/*
 * Legal & fees pages (1 Oct 2026): Privacy policy and Terms of use (Library template),
 * Costs disclosure (design B "Where the money goes"), No win, no fee (design D "Step by step").
 * Loaded only by templates/template-legal-library.php, template-costs-disclosure.php and
 * template-no-win-no-fee.php. Everything is scoped to .cl-page.
 */
.cl-page {
	--cl-navy: #0B1A2E; --cl-blue: #1D63FF; --cl-blue-ink: #1546B8; --cl-gold: #F6C85F;
	--cl-ink2: #3C4657; --cl-ink3: #566175; --cl-line: #E1E7F0; --cl-pale: #F6F8FB; --cl-mist: #EEF2F7;
	--cl-green: #11683F; --cl-green-bg: #EEFBF4; --cl-green-bd: #BFE8D2;
	--cl-amber: #8A5A00; --cl-amber-bg: #FFF8E6; --cl-amber-bd: #F1DA9C;
	--cl-head: 'Inter Tight', 'Inter', system-ui, sans-serif;
	--cl-pad: 80px;
	font-family: 'Inter', system-ui, sans-serif; color: var(--cl-navy); background: #FFFFFF;
	-webkit-font-smoothing: antialiased; overflow-wrap: break-word;
}
.cl-page *, .cl-page *::before, .cl-page *::after { box-sizing: border-box; }
.cl-page h1, .cl-page h2, .cl-page h3, .cl-page p, .cl-page ul, .cl-page ol, .cl-page figure { margin: 0; padding: 0; }
.cl-page ul, .cl-page ol { list-style: none; }
.cl-page a { color: inherit; text-decoration: none; }
.cl-page a:hover { color: var(--cl-blue); }
.cl-page a:focus-visible, .cl-page button:focus-visible, .cl-page summary:focus-visible, .cl-page input:focus-visible { outline: 3px solid var(--cl-blue); outline-offset: 2px; border-radius: 6px; }
.cl-page svg { flex: none; }
/* full-width bands; content kept to the site header's 1280px column */
.cl-wrap { max-width: none; margin: 0; padding-left: max(var(--cl-pad), calc((100% - 1280px) / 2)); padding-right: max(var(--cl-pad), calc((100% - 1280px) / 2)); }
.cl-sr { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; }
.cl-page .cl-only-mob { display: none !important; }

/* type */
.cl-eyebrow { display: block; font-size: 14px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--cl-blue); }
.cl-dark .cl-eyebrow, .cl-eyebrow--gold { color: var(--cl-gold); }
.cl-h1 { font-family: var(--cl-head); font-size: 60px; font-weight: 900; line-height: 1.02; letter-spacing: -.02em; color: var(--cl-navy); }
.cl-dark .cl-h1 { color: #FFFFFF; }
.cl-h2 { font-family: var(--cl-head); font-size: 40px; font-weight: 900; line-height: 1.08; letter-spacing: -.01em; color: var(--cl-navy); }
.cl-h3 { font-family: var(--cl-head); font-size: 26px; font-weight: 800; line-height: 1.2; color: var(--cl-navy); }
.cl-lede { font-size: 20px; line-height: 1.55; color: var(--cl-ink2); }
.cl-dark .cl-lede { color: #C3CCDA; }
.cl-p, .cl-prose p { font-size: 17px; line-height: 1.65; color: var(--cl-ink2); }
.cl-small { font-size: 14px; line-height: 1.6; color: var(--cl-ink3); }
.cl-prose { display: flex; flex-direction: column; gap: 16px; }
.cl-prose strong { color: var(--cl-navy); }
.cl-prose ul, .cl-list { display: flex; flex-direction: column; gap: 10px; }
.cl-prose ul li, .cl-list li { position: relative; padding-left: 18px; font-size: 17px; line-height: 1.55; color: var(--cl-ink2); }
.cl-prose ul li::before, .cl-list li::before { content: ""; position: absolute; left: 0; top: 11px; width: 6px; height: 6px; border-radius: 99px; background: var(--cl-blue); }
.cl-checks { display: flex; flex-direction: column; gap: 8px; }
.cl-checks li { display: flex; gap: 10px; font-size: 15px; line-height: 1.45; color: var(--cl-ink2); }
.cl-checks li svg { margin-top: 2px; }

/* breadcrumb */
.cl-crumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; font-size: 14px; color: var(--cl-ink3); }
.cl-crumbs a { text-decoration: underline; text-underline-offset: 3px; }
.cl-crumbs [aria-current] { color: var(--cl-navy); font-weight: 600; }
.cl-dark .cl-crumbs { color: #AFC0DA; }
.cl-dark .cl-crumbs [aria-current] { color: #FFFFFF; }

/* buttons */
.cl-btns { display: flex; flex-wrap: wrap; gap: 12px; }
.cl-btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 52px; padding: 0 24px; border-radius: 10px; font-size: 16px; font-weight: 700; line-height: 1.2; white-space: nowrap; border: 2px solid transparent; cursor: pointer; font-family: inherit; }
.cl-page a.cl-btn--primary, .cl-btn--primary { background: var(--cl-blue); color: #FFFFFF; }
.cl-page a.cl-btn--primary:hover { background: #1550D6; color: #FFFFFF; }
.cl-page a.cl-btn--ghost, .cl-btn--ghost { border-color: var(--cl-navy); color: var(--cl-navy); background: transparent; }
.cl-dark a.cl-btn--ghost, .cl-band--navy a.cl-btn--ghost { border: 1px solid rgba(255,255,255,.3); color: #FFFFFF; }
.cl-page a.cl-btn--ghost:hover { background: var(--cl-navy); color: #FFFFFF; }
.cl-dark a.cl-btn--ghost:hover, .cl-band--navy a.cl-btn--ghost:hover { background: rgba(255,255,255,.1); color: #FFFFFF; }
.cl-btn--quiet { min-height: 44px; padding: 0 16px; border: 1px solid #CBD5E3; background: #FFFFFF; color: var(--cl-navy); font-size: 15px; }

