#mainNav {
        background-color: #fff;
        border-color: #fff;
}

ol.breadcrumb  {
margin-bottom:25px;}
 

.breadcrumb-item {
opacity: 0.75;}
 

.masthead.blog-masthead {
background: #000333;
 background-image: url(../img/hero-bg2.svg),linear-gradient(50deg,#000333 50%,#0b538d 100%);
background-repeat: no-repeat;
background-position: bottom right;
background-size: contain;
padding-top: 80px;
padding-bottom: 10px;
}
@media (min-width:992px){
.masthead.blog-masthead {
padding-top: 160px;
padding-bottom: 30px;
}
}
.blog-meta-row {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px 8px;
    margin: 18px 0 0 0;
    font-size: 13px;
    color: #55566e;
opacity:0.75}

.blog-meta-row .dot {
 color: #FC0;
}

@media (max-width:767px){
.blog-meta-row {
justify-content: center;
text-align: center;
}
 }
/* ---------- Category tag / pill ---------- */

.category-tag {
    display: inline-block;
    font-family: 'Helvetica', 'Arial', 'sans-serif';
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: #000333!important;
    background-color: #FC0;
    border-radius: 300px;
    padding: 6px 15px ;
    margin-bottom: 12px;
}

.category-tag.outline {
    background-color: transparent;
    border: 1px solid #000333;
}

.category-tag.grey {
    background-color: #F5FAFD;
    border: 1px solid #e3e6f0;
}

a.category-tag:hover {
    background-color: #e8ba00;
    text-decoration: none;
}

/* ---------- Post list / cards (text only, no thumbnails) ---------- */

.post-list-section {
    padding-top: 60px;
}

.post-card {
         background-color: #F5FAFD;    border: 1px solid #e3e6f0;

    border-radius: 10px;
    padding: 28px 25px;
    margin-bottom: 30px;

}

 

.post-card h2 {
    font-size: 22px;
    margin-bottom: 10px;
}

.post-card h2 a {
    color: #000333;
}

.post-card h2 a:hover {
    color: #0b538d;
    text-decoration: none;
}

.post-card .post-card-meta {
    font-size: 14px;
    color: #777;
    margin-bottom: 12px;
    letter-spacing: .2px;
}

.post-card .post-card-meta .dot {
    margin: 0 8px;
    opacity: .5;
}

.post-card p.excerpt {
    font-size: 17px;
    color: #444;
    margin-bottom: 12px;
}

.post-card .read-more {
    font-weight: 700;
    font-size: 14px;
    letter-spacing: .3px;
    color: #000333;
    text-decoration: underline;
}

.post-card .read-more:hover {
    color: #0b538d;
}

/* Featured post — first item, slightly emphasised, still text-only */

.post-card.featured {
    background-color: #F5FAFD;
    border: none;
    border-radius: 20px 80px 20px 80px;
    padding: 35px 35px;
    margin-bottom: 20px;
}

.post-card.featured h2 {
    font-size: 28px;
}

/* ---------- Sidebar ---------- */

.blog-sidebar {
    position: sticky;
    top: 110px;
}

.sidebar-cta {
    background: #000333;
    background: linear-gradient(50deg, #000333 50%, #0b538d 100%);
    border-radius: 10px 60px 10px 60px;
    padding: 35px 30px;
    color: #fff;
    margin-bottom: 30px;
}
 .sidebar-cta p {
    font-size: 16px;
}
.sidebar-cta h3, .sidebar-cta p {
    color: #fff;
}

.sidebar-cta .check-list {
    font-size: 15px;
    line-height: 1.4;
    margin-top: 16px;
    margin-bottom: 25px;
}

.sidebar-cta .check-list li {
    margin-top: 2px;
    margin-bottom: 2px;
}

.sidebar-cta .btn {
    width: 100%;
}

.sidebar-widget {
    background-color: #F5FAFD;    border: 1px solid #e3e6f0;

    border-radius: 10px;
    padding: 28px 25px;
    margin-bottom: 30px;
}

.sidebar-widget h3 {
    font-size: 16px;
    border-bottom: 2px solid #FC0;
    display: inline-block;
    padding-bottom: 4px;
    margin-bottom: 18px;
	text-transform: uppercase
}

.sidebar-widget ul {
    list-style: none;
    padding-left: 0;
    margin-bottom: 0;
}

.sidebar-widget ul li {
    margin-bottom: 10px;
}

.sidebar-widget ul.link-list li a {
    color: #000333;
    font-size: 16px;
}

.sidebar-widget ul.link-list li a:hover {
    color: #0b538d;
    text-decoration: underline;
}

