:root {
  --cd-navy: #1a2744;
  --cd-green: #1fa06d;
  --cd-blue: #0f52a0;
  --cd-blue-light: #1a6ecf;
  --cd-gold: #c8960c;
  --cd-gold-light: #f0b429;
  --cd-red: #b91c1c;
  --cd-gray-50: #f8f9fa;
  --cd-gray-100: #f1f3f5;
  --cd-gray-200: #e9ecef;
  --cd-gray-600: #4a5568;
  --cd-gray-700: #374151;
  --cd-gray-900: #000000;
  --cd-white: #ffffff;
  --cd-font-main:
    "Nunito Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --cd-font-sans:
    "Nunito Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --cd-radius: 6px;
  --cd-shadow: 0 2px 12px rgba(0, 0, 0, 0.09);
  --cd-shadow-md: 0 4px 20px rgba(0, 0, 0, 0.13);
}

@import url("https://fonts.googleapis.com/css2?display=swap&family=Nunito+Sans:wght@400;600;700;800&display=swap");

.cd-page-wrap {
  max-width: 100% !important;
  margin: 0 auto;
  padding: 0 40px !important;
  font-family: "Nunito Sans", sans-serif;
  font-size: 20px;
  font-weight: 400;
  line-height: 1.8;
  color: var(--cd-gray-900);
}

/* BYLINE */
.cd-byline {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 0 24px;
  border-bottom: 1px solid var(--cd-gray-200);
  margin-bottom: 32px;
  font-family: var(--cd-font-sans);
}

.cd-byline img,
.cd-byline-photo {
  border-radius: 50% !important;
  border: 2px solid var(--cd-blue) !important;
  flex-shrink: 0;
  width: 64px;
  height: 64px !important;
  object-fit: cover;
}

.cd-byline-info {
  font-size: 15px;
  color: #000000;
  line-height: 1.5;
  font-family: var(--cd-font-sans);
}

.cd-byline-name {
  font-size: clamp(9px, 2.5vw, 13px) !important;
  font-weight: 700;
  font-size: 20px;
  color: var(--cd-green);
  display: block;
}

.cd-byline-name a {
  color: var(--cd-green) !important;
  text-decoration: none;
}

.cd-byline-title {
  font-size: clamp(9px, 2.3vw, 12px) !important;
  font-weight: 700 !important;
  font-size: 15px;
  color: #000000 !important;
}

.cd-byline-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 6px;
}

.cd-byline-badge {
  background: var(--cd-gray-100);
  border: 1px solid var(--cd-gray-200);
  border-radius: 3px;
  padding: 4px 10px;
  font-size: 13px;
  font-weight: 700;
  color: #000000 !important;
  text-decoration: none !important;
  font-family: var(--cd-font-sans);
  white-space: nowrap;
}

.cd-last-updated-bar {
  font-family: var(--cd-font-sans);
  font-size: 11px;
  color: #4a5568;
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.cd-last-updated-bar svg {
  flex-shrink: 0;
}

.cd-last-updated-bar span {
  font-size: 11px !important;
}

.cd-last-updated-label {
  color: #000000 !important;
  font-size: 11px !important;
  font-weight: 400 !important;
}

/* MOBILE: compact byline  -  hide badges, keep photo + name/title in one tight row */
@media (max-width: 767px) {
  .cd-toc div[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 0 !important;
  }

  .cd-page-wrap {
    padding: 0 16px !important;
    font-size: 18px !important;
  }

  .cd-page-wrap p,
  .cd-page-wrap li,
  .cd-page-wrap td,
  .cd-page-wrap span,
  .cd-page-wrap blockquote,
  .cd-page-wrap div,
  .cd-snippet,
  .cd-section-answer,
  .cd-faq-body,
  .cd-faq-answer {
    font-size: 18px !important;
    line-height: 1.7 !important;
  }

  /* Force Last Updated small  -  must come after .cd-page-wrap span/div rules */
  .cd-last-updated-bar {
    font-size: 11px !important;
  }

