/* Equal-sized cards keep nine subjects easy to scan, with individual compositions. */
.expertise-gallery {
  --expertise-gap: 24px;
  background: linear-gradient(180deg,#f6f8fc,#f6f8fc 84%,#fff);
  overflow: clip;
  scroll-margin-top: 104px;
}
.expertise-gallery .expertise-layout { padding-top: 96px; padding-bottom: 100px; }
.expertise-gallery-heading { display: flex; justify-content: space-between; align-items: flex-end; gap: 32px; margin-bottom: 48px; }
.expertise-gallery-heading h2 span { color: var(--blue); display: block; }
.expertise-gallery-heading > p { color: #63758e; font-size: 15px; line-height: 1.9; padding-bottom: 5px; }
.expertise-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); grid-auto-rows: clamp(340px,28vw,380px); gap: var(--expertise-gap); }
.expertise-card { min-width: 0; position: relative; scroll-margin-top: 115px; }
.expertise-card.reveal:nth-child(3n + 2) { transition-delay: .1s; }
.expertise-card.reveal:nth-child(3n) { transition-delay: .2s; }
@media (max-width: 760px) {
 .expertise-card.reveal:nth-child(n) { transition-delay: 0s; }
 .expertise-card.reveal:nth-child(2n) { transition-delay: .1s; }
}
.expertise-panel { height: 100%; position: relative; isolation: isolate; overflow: clip; padding: 26px; border: 0; border-radius: 20px; color: #193f74; background: #eaf2fc; }
.expertise-card-heading, .expertise-card-copy { position: relative; z-index: 2; }
.expertise-card-heading h3 { font-size: 23px; font-weight: 400; line-height: 1.45; letter-spacing: -.025em; text-wrap: balance; }
.expertise-card-copy { max-width: 275px; margin-top: 9px; }
.expertise-card-copy > p { font-size: 14px; line-height: 1.8; color: #566f91; }
.expertise-illustration { position: absolute; z-index: 1; pointer-events: none; }
.expertise-background { width: 100%; height: 100%; object-fit: contain; }
.expertise-foreground { position: absolute; width: 32%; height: auto; object-fit: contain; }
.expertise-card-trigger { position: absolute; z-index: 4; inset: 0; display: block; width: 100%; height: 100%; margin: 0; padding: 0; border: 0; border-radius: inherit; background: transparent; cursor: pointer; }
.expertise-more { position: absolute; right: 20px; bottom: 20px; display: inline-flex; align-items: center; justify-content: center; gap: 0; width: 34px; height: 34px; padding: 0; border: 0; border-radius: 999px; background: #fff; color: #416da7; font-size: 12px; box-shadow: none; pointer-events: none; transition: background .2s,transform .2s; }
.expertise-more .lucide { width: 16px; height: 16px; stroke-width: 1.6; }
.expertise-card-trigger:hover .expertise-more { background: #eaf3ff; }
.expertise-card-trigger:focus-visible { outline: 2px solid #1760ef; outline-offset: -5px; }

.expertise-card--payment .expertise-panel { background: radial-gradient(ellipse at 92% 82%,#508bee 0%,transparent 67%),linear-gradient(135deg,#2f61c9,#2555bc); color: #fff; }
.expertise-card--payment .expertise-panel { text-align: center; }
.expertise-card--payment .expertise-card-copy { margin-inline: auto; }
.expertise-card--payment .expertise-card-copy > p { color: #d4e1f7; }
.expertise-card--payment .expertise-illustration { width: 74%; height: 53%; right: 13%; bottom: 29px; }
.expertise-card--payment .expertise-card-trigger:focus-visible, .expertise-card--research .expertise-card-trigger:focus-visible, .expertise-card--disputes .expertise-card-trigger:focus-visible { outline-color: #fff; }

.expertise-card--schedule .expertise-panel { background: linear-gradient(140deg,#f0f6fe,#e2edf9); }
.expertise-card--schedule .expertise-illustration { width: 82%; height: 59%; right: -14%; bottom: 22px; }

/* A soft abstract field occupies the lower half without crossing the text. */
.expertise-card--procurement .expertise-panel { background: linear-gradient(130deg,#e6f0fe,#d4e5fc); }
.expertise-abstract-field { position: absolute; inset: 43% 0 0; z-index: 0; pointer-events: none; overflow: hidden; border-radius: inherit; }
.expertise-abstract-field span { position: absolute; width: 100%; height: 92%; border-radius: 50%; background: linear-gradient(145deg,#e8f4ff 3%,#98bdf5 40%,#5488d5 72%,#91b9f0); box-shadow: inset 0 4px 20px #f1f8ff99,inset -13px -14px 26px #315eac22; filter: blur(3px); }
.expertise-abstract-field span:nth-child(1) { right: -42%; bottom: -34%; transform: rotate(-46deg); opacity: .8; }
.expertise-abstract-field span:nth-child(2) { right: -17%; bottom: -38%; transform: rotate(-46deg); opacity: .65; }
.expertise-abstract-field span:nth-child(3) { right: -69%; bottom: -2%; transform: rotate(-46deg); opacity: .48; filter: blur(8px); }

.expertise-card--research .expertise-panel { background: radial-gradient(ellipse at 50% 65%,#366ec3,#214b91 78%); color: #fff; text-align: center; }
.expertise-card--research .expertise-card-copy { margin: 0 auto; max-width: 230px; }
.expertise-card--research .expertise-card-copy > p { color: #c9ddfa; }
/* Deep blue metal and clear glass sit beneath undistorted live text. */
.expertise-magnifier { position: absolute; z-index: 1; top: 72px; left: 50%; width: min(82%,252px); aspect-ratio: 2 / 3; transform: translateX(-50%); pointer-events: none; }
.expertise-magnifier-image { position: relative; z-index: 1; display: block; width: 100%; height: auto; }
.expertise-magnifier-lens { position: absolute; z-index: 2; top: 27.7%; left: 50%; width: 68%; transform: translate(-50%,-50%); text-align: center; }
.expertise-magnifier-lens h3 { color: #fff; font-size: 25px; line-height: 1.6; text-shadow: 0 1px 3px #0e326e80; }
.expertise-magnifier-lens h3 span { color: #f4f8ff; }

