/* NovaKredit editorial pages: local ownership in content/ */
.breadcrumbs{display:flex;flex-wrap:wrap;gap:9px;font-size:12px;color:var(--muted);padding-top:28px}.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}
.editorial-head{padding:35px 0 29px;max-width:1000px}.editorial-head .overline{margin-bottom:15px}.editorial-head h1{font-size:clamp(35px,4.1vw,58px);max-width:1000px;line-height:1.12}.editorial-head .lead{font-size:18px;line-height:1.7;color:var(--muted);margin-top:22px;max-width:850px}.article-meta{display:flex;gap:22px;flex-wrap:wrap;color:var(--muted);font-size:11px;margin-top:22px}
.cover img{width:100%;height:290px;object-fit:cover;display:block;border-radius:13px}.cover figcaption{font-size:10px;color:var(--muted);margin-top:9px}
.reading-layout{display:grid;grid-template-columns:230px minmax(0,760px);gap:70px;padding:47px 0 80px;align-items:start}.reading-nav{position:sticky;top:24px;padding-right:10px}.reading-nav strong{font-size:12px;font-weight:650}.reading-nav a{display:block;font-size:12px;color:var(--muted);text-decoration:none;margin-top:14px;line-height:1.6}.reading-nav a:hover{color:var(--blue)}.prose{min-width:0;font-size:16px;line-height:1.85}.prose p{margin:14px 0}.prose h2{font-size:31px;line-height:1.22;margin:45px 0 17px;scroll-margin-top:25px;max-width:720px}.prose h2:first-child{margin-top:0}.prose h3{font-size:20px;margin:25px 0 10px}.prose ul,.prose ol{padding-left:22px;margin:15px 0}.prose li{padding-left:4px;margin:8px 0}.prose a{color:var(--blue)}.prose strong{font-weight:650}.notice{border-left:3px solid #82a8e8;background:var(--pale);padding:20px 25px;margin:26px 0;border-radius:0 7px 7px 0}.notice p{margin:7px 0 0}.notice strong{font-size:15px}.notice p,.notice li{font-size:14px;line-height:1.8}.takeaway{font-size:20px;line-height:1.65;margin:0 0 29px!important;padding-bottom:29px;border-bottom:1px solid var(--line)}
.fact-flow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid #ccdaee;background:#f6f9ff;border-radius:7px;margin:25px 0}.fact-flow div{padding:22px 18px}.fact-flow div+div{border-left:1px solid #ccdaee}.fact-flow b{display:block;font-size:15px}.fact-flow span{display:block;margin-top:9px;font-size:12px;line-height:1.6;color:var(--muted)}.flow-icon{width:30px;height:30px;color:var(--blue);margin-bottom:15px;display:block}.flow-icon svg{width:100%;height:100%;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.prep-list{list-style:none!important;padding:0!important;border-top:1px solid var(--line);margin-top:23px!important}.prep-list li{margin:0;padding:0;border-bottom:1px solid var(--line)}.prep-list label{display:flex;align-items:start;gap:13px;padding:16px 0;cursor:pointer;font-size:14px;line-height:1.7}.prep-list input{margin-top:5px;width:18px;height:18px;flex:none;accent-color:var(--blue)}.quiet{font-size:12px;color:var(--muted);line-height:1.75}.source-list{font-size:12px;line-height:1.8;padding-top:25px;margin-top:37px;border-top:1px solid var(--line)}.source-list h2{font-size:22px;margin:0 0 14px}.source-list ol{padding-left:18px}.source-list p{color:var(--muted)}.article-cta{background:#edf3fd;border:1px solid #d7e4f6;border-radius:13px;padding:30px;margin-top:36px}.article-cta h2{margin:0 0 12px;font-size:29px}.article-cta p{font-size:14px;line-height:1.8}.article-cta .button{margin-top:10px;color:#fff}.related{border-top:1px solid var(--line);padding:30px 0 0;margin-top:35px}.related h2{font-size:23px;margin:0 0 18px}.related a{display:block;font-size:15px;line-height:1.6;margin:12px 0;text-decoration:none}.related a:hover{text-decoration:underline}
