:root{--ink:#11252d;--ink2:#263e47;--muted:#576d75;--teal:#14766c;--teal2:#0b514e;--cream:#f8f6f0;--paper:#ffffff;--sand:#eae6db;--gold:#bc8b4e;--line:#dbe4e2;--radius:18px;--wide:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:inherit}img,svg{max-width:100%}button{font:inherit}::selection{background:#c9e8df;color:#11252d}
.skip-link{position:absolute;left:14px;top:-65px;background:#fff;padding:10px 14px;z-index:500}.skip-link:focus{top:8px}
.container{width:min(var(--wide),calc(100% - 44px));margin-inline:auto}.site-header{position:sticky;top:0;background:#fffdfbf2;backdrop-filter:blur(16px);z-index:100;border-bottom:1px solid #e9eeeb}.header-inner{height:86px;display:flex;align-items:center;gap:20px}.brand{display:inline-flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}.brand-symbol{width:43px;height:43px;display:grid;place-items:center;color:#fff;background:var(--ink);border-radius:13px;transform:rotate(-5deg)}.brand-symbol svg{width:26px;height:26px;transform:rotate(5deg)}.brand-name{font-weight:840;letter-spacing:-.6px;font-size:16px;line-height:1.07}.brand-name small{display:block;color:var(--teal);font-weight:700;font-size:11px;text-transform:uppercase;letter-spacing:1.7px;margin-top:4px}
.nav{margin-left:auto;display:flex;align-items:center;gap:25px}.nav>a,.dropdown summary{font-size:13px;font-weight:730;text-decoration:none;color:var(--ink2);cursor:pointer}.nav>a:hover,.dropdown summary:hover,.nav a[aria-current="page"]{color:var(--teal)}.dropdown{position:relative}.dropdown summary{list-style:none}.dropdown summary::-webkit-details-marker{display:none}.dropdown summary::after{content:"⌄";margin-left:6px;font-size:13px}.mega{display:grid;grid-template-columns:1fr 1fr;gap:16px;position:absolute;top:35px;left:-110px;width:500px;padding:22px;background:#fff;border:1px solid var(--line);box-shadow:0 20px 45px #10282b1a;border-radius:16px}.mega h4{font-size:11px;text-transform:uppercase;letter-spacing:1.3px;color:var(--teal);margin:0 0 9px}.mega a{display:block;text-decoration:none;font-weight:700;padding:6px 0;font-size:13px}.mega a:hover{color:var(--teal)}.nav-cta{padding:11px 16px;border-radius:9px;background:var(--teal2);color:#fff!important}.nav-cta:hover{background:var(--ink)}.mobile-toggle{display:none;margin-left:auto;background:transparent;border:1px solid var(--line);padding:8px 12px;border-radius:9px;cursor:pointer}
.btn{display:inline-flex;justify-content:center;align-items:center;gap:10px;border-radius:10px;padding:13px 18px;text-decoration:none;font-weight:790;font-size:14px;transition:transform .15s,background .15s,border-color .15s;border:1px solid transparent}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--teal);color:white}.btn-primary:hover{background:var(--teal2)}.btn-light{background:white;color:var(--ink)}.btn-outline{border-color:#b4c9c5;color:var(--ink);background:transparent}.btn-outline:hover{background:#eaf6f2}
.kicker{display:inline-block;letter-spacing:2.1px;font-size:11px;font-weight:850;text-transform:uppercase;color:var(--teal)}.kicker.gold{color:#d7ad71}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(41px,5.1vw,73px);max-width:820px;margin-bottom:22px}h2{font-size:clamp(30px,3.3vw,46px);margin-bottom:17px}h3{font-size:22px;margin-bottom:12px}.lead{font-size:clamp(17px,1.8vw,20px);color:var(--muted);line-height:1.68;max-width:695px}.hero{padding:92px 0 94px;background:var(--cream);overflow:hidden;position:relative}.hero::after{content:"";position:absolute;right:-170px;top:-275px;width:600px;height:600px;border:1px solid #cadad5;border-radius:50%;box-shadow:0 0 0 72px #ffffff12,0 0 0 144px #d3e0d935;pointer-events:none}.hero .container{position:relative;z-index:1}.hero h1 em{font-style:normal;color:var(--teal)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:31px}.hero-meta{display:flex;gap:22px;flex-wrap:wrap;margin-top:49px;padding-top:25px;border-top:1px solid #dce4dd;font-size:12px;text-transform:uppercase;letter-spacing:1px;font-weight:750;color:#506e6c}.hero-meta span::before{content:"◆";font-size:8px;color:var(--gold);margin-right:9px}
