/*
Theme Name: The Finance Intellect
Theme URI: https://thefinanceintellect.com
Author: The Finance Intellect
Author URI: https://thefinanceintellect.com
Description: A Finance Knowledge & Resource Platform. Insights, templates, calculators and a learning hub for finance leaders, with country filters.
Version: 3.9.1
Requires at least: 6.0
Requires PHP: 7.4
License: Proprietary
Text Domain: finance-intellect
*/
@font-face{font-family:'Outfit';font-style:normal;font-weight:400;font-display:swap;src:url(assets/fonts/outfit-latin-400-normal.woff2) format('woff2')}
@font-face{font-family:'Outfit';font-style:normal;font-weight:500;font-display:swap;src:url(assets/fonts/outfit-latin-500-normal.woff2) format('woff2')}
@font-face{font-family:'Outfit';font-style:normal;font-weight:600;font-display:swap;src:url(assets/fonts/outfit-latin-600-normal.woff2) format('woff2')}
@font-face{font-family:'Outfit';font-style:normal;font-weight:700;font-display:swap;src:url(assets/fonts/outfit-latin-700-normal.woff2) format('woff2')}
:root{
  --ink:#0B2260; --ink-2:#16348A; --blue:#1470FF; --cyan:#00C9C8; --mag:#D1128D; --purple:#7B3FE4;
  --paper:#F5F8FF; --white:#fff; --mist:#E3ECFF; --line:#D3DEF5; --text:#1A2748; --muted:#58668A;
  --grad:linear-gradient(90deg,#00D9C5 0,#1470FF 45%,#B332E0 75%,#FF1FAF 100%);
  --head:'Outfit',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif; --read:'Newsreader',Georgia,'Times New Roman',serif;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--head);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--mag);outline-offset:2px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--head);color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600;letter-spacing:-.015em}
h1{font-size:clamp(2.2rem,4.8vw,3.7rem)} h2{font-size:clamp(1.6rem,3vw,2.3rem)} h3{font-size:1.25rem}
p{margin:0 0 1em}
.lead{font-size:1.2rem;color:var(--muted);max-width:56ch}
.btn{display:inline-block;background:var(--ink);color:#fff;text-decoration:none;border:0;border-radius:8px;padding:.8em 1.3em;font:600 .95rem var(--head);cursor:pointer}
.btn:hover{background:var(--ink-2)}
.btn.brass{background:var(--mag)}.btn.brass:hover{background:#A80E70}
.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.sm{padding:.55em .95em;font-size:.88rem}
.btn[aria-disabled=true]{opacity:.55;pointer-events:none}
/* header */
.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}
.site-header:after{content:"";display:block;height:4px;background:var(--grad)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:10px;padding-bottom:10px}
.brandbox{display:flex;flex-direction:column;gap:2px;text-decoration:none}
.brandbox img{height:52px;width:auto;display:block}
.tagline{font-size:.76rem;color:var(--muted);line-height:1.3;max-width:34ch}
.nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.nav a{color:var(--ink);text-decoration:none;padding:.5em .85em;border-radius:8px;font-weight:500;font-size:.95rem;display:block}
.nav a:hover{background:var(--mist)}
.nav .current-menu-item>a,.nav a.active{background:var(--ink);color:#fff}
.nav-toggle{display:none;background:#fff;border:1.5px solid var(--ink);color:var(--ink);border-radius:8px;padding:.4em .8em;font:600 .9rem var(--head)}
@media(max-width:900px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;padding:10px 24px 18px;border-bottom:1px solid var(--line)}.nav.open{display:block}.nav ul{flex-direction:column}}
/* hero */
.hero{background:linear-gradient(180deg,#EEF3FF 0,#F5F8FF 100%);padding:64px 0 76px;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;right:-90px;top:-60px;width:520px;height:520px;background:url(assets/img/emblem.png) no-repeat center/contain;opacity:.09;pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center;position:relative}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:34px}}
.hero h1{max-width:15ch}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero .topics{margin-top:30px;display:flex;gap:8px;flex-wrap:wrap}
/* calculator */
