/* fescobills.com.pk — static rebuild design system (navy #0A2540 / amber #FFB800) */
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:#1c2733;background:#f6f8fb;line-height:1.65;overflow-x:clip}
img,video,iframe,embed{max-width:100%;height:auto}
a{color:#0b5cad;text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1120px;margin:0 auto;padding:0 18px 56px}

/* header */
.site-header{background:#0A2540;position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(10,37,64,.25)}
.header-in{max-width:1120px;margin:0 auto;padding:10px 18px;display:flex;align-items:center;gap:22px}
.brand{display:flex;align-items:center;gap:11px;color:#fff;font-size:21px;letter-spacing:.2px}
.brand:hover{text-decoration:none}
.brand b{color:#FFB800}
.brand img{border-radius:10px}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.35);color:#fff;font-size:19px;border-radius:8px;padding:5px 12px;cursor:pointer}
.main-nav{margin-left:auto;display:flex;gap:4px;flex-wrap:wrap}
.main-nav a{color:#dbe6f2;padding:8px 12px;border-radius:8px;font-size:15px;font-weight:600}
.main-nav a:hover{background:rgba(255,255,255,.12);color:#fff;text-decoration:none}
.main-nav a.active{background:#FFB800;color:#0A2540}
@media(max-width:880px){
  .menu-btn{display:block}
  .main-nav{display:none;flex-direction:column;width:100%;margin:8px 0 4px}
  .main-nav.open{display:flex}
  .header-in{flex-wrap:wrap}
}

/* hero + tool */
.hero{background:linear-gradient(150deg,#0A2540 0%,#0d3054 55%,#11406e 100%);padding:34px 18px 44px}
.hero-in{max-width:820px;margin:0 auto}
.tool-card{width:100%}
.tool-h1{color:#fff;text-align:center;font-size:clamp(25px,5.2vw,36px);line-height:1.25;margin:2px 0 16px;font-weight:800}

/* app band */
.app-band{background:#fff;border-bottom:1px solid #e3eaf2}
.app-in{max-width:1120px;margin:0 auto;padding:26px 18px;display:flex;align-items:center;gap:26px;flex-wrap:wrap}
.app-text{flex:1 1 320px}
.app-text h2{margin:0 0 6px;color:#0A2540;font-size:23px}
.app-text p{margin:0 0 4px;color:#44586c}
.app-meta{font-size:13.5px;color:#75879a!important}
.app-btn{background:#FFB800;color:#0A2540;font-weight:800;font-size:16.5px;padding:14px 26px;border-radius:12px;box-shadow:0 4px 14px rgba(255,184,0,.4);white-space:nowrap}
.app-btn:hover{text-decoration:none;background:#ffc21f}

/* cards */
.home-cards{padding-top:34px}
.home-cards h2,.home-guides h2,.related h2{color:#0A2540;font-size:24px;margin:0 0 16px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(245px,1fr));gap:16px}
.card{background:#fff;border:1px solid #e1e9f1;border-radius:14px;overflow:hidden;display:flex;flex-direction:column;color:#1c2733;transition:transform .15s,box-shadow .15s}
.card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 10px 24px rgba(10,37,64,.13)}
.card img{width:100%;aspect-ratio:5/3;object-fit:cover;display:block}
.card-body{padding:13px 15px 15px;display:flex;flex-direction:column;gap:5px}
.card-title{font-weight:700;color:#0A2540;font-size:16.5px;line-height:1.35}
.card-desc{font-size:13.5px;color:#5a6f84;line-height:1.5}
.card-big{grid-column:span 2}
.card-big .card-title{font-size:19px}
@media(max-width:560px){.card-big{grid-column:span 1}}
.promo-cards{margin:26px 0 6px}
.cards-2{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.home-guides{padding-top:36px}
.more-guides{font-size:14px;color:#5a6f84;line-height:2;margin:16px 0 0}
.more-guides a{color:#0b5cad}
.related{padding-top:38px}

