/* MyBankAnswers V7 — approved editorial direction */
:root{--v7-paper:#f8f4ed;--v7-cream:#fbf8f2;--v7-ink:#121212;--v7-muted:#5f625f;--v7-gold:#a48760;--v7-gold2:#c8b394;--v7-line:#ddd5c8;--v7-dark:#121313;--v7-soft:#f1eadf}
body{background:#f8f4ed;color:var(--v7-ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}
h1,h2,h3,h4,.serif{font-family:Georgia,"Times New Roman",serif;color:#111;letter-spacing:-.035em}
.wrap{width:min(1260px,calc(100% - 48px))}
.site-header{background:rgba(250,247,241,.96);border-bottom:1px solid #dfd8cd;backdrop-filter:blur(12px)}
.nav{height:72px;gap:34px}.logo{font-family:Georgia,"Times New Roman",serif;font-size:27px;font-weight:700;letter-spacing:-.04em;color:#111}.logo span{color:#111}
.links{gap:25px;font-size:13px;font-weight:600;color:#171717}.links a:hover{color:#8e714b}
.search-form{min-width:250px;height:40px;background:transparent;border:0;box-shadow:none;border-radius:0;border-bottom:1px solid #d9d0c3}.search-form input{font-size:12px}
.btn{border-radius:4px;font-weight:600}.btn-dark,.btn-gold{background:#a48760;color:#fff;box-shadow:none}.btn-line{border-color:#cdbb9e;background:#fbf7f0}
.utility{display:none!important}
.breadcrumbs{font-size:12px;color:#81817c;gap:8px}.small-label,.kicker{color:#8e714b;letter-spacing:.22em;font-size:10px;text-transform:uppercase;font-weight:800}

/* approved footer */
.footer.footer-graphic{background:linear-gradient(180deg,#161717,#101111)!important;color:#fff!important;border:0!important;padding:0!important;position:relative;overflow:hidden}
.footer.footer-graphic:before{content:"";position:absolute;left:56%;bottom:8px;width:360px;height:90px;opacity:.45;background-repeat:no-repeat;background-position:center;background-size:contain;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 500 120'%3E%3Cpolyline points='0,108 60,78 92,90 155,22 220,86 265,55 320,102 380,60 430,94 500,78' fill='none' stroke='%23d8d8d8' stroke-width='2'/%3E%3Cpolyline points='112,78 155,22 182,73 220,86' fill='none' stroke='%239b9b9b' stroke-width='1'/%3E%3C/svg%3E")!important}
.footer.footer-graphic:after{content:"Knowledge today.\A A brighter tomorrow.";white-space:pre;position:absolute;left:62%;top:20px;color:#d3cbc0;font:italic 17px/1.18 Georgia,serif;opacity:.75;transform:rotate(-6deg)}
.footer-watermark{display:none!important}.footer-shell{padding:24px 0 16px!important;position:relative;z-index:2}.footer-main{display:grid!important;grid-template-columns:1.1fr 1.5fr!important;gap:48px!important;align-items:center!important;border-bottom:1px solid rgba(255,255,255,.13)!important;padding-bottom:18px!important}.footer-kicker{display:none!important}.footer-wordmark{font:700 25px/1 Georgia,serif!important;color:#fff!important}.footer-nav{display:flex!important;gap:22px!important;justify-content:flex-start!important;flex-wrap:wrap!important}.footer-nav a{color:#d8d8d3!important;font-size:12px!important}.footer-topic-rail{display:none!important}.footer-bottom{display:grid!important;grid-template-columns:auto auto 1fr!important;gap:20px!important;padding:12px 0 0!important;margin:0!important;border:0!important;font-size:10px!important;color:#a6a6a0!important}.footer-legal{display:flex;gap:13px}.footer-legal a{color:#bdbdb7!important}.footer-note{text-align:right}

/* About */