.sidebar-widget ul.link-list li {
    padding-bottom: 12px;
    margin-bottom: 12px;
    border-bottom: 1px solid #e3e6f0;
}

.sidebar-widget ul.link-list li:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}



.sidebar-widget ul.post-mini-list li {
    padding-bottom: 12px;
    margin-bottom: 12px;
    border-bottom: 1px solid #e3e6f0;
}

.sidebar-widget ul.post-mini-list li:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.sidebar-widget ul.post-mini-list a {
    font-size: 16px;
    font-weight: 700;
    color: #000333;
    line-height: 1.3;
    display: block;
    margin-bottom: 4px;
}

.sidebar-widget ul.post-mini-list a:hover {
    color: #0b538d;
}

.sidebar-widget ul.post-mini-list .post-card-meta {
    font-size: 13px;
    color: #999;
    margin-bottom: 0;
}

/* ---------- Article body typography (single post template) ---------- */

.article-body {
    font-size: 18px;
    line-height: 1.6;
}

.article-body h2 {
    font-size: 26px;
    margin-top: 55px;
}

.article-body h3 {
    font-size: 20px;
    margin-top: 30px;
}

.article-body p {
    font-size: 18px;
 }
.article-body p.small {
   font-size: 80%;
}

 
.article-body a {
    text-decoration: underline;
}

.article-body a:hover {
    text-decoration: none;
}

/* Pull quote — text-only emphasis device, no image needed */

.pull-quote {
    border-left: 4px solid #FC0;
    padding: 6px 0 6px 25px;
    margin: 35px 0;
    font-family: 'Ubuntu', 'Helvetica', 'Arial', 'sans-serif';
    font-size: 22px;
    font-weight: 700;
    line-height: 1.35;
    color: #000333;
}

/* Key takeaways / summary box */

.takeaway-box {
    background: #F5FAFD;
    border: 0;
     border: 1px solid #e3e6f0;
    border-left: 4px solid #0b538d;	
     border-radius: 8px;
    padding: 25px 28px;
    margin: 40px 0;
 
}



.takeaway-box p.takeaway {
    font-family: 'Ubuntu', 'Helvetica', 'Arial', 'sans-serif';
     margin: 0 0 16px;
    padding: 0;
    border: 0;
    font-size: 18px;
    font-weight: 700;
    color: #000333;
    text-transform: uppercase;
    letter-spacing: .3px;

}

.takeaway-box ul.check-list {
    margin-top: 0;
    margin-bottom: 0;
}
.takeaway-box ul {
    padding-left: 0;
    list-style: none;
}

.takeaway-box li {
    position: relative;
    padding-left: 22px;
    margin-bottom: 10px;
}

.takeaway-box li::before {
    content: "";
    position: absolute;
    left: 2px;
    top: 0.65em;
    width: 6px;
    height: 6px;
    background: #0b538d;
    border-radius: 50%;
}



/* In-page table of contents — helps dwell time / SEO structure */

.article-toc {
    background-color: #F5FAFD;
    border: 1px solid #e3e6f0;
    border-radius: 10px;
    padding: 22px 25px;
    margin-bottom: 35px;
 }

.article-toc p.toc-label {
    font-family: 'Ubuntu', 'Helvetica', 'Arial', 'sans-serif';
    font-weight: 700;
    font-size: 16px;
 border-bottom: 2px solid #FC0;
display: inline-block;
padding-bottom: 4px;
margin-bottom: 18px;
		text-transform: uppercase

}

.article-toc ol {
    list-style: none;
    padding: 0;
    margin: 0;
    counter-reset: toc;
}

.article-toc li {
    counter-increment: toc;
    display: flex;
    align-items: baseline;
    gap: 10px;
    margin: 0;
    padding: 8px 0;
    border-bottom: 1px solid #e9ebf3;
}

.article-toc li:last-child {
    border-bottom: 0;
}

.article-toc li::before {
    content: counter(toc);
    flex: 0 0 10px;
    color: #0b538d;
    font-size: 13px;
    font-weight: 700;
    line-height: 1.6;
}

.article-toc a {
    color: #5B5E7E;
    font-weight: 400;
    transition: color 0.2s ease, font-weight 0.2s ease;
}

.article-toc a.active {
    color: #000333;
    font-weight: 700;
}


.article-toc li a {
    flex: 1;
    color: #000333;
    line-height: 1.6;
    text-decoration: none;
}

