .hero-reference h1{font-size:46px!important;line-height:.94!important;margin-bottom:16px!important}
  .hero-reference p.lead{font-size:17px!important}
  .reference-visual{width:100%;height:240px;margin:26px 0 0}
  .reference-motto{display:none}
  .hero-reference .reference-cards{grid-template-columns:1fr;gap:13px}
  .hero-reference .feature-card{height:222px;min-height:222px!important;grid-template-columns:minmax(0,1.7fr) 108px!important}
  .hero-reference .feature-main{padding:15px!important}
  .hero-reference .feature-icon{width:42px!important;height:42px!important;margin-bottom:8px!important}
  .hero-reference .feature-card h3{font-size:19px!important}
  .hero-reference .see-all{justify-content:flex-start}
  .hero-reference + .section .wrap{width:min(100% - 24px,1370px)}
}

/* V5.1 positioning pass — align hero to the approved 1672px reference. */
@media(min-width:1301px){
  .reference-hero-top{display:block;position:relative;min-height:350px;padding:0}
  .reference-copy{position:absolute;left:0;top:46px;width:660px;padding:0}
  .hero-reference h1{font-size:84px!important;line-height:.91!important;letter-spacing:-.045em;max-width:660px}
  .reference-mid-note{position:absolute;left:680px;top:112px;margin:0;width:170px}
  .reference-visual{position:absolute;right:150px;top:0;width:440px;height:350px;margin:0;overflow:hidden}
  .reference-motto{position:absolute;right:5px;top:90px;margin:0;width:120px;justify-self:auto;align-self:auto}
}

/* V5.2 finishing pass */
.hero-reference .feature-icon svg{width:25px;height:25px;display:block}
.reference-card-caption{right:-72px!important}
@media(min-width:1301px){
  .hero-reference h1{font-size:94px!important;letter-spacing:-.025em!important;line-height:.88!important}
  .hero-reference .feature-card h3{font-size:24px!important;line-height:1.03!important}
  .hero-reference .feature-card p{font-size:13px!important;line-height:1.45!important}
}

/* V5.3 mobile chrome correction */
@media(max-width:740px){
  .site-header .nav{height:64px!important;padding:0!important;flex-wrap:nowrap!important}
  .site-header .nav-right{width:auto!important;margin-left:auto!important}
  .site-header .links,.site-header .search-form{display:none!important}
}

/* Final safety: keep decorative desktop elements from creating mobile horizontal scroll. */
html,body{overflow-x:hidden}

/* Responsive layout repair: let content determine the row height. */
.hero-reference .reference-hero-top{
  display:grid;
  grid-template-columns:minmax(0,1.45fr) 110px minmax(0,1fr) 115px;
  gap:24px;
  align-items:center;
  min-height:0;
  padding:32px 0;
}
.hero-reference .reference-copy{
  position:static;width:auto;min-width:0;padding:0;max-width:none;
}
.hero-reference h1{
  font-size:clamp(42px,5.2vw,80px)!important;
  line-height:1!important;letter-spacing:-.035em!important;
  max-width:100%;overflow-wrap:normal;
}
.hero-reference h1 em{line-height:1}
.hero-reference .reference-mid-note{
  position:static;width:auto;margin:0;white-space:normal;font-size:8px;
}
.hero-reference .reference-visual{
  position:relative;inset:auto;width:100%;height:auto;aspect-ratio:1.2;
  min-width:0;margin:0;align-self:center;grid-column:auto;
}
.hero-reference .reference-visual img{position:absolute;inset:0}
.hero-reference .reference-motto{
  position:static;width:auto;margin:0;font-size:21px;justify-self:start;
}
.hero-reference .reference-cards{margin-top:0;align-items:stretch}
.hero-reference .feature-card{
  height:auto!important;min-height:286px!important;
  grid-template-columns:minmax(0,1.7fr) minmax(90px,1fr)!important;
}
.hero-reference .feature-main{min-width:0}
.hero-reference .feature-icon,.hero-reference .link-round{flex-shrink:0}
.hero-reference .feature-side-photo img{position:absolute;inset:0}
.hero-reference .feature-card h3{font-size:clamp(19px,1.55vw,24px)!important}
.reference-card-caption{display:none}
@media(max-width:1150px){
  .hero-reference .reference-hero-top{grid-template-columns:minmax(0,1.4fr) minmax(0,1fr) 105px}
  .hero-reference .reference-mid-note{display:none}
  .hero-reference .reference-cards{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:980px){
  .hero-reference .reference-hero-top{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}
  .hero-reference .reference-copy{grid-column:auto}
  .hero-reference .reference-motto{display:none}
  .hero-reference h1{font-size:clamp(38px,5.6vw,54px)!important}
}
@media(max-width:650px){
  .hero-reference .reference-hero-top{grid-template-columns:minmax(0,1fr);gap:24px;padding:28px 0}
  .hero-reference h1{font-size:clamp(38px,10vw,54px)!important}
  .hero-reference .reference-visual{aspect-ratio:1.65;max-height:280px}
  .hero-reference .reference-cards{grid-template-columns:minmax(0,1fr)}
  .hero-reference .feature-card{min-height:238px!important}
  .hero-reference .feature-card h3{font-size:21px!important}
  .site-header .nav{gap:12px}
  .site-header .logo{font-size:clamp(17px,4.8vw,21px)}
  .site-header .btn{padding:10px;font-size:12px}
}


