/* Shared scale for public guidance pages. Existing brand colors and layouts retained. */
.consumer-home{--card-gap:20px;--card-radius:14px;--card-pad:24px;--section-space:56px;--copy-size:15px}
.consumer-home main section{padding:var(--section-space) 0}
.consumer-home main .wrap{width:100%;max-width:1160px;padding-inline:24px}
.consumer-home main h2{font-size:clamp(26px,3vw,34px);line-height:1.22;letter-spacing:-.025em;margin:0 0 16px;font-weight:800}
.consumer-home main h3{font-size:18px;line-height:1.4;letter-spacing:-.012em;font-weight:750}
.consumer-home main p,.consumer-home main .intro{font-size:var(--copy-size);line-height:1.7}
.consumer-home main .section-heading,.consumer-home main .d-heading{margin-bottom:28px;gap:24px}
.consumer-home main .section-kicker,.consumer-home main .d-kicker,.consumer-home main .eyebrow{font-size:11px;line-height:1.5;letter-spacing:.09em;font-weight:750}
.consumer-home main .d-heading{max-width:860px}.consumer-home main .d-heading p{margin:0}
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.consumer-home main .d-life{border-top:3px solid #a9c9ff;background:linear-gradient(145deg,#f4f8ff,#fff 55%)}
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.consumer-home main .money-card{border-top:3px solid #b9c7f5;background:#fff}
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.consumer-home main .money-card strong{min-height:50px;margin-bottom:12px}
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.consumer-home main .problem-card small{margin-top:12px}.consumer-home main .money-card small{padding-bottom:22px}
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.consumer-home main .d-decisions span{align-self:flex-start;display:grid;place-items:center;width:30px;height:30px;border-radius:8px;background:#e6f4ed;color:#227352}
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.consumer-home main .money-card:after{left:24px;bottom:24px;font-size:14px;font-weight:750}
.consumer-home main .d-life:hover,.consumer-home main .d-decisions>button:hover,.consumer-home main .money-card:hover,.consumer-home main .problem-card:hover,.consumer-home main .d-learning>button:hover{border-color:#96b9ed;box-shadow:0 8px 20px #173b6015;transform:translateY(-2px)}
.consumer-home main .life-grid,.consumer-home main .guide-links{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.consumer-home main .life-card,.consumer-home main .guide-links a{font-size:15px;line-height:1.5;min-height:72px;padding:18px;border-radius:12px;display:flex;align-items:center;box-sizing:border-box}
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.consumer-home main .step-grid,.consumer-home main .trust-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--card-gap)}
.consumer-home main .simple-step,.consumer-home main .trust-point,.consumer-home main .testimonial,.consumer-home main .d-story{padding:var(--card-pad);border:1px solid #dfe7f1;border-radius:var(--card-radius);min-width:0;box-shadow:none}
.consumer-home main .simple-step,.consumer-home main .trust-point{background:white}.consumer-home main .trust-point strong{font-size:18px;line-height:1.4}
.consumer-home main .simple-step p,.consumer-home main .trust-point p,.consumer-home main .testimonial p,.consumer-home main .d-story p,.consumer-home main .d-timeline li{font-size:14px;line-height:1.65}
.consumer-home main .option-grid.with-health-check{gap:var(--card-gap)}
.consumer-home main .start-option{padding:var(--card-pad);border-radius:var(--card-radius);display:flex;flex-direction:column;align-items:stretch;min-width:0}
.consumer-home main .start-option h3{font-size:20px;line-height:1.35;min-height:54px;margin:14px 0}
.consumer-home main .option-price{font-size:40px;line-height:1.2;font-weight:850;margin:8px 0 22px}
.consumer-home main .start-option p,.consumer-home main .start-option li{font-size:14px;line-height:1.65}.consumer-home main .start-option ul{padding-left:20px}
.consumer-home main .start-option>.primary,.consumer-home main .health-option-actions{margin-top:auto}.consumer-home main .start-option>small{font-size:12px;line-height:1.6;min-height:58px}
.consumer-home main .health-option-actions{flex-direction:column}.consumer-home main .health-option-actions button{text-align:center}
.consumer-home main .d-two{gap:var(--card-gap)}.consumer-home main .d-story h3{font-size:22px}.consumer-home main .d-story-end{font-size:17px;line-height:1.55}
.consumer-home main .d-callout,.consumer-home main .d-calculator,.consumer-home main .d-score-demo{border-radius:var(--card-radius);padding:28px;border:1px solid #dce7f4;box-shadow:none}
.consumer-home main .d-business-list>div{font-size:15px;line-height:1.55;padding:16px 0}.consumer-home main .d-business-bottom h3{font-size:22px;line-height:1.4}
.consumer-home main .d-flow{font-size:14px;line-height:1.8;padding:22px;border-radius:12px}
.consumer-home main .d-note,.consumer-home main .investment-note,.consumer-home main .section-hint{font-size:12px;line-height:1.65}
