/* =========================================================================
   Hobart Loans – custom components layered on the original Newsreaders theme
   Palette: primary #007ed8 · hover/accent #d0021b · ink #000 · footer #000
   ========================================================================= */
:root{
  --hl-primary:#007ed8; --hl-primary-dark:#0063ab; --hl-accent:#d0021b; --hl-orange:#FFA500;
  --hl-ink:#000; --hl-text:#2b2b2b; --hl-muted:#5f6368; --hl-line:rgba(215,209,209,.63);
  --hl-soft:#f6f7f9; --hl-soft2:#eef5fc; --hl-green:#1b8a4b; --hl-radius:6px;
  --hl-shadow:0 10px 30px rgba(0,0,0,.08); --hl-shadow-lg:0 20px 50px rgba(0,0,0,.14);
  --hl-ease:cubic-bezier(.2,.7,.2,1);
}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{color:var(--hl-text);background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto}
picture{display:block}
.screen-reader-text{position:absolute!important;clip:rect(1px,1px,1px,1px);width:1px;height:1px;overflow:hidden;word-wrap:normal!important}
.skip-link:focus{clip:auto;width:auto;height:auto;z-index:100000;background:#fff;padding:10px 16px;left:10px;top:10px}
:focus-visible{outline:2px solid var(--hl-primary);outline-offset:2px}
.hl-hp{position:absolute!important;left:-9999px!important;opacity:0;height:0;width:0}
[hidden]{display:none!important}
.no-js [data-aos]{opacity:1!important;transform:none!important}
.no-js .preloader{display:none}

/* ---------- preloader fade ---------- */
.preloader{transition:opacity .5s ease,visibility .5s ease}
.preloader.is-hidden{opacity:0;visibility:hidden}

/* ---------- breaking news ticker (Swiper) ---------- */
.nr-breaking-news-section{overflow:hidden}
.nr-breaking-news-section .nr-wrapper{display:flex;align-items:stretch}
.nr-breaking-news-section .nr-title-section{flex:0 0 auto;display:flex;align-items:center;z-index:2}
.nr-breaking-news-section .widget-title{margin:0;white-space:nowrap}
.nr-breaking-news-slider.swiper{flex:1 1 auto;min-width:0;margin:0}
.nr-breaking-news-slider .swiper-slide{width:auto;max-width:420px}
.nr-breaking-post{display:flex;align-items:center;gap:10px;padding:6px 18px 6px 10px}
.nr-breaking-post .nr-image-section{flex:0 0 46px;width:46px;height:34px;background-size:cover;background-position:center;position:relative}
.nr-breaking-post .nr-image-section a{position:absolute;inset:0}
.nr-breaking-post .nr-desc{padding:0}
.nr-breaking-post .nr-post-title{margin:0;font-size:13px;line-height:1.3;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:340px}
.nr-breaking-news-slider .swiper-wrapper{transition-timing-function:linear!important}

/* ---------- header ---------- */
.site-header-with-image{background-size:cover;background-position:center}
.navbar-controls{display:flex;align-items:center;gap:6px}
.hl-header-cta{white-space:nowrap;display:inline-flex;align-items:center;gap:8px;background:var(--hl-accent);color:#fff!important;padding:9px 16px;border-radius:30px;font-family:Poppins,sans-serif;font-size:14px;font-weight:500;margin-right:8px;transition:transform .25s var(--hl-ease),background .25s,box-shadow .25s;box-shadow:0 6px 18px rgba(208,2,27,.35)}
.hl-header-cta:hover{background:var(--hl-orange);transform:translateY(-2px);color:#fff!important}
.hl-header-cta .icon{font-size:18px}
.header-navbar .custom-logo{max-width:230px;height:auto;transition:transform .4s var(--hl-ease)}
.header-navbar .custom-logo-link:hover .custom-logo{transform:scale(1.03)}
.nr-date-time{opacity:.9}
.main-navigation .menu > li.current-menu-item > a,.main-navigation .menu > li.current-menu-item > .link-icon-wrapper > a{color:#fff;box-shadow:inset 0 -3px 0 var(--hl-orange)}
.main-navigation ul ul{border-top:3px solid var(--hl-primary);transform:translateY(10px);transition:opacity .25s,transform .25s var(--hl-ease),visibility .25s}
.main-navigation ul li:hover > ul,.main-navigation ul li:focus-within > ul{visibility:visible;opacity:1;transform:translateY(0)}
.main-navigation ul ul a{padding:10px 16px;font-size:14px;border-bottom:1px solid #f1f1f1}
/* sticky nav */
.nr-navigation-section.hl-stuck{position:fixed;top:0;left:0;right:0;z-index:99;animation:hlSlideDown .35s var(--hl-ease);box-shadow:0 8px 24px rgba(0,0,0,.18)}
@keyframes hlSlideDown{from{transform:translateY(-100%)}to{transform:translateY(0)}}
.nr-navigation-section .nr-progress-bar{width:0}

/* live search */
.hl-live-results{padding:0 0 24px;max-height:55vh;overflow:auto}
.hl-live-results a{display:flex;gap:12px;align-items:center;padding:10px 12px;border-radius:var(--hl-radius);color:inherit;transition:background .2s}
.hl-live-results a:hover,.hl-live-results a:focus{background:rgba(0,126,216,.08)}
.hl-live-results img{width:56px;height:42px;object-fit:cover;border-radius:4px;flex:0 0 56px}
.hl-live-results small{display:block;color:var(--hl-primary);font-size:12px;text-transform:uppercase;letter-spacing:.04em}
.hl-live-results strong{display:block;font-family:Poppins,sans-serif;font-weight:500;font-size:15px}
.hl-live-results p{margin:2px 0 0;font-size:13px;color:var(--hl-muted)}
.hl-live-results .hl-nores{padding:10px 12px;color:var(--hl-muted)}
mark{background:rgba(255,165,0,.3);padding:0 2px;color:inherit}

/* offcanvas extras */
.offcanvas-branding{display:flex;gap:14px;align-items:center;padding:10px 0 20px;border-bottom:1px solid #eee}
.offcanvas-branding img{width:64px;height:64px}
.offcanvas-branding p{margin:0;font-size:14px;color:var(--hl-muted)}
.offcanvas-main-navigation .menu{list-style:none;margin:0;padding:0}
.offcanvas-main-navigation .menu li{border-bottom:1px solid #eee}
.offcanvas-main-navigation .menu a{display:block;padding:12px 0;font-family:Poppins,sans-serif}
.offcanvas-main-navigation .submenu-wrapper{display:flex;justify-content:space-between;align-items:center}
.offcanvas-main-navigation .submenu-toggle{padding:10px;background:none;border:0;color:#000}
.offcanvas-main-navigation .submenu-toggle svg{transition:transform .25s}
.offcanvas-main-navigation .submenu-toggle[aria-expanded="true"] svg{transform:rotate(180deg)}
.offcanvas-main-navigation .sub-menu{list-style:none;padding-left:16px}
.hl-offcanvas-cta{display:flex;flex-direction:column;gap:12px;padding-top:24px}
.hl-offcanvas-cta .nr-btn{text-align:center}
.hl-link{background:none;border:0;padding:0;color:var(--hl-primary);cursor:pointer;font:inherit;text-decoration:underline}

/* ---------- buttons ---------- */
.nr-btn,.hl-btn-ghost,.hl-submit,button.nr-btn-primary-bg{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 24px;font-family:Poppins,sans-serif;font-size:15px;font-weight:500;line-height:1.2;border:2px solid transparent;border-radius:var(--hl-radius);cursor:pointer;text-decoration:none;transition:transform .25s var(--hl-ease),background-color .25s,color .25s,box-shadow .25s,border-color .25s}
.nr-btn:hover,.hl-btn-ghost:hover,.hl-submit:hover,button.nr-btn-primary-bg:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(0,0,0,.12)}
a.nr-btn-primary-bg,button.nr-btn-primary-bg{background:var(--hl-primary);border-color:var(--hl-primary);color:#fff}
a.nr-btn-primary-bg:hover,button.nr-btn-primary-bg:hover{background:var(--hl-accent);border-color:var(--hl-accent);color:#fff}
.nr-btn-border-primary{background:transparent;border-color:var(--hl-primary);color:var(--hl-primary)}
.nr-btn-border-primary:hover{background:var(--hl-primary);color:#fff}
.hl-btn-ghost{background:#fff;border-color:#d7d7d7;color:#111}
.hl-btn-ghost:hover{border-color:var(--hl-primary);color:var(--hl-primary)}
.hl-btn-light{background:transparent;border-color:rgba(255,255,255,.8);color:#fff!important}
.hl-btn-light:hover{background:#fff;color:#000!important}
.hl-btn-block{display:flex;width:100%;margin-top:10px}
.hl-more{display:inline-flex;align-items:center;gap:6px;font-family:Poppins,sans-serif;font-weight:500;color:var(--hl-primary)!important}
.hl-more .icon{font-size:22px;transition:transform .25s var(--hl-ease)}
.hl-more:hover .icon{transform:translateX(5px)}
.hl-hero-actions,.hl-cta-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}

