:root {
  --md-blue: #2d6cdf;
  --md-blue-dark: #1a4fad;
  --md-blue-light: #eef4ff;
  --md-blue-mid: #b8d0f8;
  --md-navy: #0d1b4c;
  --md-yellow: #ffc107;
  --md-yellow-dark: #e6ac00;
  --md-gray-50: #f8fafc;
  --md-gray-100: #f1f5f9;
  --md-gray-200: #e2e8f0;
  --md-gray-400: #94a3b8;
  --md-gray-600: #6b7280;
  --md-gray-800: #1e293b;
  --md-text: #111827;
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-card: 0 2px 12px rgba(0, 0, 0, .07);
  --shadow-card-lg: 0 8px 28px rgba(0, 0, 0, .09);
  --shadow-blue: 0 4px 20px rgba(45, 108, 223, .18);
  --t: 0.18s ease;
}

* {
  font-family: 'Roboto', sans-serif;
}

a {
  text-decoration: none !important;
  color: inherit;
}

body {
  color: var(--md-text);
  overflow-x: hidden;
  background: #fff;
}



/* ── ARTICLE LAYOUT ── */
.article-wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 24px;
}

.full-wrap {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── ARTICLE HEADER ── */
.article-header {
  padding: 56px 0 0;
  background: #fff;
}

.article-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  padding: 4px 14px;
  border-radius: 999px;
  background: var(--md-blue-light);
  color: var(--md-yellow-dark);
  margin-bottom: 20px;
}

.article-h1 {
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 800;
  color: var(--md-navy);
  line-height: 1.1;
  margin-bottom: 18px;
}

.article-lede {
  font-size: 16px;
  color: var(--md-gray-600);
  line-height: 1.65;
  margin-bottom: 28px;
  font-weight: 400;
  max-width: 680px;
}

.article-meta {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  padding: 16px 0;
  border-top: 1px solid var(--md-gray-200);
  border-bottom: 1px solid var(--md-gray-200);
  margin-bottom: 40px;
}

.meta-item {
  font-size: 12.5px;
  color: var(--md-gray-400);
  display: flex;
  align-items: center;
  gap: 5px;
}

.meta-item i {
  color: var(--md-blue);
}

/* ── SECTION LABELS — SPEC COMPLIANT ── */
.section-label-pill {
  display: inline-block;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  padding: 4px 14px;
  border-radius: 999px;
  background: var(--md-blue-light);
  color: var(--md-yellow-dark);
  margin-bottom: 12px;
}

.section-part {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-gray-400);
  margin-bottom: 4px;
  display: block;
}

/* ── HEADINGS — SPEC COMPLIANT ── */
.article-h1 {
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 800;
  color: var(--md-navy);
  line-height: 1.1;
  margin-bottom: 18px;
}

h2.guide-h2 {
  font-size: clamp(24px, 3.2vw, 38px);
  font-weight: 800;
  color: var(--md-navy);
  line-height: 1.18;
  margin-bottom: 16px;
}

/* ── BODY TEXT — SPEC COMPLIANT ── */
p.guide-p {
  font-size: 15px;
  color: var(--md-gray-600);
  line-height: 1.75;
  margin-bottom: 18px;
}

p.guide-p strong {
  color: var(--md-navy);
  font-weight: 700;
}

p.guide-p a {
  color: var(--md-blue);
  font-weight: 600;
  border-bottom: 1px solid var(--md-blue-mid);
  transition: var(--t);
}

p.guide-p a:hover {
  border-bottom-color: var(--md-blue);
  color: var(--md-blue-dark);
}

/* ── PULL QUOTE ── */
.pull-quote {
  border-left: 3px solid var(--md-yellow);
  padding: 18px 24px;
  margin: 32px 0;
  background: var(--md-gray-50);
}

.pull-quote p {
  font-size: 16px;
  font-weight: 500;
  font-style: italic;
  color: var(--md-navy);
  line-height: 1.65;
  margin: 0;
}

/* ── INLINE RESOURCE LINK — woven into prose ── */
.inline-guide-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--md-blue);
  font-weight: 600;
  font-size: 14px;
  border-bottom: 1px solid var(--md-blue-mid);
  transition: var(--t);
  padding-bottom: 1px;
}

.inline-guide-link:hover {
  color: var(--md-blue-dark);
  border-bottom-color: var(--md-blue);
}