.consumer-home main .problem-box{padding:32px;border-radius:16px}.consumer-home main .problem-box h2{font-size:30px}.consumer-home main .final-cta{padding:40px 24px;border-radius:16px}.consumer-home main .final-cta h2{font-size:30px}
.consumer-home main .hero{padding:56px 0}.consumer-home main .hero h1{font-size:clamp(34px,4.4vw,54px);line-height:1.1}.consumer-home main .hero .brand-line{font-size:22px;line-height:1.4}.consumer-home main .hero .hero-copy{font-size:16px;line-height:1.75}.consumer-home main .hero-consult{border-radius:16px;padding:28px}.consumer-home main .hero-consult h2{font-size:24px}
@media(max-width:900px){.consumer-home{--card-pad:22px;--card-gap:16px;--section-space:44px}.consumer-home main .d-grid,.consumer-home main .d-decisions,.consumer-home main .money-grid,.consumer-home main .problem-grid,.consumer-home main .d-learning,.consumer-home main .life-grid,.consumer-home main .guide-links,.consumer-home main .step-grid,.consumer-home main .trust-points{grid-template-columns:repeat(2,minmax(0,1fr))}.consumer-home main .start-option h3,.consumer-home main .start-option>small{min-height:0}.consumer-home main .money-card:after{left:22px;bottom:22px}}
@media(max-width:560px){.consumer-home{--card-pad:22px;--section-space:36px}.consumer-home main .wrap{padding-inline:18px}.consumer-home main .d-grid,.consumer-home main .d-decisions,.consumer-home main .money-grid,.consumer-home main .problem-grid,.consumer-home main .d-learning,.consumer-home main .step-grid,.consumer-home main .trust-points,.consumer-home main .guide-links{grid-template-columns:1fr}.consumer-home main .d-life,.consumer-home main .d-decisions>button,.consumer-home main .money-card,.consumer-home main .problem-card,.consumer-home main .d-learning>button{min-height:240px}.consumer-home main .life-card{font-size:14px;padding:14px;min-height:78px}.consumer-home main .hero h1{font-size:34px}.consumer-home main .hero .brand-line{font-size:20px}.consumer-home main .hero{padding:36px 0}.consumer-home main .problem-box{padding:24px}.consumer-home main .problem-box h2,.consumer-home main .final-cta h2{font-size:26px}.consumer-home main .start-option{padding:24px}.consumer-home main .d-calculator,.consumer-home main .d-callout{padding:24px}}
@media(prefers-reduced-motion:reduce){.consumer-home main button,.consumer-home main article{transition:none!important;transform:none!important}}
/* Compact browsing cards: four columns, with space determined by content. */
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.consumer-home main .d-life h3,.consumer-home main .d-decisions strong,.consumer-home main .d-learning h3{margin:10px 0 8px}
.consumer-home main .money-card strong{margin-bottom:8px}
.consumer-home main .d-life p,.consumer-home main .money-card small,.consumer-home main .problem-card small{font-size:13px;line-height:1.5;margin-bottom:10px}
.consumer-home main .problem-card small{margin-top:8px;margin-bottom:0}
.consumer-home main .d-text,.consumer-home main .d-decisions small{font-size:12px;line-height:1.45;padding-top:10px}
.consumer-home main .money-card:after{left:18px;bottom:16px;font-size:12px}
.consumer-home main .money-card small{padding-bottom:20px}
.consumer-home main .d-decisions span{width:24px;height:24px;font-size:10px;border-radius:6px}
.consumer-home main .d-num,.consumer-home main .d-learning span{font-size:10px}
.consumer-home main .section-heading h2,.consumer-home main .d-heading h2{font-size:clamp(25px,2.5vw,30px)}
@media(max-width:1000px){.consumer-home main .d-grid,.consumer-home main .d-decisions,.consumer-home main .money-grid,.consumer-home main .problem-grid,.consumer-home main .d-learning{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.consumer-home main .d-grid,.consumer-home main .d-decisions,.consumer-home main .money-grid,.consumer-home main .problem-grid,.consumer-home main .d-learning{gap:10px}.consumer-home main .d-life,.consumer-home main .d-decisions>button,.consumer-home main .money-card,.consumer-home main .problem-card,.consumer-home main .d-learning>button{padding:15px;min-height:140px}.consumer-home main .money-card:after{left:15px;bottom:15px}}
@media(max-width:360px){.consumer-home main .d-grid,.consumer-home main .d-decisions,.consumer-home main .money-grid,.consumer-home main .problem-grid,.consumer-home main .d-learning{grid-template-columns:1fr}}

/* Topic navigation must grow with its rows, independently of the site header. */
.consumer-home main nav.guide-links{height:auto;min-height:0;position:static;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;backdrop-filter:none}
.consumer-home main .guide-links a{min-height:72px;padding:18px;font-size:15px}
@media(max-width:850px){.consumer-home main nav.guide-links{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:480px){.consumer-home main nav.guide-links{grid-template-columns:1fr}}

.consumer-home main .problem-card strong{font-size:15px;line-height:1.4}.consumer-home main .problem-card .expertise-action{margin-top:auto;padding-top:12px;font-size:12px;line-height:1.4;font-weight:750;color:#155eef}