/* NELFUND Loan Guide — independent NELFUND guide. Own palette: navy + amber. Never NELFUND green. */
:root {
  --navy: #363D46;
  --navy-900: #262B32;
  --navy-700: #4A525D;
  --navy-100: #E3E6EA;
  --navy-50: #F3F4F5;
  --amber: #F2A900;
  --amber-100: #fff4d6;
  --amber-700: #8a5b00;
  --ink: #262B32;
  --ink-2: #3e4c59;
  --muted: #616e7c;
  --line: #e1e5ea;
  --bg: #ffffff;
  --bg-2: #F5F3F3;
  --ok: #006632;
  --ok-100: #E3F1E8;
  --warn: #b45309;
  --warn-100: #fff3e0;
  --bad: #b42318;
  --bad-100: #fdecea;
  --info: #1d5fa8;
  --info-100: #e8f1fb;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 2px rgba(19, 40, 64, .06), 0 6px 24px rgba(19, 40, 64, .07);
  --shadow-lg: 0 2px 4px rgba(19, 40, 64, .06), 0 18px 48px rgba(19, 40, 64, .14);
  --font: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --wrap: 1180px;
  --header-h: 64px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }
body { margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg); font-size: 17px; line-height: 1.65; text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-700); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy-900); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 4px; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
@media (min-width: 700px) { .wrap { padding: 0 24px; } }
.skip { position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: 8px 14px; z-index: 100; }
.skip:focus { left: 8px; top: 8px; }
.i { width: 1em; height: 1em; flex: none; vertical-align: -0.12em; }
.hide-sm { display: none; } .show-sm { display: inline; }
@media (min-width: 1100px) { .hide-sm { display: inline; } .show-sm { display: none; } }

/* ---------------------------------------------------------- independent banner */
.indie-bar { background: var(--amber); color: #1b1300; font-size: 13.5px; line-height: 1.4; padding: 7px 16px; display: flex; gap: 8px; align-items: center; justify-content: center; text-align: center; }
.indie-bar a { color: #1b1300; font-weight: 700; }
.indie-bar .i { width: 16px; height: 16px; }

/* ---------------------------------------------------------- header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.header-row { display: flex; align-items: center; gap: 8px; min-height: var(--header-h); }
.logo { display: flex; align-items: center; gap: 8px; text-decoration: none; color: var(--navy); flex-wrap: nowrap; position: relative; min-width: 0; }
.logo-mark { width: 34px; height: 34px; border-radius: 10px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%); color: var(--amber); display: grid; place-items: center; font-weight: 800; font-size: 20px; letter-spacing: -.04em; box-shadow: inset 0 -3px 0 var(--amber); }
.logo-text { font-weight: 800; font-size: 17px; letter-spacing: -.02em; white-space: nowrap; }
@media (min-width: 400px) { .logo-text { font-size: 19px; } }
.logo-text b { font-weight: 800; color: var(--amber-700); margin-left: 2px; }
.main-nav { display: none; }
.btn-sm { margin-left: auto; }
.menu-btn { width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; display: grid; place-content: center; gap: 4px; cursor: pointer; flex: none; }
.menu-btn span { width: 18px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .2s, opacity .2s; }
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.main-nav.open { display: flex; flex-direction: column; position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-lg); padding: 8px 16px 16px; }
.main-nav a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; padding: 12px 6px; border-bottom: 1px solid var(--line); }
.main-nav a[aria-current] { color: var(--navy); }
.main-nav .nav-disclaimer { color: var(--amber-700); }
@media (min-width: 1100px) {
  .menu-btn { display: none; }
  .main-nav, .main-nav.open { display: flex; flex-direction: row; position: static; box-shadow: none; border: 0; padding: 0; gap: 2px; margin-left: auto; background: none; }
  .main-nav a { border: 0; padding: 8px 10px; border-radius: 8px; font-size: 14.5px; }
  .main-nav a:hover { background: var(--navy-50); }
  .main-nav a[aria-current] { background: var(--navy-100); }
  .btn-sm { margin-left: 8px; }
}
.progress { height: 3px; background: transparent; }
.progress span { display: block; height: 100%; width: 0; background: var(--amber); transition: width .1s linear; }

/* ---------------------------------------------------------- buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: inherit; font-weight: 700; text-decoration: none; border-radius: 11px; padding: 13px 20px; border: 0; cursor: pointer; line-height: 1.2; transition: transform .15s, box-shadow .15s, background .15s; }
.btn:hover { transform: translateY(-1px); }
.btn-portal { background: var(--navy); color: #fff; box-shadow: 0 2px 0 var(--navy-900), 0 8px 22px rgba(30, 58, 95, .28); }
.btn-portal:hover { background: var(--navy-700); color: #fff; }
.btn-portal .i { color: var(--amber); }
.btn-sm { padding: 9px 11px; font-size: 13.5px; border-radius: 10px; white-space: nowrap; gap: 6px; }
@media (min-width: 400px) { .btn-sm { padding: 10px 14px; font-size: 14px; } }
.btn-primary { background: var(--amber); color: #1b1300; box-shadow: 0 2px 0 #c58900; }
.btn-primary:hover { color: #1b1300; background: #ffb81a; }
.btn-ghost { background: #fff; color: var(--navy); border: 1.5px solid var(--navy-100); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.portal-cta { margin: 28px 0; padding: 20px; border: 2px dashed var(--navy-100); border-radius: var(--radius); background: var(--navy-50); text-align: center; }
.portal-cta .btn { width: 100%; max-width: 420px; font-size: 16.5px; padding: 15px 22px; }
.portal-note { margin: 10px 0 0; font-size: 13.5px; color: var(--ink-2); display: flex; gap: 6px; justify-content: center; align-items: center; flex-wrap: wrap; }
.portal-note .i { color: var(--ok); }

/* ---------------------------------------------------------- page hero (inner) */
.page-hero { background: radial-gradient(1200px 400px at 85% -100px, rgba(242, 169, 0, .16), transparent 60%), linear-gradient(180deg, var(--navy-50), #fff); border-bottom: 1px solid var(--line); padding: 26px 0 30px; }
.crumbs { font-size: 14px; color: var(--muted); display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 10px; }
.crumbs a { color: var(--muted); }
.page-hero h1 { font-size: clamp(29px, 5.2vw, 46px); line-height: 1.12; letter-spacing: -.025em; color: var(--navy-900); margin: 0 0 14px; max-width: 900px; font-weight: 800; }
.lede { font-size: clamp(17px, 2.2vw, 19.5px); color: var(--ink-2); max-width: 780px; margin: 0 0 14px; }
.byline { font-size: 14px; color: var(--muted); margin: 0; }
.byline time { font-weight: 700; color: var(--ink); }

/* ---------------------------------------------------------- layout with sticky TOC */
.content-wrap { padding-top: 28px; padding-bottom: 56px; }
.prose { max-width: 780px; margin: 0 auto; }
.page-narrow .prose { max-width: 720px; }
.doc { max-width: 780px; margin: 0 auto; }
@media (min-width: 1100px) {
  .doc { max-width: none; display: grid; grid-template-columns: minmax(0, 1fr) 270px; column-gap: 56px; align-items: start; }
  .doc > .prose { grid-column: 1; grid-row: 1; max-width: 800px; margin: 0; }
  .doc > .toc { grid-column: 2; grid-row: 1; position: sticky; top: calc(var(--header-h) + 24px); max-height: calc(100vh - var(--header-h) - 48px); overflow: auto; }
}

