/* v16: multipage hero backgrounds mapped per Apply page. */
:root{
  --blue:#0787c6;
  --blue-dark:#0379b7;
  --text:#060606;
  --muted:#757575;
  --soft:#d9f2ff;
  --card-border:#eeeeee;

  /* Desktop typography matched to the source page screenshots */
  --fs-nav:15px;
  --fs-hero-eyebrow:16px;
  --fs-hero-title:90px;
  --fs-hero-subtitle:66px;
  --fs-hero-copy:20px;
  --fs-hero-feature:16px;
  --fs-hero-link:34px;
  --fs-doc-kicker:20px;
  --fs-doc-title:64px;
  --fs-doc-subtitle:21px;
  --fs-card-title:23px;
  --fs-card-body:15.5px;
  --fs-attention-title:16px;
  --fs-attention-copy:18px;
  --fs-continue-kicker:23px;
  --fs-continue-title:72px;
  --fs-continue-copy:21px;
  --fs-help-title:40px;
  --fs-button:16px;
  --fs-footer-title:17px;
  --fs-footer-text:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--text);font-family:'Roboto',Arial,sans-serif;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

/* Header */
.site-header{
  position:absolute;
  top:0;left:0;right:0;
  z-index:20;
  height:84px;
  display:flex;
  align-items:center;
  padding:0 56px 0 66px;
}
.brand img{width:250px;height:auto}
.main-nav{
  margin-left:auto;
  margin-right:92px;
  display:flex;
  align-items:center;
  gap:31px;
  font-size:var(--fs-nav);
  font-weight:500;
  color:#050505;
  white-space:nowrap;
}
.main-nav a{line-height:1;transition:.2s;color:#000}

.nav-item{position:relative;line-height:1}
.nav-dropdown-trigger{padding:0}
.nav-dropdown::after{
  content:"";
  position:absolute;
  left:-18px;
  right:-18px;
  top:100%;
  height:18px;
}
.nav-dropdown-trigger i{font-size:12px;transform:translateY(1px)}
.submenu{
  position:absolute;
  top:25px;
  left:-19px;
  width:224px;
  display:none;
  flex-direction:column;
  background:#0788bd;
  z-index:60;
}
.nav-dropdown:hover .submenu,
.nav-dropdown:focus-within .submenu{display:flex}
.submenu a{
  height:43px;
  display:flex;
  align-items:center;
  padding:0 25px;
  color:#fff !important;
  background:#0788bd;
  font-family:'Roboto',Arial,sans-serif;
  font-size:13px;
  line-height:1;
  font-weight:700;
  white-space:nowrap;
}
.submenu a.active{background:#373d43}
.submenu a:hover{background:#373d43;color:#fff !important}
.submenu a.disabled{cursor:default}
.submenu a.disabled:hover{background:#0788bd;color:#fff !important}
.main-nav a:hover{color:var(--blue)}
.has-caret{display:inline-flex;align-items:center;gap:8px}
.apply-top{
  min-width:112px;
  height:47px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border-radius:3px;
  background:var(--blue);
  color:#fff;
  font-size:15px;
  font-weight:700;
}
.nav-toggle{display:none;background:transparent;border:0;gap:4px;flex-direction:column;padding:7px}
.nav-toggle span{width:26px;height:2px;background:#111;display:block}

/* Hero */
.hero-section{
  position:relative;
  height:100vh;
  min-height:927px;
  background-image:
    linear-gradient(90deg, rgba(255,255,255,1) 0%, rgba(255,255,255,.99) 33%, rgba(255,255,255,.82) 43%, rgba(255,255,255,.35) 52%, rgba(255,255,255,0) 66%),
    var(--hero-image, url('/assets/img/debt-consolidation-hero.webp'));
  background-size:cover;
  background-position:center right;
  overflow:hidden;
}
@supports (height: 100svh){
  .hero-section{height:100svh}
}
.hero-content{
  position:relative;
  z-index:2;
  width:810px;
  padding-top:134px;
  padding-left:56px;
}
.eyebrow,
.section-kicker{
  margin:0;
  color:var(--blue);
  font-size:var(--fs-hero-eyebrow);
  line-height:1;
  font-weight:500;
  letter-spacing:.02em;
  text-transform:uppercase;
}
.hero-content h1{
  margin:23px 0 13px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:var(--fs-hero-title);
  line-height:.94;
  font-weight:600;
  letter-spacing:-.04em;
  color:#000;
}
.hero-content h2{
  margin:0;
  font-family:'Cormorant Garamond',Georgia,serif;
  color:var(--blue);
  font-size:var(--fs-hero-subtitle);
  line-height:1.02;
  font-weight:600;
  letter-spacing:-.035em;
  max-width:790px;
}
.hero-copy{
  margin:43px 0 0;
  max-width:710px;
  color:#777;
  font-size:var(--fs-hero-copy);
  line-height:1.55;
  font-weight:400;
}
.hero-features{
  margin-top:45px;
  width:730px;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  column-gap:49px;
  row-gap:34px;
}
.feature-item{
  display:flex;
  align-items:center;
  gap:20px;
  min-height:46px;
  color:#777;
  font-size:var(--fs-hero-feature);
  line-height:1.45;
}
.hero-svg{
  width:60px;
  height:60px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  flex:0 0 60px;
}
.hero-svg svg{width:100%;height:100%;display:block;fill:currentColor}