/* ---------- section scaffolding ---------- */
.hl-section{padding:70px 0}
.hl-kicker{font-family:Poppins,sans-serif;text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:600;color:var(--hl-accent);margin:0 0 10px}
.hl-display{font-size:clamp(30px,4.2vw,52px);line-height:1.1;margin:0 0 16px;font-weight:600;letter-spacing:-.01em}
.hl-display-sm{font-size:clamp(24px,3vw,36px);line-height:1.2;margin:0 0 14px;font-weight:600}
.hl-section-sub{max-width:760px;color:var(--hl-muted);font-size:17px;margin:-6px 0 34px}
.hl-title-row{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap}
.hl-align-center{align-items:center}
.hl-narrow{max-width:860px;margin-left:auto;margin-right:auto}
.hl-small{font-size:13px;color:var(--hl-muted)}
.hl-note{display:flex;gap:16px;align-items:flex-start;background:var(--hl-soft2);border-left:4px solid var(--hl-primary);padding:20px 24px;margin-top:40px;border-radius:var(--hl-radius)}
.hl-note > .icon{font-size:28px;color:var(--hl-primary)}
.hl-note p{margin:0}

/* ---------- home: banner tweaks ---------- */
.nr-banner-section{padding:30px 0}
#hl-hero-slider{position:relative;overflow:hidden}
#hl-hero-slider .nr-post{margin:0}
#hl-hero-slider .nr-image{transform:scale(1.001);transition:transform 6s ease}
#hl-hero-slider .swiper-slide-active .nr-image{transform:scale(1.08)}
#hl-hero-slider .swiper-pagination{position:absolute;top:16px;left:16px;right:auto;text-align:left;bottom:auto;width:auto;z-index:5}
#hl-hero-slider .swiper-pagination-bullet{background:#fff;opacity:.6;width:9px;height:9px}
#hl-hero-slider .swiper-pagination-bullet-active{opacity:1;background:var(--hl-orange);width:22px;border-radius:5px;transition:width .3s}
.hl-swiper-btn{position:absolute;top:180px;transform:translateY(-50%);z-index:6;width:42px;height:42px;border-radius:50%;border:0;background:rgba(0,0,0,.45);color:#fff;font-size:22px;display:flex;align-items:center;justify-content:center;cursor:pointer;opacity:0;transition:opacity .3s,background .3s}
#hl-hero-slider:hover .hl-swiper-btn,.hl-swiper-btn:focus{opacity:1}
.hl-swiper-btn:hover{background:var(--hl-accent)}
.hl-prev{left:12px}.hl-next{right:12px}
.nr-image-section .nr-bookmark{z-index:3}
.hl-bookmark{background:none;border:0;padding:4px;cursor:pointer;color:#fff;font-size:24px;text-shadow:0 2px 6px rgba(0,0,0,.4);transition:transform .25s,color .25s}
.hl-bookmark:hover{transform:scale(1.15);color:var(--hl-orange)}
.hl-bookmark.is-saved{color:var(--hl-orange)}
.twp-archive-items .nr-bookmark .hl-bookmark{font-size:26px}
.nr-image-section,.post-thumbnail-effects{overflow:hidden}
.data-bg{background-size:cover;background-position:center;transition:opacity .5s}
.data-bg.hl-lazy{opacity:0}
.nr-image-200{min-height:200px}
.nr-image-200 .nr-image{position:absolute;inset:0}
.post-thumbnail-effects img{transition:transform .6s var(--hl-ease)}
.twp-archive-items:hover .post-thumbnail-effects img{transform:scale(1.06)}
.hl-readtime .icon{font-size:15px;color:var(--hl-muted)}
.hl-readtime{display:inline-flex;align-items:center}

/* intro band */
.hl-intro-band{background:linear-gradient(135deg,#f3f8fd 0%,#fff 60%);border-top:1px solid var(--hl-line);border-bottom:1px solid var(--hl-line);padding:60px 0}
.hl-intro-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:50px;align-items:center}
.hl-intro-text{font-size:18px;line-height:1.7;color:var(--hl-text);max-width:640px}
.hl-trust{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hl-trust li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--hl-line);border-radius:10px;padding:18px;box-shadow:var(--hl-shadow);transition:transform .3s var(--hl-ease),box-shadow .3s}
.hl-trust li:hover{transform:translateY(-4px);box-shadow:var(--hl-shadow-lg)}
.hl-trust .icon{font-size:30px;color:var(--hl-primary)}
.hl-trust strong{display:block;font-family:Poppins,sans-serif;font-weight:600}
.hl-trust span{font-size:14px;color:var(--hl-muted)}

/* services grid */
.hl-svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.hl-svc-card{background:#fff;border:1px solid var(--hl-line);border-radius:10px;overflow:hidden;display:flex;flex-direction:column;transition:transform .35s var(--hl-ease),box-shadow .35s}
.hl-svc-card:hover{transform:translateY(-8px);box-shadow:var(--hl-shadow-lg)}
.hl-svc-media{position:relative;height:190px;overflow:hidden}
.hl-svc-media img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--hl-ease)}
.hl-svc-card:hover .hl-svc-media img{transform:scale(1.08)}
.hl-svc-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(0,0,0,.45))}
.hl-svc-icon{position:absolute;left:20px;bottom:-24px;z-index:2;width:56px;height:56px;border-radius:50%;background:var(--hl-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-size:28px;box-shadow:0 8px 20px rgba(0,126,216,.4);transition:transform .45s var(--hl-ease),background .3s}
.hl-svc-card:hover .hl-svc-icon{transform:rotate(-10deg) scale(1.08);background:var(--hl-accent)}
.hl-svc-media .hl-svc-icon{bottom:14px}
.hl-svc-body{padding:26px 22px 22px;display:flex;flex-direction:column;flex:1}
.hl-svc-body h3{margin:0 0 10px;font-size:20px;font-weight:500}
.hl-svc-body p{margin:0 0 14px;color:var(--hl-muted);font-size:15px}
.hl-svc-body ul{list-style:none;margin:0 0 18px;padding:0}
.hl-svc-body li{display:flex;gap:8px;align-items:center;font-size:14px;padding:4px 0}
.hl-svc-body li .icon{color:var(--hl-green);font-size:18px}
.hl-svc-foot{margin-top:auto;display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--hl-line);padding-top:14px}
.hl-price{font-family:Poppins,sans-serif;font-weight:600;color:var(--hl-green);background:rgba(27,138,75,.1);padding:4px 12px;border-radius:20px;font-size:13px}

/* calculator teaser */
.hl-calc-teaser{background:var(--hl-soft)}
.hl-ticks{list-style:none;padding:0;margin:16px 0 24px}
.hl-ticks li{display:flex;gap:10px;align-items:flex-start;padding:6px 0}
.hl-ticks .icon{color:var(--hl-green);font-size:20px;line-height:1.2}
.hl-cross .icon{color:var(--hl-accent)}
.hl-mini-calc{background:#fff;border-radius:12px;box-shadow:var(--hl-shadow-lg);padding:30px;border-top:4px solid var(--hl-primary)}
.hl-range{margin-bottom:20px}
.hl-range label{display:flex;justify-content:space-between;font-family:Poppins,sans-serif;font-weight:500;font-size:14px;margin-bottom:8px}
.hl-range output{color:var(--hl-primary);font-weight:600}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:4px;background:linear-gradient(90deg,var(--hl-primary) var(--p,50%),#e3e7ec var(--p,50%));outline:none;padding:0;border:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--hl-primary);cursor:pointer;box-shadow:0 2px 8px rgba(0,0,0,.2);transition:transform .2s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--hl-primary);cursor:pointer}
.hl-mini-out{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:24px 0 14px}
.hl-mini-out div{background:var(--hl-soft2);border-radius:8px;padding:14px;text-align:center}
.hl-mini-out span{display:block;font-size:12px;color:var(--hl-muted);text-transform:uppercase;letter-spacing:.04em}
.hl-mini-out strong{display:block;font-family:Poppins,sans-serif;font-size:20px;color:#000;margin-top:4px}
.hl-mini-out div:first-child strong{color:var(--hl-primary);font-size:24px}
.hl-bar{display:flex;height:10px;border-radius:6px;overflow:hidden;background:#eee}
.hl-bar span{display:block;height:100%;transition:width .6s var(--hl-ease)}
#mc-bar-p{background:var(--hl-primary)}#mc-bar-i{background:var(--hl-orange)}

