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rgba(42,157,143,0.18)}.search-page-submit{height: 56px;padding: 0 28px;font-family: inherit;font-size: 1rem;font-weight: 600;color: white;background: var(--color-primary);border: 0;border-radius: var(--radius-md);cursor: pointer;transition: background-color var(--transition-fast)}.search-page-submit:hover{background: var(--color-primary-hover)}.visually-hidden{position: absolute;width: 1px;height: 1px;padding: 0;margin: -1px;overflow: hidden;clip: rect(0,0,0,0);white-space: nowrap;border: 0}.search-status{margin: 0 0 var(--space-lg);color: var(--color-text-light);font-size: 0.95rem}.search-status strong{color: var(--color-heading);font-weight: 600}.search-results{list-style: none;padding: 0;margin: 0;display: flex;flex-direction: column;gap: var(--space-md)}.search-result{padding: var(--space-md) var(--space-lg);background: white;border: 1px solid var(--color-border);border-radius: var(--radius-md);transition: border-color var(--transition-fast),box-shadow var(--transition-fast),transform var(--transition-fast)}.search-result:hover{border-color: var(--color-primary);box-shadow: var(--shadow-md);transform: translateY(-1px)}.search-result-section{display: inline-block;font-size: 0.7rem;font-weight: 600;text-transform: uppercase;letter-spacing: 0.06em;color: var(--color-primary);background: var(--color-primary-light);padding: 0.2rem 0.55rem;border-radius: 9999px;margin-bottom: 0.5rem}.search-result-title{display: block;font-family: var(--font-serif);font-size: 1.15rem;font-weight: 700;color: var(--color-heading);text-decoration: none;line-height: 1.3;margin-bottom: 0.35rem}.search-result-title:hover{color: var(--color-primary);text-decoration: underline}.search-result-url{font-size: 0.78rem;color: var(--color-text-light);margin-bottom: 0.55rem;word-break: break-all}.search-result-snippet{font-size: 0.92rem;color: var(--color-text);line-height: 1.55;margin: 0}.search-result mark{background: rgba(42,157,143,0.18);color: inherit;padding: 0 2px;border-radius: 2px}.search-empty{margin-top: var(--space-xl);padding-top: var(--space-xl);border-top: 1px solid var(--color-border-light)}.search-empty h2{font-size: 1.5rem;margin-bottom: 0.5rem}.search-empty>p{color: var(--color-text-light);margin-bottom: var(--space-lg)}.search-popular-grid{display: grid;grid-template-columns: repeat(auto-fit,minmax(240px,1fr));gap: var(--space-md)}.search-popular-card{display: block;padding: var(--space-md) var(--space-lg);background: white;border: 1px solid var(--color-border);border-radius: var(--radius-md);text-decoration: none;transition: border-color var(--transition-fast),box-shadow var(--transition-fast),transform var(--transition-fast)}.search-popular-card:hover{border-color: var(--color-primary);box-shadow: var(--shadow-md);transform: translateY(-1px);text-decoration: none}.search-popular-card h3{font-family: var(--font-serif);font-size: 1.05rem;margin: 0 0 0.35rem;color: var(--color-heading)}.search-popular-card p{font-size: 0.88rem;color: var(--color-text);margin: 0;line-height: 1.5}.hero{padding: var(--space-4xl) 0;position: relative;overflow: hidden}.hero--home{background: linear-gradient(165deg,var(--navy-950) 0%,var(--teal-900) 50%,var(--teal-800) 100%);color: white}.hero--home::before{content: '';position: absolute;top: -40%;right: -15%;width: 700px;height: 700px;background: radial-gradient(circle,rgba(42,157,143,0.12) 0%,transparent 65%);border-radius: 50%}.hero--home::after{content: '';position: absolute;bottom: -40%;left: -10%;width: 500px;height: 500px;background: radial-gradient(circle,rgba(31,122,110,0.08) 0%,transparent 65%);border-radius: 50%}.hero .container{position: relative;z-index: 1}.hero h1{font-size: clamp(2.25rem,5.5vw,3.25rem);max-width: 720px;letter-spacing: -0.025em}.hero p{font-size: clamp(1.05rem,2vw,1.2rem);max-width: 580px;margin-bottom: var(--space-xl);line-height: 1.7}.hero--home h1{color: white}.hero--home p{color: rgba(255,255,255,0.8)}.hero--page{padding: var(--space-2xl) 0 var(--space-xl);background: #f6f4ee;color: var(--color-text)}.hero--page::before,.hero--page::after{display: none}.hero--page h1{font-size: clamp(1.75rem,4vw,2.5rem);margin-bottom: var(--space-sm);color: var(--navy-950);max-width: 1100px}.hero--page p{font-size: 1.05rem;margin-bottom: 0;color: var(--gray-700);max-width: 920px}.hero--page .article-meta{max-width: none}.hero--page .breadcrumbs a{color: var(--teal-700)}.hero--page .breadcrumbs a:hover{color: var(--teal-900);text-decoration-color: rgba(13,53,48,0.4)}.hero--page .breadcrumbs li::after{color: var(--gray-400)}.hero--page .breadcrumbs li:last-child{color: var(--gray-600)}.hero--page .review-breadcrumb{color: var(--gray-600)}.hero--page .review-breadcrumb a{color: var(--teal-700)}.hero--page .article-meta{color: var(--gray-600) !important}.hero--page .article-meta strong{color: var(--navy-900)}.hero-image{background: #f6f4ee;padding: var(--space-lg) 0;margin-top: -1px}.hero-image img{width: 100%;height: auto;max-height: 420px;object-fit: cover;border-radius: var(--radius-lg)}@media (min-width: 640px){.hero-image{padding: var(--space-xl) 0}}.hero-image-with-calc{display: grid;grid-template-columns: 1fr;gap: var(--space-lg);align-items: stretch}.hero-image-with-calc .hero-img-wrap{border-radius: var(--radius-lg);overflow: hidden;min-height: 240px;position: relative}.hero-image-with-calc .hero-img-wrap img{width: 100%;height: 100%;max-height: none;object-fit: cover;border-radius: 0;box-shadow: