:root{
  --navy:#041E42;--blue:#1B4F8A;--blue2:#2B6CB0;--red:#C8102E;--red2:#9E1026;
  --white:#ffffff;--ink:#142033;--muted:#667386;--line:#D9E0E8;--soft:#F5F7FA;--soft2:#E7EDF4;
  --max:1240px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--soft);color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;line-height:1.58}
a{color:inherit;text-decoration:none}a:hover{color:var(--red)}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.rule{border-top:1px solid var(--line)}
.topline{background:var(--navy);color:#fff;font-size:11px;letter-spacing:.095em;text-transform:uppercase;border-top:4px solid var(--red)}
.topline .wrap{display:flex;justify-content:space-between;gap:20px;padding-top:8px;padding-bottom:8px}.topline span:first-child{font-weight:800}.topline span:last-child{color:#E6EDF6}
.mast{background:#fff;border-bottom:1px solid #CBD5E1;position:relative}.mast:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:3px;background:linear-gradient(90deg,var(--red) 0 33.33%,#fff 33.33% 66.66%,var(--blue) 66.66% 100%)}
.mast .wrap{display:grid;grid-template-columns:300px 1fr 250px;align-items:center;min-height:116px;gap:20px}
.brand{font-family:Georgia,'Times New Roman',serif;font-weight:800;font-size:33px;letter-spacing:-.035em;color:var(--blue)}.brand .us{color:var(--red)}
.brand small{display:block;font:800 10px Inter,Arial,sans-serif;letter-spacing:.19em;text-transform:uppercase;color:#52657A;margin-top:4px}
.mast-title{text-align:center;display:flex;flex-direction:column;align-items:center;gap:4px}.mast-title .stars{color:var(--red);font-size:11px;letter-spacing:.45em;margin-left:.45em}.mast-title strong{font-family:Georgia,'Times New Roman',serif;font-size:15px;letter-spacing:.16em;text-transform:uppercase;color:var(--navy)}.mast-title .motto{font-size:9px;letter-spacing:.16em;text-transform:uppercase;color:#718198}
.mast-actions{display:flex;justify-content:flex-end;gap:8px}.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--blue);padding:10px 15px;font-weight:800;font-size:11px;letter-spacing:.06em;text-transform:uppercase;background:#fff;color:var(--blue)}.btn.dark{background:var(--blue);border-color:var(--blue);color:#fff}.btn:hover{background:var(--red);border-color:var(--red);color:#fff}
.nav{background:var(--navy);border-bottom:3px solid var(--red)}.nav .wrap{display:flex;align-items:center;gap:0;overflow:auto}.nav a{white-space:nowrap;padding:13px 16px;font-weight:800;font-size:11px;color:#fff;border-right:1px solid rgba(255,255,255,.12);text-transform:uppercase;letter-spacing:.06em}.nav a:first-child{border-left:1px solid rgba(255,255,255,.12)}.nav a:hover{background:var(--blue2);color:#fff}
.ticker{background:#EEF3F8;border-bottom:1px solid #CAD5E2}.ticker .wrap{display:flex;gap:26px;overflow:auto;padding-top:8px;padding-bottom:8px;font-size:11px;color:#334A62}.ticker b{color:var(--red)}
.hero{background:var(--navy);color:#fff;border-bottom:5px solid var(--red);position:relative;overflow:hidden}.hero:before{content:"★★★★★";position:absolute;right:3%;top:18px;font-size:58px;letter-spacing:.1em;color:rgba(255,255,255,.035);transform:rotate(-8deg);white-space:nowrap}.hero:after{content:"";position:absolute;right:-60px;bottom:-72px;width:370px;height:220px;background:repeating-linear-gradient(0deg,rgba(255,255,255,.055) 0 12px,rgba(255,255,255,0) 12px 24px);transform:rotate(-11deg)}
