:root{--p9:#2e1065;--p8:#3b0f7a;--p7:#4c1d95;--p6:#6d28d9;--p3:#c4b5fd;--p2:#ddd6fe;--p1:#ede9fe;--p0:#f8f6ff;--g7:#15803d;--g8:#166534;--g1:#dcfce7;--ink:#1f1633;--mut:#5b5470;--line:#e6e1f3;--white:#fff;--r:16px;--sh:0 8px 28px rgba(46,16,101,.12);--navh:72px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--navh) + 16px)}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--p7)}
h1,h2,h3{line-height:1.22;color:var(--p9);text-wrap:balance}
.skip{position:absolute;left:-9999px;top:8px;background:var(--p7);color:#fff;padding:10px 16px;border-radius:8px;z-index:2147483001}
.skip:focus{left:12px}
.wrap{max-width:1240px;margin:0 auto;padding-inline:20px}
/* ---- sticky nav ---- */
.site-header{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.nav{display:flex;align-items:center;gap:6px;min-height:var(--navh)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--p9);font-weight:800;font-size:19px;letter-spacing:-.01em;margin-right:18px;white-space:nowrap}
.logo img{width:38px;height:38px}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a,.dd-btn{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 13px;border:0;background:none;font:600 15px var(--font);color:var(--ink);text-decoration:none;border-radius:10px;cursor:pointer}
.menu>li>a:hover,.dd-btn:hover,.dd-btn[aria-expanded="true"]{background:var(--p1);color:var(--p7)}
.dd-btn svg{width:12px;height:12px;transition:transform .15s}
.has-dd:hover .dd-btn svg,.has-dd.open .dd-btn svg{transform:rotate(180deg)}
.dd{position:absolute;left:0;top:100%;margin:0;min-width:270px;width:max-content;list-style:none;padding:8px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);visibility:hidden;opacity:0;transition:opacity .15s,visibility 0s linear .3s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.has-dd:hover>.dd,.has-dd:focus-within>.dd,.has-dd.open>.dd{visibility:visible;opacity:1;transition-delay:0s}
.dd a{display:block;padding:10px 12px;border-radius:9px;text-decoration:none;color:var(--ink);font-size:15px;font-weight:500;white-space:nowrap}
.dd a:hover,.dd a:focus{background:var(--p1);color:var(--p7)}
.nav-gap{flex:1 1 40px;min-width:24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:12px;font:700 16px var(--font);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,transform .15s}
.btn-apply{background:var(--g7);color:#fff}
.btn-apply:hover{background:var(--g8)}
.btn-ghost{background:#fff;color:var(--p7);border-color:var(--p3)}
.btn-ghost:hover{background:var(--p1)}
.nav .btn-apply{min-height:46px;padding:0 22px}
.burger{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:var(--p9);position:relative;content:""}
.burger span::before{position:absolute;top:-6px}.burger span::after{position:absolute;top:6px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--g7);outline-offset:2px}
/* ---- breadcrumb ---- */
.crumbs{background:var(--p0);border-bottom:1px solid var(--line);font-size:14px}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0;padding:10px 0}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--mut)}
.crumbs a{color:var(--p7);text-decoration:none}
.crumbs [aria-current]{color:var(--mut)}
/* ---- hero B: split half-screen ---- */
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:560px;background:var(--p0)}
.hero-text{grid-column:1;grid-row:1;display:flex;flex-direction:column;justify-content:center;align-items:center;padding:56px 40px}
.hero-text>*{width:100%;max-width:540px}
.hero h1{font-size:44px;margin:0 0 12px;letter-spacing:-.02em}
.updated{font-size:14px;color:var(--mut);margin:0 0 14px}
.answer-lead{font-size:19px;line-height:1.6;color:var(--ink);margin:0 0 24px;text-wrap:balance}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 22px}
.hero-trust{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:14px;color:var(--mut);margin:0;padding:0;list-style:none}
.hero-trust li::before{content:"✓";color:var(--g7);font-weight:800;margin-right:6px}
.hero-media{position:relative;min-height:100%;overflow:hidden;background:var(--p1);grid-column:2;grid-row:1}
