/* VALN EDITORIAL DESIGN v1.0 – unique .valn-editorial scope only. No sitewide resets. */
.valn-editorial{--vx-navy:#102b4c;--vx-navy2:#071d35;--vx-blue:#1761ba;--vx-blue2:#3386e3;--vx-gold:#ffce4d;--vx-gold2:#fff3c8;--vx-bg:#f5f8fc;--vx-ink:#203550;--vx-muted:#596d84;--vx-border:#dfe7f1;--vx-border-strong:#cbd9e7;--vx-white:#fff;--vx-shadow:0 14px 34px rgba(20,45,81,.065);--vx-heading:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;font-family:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--vx-ink);font-size:16px;line-height:1.65;background:var(--vx-bg);color-scheme:light;padding:0 0 64px;width:100%;max-width:100%;isolation:isolate}
.valn-editorial *, .valn-editorial *::before,.valn-editorial *::after{box-sizing:border-box}
.valn-editorial .vx-shell{width:min(1320px,calc(100% - 40px));margin:0 auto}
.valn-editorial a{color:var(--vx-blue);text-decoration:underline;text-underline-offset:3px;transition:color .15s}
.valn-editorial a:hover{color:#124884}
.valn-editorial :is(a,button,input,select,summary):focus-visible{outline:3px solid #e0a800;outline-offset:3px}
.valn-editorial h1,.valn-editorial h2,.valn-editorial h3,.valn-editorial p{padding:0;max-width:none;margin-top:0}
.valn-editorial h1,.valn-editorial h2,.valn-editorial h3{font-family:var(--vx-heading);color:var(--vx-navy);letter-spacing:-.037em;line-height:1.19;font-weight:830}
.valn-editorial p{font-size:16px;color:var(--vx-muted);line-height:1.76;margin:0 0 16px}
.valn-editorial strong{color:var(--vx-ink)}
.valn-editorial li{font-size:15px;color:var(--vx-muted);line-height:1.7}
.valn-editorial ul{margin:0 0 13px;padding-left:21px}
.valn-editorial li+li{margin-top:6px}
.valn-editorial .vx-skip{position:absolute;left:-10000px;top:auto}
.valn-editorial .vx-skip:focus{left:12px;top:12px;z-index:1000;padding:9px 12px;background:#fff}
.valn-editorial .vx-hero{padding:42px 44px 43px;background:#0e2d52;color:#fff;display:grid;grid-template-columns:minmax(0,1fr) 328px;gap:42px;border-radius:0 0 22px 22px;position:relative;overflow:hidden}
.valn-editorial .vx-hero::after{display:none}
.valn-editorial .vx-overline{font-size:11px;letter-spacing:.14em;font-weight:800;color:#a8cef5;display:flex;gap:9px;align-items:center;margin-bottom:15px}
.valn-editorial .vx-small-dot{display:inline-block;width:7px;height:7px;background:var(--vx-gold);border-radius:50%}
.valn-editorial .vx-hero h1{font-size:clamp(38px,4.5vw,64px);line-height:1.09;color:#fff !important;max-width:730px;letter-spacing:-.055em;margin:0 0 19px;font-weight:850}
.valn-editorial .vx-hero h1 span{color:var(--vx-gold)}
.valn-editorial .vx-hero .vx-lead{font-size:18px;line-height:1.67;color:#d9e6f6;max-width:660px;margin:0 0 17px}
.valn-editorial .vx-hero .vx-lead strong{color:#fff}
.valn-editorial .vx-meta{display:flex;gap:8px 18px;flex-wrap:wrap;color:#aec6dd;font-size:12px}
.valn-editorial .vx-meta strong{color:#fff}
.valn-editorial .vx-hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.valn-editorial .vx-btn{display:inline-flex;justify-content:center;align-items:center;gap:12px;text-decoration:none!important;padding:12px 20px;border:1px solid transparent;border-radius:10px;font-weight:800;font-size:13px;line-height:1.25;min-height:46px;white-space:normal;text-align:center}
.valn-editorial .vx-btn-gold{background:var(--vx-gold);color:#132944!important;box-shadow:0 8px 24px rgba(0,0,0,.16)}
.valn-editorial .vx-btn-gold:hover{background:#ffdb76;color:#132944!important}
.valn-editorial .vx-btn-outline{border-color:rgba(218,235,255,.4);background:rgba(255,255,255,.085);color:#fff!important}
.valn-editorial .vx-btn-outline:hover{background:rgba(255,255,255,.14);color:#fff!important}
.valn-editorial .vx-hero .vx-trust{color:#aec7e4;font-size:12px;margin:15px 0 0}
.valn-editorial .vx-hero-side{align-self:stretch;position:relative;z-index:1;background:rgba(255,255,255,.95);color:var(--vx-ink);border-radius:16px;box-shadow:0 26px 44px rgba(0,0,0,.13);padding:24px 22px 20px;display:flex;flex-direction:column}
.valn-editorial .vx-scoretop{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:10px;letter-spacing:.12em;font-weight:900;color:#69809c;margin-bottom:9px}
.valn-editorial .vx-signal{background:#eaf4ff;color:#1562b5;border-radius:999px;padding:4px 8px}
.valn-editorial .vx-hero-stat{border-bottom:1px solid var(--vx-border);padding:12px 0;display:flex;align-items:center;gap:17px}
.valn-editorial .vx-hero-stat b{font-size:32px;letter-spacing:-.06em;line-height:1;min-width:75px;color:#0e467c}
.valn-editorial .vx-hero-stat strong{display:block;font-size:12px;color:var(--vx-navy);line-height:1.4}
.valn-editorial .vx-hero-stat small{display:block;font-size:11px;color:#687c95;line-height:1.5;margin-top:4px}
.valn-editorial .vx-sidefoot{font-size:11px;color:#71849d;margin-top:auto;padding-top:17px}
.valn-editorial .vx-answer{background:#fff;border:1px solid var(--vx-border);border-radius:16px;padding:25px 30px;margin:-20px 27px 20px;position:relative;box-shadow:var(--vx-shadow)}
.valn-editorial .vx-answer-tag{background:var(--vx-gold2);color:#795809;font-size:10px;font-weight:850;letter-spacing:.14em;padding:5px 9px;border-radius:5px}
.valn-editorial .vx-answer h2{font-size:24px;margin:11px 0 9px;color:var(--vx-navy)}
.valn-editorial .vx-answer p{color:#3b526d;line-height:1.74;margin-bottom:10px}
.valn-editorial .vx-answer-links{display:flex;gap:12px 22px;flex-wrap:wrap;font-size:13px;font-weight:750}
.valn-editorial .vx-jump{display:flex;flex-wrap:wrap;gap:10px;align-items:center;padding:0 23px;margin-bottom:24px}
.valn-editorial .vx-jump span{font-size:11px;color:#1260b6;font-weight:850;text-transform:uppercase;letter-spacing:.14em}
.valn-editorial .vx-jump a{font-size:12px;color:#1a3d6e;background:#e8f3ff;border:1px solid #c7dce9;border-radius:999px;padding:10px 14px;text-decoration:none;font-weight:650;transition:background .15s,color .15s}
.valn-editorial .vx-jump a:hover{background:var(--vx-navy);color:#fff}
.valn-editorial .vx-layout{display:grid;grid-template-columns:minmax(0,1fr) 244px;gap:30px;align-items:start;padding:0 23px}
.valn-editorial .vx-article{min-width:0}
.valn-editorial .vx-toc{position:sticky;top:95px;min-width:0}
.valn-editorial .vx-toc-inner{background:#fff;border:1px solid var(--vx-border);border-radius:15px;padding:20px 18px;box-shadow:0 10px 30px rgba(18,41,72,.04)}
.valn-editorial .vx-toc-title{display:block;color:#8190a3;font-size:11px;font-weight:900;letter-spacing:.15em;margin-bottom:9px}
.valn-editorial .vx-toc nav{display:grid;gap:1px;max-height:min(54vh,520px);overflow:auto}
.valn-editorial .vx-toc nav a{font-size:12px;line-height:1.4;color:#60728a;padding:7px 9px;text-decoration:none;border-radius:7px}
.valn-editorial .vx-toc nav a:hover,.valn-editorial .vx-toc nav a.is-active{background:#edf5ff;color:#0c4b92;font-weight:780}
.valn-editorial .vx-toc-cta{border-top:1px solid var(--vx-border);margin-top:18px;padding-top:18px}
.valn-editorial .vx-toc-cta strong{font-size:14px;color:var(--vx-navy)}
.valn-editorial .vx-toc-cta p{font-size:12px;line-height:1.5;margin:7px 0 12px}
.valn-editorial .vx-toc-cta a{display:block;border-radius:8px;background:var(--vx-gold);color:#163252!important;padding:11px 12px;text-decoration:none;font-size:12px;text-align:center;font-weight:850}
.valn-editorial .vx-top-intro{margin-bottom:16px}
.valn-editorial .vx-top-intro h2{font-size:30px;margin:6px 0 8px}
.valn-editorial .vx-top-intro p{margin:0}
