:root {
  --cf-navy: #062b45;
  --cf-navy-deep: #031e30;
  --cf-blue: #0795d2;
  --cf-blue-dark: #0577ad;
  --cf-blue-soft: #eaf8fe;
  --cf-green: #20a447;
  --cf-green-dark: #168438;
  --cf-ink: #102330;
  --cf-muted: #5f707b;
  --cf-line: #dbe8ee;
  --cf-soft: #f5f9fb;
  --cf-white: #fff;
  --cf-warning: #fff8ed;
  --cf-warning-line: #efa74b;
  --cf-radius-xl: 30px;
  --cf-radius-lg: 22px;
  --cf-radius-md: 15px;
  --cf-shadow: 0 28px 80px rgba(7, 53, 79, .13);
  --cf-shadow-soft: 0 16px 46px rgba(7, 53, 79, .08);
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 1000;
  padding: 10px 14px;
  border-radius: 8px;
  color: #fff;
  background: var(--cf-navy);
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  transform: translateY(calc(-100% - 24px));
  transition: transform .18s ease;
}

.skip-link:focus { transform: translateY(0); }

html { scroll-padding-top: 126px; }

.cf-guide {
  overflow: clip;
  color: var(--cf-ink);
  background: var(--cf-white);
}

.cf-guide *,
.cf-guide *::before,
.cf-guide *::after { box-sizing: border-box; }

.cf-guide img,
.cf-guide svg,
.cf-guide iframe {
  display: block;
  max-width: 100%;
}

.cf-guide img { height: auto; }

.cf-guide h1,
.cf-guide h2,
.cf-guide h3,
.cf-guide p { overflow-wrap: break-word; }

.cf-guide h1,
.cf-guide h2,
.cf-guide h3 { text-wrap: balance; }

.cf-guide p { text-wrap: pretty; }

.cf-guide a,
.cf-guide button,
.cf-guide summary { -webkit-tap-highlight-color: transparent; }

.cf-guide [id] { scroll-margin-top: 136px; }

.cf-breadcrumb {
  border-bottom: 1px solid var(--cf-line);
  background: #f7fbfd;
}

.cf-breadcrumb .container {
  min-height: 44px;
  display: flex;
  align-items: center;
  gap: 9px;
  overflow: hidden;
  color: #71828b;
  font-size: 12px;
  font-weight: 700;
  white-space: nowrap;
}

.cf-breadcrumb a { color: var(--cf-blue-dark); }
.cf-breadcrumb strong {
  overflow: hidden;
  color: var(--cf-ink);
  text-overflow: ellipsis;
}

.cf-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background:
    radial-gradient(circle at 85% 15%, rgba(7, 149, 210, .17), transparent 29%),
    radial-gradient(circle at 7% 92%, rgba(32, 164, 71, .08), transparent 23%),
    linear-gradient(135deg, #f4fafc 0%, #fff 55%, #edf8fc 100%);
}

.cf-hero::before {
  content: "";
  position: absolute;
  z-index: -1;
  width: 520px;
  height: 520px;
  right: -310px;
  bottom: -340px;
  border: 1px solid rgba(7, 149, 210, .17);
  border-radius: 50%;
  box-shadow:
    0 0 0 86px rgba(7, 149, 210, .035),
    0 0 0 172px rgba(7, 149, 210, .023);
  pointer-events: none;
}

.cf-hero-grid {
  min-height: 650px;
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(390px, .92fr);
  align-items: center;
  gap: 70px;
  padding-block: 72px 78px;
}

.cf-kicker,
.cf-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--cf-blue-dark);
  font-size: 11px;
  font-weight: 900;
  line-height: 1.3;
  letter-spacing: .12em;
  text-transform: uppercase;
}

.cf-kicker i {
  color: var(--cf-green);
  font-style: normal;
}

.cf-hero h1 {
  max-width: 740px;
  margin: 18px 0 22px;
  color: var(--cf-navy);
  font-size: clamp(2.65rem, 5.4vw, 4.75rem);
  font-weight: 900;
  line-height: .99;
  letter-spacing: -.055em;
}

.cf-lead {
  max-width: 720px;
  margin: 0;
  color: #425966;
  font-size: 18px;
  line-height: 1.72;
}

.cf-lead strong { color: var(--cf-ink); }

.cf-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  margin-top: 24px;
  color: #71828b;
  font-size: 11px;
  font-weight: 650;
  line-height: 1.5;
}