.inline-guide-link i {
  font-size: 12px;
}

/* ── SECTION DIVIDER ── */
.article-section {
  padding: 40px 0;
  border-top: 1px solid var(--md-gray-200);
}

.article-section:first-of-type {
  border-top: none;
  padding-top: 0;
}

/* ── JOURNEY MAP ── */
.journey-map-wrap {
  background: var(--md-gray-50);
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 48px;
  box-shadow: var(--shadow-card);
}

.journey-map-label {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-blue);
  margin-bottom: 18px;
}

.journey-map {
  display: flex;
  align-items: flex-start;
  overflow-x: auto;
  padding-bottom: 6px;
}

.journey-map::-webkit-scrollbar {
  height: 3px;
}

.journey-map::-webkit-scrollbar-thumb {
  background: var(--md-blue-mid);
  border-radius: 999px;
}

.jmap-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  min-width: 76px;
  cursor: pointer;
}

.jmap-connector {
  display: flex;
  align-items: center;
  padding-top: 16px;
  flex-shrink: 0;
}

.jmap-arrow {
  color: var(--md-gray-200);
  font-size: 16px;
}

.jmap-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--md-gray-200);
  color: var(--md-gray-400);
  font-weight: 800;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 8px;
  transition: var(--t);
  box-shadow: var(--shadow-card);
}

.jmap-item:hover .jmap-circle,
.jmap-item.active .jmap-circle {
  background: var(--md-blue);
  border-color: var(--md-blue);
  color: #fff;
  box-shadow: var(--shadow-blue);
}

.jmap-name {
  font-size: 10px;
  font-weight: 700;
  color: var(--md-gray-400);
  text-align: center;
  line-height: 1.3;
  max-width: 64px;
  transition: var(--t);
}

.jmap-item:hover .jmap-name,
.jmap-item.active .jmap-name {
  color: var(--md-navy);
}

.journey-hint {
  font-size: 11.5px;
  color: var(--md-gray-400);
  margin-top: 12px;
  display: flex;
  align-items: center;
  gap: 5px;
}

/* ── CIBIL CALLOUT ── */
.cibil-callout {
  background: var(--md-blue-light);
  border: 1.5px solid var(--md-blue-mid);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
  margin: 24px 0;
}

.cibil-callout-head {
  font-size: 14px;
  font-weight: 700;
  color: var(--md-navy);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.cibil-scores {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 12px;
}

.cibil-score {
  padding: 5px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
}

.cs-green {
  background: #dcfce7;
  color: #16a34a;
}

.cs-yellow {
  background: #fef9c3;
  color: #854d0e;
}

.cs-red {
  background: #fee2e2;
  color: #dc2626;
}

/* ── DOC LIST ── */
.doc-list {
  list-style: none;
  padding: 0;
  margin: 20px 0;
}

.doc-list li {
  padding: 16px 0;
  border-bottom: 1px solid var(--md-gray-200);
  font-size: 15px;
  color: var(--md-gray-600);
  line-height: 1.75;
}

.doc-list li:last-child {
  border-bottom: none;
}

.doc-list li strong {
  color: var(--md-navy);
  display: block;
  margin-bottom: 4px;
  font-size: 14.5px;
}

/* ── TOOLS STRIP ── */
.tools-strip {
  background: var(--md-gray-50);
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  margin: 24px 0;
}

.tools-label {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-blue);
  margin-bottom: 14px;
}

.tool-row {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--md-gray-200);
  font-size: 14px;
}

.tool-row:last-child {
  border-bottom: none;
}

.tool-row i {
  color: var(--md-blue);
  font-size: 16px;
  flex-shrink: 0;
  width: 20px;
}

.tool-row a {
  color: var(--md-blue);
  font-weight: 600;
  border-bottom: 1px solid var(--md-blue-mid);
}

.tool-row a:hover {
  color: var(--md-blue-dark);
  border-bottom-color: var(--md-blue);
}

.tool-desc {
  color: var(--md-gray-600);
  font-size: 13px;
}

/* ── DOWNLOAD STRIP ── */
.download-strip {
  background: var(--md-navy);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin: 24px 0;
}

.dl-icon {
  font-size: 32px;
  flex-shrink: 0;
}

.dl-text {
  flex: 1;
  min-width: 200px;
}

.dl-title {
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 4px;
}

.dl-sub {
  font-size: 13px;
  color: rgba(255, 255, 255, .65);
}

/* ── PROCESS TABLE ── */
.process-table-wrap {
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin: 24px 0;
  box-shadow: var(--shadow-card);
}