.hero-fa{
  width:60px;
  height:60px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  flex:0 0 60px;
  font-size:54px;
  line-height:1;
}
.hero-fa-blue{color:var(--blue)}
.hero-fa-black{color:#000}
.calendar-alt-icon{font-size:51px}
.maple-fa-icon{font-size:50px;width:53px;height:53px;flex-basis:53px}
.hero-svg-blue{color:var(--blue)}
.hero-svg-black{color:#000}
.maple-icon{width:53px;height:53px;flex-basis:53px}
.canada-icon{width:62px;height:46px;flex-basis:62px}
.canada-svg-img{width:62px;height:auto;display:block;flex:0 0 62px;object-fit:contain}
.feature-item.canada{grid-column:2 / span 1}
.requirements-link{
  display:inline-flex;
  align-items:center;
  gap:7px;
  margin-top:62px;
  margin-left:22px;
  color:var(--blue);
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:var(--fs-hero-link);
  line-height:1;
  font-weight:600;
}
.requirements-link i{font-size:30px;transform:translateY(3px)}

/* Documents */
.documents-section{
  min-height:887px;
  padding:58px 50px 0;
  background:#fff;
}
.section-heading{text-align:center}
.section-heading .section-kicker{font-size:var(--fs-doc-kicker);letter-spacing:.18em}
.section-heading h2{
  margin:20px 0 2px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:var(--fs-doc-title);
  line-height:.9;
  font-weight:600;
  color:#000;
  letter-spacing:-.02em;
}
.section-heading p:not(.section-kicker){
  margin:10px 0 0;
  font-size:var(--fs-doc-subtitle);
  line-height:1.2;
  color:#111;
}
.document-cards{
  margin-top:29px;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:20px;
}
.doc-card{
  min-height:493px;
  border-radius:10px;
  background:#fff;
  border:1px solid var(--card-border);
  box-shadow:0 1px 12px rgba(0,0,0,.12);
  padding:0 30px 24px 30px;
}
.doc-title{
  height:66px;
  display:flex;
  align-items:center;
  gap:16px;
  border-bottom:1px solid var(--blue);
}
.doc-title i{
  margin-left:-30px;
  color:var(--blue);
  font-size:39px;
  width:58px;
  text-align:center;
  flex:0 0 58px;
}
.doc-title h3{
  margin:0;
  font-size:var(--fs-card-title);
  line-height:1.1;
  font-weight:500;
  color:#111;
}
.identification-title{height:88px}
.doc-card ul{
  margin:28px 0 0 0;
  padding-left:18px;
  color:#747474;
  font-size:var(--fs-card-body);
  line-height:1.55;
}
.doc-card li{margin-bottom:11px;padding-left:2px}
.doc-card:nth-child(2) ul li,
.doc-card:nth-child(3) ul li,
.doc-card:nth-child(4) li{margin-bottom:11px}
.doc-card:nth-child(4) ul{margin-top:28px}
.attention-bar{
  margin:28px -40px 0;
  min-height:93px;
  background:#d9f3ff;
  color:#12658f;
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:17px 21px 17px 31px;
}
.attention-bar strong{
  display:block;
  font-size:16px;
  line-height:1.2;
  color:#206787;
}
.attention-bar p{
  margin:6px 0 0;
  font-size:var(--fs-attention-copy);
  line-height:1.25;
  color:#17688e;
}
.attention-bar i{
  width:56px;height:56px;
  border-radius:50%;
  background:#2a7695;
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:34px;
  flex:0 0 56px;
}

/* Continue */
.continue-section{
  background:#fff;
  padding:70px 24px 24px;
  text-align:center;
  min-height:568px;
}
.continue-inner .section-kicker{font-size:var(--fs-continue-kicker);letter-spacing:.2em}
.continue-inner h2{
  margin:22px 0 23px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:var(--fs-continue-title);
  line-height:.85;
  font-weight:600;
  letter-spacing:-.03em;
  color:#000;
}
.continue-copy{
  margin:0 auto;
  max-width:1280px;
  color:var(--blue);
  font-size:var(--fs-continue-copy);
  line-height:1.12;
  font-weight:400;
}
.primary-btn{
  margin-top:49px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:226px;
  height:45px;
  border-radius:3px;
  color:#fff;
  background:var(--blue);
  font-size:var(--fs-button);
  font-weight:700;
}
.help-block{
  margin-top:54px;
  text-align:center;
}
.help-icon{color:var(--blue);font-size:35px;margin-bottom:11px}
.help-block h3{
  margin:0 0 12px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:var(--fs-help-title);
  line-height:1;
  color:var(--blue);
  font-weight:600;
  letter-spacing:-.02em;
}
.help-actions{
  display:flex;
  gap:24px;
  justify-content:center;
  align-items:center;
}
.outline-btn,.solid-btn{
  width:305px;height:46px;
  border-radius:8px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:14px;
  font-size:var(--fs-button);
  font-weight:700;
}
.outline-btn{border:2px solid var(--blue);color:var(--blue);background:#fff}
.solid-btn{background:var(--blue);border:2px solid var(--blue);color:#fff}
.solid-btn i{font-size:23px}

