/* CRITICAL: Force all sections visible - JS scroll animation not reliable in WP */
.fbar-page .content-section {
    opacity: 1 !important;
    transform: none !important;
}
.fbar-page .hero {
    opacity: 1 !important;
    transform: none !important;
}


/* CTA section - force all text white */
.fbar-page .cta-section,
.fbar-page .cta-section *:not(.cta-btn):not(a.cta-secondary) {
    color: #ffffff !important;
}
.fbar-page .cta-section .cta-btn {
    color: var(--navy-dark) !important;
    background: var(--gold) !important;
}
.fbar-page .cta-section a.cta-secondary {
    color: rgba(255,255,255,0.7) !important;
}
.fbar-page .cta-section strong {
    color: var(--gold) !important;
}




/* === FORCE VERTICAL LAYOUT === */
/* .page-wrapper is horizontal flex: sidebar + main-content side by side */
.fbar-page .page-wrapper {
    display: flex !important;
    flex-direction: row !important;
    max-width: 1200px !important;
    margin: 0 auto !important;
    flex-wrap: nowrap !important;
}
/* Sidebar on the left */
.fbar-page .sidebar {
    width: 280px !important;
    flex-shrink: 0 !important;
    flex-grow: 0 !important;
}
/* Main content takes remaining space and stacks children VERTICALLY */
.fbar-page .main-content {
    display: flex !important;
    flex-direction: column !important;
    flex: 1 1 0% !important;
    min-width: 0 !important;
    max-width: calc(100% - 280px) !important;
}
/* Every child of main-content must be full-width block, no side-by-side */
.fbar-page .main-content > * {
    display: block !important;
    width: 100% !important;
    flex-shrink: 0 !important;
    float: none !important;
}
.fbar-page .main-content > section,
.fbar-page .main-content > header,
.fbar-page .main-content > nav,
.fbar-page .main-content > div {
    display: block !important;
    width: 100% !important;
    clear: both !important;
}
/* Wrapper elements above .page-wrapper must be plain blocks */
.guide-content-wrapper {
    display: block !important;
    width: 100% !important;
    overflow: hidden !important;
}
.guide-content-wrapper > .fbar-page {
    display: block !important;
    width: 100% !important;
}
/* List resets */
.fbar-page ul, .fbar-page ol {
    list-style: revert !important;
    padding-left: 1.5rem !important;
    margin-bottom: 1.25rem !important;
}
.fbar-page li {
    list-style: inherit !important;
    margin-bottom: 0.5rem !important;
}
.fbar-page p {
    margin-bottom: 1.25rem !important;
}
.fbar-page table {
    border-collapse: collapse !important;
    width: 100% !important;
}
@media (max-width: 900px) {
    .fbar-page .page-wrapper {
        flex-direction: column !important;
    }
    .fbar-page .sidebar {
        display: none !important;
    }
    .fbar-page .main-content {
        max-width: 100% !important;
    }
}


/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: #1a1a2e;
  background: #ffffff;
  line-height: 1.7;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

/* ===== VARIABLES ===== */
:root {
  --navy: #1A3A5C;
  --navy-dark: #0f2840;
  --navy-light: #2a5a8c;
  --gold: #E5A419;
  --gold-light: #f5c842;
  --gold-pale: #fef7e0;
  --white: #ffffff;
  --gray-50: #f8f9fc;
  --gray-100: #f1f3f7;
  --gray-200: #e2e6ee;
  --gray-300: #c8cfdc;
  --gray-400: #9aa3b5;
  --gray-500: #6b7689;
  --gray-600: #4a5568;
  --gray-700: #334155;
  --gray-800: #1e293b;
  --red: #dc2626;
  --red-light: #fef2f2;
  --red-border: #fecaca;
  --green: #16a34a;
  --green-light: #f0fdf4;
  --green-border: #bbf7d0;
  --blue: #2563eb;
  --blue-light: #eff6ff;
  --blue-border: #bfdbfe;
  --amber-light: #fffbeb;
  --amber-border: #fde68a;
  --sidebar-w: 280px;
  --content-max: 780px;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.08), 0 2px 4px rgba(0,0,0,0.04);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.1), 0 4px 12px rgba(0,0,0,0.05);
  --transition: 0.2s ease;
}