.valn-editorial .vx-kicker{font-size:11px;letter-spacing:.14em;font-weight:850;color:#1260b6;text-transform:uppercase}
.valn-editorial .vx-steps{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:9px;margin:20px 0 37px}
.valn-editorial .vx-step{padding:15px 12px;background:#fff;border:1px solid var(--vx-border);border-top:3px solid #2173c4;border-radius:10px;min-width:0}
.valn-editorial .vx-step-index{width:25px;height:25px;border-radius:7px;background:#eaf4ff;color:#175ba7;display:grid;place-items:center;font-weight:850;font-size:12px;margin-bottom:12px}
.valn-editorial .vx-step strong{display:block;font-size:12px;color:var(--vx-navy);line-height:1.3}
.valn-editorial .vx-step small{display:block;margin-top:6px;color:#6d819b;font-size:11px;line-height:1.4}
.valn-editorial .vx-section{padding-top:30px;border-top:1px solid var(--vx-border);scroll-margin-top:92px;margin-bottom:36px}
.valn-editorial .vx-section-head{margin-bottom:20px}
.valn-editorial .vx-section h2{font-size:clamp(29px,2.7vw,39px);margin:7px 0 10px}
.valn-editorial .vx-section-intro{font-size:16px;line-height:1.7;max-width:750px;margin-bottom:0;color:#5c7189}
.valn-editorial .vx-section h3{font-size:20px;letter-spacing:-.025em;margin:25px 0 10px}
.valn-editorial .vx-grid{display:grid;gap:14px;margin:18px 0 20px}
.valn-editorial .vx-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.valn-editorial .vx-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.valn-editorial .vx-grid-1{grid-template-columns:1fr}
.valn-editorial .vx-card{min-width:0;background:#fff;border:1px solid var(--vx-border);border-radius:12px;padding:20px 20px 18px;box-shadow:var(--vx-shadow)}
.valn-editorial .vx-card h3{font-size:17px;margin:0 0 8px;line-height:1.3}
.valn-editorial .vx-card p{font-size:14px;line-height:1.72;margin-bottom:9px}
.valn-editorial .vx-card ul{padding-left:20px;margin:6px 0}
.valn-editorial .vx-card li{font-size:13px;margin:3px 0}
.valn-editorial .vx-card-eyebrow{font-size:10px;font-weight:850;letter-spacing:.11em;color:#1a70bb;margin-bottom:12px}
.valn-editorial .vx-feature{border-top:3px solid #2376bd}
.valn-editorial .vx-number{font-weight:900;font-size:34px;letter-spacing:-.04em;color:#104779;line-height:1;margin:8px 0 14px}
.valn-editorial .vx-number span{font-size:12px;letter-spacing:0;font-weight:750;color:#7587a0;line-height:1.4;display:inline-block;max-width:130px}
.valn-editorial .vx-border-blue{border-top:3px solid #2278cc}
.valn-editorial .vx-border-gold{border-top:3px solid #efb92b}
.valn-editorial .vx-border-slate{border-top:3px solid #8494aa}
.valn-editorial .vx-inset-table{padding:0;overflow:hidden}
.valn-editorial .vx-inset-table >h3{display:none}
.valn-editorial .vx-inset-table .vx-table-scroller{margin:0;border:0;border-radius:0}
.valn-editorial .vx-check-card{border-left:4px solid #ffcb4a}
.valn-editorial .vx-mini-pill{font-size:11px;background:#ecf4fc;color:#16518e;border-radius:6px;padding:3px 7px;white-space:nowrap}
.valn-editorial .vx-muted-small{font-size:12px!important;color:#5c6f85!important}
.valn-editorial .vx-inline-action{font-size:13px;font-weight:800}
.valn-editorial .vx-table-scroller{max-width:100%;overflow-x:auto;border:1px solid var(--vx-border);border-radius:13px;background:#fff;margin:18px 0 22px;-webkit-overflow-scrolling:touch}
.valn-editorial .vx-table{border-collapse:separate;border-spacing:0;width:100%;min-width:560px;margin:0;table-layout:auto;border:0}
.valn-editorial .vx-table caption{caption-side:top;text-align:left;font-size:12px;color:#5c6f85;padding:11px 15px;background:#f8fbff;border-bottom:1px solid var(--vx-border)}
.valn-editorial .vx-table thead th{background:#113a65;color:#fff!important;font-size:12px;font-weight:800;letter-spacing:.015em;text-align:left;padding:13px 14px;border:0;white-space:normal}
.valn-editorial .vx-table td{font-size:13px;line-height:1.56;color:#4a607a!important;padding:12px 14px;border-bottom:1px solid #e7edf4;vertical-align:top;overflow-wrap:break-word}
.valn-editorial .vx-table tbody tr:nth-child(even){background:#f8fbff}
.valn-editorial .vx-table tbody tr:hover{background:#edf6ff}
.valn-editorial .vx-table tbody tr:last-child td{border-bottom:0}
.valn-editorial .vx-table td:first-child{color:#203d60!important;font-weight:800}
.valn-editorial .vx-table td strong{font-size:13px}
.valn-editorial .vx-note{border:1px solid #e1e8f3;border-left:4px solid #efba33;background:#fffdf5;border-radius:10px;padding:18px 19px;margin:20px 0 24px}
.valn-editorial .vx-note-label{display:block;font-size:10px;font-weight:850;letter-spacing:.14em;color:#9a7311;margin-bottom:6px}
.valn-editorial .vx-note strong{display:block;color:var(--vx-navy);font-size:16px;margin-bottom:6px}
.valn-editorial .vx-note p{font-size:14px;margin:0}
.valn-editorial .vx-update-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.valn-editorial .vx-update{border-top:3px solid #f1c047}
.valn-editorial .vx-flow-line{display:flex;align-items:center;flex-wrap:wrap;gap:8px;padding:15px;margin:22px 0;background:#fff;border:1px solid var(--vx-border);border-radius:12px}
.valn-editorial .vx-flow-line span{background:#edf5ff;padding:8px 10px;font-size:12px;font-weight:800;color:#285481;border-radius:7px}
.valn-editorial .vx-flow-line b{font-size:17px;color:#9eb3ca}
.valn-editorial .vx-contrast{display:grid;grid-template-columns:1fr 1fr;background:white;border-radius:14px;border:1px solid var(--vx-border);overflow:hidden;margin:15px 0 21px}
.valn-editorial .vx-contrast>div{padding:22px}
.valn-editorial .vx-contrast-navy{background:var(--vx-navy);color:#fff}
.valn-editorial .vx-contrast span{display:block;font-size:10px;letter-spacing:.14em;font-weight:850;margin-bottom:9px;color:#97bfe9}
.valn-editorial .vx-contrast strong{font-size:24px;display:block;line-height:1.2;color:inherit}
.valn-editorial .vx-contrast p{font-size:13px;line-height:1.6;margin:10px 0 0;color:inherit;opacity:.8}
.valn-editorial .vx-contrast-white span{color:#8a9aaf}
.valn-editorial .vx-contrast-white strong{color:var(--vx-navy)}
.valn-editorial .vx-metric-card{padding:20px 16px}
.valn-editorial .vx-calculator{border:1px solid var(--vx-border-strong);background:#fff;border-radius:16px;padding:24px;margin:27px 0;box-shadow:var(--vx-shadow)}
.valn-editorial .vx-calculator-head h3{font-size:25px;margin:5px 0 7px}
.valn-editorial .vx-calculator-head p{font-size:14px}
.valn-editorial .vx-form-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:18px 0}
.valn-editorial .vx-form-grid label{display:block;color:#526780;font-size:12px;font-weight:800}
.valn-editorial .vx-form-grid input,.valn-editorial .vx-form-grid select{display:block;font:inherit!important;font-size:15px!important;line-height:1.3;width:100%;height:43px;border:1px solid #cfdce9;border-radius:9px;background:#fff!important;color:var(--vx-ink)!important;padding:9px 11px;margin-top:6px;box-shadow:none;max-width:100%}
.valn-editorial .vx-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
.valn-editorial .vx-results-two{grid-template-columns:repeat(2,minmax(0,1fr))}
.valn-editorial .vx-results>div{padding:16px;background:#edf6ff;border-radius:10px}
.valn-editorial .vx-results span{font-size:11px;display:block;font-weight:800;color:#637d99}
.valn-editorial .vx-results strong{display:block;font-size:25px;letter-spacing:-.04em;color:#0b4985;margin:5px 0}
.valn-editorial .vx-results small{display:block;font-size:11px;color:#72869e;line-height:1.4}
