/*
Theme Name: Про картку
Description: Independent Ukrainian informational guide theme.
Version: 31.0
*/
:root{--y:#ffd31f;--ink:#111;--muted:#6f6f6f;--soft:#f5f5f2;--line:#deded9;--cream:#fff9dc;--max:1160px;--r:22px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.5}a{color:inherit;text-decoration:none}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid #eee}.header-inner{height:72px;display:flex;align-items:center;gap:30px}.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:-.03em;margin-right:auto}.brand-mark{width:28px;height:28px;border-radius:9px;background:var(--y);display:grid;place-items:center;font-size:12px}.main-nav{display:flex;gap:25px;font-size:12px;font-weight:800}.main-nav a:hover{opacity:.55}.header-cta,.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:12px;font-size:12px;font-weight:900;border:1px solid var(--ink);transition:.2s}.header-cta,.btn-primary{background:var(--y);border-color:var(--y)}.btn-secondary{background:#fff}.btn:hover,.header-cta:hover{transform:translateY(-2px)}.mobile-toggle{display:none;background:none;border:0;font-size:24px}.hero{background:linear-gradient(108deg,#fff 0 52%,#fff7c8 100%);padding:84px 0 78px}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:70px;align-items:center}.eyebrow{display:inline-block;background:#fff1a9;border-radius:99px;padding:7px 11px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin-bottom:17px}h1,h2,h3{letter-spacing:-.05em;line-height:.98}h1{font-size:clamp(50px,6vw,78px);margin:0 0 22px}h2{font-size:clamp(38px,4.8vw,62px);margin:0}h3{font-size:21px;margin:0 0 8px}.lead{font-size:16px;color:#606060;max-width:610px}.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin:27px 0 16px}.checks{display:flex;gap:17px;flex-wrap:wrap;font-size:11px;font-weight:800}.card-scene{min-height:360px;position:relative;display:grid;place-items:center}.bank-card{width:min(440px,92%);aspect-ratio:1.6;background:linear-gradient(145deg,#242424,#0d0d0d);border-radius:28px;transform:rotate(-7deg);box-shadow:0 35px 70px #0002;color:#fff;padding:36px;position:relative}.bank-card:before{content:"";position:absolute;width:110px;height:110px;border-radius:50%;background:var(--y);right:-38px;bottom:-35px;z-index:-1}.chip{width:34px;height:25px;background:var(--y);border-radius:6px;margin-top:18px}.card-name{position:absolute;left:36px;bottom:52px;letter-spacing:.4em;font-size:12px;font-weight:900}.card-type{position:absolute;left:36px;bottom:31px;color:#999;font-size:9px}.float{position:absolute;background:#fff;border:1px solid #ddd;border-radius:12px;padding:10px 12px;box-shadow:0 12px 30px #0001;font-size:10px;font-weight:900}.f1{top:45px;left:3%}.f2{right:0;bottom:55px}.anchor{background:#111;color:#fff}.anchor .container{height:48px;display:flex;align-items:center;justify-content:center;gap:36px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.anchor a:after{content:"•";color:var(--y);margin-left:18px}.anchor a:last-child:after{display:none}.section{padding:96px 0}.soft{background:var(--soft)}.section-head{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:end;margin-bottom:38px}.section-head p{color:var(--muted);margin:0;max-width:520px}.muted{color:#aaa}.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.tile{min-height:205px;border:1px solid var(--line);border-radius:var(--r);padding:21px;background:#fff;display:flex;flex-direction:column;justify-content:space-between;transition:.2s}.tile:hover{transform:translateY(-4px);box-shadow:0 18px 38px #0000000d}.tile.yellow{background:var(--y);border-color:var(--y)}.tile.dark{background:#151515;border-color:#151515;color:#fff}.tile p{font-size:12px;color:#777;margin:0}.tile.dark p{color:#aaa}.tile.yellow p{color:#514600}.num{font-size:10px;font-weight:900}.steps{display:grid;grid-template-columns:.8fr 1.2fr;gap:85px}.step-list{border-top:1px solid var(--line)}.step{display:grid;grid-template-columns:58px 1fr;padding:20px 0;border-bottom:1px solid var(--line)}.step strong{font-size:16px}.step p{font-size:12px;color:#777;margin:4px 0 0}.callout{background:#151515;color:#fff;border-radius:26px;padding:32px;display:flex;justify-content:space-between;align-items:center;gap:35px}.callout p{color:#aaa;font-size:12px;margin:0;max-width:680px}.faq{max-width:820px}.faq details{padding:19px 0;border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;font-weight:850;display:flex;justify-content:space-between}.faq summary:after{content:"+";font-size:20px}.faq details[open] summary:after{content:"−"}.faq p{color:#707070;font-size:13px}.page-hero{padding:78px 0;background:linear-gradient(110deg,#fff,#fff8d5);border-bottom:1px solid #eee}.page-hero h1{max-width:850px}.content{max-width:850px}.content h2{font-size:38px;margin:42px 0 16px}.content p,.content li{color:#555}.notice{background:var(--cream);border-left:4px solid var(--y);padding:18px 20px;border-radius:10px}.site-footer{background:#111;color:#fff;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}.site-footer p,.site-footer a{font-size:12px;color:#aaa}.site-footer h3{font-size:13px;letter-spacing:0}.footer-bottom{border-top:1px solid #333;margin-top:35px;padding-top:18px;color:#777;font-size:11px}@media(max-width:900px){.main-nav{display:none}.mobile-toggle{display:block}.header-cta{display:none}.hero-grid,.section-head,.steps{grid-template-columns:1fr}.grid{grid-template-columns:repeat(2,1fr)}.card-scene{min-height:290px}.section{padding:72px 0}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.container{width:min(var(--max),calc(100% - 28px))}.hero{padding:55px 0}.grid{grid-template-columns:1fr}.hero-actions .btn{width:100%}.anchor .container{justify-content:flex-start;overflow:auto;white-space:nowrap}.footer-grid{grid-template-columns:1fr}}
.card-visual{min-height:360px;position:relative;display:grid;place-items:center}.float-tag{position:absolute;background:#fff;border:1px solid #ddd;border-radius:12px;padding:10px 12px;box-shadow:0 12px 30px #0001;font-size:10px;font-weight:900}.tag1{top:45px;left:3%}.tag2{right:0;bottom:55px}.anchor-bar{background:#111;color:#fff}.anchor-inner{height:48px;display:flex;align-items:center;justify-content:center;gap:36px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.section-soft{background:var(--soft)}.step-no{font-size:11px;font-weight:900}@media(max-width:900px){.grid-4,.grid-3{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.grid-4,.grid-3{grid-template-columns:1fr}}


/* v3 — visual consistency fixes */
.header-cta,.btn-primary{color:#111!important;background:var(--y)!important;border-color:var(--y)!important}
.btn-secondary{color:#111!important;background:var(--y)!important;border-color:var(--y)!important}
.callout .btn-primary{color:#111!important;background:var(--y)!important}
.callout .eyebrow{color:#111!important;background:var(--y)!important}
.anchor a{color:#fff!important;opacity:1!important}
.anchor a[href="#safety"]{color:var(--y)!important}
/* Cards now use one coherent visual language instead of a random single yellow/black card. */
.tile,.tile.yellow,.tile.black,.tile.dark{background:#fff!important;color:#111!important;border:1px solid var(--line)!important}
.tile .num,.tile.yellow .num,.tile.black .num,.tile.dark .num{display:inline-flex;width:max-content;min-width:28px;height:22px;padding:0 7px;align-items:center;justify-content:center;background:var(--y);color:#111!important;border-radius:999px}
.tile p,.tile.yellow p,.tile.black p,.tile.dark p{color:#6f6f6f!important}
.tile:hover{border-color:var(--y)!important;box-shadow:0 18px 38px #0000000d}
.main-nav{gap:19px}.main-nav a{white-space:nowrap}
.site-footer .brand{color:#fff}.site-footer .brand-mark{color:#111}
@media(max-width:1050px){.main-nav{gap:13px;font-size:11px}.header-cta{padding:0 14px}}