/* Footer */
.site-footer{
  border-top:1px solid #d0d0d0;
  background:#fff;
  min-height:196px;
  color:#787878;
  padding:36px 23px 16px;
}
.footer-main{
  display:grid;
  grid-template-columns:330px 420px 1fr 1fr 1fr 1.1fr;
  column-gap:30px;
  align-items:start;
}
.footer-logo-wrap img{width:300px}
.footer-tagline{
  margin:1px 0 0;
  font-size:var(--fs-footer-text);
  line-height:1.55;
}
.footer-col h4,.footer-social h4{
  margin:0 0 16px;
  color:var(--blue);
  font-size:var(--fs-footer-title);
  font-weight:800;
}
.footer-col a{
  display:block;
  color:#777;
  font-size:var(--fs-footer-text);
  margin-left:49px;
}
.footer-social{text-align:right}
.social-icons{display:flex;justify-content:flex-end;gap:21px;margin-top:14px}
.social-icons a{
  width:31px;height:31px;
  border-radius:50%;
  background:#000;
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:17px;
}
.footer-bottom{
  display:flex;
  justify-content:space-between;
  align-items:center;
  margin-top:28px;
  font-size:var(--fs-footer-text);
}
.footer-bottom p{margin:0}


/* Source-page desktop lock: keep the same typography scale through desktop/tablet widths. */
@media (min-width:861px){
  .main-nav{font-size:var(--fs-nav)}
  .hero-content h1{font-size:var(--fs-hero-title)}
  .hero-content h2{font-size:var(--fs-hero-subtitle)}
  .hero-copy{font-size:var(--fs-hero-copy)}
  .feature-item{font-size:var(--fs-hero-feature)}
  .requirements-link{font-size:var(--fs-hero-link)}
  .section-heading .section-kicker{font-size:var(--fs-doc-kicker)}
  .section-heading h2{font-size:var(--fs-doc-title)}
  .section-heading p:not(.section-kicker){font-size:var(--fs-doc-subtitle)}
  .doc-title h3{font-size:var(--fs-card-title)}
  .doc-card ul{font-size:var(--fs-card-body)}
  .attention-bar p{font-size:var(--fs-attention-copy)}
  .continue-inner .section-kicker{font-size:var(--fs-continue-kicker)}
  .continue-inner h2{font-size:var(--fs-continue-title)}
  .continue-copy{font-size:var(--fs-continue-copy)}
  .help-block h3{font-size:var(--fs-help-title)}
}

@media (max-width:1200px){
  .site-header{padding:0 30px}
  .main-nav{gap:18px;margin-right:35px;font-size:14px}
  .hero-content{width:680px;padding-left:35px}
  .hero-features{width:640px;column-gap:20px}
  .document-cards{grid-template-columns:repeat(2,1fr)}
  .documents-section{min-height:auto;padding-bottom:32px}
  .footer-main{grid-template-columns:1fr 1fr 1fr;row-gap:30px}
  .footer-social{text-align:left}.social-icons{justify-content:flex-start}
}
@media (max-width:860px){
  .site-header{position:absolute;height:74px;padding:0 18px;background:rgba(255,255,255,.88);backdrop-filter:blur(8px)}
  .brand img{width:170px}
  .nav-toggle{display:flex;margin-left:auto}
  .main-nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;gap:17px;margin:0;box-shadow:0 10px 25px rgba(0,0,0,.12)}
  .main-nav.open{display:flex}
  .nav-item{width:100%}
  .nav-dropdown-trigger{padding:0}
  .submenu{position:static;width:100%;margin-top:14px}
  .nav-dropdown .submenu{display:none}
  .nav-dropdown:focus-within .submenu,.nav-dropdown:hover .submenu{display:flex}
  .submenu a{height:40px;font-size:13px;padding:0 18px}
  .apply-top{display:none}
  .hero-section{height:auto;min-height:auto;background-position:center right;background-size:cover}
  .hero-section:before{content:"";position:absolute;inset:0;background:rgba(255,255,255,.76)}
  .hero-content{padding:112px 22px 70px;width:auto}
  .hero-content h1{font-size:52px}
  .hero-content h2{font-size:42px}
  .hero-copy{font-size:18px;margin-top:28px}
  .hero-features{width:auto;grid-template-columns:1fr;row-gap:20px;margin-top:34px}
  .feature-item.canada{grid-column:auto}
  .requirements-link{font-size:30px;margin-left:0;margin-top:38px}
  .documents-section{padding:48px 18px 0}
  .section-heading h2{font-size:50px}
  .section-heading p:not(.section-kicker){font-size:18px}
  .document-cards{grid-template-columns:1fr}
  .attention-bar{margin:26px -18px 0;padding:20px;gap:15px}
  .attention-bar p{font-size:16px}
  .continue-inner h2{font-size:52px}
  .continue-copy{font-size:18px}.desktop-break{display:none}
  .help-actions{flex-direction:column;gap:12px}.outline-btn,.solid-btn{width:100%;max-width:330px}
  .footer-main{grid-template-columns:1fr;gap:24px}.footer-col a{margin-left:0}.footer-bottom{display:block;font-size:15px;line-height:1.6}.footer-bottom p+p{margin-top:10px}
}