.valn-editorial .vx-calculator-note{font-size:11px;line-height:1.5;color:#5c6f85;margin:12px 0 0}
.valn-editorial .vx-math{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--vx-border);border-radius:12px;padding:15px;margin:18px 0;flex-wrap:wrap}
.valn-editorial .vx-math div{flex:1 1 135px}
.valn-editorial .vx-math small{font-size:11px;color:#71849b;display:block}
.valn-editorial .vx-math strong{font-size:20px;color:#105189;display:block;letter-spacing:-.035em}
.valn-editorial .vx-math b{font-size:22px;color:#5f7384}
.valn-editorial .vx-small-card{border-top:3px solid #1e77c4}
.valn-editorial .vx-unavailable{border-top-color:#9babbc}
.valn-editorial .vx-process{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:16px 0}
.valn-editorial .vx-process>div{display:grid;grid-template-columns:34px 1fr;column-gap:12px;align-items:start;background:#fff;border:1px solid var(--vx-border);border-radius:11px;padding:15px}
.valn-editorial .vx-process span{background:#e8f3ff;color:#145ca0;border-radius:8px;width:30px;height:30px;display:grid;place-items:center;grid-row:1/3;font-weight:850}
.valn-editorial .vx-process strong{display:block;font-size:13px;color:var(--vx-navy)}
.valn-editorial .vx-process p{font-size:12px;margin:5px 0 0;line-height:1.55}
.valn-editorial .vx-fee-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-bottom:18px}
.valn-editorial .vx-fee-head{background:#fff;border:1px solid var(--vx-border);border-top:3px solid #fec944;border-radius:10px;padding:17px 13px;color:#60748c;font-size:12px;font-weight:750}
.valn-editorial .vx-fee-head strong{font-size:30px;color:#0f4b82;display:block;line-height:1.2;margin:9px 0 6px;letter-spacing:-.04em}
.valn-editorial .vx-fee-head small{font-size:11px;color:#8a98a9}
.valn-editorial .vx-scenario{border-top:3px solid #2280d1}
.valn-editorial .vx-checker-panel{background:linear-gradient(112deg,#0d3057,#1e5692);padding:24px;border-radius:15px;display:grid;grid-template-columns:1fr auto;gap:15px;align-items:center}
.valn-editorial .vx-checker-panel h3{color:#fff;font-size:25px;margin:4px 0 8px}
.valn-editorial .vx-checker-panel p{color:#d4e7fa;font-size:14px}
.valn-editorial .vx-checker-panel .vx-kicker{color:#ffce4d}
.valn-editorial .vx-faq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;align-items:start}
.valn-editorial .vx-faq-item{border:1px solid var(--vx-border);background:#fff;border-radius:11px;overflow:hidden;margin:0;box-shadow:0 4px 12px rgba(0,0,0,.025)}
.valn-editorial .vx-faq-item summary{list-style:none;cursor:pointer;font-size:13px;color:var(--vx-navy);font-weight:800;min-height:54px;padding:15px 42px 14px 15px;position:relative;line-height:1.45}
.valn-editorial .vx-faq-item summary::-webkit-details-marker{display:none}
.valn-editorial .vx-faq-item .vx-toggle{position:absolute;right:15px;top:14px;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;color:#195f9c;background:#edf5ff}
.valn-editorial .vx-toggle::after{content:"+";font-size:18px;line-height:1}
.valn-editorial .vx-faq-item[open] .vx-toggle::after{content:"−"}
.valn-editorial .vx-faq-answer{padding:1px 16px 16px;border-top:1px solid #ecf0f7}
.valn-editorial .vx-faq-answer p{font-size:13px;margin:12px 0 0;line-height:1.65}
.valn-editorial .vx-sources{columns:2;column-gap:25px;margin:14px 0 0;padding-left:22px}
.valn-editorial .vx-sources li{break-inside:avoid;padding:0 0 9px 3px;font-size:12px}
.valn-editorial .vx-sources a{font-size:12px;font-weight:700}
.valn-editorial .vx-source{font-size:11px;white-space:nowrap}
.valn-editorial .vx-source-method{font-size:12px;color:#78899d;margin-top:22px}
.valn-editorial .vx-final{display:flex;align-items:center;justify-content:space-between;gap:22px;background:#0e2d52;border-radius:14px;padding:28px 26px;margin:26px 0;color:#fff}
.valn-editorial .vx-final h2{font-size:27px;color:#fff;margin:6px 0 9px}
.valn-editorial .vx-final p{font-size:13px;color:#c8dcf0;margin:0}
.valn-editorial .vx-final .vx-kicker{color:var(--vx-gold)}
@media(max-width:1180px){.valn-editorial .vx-hero{grid-template-columns:1fr 300px;gap:24px;padding:34px}.valn-editorial .vx-layout{grid-template-columns:minmax(0,1fr) 210px;gap:20px}.valn-editorial .vx-fee-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:980px){.valn-editorial .vx-hero{grid-template-columns:1fr}.valn-editorial .vx-hero-side{display:grid;grid-template-columns:1fr 1fr;gap:2px 17px}.valn-editorial .vx-scoretop,.valn-editorial .vx-sidefoot{grid-column:1/-1}.valn-editorial .vx-layout{grid-template-columns:1fr}.valn-editorial .vx-toc{display:none}.valn-editorial .vx-grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.valn-editorial .vx-steps{grid-template-columns:repeat(5,minmax(0,1fr))}}
@media(max-width:680px){.valn-editorial .vx-shell{width:100%}.valn-editorial .vx-hero{padding:28px 19px;border-radius:0}.valn-editorial .vx-hero h1{font-size:39px}.valn-editorial .vx-hero .vx-lead{font-size:16px}.valn-editorial .vx-hero-side{grid-template-columns:1fr 1fr;padding:17px 16px}.valn-editorial .vx-hero-stat{gap:8px}.valn-editorial .vx-hero-stat b{font-size:27px;min-width:53px}.valn-editorial .vx-hero-stat strong{font-size:11px}.valn-editorial .vx-hero-stat small{font-size:10px}.valn-editorial .vx-answer{margin:-12px 13px 18px;padding:20px}.valn-editorial .vx-answer h2{font-size:21px}.valn-editorial .vx-jump{padding:0 13px;flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}.valn-editorial .vx-jump>*{flex:0 0 auto}.valn-editorial .vx-layout{padding:0 15px}.valn-editorial .vx-steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}.valn-editorial .vx-step:last-child{grid-column:1/-1}.valn-editorial .vx-grid-2,.valn-editorial .vx-grid-3,.valn-editorial .vx-update-grid,.valn-editorial .vx-faq-grid,.valn-editorial .vx-contrast,.valn-editorial .vx-process{grid-template-columns:1fr}.valn-editorial .vx-section h2{font-size:30px}.valn-editorial .vx-section h3{font-size:20px}.valn-editorial .vx-form-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.valn-editorial .vx-results{grid-template-columns:1fr}.valn-editorial .vx-math{display:grid;grid-template-columns:1fr 26px 1fr;gap:10px}.valn-editorial .vx-math div:last-child{grid-column:1/-1}.valn-editorial .vx-fee-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.valn-editorial .vx-checker-panel{grid-template-columns:1fr}.valn-editorial .vx-sources{columns:1}.valn-editorial .vx-final{flex-direction:column;align-items:stretch}.valn-editorial .vx-hero-actions .vx-btn{width:100%}.valn-editorial .vx-grid-1 .vx-table{min-width:620px}}
@media(max-width:420px){.valn-editorial .vx-hero h1{font-size:35px}.valn-editorial .vx-hero-side{grid-template-columns:1fr 1fr}.valn-editorial .vx-hero-stat{display:block}.valn-editorial .vx-hero-stat b{display:block;margin-bottom:8px}.valn-editorial .vx-form-grid{grid-template-columns:1fr}.valn-editorial .vx-results-two{grid-template-columns:1fr}.valn-editorial .vx-fee-grid{grid-template-columns:1fr 1fr}.valn-editorial .vx-fee-head strong{font-size:26px}}
@media(prefers-reduced-motion:reduce){.valn-editorial *{scroll-behavior:auto!important;transition:none!important}}
@media print{.valn-editorial .vx-toc,.valn-editorial .vx-jump,.valn-editorial .vx-hero-actions{display:none}.valn-editorial .vx-layout{display:block}.valn-editorial .vx-hero{background:#fff;color:#111}.valn-editorial .vx-hero h1,.valn-editorial .vx-hero .vx-lead{color:#111!important}.valn-editorial .vx-faq-item{break-inside:avoid}.valn-editorial .vx-section{break-inside:avoid}}