/* article */
.crumb{font-size:13.5px;color:#75879a;padding:18px 0 4px}
.crumb a{color:#75879a}
.page-content{background:#fff;border:1px solid #e1e9f1;border-radius:16px;padding:30px 34px;margin-top:12px;overflow-wrap:break-word}
@media(max-width:640px){.page-content{padding:22px 17px}}
.page-content h1{color:#0A2540;font-size:clamp(25px,4.6vw,34px);line-height:1.28;margin:0 0 14px}
.page-content h2{color:#0A2540;font-size:23px;line-height:1.35;margin:30px 0 10px}
.page-content h3{color:#0A2540;font-size:19px;margin:24px 0 8px}
.page-content p{margin:0 0 14px}
.page-content ul,.page-content ol{margin:0 0 14px;padding-left:22px}
.page-content li{margin-bottom:6px}
.page-content .feat{width:100%;border-radius:12px;margin:4px 0 18px}
.page-content img{border-radius:8px}
.page-content blockquote{border-left:4px solid #FFB800;margin:18px 0;padding:6px 16px;background:#fffaf0;color:#44586c}
.page-content .tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 20px;border:1px solid #dbe4ee;border-radius:12px;box-shadow:0 3px 12px rgba(10,37,64,.06)}
.page-content table{border-collapse:collapse;width:100%;font-size:14.5px;margin:0}
.page-content caption{caption-side:top;text-align:left;font-weight:700;color:#0A2540;padding:10px 12px 4px}
.page-content th{background:#0A2540;color:#fff;text-align:left;padding:11px 13px;border:1px solid #0A2540;font-size:14px;letter-spacing:.2px}
.page-content td{padding:10px 13px;border:1px solid #d9dee5;vertical-align:top}
.page-content tr:nth-child(even) td{background:#f4f7fb}
.page-content tbody tr:hover td{background:#eef4fa}

/* designed steps: every ordered list becomes numbered step cards */
.page-content ol{list-style:none;counter-reset:step;margin:0 0 20px;padding-left:0}
.page-content ol>li{counter-increment:step;position:relative;background:#f8fafc;border:1px solid #e1e9f1;border-radius:12px;padding:14px 16px 14px 60px;margin-bottom:10px}
.page-content ol>li::before{content:counter(step);position:absolute;left:14px;top:13px;width:33px;height:33px;border-radius:50%;background:#0A2540;color:#FFB800;font-weight:800;font-size:16px;display:flex;align-items:center;justify-content:center}
.page-content ol>li ol{margin-top:10px}
.page-content ol>li ol>li{padding:10px 12px 10px 48px;background:#fff}
.page-content ol>li ol>li::before{width:26px;height:26px;font-size:13.5px;top:9px;left:11px;background:#33506e;color:#fff}

/* step cards for "Step N:" paragraphs */
.page-content .step-card{position:relative;background:#f8fafc;border:1px solid #e1e9f1;border-radius:12px;padding:14px 16px 14px 60px}
.page-content .step-badge{position:absolute;left:14px;top:13px;width:33px;height:33px;border-radius:50%;background:#0A2540;color:#FFB800;font-weight:800;font-size:16px;display:flex;align-items:center;justify-content:center}

/* designed notes */
.page-content .note-box{background:#fffaf0;border:1.5px solid #ffd97a;border-left:6px solid #FFB800;border-radius:10px;padding:13px 16px;color:#4d3d08}
.page-content .note-box.caution{background:#fdf1f1;border-color:#f2b8b8;border-left-color:#d64545;color:#5c1a1a}
.page-content .wp-block-button__link,.page-content .kb-button{background:#FFB800!important;color:#0A2540!important;font-weight:700;border-radius:10px;padding:11px 22px;display:inline-block}
.page-content .ez-toc-container{background:#f6f8fb;border:1px solid #e1e9f1;border-radius:12px;padding:14px 18px;margin:0 0 20px}
.page-content .ez-toc-title{font-weight:700;color:#0A2540}
.page-content .ez-toc-list{margin:8px 0 0;padding-left:18px}
.page-content iframe{border-radius:10px}

/* vibrant internal links inside content */
.page-content a:not(.card):not(.wp-block-button__link):not(.kb-button){color:#0b5cad;font-weight:600;text-decoration:underline;text-decoration-color:#FFB800;text-decoration-thickness:2px;text-underline-offset:3px}
.page-content a:not(.card):not(.wp-block-button__link):not(.kb-button):hover{background:#fff3cf;color:#083f74;border-radius:3px}
.page-content .ez-toc-container a{font-weight:400;text-decoration:none}
.page-content .ez-toc-container a:hover{background:none;text-decoration:underline}