/* Font Awesome 5 compatibility fixes for exact original icons */
.hero-fa.fas,
.hero-fa.far,
.hero-fa.fab{
  display:inline-flex !important;
  align-items:center;
  justify-content:center;
  flex:0 0 60px;
  width:60px;
  height:60px;
  line-height:1;
  text-align:center;
  visibility:visible !important;
}
.hero-fa-blue{color:#0089c4 !important;}
.hero-fa-black{color:#000 !important;}
.requirements-link .fas{font-size:.86em; transform:translateY(2px);}
.x-social{font-family:Arial, Helvetica, sans-serif;font-weight:800;font-size:13px;line-height:1;display:inline-flex;align-items:center;justify-content:center;}


/* v18: informational pages, contact details, and navigation links */
.main-nav > a.current-page{color:var(--blue);}
.footer-contact-mini{margin:14px 0 0;color:#777;font-size:14px;line-height:1.45;max-width:360px;}
.footer-contact-mini p{margin:3px 0;}
.footer-contact-mini a{color:#777;text-decoration:none;}
.footer-bottom a{color:#777;text-decoration:none;}
.content-page{background:#fff;color:#111;font-family:'Roboto',Arial,sans-serif;}
.content-hero{
  min-height:360px;
  padding:140px 56px 58px;
  background:linear-gradient(90deg, rgba(255,255,255,1) 0%, rgba(255,255,255,.96) 50%, rgba(235,248,255,.85) 100%);
  border-bottom:1px solid #e4e4e4;
}
.content-hero .section-kicker{font-size:20px;letter-spacing:.18em;}
.content-hero h1{
  margin:22px 0 16px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:78px;
  line-height:.9;
  font-weight:600;
  letter-spacing:-.03em;
  color:#000;
}
.content-hero p:not(.section-kicker){
  max-width:920px;
  margin:0;
  color:#757575;
  font-size:22px;
  line-height:1.45;
}
.content-section{padding:58px 56px 76px;}
.content-card{
  max-width:1180px;
  margin:0 auto;
  background:#fff;
  border:1px solid #eeeeee;
  box-shadow:0 1px 12px rgba(0,0,0,.10);
  border-radius:10px;
  padding:42px 48px;
}
.content-card h2{
  margin:0 0 24px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:52px;
  line-height:1;
  color:#000;
  font-weight:600;
}
.content-prose p,
.content-prose li{
  color:#6f6f6f;
  font-size:18px;
  line-height:1.7;
}
.content-prose p{margin:0 0 20px;}
.privacy-prose ol{margin:14px 0 22px;padding-left:24px;}
.privacy-prose li{margin-bottom:18px;padding-left:7px;}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.contact-item{
  min-height:132px;
  border:1px solid #e7e7e7;
  border-radius:10px;
  padding:24px;
  background:#fdfdfd;
}
.contact-item span{display:block;color:var(--blue);font-weight:800;font-size:17px;margin-bottom:14px;}
.contact-item a,.contact-item p{margin:0;color:#6f6f6f;font-size:20px;line-height:1.45;word-break:break-word;}
@media (max-width:860px){
  .content-hero{padding:112px 22px 42px;min-height:auto;}
  .content-hero h1{font-size:54px;}
  .content-hero p:not(.section-kicker){font-size:18px;}
  .content-section{padding:34px 18px 52px;}
  .content-card{padding:30px 22px;}
  .content-card h2{font-size:42px;}
  .content-prose p,.content-prose li{font-size:16px;}
  .contact-grid{grid-template-columns:1fr;}
}