/* v4 visual polish */
:root{--muted:#626262;--muted-soft:#7a7a7a;--max:1240px}
.brand{gap:0;font-size:16px}.brand-mark{display:none!important}
.main-nav{font-size:13px;gap:27px}.header-cta,.btn{font-size:13px}
.lead,.section-head p,.tile p,.step p,.callout p,.faq p,.content p,.content li{color:var(--muted)!important}
.muted{color:#7b7b7b!important}
.hero-grid{gap:58px}.bank-card{width:min(410px,88%)}
.btn-primary,.btn-secondary,.header-cta{color:#111!important;background:var(--y)!important;border:1px solid var(--y)!important;padding:0 20px;border-radius:12px}
.btn-secondary{box-shadow:inset 0 0 0 1px #111}.callout .eyebrow{color:#111!important}.callout .btn-primary{color:#111!important}
.tile.yellow{background:#fff;border-color:var(--line)}.tile.dark,.tile.black{background:#fff!important;border-color:var(--line)!important;color:var(--ink)!important}
.tile.dark p,.tile.black p{color:var(--muted)!important}
.section-soft{background:var(--soft)}
.page-hero{padding:68px 0}.page-hero + .section{padding-top:72px}
.step{grid-template-columns:64px 1fr;padding:23px 0}.step .num,.step>span:first-child{font-weight:900;color:#111}.step p{font-size:13px}
.referral-cta{margin-top:36px;background:var(--cream);border:1px solid #f0df87;border-radius:24px;padding:30px;display:flex;align-items:center;justify-content:space-between;gap:28px}.referral-cta h3{font-size:28px;margin-bottom:9px}.referral-cta p{margin:0;color:var(--muted);max-width:690px;font-size:13px}
@media(max-width:900px){.referral-cta{align-items:flex-start;flex-direction:column}}

/* v5 content spacing */
.compact-section{padding-top:76px;padding-bottom:76px}.faq h2{margin-bottom:28px}.step strong{font-size:17px}.step p{line-height:1.65}.tile p{line-height:1.6}.callout h3{line-height:1.08}@media(max-width:600px){.compact-section{padding-top:58px;padding-bottom:58px}}
.section-more{margin-top:28px}.feature-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}.feature-list{display:grid;gap:0;border-top:1px solid var(--border)}.feature-list>div{padding:22px 0;border-bottom:1px solid var(--border)}.feature-list strong{font-size:20px}.feature-list p{margin:8px 0 0;color:var(--muted);line-height:1.65}.bonus-flow{max-width:820px;margin:0 auto 42px}@media(max-width:820px){.feature-split{grid-template-columns:1fr;gap:30px}}

/* v7 — unified typography and page separation */
:root{--muted:#4b4b4b;--muted-soft:#5f5f5f}
.muted{color:var(--ink)!important;font-weight:inherit}
.lead,.section-head p,.tile p,.step p,.callout p,.faq p,.content p,.content li,.feature-list p,.referral-cta p{color:var(--muted)!important}
.callout .eyebrow{color:#111!important;background:var(--y)!important}
.callout p{color:#d0d0d0!important}
.home-intro{display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:start}
.home-links{display:grid;grid-template-columns:1fr 1fr;gap:12px}.home-link{border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff;min-height:160px;display:flex;flex-direction:column;justify-content:space-between}.home-link:hover{transform:translateY(-3px)}.home-link .arrow{font-size:22px;font-weight:900}.home-link p{color:var(--muted);font-size:13px;margin:8px 0 0}.home-link h3{font-size:22px}.home-note{max-width:720px;margin-top:24px;color:var(--muted)}
@media(max-width:900px){.home-intro{grid-template-columns:1fr;gap:35px}.home-links{grid-template-columns:1fr 1fr}}@media(max-width:600px){.home-links{grid-template-columns:1fr}}

/* v8 typography: headings stay solid black; gray is reserved for supporting copy */
h1,h2,h3,h4,h5,h6,.muted{color:#111 !important;}
p,.lead,.home-note,.tile p,.step p,.feature-list p,.faq p{color:#555 !important;}
.content-copy{max-width:900px;font-size:17px;line-height:1.75;color:var(--text-muted,#4d4d4d)}
.content-copy p{margin:0 0 18px}.section-action{margin-top:28px}
/* v10 SEO/navigation polish */
.breadcrumbs{display:flex;gap:9px;align-items:center;font-size:12px;font-weight:750;color:#666;margin-bottom:24px}.breadcrumbs a{text-decoration:underline;text-underline-offset:3px}.updated{display:inline-flex;margin-top:16px;padding:8px 12px;border:1px solid var(--line);border-radius:999px;font-size:11px;font-weight:800;color:#555;background:#fff}.source-box{margin-top:28px;padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff}.source-box p{margin-bottom:0}.source-box a{text-decoration:underline;text-underline-offset:3px;font-weight:800}.main-nav{gap:20px}.main-nav a{white-space:nowrap}@media(max-width:1100px){.main-nav{gap:14px;font-size:12px}.header-inner{gap:18px}}

/* v11: prevent horizontal overflow without hiding layout bugs */
html,body{max-width:100%;overflow-x:hidden}
img,svg,video,iframe{max-width:100%;height:auto}
body *{min-width:0}
.container{max-width:100%}
.site-header,.hero,.page-hero,.section,.soft,.section-soft,.site-footer,.anchor,.anchor-bar{max-width:100%;overflow-x:clip}
.header-inner{max-width:100%}
.bank-card{max-width:100%}
.card-scene,.card-visual{max-width:100%;overflow:visible}
.content,.content-copy,.faq{width:100%;max-width:100%}
pre,code{max-width:100%;overflow-wrap:anywhere;word-break:break-word}
a,p,h1,h2,h3,li,strong,span{overflow-wrap:break-word}
@media(max-width:900px){
  .hero-grid,.section-head,.steps,.feature-split,.home-intro{width:100%}
  .bank-card{width:min(390px,82vw)}
  .float,.float-tag{max-width:46vw}
  .anchor,.anchor-bar{overflow:hidden}
  .anchor .container,.anchor-inner{width:100%;max-width:100%;overflow-x:auto;overflow-y:hidden;-webkit-overflow-scrolling:touch;scrollbar-width:none}
  .anchor .container::-webkit-scrollbar,.anchor-inner::-webkit-scrollbar{display:none}
}
@media(max-width:600px){
  .container{width:calc(100% - 28px);max-width:100%}
  h1{font-size:clamp(40px,13vw,56px)}
  h2{font-size:clamp(32px,10vw,44px)}
  .hero-grid{gap:34px}
  .card-scene,.card-visual{min-height:250px}
  .bank-card{width:min(330px,78vw);padding:26px;border-radius:22px}
  .bank-card:before{right:-18px;bottom:-20px;width:78px;height:78px}
  .f1,.tag1{left:0;top:20px}.f2,.tag2{right:0;bottom:28px}
  .callout,.referral-cta{width:100%;max-width:100%}
  .breadcrumbs{flex-wrap:wrap}
}

/* v13: dedicated mobile layout fixes */
.callout h3{color:#fff}
.callout .btn,.callout .btn-primary{flex:0 0 auto;white-space:nowrap;word-break:normal;overflow-wrap:normal}
.anchor a,.anchor-bar a{flex:0 0 auto;white-space:nowrap;word-break:normal;overflow-wrap:normal}
.mobile-toggle{color:#111;line-height:1;cursor:pointer}

@media(max-width:900px){
  .site-header{overflow:visible}
  .header-inner{height:64px;position:relative;gap:14px}
  .brand{font-size:16px;margin-right:auto;white-space:nowrap;word-break:normal;overflow-wrap:normal}
  .mobile-toggle{display:flex;align-items:center;justify-content:center;width:42px;height:42px;padding:0;border:1px solid var(--line);border-radius:11px;background:#fff;font-size:0;flex:0 0 42px}
  .mobile-toggle::before{content:"☰";font-size:22px;font-weight:900}
  .mobile-toggle.is-open::before{content:"×";font-size:28px}
  .main-nav{display:none;position:absolute;top:calc(100% + 1px);left:0;right:0;z-index:100;background:#fff;border:1px solid var(--line);border-radius:0 0 18px 18px;padding:12px 14px 16px;box-shadow:0 18px 38px #0002;flex-direction:column;gap:0;font-size:15px}
  .main-nav.is-open{display:flex}
  .main-nav a{display:block;padding:12px 8px;border-bottom:1px solid #eee;white-space:normal;word-break:normal;overflow-wrap:normal}
  .main-nav a:last-child{border-bottom:0}
  .header-cta{display:none}
  .anchor .container,.anchor-inner{justify-content:flex-start;gap:24px;padding-left:0;padding-right:0}
  .anchor a:after{margin-left:12px}
  .callout{align-items:flex-start;flex-direction:column;gap:22px}
  .callout .btn,.callout .btn-primary{width:auto;max-width:100%;min-width:0;padding-left:18px;padding-right:18px}
}