/* compact sidebar tool */
.tool-wrap{background:linear-gradient(150deg,#0A2540,#11406e);border:0;color:#fff}
.tool-wrap h4{color:#fff}
.st-toggle{display:flex;gap:6px;margin-bottom:10px}
.st-opt{flex:1;padding:8px 4px;border-radius:8px;border:1px solid rgba(255,255,255,.45);background:transparent;color:#dbe6f2;font-weight:600;cursor:pointer;font-size:13px}
.st-opt.active{background:#FFB800;color:#0A2540;border-color:#FFB800}
.st-input{width:100%;padding:11px 12px;border-radius:9px;border:0;font-size:15px;outline:none}
.st-help{font-size:12.5px;color:#a9c0d6;margin:8px 0 10px}
.st-btn{width:100%;background:#FFB800;color:#0A2540;font-weight:800;border:0;padding:12px;border-radius:10px;font-size:15.5px;cursor:pointer}
.st-btn:hover{background:#ffc21f}
.st-msg{font-size:13px;color:#ffb3b3;min-height:15px;margin:8px 0 0}

/* stylish related posts at the end of every post */
.related-posts{margin-top:34px;background:linear-gradient(180deg,#edf2f8,#f8fafc);border:1px solid #dbe4ee;border-radius:18px;padding:24px 24px 26px}
.related-posts .rp-label{margin:0;color:#b57e00;font-size:12.5px;font-weight:800;letter-spacing:1.6px;text-transform:uppercase}
.related-posts h2{color:#0A2540;font-size:24px;margin:4px 0 16px}
.rel-card{background:#fff;border:1px solid #e1e9f1;border-radius:14px;overflow:hidden;display:flex;flex-direction:column;color:#1c2733;box-shadow:0 3px 10px rgba(10,37,64,.06);transition:transform .15s,box-shadow .15s}
.rel-card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 12px 26px rgba(10,37,64,.15)}
.rel-card img{width:100%;aspect-ratio:5/3;object-fit:cover;display:block}
.rel-card-body{padding:13px 15px 15px;display:flex;flex-direction:column;gap:5px}
.rel-card-title{font-weight:700;color:#0A2540;font-size:16.5px;line-height:1.35}
.rel-card-desc{font-size:13.5px;color:#5a6f84;line-height:1.5}
.rel-card-more{font-size:13.5px;font-weight:800;color:#b57e00}

/* byline + author box */
.byline{display:flex;align-items:center;gap:13px;flex-wrap:wrap;border-top:1px solid #e7edf3;border-bottom:1px solid #e7edf3;padding:11px 0;margin:0 0 18px}
.byline-av{width:47px;height:47px;border-radius:50%;object-fit:cover;border:2px solid #FFB800}
.byline-info{display:flex;flex-direction:column;line-height:1.4}
.byline-name{font-weight:700;color:#0A2540;font-size:15.5px}
.byline-meta{font-size:13px;color:#75879a}
.fact-check{margin-left:auto;background:#e9f7ee;color:#177245;font-size:13px;font-weight:600;padding:6px 12px;border-radius:999px;white-space:nowrap}
@media(max-width:560px){.fact-check{margin-left:0}}
.author-box{display:flex;gap:16px;background:#f6f8fb;border:1px solid #e1e9f1;border-radius:14px;padding:18px;margin-top:28px;flex-wrap:wrap}
.author-box img{width:64px;height:64px;border-radius:14px;object-fit:cover}
.author-name{font-weight:700;color:#0A2540;margin:0 0 4px!important}
.author-bio{font-size:14px;color:#44586c;margin:0!important}

/* single post layout + sidebar */
.post-layout{display:grid;grid-template-columns:minmax(0,1fr) 308px;gap:22px;align-items:start;margin-top:12px}
.post-layout .page-content{margin-top:0}
@media(max-width:1020px){.post-layout{grid-template-columns:minmax(0,1fr)}}
.sidebar{position:sticky;top:86px;display:flex;flex-direction:column;gap:16px}
@media(max-width:1020px){.sidebar{position:static}}
.side-box{background:#fff;border:1px solid #e1e9f1;border-radius:14px;padding:16px 17px}
.side-box h4{margin:0 0 11px;color:#0A2540;font-size:16px;border-bottom:2px solid #FFB800;padding-bottom:8px}
.search-box input{width:100%;padding:10px 12px;border:1.5px solid #c9d6e3;border-radius:9px;font-size:14.5px;outline:none}
.search-box input:focus{border-color:#0A2540}
.search-results{display:none;margin-top:9px;border-top:1px solid #eef2f6}
.sr-item{display:block;padding:8px 6px;font-size:14px;font-weight:600;color:#0A2540;border-bottom:1px solid #eef2f6}
.sr-item:hover{background:#f6f8fb;text-decoration:none}
.sr-none{font-size:13.5px;color:#75879a;margin:8px 0 2px}
.toc-box ul{list-style:none;margin:0;padding:0}
.toc-box li a{display:block;padding:5.5px 8px;border-radius:7px;font-size:14px;color:#33506e;line-height:1.45}
.toc-box li a:hover{background:#f0f4f9;text-decoration:none;color:#0A2540}
.rel-item{display:flex;gap:11px;align-items:center;padding:7px 0;border-bottom:1px solid #eef2f6}
.rel-item:last-child{border-bottom:0;padding-bottom:2px}
.rel-item img{width:62px;height:62px;object-fit:cover;border-radius:9px;flex:none}
.rel-item a{font-weight:600;font-size:14px;line-height:1.42;color:#0A2540}