.v7-about-hero{padding:38px 0 28px;border-bottom:1px solid #e3dbcf;background:linear-gradient(180deg,#fbf8f2,#f7f2ea)}
.v7-about-grid{display:grid;grid-template-columns:.88fr 1.2fr .72fr;gap:28px;align-items:center}.v7-about-copy h1{font-size:clamp(48px,5.2vw,74px);line-height:.92;margin:11px 0 18px}.v7-about-copy p{font-size:16px;color:#4f5352;max-width:470px}.script-note{font:italic 22px/1.2 Georgia,serif;color:#6f6558;transform:rotate(-4deg);margin-top:30px;max-width:320px}.v7-team-stage{position:relative;min-height:450px;display:flex;align-items:flex-end;justify-content:center}.v7-team-stage:before,.v7-team-stage:after{content:"";position:absolute;border-radius:45% 55% 58% 42%;background:#eee5d8;opacity:.75;z-index:0}.v7-team-stage:before{width:90%;height:76%;left:5%;top:8%;transform:rotate(8deg)}.v7-team-stage:after{width:74%;height:42%;left:15%;bottom:3%;background:#e9dfd2;transform:rotate(-6deg)}
.v7-team-img{position:relative;z-index:2;width:100%;max-width:560px;display:block;mix-blend-mode:multiply;mask-image:radial-gradient(ellipse 78% 82% at 50% 52%,#000 70%,transparent 100%)}
.v7-value-list{display:grid;gap:22px}.v7-value{display:grid;grid-template-columns:48px 1fr;gap:12px;align-items:start}.v7-ico{width:44px;height:44px;border-radius:50%;border:1px solid #dfd5c8;background:#f2ece3;display:grid;place-items:center;color:#8f724d;font-size:20px}.v7-value b{display:block;font:600 17px Georgia,serif;margin-bottom:3px}.v7-value span{font-size:13px;color:#656864}.v7-about-lower{padding:34px 0 44px;display:grid;grid-template-columns:.9fr 1.6fr;gap:46px;align-items:start}.v7-about-lower h2{font-size:42px;line-height:1.02;margin:8px 0 14px}.v7-about-lower p{color:#555a58}.v7-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-bottom:1px solid #dfd7cb;padding-bottom:22px}.v7-stat{padding:0 28px;border-left:1px solid #dfd7cb}.v7-stat:first-child{padding-left:0;border:0}.v7-stat b{font:600 34px Georgia,serif;display:block}.v7-stat span{font-size:13px;color:#646764}.v7-quote{margin-top:24px;font:italic 21px/1.35 Georgia,serif;color:#222}

/* Contact */
.v7-contact{padding:42px 0 50px;background:linear-gradient(90deg,#faf6ef 0 71%,#eee5d8 71%)}.v7-contact-grid{display:grid;grid-template-columns:.9fr 1.02fr .48fr;gap:34px;align-items:start}.v7-contact h1{font-size:78px;line-height:.9;margin:8px 0 8px}.v7-contact .sub{font:400 32px/1.1 Georgia,serif;margin:0 0 22px}.v7-contact .lead{font-size:16px;color:#5f6461;max-width:560px}.v7-contact-paths{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:32px}.v7-path{border-top:1px solid #d7ccbd;padding-top:16px}.v7-path b{font:600 18px Georgia,serif;display:block;margin-bottom:4px}.v7-path p{font-size:12px;color:#6b6c67;margin:0}.v7-form{background:#fbf8f2;border:1px solid #ddd3c5;box-shadow:0 18px 50px rgba(50,40,28,.08);padding:26px;border-radius:10px}.v7-form h2{font-size:31px;margin:0 0 6px}.v7-form label{display:block;font-size:12px;font-weight:700;margin:12px 0 5px}.v7-form input,.v7-form textarea,.v7-form select{width:100%;border:1px solid #d9d0c3;background:#fffdf9;padding:11px 12px;font:inherit;font-size:13px;border-radius:3px}.v7-form textarea{min-height:118px;resize:vertical}.v7-form button{width:100%;margin-top:14px;border:0;background:#9f825c;color:white;padding:13px;border-radius:3px}.v7-contact-visual{min-height:560px;background:linear-gradient(180deg,#e8ddd0,#f4ede5);position:relative;overflow:hidden;border-radius:0 0 40px 40px}.v7-contact-visual:before{content:"Clear answers.