  .cd-last-updated-bar *,
  .cd-last-updated-bar span,
  .cd-last-updated-bar strong {
    font-size: 11px !important;
    font-weight: 400 !important;
  }

  .cd-last-updated {
    font-size: 11px !important;
  }

  .cd-last-updated *,
  .cd-last-updated span,
  .cd-last-updated strong {
    font-size: 11px !important;
    font-weight: 400 !important;
  }

  .cd-byline {
    display: flex !important;
    flex-direction: row !important;
    align-items: center !important;
    flex-wrap: nowrap !important;
    padding: 6px 0 8px;
    margin-bottom: 8px;
    gap: 8px;
  }

  .cd-byline img,
  .cd-byline-photo {
    width: 32px;
    height: 32px;
    flex-shrink: 0;
  }

  .cd-byline-info {
    display: flex !important;
    flex-direction: column !important;
    justify-content: center !important;
    gap: 1px;
    line-height: 1.2;
  }

  .cd-byline-name {
    font-size: 12px;
    display: block;
  }

  .cd-byline-title {
    font-size: 9px !important;
    color: #000000 !important;
    display: block;
  }

  .cd-byline-badges {
    display: none;
  }

  .cd-page-wrap h1 {
    font-size: 24px !important;
    font-weight: 700 !important;
    line-height: 1.25 !important;
  }

  .cd-snippet-lead {
    font-weight: 400 !important;
  }

  .cd-last-updated-bar,
  .cd-last-updated-bar span,
  .cd-last-updated-bar strong,
  .cd-last-updated-bar * {
    font-size: 11px !important;
    font-weight: 400 !important;
  }

  .cd-last-updated-label {
    font-weight: 400 !important;
  }

  .cd-last-updated,
  .cd-last-updated span,
  .cd-last-updated strong,
  .cd-last-updated * {
    font-size: 11px !important;
    font-weight: 400 !important;
  }

  /* Disclaimer text  -  half size on mobile */
  .cd-page-wrap .cd-cta-lawfirm-disc,
  p.cd-cta-lawfirm-disc {
    font-size: 10px !important;
    line-height: 1.5 !important;
  }

  /* TOC  -  smaller text on mobile only */
  .cd-page-wrap .cd-toc h2,
  .cd-page-wrap .cd-toc h4 {
    font-size: 17px !important;
  }

  .cd-page-wrap .cd-toc li {
    font-size: 17px !important;
  }

  .cd-page-wrap .cd-toc a {
    font-size: 17px !important;
    line-height: 1.4 !important;
  }

  .cd-page-wrap .cd-toc a::before {
    font-size: 17px !important;
  }
}

.cd-toc {
  background: #ffffff !important;
  border: 2px solid var(--cd-green) !important;
  border-radius: var(--cd-radius) !important;
  padding: 20px 24px 4px 24px !important;
  margin: 40px 0 40px !important;
  font-family: var(--cd-font-sans) !important;
}

.cd-toc h2,
.cd-toc h4 {
  font-size: 20px !important;
  font-weight: 700 !important;
  text-transform: none !important;
  letter-spacing: 0 !important;
  color: var(--cd-green) !important;
  margin: 0 0 16px !important;
  border: none !important;
  padding: 0 !important;
}

.cd-toc ol,
.cd-toc ul {
  margin: 0 !important;
  padding-left: 0 !important;
  list-style: none !important;
}

.cd-toc li {
  font-size: 20px !important;
  border-bottom: none !important;
  padding: 6px 0 !important;
  margin: 0 !important;
  list-style: none !important;
  list-style-type: none !important;
}

.cd-toc li::before {
  content: none !important;
  display: none !important;
}

.cd-toc li::marker {
  content: none !important;
  display: none !important;
}

.cd-toc li:last-child {
  border-bottom: none !important;
  padding-bottom: 10px !important;
}

