:root{
  --navy:#061a38;--navy2:#0b2c58;--blue:#174a8b;--red:#c8102e;--red-dark:#9d0c24;
  --white:#fff;--ink:#111827;--muted:#5d6b7d;--soft:#f5f7fa;--soft2:#eef2f7;--line:#d9e0e8;
  --gold:#c7a45a;--gold-soft:#f0dfad;--shadow:0 10px 28px rgba(6,26,56,.09);--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.58;background:#fff}a{color:inherit;text-decoration:none}img{max-width:100%;display:block}button,input,select{font:inherit}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:9999;background:#fff;color:#000;padding:9px 13px;border:2px solid var(--red)}
.topline{background:#020a16;color:#cdd8e5;border-bottom:1px solid rgba(255,255,255,.08);font-size:10px;letter-spacing:.12em;text-transform:uppercase}.topline .wrap{height:30px;display:flex;align-items:center;justify-content:space-between;gap:16px}.mini-flag{display:flex;align-items:center;gap:9px}.mini-flag img{width:27px;height:16px;border:1px solid rgba(255,255,255,.35)}.status-dot{display:inline-block;width:5px;height:5px;background:var(--red);margin-right:6px}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 4px 18px rgba(0,0,0,.16)}.header-main{min-height:70px;display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center}.brand{display:flex;align-items:center;gap:10px;white-space:nowrap}.brand img{width:40px;height:40px;object-fit:contain;flex:0 0 40px}.brand-text strong{font-family:Georgia,'Times New Roman',serif;font-size:22px;letter-spacing:-.02em;display:block}.brand-text span{font-size:8px;letter-spacing:.21em;text-transform:uppercase;color:var(--gold-soft)}.nav{display:flex;justify-content:center;gap:18px;font-size:12px;font-weight:800}.nav a{height:70px;display:flex;align-items:center;border-bottom:3px solid transparent}.nav a:hover,.nav a.active{border-color:var(--red)}.header-actions{display:flex;gap:8px;align-items:center}.compare-button{background:var(--red);padding:9px 12px;font-size:9px;letter-spacing:.12em;text-transform:uppercase;font-weight:900}.icon-btn{border:1px solid rgba(255,255,255,.25);background:transparent;color:#fff;width:35px;height:35px;cursor:pointer}.menu-open{display:none}.flag-rail{height:4px;background:linear-gradient(90deg,var(--red) 0 25%,#fff 25% 30%,var(--blue) 30% 70%,#fff 70% 75%,var(--red) 75%)}
.topic-nav{background:#fff;border-bottom:1px solid var(--line)}.topic-nav .wrap{display:flex;align-items:center;gap:0;overflow:auto}.topic-nav a{padding:10px 14px;border-right:1px solid var(--line);font-size:11px;font-weight:800;color:#334155;white-space:nowrap}.topic-nav a:first-child{border-left:1px solid var(--line)}.topic-nav a:hover{color:var(--red);background:#fafbfc}
.hero-compact{background:linear-gradient(112deg,var(--navy) 0 62%,#0b2b56 62% 100%);color:#fff;border-bottom:1px solid #102f5b}.hero-compact .wrap{display:grid;grid-template-columns:1.4fr .6fr;gap:38px;align-items:center;min-height:350px;padding-top:46px;padding-bottom:46px}.eyebrow,.kicker{font-size:10px;text-transform:uppercase;letter-spacing:.18em;font-weight:900}.eyebrow{color:var(--gold-soft)}.kicker{color:var(--red)}h1,h2,h3,h4{font-family:Georgia,'Times New Roman',serif;margin:0;line-height:1.12}h1{font-size:clamp(38px,4.3vw,56px);letter-spacing:-.035em}.hero-compact h1{max-width:760px;margin:11px 0 15px}.hero-compact p{font-size:17px;max-width:730px;color:#d8e2ee;margin:0 0 22px}.hero-actions{display:flex;gap:10px;flex-wrap:wrap}.btn{min-height:42px;padding:0 15px;display:inline-flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.34);font-size:10px;font-weight:900;letter-spacing:.09em;text-transform:uppercase}.btn.primary{background:var(--red);border-color:var(--red)}.btn.light{background:#fff;border-color:#fff;color:var(--navy)}.hero-panel{border:1px solid rgba(255,255,255,.2);background:rgba(0,0,0,.12);padding:22px;position:relative;overflow:hidden}.hero-panel:after{content:"";position:absolute;right:-45px;bottom:-52px;width:150px;height:150px;border:25px solid rgba(200,16,46,.68);transform:rotate(24deg)}.hero-panel .panel-title{font-family:Georgia,serif;font-size:23px;margin-bottom:12px}.quick-links{display:grid;gap:0;position:relative;z-index:2}.quick-links a{padding:9px 0;border-top:1px solid rgba(255,255,255,.13);font-size:12px;font-weight:800;color:#e5edf6}.quick-links a span{color:var(--gold-soft);margin-right:8px}
.page-hero{background:var(--navy);color:#fff;padding:34px 0 36px;border-bottom:4px solid var(--red)}.breadcrumb{font-size:10px;color:#9fb1c6;margin-bottom:12px}.breadcrumb a{color:#dbe6f2}.page-hero h1{font-size:clamp(34px,4vw,48px);max-width:900px;margin:8px 0 10px}.page-hero p{max-width:780px;color:#d1deeb;margin:0;font-size:15px}
.section{padding:54px 0}.section.alt{background:var(--soft)}.section.dark{background:var(--navy);color:#fff}.section-head{display:flex;justify-content:space-between;gap:35px;align-items:end;margin-bottom:25px}.section-head h2{font-size:clamp(29px,3.3vw,40px);letter-spacing:-.025em;margin-top:7px}.section-head p{max-width:500px;margin:0;color:var(--muted);font-size:14px}.dark .section-head p{color:#bfd0e1}
.route-grid{display:grid;grid-template-columns:repeat(6,1fr);border-top:3px solid var(--navy);border-left:1px solid var(--line);background:#fff}.route-card{padding:18px 16px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);min-height:145px;display:flex;flex-direction:column}.route-card .n{font-size:9px;color:var(--red);font-weight:900;letter-spacing:.08em}.route-card h3{font-size:18px;margin:15px 0 7px}.route-card p{font-size:12px;color:var(--muted);margin:0 0 12px}.route-card .arrow{margin-top:auto;color:var(--red);font-weight:900;font-size:12px}.route-card:hover{background:#fafbfd}
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.panel{border:1px solid var(--line);background:#fff;padding:26px;box-shadow:0 6px 18px rgba(6,26,56,.04)}.panel.navy{background:var(--navy);color:#fff;border-color:var(--navy)}.panel.redline{border-top:4px solid var(--red)}.panel h3{font-size:27px;margin:6px 0 12px}.panel p{color:var(--muted);font-size:13px}.panel.navy p{color:#c2d2e2}.link-list{display:grid;margin-top:16px}.link-list a{padding:11px 0;border-top:1px solid var(--line);font-size:13px;font-weight:800;display:flex;justify-content:space-between;gap:10px}.panel.navy .link-list a{border-color:rgba(255,255,255,.14)}.link-list a:after{content:"→";color:var(--red)}.panel.navy .link-list a:after{color:var(--gold-soft)}
.business-types{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.type-card{border:1px solid var(--line);padding:20px;background:#fff;min-height:135px}.type-card b{font-family:Georgia,serif;font-size:20px}.type-card p{font-size:12px;color:var(--muted);margin:8px 0 12px}.type-card a{font-size:11px;color:var(--red);font-weight:900}
.directory{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.bank-card{border:1px solid var(--line);background:#fff;padding:20px;display:flex;flex-direction:column;min-height:210px}.bank-top{display:flex;align-items:center;gap:11px}.bank-top h3{font-size:22px}.bank-mark{width:37px;height:37px;display:grid;place-items:center;border:1px solid var(--line);background:var(--soft2);font-family:Georgia,serif;font-weight:700;color:var(--navy)}.labels{display:flex;flex-wrap:wrap;gap:6px;margin:12px 0}.labels span,.tag{background:#edf2f7;padding:4px 7px;font-size:9px;letter-spacing:.05em;text-transform:uppercase;font-weight:900;color:#42526a}.bank-card p{font-size:12px;color:var(--muted);margin:0 0 14px}.bank-card a{margin-top:auto;color:var(--red);font-size:11px;font-weight:900}.filter-row{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:20px}.filter-button{border:1px solid var(--line);background:#fff;padding:8px 11px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.07em;cursor:pointer}.filter-button.active,.filter-button:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.compact-table{border-top:3px solid var(--red);border-left:1px solid var(--line);overflow:auto;background:#fff}.trow{min-width:850px;display:grid;grid-template-columns:1.3fr .9fr 1fr 1fr 110px;gap:14px;padding:14px 16px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);align-items:center;font-size:12px}.trow.head{background:var(--navy);color:#fff;font-size:9px;text-transform:uppercase;letter-spacing:.1em;font-weight:900}.trow b{font-size:13px}.trow a{color:var(--red);font-weight:900}
.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.article-card{border:1px solid var(--line);background:#fff;padding:21px;min-height:210px;display:flex;flex-direction:column;position:relative}.article-card:before{content:"";position:absolute;left:-1px;right:-1px;top:-1px;height:4px;background:var(--navy)}.article-card.red:before{background:var(--red)}.article-meta{font-size:9px;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--red);margin:7px 0 10px}.article-card h3{font-size:21px}.article-card p{font-size:12px;color:var(--muted);margin:10px 0 15px}.article-card a{margin-top:auto;font-size:11px;font-weight:900;color:var(--red)}
.notice{border-left:4px solid var(--gold);background:#fff8e7;padding:13px 15px;font-size:12px;color:#4a5568;margin-bottom:22px}.notice strong{color:#263244}.stats-band{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);background:#fff}.stat{padding:18px;border-right:1px solid var(--line)}.stat:last-child{border-right:0}.stat b{display:block;font-family:Georgia,serif;font-size:24px;color:var(--navy)}.stat span{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:40px;align-items:start}.article{max-width:780px}.article .lead{font-size:18px;color:#334155}.article h2{font-size:30px;margin:32px 0 12px}.article h3{font-size:22px;margin:24px 0 10px}.article p{margin:0 0 16px;color:#364152}.article ul{padding-left:20px;color:#364152}.article li{margin:7px 0}.article .callout{background:var(--soft);border-left:4px solid var(--red);padding:16px 18px;margin:22px 0}.article .mini-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:13px}.mini-table th,.mini-table td{border:1px solid var(--line);padding:10px;text-align:left}.mini-table th{background:var(--navy);color:#fff}.sidebox{border:1px solid var(--line);background:#fff;position:sticky;top:105px}.sidebox h3{font-size:18px;padding:15px 16px;background:var(--navy);color:#fff}.sidebox a{display:block;padding:10px 16px;border-top:1px solid var(--line);font-size:11px;font-weight:800}.sidebox a:hover{color:var(--red)}.byline{display:flex;gap:10px;align-items:center;margin:18px 0 24px;padding-bottom:18px;border-bottom:1px solid var(--line);font-size:11px;color:var(--muted)}.author-dot{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-family:Georgia,serif}
.topic-sections{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.topic-box{border:1px solid var(--line);padding:22px;background:#fff}.topic-box h3{font-size:23px;margin-bottom:10px}.topic-box p{font-size:12px;color:var(--muted)}.topic-box ul{margin:10px 0 0;padding-left:18px;font-size:12px;color:#3c4a5e}
.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.tool-card{border:1px solid var(--line);background:#fff;padding:25px}.tool-card h3{font-size:24px}.tool-card p{font-size:12px;color:var(--muted)}.field{margin:13px 0}.field label{display:block;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:5px}.field input{width:100%;padding:10px;border:1px solid var(--line);background:#fafbfc}.result{background:var(--navy);color:#fff;padding:13px;margin-top:15px;font-size:13px;font-weight:800}
.cta-band{background:var(--red);color:#fff}.cta-band .wrap{padding-top:26px;padding-bottom:26px;display:flex;justify-content:space-between;align-items:center;gap:20px}.cta-band h3{font-size:25px}.cta-band p{margin:5px 0 0;color:#ffe6eb;font-size:12px}.cta-band .btn{background:#fff;color:var(--navy);border-color:#fff}
.site-footer{background:#020a16;color:#d5e0ec;padding:42px 0 20px}.footer-top{display:flex;justify-content:space-between;gap:30px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.12)}.footer-top strong{font-family:Georgia,serif;font-size:20px}.footer-top span{max-width:650px;font-size:11px;color:#90a3b8}.footer-grid{display:grid;grid-template-columns:1.7fr repeat(4,1fr);gap:28px;padding:28px 0}.footer-brand p{font-size:11px;color:#90a3b8;max-width:330px}.footer-col b{display:block;color:#fff;font-size:11px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}.footer-col a{display:block;color:#a9b9ca;font-size:11px;padding:4px 0}.footer-col a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:14px;display:flex;justify-content:space-between;gap:20px;font-size:9px;color:#7f92a7}
.search-layer{position:fixed;inset:0;background:rgba(2,10,22,.88);z-index:100;display:none;align-items:flex-start;justify-content:center;padding-top:110px}.search-layer.open{display:flex}.search-box{width:min(720px,calc(100% - 32px));background:#fff;padding:24px;position:relative}.search-box h3{font-size:24px;margin:0 0 12px}.search-box input{width:100%;padding:13px;border:1px solid var(--line)}.search-close{position:absolute;right:13px;top:12px;border:0;background:transparent;font-size:25px;cursor:pointer}.search-hit{display:block;border-top:1px solid var(--line);padding:10px 0}.search-hit b{display:block;font-size:13px}.search-hit small{color:var(--muted)}
@media(max-width:980px){.nav{display:none;position:absolute;left:0;right:0;top:74px;background:var(--navy);padding:10px 20px 20px;flex-direction:column;gap:0;border-top:1px solid rgba(255,255,255,.12)}.nav.open{display:flex}.nav a{height:auto;padding:10px 0}.menu-open{display:block}.header-main{grid-template-columns:auto 1fr auto}.hero-compact .wrap{grid-template-columns:1fr}.hero-panel{max-width:620px}.route-grid{grid-template-columns:repeat(3,1fr)}.business-types{grid-template-columns:repeat(3,1fr)}.directory,.article-grid{grid-template-columns:repeat(2,1fr)}.content-layout{grid-template-columns:1fr}.sidebox{position:static}.footer-grid{grid-template-columns:1.5fr repeat(2,1fr)}.stats-band{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.wrap{width:min(var(--max),calc(100% - 28px))}.topline .wrap>span:last-child{display:none}.header-main{min-height:64px;gap:10px}.brand img{width:31px;height:40px}.brand-text strong{font-size:19px}.brand-text span{display:none}.compare-button{display:none}.topic-nav a{padding:9px 11px}.hero-compact .wrap{padding-top:34px;padding-bottom:34px;min-height:auto}.hero-compact h1{font-size:38px}.hero-compact p{font-size:15px}.section{padding:42px 0}.section-head{display:block}.section-head p{margin-top:10px}.route-grid{grid-template-columns:repeat(2,1fr)}.split-grid,.tool-grid,.topic-sections{grid-template-columns:1fr}.business-types,.directory,.article-grid{grid-template-columns:1fr}.stats-band{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.footer-top,.footer-bottom,.cta-band .wrap{display:block}.footer-top span{display:block;margin-top:8px}.footer-grid{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}.cta-band .btn{margin-top:14px}.page-hero{padding:28px 0 30px}.page-hero h1{font-size:34px}}