/* v19: premium informational pages + cache-busted stylesheet */
body.info-page{
  background:#fff;
  color:#111;
  font-family:'Roboto',Arial,sans-serif;
}
body.info-page .site-header{
  position:relative;
  height:92px;
  background:#fff;
  border-bottom:1px solid rgba(0,0,0,.06);
  box-shadow:0 1px 10px rgba(0,0,0,.035);
}
body.info-page .brand img{width:250px;}
body.info-page .content-page{
  background:#fff;
  color:#111;
  font-family:'Roboto',Arial,sans-serif;
}
body.info-page .content-hero{
  min-height:auto;
  padding:70px 56px 58px;
  background:
    radial-gradient(circle at 85% 20%, rgba(7,135,198,.12), rgba(255,255,255,0) 34%),
    linear-gradient(90deg, #fff 0%, #fff 52%, #f4fbff 100%);
  border-bottom:1px solid #e8e8e8;
}
.content-container{
  width:min(1280px, calc(100vw - 112px));
  margin:0 auto;
}
body.info-page .content-hero .section-kicker{
  display:block;
  margin:0 0 19px;
  color:var(--blue);
  font-size:18px;
  font-weight:700;
  letter-spacing:.16em;
  line-height:1;
  text-transform:uppercase;
}
body.info-page .content-hero h1{
  margin:0 0 18px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:76px;
  line-height:.92;
  font-weight:600;
  letter-spacing:-.035em;
  color:#000;
}
body.info-page .content-hero p:not(.section-kicker){
  max-width:920px;
  margin:0;
  color:#717171;
  font-size:22px;
  line-height:1.5;
  font-weight:400;
}
body.info-page .content-section{
  padding:58px 56px 82px;
  background:#fff;
}
body.info-page .content-card{
  width:min(1280px, calc(100vw - 112px));
  margin:0 auto;
  background:#fff;
  border:1px solid #ececec;
  border-radius:14px;
  box-shadow:0 8px 28px rgba(0,0,0,.075);
  padding:48px 54px;
}
body.info-page .content-card h2{
  margin:0 0 24px;
  font-family:'Cormorant Garamond',Georgia,serif;
  font-size:52px;
  line-height:1;
  font-weight:600;
  letter-spacing:-.025em;
  color:#000;
}
body.info-page .content-prose p,
body.info-page .content-prose li{
  color:#686868;
  font-size:18px;
  line-height:1.75;
  font-weight:400;
}
body.info-page .content-prose p{margin:0 0 22px;}
body.info-page .content-prose p:last-child{margin-bottom:0;}
body.info-page .content-prose a{color:var(--blue);font-weight:700;text-decoration:none;}
body.info-page .privacy-prose ol{margin:18px 0 24px;padding-left:26px;}
body.info-page .privacy-prose li{margin-bottom:18px;padding-left:8px;}
body.info-page .privacy-prose{overflow-wrap:anywhere;}
body.info-page .contact-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
body.info-page .contact-item{
  min-height:150px;
  border:1px solid #e6e6e6;
  border-radius:12px;
  padding:28px;
  background:linear-gradient(180deg,#fff 0%,#fbfdff 100%);
}
body.info-page .contact-item span{
  display:block;
  margin:0 0 14px;
  color:var(--blue);
  font-size:16px;
  line-height:1;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.04em;
}
body.info-page .contact-item a,
body.info-page .contact-item p{
  margin:0;
  color:#666;
  font-size:20px;
  line-height:1.45;
  word-break:normal;
  overflow-wrap:anywhere;
}
body.info-page .site-footer{margin-top:0;}
.footer-contact-mini{display:none !important;}

@media (max-width:1200px){
  body.info-page .site-header{padding:0 30px;}
  body.info-page .content-hero{padding:58px 34px 48px;}
  body.info-page .content-section{padding:44px 34px 68px;}
  .content-container,
  body.info-page .content-card{width:100%;}
  body.info-page .contact-grid{grid-template-columns:1fr;}
}
@media (max-width:860px){
  body.info-page .site-header{position:relative;height:74px;background:#fff;}
  body.info-page .brand img{width:170px;}
  body.info-page .main-nav{top:74px;}
  body.info-page .content-hero{padding:48px 22px 38px;}
  body.info-page .content-hero .section-kicker{font-size:14px;letter-spacing:.14em;}
  body.info-page .content-hero h1{font-size:52px;}
  body.info-page .content-hero p:not(.section-kicker){font-size:18px;}
  body.info-page .content-section{padding:28px 18px 52px;}
  body.info-page .content-card{padding:30px 22px;border-radius:12px;}
  body.info-page .content-card h2{font-size:40px;}
  body.info-page .content-prose p,
  body.info-page .content-prose li{font-size:16px;line-height:1.65;}
  body.info-page .contact-item{padding:22px;min-height:auto;}
  body.info-page .contact-item a,
  body.info-page .contact-item p{font-size:17px;}
}