/* ===== MyBankAnswers cleanup patch ===== */
.k-hero:after{display:none!important}
.footer-simple{margin-top:56px;background:linear-gradient(180deg,#0c1732,#0a1224);color:#d9e0f0}
.footer-simple .wrap{padding:28px 0 20px}.footer-topline{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}.footer-simple .logo{color:#fff}.footer-simple p{margin:10px 0 0;max-width:520px;color:#a6b5ce;font-size:14px}.footer-links{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:12px 20px;max-width:520px}.footer-links a{display:inline-block;color:#d9e0f0;font-size:14px;padding:0}.footer-links a:hover{color:#fff}.footer-simple .footer-bottom{margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.08);color:#94a3bf;font-size:12px;display:flex;justify-content:space-between;gap:20px}
.featured-knowledge{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(290px,.82fr);gap:20px;align-items:stretch}.featured-guide-card{display:grid;grid-template-columns:minmax(270px,.94fr) minmax(0,1.06fr);background:linear-gradient(180deg,#fffdfa,#fbf5ec);border:1px solid #eadfce;border-radius:30px;overflow:hidden;box-shadow:var(--soft-shadow)}.featured-guide-card:hover{transform:translateY(-2px)}.featured-guide-media img{width:100%;height:100%;display:block;object-fit:cover;min-height:100%}.featured-guide-body{padding:28px 28px 26px}.featured-guide-body h3{font-size:44px;line-height:1.02;margin:10px 0 12px}.featured-guide-body p{margin:0 0 18px;color:#566177}.compact-points{margin:0;padding-left:18px;color:#45536d;display:grid;gap:8px}.compact-points li{line-height:1.5}
.bank-card{align-items:flex-start;gap:16px;min-height:152px}.bank-mark,.bank-page-logo,.bank-logo-mark{display:flex;align-items:center;justify-content:center;border-radius:50%;border:0!important;box-shadow:0 16px 36px rgba(17,31,57,.12);overflow:hidden;flex:0 0 auto}.bank-mark{width:66px;height:66px;background:#fff;padding:0;text-align:center}.bank-mark span{display:block;padding:0 10px;font-size:12px;line-height:1.05;letter-spacing:.05em;font-weight:900;text-transform:uppercase}.bank-page-logo{width:96px;height:96px;margin:10px 0 16px;text-align:center}.bank-page-logo span{display:block;padding:0 16px;font-size:17px;line-height:1.06;letter-spacing:.04em;font-weight:900;text-transform:uppercase}.bank-logo-mark img,.bank-mark img,.bank-page-logo img{width:100%;height:100%;display:block;object-fit:contain}.bank-color-chase{background:#124090;color:#fff}.bank-color-wells-fargo{background:#b81a24;color:#ffd457}.bank-color-bank-of-america{background:#c5192d;color:#fff}.bank-color-capital-one{background:#005cb3;color:#fff}.bank-color-citi{background:#0066b8;color:#fff}.bank-color-us-bank{background:#043072;color:#fff}.bank-color-venmo{background:#0091ff;color:#fff}.bank-color-zelle{background:#6c4ab6;color:#fff}
.bank-notes{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px;max-width:980px}.bank-note{background:linear-gradient(180deg,#fffdfa,#fbf5ec);border:1px solid #eadfce;border-radius:20px;padding:16px 18px;box-shadow:var(--soft-shadow)}.bank-note b{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#b3834d;margin-bottom:8px}.bank-note span{color:#53607a;font-size:14px;line-height:1.55}.bank-summary-card{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(260px,.85fr);gap:24px;margin-bottom:24px;background:linear-gradient(180deg,#fffdfa,#fbf5ec);border:1px solid #eadfce;border-radius:28px;padding:28px;box-shadow:var(--soft-shadow)}.bank-summary-card h3{font-size:36px;line-height:1.06;margin:12px 0 12px}.bank-summary-card p{margin:0;color:#566177}.summary-grid{display:grid;gap:14px}.summary-chip{background:#fffaf2;border:1px solid #e9dbc7;border-radius:18px;padding:14px 16px}.summary-chip b{display:block;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#b3834d;margin-bottom:6px}.summary-chip span{color:#53607a;font-size:14px;line-height:1.5}
.category-intro-card{display:grid;gap:24px}.category-intro-card > .category-intro-side,.category-intro-card > div:first-child{background:linear-gradient(180deg,#fffdfa,#fbf5ec);border:1px solid #eadfce;border-radius:24px;padding:24px;box-shadow:var(--soft-shadow)}.category-intro-card{grid-template-columns:minmax(0,1.1fr) minmax(250px,.9fr)}.category-intro-card .card-grid-3{grid-column:1/-1}.category-intro-side .compact-points{margin-top:12px}
.info-card{transition:.18s ease}.info-card:hover{transform:translateY(-2px)}.guide-card-thumb{height:188px;border:1px solid #ebdfd0;background:#f3ebdf}.card-grid-3 .article-top.article-top-image img{width:100%;height:100%;display:block;object-fit:cover;min-height:174px}.article-top.article-top-image{min-height:174px;background:#f1e6d8}.article-card h3{font-size:30px}.article-card p{min-height:72px}.page-hero p{max-width:860px}.stat-row{align-items:stretch}.stat{min-height:138px}.stat b{font-size:32px;line-height:1.04;margin-top:8px}.contact-box p{line-height:1.7}
@media(max-width:1100px){.featured-knowledge,.bank-summary-card,.category-intro-card{grid-template-columns:1fr}.featured-guide-card{grid-template-columns:1fr}.featured-guide-media{min-height:260px}}@media(max-width:760px){.footer-topline,.footer-simple .footer-bottom{display:grid;grid-template-columns:1fr}.footer-links{justify-content:flex-start}.bank-notes{grid-template-columns:1fr}.stat-row,.bank-grid,.card-grid-3{grid-template-columns:1fr!important}.featured-guide-body h3,.bank-summary-card h3{font-size:32px}.bank-mark{width:58px;height:58px}.page-hero h1{font-size:36px!important}}