.hero-grid{display:grid;grid-template-columns:1.55fr .75fr;gap:38px;padding:50px 0 42px;position:relative;z-index:1}.eyebrow{font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.19em;color:var(--red);margin-bottom:12px}.hero .eyebrow{color:#FFE3E8}.hero h1,.page-head h1{font-family:Georgia,'Times New Roman',serif;font-size:60px;line-height:.98;letter-spacing:-.045em;margin:0 0 18px}.hero h1{color:#fff;max-width:900px}.hero p.lead{font-family:Georgia,'Times New Roman',serif;font-size:21px;max-width:850px;color:#DDE7F2}.byline{display:flex;gap:15px;align-items:center;font-size:12px;color:#C9D5E3;padding-top:18px;border-top:1px solid rgba(255,255,255,.2);margin-top:28px}.byline b{color:#fff}.stamp{width:42px;height:42px;border:2px solid var(--red);display:grid;place-items:center;font-family:Georgia,serif;font-weight:800;color:#fff;background:rgba(200,16,46,.20)}
.hero-side{border-left:1px solid rgba(255,255,255,.2);padding-left:28px}.hero-side h3{font:900 11px Inter,Arial,sans-serif;text-transform:uppercase;letter-spacing:.13em;margin:0 0 16px;color:#fff}.brief{padding:15px 0;border-top:1px solid rgba(255,255,255,.18)}.brief:first-of-type{border-top:3px solid var(--red)}.brief b{font-family:Georgia,serif;font-size:19px;display:block;line-height:1.2;color:#fff}.brief span{font-size:12px;color:#CCD7E4}
.section{padding:44px 0}.section-title{display:flex;justify-content:space-between;align-items:end;border-bottom:3px solid var(--blue);padding-bottom:10px;margin-bottom:22px}.section-title h2{font-family:Georgia,serif;font-size:31px;margin:0;letter-spacing:-.025em;color:var(--navy)}.section-title a{font-size:10px;text-transform:uppercase;font-weight:900;letter-spacing:.09em;color:var(--red)}
.front-grid{display:grid;grid-template-columns:1.1fr .9fr .75fr;gap:28px}.feature{border-right:1px solid var(--line);padding-right:28px}.feature h3{font-family:Georgia,serif;font-size:34px;line-height:1.03;margin:8px 0 12px;color:var(--navy)}.feature p{color:#48586A}.metric-strip{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:20px;background:#fff}.metric{padding:14px;border-right:1px solid var(--line)}.metric:last-child{border-right:0}.metric strong{display:block;font-family:Georgia,serif;font-size:24px;color:var(--blue)}.metric span{font-size:9px;text-transform:uppercase;letter-spacing:.09em;color:var(--muted)}
.list-card{padding:14px 0;border-top:1px solid var(--line)}.list-card:first-child{border-top:3px solid var(--red)}.list-card h4{font-family:Georgia,serif;font-size:19px;line-height:1.2;margin:0 0 7px;color:var(--navy)}.meta{font-size:10px;text-transform:uppercase;letter-spacing:.075em;color:var(--muted)}
.rating-ledger{border:1px solid #CAD5E2;background:#fff;box-shadow:0 7px 20px rgba(4,30,66,.07)}.rating-ledger .head{padding:14px 16px;background:var(--blue);color:#fff;font-size:10px;text-transform:uppercase;letter-spacing:.12em;font-weight:900;border-bottom:3px solid var(--red)}.bankrow{display:grid;grid-template-columns:44px 1fr auto;align-items:center;gap:12px;padding:14px 15px;border-top:1px solid var(--line)}.bankmark{width:40px;height:40px;border:1px solid #BEC9D6;display:grid;place-items:center;font-family:Georgia,serif;font-weight:800;background:#F8FAFC;color:var(--blue)}.bankrow strong{font-family:Georgia,serif;color:var(--navy)}.score{font:bold 20px Georgia,serif;color:var(--red)}
