/* v20: homepage FAQ, calculator removal layout, and sitewide internal-link hub */
.page-home-v20 .premium-hero-v12{
  grid-template-columns:minmax(0,1.35fr) minmax(330px,.65fr);
  align-items:stretch;
}
.page-home-v20 .premium-hero-v12 .hero-copy{
  max-width:none;
}
.page-pricing-ui-v18 .pricing-hero-v18{
  grid-template-columns:1fr!important;
}
.page-pricing-ui-v18 .pricing-hero-v18 .hero-text{
  max-width:920px;
}

.faq-accordion{
  display:grid;
  gap:14px;
  max-width:980px;
  margin:28px auto 0;
}
.faq-accordion-item{
  background:#fff;
  border:1px solid #dbe3ef;
  border-radius:16px;
  overflow:hidden;
  box-shadow:0 8px 24px rgba(15,23,42,.05);
}
.faq-accordion-item summary{
  position:relative;
  list-style:none;
  cursor:pointer;
  padding:18px 54px 18px 20px;
  font-weight:800;
  color:#0f172a;
  line-height:1.4;
}
.faq-accordion-item summary::-webkit-details-marker{
  display:none;
}
.faq-accordion-item summary::after{
  content:"+";
  position:absolute;
  right:20px;
  top:50%;
  transform:translateY(-50%);
  width:28px;
  height:28px;
  display:grid;
  place-items:center;
  border-radius:999px;
  background:#eef2ff;
  color:#1d4ed8;
  font-size:22px;
  font-weight:800;
}
.faq-accordion-item[open] summary::after{
  content:"–";
}
.faq-accordion-item[open] summary{
  border-bottom:1px solid #e5e7eb;
}
.faq-answer{
  padding:0 20px 18px;
  color:#475569;
  line-height:1.75;
}
.faq-answer p:last-child{
  margin-bottom:0;
}

.internal-link-hub{
  margin-top:18px;
  margin-bottom:18px;
  padding-top:54px;
  padding-bottom:54px;
}
.internal-link-hub__shell{
  background:linear-gradient(135deg,#f8fafc,#eef2ff);
  border:1px solid #dbe3ef;
  border-radius:24px;
  padding:30px;
  box-shadow:0 12px 32px rgba(15,23,42,.06);
}
.internal-link-hub__head{
  max-width:820px;
  margin-bottom:22px;
}
.internal-link-hub__head h2{
  margin:6px 0 10px;
}
.internal-link-hub__head p{
  margin:0;
  color:#475569;
}
.internal-link-grid{
  display:grid;
  grid-template-columns:repeat(5,minmax(0,1fr));
  gap:12px;
}
.internal-link-grid a{
  display:flex;
  align-items:center;
  min-height:58px;
  padding:13px 14px;
  border:1px solid #dbe3ef;
  border-radius:14px;
  background:#fff;
  color:#0f2a6a;
  text-decoration:none;
  font-weight:800;
  line-height:1.3;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}
.internal-link-grid a:hover,
.internal-link-grid a:focus-visible{
  transform:translateY(-2px);
  border-color:#93c5fd;
  box-shadow:0 8px 20px rgba(29,78,216,.10);
}
@media (max-width:1000px){
  .internal-link-grid{grid-template-columns:repeat(3,minmax(0,1fr));}
}
@media (max-width:700px){
  .page-home-v20 .premium-hero-v12{display:block;}
  .page-pricing-ui-v18 .pricing-hero-v18{display:block;}
  .internal-link-hub{padding-top:38px;padding-bottom:38px;}
  .internal-link-hub__shell{padding:22px 18px;}
  .internal-link-grid{grid-template-columns:1fr;}
  .faq-accordion-item summary{padding:16px 50px 16px 16px;}
  .faq-answer{padding:0 16px 16px;}
}

.hero-guide-card{
  align-self:stretch;
  background:#fff;
  border:1px solid #dbe3ef;
  border-radius:24px;
  padding:28px;
  box-shadow:0 16px 40px rgba(15,23,42,.08);
  display:flex;
  flex-direction:column;
}
.hero-guide-head h2{
  margin:6px 0 10px;
  color:#0f2a6a;
  font-size:clamp(24px,2.2vw,32px);
  line-height:1.15;
}
.hero-guide-head p{
  margin:0;
  color:#475569;
  line-height:1.65;
}
.hero-guide-steps{
  display:grid;
  gap:14px;
  margin:22px 0;
}
.hero-guide-step{
  display:grid;
  grid-template-columns:38px minmax(0,1fr);
  gap:12px;
  align-items:start;
  padding:14px;
  background:#f8fafc;
  border:1px solid #e2e8f0;
  border-radius:16px;
}
.hero-guide-number{
  width:36px;
  height:36px;
  display:grid;
  place-items:center;
  border-radius:12px;
  background:#0f2a6a;
  color:#fff;
  font-weight:900;
}
.hero-guide-step strong{
  display:block;
  color:#0f172a;
  margin-bottom:4px;
}
.hero-guide-step small{
  display:block;
  color:#64748b;
  line-height:1.55;
}
.hero-guide-links{
  display:flex;
  align-items:center;
  flex-wrap:wrap;
  gap:8px;
  margin-top:auto;
  padding-top:4px;
  font-size:14px;
}
.hero-guide-links span{
  color:#64748b;
  font-weight:700;
}
.hero-guide-links a{
  color:#1d4ed8;
  font-weight:800;
  text-decoration:none;
}
.hero-guide-cta{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  margin-top:18px;
  padding:14px 18px;
  border-radius:999px;
  background:#25d366;
  color:#fff!important;
  text-decoration:none;
  font-weight:900;
}
@media (max-width:900px){
  .page-home-v20 .premium-hero-v12{
    grid-template-columns:1fr;
  }
}