/* ===== V6 editorial banking cleanup — 2026-09-12 ===== */
.utility-item{cursor:pointer;transition:background .18s ease}
.utility-item:hover{background:rgba(255,255,255,.58)}
.utility-ico svg{width:20px;height:20px;display:block}

.category-editorial-hero,.guides-editorial-hero,.guide-detail-hero,.about-hero{padding:42px 0 30px;background:linear-gradient(180deg,rgba(255,255,255,.64),rgba(255,255,255,0));border-bottom:1px solid #eadfce}
.category-hero-grid,.guides-hero-grid,.guide-detail-grid,.about-hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);gap:38px;align-items:center;margin-top:22px}
.category-hero-copy h1,.guides-hero-grid h1,.guide-detail-grid h1,.about-hero-grid h1{font-size:clamp(42px,4.8vw,68px);line-height:.98;margin:12px 0 16px;max-width:800px}
.category-hero-copy p,.guides-hero-grid p,.guide-detail-grid p,.about-hero-grid p{font-size:18px;line-height:1.62;color:#516078;max-width:760px;margin:0}
.category-pills{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.category-pills span,.guide-feature-points span,.about-topic-strip span{border:1px solid #ddcfbb;background:#fffaf3;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800;color:#6e604f}
.category-visual,.guides-hero-photo,.guide-detail-image{height:338px;border-radius:30px;overflow:hidden;border:1px solid #e1d4c4;box-shadow:0 22px 54px rgba(27,28,36,.10);background:#e9e1d7}
.category-visual img,.guides-hero-photo img,.guide-detail-image img{width:100%;height:100%;display:block;object-fit:cover}
.category-visual-right img{object-position:78% center}
.category-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}
.category-stat{background:rgba(255,253,249,.88);border:1px solid #e5d8c8;border-radius:20px;padding:17px 18px;box-shadow:0 14px 34px rgba(27,28,36,.055)}
.category-stat span{display:block;text-transform:uppercase;letter-spacing:.11em;font-size:10px;font-weight:900;color:#9b754c}
.category-stat b{display:block;font-family:Georgia,"Times New Roman",serif;font-size:34px;line-height:1;margin:7px 0;color:#0a1630}
.category-stat small{display:block;color:#667388;line-height:1.45;font-size:12px}
.source-note{font-size:11px;color:#8b8d94;margin:10px 2px 0;max-width:980px}
.section-tight{padding-top:34px;padding-bottom:44px}
.category-fact-band{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(360px,.8fr);gap:28px;align-items:stretch;background:linear-gradient(135deg,#0b1d40,#122d5f);color:#fff;border-radius:28px;padding:28px 30px;margin-bottom:34px;box-shadow:0 22px 50px rgba(6,20,48,.14)}
.category-fact-band h2{font-size:36px;line-height:1.05;margin:8px 0 10px;color:#fff}
.category-fact-band p{margin:0;color:#c9d4e6;max-width:760px}
.category-fact-band .small-label{color:#d7b17d}
.fact-mini-grid{display:grid;grid-template-columns:1fr;gap:9px}
.fact-mini-grid div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.10);border-radius:16px;padding:12px 14px}
.fact-mini-grid b{display:block;font-size:13px;color:#fff;margin-bottom:2px}
.fact-mini-grid span{font-size:12px;color:#b8c6dd}
.compact-head{margin:0 0 20px}.compact-head h2{font-size:36px}.compact-head p{font-size:16px}

.guides-hero-photo img{object-position:center}
.guide-feature-wide{display:grid;grid-template-columns:minmax(360px,.92fr) minmax(0,1.08fr);border:1px solid #e5d9c8;border-radius:30px;overflow:hidden;background:#fffdf9;box-shadow:var(--soft-shadow);margin-bottom:38px;transition:.18s ease}
.guide-feature-wide:hover{transform:translateY(-2px);box-shadow:0 28px 70px rgba(26,24,31,.11)}
.guide-feature-image{min-height:380px;background:#e9e0d5;overflow:hidden}.guide-feature-image img{width:100%;height:100%;object-fit:cover;display:block}
.guide-feature-copy{padding:36px 38px;align-self:center}.guide-feature-copy h2{font-size:48px;line-height:1.02;margin:10px 0 14px}.guide-feature-copy p{font-size:17px;color:#55627a;margin:0 0 20px}
.guide-feature-points{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:21px}.text-link{color:#173d91;font-weight:900;font-size:14px}
.guide-library-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.guide-library-card{background:#fffdf9;border:1px solid #e7dbcc;border-radius:23px;overflow:hidden;box-shadow:0 14px 36px rgba(31,28,25,.055);transition:.18s ease}.guide-library-card:hover{transform:translateY(-3px);box-shadow:0 24px 54px rgba(31,28,25,.09)}
.guide-library-card>img{width:100%;height:150px;object-fit:cover;display:block}.guide-library-card>div{padding:18px 19px 20px}.guide-library-card span{font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:#aa7b48;font-weight:900}.guide-library-card h3{font-size:26px;line-height:1.08;margin:7px 0 8px}.guide-library-card p{margin:0;color:#667388;font-size:13px;line-height:1.55}

