/* IBOToolbox v4.0.0 Stage F — Premium Content, Legal & Trust Experience System */
.ibo-public-page{background:linear-gradient(180deg,#eef5ff 0,#f8fbff 38%,#eef5ff 100%)!important}
.ibo-public-page-shell{max-width:1280px!important}
.ibo-public-page-head{padding:42px 46px!important;margin-bottom:24px!important}
.stagef-summary{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:0 0 24px}
.stagef-summary-card{display:flex;align-items:flex-start;gap:12px;min-width:0;padding:18px;background:#fff;border:1px solid #d8e6fa;border-radius:18px;box-shadow:0 12px 30px rgba(7,21,47,.055);text-decoration:none!important}
.stagef-summary-num{display:grid;place-items:center;flex:0 0 34px;width:34px;height:34px;border-radius:11px;background:linear-gradient(135deg,#075bff,#6d3df2);color:#fff!important;font-size:12px;font-weight:950}
.stagef-summary-copy{min-width:0}.stagef-summary-copy b{display:block;color:#07152f!important;font-size:14px;line-height:1.3}.stagef-summary-copy span{display:block;margin-top:4px;color:#667b94!important;font-size:12px;line-height:1.4}
.public-content-layout{grid-template-columns:minmax(0,1fr) 310px!important;gap:30px!important}
.ibo-public-page-content{padding:14px!important;background:transparent!important;border:0!important;box-shadow:none!important}
.ibo-public-page-content>h2,.ibo-public-page-content>h3,.ibo-public-page-content>h4,.ibo-public-page-content>p,.ibo-public-page-content>ul,.ibo-public-page-content>ol,.ibo-public-page-content>table,.ibo-public-page-content>blockquote,.ibo-public-page-content>.public-callout,.ibo-public-page-content>hr{background:#fff;border-left:1px solid #d8e6fa;border-right:1px solid #d8e6fa;margin-left:0!important;margin-right:0!important;padding-left:34px!important;padding-right:34px!important}
.ibo-public-page-content>h2{margin-top:16px!important;margin-bottom:0!important;padding-top:30px!important;padding-bottom:13px!important;border-top:1px solid #d8e6fa;border-radius:20px 20px 0 0;box-shadow:0 -8px 28px rgba(7,21,47,.035)}
.ibo-public-page-content>h2:before{content:'';display:inline-block;width:7px;height:22px;margin-right:11px;border-radius:99px;background:linear-gradient(180deg,#075bff,#6d3df2);vertical-align:-2px}
.ibo-public-page-content>h2~h2{margin-top:22px!important}
.ibo-public-page-content>p,.ibo-public-page-content>ul,.ibo-public-page-content>ol{margin-top:0!important;margin-bottom:0!important;padding-bottom:20px!important}
.ibo-public-page-content>h3,.ibo-public-page-content>h4{margin-top:0!important;margin-bottom:0!important;padding-top:22px!important;padding-bottom:10px!important}
.ibo-public-page-content>h2+*{padding-top:2px!important}
.ibo-public-page-content>h2~p:has(+ h2),.ibo-public-page-content>h2~ul:has(+ h2),.ibo-public-page-content>h2~ol:has(+ h2){padding-bottom:30px!important;border-bottom:1px solid #d8e6fa;border-radius:0 0 20px 20px;box-shadow:0 12px 28px rgba(7,21,47,.045)}
.ibo-public-page-content> :first-child:not(h2){border-top:1px solid #d8e6fa;border-radius:20px 20px 0 0;padding-top:30px!important}
.ibo-public-page-content> :last-child{border-bottom:1px solid #d8e6fa;border-radius:0 0 20px 20px;padding-bottom:30px!important}
.public-content-toc{border-radius:22px!important;padding:22px!important;box-shadow:0 16px 42px rgba(7,21,47,.08)!important}
.public-content-toc:before{content:'QUICK NAVIGATION';display:block;margin-bottom:7px;color:#075bff;font-size:10px;font-weight:950;letter-spacing:.1em}
.public-content-toc ol{max-height:55vh;overflow:auto;padding-right:4px}
.stagef-related{margin-top:28px;padding:26px;background:#fff;border:1px solid #d8e6fa;border-radius:22px;box-shadow:0 14px 38px rgba(7,21,47,.06)}
.stagef-related-head{display:flex;justify-content:space-between;gap:18px;align-items:end;margin-bottom:16px}.stagef-related h2{margin:0;color:#07152f;font-size:24px}.stagef-related p{margin:5px 0 0;color:#60758f}