.process-table {
  width: 100%;
  border-collapse: collapse;
}

.process-table thead tr {
  background: var(--md-navy);
}

.process-table th {
  padding: 12px 16px;
  text-align: left;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: rgba(255, 255, 255, .8);
}

.process-table td {
  padding: 13px 16px;
  font-size: 13.5px;
  color: var(--md-gray-600);
  border-bottom: 1px solid var(--md-gray-200);
}

.process-table tr:last-child td {
  border-bottom: none;
}

.process-table tr:hover td {
  background: var(--md-blue-light);
}

.process-table td:first-child {
  font-weight: 700;
  color: var(--md-navy);
}

/* ── MD MENTION ── */
.md-mention {
  border-left: 3px solid var(--md-blue);
  padding: 16px 20px;
  background: var(--md-blue-light);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 24px 0;
  font-size: 14.5px;
  color: var(--md-gray-800);
  line-height: 1.7;
}

.md-mention strong {
  color: var(--md-navy);
}

.md-mention a {
  color: var(--md-blue);
  font-weight: 600;
  border-bottom: 1px solid var(--md-blue-mid);
}

.md-mention a:hover {
  border-bottom-color: var(--md-blue);
}

/* ── MISTAKE LIST ── */
.mistake-list {
  list-style: none;
  padding: 0;
  margin: 20px 0;
}

.mistake-list li {
  padding: 16px 0 16px 22px;
  border-bottom: 1px solid var(--md-gray-200);
  font-size: 15px;
  color: var(--md-gray-600);
  line-height: 1.75;
  position: relative;
}

.mistake-list li:last-child {
  border-bottom: none;
}

.mistake-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 26px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #e84b4b;
}

.mistake-list li strong {
  color: var(--md-navy);
  display: block;
  margin-bottom: 4px;
  font-size: 14.5px;
}

/* ── FAQ ── */
.faq-item {
  border-bottom: 1px solid var(--md-gray-200);
}

.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  cursor: pointer;
  font-size: 14px;
  font-weight: 600;
  color: var(--md-navy);
  transition: var(--t);
}

.faq-q:hover {
  color: var(--md-blue);
}

.faq-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--md-gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 300;
  color: var(--md-navy);
  transition: .3s ease;
  flex-shrink: 0;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--md-blue-dark);
  color: #fff;
}

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .3s ease;
  font-size: 13.5px;
  color: var(--md-gray-600);
  line-height: 1.7;
}

.faq-item.open .faq-a {
  max-height: 220px;
  padding-bottom: 16px;
}

/* ── RELATED LINKS ── */
.related-link {
  display: flex;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--md-gray-200);
  align-items: center;
  color: inherit;
  transition: var(--t);
}

.related-link:last-of-type {
  border-bottom: none;
}

.related-link:hover .related-link-title {
  color: var(--md-blue);
}

.related-link-tag {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--md-blue);
  margin-bottom: 3px;
}

.related-link-title {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--md-navy);
  transition: var(--t);
}

.related-link-arrow {
  color: var(--md-gray-400);
  margin-left: auto;
  flex-shrink: 0;
}

/* ── NEXT STEPS ── */
.next-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin: 24px 0;
}

.next-step {
  background: #fff;
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  padding: 22px;
  transition: var(--t);
}

.next-step:hover {
  border-color: var(--md-blue-mid);
  box-shadow: var(--shadow-card-lg);
}

.next-step-tag {
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-blue);
  margin-bottom: 8px;
  display: block;
}

.next-step-title {
  font-size: 14.5px;
  font-weight: 700;
  color: var(--md-navy);
  margin-bottom: 8px;
}

.next-step-body {
  font-size: 13.5px;
  color: var(--md-gray-600);
  margin-bottom: 16px;
  line-height: 1.65;
}

/* ── BUTTONS ── */
.btn-primary-md {
  background: var(--md-blue);
  color: #fff;
  font-size: 14px;
  font-weight: 600;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: .25s ease;
  box-shadow: 0 4px 12px rgba(45, 108, 223, .14);
}

.btn-primary-md:hover {
  background: var(--md-blue-dark);
  color: #fff;
  transform: translateY(-1px);
}

.btn-primary-md i,
.btn-cta-primary i {
  transition: transform .25s ease;
}

.btn-primary-md:hover i,
.btn-cta-primary:hover i {
  transform: translateX(3px);
}