.calc{background:#fff;border-radius:12px;border:1px solid var(--line);padding:24px;color:var(--text);box-shadow:0 1px 0 rgba(11,34,96,.04)}
.calc h3{margin-bottom:.2em}.calc .sub{color:var(--muted);font-size:.92rem;margin-bottom:16px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.86rem;margin-bottom:5px;color:var(--ink)}
.field input[type=number],.field input[type=date],.field select,.field input[type=email],.field input[type=text],.field textarea{width:100%;padding:.65em .8em;border:1.5px solid var(--line);border-radius:8px;font:inherit;background:#fff;color:var(--text)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field.check{display:flex;gap:10px;align-items:flex-start}.field.check label{margin:0;font-weight:500}.field.check input{margin-top:.35em}
.result{background:var(--mist);border-radius:10px;padding:14px 16px;margin-top:6px}
.result dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:6px 14px}
.result dt{color:var(--muted);font-size:.92rem}.result dd{margin:0;font-weight:600;text-align:right;font-variant-numeric:tabular-nums}
.result .big dt{color:var(--ink);font-weight:600}.result .big dd{font-size:1.5rem;color:var(--ink)}
.result .flag{grid-column:1/-1;font-size:.88rem;color:var(--ink-2);background:#fff;border-left:4px solid var(--mag);padding:6px 10px;border-radius:4px}
.note{font-size:.82rem;color:var(--muted);margin-top:12px}
.sched{width:100%;border-collapse:collapse;margin-top:12px;font-size:.88rem;font-variant-numeric:tabular-nums}
.sched th,.sched td{padding:5px 8px;text-align:right;border-bottom:1px solid var(--line)}.sched th:first-child,.sched td:first-child{text-align:left}
.sched th{color:var(--ink);font-weight:600;background:#fff}
.calc.wide{grid-column:1/-1}
/* sections */
.section{padding:68px 0}.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:28px;flex-wrap:wrap}
.sec-head p{color:var(--muted);margin:0;max-width:52ch}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.g3,.g2,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;display:flex;flex-direction:column}
.section.alt .card{background:var(--paper)}
.card h3 a{color:var(--ink);text-decoration:none}.card h3 a:hover{color:var(--blue)}
.card .meta{font-size:.82rem;color:var(--muted);margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem}.card .foot{margin-top:auto;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.tag{display:inline-block;font-size:.74rem;font-weight:600;padding:.2em .65em;border-radius:99px;background:var(--mist);color:var(--ink-2);text-decoration:none;border:0}
a.tag:hover{background:var(--ink);color:#fff}
.tag.free{background:#D5F5EE;color:#0A6A5B}.tag.standard{background:#DDE8FF;color:#1B3FA0}.tag.premium{background:#FBDDF0;color:#8A0C5E}.tag.pdf{background:#fff;border:1px solid var(--line)}
.service{border-left:4px solid var(--blue);padding:4px 0 4px 18px}
.service:nth-child(2){border-color:var(--cyan)}.service:nth-child(3){border-color:var(--purple)}.service:nth-child(4){border-color:var(--mag)}
.service h3{font-size:1.12rem;margin-bottom:.3em}.service p{color:var(--muted);margin:0;font-size:.95rem}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.filters button,.filters a{border:1.5px solid var(--line);background:#fff;border-radius:99px;padding:.4em .95em;font:600 .86rem var(--head);color:var(--ink);cursor:pointer;text-decoration:none}
.filters button[aria-pressed=true],.filters a.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.page-title{background:var(--ink);color:#fff;padding:50px 0;position:relative}
.page-title:after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:var(--grad)}
.page-title h1{color:#fff;font-size:clamp(2rem,4vw,2.9rem);margin:0 0 .3em}.page-title p{color:#C5D3F5;margin:0;max-width:62ch}
/* article */
.article{max-width:720px;margin:0 auto;padding:52px 24px}
.article h1{font-size:clamp(1.9rem,4vw,2.6rem)}
.article .content{font-family:var(--read);font-size:1.2rem;line-height:1.7}
.article .content h2{font-family:var(--head);font-size:1.45rem;margin-top:1.5em}