.stagef-related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.stagef-related-card{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:16px 17px;border:1px solid #dbe7f7;border-radius:15px;background:#f8fbff;color:#17365f!important;text-decoration:none!important;font-weight:850}.stagef-related-card:hover{border-color:#9fc3ff;background:#eef5ff}.stagef-related-card span:last-child{color:#075bff;font-size:20px}
.stagef-contact{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:20px;padding:25px 28px;border-radius:22px;background:linear-gradient(135deg,#082c72,#075bff 55%,#6d3df2);color:#fff;box-shadow:0 18px 44px rgba(19,92,221,.18)}.stagef-contact h2,.stagef-contact p{color:#fff!important;margin:0}.stagef-contact h2{font-size:22px}.stagef-contact p{margin-top:6px;opacity:.9}.stagef-contact a{flex:0 0 auto;padding:12px 16px;border-radius:12px;background:#fff;color:#075bff!important;text-decoration:none;font-weight:900}
.stagef-backtop{position:fixed;right:22px;bottom:22px;z-index:30;display:grid;place-items:center;width:44px;height:44px;border:1px solid #c8dcfa;border-radius:14px;background:#fff;color:#075bff!important;box-shadow:0 10px 30px rgba(7,21,47,.16);text-decoration:none;font-weight:950}
@media(max-width:980px){.stagef-summary{grid-template-columns:repeat(2,minmax(0,1fr))}.public-content-layout{grid-template-columns:1fr!important}.stagef-related-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.ibo-public-page-head{padding:28px 22px!important}.stagef-summary{grid-template-columns:1fr}.ibo-public-page-content{padding:0!important}.ibo-public-page-content>h2,.ibo-public-page-content>h3,.ibo-public-page-content>h4,.ibo-public-page-content>p,.ibo-public-page-content>ul,.ibo-public-page-content>ol,.ibo-public-page-content>table,.ibo-public-page-content>blockquote,.ibo-public-page-content>.public-callout,.ibo-public-page-content>hr{padding-left:20px!important;padding-right:20px!important}.stagef-related-grid{grid-template-columns:1fr}.stagef-contact{align-items:flex-start;flex-direction:column}.stagef-backtop{right:14px;bottom:14px}}
@media print{.public-content-toc,.stagef-summary,.stagef-related,.stagef-contact,.stagef-backtop,.ibo-managed-header,.ibo-managed-footer{display:none!important}.ibo-public-page{background:#fff!important}.ibo-public-page-content>*{box-shadow:none!important}.public-content-layout{display:block!important}}

/* Stage F.1 — Related-information contrast lock */
.stagef-related .stagef-related-head h2,
.stagef-related #stagef-related-title{
  color:#07152f!important;
  opacity:1!important;
  visibility:visible!important;
  text-shadow:none!important;
}
.stagef-related .stagef-related-head p{
  color:#4f6682!important;
  opacity:1!important;
  visibility:visible!important;
  font-weight:650!important;
}

/* Stage F.2 — Unified editorial content presentation
   Gives CMS/legal/trust pages the same premium reading rhythm as public articles. */
.ibo-public-page-shell{max-width:1120px!important}
.ibo-public-page-head{max-width:100%!important;border-radius:24px!important}
.stagef-summary{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:0 0 18px}
.stagef-summary-card{padding:14px;border-radius:14px;box-shadow:0 8px 22px rgba(7,21,47,.04)}
.public-content-layout,.public-content-layout.with-sidebar,.public-content-layout.without-sidebar{display:block!important;max-width:100%!important}
.ibo-public-page-content{max-width:920px!important;margin:0 auto!important;padding:34px 42px!important;background:#fff!important;border:1px solid #d8e6fa!important;border-radius:22px!important;box-shadow:0 16px 42px rgba(7,21,47,.055)!important;color:#314761!important}
.ibo-public-page-content>h2,.ibo-public-page-content>h3,.ibo-public-page-content>h4,.ibo-public-page-content>p,.ibo-public-page-content>ul,.ibo-public-page-content>ol,.ibo-public-page-content>table,.ibo-public-page-content>blockquote,.ibo-public-page-content>.public-callout,.ibo-public-page-content>hr{background:transparent!important;border:0!important;border-radius:0!important;box-shadow:none!important;margin-left:0!important;margin-right:0!important;padding-left:0!important;padding-right:0!important}