.guide-detail-image{height:300px}.guide-detail-image img{object-position:center}
.guide-reading-grid{display:grid;grid-template-columns:210px minmax(0,780px) 250px;gap:28px;align-items:start}
.guide-toc{position:sticky;top:96px;padding:10px 0}.guide-toc a{display:block;border-bottom:1px solid #e9e0d4;padding:9px 0;color:#5d6a80;font-size:12px}.guide-toc a:hover{color:#173d91}
.guide-story{background:#fffdf9;border:1px solid #e5d9c9;border-radius:26px;padding:30px 36px;box-shadow:0 16px 44px rgba(31,28,25,.05)}
.guide-story h2{font-size:31px;line-height:1.13;margin:36px 0 12px}.guide-story p{font-size:16.5px;line-height:1.75;color:#34435c;margin:0 0 18px}.guide-story h2:first-of-type{margin-top:0}
.guide-quick{background:linear-gradient(145deg,#fbf0df,#f8e9d4);border:1px solid #e5d0b1;border-radius:20px;padding:22px 24px;margin-bottom:30px}.guide-quick>span{font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:#a06b31;font-weight:900}.guide-quick h2{font-size:27px!important;margin:7px 0 8px!important}.guide-quick p{margin:0;font-size:15px}
.guide-related{position:sticky;top:96px}.related-box{background:#fffdf9;border:1px solid #e6dbcc;border-radius:19px;padding:17px;margin-bottom:14px}.related-box a{display:block;padding:9px 0;border-top:1px solid #eee5da;color:#4b5a73;font-size:12px}.related-box a:first-of-type{border-top:0}.related-box.subtle{background:#f7f1e8}.related-box.subtle b{display:block;font-size:13px;margin-bottom:7px}.related-box.subtle p{font-size:12px;line-height:1.55;color:#667388;margin:0}

.about-signal{background:linear-gradient(135deg,#0b1c3c,#113167);color:#fff;border-radius:28px;padding:28px 30px;box-shadow:0 24px 54px rgba(6,20,48,.16)}.about-signal span{display:block;color:#d3b282;text-transform:uppercase;letter-spacing:.14em;font-size:10px;font-weight:900}.about-signal b{display:block;font-family:Georgia,"Times New Roman",serif;font-size:34px;line-height:1.05;margin:10px 0 12px}.about-signal p{color:#c4d0e2;font-size:14px;margin:0}
.about-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.about-card{background:#fffdf9;border:1px solid #e6dacb;border-radius:24px;padding:24px;box-shadow:0 14px 34px rgba(31,28,25,.05)}.about-card-wide{grid-column:1/-1;display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);column-gap:30px}.about-card-wide .small-label,.about-card-wide h2{grid-column:1}.about-card-wide p{grid-column:2}.about-card-wide p+p{margin-top:0}.about-card h2{font-size:36px;line-height:1.08;margin:8px 0 10px}.about-card h3{font-size:27px;line-height:1.1;margin:7px 0 10px}.about-card p{color:#566177;line-height:1.65}.about-topic-strip{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}

/* Bank identity: clean circles only — never a rectangle inside the circle. */
.bank-mark,.bank-page-logo,.bank-logo-mark{border-radius:50%!important;overflow:hidden!important;border:0!important;background-image:none!important;box-shadow:0 12px 28px rgba(17,31,57,.12)!important}
.bank-mark{width:68px!important;height:68px!important}.bank-mark span{font-size:11px!important;line-height:1.02!important;padding:0 8px!important}.bank-page-logo{width:90px!important;height:90px!important}.bank-page-logo span{font-size:15px!important;padding:0 12px!important}
.bank-color-wells-fargo{background:#c71f2b!important;color:#ffd65a!important}.bank-color-chase{background:#17458c!important;color:#fff!important}.bank-color-bank-of-america{background:#c82035!important;color:#fff!important}.bank-color-capital-one{background:#0b5ba8!important;color:#fff!important}.bank-color-citi{background:#0568b9!important;color:#fff!important}.bank-color-us-bank{background:#123a72!important;color:#fff!important}.bank-color-venmo{background:#168bd2!important;color:#fff!important}.bank-color-zelle{background:#6d45c7!important;color:#fff!important}
.bank-card{min-height:142px!important;border-radius:20px!important;background:#fffdf9!important;box-shadow:0 12px 30px rgba(31,28,25,.045)!important}.bank-card p{line-height:1.52}

/* Home featured guide: remove empty decorative space and make the image do real work. */
.featured-guide-card{min-height:360px}.featured-guide-media{min-height:360px;background:#e8dfd4}.featured-guide-media img{height:100%!important;object-fit:cover!important}.featured-guide-body{display:flex;flex-direction:column;justify-content:center}.featured-guide-body .cta{margin-top:20px}