\A Stronger tomorrows.";white-space:pre;position:absolute;left:25px;top:48px;font:32px/1.02 Georgia,serif;color:#5a4c3b}.v7-contact-visual:after{content:"";position:absolute;left:30px;bottom:70px;width:150px;height:250px;border-radius:50% 50% 20% 20%;background:linear-gradient(180deg,#83957b,#263325 40%,#c7b69c 41%,#b8a58a 100%);filter:saturate(.55);opacity:.8}

/* Legal hub */
.v7-legal-hub{padding:44px 0 46px}.v7-legal-grid{display:grid;grid-template-columns:190px 1fr;gap:34px}.v7-legal-side{border-right:1px solid #ddd4c7;padding-right:25px}.v7-legal-side h3{font:600 20px Georgia,serif}.v7-legal-side a{display:block;padding:8px 12px;font-size:13px;color:#50534f;border-left:2px solid transparent}.v7-legal-side a.active{background:#eee7dc;border-color:#9e8059;color:#111}.v7-legal-head{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:start}.v7-legal-head h1{font-size:64px;line-height:.95;margin:8px 0}.v7-legal-head p{color:#5a5f5b}.v7-policy-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:26px}.v7-policy-card{border:1px solid #ded5c8;background:#fbf8f2;padding:24px;min-height:310px;display:flex;flex-direction:column}.v7-policy-card .bigicon{font-size:32px;color:#9d7c51}.v7-policy-card h2{font-size:28px;margin:14px 0 6px}.v7-policy-card ul{padding-left:20px;color:#535853;font-size:14px}.v7-policy-card a{margin-top:auto;border-top:1px solid #ded5c8;padding-top:12px;font-weight:700}.v7-legal-bottom{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;margin-top:28px}.v7-faq-row{border-bottom:1px solid #dfd6ca;padding:12px 0;display:flex;justify-content:space-between;font-size:14px}.v7-quick{padding:22px;background:#f1e9df}

/* Legal documents — each intentionally distinct */
.v7-doc-hero{padding:42px 0 34px;border-bottom:1px solid #e2d9cc}.v7-doc-hero .hero-grid{display:grid;grid-template-columns:1fr .72fr;gap:40px;align-items:center}.v7-doc-hero h1{font-size:72px;line-height:.95;margin:8px 0 12px}.v7-doc-hero .lede{font-size:18px;color:#535a57;max-width:700px}.v7-hero-art{height:245px;position:relative;display:grid;place-items:center;background:linear-gradient(135deg,#eee6db,#faf7f1);overflow:hidden}.v7-hero-art.lock:before{content:"🔒";font-size:96px;filter:grayscale(1)}.v7-hero-art.terms:before{content:"Terms of Use";font:italic 36px Georgia,serif;transform:rotate(-7deg);padding:28px 60px;border:1px solid #cfc4b4;background:#f9f4eb;box-shadow:20px 20px 40px rgba(0,0,0,.08)}.v7-hero-art.disclaimer:before{content:"Information\A Education\A Perspective\A Not Advice";white-space:pre;text-align:center;font:22px/1.65 Georgia,serif;color:#554e45;padding:10px 34px;border-radius:60px;background:radial-gradient(circle at 50% 10%,#f5f0e8,#d5c7b6)}