/* v20: premium informational pages */
body.info-page .site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px)}
body.info-page .content-page.premium-info-page{background:linear-gradient(180deg,#fff 0%,#fbfdff 100%)}
body.info-page .premium-info-hero{
  position:relative;
  padding:60px 56px 42px;
  overflow:hidden;
  background:
    radial-gradient(circle at 15% 20%, rgba(7,135,198,.10), rgba(255,255,255,0) 26%),
    linear-gradient(90deg,#ffffff 0%,#ffffff 52%,#f4fbff 100%);
  border-bottom:1px solid #ebeff3;
}
body.info-page .premium-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(380px,.95fr);
  gap:54px;
  align-items:center;
}
body.info-page .premium-hero-copy{padding:24px 0 24px;position:relative;z-index:2}
body.info-page .premium-hero-copy h1{font-size:78px;line-height:.92;margin:0 0 16px}
body.info-page .premium-hero-copy p:not(.section-kicker){font-size:22px;max-width:760px}
body.info-page .hero-chip-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
body.info-page .hero-chip{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border-radius:999px;background:#fff;border:1px solid rgba(7,135,198,.16);color:#4f6775;font-size:14px;font-weight:700;box-shadow:0 10px 25px rgba(3,121,183,.08)}
body.info-page .hero-chip i{color:var(--blue)}
body.info-page .premium-hero-media{position:relative;min-height:520px}
body.info-page .hero-image-shell{position:relative;height:100%;min-height:520px;border-radius:30px;overflow:hidden;box-shadow:0 24px 60px rgba(0,0,0,.15);background:#dceffc}
body.info-page .hero-image-shell::before{content:'';position:absolute;inset:0;background:linear-gradient(180deg, rgba(255,255,255,.04) 0%, rgba(0,0,0,.03) 100%);z-index:1}
body.info-page .hero-image-shell img{width:100%;height:100%;object-fit:cover}
body.info-page .hero-floating-card{position:absolute;left:-16px;bottom:28px;z-index:3;background:rgba(255,255,255,.96);border:1px solid rgba(7,135,198,.14);border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.12);padding:18px 20px;max-width:250px}
body.info-page .hero-floating-card .label{display:block;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:7px}
body.info-page .hero-floating-card strong{display:block;color:#101010;font-size:21px;line-height:1.2;margin-bottom:8px}
body.info-page .hero-floating-card p{margin:0;color:#6d7780;font-size:14px;line-height:1.5}
body.info-page .premium-content-section{padding:64px 56px 90px}
body.info-page .premium-info-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:28px;align-items:start}
body.info-page .premium-main-card{padding:46px 48px;border-radius:24px;border:1px solid #e8edf1;box-shadow:0 20px 45px rgba(17,37,62,.08)}
body.info-page .premium-main-card h2{font-size:54px;margin-bottom:20px}
body.info-page .premium-side-stack{display:grid;gap:20px}
body.info-page .insight-card{background:linear-gradient(180deg,#fff 0%,#f7fbff 100%);border:1px solid #e6eef5;border-radius:22px;padding:24px 24px 22px;box-shadow:0 14px 34px rgba(12,44,84,.06)}
body.info-page .insight-card .insight-kicker{display:flex;align-items:center;gap:10px;color:var(--blue);font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
body.info-page .insight-card h3{margin:0 0 10px;font-size:28px;line-height:1.1;font-family:'Cormorant Garamond',Georgia,serif;color:#111;font-weight:600}
body.info-page .insight-card p{margin:0;color:#6d7580;font-size:16px;line-height:1.65}
body.info-page .check-list{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:12px}
body.info-page .check-list li{position:relative;padding-left:28px;color:#68727b;font-size:16px;line-height:1.55}
body.info-page .check-list li::before{content:'00c';font-family:'Font Awesome 5 Free';font-weight:900;position:absolute;left:0;top:1px;color:var(--blue)}
body.info-page .metric-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:16px}
body.info-page .metric-box{background:#fff;border:1px solid #e7edf4;border-radius:18px;padding:16px 14px}
body.info-page .metric-box span{display:block;color:var(--blue);font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:5px}
body.info-page .metric-box strong{display:block;color:#121212;font-size:26px;font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;line-height:1}
body.info-page .metric-box p{margin:8px 0 0;color:#6c7580;font-size:14px;line-height:1.45}
body.info-page .info-contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:8px}
body.info-page .info-contact-card{background:linear-gradient(180deg,#fff 0%,#f8fbff 100%);border:1px solid #e5edf5;border-radius:20px;padding:24px;box-shadow:0 14px 30px rgba(12,44,84,.06)}
body.info-page .info-contact-card .icon{width:50px;height:50px;border-radius:14px;background:rgba(7,135,198,.1);display:inline-flex;align-items:center;justify-content:center;color:var(--blue);font-size:20px;margin-bottom:16px}
body.info-page .info-contact-card span{display:block;color:var(--blue);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px}
body.info-page .info-contact-card h3{margin:0 0 10px;font-family:'Cormorant Garamond',Georgia,serif;font-size:34px;line-height:1;color:#121212;font-weight:600}
body.info-page .info-contact-card p, body.info-page .info-contact-card a{margin:0;color:#6c7580;font-size:18px;line-height:1.55;word-break:break-word}
body.info-page .note-banner{margin-top:22px;padding:18px 22px;border-radius:18px;background:linear-gradient(90deg,rgba(7,135,198,.08) 0%,rgba(7,135,198,.03) 100%);border:1px solid rgba(7,135,198,.14);display:flex;align-items:flex-start;gap:14px}
body.info-page .note-banner i{color:var(--blue);font-size:18px;transform:translateY(2px)}
body.info-page .note-banner p{margin:0;color:#61707d;font-size:16px;line-height:1.6}
body.info-page .fade-up{opacity:0;transform:translateY(22px);animation:fadeUp .75s cubic-bezier(.2,.8,.2,1) forwards}
body.info-page .delay-2{animation-delay:.12s}
body.info-page .delay-3{animation-delay:.24s}
@keyframes fadeUp{to{opacity:1;transform:none}}
@media (max-width:1200px){
 body.info-page .premium-info-hero{padding:54px 34px 38px}
 body.info-page .premium-hero-grid{grid-template-columns:1fr;gap:26px}
 body.info-page .premium-hero-media{min-height:auto}
 body.info-page .hero-image-shell{min-height:360px}
 body.info-page .premium-content-section{padding:46px 34px 72px}
 body.info-page .premium-info-grid{grid-template-columns:1fr}
 body.info-page .info-contact-grid{grid-template-columns:1fr}
}
@media (max-width:860px){
 body.info-page .premium-info-hero{padding:38px 18px 28px}
 body.info-page .premium-hero-copy h1{font-size:54px}
 body.info-page .premium-hero-copy p:not(.section-kicker){font-size:18px}
 body.info-page .hero-chip-row{gap:10px;margin-top:22px}
 body.info-page .hero-chip{font-size:13px;padding:9px 14px}
 body.info-page .premium-hero-media{display:none}
 body.info-page .premium-content-section{padding:30px 18px 52px}
 body.info-page .premium-main-card{padding:30px 22px;border-radius:18px}
 body.info-page .premium-main-card h2{font-size:40px}
 body.info-page .insight-card h3{font-size:24px}
 body.info-page .metric-row{grid-template-columns:1fr}
}