/* Lighter, single-level footer. */
.footer-simple{margin-top:44px!important}.footer-simple .wrap{padding:22px 0 16px!important}.footer-topline{align-items:center!important}.footer-brandline{display:flex;align-items:center;gap:18px}.footer-simple p{margin:0!important;max-width:430px!important}.footer-links{gap:8px 16px!important}.footer-simple .footer-bottom{margin-top:14px!important;padding-top:12px!important}

@media(max-width:1080px){
 .category-hero-grid,.guides-hero-grid,.guide-detail-grid,.about-hero-grid,.category-fact-band,.guide-feature-wide{grid-template-columns:1fr}
 .category-visual,.guides-hero-photo,.guide-detail-image{height:300px}
 .guide-library-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .guide-reading-grid{grid-template-columns:minmax(0,1fr) 240px}.guide-toc{display:none}
 .about-grid{grid-template-columns:1fr 1fr}.about-card-wide{grid-column:1/-1;display:block}
}
@media(max-width:760px){
 .category-editorial-hero,.guides-editorial-hero,.guide-detail-hero,.about-hero{padding:28px 0 22px}
 .category-hero-copy h1,.guides-hero-grid h1,.guide-detail-grid h1,.about-hero-grid h1{font-size:38px!important}
 .category-visual,.guides-hero-photo,.guide-detail-image{height:230px;border-radius:22px}
 .category-stat-grid,.guide-library-grid,.guide-reading-grid,.about-grid{grid-template-columns:1fr}
 .category-fact-band{padding:22px;border-radius:22px}.category-fact-band h2{font-size:30px}
 .guide-feature-image{min-height:240px}.guide-feature-copy{padding:24px}.guide-feature-copy h2{font-size:34px}
 .guide-story{padding:24px 20px}.guide-related{position:static}
 .footer-brandline{display:block}.footer-simple p{margin-top:7px!important}.footer-topline{display:grid!important;grid-template-columns:1fr!important}.footer-links{justify-content:flex-start!important}
}

/* V6.1 bank detail pages */
.bank-detail-hero{padding:38px 0 34px;background:linear-gradient(180deg,rgba(255,255,255,.66),rgba(255,255,255,0));border-bottom:1px solid #eadfce}
.bank-detail-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);gap:42px;align-items:center;margin-top:18px}
.bank-detail-main h1{font-size:clamp(46px,4.8vw,66px);line-height:.98;margin:10px 0 12px}.bank-detail-main>p{font-size:17px;line-height:1.62;color:#536078;max-width:690px;margin:0}
.bank-detail-main .bank-page-logo{margin:14px 0 12px!important}
.bank-topic-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.bank-topic-chips span{padding:7px 11px;border:1px solid #dfd1be;border-radius:999px;background:#fffaf3;color:#6b6053;font-size:11px;font-weight:800}
.bank-brief-panel{background:linear-gradient(145deg,#0b1d40,#123267);border-radius:26px;padding:24px;color:#fff;box-shadow:0 24px 54px rgba(6,20,48,.15)}
.bank-brief-panel>.small-label{color:#d7b17d;margin-bottom:10px}.bank-brief-panel .bank-note{background:rgba(255,255,255,.075);border:1px solid rgba(255,255,255,.10);box-shadow:none;margin-top:10px}.bank-brief-panel .bank-note b{color:#ddb57f}.bank-brief-panel .bank-note span{color:#d3deed}.bank-brief-note{font-size:11.5px;line-height:1.55;color:#9fb2cd;margin:14px 2px 0}
.bank-detail-hero .mini-nav{margin-top:18px}.bank-detail-hero .mini-nav a{background:#fff;border-color:#ddd0bf}
.bank-detail-hero + .section{padding-top:34px}
@media(max-width:960px){.bank-detail-grid{grid-template-columns:1fr}.bank-brief-panel{max-width:none}}

/* V6.2 topic index */
.topic-image-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.topic-image-card{background:#fffdf9;border:1px solid #e5d9ca;border-radius:26px;overflow:hidden;box-shadow:0 16px 38px rgba(31,28,25,.055);transition:.18s ease}.topic-image-card:hover{transform:translateY(-3px);box-shadow:0 26px 58px rgba(31,28,25,.09)}.topic-image-card img{width:100%;height:220px;object-fit:cover;display:block}.topic-image-card>div{padding:22px 24px 24px}.topic-image-card span{font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:#aa7b48;font-weight:900}.topic-image-card h2{font-size:32px;line-height:1.08;margin:7px 0 8px}.topic-image-card p{margin:0;color:#667388}
@media(max-width:760px){.topic-image-grid{grid-template-columns:1fr}.topic-image-card img{height:190px}}
\n/* Bank logo correction: only Wells Fargo uses a full-color circular badge.\n   All other institutions sit as their logo inside a clean white circle. */\n.bank-mark.bank-mark-image,\n.bank-page-logo.bank-logo-image{\n  background:#fff!important;\n  border:1px solid #e8dfd3!important;\n  border-radius:50%!important;\n  display:flex!important;\n  align-items:center!important;\n  justify-content:center!important;\n  overflow:hidden!important;\n}\n.bank-mark.bank-mark-image img{\n  width:76%!important;\n  height:76%!important;\n  object-fit:contain!important;\n}\n.bank-page-logo.bank-logo-image img{\n  width:76%!important;\n  height:76%!important;\n  object-fit:contain!important;\n}\n.bank-mark.bank-logo-wells-fargo,\n.bank-page-logo.bank-logo-wells-fargo{\n  background:transparent!important;\n  border:0!important;\n  box-shadow:none!important;\n}\n.bank-mark.bank-logo-wells-fargo img,\n.bank-page-logo.bank-logo-wells-fargo img{\n  width:100%!important;\n  height:100%!important;\n}\n