.btn-outline-sm {
  background: transparent;
  color: var(--md-navy);
  font-size: 13.5px;
  font-weight: 600;
  padding: 10px 18px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--md-gray-200);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: .25s ease;
}

.btn-outline-sm:hover {
  border-color: var(--md-blue);
  color: var(--md-blue);
  background: var(--md-blue-light);
}

.btn-cta-primary {
  background: var(--md-yellow);
  color: var(--md-navy);
  font-size: 14px;
  font-weight: 700;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: .25s ease;
  box-shadow: 0 4px 14px rgba(255, 193, 7, .3);
}

.btn-cta-primary:hover {
  background: var(--md-yellow-dark);
  color: var(--md-navy);
  transform: translateY(-1px);
}

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--md-navy) 0%, #1a2f6e 100%);
  padding: 72px 0;
}

.cta-banner h2 {
  font-size: clamp(24px, 3.2vw, 38px);
  font-weight: 800;
  color: #fff;
  line-height: 1.18;
  margin-bottom: 14px;
}

.cta-banner p {
  font-size: 15.5px;
  color: rgba(255, 255, 255, .72);
  line-height: 1.65;
  margin-bottom: 28px;
  max-width: 520px;
}

/* ── PAGE LAYOUT (sidebar + article) ── */
.page-layout {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  gap: 0 48px;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
  align-items: start;
}

/* ── TOC SIDEBAR ── */
.toc-col {
  position: sticky;
  top: 88px;
  max-height: calc(100vh - 100px);
  overflow-y: auto;
  scrollbar-width: none;
}

.toc-col::-webkit-scrollbar {
  display: none;
}

.sticky-toc {
  background: #fff;
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-md);
  padding: 18px 16px;
}

.toc-head {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .9px;
  color: var(--md-blue);
  margin-bottom: 12px;
  padding-bottom: 10px;
  border-bottom: 1.5px solid var(--md-gray-200);
}

.toc-nav {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.toc-link {
  display: block;
  font-size: 12.5px;
  font-weight: 500;
  color: var(--md-gray-600);
  padding: 5px 8px;
  border-radius: 6px;
  transition: var(--t);
  border-left: 2px solid transparent;
}

.toc-link:hover {
  color: var(--md-blue);
  background: var(--md-blue-light);
}

.toc-link.active {
  color: var(--md-blue);
  font-weight: 700;
  background: var(--md-blue-light);
  border-left-color: var(--md-blue);
}

/* ── ARTICLE COLUMN ── */
.article-col {
  min-width: 0;
  max-width: 720px;
}

/* ── MOBILE TOC ── */
.mobile-toc {
  display: none;
  background: #fff;
  border-top: 1px solid var(--md-gray-200);
  border-bottom: 1px solid var(--md-gray-200);
  margin-bottom: 24px;
}

.mobile-toc-toggle {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 13px 24px;
  background: none;
  border: none;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--md-navy);
  cursor: pointer;
}

.mobile-toc-toggle .chevron {
  transition: transform .25s ease;
  font-size: 12px;
  color: var(--md-gray-400);
}

.mobile-toc-toggle.open .chevron {
  transform: rotate(180deg);
}

.mobile-toc-body {
  display: none;
  flex-direction: column;
  padding: 4px 16px 12px;
  gap: 2px;
}

.mobile-toc-body.open {
  display: flex;
}

.mobile-toc-link {
  font-size: 13px;
  font-weight: 500;
  color: var(--md-gray-600);
  padding: 7px 8px;
  border-radius: 6px;
  transition: var(--t);
}

.mobile-toc-link:hover {
  color: var(--md-blue);
  background: var(--md-blue-light);
}

/* ── JOURNEY MAP: mobile only ── */
.journey-map-mobile-only {
  display: none;
}

/* ── ANIMATIONS ── */
[data-animate] {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity .5s ease, transform .5s ease;
  will-change: opacity, transform;
}

[data-animate].animated {
  opacity: 1;
  transform: translateY(0);
  will-change: auto;
}

[data-delay="100"] {
  transition-delay: .1s;
}

[data-delay="200"] {
  transition-delay: .2s;
}

/* ── RESPONSIVE ── */
@media(max-width:900px) {
  .page-layout {
    grid-template-columns: 1fr;
    padding: 0 16px;
  }