/* ---------------------------------------------------------- prose */
.prose h2 { font-size: clamp(24px, 3.6vw, 31px); line-height: 1.2; letter-spacing: -.02em; color: var(--navy-900); margin: 56px 0 14px; font-weight: 800; padding-top: 6px; }
.prose h2::before { content: ""; display: block; width: 44px; height: 4px; background: var(--amber); border-radius: 4px; margin-bottom: 14px; }
.prose h3 { font-size: clamp(19px, 2.6vw, 22px); line-height: 1.3; color: var(--navy); margin: 34px 0 10px; letter-spacing: -.01em; font-weight: 700; }
.prose h4 { font-size: 17px; margin: 24px 0 6px; color: var(--ink); }
.prose p, .prose ul, .prose ol { margin: 0 0 16px; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: 7px; }
.prose li::marker { color: var(--navy-700); font-weight: 700; }
.prose strong { color: var(--navy-900); }
.prose hr { border: 0; border-top: 1px solid var(--line); margin: 40px 0; }
.prose blockquote { margin: 20px 0; padding: 14px 18px; border-left: 4px solid var(--navy-100); background: var(--bg-2); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; color: var(--ink-2); }
.prose code, .prose kbd { font-size: .9em; background: var(--bg-2); border: 1px solid var(--line); border-radius: 6px; padding: 1px 6px; }
.meta-line { font-size: 13px; color: var(--muted); margin: 8px 0 0 !important; }
.small { font-size: 14px; color: var(--muted); }
.prose > :first-child { margin-top: 0; }

/* answer box: 40-60 word direct answer under each H2 */
.answer { background: var(--bg-2); border-left: 4px solid var(--navy); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 14px 18px; margin: 0 0 22px; font-size: 17px; }
.answer::before { content: "Quick answer"; display: block; font-size: 11.5px; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; color: var(--navy-700); margin-bottom: 4px; }
.answer p:last-child { margin-bottom: 0; }

/* callouts */
.callout { border-radius: var(--radius-sm); padding: 14px 16px 14px 48px; margin: 22px 0; position: relative; background: var(--info-100); border: 1px solid #cfe0f4; }
.callout::before { content: "i"; position: absolute; left: 14px; top: 14px; width: 22px; height: 22px; border-radius: 50%; background: var(--info); color: #fff; font-weight: 800; font-size: 13px; display: grid; place-items: center; font-style: italic; font-family: Georgia, serif; }
.callout p:last-child, .callout ul:last-child, .callout ol:last-child { margin-bottom: 0; }
.callout.warn { background: var(--warn-100); border-color: #f6d9b0; }
.callout.warn::before { content: "!"; background: var(--warn); font-style: normal; font-family: var(--font); }
.callout.bad { background: var(--bad-100); border-color: #f5c6c1; }
.callout.bad::before { content: "×"; background: var(--bad); font-style: normal; font-family: var(--font); font-size: 16px; }
.callout.ok { background: var(--ok-100); border-color: #b7e0da; }
.callout.ok::before { content: "✓"; background: var(--ok); font-style: normal; font-family: var(--font); }
.callout-title { display: block; font-weight: 800; color: var(--ink); margin-bottom: 4px; }

/* scam box */
.scam-box { background: linear-gradient(135deg, #2a1215, #4a1a1f); color: #fde8e8; border-radius: var(--radius); padding: 22px; margin: 26px 0; box-shadow: var(--shadow-lg); }
.scam-box h3, .scam-box strong { color: #fff; margin-top: 0; }
.scam-box a { color: #ffd27a; }
.scam-box ul { margin-bottom: 0; }
.scam-box li::marker { color: #ff9b9b; }

/* tables */
.table-wrap { overflow-x: auto; margin: 22px 0 26px; border: 1px solid var(--line); border-radius: var(--radius-sm); box-shadow: var(--shadow); -webkit-overflow-scrolling: touch; background: #fff; }
.table-wrap table { width: 100%; border-collapse: collapse; font-size: 15.5px; min-width: 520px; }
.table-wrap th, .table-wrap td { padding: 12px 14px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.table-wrap thead th { background: var(--navy); color: #fff; font-weight: 700; font-size: 14px; letter-spacing: .01em; position: sticky; top: 0; }
.table-wrap tbody tr:nth-child(even) { background: var(--bg-2); }
.table-wrap tbody tr:last-child td { border-bottom: 0; }
.table-wrap td:first-child { font-weight: 600; color: var(--navy-900); }
.table-wrap caption { caption-side: bottom; text-align: left; padding: 10px 14px; font-size: 13px; color: var(--muted); }

/* status pills */
.pill { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; border-radius: 999px; padding: 3px 10px; white-space: nowrap; background: var(--bg-2); color: var(--ink-2); border: 1px solid var(--line); }
.pill::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: currentColor; }
.pill.ok { background: var(--ok-100); color: var(--ok); border-color: #b7e0da; }
.pill.warn { background: var(--warn-100); color: var(--warn); border-color: #f6d9b0; }
.pill.bad { background: var(--bad-100); color: var(--bad); border-color: #f5c6c1; }
.pill.info { background: var(--info-100); color: var(--info); border-color: #cfe0f4; }

/* numbered steps */
.steps { list-style: none; padding: 0 !important; counter-reset: step; margin: 24px 0; }
.steps > li { counter-increment: step; position: relative; padding: 0 0 26px 58px; margin: 0; }
.steps > li::before { content: counter(step); position: absolute; left: 0; top: -2px; width: 40px; height: 40px; border-radius: 12px; background: var(--navy); color: #fff; font-weight: 800; display: grid; place-items: center; font-size: 17px; box-shadow: inset 0 -3px 0 var(--amber); }
.steps > li::after { content: ""; position: absolute; left: 19px; top: 44px; bottom: 6px; width: 2px; background: var(--navy-100); }
.steps > li:last-child::after { display: none; }
.steps > li > strong:first-child, .steps > li > h3:first-child { display: block; font-size: 18px; color: var(--navy-900); margin: 6px 0 6px; }

/* checklist */
.checklist { list-style: none; padding: 0 !important; display: grid; gap: 10px; margin: 20px 0; }
.checklist li { position: relative; padding: 12px 14px 12px 46px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); margin: 0; }
.checklist li::before { content: "✓"; position: absolute; left: 13px; top: 12px; width: 22px; height: 22px; border-radius: 6px; background: var(--ok-100); color: var(--ok); font-weight: 800; font-size: 13px; display: grid; place-items: center; }
.checklist.no li::before { content: "×"; background: var(--bad-100); color: var(--bad); font-size: 16px; }

/* cards */
.cards { display: grid; gap: 14px; margin: 22px 0; grid-template-columns: 1fr; }
@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .cards.cards-3 { grid-template-columns: repeat(3, 1fr); } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 18px 16px; box-shadow: var(--shadow); position: relative; }
.card h2, .card h3, .card h4 { margin: 0 0 6px !important; font-size: 18px !important; font-weight: 800; color: var(--navy-900); line-height: 1.3; }
.card p { margin: 0 0 8px; font-size: 15.5px; color: var(--ink-2); }
.card p:last-child { margin: 0; }
a.card { text-decoration: none; color: inherit; transition: transform .15s, box-shadow .15s, border-color .15s; display: block; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--navy-100); }
a.card .card-go { font-weight: 700; color: var(--navy-700); font-size: 14.5px; }
.card-icon { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: var(--navy-50); font-size: 21px; margin-bottom: 10px; }

/* screenshots in a phone frame */
.shot { margin: 28px auto; max-width: 270px; }
.phone { background: #0f1720; border-radius: 26px; padding: 8px; box-shadow: 0 1px 2px rgba(19, 40, 64, .1), 0 14px 36px rgba(19, 40, 64, .18), inset 0 0 0 2px #2b3644; }
.phone img { border-radius: 19px; width: 100%; background: #e9edf2; }
.shot figcaption { font-size: 15px; font-weight: 600; color: var(--ink); text-align: center; margin-top: 14px; line-height: 1.45; }
.shot-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 28px 22px; margin: 30px 0; align-items: start; }
.shot-row .shot { margin: 0 auto; max-width: 240px; }
.shot img { cursor: zoom-in; }
.lightbox { position: fixed; inset: 0; background: rgba(8, 15, 25, .9); z-index: 200; display: grid; place-items: center; padding: 20px; cursor: zoom-out; }
.lightbox img { max-height: 92vh; width: auto; border-radius: 16px; }