/* v21: refined premium informational pages - cleaner spacing, no overlap, responsive */
body.info-page .site-header{
  position:sticky;
  top:0;
  z-index:80;
  height:88px;
  padding:0 56px 0 66px;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid rgba(7,135,198,.08);
  box-shadow:0 8px 24px rgba(17,37,62,.045);
  backdrop-filter:blur(12px);
}
body.info-page .brand img{width:236px;}
body.info-page .main-nav{margin-right:72px;gap:28px;}
body.info-page .content-page.premium-info-page{
  background:linear-gradient(180deg,#fff 0%,#fbfdff 100%);
  overflow:hidden;
}
body.info-page .content-container{
  width:min(1180px, calc(100vw - 96px));
  margin:0 auto;
}
body.info-page .premium-info-hero{
  position:relative;
  padding:46px 56px 34px;
  background:
    radial-gradient(circle at 12% 18%, rgba(7,135,198,.08), rgba(255,255,255,0) 24%),
    radial-gradient(circle at 92% 16%, rgba(7,135,198,.09), rgba(255,255,255,0) 30%),
    linear-gradient(90deg,#fff 0%,#fff 54%,#f7fcff 100%);
  border-bottom:1px solid #edf2f6;
}
body.info-page .premium-info-hero::after{
  content:'';
  position:absolute;
  left:56px;
  right:56px;
  bottom:0;
  height:1px;
  background:linear-gradient(90deg,rgba(7,135,198,.12),rgba(7,135,198,0));
}
body.info-page .premium-hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) 430px;
  gap:46px;
  align-items:center;
}
body.info-page .premium-hero-copy{
  padding:16px 0;
  min-width:0;
}
body.info-page .premium-hero-copy .section-kicker{
  margin-bottom:16px;
  font-size:15px;
  letter-spacing:.16em;
  font-weight:700;
}
body.info-page .premium-hero-copy h1{
  margin:0 0 13px;
  font-size:64px;
  line-height:.96;
  letter-spacing:-.025em;
}
body.info-page .premium-hero-copy p:not(.section-kicker){
  max-width:680px;
  color:#66727c;
  font-size:19px;
  line-height:1.55;
}
body.info-page .hero-chip-row{
  margin-top:24px;
  gap:10px;
}
body.info-page .hero-chip{
  padding:9px 14px;
  border-radius:999px;
  border:1px solid rgba(7,135,198,.14);
  background:rgba(255,255,255,.82);
  color:#5f6f7b;
  box-shadow:0 8px 18px rgba(3,121,183,.055);
  font-size:13px;
  font-weight:700;
}
body.info-page .premium-hero-media{
  min-height:330px;
  min-width:0;
}
body.info-page .hero-image-shell{
  min-height:330px;
  height:330px;
  border-radius:22px;
  box-shadow:0 18px 42px rgba(12,44,84,.13);
}
body.info-page .hero-floating-card{
  left:-12px;
  bottom:22px;
  max-width:235px;
  padding:16px 18px;
  border-radius:18px;
  box-shadow:0 18px 42px rgba(12,44,84,.12);
}
body.info-page .hero-floating-card strong{
  font-size:19px;
  line-height:1.2;
}
body.info-page .hero-floating-card p{
  font-size:13.5px;
}
body.info-page .premium-content-section{
  padding:38px 56px 72px;
  background:linear-gradient(180deg,#fff 0%,#fbfdff 100%);
}
body.info-page .premium-info-grid{
  display:grid;
  grid-template-columns:minmax(0,790px) minmax(280px,330px);
  justify-content:center;
  gap:26px;
  align-items:start;
}
body.info-page .premium-info-grid > *,
body.info-page .premium-main-card,
body.info-page .premium-side-stack{
  min-width:0;
}
body.info-page .premium-main-card{
  width:100% !important;
  max-width:none !important;
  margin:0 !important;
  padding:38px 40px;
  border-radius:20px;
  border:1px solid #e9eff4;
  background:rgba(255,255,255,.98);
  box-shadow:0 16px 38px rgba(17,37,62,.07);
  overflow:hidden;
}
body.info-page .premium-main-card h2{
  margin:0 0 18px;
  font-size:42px;
  line-height:1;
  letter-spacing:-.02em;
}
body.info-page .premium-main-card h2 + p{
  margin-top:0;
}
body.info-page .content-prose p,
body.info-page .content-prose li{
  color:#606a73;
  font-size:17px;
  line-height:1.68;
}
body.info-page .content-prose p{margin:0 0 18px;}
body.info-page .content-prose ol,
body.info-page .content-prose ul{
  margin-top:12px;
  margin-bottom:18px;
}
body.info-page .privacy-prose ol{padding-left:24px;}
body.info-page .privacy-prose li{margin-bottom:13px;padding-left:4px;}
body.info-page .premium-side-stack{
  display:grid;
  gap:18px;
  position:relative;
}
body.info-page .insight-card{
  padding:22px 22px 20px;
  border-radius:18px;
  border:1px solid #e5edf4;
  background:linear-gradient(180deg,#fff 0%,#f9fcff 100%);
  box-shadow:0 12px 28px rgba(12,44,84,.055);
}
body.info-page .insight-card .insight-kicker{
  margin-bottom:10px;
  font-size:12px;
  letter-spacing:.12em;
}
body.info-page .insight-card h3{
  margin-bottom:9px;
  font-size:25px;
}
body.info-page .insight-card p,
body.info-page .check-list li{
  font-size:15px;
  line-height:1.58;
  color:#64727e;
}
body.info-page .check-list{gap:10px;}
body.info-page .metric-row{gap:12px;margin-top:14px;}
body.info-page .metric-box{
  padding:14px 13px;
  border-radius:16px;
}
body.info-page .metric-box strong{font-size:23px;}
body.info-page .metric-box p{font-size:13px;}
body.info-page .info-contact-grid{
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:16px;
}
body.info-page .info-contact-card{
  padding:22px;
  border-radius:18px;
  box-shadow:0 12px 26px rgba(12,44,84,.055);
}
body.info-page .info-contact-card .icon{
  width:46px;
  height:46px;
  margin-bottom:14px;
}
body.info-page .info-contact-card h3{font-size:28px;}
body.info-page .info-contact-card p,
body.info-page .info-contact-card a{font-size:16px;}
body.info-page .note-banner{
  margin-top:18px;
  padding:16px 18px;
  border-radius:16px;
}
body.info-page .note-banner p{font-size:15px;}

