:root {
  --primary: #951719;
  --primary-dark: #741113;
  --secondary: #263d72;
  --ink: #222831;
  --muted: #5f6875;
  --line: #e5e7eb;
  --soft: #f3f4f6;
  --white: #fff;
  --shadow: 0 18px 45px rgba(0, 0, 0, .18);
  font-family: Montserrat, Arial, Helvetica, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); line-height: 1.5; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }

.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, .96);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 5px 20px rgba(0, 0, 0, .05);
}

.nav {
  width: min(1600px, calc(100% - 32px));
  min-height: 78px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
}

.brand { flex: 0 0 auto; }
.brand img { width: 170px; height: auto; }
.nav-links {
  flex: 0 1 auto;
  margin-left: 28px;
  display: flex;
  align-items: center;
  gap: 18px;
  color: #2e3440;
  font-size: 14px;
  font-weight: 700;
}
.nav-links a { white-space: nowrap; }
.nav-links a:hover { color: var(--primary); }
.mobile-toggle { display: none; margin-left: auto; border: 0; background: var(--primary); color: #fff; border-radius: 8px; padding: 10px 12px; }

.lang-select {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 10px;
  background: #fff;
  font-weight: 700;
}

.btn {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 8px;
  padding: 0 18px;
  font-weight: 800;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover { transform: scale(1.04); }
.btn-primary { background: var(--primary); color: #fff; box-shadow: 0 10px 24px rgba(149, 23, 25, .24); }
.btn-secondary { background: var(--secondary); color: #fff; box-shadow: 0 10px 24px rgba(38, 61, 114, .22); }
.btn-light { background: #fff; color: var(--primary); }

.hero {
  position: relative;
  min-height: 64vh;
  display: grid;
  place-items: center;
  background: center / cover no-repeat;
  color: #fff;
  text-align: center;
  padding: 82px 20px 48px;
}
.hero.compact { min-height: 46vh; }
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, .50);
}
.hero-inner { position: relative; z-index: 1; width: min(1040px, 100%); }
.hero h1, .hero h2 {
  margin: 0 0 30px;
  font-size: clamp(28px, 5vw, 50px);
  line-height: 1.17;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: none;
}
.scroll-cue {
  position: absolute;
  left: 50%;
  bottom: 36px;
  z-index: 2;
  width: 35px;
  height: 64px;
  border: 4px solid #fff;
  border-radius: 28px;
  transform: translateX(-50%);
  display: none !important;
  justify-content: center;
  padding-top: 8px;
}
.scroll-cue span {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: #fff;
  animation: scrollDot 1.5s infinite;
}
@keyframes scrollDot { 0%,100% { transform: translateY(0); } 50% { transform: translateY(24px); } }

.section-wrap {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: 80px 0;
}
.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 72px;
}
.split img { border-radius: 24px; object-fit: cover; margin: 0 auto; }
.section-kicker { margin: 0 0 8px; color: var(--primary); font-weight: 800; text-align: center; text-transform: capitalize; }
.section-title {
  margin: 0 0 22px;
  color: var(--secondary);
  font-size: clamp(30px, 4vw, 46px);
  font-weight: 900;
  text-align: center;
}
.section-text { color: var(--muted); font-size: 16px; line-height: 1.8; margin: 0 0 14px; }
.big-text { max-width: 1000px; margin: 0 auto; text-align: center; color: var(--muted); font-size: 20px; line-height: 1.8; }

.contact-strip {
  background: var(--soft);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  padding: 42px 20px;
}
.contact-strip h2 { font-size: clamp(26px, 4vw, 38px); margin: 0; color: var(--ink); }
.contact-item { display: grid; gap: 10px; justify-items: center; font-weight: 800; font-size: 18px; }
.circle-icon {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #fff;
  color: var(--primary);
  box-shadow: 0 8px 22px rgba(0, 0, 0, .10);
}