/* callouts */
.cl-callout { padding: 18px 20px; border: 1px solid #C9DAFF; border-radius: 12px; background: #EEF4FF; display: flex; flex-direction: column; gap: 6px; }
.cl-callout__label { font-size: 13px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--cl-blue-ink); }
.cl-callout p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--cl-navy); }
.cl-callout--amber { background: var(--cl-amber-bg); border-color: var(--cl-amber-bd); }
.cl-callout--amber .cl-callout__label { color: var(--cl-amber); }
.cl-callout--green { background: var(--cl-green-bg); border-color: var(--cl-green-bd); }
.cl-callout--green .cl-callout__label { color: var(--cl-green); }

/* sections and cards */
.cl-section { padding-top: 64px; padding-bottom: 64px; border-top: 1px solid var(--cl-line); }
.cl-section--pale { background: var(--cl-pale); }
.cl-section__head { display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }
.cl-section__head .cl-lede { max-width: 820px; font-size: 18px; }
.cl-stack { display: flex; flex-direction: column; gap: 20px; }
.cl-card { padding: 32px; border: 1px solid var(--cl-line); border-radius: 16px; background: #FFFFFF; display: flex; flex-direction: column; gap: 14px; }
.cl-card--tight { padding: 22px; gap: 8px; }
.cl-card__num { font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-blue); }
.cl-card__title { font-size: 19px; font-weight: 800; line-height: 1.3; color: var(--cl-navy); }
.cl-card__text { font-size: 15.5px; line-height: 1.55; color: var(--cl-ink2); }
.cl-grid { display: grid; gap: 16px; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; }
.cl-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); align-items: stretch; }
.cl-grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); align-items: stretch; }
.cl-grid--stretch { align-items: stretch; }
.cl-wide { grid-column: 1 / -1; }

/* hero */
.cl-hero { padding-top: 28px; padding-bottom: 56px; display: flex; flex-direction: column; gap: 32px; }
.cl-dark { background: var(--cl-navy); color: #FFFFFF; }
.cl-hero__grid { display: grid; grid-template-columns: minmax(0, 1fr) 440px; gap: 64px; align-items: end; }
.cl-hero__main { display: flex; flex-direction: column; gap: 16px; }

/* legal & fees switcher */
.cl-switch { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.cl-switch a { display: flex; align-items: center; gap: 10px; min-height: 48px; padding: 0 16px; border-radius: 10px; border: 1px solid rgba(255,255,255,.16); color: #FFFFFF; font-size: 15px; font-weight: 700; }
.cl-switch a:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }
.cl-switch a[aria-current] { background: #FFFFFF; color: var(--cl-navy); border-color: #FFFFFF; }

/* 50/50 illustration */
.cl-cap { padding: 24px; border: 1px solid var(--cl-line); border-radius: 16px; background: var(--cl-pale); display: flex; flex-direction: column; gap: 16px; }
.cl-cap figcaption { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 6px 16px; }
.cl-cap__title { font-size: 16px; font-weight: 800; color: var(--cl-navy); }
.cl-cap__tag { font-size: 13px; font-weight: 700; color: var(--cl-amber); }
.cl-cap__bar { display: flex; gap: 3px; border-radius: 8px; overflow: hidden; }
.cl-cap__bar span { display: block; height: 28px; }
.cl-cap__legend { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.cl-cap__item { display: flex; flex-direction: column; gap: 4px; }
.cl-cap__key { display: flex; align-items: center; gap: 8px; font-size: 13.5px; font-weight: 600; color: var(--cl-ink3); }
.cl-cap__key i { width: 12px; height: 12px; border-radius: 3px; flex: none; }
.cl-cap__val { font-size: 20px; font-weight: 800; color: var(--cl-navy); }
.cl-c-ref { background: #4A5B73; } .cl-c-exp { background: #B9C4D4; } .cl-c-fee { background: var(--cl-blue); } .cl-c-you { background: var(--cl-green); }

/* talk band, fine print */
.cl-talk { padding-top: 56px; padding-bottom: 56px; background: var(--cl-pale); border-top: 1px solid var(--cl-line); display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px 40px; }
.cl-talk__text { display: flex; flex-direction: column; gap: 10px; max-width: 720px; }
.cl-talk .cl-h2 { font-size: 36px; }
.cl-h2--md { font-size: 36px; }
.cl-h2--sm { font-size: 32px; }
.cl-fine { padding-top: 32px; padding-bottom: 48px; display: flex; flex-direction: column; gap: 10px; }
.cl-fine p { max-width: 980px; font-size: 14px; line-height: 1.6; color: var(--cl-ink3); }
.cl-band--navy { background: var(--cl-navy); padding-top: 56px; padding-bottom: 56px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 24px 40px; }
.cl-band--navy .cl-h2 { color: #FFFFFF; font-size: 38px; }
.cl-band--navy p { font-size: 18px; line-height: 1.55; color: #C3CCDA; max-width: 760px; margin-top: 10px; }