.hero-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.hero-home .hero-media img{object-position:50% 50%}
@media (max-width:1180px){.menu>li>a,.dd-btn{padding:0 9px;font-size:14.5px}.logo{font-size:17px;margin-right:8px}}
@media (max-width:1020px){
 .burger{display:flex}
 .menu{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 16px;box-shadow:var(--sh);max-height:calc(100vh - var(--navh));overflow:auto}
 .site-header.menu-open .menu{display:flex}
 .menu>li>a,.dd-btn{width:100%;justify-content:space-between;min-height:48px;font-size:16px}
 .dd{position:static;display:none;visibility:visible;opacity:1;transition:none;box-shadow:none;border:0;padding:0 0 6px 12px;min-width:0}
 .dd::before{display:none}
 .has-dd:hover>.dd,.has-dd:focus-within>.dd{display:none}
 .has-dd.open>.dd{display:block}
 .dd a{min-height:44px;display:flex;align-items:center}
 .nav-gap{display:none}
 .nav>.btn-apply{display:none}
 .menu .menu-apply{display:block;margin-top:8px}
 .menu .menu-apply a{justify-content:center;background:var(--g7);color:#fff}
}
@media (min-width:1021px){.menu .menu-apply{display:none}}
@media (max-width:860px){
 .hero{grid-template-columns:1fr;min-height:0}
 .hero-media{grid-column:1;grid-row:1;height:320px;min-height:0}
 .hero-text{grid-column:1;grid-row:2}
 .hero-text{padding:32px 20px 36px}
 .hero h1{font-size:32px}
 .answer-lead{font-size:17.5px;text-wrap:pretty}
}
/* ==== above-the-fold layout (moved from main.css to prevent CLS) ==== */
/* ---- layout ---- */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start;padding-block:48px 64px}
.layout.full{grid-template-columns:minmax(0,860px);justify-content:center}
.article{min-width:0}
.article h2{font-size:30px;margin:44px 0 12px;letter-spacing:-.01em;scroll-margin-top:calc(var(--navh) + 16px)}
.article h3{font-size:21px;margin:28px 0 8px;scroll-margin-top:calc(var(--navh) + 16px)}
.article p,.article li{color:var(--ink)}
.article ul,.article ol{padding-left:22px}
.article li{margin:6px 0}
.article blockquote{margin:24px 0;padding:16px 22px;border-left:4px solid var(--p6);background:var(--p0);border-radius:0 12px 12px 0}
.article a{text-decoration-thickness:1px;text-underline-offset:3px}
.intro-lead{font-size:18px;padding:18px 22px;background:var(--p1);border-radius:var(--r);margin:0 0 28px;text-wrap:balance}
/* TOC */
.toc{border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;margin:0 0 32px;background:#fff}
.toc-title{font-weight:800;color:var(--p9);margin:0 0 8px;font-size:15px;text-transform:uppercase;letter-spacing:.06em}
.toc ol{margin:0;padding-left:20px;display:grid;grid-template-columns:1fr 1fr;column-gap:40px;row-gap:2px}
.toc li{margin:4px 0;font-size:15px}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
/* cards */
.cards{display:grid;gap:20px;margin:28px 0}
.cards-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.cards-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.cards-5{grid-template-columns:repeat(5,minmax(0,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--sh);transform:translateY(-2px)}
.card-img{display:block;aspect-ratio:4/3;overflow:hidden;background:var(--p1)}
.card-img img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.card-body{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.card-title{font-size:18px;font-weight:800;color:var(--p9);margin:0;line-height:1.3;text-wrap:balance}
.card-title a{color:inherit;text-decoration:none}
.card-title a:hover{color:var(--p6)}
.card-text{font-size:15px;color:var(--mut);margin:0}
.card-meta{font-size:13.5px;color:var(--mut);margin-top:auto}
.term-card{padding:22px;text-align:center;border:1px solid var(--line);border-radius:var(--r);background:var(--p0);display:flex;flex-direction:column;gap:6px}
.term-card .tc-term{font-weight:800;color:var(--p9);font-size:18px;margin:0}
.term-card .tc-amt{font-size:30px;font-weight:800;color:var(--p7);margin:0;font-variant-numeric:tabular-nums}
.term-card .tc-note{font-size:13.5px;color:var(--mut);margin:0}
.term-card a{font-weight:700}