.cta-band {
  background: linear-gradient(90deg, var(--secondary), #6b7280);
  color: #fff;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  text-align: center;
  margin-top: 36px;
}
.cta-band > * { padding: 34px 20px; display: grid; place-items: center; }
.cta-band strong { font-size: clamp(22px, 3vw, 32px); }
.cta-band span { font-size: 14px; display: block; font-weight: 500; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  margin-top: 34px;
}
.card {
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  padding: 26px;
  box-shadow: 0 10px 26px rgba(0, 0, 0, .08);
}
.card h3 { margin: 12px 0; color: var(--secondary); font-size: 22px; }
.card p { color: var(--muted); margin: 0; line-height: 1.7; }
.card-icon {
  width: 66px;
  height: 66px;
  border-radius: 50%;
  object-fit: cover;
}

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 16px;
  margin-top: 30px;
}
.step {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 20px 22px;
  box-shadow: 0 8px 22px rgba(0, 0, 0, .08);
  color: var(--secondary);
  font-size: 18px;
  line-height: 1.45;
  min-height: 158px;
  overflow-wrap: anywhere;
}
.step b { display: block; color: var(--primary); font-size: 30px; margin-bottom: 12px; line-height: 1; }

.faq-list {
  width: min(900px, 100%);
  margin: 34px auto 0;
  display: grid;
  gap: 10px;
}
details {
  border: 1px solid var(--primary);
  border-radius: 12px;
  background: #fff;
  padding: 0;
}
summary {
  cursor: pointer;
  padding: 18px 20px;
  font-weight: 800;
  color: var(--secondary);
}
details p { padding: 0 20px 18px; margin: 0; color: var(--muted); line-height: 1.7; }

.feed-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 24px;
}
.feed-card {
  border-left: 5px solid var(--primary);
  background: #fff;
  border-radius: 12px;
  padding: 18px;
  box-shadow: 0 8px 22px rgba(0, 0, 0, .08);
}
.feed-card small { color: var(--primary); font-weight: 800; }
.feed-card h3 { margin: 8px 0; color: var(--secondary); font-size: 18px; }