/* v3 permanent information architecture */
.nav{gap:12px}.nav a{font-size:11px}.topic-nav a{padding:9px 11px}.taxonomy-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.taxonomy-card{border:1px solid var(--line);background:#fff;padding:20px;min-height:190px}.taxonomy-card h3{font-size:22px;margin:5px 0 10px}.taxonomy-card p{font-size:12px;color:var(--muted)}.taxonomy-card .link-list{margin-top:10px}.provider-count{font-family:Georgia,serif;font-size:42px;color:var(--navy);line-height:1}.provider-group{margin:28px 0 8px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.12em;color:var(--red)}@media(max-width:900px){.taxonomy-grid{grid-template-columns:1fr 1fr}.nav{gap:0}}@media(max-width:600px){.taxonomy-grid{grid-template-columns:1fr}}

/* v5 usability: cards and rows behave like clear navigation targets */
.article-card,.route-card,.type-card,.taxonomy-card,.bank-card,.trow:not(.head){cursor:pointer;transition:transform .14s ease,box-shadow .14s ease,background .14s ease}.article-card:hover,.route-card:hover,.type-card:hover,.taxonomy-card:hover,.bank-card:hover,.trow:not(.head):hover{box-shadow:0 8px 24px rgba(8,28,54,.10);transform:translateY(-1px)}.article-card h3 a,.bank-card h3 a,.bank-card b a{color:inherit}.article-card:focus-visible,.route-card:focus-visible,.type-card:focus-visible,.taxonomy-card:focus-visible,.bank-card:focus-visible,.trow:not(.head):focus-visible{outline:3px solid var(--red);outline-offset:2px}.content-deepener{margin-top:8px}.content-deepener ul{padding-left:22px}.content-deepener li{margin:7px 0}.article-grid{align-items:stretch}.article-card{height:100%}