/* The architectural card reverses the image and text rhythm. */
.expertise-card--design { z-index: 1; }
.expertise-card--design .expertise-panel { display: flex; flex-direction: column; justify-content: flex-start; align-items: flex-end; overflow: visible; text-align: right; background: radial-gradient(ellipse at 10% 12%,#f6faff,#d8e9fa 68%,#cddff3); }
.expertise-card--design .expertise-illustration { width: 76%; height: auto; aspect-ratio: 1; bottom: -2px; left: -28px; }
.expertise-card--design .expertise-card-heading { max-width: 56%; }
.expertise-card--design .expertise-card-copy { max-width: 36%; }
.expertise-card--design .expertise-card-copy > p { color: #526d8d; }

/* Paper typography and a signature provide a change from the object illustrations. */
.expertise-card--contract .expertise-panel { overflow: visible; text-align: center; background: linear-gradient(130deg,#fff,#f9fcff); }
.expertise-card--contract .expertise-more { background: #edf4ff; }
.expertise-card--contract .expertise-card-heading h3 { color: #536e91; font-size: 15px; }
.expertise-card--contract .expertise-card-heading h3 br { display: none; }
.expertise-card--contract .expertise-card-copy { margin: 19px auto 0; }
.expertise-card--contract .expertise-card-copy > p { color: #637995; }
.expertise-contract-lead { display: block; margin-bottom: 11px; font-size: 25px; font-weight: 400; line-height: 1.5; color: #215baf; }
.expertise-contract-lead mark { color: inherit; background: linear-gradient(transparent 57%,#d8eaff 57%,#d8eaff 94%,transparent 94%); box-decoration-break: clone; -webkit-box-decoration-break: clone; padding-inline: 2px; }
.expertise-contract-rules { position: absolute; left: 44%; bottom: 58px; transform: translateX(-50%); color: #6e95c6; }
.expertise-contract-rules span { display: none; }
.expertise-contract-rules svg { display: block; width: 95px; height: 31px; }
/* The generated lacquer-and-silver pen crosses the card edge toward the signature. */
.expertise-pen { position: absolute; z-index: 3; width: 170px; aspect-ratio: 2 / 3; bottom: 41px; right: -41px; pointer-events: none; }
.expertise-pen img { display: block; width: 100%; height: auto; }

/* Simple upright composition: avatar, title and copy on the blue surface. */
.expertise-card--responsibility .expertise-panel { background: radial-gradient(ellipse at 95% 95%,#d2e7ff,transparent 64%),linear-gradient(145deg,#a7c9f4,#93b9ed); color: #123f78; }
.expertise-card--responsibility .expertise-illustration { width: 72%; height: 46%; right: -13%; bottom: 0; opacity: .9; }
.expertise-responsibility-copy { position: relative; z-index: 2; }
.expertise-person-avatar { display: block; position: relative; width: 31px; height: 31px; margin-bottom: 14px; overflow: hidden; border-radius: 50%; background: #e0edff; }
.expertise-person-avatar::before { content: ''; position: absolute; width: 9px; height: 9px; border-radius: 50%; background: #75a0dc; left: 11px; top: 5px; }
.expertise-person-avatar::after { content: ''; position: absolute; width: 22px; height: 17px; border-radius: 50% 50% 0 0; background: #75a0dc; left: 4px; top: 17px; }
.expertise-card--responsibility .expertise-card-copy > p { color: #345a8a; }

.expertise-card--bidding .expertise-panel { background: linear-gradient(145deg,#dceafa,#c7ddf6); }
.expertise-card--bidding .expertise-card-copy > p { color: #526c8b; }
.expertise-card--bidding .expertise-illustration { width: 76%; height: 54%; right: -4%; bottom: 25px; transform: rotate(-12deg); }
.expertise-card--disputes .expertise-panel { display: flex; flex-direction: column; justify-content: flex-end; align-items: center; padding-bottom: 74px; text-align: center; background: radial-gradient(ellipse at 70% 115%,#689aed,transparent 65%),linear-gradient(145deg,#396dcc,#2c59b1); color: #fff; }
.expertise-card--disputes .expertise-card-copy > p { color: #d6e4f8; }
.expertise-card--disputes .expertise-illustration { width: 63%; height: 43%; right: 18.5%; top: 10px; }

/* Keep the original article dialogs and their readable type. */
.expertise-dialog { --feature-accent: var(--blue); --article-paper: #edf4ff; --article-ink: #193f74; --article-copy: #526276; --article-emphasis: #174d9c; --article-title-size: 32px; --article-section-size: 28px; --article-subtitle-size: 22px; --article-body-size: 15px; --article-lead-size: 17px; --article-quote-size: 21px; }
.expertise-dialog .article-emphasis { color: var(--article-emphasis); font-weight: 500; }
.expertise-dialog .opening-feature-content { padding-top: 72px; }
.expertise-dialog .opening-feature-content h2 { font-size: var(--article-title-size); font-weight: 500; }
.expertise-dialog .opening-feature-content:not(.payment-story):not(.schedule-story) h3 { margin-top: 42px; padding-top: 0; border: 0; font-size: var(--article-section-size); font-weight: 500; }
.expertise-dialog .opening-feature-content:not(.payment-story):not(.schedule-story) p { max-width: 640px; font-size: var(--article-body-size); line-height: 1.9; }
.expertise-dialog .opening-feature-content:not(.payment-story):not(.schedule-story) .opening-feature-lead { margin-bottom: 38px; font-size: var(--article-lead-size); }
.expertise-dialog .opening-feature-content:not(.payment-story):not(.schedule-story) .opening-feature-quote p { max-width: 600px; font-size: var(--article-quote-size); line-height: 1.75; }
.expertise-dialog .opening-feature-content li { font-size: 15px; line-height: 1.9; }
.expertise-article-sources { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 16px; margin-top: 26px; color: #687b94; font-size: 12px; line-height: 1.8; }
.expertise-article-sources a { display: inline-flex; align-items: center; gap: 4px; color: #356ba8; text-decoration: underline; text-underline-offset: 3px; }
.expertise-article-sources .lucide { width: 13px; height: 13px; }

