@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');

:root {
  color-scheme: light;
  --ink: #123129;
  --ink-soft: #34534a;
  --muted: #63766e;
  --pine: #0d634d;
  --pine-deep: #094b3a;
  --mint: #dff4e9;
  --mint-light: #f0f8f2;
  --lime: #c8f080;
  --white: #fff;
  --paper: #fbfcfa;
  --line: #e3ebe4;
  --container: 1160px;
  font-family: 'DM Sans', 'Segoe UI', Arial, sans-serif;
  font-synthesis: none;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; }
body { margin: 0; color: var(--ink); background: var(--white); font-size: 16px; line-height: 1.6; }
a { color: inherit; text-decoration: none; }
button, a, summary { -webkit-tap-highlight-color: transparent; }
a:focus-visible, summary:focus-visible { outline: 3px solid #78bba0; outline-offset: 4px; border-radius: 4px; }
.container { width: min(var(--container), calc(100% - 64px)); margin: 0 auto; }

.site-header { position: relative; z-index: 10; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(18,49,41,.06); }
.nav-shell { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); font: 800 21px/1 'Manrope', 'Segoe UI', sans-serif; letter-spacing: -.9px; white-space: nowrap; }
.brand-emblem { width: 37px; height: 37px; display: grid; place-items: center; border-radius: 12px; color: var(--white); background: var(--pine); font: 800 24px/1 'Manrope', sans-serif; letter-spacing: -2px; padding: 0 2px 4px 0; box-shadow: 0 5px 12px rgba(13,99,77,.16); }
.brand-dot { color: #26a27b; }
.desktop-nav { display: flex; align-items: center; gap: clamp(22px, 3vw, 42px); margin-left: auto; margin-right: 24px; }
.desktop-nav a, .footer-nav a { color: var(--ink-soft); font-size: 13px; font-weight: 600; transition: color .2s ease; }
.desktop-nav a:hover, .footer-nav a:hover { color: #148468; }
.button { min-height: 49px; display: inline-flex; align-items: center; justify-content: center; gap: 16px; padding: 0 22px; border: 1px solid transparent; border-radius: 8px; font-size: 13px; font-weight: 700; transition: transform .2s ease, background .2s ease, box-shadow .2s ease; }
.button:hover { transform: translateY(-2px); }
.button span { font-size: 16px; line-height: 1; }
.button-dark { color: #fff; background: var(--pine); box-shadow: 0 10px 24px rgba(13,99,77,.14); }
.button-dark:hover { background: var(--pine-deep); box-shadow: 0 13px 28px rgba(13,99,77,.2); }
.button-outline { color: var(--pine); border-color: #bdd4c9; background: transparent; }
.button-outline:hover { background: #eaf5ef; }
.button-light { color: var(--pine-deep); background: #fff; box-shadow: 0 10px 26px rgba(0,0,0,.1); }
.button-light:hover { background: var(--lime); }
.mobile-menu { display: none; }

.hero { overflow: hidden; position: relative; background: var(--mint-light); }
.hero-grid { min-height: 570px; display: grid; grid-template-columns: 1fr .92fr; align-items: center; gap: 56px; padding-top: 58px; padding-bottom: 66px; }
.hero-copy { position: relative; z-index: 2; max-width: 545px; padding: 8px 0 20px; }
.eyebrow { margin: 0 0 20px; color: var(--pine); font-size: 10px; font-weight: 700; line-height: 1.35; letter-spacing: 1.7px; text-transform: uppercase; }
.hero-copy .eyebrow { display: inline-flex; align-items: center; gap: 9px; padding: 9px 13px; border: 1px solid #dcebe0; border-radius: 99px; background: rgba(255,255,255,.7); letter-spacing: .7px; }
.eyebrow-dot { width: 7px; height: 7px; border-radius: 50%; background: #21a57c; box-shadow: 0 0 0 4px #d8f2e4; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { font-family: 'Manrope', 'Segoe UI', sans-serif; }
h1 { margin-bottom: 20px; color: var(--ink); font-size: clamp(48px, 6.5vw, 76px); font-weight: 700; line-height: 1.04; letter-spacing: -4.7px; }
h1 span, .how-intro h2 span, .final-cta h2 span { color: var(--pine); }
.hero-description { max-width: 478px; margin-bottom: 29px; color: #53685f; font-size: 16px; line-height: 1.8; }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 23px; }
.text-link { display: inline-flex; align-items: center; gap: 9px; color: var(--pine); font-size: 13px; font-weight: 700; }
.text-link span { font-size: 16px; }
.hero-note { max-width: 450px; margin: 25px 0 0; color: #7b8d84; font-size: 11px; line-height: 1.55; }