/* Page-scoped width override: hide Divi sidebar, let editorial go full-width */
.et_pb_row:has(.valn-editorial) > .et_pb_column_3_4 {
    width: 100% !important;
    max-width: 100% !important;
}
.et_pb_row:has(.valn-editorial) > .et_pb_column_1_4 {
    display: none !important;
}

/* ============================================================
   COMPAT LAYER vs legacy !important rules
   Fixes 6 defects from VALN plugin/Divi theme CSS collisions.
   Specificity 0-3-2+ needed to beat body:is(.page-id-648) .vlnPage :is(h1,...) at 0-2-2.
   ============================================================ */

/* FIX 1 — Hero H1 + CTA H2: white on dark surfaces
   Uses #page-container (1-x-x) to beat :is(:has(#id)) rules at 1-2-2 */
body #page-container .valn-editorial[data-valn-editorial] .vx-hero h1,
body #page-container .valn-editorial[data-valn-editorial] .vx-final h2 {
    color: #fff !important;
    font-family: var(--vx-heading) !important;
    letter-spacing: -.037em !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero h1 span {
    color: var(--vx-gold) !important;
}
/* All section headings: restore scoped navy, override vlnPage heading color */
body #page-container .valn-editorial[data-valn-editorial] :is(h1, h2, h3) {
    color: var(--vx-navy) !important;
    font-family: var(--vx-heading) !important;
}

/* FIX 2 — Hero links: inherit white, not global blue */
body #page-container .valn-editorial[data-valn-editorial] .vx-hero a:not(.vx-btn) {
    color: inherit !important;
    text-decoration: none !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-btn-gold {
    color: #132944 !important;
    text-decoration: none !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-btn-outline {
    color: #fff !important;
    text-decoration: none !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-answer a,
body #page-container .valn-editorial[data-valn-editorial] .vx-source {
    color: var(--vx-blue) !important;
}

/* FIX 3 — Defensive: hide any byline module injected by PHP hook above editorial */
.et_pb_row:has(.valn-editorial) .valn-byline,
.et_pb_row:has(.valn-editorial) [class*="rss-mh"] {
    display: none !important;
}

/* FIX 4 — Gap: collapse template padding and hide wpautop <br> between anchor spans */
.et_pb_section:has(.valn-editorial) {
    padding-top: 0 !important;
    padding-bottom: 0 !important;
}
.et_pb_row:has(.valn-editorial) {
    padding-top: 0 !important;
    padding-bottom: 0 !important;
}
.valn-editorial > br {
    display: none !important;
}

/* FIX 5 — thead navy background on all vx-tables (beats .custom-table table thead th) */
body .valn-editorial[data-valn-editorial] .vx-table thead,
body .valn-editorial[data-valn-editorial] .vx-table thead th {
    background: #113a65 !important;
    background-color: #113a65 !important;
    color: #fff !important;
    border-color: rgba(255,255,255,.12) !important;
}

/* FIX 6 — Single FAQ toggle: suppress legacy summary::after, keep only .vx-toggle */
body .valn-editorial[data-valn-editorial] .vx-faq-item summary::after {
    content: none !important;
    display: none !important;
}
body .valn-editorial[data-valn-editorial] .vx-faq-item summary::marker {
    content: none !important;
    display: none !important;
}
body .valn-editorial[data-valn-editorial] .vx-faq-item summary {
    list-style: none !important;
}

/* FIX 7 — FAQ grid: single column layout */
#page-container .valn-editorial[data-valn-editorial] .vx-faq-grid {
    grid-template-columns: 1fr !important;
}

/* FIX 7b — Hero byline (valn-eeat-*), lead, trust, meta: light text on navy
   Beats valn-components-v2.css color: #0b1f3a !important via #page-container ID specificity
   Applies to all vx-hero variants (all are navy) */
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-wrap,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-line,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-line__desktop,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-sep,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-role,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-updated,
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-line--updated {
    color: rgba(217, 230, 246, 1) !important;
    -webkit-text-fill-color: rgba(217, 230, 246, 1) !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-link {
    color: #fff !important;
    -webkit-text-fill-color: #fff !important;
    text-decoration: none !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-lead {
    color: #d9e6f6 !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-lead strong {
    color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-meta {
    color: #aec6dd !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-meta strong {
    color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .vx-trust {
    color: #aec7e4 !important;
}

/* FIX 8b — valn-eeat-wrap inside vx-hero: seat MHC byline between vx-lead and actions.
   FIX 8 (display:none) removed — valn-eeat-wrap IS the hero byline on vx- pages.
   MHC injects it after H1 (position=top); these margins place it correctly. */
body #page-container .valn-editorial[data-valn-editorial] .vx-hero .valn-eeat-wrap {
    margin-top: 4px !important;
    margin-bottom: 14px !important;
}

/* FIX 9 — Wide pay tables: th nowrap so table expands to natural column width.
   vx-table-scroller (overflow-x:auto) handles the horizontal scroll.
   Without this, 18-column tables collapse to ~52px cols and stack text vertically.
   !important required — theme overrides white-space on table cells without it. */
body .valn-editorial[data-valn-editorial] .vx-table th {
    white-space: nowrap !important;
    word-break: normal !important;
    overflow-wrap: normal !important;
    min-width: 4rem;
}
body .valn-editorial[data-valn-editorial] .vx-table td {
    white-space: nowrap !important;
    word-break: normal !important;
    overflow-wrap: normal !important;
}
body .valn-editorial[data-valn-editorial] .vx-table-scroller {
    overflow-x: auto !important;
    -webkit-overflow-scrolling: touch;
}

/* FIX 10 — vx-final CTA box: text light on navy surface.
   vlnPage body:is(.page-id-NNN) rules override p/span color at 0-3-2.
   Must use #page-container for 1-x-x specificity. */
body #page-container .valn-editorial[data-valn-editorial] .vx-final p,
body #page-container .valn-editorial[data-valn-editorial] .vx-final span:not(.vx-kicker) {
    color: #c8dcf0 !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-final h2 {
    color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-final .vx-btn-gold {
    align-self: center !important;
}