.section{padding:88px 0}.section-tight{padding:65px 0}.section-cream{background:var(--cream)}.section-dark{background:var(--ink);color:#fff}.section-dark .lead,.section-dark p{color:#b9cacc}.section-head{max-width:730px;margin-bottom:35px}.grid{display:grid;gap:20px}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.card{padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:white;min-width:0}.card h3{font-size:21px;margin:12px 0 10px}.card p{color:var(--muted);font-size:15px;margin:0}.card a{font-weight:800;text-decoration:none;color:var(--teal);display:inline-block;margin-top:18px}.card a:hover{text-decoration:underline}.card-number{font-size:12px;font-weight:900;color:var(--gold);letter-spacing:1.6px}.card-icon{font-size:24px;display:grid;place-items:center;background:#e8f2ee;width:48px;height:48px;border-radius:14px;color:var(--teal)}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:58px;align-items:center}.feature-panel{background:#e6f0eb;padding:36px;border-radius:22px;position:relative}.feature-panel h3{font-size:27px}.feature-list{list-style:none;margin:18px 0 0;padding:0}.feature-list li{padding:13px 0;border-bottom:1px solid #c6d7d0;display:flex;gap:12px;font-weight:700}.feature-list li::before{content:"✓";color:var(--teal)}.feature-list li:last-child{border-bottom:0}.accent{color:var(--teal)}.eyebrow-list{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.eyebrow-list span{font-size:12px;color:#406661;background:#e8f2ed;padding:8px 12px;border-radius:999px;font-weight:730}.dark-callout{border-radius:22px;background:var(--ink);color:#fff;padding:49px;display:flex;align-items:center;justify-content:space-between;gap:40px}.dark-callout h2{max-width:690px;margin-bottom:10px}.dark-callout p{color:#bed0ce;margin-bottom:0}.dark-callout .btn{white-space:nowrap}
.page-hero{padding:75px 0 64px;background:var(--cream);border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(41px,4.6vw,62px);margin:14px 0 17px}.page-hero .lead{margin-bottom:0}.breadcrumb{font-size:12px;color:var(--muted);margin-bottom:18px}.breadcrumb a{text-decoration:none;color:var(--teal)}.prose{max-width:790px}.prose h2{font-size:30px;margin-top:43px}.prose h3{font-size:22px;margin-top:28px}.prose p,.prose li{font-size:17px;line-height:1.85;color:#405861}.prose ul,.prose ol{padding-left:26px}.prose a{color:var(--teal)}.quote{border-left:4px solid var(--gold);padding:10px 0 10px 23px;font-size:23px;line-height:1.5;font-weight:700;color:var(--ink);margin:32px 0}.notice{background:#eef6f2;border:1px solid #c8e1d8;border-radius:14px;padding:21px 24px;color:#375c5b;font-size:14px;line-height:1.65}.article-layout{display:grid;grid-template-columns:1fr 270px;gap:75px;align-items:start}.sidebar{position:sticky;top:112px;padding:25px;background:var(--cream);border-radius:15px}.sidebar h3{font-size:16px}.sidebar a{display:block;font-size:14px;font-weight:740;text-decoration:none;padding:9px 0;color:var(--teal)}.stat-line{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#345057;border-radius:17px;overflow:hidden;margin-top:35px}.stat-line>div{background:#18363e;padding:29px}.stat-line strong{display:block;font-size:19px}.stat-line span{color:#b9cdce;font-size:13px}.faq details{padding:20px 0;border-bottom:1px solid var(--line)}.faq summary{font-weight:800;cursor:pointer;font-size:17px}.faq p{margin:12px 0 0;color:var(--muted)}.mini-tag{font-size:11px;letter-spacing:1.2px;font-weight:840;text-transform:uppercase;color:var(--teal)}.card-featured{background:#e9f2ed}.card-featured h3{font-size:24px}.article-card{display:flex;flex-direction:column;justify-content:space-between}.article-card p{min-height:78px}