.hero-visual { min-height: 430px; display: grid; place-items: center; position: relative; isolation: isolate; }
.hero-visual::before { content: ''; width: min(360px, 82%); aspect-ratio: 1; position: absolute; z-index: -2; top: 50%; left: 50%; border-radius: 50%; background: #d6f0df; transform: translate(-50%, -50%); }
.hero-visual::after { content: ''; width: 280px; height: 280px; position: absolute; z-index: -1; top: 50%; left: 50%; border: 1px solid rgba(13,99,77,.13); border-radius: 50%; transform: translate(-50%, -50%); }
.visual-orbit { position: absolute; z-index: -1; border: 1px solid rgba(13,99,77,.14); border-radius: 50%; }
.orbit-one { inset: 6% 6%; }
.orbit-two { inset: 14% 14%; }
.offer-card { width: min(100%, 390px); position: relative; z-index: 1; padding: 25px 27px 20px; border: 1px solid rgba(16,67,51,.08); border-radius: 18px; background: #fff; box-shadow: 0 24px 65px rgba(30,79,57,.16); transform: rotate(-2deg); }
.offer-card-top, .mini-brand, .offer-row, .card-footer { display: flex; align-items: center; justify-content: space-between; }
.mini-brand { justify-content: flex-start; gap: 8px; font: 800 13px/1 'Manrope', sans-serif; letter-spacing: -.4px; }
.mini-mark { display: grid; width: 23px; height: 23px; place-items: center; border-radius: 8px; background: var(--pine); color: #fff; font: 800 15px/1 'Manrope', sans-serif; padding: 0 1px 3px 0; }
.preview-tag { padding: 5px 8px; border-radius: 5px; color: #6c8177; background: #f2f7f2; font-size: 8px; font-weight: 700; letter-spacing: .8px; }
.offer-intro { padding: 29px 0 18px; }
.card-kicker { color: #799087; font-size: 9px; font-weight: 700; letter-spacing: 1.1px; }
.offer-intro h2 { max-width: 300px; margin: 8px 0; color: var(--ink); font-size: 20px; line-height: 1.28; letter-spacing: -.65px; }
.offer-intro p { margin: 0; color: #7b8982; font-size: 11px; }
.offer-details { padding: 9px 13px; border-radius: 9px; background: #f6f9f6; }
.offer-row { min-height: 43px; gap: 8px; border-bottom: 1px solid #e8eee8; }
.offer-row:last-child { border-bottom: 0; }
.offer-row span { color: #76877f; font-size: 10px; }
.offer-row strong { color: #264b3d; font-size: 9px; font-weight: 700; text-align: right; }
.card-footer { justify-content: flex-start; gap: 8px; padding-top: 15px; color: #74867d; font-size: 9px; }
.status-pip { width: 7px; height: 7px; border-radius: 50%; background: #39a980; box-shadow: 0 0 0 3px #def3e8; }
.floating-note { position: absolute; z-index: 2; display: inline-flex; align-items: center; gap: 9px; padding: 11px 15px; border: 1px solid rgba(20,49,41,.07); border-radius: 9px; background: #fff; color: #34564a; font-size: 10px; font-weight: 700; box-shadow: 0 12px 30px rgba(28,70,52,.09); }
.note-top { top: 12%; right: -2%; }
.note-bottom { bottom: 13%; left: -3%; }
.note-check, .note-spark { display: grid; width: 20px; height: 20px; place-items: center; border-radius: 6px; color: #0f805d; background: #e2f4e8; font-size: 12px; }
.visual-caption { position: absolute; right: 0; bottom: 1%; color: #80948a; font-size: 9px; letter-spacing: .3px; }
.hero-bottom { border-top: 1px solid rgba(18,49,41,.08); }
.hero-bottom-inner { min-height: 56px; display: flex; justify-content: space-between; align-items: center; gap: 20px; color: #6b8076; font-size: 11px; }
.scroll-cue { display: inline-flex; align-items: center; gap: 9px; font-size: 9px; font-weight: 700; letter-spacing: 1.1px; }
.scroll-cue span { font-size: 14px; color: var(--pine); }

