:root {
  --navy: #0b4fa3;
  --navy-dark: #092e5a;
  --green: #94c24f;
  --ink: #1c1c1c;
  --muted: #5a6472;
  --rule: #dce1e8;
  --paper: #ffffff;
  --cool-paper: #f8fafc;
  --container: 1120px;
}

html {
  box-sizing: border-box;
  overflow-x: hidden;
}

*, *::before, *::after { box-sizing: inherit; }

body.info-site {
  min-width: 0;
  margin: 0;
  overflow-x: hidden;
  background: var(--paper);
  color: var(--ink);
  font-family: "Source Sans 3", Arial, sans-serif;
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.info-site #skin_wrapper {
  display: flex;
  min-height: 100vh;
  flex-direction: column;
}

.site-container,
.site-main {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}

.info-site img {
  max-width: 100%;
  height: auto;
}

.info-site h1,
.info-site h2,
.info-site h3,
.info-site h4,
.info-site .topic-title,
.info-site .footer-heading {
  color: var(--ink);
  font-family: "Archivo", Arial, sans-serif;
  font-weight: 700;
  letter-spacing: -.025em;
}

.info-site a { color: var(--navy); }
.info-site a:hover { color: var(--navy-dark); }

.info-site a:focus,
.info-site button:focus,
.info-site summary:focus,
.info-site a:focus-visible,
.info-site button:focus-visible,
.info-site summary:focus-visible {
  outline: 3px solid var(--green) !important;
  outline-color: var(--green) !important;
  outline-style: solid !important;
  outline-width: 3px !important;
  outline-offset: 3px !important;
}

.info-site .top_spacer {
  display: none !important;
  height: 0 !important;
}

/* Shared header */
.site-header {
  width: 100%;
  background: var(--paper);
  border-top: 4px solid var(--navy-dark);
}

.brand-block {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 22px 0 17px;
}

.site-logo {
  display: block;
  line-height: 0;
}

.site-logo img {
  display: block;
  width: auto;
  height: 62px;
}

.site-tagline {
  margin: 7px 0 0 !important;
  color: var(--muted) !important;
  font-size: 15px !important;
  line-height: 1.35 !important;
}

.primary-nav {
  position: relative;
  border-bottom: 1px solid var(--rule);
}

.nav-toggle { display: none; }

.nav-list {
  display: flex !important;
  align-items: stretch;
  gap: 28px;
  width: 100%;
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
}

.nav-list > .nav-item {
  position: relative;
  display: block !important;
  float: none !important;
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
  list-style-type: none !important;
}

.nav-list > .nav-item::marker,
.nav-list > .nav-item::before { display: none !important; content: none !important; }

.nav-list a {
  position: relative;
  display: block;
  padding: 13px 0 12px;
  color: var(--navy) !important;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: .04em;
  text-decoration: none !important;
  text-transform: uppercase;
  white-space: nowrap;
}

.nav-list a::after {
  position: absolute;
  right: 0;
  bottom: -1px;
  left: 0;
  height: 2px;
  background: var(--green);
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 150ms ease;
}

.nav-list a:hover::after,
.nav-list .is-current a::after { transform: scaleX(1); }

/* Shared page body */
.site-main {
  flex: 1;
  padding-top: 42px;
  padding-bottom: 72px;
}

.page-home .site-main {
  padding-top: 32px;
  padding-bottom: 0;
}

.info-article {
  max-width: 820px;
  margin: 0 auto;
  color: var(--ink);
}

.info-article h1 {
  margin: 0 0 20px;
  font-size: clamp(2rem, 5vw, 3.2rem);
  line-height: 1.1;
}

.info-article h2 {
  margin: 42px 0 12px;
  font-size: clamp(1.45rem, 3vw, 1.9rem);
  line-height: 1.2;
}

.info-article h3 {
  margin: 30px 0 8px;
  font-size: 1.25rem;
}

.info-article p,
.info-article li { font-size: 17px; }

.info-article p { margin: 0 0 18px; }
.info-article li { margin-bottom: 7px; }
.info-article .info-hero { margin: 0 0 28px; }
.info-article .info-hero img { display: block; width: 100%; max-height: 420px; object-fit: cover; }
.contact-email { font-size: 1.2rem; }

.pagination {
  display: flex;
  gap: 8px;
  margin-top: 32px;
}

.page-number {
  display: grid;
  place-items: center;
  min-width: 40px;
  height: 40px;
  border: 1px solid var(--rule);
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
}