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4 { font-family: 'Playfair Display', Georgia, serif; color: var(--navy); line-height: 1.25; }
h1 { font-size: 2.75rem; font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: 2rem; font-weight: 700; margin-bottom: 1rem; padding-top: 0.5rem; }
h3 { font-size: 1.4rem; font-weight: 600; margin-bottom: 0.75rem; margin-top: 2rem; }
p { margin-bottom: 1.25rem; color: var(--gray-700); }
a { color: var(--navy-light); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
strong { color: var(--gray-800); font-weight: 600; }
ul, ol { margin-bottom: 1.25rem; padding-left: 1.5rem; }
li { margin-bottom: 0.5rem; color: var(--gray-700); }

/* ===== PROGRESS BAR ===== */
.progress-bar {
  position: fixed; top: 0; left: 0; width: 0%; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  z-index: 10000; transition: width 0.1s linear;
  box-shadow: 0 0 10px rgba(229,164,25,0.4);
}

/* ===== NAV ===== */
.top-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 9999;
  background: rgba(255,255,255,0.92); backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--gray-200);
  padding: 0 2rem; height: 64px;
  display: flex; align-items: center; justify-content: space-between;
  transition: box-shadow var(--transition);
}
.top-nav.scrolled { box-shadow: var(--shadow-md); }
.nav-brand { display: flex; align-items: center; gap: 0.75rem; font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.nav-brand svg { width: 32px; height: 32px; }
.nav-cta {
  background: var(--navy); color: var(--white); padding: 0.5rem 1.25rem;
  border-radius: 8px; font-weight: 600; font-size: 0.875rem;
  transition: all var(--transition); border: none; cursor: pointer; text-decoration: none;
}
.nav-cta:hover { background: var(--navy-light); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }

/* ===== BREADCRUMBS ===== */
.breadcrumbs {
  font-size: 0.8rem; color: var(--gray-400); padding: 1rem 0 0;
  display: flex; align-items: center; gap: 0.4rem; flex-wrap: wrap;
}
.breadcrumbs a { color: var(--gray-500); }
.breadcrumbs a:hover { color: var(--gold); }
.breadcrumbs span { color: var(--gray-400); }

/* ===== LAYOUT ===== */
.page-wrapper {
  display: flex; max-width: 1200px; margin: 0 auto; padding-top: 64px;
}

/* Sidebar / TOC */
.sidebar {
  width: var(--sidebar-w); flex-shrink: 0; position: relative;
}
.sidebar-inner {
  position: sticky; top: 80px; padding: 2rem 1.5rem 2rem 2rem;
  max-height: calc(100vh - 96px); overflow-y: auto;
}
.sidebar-inner::-webkit-scrollbar { width: 3px; }
.sidebar-inner::-webkit-scrollbar-thumb { background: var(--gray-300); border-radius: 3px; }
.toc-label {
  font-size: 0.7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--gray-400); margin-bottom: 1rem;
}
.toc-list { list-style: none; padding: 0; }
.toc-list li { margin-bottom: 0; }
.toc-list a {
  display: block; padding: 0.4rem 0 0.4rem 1rem;
  font-size: 0.825rem; color: var(--gray-500); border-left: 2px solid transparent;
  transition: all var(--transition); line-height: 1.4;
}
.toc-list a:hover { color: var(--navy); border-left-color: var(--gray-300); }
.toc-list a.active { color: var(--navy); font-weight: 600; border-left-color: var(--gold); }

/* Main content */
.main-content {
  flex: 1; min-width: 0;
  padding: 0 2rem 4rem;
  max-width: var(--content-max);
}

/* ===== HERO ===== */
.hero {
  padding: 3rem 0 2rem; border-bottom: 1px solid var(--gray-200); margin-bottom: 3rem;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.4rem;
  background: var(--gold-pale); color: #92600e; font-size: 0.8rem; font-weight: 600;
  padding: 0.35rem 0.85rem; border-radius: 50px; margin-bottom: 1.25rem;
}
.hero h1 { margin-bottom: 1rem; }
.hero-subtitle {
  font-size: 1.2rem; color: var(--gray-500); line-height: 1.6;
  max-width: 640px; margin-bottom: 2rem;
}
.hero-meta {
  display: flex; flex-wrap: wrap; gap: 1.5rem; align-items: center;
  font-size: 0.85rem; color: var(--gray-500);
}
.hero-meta-item { display: flex; align-items: center; gap: 0.4rem; }
.hero-meta-item svg { width: 16px; height: 16px; color: var(--gray-400); }
.meta-divider { width: 1px; height: 16px; background: var(--gray-300); }
.difficulty-dots { display: flex; gap: 3px; }
.difficulty-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gray-300);
}
.difficulty-dot.filled { background: var(--gold); }