.cd-toc a {
  color: var(--cd-blue) !important;
  text-decoration: none !important;
  display: flex !important;
  align-items: flex-start !important;
  gap: 12px !important;
  font-size: 20px !important;
  font-weight: 400 !important;
  line-height: 1.4 !important;
}

.cd-toc a::before {
  content: "→" !important;
  color: var(--cd-green) !important;
  font-weight: 700 !important;
  flex-shrink: 0 !important;
  font-size: 20px !important;
  margin-top: 1px !important;
}

.cd-toc a:hover {
  color: var(--cd-green) !important;
  text-decoration: none !important;
}

/* H1 */
.cd-page-wrap h1,
.cd-h1 {
  font-size: 35px;
  font-weight: 700;
  font-family: "Nunito Sans", sans-serif;
  line-height: 1.3;
  color: #000000;
  margin: 0 0 20px;
}

/* HEADINGS */
.cd-page-wrap h2 {
  font-size: 25px;
  font-weight: 700;
  font-family: "Nunito Sans", sans-serif;
  color: #000000;
  margin: 52px 0 14px;
  padding-top: 8px;
  border-top: 3px solid var(--cd-gold);
}

.cd-page-wrap h3 {
  font-size: 21.5px;
  font-weight: 700;
  font-family: "Nunito Sans", sans-serif;
  color: #000000;
  margin: 28px 0 10px;
}

/* PROTIP */
.cd-protip {
  background: #fffbeb !important;
  border: 1px solid #f0b429 !important;
  border-left: 5px solid var(--cd-gold) !important;
  border-radius: var(--cd-radius) !important;
  padding: 20px 24px !important;
  margin: 28px 0 !important;
  font-size: 20px !important;
  line-height: 1.7 !important;
  color: #000000 !important;
}

.cd-protip * {
  color: #000000 !important;
}

.cd-protip-label {
  display: block !important;
  font-family: var(--cd-font-sans) !important;
  font-size: 15px !important;
  font-weight: 700 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.05em !important;
  color: #000000 !important;
  margin-bottom: 8px !important;
}

/* CALLOUT */
.cd-callout {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: var(--cd-radius);
  padding: 20px 24px;
  margin: 28px 0;
  font-size: 20px;
  line-height: 1.7;
  color: #000000;
}

/* Q&A */
.cd-qa {
  border-top: 1px solid var(--cd-gray-200);
  padding-top: 22px;
  margin-top: 22px;
}

.cd-qa-item {
  border-bottom: 1px solid var(--cd-gray-200);
  padding: 20px 0;
}

.cd-qa-q {
  font-weight: 700;
  font-style: italic;
  color: var(--cd-green);
  margin-bottom: 10px;
  font-size: 20px;
}

.cd-qa-a {
  color: #000000;
  font-size: 20px;
  line-height: 1.7;
}

/* TABLE */
.cd-table-wrap {
  overflow-x: auto;
  margin: 28px 0;
  -webkit-overflow-scrolling: touch;
}

.cd-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--cd-font-sans);
  font-size: 20px;
  min-width: 580px;
}

.cd-table thead th {
  background: var(--cd-navy);
  color: var(--cd-white);
  text-align: left;
  padding: 11px 14px;
  font-weight: 700;
  font-size: 20px;
}

.cd-table tbody tr:nth-child(even) {
  background: var(--cd-gray-50);
}

.cd-table tbody td {
  padding: 11px 14px;
  border-bottom: 1px solid var(--cd-gray-200);
  vertical-align: top;
  line-height: 1.5;
  color: #000000 !important;
}

.cd-table td:first-child {
  font-weight: 700;
  color: var(--cd-green);
}

.cd-check {
  color: #000000;
  font-weight: 700;
}

.cd-x {
  color: #000000;
  font-weight: 700;
}

.cd-partial {
  color: #000000;
  font-weight: 700;
}

/* CTA */
.cd-cta {
  background: linear-gradient(135deg, var(--cd-navy) 0%, #0f3460 100%);
  color: var(--cd-white);
  border-radius: 10px;
  padding: 36px 40px;
  margin: 44px 0;
  text-align: center;
  box-shadow: var(--cd-shadow-md);
}