.cf-meta strong { color: #48606d; }

.cf-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.cf-button-secondary {
  border-color: #c7dce5 !important;
  color: var(--cf-navy) !important;
  background: rgba(255,255,255,.8) !important;
  box-shadow: none !important;
}

.cf-button-secondary:hover {
  border-color: var(--cf-blue) !important;
  color: var(--cf-blue-dark) !important;
  background: #fff !important;
}

.cf-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
  margin: 24px 0 0;
  padding: 0;
  list-style: none;
}

.cf-trust li {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 8px 11px;
  border: 1px solid #d9e8ee;
  border-radius: 999px;
  color: #49616d;
  background: rgba(255,255,255,.72);
  font-size: 11px;
  font-weight: 800;
}

.cf-trust li::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--cf-green);
  box-shadow: 0 0 0 3px rgba(32,164,71,.12);
}

.cf-hero-visual { position: relative; min-width: 0; }

.cf-product-panel {
  position: relative;
  overflow: hidden;
  padding: 14px;
  border: 1px solid rgba(7, 149, 210, .18);
  border-radius: 28px;
  background: rgba(255,255,255,.9);
  box-shadow: var(--cf-shadow);
  transform: rotate(1deg);
}

.cf-product-label {
  position: absolute;
  z-index: 2;
  top: 28px;
  left: 28px;
  padding: 8px 11px;
  border: 1px solid rgba(255,255,255,.42);
  border-radius: 999px;
  color: #fff;
  background: rgba(3,30,48,.78);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  font-size: 9px;
  font-weight: 900;
  letter-spacing: .1em;
}

.cf-product-panel > img {
  width: 100%;
  aspect-ratio: 1200 / 630;
  border-radius: 18px;
  object-fit: cover;
}

.cf-product-footer {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding: 17px 6px 4px;
}

.cf-product-footer span { min-width: 0; }
.cf-product-footer small,
.cf-product-footer strong { display: block; }
.cf-product-footer small {
  margin-bottom: 4px;
  color: #7b8b94;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.cf-product-footer strong {
  color: var(--cf-navy);
  font-size: 13px;
}

.cf-toc {
  position: sticky;
  top: 82px;
  z-index: 80;
  border-block: 1px solid var(--cf-line);
  background: rgba(255,255,255,.96);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
}

.cf-toc .container {
  min-height: 58px;
  display: flex;
  align-items: center;
  gap: 22px;
}

.cf-toc-label {
  flex: 0 0 auto;
  color: var(--cf-navy);
  font-size: 10px;
  font-weight: 900;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.cf-toc-links {
  display: flex;
  align-items: center;
  gap: 5px;
  overflow-x: auto;
  scrollbar-width: none;
}

.cf-toc-links::-webkit-scrollbar { display: none; }

.cf-toc-links a {
  flex: 0 0 auto;
  padding: 8px 10px;
  border-radius: 8px;
  color: #61737d;
  font-size: 11px;
  font-weight: 750;
  white-space: nowrap;
}

.cf-toc-links a:hover,
.cf-toc-links a[aria-current="true"] {
  color: var(--cf-blue-dark);
  background: var(--cf-blue-soft);
}

.cf-section { padding: 96px 0; }
.cf-soft-section { background: var(--cf-soft); }
.cf-narrow { width: min(920px, calc(100% - 48px)); }

.cf-section h2 {
  margin: 13px 0 22px;
  color: var(--cf-navy);
  font-size: clamp(2rem, 4vw, 3.25rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -.04em;
}

.cf-intro {
  margin: 0;
  color: #415965;
  font-size: 19px;
  line-height: 1.78;
}

.cf-rule-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 38px;
}

.cf-rule-grid article {
  min-width: 0;
  display: flex;
  gap: 14px;
  padding: 22px;
  border: 1px solid var(--cf-line);
  border-radius: var(--cf-radius-md);
  background: #fff;
  box-shadow: var(--cf-shadow-soft);
}

.cf-rule-grid article > span {
  width: 34px;
  height: 34px;
  flex: 0 0 34px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  color: #fff;
  background: var(--cf-navy);
  font-size: 10px;
  font-weight: 900;
}

.cf-rule-grid h3 {
  margin: 1px 0 7px;
  color: var(--cf-navy);
  font-size: 16px;
}

.cf-rule-grid p {
  margin: 0;
  color: var(--cf-muted);
  font-size: 13px;
  line-height: 1.6;
}

.cf-alert {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 6px 20px;
  margin-top: 22px;
  padding: 22px 24px;
  border: 1px solid;
  border-radius: var(--cf-radius-md);
}