@media (max-width:1200px){
  body.info-page .site-header{padding:0 30px;height:84px;}
  body.info-page .brand img{width:210px;}
  body.info-page .main-nav{gap:18px;margin-right:30px;}
  body.info-page .content-container{width:min(100%, calc(100vw - 64px));}
  body.info-page .premium-info-hero{padding:42px 32px 32px;}
  body.info-page .premium-hero-grid{grid-template-columns:minmax(0,1fr) 360px;gap:32px;}
  body.info-page .premium-hero-copy h1{font-size:56px;}
  body.info-page .premium-hero-copy p:not(.section-kicker){font-size:18px;}
  body.info-page .premium-hero-media{min-height:300px;}
  body.info-page .hero-image-shell{height:300px;min-height:300px;}
  body.info-page .premium-content-section{padding:34px 32px 64px;}
  body.info-page .premium-info-grid{grid-template-columns:minmax(0,1fr);gap:22px;}
  body.info-page .premium-side-stack{grid-template-columns:repeat(2,minmax(0,1fr));}
  body.info-page .info-contact-grid{grid-template-columns:1fr;}
}
@media (max-width:860px){
  body.info-page .site-header{height:74px;padding:0 18px;}
  body.info-page .brand img{width:170px;}
  body.info-page .main-nav{top:74px;}
  body.info-page .content-container{width:100%;}
  body.info-page .premium-info-hero{padding:32px 18px 26px;}
  body.info-page .premium-info-hero::after{left:18px;right:18px;}
  body.info-page .premium-hero-grid{grid-template-columns:1fr;gap:20px;}
  body.info-page .premium-hero-copy{padding:4px 0;}
  body.info-page .premium-hero-copy .section-kicker{font-size:13px;margin-bottom:13px;}
  body.info-page .premium-hero-copy h1{font-size:46px;line-height:.98;}
  body.info-page .premium-hero-copy p:not(.section-kicker){font-size:17px;line-height:1.55;}
  body.info-page .hero-chip-row{margin-top:18px;}
  body.info-page .hero-chip{font-size:12.5px;padding:8px 12px;}
  body.info-page .premium-hero-media{display:block;min-height:auto;}
  body.info-page .hero-image-shell{height:220px;min-height:220px;border-radius:18px;}
  body.info-page .hero-floating-card{position:relative;left:auto;bottom:auto;margin:-34px 14px 0;max-width:none;}
  body.info-page .premium-content-section{padding:24px 18px 46px;}
  body.info-page .premium-main-card{padding:26px 20px;border-radius:16px;}
  body.info-page .premium-main-card h2{font-size:34px;}
  body.info-page .content-prose p,
  body.info-page .content-prose li{font-size:15.5px;line-height:1.62;}
  body.info-page .premium-side-stack{grid-template-columns:1fr;gap:14px;}
  body.info-page .insight-card{padding:20px;border-radius:16px;}
  body.info-page .insight-card h3{font-size:23px;}
  body.info-page .footer-main{grid-template-columns:1fr;}
}
@media (max-width:520px){
  body.info-page .premium-hero-copy h1{font-size:40px;}
  body.info-page .hero-chip-row{display:grid;grid-template-columns:1fr;}
  body.info-page .hero-image-shell{height:190px;min-height:190px;}
  body.info-page .premium-main-card{padding:24px 18px;}
}