.page-number.is-current {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}

/* Homepage hero */
.home-content { width: 100%; }

.home-hero {
  border-bottom: 1px solid var(--rule);
}

.hero-image {
  display: block;
  width: 100%;
  max-height: 420px;
  object-fit: cover;
}

.hero-copy {
  max-width: 900px;
  padding: 34px 0 38px;
}

.hero-copy h1 {
  max-width: 850px;
  margin: 0 0 14px;
  color: var(--navy-dark);
  font-size: clamp(2.25rem, 5.4vw, 4.3rem);
  line-height: 1.03;
}

.hero-deck {
  max-width: 760px;
  margin: 0 0 10px;
  color: var(--muted);
  font-size: clamp(1.15rem, 2vw, 1.35rem);
  line-height: 1.5;
}

.hero-disclaimer {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.45;
}

.home-section {
  padding: 68px 0;
  border-bottom: 1px solid var(--rule);
}

.section-heading { margin-bottom: 26px; }
.section-heading-row { display: flex; align-items: end; justify-content: space-between; gap: 24px; }

.eyebrow {
  margin: 0 0 5px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .09em;
  text-transform: uppercase;
}

.section-heading h2,
.prose-section h2 {
  margin: 0;
  color: var(--navy-dark);
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  line-height: 1.15;
}

.text-link {
  display: inline-block;
  padding-bottom: 2px;
  border-bottom: 2px solid var(--green);
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

/* Mailbox-bank topic grid */
.topic-grid,
.guide-grid,
.footer-links {
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
}

.topic-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.topic-grid > li,
.guide-grid > li,
.footer-links > li {
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
}

.topic-grid > li::marker,
.guide-grid > li::marker,
.footer-links > li::marker { content: ""; }

.topic-card {
  position: relative;
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr) auto;
  gap: 15px;
  align-items: start;
  min-height: 150px;
  height: 100%;
  padding: 22px 20px 25px;
  overflow: hidden;
  border: 1px solid var(--rule);
  background: var(--paper);
  color: var(--ink) !important;
  text-decoration: none !important;
  transform: translateY(0);
  transition: border-color 150ms ease, transform 150ms ease;
}

.topic-card::after {
  position: absolute;
  right: 0;
  bottom: 0;
  left: 0;
  height: 3px;
  background: var(--green);
  content: "";
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 150ms ease;
}

.topic-card:hover {
  border-color: #b9c2cf;
  transform: translateY(-1px);
}

.topic-card:hover::after,
.topic-card:focus-visible::after { transform: scaleX(1); }

.topic-plate {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border: 1px solid var(--rule);
  color: var(--navy);
  font-family: "Archivo", Arial, sans-serif;
  font-size: 15px;
  font-weight: 700;
  line-height: 1;
}

.topic-copy { display: flex; flex-direction: column; gap: 8px; }
.topic-title { color: var(--navy-dark); font-size: 18px; line-height: 1.25; }
.topic-desc { color: var(--muted); font-size: 15px; line-height: 1.45; }
.topic-arrow { color: var(--navy); font-size: 20px; line-height: 1.2; }

/* Latest guides */
.guide-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 26px 20px;
}

.guide-card {
  height: 100%;
  border: 1px solid var(--rule);
  background: var(--paper);
}

.guide-image {
  display: block;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: var(--cool-paper);
}

.guide-image img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 180ms ease;
}

.guide-card:hover .guide-image img { transform: scale(1.015); }

.guide-card-body { padding: 18px 18px 20px; }
.guide-card time { display: block; margin-bottom: 7px; color: var(--muted); font-size: 14px; }
.guide-card h3 { margin: 0 0 10px; font-size: 19px; line-height: 1.3; }
.guide-card h3 a { color: var(--navy-dark); text-decoration-thickness: 1px; text-underline-offset: 3px; }
.guide-card p { margin: 0; color: var(--muted); font-size: 15px; line-height: 1.5; }

.prose-section { max-width: 780px; }
.prose-section p:not(.eyebrow) { margin: 14px 0 0; font-size: 18px; }

/* FAQ */
.faq-section { border-bottom: 0; }
.faq-list { border-top: 1px solid var(--rule); }

.faq-list details {
  margin: 0;
  border-bottom: 1px solid var(--rule);
  background: var(--paper);
}

.faq-list summary {
  position: relative;
  padding: 21px 48px 21px 0;
  color: var(--navy-dark);
  cursor: pointer;
  font-family: "Archivo", Arial, sans-serif;
  font-size: 18px;
  font-weight: 700;
  line-height: 1.35;
  list-style: none;
}