@media(max-width:600px){
  .hero{padding:46px 0 52px}
  .hero h1{font-size:clamp(42px,12vw,54px);line-height:.98}
  .lead{font-size:17px;line-height:1.55}
  .hero-actions{display:grid;grid-template-columns:1fr;gap:10px}
  .hero-actions .btn{width:100%;min-height:48px;white-space:nowrap;word-break:normal;overflow-wrap:normal;font-size:15px}
  .checks{gap:10px 16px;font-size:12px}
  .card-scene,.card-visual{min-height:300px;margin-top:8px}
  .bank-card{width:min(350px,88vw);max-width:calc(100vw - 52px)}
  .float,.float-tag{max-width:52vw;word-break:normal;overflow-wrap:normal}
  .anchor .container,.anchor-inner{height:52px;font-size:10px;gap:22px}
  .section{padding:62px 0}
  .callout{padding:26px 22px;border-radius:22px}
  .callout h3{font-size:28px;line-height:1.05;color:#fff!important}
  .callout p{font-size:14px;line-height:1.6;color:#d0d0d0}
  .callout .btn,.callout .btn-primary{width:100%;white-space:normal;text-align:center;line-height:1.2;padding:13px 16px}
  .page-hero{padding:48px 0}
  .page-hero h1{font-size:clamp(40px,11vw,52px)}
}

/* v14: keep content and FAQ sections aligned with the global desktop grid */
.container.content,
.container.faq{
  width:min(var(--max),calc(100% - 40px));
  max-width:var(--max);
  margin-left:auto;
  margin-right:auto;
}
.container.content{max-width:1100px}
.container.faq{max-width:1100px}
.container.content .source-box{max-width:920px}
.container.faq h2{max-width:850px}
.container.faq details{max-width:100%;}
.callout h3{color:#fff!important}

@media(max-width:600px){
  .container.content,
  .container.faq{
    width:calc(100% - 28px);
    max-width:100%;
  }
}


/* v17: authorship, source transparency and trust layer */
.article-byline{display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center;margin-top:18px;font-size:11px;font-weight:800;color:#555}
.article-byline span{display:inline-flex;align-items:center;gap:4px;white-space:nowrap;word-break:normal;overflow-wrap:normal}
.article-byline span+span:before{content:"•";color:#b4b4b4;margin-right:6px}
.article-byline a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.article-byline a:hover{opacity:.65}
.text-link{text-decoration:underline;text-underline-offset:4px;font-weight:800}
.trust-section{border-top:1px solid #eee}
.trust-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.trust-layout{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}
.trust-copy{font-size:17px;line-height:1.75;max-width:760px}
.trust-copy p{margin:0 0 18px;color:#4f4f4f!important}
.trust-source{max-width:920px}
.source-section{padding-top:0}
.source-section .source-box{margin-top:0}
.author-layout{display:grid;grid-template-columns:280px 1fr;gap:70px;align-items:start}
.author-card{border:1px solid var(--line);border-radius:24px;padding:26px;background:#fff;display:flex;flex-direction:column;gap:5px;position:sticky;top:100px}
.author-card strong{font-size:22px;letter-spacing:-.03em}
.author-card span{font-size:12px;color:#666}
.author-monogram{width:72px;height:72px;border-radius:22px;background:var(--y);display:grid;place-items:center;font-weight:950;font-size:24px;margin-bottom:14px;color:#111}
.author-copy{max-width:820px!important}
.author-copy h2{margin-top:0}
.footer-grid-v17{grid-template-columns:1.8fr 1fr 1fr 1.1fr}
.footer-domain{font-size:18px;font-weight:900;letter-spacing:-.03em;margin-bottom:14px;color:#fff}
.footer-author{margin-top:18px}
.footer-author a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.footer-disclosure{margin-top:34px;padding:18px 0;border-top:1px solid #2d2d2d;border-bottom:1px solid #2d2d2d;color:#929292;font-size:11px;line-height:1.65;max-width:100%}
.footer-disclosure code{font:inherit;color:#bdbdbd}
.site-footer .footer-grid-v17 p{margin:0 0 10px}
.site-footer .footer-grid-v17 h3{margin-bottom:16px;color:#fff!important}
.site-footer .footer-grid-v17 a:hover{color:#fff}
.updated{white-space:nowrap;word-break:normal;overflow-wrap:normal}

@media(max-width:1000px){
  .footer-grid-v17{grid-template-columns:1.4fr 1fr 1fr}
  .footer-grid-v17>div:last-child{grid-column:2/4}
  .trust-layout{grid-template-columns:1fr;gap:30px}
}
@media(max-width:760px){
  .author-layout{grid-template-columns:1fr;gap:32px}
  .author-card{position:static;max-width:420px}
  .footer-grid-v17{grid-template-columns:1fr 1fr}
  .footer-grid-v17>div:last-child{grid-column:auto}
}
@media(max-width:600px){
  .article-byline{align-items:flex-start;flex-direction:column;gap:7px;margin-top:16px}
  .article-byline span+span:before{display:none}
  .article-byline span{white-space:normal}
  .trust-actions{display:grid;grid-template-columns:1fr}
  .trust-actions .btn{width:100%}
  .footer-grid-v17{grid-template-columns:1fr;gap:30px}
  .footer-disclosure{margin-top:26px}
  .author-card{max-width:100%}
}


/* v18: topical depth, author image and competitor-informed content architecture */
.fact-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:28px}
.fact{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff}.fact strong{display:block;font-size:26px;letter-spacing:-.04em;margin-bottom:5px}.fact span{display:block;color:#666;font-size:12px;line-height:1.5}
.steps-compact{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.step-compact{border:1px solid var(--line);border-radius:22px;padding:26px;background:#fff}.step-compact .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:12px;background:var(--y);font-weight:950;font-size:12px;margin-bottom:18px}.step-compact h3{font-size:23px}.step-compact p{margin-bottom:0;color:#555!important}
.requirements{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.requirement{padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff}.requirement strong{display:block;font-size:15px;margin-bottom:7px}.requirement p{margin:0;font-size:13px;color:#555!important}
.card-types{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.card-type-item{border:1px solid var(--line);border-radius:22px;padding:25px;background:#fff;display:flex;flex-direction:column;min-height:230px}.card-type-item .card-tag{display:inline-flex;align-self:flex-start;padding:6px 9px;border-radius:999px;background:#fff1a9;font-size:9px;font-weight:950;letter-spacing:.04em;text-transform:uppercase;margin-bottom:18px}.card-type-item h3{font-size:25px}.card-type-item p{font-size:13px;color:#555!important;flex:1}.card-type-item a{font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px}
.compare-two{display:grid;grid-template-columns:1fr 1fr;gap:14px}.compare-card{border:1px solid var(--line);border-radius:22px;padding:28px;background:#fff}.compare-card h3{font-size:27px}.compare-card ul{padding-left:18px;margin:18px 0 0}.compare-card li{margin:8px 0;color:#555}
.tariff-snapshot{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:24px}.tariff-stat{padding:22px;border-radius:18px;background:#111;color:#fff}.tariff-stat strong{display:block;color:var(--y);font-size:25px;letter-spacing:-.04em}.tariff-stat span{font-size:11px;color:#cfcfcf;line-height:1.45;display:block;margin-top:6px}.tariff-note{font-size:11px;color:#666;margin-top:14px;max-width:900px}
.history-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}.history-points{display:grid;gap:12px}.history-point{border-left:4px solid var(--y);padding:5px 0 5px 18px}.history-point strong{display:block;margin-bottom:4px}.history-point p{margin:0;font-size:13px;color:#555!important}
.people-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.person-card{border:1px solid var(--line);border-radius:22px;padding:24px;background:#fff}.person-card strong{display:block;font-size:18px;letter-spacing:-.02em}.person-card span{display:block;font-size:11px;color:#777;margin:5px 0 12px}.person-card p{font-size:13px;margin:0;color:#555!important}
.support-box{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;border:1px solid var(--line);border-radius:26px;padding:32px;background:#fff}.support-phones{display:grid;gap:10px;align-content:start}.support-phone{display:flex;justify-content:space-between;gap:20px;padding:14px 0;border-bottom:1px solid #eee}.support-phone:last-child{border-bottom:0}.support-phone strong{white-space:nowrap}.support-phone span{font-size:12px;color:#666;text-align:right}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related-card{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff}.related-card h3{font-size:20px}.related-card p{font-size:13px;color:#555!important}.related-card a{font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px}
.author-photo{width:100%;aspect-ratio:1/1;border-radius:20px;object-fit:cover;margin-bottom:14px;background:#eee}.author-monogram.author-large{width:100%;aspect-ratio:1/1;height:auto;border-radius:20px;font-size:44px;margin-bottom:14px}
.page-summary{padding:22px;border:1px solid var(--line);border-radius:18px;background:#fff;margin-top:24px}.page-summary strong{display:block;margin-bottom:8px}.page-summary p{margin:0;color:#555!important}
.info-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px}.info-table{width:100%;border-collapse:collapse;min-width:680px}.info-table th,.info-table td{padding:16px 18px;border-bottom:1px solid #eee;text-align:left;vertical-align:top;font-size:13px}.info-table th{background:#fafafa;font-size:11px;text-transform:uppercase;letter-spacing:.04em}.info-table tr:last-child td{border-bottom:0}
.warning-box{border:1px solid #e0c23a;background:#fff9d7;border-radius:18px;padding:20px;margin-top:24px}.warning-box strong{display:block;margin-bottom:6px}
.editor-note{font-size:12px;color:#666;margin-top:14px}
@media(max-width:1000px){.fact-strip,.tariff-snapshot{grid-template-columns:repeat(2,1fr)}.requirements{grid-template-columns:repeat(2,1fr)}.card-types,.people-grid,.related-grid{grid-template-columns:repeat(2,1fr)}.history-grid,.support-box{grid-template-columns:1fr;gap:30px}}
@media(max-width:760px){.steps-compact,.compare-two{grid-template-columns:1fr}.card-types,.people-grid,.related-grid{grid-template-columns:1fr}}
@media(max-width:600px){.fact-strip,.tariff-snapshot,.requirements{grid-template-columns:1fr}.step-compact,.card-type-item,.compare-card,.person-card,.related-card{padding:22px}.support-box{padding:24px}.support-phone{display:block}.support-phone span{text-align:left;margin-top:4px;display:block}.author-monogram.author-large{max-width:260px}}