/* ===== v10 editorial polish ===== */
:root{--navy:#071a33;--navy2:#0c2d55;--red:#c8102e;--gold:#d4b46c;--cream:#f6f2e9;--ink:#152033;--muted:#5e6b7c;--soft:#f4f6f8;--line:#dbe1e8;--max:1200px}
body{font-family:Arial,"Helvetica Neue",Helvetica,sans-serif;letter-spacing:0;background:#fff}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;font-weight:700}
.brand{gap:11px}.brand img{width:34px;height:34px;filter:none}.brand-text strong{font-size:20px;letter-spacing:-.015em}.brand-text span{font-family:Arial,sans-serif;font-size:7.5px;letter-spacing:.18em;color:#d9c38f}
.site-header{box-shadow:0 5px 18px rgba(0,0,0,.12)}.header-main{min-height:64px}.nav a{height:64px}.compare-button{border-radius:2px}.flag-rail{height:3px}
.hero-compact,.page-hero{background:linear-gradient(105deg,#071a33,#0b2b51)}
h1{font-size:clamp(34px,3.5vw,48px)}.page-hero h1{font-size:clamp(31px,3.3vw,43px)}.section-head h2{font-size:clamp(27px,2.7vw,36px)}
.section{padding:48px 0}.page-hero{padding:29px 0 31px}.page-hero p{font-size:14px}
.text-link{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;border-bottom:1px solid currentColor;padding-bottom:3px}.text-link:after{content:"↗";color:var(--red)}
/* Homepage */
.home-hero{background:linear-gradient(104deg,#06162d 0%,#0a2345 67%,#0c315d 100%);color:#fff;border-bottom:3px solid var(--red)}
.home-hero-grid{min-height:390px;padding:50px 0 48px;display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.72fr);gap:55px;align-items:center}
.home-hero h1{font-size:clamp(38px,4.2vw,55px);max-width:760px;letter-spacing:-.035em;margin:10px 0 15px}.home-hero p{max-width:720px;font-size:16px;color:#d9e3ee;margin:0 0 22px}.home-hero .text-link{color:#fff;margin-left:8px}.hero-proof{display:flex;gap:0;margin-top:30px;border-top:1px solid rgba(255,255,255,.16);max-width:620px}.hero-proof span{padding:14px 26px 0 0;margin-right:26px;border-right:1px solid rgba(255,255,255,.14);font-size:10px;color:#aebed0;text-transform:uppercase;letter-spacing:.07em}.hero-proof span:last-child{border:0}.hero-proof b{display:block;color:#fff;font-family:Georgia,serif;font-size:21px;text-transform:none;letter-spacing:0}
.market-board{border:1px solid rgba(255,255,255,.17);background:rgba(3,11,24,.28);box-shadow:0 18px 55px rgba(0,0,0,.16)}.market-board-head{padding:18px 18px 12px;border-bottom:1px solid rgba(255,255,255,.12)}.market-board-head span{font-family:Georgia,serif;font-size:20px;display:block}.market-board-head small{font-size:10px;color:#9fb2c8}.market-board>a{display:grid;grid-template-columns:32px 1fr 28px;gap:12px;align-items:center;padding:13px 18px;border-bottom:1px solid rgba(255,255,255,.11)}.market-board>a:last-child{border-bottom:0}.market-board>a:hover{background:rgba(255,255,255,.05)}.market-board img{width:25px;height:25px;color:#e3c77f;filter:invert(85%) sepia(26%) saturate(636%) hue-rotate(357deg) brightness(88%)}.market-board b{font-size:12px;display:block}.market-board small{font-size:9.5px;color:#aebed0}.market-board em{font-style:normal;font-family:Georgia,serif;color:#d4b46c;font-size:13px}
.category-rail{background:#fff;border-bottom:1px solid var(--line)}.category-rail-grid{display:grid;grid-template-columns:repeat(6,1fr)}.category-rail a{display:flex;align-items:center;gap:10px;padding:15px 13px;border-right:1px solid var(--line)}.category-rail a:first-child{border-left:1px solid var(--line)}.category-rail a:hover{background:#fafbfc}.category-rail img{width:22px;height:22px;opacity:.76}.category-rail b{font-size:11px;display:block}.category-rail small{font-size:9px;color:var(--muted)}
.home-section{padding:58px 0}.editorial-head{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:end;margin-bottom:28px}.editorial-head h2{font-size:clamp(28px,3vw,39px);margin-top:6px;letter-spacing:-.02em}.editorial-head p{font-size:13px;color:var(--muted);margin:0}
.ledger-grid{display:grid;grid-template-columns:.72fr 1.28fr;border-top:3px solid var(--navy);border-bottom:1px solid var(--line)}.ledger-feature{background:var(--cream);padding:30px;border-left:1px solid var(--line);border-right:1px solid var(--line)}.ledger-number{font-family:Georgia,serif;font-size:58px;color:var(--red);line-height:1}.ledger-feature h3{font-size:26px;margin:10px 0}.ledger-feature p{font-size:12px;color:var(--muted);max-width:390px}.ledger-list{display:grid;grid-template-columns:1fr 1fr}.ledger-list a{display:flex;justify-content:space-between;gap:12px;padding:17px 18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.ledger-list a:nth-last-child(-n+2){border-bottom:0}.ledger-list b{font-size:12px}.ledger-list span{font-size:9px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
.ink-band{background:var(--navy);color:#fff}.need-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:center}.need-copy h2{font-size:38px;margin:8px 0 14px}.need-copy p{color:#bfd0e2;font-size:14px}.city-line{margin-top:26px;opacity:.6}.city-line img{max-height:110px;width:100%;object-fit:contain;object-position:left bottom;filter:brightness(0) invert(1)}.need-list{border-top:1px solid rgba(255,255,255,.16)}.need-list a{display:grid;grid-template-columns:35px 1fr;gap:14px;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.13);position:relative}.need-list span{font-family:Georgia,serif;color:#d4b46c}.need-list b{font-size:13px;display:block}.need-list small{display:block;color:#aabbd0;margin-top:2px}.need-list a:after{content:"→";position:absolute;right:0;color:#c8102e}
.type-ribbon{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border:1px solid var(--line)}.type-ribbon a{padding:22px 18px;border-right:1px solid var(--line);min-height:155px}.type-ribbon a:last-child{border-right:0}.type-ribbon img{width:28px;height:28px;margin-bottom:22px}.type-ribbon b{display:block;font-family:Georgia,serif;font-size:18px}.type-ribbon span{font-size:10px;color:var(--muted);display:block;margin-top:8px}.type-ribbon a:hover{background:var(--soft)}
.soft-section{background:#f5f7fa}.research-layout{display:grid;grid-template-columns:1.08fr .92fr;gap:0;border:1px solid var(--line);background:#fff}.research-feature{padding:36px 38px;background:linear-gradient(135deg,#fff 0%,#f8f3e8 100%);border-right:1px solid var(--line)}.research-feature h2{font-size:35px;margin:12px 0 14px}.research-feature p{color:var(--muted);font-size:14px;max-width:600px}.research-meta{display:flex;gap:8px;margin-top:25px}.research-meta span{font-size:9px;text-transform:uppercase;letter-spacing:.08em;background:#fff;border:1px solid var(--line);padding:5px 8px}.research-list{padding:24px 28px}.research-list h3{font-size:23px;margin-bottom:8px}.research-list a{display:grid;grid-template-columns:1fr auto;gap:20px;padding:13px 0;border-bottom:1px solid var(--line)}.research-list b{font-size:12px}.research-list span{font-size:9px;color:var(--red);text-transform:uppercase;letter-spacing:.07em}
.operations-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.operations-panel{padding:30px;border:1px solid var(--line);border-top:4px solid var(--navy);background:#fff}.operations-panel.accent{border-top-color:var(--red)}.operations-panel>img{width:30px;height:30px;margin-bottom:18px}.operations-panel h3{font-size:28px;margin:6px 0 10px}.operations-panel p{font-size:12.5px;color:var(--muted)}.operations-panel ul{list-style:none;margin:18px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.operations-panel li a{display:block;background:var(--soft);padding:11px;font-size:10px;font-weight:800;min-height:56px}
.final-band{background:#0a2444;color:#fff;border-top:4px solid var(--red)}.final-band-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:end}.final-band h2{font-size:35px;margin:8px 0}.final-band p{color:#bfd0e2;max-width:700px}.final-links{display:grid}.final-links a{padding:12px 0;border-top:1px solid rgba(255,255,255,.14);font-size:12px;font-weight:800}.final-links a:after{content:"↗";float:right;color:#d4b46c}
/* Hub pages: editorial lists instead of endless equal cards */
.hub-page .article-grid{grid-template-columns:1fr 1fr;gap:0;border-top:2px solid var(--navy);border-left:1px solid var(--line)}.hub-page .article-card{min-height:0;padding:17px 18px 16px 20px;border:0;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;grid-template-columns:88px 1fr;grid-template-areas:"meta title" "meta desc";gap:4px 14px}.hub-page .article-card:before{display:none}.hub-page .article-card .article-meta{grid-area:meta;margin:2px 0;font-size:8px}.hub-page .article-card h3{grid-area:title;font-size:17px;line-height:1.18}.hub-page .article-card p{grid-area:desc;margin:3px 0 0;font-size:11px;line-height:1.45}.hub-page .article-card:hover{background:#fafbfc}
.hub-page .business-types{grid-template-columns:repeat(5,1fr)}.hub-page .type-card{min-height:120px;border-top:3px solid var(--navy)}.type-title{font-family:Georgia,serif;font-size:18px;font-weight:700}.hub-page .directory{grid-template-columns:repeat(3,1fr)}
/* Provider pages */
.provider-hero{background:linear-gradient(105deg,#071a33,#0b2d56);color:#fff;border-bottom:3px solid var(--red)}.provider-hero-grid{padding:34px 0;display:grid;grid-template-columns:1.3fr .7fr;gap:44px;align-items:center}.provider-brand-block{display:grid;grid-template-columns:76px 1fr;gap:20px;align-items:start}.provider-monogram{width:72px;height:72px;border:1px solid rgba(255,255,255,.22);background:#fff;color:var(--navy);display:grid;place-items:center;font-family:Georgia,serif;font-size:23px;font-weight:700;box-shadow:inset 0 -4px 0 var(--red)}.provider-kicker{font-size:9px;text-transform:uppercase;letter-spacing:.15em;color:#d4b46c;font-weight:800}.provider-hero h1{font-size:clamp(31px,3.4vw,44px);margin:5px 0 8px}.provider-hero p{font-size:13px;color:#d0dce8;max-width:720px;margin:0}.provider-tags{display:flex;gap:6px;margin-top:14px}.provider-tags span{border:1px solid rgba(255,255,255,.18);padding:5px 8px;font-size:8px;text-transform:uppercase;letter-spacing:.08em}.provider-snapshot{border-left:1px solid rgba(255,255,255,.18);padding-left:26px}.snapshot-label{text-transform:uppercase;letter-spacing:.12em;font-size:9px;color:#d4b46c;margin-bottom:8px}.provider-snapshot dl{margin:0}.provider-snapshot dl div{display:flex;justify-content:space-between;gap:15px;padding:8px 0;border-top:1px solid rgba(255,255,255,.12)}.provider-snapshot dt{font-size:9px;color:#9fb2c8;text-transform:uppercase;letter-spacing:.06em}.provider-snapshot dd{margin:0;font-size:11px;font-weight:700;text-align:right}
.provider-page .article{max-width:800px}.provider-page .article h2{font-size:27px}.provider-page .mini-table{box-shadow:none}.provider-page .sidebox{top:96px}.provider-page .content-layout{gap:46px}.provider-page .callout{background:#f6f2e9;border-left-color:#d4b46c}
/* Less button-heavy */
.article-card>a:not(.card-title),.type-card>a:not(.type-title){text-decoration:none}.article-card h3 a,.bank-card h3 a,.type-title{color:inherit}.article-card h3 a:hover,.bank-card h3 a:hover,.type-title:hover{color:var(--red)}
.bank-card{min-height:190px}.bank-card p{margin-bottom:0}.bank-top h3{font-size:20px}.bank-mark{border-radius:2px;background:#f6f2e9;border-color:#e3dac3;color:#071a33}
/* footer/header refinements */
.cta-band{background:#f6f2e9;color:var(--ink);border-top:1px solid var(--line)}.cta-band .btn{border-color:var(--navy);color:var(--navy)}.site-footer{background:#06162d}
@media(max-width:980px){.home-hero-grid,.provider-hero-grid,.need-grid,.research-layout,.final-band-grid,.editorial-head{grid-template-columns:1fr}.category-rail-grid{grid-template-columns:repeat(3,1fr)}.type-ribbon{grid-template-columns:repeat(2,1fr)}.ledger-grid{grid-template-columns:1fr}.ledger-list{grid-template-columns:1fr 1fr}.provider-snapshot{border-left:0;border-top:1px solid rgba(255,255,255,.18);padding:18px 0 0}.hub-page .article-grid{grid-template-columns:1fr}.operations-grid{grid-template-columns:1fr}.operations-panel ul{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.home-hero-grid{padding:36px 0}.home-hero h1{font-size:36px}.hero-proof{flex-wrap:wrap}.category-rail-grid{grid-template-columns:1fr 1fr}.ledger-list{grid-template-columns:1fr}.type-ribbon{grid-template-columns:1fr}.provider-brand-block{grid-template-columns:56px 1fr}.provider-monogram{width:54px;height:54px}.hub-page .article-card{grid-template-columns:1fr;grid-template-areas:"meta" "title" "desc"}.operations-panel ul{grid-template-columns:1fr}.brand-text strong{font-size:18px}.topic-nav{display:none}}