/* =========================== Costs disclosure (B) =========================== */
.cl-flow { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; }
.cl-flow li { position: relative; min-height: 220px; padding: 22px; border-radius: 14px; display: flex; flex-direction: column; gap: 10px; color: #FFFFFF; }
.cl-flow li:nth-child(1) { background: var(--cl-navy); }
.cl-flow li:nth-child(2) { background: #4A5B73; }
.cl-flow li:nth-child(3) { background: #B9C4D4; color: var(--cl-navy); }
.cl-flow li:nth-child(4) { background: var(--cl-blue); }
.cl-flow li:nth-child(5) { background: var(--cl-green); }
.cl-flow__step { font-size: 13px; font-weight: 800; letter-spacing: .08em; opacity: .85; }
.cl-flow__title { font-family: var(--cl-head); font-size: 24px; font-weight: 800; line-height: 1.15; }
.cl-flow__text { font-size: 15px; line-height: 1.5; }
.cl-flow li a { margin-top: auto; font-size: 14px; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; color: inherit; }
.cl-flow li a:hover { color: inherit; opacity: .85; }
.cl-flow__arrow { position: absolute; right: -19px; top: 50%; transform: translateY(-50%); z-index: 2; width: 30px; height: 30px; border-radius: 99px; background: #FFFFFF; border: 1px solid var(--cl-line); display: flex; align-items: center; justify-content: center; }
.cl-flow__head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 8px 24px; margin-bottom: 24px; }
.cl-cd-content { display: flex; flex-direction: column; gap: 20px; }
.cl-cd-content > .cl-grid { margin: 0; }
/* the editable sections */
.cl-cd-sec { padding: 32px; border: 1px solid var(--cl-line); border-radius: 16px; background: #FFFFFF; display: flex; flex-direction: column; gap: 14px; scroll-margin-top: 140px; }
.cl-cd-sec > h2 { font-family: var(--cl-head); font-size: 26px; font-weight: 800; line-height: 1.2; color: var(--cl-navy); margin: 0; }
.cl-cd-sec p { font-size: 16.5px; line-height: 1.65; color: var(--cl-ink2); margin: 0; }
.cl-cd-sec p:empty { display: none; }
.cl-cd-sec ul { display: flex; flex-direction: column; gap: 10px; margin: 0; }
.cl-cd-sec ul li { position: relative; padding-left: 18px; font-size: 16.5px; line-height: 1.55; color: var(--cl-ink2); }
.cl-cd-sec ul li::before { content: ""; position: absolute; left: 0; top: 11px; width: 6px; height: 6px; border-radius: 99px; background: var(--cl-blue); }
.cl-cd-sec strong { color: var(--cl-navy); }
.cl-cd-sec .cl-cd-num { font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-blue); }
.cl-kinds { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 12px; }
.cl-kinds > div { padding: 20px; border: 1px solid var(--cl-line); border-radius: 12px; display: flex; flex-direction: column; gap: 8px; }
.cl-kinds p.cl-kn { margin: 0; font-size: 15px !important; font-weight: 800; color: #FFFFFF !important; line-height: 1 !important; width: 32px; height: 32px; border-radius: 8px; background: var(--cl-navy); color: #FFFFFF; font-size: 15px; display: flex; align-items: center; justify-content: center; }
.cl-kinds h3 { font-size: 17px; font-weight: 700; color: var(--cl-navy); margin: 0; }
.cl-kinds p { font-size: 15px !important; line-height: 1.55; }
.cl-claims { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.cl-claims > div { padding: 16px 18px; border: 1px solid var(--cl-line); border-radius: 12px; display: flex; flex-direction: column; gap: 4px; }
.cl-claims h3 { font-size: 16px; font-weight: 700; color: var(--cl-navy); margin: 0; }
.cl-claims p { font-size: 14.5px !important; line-height: 1.5; color: var(--cl-ink3) !important; }
.cl-callout-in { padding: 18px 20px; border: 1px solid #C9DAFF; border-radius: 12px; background: #EEF4FF; }
.cl-callout-in.is-amber { background: var(--cl-amber-bg); border-color: var(--cl-amber-bd); }
.cl-callout-in.is-green { background: var(--cl-green-bg); border-color: var(--cl-green-bd); }
.cl-callout-in p { font-size: 16px !important; color: var(--cl-navy) !important; }