.section-pad { padding: 106px 0; }
.section-heading { margin-bottom: 44px; }
.split-heading { display: grid; grid-template-columns: 1fr .65fr; align-items: end; gap: 80px; }
.split-heading .eyebrow, .how-intro .eyebrow, .faq-intro .eyebrow { margin-bottom: 17px; }
.section-heading h2, .how-intro h2, .faq-intro h2 { margin-bottom: 0; color: var(--ink); font-size: clamp(36px, 4vw, 48px); font-weight: 700; line-height: 1.12; letter-spacing: -2.4px; }
.split-heading > p { max-width: 400px; margin: 0 0 4px; color: var(--muted); font-size: 14px; line-height: 1.85; }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.benefit-card { min-height: 275px; position: relative; padding: 29px 27px 24px; border: 1px solid var(--line); border-radius: 12px; background: #fff; transition: transform .22s ease, box-shadow .22s ease; }
.benefit-card:hover { transform: translateY(-4px); box-shadow: 0 15px 35px rgba(19,55,41,.08); }
.benefit-featured { background: #f5faf4; border-color: #dcead8; }
.card-number { position: absolute; top: 28px; right: 27px; color: #a6b6ad; font: 700 11px/1 'Manrope', sans-serif; letter-spacing: .5px; }
.benefit-icon { width: 39px; height: 39px; display: grid; place-items: center; margin-bottom: 22px; border: 1px solid #d7eade; border-radius: 11px; background: #eff8f0; }
.benefit-icon::before { content: ''; width: 16px; height: 16px; display: block; border: 2px solid var(--pine); border-radius: 50%; }
.icon-eye::after { content: ''; width: 5px; height: 5px; position: absolute; margin-top: 0; border-radius: 50%; background: var(--pine); }
.icon-calendar::before { width: 16px; height: 15px; border-radius: 3px; }
.icon-calendar::after { content: ''; width: 13px; height: 2px; position: absolute; margin-top: -6px; background: var(--pine); }
.icon-shield::before { width: 13px; height: 16px; border-radius: 8px 8px 7px 7px; transform: rotate(0deg); }
.benefit-card h3 { margin-bottom: 10px; color: var(--ink); font-size: 17px; font-weight: 700; letter-spacing: -.35px; }
.benefit-card p { min-height: 69px; margin-bottom: 17px; color: var(--muted); font-size: 12px; line-height: 1.75; }
.card-link { display: inline-flex; align-items: center; gap: 10px; color: var(--pine); font-size: 11px; font-weight: 700; }
.card-link span { font-size: 14px; }

.how-section { background: var(--paper); border-top: 1px solid #f0f3ef; border-bottom: 1px solid #f0f3ef; }
.how-grid { display: grid; grid-template-columns: .8fr 1fr; gap: 100px; }
.how-intro { max-width: 380px; }
.how-intro h2 { margin-bottom: 20px; }
.how-intro > p:not(.eyebrow) { margin-bottom: 26px; color: var(--muted); font-size: 14px; line-height: 1.85; }
.steps-list { padding-top: 9px; }
.step-item { display: grid; grid-template-columns: 52px 1fr; gap: 19px; min-height: 130px; }
.step-marker { display: flex; align-items: flex-start; flex-direction: column; gap: 10px; }
.step-marker span { display: grid; width: 36px; height: 36px; place-items: center; border: 1px solid #cfe1d3; border-radius: 50%; color: var(--pine); background: #edf7ee; font-size: 10px; font-weight: 700; }
.step-marker i { width: 1px; flex: 1; min-height: 32px; margin-left: 18px; background: #d8e5d9; }
.step-item:last-child { min-height: 90px; }
.step-item:last-child .step-marker i { display: none; }
.step-item h3 { margin: 2px 0 7px; color: var(--ink); font-size: 16px; letter-spacing: -.3px; }
.step-item p { max-width: 430px; margin: 0; color: var(--muted); font-size: 12px; line-height: 1.75; }