none;display: block}.hero-image-with-calc .calc-callout,.hero-image-with-calc .dmp-callout{margin-top: 0;height: 100%;display: flex;flex-direction: column}@media (min-width: 900px){.hero-image-with-calc{grid-template-columns: minmax(0,1.45fr) minmax(280px,1fr);gap: var(--space-xl)}.hero-image-with-calc .hero-img-wrap{max-height: 360px;min-height: 280px}}@media (min-width: 1200px){.hero-image-with-calc{grid-template-columns: minmax(0,1.6fr) minmax(320px,1fr)}.hero-image-with-calc .hero-img-wrap{max-height: 380px}}.breadcrumbs{display: flex;flex-wrap: wrap;gap: var(--space-xs);list-style: none;margin-bottom: var(--space-lg);font-size: var(--text-sm);font-family: var(--font-sans)}.breadcrumbs a{color: rgba(255,255,255,0.6);text-decoration: none;transition: color var(--transition-fast)}.breadcrumbs a:hover{color: white;text-decoration: underline;text-decoration-color: rgba(255,255,255,0.4)}.breadcrumbs li::after{content: '/';margin-left: var(--space-sm);color: rgba(255,255,255,0.3)}.breadcrumbs li:last-child::after{display: none}.breadcrumbs li:last-child{color: rgba(255,255,255,0.85)}.card-grid{display: grid;grid-template-columns: 1fr;gap: var(--space-lg)}.card{background: white;border-radius: var(--radius-md);padding: var(--space-xl) var(--space-lg);border: 1px solid var(--color-border);transition: all var(--transition-base);text-decoration: none;color: inherit;display: block;position: relative;box-shadow: var(--shadow-card)}.card:hover{transform: translateY(-3px);box-shadow: var(--shadow-card-hover);border-color: var(--teal-200);color: inherit;text-decoration: none}.card::before{content: '';position: absolute;top: 0;left: 0;right: 0;height: 3px;background: linear-gradient(90deg,var(--teal-500),var(--teal-700));border-radius: var(--radius-md) var(--radius-md) 0 0;opacity: 0;transition: opacity var(--transition-base)}.card:hover::before{opacity: 1}.card-icon{width: 48px;height: 48px;border-radius: var(--radius-sm);display: flex;align-items: center;justify-content: center;font-size: 1.5rem;margin-bottom: var(--space-md);background: var(--teal-50);color: var(--teal-600)}.card h3{color: var(--color-heading);margin-bottom: var(--space-xs);font-size: 1.125rem;font-family: var(--font-serif)}.card p{color: var(--color-text-light);font-size: var(--text-sm);margin-bottom: 0;line-height: 1.65}.card-link{display: inline-flex;align-items: center;gap: var(--space-xs);color: var(--color-primary);font-weight: 600;font-size: var(--text-sm);margin-top: var(--space-md);text-decoration: none}.card-link::after{content: '\2192';transition: transform var(--transition-fast)}.card:hover .card-link::after{transform: translateX(4px)}.content-page{padding: var(--space-3xl) 0 var(--space-4xl)}.content-page .container{display: grid;grid-template-columns: 1fr;gap: var(--space-2xl)}.content-main{font-size: 1.0625rem;line-height: 1.8}.content-main section{margin-bottom: var(--space-xl)}.content-main h2{margin-top: var(--space-2xl);padding-top: var(--space-xl);border-top: 1px solid var(--color-border);color: var(--color-heading);position: relative}.content-main h2:first-child,.content-main section:first-child h2{margin-top: 0;padding-top: 0;border-top: none}.content-main h3{margin-top: var(--space-xl);color: var(--teal-800);font-size: 1.25rem}.content-main h4{margin-top: var(--space-lg);color: var(--gray-800);font-family: var(--font-sans);font-weight: 700;font-size: 1rem;text-transform: none}.content-main ul,.content-main ol{margin-bottom: var(--space-lg);padding-left: var(--space-xl)}.content-main li{margin-bottom: 0.5rem;line-height: 1.75}.content-main li::marker{color: var(--teal-500)}.content-main strong{color: var(--color-heading);font-weight: 600}.content-main a{color: var(--color-primary);text-decoration: underline;text-decoration-color: var(--teal-200);text-underline-offset: 3px;transition: all var(--transition-fast)}.content-main a:hover{text-decoration-color: var(--teal-500);color: var(--color-primary-hover)}.info-box,.tip-box,.warning-box{border-radius: var(--radius-md);padding: var(--space-lg) var(--space-xl);margin: var(--space-xl) 0;position: relative;border: 1px solid transparent}.info-box h4,.tip-box h4,.warning-box h4{font-family: var(--font-sans);font-size: var(--text-sm);font-weight: 700;text-transform: uppercase;letter-spacing: 0.05em;margin-bottom: var(--space-sm);display: flex;align-items: center;gap: var(--space-sm)}.info-box h4::before,.tip-box h4::before,.warning-box h4::before{content: '';display: inline-block;width: 18px;height: 18px;border-radius: 50%;flex-shrink: 0}.info-box p:last-child,.tip-box p:last-child,.warning-box p:last-child{margin-bottom: 0}.info-box ul,.info-box ol,.tip-box ul,.tip-box ol,.warning-box ul,.warning-box ol{margin-bottom: var(--space-sm)}.info-box{background: var(--teal-50);border-left: 4px solid var(--teal-500);border-color: var(--teal-100);border-left-color: var(--teal-500)}.info-box h4{color: var(--teal-700)}.info-box h4::before{background: var(--teal-500);box-shadow: inset 0 0 0 3px var(--teal-50),inset 0 0 0 5px var(--teal-500)}.tip-box{background: var(--green-50);border-left: 4px solid var(--green-500);border-color: var(--green-100);border-left-color: var(--green-500)}.tip-box h4{color: var(--green-700)}.tip-box h4::before{background: var(--green-500);box-shadow: inset 0 0 0 3px var(--green-50),inset 0 0 0 5px var(--green-500)}.warning-box{background: #fefce8;border-left: 4px solid #eab308;border-color: #fef9c3;border-left-color: #eab308}.warning-box h4{color: #92400e}.warning-box h4::before{background: #eab308;box-shadow: inset 0 0 0 3px #fefce8,inset 0 0 0 5px #eab308}.content-sidebar{order: -1}.content-sidebar>.sidebar-toc,.content-sidebar>.related-articles,.content-sidebar>.key-resources{background: transparent;border: none;border-radius: 0;padding: var(--space-md) var(--space-lg);margin-top: 0}@media (min-width: 1024px){.content-sidebar{background: #ffffff;border: 1px solid var(--color-border);border-radius: var(--radius-lg);overflow: hidden;box-shadow: 0 1px 2px rgba(15,29,53,0.04)}.content-sidebar>.sidebar-toc,.content-sidebar>.related-articles,.content-sidebar>.key-resources{padding: var(--space-lg)}.content-sidebar>* + .sidebar-toc,.content-sidebar>* + .related-articles,.content-sidebar>* + .key-resources{border-top: 1px solid var(--color-border-light)}.content-sidebar>.sidebar-toc:first-child{background: linear-gradient(180deg,var(--teal-50) 0%,#ffffff 100%)}}.sidebar-toc h3,.sidebar-toc h4,.related-articles h3,.related-articles h4,.key-resources h3,.key-resources h4{font-family: var(--font-sans);font-size: 0.78rem;text-transform: uppercase;letter-spacing: 0.08em;color: var(--gray-600);margin-bottom: 0.65rem;font-weight: 700}.sidebar-toc nav ul,.sidebar-toc ul{list-style: none;margin: 0;padding: 0;position: relative}.sidebar-toc ul::before{content: '';position: absolute;left: 0;top: 4px;bottom: 4px;width: 2px;background: var(--gray-200);border-radius: 2px}.sidebar-toc li{margin-bottom: 1px;position: relative}.sidebar-toc a{display: block;padding: 0.4rem 0.75rem 0.4rem 1rem;font-size: 0.875rem;color: var(--gray-600);transition: color var(--transition-fast),background var(--transition-fast);text-decoration: none;border-radius: 0 var(--radius-xs) var(--radius-xs) 0;line-height: 1.45;position: relative}.sidebar-toc a::before{content: '';position: absolute;left: 0;top: 0.5rem;bottom: 0.5rem;width: 2px;background: transparent;border-radius: 2px;transition: background var(--transition-fast)}.sidebar-toc a:hover{color: var(--color-primary);background: var(--teal-50);text-decoration: none}.sidebar-toc a:hover::before{background: var(--teal-300)}.sidebar-toc a.is-active,.sidebar-toc a.active{color: var(--color-primary);font-weight: 600;background: var(--teal-50)}.sidebar-toc a.is-active::before,.sidebar-toc a.active::before{background: var(--color-primary)}.related-articles ul{list-style: none;margin: 0;padding: 0}.related-articles li{margin-bottom: 0;padding: 0.35rem 0;border-bottom: none}.related-articles li:last-child{padding-bottom: 0}.related-articles a{font-size: 0.875rem;color: var(--gray-700);font-weight: 500;text-decoration: none;display: block;padding: 0.2rem 0.4rem;border-radius: var(--radius-xs);transition: color var(--transition-fast),background var(--transition-fast);line-height: 1.4}.related-articles a:hover{color: var(--color-primary);background: var(--teal-50);text-decoration: none}.key-resources{background: var(--color-bg-alt);border-radius: var(--radius-md);padding: var(--space-lg);border: 1px solid var(--color-border);margin-top: var(--space-lg)}.key-resources h3{font-family: var(--font-sans);font-size: var(--text-xs);text-transform: uppercase;letter-spacing: 0.1em;color: var(--color-text-light);margin-bottom: var(--space-md);font-weight: 700}.key-resources ul{list-style: none}.key-resources li{margin-bottom: 0.5rem}.key-resources a{font-size: var(--text-sm);color: var(--color-primary);font-weight: 500;text-decoration: none}.key-resources a:hover{text-decoration: underline}.hero-callout-strip{background: #f6f4ee;padding: var(--space-xl) 0;margin-top: -1px}.hero-callout-wrap{max-width: 760px;margin: 0 auto}.hero-callout-wrap>.calc-callout,.hero-callout-wrap>.dmp-callout{margin-top: 0}.calc-callout,.dmp-callout{background: linear-gradient(135deg,var(--navy-950) 0%,var(--teal-900) 100%);border: 1px solid rgba(255,255,255,0.06);border-radius: var(--radius-lg);padding: var(--space-lg);margin-top: var(--space-lg);color: rgba(255,255,255,0.92);position: relative;overflow: hidden;box-shadow: 0 4px 24px rgba(10,22,40,0.18)}.calc-callout::before,.dmp-callout::before{content: "";position: absolute;inset: 0;background: radial-gradient(circle at 100% 0%,rgba(124,202,192,0.16),transparent 65%);pointer-events: none}.calc-callout-eyebrow,.dmp-callout-eyebrow{font-family: var(--font-sans);font-size: 10px;text-transform: uppercase;letter-spacing: 0.16em;color: var(--teal-300);margin-bottom: var(--space-sm);position: relative;font-weight: 600}.calc-callout h3,.dmp-callout h3{font-family: var(--font-serif);font-size: var(--text-xl);font-weight: 700;color: #ffffff;line-height: 1.2;margin-bottom: var(--space-sm);position: relative}.calc-callout h3 em,.dmp-callout h3 em{color: var(--teal-300);font-style: normal}.calc-callout-desc,.dmp-callout-desc{font-size: var(--text-sm);color: rgba(255,255,255,0.72);line-height: 1.55;margin-bottom: var(--space-md);position: relative}.calc-callout-preview,.dmp-callout-preview{display: flex;flex-direction: column;gap: 8px;margin-bottom: var(--space-md);position: relative}.calc-callout-bar,.dmp-callout-bar{display: flex;align-items: center;gap: 10px;font-size: 11px;color: rgba(255,255,255,0.65)}.calc-callout-bar-track,.dmp-callout-bar-track{flex: 1;height: 6px;background: rgba(255,255,255,0.08);border-radius: 100px;overflow: hidden}.calc-callout-bar-fill,.dmp-callout-bar-fill{height: 100%;border-radius: 100px}.calc-callout-bar-fill.full{background: rgba(255,255,255,0.22);width: 100%}.calc-callout-bar-fill.settled{background: var(--teal-500);width: 48%}.calc-callout-bar-fill.kept{background: var(--teal-300);width: 52%}.dmp-callout-bar-fill.current{background: rgba(255,255,255,0.22);width: 100%}.dmp-callout-bar-fill.consolidated{background: var(--teal-500);width: 42%}.dmp-callout-bar-fill.saved{background: var(--teal-300);width: 58%}.calc-callout-bar-label,.dmp-callout-bar-label{width: 68px;text-align: right;flex-shrink: 0}.calc-callout-bar-val,.dmp-callout-bar-val{width: 56px;flex-shrink: 0;font-variant-numeric: tabular-nums;text-align: right;color: rgba(255,255,255,0.85)}.calc-callout-saving,.dmp-callout-saving{text-align: center;padding: var(--space-md) 0;margin-bottom: var(--space-md);border-top: 1px solid rgba(255,255,255,0.1);border-bottom: 1px solid rgba(255,255,255,0.1);position: relative}.calc-callout-saving-label,.dmp-callout-saving-label{font-size: 10px;text-transform: uppercase;letter-spacing: 0.14em;color: rgba(255,255,255,0.5);margin-bottom: 6px}.calc-callout-saving-val,.dmp-callout-saving-val{font-family: var(--font-serif);font-size: 34px;font-weight: 700;color: var(--teal-300);line-height: 1;letter-spacing: -0.01em}.calc-callout-btn,.dmp-callout-btn{display: block;width: 100%;padding: 13px 16px;background: var(--teal-500);color: #ffffff;border: none;border-radius: var(--radius-sm);font-family: var(--font-sans);font-size: var(--text-sm);font-weight: 600;text-align: center;text-decoration: none;cursor: pointer;transition: background 0.15s,transform 0.15s;position: relative;letter-spacing: 0.01em}.calc-callout-btn:hover,.dmp-callout-btn:hover{background: var(--teal-600);color: #ffffff;text-decoration: none;transform: translateY(-1px)}.stats-bar{background: linear-gradient(135deg,var(--navy-950),var(--teal-900));padding: var(--space-2xl) 0;color: white;border-top: 1px solid rgba(255,255,255,0.05);border-bottom: 1px solid rgba(255,255,255,0.05)}.stats-grid{display: grid;grid-template-columns: 1fr 1fr;gap: var(--space-lg);text-align: center}.stat-item{padding: var(--space-md)}.stat-item h3{font-size: clamp(1.75rem,4vw,2.5rem);color: var(--teal-300);margin-bottom: var(--space-xs);font-family: var(--font-serif)}.stat-item p{color: rgba(255,255,255,0.65);font-size: var(--text-sm);margin-bottom: 0;text-transform: uppercase;letter-spacing: 0.05em;font-weight: 500}.site-footer{background: var(--navy-950);color: rgba(255,255,255,0.65);padding: var(--space-4xl) 0 var(--space-xl);border-top: 3px solid var(--teal-600)}.footer-grid{display: grid;grid-template-columns: 1fr;gap: var(--space-2xl);margin-bottom: var(--space-2xl)}.footer-brand .logo{color: white;margin-bottom: var(--space-md)}.footer-brand .logo:hover{color: var(--teal-300)}.footer-brand p{font-size: var(--text-sm);max-width: 320px;line-height: 1.7;color: rgba(255,255,255,0.5)}.footer-section h4{color: white;font-family: var(--font-sans);font-size: var(--text-xs);text-transform: uppercase;letter-spacing: 0.1em;margin-bottom: var(--space-md);font-weight: 700}.footer-section ul{list-style: none}.footer-section li{margin-bottom: 0.5rem}.footer-section a{color: rgba(255,255,255,0.5);font-size: var(--text-sm);transition: color var(--transition-fast);text-decoration: none}.footer-section a:hover{color: var(--teal-300);text-decoration: none}.footer-bottom{border-top: 1px solid rgba(255,255,255,0.08);padding-top: var(--space-xl);text-align: center;font-size: var(--text-xs)}.footer-disclaimer{font-size: 0.6875rem;color: rgba(255,255,255,0.3);max-width: 640px;margin: var(--space-md) auto 0;line-height: 1.65}.section-header{text-align: center;margin-bottom: var(--space-2xl);max-width: 640px;margin-left: auto;margin-right: auto}.section-header h2{margin-bottom: var(--space-sm);border: none;padding: 0}.section-header p{color: var(--color-text-light);max-width: 600px;margin: 0 auto;font-size: 1.05rem;line-height: 1.7}.section-header--left{text-align: left;margin-left: 0;margin-right: 0}.section-header--left p{margin-left: 0}.hero--home{padding: var(--space-3xl) 0 var(--space-2xl);background: linear-gradient(170deg,var(--navy-950) 0%,var(--teal-900) 45%,var(--teal-700) 100%)}.hero--home .hero-home-content{max-width: 680px}.hero-eyebrow{display: inline-block;font-family: var(--font-sans);font-size: var(--text-sm);font-weight: 600;text-transform: uppercase;letter-spacing: 0.08em;color: var(--teal-300);margin-bottom: var(--space-md);padding: 0.35rem 0.85rem;background: rgba(42,157,143,0.15);border-radius: var(--radius-full);border: 1px solid rgba(42,157,143,0.25)}.hero--home h1{font-size: clamp(2rem,5vw,3.25rem);margin-bottom: var(--space-md);line-height: 1.15}.hero-description{font-size: clamp(1rem,2vw,1.15rem);color: rgba(255,255,255,0.75);line-height: 1.75;margin-bottom: var(--space-xl)}.hero-pills{display: flex;flex-wrap: wrap;gap: 0.5rem}.hero-pill{display: inline-block;padding: 0.5rem 1.1rem;border-radius: var(--radius-full);font-size: var(--text-sm);font-weight: 500;font-family: var(--font-sans);background: rgba(255,255,255,0.12);color: white;border: 1px solid rgba(255,255,255,0.2);text-decoration: none;transition: all var(--transition-fast)}.hero-pill:hover{background: rgba(255,255,255,0.22);border-color: rgba(255,255,255,0.35);color: white;text-decoration: none;transform: translateY(-1px)}.hero-pill--outline{background: transparent;border-color: rgba(255,255,255,0.35);color: var(--teal-200)}.hero-pill--outline:hover{background: rgba(255,255,255,0.08);color: white}.featured-grid{display: grid;grid-template-columns: 1fr;gap: var(--space-lg)}.featured-card{display: flex;flex-direction: column;background: white;border-radius: var(--radius-md);border: 1px solid var(--color-border);box-shadow: var(--shadow-card);overflow: hidden;text-decoration: none;color: inherit;transition: all var(--transition-base)}.featured-card:hover{box-shadow: var(--shadow-card-hover);transform: translateY(-3px);border-color: var(--teal-200);color: inherit;text-decoration: none}.featured-card-icon{display: flex;align-items: center;justify-content: center;font-size: 2rem;padding: var(--space-lg) var(--space-xl) 0;width: 64px;height: 64px;margin: var(--space-lg) 0 0 var(--space-xl);background: var(--teal-50);border-radius: var(--radius-md)}.featured-card-body{padding: var(--space-md) var(--space-xl) var(--space-xl)}.featured-card-body h3{font-family: var(--font-serif);font-size: 1.25rem;color: var(--color-heading);margin-bottom: var(--space-sm)}.featured-card-body p{color: var(--color-text);font-size: var(--text-sm);line-height: 1.7;margin-bottom: 0}.featured-card-body .card-link{margin-top: var(--space-md)}.steps-grid{display: grid;grid-template-columns: 1fr;gap: var(--space-lg);counter-reset: steps}.step-card{position: relative;padding: var(--space-xl) var(--space-xl) var(--space-xl) var(--space-xl);background: white;border-radius: var(--radius-md);border: 1px solid var(--color-border);box-shadow: var(--shadow-xs)}.step-number{display: inline-flex;align-items: center;justify-content: center;width: 36px;height: 36px;border-radius: 50%;background: linear-gradient(145deg,var(--teal-500),var(--teal-700));color: white;font-family: var(--font-serif);font-size: 1rem;font-weight: 700;margin-bottom: var(--space-md);box-shadow: 0 2px 4px rgba(13,53,48,0.15)}.step-card h3{font-family: var(--font-serif);font-size: 1.1rem;margin-bottom: var(--space-sm);color: var(--color-heading)}.step-card p{color: var(--color-text);font-size: var(--text-sm);line-height: 1.7;margin-bottom: 0}.trust-grid{display: grid;grid-template-columns: 1fr;gap: var(--space-2xl)}.trust-content h2{border: none;padding: 0;margin-top: 0}.trust-content>p{font-size: 1.05rem;line-height: 1.8;color: var(--color-text);margin-bottom: var(--space-xl)}.trust-list{list-style: none;padding: 0}.trust-list li{padding: var(--space-md) 0;border-bottom: 1px solid var(--color-border-light);display: flex;flex-direction: column;gap: 0.25rem}.trust-list li:last-child{border-bottom: none}.trust-list strong{font-family: var(--font-serif);font-size: 1rem;color: var(--color-heading)}.trust-list span{font-size: var(--text-sm);color: var(--color-text-light);line-height: 1.65}.trust-resources h3{font-family: var(--font-sans);font-size: var(--text-xs);text-transform: uppercase;letter-spacing: 0.1em;color: var(--color-text-light);margin-bottom: var(--space-md);font-weight: 700}.resource-badges{display: grid;grid-template-columns: 1fr 1fr;gap: var(--space-sm)}.resource-badge{display: flex;flex-direction: column;gap: 0.15rem;padding: var(--space-md);background: white;border: 1px solid var(--color-border);border-radius: var(--radius-sm);text-decoration: none;transition: all var(--transition-fast)}.resource-badge:hover{border-color: var(--teal-300);box-shadow: var(--shadow-sm);text-decoration: none}.resource-badge strong{font-family: var(--font-sans);font-size: var(--text-sm);color: var(--color-primary);font-weight: 700}.resource-badge span{font-size: var(--text-xs);color: var(--color-text-light);line-height: 1.4}.card-grid--home{gap: var(--space-lg)}.info-section{background: var(--color-bg-warm);border-top: 1px solid var(--color-border-light);border-bottom: 1px solid var(--color-border-light)}@media (min-width: 640px){.card-grid{grid-template-columns: repeat(2,1fr)}.stats-grid{grid-template-columns: repeat(4,1fr)}.footer-grid{grid-template-columns: 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300px;background: var(--color-primary);top: -80px;right: -60px;animation: heroFloat 8s ease-in-out infinite}.hero-shape--2{width: 200px;height: 200px;background: #4db0a4;bottom: -40px;left: -40px;animation: heroFloat 10s ease-in-out infinite 2s}.hero-shape--3{width: 120px;height: 120px;background: #7ccac0;top: 40%;right: 20%;animation: heroFloat 7s ease-in-out infinite 1s}.hero-shape--4{width: 80px;height: 80px;background: var(--color-primary);bottom: 20%;left: 30%;animation: heroFloat 9s ease-in-out infinite 3s}@keyframes heroFloat{0%,100%{transform: translateY(0) scale(1)}50%{transform: translateY(-20px) scale(1.05)}}.balance-beam{animation: gentleTilt 4s ease-in-out infinite;transform-origin: 200px 194px}@keyframes gentleTilt{0%,100%{transform: rotate(3deg)}50%{transform: rotate(-2deg)}}.debt-block{animation: debtPulse 3s ease-in-out infinite}.debt-block--1{animation-delay: 0s}.debt-block--2{animation-delay: 0.4s}.debt-block--3{animation-delay: 0.8s}@keyframes debtPulse{0%,100%{opacity: 0.6}50%{opacity: 0.35}}.savings-coin{animation: coinGlow 2.5s ease-in-out infinite}.savings-coin--1{animation-delay: 0s}.savings-coin--2{animation-delay: 0.3s}.savings-coin--3{animation-delay: 0.6s}@keyframes coinGlow{0%,100%{opacity: 0.7;filter: brightness(1)}50%{opacity: 0.9;filter: brightness(1.3)}}.float-icon{animation: iconFloat 5s ease-in-out infinite}.float-icon--1{animation-delay: 0s}.float-icon--2{animation-delay: 1.2s}.float-icon--3{animation-delay: 2.4s}.float-icon--4{animation-delay: 3.6s}@keyframes iconFloat{0%,100%{transform: translateY(0)}50%{transform: translateY(-8px)}}.arrow-up{animation: arrowBounceUp 2s ease-in-out infinite}.arrow-down{animation: arrowBounceDown 2s ease-in-out infinite 0.5s}@keyframes arrowBounceUp{0%,100%{transform: translateY(0);opacity: 0.6}50%{transform: translateY(-6px);opacity: 1}}@keyframes arrowBounceDown{0%,100%{transform: translateY(0);opacity: 0.5}50%{transform: translateY(6px);opacity: 0.8}}.animate-on-scroll{opacity: 0;transform: translateY(24px);transition: opacity 0.6s ease-out,transform 0.6s ease-out}.animate-on-scroll.is-visible{opacity: 1;transform: translateY(0)}.featured-grid .animate-on-scroll:nth-child(1){transition-delay: 0s}.featured-grid .animate-on-scroll:nth-child(2){transition-delay: 0.12s}.featured-grid .animate-on-scroll:nth-child(3){transition-delay: 0.24s}.card-grid--home .animate-on-scroll:nth-child(1){transition-delay: 0s}.card-grid--home .animate-on-scroll:nth-child(2){transition-delay: 0.08s}.card-grid--home .animate-on-scroll:nth-child(3){transition-delay: 0.16s}.card-grid--home .animate-on-scroll:nth-child(4){transition-delay: 0.24s}.card-grid--home .animate-on-scroll:nth-child(5){transition-delay: 0.08s}.card-grid--home .animate-on-scroll:nth-child(6){transition-delay: 0.16s}.card-grid--home .animate-on-scroll:nth-child(7){transition-delay: 0.24s}.card-grid--home .animate-on-scroll:nth-child(8){transition-delay: 0.32s}.stat-item h3{transition: opacity 0.4s ease}.stats-bar.is-visible .stat-item{animation: statPop 0.5s ease-out both}.stats-bar.is-visible .stat-item:nth-child(1){animation-delay: 0s}.stats-bar.is-visible .stat-item:nth-child(2){animation-delay: 0.15s}.stats-bar.is-visible .stat-item:nth-child(3){animation-delay: 0.3s}.stats-bar.is-visible .stat-item:nth-child(4){animation-delay: 0.45s}@keyframes statPop{0%{opacity: 0;transform: scale(0.8) translateY(10px)}70%{transform: scale(1.05) translateY(0)}100%{opacity: 1;transform: scale(1) translateY(0)}}.step-card{opacity: 0;transform: translateY(20px);transition: opacity 0.5s ease-out,transform 0.5s ease-out}.steps-grid.is-visible .step-card{opacity: 1;transform: translateY(0)}.steps-grid.is-visible .step-card:nth-child(1){transition-delay: 0s}.steps-grid.is-visible .step-card:nth-child(2){transition-delay: 0.12s}.steps-grid.is-visible .step-card:nth-child(3){transition-delay: 0.24s}.steps-grid.is-visible .step-card:nth-child(4){transition-delay: 0.36s}.review-card{background: var(--color-bg);border: 1px solid var(--gray-200);border-radius: 10px;padding: 2rem;margin-bottom: 2rem;box-shadow: 0 2px 8px rgba(0,0,0,0.06);transition: box-shadow 0.3s ease}.review-card:hover{box-shadow: 0 4px 16px rgba(0,0,0,0.1)}.review-header{display: flex;align-items: center;justify-content: space-between;flex-wrap: wrap;gap: 0.75rem;margin-bottom: 1.25rem;padding-bottom: 1rem;border-bottom: 1px solid var(--gray-200)}.review-header h3{margin: 0;font-size: 1.35rem;color: var(--navy-950)}.review-badge{display: inline-block;font-size: 0.8rem;font-weight: 700;padding: 0.3em 0.85em;border-radius: 20px;white-space: nowrap;letter-spacing: 0.02em}.review-badge--green{background: var(--green-100);color: var(--green-700);border: 1px solid var(--green-300)}.review-badge--yellow{background: #fef3c7;color: #92400e;border: 1px solid #fcd34d}.review-badge--red{background: #fee2e2;color: #991b1b;border: 1px solid #fca5a5}.review-facts{display: grid;grid-template-columns: repeat(auto-fit,minmax(200px,1fr));gap: 0.6rem 1.5rem;background: var(--gray-50);border-radius: 8px;padding: 1rem 1.25rem;margin-bottom: 1.25rem;font-size: 0.92rem}.review-fact{color: var(--color-text);line-height: 1.5}.review-fact strong{color: var(--navy-800)}.review-body{margin-bottom: 1.25rem}.review-body p{margin-bottom: 0.75rem;line-height: 1.7}.review-body p:last-child{margin-bottom: 0}.review-pros-cons{display: grid;grid-template-columns: 1fr 1fr;gap: 1.5rem;margin-bottom: 1.25rem}.review-pros,.review-cons{padding: 1.25rem;border-radius: 8px}.review-pros{background: var(--green-50);border-left: 3px solid var(--green-500)}.review-cons{background: #fef2f2;border-left: 3px solid #ef4444}.review-pros h4,.review-cons h4{margin: 0 0 0.6rem 0;font-size: 0.95rem;font-weight: 700;text-transform: uppercase;letter-spacing: 0.05em}.review-pros h4{color: var(--green-700)}.review-cons h4{color: #991b1b}.review-pros ul,.review-cons ul{list-style: none;padding: 0;margin: 0}.review-pros li,.review-cons li{position: relative;padding-left: 1.4em;margin-bottom: 0.4rem;font-size: 0.92rem;line-height: 1.5}.review-pros li::before{content: "+";position: absolute;left: 0;font-weight: 700;color: var(--green-500)}.review-cons li::before{content: "\2212";position: absolute;left: 0;font-weight: 700;color: #ef4444}.review-sources{font-size: 0.85rem;color: var(--color-text-light);margin-bottom: 0;padding-top: 0.5rem;border-top: 1px solid var(--gray-100)}.review-sources a{color: var(--color-primary);text-decoration: underline;text-decoration-color: transparent;transition: text-decoration-color 0.2s ease}.review-sources a:hover{text-decoration-color: var(--color-primary)}.review-logo{width: 120px;height: 60px;border-radius: var(--radius-sm);border: 2px dashed var(--gray-300);display: flex;align-items: center;justify-content: center;font-size: 0.7rem;color: var(--color-text-light);text-transform: uppercase;letter-spacing: 0.05em;background: var(--gray-50);flex-shrink: 0}.review-logo.has-logo{background: #ffffff;border: 1px solid var(--gray-200);padding: 4px}.review-logo img{width: 100%;height: 100%;object-fit: contain;border-radius: var(--radius-sm)}.review-header-left{display: flex;align-items: center;gap: 1rem}.review-cta{display: inline-flex;align-items: center;gap: 0.4rem;margin-top: 0.75rem;padding: 0.6rem 1.25rem;font-size: 0.9rem;font-weight: 600;color: white !important;background: var(--navy-950);border-radius: var(--radius-sm);text-decoration: none !important;transition: all var(--transition-fast)}.review-cta:hover{background: var(--color-primary);color: white !important;text-decoration: none !important;transform: translateY(-1px);box-shadow: 0 2px 8px rgba(42,157,143,0.3)}.review-cta::after{content: ">";font-weight: 700}.review-page-hero{background: linear-gradient(135deg,var(--navy-950),var(--teal-900));padding: var(--space-2xl) 0;color: white}.review-page-hero .container{display: flex;align-items: center;gap: var(--space-lg);flex-wrap: wrap}.review-page-hero-logo{width: 160px;height: 80px;border-radius: var(--radius-md);border: 2px dashed rgba(255,255,255,0.3);display: flex;align-items: center;justify-content: center;font-size: 0.75rem;color: rgba(255,255,255,0.5);text-transform: uppercase;letter-spacing: 0.05em;background: rgba(255,255,255,0.05);flex-shrink: 0}.review-page-hero-logo.has-logo{background: #ffffff;border: none;padding: 8px}.review-page-hero-logo img{width: 100%;height: 100%;object-fit: contain;border-radius: var(--radius-md)}.review-page-hero h1{font-size: clamp(1.5rem,3.5vw,2.2rem);margin-bottom: var(--space-xs);color: white}.review-page-hero .review-badge{font-size: 0.85rem}.review-detail-section{margin-bottom: var(--space-xl)}.review-detail-section h2{font-size: 1.4rem;color: var(--navy-950);margin-bottom: var(--space-md);padding-bottom: var(--space-xs);border-bottom: 2px solid var(--teal-200)}.review-detail-section h3{font-size: 1.15rem;color: var(--navy-800);margin-bottom: var(--space-sm)}.review-detail-grid{display: grid;grid-template-columns: repeat(auto-fit,minmax(220px,1fr));gap: 1rem;margin-bottom: var(--space-md)}.review-detail-stat{background: var(--gray-50);border-radius: var(--radius-sm);padding: 1rem 1.25rem;border-left: 3px solid var(--teal-400)}.review-detail-stat .label{font-size: 0.8rem;text-transform: uppercase;letter-spacing: 0.05em;color: var(--color-text-light);margin-bottom: 0.25rem}.review-detail-stat .value{font-size: 1.1rem;font-weight: 700;color: var(--navy-950)}.review-breadcrumb{font-size: var(--text-sm);color: rgba(255,255,255,0.6);margin-bottom: var(--space-sm)}.review-breadcrumb a{color: var(--teal-300);text-decoration: none}.review-breadcrumb a:hover{text-decoration: underline}.review-comparison-table{width: 100%;border-collapse: collapse;margin-bottom: var(--space-md);font-size: 0.92rem}.review-comparison-table th,.review-comparison-table td{padding: 0.75rem 1rem;text-align: left;border-bottom: 1px solid var(--gray-200)}.review-comparison-table th{background: var(--gray-50);font-weight: 600;color: var(--navy-800);font-size: 0.85rem;text-transform: uppercase;letter-spacing: 0.03em}.review-comparison-table tr:hover td{background: var(--teal-50)}.faq-item{padding: 1.5rem 0;border-bottom: 1px solid var(--gray-200)}.faq-item:first-child{padding-top: 0}.faq-item:last-child{border-bottom: none}.faq-item h3{font-size: 1.1rem;color: var(--navy-950);margin: 0 0 0.6rem 0}.faq-item p{margin: 0;line-height: 1.7}@media (max-width: 640px){.review-card{padding: 1.25rem}.review-header{flex-direction: column;align-items: flex-start}.review-facts{grid-template-columns: 1fr}.review-pros-cons{grid-template-columns: 1fr;gap: 1rem}}@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration: 0.01ms !important;transition-duration: 0.01ms !important}html{scroll-behavior: auto}}.category-pills{margin-bottom: var(--space-2xl)}.category-pills-header{display: flex;justify-content: space-between;align-items: baseline;margin-bottom: var(--space-md);gap: var(--space-md);flex-wrap: wrap}.category-pills-header h2{font-size: 1.15rem;margin: 0;color: var(--navy-950)}.category-pills-header .pill-count{color: var(--neutral-500);font-size: 0.9rem;font-weight: 400}.category-pills-grid{display: grid;grid-template-columns: repeat(4,1fr);gap: var(--space-sm)}.category-pill{display: flex;flex-direction: column;align-items: flex-start;justify-content: center;gap: 0.15rem;padding: 0.85rem 1rem;background: white;border: 1.5px solid var(--neutral-200);border-radius: var(--radius-md);color: var(--navy-950);text-decoration: none;font-weight: 600;font-size: 0.92rem;line-height: 1.25;transition: all 0.18s ease;min-height: 64px;text-align: left;position: relative}.category-pill:hover,.category-pill:focus-visible{border-color: var(--teal-500);background: var(--teal-50,#f0fdfa);color: var(--teal-700,#0f766e);transform: translateY(-1px);box-shadow: 0 4px 8px rgba(20,184,166,0.12);outline: none}.category-pill .pill-label{display: block;font-weight: 600}.category-pill .pill-meta{display: block;color: var(--neutral-500);font-size: 0.78rem;font-weight: 500}.category-pill:hover .pill-meta,.category-pill:focus-visible .pill-meta{color: var(--teal-600,#0d9488)}.category-pills-grid .category-pill.is-hidden{display: none}.category-pills-grid.is-expanded .category-pill.is-hidden{display: flex;animation: pillFadeIn 0.25s ease-out}@keyframes pillFadeIn{from{opacity: 0;transform: translateY(-4px)}to{opacity: 1;transform: translateY(0)}}.category-pills-toggle{display: inline-flex;align-items: center;gap: 0.4rem;margin-top: var(--space-md);padding: 0.6rem 1rem;background: white;border: 1.5px solid var(--neutral-200);border-radius: var(--radius-md);color: var(--navy-950);font-weight: 