/* Employer Knowledge Center */
.employer-hero { min-height: 72vh; }
.employer-hero .hero-inner { max-width: 1050px; }
.employer-hero .hero-inner > p:not(.hero-eyebrow):not(.hero-note) { max-width: 820px; margin: -10px auto 24px; font-size: 19px; line-height: 1.7; }
.hero-eyebrow { margin: 0 0 12px; color: #fff; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.hero-actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }
.hero-note { display: inline-block; margin: 22px 0 0; padding: 9px 14px; border: 1px solid rgba(255,255,255,.45); border-radius: 999px; background: rgba(0,0,0,.3); font-size: 13px; font-weight: 700; }
.employer-topic-nav { position: sticky; top: 78px; z-index: 35; display: flex; justify-content: center; gap: 8px; padding: 12px 20px; overflow-x: auto; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 5px 15px rgba(0,0,0,.05); }
.employer-topic-nav a { flex: 0 0 auto; padding: 8px 13px; border-radius: 999px; color: var(--secondary); font-size: 13px; font-weight: 800; }
.employer-topic-nav a:hover { background: var(--soft); color: var(--primary); }
.employer-intro { padding-bottom: 64px; }
.employer-fact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 36px; }
.employer-fact-grid article { padding: 24px; border-top: 4px solid var(--primary); border-radius: 12px; background: #fff; box-shadow: 0 9px 24px rgba(0,0,0,.08); }
.employer-fact-grid strong { display: block; margin-bottom: 8px; color: var(--secondary); font-size: 21px; }
.employer-fact-grid span { color: var(--muted); font-size: 14px; line-height: 1.6; }
.employer-soft-section { background: var(--soft); }
.employer-two-col { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 42px; margin-top: 34px; }
.employer-two-col > div { padding: 28px; border-radius: 16px; background: #fff; box-shadow: 0 8px 22px rgba(0,0,0,.06); }
.employer-two-col h3 { margin: 0 0 18px; color: var(--secondary); font-size: 23px; }
.check-list,.caution-list { margin: 0; padding: 0; list-style: none; }
.check-list li,.caution-list li { position: relative; padding: 0 0 13px 30px; color: var(--muted); line-height: 1.6; }
.check-list li::before,.caution-list li::before { position: absolute; left: 0; top: 0; font-weight: 900; }
.check-list li::before { content: "✓"; color: #2e7d4f; }
.caution-list li::before { content: "!"; width: 19px; height: 19px; border-radius: 50%; color: #fff; background: var(--primary); text-align: center; font-size: 12px; line-height: 19px; }
.employer-callout { display: flex; gap: 14px; align-items: center; margin-top: 26px; padding: 20px 24px; border-left: 5px solid var(--primary); background: #fff; }
.employer-callout strong { color: var(--secondary); }
.employer-callout span { color: var(--muted); }
.employer-timeline { width: min(920px,100%); margin: 42px auto 0; padding: 0; list-style: none; }
.employer-timeline li { position: relative; display: grid; grid-template-columns: 58px 1fr; gap: 20px; padding-bottom: 30px; }
.employer-timeline li:not(:last-child)::after { content:""; position:absolute; left:28px; top:57px; bottom:2px; width:2px; background:var(--line); }
.employer-timeline b { position: relative; z-index: 1; display:grid; place-items:center; width:58px; height:58px; border-radius:50%; color:#fff; background:var(--primary); font-size:20px; }
.employer-timeline h3 { margin: 2px 0 6px; color: var(--secondary); font-size: 21px; }
.employer-timeline p { margin:0; color:var(--muted); line-height:1.7; }
.employer-dark-section { color:#fff; background:linear-gradient(135deg,var(--secondary),#17284f); }
.employer-dark-section .section-title { color:#fff; }
.employer-dark-section .section-kicker { color:#f4b7b8; }
.employer-dark-section .big-text { color:#e3e9f5; }
.role-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:14px; margin-top:36px; }
.role-grid article { padding:22px; border:1px solid rgba(255,255,255,.18); border-radius:14px; background:rgba(255,255,255,.07); }
.role-grid article:last-child { grid-column:auto; }
.role-grid h3 { margin:12px 0; font-size:18px; }
.role-grid p { margin:0; color:#dce4f3; font-size:14px; line-height:1.65; }
.role-label { color:#fff; font-size:11px; font-weight:900; letter-spacing:.1em; text-transform:uppercase; }
.legal-boundary { margin:26px 0 0; padding:18px 22px; border-radius:12px; background:rgba(0,0,0,.2); line-height:1.7; }
.employer-cost-cards { grid-template-columns:repeat(4,1fr); }
.employer-footnote { margin:26px auto 0; max-width:980px; color:var(--muted); text-align:center; font-size:13px; line-height:1.7; }
.timeline-copy p { color:var(--muted); line-height:1.8; }
.planning-box ul { margin:0; padding-left:20px; color:var(--muted); line-height:1.8; }
.center-actions { margin-top:26px; text-align:center; }
.responsibility-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin-top:36px; }
.responsibility-grid article { padding:24px; border:1px solid var(--line); border-radius:14px; }
.responsibility-grid b { color:var(--primary); font-size:27px; }
.responsibility-grid h3 { margin:8px 0; color:var(--secondary); }
.responsibility-grid p { margin:0; color:var(--muted); line-height:1.7; }
.trust-pledge { margin-top:28px; padding:30px; border-radius:16px; color:#fff; background:var(--primary); text-align:center; }
.trust-pledge h3 { margin:0 0 20px; font-size:23px; }
.trust-pledge div { display:flex; justify-content:center; gap:10px; flex-wrap:wrap; }
.trust-pledge span { padding:8px 12px; border:1px solid rgba(255,255,255,.45); border-radius:999px; font-size:12px; font-weight:700; }
.arrival-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin-top:36px; }
.arrival-grid article { padding:24px; border-top:4px solid #d36d70; border-radius:12px; background:rgba(255,255,255,.08); }
.arrival-grid h3 { margin:0 0 10px; }
.arrival-grid p { margin:0; color:#dce4f3; line-height:1.7; }
.faq-groups { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:30px; margin-top:40px; }
.faq-groups > div > h3 { margin:0 0 14px; color:var(--secondary); font-size:23px; }
.faq-groups details { margin-bottom:10px; }
.employer-next { display:grid; grid-template-columns:2fr 1fr; align-items:center; gap:40px; padding:60px max(32px,calc((100% - 1180px)/2)); color:#fff; background:linear-gradient(90deg,var(--primary),var(--primary-dark)); }
.employer-next .section-kicker { color:#fff; text-align:left; }
.employer-next h2 { margin:0 0 12px; font-size:clamp(28px,4vw,42px); }
.employer-next p { margin:0; max-width:760px; line-height:1.75; }
.employer-next-actions { display:grid; gap:14px; justify-items:center; }
.text-link-light { color:#fff; font-weight:800; text-decoration:underline; text-underline-offset:4px; }
.source-note { padding-top:48px; padding-bottom:48px; text-align:center; }
.source-note h2 { color:var(--secondary); }
.source-note p { max-width:960px; margin:0 auto 10px; color:var(--muted); line-height:1.75; }
.source-note a { color:var(--primary); font-weight:700; text-decoration:underline; }
.last-reviewed { font-size:12px; font-weight:700; }