/* step + screenshot pair */
.step-block { display: grid; gap: 22px; margin: 28px 0; padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.step-block .shot { margin: 0 auto; max-width: 230px; width: 100%; }
.step-num { display: inline-block; font-size: 12.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--amber-700); margin-bottom: 6px; }
.step-block h3 { margin: 0 0 12px !important; font-size: clamp(20px, 2.6vw, 23px) !important; color: var(--navy-900) !important; line-height: 1.25; }
.step-text > :last-child { margin-bottom: 0; }
.step-text p { font-size: 16.5px; }
.step-caption { display: flex; flex-direction: column; gap: 2px; margin: 0 0 16px !important; padding: 10px 14px; background: var(--navy-50); border-left: 3px solid var(--navy); border-radius: 0 8px 8px 0; font-weight: 600; color: var(--navy-900); font-size: 16px !important; line-height: 1.45; }
.step-caption span { font-size: 11px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--navy-700); }
@media (min-width: 760px) {
  .step-block { grid-template-columns: minmax(0, 1fr) 220px; gap: 36px; padding: 28px 30px; align-items: center; }
  .step-block:not(:has(.shot)) { grid-template-columns: 1fr; }
  .step-block .shot { max-width: 220px; }
}

/* TOC */
.toc { margin: 0 0 30px; }
.toc details { border: 1px solid var(--line); border-radius: var(--radius); background: var(--bg-2); padding: 4px 18px 10px; }
.toc summary { font-weight: 800; color: var(--navy-900); cursor: pointer; padding: 12px 0 8px; list-style: none; display: flex; justify-content: space-between; align-items: center; font-size: 15px; text-transform: uppercase; letter-spacing: .07em; }
.toc summary::-webkit-details-marker { display: none; }
.toc summary::after { content: "▾"; font-size: 16px; transition: transform .2s; }
.toc details:not([open]) summary::after { transform: rotate(-90deg); }
.toc ol { margin: 0; padding-left: 1.4em; font-size: 15px; columns: 1; }
.toc li { margin: 0; padding: 4px 0; break-inside: avoid; }
.toc a { color: var(--ink-2); text-decoration: none; display: block; line-height: 1.4; }
.toc a:hover, .toc a.active { color: var(--navy); font-weight: 700; }
.toc a.active { position: relative; }
@media (min-width: 700px) and (max-width: 1099px) { .toc ol { columns: 2; column-gap: 32px; } }
@media (min-width: 1100px) { .toc details { background: #fff; } .toc ol { font-size: 14px; } }

/* FAQ */
.faq { border: 1px solid var(--line); border-radius: var(--radius-sm); margin: 0 0 10px; background: #fff; transition: box-shadow .15s; }
.faq[open] { box-shadow: var(--shadow); border-color: var(--navy-100); }
.faq summary { cursor: pointer; padding: 15px 48px 15px 18px; font-weight: 700; color: var(--navy-900); list-style: none; position: relative; line-height: 1.4; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); width: 26px; height: 26px; border-radius: 50%; background: var(--navy-50); color: var(--navy); display: grid; place-items: center; font-size: 19px; font-weight: 600; transition: transform .2s; }
.faq[open] summary::after { content: "−"; background: var(--navy); color: #fff; }
.faq > div { padding: 0 18px 14px; color: var(--ink-2); }
.faq > div p:last-child { margin-bottom: 0; }

/* session box */
.session { border-radius: var(--radius); padding: 18px 20px; margin: 22px 0; border: 1.5px solid; background: #fff; box-shadow: var(--shadow); }
.session p { margin: 6px 0 0; font-size: 15.5px; }
.session-head { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.session-label { font-size: 18px; color: var(--navy-900); }
.session-badge { font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; border-radius: 999px; padding: 3px 10px; }
.session-open { border-color: #9fd6cf; } .session-open .session-badge { background: var(--ok); color: #fff; }
.session-closed { border-color: #f5c6c1; } .session-closed .session-badge { background: var(--bad); color: #fff; }
.session-pending { border-color: #f6d9b0; } .session-pending .session-badge { background: var(--warn); color: #fff; }
.pulse { width: 10px; height: 10px; border-radius: 50%; background: var(--ok); box-shadow: 0 0 0 0 rgba(15, 118, 110, .5); animation: pulse 2s infinite; }
.session-closed .pulse { background: var(--bad); animation: none; } .session-pending .pulse { background: var(--warn); animation: none; }
@keyframes pulse { 70% { box-shadow: 0 0 0 10px rgba(15, 118, 110, 0); } 100% { box-shadow: 0 0 0 0 rgba(15, 118, 110, 0); } }
.session-count { font-weight: 700; color: var(--ok) !important; }

/* dated log */
.log { list-style: none; padding: 0 !important; margin: 22px 0; border-left: 3px solid var(--navy-100); }
.log > li { position: relative; padding: 0 0 22px 24px; margin: 0; }
.log > li::before { content: ""; position: absolute; left: -9px; top: 6px; width: 15px; height: 15px; border-radius: 50%; background: #fff; border: 3px solid var(--navy); }
.log > li.new::before { border-color: var(--amber); background: var(--amber); }
.log time { display: inline-block; font-size: 13px; font-weight: 800; color: var(--navy-700); text-transform: uppercase; letter-spacing: .06em; margin-bottom: 2px; }
.log h3, .log h4 { margin: 2px 0 6px !important; font-size: 17.5px !important; color: var(--navy-900); }
.log p { margin-bottom: 6px; font-size: 16px; }
.log .src { font-size: 13.5px; color: var(--muted); }

/* rumour vs fact */
.myth { display: grid; gap: 0; border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; margin: 0 0 14px; background: #fff; box-shadow: var(--shadow); }
@media (min-width: 680px) { .myth { grid-template-columns: 1fr 1fr; } }
.myth > div { padding: 14px 16px; }
.myth > div:first-child { background: var(--bad-100); }
.myth > div:last-child { background: var(--ok-100); }
.myth .tag { display: block; font-size: 11.5px; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; margin-bottom: 3px; }
.myth > div:first-child .tag { color: var(--bad); } .myth > div:last-child .tag { color: var(--ok); }
.myth p { margin: 0; font-size: 15.5px; }

/* template / copy box */
.template { background: var(--bg-2); border: 1px dashed #b7c3d0; border-radius: var(--radius-sm); padding: 16px 18px; font-size: 15.5px; position: relative; margin: 20px 0; white-space: pre-wrap; font-family: var(--font); }
.copy-btn { position: absolute; top: 10px; right: 10px; font: inherit; font-size: 13px; font-weight: 700; border: 1px solid var(--line); background: #fff; color: var(--navy); border-radius: 8px; padding: 5px 10px; cursor: pointer; }

/* sources */
.sources { margin-top: 40px; padding: 20px; background: var(--bg-2); border-radius: var(--radius); font-size: 14.5px; }
.sources h2 { font-size: 20px !important; margin-top: 0 !important; }
.sources h2::before { display: none !important; }
.sources ol { margin-bottom: 0; }
.sources li { margin-bottom: 5px; }

/* author box */
.author-box { display: flex; gap: 16px; align-items: flex-start; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; margin: 40px 0 0; background: #fff; box-shadow: var(--shadow); }
.avatar { width: 54px; height: 54px; border-radius: 50%; background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: var(--amber); font-weight: 800; font-size: 22px; display: grid; place-items: center; flex: none; }
.author-box p { margin: 0 0 6px; font-size: 15px; color: var(--ink-2); }
.author-name { font-weight: 800; color: var(--ink) !important; font-size: 16px !important; }