/* back to top */
.to-top{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;border:0;background:#0A2540;color:#FFB800;font-size:21px;font-weight:800;cursor:pointer;box-shadow:0 6px 18px rgba(10,37,64,.35);opacity:0;pointer-events:none;transition:opacity .2s;z-index:60}
.to-top.show{opacity:1;pointer-events:auto}

/* footer */
.site-footer{background:#0A2540;color:#c7d5e4;margin-top:0}
.footer-grid{max-width:1120px;margin:0 auto;padding:38px 18px 10px;display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr;gap:26px}
@media(max-width:880px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.fcol h4{color:#fff;margin:0 0 12px;font-size:16px}
.fcol a{display:block;color:#c7d5e4;font-size:14.5px;padding:3.5px 0}
.fcol .flink{display:block;color:#c7d5e4;font-size:14.5px;padding:3.5px 0}
.fcol a:hover{color:#FFB800}
.fbrand p{font-size:14.5px;line-height:1.6;margin:10px 0 0;max-width:300px}
.footer-bar{border-top:1px solid rgba(255,255,255,.14);max-width:1120px;margin:14px auto 0;padding:15px 18px 20px;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;font-size:13px;color:#8fa5ba}

/* ===== 2026-10-22 upgrade (Umair's change list) ===== */
/* post meta: proper card styling */
.byline{background:#f6f9fc;border:1px solid #e1e9f1;border-radius:14px;padding:13px 16px}
.byline-meta{display:flex;flex-wrap:wrap;gap:6px;margin-top:4px}
.meta-chip{background:#fff;border:1px solid #d9e4ee;color:#33506e;border-radius:999px;padding:2.5px 10px;font-size:12.5px;font-weight:600}
.fact-check{background:#e8f7ee;color:#157347;border:1px solid #bfe6cd;border-radius:999px;padding:5px 12px;font-size:13px;margin-left:auto}
/* audio player under the meta */
.audio-bar{display:flex;align-items:center;gap:14px;background:linear-gradient(135deg,#0A2540,#14467c);border-radius:14px;padding:14px 18px;margin:0 0 18px;box-shadow:0 4px 14px rgba(10,37,64,.18)}
.audio-ic{font-size:24px;background:#FFB800;width:46px;height:46px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.audio-main{flex:1;min-width:0}
.audio-label{display:block;color:#fff;font-weight:700;font-size:15px;margin-bottom:6px}
.audio-bar audio{width:100%;height:38px;display:block}
/* in-article table of contents */
.toc-card{background:#f6f9fc;border:1px solid #e1e9f1;border-left:5px solid #FFB800;border-radius:12px;padding:16px 20px 10px;margin:0 0 22px}
.toc-title{font-weight:800;color:#0A2540;font-size:17px;margin:0 0 8px}
.toc-list{margin:0;padding-left:20px}
.toc-list li{margin:5.5px 0}
.toc-list a{color:#33506e;text-decoration:none;font-weight:600}
.toc-list a:hover{color:#0A2540;text-decoration:underline}
.page-content .ez-toc-container{background:#f6f9fc;border:1px solid #e1e9f1;border-left:5px solid #FFB800;border-radius:12px;padding:16px 20px;margin:0 0 20px}
/* stylish headings */
.page-content h2{border-left:5px solid #FFB800;padding:7px 0 7px 12px;background:linear-gradient(90deg,#FFF7E8,rgba(255,247,232,0) 70%);border-radius:0 8px 8px 0}
.page-content h3::before{content:"";display:inline-block;width:9px;height:9px;border-radius:2px;background:#FFB800;margin-right:9px;vertical-align:2px}
/* stylish tables */
.tbl-scroll{border:1px solid #e1e9f1;border-radius:12px;overflow-x:auto;margin:18px 0;box-shadow:0 2px 8px rgba(10,37,64,.05);background:#fff}