/* =========================== No win, no fee (D) =========================== */
.cl-disc { padding: 22px 24px; border-radius: 14px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.16); display: flex; flex-direction: column; gap: 8px; }
.cl-disc__label { font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-gold); }
.cl-disc p { font-size: 15px; line-height: 1.6; color: #D5DEEC; }
.cl-disc a { color: #FFFFFF; text-decoration: underline; text-underline-offset: 3px; }
.cl-steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.cl-steps > li { padding: 22px; border-radius: 14px; background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.14); display: flex; flex-direction: column; gap: 10px; }
.cl-steps__n { width: 40px; height: 40px; border-radius: 99px; background: var(--cl-gold); color: var(--cl-navy); font-weight: 900; font-size: 18px; display: flex; align-items: center; justify-content: center; flex: none; }
.cl-steps__t { font-size: 19px; font-weight: 800; color: #FFFFFF; }
.cl-steps__d { font-size: 15px; line-height: 1.5; color: #C3CCDA; }
.cl-steps .cl-checks li { color: #E2E8F0; font-size: 14px; }
.cl-steps__pay { margin-top: auto; padding-top: 12px; border-top: 1px solid rgba(255,255,255,.14); font-size: 14.5px; line-height: 1.45; color: #FFFFFF; }
.cl-steps__pay strong, .cl-acc__pay strong { color: var(--cl-gold); }
.cl-acc { border-bottom: 1px solid rgba(255,255,255,.14); }
.cl-acc details { border-top: 1px solid rgba(255,255,255,.14); }
.cl-acc summary { display: flex; align-items: center; gap: 14px; min-height: 64px; padding: 10px 0; cursor: pointer; list-style: none; }
.cl-acc summary::-webkit-details-marker { display: none; }
.cl-acc summary .cl-steps__n { width: 34px; height: 34px; font-size: 16px; }
.cl-acc__titles { flex-grow: 1; display: flex; flex-direction: column; gap: 2px; }
.cl-acc__t { font-size: 16.5px; font-weight: 800; color: #FFFFFF; }
.cl-acc__pay { font-size: 13.5px; line-height: 1.35; color: #C3CCDA; }
.cl-acc details[open] .cl-chev { transform: rotate(180deg); }
.cl-acc__body { padding: 0 0 16px 48px; display: flex; flex-direction: column; gap: 10px; }
.cl-acc__body .cl-checks li { color: #E2E8F0; font-size: 14px; }
.cl-acc__body p { font-size: 14.5px; line-height: 1.5; color: #C3CCDA; }
.cl-acc__full { font-size: 14px; line-height: 1.45; color: #FFFFFF; }
.cl-acc__label { display: block; font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-gold); margin-bottom: 8px; }
/* cost table */
.cl-table { width: 100%; border-collapse: separate; border-spacing: 0; border: 1px solid var(--cl-line); border-radius: 14px; overflow: hidden; background: #FFFFFF; }
.cl-table thead th { background: var(--cl-pale); text-align: left; padding: 14px 20px; font-size: 13px; font-weight: 800; letter-spacing: .06em; color: var(--cl-ink3); }
.cl-table thead th:nth-child(2) { color: var(--cl-green); }
.cl-table thead th:nth-child(3) { color: var(--cl-navy); }
.cl-table tbody th, .cl-table tbody td { text-align: left; vertical-align: top; padding: 20px; border-top: 1px solid var(--cl-line); }
.cl-table tbody th { width: 40%; font-weight: 400; }
.cl-table__t { display: block; font-size: 17px; font-weight: 800; color: var(--cl-navy); }
.cl-table__d { display: block; margin-top: 4px; font-size: 14.5px; line-height: 1.5; color: var(--cl-ink3); }
.cl-pill { display: inline-flex; padding: 8px 12px; border-radius: 8px; font-size: 14.5px; font-weight: 700; line-height: 1.35; }
.cl-pill--y { background: #E8F7EF; color: var(--cl-green); }
.cl-pill--n { background: #EEF2F7; color: var(--cl-ink2); }
.cl-pill--m { background: #FFF3D6; color: #7A4E00; }
.cl-incl { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.cl-incl > div { padding: 26px; border-radius: 14px; display: flex; flex-direction: column; gap: 14px; }
.cl-incl > div:first-child { border: 1px solid var(--cl-green-bd); background: #F3FBF7; }
.cl-incl > div:last-child { border: 1px solid var(--cl-amber-bd); background: #FFFBF0; }
.cl-incl h3 { font-size: 20px; font-weight: 800; }
.cl-incl > div:first-child h3 { color: var(--cl-green); }
.cl-incl > div:last-child h3 { color: #7A4E00; }
.cl-incl li { display: flex; gap: 12px; font-size: 16px; line-height: 1.5; color: var(--cl-ink2); }
.cl-incl li svg { margin-top: 2px; }
.cl-iconbox { width: 44px; height: 44px; border-radius: 10px; background: #EEF4FF; display: flex; align-items: center; justify-content: center; flex: none; }
.cl-tick { flex: none; width: 28px; height: 28px; border-radius: 99px; background: #E8F7EF; display: flex; align-items: center; justify-content: center; }
.cl-qnum { font-family: var(--cl-head); font-size: 34px; font-weight: 900; line-height: 1; color: var(--cl-blue); }
.cl-start { margin-top: 14px; padding: 20px 24px; border-radius: 14px; background: #EEF4FF; border: 1px solid #C9DAFF; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 16px 20px; }
.cl-start span { font-size: 17px; font-weight: 700; color: var(--cl-navy); }
.cl-faq { border-bottom: 1px solid var(--cl-line); }
.cl-faq details { border-top: 1px solid var(--cl-line); padding: 4px 0; }
.cl-faq summary { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 60px; cursor: pointer; list-style: none; font-size: 18px; font-weight: 700; color: var(--cl-navy); }
.cl-faq summary::-webkit-details-marker { display: none; }
.cl-faq details[open] .cl-chev { transform: rotate(180deg); }
.cl-faq details p { margin: 0 0 18px; max-width: 860px; font-size: 16.5px; line-height: 1.65; color: var(--cl-ink2); }
.cl-related { padding-top: 40px; padding-bottom: 40px; background: var(--cl-pale); border-top: 1px solid var(--cl-line); }
.cl-related a { padding: 22px; border: 1px solid var(--cl-line); border-radius: 14px; background: #FFFFFF; display: flex; gap: 14px; }
.cl-related a:hover { border-color: var(--cl-blue); color: inherit; }
.cl-chev { transition: transform .15s; }