/* v19: practical topic cluster, clean source blocks and visible authorship */
.guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.guide-card{border:1px solid var(--line);border-radius:20px;padding:22px;background:#fff;min-height:190px;display:flex;flex-direction:column;transition:.2s}
.guide-card:hover{transform:translateY(-3px);border-color:var(--y);box-shadow:0 16px 34px #0000000d}
.guide-card>span{font-size:9px;font-weight:950;letter-spacing:.08em;color:#777;margin-bottom:28px}
.guide-card h3{font-size:22px;margin-bottom:10px}
.guide-card p{font-size:13px;color:#555!important;margin:auto 0 0}
.topic-layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:64px;align-items:start}
.topic-content{max-width:820px!important}
.topic-content .topic-intro{font-size:19px;line-height:1.75;color:#333!important;margin:0 0 30px}
.topic-content h2{font-size:34px;margin:42px 0 14px}
.topic-content p{font-size:15px;line-height:1.75}
.topic-facts{position:sticky;top:100px;border:1px solid var(--line);border-radius:24px;padding:24px;background:#fff}
.mini-label{display:inline-block;font-size:9px;font-weight:950;letter-spacing:.08em;color:#777;margin-bottom:16px}
.topic-fact{padding:18px 0;border-top:1px solid #eee}.topic-fact:first-of-type{border-top:0;padding-top:0}.topic-fact:last-child{padding-bottom:0}
.topic-fact strong{display:block;font-size:16px;margin-bottom:6px}.topic-fact p{font-size:12px;line-height:1.55;color:#5b5b5b!important;margin:0}
.source-panel{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:start;border:1px solid var(--line);border-radius:24px;padding:30px;background:#fff}
.source-panel h2{font-size:34px;margin:0 0 12px}.source-panel p{font-size:13px;color:#555!important;margin:0;max-width:500px}
.source-links{display:grid;gap:8px}.source-links a{display:flex;justify-content:space-between;align-items:center;gap:20px;border:1px solid #eee;border-radius:14px;padding:15px 17px;font-size:13px;font-weight:850;background:#fff}
.source-links a:hover{border-color:var(--y);background:#fffdf4}.source-links a span{font-size:16px}
.author-trust{display:grid;grid-template-columns:92px 1fr;gap:24px;align-items:start;max-width:900px}
.author-trust-media img,.author-trust-media .author-monogram{width:92px;height:92px;border-radius:22px;object-fit:cover;margin:0}
.author-trust .author-monogram{display:grid;place-items:center;background:var(--y);font-weight:950;font-size:28px;color:#111}
.author-trust h3{font-size:26px;margin:0 0 8px}.author-trust p{max-width:720px;margin:0;color:#555!important;font-size:13px;line-height:1.65}
.author-trust-links{display:flex;gap:16px;flex-wrap:wrap;margin-top:14px}.author-trust-links a{font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px}
.article-trust-section{border-top:1px solid #e9e9e9;border-bottom:1px solid #e9e9e9}
.related-section{padding-top:72px}
.related-section .related-card{display:flex;flex-direction:column;min-height:180px;transition:.2s}
.related-section .related-card:hover{transform:translateY(-3px);border-color:var(--y)}
.related-section .related-card span{margin-top:auto;font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px}
.author-public-links{display:flex;flex-wrap:wrap;gap:10px 16px;margin-top:18px;padding-top:18px;border-top:1px solid #eee}.author-public-links strong{width:100%;font-size:13px}
.topic-hero .lead{max-width:760px}
@media(max-width:1050px){.guide-grid{grid-template-columns:repeat(2,1fr)}.topic-layout{grid-template-columns:1fr;gap:34px}.topic-facts{position:static;display:grid;grid-template-columns:repeat(3,1fr);gap:12px;background:transparent;border:0;padding:0}.topic-fact{border:1px solid var(--line)!important;border-radius:18px;padding:20px!important;background:#fff}.source-panel{grid-template-columns:1fr;gap:28px}}
@media(max-width:700px){.guide-grid,.topic-facts{grid-template-columns:1fr}.guide-card{min-height:150px}.guide-card>span{margin-bottom:20px}.source-panel{padding:24px}.source-panel h2{font-size:30px}.author-trust{grid-template-columns:72px 1fr;gap:18px}.author-trust-media img,.author-trust-media .author-monogram{width:72px;height:72px;border-radius:18px}.author-trust h3{font-size:23px}.author-trust-links{flex-direction:column;gap:8px}.topic-content h2{font-size:30px}.topic-content .topic-intro{font-size:17px}.related-section{padding-top:58px}}
.card-links{display:flex;gap:12px;flex-wrap:wrap}.card-links a{font-size:12px!important}.card-links a+ a{color:#666}
.affiliate-note{font-size:10px!important;line-height:1.55;color:#777!important;max-width:600px;margin:14px 0 0}

/* v20: stronger editorial layout, balanced YMYL content and consistent desktop width */
:root{--max:1240px}
.btn-primary,.btn-secondary{display:inline-flex;align-items:center;justify-content:center;min-height:46px;font-size:13px;font-weight:900;transition:.2s}
.btn-primary:hover,.btn-secondary:hover{transform:translateY(-2px)}
.section{padding:88px 0}
.page-hero{padding:74px 0}
.page-hero .lead{max-width:760px;line-height:1.65}
.section-head{gap:72px;margin-bottom:34px}
.section-head p{max-width:590px;line-height:1.65}
.tile{min-height:178px;padding:22px}
.tile h3{line-height:1.08}
.tile-link{position:relative;color:inherit}.tile-link .tile-arrow{font-size:21px;font-weight:950;margin-top:18px}
.home-features .tile{min-height:170px}
.home-features .tile p{margin-top:24px}
.container.content .source-box{max-width:100%}
.faq{max-width:960px}.faq-wide{max-width:1040px}
.source-panel{width:100%}
.author-trust{max-width:none}
.author-meta{display:flex;gap:8px 16px;flex-wrap:wrap;margin:0 0 10px;color:#676767;font-size:11px;font-weight:800}
.author-meta span{display:inline-flex;align-items:center}.author-meta span+span:before{content:"•";margin-right:10px;color:#bbb}
.article-trust-section{background:#f7f7f4}
.article-trust-section .author-trust{border:1px solid var(--line);border-radius:24px;padding:28px;background:#fff}
.home-trust-panel{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(320px,.75fr);gap:36px;align-items:stretch}
.home-trust-panel>.author-trust{border:1px solid var(--line);border-radius:24px;padding:28px;background:#fff}
.trust-facts{display:grid;grid-template-columns:1fr;gap:10px}
.trust-facts>div{border:1px solid var(--line);border-radius:18px;padding:19px 20px;background:#fff}
.trust-facts strong{display:block;font-size:15px;margin-bottom:5px}.trust-facts span{display:block;color:#666;font-size:12px;line-height:1.5}
.balance-grid,.issue-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.balance-card,.issue-card{border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff}
.balance-card strong,.issue-card strong{display:block;font-size:18px;line-height:1.15;margin-bottom:10px}
.balance-card p,.issue-card p{margin:0;color:#555!important;font-size:13px;line-height:1.65}
.bonus-types{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.bonus-type{border:1px solid var(--line);border-radius:22px;padding:25px;background:#fff;display:flex;flex-direction:column;min-height:290px}
.bonus-type h3{font-size:24px;margin:22px 0 12px}.bonus-type p{font-size:13px;line-height:1.65;color:#555!important;margin:0 0 22px}
.bonus-type strong{font-size:12px;margin-top:auto}.bonus-type>span:last-child{font-size:12px;color:#666;margin-top:5px;line-height:1.5}
.benefit-grid .tile{min-height:185px}
.support-box,.history-grid,.trust-section .container{max-width:100%}
.support-box h3{font-size:24px}.support-box p{line-height:1.65;color:#555!important}
.card-visual .mono{font-size:15px;font-weight:900;letter-spacing:.04em}.card-visual .debit{font-size:10px;letter-spacing:.08em;color:#bbb;margin-top:3px}
.main-nav{gap:18px}