.cf-alert strong {
  grid-row: 1 / span 2;
  align-self: start;
  padding: 7px 10px;
  border-radius: 8px;
  font-size: 10px;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.cf-alert p {
  margin: 0;
  color: #644c2f;
  font-size: 14px;
  line-height: 1.72;
}

.cf-alert-warning {
  border-color: #f2d09c;
  background: var(--cf-warning);
}

.cf-alert-warning strong {
  color: #7c4b11;
  background: #ffe7bd;
}

.cf-heading-row {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, .6fr);
  align-items: end;
  gap: 50px;
  margin-bottom: 36px;
}

.cf-heading-row h2 { margin-bottom: 0; }
.cf-heading-row > p {
  margin: 0 0 5px;
  color: var(--cf-muted);
  font-size: 15px;
  line-height: 1.72;
}

.cf-eligibility-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.cf-eligibility-card {
  position: relative;
  overflow: hidden;
  min-height: 225px;
  padding: 27px;
  border: 1px solid var(--cf-line);
  border-radius: var(--cf-radius-lg);
  background: #fff;
  box-shadow: 0 12px 34px rgba(7,53,79,.055);
}

.cf-eligibility-card::after {
  content: "";
  position: absolute;
  width: 120px;
  height: 120px;
  right: -70px;
  bottom: -72px;
  border: 18px solid rgba(7,149,210,.06);
  border-radius: 50%;
}

.cf-eligibility-card.is-direct { border-top: 4px solid var(--cf-green); }
.cf-eligibility-card.is-check { border-top: 4px solid var(--cf-blue); }

.cf-status {
  display: inline-flex;
  padding: 7px 9px;
  border-radius: 999px;
  color: var(--cf-blue-dark);
  background: var(--cf-blue-soft);
  font-size: 9px;
  font-weight: 900;
  letter-spacing: .075em;
}

.is-direct .cf-status {
  color: #157233;
  background: #eaf8ee;
}

.cf-eligibility-card h3 {
  margin: 22px 0 10px;
  color: var(--cf-navy);
  font-size: 21px;
  line-height: 1.2;
}

.cf-eligibility-card p {
  margin: 0;
  color: var(--cf-muted);
  font-size: 14px;
  line-height: 1.68;
}

.cf-conversion {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 28px;
  margin-top: 28px;
  padding: 34px 38px;
  border-radius: var(--cf-radius-lg);
  color: #dff5ff;
  background:
    radial-gradient(circle at 95% 10%, rgba(7,149,210,.34), transparent 32%),
    var(--cf-navy);
  box-shadow: var(--cf-shadow-soft);
}

.cf-conversion .cf-eyebrow { color: #74d2f7; }
.cf-conversion h2 {
  margin: 7px 0 5px;
  color: #fff;
  font-size: clamp(1.7rem, 3vw, 2.35rem);
}
.cf-conversion p { margin: 0; color: #c8e2ed; }

.cf-article-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 760px);
  justify-content: center;
  align-items: start;
  gap: 76px;
}

.cf-side-note {
  position: sticky;
  top: 160px;
  padding: 24px;
  border-left: 4px solid var(--cf-blue);
  border-radius: 0 16px 16px 0;
  background: var(--cf-soft);
}

.cf-side-note > strong {
  display: block;
  margin: 14px 0 10px;
  color: var(--cf-navy);
  font-size: 18px;
  line-height: 1.35;
}

.cf-side-note p {
  margin: 0;
  color: var(--cf-muted);
  font-size: 13px;
  line-height: 1.68;
}

.cf-section-heading { margin-bottom: 36px; }
.cf-section-heading h2 { margin-bottom: 0; }

.cf-prose > section {
  padding: 34px 0;
  border-top: 1px solid var(--cf-line);
}

.cf-prose > section:first-of-type { border-top: 0; padding-top: 0; }

.cf-prose h3 {
  margin: 0 0 15px;
  color: var(--cf-navy);
  font-size: clamp(1.45rem, 2.7vw, 2rem);
  line-height: 1.2;
  letter-spacing: -.025em;
}

.cf-prose p {
  margin: 0 0 14px;
  color: #415762;
  font-size: 16px;
  line-height: 1.82;
}

.cf-prose p:last-child { margin-bottom: 0; }
.cf-prose strong { color: var(--cf-ink); }
.cf-prose a,
.cf-section a:not(.button),
.cf-context-grid a {
  color: var(--cf-blue-dark);
  font-weight: 750;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