/* =========================== Library (Privacy, Terms) =========================== */
.cl-libbar { background: var(--cl-pale); border-bottom: 1px solid var(--cl-line); padding-top: 24px; padding-bottom: 24px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 16px 24px; }
.cl-libbar__title { font-family: var(--cl-head); font-size: 28px; font-weight: 800; color: var(--cl-navy); margin-top: 10px; }
.cl-search { position: relative; width: 440px; max-width: 100%; }
.cl-search__box { display: flex; align-items: center; gap: 10px; height: 48px; padding: 0 16px; border: 1px solid #CBD5E3; border-radius: 10px; background: #FFFFFF; }
.cl-search__box input { flex-grow: 1; min-width: 0; border: 0; outline: none; background: transparent; font-family: inherit; font-size: 15px; color: var(--cl-navy); }
.cl-search__results { position: absolute; z-index: 20; left: 0; right: 0; top: 54px; max-height: 360px; overflow: auto; background: #FFFFFF; border: 1px solid #CBD5E3; border-radius: 10px; box-shadow: 0 18px 40px rgba(11,26,46,.14); padding: 6px; }
.cl-search__results[hidden] { display: none; }
.cl-search__results a { display: flex; flex-direction: column; gap: 2px; padding: 10px 12px; border-radius: 8px; }
.cl-search__results a:hover, .cl-search__results a:focus { background: #EEF4FF; color: inherit; outline: none; }
.cl-search__results b { font-size: 15px; color: var(--cl-navy); }
.cl-search__results span { font-size: 13px; color: var(--cl-ink3); }
.cl-search__results p { padding: 10px 12px; font-size: 14px; color: var(--cl-ink3); }
.cl-lib { background: var(--cl-mist); padding-top: 40px; padding-bottom: 64px; display: grid; grid-template-columns: 320px minmax(0, 1fr); gap: 40px; align-items: start; }
.cl-rail { display: flex; flex-direction: column; gap: 6px; }
.cl-rail__label { padding: 0 16px 8px; font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-ink3); }
.cl-rail__label--sep { padding-top: 18px; margin-top: 10px; border-top: 1px solid #DCE3EC; }
.cl-rail__cur { display: flex; flex-direction: column; gap: 10px; padding: 16px; border-radius: 12px; background: #FFFFFF; border: 1px solid var(--cl-line); }
.cl-rail__cur > a { display: flex; align-items: center; gap: 10px; font-size: 16px; font-weight: 800; }
.cl-rail__toc { display: flex; flex-direction: column; margin-left: 4px; }
.cl-rail__toc a { display: flex; gap: 10px; padding: 7px 10px 7px 14px; border-left: 2px solid #DCE3EC; font-size: 14.5px; line-height: 1.35; color: var(--cl-ink3); }
.cl-rail__toc a span { flex: none; width: 28px; color: #8E9AAE; font-variant-numeric: tabular-nums; }
.cl-rail__toc a.is-active { border-left-color: var(--cl-blue); color: var(--cl-navy); font-weight: 700; }
.cl-rail__doc { display: flex; gap: 12px; padding: 14px 16px; border-radius: 12px; }
.cl-rail__doc:hover { background: #FFFFFF; }
.cl-rail__doc b { display: block; font-size: 16px; }
.cl-rail__doc small { display: block; margin-top: 3px; font-size: 14px; line-height: 1.45; color: var(--cl-ink3); }
.cl-rail__fee { display: flex; align-items: center; justify-content: space-between; gap: 10px; padding: 12px 16px; border-radius: 10px; font-size: 15px; font-weight: 700; }
.cl-rail__fee:hover { background: #FFFFFF; }
.cl-rail__ask { margin-top: 14px; padding: 18px; border-radius: 12px; background: var(--cl-navy); display: flex; flex-direction: column; gap: 10px; }
.cl-rail__ask b { font-size: 16px; color: #FFFFFF; }
.cl-rail__ask a { display: flex; align-items: center; gap: 8px; font-size: 18px; font-weight: 800; color: var(--cl-gold); }
.cl-rail__ask a:hover { color: #FFFFFF; }
.cl-rail__ask span { font-size: 13.5px; color: #AFC0DA; }
.cl-sheet { background: #FFFFFF; border: 1px solid #DCE3EC; border-radius: 6px; box-shadow: 0 24px 48px rgba(11,26,46,.08); padding: 56px 64px 64px; min-width: 0; }
.cl-sheet__top { display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; }
.cl-sheet__top > div:first-child { flex: 1 1 auto; min-width: 0; }
.cl-sheet__tools { flex: none; }
.cl-sheet__kicker { font-size: 13px; font-weight: 800; letter-spacing: .1em; color: var(--cl-blue); }
.cl-sheet .cl-h1 { font-size: 52px; margin-top: 12px; }
.cl-sheet .cl-lede { margin-top: 12px; max-width: 720px; font-size: 19px; }
.cl-meta { margin-top: 28px; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-top: 1px solid var(--cl-line); border-bottom: 1px solid var(--cl-line); }
.cl-meta > div { display: flex; flex-direction: column; gap: 4px; padding: 14px 18px; border-left: 1px solid var(--cl-line); }
.cl-meta dt { font-size: 12.5px; font-weight: 800; letter-spacing: .08em; color: var(--cl-ink3); }
.cl-meta dd { margin: 0; font-size: 15.5px; font-weight: 600; color: var(--cl-navy); }
.cl-glance { margin-top: 28px; padding: 22px 24px; border-radius: 12px; background: var(--cl-pale); border: 1px solid var(--cl-line); display: flex; flex-direction: column; gap: 14px; }
.cl-glance__label { font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-ink3); }
.cl-glance ul { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 32px; }
.cl-glance li { display: flex; gap: 12px; font-size: 15.5px; line-height: 1.45; color: var(--cl-navy); }
.cl-glance .cl-tick { width: 22px; height: 22px; }
/* the document itself: numbered from its headings */
.cl-doc { counter-reset: clsec; }
.cl-doc h2 { counter-increment: clsec; counter-reset: clsub; display: flex; gap: 16px; align-items: baseline; margin: 36px 0 14px; font-family: var(--cl-head); font-size: 26px; font-weight: 800; line-height: 1.2; color: var(--cl-navy); scroll-margin-top: 140px; }
.cl-doc h2::before { content: counter(clsec) "."; flex: none; min-width: 36px; color: var(--cl-blue); }
.cl-doc h3 { counter-increment: clsub; display: flex; gap: 12px; margin: 22px 0 10px 52px; font-size: 18px; font-weight: 800; line-height: 1.3; color: var(--cl-navy); scroll-margin-top: 140px; }
.cl-doc h3::before { content: counter(clsec) "." counter(clsub); flex: none; min-width: 36px; color: #6B7A90; font-weight: 700; }
.cl-doc p, .cl-doc ul, .cl-doc ol, .cl-doc .cl-note { margin-left: 52px; }
.cl-doc p { margin-top: 0; margin-bottom: 14px; font-size: 16.5px; line-height: 1.65; color: var(--cl-ink2); }
.cl-doc ul, .cl-doc ol { display: flex; flex-direction: column; gap: 10px; margin-bottom: 14px; }
.cl-doc li { position: relative; padding-left: 18px; font-size: 16.5px; line-height: 1.55; color: var(--cl-ink2); }
.cl-doc li::before { content: ""; position: absolute; left: 0; top: 11px; width: 6px; height: 6px; border-radius: 99px; background: var(--cl-blue); }
.cl-doc a { color: var(--cl-blue-ink); text-decoration: underline; text-underline-offset: 3px; }
.cl-doc strong { color: var(--cl-navy); }
.cl-doc .cl-short { padding: 14px 18px; border-radius: 10px; background: #EEF4FF; font-size: 16px; line-height: 1.5; color: var(--cl-navy); }
.cl-doc .cl-short::before { content: "In short: "; font-weight: 800; color: var(--cl-blue-ink); }
.cl-doc .cl-note { padding: 18px 20px; border: 1px solid #C9DAFF; border-radius: 12px; background: #EEF4FF; margin-bottom: 14px; }
.cl-doc .cl-note p { margin: 0; font-size: 16px; color: var(--cl-navy); }
.cl-doc .cl-note strong:first-child { display: block; margin-bottom: 6px; font-size: 13px; letter-spacing: .06em; text-transform: uppercase; color: var(--cl-blue-ink); }
.cl-ask { margin-top: 48px; padding: 28px 32px; border-radius: 14px; background: var(--cl-navy); display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 20px 24px; }
.cl-ask b { display: block; font-family: var(--cl-head); font-size: 24px; font-weight: 800; color: #FFFFFF; }
.cl-ask span { display: block; margin-top: 6px; font-size: 15.5px; line-height: 1.5; color: #C3CCDA; }
.cl-ask .cl-btn { min-height: 48px; }
.cl-pn { margin-top: 24px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.cl-pn a, .cl-pn > span { padding: 18px 20px; border: 1px solid var(--cl-line); border-radius: 12px; display: flex; justify-content: space-between; align-items: center; gap: 14px; }
.cl-pn > span { border-style: dashed; font-size: 14.5px; color: #8E9AAE; }
.cl-pn a:hover { border-color: var(--cl-blue); color: inherit; }
.cl-pn small { display: block; font-size: 13px; font-weight: 700; color: var(--cl-ink3); }
.cl-pn b { display: block; font-size: 18px; font-weight: 800; color: var(--cl-navy); }