.site-footer{background:#0c2028;color:#e6efec;padding:70px 0 27px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:55px}.footer-grid p{color:#adc0c2;max-width:380px;font-size:14px}.footer-grid h4{color:#a6c8c0;text-transform:uppercase;font-size:11px;letter-spacing:1.7px;margin-bottom:17px}.footer-grid a{display:block;color:#e5efeb;text-decoration:none;font-size:14px;margin:11px 0}.footer-grid a:hover{color:#b1dbd0}.footer-bottom{margin-top:56px;border-top:1px solid #2a4449;padding-top:22px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#9eb4b5}.footer-bottom a{color:#c6dfd8}
@media(max-width:960px){.header-inner{height:75px}.mobile-toggle{display:block}.nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:20px 22px 26px;box-shadow:0 22px 40px #1232}.nav.open{display:flex;flex-direction:column;align-items:stretch;gap:15px}.dropdown{width:100%}.mega{position:static;display:grid;width:100%;box-shadow:none;margin-top:12px;padding:16px}.split,.article-layout{grid-template-columns:1fr}.sidebar{position:static}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.dark-callout{align-items:flex-start;flex-direction:column}.hero::after{opacity:.4}}
@media(max-width:640px){.container{width:min(100% - 32px,var(--wide))}.brand-name{font-size:14px}.brand-symbol{width:39px;height:39px}.hero{padding:68px 0 70px}.hero h1{font-size:42px}.hero-meta{margin-top:32px;gap:12px}.page-hero{padding:55px 0}.section{padding:62px 0}.section-tight{padding:45px 0}.grid-3,.grid-2{grid-template-columns:1fr}.card{padding:23px}.feature-panel{padding:27px}.dark-callout{padding:29px}.dark-callout .btn{white-space:normal}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:first-child{grid-column:span 2}.footer-bottom{flex-direction:column;margin-top:35px}.stat-line{grid-template-columns:1fr}.site-footer{padding-top:48px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}.btn:hover{transform:none}}

/* Full publication navigation and interactive tools — October 2026 */
.header-inner{position:relative}.nav{gap:21px}.dropdown{position:static}.mega{top:calc(100% - 1px);left:0;width:100%;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;z-index:102}.mega h4{border-bottom:1px solid var(--line);padding-bottom:9px}.mega a{padding:8px 0}.dropdown[open]>summary{color:var(--teal)}.nav-cta{white-space:nowrap}.calc-form{display:flex;flex-direction:column;gap:12px}.calc-form label{font-weight:800;font-size:14px}.calc-form input{padding:13px 14px;font:inherit;background:#fff;border-radius:10px;border:1px solid #a9c0b9;max-width:100%;width:100%}.calc-form input:focus,.check-row input:focus-visible,.mobile-toggle:focus-visible,.dropdown summary:focus-visible{outline:3px solid #9dcac0;outline-offset:3px}.tool-status{font-size:12px;color:#506e6b;margin:8px 0}.tool-result{margin-top:14px;padding:23px;background:white;border:1px solid #b4d2c8;border-radius:14px}.tool-result[hidden]{display:none}.result-number{display:block;color:var(--teal);font-size:49px;letter-spacing:-.05em}.tool-result p{margin-bottom:8px}.check-row{display:flex;align-items:flex-start;gap:12px;font-size:14px;font-weight:600;color:var(--ink2);margin-top:15px;cursor:pointer}.check-row input{accent-color:var(--teal);width:20px;height:20px;margin-top:3px;flex-shrink:0}.check-row span{line-height:1.5}.tool-result .mini-tag{display:block}
@media(max-width:960px){.nav{max-height:calc(100vh - 75px);overflow-y:auto}.dropdown{position:static}.mega{position:static;display:grid;grid-template-columns:1fr;gap:8px;width:100%;margin:12px 0 0;padding:16px;box-shadow:none;border:1px solid var(--line)}.mega h4{margin:0}.mega a{padding:6px 0}.nav .dropdown summary{padding:5px 0}.nav-cta{text-align:center}}

/* Searchable merchant intelligence library */
.nav-search{display:inline-flex;align-items:center;gap:5px;white-space:nowrap;color:var(--teal)!important}
.nav-search[aria-current="page"]{text-decoration:underline;text-underline-offset:6px}
.hero-library-link{margin:24px 0 -12px;font-weight:800;font-size:14px}
.hero-library-link a{color:var(--teal);text-decoration:underline;text-underline-offset:4px}