.v7-doc-body{display:grid;grid-template-columns:220px 1fr;gap:44px;padding:34px 0 50px}.v7-doc-nav{position:sticky;top:92px;align-self:start}.v7-doc-nav a{display:block;padding:9px 12px;font-size:13px;color:#5c615e;border-left:2px solid transparent}.v7-doc-nav a:hover{background:#eee8df;border-color:#9f815a}.v7-doc-content{max-width:900px}.v7-doc-content h2{font-size:29px;margin:30px 0 7px;border-top:1px solid #ddd5ca;padding-top:24px}.v7-doc-content h2:first-child{border-top:0;padding-top:0;margin-top:0}.v7-doc-content p,.v7-doc-content li{color:#505552;font-size:15px}.v7-doc-content ul{padding-left:20px}.v7-info-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:18px 0}.v7-info-card{padding:18px;border:1px solid #ded5c8;background:#fbf8f2}.v7-info-card b{font:600 20px Georgia,serif;display:block;margin-bottom:6px}.v7-info-card p{margin:0;font-size:13px}.v7-disclaimer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.v7-disclaimer-card{border-top:1px solid #cfc3b3;padding:18px 4px}.v7-disclaimer-card b{font:600 21px Georgia,serif;display:block;margin-bottom:6px}

/* Article template */
.article-title-fix{padding:36px 0 18px!important;background:#f8f4ed!important}.article-title-fix h1{font-size:clamp(48px,5vw,72px)!important;line-height:.94!important;max-width:960px!important;margin:12px 0 12px!important}.article-title-fix> .wrap > p{font:400 21px/1.35 Georgia,serif;color:#555;margin:0 0 15px;max-width:850px}.article-v7-meta{display:flex;align-items:center;gap:18px;flex-wrap:wrap;font-size:12px;color:#5e625e;padding-top:4px}.article-v7-avatar{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:#d9cab6;color:#fff;font:700 15px Georgia,serif}.article-title-fix .bank-identity,.article-title-fix .verified-badge,.article-title-fix .mini-nav{display:none!important}.article-layout{display:grid!important;grid-template-columns:minmax(0,1fr) 285px!important;gap:28px!important;align-items:start!important}.article-layout .toc{grid-column:2;grid-row:1;position:sticky;top:95px;border:1px solid #ded5c8;background:#fbf8f2;padding:18px;border-radius:6px;box-shadow:none}.article-layout .toc h4{font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:.16em;font-size:10px}.article-layout .toc a{font-size:13px;border-bottom:1px solid #e6ded2;padding:9px 0}.article-layout .article-content{grid-column:1;grid-row:1;background:transparent!important;border:0!important;box-shadow:none!important;padding:0!important}.article-layout .rail{display:none!important}.article-v7-hero{width:100%;height:340px;object-fit:cover;display:block;margin:0 0 18px;filter:saturate(.8) contrast(.98)}.article-content>p:first-of-type{font:400 18px/1.55 Georgia,serif;color:#292b29}.article-content h2{font-size:31px!important;margin-top:28px!important}.quick-box,.fact-grid,.table,.note,.pro-quick,.pro-facts,.pro-table,.pro-callout,.pro-example{border-radius:4px!important;box-shadow:none!important}.quick-box,.pro-quick{background:#f1e8dc!important;border:1px solid #ddcfbd!important}.fact-grid,.pro-facts{gap:1px!important;background:#d9d0c4!important}.fact,.pro-fact{background:#fbf8f2!important;border:0!important}.article-v7-key{display:grid;grid-template-columns:190px 1fr;gap:22px;background:#f1e8dc;border:1px solid #decfbc;padding:20px;margin:18px 0 22px}.article-v7-key h3{font-size:27px;margin:0}.article-v7-key ul{margin:0;padding-left:20px}.article-v7-key li{margin:6px 0;color:#4f544f}.meta-wordcount{white-space:nowrap!important}.pro-wordcount{display:none!important}

/* article index cards: word count no vertical billboard */
.article-foot{display:flex!important;gap:12px!important;align-items:center!important;flex-wrap:wrap!important}.article-foot span{white-space:nowrap!important}