/* ===== SECTIONS ===== */
.content-section {
  margin-bottom: 3.5rem;
  opacity: 0; transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.content-section.visible { opacity: 1; transform: translateY(0); }
.section-number {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 8px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white); font-family: 'Inter', sans-serif;
  font-size: 0.8rem; font-weight: 700; margin-right: 0.75rem;
  vertical-align: middle; flex-shrink: 0;
}

/* ===== CALLOUT BOXES ===== */
.callout {
  padding: 1.25rem 1.5rem; border-radius: var(--radius);
  margin: 1.5rem 0; display: flex; gap: 1rem;
  border: 1px solid; position: relative;
}
.callout-icon {
  width: 24px; height: 24px; flex-shrink: 0; margin-top: 2px;
}
.callout-content { flex: 1; }
.callout-content p { margin-bottom: 0.5rem; }
.callout-content p:last-child { margin-bottom: 0; }
.callout-title { font-weight: 700; font-size: 0.9rem; margin-bottom: 0.25rem; }

.callout-tip { background: var(--green-light); border-color: var(--green-border); }
.callout-tip .callout-icon { color: var(--green); }
.callout-tip .callout-title { color: var(--green); }

.callout-warning { background: var(--amber-light); border-color: var(--amber-border); }
.callout-warning .callout-icon { color: #d97706; }
.callout-warning .callout-title { color: #92400e; }

.callout-danger { background: var(--red-light); border-color: var(--red-border); }
.callout-danger .callout-icon { color: var(--red); }
.callout-danger .callout-title { color: var(--red); }

.callout-info { background: var(--blue-light); border-color: var(--blue-border); }
.callout-info .callout-icon { color: var(--blue); }
.callout-info .callout-title { color: var(--blue); }

/* ===== FLOWCHART ===== */
.flowchart {
  display: flex; flex-direction: column; align-items: center;
  gap: 0; margin: 2rem 0; padding: 2rem;
  background: var(--gray-50); border-radius: var(--radius); border: 1px solid var(--gray-200);
}
.flow-node {
  padding: 1rem 1.75rem; border-radius: var(--radius);
  text-align: center; font-weight: 600; font-size: 0.95rem;
  max-width: 320px; width: 100%;
}
.flow-question {
  background: var(--white); border: 2px solid var(--navy);
  color: var(--navy); position: relative;
}
.flow-answer-yes {
  background: var(--green-light); border: 2px solid var(--green);
  color: var(--green);
}
.flow-answer-no {
  background: var(--gray-100); border: 2px solid var(--gray-400);
  color: var(--gray-600); font-weight: 500;
}
.flow-result {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white); border: none; font-size: 1rem;
}
.flow-arrow {
  display: flex; flex-direction: column; align-items: center;
  color: var(--gray-400); font-size: 0.75rem; font-weight: 600; padding: 0.25rem 0;
}
.flow-arrow svg { width: 20px; height: 20px; }
.flow-branch {
  display: flex; gap: 1rem; align-items: flex-start; width: 100%; max-width: 420px;
  justify-content: center;
}
.flow-branch .flow-answer-no { max-width: 180px; font-size: 0.85rem; padding: 0.75rem 1rem; }

/* ===== TABLES ===== */
.table-wrapper {
  overflow-x: auto; margin: 1.5rem 0;
  border-radius: var(--radius); border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}
table {
  width: 100%; border-collapse: collapse; font-size: 0.925rem;
}
thead { background: var(--navy); }
th {
  color: var(--white); font-weight: 600; text-align: left;
  padding: 0.85rem 1.25rem; font-size: 0.85rem;
  letter-spacing: 0.02em;
}
td {
  padding: 0.85rem 1.25rem; border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}
tbody tr:hover { background: var(--gray-50); }
tbody tr:last-child td { border-bottom: none; }
.status-yes { color: var(--green); font-weight: 700; }
.status-no { color: var(--gray-400); }
.table-note { font-size: 0.8rem; color: var(--gray-500); font-style: italic; }