.article .content li{margin-bottom:.4em}
.article .tags{display:flex;gap:6px;flex-wrap:wrap;margin:10px 0 0}
.sources{border-top:1px solid var(--line);margin-top:2em;padding-top:1em;font-family:var(--head);font-size:.92rem}
.sources h4{margin-bottom:.4em}.sources ul{padding-left:1.1em;margin:0}
.disc{font-family:var(--head);font-size:.85rem;color:var(--muted);background:var(--mist);padding:10px 14px;border-radius:8px;margin-top:1.4em}
.pdfbox{background:var(--ink);color:#fff;border-radius:12px;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin:26px 0;font-family:var(--head)}
.pdfbox strong{display:block;font-size:1.05rem}.pdfbox span{color:#C5D3F5;font-size:.9rem}
/* learn */
.track{border-left:4px solid var(--blue);padding-left:20px;margin-bottom:34px}
.track.t2{border-color:var(--purple)}.track.t3{border-color:var(--mag)}
.track h3{margin-bottom:.2em}.track>p{color:var(--muted);max-width:62ch}
/* newsletter */
.news{background:var(--ink-2);color:#fff;padding:58px 0}.news h2{color:#fff}.news p{color:#C5D3F5}
.news-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}@media(max-width:800px){.news-grid{grid-template-columns:1fr}}
.news form{display:flex;gap:10px;flex-wrap:wrap}.news input{flex:1;min-width:220px;padding:.8em;border-radius:8px;border:0;font:inherit}
.news .ok{color:#9BF0DA;font-weight:600;margin-top:10px}
/* footer */
.site-footer{background:var(--ink);color:#AFC0EA;padding:44px 0 30px;font-size:.92rem}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}@media(max-width:700px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer a{color:#DCE6FF}.site-footer h4{color:#fff;margin:0 0 10px;font-size:1.05rem}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:6px}
.site-footer .flogo{height:46px;width:auto;margin-bottom:10px}
.disclaimer{border-top:1px solid #28438f;margin-top:28px;padding-top:18px;font-size:.82rem}
.pagination{display:flex;gap:8px;margin-top:30px}.pagination a,.pagination span{padding:.4em .9em;border:1.5px solid var(--line);border-radius:8px;text-decoration:none;background:#fff}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* ===== v3 overrides ===== */
:root{--hh:76px}
.site-header .wrap{padding-top:10px;padding-bottom:10px;min-height:72px}
.brandbox{display:flex;align-items:center;flex-direction:row}
.brandbox img{height:50px;width:auto;display:block}
.tagline{display:none}
.nav a:focus-visible{outline-offset:-3px}
/* hero fits the screen */
.hero{min-height:calc(100svh - var(--hh));display:flex;align-items:center;padding:32px 0}
.hero .wrap{width:100%}
.hero h1{max-width:16ch;font-size:clamp(2.2rem,4.4vw,3.5rem)}
@media(max-width:900px){.hero{min-height:calc(100svh - var(--hh));padding:36px 0}}
/* ad slots */
.ad{display:flex;align-items:center;justify-content:center;flex-direction:column;border:1.5px dashed var(--line);background:#fff;color:var(--muted);font-size:.78rem;text-align:center;border-radius:8px}
.ad small{display:block;font-size:.7rem;letter-spacing:.02em;margin-bottom:2px}
.rail{display:none;position:fixed;top:calc(var(--hh) + 16px);width:160px;height:600px;z-index:10}
.rail.l{left:calc(50% - 766px)}.rail.r{right:calc(50% - 766px)}
@media(min-width:1560px){.rail{display:flex}}
.adwide{max-width:970px;margin:0 auto;padding:28px 24px}
.adwide .ad{min-height:90px;width:100%}
/* resources */
.tools{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-bottom:14px}
.tools input[type=search],.tools select{padding:.6em .8em;border:1.5px solid var(--line);border-radius:8px;font:inherit;background:#fff;color:var(--text)}
.tools input[type=search]{flex:1;min-width:220px}
.count{color:var(--muted);font-size:.9rem;margin:6px 0 18px}
.card ul.inc{margin:0 0 14px;padding-left:1.1em;color:var(--muted);font-size:.9rem}
.card ul.inc li{margin-bottom:3px}
.acts{display:flex;gap:8px;flex-wrap:wrap;margin-top:auto;align-items:center}
.acts .btn{flex:0 0 auto}
.btn.like{background:#fff;color:var(--ink);border:1.5px solid var(--line)}