/* v11 visual polish */
.brand img{width:42px;height:42px;flex:0 0 42px}.brand-text strong{font-family:Georgia,'Times New Roman',serif;font-size:21px;letter-spacing:-.025em}.brand-text span{font-size:7.5px;letter-spacing:.19em}
.card-hit{position:absolute!important;inset:0!important;z-index:1!important;margin:0!important;font-size:0!important;color:transparent!important}.bank-card{position:relative;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.bank-card:hover{transform:translateY(-2px);box-shadow:0 12px 25px rgba(6,26,56,.08);border-color:#bac5d2}.bank-card>*:not(.card-hit){position:relative;z-index:2;pointer-events:none}
.hub-feature-strip{background:#fff;border-bottom:1px solid var(--line)}.hub-feature-strip>.wrap{display:grid;grid-template-columns:260px 1fr;min-height:112px;border-left:1px solid var(--line);border-right:1px solid var(--line)}.hub-feature-intro{display:flex;align-items:center;gap:13px;padding:18px 20px;background:var(--soft);border-right:1px solid var(--line)}.hub-feature-intro img{width:34px;height:34px}.hub-feature-intro span{display:block;font-size:8px;letter-spacing:.13em;text-transform:uppercase;font-weight:900;color:var(--red)}.hub-feature-intro strong{font-family:Georgia,serif;display:block;font-size:17px;line-height:1.15;margin-top:3px}.hub-feature-links{display:grid;grid-template-columns:repeat(3,1fr)}.hub-feature-link{display:flex;gap:11px;padding:18px 16px;border-right:1px solid var(--line);align-items:flex-start}.hub-feature-link:last-child{border-right:0}.hub-feature-link em{font-style:normal;font-size:9px;color:var(--red);font-weight:900;margin-top:3px}.hub-feature-link b{font-family:Georgia,serif;font-size:14px;line-height:1.2;display:block}.hub-feature-link small{display:block;color:var(--muted);font-size:9px;line-height:1.35;margin-top:5px}.hub-feature-link:hover{background:#fafbfd}
.hub-polished .section{padding:46px 0}.hub-polished .section-head{padding-bottom:14px;border-bottom:1px solid var(--line);margin-bottom:0}.hub-polished .article-grid{border-top:0}.hub-polished .article-card:nth-child(4n+1){background:#fbfcfe}.hub-polished .article-card:nth-child(4n+4){background:#f7f9fc}.hub-polished .article-card h3{font-size:16px}.hub-polished .article-card p{font-size:10.5px}.hub-polished .article-meta{color:#8b1d32}
.provider-overview-strip{background:#fff;border-bottom:1px solid var(--line)}.provider-overview-grid{display:grid;grid-template-columns:repeat(4,1fr);border-left:1px solid var(--line)}.provider-overview-grid>div{padding:14px 16px;border-right:1px solid var(--line)}.provider-overview-grid span{display:block;font-size:8px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:900}.provider-overview-grid b{font-size:11px;color:var(--navy);display:block;margin-top:3px}.provider-service-map{border:1px solid var(--line);margin:24px 0 30px;background:#fff}.service-map-head{display:flex;justify-content:space-between;gap:18px;padding:12px 15px;background:#f5f7fa;border-bottom:1px solid var(--line)}.service-map-head span{font-size:8px;text-transform:uppercase;letter-spacing:.11em;color:var(--red);font-weight:900}.service-map-head strong{font-family:Georgia,serif;font-size:14px}.service-map-grid{display:grid;grid-template-columns:1fr 1fr}.service-map-grid>div{display:flex;gap:12px;padding:15px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}.service-map-grid>div:nth-child(2n){border-right:0}.service-map-grid>div:nth-last-child(-n+2){border-bottom:0}.service-map-grid>div>b{font-size:9px;color:var(--red)}.service-map-grid strong{font-size:12px;display:block}.service-map-grid small{font-size:9px;color:var(--muted);line-height:1.4;display:block;margin-top:3px}.profile-note{padding:13px 14px;background:var(--navy);color:#fff;margin:-1px -1px 12px}.profile-note b{display:block;font-family:Georgia,serif;font-size:14px}.profile-note span{display:block;color:#bfd0e1;font-size:9px;line-height:1.4;margin-top:4px}.provider-polished .article h2{font-size:27px}.provider-polished .article p{font-size:14px}.provider-polished .mini-table th{background:#f2f5f8}.provider-monogram{border-radius:8px;box-shadow:inset 0 -4px 0 var(--red),0 8px 18px rgba(0,0,0,.12)}
.home-signal-band{background:#061a38;color:#fff;border-top:1px solid #17385d;border-bottom:4px solid var(--red)}.signal-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);min-height:180px}.signal-title,.signal-item{padding:30px 24px;border-right:1px solid rgba(255,255,255,.12)}.signal-title h2{font-size:26px;margin-top:8px;max-width:310px}.signal-item em{font-style:normal;color:var(--gold-soft);font-size:9px;letter-spacing:.1em}.signal-item b{font-family:Georgia,serif;display:block;font-size:17px;margin:13px 0 7px}.signal-item span{color:#bdccdc;font-size:10.5px;line-height:1.5}.signal-item:last-child{border-right:0}
@media(max-width:980px){.hub-feature-strip>.wrap{grid-template-columns:1fr}.hub-feature-intro{border-right:0;border-bottom:1px solid var(--line)}.hub-feature-links{grid-template-columns:1fr}.hub-feature-link{border-right:0;border-bottom:1px solid var(--line)}.provider-overview-grid{grid-template-columns:1fr 1fr}.signal-grid{grid-template-columns:1fr 1fr}.signal-title{grid-column:1/-1}.service-map-grid{grid-template-columns:1fr}.service-map-grid>div{border-right:0!important;border-bottom:1px solid var(--line)!important}.service-map-grid>div:last-child{border-bottom:0!important}}
@media(max-width:650px){.provider-overview-grid{grid-template-columns:1fr 1fr}.signal-grid{grid-template-columns:1fr}.signal-title{grid-column:auto}.signal-title,.signal-item{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}.brand img{width:38px;height:38px;flex-basis:38px}.brand-text span{display:none}}