.section-band{padding-block:56px;background:var(--p0);border-bottom:1px solid var(--line)}
.section-band.white{background:#fff}
.band-title{font-size:32px;margin:0 0 8px;text-align:center}
.band-lead{text-align:center;color:var(--mut);max-width:720px;margin:0 auto 8px}
/* form card */
.form-section{padding-block:48px;background:linear-gradient(180deg,var(--p0),#fff)}
.form-card{position:relative;z-index:1;isolation:isolate;max-width:1020px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 8px 28px rgba(46,16,101,.14);padding:34px 32px 28px;border:1px solid var(--line);overflow:hidden}
.form-card::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--p7),var(--p6),var(--g7))}
.form-title{font-size:26px;font-weight:800;color:var(--p9);margin:0 0 4px;text-align:center}
.form-trust{text-align:center;color:var(--mut);font-size:15px;margin:0 0 18px}
#apply-form{scroll-margin-top:calc(var(--navh) + 16px)}
/* sidebar */
.sidebar{display:flex;flex-direction:column;gap:18px}
.sb-box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.sb-title{font-weight:800;color:var(--p9);font-size:16.5px;margin:0 0 10px}
.sb-box p{font-size:15px;margin:0 0 10px;color:var(--ink)}
.sb-box ul,.sb-box ol{list-style:none;margin:0;padding:0}
.sb-box li{font-size:15px;margin:0;padding:7px 0;border-top:1px solid var(--line)}
.sb-box li:first-child{border-top:0}
.sb-box ol.sb-steps{counter-reset:s}
.sb-box ol.sb-steps li{counter-increment:s;padding-left:34px;position:relative}
.sb-box ol.sb-steps li::before{content:counter(s);position:absolute;left:0;top:7px;width:24px;height:24px;border-radius:50%;background:var(--p1);color:var(--p7);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.sb-box a{text-decoration:none}
.sb-box a:hover{text-decoration:underline}
.sb-box table{font-size:14px}
.sb-box th,.sb-box td{padding:7px 8px}
.sb-cta{background:linear-gradient(160deg,var(--p7),var(--p9));color:#fff;border:0}
.sb-cta .sb-title,.sb-cta p{color:#fff}
.sb-cta .btn{width:100%;margin-top:6px}
.sb-sticky{position:sticky;top:calc(var(--navh) + 16px)}
.sb-rating{font-size:34px;font-weight:800;color:var(--p7);margin:0;line-height:1}
.stars{color:#b45309;letter-spacing:2px}
.sb-note{font-size:13px!important;color:var(--mut)!important}
/* blog bits */
.byline{font-size:15px;color:var(--mut);margin:0 0 6px}
.byline strong{color:var(--ink)}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--p0);border:1px solid var(--line);border-radius:var(--r);padding:22px;margin:40px 0}
.author-mark{flex:none;width:52px;height:52px;border-radius:50%;background:var(--p7);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px}
.author-name{font-weight:800;color:var(--p9);margin:0}
.author-role{font-size:14px;color:var(--mut);margin:0 0 6px}
.author-box p{margin:0 0 4px;font-size:15.5px}
.share{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:28px 0}
.share-label{font-weight:700;color:var(--p9);margin:0}
.share a,.share button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 16px;border-radius:10px;border:1px solid var(--line);background:#fff;color:var(--p7);font:600 14.5px var(--font);text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{background:var(--p1)}
.related-title{font-size:24px!important}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:26px;margin:0 0 32px}
.calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.calc label{display:block;font-weight:700;font-size:14.5px;color:var(--p9);margin-bottom:6px}
.calc input,.calc select{width:100%;min-height:48px;border:1px solid var(--p3);border-radius:10px;padding:0 12px;font:600 17px var(--font);color:var(--ink);background:#fff}
.calc input[type=range]{min-height:28px;padding:0;border:0;accent-color:var(--p7)}
.calc-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0 6px}
.calc-stat{background:var(--p0);border-radius:12px;padding:14px;text-align:center}
.calc-stat .k{font-size:13.5px;color:var(--mut);margin:0}
.calc-stat .v{font-size:26px;font-weight:800;color:var(--p7);margin:2px 0 0;font-variant-numeric:tabular-nums}