/* Full-width chapters give the payment article its own visual rhythm. */
.payment-story-dialog { width: min(920px,calc(100vw - 40px)); background: #f5f9fe; }
.expertise-dialog.payment-story-dialog .payment-story { padding: 0; background: none; }
.payment-story-body { padding: 0; }
.payment-opening-heading { position: relative; z-index: 3; max-width: 52%; margin-bottom: 0; }
.payment-opening-heading .opening-feature-kicker { margin-bottom: 13px; color: #718baa; font-size: 13px; letter-spacing: .1em; }
.payment-story .payment-opening-heading h2 { margin: 0 0 17px; color: var(--article-ink); font-size: var(--article-title-size); font-weight: 500; line-height: 1.5; }
.payment-story .payment-opening-heading > p { max-width: 350px; margin: 0; color: #445871; font-size: var(--article-lead-size); line-height: 1.9; }
.payment-chapter { --payment-paper: #f8fbff; --payment-title: var(--article-ink); --payment-copy: var(--article-copy); --payment-note: #7187a2; background: var(--payment-paper); }
.payment-scene { position: relative; isolation: isolate; padding: 48px 48px 36px; overflow: hidden; }
.payment-story-dialog .payment-story h3 { border: 0; padding: 0; }
.payment-story-dialog .payment-story h3::before, .payment-story-dialog .payment-story h3::after { content: none; }
.payment-chapter-intro { position: relative; z-index: 3; max-width: 750px; }
.payment-chapter-number { display: block; margin-bottom: 17px; color: var(--payment-note); font-size: 11px; letter-spacing: .14em; }
.payment-story .payment-chapter-intro h3 { margin: 0; color: var(--payment-title); font-size: var(--article-section-size); font-weight: 500; line-height: 1.5; letter-spacing: -.025em; }
.payment-story .payment-chapter-deck { max-width: 620px; margin: 19px 0 0; color: var(--payment-copy); font-size: var(--article-body-size); line-height: 1.9; }
.payment-body-art { display: block; width: 100%; min-width: 0; object-fit: contain; pointer-events: none; }
.payment-scene-background { position: absolute; z-index: 0; inset: 0; display: block; width: 100%; max-width: none; height: 100%; object-fit: cover; pointer-events: none; }
.payment-chapter-reading { position: relative; max-width: 816px; margin-inline: auto; padding: 0 48px 56px; }
.payment-story .payment-reading-lead { max-width: 640px; margin: 0; color: var(--payment-copy); font-size: var(--article-body-size); line-height: 1.9; }
.payment-chapter-copy { max-width: 720px; margin-top: 21px; }
.payment-story .payment-chapter-copy .payment-reading-heading { max-width: 640px; margin: 42px 0 18px; color: var(--payment-title); font-size: var(--article-section-size); font-weight: 500; line-height: 1.5; }
.payment-story .payment-chapter-copy > p { max-width: 640px; margin: 0; color: var(--payment-copy); font-size: var(--article-body-size); line-height: 1.9; }
.payment-story .payment-chapter-copy > p + p { margin-top: 21px; }
.payment-source-notes { max-width: 720px; margin-top: 27px; }
.payment-source-notes > summary { display: flex; align-items: center; gap: 8px; width: fit-content; color: var(--payment-note); font-size: 12px; line-height: 1.8; cursor: pointer; list-style: none; }
.payment-source-notes > summary::-webkit-details-marker { display: none; }
.payment-source-notes > summary .lucide { width: 13px; height: 13px; }
.payment-source-notes > summary .lucide:last-child { width: 11px; height: 11px; margin-left: 4px; }
.payment-source-notes[open] > summary .lucide:last-child { transform: rotate(180deg); }
.payment-source-body { padding-top: 15px; }
.payment-story .payment-source-notes p { max-width: none; margin: 0; color: var(--payment-note); font-size: 12px; line-height: 1.9; overflow-wrap: anywhere; }
.payment-story .payment-source-notes p + p { margin-top: 12px; }
.payment-source-notes a { display: inline; color: #4875ab; text-decoration: underline; text-underline-offset: 3px; margin-right: 7px; }
.payment-source-notes a .lucide { display: inline; vertical-align: -.15em; width: 11px; height: 11px; margin-left: 2px; }

/* Continuous opening artwork; the photographic interlude gives the article a quieter change of register. */
.payment-chapter--problems { --payment-paper: #cfe4fa; background: var(--payment-paper); }
.payment-scene--problems { min-height: 360px; padding-top: 52px; padding-bottom: 50px; }
.payment-scene--problems::after { content: ""; position: absolute; z-index: 2; inset: 0; pointer-events: none; background: linear-gradient(90deg,#cfe4faa6 0%,#cfe4fac9 37%,#cfe4fa00 65%); }
.payment-scene--problems .payment-scene-background { inset: auto 0 0 auto; width: 64%; height: auto; object-fit: contain; object-position: right bottom; mask-image: linear-gradient(180deg,transparent,#000 20%),linear-gradient(90deg,transparent,#000 18%); mask-composite: intersect; }
.payment-editorial-photo { margin: 0; padding: 0; background: #fff; }
.payment-editorial-photo img { width: 100%; height: 400px; object-fit: cover; }
.payment-editorial-photo figcaption { display: flex; justify-content: space-between; gap: 18px; padding-top: 12px; color: #5775a0; font-size: 11px; line-height: 1.7; }
.payment-editorial-photo small { color: #758caa; font-size: 10px; }
.payment-editorial-photo--discussion { background: #edf4ff; }
.payment-editorial-photo--discussion img { height: 370px; }
.payment-editorial-photo--site { padding: 0; background: #edf4ff; }
.payment-editorial-photo--site img { height: 260px; object-position: center 52%; }
.payment-editorial-photo--site figcaption { padding: 12px 48px 19px; }