/* next step / related links */
.next-step { display: flex; gap: 14px; align-items: center; justify-content: space-between; flex-wrap: wrap; background: linear-gradient(135deg, var(--navy), var(--navy-700)); color: #fff; border-radius: var(--radius); padding: 20px 22px; margin: 30px 0; text-decoration: none; box-shadow: var(--shadow-lg); }
.next-step:hover { color: #fff; transform: translateY(-2px); }
.next-step span { font-size: 13px; text-transform: uppercase; letter-spacing: .08em; color: var(--amber); font-weight: 800; display: block; }
.next-step strong { color: #fff !important; font-size: 18px; }
.next-step::after { content: "→"; font-size: 24px; color: var(--amber); }

/* ---------------------------------------------------------- homepage */
.home-hero { background: radial-gradient(900px 500px at 100% 0%, rgba(242, 169, 0, .22), transparent 60%), radial-gradient(700px 400px at 0% 100%, rgba(255, 255, 255, .06), transparent 60%), linear-gradient(160deg, var(--navy-900) 0%, var(--navy) 55%, var(--navy-700) 100%); color: #fff; padding: 38px 0 44px; position: relative; overflow: hidden; }
.home-hero::after { content: ""; position: absolute; inset: 0; background-image: radial-gradient(rgba(255, 255, 255, .07) 1px, transparent 1px); background-size: 22px 22px; mask-image: linear-gradient(180deg, transparent, #000 40%, transparent); pointer-events: none; }
.home-hero .wrap { position: relative; z-index: 1; display: grid; gap: 30px; }
@media (min-width: 980px) { .home-hero .wrap { grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); align-items: center; } .home-hero { padding: 64px 0 70px; } }
.eyebrow { display: inline-flex; gap: 8px; align-items: center; font-size: 13px; font-weight: 700; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18); border-radius: 999px; padding: 5px 12px; color: #fff; margin-bottom: 16px; }
.eyebrow b { color: var(--amber); }
.home-hero h1 { font-size: clamp(32px, 6vw, 56px); line-height: 1.06; letter-spacing: -.03em; margin: 0 0 16px; font-weight: 800; }
.home-hero h1 em { font-style: normal; color: var(--amber); }
.home-hero .lede { color: #d6e1ee; font-size: clamp(17px, 2.3vw, 20px); }
.home-hero .lede strong { color: #fff; }
.home-hero .byline { color: #a9bccf; } .home-hero .byline time, .home-hero .byline a { color: #fff; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 22px 0 10px; }
.hero-actions .btn-portal { background: var(--amber); color: #1b1300; box-shadow: 0 2px 0 #c58900, 0 10px 30px rgba(242, 169, 0, .3); }
.hero-actions .btn-portal .i { color: #1b1300; }
.hero-actions .btn-ghost { background: rgba(255, 255, 255, .08); color: #fff; border-color: rgba(255, 255, 255, .3); }
.hero-note { font-size: 13.5px; color: #a9bccf; display: flex; gap: 6px; align-items: center; margin: 0; }
.hero-note .i { color: #7ee0d2; }
.hero-panel { background: rgba(255, 255, 255, .97); color: var(--ink); border-radius: 20px; padding: 20px; box-shadow: 0 30px 80px rgba(0, 0, 0, .35); }
.hero-panel .session { margin: 0 0 14px; box-shadow: none; }
.quick { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.quick a { display: flex; flex-direction: column; gap: 2px; padding: 12px; border-radius: 12px; background: var(--bg-2); text-decoration: none; color: var(--ink); font-size: 14px; border: 1px solid var(--line); transition: border-color .15s, background .15s; }
.quick a:hover { border-color: var(--navy); background: #fff; }
.quick a b { color: var(--navy-900); font-size: 14.5px; }
.quick a span { color: var(--muted); font-size: 12.5px; line-height: 1.35; }
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin: 26px 0 6px; }
@media (min-width: 760px) { .stats { grid-template-columns: repeat(4, 1fr); } }
.stat { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 16px; box-shadow: var(--shadow); }
.stat b { display: block; font-size: clamp(21px, 3vw, 27px); color: var(--navy-900); letter-spacing: -.02em; line-height: 1.15; }
.stat span { font-size: 13.5px; color: var(--muted); line-height: 1.35; display: block; margin-top: 4px; }
.page-home .content-wrap { padding-top: 34px; }

/* ---------------------------------------------------------- widgets */
.status-helper, .calc { border: 1px solid var(--line); border-radius: 18px; background: linear-gradient(180deg, #fff, var(--navy-50)); padding: 20px; margin: 24px 0; box-shadow: var(--shadow-lg); }
.widget-title { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 19px; color: var(--navy-900); margin: 0 0 4px; }
.widget-title .tag { font-size: 11px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; background: var(--amber); color: #1b1300; padding: 3px 8px; border-radius: 999px; }
.widget-sub { font-size: 14.5px; color: var(--muted); margin: 0 0 14px; }
.sh-options { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 8px; margin-bottom: 14px; }
.sh-options button { font: inherit; font-size: 14.5px; font-weight: 700; text-align: left; padding: 12px; border-radius: 12px; border: 1.5px solid var(--line); background: #fff; color: var(--ink); cursor: pointer; display: flex; gap: 8px; align-items: center; transition: border-color .15s, background .15s; min-height: 48px; }
.sh-options button:hover { border-color: var(--navy-700); }
.sh-options button[aria-pressed="true"] { border-color: var(--navy); background: var(--navy); color: #fff; }
.sh-options .dot { width: 10px; height: 10px; border-radius: 50%; flex: none; }
.sh-result { background: #fff; border-radius: 14px; border: 1px solid var(--line); padding: 18px; animation: rise .25s ease; }
.sh-result h3 { margin: 0 0 8px !important; font-size: 19px !important; }
.sh-grid { display: grid; gap: 10px; margin: 12px 0; }
@media (min-width: 640px) { .sh-grid { grid-template-columns: repeat(3, 1fr); } }
.sh-grid div { background: var(--bg-2); border-radius: 10px; padding: 10px 12px; font-size: 14.5px; }
.sh-grid b { display: block; font-size: 11.5px; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin-bottom: 2px; }
.sh-result ol { margin: 8px 0 12px; padding-left: 1.3em; font-size: 15.5px; }
.sh-result .sh-link { font-weight: 700; }
.sh-privacy { font-size: 12.5px; color: var(--muted); margin: 12px 0 0; }
@keyframes rise { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.calc-grid { display: grid; gap: 14px; }
@media (min-width: 640px) { .calc-grid { grid-template-columns: 1fr 1fr; } }
.calc label, .contact-form label { display: block; font-weight: 700; font-size: 14.5px; color: var(--ink); }
.calc input, .contact-form input, .contact-form textarea { display: block; width: 100%; margin-top: 6px; font: inherit; font-size: 17px; padding: 12px 14px; border: 1.5px solid #cbd2d9; border-radius: 11px; background: #fff; color: var(--ink); }
.calc input:focus, .contact-form input:focus, .contact-form textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px var(--navy-100); }
.calc .hint { display: block; font-weight: 500; font-size: 12.5px; color: var(--muted); margin-top: 4px; }
.calc-out { display: grid; gap: 10px; margin-top: 16px; }
@media (min-width: 640px) { .calc-out { grid-template-columns: repeat(3, 1fr); } }
.calc-out div { background: var(--navy); color: #fff; border-radius: 12px; padding: 14px; }
.calc-out b { display: block; font-size: 24px; letter-spacing: -.02em; color: var(--amber); }
.calc-out span { font-size: 13px; color: #c9d6e4; }
.calc-note { font-size: 13px; color: var(--muted); margin: 12px 0 0; }
.contact-form { display: grid; gap: 14px; max-width: 560px; margin: 20px 0; }
.form-status { font-weight: 700; color: var(--ok); margin: 0; }

