.vc{margin-top:40px}.vcard{display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit}.vcard p{color:var(--body);font-size:15px;line-height:1.5}.vcard .vs{color:var(--slate);font-size:14px}.vcard .more{margin-top:auto;padding-top:8px;font-weight:600;color:var(--ink)}.vcard:hover{border-color:var(--ink)}
.chip.mute{color:var(--slate)}
.pfg{margin-top:36px}.pf .pfm{font-family:var(--serif);font-size:clamp(32px,4vw,46px);line-height:1;letter-spacing:-.02em;margin:14px 0 6px;color:var(--ink)}.pf p{font-size:15px;line-height:1.55;color:var(--body);margin-top:8px}
.b4{margin-top:32px}.blk ul{list-style:none;margin:12px 0 0;padding:0}.blk li{padding:8px 0;border-top:1px solid var(--stone);font-size:15px;line-height:1.5;color:var(--body)}.blk li:first-child{border-top:0}
.vgl{margin:32px 0 28px;max-width:520px}.vn2{margin-top:14px;font-size:14px;color:var(--slate);max-width:70ch;line-height:1.55}
.viz{max-width:760px}.chart svg{min-width:760px}
.vcard,.vcard *{text-decoration:none!important}.vcard .more{text-decoration:none}.vcard .kv span:last-child{font-size:11px}
.pf .chip{margin-bottom:0}
@media (min-width:900px){.nl a{white-space:nowrap}.nl{gap:0 22px}}
.dd{position:relative}.dd-m a{display:block}
@media (min-width:900px){.nl a,.dd-t{white-space:nowrap}.nl{gap:0 18px;font-size:14.5px}
 .dd-t:after{content:" \25BE"}.dd-m{display:none;position:absolute;left:-14px;top:100%;min-width:170px;background:var(--paper);border:1px solid var(--stone);padding:8px 0;box-shadow:0 12px 24px rgba(11,27,43,.08);z-index:20}
 .dd:hover .dd-m,.dd:focus-within .dd-m{display:block}.dd-m a{padding:8px 16px}}
@media (max-width:899px){.dd-m{padding-left:16px}}
.faq{border-top:1px solid #D5CEBF;padding:14px 0}.faq summary{cursor:pointer;font-weight:700;font-size:17px;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";float:right;color:#8A5410}.faq[open] summary::after{content:"-"}.faq p{margin:10px 0 0;max-width:68ch}
.dd-m a{display:grid!important;grid-template-columns:1fr;gap:2px;align-items:center;padding:14px 20px!important;text-decoration:none}.dd-m a i{width:14px;height:14px;border-radius:3px;grid-row:1/3}.dd-m a b{font-size:16px;color:var(--ink)}.dd-m a span{font-size:14px;color:var(--body);white-space:nowrap}.dd-m a:hover{background:#EFEBE0}
@media (min-width:900px){.dd-m{min-width:380px;border-radius:10px}}
@media (min-width:1280px) and (max-width:1340px){.nl{gap:0 12px!important;font-size:12.6px!important}.nl-apply{padding-left:14px!important;padding-right:14px!important}}
.ft2 .legal{max-width:none!important;font-family:var(--mono);font-size:12px;line-height:1.7}.ft2 .disc-s{margin-top:24px!important;font-family:var(--mono);font-size:10.5px!important;line-height:1.6!important;color:var(--mist)}.ft2 .disc-l{display:none!important}.ft2 .disc-s{max-width:none!important}

.nl-lang .dis,.ft-lang .dis{display:inline-block;padding:6px 2px;color:#8794A3;cursor:default}
.nl .nl-disc{margin:0;padding-top:16px;border-top:1px solid var(--stone)}.nl .nl-disc p{margin:0;font-family:var(--mono);font-size:12px;line-height:1.7;color:var(--slate)}.nl .nl-disc p+p{margin-top:24px;font-size:10.5px;line-height:1.6}.nl .nl-space{flex:0 0 auto;min-height:72px}.nl .dd{width:100%}@media (min-width:1280px){.nl .nl-m{display:none!important}}@media (min-width:700px) and (max-width:1099px){.g4{grid-template-columns:repeat(2,minmax(0,1fr))!important}}.g4 .h3,.g4 b{overflow-wrap:anywhere}.nl .dd-t{display:block!important;width:100%}
.apply-grid>div{min-width:0}.apply-grid .lead{max-width:none!important;font-size:clamp(16px,1.1vw + 11px,20px);line-height:1.6}.apply-grid .mail{font-family:inherit;font-size:clamp(15px,.4vw + 13px,17px);line-height:1.6;max-width:none}.apply-grid .fine{font-family:inherit;font-size:clamp(13px,.3vw + 11.5px,15px);line-height:1.6;letter-spacing:0;max-width:none}.af .note{overflow-wrap:anywhere}