.matrix{width:100%;border-collapse:collapse;background:#fff;font-size:13px;box-shadow:0 6px 18px rgba(4,30,66,.05)}.matrix th,.matrix td{border:1px solid var(--line);padding:13px 12px;text-align:left;vertical-align:top}.matrix th{background:var(--blue);color:#fff;text-transform:uppercase;font-size:9px;letter-spacing:.08em}.matrix td:first-child{font-family:Georgia,serif;font-size:17px;font-weight:800;color:var(--navy)}.tag{display:inline-block;border:1px solid var(--blue);color:var(--blue);font-size:9px;text-transform:uppercase;font-weight:900;letter-spacing:.07em;padding:3px 6px;background:#F4F8FD}.tag.ox{border-color:var(--red);color:var(--red);background:#FFF5F7}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:32px}.panel{background:#fff;border:1px solid var(--line);padding:26px;box-shadow:0 6px 18px rgba(4,30,66,.05);border-top:4px solid var(--blue)}.panel h3{font-family:Georgia,serif;font-size:24px;margin-top:0;color:var(--navy)}.number-list{counter-reset:item}.number-list .item{counter-increment:item;display:grid;grid-template-columns:42px 1fr;gap:12px;padding:15px 0;border-top:1px solid var(--line)}.number-list .item:before{content:counter(item,decimal-leading-zero);font:800 18px Georgia,serif;color:var(--red)}
.page-head{background:var(--navy);color:#fff;border-bottom:5px solid var(--red);padding:46px 0 38px;position:relative;overflow:hidden}.page-head:after{content:"★ ★ ★ ★ ★";position:absolute;right:5%;top:18px;color:rgba(255,255,255,.06);font-size:42px;letter-spacing:.12em}.page-head h1{font-size:49px;color:#fff;position:relative;z-index:1}.page-head p{max-width:820px;font-family:Georgia,serif;font-size:19px;color:#D8E3EF;position:relative;z-index:1}.breadcrumbs{font-size:9px;text-transform:uppercase;letter-spacing:.09em;color:#B9C9DB;margin-bottom:16px;position:relative;z-index:1}.breadcrumbs a{color:#fff}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:36px}.article{background:#fff;border:1px solid var(--line);padding:36px;box-shadow:0 6px 18px rgba(4,30,66,.045)}.article h2,.article h3{font-family:Georgia,serif;line-height:1.15;color:var(--navy)}.article h2{font-size:32px}.article h3{font-size:22px}.article p{color:#415164}.article .callout{border-left:5px solid var(--red);background:#F3F7FB;padding:17px 18px;margin:24px 0}.article .verdict{border:2px solid var(--blue);border-top:5px solid var(--red);padding:24px;margin-top:28px;background:#FBFCFE}.article .verdict h3{margin-top:0}.toc{border:1px solid var(--line);border-top:4px solid var(--blue);padding:18px;background:#F7F9FC}.toc b{font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:var(--blue)}.toc ol{margin-bottom:0;padding-left:20px}.toc a{font-size:13px}
.sidebar .box{border-top:4px solid var(--blue);padding:16px 0 20px;margin-bottom:24px}.sidebar h3{font-size:10px;text-transform:uppercase;letter-spacing:.11em;color:var(--navy)}.sidebar .stat{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding:9px 0;font-size:12px}.sidebar .stat strong{font-family:Georgia,serif;font-size:15px;color:var(--blue)}
.search{position:relative}.search input{width:100%;background:#fff;border:1px solid #C2CEDB;padding:11px 38px 11px 12px;font:inherit}.search input:focus{outline:2px solid rgba(27,79,138,.16);border-color:var(--blue)}.search button{position:absolute;right:0;top:0;height:100%;border:0;background:transparent;padding:0 12px;font-size:16px;color:var(--red)}.search-results{position:absolute;background:#fff;border:1px solid var(--line);z-index:20;left:0;right:0;top:42px;display:none}.search-results a{display:block;padding:10px 12px;border-top:1px solid #eef1f5;font-size:12px}.search-results a:first-child{border-top:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tile{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);padding:21px;min-height:190px;box-shadow:0 6px 18px rgba(4,30,66,.045)}.tile:nth-child(3n+2){border-top-color:var(--red)}.tile h3{font-family:Georgia,serif;font-size:23px;margin:5px 0 10px;color:var(--navy)}.tile p{font-size:13px;color:#566577}.tile .meta{margin-top:16px}