/* ---------------------------------------------------------- footer */
.site-footer { background: var(--navy-900); color: #c9d6e4; margin-top: 30px; font-size: 15px; }
.footer-grid { display: grid; gap: 28px; padding-top: 44px; padding-bottom: 30px; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1.2fr .8fr; } }
.site-footer h2 { color: #fff; font-size: 14px; text-transform: uppercase; letter-spacing: .08em; margin: 6px 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer li small { display: block; font-size: 12.5px; color: #8fa3b8; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; color: #fff; }
.logo-light { color: #fff; margin-bottom: 12px; }
.logo-light .logo-text b { color: var(--amber); }
.footer-indie { background: rgba(242, 169, 0, .12); border: 1px solid rgba(242, 169, 0, .35); border-radius: 10px; padding: 10px 12px; color: #ffe2a0; font-size: 14px; }
.footer-indie a { color: var(--amber); font-weight: 700; }
.ext-tag { font-size: 10px; background: rgba(255, 255, 255, .12); padding: 2px 6px; border-radius: 6px; vertical-align: middle; letter-spacing: .06em; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 18px; padding-bottom: 28px; font-size: 13.5px; color: #8fa3b8; display: flex; flex-wrap: wrap; gap: 6px 24px; justify-content: space-between; }
.footer-bottom p { margin: 0; }
.to-top { position: fixed; right: 16px; bottom: 16px; width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; text-decoration: none; font-weight: 800; font-size: 20px; box-shadow: var(--shadow-lg); opacity: 0; pointer-events: none; transition: opacity .2s, transform .2s; transform: translateY(10px); z-index: 40; }
.to-top.show { opacity: 1; pointer-events: auto; transform: none; }
.to-top:hover { color: var(--amber); }

/* 404 */
.notfound { text-align: center; padding: 70px 0; }
.notfound h1 { font-size: 64px; color: var(--navy); margin: 0; }

@media print { .indie-bar, .site-header, .to-top, .portal-cta .btn, .site-footer .footer-grid > div:not(:first-child) { display: none; } body { font-size: 12pt; } }


/* ==========================================================================
   Government-service theme: flat, white, high-contrast, plain headings.
   Own palette (navy + blue + amber banner). Never NELFUND green or its logo.
   ========================================================================== */
:root { --link: #006632; --green: #006632; --green-700: #004D26; --green-50: #E8F3EC; --radius: 8px; --radius-sm: 6px; --shadow: none; --shadow-lg: 0 4px 16px rgba(19, 40, 64, .10); }
body { font-size: 17.5px; line-height: 1.6; }
a { color: var(--link); }
a:hover { color: var(--navy-900); }

/* header: white with a solid navy rule underneath */
.site-header { background: #fff; backdrop-filter: none; border-bottom: 4px solid var(--navy); }
.logo-mark { border-radius: 6px; box-shadow: none; background: var(--navy); }
.main-nav a { font-weight: 600; color: var(--navy-900); }
@media (min-width: 1100px) {
  .main-nav a { border-radius: 4px; }
  .main-nav a[aria-current] { background: none; box-shadow: inset 0 -3px 0 var(--navy); border-radius: 0; }
  .main-nav a:hover { background: var(--navy-50); }
}
.progress span { background: var(--link); }

/* buttons: flat and square-ish */
.btn { border-radius: 6px; transition: background .15s; }
.btn:hover { transform: none; }
.btn-portal { box-shadow: 0 2px 0 var(--navy-900); }
.btn-ghost { border: 2px solid var(--navy); }
.portal-cta { border: 1px solid var(--line); border-left: 5px solid var(--navy); background: var(--bg-2); border-radius: var(--radius); text-align: left; }
.portal-note { justify-content: flex-start; }

/* homepage hero: light, plain, no glow or dot pattern */
.home-hero { background: var(--bg-2); color: var(--ink); border-bottom: 1px solid var(--line); }
.home-hero::after { display: none; }
.home-hero h1 { color: var(--navy-900); font-weight: 800; letter-spacing: -.02em; }
.home-hero h1 em { color: var(--link); }
.home-hero .lede { color: var(--ink-2); }
.home-hero .lede strong { color: var(--navy-900); }
.home-hero .byline { color: var(--muted); }
.home-hero .byline time { color: var(--ink); }
.home-hero .byline a { color: var(--link); }
.eyebrow { background: #fff; border: 1px solid var(--line); color: var(--ink-2); border-radius: 4px; }
.eyebrow b { color: var(--navy); }
.hero-actions .btn-portal { background: var(--navy); color: #fff; box-shadow: 0 2px 0 var(--navy-900); }
.hero-actions .btn-portal .i { color: #fff; }
.hero-actions .btn-ghost { background: #fff; color: var(--navy); border-color: var(--navy); }
.hero-note { color: var(--muted); }
.hero-note .i { color: var(--ok); }
.hero-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.quick a { border-radius: 6px; background: #fff; }

/* inner page header */
.page-hero { background: var(--bg-2); }
.page-hero h1 { color: var(--navy-900); letter-spacing: -.02em; }

/* headings: plain, no decorative bar */
.prose h2 { letter-spacing: -.015em; margin-top: 60px; padding-top: 22px; border-top: 1px solid var(--line); }
.prose h2::before { display: none; }
.prose h3 { color: var(--navy-900); }

/* boxes: borders instead of shadows */
.answer::before { color: var(--navy); }
.card, .stat, .faq, .session, .author-box, .step-block, .myth, .table-wrap, .status-helper, .calc { box-shadow: none; }
.card, .stat, .step-block, .author-box, .status-helper, .calc { border-radius: var(--radius); }
a.card:hover { transform: none; border-color: var(--navy); box-shadow: none; }
.faq[open] { box-shadow: none; border-color: var(--navy); }
.next-step { background: var(--navy); border-radius: var(--radius); box-shadow: none; }
.next-step:hover { transform: none; background: var(--navy-700); }
.status-helper, .calc { background: #fff; border: 2px solid var(--navy-100); }
.sh-options button { border-radius: 6px; }
.table-wrap thead th { background: var(--navy-900); }
.steps > li::before { border-radius: 50%; box-shadow: none; }
.step-num { color: var(--link); }
.step-caption { border-left-color: var(--link); }
.phone { box-shadow: 0 6px 20px rgba(19, 40, 64, .16), inset 0 0 0 2px #2b3644; }
.scam-box { background: #fff; color: var(--ink); border: 2px solid var(--bad); border-left-width: 6px; box-shadow: none; border-radius: var(--radius); }
.scam-box h3, .scam-box strong { color: var(--bad); }
.scam-box a { color: var(--link); }
.scam-box li::marker { color: var(--bad); }
.callout { border-radius: var(--radius-sm); }
.to-top { border-radius: 6px; }


