: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;}

    /* ── BREADCRUMB ── */
    .breadcrumb-bar{height:64px;background:#fff;border-bottom:1px solid rgba(13,27,76,.06);display:flex;align-items:center;}
    .breadcrumb{margin:0;padding:0;background:none;}
    .breadcrumb-item a{font-size:13px;font-weight:500;color:#7f8aa3;}
    .breadcrumb-item.active{font-size:13px;font-weight:700;color:var(--md-blue);}
    .breadcrumb-item+.breadcrumb-item::before{content:'›';color:#c5cede;font-size:14px;}

    /* ── 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;
}
.breadcrumb { display:flex; align-items:center; gap:8px; margin:0; padding:0; background:none; font-size:13.5px; font-weight:500; flex-wrap:wrap; }
.breadcrumb a { color:#7f8aa3; transition:color .18s 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; }

/* ── 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%; }
}