.clarity-band { padding: 64px 0; color: #fff; background: var(--pine); }
.clarity-inner { display: grid; grid-template-columns: 62px 1fr auto; align-items: center; gap: 28px; }
.clarity-symbol { width: 54px; height: 54px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.32); border-radius: 16px; color: var(--pine-deep); background: var(--lime); font: 800 34px/1 'Manrope', sans-serif; letter-spacing: -3px; padding: 0 3px 5px 0; }
.clarity-copy .eyebrow { margin-bottom: 10px; color: #b9e9ca; font-size: 9px; }
.clarity-copy h2 { margin-bottom: 8px; font-size: clamp(24px, 3vw, 32px); letter-spacing: -1.2px; }
.clarity-copy h2 span { color: var(--lime); }
.clarity-copy > p:last-child { max-width: 640px; margin: 0; color: #d4e6db; font-size: 12px; line-height: 1.75; }
.clarity-link { display: inline-flex; align-items: center; gap: 12px; padding-bottom: 5px; border-bottom: 1px solid rgba(255,255,255,.5); color: #fff; font-size: 11px; font-weight: 700; white-space: nowrap; }

.faq-grid { display: grid; grid-template-columns: .73fr 1fr; gap: 100px; }
.faq-intro { max-width: 370px; }
.faq-intro h2 { margin-bottom: 18px; }
.faq-intro > p:not(.eyebrow) { margin-bottom: 19px; color: var(--muted); font-size: 13px; line-height: 1.8; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { min-height: 69px; display: flex; align-items: center; justify-content: space-between; gap: 22px; color: var(--ink); font: 700 13px/1.45 'Manrope', sans-serif; list-style: none; cursor: pointer; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-toggle { width: 22px; height: 22px; flex: 0 0 22px; position: relative; border: 1px solid #d4e2d6; border-radius: 50%; }
.faq-toggle::before, .faq-toggle::after { content: ''; width: 8px; height: 1px; position: absolute; top: 10px; left: 6px; background: var(--pine); transition: transform .2s ease; }
.faq-toggle::after { transform: rotate(90deg); }
.faq-item[open] .faq-toggle::after { transform: rotate(0deg); }
.faq-item p { max-width: 570px; margin: -3px 42px 19px 0; color: var(--muted); font-size: 12px; line-height: 1.8; }

.final-cta { overflow: hidden; position: relative; padding: 72px 0; color: #fff; background: var(--ink); }
.final-cta-inner { min-height: 180px; display: flex; align-items: center; justify-content: space-between; gap: 40px; position: relative; z-index: 1; }
.final-cta .eyebrow { margin-bottom: 12px; color: #b8e7c6; }
.final-cta h2 { margin: 0; font-size: clamp(34px, 4.2vw, 48px); font-weight: 700; line-height: 1.13; letter-spacing: -2.2px; }
.final-cta h2 span { color: var(--lime); }
.final-cta-actions { max-width: 280px; position: relative; z-index: 2; }
.final-cta-actions p { margin-bottom: 17px; color: #bfd0c6; font-size: 12px; line-height: 1.7; }
.cta-orb { width: 310px; height: 310px; position: absolute; top: -130px; right: 18%; border: 1px solid rgba(195,237,194,.14); border-radius: 50%; box-shadow: 0 0 0 36px rgba(195,237,194,.025), 0 0 0 72px rgba(195,237,194,.025); pointer-events: none; }

.site-footer { padding: 36px 0 25px; background: #fbfcfa; }
.footer-top { display: flex; align-items: center; gap: 28px; padding-bottom: 27px; }
.footer-brand { font-size: 17px; }
.footer-brand .brand-emblem { width: 31px; height: 31px; border-radius: 10px; font-size: 20px; }
.footer-tagline { margin: 0; color: #718279; font-size: 11px; }
.footer-nav { display: flex; align-items: center; flex-wrap: wrap; gap: 22px; margin-left: auto; padding-right: 120px; }
.footer-nav a { font-size: 10px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; gap: 30px; padding-top: 18px; border-top: 1px solid #e5ebe5; }
.footer-bottom p { max-width: 760px; margin: 0; color: #85938b; font-size: 9px; line-height: 1.7; }
.footer-bottom span { color: #718279; font-size: 9px; white-space: nowrap; }