/* =========================== Tablet =========================== */
@media (max-width: 1180px) {
	.cl-page { --cl-pad: 40px; }
	.cl-hero__grid { grid-template-columns: minmax(0, 1fr); gap: 28px; align-items: start; }
	.cl-flow { grid-template-columns: repeat(3, minmax(0, 1fr)); }
	.cl-flow__arrow { display: none; }
	.cl-steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
	.cl-grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
	.cl-lib { grid-template-columns: 260px minmax(0, 1fr); gap: 24px; }
	.cl-sheet { padding: 40px 40px 48px; }
	.cl-meta { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
/* =========================== Phone =========================== */
@media (max-width: 760px) {
	.cl-page { --cl-pad: 20px; }
	.cl-page .cl-only-desk { display: none !important; }
	.cl-page .cl-only-mob { display: block !important; }
	.cl-h1 { font-size: 38px; }
	.cl-h2 { font-size: 30px; }
	.cl-talk .cl-h2, .cl-band--navy .cl-h2, .cl-h2--md, .cl-h2--sm { font-size: 28px; }
	.cl-h3 { font-size: 21px; }
	.cl-lede { font-size: 18px; }
	.cl-section { padding-top: 40px; padding-bottom: 40px; }
	.cl-hero { padding-bottom: 36px; gap: 22px; }
	.cl-card, .cl-cd-sec { padding: 22px; }
	.cl-cd-sec > h2 { font-size: 21px; }
	.cl-grid, .cl-grid--3, .cl-grid--4, .cl-claims, .cl-incl, .cl-pn { grid-template-columns: minmax(0, 1fr); }
	.cl-flow { grid-template-columns: minmax(0, 1fr); }
	.cl-flow li { min-height: 0; }
	.cl-cap__legend { grid-template-columns: repeat(2, minmax(0, 1fr)); }
	.cl-steps { display: none; }
	.cl-btn { white-space: normal; }
	.cl-table thead { display: none; }
	.cl-table, .cl-table tbody, .cl-table tr, .cl-table th, .cl-table td { display: block; width: 100%; }
	.cl-table { border: 0; background: transparent; }
	.cl-table tbody { display: flex; flex-direction: column; gap: 12px; }
	.cl-table tr { padding: 20px; border: 1px solid var(--cl-line); border-radius: 14px; background: #FFFFFF; }
	.cl-table tbody th, .cl-table tbody td { padding: 0; border: 0; width: 100%; }
	.cl-table tbody td::before { content: attr(data-label); display: block; margin: 12px 0 6px; font-size: 12.5px; font-weight: 800; letter-spacing: .06em; }
	.cl-table tbody td:nth-of-type(1)::before { color: var(--cl-green); }
	.cl-table tbody td:nth-of-type(2)::before { color: var(--cl-navy); }
	.cl-talk, .cl-band--navy { padding-top: 40px; padding-bottom: 40px; }
	.cl-faq summary { font-size: 16.5px; }
	.cl-libbar__title { font-size: 24px; }
	.cl-search { width: 100%; }
	.cl-lib { grid-template-columns: minmax(0, 1fr); padding-top: 20px; padding-bottom: 40px; gap: 16px; }
	.cl-rail { position: static; max-height: none; overflow: visible; }
	.cl-rail .cl-rail__toc { display: none; }
	.cl-rail.is-open .cl-rail__toc { display: flex; }
	.cl-rail__tocbtn { display: flex !important; }
	.cl-rail__ask { display: none; }
	.cl-sheet { padding: 28px 20px 36px; border-radius: 6px; }
	.cl-sheet .cl-h1 { font-size: 36px; }
	.cl-sheet .cl-lede { font-size: 17px; }
	.cl-sheet__top { flex-direction: column; gap: 14px; }
	.cl-meta { grid-template-columns: repeat(2, minmax(0, 1fr)); }
	.cl-meta > div { padding: 12px 12px; }
	.cl-glance ul { grid-template-columns: minmax(0, 1fr); }
	.cl-doc h2 { font-size: 21px; gap: 10px; }
	.cl-doc h2::before { min-width: 28px; }
	.cl-doc h3 { margin-left: 0; font-size: 17px; }
	.cl-doc p, .cl-doc ul, .cl-doc ol, .cl-doc .cl-note { margin-left: 0; }
	.cl-ask { padding: 24px 20px; }
}
.cl-rail__tocbtn { display: none; align-items: center; justify-content: space-between; gap: 10px; width: 100%; min-height: 44px; padding: 0; border: 0; background: transparent; font-family: inherit; font-size: 14px; font-weight: 700; color: var(--cl-blue-ink); cursor: pointer; }
.cl-rail.is-open .cl-rail__tocbtn .cl-chev { transform: rotate(180deg); }