/* ==========================================================================
   Palette: charcoal #363D46 + green #006632 on off-white #FCFAFA
   ========================================================================== */
body { background: #FCFAFA; }
a:hover { color: var(--green-700); }
.site-header { background: #fff; border-bottom-color: var(--green); }
.logo-mark { background: var(--navy); color: #fff; box-shadow: inset 0 -4px 0 var(--green); }
.logo-text { color: var(--navy); }
.logo-text b, .logo-light .logo-text b { color: var(--green); }
.logo-light .logo-text { color: #fff; }
@media (min-width: 1100px) { .main-nav a[aria-current] { box-shadow: inset 0 -3px 0 var(--green); color: var(--navy); } }
.main-nav .nav-disclaimer { color: var(--green-700); }
.progress span { background: var(--green); }
.btn-portal, .hero-actions .btn-portal { background: var(--green); color: #fff; box-shadow: 0 2px 0 var(--green-700); }
.btn-portal:hover, .hero-actions .btn-portal:hover { background: var(--green-700); color: #fff; }
.btn-portal .i, .hero-actions .btn-portal .i { color: #fff; }
.btn-ghost, .hero-actions .btn-ghost { color: var(--navy); border-color: var(--navy); background: #fff; }
.btn-primary { background: var(--green); color: #fff; box-shadow: 0 2px 0 var(--green-700); }
.btn-primary:hover { background: var(--green-700); color: #fff; }
.portal-cta { border-left-color: var(--green); background: var(--green-50); }
.home-hero, .page-hero { background: #F5F3F3; }
.home-hero h1 em { color: var(--green); }
.eyebrow b { color: var(--green); }
.answer { border-left-color: var(--green); }
.answer::before { color: var(--green-700); }
.step-num { color: var(--green); }
.step-caption { border-left-color: var(--green); background: var(--green-50); }
.step-caption span { color: var(--green-700); }
.steps > li::before { background: var(--navy); box-shadow: inset 0 -3px 0 var(--green); }
.toc a.active, .toc a:hover { color: var(--green-700); }
.prose li::marker { color: var(--green); }
.checklist li::before { background: var(--green-50); color: var(--green); }
.log > li::before { border-color: var(--navy); }
.log > li.new::before { border-color: var(--green); background: var(--green); }
.log time { color: var(--green-700); }
.faq[open] { border-color: var(--green); }
.faq[open] summary::after { background: var(--green); }
a.card:hover { border-color: var(--green); }
a.card .card-go { color: var(--green-700); }
.widget-title .tag { background: var(--green); color: #fff; }
.sh-options button[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); }
.status-helper, .calc { border-color: #cfe5d8; }
.calc-out div { background: var(--navy); }
.calc-out b { color: #F2C14E; }
.next-step { background: var(--navy); }
.next-step span, .next-step::after { color: #F2C14E; }
.avatar { background: var(--navy); color: #fff; }
.site-footer { background: var(--navy-900); }
.footer-indie { background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .18); color: #e7ebe6; }
.footer-indie a { color: #F2C14E; }
:focus-visible { outline-color: var(--green); }
.session-count { color: var(--green) !important; }
.copy-btn { color: var(--green-700); }
.session-open { border-color: #a9d2b9; }
.pulse { box-shadow: 0 0 0 0 rgba(0, 102, 50, .5); }

/* Homepage hero: deep green rgb(0, 102, 50) with light text */
.home-hero { background: #006632; color: #fff; border-bottom: 0; }
.home-hero h1 { color: #fff; }
.home-hero h1 em { color: #F2C14E; }
.home-hero .lede { color: #e3f0e8; }
.home-hero .lede strong { color: #fff; }
.home-hero .eyebrow { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .28); color: #fff; }
.home-hero .eyebrow b { color: #F2C14E; }
.home-hero .hero-actions .btn-portal { background: #fff; color: #006632; box-shadow: 0 2px 0 rgba(0, 0, 0, .25); }
.home-hero .hero-actions .btn-portal:hover { background: #eef7f1; color: #004d26; }
.home-hero .hero-actions .btn-portal .i { color: #006632; }
.home-hero .hero-actions .btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .75); }
.home-hero .hero-actions .btn-ghost:hover { background: rgba(255, 255, 255, .1); color: #fff; }
.home-hero .hero-note { color: #cfe5d8; }
.home-hero .hero-note .i { color: #F2C14E; }
.home-hero .byline { color: #cfe5d8; }
.home-hero .byline time, .home-hero .byline a { color: #fff; }
.home-hero :focus-visible { outline-color: #F2C14E; }
.home-hero .hero-panel { border: 0; box-shadow: 0 18px 50px rgba(0, 0, 0, .25); }

/* Inner page headers match the homepage hero green */
.page-hero { background: #006632; color: #fff; border-bottom: 0; }
.page-hero h1 { color: #fff; }
.page-hero .lede { color: #e3f0e8; }
.page-hero .crumbs, .page-hero .crumbs a, .page-hero .byline { color: #cfe5d8; }
.page-hero .byline time, .page-hero .byline a { color: #fff; }
.page-hero :focus-visible { outline-color: #F2C14E; }
/* Info callouts and pills: neutral charcoal instead of blue */
:root { --info: #363D46; --info-100: #F1F2F4; }
.callout { border-color: #dde0e5; }
.pill.info { border-color: #d5d9df; }

/* Hero start card (choices only) */
.home-hero .hero-panel { padding: 0; background: transparent; box-shadow: none; border: 0; }
.start-card { background: #fff; color: var(--ink); border-radius: 10px; padding: 24px 22px; box-shadow: 0 18px 50px rgba(0, 0, 0, .25); border-top: 5px solid #F2C14E; }
.sc-kicker { display: flex; align-items: center; gap: 10px; margin: 0 0 8px; font-size: 12.5px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.sc-kicker span { background: var(--green-50); color: var(--green); border-radius: 5px; padding: 3px 7px; letter-spacing: .04em; }
.sc-title { font-size: clamp(22px, 2.6vw, 27px); font-weight: 800; color: var(--navy-900); margin: 0 0 6px; line-height: 1.2; letter-spacing: -.01em; }
.sc-sub { font-size: 15px; color: var(--ink-2); margin: 0 0 16px; }
.sc-group { border: 0; padding: 0; margin: 0 0 16px; min-width: 0; }
.sc-group[hidden] { display: none; }
.sc-group legend { font-weight: 700; font-size: 15px; color: var(--navy-900); margin-bottom: 8px; padding: 0; display: flex; justify-content: space-between; width: 100%; gap: 8px; }
.sc-count { font-weight: 700; font-size: 13px; color: var(--green); }
.sc-opts { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.sc-opt { position: relative; cursor: pointer; }
.sc-opt input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.sc-opt span { display: block; height: 100%; border: 1.5px solid var(--line); border-radius: 8px; padding: 10px 12px; transition: border-color .15s, background .15s; }
.sc-opt b { display: block; font-size: 14.5px; color: var(--navy-900); line-height: 1.3; }
.sc-opt small { display: block; font-size: 12.5px; color: var(--muted); line-height: 1.35; margin-top: 2px; }
.sc-opt:hover span { border-color: var(--navy-700); }
.sc-opt input:checked + span { border-color: var(--green); background: var(--green-50); box-shadow: inset 0 0 0 1px var(--green); }
.sc-opt input:focus-visible + span { outline: 3px solid #F2C14E; outline-offset: 2px; }
.sc-bar { height: 6px; background: var(--bg-2); border-radius: 6px; overflow: hidden; margin-bottom: 10px; }
.sc-bar span { display: block; height: 100%; width: 0; background: var(--green); transition: width .25s; }
.sc-checks { display: grid; gap: 6px; }
.sc-check { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; color: var(--ink); cursor: pointer; padding: 7px 10px; border-radius: 7px; border: 1px solid var(--line); }
.sc-check:hover { border-color: var(--navy-700); }
.sc-check input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--green); flex: none; }
.sc-check:has(input:checked) { background: var(--green-50); border-color: #b5d6c2; }
.sc-tip { font-size: 13.5px; margin: 10px 0 0; padding: 9px 12px; border-radius: 7px; background: var(--bg-2); color: var(--ink-2); line-height: 1.45; }
.sc-tip.warn { background: var(--warn-100); color: #7a3e06; }
.sc-tip.ok { background: var(--green-50); color: var(--green-700); font-weight: 600; }
.sc-go { width: 100%; font-size: 16.5px; padding: 15px 18px; }
.home-hero .start-card .sc-go { background: var(--green); color: #fff; box-shadow: 0 2px 0 var(--green-700); }
.home-hero .start-card .sc-go .i { color: #fff; }
.home-hero .start-card .sc-go:hover { background: var(--green-700); }
.sc-note { display: flex; gap: 6px; align-items: flex-start; font-size: 12.5px; color: var(--muted); margin: 10px 0 8px; line-height: 1.4; }
.sc-note .i { color: var(--green); margin-top: 2px; }
.sc-guide { font-size: 14.5px; font-weight: 700; color: var(--green); }
@media (max-width: 979px) { .home-hero .hero-actions { display: none; } }
/* hero session line */
.session-line { display: flex; align-items: center; gap: 10px; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .25); border-radius: 8px; padding: 10px 14px; margin: 18px 0 6px; font-size: 15px; color: #e3f0e8; max-width: 620px; }
.session-line strong { color: #fff; }
.session-line .dot { width: 10px; height: 10px; border-radius: 50%; background: #7ee2a8; flex: none; box-shadow: 0 0 0 4px rgba(126, 226, 168, .25); }
.session-days { color: #F2C14E; font-weight: 700; }