.ibo-public-page-content> :first-child:not(h2){padding-top:0!important;border:0!important;border-radius:0!important}
.ibo-public-page-content> :last-child{padding-bottom:0!important;border:0!important;border-radius:0!important}
.ibo-public-page-content>h2{margin:30px 0 10px!important;padding:0!important;color:#07152f!important;font-size:25px!important;line-height:1.22!important}
.ibo-public-page-content>h2:first-child{margin-top:0!important}
.ibo-public-page-content>h2:before{content:none!important;display:none!important}
.ibo-public-page-content>h3{margin:24px 0 8px!important;padding:0!important;color:#0b1d38!important;font-size:19px!important;line-height:1.3!important}
.ibo-public-page-content>h4{margin:20px 0 7px!important;padding:0!important;color:#102746!important}
.ibo-public-page-content>p{margin:0 0 16px!important;padding:0!important;color:#405772!important;font-size:15px!important;line-height:1.82!important}
.ibo-public-page-content>ul,.ibo-public-page-content>ol{margin:4px 0 18px 22px!important;padding:0!important;color:#405772!important;line-height:1.75!important}
.ibo-public-page-content>h2~p:has(+ h2),.ibo-public-page-content>h2~ul:has(+ h2),.ibo-public-page-content>h2~ol:has(+ h2){padding-bottom:0!important;border:0!important;border-radius:0!important;box-shadow:none!important}
.ibo-public-page-content strong,.ibo-public-page-content b{color:#102746!important}
.ibo-public-page-content a{font-weight:750}
.public-content-toc{position:relative!important;top:auto!important;max-width:920px!important;margin:0 auto 16px!important;padding:16px 18px!important;border-radius:16px!important;box-shadow:0 8px 24px rgba(7,21,47,.045)!important;background:#fff!important;border:1px solid #d8e6fa!important}
.public-content-toc:before{margin-bottom:8px!important}
.public-content-toc ol{display:flex!important;flex-wrap:wrap!important;gap:7px 9px!important;max-height:none!important;overflow:visible!important;margin:0!important;padding:0!important;list-style:none!important}
.public-content-toc li{margin:0!important;padding:0!important}
.public-content-toc a{display:inline-flex!important;padding:7px 10px!important;border:1px solid #e1eaf7!important;border-radius:9px!important;background:#f8fbff!important;color:#35506f!important;text-decoration:none!important;font-size:12px!important;line-height:1.25!important}
.stagef-related,.stagef-contact{max-width:100%!important}
@media(max-width:760px){.stagef-summary{grid-template-columns:1fr 1fr}.ibo-public-page-content{padding:26px 24px!important;border-radius:18px!important}.ibo-public-page-content>h2{font-size:22px!important}.ibo-public-page-content>p{font-size:14px!important;line-height:1.75!important}.public-content-toc{padding:14px!important}}
@media(max-width:520px){.stagef-summary{grid-template-columns:1fr}.ibo-public-page-content{padding:22px 18px!important}.public-content-toc ol{display:block!important}.public-content-toc li+li{margin-top:6px!important}.public-content-toc a{display:flex!important;width:100%!important}}


/* Stage F.3 — legacy CMS semantic reading recovery */
.ibo-public-page-content{font-size:16px!important;line-height:1.78!important}
.ibo-public-page-content>p{font-size:16px!important;line-height:1.78!important;margin-bottom:18px!important}
.ibo-public-page-content>h2{font-size:26px!important;margin-top:34px!important;margin-bottom:12px!important;font-weight:900!important;letter-spacing:-.025em!important}
.ibo-public-page-content>h2+ p{margin-top:0!important}
@media(max-width:760px){.ibo-public-page-content>p{font-size:15px!important;line-height:1.72!important}.ibo-public-page-content>h2{font-size:22px!important}}