/* Photo-led internal pages. Approved homepage deliberately excluded. */
.editorial-policy-page{background:#fcfaf6;line-height:1.6}.editorial-policy-page .legal{position:relative;width:min(1320px,calc(100% - 80px));margin:36px auto;padding:35px 48% 45px 0;min-height:420px;overflow:hidden}.policy-editorial-photo{position:absolute;right:0;top:0;width:44%;height:100%;object-fit:cover;border-radius:6px}.editorial-policy-page .legal h1{font:700 48px/1.12 Georgia,serif;color:#173348;letter-spacing:-.9px}.editorial-policy-page .legal h2{font:700 25px Georgia,serif;margin-top:26px}.editorial-policy-page .legal p{font:17px/1.6 Georgia,serif;color:#627485}.policy-directory{width:min(1320px,calc(100% - 80px));margin:0 auto 40px;padding:20px 0;border-top:1px solid #ded6c7;display:flex;flex-wrap:wrap;gap:25px;color:#9c7543;font-size:13px}
@media(max-width:760px){.editorial-policy-page .legal{width:calc(100% - 36px);padding:0}.policy-editorial-photo{position:static;width:100%;height:220px;margin-bottom:25px}.editorial-policy-page .legal h1{font-size:36px}.policy-directory{width:calc(100% - 36px)}}
.category-page,.editorial-article-page{background:#fcfaf6}
.category-page .category-hero,.category-page .section-hero{position:relative;overflow:hidden;background:#f5f1e9;color:#10283b;min-height:330px;padding:44px 0}
.editorial-category-photo{position:absolute;right:0;top:0;width:57%;height:100%;object-fit:cover;object-position:center;z-index:0}
.category-page .category-hero:before,.category-page .section-hero:before{content:"";position:absolute;inset:0;width:100%;background:linear-gradient(90deg,#faf7f1 0%,#faf7f1 39%,rgba(250,247,241,.9) 48%,rgba(250,247,241,.1) 70%,transparent);opacity:1;z-index:1;pointer-events:none}
.category-page .category-hero>.category-wrap,.category-page .section-hero>.category-wrap{position:relative;z-index:2}
.category-page .category-hero-grid{display:block}.category-page .category-hero-grid>div,.category-page .section-hero .category-wrap>h1,.category-page .section-hero .category-wrap>p{max-width:56%}.category-page .category-hero-note{display:none}
.category-page .category-hero h1,.category-page .section-hero h1{font:700 clamp(36px,3.7vw,54px)/1.1 Georgia,serif;background:none;color:#10283b;letter-spacing:-1.1px}
.category-page .category-hero .category-kicker,.category-page .section-hero .category-kicker{color:#997342}.category-page .category-breadcrumb{color:#667789}.category-page .category-tagline{color:#435b70}.category-page .category-intro,.category-page .section-hero p{color:#52687b}.category-page .category-chips a{color:#19364b;background:rgba(255,255,255,.66);border-color:#bb9c6c}
.category-page .category-feature{display:block;padding:0;overflow:hidden;background:#fffdf9}.editorial-feature-photo{width:100%;height:170px;object-fit:cover}.category-page .category-feature>.article-type{display:block;padding:20px 20px 0}.category-page .category-feature h3{padding:0 20px;min-height:54px}.category-page .category-feature .feature-link{display:block;padding:0 20px 20px}
.category-page .category-article{grid-template-columns:72px minmax(0,1fr) 16px;gap:14px;padding:17px 0}.category-page .category-article .article-number{display:none}.editorial-list-thumb{width:72px;height:66px;object-fit:cover;border-radius:5px}.category-page .category-article h3{font-size:17px}.editorial-directory-photo{width:calc(100% + 48px);max-width:none;height:155px;object-fit:cover;margin:-24px -24px 20px}.topic-directory-card{overflow:hidden}
.editorial-card-photo{height:150px;width:calc(100% + 40px);max-width:none;margin:-20px -20px 18px;object-fit:cover}.section-article{overflow:hidden}.category-page .section-note,.category-page .category-endnote{background:#f1ece2;border:0;border-radius:4px}.category-page .category-rail a{background:#fffdf8}.category-page .section-feature{box-shadow:0 8px 25px rgba(33,46,55,.045)}
.editorial-handwriting{display:block;font-family:"Segoe Script","Brush Script MT",cursive;font-size:27px;line-height:1.45;font-weight:400;color:#655d50;transform:rotate(-5deg)}
.editorial-about{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.25fr) minmax(0,.65fr);gap:20px;background:#f8f5ee;padding:38px 48px 32px;align-items:center}.editorial-about h1{font:700 clamp(36px,4vw,60px)/1.05 Georgia,serif;letter-spacing:-1.5px;margin:15px 0 22px;color:#112a3e}.editorial-about-copy p{font-size:16px;line-height:1.6;color:#576b7b}.editorial-about-copy .editorial-handwriting{margin-top:27px;font-size:25px}.editorial-team-photo{margin:0;min-width:0}.editorial-team-image{width:100%;height:440px;object-fit:contain;mix-blend-mode:multiply}.editorial-team-photo figcaption{font-size:9px;text-align:center;color:#87918f}.editorial-about-values>div{padding:17px 0;border-bottom:1px solid #ded7cb}.editorial-about-values>div>span{font:16px Georgia,serif;color:#b09972}.editorial-about-values h2{font:700 19px/1.3 Georgia,serif;margin:8px 0}.editorial-about-values p{font-size:12px;color:#667787;line-height:1.6}.category-page .team-monogram{height:68px;background:#f2ece1;font-size:23px}.category-page .team-card{background:#fffdf8}
.editorial-article-page .container{width:min(1320px,calc(100% - 80px));margin:auto}.editorial-article-page .breadcrumbs{font-size:11px;color:#a18a65;padding:28px 0 18px;display:flex;flex-wrap:wrap;gap:10px}.editorial-article-page .breadcrumbs>span:last-child{max-width:470px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.editorial-article-page .article-layout{display:grid;grid-template-columns:minmax(0,1fr) 315px;gap:36px;padding-bottom:42px}.editorial-article-page .article{min-width:0;font:17px/1.65 Georgia,serif;color:#193246}.editorial-article-page .article h1{font:700 clamp(30px,3.1vw,45px)/1.12 Georgia,serif;letter-spacing:-.9px;color:#132e44;margin:10px 0 14px}.editorial-article-page .article .eyebrow{font:600 10px 'Segoe UI',sans-serif;letter-spacing:2px;color:#a37e47}.editorial-article-page .article .dek{font:18px/1.55 Georgia,serif;color:#697685;margin:12px 0 19px}.editorial-article-page .byline{display:flex;flex-wrap:wrap;gap:16px;font:11px/1.5 'Segoe UI',sans-serif;border-bottom:1px solid #e2ded6;padding:0 0 17px;margin-bottom:20px;color:#74818e}.editorial-article-photo{margin:20px 0 25px;position:relative}.editorial-article-hero{height:330px;width:100%;object-fit:cover;border-radius:5px}.editorial-article-photo figcaption{font:10px 'Segoe UI',sans-serif;color:#8a8f90;padding-top:8px}.editorial-article-page .article h2{font:700 26px/1.25 Georgia,serif;letter-spacing:-.3px;color:#17364d;margin:30px 0 13px;scroll-margin-top:20px}.editorial-article-page .article p{font:17px/1.65 Georgia,serif}.editorial-article-page .answer-box{background:#efe9df;border:0;border-left:3px solid #b69460;border-radius:5px;padding:23px 26px;margin:24px 0}.editorial-article-page .answer-box>strong{font:700 24px Georgia,serif;color:#263d4b}.editorial-article-page .answer-box p{margin:12px 0 0}.editorial-article-page .note{background:#f1f4f0;border:1px solid #d9e2d9;padding:24px;border-radius:6px}.editorial-article-page table{width:100%;border-collapse:collapse;font:14px/1.5 'Segoe UI',sans-serif}.editorial-article-page td,.editorial-article-page th{padding:13px;border:1px solid #d8ddd9}.editorial-article-page th{background:#e9eee9}.editorial-article-page .faq details{border-bottom:1px solid #deddd6;padding:14px 0}.editorial-article-page .faq summary{font:600 17px/1.5 Georgia,serif;color:#234259;cursor:pointer}.editorial-article-page .sources{background:#f5f0e7;padding:22px 26px;border-radius:5px}.editorial-article-page .sources a{overflow-wrap:anywhere;color:#8d6737}.editorial-article-page .article-side{position:sticky;top:22px;align-self:start;min-width:0;padding-bottom:24px}.editorial-sidebar-quote{padding:30px 25px;margin-bottom:20px;background:#f0ebe1;border-radius:5px;text-align:center}.editorial-sidebar-quote .editorial-handwriting{font-size:23px}.editorial-contents,.editorial-related{padding:22px;border:1px solid #e0ddd4;border-radius:5px;background:#fffdf8}.editorial-contents>a{display:flex;gap:12px;font:12px/1.5 'Segoe UI',sans-serif;padding:12px 0;color:#496176}.editorial-contents>a>span{color:#af9571}.editorial-related{margin-top:20px}.editorial-related>a{display:grid;grid-template-columns:65px minmax(0,1fr);gap:13px;align-items:center;padding:15px 0;font:15px/1.4 Georgia,serif}.editorial-related-thumb{width:65px;height:65px;object-fit:cover;border-radius:4px}.editorial-inline-ad{height:180px;margin-top:22px;display:grid;place-items:center;border:1px solid #c7b18d;background:#f6f1e8;border-radius:5px}.editorial-inline-ad>span{font:9px 'Segoe UI',sans-serif;letter-spacing:2px;text-transform:uppercase;color:#a18a67}
@media(max-width:1000px){.editorial-about{grid-template-columns:1fr 1.3fr;padding:30px}.editorial-about-values{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.editorial-team-image{height:360px}.editorial-article-page .article-layout{grid-template-columns:minmax(0,1fr) 270px;gap:25px}}
@media(max-width:760px){.category-page .category-hero-grid>div,.category-page .section-hero .category-wrap>h1,.category-page .section-hero .category-wrap>p{max-width:100%}.editorial-category-photo{width:100%;opacity:.18}.category-page .category-hero:before,.category-page .section-hero:before{background:rgba(250,247,241,.75)}.editorial-about{grid-template-columns:1fr;padding:26px 20px}.editorial-about-values{grid-template-columns:1fr}.editorial-team-image{height:auto;max-height:480px}.editorial-article-page .container{width:calc(100% - 36px)}.editorial-article-page .article-layout{grid-template-columns:1fr}.editorial-article-page .article-side{position:static}.editorial-article-hero{height:240px}.editorial-feature-photo{height:180px}.editorial-directory-photo{height:180px}.editorial-article-page .article h2{font-size:24px}}