@media print {
	.cl-libbar, .cl-rail, .cl-ask, .cl-pn, .cl-sheet__tools { display: none !important; }
	.cl-lib { display: block; background: #FFFFFF; padding: 0; }
	.cl-sheet { border: 0; box-shadow: none; padding: 0; }
}
/* numbering of the Costs disclosure "terms around it" cards */
.cl-cd-rest { counter-reset: cd; }
.cl-cd-rest .cl-cd-sec:not(.cl-wide)::before { counter-increment: cd; content: counter(cd, decimal-leading-zero); font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--cl-blue); }
.cl-cd-sec > p:first-child:empty, .cl-cd-sec br:first-child { display: none; }
/* the site's accessibility sheet sets a[href^="tel:"] { min-height: 24px !important }; keep our buttons full height */
.cl-page a.cl-btn { min-height: 52px !important; }
.cl-page .cl-ask a.cl-btn { min-height: 48px !important; }
/* the .cl-page figure reset is more specific than .cl-cap */
.cl-page .cl-cap { padding: 24px; }
@media (max-width: 760px) { .cl-page .cl-cap { padding: 18px; } }

/* Costs disclosure: the numbered sections flow in two balanced columns instead of a grid with gaps */
.cl-grid.cl-cd-rest { display: block; column-count: 2; column-gap: 20px; }
.cl-cd-rest .cl-cd-sec { break-inside: avoid; margin: 0 0 20px; }
.cl-cd-rest .cl-cd-sec.cl-wide { column-span: all; margin: 20px 0 0; }
@media (max-width: 760px) { .cl-grid.cl-cd-rest { column-count: 1; } }

/* ---- Library sidebar, revised 1 Oct 2026: a compact sticky "On this page" list; documents switch in the top bar ---- */
.cl-libbar { align-items: flex-end; }
.cl-libbar__main { display: flex; flex-direction: column; min-width: 0; }
.cl-doctabs { margin-top: 14px; display: flex; flex-wrap: wrap; align-items: center; gap: 6px; }
.cl-doctabs a { display: inline-flex; align-items: center; gap: 8px; min-height: 40px; padding: 0 14px; border-radius: 999px; border: 1px solid #CBD5E3; background: #FFFFFF; font-size: 14.5px; font-weight: 700; color: var(--cl-navy); }
.cl-doctabs a:hover { border-color: var(--cl-blue); color: var(--cl-blue); }
.cl-doctabs a[aria-current] { background: var(--cl-navy); border-color: var(--cl-navy); color: #FFFFFF; }
.cl-doctabs a.cl-doctabs__fee { border-color: transparent; background: transparent; color: var(--cl-ink3); font-weight: 600; padding: 0 10px; }
.cl-doctabs a.cl-doctabs__fee:hover { color: var(--cl-blue); }
.cl-doctabs__sep { width: 1px; height: 22px; background: #CBD5E3; margin: 0 6px; }
.cl-lib { grid-template-columns: 260px minmax(0, 1fr); }
.cl-rail { position: sticky; top: 150px; align-self: start; gap: 0; padding: 4px 0; }
.cl-rail .cl-rail__label { padding: 0 0 10px 14px; }
.cl-rail__progress { height: 3px; margin: 0 0 10px 14px; border-radius: 99px; background: #DCE3EC; overflow: hidden; }
.cl-rail__progress span { display: block; height: 3px; width: 0; background: var(--cl-blue); border-radius: 99px; transition: width .1s linear; }
.cl-rail__toc { margin: 0; max-height: calc(100vh - 260px); overflow-y: auto; scrollbar-width: thin; scrollbar-color: #CBD5E3 transparent; }
.cl-rail__toc a { padding: 6px 10px 6px 14px; gap: 8px; font-size: 14px; line-height: 1.3; border-left: 2px solid #DCE3EC; }
.cl-rail__toc a em { font-style: normal; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.cl-rail__toc a span { width: 24px; }
.cl-rail__toc a:hover { color: var(--cl-navy); border-left-color: #8E9AAE; }
.cl-rail__toc a.is-active { background: #FFFFFF; border-radius: 0 8px 8px 0; }
.cl-rail__top { display: inline-flex; align-items: center; gap: 6px; margin: 14px 0 0 14px; font-size: 13.5px; font-weight: 700; color: var(--cl-ink3); }
.cl-rail__top svg { transform: rotate(180deg); }
.cl-rail__top:hover { color: var(--cl-blue); }
@media (max-width: 1180px) { .cl-lib { grid-template-columns: 220px minmax(0, 1fr); } }
@media (max-width: 760px) {
	.cl-libbar { align-items: stretch; }
	.cl-doctabs { gap: 6px; }
	.cl-doctabs__sep { display: none; }
	.cl-lib { grid-template-columns: minmax(0, 1fr); }
	.cl-rail { position: static; padding: 0; border: 1px solid var(--cl-line); border-radius: 12px; background: #FFFFFF; }
	.cl-rail .cl-rail__label, .cl-rail__progress, .cl-rail__top { display: none; }
	.cl-rail__tocbtn { padding: 0 16px !important; min-height: 52px !important; }
	.cl-rail__toc { max-height: none; padding: 0 12px 12px; }
	.cl-rail__toc a em { white-space: normal; }
}
.cl-lib { grid-template-columns: 280px minmax(0, 1fr); }
.cl-rail__toc a span { width: 30px; white-space: nowrap; }
.cl-rail__toc a { font-size: 13.5px; }
@media (max-width: 1180px) { .cl-lib { grid-template-columns: 230px minmax(0, 1fr); } }
@media (max-width: 760px) {
	.cl-lib { grid-template-columns: minmax(0, 1fr); }
	.cl-doctabs a.cl-doctabs__fee { padding: 0 6px; font-size: 13.5px; min-height: 36px; }
}
.cl-rail { top: 180px; }
.cl-rail__toc { max-height: calc(100vh - 300px); }