.cf-legal-section {
  padding-block: 74px;
  background: var(--cf-navy-deep);
}

.cf-legal-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 370px;
  gap: 58px;
  align-items: center;
  padding: 44px;
  border: 1px solid rgba(116,210,247,.2);
  border-radius: var(--cf-radius-xl);
  background: rgba(255,255,255,.045);
}

.cf-legal-card .cf-eyebrow { color: #74d2f7; }
.cf-legal-card h2 { color: #fff; }
.cf-legal-card p {
  margin: 0;
  color: #c6dbe4;
  font-size: 16px;
  line-height: 1.78;
}

.cf-legal-card nav {
  display: grid;
  gap: 9px;
}

.cf-legal-card nav a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 13px 15px;
  border: 1px solid rgba(255,255,255,.13);
  border-radius: 10px;
  color: #fff;
  background: rgba(255,255,255,.055);
  font-size: 12px;
  font-weight: 750;
  text-decoration: none;
}

.cf-legal-card nav a:hover { border-color: #74d2f7; background: rgba(7,149,210,.15); }
.cf-legal-note {
  margin: 16px 0 0;
  color: #8eb0bf;
  font-size: 11px;
  line-height: 1.6;
}

.cf-split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(330px, .75fr);
  align-items: center;
  gap: 76px;
}

.cf-split > div > p {
  margin: 0 0 15px;
  color: #415762;
  font-size: 16px;
  line-height: 1.8;
}

.cf-check-list {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.cf-check-list li {
  display: flex;
  align-items: center;
  gap: 15px;
  padding: 18px;
  border: 1px solid var(--cf-line);
  border-radius: 14px;
  background: var(--cf-soft);
}

.cf-check-list li > span {
  width: 34px;
  height: 34px;
  flex: 0 0 34px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--cf-green);
  font-size: 14px;
  font-weight: 900;
}

.cf-check-list strong,
.cf-check-list small { display: block; }
.cf-check-list strong { color: var(--cf-navy); font-size: 14px; }
.cf-check-list small { margin-top: 4px; color: var(--cf-muted); font-size: 12px; line-height: 1.5; }

.cf-info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.cf-info-grid article {
  min-width: 0;
  padding: 30px;
  border: 1px solid var(--cf-line);
  border-radius: var(--cf-radius-lg);
  background: #fff;
}

.cf-number {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 13px;
  color: var(--cf-blue-dark);
  background: var(--cf-blue-soft);
  font-size: 11px;
  font-weight: 900;
}

.cf-info-grid h2 {
  margin: 22px 0 14px;
  font-size: 24px;
  line-height: 1.2;
}

.cf-info-grid p {
  margin: 0;
  color: var(--cf-muted);
  font-size: 14px;
  line-height: 1.72;
}

.cf-use-list {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.cf-use-list li {
  min-width: 0;
  display: grid;
  place-items: center;
  gap: 12px;
  min-height: 122px;
  padding: 17px 10px;
  border: 1px solid var(--cf-line);
  border-radius: 15px;
  color: var(--cf-navy);
  background: #fff;
  font-size: 12px;
  font-weight: 800;
  text-align: center;
}

.cf-use-list span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 12px;
  color: var(--cf-blue-dark);
  background: var(--cf-blue-soft);
  font-size: 19px;
}

.cf-context-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 22px;
}

.cf-context-grid article {
  padding: 24px 26px;
  border-left: 4px solid var(--cf-blue);
  border-radius: 0 var(--cf-radius-md) var(--cf-radius-md) 0;
  background: var(--cf-soft);
}

.cf-context-grid h3 {
  margin: 0 0 10px;
  color: var(--cf-navy);
  font-size: 17px;
}

.cf-context-grid p {
  margin: 0;
  color: var(--cf-muted);
  font-size: 13px;
  line-height: 1.7;
}

.cf-process-section { background: linear-gradient(135deg, #edf8fc, #f8fbfc); }
.cf-process-grid {
  display: grid;
  grid-template-columns: minmax(0, .85fr) minmax(390px, 1fr);
  align-items: center;
  gap: 82px;
}

.cf-process-grid > div > p {
  margin: 0 0 20px;
  color: #415762;
  font-size: 16px;
  line-height: 1.78;
}

.cf-text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.cf-steps {
  display: grid;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: none;
}

.cf-steps li {
  display: flex;
  gap: 17px;
  padding: 18px 20px;
  border: 1px solid rgba(7,149,210,.15);
  border-radius: 14px;
  background: rgba(255,255,255,.88);
}