@media(max-width:1100px){
  .home-trust-panel{grid-template-columns:1fr}
  .bonus-types{grid-template-columns:1fr 1fr}
  .main-nav{gap:12px;font-size:11px}
}
@media(max-width:800px){
  .balance-grid,.issue-grid,.bonus-types{grid-template-columns:1fr}
  .article-trust-section .author-trust,.home-trust-panel>.author-trust{padding:22px}
}
@media(max-width:600px){
  .section{padding:62px 0}.page-hero{padding:50px 0}
  .tile,.home-features .tile,.benefit-grid .tile{min-height:0}
  .author-meta{display:grid;gap:5px}.author-meta span+span:before{display:none}
  .bonus-type{min-height:0}
}

/* v21: editorial SEO architecture + refined visual system */
:root{--ink:#101114;--muted:#5e625f;--soft:#f4f4ef;--paper:#fbfaf6;--cream:#fff7cf;--line:#dedfd9;--y:#ffd21c;--y-soft:#fff0a1;--shadow:0 18px 50px rgba(17,17,17,.06);--max:1240px}
body{background:var(--paper);color:var(--ink)}
.site-header{background:rgba(251,250,246,.95)}
.hero,.page-hero{background:linear-gradient(112deg,#fff 0 48%,#fff6c8 100%)}
.section{background:#fff}.section-soft,.soft{background:var(--soft)}
.section:nth-of-type(odd):not(.hero):not(.page-hero):not(.section-soft){background:#fff}
.eyebrow{background:var(--y-soft);color:#111;padding:7px 12px}
.lead{font-size:17px;line-height:1.7;color:#555!important}
.section-head{align-items:start}.section-head h2{max-width:760px}.section-head p{font-size:14px}
.home-link,.guide-card,.tile,.card-type-item,.compare-card,.balance-card,.issue-card,.comparison-card,.related-card,.source-panel,.author-trust,.support-box,.page-summary{box-shadow:none}
.home-link:hover,.guide-card:hover,.tile:hover,.comparison-card:hover,.related-card:hover{box-shadow:var(--shadow)}
.home-links{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.home-link{border:1px solid var(--line);border-radius:22px;padding:24px;background:#fff;display:grid;grid-template-columns:1fr auto;gap:14px;min-height:180px;transition:.2s}.home-link>.num{grid-column:1/-1;color:#777}.home-link h3{font-size:26px;margin:0 0 9px}.home-link p{font-size:13px;color:var(--muted);max-width:500px}.home-link .arrow{font-size:24px;align-self:end}
.comparison-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.comparison-card{border:1px solid var(--line);border-radius:22px;background:#fff;padding:26px;min-height:270px;display:flex;flex-direction:column;transition:.2s}.comparison-card>span{font-size:9px;font-weight:950;letter-spacing:.08em;color:#777}.comparison-card h3{font-size:25px;margin:28px 0 13px}.comparison-card p{font-size:13px;line-height:1.65;color:var(--muted);margin:0}.comparison-card a{font-size:12px;font-weight:900;text-decoration:underline;text-underline-offset:3px;margin-top:auto;padding-top:22px}
.evidence-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}.evidence-row>div{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff}.evidence-row strong{display:block;font-size:15px;margin-bottom:7px}.evidence-row span{font-size:12px;color:var(--muted);line-height:1.55}
.editorial-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}.editorial-grid h2{font-size:clamp(38px,4.6vw,58px)}.content-copy p{font-size:15px;color:#505450!important;line-height:1.75;margin:0 0 18px}.contact-pills{display:flex;gap:10px;flex-wrap:wrap;margin:18px 0}.contact-pills a{border:1px solid var(--line);border-radius:999px;padding:10px 14px;background:#fff;font-weight:900;font-size:13px}
.info-table-wrap{background:#fff}.comparison-table td:first-child{white-space:nowrap}.info-table td{line-height:1.55;color:#444}.info-table th{background:#f7f7f3}
.faq-hub{max-width:1040px}.faq-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:54px}.faq-nav a{border:1px solid var(--line);padding:10px 13px;border-radius:999px;background:#fff;font-size:12px;font-weight:900}.faq-group{margin-bottom:64px}.faq-group h2{font-size:38px;margin:0 0 18px}.faq-group details{padding:20px 0;border-top:1px solid var(--line)}.faq-group details:last-child{border-bottom:1px solid var(--line)}.faq-group summary{font-weight:900;cursor:pointer}.faq-group p{color:var(--muted);font-size:14px;line-height:1.7}
.author-profile-v21{display:grid;grid-template-columns:280px 1fr;gap:64px;align-items:start;max-width:1000px}.author-profile-photo img,.author-profile-photo .author-large{width:260px;height:260px;border-radius:32px;object-fit:cover}.author-profile-v21 p{font-size:15px;line-height:1.75;color:#505450}.editor-contact{margin-top:18px;font-size:13px}
.action-link{display:inline-flex;align-items:center;margin-left:18px;font-weight:900;font-size:13px}
.source-panel{box-shadow:var(--shadow)}
.site-footer{background:#0f1012}.footer-domain{font-size:22px;font-weight:950;letter-spacing:-.04em;margin-bottom:12px}.site-footer h3{color:#fff;font-size:13px}.site-footer a:hover{color:#fff}.footer-disclosure{max-width:900px;line-height:1.65}
.topic-content .page-summary{margin:0 0 34px}.topic-content .page-summary p{font-size:17px!important;line-height:1.7}.topic-facts{box-shadow:var(--shadow)}
@media(max-width:1000px){.comparison-cards,.evidence-row{grid-template-columns:1fr 1fr}.editorial-grid{grid-template-columns:1fr;gap:30px}.author-profile-v21{grid-template-columns:220px 1fr}.author-profile-photo img,.author-profile-photo .author-large{width:200px;height:200px}.home-links{grid-template-columns:1fr}.home-link{min-height:0}}
@media(max-width:700px){.comparison-cards,.evidence-row{grid-template-columns:1fr}.comparison-card{min-height:0}.author-profile-v21{grid-template-columns:1fr}.author-profile-photo img,.author-profile-photo .author-large{width:150px;height:150px;border-radius:24px}.action-link{margin-left:0;margin-top:14px}.faq-group h2{font-size:32px}}


/* v22: final editorial polish, accessibility and trust components */
:root{
  --soft:#f4f3ee;
  --cream:#fff6cf;
  --line:#d9d6cf;
  --muted:#5f625f;
}
body{background:#fffefa}
a:focus-visible,button:focus-visible,summary:focus-visible{
  outline:3px solid #111;
  outline-offset:3px;
  border-radius:8px;
}
.text-link{text-underline-offset:3px}
.micro-note{font-size:12px!important;color:var(--muted)!important;line-height:1.55}
.support-phones-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.timeline-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.timeline-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;min-height:150px;display:flex;flex-direction:column;gap:14px}
.timeline-card strong{font-size:30px;line-height:1;letter-spacing:-.04em}
.timeline-card span{font-size:13px;line-height:1.55;color:var(--muted)}
.editor-note strong{color:var(--ink)}
.info-table th{background:#f0efe9}
.source-panel,.author-trust,.support-box,.referral-cta{box-shadow:0 14px 34px rgba(17,17,17,.035)}
.related-card,.guide-card,.comparison-card,.balance-card,.issue-card,.bonus-type,.topic-fact{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.related-card:hover,.guide-card:hover,.comparison-card:hover,.balance-card:hover,.issue-card:hover,.bonus-type:hover,.topic-fact:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 28px rgba(17,17,17,.045);
  border-color:#c8c4bb;
}
@media(max-width:900px){
  .support-phones-3,.timeline-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
  .support-phones-3,.timeline-grid{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none!important;animation:none!important}
}