/* ===== CHECKLIST ===== */
.checklist {
  list-style: none; padding: 0; margin: 1.5rem 0;
  background: var(--gray-50); border-radius: var(--radius);
  border: 1px solid var(--gray-200); padding: 1.5rem 2rem;
}
.checklist li {
  padding: 0.6rem 0; display: flex; align-items: flex-start; gap: 0.75rem;
  border-bottom: 1px solid var(--gray-100); color: var(--gray-700);
}
.checklist li:last-child { border-bottom: none; }
.check-box {
  width: 20px; height: 20px; border: 2px solid var(--gray-300);
  border-radius: 4px; flex-shrink: 0; margin-top: 2px;
  cursor: pointer; transition: all var(--transition);
  display: flex; align-items: center; justify-content: center;
}
.check-box.checked { background: var(--green); border-color: var(--green); }
.check-box.checked svg { display: block; }
.check-box svg { display: none; width: 14px; height: 14px; color: white; }

/* ===== STEP INDICATORS ===== */
.step-group { margin: 2rem 0; }
.step {
  display: flex; gap: 1.25rem; margin-bottom: 1.5rem;
  position: relative;
}
.step::before {
  content: ''; position: absolute;
  left: 19px; top: 44px; bottom: -12px;
  width: 2px; background: var(--gray-200);
}
.step:last-child::before { display: none; }
.step-number {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem; flex-shrink: 0;
  font-family: 'Inter', sans-serif;
  box-shadow: 0 2px 8px rgba(26,58,92,0.25);
}
.step-content { flex: 1; padding-top: 0.4rem; }
.step-content h4 {
  font-family: 'Inter', sans-serif; font-size: 1.05rem;
  font-weight: 700; color: var(--navy); margin-bottom: 0.4rem;
}
.step-content p { font-size: 0.95rem; margin-bottom: 0.5rem; }

/* ===== PRO TIPS GRID ===== */
.tips-grid {
  display: grid; grid-template-columns: 1fr; gap: 1rem; margin: 1.5rem 0;
}
.tip-card {
  padding: 1.25rem 1.5rem; border-radius: var(--radius);
  background: var(--white); border: 1px solid var(--gray-200);
  display: flex; gap: 1rem; align-items: flex-start;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}
.tip-card:hover { box-shadow: var(--shadow-md); border-color: var(--gold); }
.tip-num {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--gold-pale); color: #92600e;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.8rem; flex-shrink: 0;
  font-family: 'Inter', sans-serif;
}
.tip-text { font-size: 0.95rem; color: var(--gray-700); }
.tip-text strong { color: var(--gray-800); }

/* ===== MISTAKES LIST ===== */
.mistakes-list {
  list-style: none !important; padding: 0 !important; margin: 1.5rem 0;
  counter-reset: mistakes;
}
.mistakes-list li {
  counter-increment: mistakes; padding: 1rem 1.25rem 1rem 3.5rem;
  margin-bottom: 0.75rem; background: var(--red-light);
  border-radius: var(--radius-sm); border: 1px solid var(--red-border);
  position: relative; font-size: 0.95rem; color: var(--gray-700);
  list-style-type: none !important;
}
.fbar-page .mistakes-list,
.fbar-page .mistakes-list li {
  list-style: none !important;
  list-style-type: none !important;
}
.mistakes-list li::before {
  content: counter(mistakes);
  position: absolute; left: 1rem; top: 1rem;
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--red); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 700; font-family: 'Inter', sans-serif;
}