.cf-steps li > span {
  width: 38px;
  height: 38px;
  flex: 0 0 38px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  color: #fff;
  background: var(--cf-navy);
  font-size: 12px;
  font-weight: 900;
}

.cf-steps strong { display: block; color: var(--cf-navy); font-size: 14px; }
.cf-steps p { margin: 4px 0 0; color: var(--cf-muted); font-size: 12px; line-height: 1.55; }

.cf-final-cta {
  padding: 70px 0;
  color: #d8eff8;
  background:
    radial-gradient(circle at 90% 20%, rgba(7,149,210,.33), transparent 30%),
    linear-gradient(120deg, var(--cf-navy-deep), var(--cf-navy));
}

.cf-final-cta .container {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 48px;
}

.cf-final-cta .cf-eyebrow { color: #74d2f7; }
.cf-final-cta h2 {
  max-width: 720px;
  margin: 10px 0 10px;
  color: #fff;
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -.04em;
}

.cf-final-cta p { margin: 0; color: #c6dce5; }
.cf-final-actions { display: grid; justify-items: stretch; gap: 13px; text-align: center; }
.cf-final-actions > a:not(.button) {
  color: #fff;
  font-size: 12px;
  font-weight: 750;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.cf-faq-section { background: var(--cf-soft); }
.cf-faq-layout {
  display: grid;
  grid-template-columns: minmax(260px, .55fr) minmax(0, 1fr);
  align-items: start;
  gap: 74px;
}

.cf-faq-intro { position: sticky; top: 160px; }
.cf-faq-intro p { margin: 0; color: var(--cf-muted); font-size: 14px; line-height: 1.75; }
.cf-faq-list { display: grid; gap: 10px; }

.cf-faq-list details {
  border: 1px solid var(--cf-line);
  border-radius: 14px;
  background: #fff;
  box-shadow: 0 8px 22px rgba(7,53,79,.035);
}

.cf-faq-list summary {
  min-height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 16px 19px;
  color: var(--cf-navy);
  font-size: 14px;
  font-weight: 800;
  line-height: 1.45;
  cursor: pointer;
  list-style: none;
}

.cf-faq-list summary::-webkit-details-marker { display: none; }
.cf-faq-list summary > span {
  width: 28px;
  height: 28px;
  flex: 0 0 28px;
  display: grid;
  place-items: center;
  border-radius: 9px;
  color: var(--cf-blue-dark);
  background: var(--cf-blue-soft);
  font-size: 18px;
  font-weight: 500;
  transition: transform .18s ease;
}

.cf-faq-list details[open] summary > span { transform: rotate(45deg); }
.cf-faq-list details[open] summary { border-bottom: 1px solid var(--cf-line); }
.cf-faq-list details > p {
  margin: 0;
  padding: 17px 19px 20px;
  color: var(--cf-muted);
  font-size: 13px;
  line-height: 1.7;
}

.cf-guide a:focus-visible,
.cf-guide summary:focus-visible {
  outline: 3px solid rgba(7,149,210,.35);
  outline-offset: 3px;
}

@media (max-width: 1080px) {
  .cf-hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(330px, .82fr);
    gap: 44px;
  }
  .cf-eligibility-grid { grid-template-columns: repeat(2, 1fr); }
  .cf-use-list { grid-template-columns: repeat(3, 1fr); }
  .cf-article-layout { grid-template-columns: 220px minmax(0, 700px); gap: 48px; }
}

@media (max-width: 900px) {
  .cf-hero-grid {
    min-height: 0;
    grid-template-columns: 1fr;
    gap: 48px;
    padding-block: 58px 64px;
  }
  .cf-hero-copy { max-width: 760px; }
  .cf-hero-visual { max-width: 650px; }
  .cf-rule-grid { grid-template-columns: 1fr; }
  .cf-rule-grid article { align-items: flex-start; }
  .cf-heading-row,
  .cf-legal-card,
  .cf-split,
  .cf-process-grid,
  .cf-faq-layout { grid-template-columns: 1fr; gap: 36px; }
  .cf-article-layout { grid-template-columns: 1fr; gap: 34px; }
  .cf-side-note,
  .cf-faq-intro { position: static; }
  .cf-side-note { max-width: 720px; }
  .cf-info-grid { grid-template-columns: 1fr; }
  .cf-legal-card { padding: 34px; }
  .cf-conversion,
  .cf-final-cta .container { grid-template-columns: 1fr; justify-items: start; }
  .cf-final-actions { width: min(100%, 360px); }
}