/* v23: mobile production pass — no accidental horizontal page scroll */
html,body{width:100%;max-width:100%;overflow-x:clip}
.site-header,.hero,.page-hero,.section,.section-soft,.soft,.site-footer{width:100%;max-width:100%}
.container{min-width:0}
img,svg,video,iframe,table{max-width:100%}

/* Intentional horizontal rails are isolated; they must never widen the document. */
.anchor-bar{width:100%;max-width:100%;overflow:hidden}
.anchor-inner{max-width:100%;min-width:0}
.info-table-wrap{max-width:100%;overscroll-behavior-inline:contain;-webkit-overflow-scrolling:touch}

@media(max-width:900px){
  .header-inner{width:calc(100% - 28px);max-width:none}
  .main-nav{left:-1px;right:-1px;width:auto;max-width:none}
  .anchor-inner{width:100%;padding:0 14px!important;gap:18px;scroll-padding-inline:14px}
  .anchor-inner::after{content:"";flex:0 0 1px;height:1px}
  .section-head{gap:20px}
  .page-hero .lead{max-width:100%}
}

@media(max-width:600px){
  /* Keep editorial headlines strong without consuming an entire phone viewport. */
  h1,.hero h1,.page-hero h1{font-size:clamp(38px,10.8vw,48px);line-height:1.01;letter-spacing:-.055em}
  h2{font-size:clamp(31px,9.2vw,41px);line-height:1.02}
  h3{line-height:1.08}
  .page-hero{padding:42px 0 46px}
  .page-hero .lead,.hero .lead{font-size:16px;line-height:1.58}
  .article-byline{width:100%;gap:6px;margin-top:18px}
  .article-byline span{width:100%;display:block;line-height:1.45}
  .anchor-bar{position:relative}
  .anchor-inner{height:50px;font-size:9px;gap:18px}
  .anchor-inner a{flex:0 0 auto;max-width:none}
  .grid-3,.grid-4,.comparison-cards,.balance-grid,.issue-grid,.bonus-types,.evidence-row{width:100%;max-width:100%}
  .tile,.comparison-card,.balance-card,.issue-card,.bonus-type,.step-compact,.topic-fact{max-width:100%;overflow:hidden}
  .info-table-wrap{width:100%;border-radius:16px}
  .info-table{max-width:none}
  .source-panel,.author-trust,.support-box,.referral-cta,.callout{max-width:100%}
}


/* v24: stronger editorial rhythm — section intro sits under the heading, not as a floating side note */
.section-head{display:block!important;max-width:860px;margin-bottom:36px!important}
.section-head>div{max-width:820px}
.section-head h2{max-width:820px!important}
.section-head p{max-width:720px!important;margin:16px 0 0!important;font-size:14px!important;line-height:1.7!important}
.section-head .eyebrow{margin-bottom:14px}
.footer-disclosure{display:none!important}
.author-profile-photo .author-large{display:grid;place-items:center;background:var(--y);color:#111}
@media(max-width:900px){.section-head{max-width:100%;margin-bottom:30px!important}.section-head p{max-width:100%!important}}
@media(max-width:600px){.section-head{margin-bottom:26px!important}.section-head p{margin-top:13px!important;font-size:14px!important}.author-profile-photo .author-large{width:120px;height:120px;border-radius:24px}}


/* v25: launch polish — simpler navigation, cleaner footer and tighter editorial rhythm */
.main-nav{gap:24px}
.section{padding:84px 0}
.page-hero{padding:64px 0}
.section-head{max-width:820px;margin-bottom:32px!important}
.section-head>div,.section-head h2{max-width:780px!important}
.section-head p{max-width:700px!important;margin-top:14px!important;color:#5d605d!important}
.footer-grid-v25{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:46px}
.footer-grid-v25 .footer-about p{max-width:330px;line-height:1.65;margin:0}
.footer-grid-v25 h3{margin:0 0 16px;color:#fff!important}
.footer-grid-v25 p{margin:0 0 9px}
.site-footer{padding-top:48px}
.footer-bottom{margin-top:30px}
.author-trust p{max-width:700px}
@media(max-width:1000px){
  .footer-grid-v25{grid-template-columns:1.35fr 1fr 1fr}
  .footer-grid-v25>div:last-child{grid-column:2/4}
}
@media(max-width:760px){
  .footer-grid-v25{grid-template-columns:1fr 1fr;gap:30px}
  .footer-grid-v25>div:last-child{grid-column:auto}
}
@media(max-width:600px){
  .section{padding:58px 0}
  .page-hero{padding:44px 0}
  .section-head{margin-bottom:24px!important}
  .footer-grid-v25{grid-template-columns:1fr;gap:28px}
  .site-footer{padding-top:40px}
}

/* v25.1: mobile navigation finishing pass */
.nav-mobile-cta{display:none!important}
@media(max-width:900px){
  .main-nav .nav-mobile-cta{display:flex!important;align-items:center;justify-content:center;margin-top:12px;padding:13px 16px!important;border:0!important;border-radius:12px;background:var(--y);color:#111!important;font-weight:900;text-align:center}
}


/* v26: centered desktop header, denser source blocks and mobile comparison cards */
@media(min-width:901px){
  .header-inner{
    display:grid;
    grid-template-columns:minmax(140px,1fr) auto minmax(140px,1fr);
    align-items:center;
    gap:24px;
  }
  .brand{margin-right:0;justify-self:start}
  .main-nav{justify-self:center;align-items:center}
  .header-cta{justify-self:end}
}

/* Source blocks should read like a useful evidence panel, not a mostly empty page. */
.source-section{padding:46px 0!important}
.source-panel{
  grid-template-columns:minmax(260px,.82fr) minmax(0,1.18fr);
  gap:32px;
  padding:28px;
  align-items:stretch;
  background:linear-gradient(135deg,#fff 0%,#fffdf3 100%);
}
.source-panel>div:first-child{display:flex;flex-direction:column;justify-content:center;min-width:0}
.source-panel h2{font-size:clamp(28px,2.55vw,38px);line-height:1.02;margin-bottom:10px}
.source-panel p{line-height:1.65}
.source-links{grid-template-columns:repeat(2,minmax(0,1fr));align-content:start}
.source-links a{min-width:0;line-height:1.3;padding:14px 15px}
.article-trust-section{padding:46px 0!important}
.article-trust-section .author-trust{max-width:1000px}
.related-section{padding-top:64px}

@media(max-width:900px){
  .source-section{padding:38px 0!important}
  .source-panel{grid-template-columns:1fr;gap:22px;padding:24px}
  .source-links{grid-template-columns:1fr 1fr}
  .article-trust-section{padding:40px 0!important}
}

@media(max-width:650px){
  .source-section{padding:30px 0!important}
  .source-panel{padding:20px;border-radius:20px}
  .source-panel h2{font-size:30px}
  .source-links{grid-template-columns:1fr}
  .source-links a{padding:14px}
  .article-trust-section{padding:34px 0!important}
  .related-section{padding-top:48px}

  /* The card-comparison table becomes readable cards instead of a clipped wide table. */
  .comparison-table{display:block;min-width:0!important;width:100%}
  .comparison-table thead{display:none}
  .comparison-table tbody{display:grid;gap:12px}
  .comparison-table tr{display:block;border:1px solid var(--line);border-radius:18px;background:#fff;padding:16px 18px}
  .comparison-table td{display:grid;grid-template-columns:112px minmax(0,1fr);gap:12px;width:100%;padding:9px 0!important;border:0!important;white-space:normal!important;font-size:14px;line-height:1.5}
  .comparison-table td::before{font-size:10px;font-weight:950;letter-spacing:.05em;text-transform:uppercase;color:#777}
  .comparison-table td:nth-child(1)::before{content:"Картка"}
  .comparison-table td:nth-child(2)::before{content:"Основна роль"}
  .comparison-table td:nth-child(3)::before{content:"Кредитний ліміт"}
  .comparison-table td:nth-child(4)::before{content:"Формат"}
  .comparison-table td:nth-child(5)::before{content:"Що перевірити"}
  .comparison-table td:first-child{padding-top:0!important}
  .comparison-table td:last-child{padding-bottom:0!important}
}


/* v27: final responsive polish — true centered desktop nav, calmer phone typography,
   compact editorial patterns, mobile table cards and a shorter footer */
@media(min-width:901px){
  .header-inner{
    position:relative;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:24px;
  }
  .brand{margin-right:0;flex:0 0 auto;min-width:150px}
  .main-nav{
    position:absolute;
    left:50%;
    top:50%;
    transform:translate(-50%,-50%);
    justify-content:center;
    align-items:center;
    white-space:nowrap;
    gap:20px;
  }
  .header-cta{margin-left:auto;flex:0 0 auto}
}
@media(min-width:901px) and (max-width:1120px){
  .main-nav{gap:13px;font-size:11px}
  .header-cta{padding-left:14px;padding-right:14px}
  .brand{min-width:125px}
}