.payment-chapter--accounts { --payment-paper: #fff; }
.payment-scene--accounts { min-height: 0; }
.payment-comparison { position: relative; display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); column-gap: 68px; row-gap: 21px; max-width: 780px; margin: 32px 0 0; }
.payment-comparison-before, .payment-comparison-after { min-width: 0; padding: 0; background: none; }
.payment-comparison-label { color: #617f9f; font-size: 12px; line-height: 1.7; }
.payment-form-stack { position: relative; width: 100%; height: 228px; margin: 18px 0 10px; }
.payment-estimate-form { position: absolute; width: 84%; height: 165px; left: 5%; top: 7px; padding: 17px 15px; background: #fff; border: 1px solid #dce5f0; border-radius: 3px; box-shadow: 2px 3px 0 #dde5ef,5px 9px 18px #3f639814; transform: rotate(-10deg); }
.payment-estimate-form:nth-child(2) { transform: rotate(8deg); top: 24px; left: 13%; }
.payment-estimate-form:nth-child(3) { transform: rotate(-4deg); top: 43px; left: 0; }
.payment-estimate-form strong { display: block; color: #7189a7; font-size: 11px; font-weight: 400; margin-bottom: 12px; }
.payment-estimate-form > span { display: flex; justify-content: space-between; gap: 10px; font-size: 8px; color: #91a4bd; margin-bottom: 7px; }
.payment-estimate-form > i { display: block; height: 17px; border-top: 1px solid #e1e8f1; background: linear-gradient(90deg,transparent 62%,#e1e8f1 62%,#e1e8f1 calc(62% + 1px),transparent calc(62% + 1px)); }
.payment-estimate-form svg { position: absolute; inset: 41px 10px 7px; width: calc(100% - 20px); height: calc(100% - 48px); color: #7898c1; opacity: .8; }
.payment-settlement-sheet { position: relative; margin: 16px 0 16px; padding: 18px 21px; width: 100%; border: 1px solid #dbe7f5; border-radius: 4px; background: #f6faff; box-shadow: 3px 4px 0 #d3e3f5,6px 11px 20px #456c9910; }
.payment-settlement-sheet > strong { display: block; color: #4773a8; font-size: 16px; font-weight: 400; padding-bottom: 12px; }
.payment-settlement-sheet > span, .payment-settlement-sheet > b { display: block; font-size: 12px; color: #627f9e; font-weight: 400; padding: 8px 0; border-top: 1px solid #e0eaf6; }
.payment-settlement-sheet small { display: block; color: #8399b3; font-size: 9px; margin-top: 3px; }
.payment-settlement-sheet > b { color: #3c6da9; background: #eaf2fd; margin: 5px -7px 0; padding: 8px 7px; border: 0; border-radius: 3px; }
.payment-story .payment-comparison p { color: var(--article-copy); font-size: var(--article-body-size); line-height: 1.9; margin: 0; }
.payment-comparison-flow { display: none; }
.payment-comparison figcaption { grid-column: 1 / -1; color: #8497ae; font-size: 10px; line-height: 1.85; }

.payment-chapter--evidence { --payment-paper: #edf4ff; }
.payment-scene--evidence { padding-top: 54px; padding-bottom: 34px; }
.payment-evidence-content { position: relative; max-width: 750px; margin-top: 30px; }
.payment-evidence-label { color: #728ca9; font-size: 11px; margin-bottom: 13px; }
.payment-evidence-content table { border-collapse: collapse; width: 100%; text-align: left; font-size: 14px; color: #577596; }
.payment-evidence-content th, .payment-evidence-content td { padding: 15px 13px; border-bottom: 1px solid #dce7f3; font-weight: 400; line-height: 1.8; }
.payment-evidence-content thead th { background: #eaf2fc; color: #426b9b; font-size: 12px; }
.payment-evidence-content th:first-child { width: 26%; }
.payment-evidence-content tr:last-child > * { border-bottom: 0; }

/* Legal requirements: a quiet reading chapter with one useful deadline diagram. */
.payment-chapter--legal { --payment-paper: #fff; }
.payment-legal-heading { max-width: 816px; margin-inline: auto; padding: 55px 48px 24px; }
.payment-deadline-figure { display: grid; grid-template-columns: 140px minmax(0,1fr); column-gap: 30px; align-items: center; margin: 34px 0 46px; padding: 28px 30px 20px; background: linear-gradient(115deg,#edf4ff,#f7faff); border-radius: 18px; }
.payment-deadline-summary > span { color: #5a76a0; font-size: 11px; }
.payment-deadline-summary > strong { display: block; margin: 5px 0 8px; color: var(--blue); font-size: 55px; font-weight: 500; line-height: 1; letter-spacing: -.035em; }
.payment-deadline-summary > strong small { margin-left: 8px; font-size: 17px; letter-spacing: 0; }
.payment-story .payment-deadline-summary p { margin: 0; color: #42638c; font-size: 12px; line-height: 1.7; }
.payment-deadline-check { margin-bottom: 16px; color: #55749d; font-size: 12px; line-height: 1.8; }
.payment-deadline-line { position: relative; height: 3px; margin-inline: 4px; background: linear-gradient(90deg,var(--blue),#a1c3ff); }
.payment-deadline-line::before, .payment-deadline-line::after { content: ''; position: absolute; top: -3px; width: 9px; height: 9px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 5px #d9e7ff; }
.payment-deadline-line::before { left: -4px; }
.payment-deadline-line::after { right: -4px; background: #7baaff; box-shadow: 0 0 0 5px #e5eeff; }
.payment-deadline-points { display: flex; justify-content: space-between; gap: 12px; margin-top: 15px; }
.payment-deadline-points > span:last-child { text-align: right; }
.payment-deadline-points b { display: block; color: #285997; font-size: 13px; font-weight: 500; }
.payment-deadline-points small { display: block; margin-top: 6px; color: #607da6; font-size: 11px; }
.payment-deadline-figure figcaption { grid-column: 1 / -1; margin-top: 22px; color: #7086a4; font-size: 11px; line-height: 1.8; }
.payment-legal-overview { padding-bottom: 0; }
.payment-legal-reading { padding-bottom: 46px; }
.payment-editorial-photo--contract + .payment-legal-reading { padding-top: 48px; }
.payment-legal-notes .payment-source-notes { margin-top: 0; }
.payment-story .payment-legal-topic h3, .payment-story .payment-cost-action h3 { max-width: 640px; margin: 0 0 20px; color: var(--payment-title); font-size: var(--article-section-size); font-weight: 500; line-height: 1.5; }
.payment-legal-rule { max-width: 640px; }
.payment-story .payment-legal-rule > p { margin: 0; color: #285997; font-size: var(--article-body-size); line-height: 1.9; }
.payment-legal-links { display: flex; flex-wrap: wrap; gap: 6px 14px; max-width: 640px; margin-top: 12px; }
.payment-legal-links a { display: inline; color: #6b82a3; font-size: 11px; line-height: 1.8; text-decoration: underline; text-underline-offset: 3px; }
.payment-legal-links .lucide { display: inline; width: 11px; height: 11px; vertical-align: -.15em; margin-left: 3px; }
.payment-legal-topic .payment-chapter-copy { margin-top: 20px; }
.payment-cost-action { margin-top: 46px; }
.payment-cost-action .payment-chapter-copy { margin-top: 0; }
@media (max-width: 760px) {
  .payment-legal-heading { padding: 42px 26px 22px; }
  .payment-deadline-figure { grid-template-columns: 1fr; gap: 24px; padding: 24px 22px 20px; margin: 28px 0 36px; }
  .payment-deadline-summary { display: grid; grid-template-columns: 1fr 1fr; align-items: center; }
  .payment-deadline-summary > span { grid-column: 1 / -1; margin-bottom: 8px; }
  .payment-deadline-summary > strong { margin: 0; font-size: 50px; }
  .payment-deadline-figure figcaption { margin-top: 0; }
  .payment-editorial-photo--contract + .payment-legal-reading { padding-top: 38px; }
  .payment-deadline-points b { font-size: 12px; }
  .payment-deadline-points small { font-size: 10px; }
}