/* ===== V6.3 graphic monochrome footer ===== */
.footer-graphic{
  position:relative;
  overflow:hidden;
  margin-top:54px;
  color:#d9e2ef;
  background:
    linear-gradient(115deg,rgba(255,255,255,.025) 0 1px,transparent 1px 100%),
    linear-gradient(180deg,#0b1731 0%,#071126 100%);
  background-size:48px 100%,100% 100%;
  border-top:1px solid rgba(255,255,255,.08);
}
.footer-graphic:before{
  content:"";
  position:absolute;
  left:0;right:0;top:0;height:3px;
  background:linear-gradient(90deg,transparent 0 10%,rgba(198,158,103,.75) 28%,rgba(255,255,255,.18) 54%,rgba(198,158,103,.55) 73%,transparent 92%);
  opacity:.72;
}
.footer-graphic:after{
  content:"";
  position:absolute;
  right:-100px;top:-110px;
  width:520px;height:330px;
  border:1px solid rgba(255,255,255,.055);
  transform:skewX(-18deg) rotate(-7deg);
  box-shadow:-56px 42px 0 -55px rgba(255,255,255,.08),-112px 84px 0 -111px rgba(255,255,255,.08);
  pointer-events:none;
}
.footer-shell{position:relative;z-index:2;padding:34px 0 20px!important}
.footer-main{display:grid;grid-template-columns:minmax(280px,.9fr) minmax(520px,1.1fr);gap:48px;align-items:end}
.footer-identity{min-width:0}
.footer-kicker{display:flex;align-items:center;gap:10px;color:#9ca9bc;font-size:10px;font-weight:900;letter-spacing:.18em;text-transform:uppercase;margin-bottom:11px}
.footer-kicker i{display:block;width:34px;height:1px;background:#c79c68;box-shadow:11px 4px 0 rgba(199,156,104,.48)}
.footer-wordmark{
  display:inline-block!important;
  padding:0!important;
  color:rgba(255,255,255,.78)!important;
  font-family:Arial,Helvetica,sans-serif;
  font-size:38px!important;
  line-height:1!important;
  font-weight:900!important;
  letter-spacing:-.055em;
  text-decoration:none!important;
  filter:grayscale(1);
}
.footer-wordmark:hover{color:#fff!important}
.footer-nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:10px 25px;padding-bottom:3px}
.footer-nav a{display:inline-block!important;padding:4px 0!important;color:#c8d2e0!important;font-size:13px!important;font-weight:650;letter-spacing:.01em;position:relative}
.footer-nav a:after{content:"";position:absolute;left:0;right:100%;bottom:0;height:1px;background:#d0aa78;transition:right .18s ease}
.footer-nav a:hover{color:#fff!important}.footer-nav a:hover:after{right:0}
.footer-topic-rail{margin-top:27px;padding:14px 0 13px;border-top:1px solid rgba(255,255,255,.075);border-bottom:1px solid rgba(255,255,255,.075);display:flex;align-items:center;gap:14px;color:#74839a;font-size:9px;font-weight:900;letter-spacing:.16em;white-space:nowrap;overflow:hidden}
.footer-topic-rail b{display:block;flex:1 1 80px;max-width:120px;height:1px;background:linear-gradient(90deg,rgba(196,157,106,.14),rgba(196,157,106,.55),rgba(196,157,106,.14))}
.footer-graphic .footer-bottom{margin:0!important;padding:15px 0 0!important;border:0!important;display:grid!important;grid-template-columns:auto auto 1fr;gap:24px;align-items:center;color:#7f8da2!important;font-size:11px!important}
.footer-legal{display:flex;gap:14px}
.footer-legal a{display:inline-block!important;padding:0!important;color:#9ba8bb!important;font-size:11px!important}.footer-legal a:hover{color:#fff!important}
.footer-note{text-align:right}
.footer-watermark{position:absolute;left:4.2%;bottom:-25px;z-index:0;display:flex;gap:22px;align-items:flex-end;pointer-events:none;user-select:none;white-space:nowrap;color:transparent;-webkit-text-stroke:1px rgba(255,255,255,.038);font-family:Arial,Helvetica,sans-serif;font-weight:900;font-size:90px;line-height:.8;letter-spacing:-.065em}
.footer-watermark span:last-child{-webkit-text-stroke-color:rgba(207,169,119,.045)}

@media(max-width:980px){
  .footer-main{grid-template-columns:1fr;gap:22px;align-items:start}
  .footer-nav{justify-content:flex-start}
  .footer-graphic .footer-bottom{grid-template-columns:1fr auto}.footer-note{grid-column:1/-1;text-align:left}
  .footer-watermark{font-size:70px;left:3%;bottom:-17px}
}
@media(max-width:620px){
  .footer-shell{padding:29px 0 18px!important}
  .footer-wordmark{font-size:32px!important}
  .footer-nav{gap:8px 18px}
  .footer-topic-rail{gap:10px}.footer-topic-rail b{min-width:22px}
  .footer-graphic .footer-bottom{grid-template-columns:1fr;gap:9px}.footer-note{text-align:left}
  .footer-watermark{font-size:54px;gap:12px}
}