/* Dense evidence/source areas: keep authority signals without creating an empty-looking page. */
.source-panel{min-height:0}
.source-links a{min-height:48px}
.article-trust-section .author-trust{padding:24px}
.related-section{padding-top:54px}

/* Shorter, clearer global footer. Internal contextual links stay inside the articles. */
.footer-grid-v27{display:grid;grid-template-columns:1.55fr 1fr 1fr;gap:54px;align-items:start}
.footer-grid-v27 .footer-about p{max-width:360px;line-height:1.65;margin:0;color:#9ea09d}
.footer-grid-v27 h3{margin:0 0 15px;color:#fff!important}
.footer-grid-v27 p{margin:0 0 9px}
.footer-grid-v27 a{line-height:1.45}
.footer-grid-v27 a:hover{color:#fff}

@media(max-width:700px){
  /* Strong, but no longer 4–5-line display headlines on a phone. */
  h1,.hero h1,.page-hero h1{
    font-size:clamp(36px,9.5vw,44px);
    line-height:1.015;
    letter-spacing:-.052em;
  }
  h2,.section-head h2,.topic-content h2{
    font-size:clamp(29px,7.9vw,36px)!important;
    line-height:1.035;
    letter-spacing:-.045em;
  }
  .page-hero{padding:38px 0 42px}
  .page-hero .lead,.hero .lead{font-size:16px;line-height:1.55}
  .section{padding:52px 0}
  .section-head{margin-bottom:21px!important}
  .section-head p{font-size:14px!important;line-height:1.62!important}
  .eyebrow{padding:6px 10px;margin-bottom:13px;font-size:9px}

  /* Connected rows give long pages visual variety and remove unnecessary card height. */
  .evidence-row{
    display:block!important;
    margin-top:18px;
    border:1px solid var(--line);
    border-radius:18px;
    overflow:hidden;
    background:#fff;
  }
  .evidence-row>div{
    border:0!important;
    border-bottom:1px solid var(--line)!important;
    border-radius:0!important;
    padding:18px 19px!important;
    background:#fff;
  }
  .evidence-row>div:last-child{border-bottom:0!important}
  .evidence-row strong{font-size:17px;margin-bottom:7px}
  .evidence-row span{font-size:13px;line-height:1.55}

  .tile,.step-compact,.card-type-item,.compare-card,.comparison-card,.balance-card,.issue-card,.bonus-type,.person-card,.related-card{
    padding:19px!important;
  }
  .tile h3,.step-compact h3,.card-type-item h3{font-size:21px}
  .callout{padding:24px;border-radius:22px;gap:18px}
  .callout h3{font-size:28px;line-height:1.03}
  .callout p{font-size:14px;line-height:1.55}

  /* Both editorial tables become native-feeling cards; no clipped columns or horizontal page scroll. */
  .comparison-table-wrap,.operations-table-wrap{
    overflow:visible!important;
    border:0!important;
    border-radius:0!important;
    background:transparent!important;
  }
  .comparison-table,.operations-table{
    display:block;
    width:100%;
    min-width:0!important;
    max-width:100%;
  }
  .comparison-table thead,.operations-table thead{display:none}
  .comparison-table tbody,.operations-table tbody{display:grid;gap:12px;width:100%}
  .comparison-table tr,.operations-table tr{
    display:block;
    width:100%;
    border:1px solid var(--line);
    border-radius:18px;
    background:#fff;
    padding:16px 18px;
    overflow:hidden;
  }
  .comparison-table td,.operations-table td{
    display:grid;
    grid-template-columns:104px minmax(0,1fr);
    gap:11px;
    width:100%;
    padding:9px 0!important;
    border:0!important;
    white-space:normal!important;
    overflow-wrap:anywhere;
    font-size:14px;
    line-height:1.48;
  }
  .comparison-table td::before,.operations-table td::before{
    font-size:9px;
    line-height:1.35;
    font-weight:950;
    letter-spacing:.055em;
    text-transform:uppercase;
    color:#7a7b77;
  }
  .comparison-table td:nth-child(1)::before{content:"Картка"}
  .comparison-table td:nth-child(2)::before{content:"Основна роль"}
  .comparison-table td:nth-child(3)::before{content:"Кредитний ліміт"}
  .comparison-table td:nth-child(4)::before{content:"Формат"}
  .comparison-table td:nth-child(5)::before{content:"Що перевірити"}
  .operations-table td:nth-child(1)::before{content:"Операція"}
  .operations-table td:nth-child(2)::before{content:"Тариф"}
  .operations-table td:nth-child(3)::before{content:"Перед дією"}
  .comparison-table td:first-child,.operations-table td:first-child{padding-top:0!important}
  .comparison-table td:last-child,.operations-table td:last-child{padding-bottom:0!important}
  .comparison-table td:first-child strong,.operations-table td:first-child strong{font-size:16px}

  /* Related links at the bottom read as a compact continuation, not four more oversized cards. */
  .related-grid{
    display:block!important;
    border:1px solid var(--line);
    border-radius:18px;
    overflow:hidden;
    background:#fff;
  }
  .related-section .related-card{
    min-height:0!important;
    border:0!important;
    border-bottom:1px solid var(--line)!important;
    border-radius:0!important;
    box-shadow:none!important;
    transform:none!important;
  }
  .related-section .related-card:last-child{border-bottom:0!important}
  .related-section .related-card h3{font-size:19px;line-height:1.08;margin-bottom:8px}
  .related-section .related-card p{margin:0 0 12px;font-size:13px;line-height:1.5}
  .related-section .related-card span{margin-top:0}

  .article-trust-section{padding:30px 0!important}
  .article-trust-section .author-trust{padding:20px;border-radius:20px}
  .author-trust{grid-template-columns:62px minmax(0,1fr);gap:16px}
  .author-trust-media img,.author-trust-media .author-monogram{width:62px;height:62px;border-radius:16px}
  .author-trust h3{font-size:22px}
  .author-trust p{font-size:13px;line-height:1.55}

  .source-section{padding:26px 0!important}
  .source-panel{padding:19px;border-radius:18px;gap:18px}
  .source-panel h2{font-size:29px!important}

  /* The footer now uses two compact link columns under the disclaimer. */
  .site-footer{padding:34px 0 22px}
  .footer-grid-v27{grid-template-columns:1fr 1fr;gap:24px 20px}
  .footer-grid-v27 .footer-about{grid-column:1/-1;padding-bottom:3px}
  .footer-grid-v27 .footer-domain{margin-bottom:8px}
  .footer-grid-v27 h3{font-size:14px;margin-bottom:13px}
  .footer-grid-v27 p{margin-bottom:8px}
  .footer-grid-v27 a,.footer-grid-v27 p{font-size:12px}
  .footer-bottom{margin-top:24px;padding-top:16px;font-size:10px;line-height:1.5}
}

@media(max-width:430px){
  .comparison-table td,.operations-table td{grid-template-columns:90px minmax(0,1fr);gap:9px;font-size:13px}
  .footer-grid-v27{gap:22px 14px}
}


/* v28: final launch polish — clearer navigation label and tablet-safe editorial tables. */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
@media(min-width:901px) and (max-width:1180px){
  .main-nav{gap:11px;font-size:10.5px}
  .header-cta{padding-left:13px;padding-right:13px}
}
@media(max-width:820px){
  .comparison-table-wrap,.operations-table-wrap{overflow:visible!important;border:0!important;border-radius:0!important;background:transparent!important}
  .comparison-table,.operations-table{display:block;width:100%;min-width:0!important;max-width:100%}
  .comparison-table thead,.operations-table thead{display:none}
  .comparison-table tbody,.operations-table tbody{display:grid;gap:12px;width:100%}
  .comparison-table tr,.operations-table tr{display:block;width:100%;border:1px solid var(--line);border-radius:18px;background:#fff;padding:16px 18px;overflow:hidden}
  .comparison-table td,.operations-table td{display:grid;grid-template-columns:104px minmax(0,1fr);gap:11px;width:100%;padding:9px 0!important;border:0!important;white-space:normal!important;overflow-wrap:anywhere;font-size:14px;line-height:1.48}
  .comparison-table td::before,.operations-table td::before{font-size:9px;line-height:1.35;font-weight:950;letter-spacing:.055em;text-transform:uppercase;color:#7a7b77}
  .comparison-table td:nth-child(1)::before{content:"Картка"}
  .comparison-table td:nth-child(2)::before{content:"Основна роль"}
  .comparison-table td:nth-child(3)::before{content:"Кредитний ліміт"}
  .comparison-table td:nth-child(4)::before{content:"Формат"}
  .comparison-table td:nth-child(5)::before{content:"Що перевірити"}
  .operations-table td:nth-child(1)::before{content:"Операція"}
  .operations-table td:nth-child(2)::before{content:"Тариф"}
  .operations-table td:nth-child(3)::before{content:"Перед дією"}
  .comparison-table td:first-child,.operations-table td:first-child{padding-top:0!important}
  .comparison-table td:last-child,.operations-table td:last-child{padding-bottom:0!important}
  .comparison-table td:first-child strong,.operations-table td:first-child strong{font-size:16px}
}
@media(max-width:430px){
  .comparison-table td,.operations-table td{grid-template-columns:88px minmax(0,1fr);gap:9px;font-size:13px}
}