.calc-note{font-size:13.5px;color:var(--mut);margin:8px 0 0}
/* responsive */
@media (max-width:1100px){.cards-5{grid-template-columns:1fr}.cards-5 .card{flex-direction:row}.cards-5 .card-img{flex:0 0 38%;aspect-ratio:auto;min-height:150px}}
@media (max-width:1020px){
 .layout{grid-template-columns:minmax(0,1fr);gap:32px}
 .sb-x{display:none}
 .sb-sticky{position:static}
 .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
 body{font-size:16.5px}
 .article h2{font-size:25px}
 .cards-3,.cards-2,.stories,.calc-grid,.calc-out,.sm-cols{grid-template-columns:1fr}
 .cards-5 .card{flex-direction:column}.cards-5 .card-img{aspect-ratio:16/9;flex:none}
 .toc ol{grid-template-columns:1fr}
 .rating-panel{grid-template-columns:1fr}
 .form-card{padding:26px 14px 18px;border-radius:12px}
 .foot-grid{grid-template-columns:1fr}
 .band-title,.cta-title{font-size:26px}
 .wrap{padding-inline:16px}
 .section-band,.form-section{padding-block:36px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
/* mobile: tables become stacked cards */
@media (max-width:760px){
 .tbl{border:0;overflow:visible;border-radius:0}
 .tbl table,.tbl tbody,.tbl tr,.tbl td,.tbl tbody th{display:block;width:100%}
 .tbl thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
 .tbl caption{display:block;padding:0 0 10px}
 .tbl tbody tr{border:1px solid var(--line);border-radius:12px;margin:0 0 12px;overflow:hidden;background:#fff}
 .tbl td,.tbl tbody th{display:flex;gap:12px;border-top:1px solid var(--line);padding:9px 14px;background:#fff!important;text-align:left}
 .tbl td::before,.tbl tbody th::before{content:attr(data-label);flex:0 0 40%;font-weight:700;color:var(--mut);font-size:13.5px}
 .tbl td:first-child,.tbl tbody th:first-child{border-top:0;background:var(--p1)!important;font-weight:700;color:var(--p9);white-space:normal}
 .tbl td:first-child::before,.tbl tbody th:first-child::before{content:none}
}

/* body image — one shared class */
.body-img{margin:32px auto;max-width:420px}
.body-img img{width:100%;border-radius:var(--r);box-shadow:var(--sh)}
.body-img figcaption{font-size:14px;color:var(--mut);margin-top:10px;text-align:center}
/* tables */
.tbl{overflow-x:auto;margin:24px 0;border:1px solid var(--line);border-radius:14px}
table{width:100%;border-collapse:collapse;font-size:15.5px;font-variant-numeric:tabular-nums}
caption{caption-side:top;text-align:left;font-weight:700;color:var(--p9);padding:14px 16px 8px}
th,td{padding:11px 16px;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--p1);color:var(--p9);font-weight:700;border-top:0}
tbody tr:nth-child(even) td{background:#fbfaff}
.fc-nw td:first-child,.fc-nw th:first-child{white-space:nowrap}
/* CTA zone */
.cta-zone{position:relative;overflow:hidden;color:#fff;background:var(--p9)}
.cta-zone img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.35}
.cta-zone::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(46,16,101,.95),rgba(76,29,149,.75))}
.cta-inner{position:relative;z-index:1;padding-block:64px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-title{font-size:32px;font-weight:800;margin:0 0 6px;line-height:1.2;text-wrap:balance}
.cta-zone p{margin:0;color:#ede9fe;max-width:620px}
/* footer */
.site-footer{background:#1a0b3d;color:#d9d3ec;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-block:52px 32px}
.foot-col-title{font-weight:800;color:#fff;margin:0 0 12px;font-size:15px;text-transform:uppercase;letter-spacing:.06em}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0}
.site-footer a{color:#e9e3ff;text-decoration:none;display:inline-flex;min-height:36px;align-items:center}
.site-footer a:hover{text-decoration:underline}
.foot-brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:19px;margin:0 0 12px}
.foot-brand img{width:36px;height:36px}
.nap{font-style:normal;line-height:1.7}
.disclosure{border-top:1px solid rgba(255,255,255,.14);padding-block:24px;font-size:13.5px;line-height:1.65;color:#c9c1e3}
.disclosure p{margin:0 0 10px}
