@media (min-width: 576px) {

    .container,
    .container-sm {
        max-width: 85%;
    }
}

h1,
h2 {
    color: #B70100;
    font-family: 'Parrish', serif;
    font-style: normal;
    font-weight: 600;
    margin-bottom: 10px;
}

h1 {
    font-size: 32px;
}

h2 {
    font-size: 30px;
}

h3 {
    font-size: 20px;
    font-weight: 600;
    font-family: Rubik-Light, sans-serif;
    margin-bottom: 20px;
}
.white-paper-content p, .white-paper-content li{
    font-size: 15px;
    font-family: Rubik-Light, sans-serif;
}

.white-paper-content b, .white-paper-content strong {
    font-weight: 600;
}
.white-paper-content a, .white-paper-content ul li a{
    text-decoration: underline;
    color:#1565C0
}

#bannerplain img {
    object-fit: initial !important;
}
#bannerplain::before {
    background-color: transparent;
}

#bannerplain .page-titles{
    margin-top: 30px;
}
#bannerplain img {
    object-fit: contain;
}

.gray-bg {
    background-color: #F5F5F5;
    padding: 40px;
    border-radius: 10px;
}

.toc-title {
    font-size: 18px;
    font-weight: 500;
    margin-bottom: 20px;
    color: #333;
}

.toc-list {
    list-style: none;
    padding: 0;
    margin: 0;
}

.toc-list > li > .main-heading {
    display: block;
    padding: 10px 32px 10px 15px; /* extra right padding for icon */
    color: #212529;
    border-left: 3px solid #ddd;
    background: #fff;
    font-size: 15px;
    font-weight: 500;
    text-decoration: none;
    cursor: pointer;
    transition: all 0.3s;
    position: relative;
}
.toc-list > li > .main-heading:hover,
.toc-list > li > .main-heading:focus,
.toc-list > li > .main-heading.active {
    color: #B70100;
    border-left-color: #B70100;
    background: #f9f9f9;
    font-weight: bold;
    outline: none;
}

.toc-list > li > .main-heading::after {
    content: '';
}
.toc-toggle-icon {
    display: block;
    position: absolute;
    right: 15px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 15px;
    font-weight: bold;
    color: #B70100;
    pointer-events: none;
    transition: color 0.2s;
    background: none;
    margin: 0;
}

.toc-sublist {
    list-style: none;
    padding-left: 10px;
    margin: 0;
    background: #f6f6f6;
    border-left: 2px solid #eee;
}
.toc-sublist .sub-heading {
    display: block;
    color: #444;
    font-size: 13px;
    padding: 7px 32px 7px 22px; /* extra right padding for arrow */
    border-left: 2px solid #eee;
    font-weight: 400;
    background: transparent;
    text-decoration: none;
    transition: color 0.2s;
    position: relative;
}
.toc-h3-arrow {
    position: absolute;
    right: 15px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 13px;
    color: #bbb;
    pointer-events: none;
    font-weight: normal;
    transition: color 0.2s;
}
.toc-sublist .sub-heading:hover .toc-h3-arrow,
.toc-sublist .sub-heading:focus .toc-h3-arrow,
.toc-sublist .sub-heading.active .toc-h3-arrow {
    color: #B70100;
}
.toc-sublist .sub-heading:hover,
.toc-sublist .sub-heading:focus,
.toc-sublist .sub-heading.active {
    color: #B70100;
    border-left-color: #B70100;
    background: #f1f1f1;
    font-weight: 500;
    outline: none;
}
.toc-sublist .sub-heading:hover .toc-h3-arrow,
.toc-sublist .sub-heading:focus .toc-h3-arrow,
.toc-sublist .sub-heading.active .toc-h3-arrow {
    color: #B70100;
}

.toc-link.sub-heading:hover,
.toc-link.sub-heading:focus,
.toc-link.sub-heading.active {
    color: #B70100;
    border-left-color: #B70100;
    background: #f1f1f1;
    font-weight: 500;
    outline: none;
}
.toc-link.sub-heading:hover .toc-h3-arrow,
.toc-link.sub-heading:focus .toc-h3-arrow,
.toc-link.sub-heading.active .toc-h3-arrow {
    color: #B70100;
}