.btn.like[aria-pressed=true]{background:#FBDDF0;border-color:var(--mag);color:#8A0C5E}
.btn.prev{background:#fff;color:var(--ink);border:1.5px solid var(--ink)}
.btn.prev:hover{background:var(--ink);color:#fff}
.btn.dl{background:var(--blue)}.btn.dl:hover{background:#0F58CC}
.price{font-weight:600;color:var(--ink);margin-left:auto;font-size:.95rem}
dialog{border:0;border-radius:14px;padding:0;max-width:min(920px,94vw);width:100%;box-shadow:0 20px 60px rgba(11,34,96,.35);color:var(--text)}
dialog::backdrop{background:rgba(11,34,96,.55)}
.dlg-h{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 18px;border-bottom:1px solid var(--line)}
.dlg-h h3{margin:0;font-size:1.05rem}
.dlg-b{padding:18px}.dlg-b iframe{width:100%;height:68vh;border:1px solid var(--line);border-radius:8px}
.dlg-f{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap;padding:12px 18px;border-top:1px solid var(--line);align-items:center}
.dlg-f .n{margin-right:auto;color:var(--muted);font-size:.82rem}
dialog.sm{max-width:520px}
/* learn */
.jump{position:sticky;top:var(--hh);z-index:20;background:rgba(245,248,255,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.jump .wrap{display:flex;gap:8px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.jump a{font-weight:600;font-size:.88rem;text-decoration:none;color:var(--ink);border:1.5px solid var(--line);background:#fff;border-radius:99px;padding:.35em .9em}
.jump a:hover{background:var(--ink);color:#fff}
.lsec{scroll-margin-top:calc(var(--hh) + 64px)}
.card .by{font-size:.85rem;color:var(--ink-2);font-weight:600;margin-bottom:6px}
.card .go{margin-top:auto}
.paths .card h3{margin-bottom:.4em}.paths ol{margin:0;padding-left:1.2em;color:var(--muted);font-size:.93rem}.paths ol li{margin-bottom:4px}
.fine{font-size:.85rem;color:var(--muted);margin-top:18px;max-width:80ch}
/* footer logo */
.chip{display:inline-block;background:#fff;border-radius:10px;padding:8px 14px;margin-bottom:12px}
.chip img{height:44px;width:auto;display:block}
.site-footer .tl{color:#DCE6FF;font-weight:500;margin:0 0 6px}

/* ===== v4 ===== */
.brandbox img{height:80px}
.site-header .wrap{padding-top:6px;padding-bottom:6px}
@media(max-width:600px){.brandbox img{height:56px}}
.flogo2{height:70px;width:auto;display:block;margin-bottom:12px}
.disclaimer h4{margin:0 0 8px;font-size:1rem}
.disclaimer p{margin:0 0 .7em;line-height:1.55}
.disclaimer .copy{margin-top:1.1em;padding-top:12px;border-top:1px solid #28438f;color:#DCE6FF;font-weight:500}
.calc-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px;padding-top:14px;border-top:1px solid var(--line)}
.tag.start{background:var(--ink);color:#fff}
.card p.next{font-size:.86rem;margin:0 0 12px;color:var(--muted)}
button.linklike{background:none;border:0;padding:0;font:inherit;color:var(--blue);text-decoration:underline;cursor:pointer;text-align:left}

/* ===== v5: audit fixes ===== */
.grid{grid-template-columns:minmax(0,1fr)}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.g2,.g3,.g4{grid-template-columns:minmax(0,1fr)}}
.row{grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:420px){.row{grid-template-columns:minmax(0,1fr)}}
.hero-grid{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr)}
@media(max-width:900px){.hero-grid{grid-template-columns:minmax(0,1fr)}}
.hero-grid>*{min-width:0}
.field input,.field select,.field textarea{min-width:0;max-width:100%}
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch}
.sched{min-width:420px}
.legal h2{margin-bottom:.6em}.legal p{color:var(--muted);font-size:.95rem;margin:0 0 .9em}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:.6em 1em;border-radius:8px;z-index:100}
.skip:focus{left:8px}
.site-footer .copy{border-top:1px solid #28438f;margin:26px 0 0;padding-top:16px;color:#DCE6FF;font-size:.88rem}
main:focus{outline:none}
@media(max-width:900px){
  .btn.sm,.nav-toggle,.filters button,.filters a{min-height:42px}
  .btn.sm{padding:.65em 1.05em}
  .nav a{padding:.8em .9em}