.search-hero{padding-bottom:74px}
.search-section{padding-top:66px}
.search-workspace{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(260px,.75fr);gap:36px;align-items:start}
.search-input-column h2{max-width:710px}
.library-search-form label{font-size:14px;display:block;margin:24px 0 10px;font-weight:800}
.library-input-wrap{border:2px solid #b6cec6;background:#fff;border-radius:14px;display:flex;align-items:center;gap:12px;padding:0 17px}
.library-input-wrap:focus-within{border-color:var(--teal);box-shadow:0 0 0 3px #cdece4}
.library-input-wrap svg{flex-shrink:0;color:var(--teal)}
.library-input-wrap input{padding:17px 3px;border:0;outline:0;min-width:0;flex:1;font:inherit;font-size:16px;background:transparent;color:var(--ink)}
.library-input-wrap input::placeholder{color:#758b8c}
.search-hints{display:flex;gap:9px;flex-wrap:wrap;align-items:center;margin-top:16px}
.search-hints>span{font-size:12px;color:var(--muted)}
.suggestion{background:#e6f2ec;color:var(--teal2);border:0;border-radius:999px;padding:7px 11px;cursor:pointer;font-size:12px;font-weight:800}
.suggestion:hover{background:#d4e9df}
.search-privacy{font-size:12px;color:var(--muted);margin:21px 0 0}
.search-aside{background:var(--cream);border:1px solid var(--line);padding:28px;border-radius:var(--radius)}
.search-aside h3{margin:14px 0;font-size:24px}
.search-aside p{font-size:14px;color:var(--muted)}
.search-aside a{font-weight:800;font-size:13px;color:var(--teal);text-decoration:none}
.search-browser{margin-top:68px;padding-top:44px;border-top:1px solid var(--line)}
.search-section-top{display:flex;justify-content:space-between;align-items:end;gap:20px}
.search-section-top h2{margin:5px 0}
.library-count{font-size:13px;font-weight:750;color:var(--teal);white-space:nowrap;margin:0 0 8px}
.library-filters{display:flex;flex-wrap:wrap;gap:9px;margin:27px 0}
.library-filter{background:#fff;color:var(--ink2);border:1px solid #d5e1dc;border-radius:99px;padding:9px 13px;cursor:pointer;font-size:12px;font-weight:750}
.library-filter:hover{background:#eef6f1;border-color:#9bcdc0}
.library-filter[aria-pressed="true"]{background:var(--ink);color:white;border-color:var(--ink)}
.library-filter:focus-visible,.suggestion:focus-visible,.library-result a:focus-visible{outline:3px solid #a3d6c8;outline-offset:3px}
.library-results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.library-result{background:white;border:1px solid var(--line);padding:25px;border-radius:15px;min-width:0;transition:border-color .15s,transform .15s}
.library-result:hover{border-color:#b0ccc3;transform:translateY(-2px)}
.library-result h3{font-size:19px;letter-spacing:-.02em;margin:13px 0 10px}
.library-result h3 a{text-decoration:none;color:var(--ink)}
.library-result h3 a:hover{color:var(--teal)}
.library-result p{font-size:14px;color:var(--muted);margin:0}
.library-empty{grid-column:1/-1;background:var(--cream);border-radius:14px;padding:30px}
.library-empty p{margin:0;color:var(--muted)}
.search-more{display:flex;justify-content:center;margin-top:26px}
.search-more button[hidden]{display:none}
@media(max-width:960px){.search-workspace{grid-template-columns:1fr}.library-results{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.search-hero{padding-bottom:55px}.library-results{grid-template-columns:1fr}.search-section-top{display:block}.library-count{margin-top:10px}.search-aside{padding:22px}.search-browser{margin-top:43px;padding-top:31px}.library-input-wrap input{font-size:15px}}
@media(prefers-reduced-motion:reduce){.library-result{transition:none}.library-result:hover{transform:none}}


/* Statement Decoder 2.0 — 2026-10-27 */
.decoder-hero{background:linear-gradient(135deg,#f7f6f0 40%,#e8f1eb 100%)}.decoder-hero h1{max-width:860px}.decoder-warning{margin-top:29px;padding:16px 20px;border:1px solid #b3d2c7;border-left:4px solid var(--teal);background:#fffdf7;border-radius:11px;max-width:860px;color:#426160;font-size:14px}.decoder-warning strong{color:var(--ink)}