/* FIX 11 — Links on navy surfaces: light treatment instead of standard blue.
   Must beat body.valn-ui #main-content :is(p,...) a:not():not():not() at 1-5-2.
   Using body.valn-ui for 1-6-2 specificity. */
body.valn-ui #page-container .valn-editorial[data-valn-editorial] .vx-final.vx-final a:not(.vx-btn) {
    color: #d9e6f6 !important;
    -webkit-text-fill-color: #d9e6f6 !important;
    text-decoration: underline !important;
    text-underline-offset: 3px !important;
    transition: none !important;
}
body.valn-ui #page-container .valn-editorial[data-valn-editorial] .vx-final a:not(.vx-btn):hover {
    color: #fff !important;
    -webkit-text-fill-color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy a {
    color: #d9e6f6 !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel a:not(.vx-btn) {
    color: #d9e6f6 !important;
}

/* FIX 12 — Double table border: suppress scroller bottom border when last row has none.
   vx-table tbody tr:last-child td already sets border-bottom:0, but the scroller wrapper
   border overlaps creating a doubled line at the bottom edge. */
body .valn-editorial[data-valn-editorial] .vx-table-scroller {
    border-bottom-width: 0 !important;
}
body .valn-editorial[data-valn-editorial] .vx-table {
    border-bottom: 1px solid var(--vx-border);
}

/* FIX 13 — Mobile jump pills: edge fade mask + hidden scrollbar for scroll hint. */
@media(max-width:680px){
    .valn-editorial .vx-jump {
        -webkit-mask-image: linear-gradient(90deg, #000 0%, #000 85%, transparent 100%) !important;
        mask-image: linear-gradient(90deg, #000 0%, #000 85%, transparent 100%) !important;
        padding-right: 40px !important;
        -ms-overflow-style: none !important;
    }
    .valn-editorial .vx-jump::-webkit-scrollbar {
        display: none !important;
    }
}

/* FIX 14 — Mobile layout: 8px outer gutters, hero stays inside container.
   Must beat vln-ui.css specificity (body.valn-ui...#main-content :is(.et_pb_row) !important).
   Outer gutter = 8px from viewport edge to hero/overview/section edge.
   Hero inner 16px. Overview + cards 14px. Layout padding zeroed. */
@media(max-width:680px){
    body.valn-ui.et_pb_pagebuilder_layout:has(.valn-editorial) #main-content .et_pb_row_0_tb_body{padding-left:8px!important;padding-right:8px!important}
    body.valn-ui.et_pb_pagebuilder_layout:has(.valn-editorial) #main-content .et-l--post .et_pb_row{padding-left:0!important;padding-right:0!important}
    body.valn-ui:has(.valn-editorial) .et_pb_post_content{padding-left:0!important;padding-right:0!important}
    .valn-editorial .vx-hero{width:100%!important;margin-left:0!important}
    .valn-editorial .vx-layout{padding-left:0!important;padding-right:0!important}
    .valn-editorial .vx-overview{padding-left:14px!important;padding-right:14px!important}
    .valn-editorial .vx-overview-card{padding-left:14px!important;padding-right:14px!important}
    .valn-editorial .vx-card{padding-left:14px!important;padding-right:14px!important}
}

/* FIX 15 — Tool topstrip phone: prevent wrap at narrow viewports. */
@media(max-width:480px){
    .valn-editorial [class*="topstrip"] a[href^="tel:"],
    #vlnReqChecker .rc-topstrip a[href^="tel:"] {
        white-space: nowrap !important;
        font-size: 10px !important;
        letter-spacing: 0 !important;
    }
}

/* === VALN Req Intro v2 — hero + overview join + direct answer (2026-10-24) === */
/* When hero is immediately followed by .vx-overview: square hero bottom, overview gets top border only */
.valn-editorial .vx-hero:has(+ .vx-overview){border-radius:22px 22px 0 0!important}
.valn-editorial .vx-hero-intro{max-width:none;margin:0 0 15px}
/* Direct-answer label + content on navy */
.valn-editorial .vx-direct-label{display:flex;align-items:center;gap:9px;font-size:10px;letter-spacing:.16em;color:#a8cef5;font-weight:900;margin:0 0 7px;text-transform:uppercase}
.valn-editorial .vx-direct-line{width:21px;height:3px;background:var(--vx-gold,#ffce4d);border-radius:3px}
.valn-editorial .vx-hero-intro h2{font-size:clamp(19px,2vw,23px)!important;line-height:1.27!important;margin:0 0 9px!important;font-weight:850;letter-spacing:-.023em}
.valn-editorial .vx-hero-intro p{font-size:16px!important;line-height:1.62!important;max-width:none;margin:0 0 3px!important}
/* High-specificity white/light overrides for direct-answer text on navy hero.
   Beats body #page-container :is(h1,h2,h3) at 1-3-1 and the plugin link-color rule. */
body #page-container .valn-editorial[data-valn-editorial] .vx-hero-intro h2{color:#fff!important;-webkit-text-fill-color:#fff!important}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero-intro p{color:#d9e6f6!important;-webkit-text-fill-color:#d9e6f6!important}
body #page-container .valn-editorial[data-valn-editorial] .vx-hero-intro p strong{color:#fff!important;-webkit-text-fill-color:#fff!important}
body.valn-ui #page-container .valn-editorial[data-valn-editorial] .vx-hero-intro .vx-source{color:#8dc4ff!important;-webkit-text-fill-color:#8dc4ff!important;font-size:12px!important;white-space:nowrap}
.valn-editorial .vx-overview{margin:0 0 20px;padding:24px 26px 22px;background:#fff;border:1px solid #dbe6f3;border-top:1px solid #e4ebf5;border-radius:0 0 18px 18px;box-shadow:0 16px 38px rgba(20,48,94,.05)}
.valn-editorial .vx-overview-heading{display:flex;justify-content:space-between;align-items:end;gap:15px;margin-bottom:17px}
.valn-editorial .vx-overview-heading h2{font-size:clamp(23px,2.7vw,30px)!important;letter-spacing:-.035em!important;line-height:1.18!important;color:#0b2f5b;margin:5px 0 6px!important}
.valn-editorial .vx-overview-heading p{font-size:14px!important;line-height:1.5!important;color:#677a92!important;margin:0!important}
.valn-editorial .vx-overview-heading .vx-kicker{color:#2264a8;letter-spacing:.14em;font-size:10px;font-weight:900}
.valn-editorial .vx-overview-all{color:#2562a6!important;font-size:12px;font-weight:750;text-decoration:none;white-space:nowrap;margin-bottom:5px}
.valn-editorial .vx-overview-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.valn-editorial .vx-overview-card{display:flex;flex-direction:column;padding:17px 17px 14px;min-width:0;background:#fbfdff;border:1px solid #dae6f4;border-top:3px solid #2a6ebb;border-radius:11px;min-height:212px;transition:box-shadow .16s,transform .16s}
.valn-editorial .vx-overview-card:nth-child(3n+2){border-top-color:#d6a32a}
.valn-editorial .vx-overview-card:nth-child(3n){border-top-color:#6489be}
.valn-editorial .vx-overview-card:hover{box-shadow:0 12px 25px rgba(17,52,103,.11);transform:translateY(-2px)}
.valn-editorial .vx-overview-head{display:flex;align-items:center;gap:8px;min-height:22px}
.valn-editorial .vx-overview-no{display:inline-grid;place-items:center;background:#e9f2ff;color:#245d9f;width:27px;height:25px;border-radius:6px;font-size:11px;font-weight:900}
.valn-editorial .vx-overview-topic{color:#607896;font-size:10px;letter-spacing:.09em;font-weight:850}
.valn-editorial .vx-overview-stat{font-size:clamp(25px,2.5vw,32px);line-height:1.15;letter-spacing:-.04em;font-weight:900;color:#114a8a;margin:10px 0 7px}
.valn-editorial .vx-overview-card h3{font-size:17px!important;line-height:1.22!important;color:#142e53!important;letter-spacing:-.025em!important;margin:0 0 8px!important;font-weight:800}
.valn-editorial .vx-overview-card p{font-size:13px!important;line-height:1.52!important;color:#5f718a!important;margin:0 0 11px!important}
.valn-editorial .vx-overview-link{margin-top:auto;color:#1559a3!important;font-size:12px;font-weight:820;text-decoration:none!important;border-top:1px solid #e3ebf6;padding-top:10px;line-height:1.3}
.valn-editorial .vx-overview-link:hover{text-decoration:underline!important}
.valn-editorial .vx-overview-bottom{margin-top:13px;padding:14px 17px;background:#f1f6ff;border:1px solid #d8e6f6;border-radius:11px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.valn-editorial .vx-overview-bottom-tag{font-size:10px;letter-spacing:.13em;font-weight:900;color:#1d63a9;display:block;margin-bottom:3px}
.valn-editorial .vx-overview-bottom p{font-size:13px!important;line-height:1.52!important;color:#506983!important;margin:0!important}
.valn-editorial .vx-overview-bottom p strong{color:#16375f}
.valn-editorial .vx-bottom-link{font-size:12px;font-weight:850;color:#164f93!important;text-decoration:none!important;white-space:nowrap}
.valn-editorial .vx-bottom-link:hover{text-decoration:underline!important}
@media(max-width:1000px){.valn-editorial .vx-overview-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.valn-editorial .vx-overview-card{min-height:195px}.valn-editorial .vx-overview-heading{align-items:start;flex-direction:column}}
@media(max-width:640px){.valn-editorial .vx-hero:has(+ .vx-overview){border-radius:13px 13px 0 0!important}.valn-editorial .vx-hero-intro h2{font-size:19px!important}.valn-editorial .vx-hero-intro p{font-size:15px!important;line-height:1.59!important}.valn-editorial .vx-overview{padding:20px 14px 16px;border-radius:0 0 13px 13px}.valn-editorial .vx-overview-grid{grid-template-columns:1fr;gap:9px}.valn-editorial .vx-overview-card{min-height:0;padding:15px 15px 13px}.valn-editorial .vx-overview-stat{margin:8px 0 6px;font-size:28px}.valn-editorial .vx-overview-card p{font-size:13px!important}.valn-editorial .vx-overview-bottom{flex-direction:column;align-items:start;gap:10px}.valn-editorial .vx-overview-all{white-space:normal}.valn-editorial .vx-overview-heading h2{font-size:25px!important}}
@media(prefers-reduced-motion:reduce){.valn-editorial .vx-overview-card{transition:none}}