/* v42 provider page completion */
.provider-hero .category-wrap{position:relative}
.provider-brand-lockup{display:flex;align-items:center;gap:14px;margin:0 0 18px}
.provider-brand-lockup img{display:block;max-width:170px;max-height:44px;width:auto;height:auto;object-fit:contain;background:#fff;border:1px solid rgba(18,42,75,.12);padding:7px 12px}
.provider-brand-lockup span{font-size:11px;letter-spacing:.16em;font-weight:800;color:#8b6a2e}
.provider-library-refined{width:100%}
.provider-library-inner{display:grid;gap:28px}
.provider-own-guides,.provider-general-guides,.provider-verify-strip{background:#fff;border:1px solid rgba(17,42,75,.13);box-shadow:0 12px 34px rgba(14,35,62,.06);padding:28px}
.provider-own-guides h2,.provider-general-guides h2,.provider-verify-strip h2{margin:0 0 8px;color:#112b51}
.provider-section-intro,.provider-section-head p,.provider-verify-strip p{margin:0;color:#526179;line-height:1.65}
.provider-section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;margin-bottom:20px}
.provider-guide-count{flex:0 0 auto;border:1px solid rgba(177,132,58,.42);background:#fbf6ea;color:#77571f;padding:8px 12px;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase}
.provider-guide-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}
.provider-guide-card{position:relative;min-height:118px;padding:18px 48px 18px 18px;border:1px solid rgba(17,42,75,.12);background:#fbfcfe;text-decoration:none;transition:.18s ease;display:flex;flex-direction:column;gap:7px}
.provider-guide-card:hover{transform:translateY(-2px);border-color:rgba(177,132,58,.6);box-shadow:0 12px 26px rgba(14,35,62,.08)}
.provider-guide-card strong{color:#132c52;font-family:Georgia,serif;font-size:18px;line-height:1.22}
.provider-guide-kicker{color:#96702e;font-size:10px;letter-spacing:.12em;font-weight:800}
.provider-guide-arrow{position:absolute;right:17px;top:50%;transform:translateY(-50%);color:#9a742e;font-size:20px}
.provider-verify-strip{background:#0f2c46;color:#fff;border-color:#0f2c46}
.provider-verify-strip h2{color:#f5e1a8}
.provider-verify-strip p{color:rgba(255,255,255,.82);max-width:900px}
.section-body .section-ad{align-self:start}
@media(max-width:760px){
  .provider-guide-grid{grid-template-columns:1fr}
  .provider-section-head{display:block}
  .provider-guide-count{display:inline-block;margin-top:14px}
  .provider-own-guides,.provider-general-guides,.provider-verify-strip{padding:20px}
  .provider-brand-lockup img{max-width:145px}
}