.payment-chapter--routes { --payment-paper: #1b59b1; --payment-title: #fff; --payment-copy: #c8daf5; --payment-note: #aecbf2; --article-emphasis: #fff; }
.payment-scene--routes { display: block; min-height: 420px; padding-top: 68px; padding-bottom: 50px; }
.payment-scene--routes::after { content: ""; position: absolute; z-index: 1; inset: 0; background: linear-gradient(0deg,var(--payment-paper) 1%,transparent 34%); pointer-events: none; }
.payment-scene--routes .payment-chapter-intro { max-width: 44%; margin: 0; }
.payment-scene--routes .payment-chapter-deck { max-width: 600px; }


.payment-procedure-comparison { margin-top: 38px; }
.payment-story .payment-procedure-comparison > h3 { margin: 0 0 20px; color: #fff; font-size: var(--article-section-size); font-weight: 500; line-height: 1.5; }
.payment-procedure-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 16px; }
.payment-procedure-card { min-width: 0; padding: 24px; border: 1px solid #c8dfff24; border-radius: 16px; background: #d9e9ff09; }
.payment-procedure-card > header { display: flex; align-items: center; gap: 15px; margin-bottom: 22px; }
.payment-procedure-card > header > .lucide { flex: none; width: 34px; height: 34px; color: #deedff; stroke-width: 1.35; }
.payment-procedure-card > header span { display: block; margin-bottom: 3px; color: #b4cef0; font-size: 11px; line-height: 1.5; }
.payment-story .payment-procedure-card h4 { margin: 0; color: #fff; font-size: var(--article-subtitle-size); font-weight: 500; line-height: 1.5; }
.payment-procedure-card dl { display: grid; gap: 14px; margin: 0; }
.payment-procedure-card dl > div { display: grid; grid-template-columns: 2em minmax(0,1fr); gap: 11px; align-items: baseline; }
.payment-procedure-card dt { color: #f1f6ff; font-size: 12px; line-height: 1.8; }
.payment-procedure-card dd { margin: 0; color: #c8daf5; font-size: var(--article-body-size); line-height: 1.9; }





.payment-chapter--routes .payment-chapter-reading { padding-top: 0; }
.payment-route-explanations { display: grid; grid-template-columns: minmax(0,1fr); gap: 46px; margin-top: 44px; }
.payment-story .payment-route-explanations h3 { margin: 0 0 18px; color: #fff; font-size: var(--article-section-size); font-weight: 500; line-height: 1.45; }
.payment-story .payment-route-explanations p { max-width: 640px; margin: 0; color: var(--payment-copy); font-size: var(--article-body-size); line-height: 1.9; }
.payment-story .payment-route-explanations p + p { margin-top: 18px; }
.payment-chapter--routes .payment-source-notes a { color: #d9eafa; }

.payment-chapter--cost { --payment-paper: #285cc0; --payment-title: #fff; --payment-copy: #c9dcff; --payment-note: #b5d0fc; --article-emphasis: #fff; }
.payment-scene--cost { padding-bottom: 36px; }
.payment-interest { display: grid; grid-template-columns: minmax(0,2fr) minmax(0,1fr); align-items: end; column-gap: 28px; row-gap: 20px; max-width: 750px; margin: 32px 0 0; padding: 0; }
.payment-interest-context { grid-column: 1 / -1; color: #b9cfe8; font-size: 13px; line-height: 1.8; }
.payment-interest-amount > span { display: block; margin-bottom: 10px; color: #cfdef0; font-size: 14px; line-height: 1.7; }
.payment-interest-amount > strong { display: flex; align-items: baseline; gap: 8px; color: #f4f8ff; font-size: clamp(44px,5vw,64px); font-weight: 400; line-height: 1.15; letter-spacing: -.045em; font-variant-numeric: tabular-nums; }
.payment-interest-amount small { color: #ccddf1; font-size: 16px; letter-spacing: 0; white-space: nowrap; }
.payment-interest-accrued > strong, .payment-interest-accrued > span { color: #aee8f1; }
.payment-interest-bar { grid-column: 1 / -1; display: grid; grid-template-columns: 2fr 1fr; height: 20px; gap: 3px; }
.payment-interest-bar span:first-child { border-radius: 5px 0 0 5px; background: linear-gradient(180deg,#dcecff,#a9c9ed); }
.payment-interest-bar span:last-child { border-radius: 0 5px 5px 0; background: linear-gradient(180deg,#c2f0f4,#83c3d5); }
.payment-story .payment-interest .payment-interest-takeaway { grid-column: 1 / -1; color: #d9e7f7; margin: -3px 0 0; font-size: var(--article-body-size); line-height: 1.9; }
.payment-interest figcaption { grid-column: 1 / -1; max-width: 710px; color: #aabfd8; font-size: 11px; line-height: 1.85; }
.payment-chapter--cost .payment-source-notes a { color: #e0efff; }
.payment-scene--accounts .payment-chapter-intro, .payment-scene--evidence .payment-chapter-intro, .payment-scene--cost .payment-chapter-intro, .payment-scene--appraisal .payment-chapter-intro { max-width: 720px; margin-inline: auto; }
.payment-scene .payment-comparison, .payment-scene .payment-evidence-content, .payment-scene .payment-interest { max-width: 720px; margin-inline: auto; }