/* ===== V6.4 About / Contact / Legal refresh ===== */
.about-team-stage{
  position:relative;
  min-height:460px;
  border-radius:34px;
  overflow:hidden;
  border:1px solid #e1d4c4;
  box-shadow:0 24px 54px rgba(27,28,36,.10);
  background:
    radial-gradient(circle at 20% 22%, rgba(255,255,255,.92), transparent 18%),
    radial-gradient(circle at 82% 30%, rgba(255,255,255,.55), transparent 22%),
    linear-gradient(135deg,#f8f2e8 0%,#efe3d3 44%,#f7f1e7 100%);
}
.about-team-stage:before{
  content:"";
  position:absolute;
  inset:auto 18px 18px 18px;
  height:108px;
  border-radius:26px;
  background:linear-gradient(180deg,rgba(255,255,255,.72),rgba(255,255,255,.24));
  border:1px solid rgba(255,255,255,.55);
  box-shadow:0 16px 36px rgba(70,54,32,.08);
}
.about-team-cutout{
  position:absolute;
  inset:28px 20px 0 20px;
  width:calc(100% - 40px);
  height:calc(100% - 46px);
  object-fit:contain;
  object-position:center bottom;
  filter:drop-shadow(0 26px 40px rgba(27,28,36,.20));
  z-index:2;
}
.about-team-motto{
  position:absolute;
  left:24px;
  top:24px;
  z-index:3;
  max-width:180px;
  padding:14px 16px;
  border-radius:18px;
  background:rgba(255,255,255,.72);
  border:1px solid rgba(255,255,255,.78);
  color:#876338;
  font-family:Georgia,"Times New Roman",serif;
  font-style:italic;
  font-size:17px;
  line-height:1.28;
  box-shadow:0 16px 30px rgba(70,54,32,.08);
}
.about-team-note{
  position:absolute;
  right:24px;
  bottom:24px;
  z-index:3;
  width:230px;
  padding:15px 16px;
  border-radius:18px;
  background:#0d2349;
  color:#dce6f5;
  box-shadow:0 16px 36px rgba(7,25,56,.18);
}
.about-team-note b{display:block;color:#fff;font-size:14px;margin-bottom:6px}
.about-team-note span{display:block;font-size:12px;line-height:1.5}
.about-story-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:18px;margin-top:20px}
.about-quote-card,.about-values-card{
  background:#fffdf9;border:1px solid #e6dacb;border-radius:24px;padding:24px;box-shadow:0 14px 34px rgba(31,28,25,.05)
}
.about-quote-card blockquote{margin:0;font-family:Georgia,"Times New Roman",serif;font-size:28px;line-height:1.2;color:#0a1630}
.about-quote-card p{margin:12px 0 0;color:#5d6980}
.about-values{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}
.about-value{padding:16px;border-radius:18px;background:#faf4eb;border:1px solid #eadfce}
.about-value b{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:#a46f37;margin-bottom:6px}
.about-value span{display:block;color:#566177;line-height:1.55;font-size:14px}

.contact-hero-band{
  display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:20px;align-items:stretch;margin-top:18px
}
.contact-hero-copy,.contact-hero-side,.contact-panel,.contact-action-card,.contact-faq-card{
  background:#fffdf9;border:1px solid #e6dacb;border-radius:26px;box-shadow:0 14px 34px rgba(31,28,25,.05)
}
.contact-hero-copy{padding:28px}
.contact-hero-copy h1{font-size:clamp(42px,4.7vw,62px);line-height:.98;margin:10px 0 14px}
.contact-hero-copy p{font-size:17px;color:#52617a;margin:0 0 18px}
.contact-mini-points{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}.contact-mini-points span{border:1px solid #ddcfbb;background:#fffaf3;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800;color:#6e604f}
.contact-hero-side{padding:0;overflow:hidden;background:linear-gradient(145deg,#0c1f44,#15336b);color:#fff;position:relative}
.contact-hero-side:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 18% 24%, rgba(255,255,255,.22), transparent 20%),radial-gradient(circle at 84% 22%, rgba(255,255,255,.16), transparent 22%)}
.contact-hero-side .inner{position:relative;z-index:2;padding:26px 26px 24px}
.contact-hero-side h3{font-size:32px;line-height:1.04;margin:8px 0 12px;color:#fff}
.contact-hero-side p{color:#c8d6ea;margin:0 0 16px}
.contact-response-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:22px}
.contact-action-card{padding:24px;display:flex;flex-direction:column;min-height:240px}
.contact-icon{width:56px;height:56px;border-radius:18px;background:linear-gradient(180deg,#f9f1e5,#f1dfc6);display:flex;align-items:center;justify-content:center;color:#a46b2b;margin-bottom:16px;border:1px solid #ecd8bf}
.contact-icon svg{width:28px;height:28px;display:block}
.contact-action-card h3{font-size:29px;line-height:1.05;margin:2px 0 10px}
.contact-action-card p{color:#5b6980;line-height:1.6;margin:0 0 18px}
.contact-action-card ul{margin:0 0 20px 18px;color:#516078;padding:0;display:grid;gap:7px}
.contact-action-card .btn{margin-top:auto;align-self:flex-start}
.contact-panels{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:18px;margin-top:18px}
.contact-panel{padding:24px}
.contact-panel h3{font-size:32px;line-height:1.06;margin:4px 0 12px}.contact-panel p{color:#566177;margin:0 0 12px}.contact-panel ul{margin:0;padding-left:18px;color:#44526c;display:grid;gap:8px}
.contact-faq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:18px}
.contact-faq-card{padding:24px}.contact-faq-card h3{font-size:30px;line-height:1.08;margin:0 0 12px}.contact-faq-card p{color:#5e6a80;margin:0 0 18px}
.contact-links-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.contact-links-row a{display:inline-flex;align-items:center;gap:8px;padding:11px 14px;border-radius:999px;background:#f7efe4;border:1px solid #e8d8c1;font-size:13px;font-weight:700;color:#243150}
.contact-links-row a:hover{transform:translateY(-1px)}