/* === Overflow clip fix (2026-10-24, extended to all viewports Run 6) ===
   Root cause: Divi sets overflow:hidden auto on body, #page-container,
   #main-content, .et_pb_code_inner, .et_pb_post_content — creating nested
   scroll containers that break position:sticky AND scroll-margin-top on
   hash navigation. overflow-x:clip prevents h-overflow without creating a
   scroll container. Applied at ALL viewports (was >=981px only in Run 1-5,
   causing chip navigation to ignore scroll-margin-top on mobile). */
html:has(.valn-editorial),
body:has(.valn-editorial),
body:has(.valn-editorial) #page-container,
body:has(.valn-editorial) #et-boc,
body:has(.valn-editorial) #et-main-area,
body:has(.valn-editorial) #main-content,
body:has(.valn-editorial) .et_pb_code_inner,
body:has(.valn-editorial) .et_pb_post_content{overflow-x:clip!important;overflow-y:visible!important}
@media(min-width:981px){
  /* Fixed Divi header row = 60px. top = 60 + 16 = 76px */
  .valn-editorial .vx-toc{top:76px}
}

/* === Contrast pass (2026-10-24) — every muted text to ≥4.5:1 on its actual bg ===
   White bg: ≤ #657890 luminance threshold.
   #edf6ff bg: ≤ #586e87 threshold.
   #f5f8fc bg: ≤ #5f7389 threshold.
   #fffdf5 bg: ≤ #916a08 threshold.
   Navy #102b4c bg: ≥ #aecbe8 threshold (light text). */

.valn-editorial .vx-overview-topic{color:#5c7290!important}
.valn-editorial .vx-overview-heading p{color:#657890!important}

/* --- Muted labels on white bg (shared across all 4 pages) --- */
.valn-editorial .vx-step small{color:#647892!important}
.valn-editorial .vx-number span{color:#657790!important}
.valn-editorial .vx-muted-small{color:#69778b!important}
.valn-editorial .vx-math small{color:#65788f!important}
.valn-editorial .vx-fee-head small{color:#697788!important}
.valn-editorial .vx-toc-title{color:#68778a!important}
.valn-editorial .vx-contrast-white span{color:#67778c!important}
.valn-editorial .vx-scoretop{color:#617894!important}
.valn-editorial .vx-hero-stat small{color:#647891!important}
.valn-editorial .vx-sidefoot{color:#647790!important}
.valn-editorial .vx-source-method{color:#627387!important}

/* --- Labels on tinted bg #edf6ff (calculator results) --- */
.valn-editorial .vx-results span{color:#58728e!important}
.valn-editorial .vx-results small{color:#5e728a!important}

/* --- Gold label on cream #fffdf5 (note labels) --- */
.valn-editorial .vx-note-label{color:#916a08!important}

/* --- Light text on dark navy (contrast-navy panel + final CTA) --- */
.valn-editorial .vx-contrast-navy,.valn-editorial .vx-contrast-navy p,.valn-editorial .vx-contrast-navy strong{color:#c8dff3!important}
.valn-editorial .vx-contrast-navy span{color:#aecbe8!important}
.valn-editorial .vx-final a:not(.vx-btn){color:#7ec0ff!important}

/* === FIX: Jump pill hover (2026-10-24) ===
   Resting: #1a3d6e on #e8f3ff. Hover: white on navy.
   Must beat .vlnPage.vlnPage a:not(…) !important at ~0,5,1 via #page-container ID. */
body #page-container .valn-editorial[data-valn-editorial] .vx-jump a:hover,
body #page-container .valn-editorial[data-valn-editorial] .vx-jump a:focus-visible{
  background:#0e2d52!important;
  color:#fff!important;
  -webkit-text-fill-color:#fff!important;
  text-decoration:none!important;
  outline:none;
  border-color:#0e2d52!important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-jump a:focus-visible{
  outline:3px solid var(--vx-gold,#ffce4d)!important;
  outline-offset:3px;
}

/* === FIX: Mobile hero layout (2026-10-24) ===
   Hero inner padding 16px L/R + grid, EEAT wrap. Outer gutter handled by FIX 14 at ≤680px. */
@media(max-width:680px){
  .valn-editorial .vx-hero{padding:24px 16px!important;grid-template-columns:minmax(0,1fr)!important}
  .valn-editorial .vx-hero *{max-width:100%!important;box-sizing:border-box}
  .valn-editorial .vx-hero .valn-eeat-wrap,
  .valn-editorial .vx-hero .valn-eeat-line,
  .valn-editorial .vx-hero .valn-eeat-line__desktop{white-space:normal!important;overflow-wrap:break-word!important;word-break:normal!important}
  /* Byline mobile: reduce font/avatar to fit single-line at 375/390.
     overflow-wrap:normal prevents forced mid-word breaks that split the reviewer NMLS span. */
  .valn-editorial .vx-hero .valn-eeat-line__mobile{font-size:12px!important;overflow-wrap:normal!important;word-break:normal!important}
  .valn-editorial .vx-hero .valn-eeat-avatar{width:26px!important;height:26px!important}
  .valn-editorial .vx-hero .valn-eeat-avatars{width:26px!important;min-width:26px!important;height:26px!important}
  .valn-editorial .vx-hero .valn-eeat-line--updated{font-size:11px!important}
  /* Hide overline + breadcrumbs on mobile */
  .valn-editorial .vx-overline{display:none!important}
}
/* Breadcrumb elements (defensive — none currently in DOM) */
@media(max-width:680px){
  body:has(.valn-editorial) .vlnBreadcrumb,
  body:has(.valn-editorial) [class*="breadcrumb"]:not(script):not([type]),
  body:has(.valn-editorial) [id*="breadcrumb"]:not(script):not([type]){display:none!important}
}