  .site-footer li{margin-bottom:10px}.site-footer li a{display:inline-block;padding:2px 0}
  .jump .wrap{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;padding-top:8px;padding-bottom:8px}
  .jump a{white-space:nowrap;min-height:40px;display:inline-flex;align-items:center}
  .section{padding:48px 0}
  .page-title{padding:38px 0}
  .calc{padding:18px}
}
@media(max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .hero{padding:24px 0 32px}
  .hero .actions .btn{flex:1 1 100%;text-align:center}
  .acts .btn{flex:1 1 auto;text-align:center}.acts .price{width:100%;margin-left:0}
  .card{padding:18px}
  .calc-actions .btn{flex:1 1 100%;text-align:center}
  .news form .btn{width:100%}
  dialog{max-width:96vw}.dlg-b iframe{height:60vh}
  .dlg-f{justify-content:stretch}.dlg-f .btn{flex:1}
  .sec-head .btn{width:100%;text-align:center}
}
/* result panels on narrow screens */
.result dl{grid-template-columns:minmax(0,1fr) auto}
.result dt,.result dd{min-width:0;overflow-wrap:anywhere}
.result .flag{grid-column:1/-1;min-width:0}
@media(max-width:480px){
  .result{padding:12px}
  .result dl{grid-template-columns:minmax(0,1fr);gap:2px 0}
  .result dd{text-align:left;margin-bottom:8px}
  .result .big dd{font-size:1.3rem}
}

/* ===== v6: global view, countries ===== */
.fl{font-family:"Segoe UI Emoji","Apple Color Emoji","Noto Color Emoji",sans-serif}
.has-sub{position:relative}
.subtoggle{background:none;border:0;color:var(--ink);padding:.5em .85em;border-radius:8px;font:500 .95rem var(--head);cursor:pointer}
.subtoggle:hover,.has-sub.open .subtoggle{background:var(--mist)}
.nav .sub{display:none;position:absolute;right:0;top:100%;min-width:310px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 40px rgba(11,34,96,.18);padding:8px;z-index:60;flex-direction:column;gap:0}
.nav .has-sub.open .sub{display:block}
@media(hover:hover) and (min-width:901px){.nav .has-sub:hover .sub{display:block}}
.sub li{list-style:none}
.sub .gh{font-size:.72rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);padding:8px 10px 4px}
.sub .ci{white-space:nowrap;display:flex;justify-content:space-between;align-items:center;gap:12px;padding:7px 10px;border-radius:8px;font-size:.93rem;color:var(--ink);cursor:default}
.sub .ci:hover{background:var(--paper)}
.st{font-size:.7rem;font-weight:700;padding:.15em .6em;border-radius:99px;white-space:nowrap}
.st.live{background:#D5F5EE;color:#0A6A5B}.st.cs{background:var(--mist);color:var(--ink-2)}
@media(max-width:900px){.nav .sub{position:static;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0;border-radius:0}.subtoggle{width:100%;text-align:left;padding:.8em .9em;min-height:42px}}
.covgrp{margin-bottom:18px}.covgrp h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin-bottom:8px}
.covrow{display:flex;gap:10px;flex-wrap:wrap}
.cchip{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:99px;padding:7px 14px;font-weight:500;font-size:.93rem;color:var(--ink)}
.cchip .fl{font-size:1.15rem}
.clabel{font-weight:600;font-size:.88rem;color:var(--ink)}
.csel{padding:.6em .8em;border:1.5px solid var(--line);border-radius:8px;font:inherit;background:#fff;color:var(--text);min-width:230px}
.soon{background:#fff;border:1.5px dashed var(--line);border-radius:14px;padding:38px 24px;text-align:center;max-width:620px;margin:10px auto 0}
.soon .sf{font-size:2.6rem;line-height:1}.soon h3{margin:.4em 0 .3em}.soon p{color:var(--muted);margin:0 auto 16px;max-width:46ch}
.soon-actions{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.safety{background:#FBF5E6;border-left:4px solid #C9A24A;border-radius:6px;padding:12px 16px;font-size:.86rem;color:var(--text);margin-top:26px;line-height:1.55}
.section.tight{padding:26px 0}
.ctag{margin-bottom:8px}
#l-newsletter{scroll-margin-top:calc(var(--hh) + 10px)}
@media(max-width:600px){.csel{width:100%}.soon{padding:28px 16px}.soon-actions .btn{flex:1 1 100%;text-align:center}.tools{align-items:stretch}.tools .csel{flex:1 1 100%}}
.hero h1{max-width:18ch}