.payment-chapter--appraisal { --payment-paper: #e3efff; }
.payment-scene--appraisal { min-height: 550px; padding-top: 52px; padding-bottom: 30px; }
.payment-scene--appraisal::before { content: ""; position: absolute; z-index: 1; inset: 0; background: linear-gradient(90deg,#e3efffa6,transparent 68%); pointer-events: none; }
.payment-scene--appraisal::after { content: ""; position: absolute; z-index: 0; inset: 0; background: linear-gradient(0deg,var(--payment-paper),transparent 25%); pointer-events: none; }
.payment-scene--appraisal .payment-chapter-intro { max-width: 430px; margin-inline: 0; }
.payment-scene--appraisal .payment-chapter-deck { max-width: 340px; }
.payment-scene--appraisal .payment-fee-range { max-width: 360px; }
.payment-scene--appraisal .payment-fee-layer strong { font-size: 46px; color: #345c8d; }
.payment-fee-range { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: 20px 28px; max-width: 430px; margin: 32px 0 0; }
.payment-fee-eyebrow { grid-column: 1 / -1; color: #7c93b1; font-size: 11px; letter-spacing: .05em; }
.payment-fee-layer { padding: 0; border: 0; background: none; }
.payment-fee-layer small { display: block; color: #7490b0; font-size: 12px; line-height: 1.6; margin-bottom: 10px; }
.payment-story .payment-fee-layer strong { display: block; color: #4070ac; font-size: 54px; font-weight: 400; line-height: 1.2; letter-spacing: -.035em; }
.payment-story .payment-fee-caption { grid-column: 1 / -1; margin: 0; color: #879bb4; font-size: 11px; line-height: 1.8; }

/* Both redesigned articles close with the same reading rhythm as the original articles. */
.expertise-story-ending { padding: 48px var(--feature-pad) 64px; background: var(--feature-paper); }
.expertise-dialog .expertise-story-ending .opening-feature-quote { margin: 0; padding: 29px 32px; border-radius: 19px; background: color-mix(in srgb,var(--feature-accent) 9%,#fff); }
.expertise-dialog .expertise-story-ending .opening-feature-quote p { max-width: 600px; margin: 0; color: #304a68; font-size: var(--article-quote-size); line-height: 1.75; letter-spacing: -.035em; }
.expertise-story-prepare { margin-top: 42px; }
.expertise-dialog .opening-feature-content .expertise-story-prepare h3 { margin: 0 0 18px; padding: 0; border: 0; color: #25384e; font-size: var(--article-section-size); font-weight: 500; line-height: 1.5; }
.expertise-dialog .expertise-story-prepare p { max-width: 640px; margin: 0; color: var(--article-copy); font-size: var(--article-body-size); line-height: 1.9; }
.expertise-dialog .expertise-story-ending .opening-feature-link { max-width: 100%; margin-top: 38px; font-size: 14px; }
@media (max-width: 760px) {
  .expertise-story-ending { padding: 34px 26px 42px; }
  .expertise-dialog .expertise-story-ending .opening-feature-quote { padding: 23px; }
  .expertise-story-prepare { margin-top: 34px; }
}

@media (min-width: 761px) and (max-width: 1000px) {
  .payment-scene { padding-left: 48px; padding-right: 48px; }
  .payment-chapter-reading { padding-left: 48px; padding-right: 48px; }


}
@media (min-width: 761px) and (max-width: 899px) {
  .payment-scene--problems { min-height: 360px; }
  .payment-scene--problems .payment-scene-background { width: 64%; opacity: .9; }
  .payment-scene--problems::after { background: linear-gradient(90deg,#cfe4faee 0%,#cfe4facc 43%,#cfe4fa00 65%); }
}
@media (max-width: 760px) {
  .payment-story-dialog { width: calc(100vw - 24px); }
  .payment-opening-heading { max-width: 100%; margin-bottom: 0; padding-right: 12px; }
  .payment-scene { padding: 43px 26px 30px; }
  .payment-chapter-number { margin-bottom: 14px; font-size: 10px; }
  .payment-story .payment-chapter-deck { margin-top: 17px; font-size: 15px; line-height: 1.9; }
  .payment-chapter-reading { padding: 0 26px 47px; }
  .payment-story .payment-reading-lead, .payment-story .payment-chapter-copy > p { font-size: var(--article-body-size); line-height: 1.9; }
  .payment-chapter-copy { margin-top: 21px; }
  .payment-source-notes { margin-top: 24px; }
  .payment-story .payment-source-notes p { font-size: 12px; }
  .payment-scene--problems { min-height: 450px; padding-bottom: 230px; }
  .payment-scene--problems .payment-scene-background { top: auto; bottom: 0; width: 100%; height: 260px; object-fit: cover; object-position: right bottom; mask-image: linear-gradient(180deg,transparent,#000 22%); }
  .payment-scene--problems::after { content: none; }
  .payment-editorial-photo { padding: 0; }
  .payment-editorial-photo img, .payment-editorial-photo--discussion img { height: auto; aspect-ratio: 3 / 2; }
  .payment-editorial-photo--site { padding: 0; }
  .payment-editorial-photo--site img { height: 230px; aspect-ratio: auto; }
  .payment-editorial-photo--site figcaption { padding: 12px 26px 19px; }
  .payment-scene--accounts { min-height: 0; padding-bottom: 31px; }
  .payment-comparison { column-gap: 23px; row-gap: 20px; margin-top: 27px; }
  .payment-comparison-label { font-size: 10px; }
  .payment-form-stack { height: 176px; margin: 17px 0 12px; }
  .payment-estimate-form { width: 94%; height: 119px; left: 0; top: 0; padding: 11px 8px; }
  .payment-estimate-form:nth-child(2) { top: 16px; left: 7%; }
  .payment-estimate-form:nth-child(3) { top: 32px; left: 0; }
  .payment-estimate-form strong { font-size: 7px; margin-bottom: 8px; }
  .payment-estimate-form > span { font-size: 6px; gap: 3px; margin-bottom: 5px; }
  .payment-estimate-form > i { height: 12px; }
  .payment-estimate-form svg { inset: 28px 5px 5px; width: calc(100% - 10px); height: calc(100% - 33px); }
  .payment-settlement-sheet { margin: 14px 0 14px; padding: 13px 9px; }
  .payment-settlement-sheet > strong { font-size: 11px; padding-bottom: 9px; }
  .payment-settlement-sheet > span, .payment-settlement-sheet > b { font-size: 9px; padding-block: 7px; }
  .payment-settlement-sheet small { font-size: 8px; margin-top: 3px; }
  .payment-settlement-sheet > b { margin-inline: -4px; padding-inline: 4px; }
  .payment-comparison figcaption { font-size: 9px; }
  .payment-evidence-content { margin-top: 27px; }
  .payment-evidence-label { font-size: 11px; }
  .payment-evidence-content table { font-size: 12px; }
  .payment-evidence-content th, .payment-evidence-content td { padding: 12px 6px; }
  .payment-evidence-content thead th { font-size: 11px; }
  .payment-evidence-content th:first-child { width: 28%; }
  .payment-scene--routes { min-height: 570px; padding-top: 43px; padding-bottom: 30px; }
  .payment-scene--routes .payment-chapter-intro { max-width: 100%; }
  .payment-scene--routes .payment-scene-background { top: auto; height: 355px; object-position: right bottom; mask-image: linear-gradient(180deg,transparent,#000 30%); }