/* ==========================================================================
   Reading template: sticky TOC bar + zig-zag numbered steps
   ========================================================================== */
html { scroll-padding-top: 140px; }
.site-header:has(.toc-bar) .progress { display: none; }

/* sticky bar under the header, appears once you start reading */
.toc-bar { position: absolute; left: 0; right: 0; top: 100%; background: #F1F4F2; border-bottom: 1px solid var(--line); box-shadow: 0 6px 18px rgba(38, 43, 50, .08);
  transform: translateY(-8px); opacity: 0; visibility: hidden; transition: opacity .2s, transform .2s, visibility .2s; }
.toc-bar.on { transform: none; opacity: 1; visibility: visible; }
.toc-bar-row { display: flex; align-items: center; gap: 12px; min-height: 60px; }
.ring { position: relative; width: 42px; height: 42px; flex: none; }
.ring svg { width: 42px; height: 42px; transform: rotate(-90deg); }
.ring circle { fill: none; stroke-width: 4; }
.ring-bg { stroke: #dfe5e1; }
.ring-fg { stroke: #F2A900; stroke-linecap: round; transition: stroke-dashoffset .15s linear; }
.ring-num { position: absolute; inset: 0; display: grid; place-items: center; font-size: 12.5px; font-weight: 800; color: var(--navy-900); }
.toc-btn { display: inline-flex; align-items: center; gap: 8px; font: inherit; font-weight: 700; font-size: 15px; color: var(--green); background: #fff;
  border: 2px solid var(--green); border-radius: 999px; padding: 8px 16px; cursor: pointer; flex: none; }
.toc-btn:hover, .toc-btn[aria-expanded="true"] { background: var(--green); color: #fff; }
.toc-btn .i { width: 18px; height: 18px; }
.toc-count { flex: none; font-size: 13.5px; font-weight: 800; color: var(--amber-700); background: var(--amber-100); border-radius: 999px; padding: 4px 10px; }
.toc-current { flex: 1; min-width: 0; font-weight: 700; color: var(--navy-900); font-size: 16px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.toc-top { flex: none; display: inline-flex; align-items: center; gap: 6px; font-weight: 700; color: var(--green); text-decoration: none; font-size: 15px; }
.toc-top:hover { color: var(--green-700); }
.toc-panel { border-top: 1px solid var(--line); background: #fff; max-height: min(70vh, 560px); overflow: auto; }
.toc-panel ol { list-style: none; margin: 0; padding: 10px 0 14px; columns: 2 300px; column-gap: 28px; }
.toc-panel li { break-inside: avoid; }
.toc-panel a { display: flex; gap: 10px; align-items: baseline; padding: 8px 10px; border-radius: 6px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; line-height: 1.4; }
.toc-panel a span { flex: none; min-width: 24px; font-size: 12.5px; font-weight: 800; color: var(--muted); }
.toc-panel a:hover { background: var(--green-50); color: var(--green-700); }
.toc-panel a.active { background: var(--green-50); color: var(--green-700); }
.toc-panel a.active span { color: var(--green); }
@media (max-width: 699px) {
  .toc-bar-row { gap: 8px; min-height: 54px; }
  .toc-btn span { display: none; }
  .toc-btn { padding: 8px 10px; }
  .toc-current { font-size: 14.5px; }
  .toc-top span { display: none; }
  .ring, .ring svg { width: 36px; height: 36px; }
}

/* single centred column: text at reading width, steps use the full width */
.doc { max-width: 1060px; margin: 0 auto; display: block; }
.doc > .prose { max-width: none; margin: 0; }
.doc > .toc { position: static; max-height: none; max-width: 800px; margin: 0 auto 30px; }
.doc .prose > * { max-width: 800px; margin-left: auto; margin-right: auto; }
.doc .prose > .step-block { max-width: none; }
.page-narrow .prose { max-width: 720px; }

/* zig-zag steps */
.step-block { display: grid; gap: 22px; margin: 0; padding: 40px 0; border: 0; border-top: 1px solid var(--line); border-radius: 0; background: none; }
.step-block + :not(.step-block) { margin-top: 30px; }
.step-head { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 14px; }
.step-badge { flex: none; width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 19px; }
.step-head h3 { margin: 6px 0 0 !important; font-size: clamp(21px, 2.6vw, 26px) !important; line-height: 1.25; color: var(--navy-900) !important; }
.step-meta { display: inline-block; font-size: 12.5px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--green-700); background: var(--green-50); border-radius: 999px; padding: 3px 10px; margin: -4px 0 12px 60px; }
.step-text p { font-size: 17px; }
.step-text > :last-child { margin-bottom: 0; }
.step-shot { margin: 0; max-width: none; background: #fff; border: 1px solid var(--line); border-radius: 10px; overflow: hidden; }
.step-shot .phone { max-width: 250px; margin: 22px auto; }
.step-shot figcaption { margin: 0; padding: 14px 18px; border-top: 1px solid var(--line); background: #fff; text-align: left; font-size: 15px; font-weight: 500; color: var(--ink-2); }
.step-block .step-shot { max-width: 520px; width: 100%; margin: 0 auto; }
@media (min-width: 860px) {
  .step-block { grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; padding: 48px 0; }
  .step-block.flip .step-shot { order: -1; }
  .step-block .step-shot { margin: 0; }
  .step-block:not(:has(.step-shot)) { grid-template-columns: 1fr; max-width: 800px !important; }
}
.step-shot { background: linear-gradient(180deg, #F3F6F4, #fff); }
body:has(.toc-bar) .to-top { display: none; }

/* Full-width layout: content fills the page container on desktop */
:root { --wrap: 1320px; }
.wrap { padding-left: 32px; padding-right: 32px; }
.prose, .page-narrow .prose, .doc, .doc > .prose { max-width: none; margin: 0; }
.doc .prose > *, .step-block:not(:has(.step-shot)) { max-width: none !important; margin-left: 0; margin-right: 0; }
.page-hero h1, .lede { max-width: 1000px; }
.step-block .step-shot { max-width: 600px; }
@media (min-width: 860px) {
  .step-block { gap: 64px; }
  .step-block .step-shot { justify-self: center; }
}
/* Mobile polish */
@media (max-width: 699px) {
  .wrap { padding-left: 16px; padding-right: 16px; }
  .content-wrap { padding-top: 20px; padding-bottom: 40px; }
  .prose p, .prose li, .step-text p { font-size: 16.5px; line-height: 1.65; }
  .prose h2 { font-size: 25px; line-height: 1.22; }
  .step-block { padding: 30px 0; gap: 16px; }
  .step-head { gap: 12px; margin-bottom: 10px; }
  .step-badge { width: 38px; height: 38px; font-size: 16px; }
  .step-head h3 { margin-top: 4px !important; font-size: 20px !important; }
  .step-meta { margin-left: 50px; }
  .step-shot .phone { max-width: 230px; margin: 16px auto; }
  .step-shot figcaption { font-size: 14.5px; padding: 12px 14px; }
  .toc-panel ol { columns: 1; }
  .btn { white-space: normal; }
}