/* ===== v7: hero without calculator, flags ===== */
.hero-grid{grid-template-columns:minmax(0,1fr)}
.hero h1{max-width:20ch;font-size:clamp(2.2rem,4.4vw,3.6rem)}
.hero .lead{max-width:60ch}
.hero:before{width:680px;height:680px;right:-40px;top:50%;transform:translateY(-50%);opacity:.14}
@media(max-width:900px){.hero:before{width:420px;height:420px;right:-120px;opacity:.1}}
.flagimg{width:24px;height:16px;border-radius:2px;object-fit:cover;box-shadow:0 0 0 1px rgba(11,34,96,.18);vertical-align:-3px;margin-right:4px}
.page-title p br{display:block}
.nav>ul>li{display:flex;align-items:center}
.subtoggle{line-height:1.6;display:block}

/* ===== v8: centered hero, ERP table ===== */
.hero .wrap{max-width:1500px}
.hero .hero-grid>div{text-align:center;margin:0 auto;max-width:100%}
.hero h1{max-width:none;font-size:clamp(1.9rem,4.1vw,4.4rem);line-height:1.1;margin-left:auto;margin-right:auto}
.hero h1 span{display:block}
@media(max-width:700px){.hero h1 span{display:inline}}
.hero .lead{margin:0 auto;max-width:62ch;font-size:clamp(1.05rem,1.5vw,1.3rem)}
.hero .actions,.hero .topics{justify-content:center}
.hero:before{left:50%;right:auto;top:50%;transform:translate(-50%,-50%);width:780px;height:780px;opacity:.09}
@media(max-width:900px){.hero:before{width:520px;height:520px;right:auto;opacity:.08}}
.erp{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.95rem}
.erp th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-weight:600;font-size:.86rem;white-space:nowrap}
.erp td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.erp tbody tr:nth-child(even){background:var(--paper)}
.erp td:first-child{color:var(--muted);width:40px}
.erp a{font-weight:600;white-space:nowrap}
@media(max-width:760px){
  .erp,.erp tbody,.erp tr,.erp td{display:block;width:100%}
  .erp thead{position:absolute;left:-9999px}
  .erp tr{border-bottom:6px solid var(--paper);padding:6px 0}
  .erp td{border:0;padding:6px 14px;display:flex;gap:12px}
  .erp td:first-child{display:none}
  .erp td:before{content:attr(data-l);flex:0 0 112px;color:var(--muted);font-size:.82rem;font-weight:600}
  .erp a{white-space:normal}
}
.hero h1{font-size:clamp(1.9rem,4.9vw,5rem)}
@media(max-width:1000px){.hero h1{font-size:clamp(1.9rem,4.1vw,3rem)}}
@media(max-width:700px){.hero h1{font-size:clamp(1.9rem,8vw,2.4rem)}}

/* ===== v9: keep hero text between the side ad rails ===== */
.hero .wrap{max-width:1180px}
.hero h1{font-size:clamp(1.9rem,calc((100vw - 64px)/17.6),3.9rem)}
.hero .lead{font-size:clamp(1rem,1.25vw,1.15rem);max-width:60ch}
@media(max-width:700px){.hero h1{font-size:clamp(1.9rem,8vw,2.4rem)}}
.hero .lead{max-width:70ch}

/* ===== v10: hero points, ERP cards ===== */
.hero-points{list-style:none;margin:34px auto 0;padding:0;display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
.hero-points li{display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.78);border:1px solid var(--line);border-radius:16px;padding:12px 22px 12px 14px;font-weight:600;font-size:1.08rem;color:var(--ink);cursor:default;user-select:none}
.hp-ico{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;color:#fff;background:linear-gradient(135deg,#00C9C8,#1470FF 55%,#B332E0)}
.hero-points li:nth-child(2) .hp-ico{background:linear-gradient(135deg,#1470FF,#7B3FE4)}
.hero-points li:nth-child(3) .hp-ico{background:linear-gradient(135deg,#00B5A5,#1470FF)}
.hero-points li:nth-child(4) .hp-ico{background:linear-gradient(135deg,#7B3FE4,#D1128D)}
@media(max-width:700px){.hero-points{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hero-points li{flex-direction:column;text-align:center;padding:14px 10px;font-size:.95rem;gap:8px}}
.erpgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
@media(max-width:620px){.erpgrid{grid-template-columns:minmax(0,1fr)}}
.erpcard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px;display:flex;flex-direction:column;gap:6px}
.erpcard h3{margin:0;font-size:1.3rem}