@media (max-width: 980px) {
  .employer-fact-grid,.employer-cost-cards { grid-template-columns:repeat(2,1fr); }
  .role-grid { grid-template-columns:repeat(2,1fr); }
  .responsibility-grid { grid-template-columns:repeat(2,1fr); }
  .employer-next { grid-template-columns:1fr; text-align:center; }
  .employer-next .section-kicker { text-align:center; }
}
@media (max-width: 700px) {
  .employer-topic-nav { top:70px; justify-content:flex-start; }
  .employer-hero { min-height:74vh; }
  .employer-hero .hero-inner > p:not(.hero-eyebrow):not(.hero-note) { font-size:16px; }
  .employer-fact-grid,.employer-two-col,.employer-cost-cards,.role-grid,.responsibility-grid,.arrival-grid,.faq-groups { grid-template-columns:1fr; }
  .employer-callout { align-items:flex-start; flex-direction:column; }
  .employer-next { padding:48px 24px; }
}

.contact-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}
.form-panel {
  border-radius: 18px;
  border: 1px solid var(--line);
  padding: 26px;
  box-shadow: var(--shadow);
}
.form-panel label { display: grid; gap: 6px; font-weight: 800; color: var(--secondary); margin-bottom: 14px; }
.form-panel input, .form-panel textarea {
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px 12px;
}
.form-panel textarea { min-height: 120px; resize: vertical; }

.footer {
  background: #111827;
  color: #d1d5db;
  padding: 46px 0 22px;
  font-size: 14px;
}
.footer-grid {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 30px;
}
.footer h3 { color: #fff; margin: 0 0 10px; font-size: 16px; line-height: 1.25; letter-spacing: .03em; }
.footer a { display: block; margin: 6px 0; color: #d1d5db; font-size: 14px; line-height: 1.45; font-weight: 500; }
.footer a:hover { color: #fff; }
.copyright { width: min(1180px, calc(100% - 32px)); margin: 28px auto 0; border-top: 1px solid rgba(255,255,255,.16); padding-top: 16px; font-size: 12px; }

@media (max-width: 1380px) {
  .mobile-toggle { display: inline-flex; }
  .nav-links {
    position: absolute;
    left: 16px;
    right: 16px;
    top: 78px;
    margin: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 16px;
    box-shadow: var(--shadow);
  }
  .nav-links.open { display: flex; }
}

@media (max-width: 900px) {
  .split, .contact-panel, .footer-grid { grid-template-columns: 1fr; }
  .cards, .feed-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(2, minmax(220px, 1fr)); }
}