/* ---- Document typography, refined 1 Oct 2026 (Privacy policy, Terms of use) ---- */
.cl-doc { margin-top: 8px; }
.cl-doc > h2 { display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: 14px; align-items: center; margin: 48px 0 18px; padding-top: 40px; border-top: 1px solid var(--cl-line); font-size: 25px; letter-spacing: -.01em; }
.cl-doc > h2:first-child { margin-top: 36px; }
.cl-doc > h2::before { content: counter(clsec); min-width: 0; width: 40px; height: 40px; border-radius: 10px; background: #EEF4FF; color: var(--cl-blue); font-family: 'Inter', system-ui, sans-serif; font-size: 16px; font-weight: 800; display: flex; align-items: center; justify-content: center; }
.cl-doc > p, .cl-doc > ul, .cl-doc > ol, .cl-doc > .cl-note, .cl-doc > h3 { margin-left: 54px; max-width: 70ch; }
.cl-doc > p { margin-bottom: 16px; font-size: 17px; line-height: 1.75; color: #3C4657; }
.cl-doc > h2 + p { color: #1F2A3C; }
.cl-doc > h3 { display: flex; align-items: baseline; gap: 10px; margin-top: 30px; margin-bottom: 10px; font-size: 17.5px; letter-spacing: -.005em; }
.cl-doc > h3::before { min-width: 0; font-size: 13px; font-weight: 800; letter-spacing: .02em; color: var(--cl-blue); background: #F1F5FB; border-radius: 6px; padding: 3px 7px; }
.cl-doc > ul, .cl-doc > ol { gap: 0; margin-bottom: 18px; border-left: 2px solid #E6ECF5; padding: 4px 0 4px 18px; }
.cl-doc > ul li, .cl-doc > ol li { padding: 6px 0 6px 20px; font-size: 16.5px; line-height: 1.6; color: #3C4657; }
.cl-doc > ul li::before, .cl-doc > ol li::before { top: 18px; width: 8px; height: 2px; border-radius: 2px; background: var(--cl-blue); }
.cl-doc > ul li + li { border-top: 1px dashed #EDF1F7; }
.cl-doc a { color: var(--cl-blue-ink); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.cl-doc a:hover { color: var(--cl-blue); }
.cl-doc strong { font-weight: 700; color: var(--cl-navy); }
.cl-doc > .cl-short { display: block; margin-top: 4px; margin-bottom: 20px; padding: 14px 18px 14px 18px; border-left: 4px solid var(--cl-blue); border-radius: 0 10px 10px 0; background: #F4F7FF; font-size: 16px; line-height: 1.6; color: var(--cl-navy); }
.cl-doc > .cl-short::before { content: "In short"; display: block; margin-bottom: 4px; font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--cl-blue-ink); }
.cl-doc > .cl-note { margin-bottom: 18px; padding: 16px 18px; border: 0; border-left: 4px solid #8A5A00; border-radius: 0 10px 10px 0; background: #FFF8E6; }
.cl-doc > .cl-note p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--cl-navy); }
.cl-doc > .cl-note strong:first-child { display: block; margin-bottom: 4px; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; color: #8A5A00; }
@media (max-width: 760px) {
	.cl-doc > h2 { grid-template-columns: 34px minmax(0, 1fr); gap: 12px; margin-top: 36px; padding-top: 28px; font-size: 21px; }
	.cl-doc > h2::before { width: 34px; height: 34px; font-size: 14px; }
	.cl-doc > p, .cl-doc > ul, .cl-doc > ol, .cl-doc > .cl-note, .cl-doc > h3 { margin-left: 0; }
	.cl-doc > p { font-size: 16.5px; line-height: 1.7; }
	.cl-doc > ul, .cl-doc > ol { padding-left: 14px; }
}