.copy{border-top:1px solid rgba(255,255,255,.14);padding-block:18px;font-size:13.5px;color:#bdb4d9}
/* scroll top */
.to-top{position:fixed;right:18px;bottom:calc(18px + env(safe-area-inset-bottom,0px));width:48px;height:48px;border-radius:50%;border:0;background:var(--p7);color:#fff;box-shadow:var(--sh);cursor:pointer;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s;z-index:2147482000;display:flex;align-items:center;justify-content:center}
.to-top.show{opacity:1;visibility:visible}
.to-top svg{width:20px;height:20px}
/* faq */
.mini-faq{margin-top:48px;padding-top:8px;border-top:1px solid var(--line)}
.mini-faq h3{font-size:19px}
/* review */
.rating-panel{display:grid;grid-template-columns:200px 1fr;gap:28px;align-items:center;background:var(--p0);border:1px solid var(--line);border-radius:var(--r);padding:24px;margin:0 0 32px}
.rating-big{text-align:center}
.rating-big .num{font-size:56px;font-weight:800;color:var(--p7);line-height:1;margin:0}
.rating-big p{margin:6px 0 0;font-size:14px;color:var(--mut)}
.bars{display:flex;flex-direction:column;gap:8px}
.bar-row{display:grid;grid-template-columns:44px 1fr 46px;gap:10px;align-items:center;font-size:14px}
.bar-track{height:10px;background:#fff;border:1px solid var(--line);border-radius:6px;overflow:hidden}
.bar-fill{height:100%;background:var(--p6)}
.stories{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin:24px 0}
.story{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff;display:flex;flex-direction:column;gap:6px}
.story-head{display:flex;justify-content:space-between;gap:10px;font-size:14px;color:var(--mut)}
.story-title{font-weight:800;color:var(--p9);margin:0;font-size:16.5px}
.story p{margin:0;font-size:15px}
.story-topic{font-size:12.5px;font-weight:700;color:var(--p7);background:var(--p1);border-radius:999px;padding:2px 10px;align-self:flex-start}
.label-note{font-size:14px;color:var(--mut);background:#fff8e6;border:1px solid #f5deb0;border-radius:12px;padding:12px 16px}
/* glossary */
.article h3[id]{scroll-margin-top:calc(var(--navh) + 16px)}
/* sitemap */
.sm-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 40px}
.sm-cols ul{margin:0}

/* mobile: tables become stacked cards */
@media (max-width:760px){
 .tbl{border:0;overflow:visible;border-radius:0}
 .tbl table,.tbl tbody,.tbl tr,.tbl td,.tbl tbody th{display:block;width:100%}
 .tbl thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
 .tbl caption{display:block;padding:0 0 10px}
 .tbl tbody tr{border:1px solid var(--line);border-radius:12px;margin:0 0 12px;overflow:hidden;background:#fff}
 .tbl td,.tbl tbody th{display:flex;gap:12px;border-top:1px solid var(--line);padding:9px 14px;background:#fff!important;text-align:left}
 .tbl td::before,.tbl tbody th::before{content:attr(data-label);flex:0 0 40%;font-weight:700;color:var(--mut);font-size:13.5px}
 .tbl td:first-child,.tbl tbody th:first-child{border-top:0;background:var(--p1)!important;font-weight:700;color:var(--p9);white-space:normal}
 .tbl td:first-child::before,.tbl tbody th:first-child::before{content:none}
}
/* responsive (repeated after component base rules so cascade order holds) */

@media (max-width:1100px){.cards-5{grid-template-columns:1fr}.cards-5 .card{flex-direction:row}.cards-5 .card-img{flex:0 0 38%;aspect-ratio:auto;min-height:150px}}
@media (max-width:1020px){
 .layout{grid-template-columns:minmax(0,1fr);gap:32px}
 .sb-x{display:none}
 .sb-sticky{position:static}
 .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
 body{font-size:16.5px}
 .article h2{font-size:25px}
 .cards-3,.cards-2,.stories,.calc-grid,.calc-out,.sm-cols{grid-template-columns:1fr}
 .cards-5 .card{flex-direction:column}.cards-5 .card-img{aspect-ratio:16/9;flex:none}
 .toc ol{grid-template-columns:1fr}
 .rating-panel{grid-template-columns:1fr}
 .form-card{padding:26px 14px 18px;border-radius:12px}
 .foot-grid{grid-template-columns:1fr}
 .band-title,.cta-title{font-size:26px}
 .wrap{padding-inline:16px}
 .section-band,.form-section{padding-block:36px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}