/* === FIX: Remove page blue tint (2026-10-24) ===
   .valn-editorial background was var(--vx-bg) = #f5f8fc.
   .vlnPage/.valnPage had radial/linear gradients.
   Set all to plain white. */
.valn-editorial{background:#fff!important}
body:has(.valn-editorial) .vlnPage,
body:has(.valn-editorial) .valnPage{background:#fff!important}
body:has(.valn-editorial) #main-content{background:#fff!important}

/* === Run 5: Question chips (2026-10-24) === */
.valn-editorial .vx-question-chips{padding:0 0 18px;border-bottom:1px solid #e4ebf5;margin-bottom:17px}
.valn-editorial .vx-question-label{display:block;font-size:11px;font-weight:800;color:#5c7290;letter-spacing:.09em;text-transform:uppercase;margin-bottom:10px}
.valn-editorial .vx-chip-row{display:flex;flex-wrap:wrap;gap:8px}
.valn-editorial .vx-chip-row br{display:none}
.valn-editorial .vx-chip{display:inline-flex;align-items:center;justify-content:center;padding:9px 15px;font-size:13px;font-weight:700;color:#1a3d6e;background:#e8f3ff;border:1px solid #c7dce9;border-radius:999px;text-decoration:none!important;line-height:1.3;white-space:nowrap;min-height:44px;transition:background .18s ease-out,color .18s ease-out,border-color .18s ease-out,transform .18s ease-out}
body #page-container .valn-editorial[data-valn-editorial] .vx-chip:hover,
body #page-container .valn-editorial[data-valn-editorial] .vx-chip:focus-visible{background:#0e2d52!important;color:#fff!important;-webkit-text-fill-color:#fff!important;border-color:#0e2d52!important;text-decoration:none!important}
body #page-container .valn-editorial[data-valn-editorial] .vx-chip:focus-visible{outline:3px solid var(--vx-gold,#ffce4d)!important;outline-offset:3px}
@media(max-width:680px){
  .valn-editorial .vx-chip-row{display:grid!important;grid-template-columns:repeat(2,minmax(0,1fr))!important;gap:7px!important;grid-auto-flow:row!important}
  .valn-editorial .vx-chip{white-space:normal;text-align:center;min-height:44px;padding:8px 10px;font-size:12.5px}
}

/* === Run 5: Clickable overview cards -- stretched-link pattern (2026-10-24) === */
.valn-editorial .vx-overview-card{position:relative;cursor:pointer}
.valn-editorial .vx-overview-link{position:static}
.valn-editorial .vx-overview-link::after{content:'';position:absolute;top:0;right:0;bottom:0;left:0;z-index:1}
.valn-editorial .vx-overview-card .vx-overview-head,
.valn-editorial .vx-overview-card .vx-overview-stat,
.valn-editorial .vx-overview-card h3,
.valn-editorial .vx-overview-card p{position:relative;z-index:2;pointer-events:none}
.valn-editorial .vx-overview-card:focus-within{outline:3px solid var(--vx-gold,#ffce4d);outline-offset:3px;border-radius:11px}

/* === Run 5: Mobile jump button (2026-10-24) — appended to body via JS === */
.vx-mobile-jump-btn{display:none}
.vx-mobile-jump-panel{display:none}
@media(max-width:980px){
  .vx-mobile-jump-btn{display:flex;position:fixed;z-index:999990;bottom:82px;right:12px;align-items:center;gap:6px;padding:10px 16px;background:#0e2d52;color:#fff;border:none;border-radius:999px;font-size:13px;font-weight:750;font-family:"Inter",ui-sans-serif,system-ui,-apple-system,sans-serif;box-shadow:0 6px 20px rgba(14,45,82,.35);cursor:pointer;opacity:0;pointer-events:none;transform:translateY(8px);transition:opacity .22s ease-out,transform .22s ease-out}
  .vx-mobile-jump-btn[aria-expanded="true"],
  .vx-mobile-jump-btn.is-visible{opacity:1;pointer-events:auto;transform:translateY(0)}
  .vx-mobile-jump-btn svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
  .vx-mobile-jump-panel{position:fixed;z-index:999991;bottom:134px;right:12px;width:min(260px,calc(100vw - 24px));background:#fff;border:1px solid #d4e2f2;border-radius:14px;box-shadow:0 14px 40px rgba(14,45,82,.18);padding:10px 0;max-height:60vh;overflow-y:auto;transform:translateY(10px);opacity:0;pointer-events:none;transition:opacity .18s ease-out,transform .18s ease-out}
  .vx-mobile-jump-panel.is-open{display:block;opacity:1;pointer-events:auto;transform:translateY(0)}
  .vx-mobile-jump-panel a{display:block;padding:10px 18px;font-size:14px;font-weight:600;color:#1a3d6e;text-decoration:none;border-bottom:1px solid #eef3fa}
  .vx-mobile-jump-panel a:last-child{border-bottom:none}
  .vx-mobile-jump-panel a:hover,
  .vx-mobile-jump-panel a:focus-visible{background:#f0f5ff;color:#0e2d52}
}

/* === Run 5: Desktop hover animations (2026-10-24) ===
   Scoped to pointer:fine + hover-capable + >=981px only.
   transform/opacity/color/shadow: no layout shift. */
@media(min-width:981px) and (hover:hover) and (pointer:fine){
  /* Cards: lift + deeper shadow */
  .valn-editorial .vx-card,
  .valn-editorial .vx-update{transition:transform .2s ease-out,box-shadow .2s ease-out}
  .valn-editorial .vx-card:hover,
  .valn-editorial .vx-update:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(17,52,103,.13)}
  /* Overview cards: lift + arrow nudge */
  .valn-editorial .vx-overview-card{transition:transform .2s ease-out,box-shadow .2s ease-out}
  .valn-editorial .vx-overview-card:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(17,52,103,.13)}
  .valn-editorial .vx-overview-link{transition:padding-left .2s ease-out}
  .valn-editorial .vx-overview-card:hover .vx-overview-link{padding-left:3px}
  /* Question chips + remaining pills: slight lift + color shift */
  .valn-editorial .vx-chip{transition:background .18s ease-out,color .18s ease-out,border-color .18s ease-out,transform .18s ease-out}
  .valn-editorial .vx-chip:hover{transform:translateY(-1px)}
  .valn-editorial .vx-jump a{transition:background .18s ease-out,color .18s ease-out,border-color .18s ease-out,transform .18s ease-out}
  .valn-editorial .vx-jump a:hover{transform:translateY(-1px)}
  /* Gold button: lift + shadow */
  .valn-editorial .vx-btn-gold{transition:background .2s ease-out,box-shadow .2s ease-out,transform .2s ease-out}
  .valn-editorial .vx-btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(0,0,0,.2)}
  /* Outline button: brighten bg */
  .valn-editorial .vx-btn-outline{transition:background .2s ease-out,border-color .2s ease-out,transform .2s ease-out}
  .valn-editorial .vx-btn-outline:hover{transform:translateY(-1px)}
  /* Inline body links: animated underline grows from left */
  .valn-editorial .vx-article a:not(.vx-btn):not(.vx-chip):not(.vx-jump a):not(.vx-source):not(.vx-toc a){text-decoration:none!important;background-image:linear-gradient(currentColor,currentColor);background-position:0 100%;background-size:0% 1.5px;background-repeat:no-repeat;transition:background-size .2s ease-out,color .15s}
  .valn-editorial .vx-article a:not(.vx-btn):not(.vx-chip):not(.vx-jump a):not(.vx-source):not(.vx-toc a):hover{background-size:100% 1.5px}
  /* Table body rows: subtle highlight */
  .valn-editorial .vx-article table tbody tr{transition:background .18s ease-out}
  .valn-editorial .vx-article table tbody tr:hover{background:rgba(232,243,255,.45)}
  /* FAQ items: border color shift */
  .valn-editorial .vx-faq-item{transition:border-color .18s ease-out}
  .valn-editorial .vx-faq-item:hover{border-color:#b5cce6}
}
/* Reduced motion: color changes only */
@media(prefers-reduced-motion:reduce){
  .valn-editorial .vx-card,.valn-editorial .vx-update,.valn-editorial .vx-overview-card,
  .valn-editorial .vx-chip,.valn-editorial .vx-jump a,
  .valn-editorial .vx-btn-gold,.valn-editorial .vx-btn-outline,
  .valn-editorial .vx-faq-item,.vx-mobile-jump-btn,
  .vx-mobile-jump-panel{transition:none!important;transform:none!important;animation:none!important}
  .valn-editorial .vx-article a:not(.vx-btn){background-image:none!important;text-decoration:underline!important}
}