/* process */
.hl-process-steps{list-style:none;margin:30px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:26px;counter-reset:none;position:relative}
.hl-process-steps::before{content:"";position:absolute;top:32px;left:8%;right:8%;height:2px;background:repeating-linear-gradient(90deg,var(--hl-primary) 0 10px,transparent 10px 18px);opacity:.4}
.hl-process-steps li{position:relative;text-align:center;padding:0 10px}
.hl-step-num{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;background:#fff;border:2px solid var(--hl-primary);color:var(--hl-primary);display:flex;align-items:center;justify-content:center;font-family:Poppins,sans-serif;font-weight:600;font-size:24px;position:relative;z-index:1;transition:background .3s,color .3s,transform .3s}
.hl-process-steps li:hover .hl-step-num{background:var(--hl-primary);color:#fff;transform:scale(1.08)}
.hl-process-steps h3{font-size:18px;margin:0 0 8px}
.hl-process-steps p{font-size:15px;color:var(--hl-muted);margin:0}

/* stats band */
.hl-stats-band{background:#000 url('../../wp-content/uploads/2021/10/cropped-photo-1477959858617-67f85cf4f1df.jpg') center/cover fixed;position:relative;padding:60px 0;color:#fff}
.hl-stats-band::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,40,80,.92),rgba(0,126,216,.82))}
.hl-stats{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.hl-stat-big .hl-count{display:block;font-family:Poppins,sans-serif;font-size:clamp(36px,4vw,54px);font-weight:600;line-height:1}
.hl-stat-big span:last-child{display:block;margin-top:10px;opacity:.9}

/* why */
.hl-why-media{position:relative;border-radius:12px;overflow:hidden;box-shadow:var(--hl-shadow-lg)}
.hl-why-media img{display:block;width:100%;transition:transform 1s var(--hl-ease)}
.hl-why-media:hover img{transform:scale(1.04)}
.hl-why-badge{position:absolute;left:20px;bottom:20px;background:#fff;border-radius:10px;padding:14px 18px;display:grid;grid-template-columns:auto 1fr;column-gap:12px;align-items:center;box-shadow:var(--hl-shadow);animation:hlFloat 4s ease-in-out infinite}
.hl-why-badge .icon{grid-row:span 2;font-size:30px;color:var(--hl-orange)}
.hl-why-badge span{font-size:13px;color:var(--hl-muted)}
@keyframes hlFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.hl-accordion details{border-bottom:1px solid var(--hl-line);padding:4px 0}
.hl-accordion summary{list-style:none;cursor:pointer;padding:14px 30px 14px 0;font-family:Poppins,sans-serif;font-weight:500;font-size:17px;position:relative;display:flex;gap:10px;align-items:center}
.hl-accordion summary::-webkit-details-marker{display:none}
.hl-accordion summary .icon{color:var(--hl-primary);font-size:22px}
.hl-accordion summary::after,.hl-faq-item summary::after{content:"\f102";font-family:Ionicons;position:absolute;right:4px;top:50%;transform:translateY(-50%);font-size:20px;color:var(--hl-primary);transition:transform .3s}
.hl-accordion details[open] summary::after,.hl-faq-item[open] summary::after{content:"\f1fc";transform:translateY(-50%) rotate(180deg)}
.hl-accordion details p{margin:0 0 16px;color:var(--hl-muted)}
.hl-accordion{margin-bottom:24px}

/* home faq & cta band */
.hl-home-faq{background:var(--hl-soft)}
.hl-cta-band{background:linear-gradient(120deg,var(--hl-primary),#004f8a);color:#fff;padding:54px 0}
.hl-cta-band-inner{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.hl-cta-band h2{color:#fff;margin:0 0 6px;font-size:30px}
.hl-cta-band p{margin:0;opacity:.92}
.hl-cta-band .hl-cta-actions{margin:0}
.hl-cta-band a.nr-btn-primary-bg{background:#fff;border-color:#fff;color:var(--hl-primary)}
.hl-cta-band a.nr-btn-primary-bg:hover{background:var(--hl-accent);border-color:var(--hl-accent);color:#fff}

/* ---------- inner page hero ---------- */
.hl-page-hero{position:relative;background:#0b2239 center/cover no-repeat;color:#fff;padding:70px 0 64px;overflow:hidden}
.hl-page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(0,20,40,.88) 0%,rgba(0,60,110,.7) 55%,rgba(0,126,216,.35) 100%);z-index:0}
.hl-page-hero.nr-overlay:after{display:none}
.hl-page-hero .wrapper{position:relative;z-index:1}
.hl-page-title{color:#fff;font-size:clamp(28px,4vw,46px);margin:10px 0 12px;font-weight:600;max-width:900px;line-height:1.15}
.hl-page-sub{max-width:760px;font-size:18px;opacity:.92;margin:0}
.hl-hero-crumbs{font-size:14px;opacity:.85}
.hl-hero-crumbs a{color:#fff!important;text-decoration:underline;text-underline-offset:3px}
.hl-hero-crumbs span{margin:0 4px}