.page-content figure .tbl-scroll{margin:0}
.page-content th{background:#0A2540;color:#fff;text-align:left;padding:11px 14px;font-weight:700}
.page-content td{padding:10px 14px;border-top:1px solid #e7edf3}
.page-content tbody tr:nth-child(even){background:#f6f9fc}
/* charges tables + homepage charges panel */
.charges-scroll{border-color:#f0d48a;box-shadow:0 3px 10px rgba(185,126,11,.12)}
.charges-scroll th{background:linear-gradient(135deg,#d9930d,#b97e0b)}
.charges-panel{background:linear-gradient(180deg,#FFF9EC,#FFF3D6);border:1px solid #f0d48a;border-radius:16px;padding:10px 22px 16px;margin:26px 0}
.charges-panel h3{border-top:1px dashed #e3c87e;padding-top:13px}
.charges-panel h3:first-of-type{border-top:none}
/* homepage district cards */
.district-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(235px,1fr));gap:14px;margin:16px 0 10px}
.district-card{background:#fff;border:1px solid #e1e9f1;border-top:4px solid #FFB800;border-radius:12px;padding:4px 16px 12px;box-shadow:0 2px 8px rgba(10,37,64,.05)}
.district-card h3{margin-top:10px}
.district-card h3::before{display:none}
.district-card p{font-size:14.5px;line-height:1.65;color:#33506e}
/* FAQ accordion */
.faq-acc{margin:8px 0 12px}
.faq-item{border:1px solid #e1e9f1;border-radius:12px;margin:0 0 10px;background:#fff;overflow:hidden}
.faq-item.open{border-color:#FFB800;box-shadow:0 3px 10px rgba(185,126,11,.10)}
.page-content h3.faq-q{margin:0}
.page-content h3.faq-q::before{display:none}
.faq-btn{all:unset;box-sizing:border-box;display:flex;justify-content:space-between;align-items:center;gap:12px;width:100%;cursor:pointer;padding:14px 18px;font-weight:700;color:#0A2540;font-size:16.5px;line-height:1.45}
.faq-btn::after{content:"+";font-size:23px;font-weight:800;color:#B97E0B;flex:0 0 auto;line-height:1}
.faq-item.open .faq-btn::after{content:"\2212"}
.faq-a{display:none;padding:4px 18px 8px;border-top:1px solid #eef2f6}
.faq-item.open .faq-a{display:block}
/* images: WordPress sizes, centered */
.page-content img{display:block;margin:16px auto;max-width:100%;height:auto;width:auto}
.page-content figure{margin:18px auto}
.page-content .feat{width:100%;margin:4px auto 18px}
.page-content .card img{width:100%;margin:0}
.page-content .byline-av{width:47px;height:47px;margin:0;border-radius:50%}
.page-content .author-box img{width:64px;height:64px;margin:0}
.page-content .audio-bar audio{margin:0}
@media(max-width:640px){.district-grid{grid-template-columns:1fr}.fact-check{margin-left:0}.audio-bar{padding:12px 14px}}

/* ===== 2026-10-22 round 2: hero white, logo only, single promo card, app card ===== */
.brand img{height:42px;width:auto;display:block}
.hero{color:#fff}
.hero p{color:#dcebfb}
.hero strong{color:#fff}
.hero a{color:#FFD34D}
.cards-1{grid-template-columns:minmax(270px,560px);justify-content:center}
.app-band{background:#f2f7fc;padding:30px 18px}
.app-in{background:#fff;border:1px solid #e1e9f1;border-radius:18px;box-shadow:0 6px 20px rgba(10,37,64,.08);padding:22px}
.app-img{width:320px;max-width:100%;aspect-ratio:5/3;object-fit:cover;border-radius:14px;flex:0 0 auto}
@media(max-width:640px){.app-img{width:100%}.brand img{height:36px}}