@media(max-width:980px){.links{display:none}.search-form{display:none}.v7-about-grid,.v7-contact-grid,.v7-legal-head{grid-template-columns:1fr}.v7-about-copy h1,.v7-contact h1,.v7-doc-hero h1{font-size:54px}.v7-value-list{grid-template-columns:1fr 1fr}.v7-about-lower{grid-template-columns:1fr}.v7-contact{background:#f8f4ed}.v7-contact-visual{min-height:260px}.v7-legal-grid{grid-template-columns:1fr}.v7-legal-side{display:none}.v7-policy-cards{grid-template-columns:1fr}.v7-doc-hero .hero-grid{grid-template-columns:1fr}.v7-doc-body{grid-template-columns:1fr}.v7-doc-nav{position:static;display:flex;overflow:auto;gap:4px}.v7-doc-nav a{white-space:nowrap;border-left:0;border-bottom:2px solid transparent}.v7-disclaimer-grid{grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:1fr!important}.article-layout .toc{grid-column:1;grid-row:1;position:static}.article-layout .article-content{grid-column:1;grid-row:2}.article-v7-hero{height:280px}.footer-main{grid-template-columns:1fr!important}.footer.footer-graphic:before,.footer.footer-graphic:after{display:none}.footer-bottom{grid-template-columns:1fr!important}.footer-note{text-align:left}.v7-contact-paths{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.wrap{width:min(100% - 28px,1260px)}.nav{height:62px}.logo{font-size:22px}.nav-right .btn{padding:10px 12px;font-size:12px}.v7-about-grid,.v7-about-lower,.v7-contact-grid,.v7-doc-hero .hero-grid{display:block}.v7-team-stage{min-height:350px;margin:18px 0}.v7-value-list,.v7-stats,.v7-contact-paths,.v7-info-grid,.v7-disclaimer-grid{grid-template-columns:1fr}.v7-stat{border:0;padding:9px 0}.v7-doc-body{padding-top:22px}.article-title-fix h1{font-size:38px!important}.article-v7-key{grid-template-columns:1fr}.article-v7-hero{height:220px}}
/* V7 article compatibility for the longer Pro articles */
.pro-article-hero{padding:36px 0 18px!important;background:#f8f4ed!important;border-bottom:0!important}
.pro-article-hero h1{font-size:clamp(48px,5vw,72px)!important;line-height:.94!important;max-width:1020px!important;margin:12px 0 12px!important}
.pro-article-hero .dek{font:400 20px/1.38 Georgia,serif!important;color:#555!important;max-width:860px!important;margin:12px 0 0!important}
.pro-layout{display:grid!important;grid-template-columns:minmax(0,1fr) 285px!important;gap:28px!important;align-items:start!important}
.pro-layout .pro-toc{grid-column:2;grid-row:1;position:sticky!important;top:95px!important;border:1px solid #ded5c8!important;background:#fbf8f2!important;padding:18px!important;border-radius:6px!important;box-shadow:none!important}
.pro-layout .pro-toc h4{font-family:Arial,sans-serif!important;text-transform:uppercase;letter-spacing:.16em;font-size:10px!important}
.pro-layout .pro-toc a{font-size:13px!important;border-bottom:1px solid #e6ded2!important;padding:9px 0!important}
.pro-layout .pro-article{grid-column:1;grid-row:1;background:transparent!important;border:0!important;box-shadow:none!important;padding:0!important;max-width:none!important}
.pro-layout .pro-rail{display:none!important}
.pro-article .article-v7-hero{height:340px}
.ad-above-article{display:none!important}
@media(max-width:980px){.pro-layout{grid-template-columns:1fr!important}.pro-layout .pro-toc{grid-column:1;grid-row:1;position:static!important}.pro-layout .pro-article{grid-column:1;grid-row:2}.pro-article-hero h1{font-size:40px!important}}