  .toc-col {
    display: none;
  }

  .article-col {
    max-width: 100%;
  }

  .mobile-toc {
    display: block;
  }

  .journey-map-mobile-only {
    display: block;
  }
}

@media(max-width:768px) {

  .article-wrap,
  .full-wrap {
    padding: 0 16px;
  }

  .next-steps {
    grid-template-columns: 1fr;
  }

  .btn-cta-primary,
  .btn-primary-md,
  .btn-outline-sm {
    width: 100%;
    justify-content: center;
  }

  .download-strip {
    flex-direction: column;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media(max-width:520px) {
  .article-h1 {
    font-size: 26px;
  }

  h2.guide-h2 {
    font-size: 22px;
  }
}

/* ═══════════════════════════════════════════════════════════════
   ADDITIONS — icons, mobile TOC, process cards, CTA+FAQ band
═══════════════════════════════════════════════════════════════ */

/* ── BREADCRUMB ── */
.breadcrumb-bar {
  background: #fff;
  border-bottom: 1px solid rgba(13, 27, 76, .06);
  height: 64px;
  display: flex;
  align-items: center;
  position: relative;
  z-index: 2;
}

.breadcrumb-bar .container,
.breadcrumb-bar .container-lg {
  display: flex;
  align-items: center;
  height: 100%;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 0 !important;
  padding: 0 !important;
  background: transparent !important;
  font-family: 'Roboto', sans-serif;
  font-size: 14px !important;
  font-weight: 500;
  line-height: normal;
}

.breadcrumb a {
  color: #7f8aa3;
  transition: color .2s ease;
}

.breadcrumb a:hover {
  color: var(--md-blue);
}

.bc-sep {
  color: #c5cede;
  font-size: 11px;
  display: flex;
  align-items: center;
}

.bc-current {
  color: var(--md-blue);
  font-weight: 700;
}

@media (max-width:768px) {
  .breadcrumb-bar {
    height: 54px;
  }

  .breadcrumb {
    font-size: 12.5px;
    gap: 7px;
  }
}

/* ── META ITEM SVG alignment ── */
.meta-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.meta-item svg {
  flex-shrink: 0;
}

/* ── MOBILE TOC — hidden per design spec ── */
.mobile-toc {
  display: none !important;
}

/* ── FAQ — SVG icon, button reset ── */
.faq-q {
  background: none;
  border: none;
  width: 100%;
  text-align: left;
  cursor: pointer;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--md-gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--md-gray-600);
  transition: transform .3s ease, background .3s ease, color .3s ease;
  flex-shrink: 0;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--md-blue-dark);
  color: #fff;
}

.faq-item.open .faq-q {
  color: var(--md-blue-dark);
}

/* ── PROCESS STAGE CARDS (replaces overflowing table) ── */
.process-stage-cards {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 24px 0;
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}

.psc-item {
  padding: 16px 20px;
  border-bottom: 1px solid var(--md-gray-200);
  background: #fff;
  transition: background var(--t);
}

.psc-item:last-child {
  border-bottom: none;
}

.psc-item:hover {
  background: var(--md-blue-light);
}

.psc-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 6px;
  flex-wrap: wrap;
}

.psc-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--md-blue);
  color: #fff;
  font-size: 11px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.psc-stage {
  font-size: 14px;
  font-weight: 700;
  color: var(--md-navy);
}

.psc-duration {
  font-size: 11px;
  font-weight: 700;
  color: var(--md-blue);
  background: var(--md-blue-light);
  padding: 2px 8px;
  border-radius: 999px;
  margin-left: auto;
  white-space: nowrap;
}

.psc-who {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--md-gray-400);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 5px;
}

.psc-body {
  font-size: 13.5px;
  color: var(--md-gray-600);
  line-height: 1.7;
  margin: 0;
}

/* ── CTA + FAQ UNIFIED BAND ── */
.cta-faq-band {
  background: var(--md-blue-dark);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}

.cta-faq-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 600px 400px at 100% 0%, rgba(255, 193, 7, .07) 0%, transparent 60%), radial-gradient(ellipse 400px 300px at 0% 100%, rgba(45, 108, 223, .18) 0%, transparent 60%);
  pointer-events: none;
}

.cfb-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}

.cfb-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.cfb-cta-block {
  color: #fff;
}

.cfb-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--md-yellow);
  background: rgba(255, 193, 7, .12);
  border: 1px solid rgba(255, 193, 7, .3);
  padding: 4px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.cfb-h2 {
  font-size: clamp(22px, 2.8vw, 34px);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -.02em;
  margin-bottom: 14px;
}