/* v11 provider peer and type scale refinement */
.home-hero h1{font-size:clamp(35px,3.75vw,49px)}
.page-hero h1{font-size:clamp(31px,3.35vw,43px)}
.section-head h2{font-size:clamp(26px,2.75vw,35px)}
.peer-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:18px}.peer-head h2{font-size:27px;margin-top:6px}.peer-head p{max-width:430px;color:var(--muted);font-size:11px;margin:0}.peer-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);background:#fff}.peer-card{display:grid;grid-template-columns:42px 1fr;gap:12px;padding:17px;border-right:1px solid var(--line);align-items:start}.peer-card:last-child{border-right:0}.peer-card:hover{background:#fafbfd}.peer-mark{width:40px;height:40px;display:grid;place-items:center;background:var(--navy);color:#fff;border-radius:7px;font-family:Georgia,serif;font-size:12px;border-bottom:3px solid var(--red)}.peer-card b{font-family:Georgia,serif;font-size:16px;display:block}.peer-card small{display:block;color:var(--muted);font-size:9px;line-height:1.4;margin-top:5px}
@media(max-width:760px){.peer-head{display:block}.peer-head p{margin-top:9px}.peer-grid{grid-template-columns:1fr}.peer-card{border-right:0;border-bottom:1px solid var(--line)}.peer-card:last-child{border-bottom:0}}

/* v14 homepage need routes */
.need-band{padding:58px 0 62px;background:linear-gradient(115deg,#071b32 0%,#0b2746 62%,#0d3258 100%);position:relative;overflow:hidden}
.need-band:after{content:"";position:absolute;right:-90px;top:-120px;width:430px;height:430px;border:1px solid rgba(255,255,255,.07);border-radius:50%;box-shadow:0 0 0 70px rgba(255,255,255,.018),0 0 0 140px rgba(255,255,255,.012);pointer-events:none}
.need-band-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.72fr);gap:48px;align-items:end;margin-bottom:28px;position:relative;z-index:1}
.need-band-head h2{font-size:clamp(27px,3vw,39px);line-height:1.08;margin:7px 0 0;max-width:720px;color:#fff}
.need-band-head p{margin:0;color:#bfd0e2;font-size:14px;line-height:1.65;max-width:520px;justify-self:end}
.need-route-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:1px;background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.13);position:relative;z-index:1}
.need-route{min-height:190px;padding:20px 18px 19px;background:#0a223d;color:#fff;display:flex;flex-direction:column;position:relative;transition:.18s ease;text-decoration:none}
.need-route:hover{background:#103052;transform:translateY(-2px);z-index:2}
.need-route:focus-visible{outline:2px solid #fff;outline-offset:-3px}
.need-route img{width:29px;height:29px;filter:brightness(0) invert(1);opacity:.92;margin:12px 0 23px}
.need-route .need-no{position:absolute;right:15px;top:14px;color:#d8bd78;font:700 12px/1 Georgia,serif;letter-spacing:.08em}
.need-route b{font-size:14px;line-height:1.28;max-width:170px}
.need-route small{display:block;color:#adc0d3;font-size:11.5px;line-height:1.45;margin-top:7px;max-width:185px}
.need-route:after{content:"↗";position:absolute;right:16px;bottom:15px;color:#d8bd78;font-size:15px}
@media(max-width:1060px){.need-route-grid{grid-template-columns:repeat(3,1fr)}.need-route:nth-child(4),.need-route:nth-child(5){min-height:168px}.need-band-head{grid-template-columns:1fr 1fr}}
@media(max-width:720px){.need-band-head{grid-template-columns:1fr;gap:12px}.need-band-head p{justify-self:start}.need-route-grid{grid-template-columns:1fr 1fr}.need-route{min-height:165px}}
@media(max-width:480px){.need-route-grid{grid-template-columns:1fr}.need-route{min-height:132px}.need-route img{margin:4px 0 15px}}

/* v14 provider depth */
.provider-decision-map{margin:26px 0 30px;border-top:3px solid var(--navy);display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#dfe5eb;border-left:1px solid #dfe5eb;border-right:1px solid #dfe5eb;border-bottom:1px solid #dfe5eb}
.provider-decision-map>div{background:#f8fafc;padding:18px 18px 17px;min-height:128px}
.provider-decision-map span{display:block;text-transform:uppercase;letter-spacing:.08em;color:#6d7783;font-size:10px;font-weight:700;margin-bottom:7px}
.provider-decision-map b{display:block;color:var(--navy);font-size:14px;line-height:1.25;margin-bottom:6px}
.provider-decision-map p{font-size:12px;line-height:1.55;margin:0;color:#4f5964}
.provider-verdict{margin:30px 0 0;background:#071d35;color:#fff;border-left:5px solid #c8102e;padding:24px 25px}
.provider-verdict .verdict-label{display:block;color:#d7b967;text-transform:uppercase;letter-spacing:.09em;font-size:10px;font-weight:700;margin-bottom:7px}
.provider-verdict h2{color:#fff;margin:0 0 10px;font-size:23px}
.provider-verdict p{margin:0;color:#d5e0eb;line-height:1.65}
.provider-check-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0 26px}
.provider-check-grid>div{border:1px solid #dde3e8;background:#fff;padding:15px 16px}
.provider-check-grid b{display:block;color:var(--navy);font-size:13px;margin-bottom:5px}.provider-check-grid span{font-size:12px;line-height:1.5;color:#59636e}
@media(max-width:760px){.provider-decision-map,.provider-check-grid{grid-template-columns:1fr}}