/* ---------- article / prose ---------- */
.hl-article .post-thumbnail img{width:100%;border-radius:6px}
.hl-featured{margin-bottom:18px}
.hl-article .entry-title{font-size:clamp(26px,3.2vw,40px);line-height:1.2;margin:14px 0 10px}
.hl-article-meta{display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;color:var(--hl-muted);font-size:14px}
.hl-article-meta .entry-meta-item{display:inline-flex;align-items:center;gap:4px}
.hl-article-meta svg{width:15px;height:15px}
.hl-sharebar{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:20px 0;padding:12px 0;border-top:1px solid var(--hl-line);border-bottom:1px solid var(--hl-line)}
.hl-share-btn{display:inline-flex;align-items:center;gap:6px;height:38px;min-width:38px;padding:0 12px;border:1px solid var(--hl-line);border-radius:20px;background:#fff;color:#222!important;cursor:pointer;font-size:14px;transition:all .25s}
.hl-share-btn .icon{font-size:18px}
.hl-share-btn:hover{border-color:var(--hl-primary);color:var(--hl-primary)!important;transform:translateY(-2px)}
.hl-share-btn.hl-bookmark{color:#222;text-shadow:none;font-size:14px}
.hl-share-btn.hl-bookmark.is-saved{background:var(--hl-orange);border-color:var(--hl-orange);color:#fff!important}
.hl-fontsize{margin-left:auto;display:inline-flex;border:1px solid var(--hl-line);border-radius:20px;overflow:hidden}
.hl-fontsize button{border:0;background:#fff;color:#111;padding:0 12px;height:36px;cursor:pointer;font-weight:600}
.hl-fontsize button:hover{background:var(--hl-soft2);color:var(--hl-primary)}
.hl-prose{font-size:var(--hl-fs,17px);line-height:1.75;color:var(--hl-text)}
.hl-prose h2{font-size:1.6em;line-height:1.3;margin:1.8em 0 .6em;font-weight:600;color:#000}
.hl-prose h3{font-size:1.22em;line-height:1.35;margin:1.5em 0 .5em;font-weight:500;color:#000}
.hl-prose p{margin:0 0 1.1em}
.hl-prose ul,.hl-prose ol{margin:0 0 1.2em;padding-left:1.4em}
.hl-prose li{margin:.35em 0;padding-top:0}
.hl-prose a{color:var(--hl-primary);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}
.hl-prose a:hover{color:var(--hl-accent)}
.hl-prose .nr-btn,.hl-prose .nr-btn:hover{text-decoration:none;color:#fff}
.hl-prose code{background:var(--hl-soft);padding:2px 6px;border-radius:4px;font-size:.88em}
.hl-lead{font-size:1.14em;line-height:1.7;color:#222}
.hl-prose blockquote{margin:1.6em 0;padding:20px 26px;border-left:4px solid var(--hl-orange);background:#fffaf0;font-family:Poppins,sans-serif;font-size:1.05em;border-radius:0 8px 8px 0}
.hl-prose blockquote p:last-child{margin:0}
.hl-takeaways{background:var(--hl-soft2);border:1px solid rgba(0,126,216,.2);border-radius:10px;padding:22px 26px;margin:1.5em 0}
.hl-takeaways h2{margin:0 0 .5em!important;font-size:1.2em!important;display:flex;align-items:center;gap:8px}
.hl-takeaways h2::before{content:"\f138";font-family:Ionicons;color:var(--hl-primary);font-size:1.3em}
.hl-takeaways ul{margin:0;list-style:none;padding:0}
.hl-takeaways li{position:relative;padding-left:28px}
.hl-takeaways li::before{content:"\f3ff";font-family:Ionicons;position:absolute;left:0;color:var(--hl-green);font-size:1.2em;top:-1px}
.hl-figure{margin:1.8em 0}
.hl-figure img{width:100%;border-radius:8px;max-height:460px;object-fit:cover}
.hl-figure figcaption{font-size:14px;color:var(--hl-muted);margin-top:8px;text-align:center}
.hl-callout{border-radius:8px;padding:18px 20px 18px 54px;margin:1.5em 0;position:relative;font-size:.96em}
.hl-callout::before{font-family:Ionicons;position:absolute;left:18px;top:14px;font-size:24px}
.hl-callout-info{background:#eef6fd;border:1px solid #cfe5f8}.hl-callout-info::before{content:"\f1a0";color:var(--hl-primary)}
.hl-callout-warning{background:#fff6e5;border:1px solid #ffe0a6}.hl-callout-warning::before{content:"\f268";color:#e08a00}
.hl-callout-success{background:#ecf8f1;border:1px solid #c5e9d4}.hl-callout-success::before{content:"\f14a";color:var(--hl-green)}
.hl-callout p:last-child{margin-bottom:0}
.hl-table-wrap{overflow-x:auto;margin:1.5em 0;border:1px solid var(--hl-line);border-radius:8px;-webkit-overflow-scrolling:touch}
.hl-table{width:100%;border-collapse:collapse;font-size:15px;margin:0;min-width:520px}
.hl-table th{background:#0b2239;color:#fff;text-align:left;padding:12px 14px;font-family:Poppins,sans-serif;font-weight:500;font-size:14px}
.hl-table td{padding:11px 14px;border-top:1px solid #eceff3;vertical-align:top}
.hl-table tbody tr:nth-child(even){background:#fafbfc}
.hl-table tbody tr:hover{background:#eef6fd}
.hl-steps{list-style:none;padding:0!important;margin:1.5em 0;counter-reset:hlstep}
.hl-steps > li{counter-increment:hlstep;position:relative;padding:0 0 22px 64px;margin:0}
.hl-steps > li::before{content:counter(hlstep);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--hl-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-family:Poppins,sans-serif;font-weight:600}
.hl-steps > li::after{content:"";position:absolute;left:21px;top:48px;bottom:4px;width:2px;background:rgba(0,126,216,.2)}
.hl-steps > li:last-child::after{display:none}
.hl-steps h3{margin:6px 0 6px!important;font-size:1.1em!important}
.hl-steps p{margin:0}
.hl-checklist{list-style:none;padding:0!important;margin:1.4em 0;border:1px solid var(--hl-line);border-radius:10px;overflow:hidden}
.hl-checklist li{margin:0;padding:12px 16px 12px 52px;position:relative;cursor:pointer;border-bottom:1px solid #f0f0f0;transition:background .2s;user-select:none}
.hl-checklist li:last-child{border-bottom:0}
.hl-checklist li:hover{background:#f7fbff}
.hl-checklist li::before{content:"";position:absolute;left:16px;top:13px;width:22px;height:22px;border:2px solid #b8c4d0;border-radius:5px;transition:all .2s}
.hl-checklist li.is-done{color:var(--hl-muted);text-decoration:line-through}
.hl-checklist li.is-done::before{background:var(--hl-green);border-color:var(--hl-green)}
.hl-checklist li.is-done::after{content:"\f3ff";font-family:Ionicons;position:absolute;left:20px;top:11px;color:#fff;font-size:18px}
.hl-checklist-head{display:flex;justify-content:space-between;align-items:center;gap:10px;background:var(--hl-soft);padding:10px 16px;font-size:14px;font-family:Poppins,sans-serif}
.hl-checklist-progress{flex:1;height:6px;background:#e3e7ec;border-radius:4px;overflow:hidden;margin:0 10px}
.hl-checklist-progress span{display:block;height:100%;background:var(--hl-green);width:0;transition:width .4s var(--hl-ease)}
.hl-checklist-head button{background:none;border:0;color:var(--hl-primary);cursor:pointer;font-size:13px}
.hl-proscons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:1.5em 0}
.hl-pros,.hl-cons{border-radius:10px;padding:18px 20px}
.hl-pros{background:#ecf8f1;border-top:4px solid var(--hl-green)}
.hl-cons{background:#fff1f2;border-top:4px solid var(--hl-accent)}
.hl-pros h3,.hl-cons h3{margin:0 0 8px!important}
.hl-pros ul,.hl-cons ul{list-style:none;padding:0;margin:0}
.hl-pros li,.hl-cons li{padding-left:26px;position:relative}
.hl-pros li::before{content:"\f3ff";font-family:Ionicons;position:absolute;left:0;color:var(--hl-green)}
.hl-cons li::before{content:"\f268";font-family:Ionicons;position:absolute;left:0;color:var(--hl-accent)}
.hl-stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:1.6em 0}
.hl-stat{background:#0b2239;color:#fff;border-radius:10px;padding:18px;text-align:center}
.hl-stat-num{display:block;font-family:Poppins,sans-serif;font-size:28px;font-weight:600;color:var(--hl-orange)}
.hl-stat-label{display:block;font-size:13px;line-height:1.4;opacity:.9;margin-top:4px}
.hl-cta-inline{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;background:linear-gradient(120deg,#eef6fd,#fff);border:1px dashed var(--hl-primary);border-radius:10px;padding:18px 22px;margin:1.8em 0}
.hl-cta-inline p{margin:0;font-family:Poppins,sans-serif;font-weight:500}
.hl-disclaimer{font-size:14px;color:var(--hl-muted);background:var(--hl-soft);border-radius:8px;padding:16px 18px;margin-top:2em;line-height:1.6}

/* FAQ */
.hl-faq{margin:2em 0}
.hl-faq-item{border:1px solid var(--hl-line);border-radius:8px;margin:0 0 10px;background:#fff;transition:box-shadow .25s,border-color .25s}
.hl-faq-item[open]{border-color:rgba(0,126,216,.4);box-shadow:0 6px 18px rgba(0,126,216,.08)}
.hl-faq-item summary{list-style:none;cursor:pointer;padding:16px 48px 16px 18px;font-family:Poppins,sans-serif;font-weight:500;position:relative;line-height:1.45;font-size:16px}
.hl-faq-item summary::-webkit-details-marker{display:none}
.hl-faq-item summary::after{right:18px}
.hl-faq-answer{padding:0 18px 16px;color:var(--hl-text);overflow:hidden}
.hl-faq-answer p:last-child{margin-bottom:0}
.hl-faq-home .hl-faq-item{background:#fff}
.hl-faq-tools,.hl-glossary-tools,.hl-blog-tools{background:var(--hl-soft);border-radius:10px;padding:18px;margin:0 0 26px}
.hl-search-inline{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid #d9dee4;border-radius:30px;padding:0 16px;flex:1;min-width:220px}
.hl-search-inline svg{width:18px;height:18px;color:var(--hl-muted);flex:0 0 18px}
.hl-search-inline input{border:0!important;outline:none;padding:12px 0!important;width:100%;background:transparent;box-shadow:none!important;font-size:15px}
.hl-chips{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}
.hl-chips-center{justify-content:center}
.hl-chip{display:inline-flex;align-items:center;gap:6px;border:1px solid #d6dbe1;background:#fff;color:#222!important;border-radius:30px;padding:7px 14px;font-size:14px;cursor:pointer;transition:all .2s;font-family:Roboto,sans-serif}
.hl-chip span{background:var(--hl-soft);border-radius:10px;padding:0 7px;font-size:12px}
.hl-chip:hover{border-color:var(--hl-primary);color:var(--hl-primary)!important}
.hl-chip.is-active{background:var(--hl-primary);border-color:var(--hl-primary);color:#fff!important}
.hl-chip.is-active span{background:rgba(255,255,255,.25)}
.hl-faq-expand{display:flex;gap:14px}
.hl-faq-expand button{background:none;border:0;color:var(--hl-primary);cursor:pointer;font-size:14px;padding:0;text-decoration:underline}
.hl-faq-page .hl-faq h2{margin-top:1.2em}