/* ===== 2026-10-22 round 3: Umair corrections ===== */
/* hero: more premium, tool only */
.hero{background:radial-gradient(640px 300px at 88% -60px,rgba(255,184,0,.28),rgba(255,184,0,0) 60%),radial-gradient(760px 360px at 6% 130%,rgba(64,156,255,.22),rgba(64,156,255,0) 60%),linear-gradient(150deg,#081C33 0%,#0D3054 55%,#13507F 100%);padding:46px 18px 58px}
.hero-in{max-width:800px}
.tool-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.15);border-radius:22px;padding:28px 26px;box-shadow:0 26px 60px rgba(2,12,24,.45)}
.hero .fbc-grid{grid-template-columns:1fr!important}
@media(max-width:640px){.tool-card{padding:20px 14px}.hero{padding:34px 12px 44px}}
/* post meta card set + round author image */
.byline{background:#fff;border:1px solid #e1e9f1;border-radius:16px;padding:14px 18px;box-shadow:0 3px 12px rgba(10,37,64,.06);gap:14px}
.byline-av{width:54px;height:54px;border-radius:50%;border:3px solid #FFB800;object-fit:cover}
.byline-name{font-size:16px}
.fact-check{background:#E7F6EC;color:#157347;border:1px solid #BFE6CD}
.author-box img{border-radius:50%;border:3px solid #FFB800}
/* listen player: sleek pill */
.audio-bar{border-radius:999px;padding:7px 10px;gap:11px;box-shadow:0 3px 10px rgba(10,37,64,.16)}
.audio-ic{width:36px;height:36px;font-size:18px}
.audio-main{display:flex;align-items:center;gap:12px}
.audio-label{margin:0;font-size:14px;white-space:nowrap}
.audio-bar audio{height:32px}
@media(max-width:560px){.audio-bar{border-radius:20px}.audio-main{flex-wrap:wrap;row-gap:4px}}
/* table of contents: collapsed by default */
.toc-card{padding:0;overflow:hidden}
.toc-toggle{all:unset;box-sizing:border-box;display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;cursor:pointer;padding:14px 20px;font-weight:800;color:#0A2540;font-size:17px;font-family:inherit}
.toc-chev{color:#B97E0B;font-size:15px;transition:transform .2s}
.toc-card.open .toc-chev{transform:rotate(180deg)}
.toc-card .toc-list{margin:0;padding:2px 20px 16px 40px}
.toc-list[hidden]{display:none}
/* FAQ accordion: visible colors */
.faq-item{border:2px solid #0A2540}
.faq-btn{background:linear-gradient(90deg,#0A2540,#164A7E);color:#fff}
.faq-btn::after{color:#FFB800;background:rgba(255,184,0,.18);width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px}
.faq-item.open{border-color:#FFB800;box-shadow:0 4px 14px rgba(185,126,11,.18)}
.faq-item.open .faq-btn{background:linear-gradient(90deg,#E8A90C,#FFB800);color:#0A2540}
.faq-item.open .faq-btn::after{background:rgba(10,37,64,.12);color:#0A2540}
.faq-a{background:#FFF9EC;border-top:2px solid #FFB800}
/* blogs & guides carousel: 3 in a row */
.carousel{position:relative}
.car-track{display:flex;gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 2px 14px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.car-track::-webkit-scrollbar{display:none}
.car-track .card{flex:0 0 calc((100% - 32px)/3);scroll-snap-align:start}
@media(max-width:900px){.car-track .card{flex-basis:calc((100% - 16px)/2)}}
@media(max-width:560px){.car-track .card{flex-basis:86%}}
.car-btn{position:absolute;top:36%;z-index:3;width:42px;height:42px;border-radius:50%;border:1px solid #D7E2EC;background:#0A2540;color:#FFB800;font-size:25px;line-height:1;cursor:pointer;box-shadow:0 4px 14px rgba(10,37,64,.28);display:flex;align-items:center;justify-content:center;padding:0 0 3px;font-family:inherit}
.car-prev{left:-10px}
.car-next{right:-10px}
@media(max-width:560px){.car-btn{width:36px;height:36px;font-size:21px}.car-prev{left:-4px}.car-next{right:-4px}}
/* blog archive: 4 per row + pagination */
.blog-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:10px 0 6px}
@media(max-width:1000px){.blog-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.blog-grid{grid-template-columns:1fr}}
.blog-card .card-title{border:none;background:none;padding:0;margin:0;font-size:16.5px}
.blog-pagination{display:flex;gap:8px;justify-content:center;align-items:center;margin:28px 0 8px;flex-wrap:wrap}
.blog-pagination .pg{min-width:42px;height:42px;padding:0 15px;display:inline-flex;align-items:center;justify-content:center;border-radius:10px;border:1px solid #C9D6E2;background:#fff;color:#0A2540;font-weight:700;font-size:15px}
.blog-pagination .pg.current{background:#0A2540;color:#FFB800;border-color:#0A2540}
.blog-pagination a.pg:hover{background:#FFB800;color:#0A2540;text-decoration:none;border-color:#FFB800}