/* v17 commercial content polish */
.money-decision-panel{margin:30px 0 26px;border:1px solid #dbe2e8;border-top:3px solid var(--red);background:#fff}
.money-decision-head{display:flex;justify-content:space-between;gap:18px;align-items:end;padding:15px 17px;background:#f5f7f9;border-bottom:1px solid #dbe2e8}.money-decision-head span{font-size:9px;text-transform:uppercase;letter-spacing:.11em;color:var(--red);font-weight:900}.money-decision-head strong{font-family:Georgia,serif;color:var(--navy);font-size:15px;text-align:right}
.money-factor-grid{display:grid;grid-template-columns:repeat(5,1fr)}.money-factor-grid>div{padding:15px 13px;border-right:1px solid #e1e6ea}.money-factor-grid>div:last-child{border-right:0}.money-factor-grid span{display:block;font-size:8px;text-transform:uppercase;letter-spacing:.08em;color:#78838e;font-weight:800;margin-bottom:5px}.money-factor-grid b{font-size:11px;line-height:1.35;color:var(--navy)}
.money-table{width:100%;border-collapse:collapse;margin:16px 0 26px;font-size:12px}.money-table th,.money-table td{border:1px solid #dfe4e8;padding:10px 11px;text-align:left;vertical-align:top}.money-table thead th{background:#071d35;color:#fff;font-size:9px;text-transform:uppercase;letter-spacing:.06em}.money-table tbody th{width:21%;background:#f5f7f9;color:var(--navy)}
.money-checklist{columns:2;column-gap:34px;margin:12px 0 28px;padding-left:20px}.money-checklist li{break-inside:avoid;margin:0 0 10px;padding-left:3px}
.money-editorial-note{margin:28px 0;padding:20px 21px;background:#f7f3ea;border-left:4px solid #b89a55}.money-editorial-note span{display:block;font-size:9px;letter-spacing:.1em;text-transform:uppercase;color:#8b6d2e;font-weight:900;margin-bottom:7px}.money-editorial-note p{margin:0!important}
.related-research{margin:30px 0 10px;border-top:1px solid #dce2e7;padding-top:18px}.related-research-title{font-size:9px;text-transform:uppercase;letter-spacing:.11em;color:var(--red);font-weight:900;margin-bottom:10px}.related-research-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:#dfe4e8;border:1px solid #dfe4e8}.related-research-grid a{background:#fff;padding:12px 14px;display:flex;justify-content:space-between;gap:10px;align-items:center}.related-research-grid b{font-size:11px;color:var(--navy)}.related-research-grid span{font-size:8px;text-transform:uppercase;letter-spacing:.07em;color:#78838e}
@media(max-width:900px){.money-factor-grid{grid-template-columns:1fr 1fr}.money-factor-grid>div{border-bottom:1px solid #e1e6ea}.money-factor-grid>div:nth-child(2n){border-right:0}.money-factor-grid>div:last-child{grid-column:1/-1;border-bottom:0}.money-decision-head{display:block}.money-decision-head strong{display:block;text-align:left;margin-top:5px}}
@media(max-width:650px){.money-factor-grid,.related-research-grid{grid-template-columns:1fr}.money-factor-grid>div,.money-factor-grid>div:nth-child(2n){border-right:0;border-bottom:1px solid #e1e6ea}.money-factor-grid>div:last-child{grid-column:auto}.money-checklist{columns:1}.money-table{font-size:11px}.money-table th,.money-table td{padding:8px}}

/* v18 hub editorial hierarchy */
.hub-lead-block{margin:6px 0 34px}.hub-lead-heading{display:flex;justify-content:space-between;align-items:end;gap:24px;margin:0 0 12px;border-bottom:1px solid var(--line);padding-bottom:9px}.hub-lead-heading span,.hub-library-label{font-size:9px;text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--red)}.hub-lead-heading strong{font:700 18px/1.2 Georgia,serif;color:var(--navy)}
.hub-lead-grid{display:grid;grid-template-columns:1.35fr .825fr .825fr;grid-template-rows:1fr 1fr;gap:10px}.hub-lead-grid .article-card{min-height:145px;padding:18px 19px}.hub-lead-grid .article-card h3{font-size:18px}.hub-lead-grid .article-card p{font-size:11px;margin-bottom:0}.hub-lead-grid .hub-lead-main{grid-row:1/3;min-height:300px;background:linear-gradient(145deg,#071d35,#0c3158);color:#fff;border-color:#0c3158;padding:27px}.hub-lead-grid .hub-lead-main:before{background:var(--red);height:5px}.hub-lead-grid .hub-lead-main .article-meta{color:var(--gold-soft)}.hub-lead-grid .hub-lead-main h3{font-size:30px;max-width:480px;margin-top:13px}.hub-lead-grid .hub-lead-main p{color:#c8d5e2;font-size:13px;line-height:1.6;max-width:500px;margin-top:15px}.hub-library-label{margin:2px 0 13px;color:#687586}.hub-page .article-grid .article-card:nth-child(4n+2){background:#f8fafc}.hub-page .article-grid .article-card:nth-child(7n){border-top-color:var(--red)}
.provider-page .article>h2{padding-top:2px}.provider-page .article>h2:not(:first-of-type){border-top:1px solid #e2e7ec;padding-top:25px}.provider-page .article>h2 + p{margin-top:10px}.provider-page .sidebox{position:sticky;top:112px}.provider-page .mini-table{box-shadow:0 7px 20px rgba(6,26,56,.05)}
@media(max-width:900px){.hub-lead-grid{grid-template-columns:1fr 1fr;grid-template-rows:auto}.hub-lead-grid .hub-lead-main{grid-column:1/-1;grid-row:auto;min-height:230px}.hub-lead-heading{align-items:start}.provider-page .sidebox{position:static}}
@media(max-width:620px){.hub-lead-grid{grid-template-columns:1fr}.hub-lead-grid .hub-lead-main{grid-column:auto;min-height:200px}.hub-lead-heading{display:block}.hub-lead-heading strong{display:block;margin-top:5px}}

/* v19 section identity and typography polish */
:root{--section-accent:#c8102e;--section-soft:#f4f7fa}
body.section-accounts{--section-accent:#1b5e88;--section-soft:#f1f7fa}
body.section-compare{--section-accent:#8a2d3c;--section-soft:#faf3f4}
body.section-finance{--section-accent:#8a6420;--section-soft:#fbf7ed}
body.section-savings{--section-accent:#39714a;--section-soft:#f2f8f3}
body.section-payments{--section-accent:#3e5aa8;--section-soft:#f3f5fb}
body.section-cards{--section-accent:#6a4b91;--section-soft:#f6f3f9}
body.section-international{--section-accent:#0e6d78;--section-soft:#eff8f8}
body.section-cash-flow{--section-accent:#476b3f;--section-soft:#f4f8f2}
body.section-security{--section-accent:#7a2832;--section-soft:#faf2f3}
body.section-business-types{--section-accent:#4d6078;--section-soft:#f3f6f9}
body.section-guides{--section-accent:#9b612d;--section-soft:#fbf5ef}
body.section-insights{--section-accent:#34548a;--section-soft:#f2f5fa}
.page-hero{position:relative;overflow:hidden}.page-hero:after{content:"";position:absolute;left:0;bottom:0;width:92px;height:4px;background:var(--section-accent)}
.page-hero h1{max-width:920px;line-height:1.03;letter-spacing:-.035em}.page-hero p{max-width:790px;line-height:1.65}
.section-feature,.hub-feature,.editorial-feature{border-top-color:var(--section-accent)!important}
.article-card:hover,.provider-card:hover{border-color:var(--section-accent)!important}
.article-card h3,.provider-card h3{line-height:1.2}
.article-grid{align-items:stretch}.article-card{min-height:100%;transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}.article-card:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(7,26,51,.08)}
.brand img{width:36px!important;height:36px!important;object-fit:contain}.footer-brand .brand img{width:34px!important;height:34px!important}
@media(max-width:680px){.page-hero h1{font-size:32px!important;line-height:1.06}.section-head h2{font-size:27px}.brand img{width:32px!important;height:32px!important}}