/* v47 Provider page premium visual pass */
.provider-hero{
  position:relative;
  overflow:hidden;
}
.provider-hero .editorial-category-photo{
  filter:saturate(.9) contrast(1.02);
}
.provider-hero:after{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:linear-gradient(90deg,rgba(255,255,255,.96) 0%,rgba(255,255,255,.89) 38%,rgba(255,255,255,.14) 72%,rgba(255,255,255,.02) 100%);
}
.provider-hero .category-wrap{
  position:relative;
  z-index:2;
}
.provider-library-premium .provider-general-guides{
  background:#fff;
  border:1px solid #e4e1da;
  box-shadow:0 10px 28px rgba(16,39,70,.05);
}
.provider-library-premium .provider-guide-card{
  border-color:#e5e3dd;
  background:#fcfcfb;
}
.provider-library-premium .provider-guide-card:hover{
  border-color:#d2b47c;
  box-shadow:0 10px 22px rgba(16,39,70,.07);
}
.provider-library-premium .provider-verify-strip{
  background:linear-gradient(135deg,#052348 0%,#0b315d 100%);
  border-color:rgba(196,155,81,.28);
}
@media(max-width:760px){
  .provider-hero:after{
    background:linear-gradient(180deg,rgba(255,255,255,.94) 0%,rgba(255,255,255,.88) 65%,rgba(255,255,255,.45) 100%);
  }
}