footer{background:var(--navy);color:#DEE7F1;margin-top:50px;border-top:6px solid var(--red)}.footer-top{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:34px;padding:44px 0}.footer-brand{font:800 30px Georgia,serif;color:#fff}.footer-brand:after{content:"  ★";color:var(--red);font-size:16px}.footer-brand p{font:13px Inter,Arial,sans-serif;color:#BDCBD9;max-width:360px}.footer-col h4{font-size:9px;text-transform:uppercase;letter-spacing:.13em;color:#fff}.footer-col a{display:block;font-size:12px;color:#D3DEE9;padding:4px 0}.footer-col a:hover{color:#FFD2DB}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:14px 0 24px;font-size:10px;color:#9AAEC3;display:flex;justify-content:space-between;gap:20px}
@media(max-width:900px){.mast .wrap{grid-template-columns:1fr auto}.mast-title{display:none}.hero-grid,.front-grid,.content-grid,.footer-top{grid-template-columns:1fr}.hero-side{border-left:0;padding-left:0;border-top:1px solid rgba(255,255,255,.2);padding-top:20px}.feature{border-right:0;padding-right:0}.grid3{grid-template-columns:1fr 1fr}.two-col{grid-template-columns:1fr}.hero h1,.page-head h1{font-size:43px}.mast-actions .btn.ghost{display:none}}
@media(max-width:620px){.wrap{padding:0 16px}.topline .wrap span:last-child{display:none}.mast .wrap{min-height:84px}.brand{font-size:26px}.hero-grid{padding:32px 0}.hero h1,.page-head h1{font-size:37px}.grid3{grid-template-columns:1fr}.matrix{font-size:11px}.matrix th,.matrix td{padding:9px 7px}.article{padding:21px}.footer-top{grid-template-columns:1fr 1fr}.footer-brand{grid-column:1/-1}}

/* Production foundation additions */
.skip-link{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}.skip-link:focus{left:16px;top:12px;width:auto;height:auto;z-index:9999;background:#fff;color:var(--navy);padding:10px 14px;border:2px solid var(--red);font-weight:800}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid rgba(200,16,46,.35);outline-offset:2px}
.nav a[aria-current="page"],.nav a.active{background:var(--red);color:#fff}
.footer-top{grid-template-columns:1.35fr repeat(4,1fr)}
.footer-bottom a{color:#DEE7F1;text-decoration:underline;text-underline-offset:2px}
.legal-copy h2{margin-top:34px;padding-top:8px;border-top:1px solid var(--line)}
.legal-copy h2:first-child{margin-top:0;border-top:0;padding-top:0}
.link-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px;margin:12px 0 30px}.link-grid a{padding:10px 0;border-bottom:1px solid var(--line);font-weight:700;color:var(--blue)}
.article table{max-width:100%}
@media(max-width:900px){.footer-top{grid-template-columns:repeat(2,1fr)}.footer-top>div:first-child{grid-column:1/-1}.nav .wrap{scrollbar-width:thin}.nav a{padding:12px 14px}}
@media(max-width:620px){.footer-top{grid-template-columns:1fr}.footer-top>div:first-child{grid-column:auto}.link-grid{grid-template-columns:1fr}.article .matrix{display:block;overflow-x:auto;white-space:normal}.topline{font-size:10px}}

/* Stage 2 bank directory */