.erpcat{align-self:flex-start;font-size:.74rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-2);background:var(--mist);border-radius:99px;padding:.25em .8em}
.erpcard p{color:var(--muted);margin:0 0 10px;font-size:.98rem}
.erpbtns{display:flex;gap:10px;margin-top:auto;flex-wrap:wrap}

/* ===== v11: new layout (time ribbon, logo, menu, news-style home, side rails, in-grid banners) ===== */
body{background:#F4F6FC}
.ribbon{background:#0A1F5C;color:#fff;font-size:12px;min-height:26px;display:flex;align-items:center}
.ribbon .rb{display:flex;justify-content:space-between;align-items:center;width:100%;max-width:1360px;margin:0 auto;padding:3px 24px;gap:12px}
.ribbon svg{vertical-align:-2px;margin-right:6px}
.ribbon .clocks{display:flex;gap:18px;color:#DCE4FF;flex-wrap:wrap;justify-content:flex-end}
.ribbon .clocks b{color:#fff;font-weight:600}
@media(max-width:700px){.ribbon .clocks{display:none}}
.site-header{position:static;border-bottom:0;background:#fff}
.site-header:after{display:none}
.site-header .wrap{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;padding:6px 16px 4px;min-height:0}
.brandbox{flex-direction:column;align-items:center}
.brandbox img{height:54px;width:auto}
.tagline{display:block;font-size:12px;color:#5A6485;text-align:center;max-width:none;white-space:nowrap;margin:0}
@media(max-width:520px){.tagline{white-space:normal;font-size:11px}}
.nav-bar{position:sticky;top:0;z-index:50;background:#fff;border-bottom:3px solid transparent;border-image:linear-gradient(90deg,#00C2D9,#1B6BFF,#D5128E) 1}
.nav-bar .wrap{display:flex;justify-content:center;padding:2px 16px 4px}
.nav ul{justify-content:center;flex-wrap:wrap;gap:4px}
.nav a{display:inline-flex;align-items:center;height:32px;padding:0 16px;border-radius:99px;font-size:14px;font-weight:500}
@media(max-width:900px){.nav-bar .wrap{justify-content:flex-end}.nav{position:absolute;left:0;right:0;top:100%;background:#fff;padding:10px 24px 18px;border-bottom:1px solid var(--line)}.nav a{height:auto;padding:.7em .9em;border-radius:8px}}
/* shell with side rails */
.shell{display:flex;justify-content:center;align-items:flex-start;gap:20px;padding:20px 20px 40px;max-width:1600px;margin:0 auto;box-sizing:border-box}
.shell>main{flex:1 1 0;min-width:0}
.shell .rail{display:block;position:static;flex:none;width:160px;align-self:stretch;left:auto;right:auto;top:auto;height:auto}
.shell .rail .ad{position:sticky;top:calc(var(--hh) + 16px);width:160px;height:600px;background:#EBEFFA;border:1px dashed #AEB9DA;color:#5A6485;font-size:11px;letter-spacing:.04em;line-height:1.7}
@media(max-width:1280px){.shell .rail{display:none}.shell{padding:16px 16px 32px}}
.shell .wrap{max-width:none;padding:0}
.shell .page-title{border-radius:14px;padding:28px 0;margin-bottom:6px;overflow:hidden}
.shell .page-title .wrap{padding:0 28px}
.shell .section{padding:24px 0}
.shell .section.alt{background:transparent;border:0}
.shell .section.tight{padding:14px 0}
.shell .news{border-radius:14px;margin-top:20px;padding:34px 28px}
.shell .jump{border-radius:10px}
.shell .jump .wrap{padding:10px 12px}
@media(max-width:600px){.shell{padding:12px 12px 28px}.shell .page-title .wrap{padding:0 18px}}
/* banners */
.adb{display:flex;align-items:center;justify-content:center;width:100%;max-width:970px;height:90px;margin:0 auto;background:#EBEFFA;border:1px dashed #AEB9DA;border-radius:8px;color:#5A6485;font-size:12px;letter-spacing:.04em;box-sizing:border-box;text-align:center}
.adb.thin{height:50px}
.grid>.adb{grid-column:1/-1}
.hsec{margin:26px 0}
.hsec>.sec-head{margin-bottom:14px}
.hsec>.sec-head h2{margin:0;font-size:26px}
/* news-style hero */
.nh-grid{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);gap:24px}
.nh-left{display:flex;flex-direction:column;gap:16px;min-width:0}
.nh-big{position:relative;overflow:hidden;border-radius:14px;background:linear-gradient(135deg,#0A1F5C 0%,#14307F 60%,#1B3FA0 100%);color:#fff;padding:28px 32px;display:flex;flex-direction:column;gap:14px;box-sizing:border-box;min-height:330px}