.cd-cta h3 {
  font-size: 22px;
  color: var(--cd-white);
  margin: 0 0 10px;
  border: none !important;
  padding: 0 !important;
}

.cd-cta p {
  font-family: var(--cd-font-sans);
  font-size: 20px;
  color: #ffffff;
  margin: 0 0 22px;
  line-height: 1.6;
}

.cd-cta-btn {
  display: inline-block;
  background: #f5c842;
  color: #000000 !important;
  font-family: var(--cd-font-sans);
  font-size: 20px;
  font-weight: 700;
  padding: 14px 34px;
  border-radius: 5px;
  text-decoration: none !important;
  transition: background 0.2s;
}

.cd-cta-btn:hover {
  background: #f7d46a;
  color: #000000 !important;
}

.cd-cta-sub {
  display: block;
  margin-top: 12px;
  font-family: var(--cd-font-sans);
  font-size: 20px;
  color: #ffffff;
}

/* CALCULATOR */
.cd-calc {
  background: var(--cd-gray-50);
  border: 1px solid var(--cd-gray-200);
  border-radius: var(--cd-radius);
  padding: 28px;
  margin: 32px 0;
  font-family: var(--cd-font-sans);
  color: #000000;
}

.cd-calc h3 {
  margin: 0 0 18px;
  font-size: 20px;
  color: var(--cd-green);
  border: none !important;
  padding: 0 !important;
}

.cd-calc p {
  color: #000000 !important;
  font-size: 20px !important;
  margin-bottom: 16px;
}

.cd-calc-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 14px;
}

.cd-calc-field {
  flex: 1;
  min-width: 160px;
}

.cd-calc-field label {
  display: block;
  font-size: 20px;
  font-weight: 700;
  color: #000000;
  margin-bottom: 5px;
}

.cd-calc-field input,
.cd-calc-field select {
  width: 100%;
  padding: 9px 12px;
  border: 1px solid var(--cd-gray-200);
  border-radius: 4px;
  font-size: 15px;
  box-sizing: border-box;
  font-family: var(--cd-font-sans);
  color: #000000 !important;
}

.cd-calc-field input::placeholder,
.cd-calc-field select::placeholder {
  color: #000000 !important;
  opacity: 1;
}

.cd-calc-btn {
  background: var(--cd-blue);
  color: var(--cd-white);
  border: none;
  padding: 11px 24px;
  border-radius: 4px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  font-family: var(--cd-font-sans);
}

.cd-calc-btn:hover {
  background: var(--cd-blue-light);
}

.cd-calc-result {
  display: none;
  margin-top: 16px;
  padding: 16px;
  background: var(--cd-white);
  border: 1px solid var(--cd-gray-200);
  border-radius: var(--cd-radius);
}

.cd-calc-result.active {
  display: block;
}

.cd-calc-result-label {
  font-size: 14px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #000000 !important;
  margin-bottom: 4px;
}

.cd-calc-result-num {
  font-size: 24px;
  font-weight: 700;
  color: var(--cd-blue);
  display: block;
  margin-bottom: 4px;
}

.cd-calc-result-note {
  font-size: 14px;
  color: #000000;
  margin: 0;
}

/* DISCLAIMER */
.cd-disclaimer {
  background: var(--cd-gray-100);
  border: 1px solid var(--cd-gray-200);
  border-radius: var(--cd-radius);
  padding: 18px 22px;
  font-family: var(--cd-font-sans);
  font-size: 20px;
  color: #000000;
  line-height: 1.65;
  margin: 36px 0;
}

/* FAQ */
.cd-faq-item {
  border-bottom: 1px solid var(--cd-gray-200);
  padding: 20px 0;
}