/* TOC */
.hl-toc{background:#fff;border:1px solid var(--hl-line);border-radius:10px;padding:16px 18px}
.hl-toc-title{font-size:16px!important;margin:0 0 8px!important;display:flex;align-items:center;gap:8px}
.hl-toc ol{margin:0;padding-left:20px;font-size:14px;line-height:1.5}
.hl-toc li{padding:4px 0}
.hl-toc a{color:#333;text-decoration:none}
.hl-toc a:hover,.hl-toc a.is-active{color:var(--hl-primary);font-weight:500}
.hl-toc-inline{display:none;margin:0 0 20px}
.hl-toc-inline.hl-toc-open{display:block}
.widget.hl-widget-toc{padding:0;border:0;background:none}
.hl-sticky-toc{position:sticky;top:80px}
@media (max-width:991px){.hl-toc-inline{display:block}.hl-widget-toc{display:none}.hl-sticky-toc{position:static}}

/* tags, author, cta, nav */
.hl-tags{display:flex;flex-wrap:wrap;align-items:center;gap:6px;margin-top:20px}
.hl-tags .tags-links a{margin:3px!important}
.hl-author-box{display:flex;gap:20px;align-items:flex-start;background:var(--hl-soft);border-radius:10px;padding:24px;margin:30px 0}
.hl-author-box img{width:80px;height:80px;border-radius:50%;background:#fff;padding:6px;flex:0 0 80px}
.hl-author-box h2{margin:0 0 6px;font-size:20px}
.hl-author-box p{margin:0 0 6px}
.hl-author-label{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--hl-muted)}
.hl-article-cta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:#0b2239;color:#fff;border-radius:12px;padding:28px 30px;margin:30px 0;position:relative;overflow:hidden}
.hl-article-cta::after{content:"";position:absolute;right:-60px;top:-60px;width:200px;height:200px;border-radius:50%;background:rgba(0,126,216,.35)}
.hl-article-cta > *{position:relative;z-index:1}
.hl-article-cta h2{color:#fff;margin:0 0 6px;font-size:22px}
.hl-article-cta p{margin:0;opacity:.88}
.post-navigation{border-top:1px solid var(--hl-line);margin-top:20px}
.post-navigation .nav-links .nav-previous a,.post-navigation .nav-links .nav-next a{border-radius:8px;transition:background .3s,transform .3s}
.post-navigation .nav-links a:hover{transform:translateY(-3px)}
.hl-nav-label{display:flex;align-items:center;gap:6px;font-size:12px;color:rgba(255,255,255,.75);text-transform:uppercase;letter-spacing:.08em}
.hl-nav-title{display:block;font-family:Poppins,sans-serif;font-weight:500;color:#fff;margin-top:6px;line-height:1.4}
.hl-related{padding:50px 0;background:var(--hl-soft);border-top:1px solid var(--hl-line)}
.hl-related .nr-post{background:#fff;border-radius:8px;overflow:hidden;height:100%;box-shadow:0 2px 10px rgba(0,0,0,.04);transition:transform .3s var(--hl-ease),box-shadow .3s}
.hl-related .nr-post:hover{transform:translateY(-6px);box-shadow:var(--hl-shadow-lg)}
.hl-related .nr-image-section{position:relative}
.hl-related .nr-image-section > a{position:absolute;inset:0;z-index:2}
.hl-related .nr-desc{padding:16px}
.hl-related-item{margin-bottom:24px}
.nr-image-hover-effect .nr-image{transition:transform .6s var(--hl-ease)}
.nr-image-hover-effect:hover .nr-image{transform:scale(1.07)}

/* sidebar */
.hl-sidebar .widget ul{list-style:none;margin:0;padding:0}
.hl-sidebar .widget li{padding:9px 0;border-bottom:1px solid #eee;display:flex;justify-content:space-between;gap:8px;flex-wrap:wrap}
.hl-sidebar .widget li:last-child{border-bottom:0}
.hl-sidebar .widget li a{display:inline-flex;gap:8px;align-items:center}
.hl-side-date{width:100%;font-size:12px;color:var(--hl-muted)}
.hl-cat-count{background:var(--hl-soft2);color:var(--hl-primary);border-radius:12px;padding:0 9px;font-size:12px;line-height:22px}
.hl-widget-cta{background:linear-gradient(150deg,#0b2239,#004f8a)!important;color:#fff;border:0!important}
.hl-widget-cta .widget-title{color:#fff}
.hl-widget-cta p{opacity:.9;font-size:15px}
.hl-widget-services .icon{color:var(--hl-primary);font-size:18px}
.widget_search .search-form{display:flex}
.widget_search .search-field{flex:1;min-width:0}
.hl-service-card{text-align:left;border-top:4px solid var(--hl-primary)!important}
.hl-service-card-icon{width:58px;height:58px;border-radius:50%;background:var(--hl-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-size:30px;margin:12px 0 0}
.hl-facts li span{color:var(--hl-muted);font-size:14px}
.hl-facts li strong{font-family:Poppins,sans-serif;font-weight:500;text-align:right}
.hl-feature-list{margin:14px 0!important}
.hl-feature-list li{justify-content:flex-start!important;gap:8px!important;font-size:14px}
.hl-feature-list .icon{color:var(--hl-green)}

/* service page */
.hl-feature-chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0 0 22px}
.hl-feature-chips li{display:inline-flex;align-items:center;gap:6px;background:var(--hl-soft2);color:#0b2239;border-radius:30px;padding:8px 14px;font-size:14px;font-weight:500}
.hl-feature-chips .icon{color:var(--hl-green);font-size:18px}
.hl-related-list h2{font-size:22px;margin:30px 0 14px}
.hl-mini-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hl-mini-card{display:block;border:1px solid var(--hl-line);border-radius:10px;overflow:hidden;color:#000!important;background:#fff;transition:transform .3s var(--hl-ease),box-shadow .3s}
.hl-mini-card:hover{transform:translateY(-5px);box-shadow:var(--hl-shadow-lg)}
.hl-mini-card img{width:100%;height:130px;object-fit:cover;display:block}
.hl-mini-card span{display:block;padding:12px 14px;font-family:Poppins,sans-serif;font-weight:500;font-size:15px;line-height:1.4}

/* services hub rows */
.hl-svc-rows{display:flex;flex-direction:column;gap:60px;margin:40px 0 60px}
.hl-svc-row{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}
.hl-svc-row.hl-rev .hl-svc-row-media{order:2}
.hl-svc-row-media{position:relative;border-radius:12px;overflow:hidden;box-shadow:var(--hl-shadow-lg);aspect-ratio:4/3}
.hl-svc-row-media img{width:100%;height:100%;object-fit:cover;transition:transform 1s var(--hl-ease)}
.hl-svc-row-media picture{height:100%}
.hl-svc-row:hover .hl-svc-row-media img{transform:scale(1.05)}
.hl-svc-row-media .hl-svc-icon{left:auto;right:20px;bottom:20px}
.hl-svc-row-body h2{font-size:30px;margin:0 0 12px}
.hl-svc-row-body h2 a{color:#000}
.hl-svc-row-body h2 a:hover{color:var(--hl-primary)}
.hl-compare td a{display:inline-flex;gap:8px;align-items:center;font-weight:500}