@media (max-width: 900px) {
  .container { width: min(var(--container), calc(100% - 44px)); }
  .desktop-nav { gap: 20px; margin-right: 8px; }
  .desktop-nav a { font-size: 12px; }
  .hero-grid { min-height: 520px; grid-template-columns: 1fr .9fr; gap: 20px; }
  .hero-visual { min-height: 390px; }
  .offer-card { width: min(100%, 360px); padding: 22px; }
  .note-top { right: -1%; }
  .note-bottom { left: -1%; }
  .how-grid, .faq-grid { gap: 55px; }
  .benefit-card { padding: 25px 20px 22px; }
  .clarity-inner { grid-template-columns: 54px 1fr; }
  .clarity-link { grid-column: 2; justify-self: start; }
}

@media (max-width: 680px) {
  html { scroll-padding-top: 70px; }
  .container { width: min(var(--container), calc(100% - 40px)); }
  .nav-shell { min-height: 70px; gap: 12px; }
  .brand { gap: 8px; font-size: 19px; }
  .brand-emblem { width: 33px; height: 33px; border-radius: 11px; font-size: 22px; }
  .desktop-nav { display: none; }
  .nav-cta { min-height: 40px; margin-left: auto; padding: 0 13px; gap: 8px; font-size: 10px; }
  .mobile-menu { display: block; position: relative; order: 3; }
  .mobile-menu summary { width: 36px; height: 36px; display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 5px; border: 1px solid #e2ebe3; border-radius: 8px; background: #fff; cursor: pointer; list-style: none; }
  .mobile-menu summary::-webkit-details-marker { display: none; }
  .mobile-menu summary span { width: 15px; height: 1.5px; background: var(--ink); }
  .mobile-menu nav { min-width: 190px; position: absolute; top: 44px; right: 0; display: grid; gap: 0; padding: 8px; border: 1px solid var(--line); border-radius: 10px; background: #fff; box-shadow: 0 16px 35px rgba(20,49,41,.13); }
  .mobile-menu nav a { padding: 11px 12px; border-radius: 6px; color: var(--ink-soft); font-size: 12px; font-weight: 600; }
  .mobile-menu nav a:hover { background: #f1f8f2; }
  .hero-grid { min-height: 0; grid-template-columns: 1fr; gap: 18px; padding-top: 46px; padding-bottom: 35px; }
  .hero-copy { padding: 0; }
  .hero-copy .eyebrow { margin-bottom: 19px; font-size: 9px; }
  h1 { margin-bottom: 16px; font-size: clamp(43px, 12vw, 59px); line-height: 1.04; letter-spacing: -3.2px; }
  .hero-description { max-width: 470px; margin-bottom: 21px; font-size: 14px; line-height: 1.75; }
  .hero-actions { gap: 17px; }
  .button { min-height: 46px; padding: 0 17px; font-size: 12px; }
  .hero-note { margin-top: 16px; font-size: 10px; }
  .hero-visual { min-height: 390px; margin: 2px -10px 0; }
  .hero-visual::before { width: 305px; }
  .hero-visual::after { width: 238px; height: 238px; }
  .offer-card { width: min(86%, 360px); padding: 20px; transform: rotate(-1deg); }
  .offer-intro { padding: 23px 0 15px; }
  .offer-intro h2 { font-size: 18px; }
  .note-top { top: 10%; right: 0; }
  .note-bottom { bottom: 9%; left: 0; }
  .floating-note { padding: 9px 11px; font-size: 9px; }
  .visual-caption { right: 11px; bottom: 0; }
  .hero-bottom-inner { min-height: 49px; font-size: 9px; }
  .scroll-cue { font-size: 8px; letter-spacing: .7px; }
  .section-pad { padding: 70px 0; }
  .section-heading { margin-bottom: 28px; }
  .split-heading { grid-template-columns: 1fr; gap: 15px; }
  .split-heading .eyebrow, .how-intro .eyebrow, .faq-intro .eyebrow { margin-bottom: 13px; }
  .section-heading h2, .how-intro h2, .faq-intro h2 { font-size: 37px; letter-spacing: -1.8px; }
  .split-heading > p { max-width: 500px; font-size: 13px; }
  .benefit-grid { grid-template-columns: 1fr; gap: 12px; }
  .benefit-card { min-height: 0; padding: 23px 22px; }
  .benefit-icon { margin-bottom: 16px; }
  .benefit-card p { min-height: 0; margin-bottom: 13px; }
  .how-grid, .faq-grid { grid-template-columns: 1fr; gap: 35px; }
  .how-intro, .faq-intro { max-width: 500px; }
  .how-intro > p:not(.eyebrow) { max-width: 470px; font-size: 13px; }
  .step-item { grid-template-columns: 45px 1fr; gap: 12px; min-height: 125px; }
  .step-item h3 { font-size: 15px; }
  .step-item p { font-size: 11px; }
  .clarity-band { padding: 43px 0; }
  .clarity-inner { grid-template-columns: 45px 1fr; gap: 16px; }
  .clarity-symbol { width: 43px; height: 43px; border-radius: 13px; font-size: 28px; }
  .clarity-copy .eyebrow { font-size: 8px; letter-spacing: 1px; }
  .clarity-copy h2 { font-size: 24px; }
  .clarity-copy > p:last-child { font-size: 11px; }
  .clarity-link { grid-column: 2; font-size: 10px; }
  .faq-item summary { min-height: 65px; font-size: 12px; }
  .faq-item p { margin-right: 34px; font-size: 11px; }
  .final-cta { padding: 54px 0; }
  .final-cta-inner { min-height: 0; align-items: flex-start; flex-direction: column; gap: 20px; }
  .final-cta h2 { font-size: 36px; letter-spacing: -1.8px; }
  .final-cta-actions { max-width: 360px; }
  .cta-orb { width: 230px; height: 230px; top: -70px; right: -125px; }
  .site-footer { padding-top: 29px; }
  .footer-top { align-items: flex-start; flex-wrap: wrap; gap: 13px 20px; padding-bottom: 19px; }
  .footer-tagline { align-self: center; }
  .footer-nav { width: 100%; justify-content: flex-start; gap: 13px 18px; margin: 5px 0 0; }
  .footer-nav a { font-size: 9px; }
  .footer-bottom { flex-direction: column; gap: 10px; padding-top: 15px; }
  .footer-bottom p, .footer-bottom span { font-size: 9px; }
}