.bank-identity{display:flex;gap:16px;align-items:center;margin-bottom:18px}.bankmark-lg{width:64px;height:64px;font-size:20px;border:2px solid var(--blue)}.bank-identity h2{margin:0}.bank-tile{display:block;min-height:220px}.compact-grid .tile{min-height:150px}.text-link{font-weight:800;color:var(--blue)}.related-block{margin-top:38px;padding-top:8px;border-top:1px solid var(--line)}
@media(max-width:900px){.nav .wrap{overflow-x:auto;white-space:nowrap}.nav a{flex:0 0 auto}}


/* Stage 18 — U.S. color identity refresh */
:root{
  --navy:#041E42;
  --blue:#1B4F8A;
  --blue2:#2B6CB0;
  --red:#C8102E;
  --red2:#9E1026;
  --ink:#142033;
  --muted:#667386;
  --line:#D9E0E8;
  --soft:#F5F7FA;
  --soft2:#E7EDF4;
  --steel:#718198;
  --liberty:#2B6CB0;
}
body{background:linear-gradient(180deg,#fff 0,#F5F7FA 460px,#F5F7FA 100%)}
.topline{background:var(--red);border-top:4px solid var(--navy);box-shadow:inset 0 -1px 0 rgba(255,255,255,.18)}
.topline .wrap{padding-top:7px;padding-bottom:7px}.topline span:last-child{color:#fff;opacity:.88}
.mast{background:#fff;border-bottom:1px solid #CBD5E1}.mast:after{height:4px;background:linear-gradient(90deg,var(--blue) 0 40%,#fff 40% 60%,var(--red) 60% 100%)}
.brand{color:var(--navy)}.brand .us{color:var(--red)}.brand small{color:#52657A}
.mast-title .stars{color:var(--red)}.mast-title strong{color:var(--navy)}
.btn{border-color:var(--blue);color:var(--blue);background:#fff}.btn.dark{background:var(--navy);border-color:var(--navy)}.btn:hover{background:var(--red);border-color:var(--red)}
.nav{background:var(--navy);border-bottom:4px solid var(--red);box-shadow:0 2px 8px rgba(4,30,66,.14)}
.nav a{border-right-color:rgba(255,255,255,.13)}.nav a:hover{background:var(--blue);color:#fff}.nav a[aria-current="page"],.nav a.active{background:var(--red)}
.ticker{background:#fff;border-bottom:1px solid #D9E0E8;box-shadow:0 2px 7px rgba(4,30,66,.04)}.ticker .wrap{color:#40536A}.ticker b{color:var(--red)}
.hero,.page-head{background:linear-gradient(112deg,#041E42 0%,#041E42 62%,#123A70 62%,#1B4F8A 100%);border-bottom:6px solid var(--red)}
.hero:before{content:"★  ★  ★  ★  ★  ★  ★";right:2%;top:14px;font-size:46px;letter-spacing:.14em;color:rgba(255,255,255,.055);transform:none}
.hero:after{right:-40px;bottom:-62px;width:420px;height:235px;background:repeating-linear-gradient(-13deg,rgba(200,16,46,.22) 0 13px,rgba(255,255,255,.035) 13px 26px);transform:none;clip-path:polygon(22% 0,100% 0,100% 100%,0 100%)}
.hero-grid{padding:58px 0 50px;gap:44px}.hero .eyebrow{display:inline-block;background:var(--red);color:#fff;padding:5px 9px;letter-spacing:.16em;margin-bottom:16px}
.hero h1{font-size:62px;max-width:860px}.hero p.lead{color:#E4ECF5}.stamp{border-color:#fff;background:var(--red);box-shadow:inset 0 0 0 2px rgba(255,255,255,.2)}
.hero-side{border:1px solid rgba(255,255,255,.18);border-top:4px solid #fff;padding:24px 25px;background:rgba(255,255,255,.055);box-shadow:0 14px 32px rgba(0,0,0,.10)}
.hero-side h3{padding-bottom:11px;border-bottom:1px solid rgba(255,255,255,.18)}.brief:first-of-type{border-top:3px solid var(--red)}
.section{padding:48px 0}.section-title{position:relative;border-bottom:1px solid var(--line);padding-bottom:12px}.section-title:after{content:"";position:absolute;left:0;bottom:-1px;width:86px;height:4px;background:linear-gradient(90deg,var(--red) 0 44%,var(--blue) 44% 100%)}
.section-title h2{color:var(--navy)}.section-title a{color:var(--red)}
.feature h3,.list-card h4,.panel h3,.tile h3,.article h2,.article h3{color:var(--navy)}