/* about */
.hl-about-media{border-radius:12px;overflow:hidden;box-shadow:var(--hl-shadow-lg)}
.hl-about-media img{display:block;width:100%}
.hl-values{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:60px 0}
.hl-value{background:#fff;border:1px solid var(--hl-line);border-radius:12px;padding:26px;transition:transform .3s var(--hl-ease),box-shadow .3s,border-color .3s}
.hl-value:hover{transform:translateY(-6px);box-shadow:var(--hl-shadow-lg);border-color:transparent}
.hl-value .icon{font-size:36px;color:var(--hl-primary)}
.hl-value h3{margin:10px 0 6px;font-size:19px}
.hl-value p{margin:0;color:var(--hl-muted);font-size:15px}
.hl-rev-row{margin:30px 0 60px}
.hl-editor{display:flex;gap:26px;align-items:center;background:linear-gradient(120deg,#0b2239,#003a66);color:#fff;border-radius:14px;padding:34px;margin:30px 0 50px}
.hl-editor img{width:110px;height:110px;border-radius:50%;background:#fff;padding:10px;flex:0 0 110px}
.hl-editor h2{color:#fff;margin:0 0 8px}
.hl-editor p{margin:0;opacity:.92}
.hl-editor a{color:#9fd3ff}
.hl-editor .hl-kicker{color:var(--hl-orange)}

/* forms */
.hl-form-card{background:#fff;border:1px solid var(--hl-line);border-radius:14px;padding:34px;box-shadow:var(--hl-shadow)}
.hl-form-card h2{margin:0 0 8px}
.hl-progress-steps{display:flex;gap:6px;margin:20px 0 24px}
.hl-progress-steps span{flex:1;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--hl-muted);padding-top:8px;border-top:4px solid #e3e7ec;transition:all .3s}
.hl-progress-steps span.is-active{border-color:var(--hl-primary);color:var(--hl-primary)}
.hl-field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.hl-field{margin-bottom:18px;position:relative}
.hl-field label,.hl-field legend{display:block;font-family:Poppins,sans-serif;font-weight:500;font-size:14px;margin-bottom:6px;color:#111}
.hl-req{color:var(--hl-accent)}
.hl-opt{color:var(--hl-muted);font-weight:400}
.hl-field input[type=text],.hl-field input[type=email],.hl-field input[type=tel],.hl-field input[type=number],.hl-field select,.hl-field textarea{width:100%;border:1.5px solid #d6dbe1;border-radius:8px;padding:12px 14px;font-size:16px;background:#fff;transition:border-color .2s,box-shadow .2s;font-family:Roboto,sans-serif;color:#111}
.hl-field textarea{resize:vertical;min-height:140px}
.hl-field input:focus,.hl-field select:focus,.hl-field textarea:focus{border-color:var(--hl-primary);box-shadow:0 0 0 4px rgba(0,126,216,.12);outline:none}
.hl-field.is-invalid input,.hl-field.is-invalid select,.hl-field.is-invalid textarea{border-color:var(--hl-accent);box-shadow:0 0 0 4px rgba(208,2,27,.08)}
.hl-field.is-valid input,.hl-field.is-valid select,.hl-field.is-valid textarea{border-color:var(--hl-green)}
.hl-error{display:block;color:var(--hl-accent);font-size:13px;min-height:0;margin-top:5px}
.hl-error:empty{display:none}
.hl-field-foot{display:flex;justify-content:space-between;gap:10px}
.hl-counter{font-size:12px;color:var(--hl-muted);margin-top:5px;margin-left:auto}
.hl-check label{display:flex;gap:10px;align-items:flex-start;font-family:Roboto,sans-serif;font-weight:400;font-size:14px;line-height:1.5}
.hl-check input{margin-top:3px;width:18px;height:18px;accent-color:var(--hl-primary);flex:0 0 18px}
.hl-radios{border:0;padding:0;margin:0 0 18px}
.hl-radios label{display:inline-flex;align-items:center;gap:6px;margin-right:22px;font-family:Roboto,sans-serif;font-weight:400}
.hl-radios input{accent-color:var(--hl-primary);width:18px;height:18px}
.hl-submit{width:100%;font-size:17px;padding:15px}
.hl-submit .icon{font-size:20px;transition:transform .3s}
.hl-submit:hover .icon{transform:translateX(5px) rotate(-10deg)}
.hl-submit.is-loading{pointer-events:none;opacity:.8}
.hl-submit.is-loading .icon{animation:hlSpin 1s linear infinite}
@keyframes hlSpin{to{transform:rotate(360deg)}}
.hl-form .hl-shake{animation:hlShake .4s}
@keyframes hlShake{20%,60%{transform:translateX(-6px)}40%,80%{transform:translateX(6px)}}
.hl-newsletter .hl-field{margin-bottom:10px}
.hl-newsletter input[type=email]{width:100%;border:0;border-radius:6px;padding:12px 14px;font-size:15px}
.hl-newsletter .hl-check label{color:#ccc;font-size:13px}
.hl-newsletter .hl-check a{color:#fff;text-decoration:underline}
.hl-newsletter .hl-error{color:#ff8a8a}
.hl-contact-cards{display:flex;flex-direction:column;gap:16px}
.hl-contact-card{border:1px solid var(--hl-line);border-radius:12px;padding:22px;background:#fff;transition:transform .3s,box-shadow .3s}
.hl-contact-card:hover{transform:translateY(-4px);box-shadow:var(--hl-shadow)}
.hl-contact-card > .icon{font-size:30px;color:var(--hl-primary)}
.hl-contact-card h3{margin:8px 0 4px;font-size:18px}
.hl-contact-card p{margin:0 0 4px}
.hl-help{background:#fff8eb;border-color:#ffe0a6}
.hl-help > .icon{color:#e08a00}

/* thank-you / 404 */
.hl-thanks{padding:70px 0;background:linear-gradient(180deg,var(--hl-soft2),#fff)}
.hl-thanks-card{max-width:760px;margin:0 auto;text-align:center;background:#fff;border-radius:16px;box-shadow:var(--hl-shadow-lg);padding:46px 40px}
.hl-thanks-card h1{font-size:clamp(28px,4vw,40px);margin:10px 0}
.hl-thanks-card .hl-hero-actions{justify-content:center}
.hl-thanks-steps{text-align:left;margin:30px auto!important;max-width:560px}
.hl-check-anim svg{width:96px;height:96px}
.hl-check-anim circle{stroke:var(--hl-green);stroke-width:3;stroke-dasharray:160;stroke-dashoffset:160;animation:hlDraw .8s .2s ease forwards}
.hl-check-anim path{stroke:var(--hl-green);stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:50;stroke-dashoffset:50;animation:hlDraw .5s .9s ease forwards}
@keyframes hlDraw{to{stroke-dashoffset:0}}
.hl-thanks-more{max-width:1000px;margin:50px auto 0}
.hl-thanks-more h2{text-align:center;font-size:22px}
.hl-404-num{font-family:Poppins,sans-serif;font-size:110px;line-height:1;margin:0;font-weight:700;background:linear-gradient(120deg,var(--hl-primary),var(--hl-accent));-webkit-background-clip:text;background-clip:text;color:transparent}
.hl-search-big{display:flex;gap:10px;margin:24px 0}
.hl-search-big input{flex:1;border:1.5px solid #d6dbe1;border-radius:8px;padding:14px 16px;font-size:16px}
.hl-search-results{display:flex;flex-direction:column;gap:12px}
.hl-search-results a{display:flex;gap:14px;align-items:center;border:1px solid var(--hl-line);border-radius:10px;padding:14px;color:#000!important;transition:all .25s}
.hl-search-results a:hover{border-color:var(--hl-primary);box-shadow:var(--hl-shadow)}
.hl-search-results img{width:96px;height:66px;object-fit:cover;border-radius:6px;flex:0 0 96px}
.hl-search-results small{color:var(--hl-primary);text-transform:uppercase;font-size:12px;letter-spacing:.05em}
.hl-search-results strong{display:block;font-family:Poppins,sans-serif;font-weight:500}
.hl-search-results p{margin:3px 0 0;color:var(--hl-muted);font-size:14px}
.hl-search-results .hl-remove{margin-left:auto;background:none;border:0;color:var(--hl-accent);cursor:pointer;font-size:22px}
.hl-result-count{color:var(--hl-muted);font-size:14px;margin:6px 0 0}
.hl-empty{text-align:center;color:var(--hl-muted);padding:30px 0}