/* v54 compact provider facts */
.provider-hero .provider-fact-lines{display:grid;gap:4px;max-width:930px;margin-top:9px;color:#51647a;font:15px/1.32 Arial,sans-serif}.provider-hero .provider-fact-lines span{display:block}.provider-own-guides{margin-bottom:28px}.provider-own-guides .provider-section-intro{max-width:780px;margin:0 0 18px;color:#607086}@media(max-width:720px){.provider-hero .provider-fact-lines{font-size:14px;line-height:1.38}}


/* v59 bank provider topic library: minimum two bank-specific guides per section */
.provider-topic-library{
  margin:0 0 28px;
  padding:28px;
  background:#fff;
  border:1px solid rgba(17,42,75,.13);
  box-shadow:0 12px 34px rgba(14,35,62,.06);
}
.provider-topic-library>h2{margin:0 0 6px;color:#112b51}
.provider-topic-library>.provider-section-intro{max-width:820px;margin:0 0 22px;color:#607086}
.provider-topic-block{
  padding:18px 0 20px;
  border-top:1px solid #e6e1d9;
}
.provider-topic-block:first-of-type{border-top:0;padding-top:4px}
.provider-topic-head{
  display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:10px
}
.provider-topic-head h3{margin:0;color:#102b55;font:700 22px/1.1 Georgia,"Times New Roman",serif}
.provider-topic-count{font:700 11px/1 Arial;letter-spacing:.08em;text-transform:uppercase;color:#9a7135}
.provider-topic-block .provider-guide-grid{margin-top:0}
@media(max-width:720px){
  .provider-topic-library{padding:20px}
  .provider-topic-head{align-items:flex-start;flex-direction:column;gap:5px}
}