@media (max-width:899px){.nl .dd-t,.nl .dd-t:focus,.nl .dd-t:focus-visible{outline:0!important;box-shadow:none!important}.nl .dd-t:focus-visible{background:#EFEBE0}.dd-m{padding-left:0!important;margin-bottom:6px}.dd-m a{padding:5px 0 5px 16px!important;border-bottom:0!important}.dd-m a b{font-size:15px}.dd-m a span{font-size:13px;white-space:normal}}@media (max-width:819px){.tbl.stack{margin-top:12px}.tbl.stack thead{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.tbl.stack tbody,.tbl.stack tr{display:block}.tbl.stack tr{padding:16px 0;border-bottom:1px solid var(--stone)}.tbl.stack tr.tot{border-bottom:2px solid var(--ink)}.tbl.stack td{display:grid;grid-template-columns:minmax(96px,36%) minmax(0,1fr);gap:4px 14px;padding:5px 0;border:0;text-align:left!important;white-space:normal!important;font-size:15px;line-height:1.55;overflow-wrap:anywhere}.tbl.stack td::before{content:attr(data-label);font-family:var(--mono);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--slate);padding-top:3px}.tbl.stack td:first-child{display:block;font-size:18px;padding-bottom:6px}.tbl.stack td:first-child::before{display:none}.tbl.stack td:empty,.tbl.stack td.hide-sm{display:none}.tbl.stack td.r{font-family:var(--mono)}.tblwrap{overflow-x:visible}}

#apply h2.h2{text-transform:uppercase;letter-spacing:.01em;max-width:none!important;font-size:clamp(28px,5.4vw,50px)!important;overflow-wrap:break-word}
.tbl td,.tbl th{overflow-wrap:anywhere;word-break:normal}.tbl{max-width:100%}
@media (max-width:480px){.tbl td,.tbl th{padding-left:10px;padding-right:10px}}
/* v15: steps flow as responsive cards (no clipped SVG text in any language) */
.flow{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:26px}
.flow li{position:relative;min-width:0;background:#FBFAF6;border:1px solid #D5CEBF;padding:16px 16px 18px}
.flow li.hi{border:2px solid #D98E2B;padding:15px 15px 17px}
.flow .n{display:block;font-family:var(--mono);font-size:13px;color:#8A5410;margin-bottom:8px}
.flow b{display:block;font-size:17px;line-height:1.25;color:var(--ink);margin-bottom:6px;overflow-wrap:break-word;hyphens:auto}
.flow p{margin:0;font-size:14.5px;line-height:1.5;color:#2E3E4E;overflow-wrap:break-word}
.flow li:not(:last-child)::after{content:"\2193";position:absolute;left:50%;bottom:-23px;transform:translateX(-50%);font-size:18px;line-height:1;color:var(--ink)}
@media (min-width:640px) and (max-width:1099px){.flow{grid-template-columns:repeat(2,minmax(0,1fr));gap:26px 30px}.flow li:not(:last-child)::after{content:"\2192";left:auto;right:-24px;bottom:auto;top:50%;transform:translateY(-50%)}.flow li:nth-child(2n)::after{content:"\2193";right:auto;left:50%;bottom:-23px;top:auto;transform:translateX(-50%)}.flow li:last-child{grid-column:1/-1}}
@media (min-width:1100px){.flow{grid-template-columns:repeat(5,minmax(0,1fr));gap:30px}.flow li:not(:last-child)::after{content:"\2192";left:auto;right:-24px;bottom:auto;top:50%;transform:translateY(-50%)}}
/* v15: paragraphs fill the container (hero subs, leads, inline max-width overrides) */
@media (max-width:1099px){main p,main .lead,main .hero p{max-width:none!important}}
@media (min-width:1100px){main .lead,main .hero p{max-width:min(100%,86ch)!important}}
/* v15: main CTAs in capitals; header button switches to the short label where space is tight */
.btn.p,.nb,.nl-apply,.af button[type=submit]{text-transform:uppercase;letter-spacing:.06em}
.nb .cs{display:none}
@media (max-width:639px),(min-width:1280px) and (max-width:1499px){.nb .cl{display:none}.nb .cs{display:inline}}
.btn.p{white-space:normal;text-align:center;line-height:1.3;padding-top:12px;padding-bottom:12px}
/* v15: no focus frame on the strategies row in the overlay menu (mouse and touch); keyboard gets a soft highlight */
@media (max-width:1279px){.nl .dd-t,.nl .dd-t:focus,.nl .dd-t:focus-visible,.nl .dd-t:active{outline:0!important;box-shadow:none!important}.nl .dd-t:focus-visible{background:#EFEBE0}}
/* v15: page FAQ */
#page-faq .faq p{max-width:none}