/* Phones: tables become stacked cards (labels come from data-label added at build time) */
@media (max-width: 640px) {
  .table-wrap { overflow: visible; border: 0; box-shadow: none; background: none; border-radius: 0; }
  .table-wrap table, .table-wrap tbody, .table-wrap tr, .table-wrap td, .table-wrap caption { display: block; width: 100%; min-width: 0; }
  .table-wrap thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .table-wrap tbody tr, .table-wrap tbody tr:nth-child(even) { background: #fff; border: 1px solid var(--line); border-radius: 10px; margin: 0 0 12px; overflow: hidden; box-shadow: var(--shadow); }
  .table-wrap td { display: grid; grid-template-columns: minmax(0, 40%) minmax(0, 1fr); gap: 12px; padding: 10px 14px; border-bottom: 1px solid var(--line); font-size: 15px; line-height: 1.5; }
  .table-wrap td::before { content: attr(data-label); font-weight: 700; font-size: 13px; color: var(--muted); line-height: 1.5; }
  .table-wrap td:first-child { display: block; background: var(--green-50); color: var(--navy-900); font-weight: 800; font-size: 16px; padding: 12px 14px; }
  .table-wrap td:first-child::before { content: none; }
  .table-wrap td[data-label=""] { grid-template-columns: 1fr; }
  .table-wrap td[data-label=""]::before { content: none; }
  .table-wrap tr td:last-child { border-bottom: 0; }
  .table-wrap caption { padding: 2px 2px 0; }
}

/* Image logo */
.logo-img { display: block; height: 46px; width: auto; }
.logo-light .logo-img { height: 50px; }
@media (max-width: 699px) { .site-header .logo-img { height: 34px; } }
@media (max-width: 360px) { .site-header .logo-img { height: 29px; } }

/* Page hero with a tool beside the title (e.g. repayment calculator) */
.hero-split { display: grid; gap: 24px; align-items: center; }
@media (min-width: 980px) {
  .hero-split { grid-template-columns: minmax(0, 1fr) minmax(0, 560px); gap: 48px; }
  .page-hero.has-tool { padding: 34px 0 40px; }
}
.hero-tool .calc { margin: 0; background: #fff; color: var(--ink); border: 0; border-top: 5px solid #F2C14E; border-radius: 10px; padding: 22px 20px; box-shadow: 0 18px 50px rgba(0, 0, 0, .25); scroll-margin-top: calc(var(--header-h) + 20px); }
.hero-tool .widget-title { color: var(--navy-900); }
.hero-tool .calc-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
.hero-tool .calc-out { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.hero-tool .calc-out div { padding: 12px; }
.hero-tool .calc-out b { font-size: 20px; }
.hero-tool .calc-out span { font-size: 12.5px; }
.hero-tool .calc-note { font-size: 12.5px; }
@media (max-width: 479px) {
  .hero-tool .calc { padding: 18px 14px; }
  .hero-tool .calc-grid { grid-template-columns: 1fr; }
  .hero-tool .calc-out { grid-template-columns: 1fr 1fr; }
  .hero-tool .calc-out div:first-child { grid-column: 1 / -1; }
}

/* Keep standalone screenshots and the contact form at their natural size inside the full-width layout */
.doc .prose > .shot, .prose > .shot { max-width: 300px !important; margin: 28px auto !important; }
.prose > .contact-form { max-width: 560px !important; }

/* Official portal call-to-action: banner with trust points and a strong button */
.portal-cta { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; align-items: center; gap: 18px 20px; margin: 32px 0;
  padding: 22px 24px; text-align: left; background: linear-gradient(135deg, #006632 0%, #00502a 100%); color: #fff;
  border: 0; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 77, 38, .22); position: relative; overflow: hidden; }
.portal-cta::after { content: ""; position: absolute; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%; background: rgba(255, 255, 255, .06); pointer-events: none; }
.pc-icon { width: 52px; height: 52px; border-radius: 50%; background: rgba(255, 255, 255, .14); display: grid; place-items: center; flex: none; }
.pc-icon .i { width: 26px; height: 26px; color: #F2C14E; }
.pc-title { margin: 0 0 6px !important; font-size: 19px !important; font-weight: 800; line-height: 1.3; color: #fff; }
.portal-cta .portal-note { margin: 0 !important; display: flex; flex-wrap: wrap; gap: 4px 16px; justify-content: flex-start; font-size: 14px; color: #d4eadc; }
.portal-cta .portal-note span { display: inline-flex; align-items: center; gap: 6px; }
.portal-cta .portal-note span::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: #F2C14E; flex: none; }
.portal-cta .portal-note strong { color: #fff; }
.portal-cta .btn-portal { width: auto; max-width: none; position: relative; z-index: 1; white-space: nowrap; font-size: 16.5px; padding: 15px 24px;
  background: #fff; color: #006632 !important; border-radius: 8px; box-shadow: 0 3px 0 rgba(0, 0, 0, .22); }
.portal-cta .btn-portal .i { color: #006632; }
.portal-cta .btn-portal:hover { background: #F2C14E; color: #1b1300 !important; }
.portal-cta .btn-portal:hover .i { color: #1b1300; }
/* every portal button: lift and nudge the arrow on hover */
.btn-portal { transition: background .15s, transform .15s, box-shadow .15s; }
.btn-portal .i { transition: transform .15s; }
.btn-portal:hover { transform: translateY(-1px); }
.btn-portal:hover .i { transform: translate(2px, -2px); }
.btn-portal:active { transform: translateY(1px); }
.btn-portal:focus-visible { outline: 3px solid #F2C14E; outline-offset: 3px; }
@media (max-width: 860px) {
  .portal-cta { grid-template-columns: auto minmax(0, 1fr); padding: 20px 18px; }
  .portal-cta .btn-portal { grid-column: 1 / -1; width: 100%; white-space: normal; }
}
@media (max-width: 479px) {
  .pc-icon { width: 42px; height: 42px; }
  .pc-icon .i { width: 22px; height: 22px; }
  .pc-title { font-size: 17px !important; }
  .portal-cta .portal-note { font-size: 13.5px; }
}
@media (prefers-reduced-motion: reduce) { .btn-portal, .btn-portal .i { transition: none; } .btn-portal:hover, .btn-portal:hover .i { transform: none; } }
.portal-cta .portal-note span { display: inline-block; }
.portal-cta .portal-note span::before { display: inline-block; vertical-align: middle; margin: -2px 7px 0 0; }
@media (max-width: 860px) { .portal-cta { align-items: start; } }

/* Author photo */
.avatar-img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; flex: none; background: var(--bg-2); border: 2px solid var(--green-50); }
.about-author { display: flex; gap: 20px; align-items: center; margin: 0 0 18px; }
.about-author img { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; flex: none; border: 3px solid var(--green-50); }
.about-author p { margin: 0; }
@media (max-width: 479px) { .about-author { flex-direction: column; align-items: flex-start; } .about-author img { width: 96px; height: 96px; } }

/* Infographics */
.infographic { margin: 26px 0 30px; max-width: 980px !important; background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.infographic.info-tall { max-width: 560px !important; }
.infographic a { display: block; }
.infographic img { display: block; width: 100%; height: auto; }
.infographic figcaption { padding: 12px 16px; border-top: 1px solid var(--line); font-size: 15px; color: var(--ink-2); line-height: 1.5; text-align: left; }
@media (max-width: 699px) { .infographic { margin: 20px 0 24px; } .infographic figcaption { font-size: 14.5px; } }