.article-toc li a:hover {
    color: #0b538d;
    text-decoration: underline;
}

/* Author / reviewer line */

.author-line {
    padding: 24px 0;
    margin: 45px 0;
    border-top: 1px solid #e9ebf3;
    border-bottom: 1px solid #e9ebf3;
    font-size: 15px;
    color: #5B5E7E;
}

.author-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 18px;
}

.author-header img {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid #e9ebf3;
    flex-shrink: 0;
}

.author-meta {
    line-height: 1.6;
}

.author-bio {
    line-height: 1.7;
}

.author-line strong {
    color: #000333;
}

@media (max-width: 576px) {
    .author-header {
        align-items: flex-start;
    }

    .author-header img {
        width: 50px;
        height: 50px;
    }
}

/* ---------- Related posts ---------- */

.related-posts-section {
    background-color: #F5FAFD;
}

.related-post-card {
    background-color: #fff;
    border-radius: 10px;
    padding: 25px;
    height: 100%;
    box-shadow: 0 0 .5rem rgb(0 0 0 / .08);
}

.related-post-card h3 {
    font-size: 18px;
}

.related-post-card h3 a {
    color: #000333;
}

.related-post-card h3 a:hover {
    color: #0b538d;
}

.related-post-card .post-card-meta {
    font-size: 13px;
    color: #999;
    margin-bottom: 10px;
}

/* ---------- Pagination ---------- */

.blog-pagination {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    margin-top: 40px;
    flex-wrap: wrap;
}

.blog-pagination a, .blog-pagination span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 42px;
    height: 42px;
    border-radius: 300px;
    font-family: 'Helvetica', 'Arial', 'sans-serif';
    font-weight: 700;
    font-size: 15px;
    color: #000333;
    padding: 0 14px;
}

.blog-pagination a {
    border: 1px solid #e3e6f0;
}

.blog-pagination a:hover {
    border-color: #FC0;
    background-color: #FC0;
    text-decoration: none;
}

.blog-pagination span.current {
    background-color: #000333;
    color: #fff;
}

/* ---------- Responsive ---------- */

@media (max-width: 991.98px) {
    .blog-sidebar {
        position: static;
        margin-top: 40px;
    }
}

@media (max-width: 767.98px) {
    .post-card.featured {
        padding: 25px 20px;
        border-radius: 12px;
    }

    .sidebar-cta, .services-type-box.sidebar-cta {
        border-radius: 12px;
    }
}

.article-body .card h3 a {
font-size: 19px;text-decoration: none;
padding: 15px 40px 15px 15px;

}
					
.faq-icon>a:after {

top: 13px;
 
}					
	.faq-item p{ color: #5B5E7E }					
 
					
 				
.article-body .card h3 {
 margin-top: 0px;
}
.risk-banner{
    background: #FFF9E6;
    border: 1px solid #F2E4A8;
     font-size: 14px;
    text-align: center;
    padding: 12px 18px;
    border-radius: 8px;
 }

.callout {
    background: #FFF9E6;
    border: 1px solid #F2E4A8;
    border-left: 4px solid #FC0;
    border-radius: 8px;
    padding: 18px 22px;
    margin: 40px 0;
    font-size: 16px;
    line-height: 1.55;
 }


.rate-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin: 30px 0 0;
    border: 1px solid #E3E6F0;
    border-radius: 12px;
    overflow: hidden;
    font-size: 15px;
    background: #fff;
    box-shadow: 0 2px 8px rgba(0, 3, 51, 0.04);
}

.rate-table th {
    text-align: left;
    padding: 16px 20px;
    background: #F5FAFD;
    color: #000333;
    font-size: 15px;
    font-weight: 700;
    border-bottom: 1px solid #E3E6F0;
	width:33%
}

.rate-table th:first-child {
    width: 30%;
    color: #000333;
    font-weight: 600;
}

.rate-table th:nth-child(2) {
    color: #000333;
}

.rate-table th:nth-child(3) {
    color: #000333;
}

.rate-table td {
    padding: 17px 20px;
    border-bottom: 1px solid #EDF0F5;
    background: #fff;
    vertical-align: middle;
    line-height: 1.5;
}

.rate-table tr:last-child td {
    border-bottom: 0;
}

.rate-table td.label {
    font-weight: 700;
    color: #000333;
}

 
.rate-table td:not(.label) {
    color: #5B5E7E;
}

/* Mobile */
@media (max-width: 767px) {
    .rate-table {
        font-size: 14px;
    }

    .rate-table th,
    .rate-table td {
        padding: 13px 14px;
    }

    .rate-table th:first-child {
        width: 28%;
    }
}