/* blog tools */
.hl-blog-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hl-sort select{border:1px solid #d9dee4;border-radius:30px;padding:11px 16px;background:#fff;font-size:15px}
.twp-archive-items.is-hidden{display:none}
.hl-blog .twp-archive-items,.archive-main-block .twp-archive-items{animation:hlFadeIn .4s ease}
@keyframes hlFadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* glossary */
.hl-az{display:flex;flex-wrap:wrap;gap:4px;margin-top:14px}
.hl-az a,.hl-az span{width:32px;height:32px;display:flex;align-items:center;justify-content:center;border-radius:6px;font-family:Poppins,sans-serif;font-weight:500;font-size:14px}
.hl-az a{background:#fff;border:1px solid #d9dee4;color:#000}
.hl-az a:hover,.hl-az a.is-active{background:var(--hl-primary);border-color:var(--hl-primary);color:#fff}
.hl-az .is-disabled{color:#c3c8ce}
.hl-glossary-count{margin:10px 0 0;font-size:14px;color:var(--hl-muted)}
.hl-glossary{margin:0}
.hl-letter{font-family:Poppins,sans-serif;font-size:34px;font-weight:600;color:var(--hl-primary);border-bottom:2px solid var(--hl-soft2);margin:30px 0 12px;padding-bottom:4px}
.hl-glossary-entry{padding:14px 16px;border-radius:8px;transition:background .25s}
.hl-glossary-entry:target{background:#fff6e0;box-shadow:inset 4px 0 0 var(--hl-orange)}
.hl-glossary-entry dt{font-family:Poppins,sans-serif;font-weight:600;font-size:18px;color:#000}
.hl-glossary-entry dd{margin:6px 0 0}
.hl-glossary-entry.is-hidden,.hl-letter.is-hidden{display:none}

/* sitemap */
.hl-sitemap-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}
.hl-sitemap-grid section{border:1px solid var(--hl-line);border-radius:12px;padding:24px}
.hl-sitemap-grid h2{font-size:20px;margin:0 0 10px;display:flex;gap:8px;align-items:center}
.hl-sitemap-grid h2 .icon{color:var(--hl-primary)}
.hl-sitemap-list{list-style:none;margin:0;padding:0}
.hl-sitemap-list li{padding:8px 0;border-bottom:1px solid #f0f0f0}
.hl-sitemap-list span{display:block;font-size:12px;color:var(--hl-muted)}

/* updated line */
.hl-updated-line{display:inline-flex;gap:6px;align-items:center;font-size:14px;color:var(--hl-muted);background:var(--hl-soft);border-radius:20px;padding:6px 14px;margin:0 0 20px}

/* ---------- calculator page ---------- */
.hl-tabs{display:flex;gap:6px;flex-wrap:wrap;border-bottom:2px solid #e8ecf0;margin-bottom:28px}
.hl-tab{display:inline-flex;align-items:center;gap:8px;background:none;border:0;padding:14px 18px;font-family:Poppins,sans-serif;font-weight:500;font-size:15px;color:#555;cursor:pointer;position:relative;transition:color .2s}
.hl-tab .icon{font-size:20px}
.hl-tab::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:3px;background:var(--hl-primary);transform:scaleX(0);transition:transform .3s var(--hl-ease)}
.hl-tab:hover,.hl-tab.is-active{color:var(--hl-primary);background:none;box-shadow:none;transform:none}
.hl-tab.is-active::after{transform:scaleX(1)}
.hl-tabpanel{animation:hlFadeIn .35s ease}
.hl-calc-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:30px;align-items:start}
.hl-calc-form{background:#fff;border:1px solid var(--hl-line);border-radius:12px;padding:24px}
.hl-calc-form h3{margin:0 0 14px}
.hl-range-row{display:grid;grid-template-columns:1fr 110px auto;gap:10px;align-items:center}
.hl-range-row input[type=number]{width:100%;border:1.5px solid #d6dbe1;border-radius:6px;padding:8px;font-size:15px;text-align:right}
.hl-unit{font-size:13px;color:var(--hl-muted);min-width:44px}
.hl-more-opts{margin:6px 0 14px;border:1px dashed #d6dbe1;border-radius:8px;padding:10px 14px}
.hl-more-opts summary{cursor:pointer;font-family:Poppins,sans-serif;font-weight:500;font-size:14px}
.hl-more-opts .hl-field-row{margin-top:12px}
.hl-calc-actions{display:flex;flex-wrap:wrap;gap:10px}
.hl-calc-actions .hl-btn-ghost{padding:9px 14px;font-size:14px}
.hl-calc-results{background:linear-gradient(180deg,#f7fbff,#fff);border:1px solid #d9e9f7;border-radius:12px;padding:24px}
.hl-result-hero{background:var(--hl-primary);color:#fff;border-radius:10px;padding:22px;text-align:center;margin-bottom:18px;position:relative;overflow:hidden}
.hl-result-hero::after{content:"";position:absolute;width:180px;height:180px;right:-50px;top:-70px;border-radius:50%;background:rgba(255,255,255,.12)}
.hl-result-hero.hl-green{background:var(--hl-green)}
.hl-result-hero span{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:13px;opacity:.9}
.hl-result-hero strong{display:block;font-family:Poppins,sans-serif;font-size:clamp(32px,4vw,46px);line-height:1.15;margin:4px 0}
.hl-result-hero small{opacity:.9}
.hl-result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-bottom:18px}
.hl-result-grid div{background:#fff;border:1px solid #e3edf6;border-radius:8px;padding:14px}
.hl-result-grid span{display:block;font-size:13px;color:var(--hl-muted)}
.hl-result-grid strong{font-family:Poppins,sans-serif;font-size:20px;color:#000}
.hl-charts{display:grid;grid-template-columns:1fr 1.6fr;gap:14px}
.hl-chart-box{background:#fff;border:1px solid #e3edf6;border-radius:8px;padding:12px;position:relative;height:250px}
.hl-chart-donut{height:250px}
.hl-schedule{margin-top:24px;border:1px solid var(--hl-line);border-radius:10px;padding:14px 18px}
.hl-schedule summary{cursor:pointer;font-family:Poppins,sans-serif;font-weight:500;display:flex;align-items:center;gap:8px}
.hl-compare-grid{display:grid;grid-template-columns:1fr 1fr 1.6fr;gap:20px;align-items:start}
.hl-loan-a{border-top:4px solid var(--hl-primary)}
.hl-loan-b{border-top:4px solid var(--hl-orange)}
.hl-compare-out .hl-table{min-width:0}
.hl-verdict{background:#ecf8f1;border:1px solid #c5e9d4;border-radius:8px;padding:14px;margin:12px 0;font-family:Poppins,sans-serif}
.hl-gauge{height:12px;background:linear-gradient(90deg,#1b8a4b,#ffb300,#d0021b);border-radius:8px;position:relative;margin:10px 0 16px}
.hl-gauge span{position:absolute;top:-5px;width:4px;height:22px;background:#000;border-radius:2px;left:0;transition:left .6s var(--hl-ease)}
.hl-calc-explain{margin-top:60px;padding-top:40px;border-top:1px solid var(--hl-line)}
.hl-side-cta{background:var(--hl-soft);border-radius:12px;padding:24px;position:sticky;top:90px}
.hl-side-cta h3{margin:0 0 8px}
.hl-num-flash{animation:hlFlash .5s ease}
@keyframes hlFlash{0%{opacity:.4;transform:translateY(4px)}100%{opacity:1;transform:none}}

/* ---------- footer ---------- */
.nr-footer-widgetarea{padding:60px 0 30px;color:#fff}
.nr-footer-widgetarea .widget-title{color:#fff;font-size:18px;margin:0 0 18px;position:relative;padding-bottom:10px}
.nr-footer-widgetarea .widget-title::after{content:"";position:absolute;left:0;bottom:0;width:40px;height:3px;background:var(--hl-primary)}
.hl-footer-col{margin-bottom:24px}
.hl-footer-col p{color:#bdbdbd;font-size:14px;line-height:1.7}
.hl-footer-logo img{max-width:210px;margin-bottom:6px}
.hl-footer-contact .icon{color:var(--hl-primary);margin-right:4px}
.hl-footer-contact a{color:#fff!important}
.hl-footer-links{list-style:none;margin:0;padding:0}
.hl-footer-links li{padding:6px 0;font-size:14px;border-bottom:1px solid rgba(255,255,255,.08)}
.hl-footer-links a{color:#ddd!important;transition:color .2s,padding .2s}
.hl-footer-links a:hover{color:var(--hl-orange)!important;padding-left:4px}
.nr-site-footer .site-info{border-top:1px solid rgba(255,255,255,.1)}
.hl-legal-menu{list-style:none;display:flex;flex-wrap:wrap;gap:6px 20px;margin:0;padding:18px 0;justify-content:center;font-size:14px}
.hl-legal-menu li{display:inline-flex;align-items:center}
.hl-legal-menu button{background:none;border:0;color:#fff;cursor:pointer;font:inherit;font-weight:inherit;line-height:inherit;padding:0;margin:0;text-transform:none;letter-spacing:0;box-shadow:none}
.hl-legal-menu button:hover{color:var(--hl-orange)}
.hl-footer-disclaimer p{font-size:13px;color:#aaa;text-align:center;border-top:1px solid rgba(255,255,255,.08);border-bottom:1px solid rgba(255,255,255,.08);padding:14px 0;margin:0 0 14px}
.hl-footer-disclaimer a{text-decoration:underline}
.nr-copyright-section{padding-bottom:20px}
.nr-copyright-text{text-align:right}
.nr-copyright-text p{margin:12px 0 0}