@media (max-width: 620px) {
  .brand img { width: 138px; }
  .hero { min-height: 64vh; padding-top: 70px; padding-bottom: 40px; }
  .scroll-cue { display: none !important; }
  .steps { grid-template-columns: 1fr; }
  .step { min-height: auto; }
  .cta-band { grid-template-columns: 1fr; }
}

.landing-hero::before { background: linear-gradient(90deg, rgba(0,0,0,.74), rgba(0,0,0,.52)); }
.landing-eyebrow {
  margin: 0 0 16px;
  color: #fff;
  font-weight: 900;
  letter-spacing: .18em;
  text-transform: uppercase;
}
.landing-hero-copy {
  width: min(880px, 100%);
  margin: -12px auto 28px;
  color: rgba(255,255,255,.92);
  font-size: clamp(17px, 2.2vw, 22px);
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
}
.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  padding: 34px 0 20px;
}
.trust-strip div {
  border: 1px solid var(--line);
  border-left: 5px solid var(--primary);
  border-radius: 14px;
  padding: 18px;
  box-shadow: 0 8px 22px rgba(0,0,0,.06);
}
.trust-strip strong {
  display: block;
  color: var(--secondary);
  font-size: 18px;
  margin-bottom: 5px;
}
.trust-strip span {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}
.updates-ribbon {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 18px;
  padding: 13px max(16px, calc((100% - 1180px) / 2));
  background: var(--secondary);
  border-bottom: 4px solid var(--primary);
  color: #fff;
  overflow: hidden;
}
.ribbon-label {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 7px 12px;
  border-radius: 6px;
  background: var(--primary);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
  white-space: nowrap;
}
.ticker-window {
  min-width: 0;
  overflow: hidden;
}
.ticker-track {
  display: flex;
  align-items: center;
  width: max-content;
  animation: tickerScroll 34s linear infinite;
}
.updates-ribbon:hover .ticker-track {
  animation-play-state: paused;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  white-space: nowrap;
  color: rgba(255,255,255,.92);
  font-size: 14px;
  font-weight: 700;
}
.ticker-source-wrap {
  position: relative;
  display: inline-flex;
  align-items: center;
}
.ticker-source-button {
  border: 0;
  background: transparent;
  cursor: pointer;
  font-family: inherit;
}
.ticker-source-button:hover,
.ticker-source-button:focus-visible {
  color: #fff;
  outline: none;
}
.ticker-source-button:focus-visible {
  text-decoration: underline;
  text-underline-offset: 4px;
}
.ticker-item strong {
  margin-right: 7px;
  color: #ffd4d6;
  font-weight: 900;
}
.ticker-floating-card {
  position: fixed;
  z-index: 9998;
  opacity: 0;
  pointer-events: none;
  transform: translateY(6px);
  transition: opacity .18s ease, transform .18s ease;
}
.ticker-floating-card.is-visible {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}
.ticker-card {
  position: relative;
  display: block;
  padding: 18px 18px 16px;
  border: 1px solid rgba(255,255,255,.34);
  border-left: 5px solid var(--primary);
  border-radius: 8px;
  background: rgba(255,255,255,.96);
  box-shadow: 0 24px 55px rgba(0,0,0,.24);
  color: var(--ink);
  text-align: left;
  white-space: normal;
  backdrop-filter: blur(8px);
}
.ticker-card::before {
  content: "";
  position: absolute;
  top: -7px;
  left: 22px;
  width: 14px;
  height: 14px;
  background: rgba(255,255,255,.96);
  border-left: 1px solid rgba(255,255,255,.34);
  border-top: 1px solid rgba(255,255,255,.34);
  transform: rotate(45deg);
}
.ticker-card-agency {
  display: inline-block;
  margin-bottom: 8px;
  color: var(--primary);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.ticker-card strong {
  display: block;
  margin: 0 0 8px;
  color: var(--secondary);
  font-size: 18px;
  line-height: 1.25;
}
.ticker-card span {
  display: block;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.55;
}
.ticker-card ul {
  margin: 12px 0 0;
  padding-left: 18px;
}
.ticker-card li {
  margin: 6px 0;
  color: var(--ink);
  font-size: 13px;
  line-height: 1.45;
}
.ticker-card a {
  display: inline-flex;
  margin-top: 12px;
  color: var(--primary);
  font-size: 13px;
  font-weight: 900;
  text-decoration: none;
}
.ticker-card a:hover {
  text-decoration: underline;
}
.ticker-dot {
  width: 6px;
  height: 6px;
  margin: 0 18px;
  border-radius: 50%;
  background: rgba(255,255,255,.42);
  flex: 0 0 auto;
}
.ribbon-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 34px;
  padding: 7px 13px;
  border: 1px solid rgba(255,255,255,.42);
  border-radius: 6px;
  color: #fff;
  font-size: 12px;
  font-weight: 900;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: .08em;
  white-space: nowrap;
}
.ribbon-cta:hover {
  background: #fff;
  color: var(--secondary);
}
.ticker-status-note {
  padding: 8px max(16px, calc((100% - 1180px) / 2));
  border-bottom: 1px solid var(--line);
  background: #f7f9fc;
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  text-align: center;
}
@keyframes tickerScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.guide-nav {
  position: sticky;
  top: 72px;
  z-index: 20;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  padding-top: 12px;
  padding-bottom: 12px;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 10px 24px rgba(15,23,42,.06);
}
.guide-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--secondary);
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  background: #fff;
}
.guide-nav a:hover {
  border-color: var(--primary);
  color: var(--primary);
}
.article-copy {
  width: min(930px, 100%);
  margin: 28px auto 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.85;
}
.article-copy p { margin: 0 0 18px; }
.article-copy strong { color: var(--secondary); }