.table-wrap{overflow-x:auto;margin:25px 0;border:1px solid var(--line);border-radius:7px}.comparison{border-collapse:collapse;width:100%;font-size:13px;line-height:1.65;text-align:left;min-width:490px}.comparison th{background:var(--pale);font-weight:650;color:var(--ink)}.comparison th,.comparison td{padding:15px 17px;border-bottom:1px solid var(--line);vertical-align:top}.comparison tr:last-child td{border:0}.comparison td:first-child{font-weight:600;width:34%}.comparison caption{text-align:left;padding:14px 17px;color:var(--muted);font-size:12px;background:#fff}
.service-head{display:grid;grid-template-columns:1.1fr .9fr;gap:65px;align-items:center;padding:42px 0 43px}.service-head h1{font-size:clamp(37px,4vw,58px)}.service-head .lead{color:var(--muted);margin:22px 0;font-size:17px;line-height:1.8}.service-head .button{margin-top:5px}.service-diagram{background:#f2f6fc;border:1px solid #dce6f5;border-radius:13px;padding:31px}.service-diagram>p{font-size:12px;color:var(--muted);margin-bottom:20px}.service-diagram .diagram-title{font-size:23px;color:var(--ink);font-weight:600;line-height:1.4;margin-bottom:24px}.diagram-row{display:flex;gap:17px;align-items:start;border-top:1px solid #cedcee;padding:18px 0;font-size:13px}.diagram-row:last-child{padding-bottom:0}.diagram-row .flow-icon{flex:none;margin:0}.diagram-row b{display:block;font-size:14px;margin-bottom:4px}.diagram-row span{color:var(--muted)}.service-body .reading-layout{border-top:1px solid var(--line)}
@media(max-width:1000px){.reading-layout{grid-template-columns:180px minmax(0,1fr);gap:35px}.service-head{gap:30px}.editorial-head h1{font-size:46px}}
@media(max-width:800px){.reading-layout{grid-template-columns:1fr;gap:30px;padding-top:30px}.reading-nav{position:static;display:flex;gap:9px 20px;flex-wrap:wrap;padding:0 0 21px;border-bottom:1px solid var(--line)}.reading-nav strong{width:100%}.reading-nav a{margin:0;font-size:11px}.cover img{height:250px}.service-head{grid-template-columns:1fr}.service-head .lead{max-width:650px}.service-diagram{padding:25px}.editorial-head{padding-top:29px}.editorial-head h1{font-size:40px}.editorial-head .lead{font-size:16px}.prose{font-size:15px}.prose h2{font-size:29px}.article-cta{padding:25px}.breadcrumbs{padding-top:20px}}
@media(max-width:520px){.editorial-head h1{font-size:34px}.editorial-head .lead{font-size:15px}.cover img{height:200px;object-position:center}.article-meta{gap:9px 16px;font-size:10px}.reading-layout{padding-bottom:48px}.prose{font-size:15px;line-height:1.8}.prose h2{font-size:27px;margin-top:35px}.takeaway{font-size:18px}.notice{padding:18px}.fact-flow{grid-template-columns:1fr}.fact-flow div{display:grid;grid-template-columns:30px 1fr;gap:0 14px;padding:18px}.fact-flow div+div{border-left:0;border-top:1px solid #ccdaee}.fact-flow .flow-icon{grid-row:span 2;margin:0}.fact-flow span{margin-top:5px}.service-head{padding-top:30px;gap:25px}.service-head h1{font-size:36px}.service-head .lead{font-size:15px}.article-cta .button{white-space:normal;text-align:center}.source-list{overflow-wrap:anywhere}.table-wrap{margin-inline:0}.service-diagram .diagram-title{font-size:21px}}
@media print{.site-header,.site-footer,.reading-nav,.article-cta,.related{display:none}.container{width:100%}.reading-layout{display:block;padding:20px 0}.cover img{height:150px}.editorial-head h1{font-size:30px}.prose{font-size:11pt}.prose h2{font-size:18pt;break-after:avoid}.notice,.fact-flow{break-inside:avoid}}


.external-icon{display:inline-block;vertical-align:-.17em;margin-left:.25em;flex:none;width:16px;height:16px}