.decoder-metrics{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line);border-radius:18px;overflow:hidden}.decoder-metric{padding:27px 22px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:5px}.decoder-metric:last-child{border-right:0}.decoder-metric span{font-size:12px;font-weight:750;color:var(--muted)}.decoder-metric strong{font-size:clamp(24px,2.5vw,35px);letter-spacing:-.055em}.decoder-metric small{font-size:11px;color:var(--muted)}.decoder-metric.emphasis{background:#e8f4ef}
.decoder-layout{display:grid;grid-template-columns:minmax(0,1.36fr) minmax(290px,.78fr);gap:27px;align-items:start}.sample-statement{background:white;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:0 12px 34px #24442a0c}.sample-statement-head{padding:25px;display:flex;align-items:flex-start;gap:20px;justify-content:space-between;border-bottom:1px solid var(--line)}.sample-statement-head h3{margin:10px 0 4px}.sample-statement-head p{font-size:12px;color:var(--muted);margin:0}.statement-stamp{font-weight:900;letter-spacing:1px;border:2px solid #d9b47c;color:#8b6741;transform:rotate(-7deg);border-radius:5px;padding:6px 9px;font-size:12px}.sample-subtotals{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#e7efeb}.sample-subtotals>div{background:#fcfdfb;padding:15px 18px;min-width:0}.sample-subtotals span,.sample-subtotals strong{display:block}.sample-subtotals span{font-size:11px;color:var(--muted)}.sample-subtotals strong{font-size:16px}.sample-table-wrap{overflow-x:auto}.sample-fee-table{border-collapse:collapse;width:100%;font-size:14px;min-width:480px}.sample-fee-table th,.sample-fee-table td{padding:12px 22px;border-bottom:1px solid #e9efec;text-align:left}.sample-fee-table thead{background:#f6f9f7}.sample-fee-table th{font-size:12px;color:var(--muted)}.sample-fee-table td.money,.sample-fee-table tfoot td{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.sample-fee-table tbody tr.fee-in-category{background:#eff8f2}.sample-fee-table tbody tr.fee-active{background:#d5ede5}.sample-fee-table tfoot{background:#e6f1eb}.sample-fee-table tfoot th,.sample-fee-table tfoot td{font-size:15px;font-weight:850;color:var(--ink)}.fee-select{display:flex;align-items:center;text-align:left;gap:9px;background:none;border:0;font:inherit;cursor:pointer;color:var(--ink2);font-weight:700;padding:4px 0}.fee-select:hover{text-decoration:underline}.fee-select[aria-pressed="true"]{color:var(--teal2)}.fee-dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex:0 0 auto}.sample-statement .statement-footnote{font-size:11px;color:var(--muted);padding:16px 23px;line-height:1.5}.decoder-insight{background:#102830;color:#fff;position:sticky;top:116px;border-radius:18px;padding:29px;min-height:355px}.decoder-insight .mini-tag{color:#d6b68a}.decoder-insight h3{margin:16px 0 6px;font-size:24px;color:#fff}.decoder-insight-value{display:block;font-size:38px;letter-spacing:-.05em;color:#e9d3b1}.decoder-insight>p{color:#cfddda;font-size:14px;line-height:1.7}.decoder-question{padding:16px;border:1px solid #426563;background:#173b43;border-radius:12px;margin:22px 0}.decoder-question span{font-size:11px;letter-spacing:1px;font-weight:850;text-transform:uppercase;color:#d5b78b}.decoder-question p{font-size:14px;line-height:1.6;margin:8px 0 0;color:#e6efec}.decoder-insight>a{color:#dbe8e4;font-size:13px;font-weight:800}