600;font-size: 0.9rem;cursor: pointer;transition: all 0.18s ease;font-family: inherit}.category-pills-toggle:hover,.category-pills-toggle:focus-visible{border-color: var(--teal-500);color: var(--teal-700,#0f766e);background: var(--teal-50,#f0fdfa);outline: none}.category-pills-toggle .toggle-arrow{transition: transform 0.2s ease;font-size: 0.85rem}.category-pills-toggle[aria-expanded="true"] .toggle-arrow{transform: rotate(180deg)}.category-pills-toggle[aria-expanded="true"] .toggle-text-collapsed,.category-pills-toggle[aria-expanded="false"] .toggle-text-expanded{display: none}@media (max-width: 900px){.category-pills-grid{grid-template-columns: repeat(3,1fr)}}@media (max-width: 640px){.category-pills-grid{grid-template-columns: repeat(2,1fr)}.category-pill{padding: 0.75rem 0.85rem;min-height: 60px;font-size: 0.88rem}.category-pills-header h2{font-size: 1.05rem}}.answers-box{margin: var(--space-xl) 0;padding: var(--space-lg) var(--space-lg);background: linear-gradient(135deg,var(--teal-50,#f0fdfa) 0%,white 70%);border: 1.5px solid var(--teal-100,#ccfbf1);border-left: 4px solid var(--teal-500);border-radius: var(--radius-lg)}.answers-box-header{display: flex;align-items: center;gap: 0.6rem;margin-bottom: var(--space-sm)}.answers-box-header h3{margin: 0;font-size: 1.2rem;color: var(--navy-950)}.answers-box-icon{font-size: 1.4rem;line-height: 1}.answers-box-intro{margin: 0 0 var(--space-md) 0;color: var(--neutral-600);font-size: 0.95rem}.answers-box-grid{display: grid;grid-template-columns: repeat(2,1fr);gap: var(--space-sm)}.answers-box-item{display: flex;align-items: flex-start;gap: 0.5rem;padding: 0.75rem 0.9rem;background: white;border: 1px solid var(--neutral-200);border-radius: var(--radius-md);text-decoration: none;color: var(--navy-950);font-size: 0.92rem;font-weight: 500;line-height: 1.35;transition: all 0.18s ease}.answers-box-item:hover,.answers-box-item:focus-visible{border-color: var(--teal-500);background: var(--teal-50,#f0fdfa);color: var(--teal-700,#0f766e);transform: translateX(2px);outline: none}.answers-box-item .answers-arrow{flex-shrink: 0;margin-top: 0.15rem;color: var(--teal-500);font-weight: 700}.answers-box-cta{margin-top: var(--space-md);text-align: center}.answers-box-cta a{display: inline-flex;align-items: center;gap: 0.4rem;color: var(--teal-700,#0f766e);font-weight: 600;font-size: 0.92rem;text-decoration: none}.answers-box-cta a:hover{text-decoration: underline}.sources-section{margin-top: var(--space-2xl);padding-top: var(--space-lg);border-top: 2px solid var(--neutral-200)}.sources-section h2{font-size: 1.25rem;margin-bottom: var(--space-md);color: var(--navy-950)}.sources-section .sources-intro{font-size: 0.9rem;color: var(--neutral-600);margin-bottom: var(--space-md)}.sources-list{list-style: none;padding: 0;margin: 0;display: grid;gap: 0.5rem}.sources-list li{font-size: 0.88rem;line-height: 1.5;padding: 0.4rem 0;border-bottom: 1px solid var(--neutral-100,#f5f5f5)}.sources-list li:last-child{border-bottom: none}.sources-list a{color: var(--teal-700,#0f766e);word-break: break-word}@media (max-width: 640px){.answers-box-grid{grid-template-columns: 1fr}.answers-box{padding: var(--space-md)}}.cfpb-complaint-analysis{margin: 2.5rem 0;padding: var(--space-lg);border: 1px solid var(--gray-200);border-left: 4px solid var(--teal-700,#0f766e);border-radius: 8px;background: var(--gray-50,#fafafa)}.cfpb-complaint-analysis>h2{margin-top: 0;font-size: 1.4rem;line-height: 1.25}.cfpb-summary{font-size: 1rem;line-height: 1.6;margin-bottom: 1.25rem}.cfpb-grid{display: grid;grid-template-columns: 1fr 1fr;gap: 1rem;margin: 1rem 0 1.5rem}.cfpb-card{background: #fff;border: 1px solid var(--gray-200);border-radius: 6px;padding: 1rem 1.25rem}.cfpb-card h3{margin: 0 0 0.6rem;font-size: 1rem;color: var(--teal-700,#0f766e)}.cfpb-card ul{margin: 0;padding-left: 1.1rem;font-size: 0.95rem;line-height: 1.55}.cfpb-narratives h3,.cfpb-takeaway h3{font-size: 1.05rem;margin-top: 1.25rem;margin-bottom: 0.5rem}.cfpb-narrative{background: #fff;border-left: 3px solid var(--gray-300,#d4d4d4);margin: 0.75rem 0;padding: 0.85rem 1rem;font-size: 0.95rem;line-height: 1.55}.cfpb-narrative p{margin: 0 0 0.45rem;font-style: italic}.cfpb-narrative cite{font-size: 0.82rem;font-style: normal;color: var(--gray-600,#525252)}.cfpb-takeaway{background: #fff;border-radius: 6px;padding: 1rem 1.25rem;margin-top: 1rem;border: 1px solid var(--gray-200)}.cfpb-takeaway p{margin: 0;font-size: 0.97rem;line-height: 1.62}.cfpb-source{font-size: 0.82rem;color: var(--gray-600,#525252);margin-top: 1.25rem;margin-bottom: 0}.cfpb-source a{color: var(--teal-700,#0f766e)}@media (max-width: 640px){.cfpb-grid{grid-template-columns: 1fr}}.our-take{margin: 2.5rem 0;padding: var(--space-lg);background: linear-gradient(135deg,#f0fdfa 0%,#fafafa 100%);border: 1px solid var(--gray-200);border-left: 4px solid var(--teal-700,#0f766e);border-radius: 8px}.our-take>h2{margin-top: 0;font-size: 1.25rem;color: var(--teal-800,#115e59);line-height: 1.3}.our-take-body{font-size: 1rem;line-height: 1.62;margin: 0.75rem 0}.our-take-meta{font-size: 0.82rem;color: var(--gray-600,#525252);margin-top: 1rem;margin-bottom: 0;font-style: italic}.data-freshness{margin: 2rem 0 1.5rem;padding: 1rem 1.25rem;background: var(--gray-50,#fafafa);border: 1px solid var(--gray-200);border-radius: 6px;font-size: 0.88rem;line-height: 1.55;color: var(--gray-700,#404040);grid-column: 1 / -1}.data-freshness p{margin: 0}.data-freshness strong{color: var(--gray-900,#171717)}