.costs-page .section-wrap {
  padding-top: 54px;
  padding-bottom: 54px;
}
.costs-hero {
  position: relative;
  overflow: hidden;
  background-image: linear-gradient(90deg, rgba(17,24,39,.82), rgba(17,24,39,.62)), url('/assets/costs-budgeting-hero.jpg');
  background-size: cover;
  background-position: center;
  color: #fff;
}
.costs-hero .section-kicker,
.costs-hero h1,
.costs-hero p { color: #fff; }
.costs-hero .section-wrap {
  width: min(1040px, calc(100% - 32px));
  padding-top: 58px;
  padding-bottom: 28px;
  text-align: left;
}
.costs-hero h1 {
  max-width: 820px;
  margin-left: 0;
  margin-right: 0;
  font-size: clamp(24px, 2.4vw, 34px);
  line-height: 1.12;
}
.costs-hero .section-kicker {
  text-align: left;
  font-size: clamp(28px, 3.2vw, 42px);
  line-height: 1.08;
  margin-bottom: 16px;
  text-transform: none;
}
.costs-hero p:not(.section-kicker) {
  max-width: 900px;
  margin-left: 0;
  margin-right: 0;
}
.costs-fee-section {
  padding-top: 18px;
}
.costs-fee-layout {
  display: grid;
  grid-template-columns: minmax(260px, 330px) minmax(0, 1fr);
  gap: 44px;
  align-items: start;
  width: min(1040px, 100%);
  margin: 0 auto 34px;
}
.costs-fee-layout .section-title {
  text-align: left;
  margin-bottom: 14px;
  font-size: clamp(34px, 4.2vw, 54px);
  line-height: 1.05;
}
.costs-fee-layout .article-copy {
  margin: 0;
  width: 100%;
}
.cost-summary-card {
  background: linear-gradient(145deg, var(--secondary), #15264d);
  color: #fff;
  border-radius: 8px;
  padding: 30px;
  box-shadow: 0 18px 45px rgba(38, 61, 114, .18);
  border-left: 6px solid var(--primary);
}
.cost-summary-card .summary-label {
  margin: 0 0 14px;
  color: rgba(255,255,255,.78);
  font-weight: 800;
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: .08em;
}
.cost-summary-card strong {
  display: block;
  color: #fff;
  font-size: clamp(42px, 5vw, 62px);
  line-height: 1;
  margin-bottom: 12px;
}
.cost-summary-card span {
  display: block;
  font-weight: 800;
  font-size: 18px;
  line-height: 1.35;
}
.cost-summary-card p:last-child {
  margin: 18px 0 0;
  color: rgba(255,255,255,.82);
}
.cost-table-wrap {
  width: min(1040px, 100%);
  margin: 0 auto;
  background: #fff;
  border: 1px solid rgba(38, 61, 114, .16);
  border-radius: 8px;
  box-shadow: 0 18px 45px rgba(20, 31, 57, .08);
  overflow: hidden;
}
.cost-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
}
.cost-table thead {
  background: #f3f6fb;
  color: var(--secondary);
}
.cost-table th {
  padding: 16px 18px;
  text-align: left;
  font-weight: 800;
  border-bottom: 1px solid rgba(38, 61, 114, .14);
}
.cost-table td {
  padding: 18px;
  vertical-align: top;
  border-bottom: 1px solid rgba(38, 61, 114, .1);
  color: var(--muted);
}
.cost-table tbody tr:last-child td {
  border-bottom: 0;
}
.cost-table td:nth-child(2) strong {
  color: var(--secondary);
  font-size: 16px;
}
.payment-badge {
  display: inline-grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 999px;
  background: var(--primary);
  color: #fff;
  font-weight: 800;
}