.metric-strip,.rating-ledger,.matrix,.panel,.article,.tile{box-shadow:0 8px 24px rgba(4,30,66,.055)}
.metric strong{color:var(--blue)}
.rating-ledger{border-color:#CAD5E2}.rating-ledger .head{background:var(--navy);border-bottom-color:var(--red)}.bankmark{border-color:#C5D0DC;background:#F8FAFC;color:var(--navy)}.score{color:var(--red);font-size:15px;text-transform:uppercase;letter-spacing:.045em}
.matrix th{background:var(--navy);border-color:#24476E}.matrix td:first-child{color:var(--navy)}
.panel,.tile{border-top-color:var(--blue)}.tile:nth-child(3n+2){border-top-color:var(--red)}
.page-head:before{content:"";position:absolute;left:0;bottom:0;width:34%;height:6px;background:#fff;opacity:.92}.page-head:after{content:"★ ★ ★ ★ ★ ★";right:4%;top:16px;font-size:38px;color:rgba(255,255,255,.07)}
.article .callout{border-left-color:var(--red);background:#F3F7FB}.article .verdict{border-color:var(--blue);border-top-color:var(--red);background:#FBFCFE}.toc{border-top-color:var(--blue);background:#F7F9FC}
.sidebar .box{border-top-color:var(--blue)}.sidebar .stat strong{color:var(--blue)}
.search input:focus{outline-color:rgba(27,79,138,.16)}
footer{background:#031A39;border-top:7px solid var(--red)}.footer-brand:after{color:#fff}.footer-col a:hover{color:#FFD2DB}

/* Homepage-specific American business treatment */
.home .mast .wrap{min-height:122px}.home .hero-grid{grid-template-columns:1.5fr .78fr}.home .hero h1{letter-spacing:-.048em}
.home .front-grid{grid-template-columns:1.12fr .88fr .78fr}.home .rating-ledger .head:before{content:"★ ";color:#fff}.home .feature{position:relative}.home .feature:before{content:"U.S. BUSINESS BANKING DESK";display:block;font-size:9px;font-weight:900;letter-spacing:.16em;color:var(--blue);margin-bottom:7px}
.home .metric-strip{border-top:3px solid var(--blue)}
.home .panel:last-child{border-top-color:var(--red)}

@media(max-width:900px){.hero,.page-head{background:linear-gradient(145deg,#041E42 0%,#0D3569 100%)}.hero-side{margin-top:4px}.home .hero-grid{grid-template-columns:1fr}}

/* Stage 22: editorial trust and desk profiles */
.article-trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trustbar-inner{display:flex;align-items:center;gap:22px;min-height:54px;font-size:11px;color:#516174;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.trust-author{display:flex;align-items:center;gap:9px;color:var(--navy);font-weight:700}.trust-author:hover{color:var(--red)}
.desk-mark,.author-mark{display:grid;place-items:center;background:var(--navy);color:#fff;border-bottom:3px solid var(--red);font-family:Georgia,serif;font-weight:800;letter-spacing:.03em}
.desk-mark{width:34px;height:34px;font-size:12px}.author-mark{width:68px;height:68px;font-size:20px;flex:0 0 auto}
.trust-item{padding-left:18px;border-left:1px solid var(--line)}.trust-item b{color:var(--navy);margin-right:3px}.trust-link{margin-left:auto;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.06em;font-size:9px}
.author-card{display:flex;gap:18px;align-items:flex-start;border:1px solid var(--line);border-top:4px solid var(--navy);padding:22px;margin-top:34px;background:#F8FAFC}
.author-card h3{margin:1px 0 6px;font-size:22px}.author-card p{margin:0 0 8px}.author-card .eyebrow{margin:0 0 3px;color:var(--red)}
.desk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0}.desk-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);padding:22px}.desk-card .author-mark{margin-bottom:15px}.desk-card h3{font-family:Georgia,serif;color:var(--navy);font-size:21px;margin:0 0 8px}.desk-card p{color:#526173;font-size:13px}.desk-card .meta{margin-bottom:0}