.legal-hero-panel{
  display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:20px;align-items:stretch;margin-top:16px
}
.legal-head-card,.legal-glance-card,.legal-content-shell,.legal-side-card,.legal-stat-card{background:#fffdf9;border:1px solid #e6dacb;border-radius:26px;box-shadow:0 14px 34px rgba(31,28,25,.05)}
.legal-head-card{padding:28px 28px 26px}
.legal-head-card h1{font-size:clamp(42px,4.8vw,62px);line-height:.98;margin:10px 0 14px}
.legal-head-card p{font-size:17px;color:#52617a;margin:0 0 14px;max-width:760px}
.legal-glance-card{padding:24px;background:linear-gradient(145deg,#0c1f44,#15336b);color:#fff;position:relative;overflow:hidden}
.legal-glance-card:before{content:"";position:absolute;right:-50px;top:-40px;width:180px;height:180px;border-radius:50%;background:rgba(255,255,255,.07)}
.legal-glance-card h3{position:relative;z-index:2;font-size:30px;line-height:1.05;margin:2px 0 10px;color:#fff}
.legal-glance-card p,.legal-glance-card li{position:relative;z-index:2;color:#d4e1f3}
.legal-glance-card ul{margin:0;padding-left:18px;display:grid;gap:8px}
.legal-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:18px;margin-top:22px;align-items:start}
.legal-side-stack{display:grid;gap:18px;position:sticky;top:96px}
.legal-side-card{padding:20px}
.legal-side-card h4{font-size:18px;margin:0 0 10px}.legal-side-card p{color:#647289;font-size:14px;line-height:1.6;margin:0 0 12px}
.legal-anchor-list{display:grid;gap:7px}.legal-anchor-list a{display:block;padding:10px 12px;border-radius:14px;background:#faf3e8;border:1px solid #eadfce;color:#2b3c59;font-size:13px;font-weight:700}
.legal-anchor-list a:hover{background:#fffaf3;color:#173d91}
.legal-content-shell{padding:24px}
.legal-section-head{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-bottom:18px}
.legal-stat-card{padding:16px 16px 14px;background:#faf4eb}
.legal-stat-card span{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:#a67338;font-weight:900}
.legal-stat-card b{display:block;font-size:18px;line-height:1.2;margin-top:6px;color:#0a1630}
.legal-stat-card small{display:block;color:#5d6a80;line-height:1.45;margin-top:5px}
.legal-faq .faq-item{background:#fff;border:1px solid #e8dfd3;border-radius:18px;padding:0;margin-bottom:12px;overflow:hidden}
.legal-faq .faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:14px;border:0;background:transparent;padding:18px 18px;font:inherit;font-weight:800;color:#0a1630;cursor:pointer;text-align:left}
.legal-faq .faq-a{display:none;padding:0 18px 18px;color:#55627a;line-height:1.7}
.legal-faq .faq-item.open .faq-a{display:block}
.legal-faq .faq-item.open .faq-q span:last-child{transform:rotate(45deg)}
.legal-faq .faq-q span:last-child{font-size:22px;line-height:1;color:#9a7347;transition:transform .18s ease}

.pro-meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px}
.pro-meta .sep{flex:0 0 auto}
.meta-wordcount{color:#8f7a5f;font-size:12px;font-weight:700;letter-spacing:.01em}
.pro-wordcount{display:none!important}

@media(max-width:1080px){
  .about-story-grid,.contact-hero-band,.contact-panels,.legal-hero-panel,.legal-grid{grid-template-columns:1fr}
  .legal-side-stack{position:static}
  .contact-response-grid,.contact-faq-grid,.legal-section-head{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  .about-values,.contact-response-grid,.contact-faq-grid,.legal-section-head{grid-template-columns:1fr}
  .about-team-stage{min-height:400px}
  .about-team-note{position:static;width:auto;margin:0 18px 18px}
  .about-team-cutout{inset:46px 12px 80px 12px;width:calc(100% - 24px);height:auto;max-height:300px}
  .about-team-motto{max-width:150px;font-size:15px;line-height:1.22}
  .contact-hero-copy,.legal-head-card{padding:24px 20px}
  .contact-action-card h3,.contact-panel h3,.contact-faq-card h3,.legal-glance-card h3{font-size:26px}
}

/* ===== v14.3: keep article-card metadata pinned to card bottom ===== */
.article-card{
  display:flex!important;
  flex-direction:column!important;
  height:100%!important;
}
.article-card .article-top{
  flex:0 0 auto!important;
}
.article-card .article-body-card{
  display:flex!important;
  flex-direction:column!important;
  flex:1 1 auto!important;
  min-height:0!important;
}
.article-card .article-foot{
  margin-top:auto!important;
  padding-top:14px!important;
}