.toc-list a,
.toc-sublist .sub-heading {
    text-decoration: none !important;
}

@media (max-width: 991px) {
    .toc-list > li > .main-heading,
    .toc-sublist .sub-heading {
        font-size: 14px;
        padding: 9px 10px 9px 17px;
    }
}

/* Main Content Styles */
.content-container {
    margin-bottom: 20px;
}

.main-heading {
    color: #B70100;
    /* font-family: 'Parrish', serif; */
    font-size: 32px;
    font-style: normal;
    font-weight: 400;
    line-height: normal;
    /* margin-bottom: 10px; */
}

.section-heading {
    color: #B70100;
    font-family: 'Parrish', serif;
    font-size: 32px;
    font-style: normal;
    font-weight: 400;
    line-height: normal;
    margin-bottom: 10px;
    margin-top: 40px;
}

.before-after-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top:-20px;
   
}
.before-after-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    border: 2px solid #343a40;
    background: transparent;
    display: inline-block;
    cursor: pointer;
    transition: background 0.2s, border-color 0.2s;
}
.before-after-dot.active {
    background: #343a40;
    border-color: #343a40;
}
.before-after-dot:hover {
    background: #f9d6d6;
    border-color: #343a40;
}


.highlight-text {
    font-weight: 500;
    color: #B70100;
}

.bullet-points {
    list-style-type: disc;
}


.bullet-points li {
    margin-bottom: 15px;
    line-height: 1.6;
}

.bullet-points strong {
    font-weight: 500;
}

.ad-placeholder {
    background: #dee2e6;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 4px;
    color: #6c757d;
    font-size: 14px;
}

.heighlteted-text-bg {
    font-style: italic;
}

.heighlteted-text-bg p {
    margin-bottom: 0;
}

.list-heading {
    font-size: 18px;
}

/* Responsive adjustments */
@media (max-width: 991px) {

    .toc-container,
    .ad-banner {
        position: static;
        margin-bottom: 20px;
    }
}

/* --- Talk to Our Experts Form Styles --- */
.expert-form-container {
    background: #fff;
    border-radius: 10px;
    box-shadow: 0 2px 16px rgba(0, 0, 0, 0.08);
    padding: 15px;
    margin-bottom: 24px;
    display: flex;
    flex-direction: column;
    align-items: stretch;
}

.expert-form-title {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 16px;
    text-align: center;
    color: #222;
    letter-spacing: 0.5px;
}

.expert-form {
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.expert-input {
    border: 1px solid #ddd;
    border-radius: 5px;
    padding: 5px 12px;
    font-size: 15px;
    background: #fafbfc;
    transition: border 0.2s;
    margin: 0;
}

.expert-input:focus {
    border: 1.5px solid #c00;
    outline: none;
    background: #fff;
}

.expert-textarea {
    min-height: 60px;
    resize: vertical;
    min-width: 100%;
    max-width: 100%;
}

.expert-captcha-row {
    display: flex;
    gap: 8px;
    align-items: center;
}

.expert-captcha-input {
    flex: 1 1 60%;
    width: 150px;
    border: 1px solid #ddd;
    border-radius: 5px;
    padding: 5px 12px;
    font-size: 15px;
    background: #fafbfc;
    margin: 0;
}

.expert-captcha-btn {
    background: #464646;
    color: #fff;
    border: none;
    border-radius: 5px;
    padding: 10px 18px;
    font-weight: 600;
    font-size: 15px;
    cursor: pointer;
    transition: background 0.2s;
}

.expert-captcha-btn:hover {
    background: #a00;
}

#small-form-captcha{
    height: 35px;
    border-radius: 3px;
}

.expert-submit-btn {
    background: #B70100;
    color: #fff;
    border: none;
    border-radius: 5px;
    padding: 12px 0;
    font-weight: 700;
    font-size: 16px;
    margin-top: 8px;
    cursor: pointer;
    transition: background 0.2s;
    letter-spacing: 0.5px;
}

.expert-submit-btn:hover {
    background: #a00;
}

@media (min-width: 768px) {
    .heighlteted-text-bg {
        background-image: url('/whitepapers/images/text-highligting-bg.webp');
        background-size: 100% 100%;
        background-position: center;
        background-repeat: no-repeat;
    }