@media (max-width: 900px) {
  .costs-fee-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  .cost-table-wrap {
    overflow-x: auto;
  }
  .cost-table {
    min-width: 760px;
  }
}
.center-text {
  max-width: 850px;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.support-links .cards {
  margin-top: 30px;
}
.support-links .card {
  border-top: 4px solid var(--primary);
}
.support-page {
  padding-bottom: 70px;
}
.updates-hero .hero-inner {
  max-width: 920px;
}
.updates-intro {
  padding-bottom: 34px;
}
.last-reviewed {
  width: fit-content;
  margin: 24px auto 0;
  padding: 10px 14px;
  border: 1px solid rgba(149,23,25,.2);
  border-radius: 8px;
  background: #fffafa;
  color: var(--secondary);
  font-size: 13px;
  font-weight: 800;
}
.updates-source-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  padding-top: 10px;
}
.source-card {
  display: flex;
  flex-direction: column;
  min-height: 330px;
  padding: 24px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--primary);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 14px 30px rgba(15,23,42,.07);
}
.source-agency {
  width: fit-content;
  margin: 0 0 16px;
  padding: 6px 10px;
  border-radius: 6px;
  background: var(--secondary);
  color: #fff;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.source-card h3 {
  margin: 0 0 12px;
  color: var(--secondary);
  font-size: 20px;
  line-height: 1.25;
}
.source-card p {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.7;
}
.source-card a {
  display: inline-flex;
  align-items: center;
  margin-top: 9px;
  color: var(--primary);
  font-size: 14px;
  font-weight: 900;
  text-decoration: none;
}
.source-card a:hover {
  text-decoration: underline;
}
.updates-feed-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 34px;
}
.updates-feed-grid article {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}
.updates-feed-grid h3 {
  margin: 0 0 10px;
  color: var(--secondary);
}
.updates-feed-grid p {
  margin: 0;
  color: var(--muted);
  line-height: 1.75;
}
.agency-note {
  text-align: center;
}
.center-actions {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 30px;
}
.text-link {
  display: inline-flex;
  margin-top: 18px;
  color: var(--primary);
  font-weight: 900;
  text-decoration: none;
}
.text-link:hover {
  text-decoration: underline;
}
.landing-feature .section-title,
.landing-feature .section-kicker { text-align: left; }
.landing-feature img { width: 100%; max-height: 440px; }
.muted-panel {
  background: var(--soft);
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}
.outcome-panel {
  width: 100%;
  max-width: none;
  background: linear-gradient(90deg, var(--secondary), #374151);
  color: #fff;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}
.outcome-grid {
  display: grid;
  grid-template-columns: .9fr 1.2fr;
  gap: 60px;
  align-items: start;
}
.outcome-panel .section-kicker,
.outcome-panel .section-title {
  color: #fff;
  text-align: left;
}
.outcome-panel .article-copy {
  margin: 0;
  color: rgba(255,255,255,.88);
}
.outcome-panel .article-copy strong { color: #fff; }
.promise-grid {
  padding-top: 92px;
}
.question-grid,
.checklist-grid,
.warning-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  margin-top: 34px;
}
.question-grid article,
.checklist-grid article,
.warning-grid article {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  padding: 22px;
  box-shadow: 0 10px 24px rgba(15,23,42,.05);
}
.question-grid h3,
.checklist-grid h3,
.warning-grid h3 {
  margin: 0 0 10px;
  color: var(--secondary);
  font-size: 18px;
}
.question-grid p,
.checklist-grid p,
.warning-grid p {
  margin: 0;
  color: var(--muted);
  line-height: 1.7;
  font-size: 15px;
}
.checklist-grid article {
  border-top: 4px solid var(--secondary);
}
.alert-panel {
  background: #fffafa;
  border-top: 1px solid rgba(149,23,25,.18);
  border-bottom: 1px solid rgba(149,23,25,.18);
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}
.warning-grid article {
  border-color: rgba(149,23,25,.28);
  border-left: 5px solid var(--primary);
}
.landing-steps .step {
  border-top: 4px solid var(--primary);
  min-height: 148px;
}
.timeline-band { margin-top: 0; }
.timeline-band span {
  font-size: clamp(18px, 2.4vw, 28px);
  font-weight: 800;
}
.boundary-cards .card:nth-child(2) {
  border-color: rgba(149,23,25,.45);
  background: #fffafa;
}
.final-landing-cta {
  justify-content: center;
  text-align: center;
}
.footer-disclaimer {
  color: #f3f4f6;
  font-size: 13px;
  line-height: 1.6;
  max-width: 320px;
}
.expanded-faq {
  width: min(1040px, 100%);
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: start;
}
.expanded-faq details {
  border-color: rgba(149,23,25,.35);
}
.expanded-faq summary {
  font-size: 15px;
  line-height: 1.45;
}