/* === Run 8: Desktop spacing, table fit, gold chip (2026-10-25) === */

/* FIX 17 — Hero top spacing: 24px above hero at desktop.
   All four vx pages had heroTop == editorialTop (0px gap). */
@media (min-width: 981px) {
    .valn-editorial .vx-hero { margin-top: 24px; }
}

/* FIX 18 — Table wrapper overflow: Divi renders .vx-table-scroller as
   .table-responsive at runtime, losing overflow-x:auto. Restore it so
   tables that exceed the article column scroll inside their wrapper
   instead of spilling behind the sticky TOC. */
@media (min-width: 981px) {
    .valn-editorial .vx-article .table-responsive,
    .valn-editorial .vx-article .vx-table-scroller {
        max-width: 100% !important;
        overflow-x: auto !important;
    }
}

/* FIX 21 — Desktop table fit: all 648 tables fit article column at >=981px.
   Root cause: FIX 9 white-space:nowrap + valnTableWrap expanding beyond article.
   Text tables: fixed layout + wrap. Numeric: tighter padding. */
@media (min-width: 981px) {
    /* Constrain Divi-injected wrappers to article column */
    .valn-editorial #vx-checklist .valnTableWrap,
    .valn-editorial #vx-checklist .table-responsive,
    .valn-editorial #vx-credit .valnTableWrap,
    .valn-editorial #vx-credit .table-responsive,
    .valn-editorial #vx-income .valnTableWrap,
    .valn-editorial #vx-income .table-responsive,
    .valn-editorial #vx-pricing .valnTableWrap,
    .valn-editorial #vx-pricing .table-responsive,
    .valn-editorial #vx-compare .valnTableWrap,
    .valn-editorial #vx-compare .table-responsive {
        width: 100% !important;
        max-width: 100% !important;
    }

    /* TEXT TABLES: fixed layout, wrapping cells */
    .valn-editorial #vx-checklist .vx-table,
    .valn-editorial #vx-credit .vx-table,
    .valn-editorial #vx-compare .vx-table {
        table-layout: fixed !important;
        min-width: 0 !important;
    }
    body #page-container .valn-editorial[data-valn-editorial] #vx-checklist .vx-table th,
    body #page-container .valn-editorial[data-valn-editorial] #vx-checklist .vx-table td,
    body #page-container .valn-editorial[data-valn-editorial] #vx-credit .vx-table th,
    body #page-container .valn-editorial[data-valn-editorial] #vx-credit .vx-table td,
    body #page-container .valn-editorial[data-valn-editorial] #vx-compare .vx-table th,
    body #page-container .valn-editorial[data-valn-editorial] #vx-compare .vx-table td {
        white-space: normal !important;
        overflow-wrap: break-word !important;
        word-break: normal !important;
        padding: 10px !important;
    }
    .valn-editorial #vx-checklist .vx-mini-pill { white-space: normal !important; }

    /* Checklist column proportions (3 cols) */
    .valn-editorial #vx-checklist .vx-table th:first-child  { width: 22% !important; }
    .valn-editorial #vx-checklist .vx-table th:nth-child(2) { width: 53% !important; }
    .valn-editorial #vx-checklist .vx-table th:last-child   { width: 25% !important; }

    /* Credit-event column proportions (2 cols) */
    .valn-editorial #vx-credit .vx-table th:first-child { width: 25% !important; }
    .valn-editorial #vx-credit .vx-table th:last-child  { width: 75% !important; }

    /* VA vs FHA column proportions (3 cols) */
    .valn-editorial #vx-compare .vx-table th:first-child  { width: 25% !important; }
    .valn-editorial #vx-compare .vx-table th:nth-child(2) { width: 37% !important; }
    .valn-editorial #vx-compare .vx-table th:last-child   { width: 38% !important; }

    /* NUMERIC: residual income — tighter padding to fit at 1280 */
    body #page-container .valn-editorial[data-valn-editorial] #vx-income .vx-table {
        min-width: 0 !important;
    }
    body #page-container .valn-editorial[data-valn-editorial] #vx-income .vx-table th,
    body #page-container .valn-editorial[data-valn-editorial] #vx-income .vx-table td {
        padding: 10px 8px !important;
        font-size: 12px !important;
    }

    /* MIXED: funding fee — text col wraps, numeric cols keep nowrap */
    .valn-editorial #vx-pricing .vx-table {
        table-layout: fixed !important;
        min-width: 0 !important;
    }
    .valn-editorial #vx-pricing .vx-table th:first-child  { width: 50% !important; }
    .valn-editorial #vx-pricing .vx-table th:nth-child(2) { width: 25% !important; }
    .valn-editorial #vx-pricing .vx-table th:last-child   { width: 25% !important; }
    body #page-container .valn-editorial[data-valn-editorial] #vx-pricing .vx-table th:first-child,
    body #page-container .valn-editorial[data-valn-editorial] #vx-pricing .vx-table td:first-child {
        white-space: normal !important;
        overflow-wrap: break-word !important;
    }
    body #page-container .valn-editorial[data-valn-editorial] #vx-pricing .vx-table th,
    body #page-container .valn-editorial[data-valn-editorial] #vx-pricing .vx-table td {
        padding: 10px 8px !important;
    }
}

/* FIX 20 — Gold CTA chip: "Check my requirements" as primary action.
   Matches vx-btn-gold palette. Desktop hover darkens slightly. */
body #page-container .valn-editorial[data-valn-editorial] .vx-chip[href="#vx-checker"] {
    background: var(--vx-gold) !important;
    color: #132944 !important;
    -webkit-text-fill-color: #132944 !important;
    border-color: var(--vx-gold) !important;
    font-weight: 800 !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-chip[href="#vx-checker"]:hover,
body #page-container .valn-editorial[data-valn-editorial] .vx-chip[href="#vx-checker"]:focus-visible {
    background: #ffdb76 !important;
    color: #132944 !important;
    -webkit-text-fill-color: #132944 !important;
    border-color: #ffdb76 !important;
}

/* === VA Assumption page additions (2026-10-27) === */
.valn-editorial .vx-note.vx-blue{border-color:#c8dcf8;border-left-color:#2d65bd;background:#f0f6ff}
.valn-editorial .vx-note.vx-blue .vx-note-label{color:#1d5ba4!important}

/* === FIX 22 — Navy surface text: force white on ALL dark-bg components (2026-10-27) ===
   Root cause: FIX 1 line "body #page-container .valn-editorial :is(h1,h2,h3) { color: var(--vx-navy) !important }"
   at 1-3-1 beats local .vx-checker-panel h3 and .vx-contrast-navy h2/h3 at 0-2-1.
   These overrides use 1-4-1+ to win. Also covers strong, h4, and body text. */

/* vx-checker-panel (gradient navy CTA panel) */
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel h2,
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel h3,
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel h4 {
    color: #fff !important;
    -webkit-text-fill-color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel p {
    color: #d4e7fa !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-checker-panel strong {
    color: #fff !important;
}

/* vx-contrast-navy (side-by-side comparison, navy half) */
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy h2,
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy h3,
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy h4 {
    color: #fff !important;
    -webkit-text-fill-color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy strong {
    color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy p {
    color: #c8dff3 !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy a {
    color: #d9e6f6 !important;
    text-decoration: underline !important;
    text-underline-offset: 3px !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-contrast-navy a:hover {
    color: #fff !important;
}

/* vx-final (bottom CTA box — extend to cover strong and h3/h4) */
body #page-container .valn-editorial[data-valn-editorial] .vx-final h3,
body #page-container .valn-editorial[data-valn-editorial] .vx-final h4 {
    color: #fff !important;
    -webkit-text-fill-color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-final strong {
    color: #fff !important;
}
body #page-container .valn-editorial[data-valn-editorial] .vx-final li {
    color: #c8dcf0 !important;
}