    .toc-container {
        position: sticky;
        top: 15px;
        height: fit-content;
        max-height: 550px;
        overflow-y: auto;
        padding-right: 8px;
    }
    .white-paper-right-siderbar {
        position: sticky;
        top: 15px;
        height: fit-content;
        /* padding: 20px; */
        text-align: center;
    }
}

@media (max-width: 768px) {
    .heighlteted-text-bg {
        background-image: none;
        background-color: #1565C0;
        color: #fff;
    }
}

/* Smooth scrolling */
html {
    scroll-behavior: smooth;
}

/* Section spacing */
.content-section {
    scroll-margin-top: 20px;
}

.custom-table {
    /* border-collapse: separate; */
    border-spacing: 0;
    width: 100%;
    border: 1px solid #dee2e6;
  }
  .custom-table th,
  .custom-table td {
    border: 1px solid #dee2e6;
    padding: 15px;
    vertical-align: middle;
    font-size: 15px;
  }

  .custom-table thead th:nth-child(odd) {
    background-color: #1565C0;
    color: #fff;
    font-weight: 600;
    text-align: center;
    white-space: nowrap;
  }
  .custom-table thead th:nth-child(even) {
    background-color: #0E396B;
    color: #fff;
    font-weight: 600;
    text-align: center;
    white-space: nowrap;
  }

  .custom-table tbody tr:nth-child(even) {
    background-color: #f8f9fa;
  }
  .custom-table td:first-child {
    font-weight: 600;
    min-width: 180px;
  }
  .custom-table td:nth-child(2) {
    min-width: 220px;
    text-align: center;
  }
  .custom-table td:nth-child(3) {
    min-width: 260px;
    font-size: 14px;
    color: #333;
  }
  .custom-table a {
    color: #0d6efd;
    text-decoration: none;
  }
  .custom-table a:hover {
    text-decoration: underline;
  }
  /* Make text wrap nicely on smaller screens */
  @media (max-width: 768px) {
    .custom-table th, 
    .custom-table td {
      font-size: 14px;
      padding: 10px;
      white-space: normal;
    }
  }

  .savings-card {
    background-color: #f5f9ff;
    border-radius: 8px;
    padding: 10px 20px;
    text-align: left;
    box-shadow: 0 1px 3px rgba(0,0,0,0.05);
    height: 100%;
  }
  .savings-card h6 {
    font-weight: 600;
    color: #333;
    margin-bottom: 10px;
  }
  .savings-card .amount {
    color: #1565C0;
    font-weight: 700;
    font-size: 18px;
    line-height: 1.4;
  }
  .savings-card .sub {
    color: #1565C0;
    font-weight: 700;
    font-size: 16px;
  }

  .mini-calculator {
    font-family: 'Inter', sans-serif;
  }
  
  .mini-calculator h2 {
    font-size: 1.8rem;
    color: #b60000;
  }
  
  .step-box {
    display: flex;
    align-items: flex-start;
    background: #f8f9fb;
    border: 1px solid #e1e5ea;
    border-radius: 8px;
    padding: 1.5rem;
    position: relative;
  }
  
  .step-label {
    background: #003b73;
    color: #fff;
    border-radius: 12px 0 0 12px;
    padding: 0.75rem 1rem;
    text-align: center;
    min-width: 70px;
    margin-right: 1.5rem;
    flex-shrink: 0;
  }
  
  .step-label span {
    display: block;
    font-size: 0.85rem;
    text-transform: uppercase;
  }
  
  .step-label strong {
    display: block;
    font-size: 1.4rem;
    line-height: 1;
  }
  
  .step-content h3 {
    color: #000;
    margin-bottom: 0.5rem;
  }
  
  .step-content p, 
  .step-content li {
    color: #333;
    font-size: 0.95rem;
    line-height: 1.6;
  }
  
  .step-content ul {
    padding-left: 1.2rem;
  }
  
  /* Responsive design */
  @media (max-width: 768px) {
    .step-box {
      flex-direction: column;
      padding: 1.25rem;
    }
  
    .step-label {
      border-radius: 10px;
      margin-bottom: 1rem;
      align-self: flex-start;
    }
  }

  .totals form.findus .select:after, blockquote, table, td, tr {
    color: #212529;
    border: 1px solid #d4bcbc !important;
    padding: 2% !important;
}