.decoder-costs{background:#f8faf8;border:1px solid var(--line);border-radius:18px;padding:30px}.cost-graph{display:flex;height:74px;overflow:hidden;border-radius:12px;background:#e2e9e5}.cost-segment{padding:0;border:0;border-right:2px solid #fff;min-width:0;cursor:pointer;font-size:13px;font-weight:850;color:#fff;text-shadow:0 1px 2px #1225}.cost-segment:last-child{border:0}.cost-segment[aria-pressed="true"]{outline:4px solid #c4e5da;outline-offset:-4px}.cost-network{background:#13695e}.cost-processor{background:#418f7a}.cost-operations{background:#96764e}.cost-exceptions{background:#a45d4e}.cost-key{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:24px}.cost-key-item{display:flex;align-items:center;gap:10px;min-width:0;cursor:pointer;padding:15px;border:1px solid #d6e4de;border-radius:11px;background:white;text-align:left;font:inherit;font-size:13px;color:var(--ink2)}.cost-key-item span:nth-child(2){flex:1}.cost-key-item strong{white-space:nowrap}.cost-key-item[aria-pressed="true"]{border-color:var(--teal);box-shadow:0 0 0 2px #cbe9df}.cost-key-dot{display:inline-block;width:12px;height:12px;border-radius:4px;flex:0 0 auto}.decoder-selected-cost{margin-top:25px;padding-top:23px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:25px}.decoder-selected-cost h3{margin:8px 0 10px}.decoder-selected-cost p{font-size:14px;color:var(--muted);max-width:660px;margin:0}.cost-total{text-align:right;white-space:nowrap}.cost-total strong{display:block;font-size:31px;letter-spacing:-.05em}.cost-total span{font-size:12px;color:var(--muted)}.decoder-math-note{margin-top:25px;font-size:14px;padding:19px;border-left:4px solid #d3b184;background:var(--cream);border-radius:5px;color:#41575b}
.decoder-lesson{display:grid;grid-template-columns:285px minmax(0,1fr);border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.lesson-steps{background:#e4eee9;display:flex;flex-direction:column;padding:18px;gap:8px}.lesson-btn{border:1px solid transparent;background:transparent;text-align:left;display:flex;align-items:center;gap:14px;font-size:14px;font-weight:800;color:var(--ink2);padding:15px;border-radius:11px;cursor:pointer}.lesson-btn>span{font-size:12px;color:var(--teal)}.lesson-btn[aria-pressed="true"]{background:white;border-color:#b9d6cc;box-shadow:0 4px 12px #1b3d3614}.lesson-panel{padding:45px;display:flex;flex-direction:column;justify-content:center;min-height:310px}.lesson-panel h3{font-size:29px;margin:15px 0}.lesson-panel>p{font-size:16px;line-height:1.7;color:var(--muted)}.lesson-prompt{margin-top:12px;padding:17px 20px;background:#eff7f3;border-radius:11px}.lesson-prompt strong{font-size:13px;color:var(--teal2)}.lesson-prompt p{font-size:14px;margin:8px 0 0;color:#40595a}
.decoder-outcome{background:#eaf3ee;border-radius:20px;padding:38px;display:grid;grid-template-columns:minmax(0,1.4fr) minmax(220px,.6fr);gap:25px;align-items:center}.decoder-outcome h2{font-size:34px}.decoder-outcome-stat{border-left:1px solid #c3d9cf;padding-left:28px}.decoder-outcome-stat small,.decoder-outcome-stat span{display:block;color:var(--muted)}.decoder-outcome-stat strong{display:block;font-size:42px;letter-spacing:-.06em}.decoder-next{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.decoder-hub-feature{padding-bottom:0}.decoder-hub-panel{background:var(--ink);border-radius:20px;padding:45px;color:white;display:grid;grid-template-columns:1.45fr .55fr;gap:40px;align-items:center}.decoder-hub-panel h2{color:white;margin-top:14px}.decoder-hub-panel p{color:#c9dbd8}.decoder-hub-panel .btn-outline{color:white;border-color:#b2c7c1}.decoder-hub-math{text-align:center;border:1px solid #49716d;background:#183b40;padding:24px;border-radius:16px}.decoder-hub-math span,.decoder-hub-math small,.decoder-hub-math div,.decoder-hub-math b{display:block}.decoder-hub-math span{font-weight:900;color:#dab48a;letter-spacing:1px;font-size:11px}.decoder-hub-math strong{display:block;font-size:54px;letter-spacing:-.06em}.decoder-hub-math small,.decoder-hub-math div{font-size:12px;color:#bed0c9}.decoder-hub-math b{margin-top:14px;color:white}