/* ===== PENALTY BOX ===== */
.penalty-box {
  border-radius: var(--radius); overflow: hidden;
  margin: 1.5rem 0; box-shadow: var(--shadow-md);
}
.penalty-header {
  background: linear-gradient(135deg, #7f1d1d, var(--red));
  color: var(--white); padding: 1.25rem 1.5rem;
  font-weight: 700; font-size: 1.1rem;
  display: flex; align-items: center; gap: 0.75rem;
}
.penalty-body { padding: 1.5rem; background: var(--white); }
.penalty-item {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1rem 0; border-bottom: 1px solid var(--gray-100);
}
.penalty-item:last-child { border-bottom: none; }
.penalty-label { font-weight: 600; color: var(--gray-800); min-width: 100px; }
.penalty-value { color: var(--gray-700); }
.penalty-amount { color: var(--red); font-weight: 700; font-size: 1.1rem; }
.penalty-relief {
  background: var(--green-light); border: 1px solid var(--green-border);
  border-radius: var(--radius-sm); padding: 1.25rem 1.5rem;
  margin-top: 1rem;
}
.penalty-relief-title { color: var(--green); font-weight: 700; margin-bottom: 0.5rem; display: flex; align-items: center; gap: 0.5rem; }

/* ===== COMPARISON TABLE ===== */
.comparison-table th:first-child { width: 30%; }

/* ===== FAQ ACCORDION ===== */
.faq-list { margin: 1.5rem 0; }
.faq-item {
  border: 1px solid var(--gray-200); border-radius: var(--radius-sm);
  margin-bottom: 0.75rem; overflow: hidden; transition: all var(--transition);
}
.faq-item:hover { border-color: var(--gray-300); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 1.15rem 1.5rem; cursor: pointer; background: var(--white);
  font-weight: 600; font-size: 0.975rem; color: var(--navy);
  border: none; width: 100%; text-align: left;
  font-family: 'Inter', sans-serif; transition: background var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-chevron {
  width: 20px; height: 20px; color: var(--gray-400);
  transition: transform 0.3s ease; flex-shrink: 0;
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden; transition: max-height 0.35s ease;
}
.faq-answer-inner {
  padding: 0 1.5rem 1.25rem; color: var(--gray-700);
  font-size: 0.95rem; line-height: 1.7;
}

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy), var(--navy-light));
  border-radius: var(--radius); padding: 2.5rem; text-align: center;
  margin: 0 0 0.5rem; position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; top: -50%; right: -20%;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(229,164,25,0.08);
}
.cta-section h2 { color: var(--white); margin-bottom: 1rem; font-size: 1.8rem; }
.cta-section p { color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto 2rem; font-size: 1.05rem; }
.cta-btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: var(--gold); color: var(--navy-dark); padding: 0.9rem 2rem;
  border-radius: 10px; font-weight: 700; font-size: 1.05rem;
  text-decoration: none; transition: all var(--transition);
  box-shadow: 0 4px 14px rgba(229,164,25,0.35);
}
.cta-btn:hover { background: var(--gold-light); color: var(--navy-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(229,164,25,0.45); }
.cta-btn svg { width: 18px; height: 18px; }
.cta-secondary {
  display: inline-block; margin-top: 0.75rem;
  color: rgba(255,255,255,0.7); font-size: 0.9rem;
  text-decoration: underline; text-underline-offset: 3px;
}
.cta-secondary:hover { color: var(--white); }

/* ===== FOOTER ===== */
.site-footer {
  background: var(--gray-50); border-top: 1px solid var(--gray-200);
  padding: 2.5rem 2rem; text-align: center;
}
.footer-disclaimer {
  max-width: 700px; margin: 0 auto; font-size: 0.8rem;
  color: var(--gray-400); line-height: 1.7;
}
.footer-brand { font-weight: 600; color: var(--gray-500); margin-bottom: 0.75rem; }

/* ===== OPTION TABS ===== */
.option-tabs {
  display: flex; gap: 0; margin: 1.5rem 0 0; border-bottom: 2px solid var(--gray-200);
}
.option-tab {
  padding: 0.8rem 1.5rem; font-weight: 600; font-size: 0.925rem;
  color: var(--gray-500); cursor: pointer; border: none; background: none;
  border-bottom: 2px solid transparent; margin-bottom: -2px;
  transition: all var(--transition); font-family: 'Inter', sans-serif;
}
.option-tab:hover { color: var(--navy); }
.option-tab.active { color: var(--navy); border-bottom-color: var(--gold); }
.option-panel { display: none; padding-top: 1.5rem; }
.option-panel.active { display: block; }