/* ---------- cookie banner / modal / toast ---------- */
.hl-cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:1001;display:flex;justify-content:center;animation:hlUp .5s var(--hl-ease)}
@keyframes hlUp{from{transform:translateY(120%);opacity:0}to{transform:none;opacity:1}}
.hl-cookie-inner{max-width:1100px;width:100%;background:#0b2239;color:#fff;border-radius:12px;padding:18px 22px;box-shadow:0 20px 50px rgba(0,0,0,.35);display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.hl-cookie-inner p{margin:0;flex:1 1 420px;font-size:14px;line-height:1.6}
.hl-cookie-inner p .icon{color:var(--hl-orange);margin-right:4px}
.hl-cookie-inner a{color:#9fd3ff;text-decoration:underline}
.hl-cookie-actions{display:flex;gap:8px;flex-wrap:wrap}
.hl-cookie-actions button{padding:10px 16px;font-size:14px}
.hl-cookie .hl-btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.hl-cookie .hl-btn-ghost:hover{border-color:#fff;color:#fff}
.hl-modal{position:fixed;inset:0;z-index:1002;background:rgba(0,0,0,.55);display:flex;align-items:center;justify-content:center;padding:16px;animation:hlFadeIn .25s ease}
.hl-modal-box{background:#fff;border-radius:14px;max-width:560px;width:100%;padding:30px;position:relative;max-height:90vh;overflow:auto}
.hl-modal-box h2{margin:0 0 8px;font-size:22px}
.hl-modal-close{position:absolute;right:14px;top:14px;background:none;border:0;cursor:pointer;padding:6px}
.hl-toggle-row{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:14px 0;border-bottom:1px solid #eee}
.hl-toggle-row span{display:block;font-size:13px;color:var(--hl-muted)}
.hl-switch{position:relative;width:48px;height:28px;flex:0 0 48px}
.hl-switch input{opacity:0;width:0;height:0}
.hl-switch span{position:absolute;inset:0;background:#cfd6dd;border-radius:20px;cursor:pointer;transition:background .25s}
.hl-switch span::before{content:"";position:absolute;width:22px;height:22px;left:3px;top:3px;background:#fff;border-radius:50%;transition:transform .25s var(--hl-ease);box-shadow:0 1px 4px rgba(0,0,0,.2)}
.hl-switch input:checked + span{background:var(--hl-primary)}
.hl-switch input:checked + span::before{transform:translateX(20px)}
.hl-switch input:disabled + span{opacity:.6;cursor:not-allowed}
.hl-modal-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:20px;flex-wrap:wrap}
.hl-toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,150%);opacity:0;visibility:hidden;background:#111;color:#fff;padding:12px 20px;border-radius:30px;z-index:1003;font-size:14px;box-shadow:0 10px 30px rgba(0,0,0,.3);transition:transform .4s var(--hl-ease);max-width:calc(100% - 32px);text-align:center}
.hl-toast.is-show{transform:translate(-50%,0);opacity:1;visibility:visible}
.hl-toast a{color:var(--hl-orange);text-decoration:underline}
#scroll-top{right:30px!important;bottom:30px!important;opacity:0;visibility:hidden;transform:translateY(20px);transition:opacity .3s,transform .3s,visibility .3s}
#scroll-top.show{opacity:1;visibility:visible;transform:none}
#scroll-top span{border-radius:50%;cursor:pointer;transition:background .25s,transform .25s}
#scroll-top span:hover{transform:translateY(-3px)}

/* ---------- responsive ---------- */
@media (max-width:1199px){
  .hl-svc-grid{grid-template-columns:repeat(2,1fr)}
  .hl-values{grid-template-columns:repeat(2,1fr)}
  .hl-compare-grid{grid-template-columns:1fr 1fr}
  .hl-compare-out{grid-column:1/-1}
}
@media (max-width:991px){
  .hl-intro-grid{grid-template-columns:1fr;gap:30px}
  .hl-process-steps{grid-template-columns:repeat(2,1fr)}
  .hl-process-steps::before{display:none}
  .hl-stats{grid-template-columns:repeat(2,1fr);gap:34px}
  .hl-svc-row,.hl-calc-grid{grid-template-columns:1fr}
  .hl-svc-row.hl-rev .hl-svc-row-media{order:0}
  .hl-charts{grid-template-columns:1fr}
  .content-area,.widget-area{flex:0 0 100%!important;max-width:100%!important}
  .hl-sidebar{margin-top:30px}
  .column-lg-4,.column-lg-5,.column-lg-6,.column-lg-7,.column-lg-8{flex:0 0 100%;max-width:100%}
  .hl-header-cta span{display:none}
  .hl-header-cta{padding:9px 11px;margin-right:2px}
  .hl-mini-cards{grid-template-columns:1fr 1fr}
  .hl-stats-band{background-attachment:scroll}
  .column-3.hl-footer-col{flex:0 0 50%;max-width:50%}
}
@media (max-width:767px){
  .hl-section{padding:46px 0}
  .hl-svc-grid,.hl-values,.hl-sitemap-grid,.hl-proscons,.hl-mini-cards{grid-template-columns:1fr}
  .hl-field-row{grid-template-columns:1fr;gap:0}
  .hl-trust{grid-template-columns:1fr}
  .hl-mini-out{grid-template-columns:1fr}
  .hl-form-card{padding:22px}
  .hl-compare-grid{grid-template-columns:1fr}
  .post-navigation .nav-links{flex-direction:column}
  .post-navigation .nav-links .nav-previous,.post-navigation .nav-links .nav-next{max-width:100%}
  .hl-editor,.hl-author-box{flex-direction:column;align-items:flex-start}
  .hl-fontsize{margin-left:0}
  .column-3.hl-footer-col{flex:0 0 100%;max-width:100%}
  .nr-copyright-text{text-align:left}
  .hl-result-grid{grid-template-columns:1fr 1fr}
  .hl-range-row{grid-template-columns:1fr 92px}
  .hl-unit{display:none}
  .hl-tab{padding:10px 12px;font-size:14px}
  .hl-cta-band-inner{flex-direction:column;align-items:flex-start}
  .hl-page-hero{padding:50px 0 44px}
  .hl-search-big{flex-direction:column}
  .hl-thanks-card{padding:34px 22px}
  .nr-breaking-post .nr-post-title{max-width:220px}
  .header-navbar .custom-logo{max-width:170px}
  .hl-process-steps{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .hl-stats-band{background-attachment:scroll}
}
@media print{
  .nr-breaking-news-section,#site-header,.hl-sidebar,.nr-site-footer,.hl-sharebar,.hl-article-cta,.hl-related,.hl-cookie,#scroll-top,.post-navigation{display:none!important}
  .content-area{flex:0 0 100%!important;max-width:100%!important}
}

.entry-breadcrumb li + li::before{content:"/";margin:0 8px;color:rgba(0,0,0,.3)}
.entry-breadcrumb a{color:var(--hl-primary)}

.site-content{padding:0!important}
.singular-main-block{padding-bottom:50px}
.archive-main-block{padding-bottom:50px}
.post-navigation .nav-next{margin-left:auto}
@media (max-width:991px){.nr-banner-section .nr-order-2{order:-1}.nr-banner-section .nr-order-1{order:2}.nr-banner-section .nr-order-3{order:3}}
#offcanvas-menu a.nr-btn-primary-bg,#offcanvas-menu a.nr-btn-primary-bg:visited{color:#fff}
.hl-thanks-card a:not(.nr-btn):not(.hl-chip){color:var(--hl-primary);text-decoration:underline}