.cfb-sub {
  font-size: 14.5px;
  color: rgba(255, 255, 255, .72);
  line-height: 1.7;
  margin-bottom: 26px;
}

.cfb-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 28px;
}

.cfb-step {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13.5px;
  color: rgba(255, 255, 255, .88);
  font-weight: 500;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .07);
}

.cfb-step:last-child {
  border-bottom: none;
}

.cfb-step-num {
  width: 26px;
  height: 26px;
  background: var(--md-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}

.cfb-step-arrow {
  font-size: 13px;
  color: rgba(255, 255, 255, .3);
  padding: 2px 0 2px 38px;
}

.cfb-btns {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cfb-btn-primary {
  background: var(--md-yellow);
  color: var(--md-navy);
  font-size: 14.5px;
  font-weight: 700;
  padding: 14px 26px;
  border-radius: var(--radius-sm);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  transition: .25s ease;
  box-shadow: 0 4px 16px rgba(255, 193, 7, .35);
  white-space: nowrap;
  border: none;
  width: 100%;
  cursor: pointer;
}

.cfb-btn-primary:hover {
  background: var(--md-yellow-dark);
  color: var(--md-navy);
  transform: translateY(-1px);
}

.cfb-btn-secondary {
  background: transparent;
  color: rgba(255, 255, 255, .9);
  font-size: 14.5px;
  font-weight: 600;
  padding: 14px 22px;
  border-radius: var(--radius-sm);
  border: 1.5px solid rgba(255, 255, 255, .35);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: .25s ease;
  width: 100%;
  cursor: pointer;
}

.cfb-btn-secondary:hover {
  background: rgba(255, 255, 255, .08);
  border-color: rgba(255, 255, 255, .7);
  color: #fff;
}

/* FAQ card (right column) */
.cfb-faq-block {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, .14);
}

.cfb-faq-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--md-navy);
  margin-bottom: 16px;
  line-height: 1.35;
}

.cfb-faq-block .faq-item {
  border-bottom: 1px solid var(--md-gray-200);
}

.cfb-faq-block .faq-item:first-of-type {
  border-top: 1px solid var(--md-gray-200);
}

.cfb-faq-block .faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  cursor: pointer;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--md-navy);
  transition: color var(--t);
  gap: 12px;
  background: none;
  border: none;
  width: 100%;
  text-align: left;
}

.cfb-faq-block .faq-q:hover {
  color: var(--md-blue);
}

.cfb-faq-block .faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .3s ease;
  font-size: 13px;
  color: var(--md-gray-600);
  line-height: 1.7;
}

.cfb-faq-block .faq-item.open .faq-a {
  max-height: 200px;
  padding-bottom: 14px;
}

/* Responsive */
@media(max-width:900px) {
  .cfb-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
}

@media(max-width:768px) {
  .cta-faq-band {
    padding: 48px 0;
  }

  .cfb-inner {
    padding: 0 16px;
  }
}

/* ── INLINE TOC — visible in content flow for Googlebot / sitelinks ── */
.inline-toc {
  border: 1.5px solid var(--md-gray-200);
  border-radius: var(--radius-lg);
  background: var(--md-blue-light);
  padding: 18px 22px 16px;
  margin: 0 0 36px;
}

.inline-toc-head {
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--md-blue);
  margin: 0 0 12px;
}

.inline-toc-list {
  margin: 0;
  padding-left: 18px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.inline-toc-list li {
  font-size: 13.5px;
  line-height: 1.4;
}

.inline-toc-list a {
  color: var(--md-navy);
  font-weight: 500;
  transition: color var(--t);
}

.inline-toc-list a:hover {
  color: var(--md-blue);
}

/* ── CITATION REFERENCES ── */
.cite-ref {
  font-size: 11px;
  font-weight: 700;
  color: var(--md-blue);
  vertical-align: super;
  line-height: 0;
  margin-left: 2px;
  text-decoration: none;
  border-bottom: none;
}

.cite-ref:hover {
  color: var(--md-blue-dark);
  text-decoration: underline;
}

/* ── FAQ ADVISOR CTA ── */
.faq-advisor-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--md-gray-200);
}

.faq-advisor-cta span {
  font-size: 13px;
  color: var(--md-gray-600);
}

@media (max-width: 768px) {
  .faq-advisor-cta {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }

  .faq-advisor-cta .btn,
  .faq-advisor-cta .btn-primary {
    width: 100%;
  }
}