.nh-big:before{content:"";position:absolute;right:-40px;bottom:-60px;width:340px;height:340px;background:url(assets/img/emblem.png) no-repeat center/contain;opacity:.08;pointer-events:none}
.nh-big>*{position:relative}
.nh-k{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.nh-k .lt{font-size:12px;font-weight:700;letter-spacing:.12em;color:#E8C46A}
.nh-k .dt{font-size:13px;color:#C9D4F5}
.nh-big h1{margin:0;color:#fff;font-size:clamp(1.5rem,2.6vw,2.1rem);line-height:1.15;font-weight:700;max-width:720px}
.nh-big h1 a{color:#fff;text-decoration:none}
.nh-big p{margin:0;font-size:16px;line-height:1.5;color:#DCE4FF;max-width:700px}
.nh-foot{margin-top:auto;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.nh-foot .rd{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border-radius:8px;background:#fff;color:#0A1F5C;font-weight:600;font-size:14px;text-decoration:none;margin-right:4px}
.nh-big .tag{background:rgba(255,255,255,.16);color:#fff}
.nh-big .tag.cat{background:#D5128E}
.nh-smalls{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.nh-small{background:#fff;border:1px solid #DDE3F3;border-radius:12px;padding:16px;display:flex;flex-direction:column;gap:8px;min-height:165px;box-sizing:border-box;overflow:hidden}
.nh-rows{display:flex;flex-direction:column;gap:12px;min-width:0}
.nh-row{flex:1 1 0;min-height:100px;background:#fff;border:1px solid #DDE3F3;border-radius:12px;padding:14px 16px;display:flex;flex-direction:column;justify-content:center;gap:6px;box-sizing:border-box;overflow:hidden}
.nh-m{display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:12px;color:#5A6485}
.nh-t{font-weight:600;color:#14214D;text-decoration:none;line-height:1.3;display:-webkit-box;-webkit-box-orient:vertical;overflow:hidden}
.nh-t:hover{color:#1B3FA0;text-decoration:underline}
.nh-small .nh-t{font-size:16px;-webkit-line-clamp:3}
.nh-row .nh-t{font-size:15px;-webkit-line-clamp:2}
.nh-tags{display:flex;gap:4px;flex-wrap:wrap;margin-top:auto;max-height:50px;overflow:hidden}
.nh-tags .tag{font-size:.68rem;padding:.15em .55em}
.nh-row .nh-tags{margin-top:0;max-height:22px}
@media(max-width:1000px){.nh-grid{grid-template-columns:minmax(0,1fr)}.nh-row{flex:none}}
@media(max-width:700px){.nh-smalls{grid-template-columns:minmax(0,1fr)}.nh-small{min-height:0}.nh-big{padding:22px 20px}}
/* cards: tags */
.tag.standard{background:#DDE8FF;color:#1B3FA0}
.tag.cat{background:#E9EEFB;color:#1B3FA0}
.card.ic p{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.card .foot .pdfmark{margin-left:auto;font-size:.74rem;font-weight:700;color:#5A6485;letter-spacing:.04em}
.compact ul.inc{display:none}
.compact .card p{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}

/* v3.2 */
.nh-x{margin:0;font-size:13.5px;line-height:1.45;color:#4A5578;display:-webkit-box;-webkit-box-orient:vertical;-webkit-line-clamp:3;overflow:hidden}
.nh-row .nh-x{-webkit-line-clamp:1;font-size:13px}.nh-row{gap:4px;padding:12px 16px}
.nh-more{font-size:13px;font-weight:600;color:#1B3FA0;text-decoration:none;margin-top:auto}.nh-more:hover{text-decoration:underline}
.nh-big .lt{align-self:flex-start;background:#D5128E;color:#fff;font-size:11px;font-weight:700;letter-spacing:.08em;padding:3px 9px;border-radius:999px}
.lbanner{padding:18px 0}.calc .ctag{display:inline-block;margin-bottom:8px;background:#0A1F5C;color:#fff}
.simhead{margin:28px 0 12px;font-size:1.25rem;color:var(--ink)}
.calc-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.calc .tw{overflow-x:auto}.calc .sched td:first-child,.calc .sched th:first-child{text-align:left}
.calc .field.check{display:flex;gap:8px;align-items:center}.calc .field.check input{width:auto}

.rnote{font-size:13px;color:#5A6485;margin:10px 0 0}

/* v3.7 forms */
.fi-msg{flex:1 0 100%;margin:8px 0 0;font-weight:600}.news .fi-msg.ok{color:#9BF0DA}.news .fi-msg.bad{color:#FFB4C8}.calc .fi-msg.ok{color:var(--blue)}.calc .fi-msg.bad{color:#8A0C5E}.nl-note{font-size:.82rem;margin:8px 0 0}