@media (max-width: 900px) {
  .updates-ribbon {
    grid-template-columns: 1fr;
    gap: 10px;
    padding-top: 14px;
    padding-bottom: 14px;
  }
  .ribbon-label,
  .ribbon-cta {
    width: fit-content;
  }
  .updates-source-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .updates-feed-grid { grid-template-columns: 1fr; }
  .trust-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .guide-nav {
    position: static;
    padding-left: 16px;
    padding-right: 16px;
  }
  .outcome-grid { grid-template-columns: 1fr; gap: 24px; }
  .question-grid,
  .checklist-grid,
  .warning-grid,
  .expanded-faq { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .landing-feature .section-title,
  .landing-feature .section-kicker,
  .outcome-panel .section-title,
  .outcome-panel .section-kicker { text-align: center; }
  .outcome-panel .article-copy { margin: 0 auto; }
}

@media (max-width: 620px) {
  .ticker-item { font-size: 13px; }
  .ticker-dot { margin: 0 12px; }
  .updates-source-grid { grid-template-columns: 1fr; }
  .source-card { min-height: 0; }
  .trust-strip { grid-template-columns: 1fr; }
  .article-copy { font-size: 16px; }
  .guide-nav { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; }
  .guide-nav a { flex: 0 0 auto; }
  .question-grid,
  .checklist-grid,
  .warning-grid,
  .expanded-faq { grid-template-columns: 1fr; }
}

.breadcrumb {
  max-width: 1180px;
  margin: 18px auto 0;
  padding: 0 20px;
  color: #5f6875;
  font-size: 14px;
}

.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.breadcrumb li + li::before {
  content: "/";
  color: #9aa3af;
  margin-right: 8px;
}

.breadcrumb a {
  color: #263d72;
  font-weight: 700;
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.seo-support-links {
  padding-top: 56px;
}