/* v20 final refinement: correct section identities and break card-wall repetition */
body.section-banks{--section-accent:#c8102e;--section-soft:#f7f4f5}
.hub-page .article-grid .article-card:nth-child(12n+1){grid-column:span 2;background:var(--section-soft);border-left:4px solid var(--section-accent);padding:24px 25px}
.hub-page .article-grid .article-card:nth-child(12n+1) h3{font-size:25px;max-width:620px}
.hub-page .article-grid .article-card:nth-child(12n+1) p{max-width:700px;font-size:13px}
.hub-page .article-grid .article-card:nth-child(12n+6){background:#071d35;color:#fff;border-color:#071d35}
.hub-page .article-grid .article-card:nth-child(12n+6):before{background:var(--section-accent)}
.hub-page .article-grid .article-card:nth-child(12n+6) h3{color:#fff}
.hub-page .article-grid .article-card:nth-child(12n+6) p{color:#c6d4e2}
.hub-page .article-grid .article-card:nth-child(12n+6) .article-meta,.hub-page .article-grid .article-card:nth-child(12n+6) a{color:#efd68e}
.research-feature-link{display:block;position:relative;transition:transform .16s ease,box-shadow .16s ease}
.research-feature-link:after{content:"↗";position:absolute;right:22px;top:20px;width:32px;height:32px;border:1px solid rgba(255,255,255,.28);display:grid;place-items:center;color:#efd68e;font-size:16px}
.research-feature-link:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(7,26,51,.14)}
.provider-page .article>h2:nth-of-type(3n+2){border-left:3px solid var(--section-accent);padding-left:14px}
.provider-page .article>h2:nth-of-type(3n){color:#7d1f30}
@media(max-width:850px){.hub-page .article-grid .article-card:nth-child(12n+1){grid-column:auto}.hub-page .article-grid .article-card:nth-child(12n+1) h3{font-size:21px}}

/* v22 targeted depth modules */
.editorial-depth,.provider-diligence{margin:32px 0;padding:26px 28px;border:1px solid rgba(16,42,67,.13);border-left:4px solid var(--red,#b5122b);background:linear-gradient(135deg,rgba(255,255,255,.98),rgba(245,247,250,.92));box-shadow:0 12px 34px rgba(10,28,45,.05)}
.editorial-depth h2,.provider-diligence h2{margin-top:0;font-size:clamp(1.35rem,2vw,1.8rem);line-height:1.16}
.editorial-depth h3,.provider-diligence h3{font-size:1.08rem;margin-top:20px}
.editorial-depth .check-list,.provider-diligence .check-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 18px;margin:18px 0 0;padding:0;list-style:none}
.editorial-depth .check-list li,.provider-diligence .check-list li{position:relative;padding:12px 12px 12px 34px;background:#fff;border:1px solid rgba(16,42,67,.09)}
.editorial-depth .check-list li:before,.provider-diligence .check-list li:before{content:'✓';position:absolute;left:12px;top:11px;font-weight:800;color:var(--red,#b5122b)}
@media(max-width:700px){.editorial-depth,.provider-diligence{padding:20px}.editorial-depth .check-list,.provider-diligence .check-list{grid-template-columns:1fr}}

/* v23 verified facts + commercial decision polish */
.fact-check-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:16px 0 24px}.fact-check-item{padding:15px 16px;border:1px solid rgba(12,35,64,.14);background:linear-gradient(145deg,#fff,#f7f9fc);border-radius:8px}.fact-check-item strong{display:block;color:#8d1e2d;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:5px}.fact-check-item p{margin:0;line-height:1.52}.verified-v23{border-top:3px solid #b08a45;padding-top:18px;margin-top:28px}.commercial-check-v23{margin:28px 0;padding:22px 24px;border-left:4px solid #b08a45;background:#f6f8fb}.commercial-check-v23 h2{margin-top:0}.decision-list{margin:14px 0 0;padding-left:20px}.decision-list li{margin:8px 0;line-height:1.55}@media(max-width:720px){.fact-check-grid{grid-template-columns:1fr}.commercial-check-v23{padding:18px}}

/* v24 provider facts + factual comparison layer */
.verified-v24{margin:30px 0;padding:22px 0 4px;border-top:3px solid #b08a45}.verified-v24>h2{margin-top:0}.verified-v24 .muted a{font-weight:700;text-decoration:underline;text-underline-offset:2px}.compare-facts-v24{margin:26px 0 30px;padding:22px;border:1px solid rgba(12,35,64,.13);border-top:4px solid #b08a45;background:linear-gradient(150deg,#fff,#f5f7fa);border-radius:10px}.compare-facts-v24 h2{margin-top:0}.compare-provider-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:16px}.compare-provider-box{padding:17px 18px;background:#fff;border:1px solid rgba(12,35,64,.13);border-radius:8px}.compare-provider-box h3{font-size:1.02rem;margin:0 0 10px}.compare-provider-box ul{margin:0;padding-left:19px}.compare-provider-box li{margin:8px 0;line-height:1.5}.research-path-v24{margin:30px 0 6px;padding-top:20px;border-top:1px solid rgba(12,35,64,.14)}.research-link-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.research-link-grid a{display:block;padding:12px 14px;border:1px solid rgba(12,35,64,.14);border-radius:7px;text-decoration:none;font-weight:700;background:#fff}.research-link-grid a:hover{transform:translateY(-1px);box-shadow:0 5px 18px rgba(12,35,64,.08)}@media(max-width:720px){.compare-provider-grid,.research-link-grid{grid-template-columns:1fr}.compare-facts-v24{padding:18px}}

/* v25 factual provider expansion */
.verified-v25{margin:28px 0;padding:22px 0 2px;border-top:3px solid #b08a45}.verified-v25>h2{margin-top:0}.verified-v25 .muted a{font-weight:700;text-decoration:underline;text-underline-offset:2px}.compare-facts-v25{margin:26px 0 30px;padding:22px;border:1px solid rgba(12,35,64,.13);border-top:4px solid #b08a45;background:linear-gradient(145deg,#fff,#f4f7fa);border-radius:10px}.compare-facts-v25 h2{margin-top:0}.fit-strip-v25{display:flex;gap:12px;align-items:flex-start;margin:18px 0 24px;padding:12px 14px;border-left:4px solid #b08a45;background:#f6f8fa;border-radius:0 7px 7px 0}.fit-strip-v25 strong{white-space:nowrap;color:#0d2847}.fit-strip-v25 span{line-height:1.5}@media(max-width:640px){.fit-strip-v25{display:block}.fit-strip-v25 strong{display:block;margin-bottom:4px}}

/* v26 factual provider checkpoints */
.verified-v26,.verified-v26b,.verified-v26c{margin:28px 0;padding:24px;border:1px solid rgba(193,155,78,.35);background:linear-gradient(135deg,rgba(11,31,58,.04),rgba(193,155,78,.08));}
.verified-v26 h2{margin-top:0}.verified-v26 .muted,.verified-v26b .muted,.verified-v26c .muted{font-size:.92rem}.verified-badge{display:inline-block;margin-left:8px;padding:2px 7px;border:1px solid rgba(193,155,78,.5);border-radius:999px;font-size:.68rem;letter-spacing:.05em;text-transform:uppercase;color:#8b6b2f;vertical-align:middle}

/* v27 factual money-page refinement */
.money-snapshot-v27{margin:1.35rem 0 1.8rem;padding:1.05rem;border:1px solid rgba(14,38,65,.16);background:linear-gradient(135deg,rgba(247,249,252,.98),rgba(255,255,255,.98));box-shadow:0 12px 30px rgba(13,35,58,.05)}
.money-snapshot-v27 .snap-kicker{display:block;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:800;color:#9b1c31;margin-bottom:.5rem}
.money-snapshot-v27 h2{margin:.1rem 0 .8rem;font-size:clamp(1.18rem,1.5vw,1.55rem)}
.money-snapshot-v27 .snap-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.75rem}
.money-snapshot-v27 .snap-grid>div{padding:.82rem;border-left:3px solid #b38a45;background:#fff}
.money-snapshot-v27 b{display:block;margin-bottom:.28rem}.money-snapshot-v27 p{margin:0;font-size:.93rem;line-height:1.55}
.provider-compare-v27{margin:1.5rem 0;padding:1rem;background:#0f2945;color:#fff}
.provider-compare-v27 h2{color:#fff;margin:.1rem 0 .9rem;font-size:1.35rem}.provider-compare-v27 .pair{display:grid;grid-template-columns:1fr 1fr;gap:.85rem}.provider-compare-v27 .provider-side{background:rgba(255,255,255,.07);padding:.9rem;border-top:3px solid #c9a15e}.provider-compare-v27 strong{display:block;font-size:1.02rem;margin-bottom:.45rem}.provider-compare-v27 ul{margin:.4rem 0 0;padding-left:1.1rem}.provider-compare-v27 li{margin:.28rem 0;color:rgba(255,255,255,.9)}
@media(max-width:760px){.money-snapshot-v27 .snap-grid,.provider-compare-v27 .pair{grid-template-columns:1fr}}