/* ===== 2026-10-22 round 4: Kadence inline SVG icons (helpline phone icon fix) ===== */
.kb-svg-icon-wrap{display:inline-flex;align-items:center;justify-content:center;vertical-align:-0.1em;margin-right:.35em}
.kb-svg-icon-wrap svg{width:1em;height:1em;display:block}
.page-content [class*="svg-icon"] svg{max-width:1em;max-height:1em}

/* ===== 2026-10-22 round 4b: post meta — NEW premium mobile-first design ===== */
.byline{position:relative;display:flex;flex-wrap:wrap;align-items:center;gap:12px 14px;background:linear-gradient(180deg,#ffffff,#F8FAFC);border:1px solid #E2E8F0;border-radius:18px;padding:16px;margin:0 0 18px;box-shadow:0 1px 2px rgba(10,37,64,.05),0 12px 28px -14px rgba(10,37,64,.22);overflow:hidden}
.byline::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,#FFB800,#FF8A00 55%,#FFB800)}
.byline-av{width:56px;height:56px;border-radius:50%;object-fit:cover;border:3px solid #FFB800;box-shadow:0 0 0 3px #fff,0 4px 10px rgba(10,37,64,.18);flex:0 0 auto}
.byline-info{flex:1 1 190px;min-width:0;display:flex;flex-direction:column;gap:7px;line-height:1.35}
.byline-name{font-size:16.5px;font-weight:800;color:#0A2540;letter-spacing:.1px;line-height:1.2}
.byline-meta{display:flex;flex-wrap:wrap;gap:6px;margin:0}
.meta-chip{display:inline-flex;align-items:center;gap:6px;background:#EEF3F8;border:1px solid #DCE6EF;border-radius:999px;padding:5px 11px;font-size:12.5px;font-weight:600;color:#33506E;line-height:1.1}
.meta-chip svg{width:13px;height:13px;color:#D97706;flex:0 0 auto}
.meta-chip .chip-k{color:#7A8CA3;font-weight:600}
.meta-chip b{color:#0A2540;font-weight:700}
.fact-check{display:inline-flex;align-items:center;background:linear-gradient(90deg,#E9F8EF,#DFF3E6);border:1px solid #B7E2C4;color:#146C43;border-radius:999px;padding:7px 13px;font-size:13px;font-weight:600;margin-left:auto;white-space:nowrap;line-height:1.1}
.fc-tick{display:inline-flex;align-items:center;justify-content:center;width:17px;height:17px;border-radius:50%;background:#1F9D55;color:#fff;font-size:11px;margin-right:7px;flex:0 0 auto}
@media(max-width:600px){.byline{padding:15px 14px}.fact-check{margin-left:0;flex-basis:100%;justify-content:center}}
@media(min-width:861px){.byline{padding:18px 22px}.byline-av{width:62px;height:62px}}