.cd-faq-item:first-child {
  border-top: 1px solid var(--cd-gray-200);
}

.cd-faq-item h3 {
  font-size: 20px;
  margin: 0 0 10px;
  color: #000000;
}

.cd-faq-answer {
  display: block;
  font-weight: 400;
  color: #000000;
  margin-bottom: 6px;
  font-size: 20px;
}

.cd-faq-body {
  font-size: 20px;
  line-height: 1.7;
  color: #000000 !important;
  margin: 0;
}

/* RELATED */
.cd-related {
  background: var(--cd-white);
  border: 1px solid var(--cd-gray-200);
  border-radius: var(--cd-radius);
  padding: 20px 24px 4px 24px;
  margin: 36px 0;
  font-family: var(--cd-font-sans);
}

.cd-related h3 {
  font-size: 20px;
  font-weight: 700;
  text-transform: none;
  letter-spacing: 0;
  color: #000000;
  margin: 0 0 16px;
  border: none !important;
  padding: 0 !important;
}

.cd-related ul {
  margin: 0 !important;
  padding: 0 !important;
  list-style: none !important;
}

.cd-related li {
  margin: 0 !important;
  padding: 6px 0 !important;
  padding-left: 0 !important;
  font-size: 20px !important;
  border-bottom: none !important;
  list-style: none !important;
  list-style-type: none !important;
  list-style-image: none !important;
  background-image: none !important;
}

.cd-related li::marker {
  display: none !important;
  content: "" !important;
}

.cd-related li:last-child {
  border-bottom: none !important;
  padding-bottom: 10px !important;
}

.cd-related a {
  color: #1a56db;
  text-decoration: none;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 20px;
  font-weight: 400;
  line-height: 1.4;
}

.cd-related a:visited {
  color: #1a56db;
}

.cd-related a::before {
  content: "→";
  color: #1a56db;
  font-weight: 700;
  flex-shrink: 0;
  font-size: 20px;
}

.cd-related a:hover {
  color: #1e3a8a;
  text-decoration: none;
}

div.cd-related ul {
  list-style: none !important;
  padding-left: 0 !important;
}

div.cd-related ul li {
  list-style: none !important;
  list-style-type: none !important;
  list-style-image: none !important;
  background-image: none !important;
  padding-left: 0 !important;
}

div.cd-related li::before {
  content: none !important;
  display: none !important;
}

div.cd-related li::marker {
  display: none !important;
  content: "" !important;
  font-size: 0 !important;
}

/* AUTHOR BOX */
.cd-author-box {
  display: flex;
  gap: 22px;
  align-items: flex-start;
  background: var(--cd-gray-50);
  border: 1px solid var(--cd-gray-200);
  border-radius: var(--cd-radius);
  padding: 28px;
  margin: 36px 0;
  font-family: var(--cd-font-sans);
}

.cd-author-box img,
.cd-author-photo {
  border-radius: 50%;
  border: 3px solid var(--cd-blue);
  flex-shrink: 0;
  width: 88px;
  height: 88px;
  object-fit: cover;
}

.cd-author-box-info h3 {
  font-size: 20px;
  color: #000000;
  margin: 0 0 4px;
  border: none !important;
  padding: 0 !important;
}

.cd-author-box-info p {
  font-size: 20px;
  color: #000000;
  line-height: 1.65;
  margin: 0 0 12px;
}

.cd-author-creds {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

span.cd-author-cred-badge {
  color: var(--cd-navy) !important;
  cursor: default !important;
}

.cd-author-cred-badge {
  background: var(--cd-white);
  border: 1px solid var(--cd-gray-200);
  border-radius: 3px;
  padding: 3px 10px;
  font-size: 12px;
  font-weight: 600;
  color: var(--cd-navy) !important;
  text-decoration: none;
}

span.cd-author-cred-badge:hover {
  border-color: var(--cd-gray-200) !important;
  color: var(--cd-navy) !important;
  cursor: default !important;
}