@media (max-width: 700px) {
  .cf-section { padding: 72px 0; }
  .cf-hero-grid { padding-block: 48px 56px; }
  .cf-hero h1 { font-size: clamp(2.25rem, 11vw, 3.55rem); }
  .cf-lead { font-size: 16px; line-height: 1.68; }
  .cf-meta { display: grid; gap: 5px; }
  .cf-toc { top: 68px; }
  .cf-toc .container { gap: 13px; }
  .cf-toc-label { display: none; }
  .cf-heading-row { gap: 16px; margin-bottom: 28px; }
  .cf-eligibility-grid { grid-template-columns: 1fr; }
  .cf-eligibility-card { min-height: 0; }
  .cf-use-list { grid-template-columns: repeat(2, 1fr); }
  .cf-context-grid { grid-template-columns: 1fr; }
  .cf-alert { grid-template-columns: 1fr; }
  .cf-alert strong { grid-row: auto; justify-self: start; }
  .cf-conversion { padding: 28px; }
  .cf-final-cta { padding-block: 58px; }
}

@media (max-width: 520px) {
  .container,
  .ncie-container,
  .cf-narrow { width: min(100% - 32px, 1180px); }
  .cf-breadcrumb .container { width: calc(100% - 32px); }
  .cf-section { padding: 62px 0; }
  .cf-hero-grid { padding-block: 42px 48px; }
  .cf-hero h1 {
    margin-top: 15px;
    font-size: clamp(2rem, 11vw, 2.85rem);
    line-height: 1.02;
    letter-spacing: -.045em;
  }
  .cf-actions { display: grid; }
  .cf-actions .button,
  .cf-conversion .button,
  .cf-final-actions .button {
    width: 100%;
    min-width: 0;
    white-space: normal;
  }
  .cf-product-panel { padding: 9px; border-radius: 21px; transform: none; }
  .cf-product-panel > img { border-radius: 14px; }
  .cf-product-label { top: 18px; left: 18px; max-width: calc(100% - 36px); font-size: 7px; }
  .cf-product-footer { gap: 7px; padding-top: 13px; }
  .cf-product-footer strong { font-size: 11px; }
  .cf-intro { font-size: 16px; line-height: 1.72; }
  .cf-rule-grid article,
  .cf-eligibility-card,
  .cf-info-grid article { padding: 22px; }
  .cf-conversion,
  .cf-legal-card { padding: 24px; border-radius: 19px; }
  .cf-section h2 { font-size: clamp(1.8rem, 9vw, 2.45rem); }
  .cf-prose h3 { font-size: 1.45rem; }
  .cf-prose p { font-size: 15px; line-height: 1.75; }
  .cf-use-list li { min-height: 110px; }
  .cf-process-grid { gap: 28px; }
  .cf-steps li { padding: 16px; }
  .cf-faq-list summary { gap: 14px; padding-inline: 16px; }
  .cf-faq-list details > p { padding-inline: 16px; }
}

@media (max-width: 360px) {
  .container,
  .ncie-container,
  .cf-narrow { width: min(100% - 24px, 1180px); }
  .cf-breadcrumb .container { width: calc(100% - 24px); }
  .cf-hero h1 { font-size: 1.95rem; }
  .cf-kicker,
  .cf-eyebrow { font-size: 9px; }
  .cf-trust { gap: 6px; }
  .cf-trust li { padding: 7px 8px; font-size: 9px; }
  .cf-rule-grid article { gap: 11px; padding: 18px; }
  .cf-rule-grid article > span { width: 30px; height: 30px; flex-basis: 30px; }
  .cf-eligibility-card,
  .cf-info-grid article { padding: 20px; }
  .cf-use-list { grid-template-columns: 1fr 1fr; gap: 8px; }
  .cf-use-list li { font-size: 11px; }
  .cf-final-cta h2 { font-size: 1.9rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .cf-guide *,
  .cf-guide *::before,
  .cf-guide *::after {
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

@media print {
  .ncie-topbar,
  .ncie-header,
  .cf-toc,
  .cf-actions,
  .cf-conversion,
  .cf-final-cta,
  .ncie-footer { display: none !important; }
  .cf-section { padding: 24px 0; }
  .cf-hero-grid,
  .cf-article-layout,
  .cf-faq-layout { display: block; }
  .cf-hero-visual,
  .cf-side-note { display: none; }
  .cf-guide { color: #111; }
}