@media (max-width: 360px) {
  .container { width: calc(100% - 32px); }
  .nav-cta { padding: 0 10px; }
  .brand { font-size: 17px; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 13px; }
  .hero-bottom-inner > span:first-child { max-width: 210px; }
  .scroll-cue { white-space: nowrap; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}


.regulatory-section { background: #f6faf6; border-top: 1px solid #edf2ed; }
.regulatory-heading { margin-bottom: 34px; }
.regulatory-heading h2 { max-width: 450px; }
.regulatory-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.regulatory-card { display: flex; flex-direction: column; min-height: 245px; padding: 28px; border: 1px solid #e0e9e1; border-radius: 12px; background: #fff; }
.regulatory-kicker { margin-bottom: 11px; color: var(--pine); font-size: 9px; font-weight: 700; letter-spacing: 1.2px; }
.regulatory-card h3 { margin: 0 0 10px; color: var(--ink); font-size: 23px; letter-spacing: -.7px; }
.regulatory-card p { max-width: 490px; margin: 0 0 20px; color: var(--muted); font-size: 12px; line-height: 1.75; }
.regulatory-links { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: auto; }
.regulatory-links a { display: inline-flex; align-items: center; gap: 7px; color: var(--pine); font-size: 10px; font-weight: 700; text-decoration: underline; text-decoration-color: #a9cdbc; text-underline-offset: 4px; }
.regulatory-links a span { font-size: 13px; }
.regulatory-disclaimer { margin: 20px 0 0; color: #76867e; font-size: 10px; line-height: 1.65; }

@media (max-width: 680px) {
  .regulatory-heading { margin-bottom: 25px; }
  .regulatory-grid { grid-template-columns: 1fr; gap: 12px; }
  .regulatory-card { min-height: 0; padding: 23px 21px; }
  .regulatory-links { gap: 12px 16px; }
  .regulatory-disclaimer { font-size: 9px; }
}