.profile-hero{display:grid;grid-template-columns:86px 1fr;gap:22px;align-items:center}.profile-hero .author-mark{width:82px;height:82px;font-size:24px}.profile-hero h1{margin-bottom:8px}.profile-hero p{margin:0}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px 0}.process-step{border:1px solid var(--line);background:#fff;padding:18px}.process-step b{display:block;color:var(--red);font-family:Georgia,serif;font-size:22px;margin-bottom:5px}.process-step strong{display:block;color:var(--navy);margin-bottom:6px}.process-step p{font-size:12px;color:#586779;margin:0}
.trust-pills{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0 0}.trust-pill{border:1px solid #C8D3DF;background:#F8FAFC;padding:5px 8px;font-size:9px;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:#41546B}
@media(max-width:900px){.desk-grid{grid-template-columns:1fr 1fr}.process-grid{grid-template-columns:1fr 1fr}.trust-link{margin-left:0}.profile-hero{grid-template-columns:70px 1fr}.profile-hero .author-mark{width:66px;height:66px}}
@media(max-width:620px){.desk-grid,.process-grid{grid-template-columns:1fr}.trustbar-inner{gap:10px}.trust-item{padding-left:0;border-left:0;width:100%}.author-card{flex-direction:column}.profile-hero{grid-template-columns:1fr}.profile-hero .author-mark{width:66px;height:66px}}


/* Stage 23: ad-ready placements and launch polish */
.ad-shell{max-width:1240px;margin:0 auto;padding:0 24px}
.ad-slot[data-ad-ready="false"]{display:none!important}
.ad-slot[data-ad-ready="true"]{display:block;margin:22px auto;padding:9px 10px 10px;border-top:1px solid #D9E0E8;border-bottom:1px solid #D9E0E8;background:#fff;min-height:112px;text-align:center;overflow:hidden}
.ad-label{display:block;margin:0 0 6px;font-size:8px;line-height:1;text-transform:uppercase;letter-spacing:.12em;color:#8793A2;text-align:center}
.article>.ad-shell{padding:0;max-width:none}
.article .ad-slot[data-ad-ready="true"]{margin:30px -8px}
.launch-note{font-size:11px;color:#667386}
@media(max-width:620px){.ad-shell{padding:0 16px}.article .ad-slot[data-ad-ready="true"]{margin:24px 0}.ad-slot[data-ad-ready="true"]{min-height:92px}}

/* Stage 23 mobile overflow fixes found during launch render QA */
@media(max-width:900px){
  .home .front-grid{grid-template-columns:1fr}
  .hero h1,.page-head h1{font-size:43px}
  .content-grid>*{min-width:0;max-width:100%}
  .article,.sidebar{min-width:0;max-width:100%}
}
@media(max-width:620px){
  .home .mast .wrap{min-height:84px}
  .hero h1,.page-head h1{font-size:37px}
  .home .front-grid{grid-template-columns:1fr}
  .content-grid,.content-grid>*{min-width:0;max-width:100%}
  .article,.sidebar{width:100%;min-width:0;max-width:100%}
}

/* Stage 25 — fully populated bank hubs */
.bank-quickfacts{margin:24px 0 28px}.bank-quickfacts .tile{padding:18px}.bank-quickfacts h3{font-size:19px;margin:6px 0 8px}.bank-quickfacts p{font-size:13px;margin:0}.bank-product-table{margin:18px 0 12px}.bank-review-link{margin-top:0!important}.content-grid>article.article{grid-column:1}.content-grid>aside.sidebar{grid-column:2}.bank-identity{margin-top:6px}
@media(max-width:900px){.content-grid>article.article,.content-grid>aside.sidebar{grid-column:1}.bank-quickfacts{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.bank-quickfacts{grid-template-columns:1fr}.bank-product-table{display:block;overflow-x:auto}}