/* V29 TOC + RELATED ARTICLES */
.article-toc{margin:24px 0 34px;padding:18px 20px 16px;border:1px solid rgba(14,34,60,.14);border-left:4px solid var(--red,#c8102e);background:linear-gradient(135deg,#f7f9fc 0%,#fff 72%);box-shadow:0 8px 22px rgba(14,34,60,.05)}
.article-toc-head{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:12px}.article-toc-head strong{font-size:15px;letter-spacing:.02em;color:#0b1f3a}.article-toc-head span{font-size:11px;text-transform:uppercase;letter-spacing:.12em;color:#687386}
.article-toc ol{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:7px 22px;counter-reset:toc}.article-toc li{counter-increment:toc;min-width:0}.article-toc a{display:flex;gap:9px;align-items:flex-start;color:#24364f;text-decoration:none;font-size:14px;line-height:1.35;padding:3px 0}.article-toc a:before{content:counter(toc,decimal-leading-zero);font-size:10px;font-weight:800;letter-spacing:.08em;color:var(--red,#c8102e);padding-top:3px;min-width:20px}.article-toc a:hover{text-decoration:underline;text-underline-offset:3px}.article h2[id]{scroll-margin-top:120px}
.related-articles-block{margin:42px 0 18px;padding-top:24px;border-top:2px solid #0b1f3a}.related-articles-head{display:flex;align-items:end;justify-content:space-between;gap:16px;margin-bottom:16px}.related-articles-head h2{margin:0!important;font-size:clamp(24px,2.4vw,34px)!important}.related-articles-head p{margin:0;max-width:440px;color:#657186;font-size:13px}.related-articles-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.related-article-card{display:block;position:relative;padding:16px 42px 16px 16px;border:1px solid rgba(14,34,60,.14);background:#fff;color:#0b1f3a;text-decoration:none;min-height:112px;transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease}.related-article-card:after{content:'↗';position:absolute;right:15px;top:15px;font-size:17px;color:var(--red,#c8102e)}.related-article-card:hover{transform:translateY(-2px);border-color:rgba(14,34,60,.3);box-shadow:0 10px 24px rgba(14,34,60,.08)}.related-article-card .rel-kicker{display:block;margin-bottom:7px;font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:#a20c26}.related-article-card strong{display:block;font-size:16px;line-height:1.25;margin-bottom:7px}.related-article-card span:last-child{display:block;color:#667286;font-size:12px;line-height:1.35}
@media(max-width:760px){.article-toc ol,.related-articles-grid{grid-template-columns:1fr}.article-toc{padding:16px}.article-toc-head span{display:none}.related-articles-head{display:block}.related-articles-head p{margin-top:6px}}

/* v30 article trust + reading metadata */
.article-meta-v30{display:flex;flex-wrap:wrap;gap:8px 16px;margin:10px 0 20px;padding:10px 0;border-top:1px solid rgba(14,34,60,.09);border-bottom:1px solid rgba(14,34,60,.09);font-size:12px;line-height:1.4;color:#657084}
.article-meta-v30 span{display:inline-flex;align-items:center;gap:6px}.article-meta-v30 span+span:before{content:'•';color:var(--red,#c8102e);font-weight:800;margin-right:8px}
@media(max-width:620px){.article-meta-v30{gap:5px 12px}.article-meta-v30 span:last-child{flex-basis:100%}.article-meta-v30 span:last-child:before{display:none}}

/* v31 article identity and trust */
.article-author-card{margin:34px 0 28px;padding:22px 24px;border:1px solid rgba(12,38,67,.16);background:linear-gradient(135deg,#f8fafc 0%,#fff 70%);display:grid;grid-template-columns:58px 1fr;gap:18px;align-items:start}
.article-author-mark{width:58px;height:58px;border-radius:14px;background:#0b2340;color:#fff;display:grid;place-items:center;font-weight:800;letter-spacing:.05em;box-shadow:inset 0 -3px 0 #b68e43}
.article-author-copy small{display:block;text-transform:uppercase;letter-spacing:.11em;font-size:.72rem;color:#8a6b34;font-weight:800;margin-bottom:5px}
.article-author-copy strong{display:block;font-size:1.05rem;color:#0b2340;margin-bottom:7px}
.article-author-copy p{margin:0;color:#49586a;font-size:.93rem;line-height:1.65}
.article-author-links{display:flex;gap:16px;flex-wrap:wrap;margin-top:11px}
.article-author-links a{font-size:.86rem;font-weight:750;color:#0b4f82;text-decoration:none;border-bottom:1px solid rgba(11,79,130,.3)}
.article-author-links a:hover{border-color:#c52430;color:#a81823}
.breadcrumb a{color:inherit;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.28)}
.breadcrumb a:hover{border-color:currentColor}
@media(max-width:620px){.article-author-card{grid-template-columns:46px 1fr;padding:18px}.article-author-mark{width:46px;height:46px;border-radius:11px;font-size:.85rem}}


/* v32 launch-readiness polish */
.brand img{width:40px;height:40px;object-fit:contain;flex:0 0 40px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #f4c95d;outline-offset:3px}
.article h2[id],.article h3[id]{scroll-margin-top:126px}
.search-layer[aria-hidden="false"]{display:flex}
.search-box{max-height:min(78vh,760px);overflow:auto;overscroll-behavior:contain}
.nav.open{visibility:visible}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
@media(max-width:600px){.brand img{width:36px;height:36px;flex-basis:36px}.article h2[id],.article h3[id]{scroll-margin-top:104px}}

body.search-lock{overflow:hidden}


/* v33 launch candidate: directory, brand and editorial rhythm */
.brand img{border-radius:9px;box-shadow:0 1px 0 rgba(255,255,255,.08)}
.bank-card{position:relative;overflow:hidden;transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease}
.bank-card:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(7,26,51,.08)}
.bank-card .bank-top{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.bank-card-title{min-width:0;display:flex;flex-wrap:wrap;align-items:center;gap:7px 9px}
.bank-card-title h3{margin:0;font-size:18px;line-height:1.12;color:var(--navy)}
.bank-card .bank-mark{border-radius:8px;border:1px solid #d8e0e8;background:#f6f8fa;color:#071a33;box-shadow:inset 0 -3px 0 #c7a45c}
.bank-card[data-type~="established"] .bank-mark{background:#071a33;color:#fff;box-shadow:inset 0 -3px 0 #c8102e}
.bank-card[data-type~="digital"] .bank-mark{background:#fff;color:#071a33;box-shadow:inset 0 -3px 0 #1d5c8f}
.bank-card[data-type~="specialist"] .bank-mark{background:#f4efe3;color:#071a33;box-shadow:inset 0 -3px 0 #b48b45}
.bank-card[data-type~="platform"] .bank-mark{background:#eef3f7;color:#071a33;box-shadow:inset 0 -3px 0 #607d98}
.bank-card[data-type~="international"] .bank-mark{outline:1px solid rgba(200,16,46,.15);outline-offset:2px}
.directory-verified{display:inline-flex;align-items:center;gap:4px;padding:3px 6px;border:1px solid #d8c18f;background:#fffaf0;color:#6a5425;border-radius:999px;font-size:7px!important;line-height:1;font-weight:900;letter-spacing:.07em;text-transform:uppercase;white-space:nowrap}
.directory-verified:before{content:"✓";font-size:8px;color:#0f6a43}
.bank-card .card-hit{z-index:2}
.bank-card .labels,.bank-card p,.bank-card .bank-top{position:relative;z-index:1}
.home-hero .hero-proof span:first-child b:after{content:" verified";font-family:Arial,sans-serif;font-size:9px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:#d8bd78;margin-left:4px}
.article-toc{border-top-color:var(--section-accent,#b5122b)!important}
.article-toc ol{column-gap:28px}
.article>h2{scroll-margin-top:112px}
.article>h2[id]:target{background:linear-gradient(90deg,rgba(199,164,92,.14),transparent);margin-left:-10px;padding-left:10px}
.related-article-card{min-height:145px}
.related-article-card strong{line-height:1.25}
@media(max-width:650px){.bank-card-title{display:block}.directory-verified{margin-top:5px}.related-article-card{min-height:auto}}

/* v35 hotfix: keep the lead editorial card dark inside polished hub pages.
   The alternating nth-child background rule had higher specificity and
   overrode the intended navy feature-card background. */
.hub-polished .hub-lead-grid .hub-lead-main{
  background:linear-gradient(145deg,#071d35,#0c3158);
  color:#fff;
  border-color:#0c3158;
}
.hub-polished .hub-lead-grid .hub-lead-main .article-meta{color:var(--gold-soft)}
.hub-polished .hub-lead-grid .hub-lead-main h3{color:#fff}
.hub-polished .hub-lead-grid .hub-lead-main p{color:#c8d5e2}