/* LINKS */
.cd-page-wrap a {
  color: #1a56db;
  text-decoration: none !important;
}

.cd-page-wrap a:hover {
  color: #1e3a8a;
  text-decoration: none !important;
}

.cd-byline-badges a.cd-byline-badge {
  color: #000000 !important;
}

.cd-byline-badges aa.cd-internal-link {
  color: #1a56db !important;
  text-decoration: none !important;
  font-weight: normal !important;
  background-color: transparent !important;
  padding: 0 !important;
  border-radius: 0 !important;
  transition: color 0.2s !important;
  cursor: pointer !important;
}

a.cd-internal-link:hover {
  color: #1e3a8a !important;
  text-decoration: none !important;
}

/* BULLET LIST */
.cd-page-wrap ul {
  margin-top: 20px !important;
  margin-bottom: 20px !important;
  padding-left: 24px;
}

.cd-page-wrap ul li {
  margin-bottom: 8px;
  line-height: 1.7;
}

.cd-page-wrap p {
  margin-bottom: 16px;
  font-size: 20px;
  color: #000000 !important;
}

/* LAST UPDATED */
.cd-last-updated {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 14px;
  color: var(--cd-gray-600);
  background: none;
  border: none;
  border-radius: 0;
  padding: 0;
  margin: 16px 0 18px;
  line-height: 1.4;
}

.cd-last-updated .cd-cal-icon {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}

.cd-last-updated strong {
  color: var(--cd-gray-900);
  font-weight: 700;
  font-size: 14px;
}

/* SECTION ANSWER */
.cd-section-answer {
  font-weight: 400;
  color: #000000;
  display: block;
  margin-bottom: 14px;
  font-size: 20px;
  line-height: 1.6;
}

/* SNIPPET */
.cd-snippet {
  font-size: 20px;
  line-height: 1.7;
  color: #000000;
  margin: 0 0 32px;
  display: block;
}

/* WORDPRESS PARENT RESET  -  scoped to only affect cd-page-wrap children */
.entry-content>.cd-page-wrap,
.post-content>.cd-page-wrap,
.hentry>.cd-page-wrap,
.elementor-widget-container>.cd-page-wrap {
  padding: 0 !important;
  margin-left: 0 !important;
  margin-right: 0 !important;
  max-width: none !important;
}

/* Force white text inside navy CTA boxes */
.cd-page-wrap .cd-cta h3,
.cd-page-wrap .cd-cta p,
.cd-page-wrap .cd-cta span,
.cd-page-wrap .cd-cta .cd-cta-sub {
  color: #ffffff !important;
}

/* SCROLL TO TOP */

/* RESPONSIVE */
@media (max-width: 600px) {
  .cd-author-box {
    flex-direction: column;
  }

  .cd-byline {
    flex-direction: column;
    align-items: flex-start;
  }

  .cd-cta {
    padding: 24px 20px;
  }

  .cd-page-wrap h1 {
    font-size: 28px;
  }

  .cd-page-wrap h2 {
    font-size: 22px;
  }
}

/* REVIEW QUOTE */
.cd-review-quote {
  border-left: 4px solid var(--cd-green);
  padding: 14px 20px;
  margin: 24px 0;
  font-style: italic;
  font-size: 20px;
  color: #000000;
  background: #f0fdf4;
  border-radius: 0 var(--cd-radius) var(--cd-radius) 0;
}

.cd-review-quote cite {
  display: block;
  font-style: normal;
  font-size: 13px;
  font-family: var(--cd-font-sans);
  color: #000000 !important;
  margin-top: 8px;
  font-weight: 600;
}

/* TIMELINE */
.cd-timeline {
  margin: 24px 0;
  padding: 0;
  list-style: none;
  position: relative;
}

.cd-timeline::before {
  content: "";
  position: absolute;
  left: 15px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--cd-gray-200);
}