/* v30: production freeze — final SEO/UX pass with stable desktop canvas, balanced related links,
   calmer mobile headlines and tighter hero spacing. */
@media(min-width:1200px){
  :root{--max:1320px}
  .page-hero h1{max-width:900px}
  .page-hero .lead{max-width:800px}
}
@media(min-width:1001px){
  .related-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
  .related-card{min-width:0}
  .related-card h3{font-size:18px;line-height:1.08}
}
@media(max-width:700px){
  h1,.hero h1,.page-hero h1{font-size:clamp(34px,9vw,42px);line-height:1.02}
  h2,.section-head h2,.topic-content h2{font-size:clamp(28px,7.5vw,34px)!important;line-height:1.04}
  .page-hero{padding:34px 0 38px}
  .hero{padding:46px 0 48px}
  .page-hero .breadcrumbs{margin-bottom:20px}
  .page-hero .eyebrow{margin-bottom:11px}
}


/* =========================================================
   v31 FINAL — restrained sitewide visual system for mono-bank.net.ua
   Palette: black / warm white / yellow. Purple is background-only.
   ========================================================= */
:root{
  --final-black:#0b0b0d;
  --final-ink:#111114;
  --final-paper:#fbfaf6;
  --final-white:#ffffff;
  --final-yellow:#ffd51f;
  --final-purple:#6f35e8;
  --final-purple-soft:#f2ecff;
  --final-line:#dedbd3;
  --final-muted:#6f6c66;
  --final-radius:24px;
}
html{background:var(--final-paper)}
body{background:var(--final-paper);color:var(--final-ink)}
.site-header{background:rgba(15,16,18,.97)!important;border-bottom:1px solid #2a2b2e!important;color:#fff}
.site-header .brand,.site-header .brand-text,.site-header .main-nav a{color:#fff!important}
.site-header .brand-mark{background:var(--final-purple)!important;color:#fff!important}
.site-header .main-nav a:hover,.site-header .main-nav .current-menu-item>a{background:#24252a!important;color:#fff!important}
.site-header .header-cta,.site-header .btn-primary{background:var(--final-yellow)!important;color:#111!important;border-color:var(--final-yellow)!important}
.mobile-toggle{color:#fff!important;border-color:#3a3b40!important;background:#18191c!important}

.hero{background:var(--final-paper)!important;padding-top:42px;padding-bottom:54px}
.hero .hero-grid{background:var(--final-black)!important;color:#fff;border:1px solid #27282c;border-radius:28px;padding:clamp(28px,4vw,58px);position:relative;overflow:hidden;box-shadow:0 24px 55px rgba(0,0,0,.12)}
.hero .hero-grid:after{content:"";position:absolute;width:280px;height:280px;border-radius:50%;right:-120px;top:-150px;background:rgba(111,53,232,.34);pointer-events:none}
.hero h1,.hero h2,.hero h3{color:#fff!important}.hero p,.hero .lead{color:#d4d2ce!important}
.hero .eyebrow{color:#111!important;background:#fff!important;border-color:#fff!important}
.hero .btn-primary{background:var(--final-yellow)!important;color:#111!important;border-color:var(--final-yellow)!important}
.hero .btn-secondary{background:transparent!important;color:#fff!important;border-color:#4b4c51!important}
.hero .updated,.hero .micro-note{color:#aaa7a1!important}

.page-hero{background:var(--final-paper)!important;padding:42px 0 50px!important}
.page-hero>.container{background:var(--final-black);color:#fff;border:1px solid #292a2e;border-radius:28px;padding:clamp(28px,4vw,52px);position:relative;overflow:hidden;box-shadow:0 20px 48px rgba(0,0,0,.10)}
.page-hero>.container:after{content:"";position:absolute;width:250px;height:250px;border-radius:50%;right:-110px;top:-145px;background:rgba(111,53,232,.30);pointer-events:none}
.page-hero h1,.page-hero h2{color:#fff!important}.page-hero p,.page-hero .lead{color:#d3d1cc!important}.page-hero .eyebrow{color:#111!important;background:#fff!important;border-color:#fff!important}.page-hero .updated{color:#aaa7a1!important}
.breadcrumbs{color:#77736c!important}.page-hero .breadcrumbs{color:#aaa7a1!important}.page-hero .breadcrumbs a{color:#fff!important}

.section{background:var(--final-white)}
.section:nth-of-type(even){background:var(--final-paper)}
.section-soft,.soft{background:linear-gradient(110deg,var(--final-paper) 0 72%,var(--final-purple-soft) 100%)!important;position:relative;overflow:hidden}
.section-soft:after,.soft:after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;right:-150px;bottom:-160px;background:rgba(111,53,232,.09);pointer-events:none}
.section-soft>.container,.soft>.container{position:relative;z-index:1}
.eyebrow,.mini-label{color:#6a35df!important}

.btn-primary,.header-cta{background:var(--final-yellow)!important;color:#111!important;border-color:var(--final-yellow)!important;box-shadow:none!important}
.btn-primary:hover,.header-cta:hover{transform:translateY(-1px);filter:brightness(.97)}
.btn-secondary{background:#fff!important;color:#111!important;border-color:#cbc7bd!important}

.tile,.guide-card,.home-link,.card-type-item,.compare-card,.balance-card,.issue-card,.comparison-card,.related-card,.source-panel,.author-trust,.support-box,.page-summary,.fact,.step-compact,.requirement,.person-card,.topic-fact,.timeline-card,.trust-source,.evidence-row>div{background:#fff!important;color:#111!important;border:1px solid var(--final-line)!important;box-shadow:none!important}
.tile:hover,.guide-card:hover,.home-link:hover,.comparison-card:hover,.related-card:hover{border-color:#bcb7aa!important;box-shadow:0 16px 34px rgba(0,0,0,.06)!important}
.tile.black,.tile.dark,.comparison-card.black,.card-type-item.black{background:var(--final-black)!important;color:#fff!important;border-color:var(--final-black)!important}
.tile.black h3,.tile.dark h3,.comparison-card.black h3,.card-type-item.black h3{color:#fff!important}
.tile.black p,.tile.dark p,.comparison-card.black p,.card-type-item.black p{color:#c8c6c1!important}
.tile.yellow,.yellow{background:#fff!important;color:#111!important}
.tile .num,.step-no,.step-compact .num{background:var(--final-yellow)!important;color:#111!important}

.callout,.referral-cta{background:var(--final-black)!important;color:#fff!important;border:1px solid #292a2e!important;box-shadow:none!important}
.callout h2,.callout h3,.referral-cta h2,.referral-cta h3{color:#fff!important}.callout p,.referral-cta p{color:#c9c7c2!important}.callout .eyebrow,.referral-cta .eyebrow{background:transparent!important;color:var(--final-yellow)!important;padding-left:0!important}

.anchor-bar,.anchor{background:#151619!important;color:#fff!important}
.info-table-wrap,.operations-table-wrap{background:#fff;border-color:var(--final-line)!important}
.info-table th,.operations-table th{background:#111!important;color:#fff!important}
.warning-box,.notice{background:#fff8d8!important;border-color:#e1c849!important}
.tariff-stat{background:var(--final-black)!important}.tariff-stat strong{color:var(--final-yellow)!important}

.site-footer{background:#0d0e10!important;color:#aaa7a1!important;border-top:1px solid #292a2e}
.site-footer h3,.site-footer .footer-domain{color:#fff!important}.site-footer a{color:#c9c7c2!important}.site-footer a:hover{color:var(--final-yellow)!important}

@media(max-width:900px){
 .hero{padding-top:24px}.hero .hero-grid,.page-hero>.container{border-radius:22px;padding:28px 22px}
 .site-header .main-nav{background:#111216!important;border-color:#2c2d31!important}.site-header .main-nav a{color:#fff!important}
}
@media(max-width:600px){
 .hero .hero-grid,.page-hero>.container{border-radius:18px}
 .hero h1,.page-hero h1{font-size:clamp(34px,10vw,48px)!important}
}