/* v71 — compact bank-by-bank guide blocks */
.bank-specific-category-guides{
  background:#f8f7f3;
  border-top:1px solid rgba(17,42,75,.09);
  border-bottom:1px solid rgba(17,42,75,.09);
}
.bank-specific-shell{
  max-width:1200px;
  margin:0 auto;
  padding:32px 28px 34px;
}
.bank-specific-shell>h2{
  margin:6px 0 6px;
  color:#102b51;
  font:700 29px/1.06 Georgia,"Times New Roman",serif;
}
.bank-specific-intro{
  max-width:800px;
  margin:0 0 18px;
  color:#66758a;
  font-size:14px;
  line-height:1.5;
}
.bank-specific-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:10px;
}
.bank-specific-card{
  min-width:0;
  padding:13px 14px 12px;
  background:#fff;
  border:1px solid #e1ddd5;
}
.bank-specific-card h3{
  margin:0 0 7px;
  color:#112d56;
  font:700 17px/1.08 Georgia,"Times New Roman",serif;
}
.bank-specific-links{
  display:grid;
  gap:6px;
}
.bank-specific-links a{
  color:#465b73;
  font-size:11.5px;
  line-height:1.28;
  text-decoration:none;
}
.bank-specific-links a:hover{
  color:#916729;
  text-decoration:underline;
}
.bank-profile-link{
  display:inline-block;
  margin-top:9px;
  color:#9a6c2d;
  font-size:10.5px;
  font-weight:800;
  text-decoration:none;
}
@media(max-width:900px){
  .bank-specific-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:620px){
  .bank-specific-shell{padding:25px 18px 28px}
  .bank-specific-grid{grid-template-columns:1fr}
}

/* v72 — compact related-guide links inside article pages */
.article-related-guides{
  margin:28px 0 24px;
  padding:20px 0 0;
  border-top:1px solid #e2ded6;
}
.article-related-guides>h2{
  margin:6px 0 13px;
  color:#112d56;
  font:700 24px/1.08 Georgia,"Times New Roman",serif;
}
.article-related-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:10px;
}
.article-related-card{
  display:flex;
  flex-direction:column;
  min-width:0;
  padding:12px 13px;
  background:#fbfaf7;
  border:1px solid #e5e1da;
  text-decoration:none;
}
.article-related-cat{
  color:#9a6c2d;
  font-size:9px;
  font-weight:800;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.article-related-card strong{
  margin-top:5px;
  color:#1a3557;
  font:700 14px/1.22 Georgia,"Times New Roman",serif;
}
.article-related-arrow{
  margin-top:auto;
  padding-top:8px;
  color:#8f6527;
  font-size:10.5px;
  font-weight:800;
}
@media(max-width:760px){
  .article-related-grid{grid-template-columns:1fr}
}

/* v73 — site-wide advertising architecture */
.mba-ad-slot{
  width:min(100% - 40px,1180px);
  margin:22px auto;
  clear:both;
}
.mba-ad-inner{
  min-height:92px;
  border:1px solid #ded9d0;
  background:
    linear-gradient(135deg,rgba(246,242,234,.72),rgba(255,255,255,.96));
  display:flex;
  align-items:center;
  justify-content:center;
  color:#9a8d7a;
  font:700 9px/1 Arial,sans-serif;
  letter-spacing:.16em;
  text-transform:uppercase;
}
.mba-ad-rectangle{
  width:min(100% - 40px,760px);
}
.mba-ad-rectangle .mba-ad-inner{min-height:250px}
.mba-ad-leaderboard .mba-ad-inner{min-height:108px}

/* Article ads stay inside readable column rather than spanning the entire viewport. */
.article .mba-ad-slot{
  width:100%;
  margin:26px 0;
}
.article .mba-ad-rectangle{
  max-width:100%;
}
.article .mba-ad-article-top{margin-top:20px}
.article .mba-ad-article-mid{margin-top:28px;margin-bottom:28px}
.article .mba-ad-article-lower{margin-top:28px;margin-bottom:22px}

/* Info/legal pages keep ad treatment understated. */
.info-page .mba-ad-slot{width:100%;margin:24px 0}
.info-page .mba-ad-inner{min-height:96px;background:#fbfaf7}

/* Avoid visually merging ads with adjacent bordered cards. */
.bank-specific-category-guides + .mba-ad-slot,
.mba-ad-slot + .bank-specific-category-guides{margin-top:26px;margin-bottom:26px}

@media(max-width:700px){
  .mba-ad-slot,.mba-ad-rectangle{
    width:calc(100% - 28px);
    margin:18px auto;
  }
  .article .mba-ad-slot{width:100%}
  .mba-ad-rectangle .mba-ad-inner{min-height:180px}
  .mba-ad-leaderboard .mba-ad-inner{min-height:90px}
}