.cd-timeline li {
  position: relative;
  padding: 0 0 22px 46px;
  font-size: 20px;
  line-height: 1.6;
  min-height: 40px;
  color: #000000;
}

.cd-timeline li::before {
  content: attr(data-step);
  position: absolute;
  left: 0;
  top: 2px;
  width: 30px;
  height: 30px;
  background: var(--cd-blue);
  color: var(--cd-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--cd-font-sans);
  font-size: 13px;
  font-weight: 700;
}

.cd-timeline li strong {
  color: var(--cd-green);
  display: block;
  margin-bottom: 3px;
}

/* ADA ACCESSIBILITY - Audit Issue #3 */
.calc-label,
.calculator label,
.form-label,
.cred-label {
  font-size: 14px;
  color: #000000;
}

.calc-disclaimer,
.disclaimer,
.footnote,
.small-print {
  font-size: 12px;
  color: #000000;
  display: block;
  margin-top: 8px;
}

input::placeholder,
select::placeholder {
  color: #000000;
  font-size: 14px;
}

.author-creds a,
.author-creds span {
  font-size: 13px;
  color: #1a5276;
  text-decoration: underline;
}

/* INLINE CTA - Audit Issues #1 and #2 */
.inline-cta {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-left: 5px solid #0f52a0;
  border-radius: 6px;
  padding: 20px 24px;
  margin: 28px 0;
  font-family: "Nunito Sans", sans-serif;
}

.inline-cta p {
  font-size: 20px;
  color: #000000;
  margin: 0 0 14px;
  line-height: 1.6;
}

.btn-primary {
  display: inline-block;
  background: #1fa06d;
  color: #ffffff !important;
  font-family: "Nunito Sans", sans-serif;
  font-size: 20px;
  font-weight: 700;
  padding: 12px 28px;
  border-radius: 5px;
  text-decoration: none !important;
  transition: background 0.2s;
}

.btn-primary:hover {
  background: #178a5e;
}

/* H1 explicit green color - overrides inheritance */
.cd-page-wrap h1,
.cd-h1 {
  color: #000000 !important;
}

/* Anchor offset for sticky header */
h1[id],
h2[id],
h3[id],
.cd-page-wrap h1,
.cd-page-wrap h2,
.cd-page-wrap h3 {
  scroll-margin-top: 100px;
}

/* Hide theme-built (Elementor) scroll-to-top / back-to-top buttons */
#pe-back-top,
#backtotop,
.elementor-element #pe-back-top,
.elementor-element #backtotop,
a#backtotop,
.back-to-top,
.back_to_top,
.scroll-to-top,
.elementor-button-link[href="#top"],
.e-scroll-to-top,
div[id*="pe-back-top"],
a[id*="backtotop"],
.elementor-widget-html:has(> .elementor-widget-container > #pe-back-top),
.elementor-widget-html:has(#backtotop) {
  display: none !important;
  visibility: hidden !important;
  opacity: 0 !important;
  pointer-events: none !important;
}

/* Mobile: smaller law firm disclaimer text */
@media (max-width: 767px) {
  .cd-cta-lawfirm-disc {
    font-size: 13px !important;
    line-height: 1.5;
  }

  .cd-page-wrap p.cd-cta-lawfirm-disc,
  .cd-page-wrap .cd-cta-lawfirm-disc {
    font-size: 13px !important;
    line-height: 1.5 !important;
  }
}

/* ADA: Skip navigation */
.skip-nav {
  position: absolute;
  left: -9999px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
  z-index: 99999;
}

.skip-nav:focus {
  position: static;
  width: auto;
  height: auto;
  padding: 8px 16px;
  background: #1a2744;
  color: #ffffff;
  font-weight: 700;
  text-decoration: none;
  display: inline-block;
}

.cd-verify {
  margin-top: 0.8em;
  background: #edf7f0;
  border: 1px solid #8fccaa;
  border-left: 3px solid #1FA06D;
  border-radius: 8px;
  padding: 18px 20px;
  align-items: flex-start;
}