.faq-list summary::-webkit-details-marker { display: none; }

.faq-list summary::after {
  position: absolute;
  top: 19px;
  right: 2px;
  color: var(--navy);
  content: "+";
  font-family: "Source Sans 3", Arial, sans-serif;
  font-size: 28px;
  font-weight: 400;
  line-height: 1;
}

.faq-list details[open] summary::after { content: "−"; }
.faq-answer { max-width: 840px; padding: 0 48px 22px 0; }
.faq-answer p { margin: 0; color: var(--muted); }

/* Shared footer */
.site-footer {
  margin-top: auto;
  background: var(--navy-dark);
  color: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.25fr .75fr 1fr;
  gap: 64px;
  padding: 54px 0 42px;
}

.footer-brand img { display: block; width: auto; height: 52px; }
.footer-brand p { max-width: 360px; margin: 16px 0 0; color: #d9e4f0; font-size: 15px; }

.footer-heading {
  margin: 0 0 14px;
  color: #fff !important;
  font-size: 14px;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.footer-links { columns: 1; }
.footer-links li { margin-bottom: 6px !important; }
.footer-links a { color: #edf4fb !important; font-size: 15px; text-decoration: none; }
.footer-links a:hover { color: #fff !important; text-decoration: underline; text-underline-offset: 3px; }

.footer-bottom {
  padding: 19px 0 23px;
  border-top: 1px solid rgba(255, 255, 255, .2);
}

.footer-bottom p { margin: 0; color: #d9e4f0; font-size: 14px; }

/* Cookie controls */
.cookie-banner {
  position: fixed;
  z-index: 99999;
  right: 0;
  bottom: 0;
  left: 0;
  padding: 16px;
  background: #151b23;
  color: #f5f7fa;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, .28);
}

.cookie-banner[hidden] { display: none !important; }
.cookie-banner-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.cookie-banner-inner p { margin: 0; font-size: 15px; }
.cookie-banner a { color: #b9dafd; }
.cookie-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.btn-cookie { padding: 9px 13px; border: 1px solid transparent; font: 600 15px "Source Sans 3", Arial, sans-serif; cursor: pointer; }
.btn-cookie.accept { background: var(--green); color: #12200b; }
.btn-cookie.reject { border-color: #d6dde6; background: #fff; color: var(--ink); }

@media (max-width: 900px) {
  .brand-block { padding: 18px 0 14px; }
  .site-logo img { height: 54px; }
  .primary-nav { padding-bottom: 10px; }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 9px 0;
    border: 0;
    background: transparent;
    color: var(--navy);
    font: 600 14px "Source Sans 3", Arial, sans-serif;
    letter-spacing: .04em;
    text-transform: uppercase;
    cursor: pointer;
  }

  .nav-toggle-icon { display: inline-flex; width: 20px; flex-direction: column; gap: 4px; }
  .nav-toggle-icon span { display: block; width: 100%; height: 2px; background: currentColor; }

  .nav-panel {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    transition: max-height 220ms ease, opacity 150ms ease;
  }

  .nav-panel.is-open { max-height: 520px; opacity: 1; }

  .nav-list {
    display: flex !important;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 6px 0 10px !important;
  }

  .nav-list a {
    padding: 11px 0;
    white-space: normal;
  }

  .nav-list a::after { right: auto; width: 44px; }

  .topic-grid,
  .guide-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }

  .footer-grid { grid-template-columns: 1.15fr .85fr; gap: 40px; }
  .footer-grid > :last-child { grid-column: 1 / -1; }
  .footer-grid > :last-child .footer-links { columns: 2; column-gap: 32px; }
}

@media (max-width: 620px) {
  .site-container,
  .site-main { padding-inline: 20px; }

  .site-main { padding-top: 30px; padding-bottom: 54px; }
  .page-home .site-main { padding-top: 20px; }
  .site-logo img { height: auto; max-height: 52px; }
  .site-tagline { max-width: 310px; font-size: 14px !important; }
  .hero-copy { padding: 25px 0 30px; }
  .hero-copy h1 { font-size: clamp(2.15rem, 11vw, 3rem); }
  .home-section { padding: 48px 0; }
  .section-heading-row { align-items: flex-start; flex-direction: column; gap: 12px; }
  .topic-grid,
  .guide-grid { grid-template-columns: minmax(0, 1fr); }
  .topic-card { min-height: 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; padding: 44px 0 34px; }
  .footer-grid > :last-child { grid-column: auto; }
  .footer-grid > :last-child .footer-links { columns: 1; }
  .cookie-banner-inner { align-items: flex-start; flex-direction: column; padding: 0 4px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}