  .payment-procedure-comparison { margin-top: 30px; }
  .payment-procedure-grid { grid-template-columns: 1fr; gap: 14px; }
  .payment-procedure-card { padding: 22px; }
  .payment-route-explanations { grid-template-columns: 1fr; gap: 38px; margin-top: 36px; }
  .payment-scene--cost { min-height: 0; padding-bottom: 32px; }
  .payment-interest { grid-template-columns: minmax(0,1fr) minmax(0,1fr); column-gap: 20px; row-gap: 18px; margin-top: 28px; }
  .payment-interest-context { font-size: 12px; }
  .payment-interest-amount > span { font-size: 12px; margin-bottom: 8px; }
  .payment-interest-amount > strong { font-size: clamp(32px,8vw,46px); gap: 5px; }
  .payment-interest-amount small { font-size: 12px; }
  .payment-interest-bar { height: 16px; }
  .payment-interest figcaption { font-size: 10px; }
  .payment-scene--appraisal { min-height: 670px; padding-bottom: 285px; }
  .payment-scene--appraisal .payment-scene-background { top: auto; height: 365px; object-position: right bottom; mask-image: linear-gradient(180deg,transparent,#000 28%); }
  .payment-fee-range { column-gap: 24px; row-gap: 18px; margin-top: 28px; }
  .payment-fee-eyebrow { font-size: 10px; }
  .payment-fee-layer small { font-size: 11px; }
  .payment-story .payment-fee-layer strong { font-size: 39px; }
  .payment-scene--appraisal::before { content: none; }
  .payment-story .payment-fee-caption { font-size: 10px; }
}
@media (min-width: 500px) and (max-width: 760px) {
  .payment-scene--problems { padding-bottom: 280px; }

  .payment-comparison { max-width: 610px; column-gap: 40px; }
  .payment-form-stack { max-width: 235px; }
}
@media (max-width: 360px) {
  .payment-comparison { column-gap: 18px; }
  .payment-interest { column-gap: 18px; }
  .payment-interest-amount > strong { font-size: 30px; }
  .payment-story .payment-fee-layer strong { font-size: 35px; }
}
@media (max-width: 499px) {
  .payment-comparison { grid-template-columns: minmax(0,1fr); row-gap: 26px; }
  .payment-comparison-before { display: grid; grid-template-columns: 130px minmax(0,1fr); gap: 14px 18px; align-items: center; }
  .payment-comparison-label { grid-column: 1 / -1; font-size: 12px; }
  .payment-form-stack { height: 160px; margin: 0; }
  .payment-settlement-sheet { margin-top: 14px; padding: 19px 20px; }
  .payment-settlement-sheet > strong { font-size: 16px; }
  .payment-settlement-sheet > span, .payment-settlement-sheet > b { font-size: 13px; padding-block: 10px; }
  .payment-settlement-sheet small { font-size: 11px; line-height: 1.7; }
  .payment-comparison figcaption { font-size: 11px; }
}

@media (min-width: 761px) and (max-width: 1179px) {
  .expertise-gallery { --expertise-gap: 24px; }
  .expertise-panel { padding: 22px; }
  .expertise-card-heading h3 { font-size: 21px; }
  .expertise-card-copy > p { font-size: 13px; }
  .expertise-contract-lead { font-size: 22px; }
  .expertise-contract-rules { left: 50%; }
}
@media (max-width: 760px) {
  .expertise-dialog { --article-title-size: 27px; --article-section-size: 24px; --article-subtitle-size: 21px; }
  .expertise-gallery { --expertise-gap: 16px; scroll-margin-top: 88px; }
  .expertise-gallery .expertise-layout { padding-top: 64px; padding-bottom: 64px; }
  .expertise-gallery-heading { display: block; margin-bottom: 34px; }
  .expertise-gallery-heading > p { margin-top: 20px; font-size: 14px; }
  .expertise-grid { grid-template-columns: repeat(2,minmax(0,1fr)); grid-auto-rows: 250px; }
  .expertise-card { scroll-margin-top: 98px; }
  .expertise-panel { padding: 16px 14px; border-radius: 17px; }
  .expertise-card-heading h3 { font-size: 17px; line-height: 1.5; }
  .expertise-card-copy { margin-top: 8px; }
  .expertise-card-copy > p { font-size: 12px; line-height: 1.7; }
  .expertise-more { right: 12px; bottom: 12px; width: 28px; height: 28px; padding: 0; }
  