/* ===== MOBILE RESPONSIVE ===== */
@media (max-width: 960px) {
  .sidebar { display: none; }
  .main-content { padding: 0 1.25rem 3rem; max-width: 100%; }
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .hero { padding: 2rem 0 1.5rem; }
  .hero-subtitle { font-size: 1.05rem; }
  .cta-section { padding: 2rem 1.5rem; }
  .flowchart { padding: 1.5rem 1rem; }
  .flow-node { font-size: 0.85rem; padding: 0.85rem 1.25rem; }
  .flow-branch { flex-direction: column; align-items: center; }
  .flow-branch .flow-answer-no { max-width: 280px; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  h1 { font-size: 1.7rem; }
  h2 { font-size: 1.4rem; }
  .hero-meta { gap: 0.75rem; }
  .meta-divider { display: none; }
  .top-nav { padding: 0 1rem; }
  .nav-cta { padding: 0.4rem 0.9rem; font-size: 0.8rem; }
  table { font-size: 0.825rem; }
  th, td { padding: 0.65rem 0.85rem; }
  .step { gap: 1rem; }
  .step-number { width: 34px; height: 34px; font-size: 0.8rem; }
  .step::before { left: 16px; }
}

/* ===== MOBILE TOC ===== */
.mobile-toc-toggle {
  display: none; position: fixed; bottom: 1.25rem; right: 1.25rem;
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  border: none; cursor: pointer; z-index: 9998;
  box-shadow: var(--shadow-lg); align-items: center; justify-content: center;
}
.mobile-toc-toggle svg { width: 22px; height: 22px; }
.mobile-toc-panel {
  display: none; position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--white); z-index: 9997;
  border-top-left-radius: 20px; border-top-right-radius: 20px;
  box-shadow: 0 -10px 40px rgba(0,0,0,0.15);
  max-height: 60vh; overflow-y: auto; padding: 1.5rem 2rem 2rem;
  transform: translateY(100%); transition: transform 0.3s ease;
}
.mobile-toc-panel.open { transform: translateY(0); }
.mobile-toc-overlay {
  display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.3);
  z-index: 9996;
}
.mobile-toc-overlay.open { display: block; }

@media (max-width: 960px) {
  .mobile-toc-toggle { display: flex; }
}

/* ===== PRINT ===== */
@media print {
  .top-nav, .sidebar, .progress-bar, .mobile-toc-toggle, .cta-section { display: none; }
  .content-section { opacity: 1; transform: none; }
  .main-content { max-width: 100%; padding: 0; }
}


/* === WordPress Integration === */
#header {
    background: #1A3A5C !important;
    position: relative !important;
}
#header::after { display: none !important; }
.header-nav ul li { position: relative !important; }
.header-nav ul li ul.sub-menu,
.header-nav ul li ul {
    display: none !important;
    position: absolute !important;
    top: 100% !important;
    left: 0 !important;
    background: #1A3A5C !important;
    min-width: 180px !important;
    padding: 10px 0 !important;
    border-radius: 0 0 6px 6px !important;
    box-shadow: 0 4px 12px rgba(0,0,0,0.2) !important;
    flex-direction: column !important;
    z-index: 100 !important;
}
.header-nav ul li:hover > ul.sub-menu,
.header-nav ul li:hover > ul { display: flex !important; }
.header-nav ul li ul li { width: 100% !important; }
.header-nav ul li ul li a {
    padding: 8px 20px !important;
    font-size: 14px !important;
    white-space: nowrap !important;
}
footer.footer, footer.footer .newslatter-outer, footer.footer .footer-wapper {
    max-width: 100% !important;
    width: 100% !important;
}
footer.footer .container {
    max-width: 1330px !important;
    margin: 0 auto !important;
}
/* Tighten spacing around CTA and disclaimer */
#faq.content-section {
    margin-bottom: 0.5rem;
}
#get-help.content-section {
    margin-top: 0;
    margin-bottom: 0;
    padding-top: 0;
}
.fbar-page .site-footer {
    padding: 0.5rem 2rem 1rem;
}
.fbar-disclaimer {
    text-align: center;
    font-size: 11px;
    color: #999;
    line-height: 1.6;
    padding: 5px 20px 5px;
    max-width: 600px;
    margin: 0 auto;
}
/* Hide elements that the WP theme handles */
.top-nav, .progress-bar { display: none !important; }