.fee-finder{padding:24px;border-radius:15px;background:#eef5f1;border:1px solid #cfe2d9;margin-bottom:24px}.fee-finder-input label{display:block;font-size:14px;font-weight:800;margin-bottom:8px}.fee-finder-input input{width:100%;font:inherit;font-size:16px;padding:13px 15px;border:1px solid #b9cdc3;border-radius:10px;background:white;color:var(--ink)}.fee-finder fieldset{border:0;padding:14px 0 0;display:flex;flex-wrap:wrap;gap:8px}.fee-finder legend{font-size:12px;font-weight:850;color:var(--muted);padding-bottom:5px}.fee-chip{border:1px solid #b6cfc5;border-radius:999px;background:#fff;padding:8px 12px;cursor:pointer;color:var(--ink);font:inherit;font-size:12px;font-weight:760}.fee-chip[aria-pressed="true"]{background:var(--teal2);border-color:var(--teal2);color:#fff}.fee-finder p{font-size:12px;color:var(--muted);margin:11px 0 0}.card[data-fee-card][hidden]{display:none}
.fee-select:focus-visible,.cost-segment:focus-visible,.cost-key-item:focus-visible,.lesson-btn:focus-visible,.fee-chip:focus-visible,.fee-finder input:focus-visible{outline:3px solid #80bba9;outline-offset:3px}
@media(max-width:960px){.decoder-layout{grid-template-columns:1fr}.decoder-insight{position:static}.decoder-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}.decoder-metric:nth-child(2){border-right:0}.decoder-metric:nth-child(-n+2){border-bottom:1px solid var(--line)}.decoder-hub-panel{grid-template-columns:1fr}.decoder-lesson{grid-template-columns:1fr}.lesson-steps{flex-direction:row;overflow-x:auto}.lesson-btn{flex:1 0 180px}.decoder-outcome{grid-template-columns:1fr}.decoder-outcome-stat{border-left:0;border-top:1px solid #c3d9cf;padding-left:0;padding-top:15px}}
@media(max-width:640px){.decoder-metric{padding:20px 14px}.decoder-metric strong{font-size:24px}.decoder-metric small{font-size:10px}.sample-statement-head{padding:19px}.statement-stamp{font-size:9px}.sample-subtotals>div{padding:12px 8px}.sample-subtotals strong{font-size:13px}.sample-subtotals span{font-size:9px}.decoder-insight{padding:24px}.decoder-costs{padding:19px}.cost-graph{height:55px}.cost-segment{font-size:10px}.cost-key{grid-template-columns:1fr}.decoder-selected-cost{flex-direction:column;gap:15px}.cost-total{text-align:left}.lesson-panel{padding:25px}.lesson-panel h3{font-size:24px}.decoder-outcome{padding:25px}.decoder-hub-panel{padding:28px}.decoder-hub-math strong{font-size:45px}.fee-finder{padding:18px}}
@media print{.site-header,.site-footer,.decoder-next,.lesson-steps,.hero-actions{display:none!important}.decoder-layout,.decoder-outcome,.decoder-hub-panel{display:block}.decoder-insight{background:#fff;color:#111}.decoder-insight>p{color:#111}.decoder-hero{padding:30px 0}.sample-statement{break-inside:avoid}.section{padding:25px 0}}

/* Merchant FAQ, deposit reconciliation, and fee glossary expansion */
.question-jump{display:flex;gap:10px;flex-wrap:wrap;background:var(--cream);border:1px solid var(--line);padding:20px;border-radius:15px}.question-jump a{padding:9px 13px;border-radius:8px;background:white;color:var(--teal2);font-weight:800;text-decoration:none;font-size:13px}.question-jump a:hover{text-decoration:underline}.question-group{max-width:850px;padding:53px 0 0;scroll-margin-top:110px}.question-group h2{margin-top:12px}.question-group .faq details{background:#fff}.question-group .faq p{font-size:15px;color:var(--muted);line-height:1.65}.question-group .faq a{font-weight:800;color:var(--teal)}.recon-math{background:#edf5f1;padding:20px 24px;border:1px solid #c6dcd1;border-radius:13px;margin:26px 0}.recon-math>div{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid #d3e2da}.recon-math>div:last-child{border:0}.recon-math span{font-size:15px}.recon-math strong{font-variant-numeric:tabular-nums;white-space:nowrap}.recon-math .recon-total{font-size:19px;color:var(--teal2)}.merchant-next-links{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 24px}.merchant-next-links a{display:inline-block;padding:10px 13px;background:white;border:1px solid #c5ded4;border-radius:9px;color:var(--teal2);font-weight:800;font-size:13px;text-decoration:none}.merchant-next-links a:hover{background:#eaf4ef}.statement-next-section .card{border-color:#c5dad0}.fee-finder p{font-variant-numeric:tabular-nums}
@media(max-width:640px){.recon-math{padding:15px}.recon-math span{font-size:13px}.recon-math strong{font-size:14px}.question-group{padding-top:40px}}