  .expertise-more .lucide { width: 16px; height: 16px; }
  .expertise-card--payment .expertise-illustration { width: 80%; height: 40%; right: 10%; bottom: 30px; }
  .expertise-card--schedule .expertise-illustration { width: 80%; height: 43%; right: -8%; bottom: 31px; }
  .expertise-abstract-field { inset: 47% 0 0; }
  .expertise-magnifier { top: 78px; width: 90%; max-width: 172px; }
  .expertise-magnifier-lens h3 { font-size: 16px; }
  .expertise-card--design .expertise-illustration { width: 88%; height: auto; bottom: 0; left: -14px; }
  .expertise-card--design .expertise-card-heading { max-width: 100%; }
  .expertise-card--design .expertise-card-copy { max-width: 100%; }
  .expertise-card--contract .expertise-card-copy { margin-top: 12px; }
  .expertise-contract-lead { font-size: 18px; margin-bottom: 10px; }
  .expertise-contract-rules { left: 40%; bottom: 32px; }
  .expertise-pen { width: 83px; bottom: 28px; right: -16px; }
  .expertise-contract-rules svg { width: 70px; height: 25px; }
  .expertise-person-avatar { width: 25px; height: 25px; margin-bottom: 10px; }
  .expertise-person-avatar::before { width: 8px; height: 8px; left: 9px; top: 4px; }
  .expertise-person-avatar::after { width: 19px; height: 15px; left: 3px; top: 14px; }
  .expertise-card--responsibility .expertise-illustration { width: 80%; height: 36%; right: -18%; bottom: 0; }
  .expertise-card--bidding .expertise-illustration { width: 84%; height: 40%; right: -2%; bottom: 31px; }
  .expertise-card--disputes .expertise-panel { padding-bottom: 48px; }
  .expertise-card--disputes .expertise-illustration { width: 70%; height: 35%; right: 15%; top: 8px; }
  .expertise-dialog .opening-feature-content { padding-top: 68px; }
  .expertise-dialog .opening-feature-content h2 { font-size: var(--article-title-size); line-height: 1.45; }
}
@media (max-width: 360px) {
  .expertise-gallery { --expertise-gap: 16px; }
  .expertise-grid { grid-auto-rows: 250px; }
  .expertise-card-heading h3 { font-size: 16px; }
  .expertise-contract-lead { font-size: 16px; }
  .expertise-pen { width: 74px; right: -20px; }
}
/* Match the team cards: lift the surface, then let its artwork follow softly.
   Individual transform properties preserve each illustration's original rotation. */
@media (prefers-reduced-motion: no-preference) {
  .expertise-panel { transition: transform .4s ease,box-shadow .4s ease; }
  .expertise-illustration, .expertise-abstract-field, .expertise-contract-rules, .expertise-pen { transition: translate .5s ease,scale .5s ease; }
  .expertise-card:has(.expertise-card-trigger:focus-visible) .expertise-panel { transform: translateY(-5px); box-shadow: 0 20px 38px #233f6712; }
  .expertise-card:has(.expertise-card-trigger:focus-visible) :is(.expertise-illustration,.expertise-abstract-field,.expertise-contract-rules,.expertise-pen) { translate: 0 -3px; scale: 1.035; }
}
@media (hover: hover) and (pointer: fine) and (prefers-reduced-motion: no-preference) {
  .expertise-card:hover .expertise-panel { transform: translateY(-5px); box-shadow: 0 20px 38px #233f6712; }
  .expertise-card:hover :is(.expertise-illustration,.expertise-abstract-field,.expertise-contract-rules,.expertise-pen) { translate: 0 -3px; scale: 1.035; }
}
@media (prefers-reduced-motion: reduce) { .expertise-more { transition: none; } }

/* Article enquiries share the homepage's primary action. */
.expertise-dialog .opening-feature-content .opening-feature-link { min-height: 44px; padding: 12px 22px; border: 1px solid var(--blue); background: var(--blue); color: #fff; font-weight: 500; box-shadow: 0 6px 18px #1760ef12; }
.expertise-dialog .opening-feature-content .opening-feature-link:hover { background: #0a4dd1; border-color: #0a4dd1; }
.expertise-dialog .opening-feature-content .opening-feature-link:focus-visible { outline: 3px solid #70a1ff; outline-offset: 4px; }
@media (prefers-reduced-motion: no-preference) { .expertise-dialog .opening-feature-link { transition: background .2s ease,border-color .2s ease; } }

/* Compact repair sequence in the legal requirements chapter. */
.payment-repair-flow { display: grid; grid-template-columns: minmax(0,1fr) 18px minmax(0,1fr) 18px minmax(0,1fr); align-items: center; gap: 12px; margin: 28px 0; padding: 26px 22px 20px; border-radius: 18px; background: #edf4ff; }
.payment-repair-flow > div { min-width: 0; text-align: center; }
.payment-repair-flow > div > .lucide { width: 29px; height: 29px; margin: 0 auto 13px; color: var(--blue); stroke-width: 1.5; }
.payment-story .payment-repair-flow strong { display: block; color: var(--article-ink); font-size: 16px; line-height: 1.5; font-weight: 500; }
.payment-repair-flow span { display: block; margin-top: 5px; color: #526276; font-size: 12px; line-height: 1.8; }
.payment-repair-flow > .payment-repair-arrow { width: 18px; height: 18px; color: #87a9d5; }
.payment-repair-flow figcaption { grid-column: 1 / -1; margin-top: 9px; color: #607797; font-size: 12px; line-height: 1.8; }
.payment-editorial-photo--contract img { height: 320px; object-position: center 65%; }
@media (max-width: 760px) {
 .payment-repair-flow { gap: 6px; padding: 22px 12px 18px; grid-template-columns: minmax(0,1fr) 12px minmax(0,1fr) 12px minmax(0,1fr); }
 .payment-story .payment-repair-flow strong { font-size: 14px; }
 .payment-repair-flow > .payment-repair-arrow { width: 12px; height: 12px; }
 .payment-repair-flow span { font-size: 11px; }
 .payment-editorial-photo--contract img { height: auto; aspect-ratio: 3 / 2; }
}