/* ===== 2026-10-23 v6: GOVERNMENTAL PORTAL REDESIGN ===== */
/* top utility bar */
.topbar{background:#071A30;color:#B9CBDD;font-size:13px}
.topbar-in{max-width:1120px;margin:0 auto;padding:6px 18px;display:flex;align-items:center;gap:16px;justify-content:space-between}
.topbar a{color:#D7E5F2;font-weight:600}
.topbar a:hover{color:#FFB800;text-decoration:none}
.topbar-right{display:flex;gap:18px;flex:0 0 auto}
.topbar-right b{color:#FFB800}
@media(max-width:820px){.topbar-left{display:none}.topbar-in{justify-content:center}}
/* white main header */
.site-header{background:#fff;position:static;box-shadow:none;border-bottom:1px solid #E3EAF2}
.header-in{padding:13px 18px;flex-wrap:nowrap}
.brand img{height:48px;width:auto;border-radius:0}
.header-cta{margin-left:auto;display:flex;gap:10px;align-items:center;flex:0 0 auto}
.cta-main{background:#FFB800;color:#0A2540;font-weight:800;padding:11px 20px;border-radius:10px;font-size:15px;box-shadow:0 3px 10px rgba(255,184,0,.35)}
.cta-main:hover{background:#FFC21F;text-decoration:none}
.cta-app{border:2px solid #0A2540;color:#0A2540;font-weight:700;padding:9px 16px;border-radius:10px;font-size:15px}
.cta-app:hover{background:#0A2540;color:#fff;text-decoration:none}
@media(max-width:640px){.cta-app{display:none}.brand img{height:38px}.cta-main{padding:9px 13px;font-size:13.5px}}
/* sticky navy navigation */
.nav-wrap{background:#0A2540;position:sticky;top:0;z-index:60;box-shadow:0 2px 12px rgba(10,37,64,.3);border-top:3px solid #FFB800}
.nav-in{max-width:1120px;margin:0 auto;padding:0 18px;display:flex;align-items:center;flex-wrap:wrap}
.main-nav{margin:0;display:flex;gap:2px;flex-wrap:nowrap}
.main-nav a{color:#DCE9F5;padding:13px 13px;border-radius:0;font-size:14.5px;font-weight:600;letter-spacing:.2px;border-bottom:3px solid transparent;white-space:nowrap}
.main-nav a:hover{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}
.main-nav a.active{background:transparent;color:#FFB800;border-bottom-color:#FFB800}
.menu-btn{margin:8px 0;border:1px solid rgba(255,255,255,.4);color:#fff}
@media(max-width:880px){
  .menu-btn{display:block}
  .main-nav{display:none;flex-direction:column;width:100%;margin:0 0 8px;flex-wrap:wrap}
  .main-nav.open{display:flex}
  .main-nav a{border-bottom:1px solid rgba(255,255,255,.08);padding:12px 10px}
  .main-nav a.active{border-bottom-color:#FFB800}
}
/* breadcrumb: portal strip */
.crumb{background:#fff;border:1px solid #E3EAF2;border-radius:10px;padding:9px 14px;font-size:13.5px;color:#5A6F84;margin:16px 0 6px}
.crumb a{color:#0B5CAD;font-weight:600}
/* hero accent */
.hero{border-bottom:4px solid #FFB800}
/* section headers */
.sec-eyebrow{text-transform:uppercase;letter-spacing:2.2px;font-size:12px;font-weight:800;color:#B97E0B;margin:0 0 6px}
.sec-title{color:#0A2540;font-size:26px;margin:0 0 8px;line-height:1.25}
.sec-sub{color:#5A6F84;margin:0 0 20px;max-width:740px}
/* services directory */
.svc-section{padding-top:32px}
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.svc-tile{background:#fff;border:1px solid #E1E9F1;border-radius:14px;padding:18px 16px;display:flex;flex-direction:column;gap:4px;color:#1C2733;transition:transform .15s,box-shadow .15s,border-color .15s}
.svc-tile:hover{transform:translateY(-3px);box-shadow:0 12px 24px rgba(10,37,64,.12);border-color:#FFB800;text-decoration:none}
.svc-ic{width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,#0A2540,#164A7E);color:#FFB800;display:flex;align-items:center;justify-content:center;margin-bottom:8px}
.svc-ic svg{width:23px;height:23px}
.svc-name{font-weight:800;color:#0A2540;font-size:16px}
.svc-desc{font-size:13.5px;color:#5A6F84;line-height:1.45}
@media(max-width:1000px){.svc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:680px){.svc-grid{grid-template-columns:repeat(2,1fr)}.svc-tile{padding:14px 12px}}
/* trust band */
.why-band{padding:36px 0 8px}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.why-card{background:#fff;border:1px solid #E1E9F1;border-top:4px solid #0B7A43;border-radius:12px;padding:18px 16px}
.why-card h3{margin:0 0 6px;color:#0A2540;font-size:16.5px}
.why-card p{margin:0;color:#44586C;font-size:14px;line-height:1.55}
.why-note{margin:16px 0 0;color:#5A6F84;font-size:14px}
@media(max-width:1000px){.why-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.why-grid{grid-template-columns:1fr}}
/* official sources card on posts */
.sources-card{background:#F2F7FC;border:1px solid #D9E6F2;border-left:5px solid #0A2540;border-radius:12px;padding:18px 22px;margin:26px 0 0}
.page-content .sources-card .sources-title{border:none;background:none;padding:0;margin:0 0 6px;font-size:19px}
.sources-card p{margin:0 0 8px;color:#44586C}
.sources-card ul{margin:0;padding-left:20px}
.sources-card li{margin:5px 0}
.author-links{margin:10px 0 0;font-size:14px}
/* footer v6 */
.site-footer{background:#071A30;border-top:4px solid #FFB800}
.footer-trust{background:#0A2540;border-bottom:1px solid rgba(255,255,255,.08)}
.ft-in{max-width:1120px;margin:0 auto;padding:12px 18px;display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
.ft-chip{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);color:#DCE9F5;border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600}
.footer-grid{grid-template-columns:1.5fr 1fr 1.2fr 1fr 1.1fr}
@media(max-width:1000px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.fcontact{color:#9FB4C8;font-size:14px;line-height:1.6}
.fcontact a{display:inline;color:#FFD34D;padding:0}